Podcasts about confirm

Employees and volunteers of public charities often participate in the political and democratic process in ways that connect to their organization's mission. While a 501(c)(3) cannot engage in partisan activity, individuals don't give up their First Amendment rights when they are staff, board members, or volunteers of a public charity. In our last episode, we talked about candidate appearances at charitable events. But what if the call is coming from inside the house? In this episode, we'll share some practical tips and best practices to help you engage in electoral work as an individual while keeping your organization safely within the rules to protect its tax-exempt status.   Attorneys for this episode  Victor Rivera  Quyen Tu  Sarah Efthymiou  Show notes  Basic rule: 501(c)(3) organizations are prohibited from participating in partisan political activity. This rule also applies to anyone acting on an official capacity on behalf of the c3. This means that (c)(3) leaders, staff, and volunteers may not use the facilities, equipment, personnel, or other c3 resources to provide support to or oppose a candidate or campaign. However, this prohibition does not apply to the activities of officers, directors, or employees of 501(c)(3)s who are acting in their individual capacity.  Best Practices: Election Activities of Individuals Associated with 501(c)(3)s  Know when you're on the clock. 501(c)(3) staff may work on political campaigns outside of work hours, or while using their available leave time. However, time for which a charity compensates a staff member is also the charity's resource and should not be used for supporting or opposing candidates. Even unpaid time off could be problematic if permitted to staff outside of standard personnel policy limits and preferentially allow them to volunteer on some campaigns and not others.  Don't use c3 resources for political purposes. A charity should not allow its assets or facilities to be used for individuals' personal campaign work (including obvious resources like letterhead, photocopiers, and telephones, as well as perhaps less obvious ones like distribution lists, postal mailing permits, and email accounts). And, since 501(c)(3)-sponsored events use the organization's reputation and goodwill, 501(c)(3) representatives cannot support or oppose candidates at events.  Adopt an election-season policy. 501(c)(3) organizations should make staff aware, in writing, of policies against using organizational resources for supporting or opposing candidates.  Make clear what hat you're wearing. Individuals should make it clear that they are speaking for themselves and not for the organization when participating in partisan activities off the charity's clock.  Best Practices: 501(c)(3) Employees Running for Office  In addition to supporting candidates, individuals who work for or serve as board members for 501(c)(3) organizations may wish to run for office themselves. In those situations, it is important for the 501(c)(3) associated with the candidate to avoid supporting or opposing the candidacy, as well as avoid giving the appearance of supporting or opposing the candidacy.  Avoid allowing 501(c)(3) resources to be used for campaign activities, including facilities and staff time.   If mentioning candidacy, do so for informational purposes only.  Confirm whether government grants place any restrictions on staff running for office.   If using a 501(c)(3)'s social media accounts, be careful about liking or sharing content from the candidate's account/campaign.  Resources   Rules of the Game: Guide to Election-Related Activities for 501(c)(3)s  Sample 501(c)(3) Organizational Policy for Election Season   501(c)(3) Employees Running for Office (Factsheet)  Election Activities of Individuals Associated with 501(c)(3)s   Board Members and Election Year Activities)  The Hatch Act of 1939: Frequently Asked Questions  8 Tips For Nonprofits with Employees Running for Public Office    

Join Bryan Hayes, Jeff O'Neill and Jamie McLennnan for Hour 1 on OverDrive! The guys discuss the Hurricanes' win against the Canadiens, how Carolina found success in the game, the Golden Knights looking for the sweep against the Avalanche in the Western Conference Final and Craig Stadler's golf shot on a towel on the PGA Tour. They go around the sports world in the latest edition of Confirm or Deny diving into Hurricanes and Canadiens, Gavin McKenna, the Blue Jays and David Carle.

Can you check the schedule? I just want to confirm our reservation. Make sure you bring your passport.Check, confirm, and make sure. These words seem pretty similar, right? They all involve checking information somehow. But sometimes it's easy to mix them up. Can you say, “Please confirm the weather?” Or, “I checked that my friend came to the party”? Or maybe, “Make sure the reservation”? Hmm… something sounds a little strange there. So today, we're going to look at how you can actually use check, confirm, and make sure in everyday English.The Happy English PodcastHelping people speak English better since 2014Over 1,000 episodes • 8 million downloads

AZ Community College Commencement produces the ultimate workslop, Upside Only platform promises to make you money?? Greg of Auditing account used to hack water system, why is my stream audio not syncing with my video? Gemeni AI ULA they own you, Ask AI what it knows about you; you might be surprised, AT&T suing CA to get out of Copper, Confirm your not a robot.

Tous les matins, à 7H10 et 9H45, on vous donne les bonnes nouvelles du jour.

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Tous les matins, à 7H10 et 9H45, on vous donne les bonnes nouvelles du jour.

Tras la prisión preventiva de tres sospechosos, el fiscal Gonzalo Iglesias indicó que se realizan medidas para identificar a una cuarta persona que habría estado en el domicilio al momento del hecho ocurrido en Sauce Viejo en 2025.

Once you've agreed on a time and a place...do you need to confirm the day of?

Join Bryan Hayes, Jeff O'Neill and Jamie McLennan for Hour 1 on OverDrive! They discuss the Canadiens' series win against the Sabres, advancing to the Eastern Conference Final, the matchup with the Hurricanes, the Sabres' season performance, Adam Foote's departure in Vancouver and David Carle on the Maple Leafs' radar as head coach. They go around the sports world in the latest edition of Confirm or Deny, Victor Wembanyama's incredible performance, Aaron Rai's win at the PGA Championship and Shai Gilgeous-Alexander winning the NBA MVP award.

Today we're digging into a topic you might not have considered before: the importance of clean financial data. We talk about numbers constantly—how to focus on them, why they matter, and what you should be looking at. But we haven't truly discussed why having clean information is the absolute backbone of successful decision-making in a product-based business. The Danger of Dirty Data I recently spoke with two clients who were using a financial analysis tool to guide their buying. The tool kept telling them to buy more, buy more. They followed the data, thinking they were being efficient, only to end up buried in inventory that didn't move. That wasn't a supply chain problem or a marketing problem—it was a data problem. Dirty data is dangerous because it doesn't come with a warning label; it looks like fact, but it's actually fiction dressed as finance. What Does Dirty Data Look Like? If you want to avoid making wrong decisions confidently, watch out for these five common red flags: Miscategorized Transactions: Expenses floating in no man's land or assigned to the wrong revenue streams. COGS vs. OPEX Confusion: When your inventory purchases are blurred with operating expenses, you can't see your true margin. Timing Errors: Recognizing revenue when cash hits rather than when it's earned (Cash vs. Accrual). Inventory Valuation Gaps: Your books say you have 800 units, but your warehouse only has 500. Un-netted Discounts: Refunds and chargebacks that aren't properly subtracted from your top-line revenue. The Three Cs of Clean Data To run a genius inventory system, your data must be: Consistent: Applying the same rules and categories every single month. Connected: Your POS, bank account, and accounting software should all tell the same story. Current: Books should be reconciled and in your hands by the 15th–20th of every month—not just at tax time! 8 Key Data Points You Need to Track I want you to look at your dashboard and ask: “Do I actually have this number, and can I trust it?” Gross Margin by SKU: Not just overall, but by category and brand. Inventory Valuation: Real-time wholesale and retail value. 12–13 Week Cash Flow: A forward-looking projection of your bank balance. Net Revenue: Gross sales minus returns, fees, and discounts. Customer Acquisition Cost (CAC): What it actually costs to get a buyer through the door. Inventory Turn: How fast your product is moving by department. All-in Cost Per Unit: The landed cost including shipping and handling. Contribution Margin: Revenue minus all variable costs to see what truly goes toward profit. Your 3-Step Data Audit Don't just listen—take action today with these three simple steps: Step 1: Pull your P&L and go line-by-line. Ensure every expense is correctly categorized. Step 2: Confirm your bookkeeper is reconciling accounts monthly and delivering reports on time. Step 3: Check your POS. Ensure every SKU has an accurate cost associated with it. Final Thought: Stop treating your books like a tax document and start treating them like a GPS. Clean data leads to better decisions, which leads to stronger margins, which leads to cash. Work with Me - https://www.ciarastockeland.com/work-with-meVisit the Bookstore - https://www.ciarastockeland.com/bookstoreSign Up for Free Weekly Tips and Trainings - https://www.ciarastockeland.com/subscribe More About the Episode Sponsor:T&O Strategic Advisory (http://www.tostrategicadvisory.com/) - Offering a wide range of tax and accounting services, including entity election and S-Corp advisory.

In this episode of The Sports Docs Podcast, Dr. Ashley Bassett and Dr. Catherine Logan sit down LIVE from the Arthrex Team Physician Controversies with foot and ankle expert Dr. Ned Amendola to discuss the modern management of ankle syndesmosis injuries (“high ankle sprains”) in athletes. The conversation focuses on when surgery is indicated, the evolution from rigid screw fixation to dynamic stabilization with TightRope technology, surgical pearls, and accelerated return-to-sport strategies for high-demand athletes.HighlightsWhen Does a Syndesmosis Injury Need Surgery?Most isolated, stable syndesmosis injuries can be treated nonoperativelySurgery is indicated when there is:Mortise wideningInstability on stress imagingAssociated fibula fracturesSignificant ligament disruption (AITFL, PITFL, interosseous membrane)Key principle:Instability—not just diagnosis—drives surgical decision-makingThe Shift from Screws to Dynamic FixationTraditional screw fixation challenges:Screw breakage and looseningFrequent hardware removal surgeriesRestricted physiologic motionLonger non-weight-bearing periodsAdvantages of TightRope fixation:Dynamic stabilization with physiologic micromotionLower risk of malreductionFaster rehabilitationNo routine hardware removalKey insight:Dynamic fixation respects normal syndesmotic biomechanicsTightRope Surgical TechniqueCritical first step:Anatomic reduction of the fibula in the incisuraTechnique highlights:Confirm reduction on AP, mortise, and lateral imagingDrill 2–4 cm above joint line, parallel to plafondPass TightRope across all four corticesCarefully seat medial buttonTension laterally while maintaining reductionPearls:Clamp carefully to avoid malreductionAvoid posterior fibular translationEnsure proper button seating without soft tissue interpositionOne vs Two TightRopesOne construct may suffice for:Lower-demand athletesIsolated injuries without fractureTwo constructs favored for:High-energy injuriesAthletesFibula fracturesRotational instability or Maisonneuve injuriesKey principle:Persistent rotational instability drives the need for additional fixationOutcomes with Dynamic FixationBenefits seen clinically:Lower reoperation ratesLess stiffnessFaster functional progressionEarlier return to sportAthletes tolerate early motion and rehab particularly well with dynamic fixationThe TightRope PRO SystemImprovements include:Smaller drill tunnelsLower-profile buttonsLess soft tissue irritationControlled self-tensioning handlesKey insight:Modern implant design improves precision and preserves boneRehabilitation & Return to SportIsolated injuries:Early ROM within 1–2 weeksProgressive weight-bearing by 4 weeksRunning around 8–10 weeksCutting/pivoting at 10–12 weeksElite athletes may return as early as 6–8 weeks in select casesReturn-to-play criteria:No syndesmotic tendernessSymmetric dorsiflexionNegative stress testingFunctional cutting/acceleration testingPsychological confidence in the ankleKey TakeawaysSurgical treatment is based on instability and biomechanics, not simply imaging findingsDynamic fixation with TightRope technology has transformed syndesmosis management in athletesProper reduction technique remains the most important surgical factorModern fixation allows for earlier rehabilitation and faster return to playReturn-to-sport decisions should incorporate both functional and psychological readinessFeatured GuestDr. Ned Amendola – Duke University, President of the American Academy of Orthopaedic Surgeons, Head Team Physician and Chief Medical Officer for Duke Athletics

Aujourd'hui, Flora Ghebali, entrepreneure dans la transition écologique, Jean-Loup Bonnamy, prof de philo, et Jérôme Marty, médecin généraliste, débattent de l'actualité autour d'Alain Marschall et Olivier Truchot.

Off The Ball was live on air when the news dropped that Republic of Ireland International and club legend Katie McCabe would be leaving Arsenal Football Club at the end of this season.Eoin Sheahan, Emma Carroll and Ben Symes give their thoughts on what has been a shock announcement across the Irish sporting landscapeRepublic of Ireland Football on Off The Ball is brought to you by Cadbury, proud sponsor of the Republic of Ireland football teams.

Turn Neighborhood Events Into a Lead Generation MachineWhat if the most effective prospecting tool in real estate wasn't a script, a funnel, or an ad — but a block party? In this episode, we break down how hyper-local events can become one of the most powerful and sustainable lead generation strategies for real estate agents working a geographic farm.The secret isn't just showing up with pizza and a smile. It's treating every event as a five-stage system: Plan, Invite, Confirm, Host, and Follow Up. We walk through each stage in detail — from choosing the right event concept for your neighborhood's personality, to stacking your invite channels for maximum reach, to the follow-up moves that actually convert attendees into clients.You'll hear why the follow-up phase is where the "real magic" lives, how to use raffles, giveaways, and QR codes to collect data without being salesy, and why hosting 30 of the right neighbors will always outperform a crowd of 300 strangers.This episode is for agents who want to stop feeling like outsiders in their farm and start becoming the person the neighborhood actually knows, likes, and calls when it's time to move.

Off The Ball was live on air when the news dropped that Republic of Ireland International and club legend Katie McCabe would be leaving Arsenal Football Club at the end of this season.OTB host, Eoin Sheahan was joined by former COYGIGer Emma Carroll and football reporter, Ben Symes to give their thoughts on what has been a shock announcement across the Irish sporting landscape.Kathleen, Karen and Scarlett will bring you more reaction in the next episode of The COYGIG Pod.Republic of Ireland Football on Off The Ball is brought to you by Cadbury, proud sponsor of the Republic of Ireland football teams.

Sign up for PrizePicks with code: HMA and get $50 in lineups instantly when you play your first $5+ lineup! https://link.prizepicks.com/LME0/POWERHOUR #sponsoredLSU Tigers Football & Lane Kiffin fans should join! - https://www.patreon.com/lsufootball Subscribe to Power Hour LSU! https://www.youtube.com/channel/UCz4trs8T2Bk9mSpcAakL3kw?sub_confirmation=1 Check out Power Hour SEC - https://www.youtube.com/@powerhoursec My New Orleans Saints show - https://bleav.com/shows/bleav-in-saints/ NEW “Thick Ness” SHIRT! - https://www.bonfire.com/34thick-ness34-t/ ________________________________________ PHL on Twitter: https://twitter.com/PowerHourLSU PHL on Instagram: https://www.instagram.com/powerhourlsu/ PHL on TikTok: https://www.tiktok.com/@powerhourlsu

Join Bryan Hayes, Jeff O'Neill and Jamie McLennan for Hour 2 on OverDrive! TSN Hockey Analyst Mike Johnson joins to discuss Auston Matthews' future with the Maple Leafs, Gavin McKenna's impact and Sidney Crosby joining Canada at the IIHF World Championship. They go around the sports world in the latest edition of Confirm or Deny and Bryan hands out his FanDuel Best Bets.

The Rolling Stones confirm the artwork & artist guest list of their 25th studio album titled ‘Foreign Tongues' after revealing a social media puzzle with their fans, Ozzy Osbourne had a secret cologne he used for 30 years and now it's getting a limited edition release that benefits his Parkinson's charity, Dave Grohl reveals he changed the name of the latest Foo Fighters album after the initial title was too similar to the blockbuster musical ‘Wicked: For Good' that was released last November, and some good news as lots of rare stolen instruments found their ways back home this week as Richie Sambora was finally reunited with his stolen 1976 Gibson Explorer after 41 years, and Korn's Ra Diaz recovered all 15 different custom basses that were stolen from him right before Korn's upcoming South American tour & more… PLUS ‘This Week in Rock & Roll History Trivia', Rock Birthdays, ‘The Best & Worst Rock Album Artwork of the Week' & much more!All of our links are up at www.rocknewsweekly.com every Monday, where you can check out the full episode on 8 different platforms (including Amazon Audible & Apple/Google Podcasts)Watch us LIVE, chat with us & more…Every Sunday around 2pm PST @ https://www.twitch.tv/rocknewsweeklyWatch all of our videos, interviews & subscribe at Youtube.com/@rocknewsweeklyFollow us online:Instagram.com/rocknewsweeklyFacebook.com/rocknewsweeklyTwitter.com/rocknewsweeklyTikTok.com/@rocknewsweekly#ForeignTongues #No88 #YourFavoriteToy #RichieSambora #RaDiaz#Rock #News #RockNews #RockNewsWeekly #RockNewsWeeklyPodcast #Podcast #Podcasts #Metal #HeavyMetal #Alt #Alternative #ClassicRock #70s #80s #90s #Indie #Trivia #RockTrivia #RockBirthdays #NewMusic #NewMusicReleases

In The Baron 52 Enigma Part 3, we uncover the most powerful evidence yet in the decades-long search for the four missing back-end crew members of Baron 52.Building on Parts 1 and 2 — where we examined the survivable crash and the NSA intercepts that reported four “pirates” captured by Group 210 — this episode introduces two explosive primary Vietnamese sources:Two independent memoirs written by veterans of Division 471 Trường Sơn, the exact PAVN command responsible for the Baron 52 crash corridor in southern Laos during the 1972–73 dry season.Hoàng Sĩ Khiêm (Signals Battalion 446) and Nguyen Hoang (CCB471) both describe Binh Tram 35 as the main logistics hub on Route 128, the division command post at Phù Trường–Keng Nhang, Commander Nguyễn Lạn, and the massive reinforcement of anti-aircraft units — including the 210th AAA Regiment.Most remarkably, Hoàng Sĩ Khiêm details the central “Tổng đài Chín ngàn / 9000” switchboard — operated 24/7 by 12 named female soldiers — the exact communications node through which any shootdown report or prisoner transfer order on February 5, 1973 would have passed.We also examine the official 1999 Vietnamese military schematic that visually confirms the “9000” node right where the memoirs place it.These firsthand Vietnamese accounts directly answer the geographic and unit-attribution objections long used by the DPAA — even the February 2026 DPAA letter to Senator Barrasso does not address them.For the first time, we are hearing directly from the other side's own people, in their own words, confirming the precise location, units, and chain of command involved in the Baron 52 incident.If you care about the fullest possible accounting for America's missing from Vietnam, this episode is essential listening.#Baron52 #POWMIA #VietnamWar #MissingInAction #HoChiMinhTrail #EC47 #SIGINT

The Ultimate Guide for Americans Moving to Spain: Visas, Taxes, and Cross-Border Financial Planning By AIO Financial — Fee-Only Fiduciary Financial Planners Spain has quietly become one of the most popular destinations for Americans relocating abroad. The lifestyle is compelling — long lunches, walkable cities, world-class healthcare, sunshine, and a cost of living that, in many regions, runs 20–30% below comparable U.S. cities. But behind that lifestyle is a tax and regulatory system that can blindside Americans who move without proper planning. We work with U.S. expats every week at AIO Financial, and the same patterns keep showing up. People sell investments at exactly the wrong moment. They convert Roth IRAs and trigger Spanish tax bills they didn’t know existed. They open European brokerage accounts and accidentally buy PFICs. They miss the six-month window for the Beckham Law and lose six figures of potential tax savings. None of this is necessary. Almost every cross-border financial mistake we see is preventable with planning that starts twelve to eighteen months before the move — not after the boxes are unpacked in Valencia. This guide walks through what we believe every American family should understand before moving to Spain: the visa landscape after the Golden Visa was eliminated, how Spain actually taxes Americans (including the surprising treatment of Roth IRAs), what to do with your investments before you become a Spanish tax resident, and how to think about banking, currency, and cash transfers across borders. None of this is legal or tax advice for your specific situation, but it should give you a real working framework before you sit down with a cross-border specialist. Why Americans Are Moving to Spain Right Now The reasons people give us are remarkably consistent. They want better work-life balance. They want their kids to grow up bilingual. They’ve watched U.S. healthcare costs spiral and want a system that just works. They’re approaching retirement and the math on living in coastal Spain versus coastal Florida is hard to argue with. A few are motivated by political concerns; many simply want to live somewhere that feels less hurried. What makes Spain particularly attractive compared to other European destinations is the combination of a well-functioning Digital Nomad Visa, a meaningful (if imperfect) tax treaty with the United States, and a cost-of-living advantage that still holds up despite recent inflation. A single person can live comfortably in mid-sized Spanish cities like Valencia, Granada, or Málaga on roughly €1,600–€1,900 per month. Madrid and Barcelona cost more, but still less than San Francisco, Boston, or Seattle. The catch — and this is the part most relocation guides skip — is that Spain has a wealth tax, taxes worldwide income for residents, does not respect the U.S. tax-free status of Roth IRAs, and uses a fiscal-year structure that can leave new arrivals exposed to a full calendar year of Spanish taxation if they cross the 183-day threshold without realizing it. Done well, moving to Spain can be one of the best financial and lifestyle decisions a family makes. Done poorly, it can be a multi-year tax mess. Visa Pathways: What’s Available in 2026 Before any tax planning matters, you need legal residency. Spain offers several pathways for non-EU citizens, and the right one depends on whether you’re working, retired, or have substantial passive income. The Digital Nomad Visa (DNV) The Digital Nomad Visa, introduced under Spain’s 2023 Startup Act, has become the most popular route for working-age Americans. It allows non-EU remote workers — both employees of foreign companies and self-employed freelancers — to live legally in Spain while working for non-Spanish employers or clients. As of 2026, the income threshold is set at 200% of Spain’s Minimum Interprofessional Salary, which works out to approximately €2,850 per month, or roughly €34,200 per year. Most Spanish consulates recommend showing at least €3,000 monthly to account for currency fluctuations. If you’re applying with family, the income requirement increases. You’ll need to demonstrate an additional 75% of the SMI (about €1,035 per month) for your first dependent — typically a spouse — and 25% for each additional family member. A family of four moving together generally needs to show somewhere around €4,400 per month in qualifying income. The DNV initially issues a residence authorization valid for up to three years if applied for from within Spain, or a one-year visa if applied for through a Spanish consulate abroad. It can be renewed for additional periods, allowing total stays of up to five years, after which permanent residency becomes available. Citizenship is generally available after ten years of legal residency for U.S. nationals (two years for citizens of Latin American countries, the Philippines, Andorra, and a handful of others). Other key requirements include having worked with your current employer or clients for at least three months before applying, holding either a relevant university degree or three years of professional experience in your field, working for a company that has been in operation for at least one year, and earning no more than 20% of your income from Spanish sources. The application process typically takes four to five months. One important wrinkle for Americans: the U.S.–Spain Totalization Agreement does not currently cover remote work in the way that some other bilateral agreements do, so the U.S. Social Security Administration rarely issues Certificates of Coverage for DNV applicants. Most U.S. W-2 employees need to either get their employer to set up a Spanish “shadow payroll” arrangement, switch to 1099 contractor status and register as an autónomo (self-employed) in Spain, or accept that they’ll be paying into the Spanish social security system. This is a frequent friction point and is best resolved before the move, not after. The Non-Lucrative Visa (NLV) The Non-Lucrative Visa is the traditional retiree route — and increasingly used by Americans of any age with sufficient passive income. It explicitly does not permit working in Spain or remotely for any employer, which is its main limitation. As of 2026, applicants need to show approximately €2,400 per month (around €28,800 per year) in passive income or savings, with additional financial requirements for dependents. For genuinely retired Americans drawing Social Security, pension income, or living off investment portfolios, this is often the cleanest path. It comes with one substantial caveat that we’ll return to in the tax section: NLV holders are not eligible for the Beckham Law, so they pay full progressive Spanish tax rates on worldwide income from day one. The Golden Visa Is Gone If you’ve been planning around Spain’s Golden Visa — the residency-by-investment program that previously offered residency in exchange for a €500,000 real estate investment — that program ended in April 2025 as part of housing market reforms. New applications are no longer accepted. Existing Golden Visa holders retain their residency, but anyone considering this route now needs to look at alternative visas, or alternative countries (Portugal and Greece still operate similar programs, though Portugal’s no longer accepts real estate). The Highly Qualified Professional Visa For Americans being recruited by Spanish companies for skilled positions, the Highly Qualified Professional (HQP) Visa provides a path tied to a specific job offer. It’s typically valid for two years and renewable, and it qualifies the holder for the Beckham Law tax regime. This is less common for traditional relocation but matters for executives and engineers being hired into Spanish operations. Choosing Among Them In practice, most Americans we work with end up on either the DNV (if working remotely) or the NLV (if retired or financially independent). The choice has significant tax implications down the line, particularly around eligibility for the Beckham Law, which we’ll cover next. The Spanish Tax System: What Americans Actually Pay This is where most pre-move planning gets serious. Spain taxes its tax residents on worldwide income — meaning your U.S. dividends, your rental income from a property in Texas, your capital gains from selling Apple stock, all of it can be subject to Spanish tax. The U.S.–Spain tax treaty and the Foreign Tax Credit prevent most cases of literal double taxation, but the interaction between the two systems creates real planning challenges. When You Become a Tax Resident Spain considers you a tax resident if any one of three things is true: you spend more than 183 days in Spain during a calendar year, your “center of economic interests” is in Spain (meaning your primary income or main assets are there), or your spouse and minor children habitually live in Spain (a rebuttable presumption). The 183-day rule is the most common trigger, and importantly, sporadic absences count toward the total unless you can prove tax residency in another country. This matters because Spanish tax residency is binary and applies to the full calendar year. If you arrive in Spain on July 1 and stay through year-end, you’ve spent 184 days there and you’re a tax resident for the entire year — including January through June, when you were still living in the U.S. Smart timing of the move can save substantial tax. We often recommend arriving after July 2 in a given year, which keeps you under the 183-day threshold for that year and pushes Spanish tax residency to year two. Income Tax Brackets Spanish income tax (IRPF) is progressive and combines a national portion with a regional portion that varies by autonomous community. For 2026, the combined general rates run roughly: Up to €12,450: about 19% €12,451 to €20,200: about 24% €20,201 to €35,200: about 30% €35,201 to €60,000: about 37% €60,001 to €300,000: about 45% Over €300,000: about 47% Investment income — dividends, interest, capital gains, and rental income from investments — is taxed on a separate “savings” schedule: Up to €6,000: 19% €6,001 to €50,000: 21% €50,001 to €200,000: 23% €200,001 to €300,000: 27% Over €300,000: 30% For most American expats earning between €40,000 and €80,000 per year, the effective Spanish tax rate is about 25–33%, which is comparable to or slightly lower than combined U.S. federal and state taxes for the same income. The pain points aren’t usually the standard rates — they’re the wealth tax, the lack of Roth recognition, and Modelo 720 reporting. The Beckham Law: A Major Opportunity Spain’s “Beckham Law” — named for the soccer player who was its early high-profile beneficiary — allows qualifying newcomers to be taxed as non-residents for up to six years, despite physically living in Spain. Under this regime, you pay a flat 24% on Spanish-source employment income up to €600,000 per year (47% on amounts above that), and your foreign income is generally exempt from Spanish taxation. For an American earning €100,000 per year on a Digital Nomad Visa with an employment contract, the Beckham Law saves roughly €10,000 annually compared to standard progressive rates — and the savings grow rapidly at higher income levels. For someone earning €250,000, the savings can exceed €40,000 per year. The Beckham Law has strict requirements. You generally must not have been a Spanish tax resident in the previous five years, you must move to Spain because of an employment contract or to take on a directorship, and — critically — you must elect into the regime within six months of registering with Spanish Social Security. Miss that six-month window and you cannot opt in later. We’ve seen this mistake destroy tens of thousands of euros of potential tax savings. The regime is available to W-2 employees and DNV holders with employment contracts. It is not available to self-employed autónomos in most circumstances, nor to Non-Lucrative Visa holders. This is why your visa choice has such significant tax implications. The Wealth Tax This is the tax that most surprises Americans. Spain’s wealth tax (Impuesto sobre el Patrimonio) is an annual levy on net worth as of December 31 each year. Spanish tax residents pay on their worldwide assets; non-residents only pay on Spanish-located assets. The structure includes a national tax-free allowance of €700,000 per person (which means €1.4 million for a married couple holding assets jointly), plus an additional €300,000 exemption for your primary residence in Spain. Above those thresholds, rates run progressively from 0.2% to 3.5%, depending on total assets and the autonomous community where you reside. Regional variation matters enormously here. Madrid and Andalucía effectively eliminate the wealth tax through 100% regional bonifications, though the national-level Solidarity Tax on Large Fortunes still applies above €3 million in those regions. Catalonia, by contrast, applies the tax in full. If wealth tax exposure is a serious concern for your situation, the autonomous community you choose to live in becomes a meaningful planning variable. There’s also a Solidarity Tax on Large Fortunes, introduced in 2023, that applies to net wealth above €3 million and adds an additional 1.7% to 3.5% on assets above that threshold. It coordinates with regional wealth tax relief to provide a national floor, so even residents of Madrid pay it on assets above €3 million. Roth IRAs in Spain: A Critical Issue Here is one of the most important things for Americans to understand before moving: Spain does not respect the tax-free status of Roth IRAs. Under U.S. law, qualified Roth IRA distributions are entirely tax-free, since contributions were made with after-tax dollars. Spain doesn’t see it that way. The Spanish tax authority (Hacienda) classifies Roth IRA distributions as investment income — specifically, as income from movable capital — and taxes them at savings rates. The taxable portion is generally the gain (the increase in value over your contributions), not the entire distribution, but this still represents a substantial loss of the Roth’s core benefit. A 2022 binding consultation (V1291-22) clarified this treatment, and the same ruling generally requires Roth IRAs to be reported on Modelo 720 and included in wealth tax calculations. The strategic implications are significant. If you have a large Roth IRA and you’re moving to Spain, you may want to consider taking distributions before establishing Spanish tax residency, while distributions are still tax-free in both countries. After becoming a tax resident, every Roth IRA distribution will likely face Spanish tax on the embedded gains. The same applies to any Roth conversions you might be considering — generally you want these completed before the move, not after. Traditional 401(k) and IRA distributions are treated more conventionally as pension or general income in Spain, and they’re taxable in both countries with foreign tax credits relieving most of the double taxation. The U.S.–Spain treaty was updated by a protocol that entered into force in November 2019, and it improves the treatment of cross-border pensions in several ways, though it does not solve the Roth issue. Capital Gains and Investment Income For Spanish tax residents, capital gains on the sale of most U.S. securities (like stocks held in a brokerage account) are taxable in Spain at savings rates of 19% to 30%. Under the U.S.–Spain treaty, gains on the sale of shares are generally taxed only in the country of residence, with limited exceptions for real estate and substantial shareholdings, so the planning here is relatively clean: if you sell while a U.S. resident, you owe U.S. tax; if you sell while a Spanish resident, you owe Spanish tax. This creates a major pre-move planning opportunity. If you have substantial unrealized gains in your taxable investment accounts, the year before your move is a powerful window. You can harvest gains at U.S. long-term capital gains rates — which top out at 23.8% including the Net Investment Income Tax — rather than at Spanish savings tax rates that run as high as 30% above €300,000 in gains. For a portfolio with $500,000 in unrealized long-term gains, the difference can be tens of thousands of dollars. This is one of the most common planning moves we recommend for clients moving to Spain with appreciated portfolios. The strategy isn’t always to harvest. If you’re moving to a non-Beckham regime and your overall income will push you into Spain’s higher capital gains brackets later, harvesting now may be valuable. If you have low income in Spain and modest gains, the Spanish tax may actually be lower than your U.S. rate. The right answer depends on your specific numbers — which is exactly the kind of cross-border modeling a fee-only planner is well-positioned to do without bias. The Foreign Earned Income Exclusion and Foreign Tax Credit U.S. citizens are taxed on worldwide income regardless of where they live, so you’ll continue filing U.S. returns from Spain. Two main mechanisms prevent literal double taxation. The Foreign Earned Income Exclusion (FEIE), claimed on Form 2555, allows you to exclude up to $130,000 of foreign earned income from U.S. taxation for the 2025 tax year (the limit adjusts for inflation each year). Qualifying requires either the bona fide residence test or the physical presence test (330 full days outside the U.S. in any 12-month period). Importantly, the FEIE only covers earned income — wages and self-employment income — not investment income. The Foreign Tax Credit (FTC), claimed on Form 1116, gives you a dollar-for-dollar credit against U.S. taxes for income taxes paid to Spain. Because Spanish rates often exceed U.S. rates at higher income levels, most expats earning above the FEIE threshold find the FTC works better. Excess credits can be carried back one year and forward ten years. The choice between FEIE and FTC has secondary effects worth understanding. The FEIE can disqualify you from making Roth IRA contributions if it pushes your taxable U.S. income low enough. The FTC preserves earned income for IRA contribution purposes. For families with college-age children, the FEIE can also affect the calculation of education credits. Reporting Obligations: Modelo 720 and FBAR Spanish tax residents must file Modelo 720 each year, declaring foreign accounts, securities, and real estate that exceed €50,000 in any of three categories. The form is informational, not a tax return, but penalties for non-filing have historically been severe (though the European Court of Justice forced Spain to substantially soften them in 2022). The filing window is January 1 through March 31 each year for the prior year’s data. On the U.S. side, you’ll continue to file: FBAR (FinCEN Form 114): required when total foreign accounts exceed $10,000 at any point during the year. Form 8938 (FATCA): required when foreign financial assets exceed $200,000 at year-end or $300,000 at any point during the year for single filers living abroad ($400,000/$600,000 for married filing jointly). Form 8621: required for any PFIC holdings — more on this below. Form 8833: to disclose treaty positions. The reporting load is real but manageable with the right preparer. What gets people in trouble isn’t usually the difficulty of any single form — it’s not knowing the forms exist. Investments: What to Do Before You Become a Spanish Tax Resident This is the single most consequential financial planning area for Americans moving to Spain, and the area where pre-move action matters most. Once you’re a Spanish tax resident, your options narrow considerably. The window before that happens is when most of the high-leverage decisions get made. The Brokerage Account Problem A wave of U.S. brokerage firms — including Vanguard, Fidelity, Morgan Stanley, Merrill Lynch, Edward Jones, Ameriprise, TIAA, USAA, and others — have been restricting or closing accounts of U.S. citizens who update their address to a foreign country. The pace accelerated sharply in 2024 and 2025 as firms tightened compliance with anti-money-laundering and FATCA-related requirements. Some firms close accounts outright; others restrict trading to liquidating positions only; some allow continued holdings but block new purchases. The practical implications for someone planning to move to Spain are: Don’t update your address until you have a plan. Once your firm sees a Spanish address, you may have 30 to 60 days to make decisions under significant time pressure. Identify expat-friendly custodians in advance. Charles Schwab International and Interactive Brokers continue to serve U.S. expats in Spain with relatively few restrictions, and a handful of independent advisory firms maintain relationships with custodians who will hold accounts for U.S. citizens abroad — typically when those accounts are managed by the advisory firm rather than self-directed. Transfer assets in-kind, don’t liquidate. If you’re forced to move accounts, transferring securities directly between custodians avoids creating a tax event. Liquidating into cash can trigger massive unintended capital gains. We spend considerable time at AIO Financial helping clients structure their accounts to remain compliant and accessible from abroad. The best time to do this work is before the move. Why Local European Brokerages Are a Trap for Americans The natural instinct, once you’ve moved to Spain, is to open a Spanish or European brokerage account and invest locally. For non-Americans, this is fine. For U.S. citizens, it’s a tax catastrophe — because of the Passive Foreign Investment Company (PFIC) rules. Under U.S. tax law, virtually any non-U.S. pooled investment vehicle — every European mutual fund, every UCITS ETF, every European-domiciled index fund — is classified as a PFIC. The IRS designed PFIC rules to discourage Americans from investing in foreign funds that the IRS cannot easily audit, and the punishment is severe: PFICs are taxed at the highest ordinary income rates (currently up to 37%) on gains, with interest charges layered on top, and require an annual Form 8621 filing that can take a tax preparer several hours per fund to complete. There’s a Qualified Electing Fund (QEF) election that can avoid the worst of these rules, but it requires the foreign fund to provide an annual PFIC statement with very specific information. Almost no European fund managers produce these for retail investors, so QEF elections are theoretically available but practically impossible. The bottom line is straightforward: as a U.S. citizen living in Spain, you generally need to invest through a U.S. brokerage in U.S.-domiciled funds and ETFs. Buying European funds — even excellent, low-cost European index funds — turns a clean financial picture into a tax disaster. There’s a complicating wrinkle: EU MiFID II regulations restrict EU-resident investors from buying many U.S.-domiciled ETFs, because U.S. fund providers haven’t produced the EU-required Key Information Documents. Most U.S. expats in Europe end up holding individual stocks, ETFs purchased through expat-friendly U.S. brokerages, and pre-existing fund positions. Some use options strategies or structured workarounds. Working with a cross-border advisor who understands which products remain accessible matters here. Pre-Move Investment Moves to Consider Twelve to eighteen months before your move, the following are typically worth analyzing: Harvesting long-term capital gains. As discussed above, U.S. long-term gains rates often beat Spanish savings rates, and once you’re a Spanish resident, every sale potentially triggers Spanish tax. Strategically selling and rebuying appreciated positions in your final U.S. year can lock in U.S. tax treatment. Roth conversions. If you have meaningful traditional IRA balances and you’re not in a high U.S. tax bracket, completing Roth conversions before the move means the conversion is taxed at U.S. rates only. After the move, conversions get more complicated (and the resulting Roth doesn’t get U.S.-style tax-free treatment in Spain anyway). Roth distributions. For older clients with substantial Roth balances who plan to draw on them in retirement, taking distributions before becoming a Spanish tax resident captures the full Roth benefit. Once in Spain, the gain portion of every distribution is taxable. HSA decisions. Health Savings Accounts are not recognized by Spain. The income inside them is potentially taxable annually for Spanish tax residents. Some clients draw down HSAs before the move; others maintain them with the understanding that ongoing reporting and tax will apply. 529 plans. Similar issues. 529 plans aren’t recognized as tax-advantaged in Spain, and depending on the structure, may create ongoing Spanish tax liability. Drawing down 529s for U.S. educational use before the move, or restructuring them, is often part of the plan. Real estate decisions. Selling a U.S. primary residence before the move keeps the Section 121 exclusion ($250,000 single / $500,000 married) cleanly available under U.S. rules. Selling after the move adds Spanish tax considerations and can complicate the exclusion. Renting out the U.S. home while abroad creates ongoing reporting in both countries but can be the right answer for those who plan to return. Trust and estate review. U.S. revocable living trusts are not recognized as transparent in Spain — Spanish tax authorities may treat them as opaque foreign entities, which can create unexpected tax consequences. Estate plans drafted under U.S. assumptions often need substantial revision before a move. Should You Keep Investments in the U.S. or Move Them Abroad? For almost every American citizen moving to Spain, the answer is: keep your investments in the U.S. The combination of PFIC rules, EU MiFID II restrictions on U.S. ETFs, and the comparatively higher costs and lower transparency of European retail investing means that a U.S.-domiciled portfolio held at an expat-friendly U.S. brokerage is almost always the right structure. The exception is if you renounce U.S. citizenship — but that’s a separate, much larger conversation. What changes is what you hold and how you manage it. U.S.-domiciled ETFs and individual stocks remain the foundation. You may need to adjust around currency exposure (more on this below), tax-efficiency rules that differ between the two countries, and the loss of access to certain U.S. mutual funds that don’t allow non-resident purchases. Asset location — what you hold in Roth versus traditional versus taxable accounts — also looks different through a cross-border lens. Currency Considerations One question we get often: should you convert to euros once you move? The honest answer is “it depends on your time horizon and liabilities.” Most retirees and long-term residents in Spain end up with euro-denominated living expenses but dollar-denominated investments. Over time, this creates currency exposure: a 10% drop in the dollar means your investment portfolio buys 10% less in Spain. There are a few approaches we use with clients: Hold a euro cash reserve sufficient to cover 1–2 years of living expenses. This protects against short-term currency movements forcing investment sales at bad prices. Don’t try to time currency markets. Strategic currency hedging at the portfolio level is rarely worth the cost for individual investors. For larger portfolios, consider modest direct euro exposure through ETFs that hold European equities or international developed-market funds. Don’t overdo it — global diversification is good; concentrated currency bets are not. Moving Cash: How to Actually Get Money to Spain Getting funds across the Atlantic has gotten easier in recent years but still has friction points worth understanding. Wire Transfers vs. Money Service Providers Traditional bank wires from a U.S. bank to a Spanish bank work but are typically expensive — fees commonly run $25–$50 per outbound wire from the U.S. side, plus a poor exchange rate that often costs another 1–3% of the amount transferred. For a $100,000 transfer, that’s potentially $3,000+ in spread costs. Specialized providers like Wise (formerly TransferWise), OFX, and Revolut typically offer mid-market exchange rates with much lower fees, often under 0.5% all-in. For larger transfers, a foreign exchange broker can negotiate even better rates, sometimes with a forward contract that locks in the exchange rate for a specific future date — useful when you’re closing on a Spanish property and want to know exactly how many dollars the euro purchase price will cost. For most cross-Atlantic transfers under $250,000, Wise is the simplest and lowest-cost option. Above that, dedicated FX brokers start to make sense. Spanish Bank Accounts You’ll need a Spanish bank account for daily living. The traditional banks (CaixaBank, BBVA, Santander) all offer non-resident accounts you can open before establishing residency, though increasingly they want to see your NIE (Spanish foreigner identification number) or your visa. Newer digital banks like N26 and Revolut are popular with expats for their lower fees and English-language interfaces, though some Spanish landlords and employers still prefer traditional banks. A common approach: open a basic non-resident account at a major Spanish bank for housing transactions and government payments, plus a Wise multicurrency account for receiving USD income and converting to EUR efficiently. Reporting Large Transfers Both U.S. and Spanish authorities track large cross-border transfers. On the U.S. side, transfers over $10,000 are reported automatically by your bank to FinCEN. On the Spanish side, banks report incoming international transfers to the Banco de España and tax authorities. None of this is illegal or problematic — but if you’re moving $400,000 to buy a house in Valencia, expect both sides to know, and don’t structure transfers in ways that look like you’re trying to avoid reporting (which is itself a U.S. federal crime). Cash Buffer for the First Year We typically recommend clients have at least six months — preferably twelve months — of Spanish living expenses available in liquid form before the move, in addition to their long-term investment portfolio. The first year in Spain comes with surprise costs: temporary housing, deposits, immigration fees, legal and tax advisor fees, furniture, car purchases, healthcare deposits. Having a cash buffer means none of this requires selling investments at a bad time or running up debt at unfavorable rates. Healthcare, Insurance, and Social Security Spain has one of the better healthcare systems in the developed world, but accessing it as a new arrival requires planning. Most visa categories require private health insurance during the application process and typically through the first year of residency. Standard policies from companies like Adeslas, Sanitas, and Asisa run €60–€150 per month per person depending on age and coverage level. After establishing residency and (for those working in Spain) contributing to Spanish Social Security, you become eligible for the public system, which is generally excellent. For Americans on Medicare, Medicare does not cover care received in Spain. Some retirees maintain Medicare and pay the Part B premiums in case they return to the U.S.; others let it lapse. Reactivation comes with late-enrollment penalties, so this decision deserves careful thought before it’s made. U.S. Social Security retirement benefits continue to be paid to U.S. citizens living in Spain, and the U.S.–Spain Totalization Agreement helps prevent dual social security taxation for many work situations. Working in Spain also generates Spanish social security credits that may eventually qualify you for Spanish retirement benefits, though qualification typically requires fifteen or more years of contributions. Estate Planning Across Borders This is the area most often deferred — and most often regretted. U.S. estate plans drafted assuming U.S. residence rarely work cleanly in Spain. Spain has its own inheritance and gift tax (Impuesto sobre Sucesiones y Donaciones) that applies to Spanish residents and to inheritances of Spanish-located assets. National rates run from 7.65% to 34%, with multipliers based on the relationship between the deceased and the beneficiary. Autonomous communities have wide latitude to set their own rates and bonifications, so effective rates vary enormously: in Madrid, Andalucía, and several other regions, close family members pay almost nothing; in others, rates approach the national maximum. Spanish forced heirship rules also differ from U.S. rules. Spain reserves a legitimate portion of an estate for certain heirs (typically children), which can override testamentary wishes expressed in a U.S. will. EU Regulation 650/2012 allows you to elect U.S. (or your nationality’s) law to govern your succession, but this election generally must be made explicitly in your will and is not automatic. Revocable living trusts, the workhorse of U.S. estate planning, are not transparent in Spain. The Spanish tax authority may treat the trust as a separate opaque entity, which can create unexpected income tax during life and complicate inheritance treatment at death. Many cross-border families need to revise or replace their trust structure before the move. Practical recommendations: consult a Spanish abogado experienced in cross-border estate planning before the move. Have a Spanish will (separate from your U.S. will) covering Spanish-located assets. Make explicit choice-of-law elections under EU Regulation 650/2012. Review beneficiary designations on all U.S. accounts to ensure they still make sense. Lifestyle Costs: What Spain Actually Costs in 2026 A rough framework for Spanish living costs in 2026, by region: Mid-sized cities (Valencia, Granada, Málaga, Seville, Zaragoza): A comfortable lifestyle for a single person runs €1,800–€2,500 per month including rent for a one-bedroom in a desirable neighborhood. A couple typically lives well on €3,000–€4,500 per month. Madrid and Barcelona: Add 30–50% to the above. A nice one-bedroom in central Madrid runs €1,400–€2,000 per month; in Barcelona, €1,500–€2,200. Total monthly costs for a single person comfortably range €2,800–€4,000. Coastal premium areas (Marbella, Ibiza, parts of Mallorca): Closer to U.S. coastal city costs, especially in summer months. Expect €4,000+ monthly for comfortable single living, often €6,000+ for couples. Rural and smaller towns: Substantially lower. Many Americans report living comfortably in Spanish villages or small cities for €1,500–€2,000 monthly per person, including rent. These figures cover housing, food, utilities, transport, basic entertainment, and private health insurance. They don’t include big-ticket items like a car purchase, international travel, or major medical events. A Practical Pre-Move Timeline For a hypothetical move twelve to eighteen months in the future, here’s the timeline we generally recommend: T-18 to T-12 months: Strategic planning. Engage a U.S.-side cross-border financial planner and a Spanish abogado/tax specialist. Decide on visa pathway. Begin tax-projection modeling. Identify which U.S. accounts will move and which custodians can serve you abroad. Begin Spanish language study if you haven’t already. T-12 to T-9 months: Big financial moves. If indicated, complete Roth conversions. Begin strategic gain harvesting in taxable accounts. Review 529 and HSA balances for pre-move decisions. Decide on U.S. real estate (sell, rent, or hold). Update estate documents. T-9 to T-6 months: Visa application. Gather documents, get FBI background check apostilled, prepare income documentation, file the visa application. (Application processing typically takes 4–5 months.) T-6 to T-3 months: Logistics. Arrange international moving company. Begin planning what to ship versus sell versus store. Open expat-friendly U.S. brokerage account if needed. Open Spanish non-resident bank account if possible. Identify Spanish housing for the first 3–6 months. T-3 months to move date: Execution. Final tax planning moves. Cancel U.S. utilities, services, insurance. Notify employer if working remotely. Confirm all Spanish appointments (NIE, padrón, visa pickup). Time the actual move date for tax efficiency — generally after July 2 in any given calendar year if circumstances permit. T-0 to T+6 months in Spain: Settling in. Register with local padrón. Apply for Tarjeta de Identidad de Extranjero (TIE). Set up Spanish utilities, internet, healthcare. Critically: file Beckham Law election within 6 months of Social Security registration if eligible. Begin Spanish tax registration with AEAT. T+12 months: First Spanish tax return. File first IRPF return for the partial year (if applicable). Review and adjust ongoing tax strategy based on actual income realized. How AIO Financial Works With Cross-Border Clients At AIO Financial, our work with Americans moving to Spain is fundamentally about reducing the cost of bad surprises. We are a fee-only fiduciary firm — meaning we receive no commissions, no kickbacks, no revenue from any product we recommend. Our clients pay us directly, and we work only for them. That structure matters especially for international moves, where the financial services industry’s commission-based incentives often push expats into expensive insurance products and PFIC-laden offshore structures that primarily benefit the salesperson. Our typical engagement with a Spain-bound client involves an initial deep planning phase eight to twelve months before the move, then transition support during the move itself, then ongoing investment management and annual planning review once settled. We coordinate with Spanish tax counsel and U.S. expat tax preparers — we don’t replace them, but we make sure all the pieces fit together. We help clients maintain compliant U.S. brokerage relationships from abroad through our institutional arrangements. We don’t claim to be everything. We’re not Spanish lawyers or accountants. We don’t handle Spanish tax filings ourselves. Spain’s gestores and Spanish tax advisors handle that side of the picture. Our role is the U.S.-side planning and the cross-border coordination — making sure the two systems work together rather than against each other for our clients. The Bottom Line Moving to Spain can be one of the best financial and lifestyle decisions an American family makes. It can also be one of the most expensive, depending on how the planning goes. The difference is rarely about how much money you have — it’s about how much advance planning you do. The tax rates aren’t usually the killer. Spain isn’t dramatically more expensive than the U.S. on income tax for most middle-income families. What costs people money is the avoidable mistakes: missing the Beckham Law deadline, holding the wrong type of investments, triggering U.S. capital gains in Spain when they could have been harvested at home, getting blindsided by Modelo 720 reporting, ending up in a high-wealth-tax region without realizing it. Almost all of these are preventable. The work to prevent them mostly happens twelve to eighteen months before the plane takes off, not after. If you’re seriously considering Spain, the time to start the financial planning conversation is now. AIO Financial is a fee-only fiduciary financial planning firm registered with the SEC, headquartered in Tucson, Arizona, and serving clients virtually across the United States and abroad. We specialize in expat financial planning, sustainable and impact investing, retirement planning, and tax-aware investment management. We earn no commissions, sell no products, and are compensated only by our clients. To discuss your situation, visit aiofinancial.com or contact us at 520-325-0769. This guide is for educational purposes only and is not legal, tax, or investment advice. Tax laws and visa rules change frequently. The figures, thresholds, and rates cited reflect our understanding as of early 2026 and are subject to change. Please consult qualified U.S. and Spanish professionals about your specific situation before making cross-border financial or relocation decisions.

The Ransomware Minute is a rundown of the latest ransomware attacks & news, brought to you Cybercrime Magazine, Page ONE for Cybersecurity. Listen to the podcast weekly and read it daily at https://ransomwareminute.com. For more on cybersecurity, visit us at https://cybercrimemagazine.com.

The boys are back in town as we get closer to the end of the season!In this episode, Buvey loses his head as City blow a huge opportunity in the title race against Everton, the boys breakdown the possibility of Arsenal doing the double now as well as how the return of Saka impacts the rest of the season. Alongside this, Rory UNLOADS all his grievances about Chelsea - do these owners need to go? Adam claims Man Utd are back as we discuss Carrick's future and finally is Liverpool VS Man City considered the greatest PL Rivalry? Let us know in the comments what you think

Join Bryan Hayes, Jeff O'Neill and Jamie McLennan for Hour 2 on OverDrive! TSN Hockey Analyst Mike Johnson delves into Auston Matthews' uncertain future with the Maple Leafs, a possible duo with Connor McDavid and the organization's next steps. They go around the sports world for Confirm or Deny, the NHL Draft Lottery simulator and Bryan hands out his FanDuel Best Bets.

Spring is a season of fresh starts. Closets get cleaned out, garages get organized, and routines reset after a long winter. But while many people focus on their homes, their finances often go untouched—because money habits tend to collect clutter just as easily.  Links: Check out TCU University for financial education tips and resources! Follow us on Facebook, Instagram and Twitter! Learn more about Triangle Credit Union Transcript: Welcome to Money Tip Tuesday from the Making Money Personal podcast.  For many people, spring is an ideal time to reset financially. Life changes quickly at this stage, and small inefficiencies can quietly add stress or hold you back. A financial spring cleaning doesn't require perfection or dramatic changes—it's about reviewing what you have, cutting what no longer serves you, and optimizing what you keep. I'll call this the three-step Financial Cleaning Plan: Review, Cut, and Optimize.    Before you cut or optimize anything, you need a clear picture of where you stand. Think of this as opening all the closet doors before deciding what stays.    With a clear overview established, let's begin the Financial Cleaning Plan with step one: Review.   Identify all income sources like primary checks, bonuses, commissions, and side income. Note any recent changes, such as job switches or raises. The key is understanding what actually comes in each month, which sets the foundation for every other decision you'll make going forward.   Next, review your monthly spending patterns. Check where your money goes each month.   Scan the last two or three months of transactions and group expenses into two categories: Fixed expenses (rent, mortgage, childcare, insurance) and variable spending (food, entertainment, convenience purchases).   Don't be alarmed if your variable expenses over the last few months come in a little higher than you thought. Winter often brings higher spending, and habits formed during busy seasons can linger longer than expected.   Check your debt balances. Make a list of all debts—credit cards, student loans, and auto loans. Record current balances, interest rates, and required monthly payments. Don't get discouraged if your total debt balance gets you down. This part of the review isn't about judgment. It's about awareness.   Finally, review your savings and emergency funds. Check what you have set aside for unexpected expenses. Will your fund still cover many of the more common emergency expenses? Can it help out with an unexpected job loss? A sudden medical emergency, a quick home repair?  As life changes, families grow or careers evolve, the savings targets need to evolve too.   Alright, the first step was Review. The second step of our three-part plan is to cut:   Start by identifying what's no longer serving you. Once you clearly see where your money goes, cutting becomes easier—and less emotional.   Start by reviewing your streaming platforms, app subscriptions, gyms, and delivery memberships. Remove or cancel any that haven't been used recently.   Watch for lifestyle creep. As income increases, spending often quietly follows. Look for convenience costs that climbed during hectic seasons and any spending that doesn't align with your priorities or values.   Reduce high‑interest costs. Identify high‑interest credit card balances or unnecessary fees. Cut what you can to create relief.   Eliminate overlap. Identify multiple savings accounts, outdated insurance coverage, or redundant financial tools and remove those that add confusion to your financial plan.     Now we're onto step three: Optimize—improve your finances so what remains works better for you.   One of the best optimization strategies is to automate your finances. Set up automated savings transfers, bill payments, and retirement contributions. The best part about this is that all you have to do is set it once, then let it run.    Review your savings goals. Adjust your emergency fund for lifestyle changes. Update short- and long-term savings priorities, such as travel, home projects, retirement, or education, and use an automatic savings tool to adjust the contributions to those funds.   Optimize by improving your debt strategy. Ask whether your current repayment plan still makes sense. Could refinancing lower the interest rate? Should higher‑interest balances be prioritized more aggressively? Does your strategy match your current cash flow? Would a debt consolidation move help? Make the right adjustments to answer these questions and consider taking steps towards active debt refinancing or consolidation if needed.    And finally, optimize any of your employer benefits. Take time to review your retirement plan contributions, any HSA or FSA use, and insurance choices. Confirm you are making the most of what is offered.   To wrap up, you don't need a complete overhaul to feel in control. With review, cut, and optimize, head into warmer months with clarity and confidence.   In spring cleaning season, your finances deserve some attention, too. A little cleanup can leave you lighter, calmer, and more prepared for the future.  If there are any other tips or topics you would like us to cover, let us know at tcupodcast@trianglecu.org. Like and follow our Making Money Personal FB and IG page and look for our sponsor, Triangle Credit Union on social media to share your thoughts.   Thanks for listening to today's Money Tip Tuesday and check out our other tips and episodes on the Making Money Personal podcast. 

Can Forest keep their good run going and beat Chelsea to confirm survival? For Exclusive Content Join FFTV Patreon: https://www.patreon.com/ForestFanTV The Reds head to west London with massive momentum, but the big question is: who makes the bus? Join Wolfie as he navigates the injury minefield surrounding our star Brazilian center-back duo. While Murillo remains a major doubt with that nagging hamstring issue, there's hope that Jair Cunha might be ready to return to the heart of the defense. We'll also look at the late fitness tests for Dan Ndoye and Ibrahim Sangaré, and whether Vitor Pereira can finally field a settled backline against a Chelsea side that's been a total rollercoaster under their interim boss. With West Ham suffering a heavy 3-0 defeat at Brentford this weekend, the door has swung wide open for Forest to pull further away from any lingering trouble. Wolfie asks the controversial question: with a historic Europa League second leg looming at Villa Park on Thursday, should we be resting our "untouchables" like Morgan Gibbs-White or Chris Wood? We'll debate if a cagey draw at the Bridge is actually the "perfect" result to keep the nine-game unbeaten run alive without burning the tanks before the trip to Birmingham. Get your predicted XIs in the comments—are you playing it safe, or going for the throat? COYR! #nffc #premierleague #chelsea Learn more about your ad choices. Visit podcastchoices.com/adchoices

Jimmy Akin is teaching Introduction to Parapsychology for the Rhine Education Center The post Scientists Confirm What the Church Always Knew: Proof of Psychic Powers & Survival After Death appeared first on StarQuest Media.

Starting Wednesday, May 6th, Jimmy Akin is teaching Introduction to Parapsychology for the Rhine Education Center—8 weeks of live online classes (Wed, 7–9 PM ET, recordings available) covering the scientific evidence for psychic functioning and survival of bodily death. You'll look at telepathy, clairvoyance, precognition, psychokinesis, near-death experiences, apparitions, mediumship, hauntings, poltergeists, reincarnation cases, and the major criticisms of the field—plus how it all fits with the Christian view of the human person. Audit it or take it for a grade. Tuition $225 ($200 for Rhine members). It's also the required first course for the Rhine's certificate programs. → RhineEdu.org

KeywordsPersonal development, Goal setting, Aligned action, Patience, Self-trust, Vision, Small steps, IntentionalitySummaryThis episode explores the journey from vision to aligned action, emphasizing the importance of starting small, moving with integrity, and letting action confirm your vision. It offers practical strategies for making intentional progress without rushing or seeking external validation. Takeaways- Start smaller than your ego wants to avoid overwhelm.- Move with integrity and alignment, not impulse.- Let action serve as a feedback loop to strengthen your vision

Reports from the Wall St Journal suggest the Saudi Arabian investment in LIV is over, so what now? We speak to the man who broke the story to understand what it means for the rebel golf league, players like Cameron Smith and events like LIV Adelaide.Featured: Andrew Beaton, Wall St Journal.To catch up on everything that's making sports headlines recently, listen to more episodes of ABC Sport Daily,' hosted by Patrick Stack on ABC listen or wherever you get your podcasts, and get in touch with them on social media via @abc_sport. In the episodes we will cover big sporting personalities and all sports, including cricket, soccer, F1, NBA, AFL, AFLW to NRLW & NRL news, to covering competitions like the Olympics, the World Cup, The Ashes, Grand Prix and Grand Finals and more.

A comprehensive 2025 review of 52 animal studies found high-certainty evidence that radiofrequency radiation causes brain and heart tumors in laboratory animals -- the same tumor types linked to cell phone use in humans. This systematic review represents the most comprehensive analysis of RF-EMF cancer studies in laboratory animals to date, strengthening the case for radiofrequency radiation as a human carcinogen. The convergence between controlled animal experiments and human epidemiological studies provides compelling evidence that current safety standards may be inadequate. In This Episode High-certainty evidence for brain gliomas and heart schwannomas in male rats How animal findings match human cell phone cancer studies Why benchmark doses as low as 0.177 matter for daily exposure Featured Study Read the full study: Effects of radiofrequency electromagnetic field exposure on cancer in laboratory animal studies, a systematic review See all studies at shieldyourbody.com/research

Dave Birss says you won't be replaced by AI - you'll be replaced by a leader who's been told the wrong story about it.About this episodeDave Birss is back on Business Without BS - author of the Sensible AI Manifesto, co-founder of the Gen AI Academy, and a man who's taught a million-and-a-half people how to use AI without setting their business on fire. He walks Andy and Andrew through what he calls a "corporate poopocalypse" — what happens when you apply AI to a business that hasn't cleaned up its own mess.The episode covers the Sensible AI Manifesto's six points, the CREATE prompting framework, the three Cs for checking AI output, the adequacy trap, why judgment is the most undervalued skill of the next decade, and the practical playbook for rolling out AI across a team without sending the whole organisation into a panic.About the guestDave Birss co-founded the Gen AI Academy with Helena, where they run AI training across governments, the UN, and Fortune 500 companies. He wrote the Sensible AI Manifesto and GPT Junior, the kids' AI book and video course now in over 100 schools. Before all that he spent his career in advertising and creativity, which is where most of his frameworks come from.Key moments[02:46] The Roomba poopocalypse - why AI applied to a dysfunctional business spreads the mess, not the productivity.[05:46] Corporate barnacles - the institutional plaque costing every business 40% in fuel and speed.[08:04] Sensible AI Manifesto Point 1: use AI to augment skills, not to outsource tasks.[09:15] The two-list exercise: tasks that piss you off vs tasks you wish you could do more of. Only the second list is the real opportunity.[12:11] AI slap - 96% of leaders think AI raises productivity, 77% of staff feel buried by unrealistic expectations.[13:48] The adequacy trap - why AI users get stuck at "good enough" and never break through.[22:51] The other five Manifesto points: use data responsibly, support employees, assign AI leaders, keep learning, always add a human layer.[26:40] The CREATE prompting framework — Character, Request, Examples, Adjustments, Type, Extras.[37:59] The three Cs for checking AI output: Confirm, Check, Craft. Why most people skip the third one.[55:14] How business owners keep their thinking sharp: do the work on paper before you open the laptop.[1:01:03] What humans still beat AI at - conceptualisation, creative voice, and judgment. The judgment one matters most.[1:14:17] The line that pisses Dave off: "you won't be replaced by AI, you'll be replaced by someone using AI." His correction is sharper.[1:18:09] The three-stage AI value pyramid — cost cutting → skill amplification → unlocking what wasn't possible before. 80% of companies are stuck on stage one.[1:24:18] How to roll out AI across a team in an afternoon: align with business strategy, declare an AI amnesty, pave the desire lines.Mentioned in this episodeSensible AI Manifesto — Dave's six-point framework for applying AI without breaking your business. Currently being turned into a book.Gen AI Academy - the training company Dave co-founded with Helena, working with governments, the UN and Fortune 500s.GPT Junior - Dave's book and video course teaching kids how to use AI properly, currently in over 100 schools.Perplexity - Dave's preferred AI tool for fact-checking because it gives you the sources.Cal Newport - referenced for the long-form-reading argument and the case that children reading for pleasure is the strongest predictor of life outcomes.Range (David Epstein) - the case for generalists over hyper-specialists; Dave says the book describes him.Yann LeCun - recently left Meta over the limits of next-token prediction; arguing AI needs world models, not just language.Roomba poopocalypse - the family-and-the-dog metaphor that opens the episode and frames the whole thing.Marc Andreessen / lump of labour fallacy — the framing for why we systematically underestimate the new jobs that emerge from disruption.RAF desire lines - the Nissan-hut path-paving story; Dave's metaphor for letting staff show you how AI is already being used.Combinedly - the AI tool Andrew's firm is testing for client-sentiment analysis and email drafting.Find the guestLinkedIn: https://www.linkedin.com/in/davebirss/ Gen AI Academy: https://thegenaiacademy.com/Follow Business Without BSWebsite: https://withoutbs.comYouTube: https://youtube.com/@bwblondonInstagram: https://instagram.com/bwblondonX / Twitter: https://x.com/bwb_londonLinkedIn: https://www.linkedin.com/company/business-without-bs

Join Bryan Hayes, Jeff O'Neill and Jamie McLennan for Hour 2 on OverDrive! TSN Hockey Analyst Mike Johnson joins to discuss the biggest headlines around the Stanley Cup Playoffs' first round. They dive into the sports world in the latest edition of Confirm or Deny and Bryan gives his FanDuel Best Bets.

Two people were killed when a strong storm brought tornados through Parker and Wise counties Saturday night. The National Weather Service confirmed Sunday that a tornado hit the Runaway Bay area in Wise County, bringing wind gusts of up to 135 mph. In other news, the Dallas firms behind a hotly debated $800 million development at the southwest corner of Preston Road and Royal Lane have scaled back elements of proposed Preston Hollow skyscrapers in a bid to mollify community backlash; Klay Thompson and Megan Thee Stallion have reportedly ended their relationship, with the singer accusing the shooting guard of infidelity; and Deadline reported this week that country singer Morgan Wade has been cast in a recurring role on the Yellowstone spin off Dutton Ranch. Learn more about your ad choices. Visit podcastchoices.com/adchoices

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Mark Dailey and mark Hamilton finally sit down to bring you the latest news from around the world of Formula 1. Hit that subscribe button and tune in for the full, unfiltered breakdown! You don't wanna miss this!

Kevin Randle is a retired military officer with a background in intelligence. Today, he's a full-time writer with more than 146 books to his credit, and a deep knowledge of the topics surrounding UFOs. Kevin has spent 35 years investigating the Roswell UFO crash and the mystery surrounding it, speaking to other military officers who witnessed elements of the crash site, including alien bodies, and shared shocking testimony about what the government has tried so hard to hide for decades. He explains Project Mogul and how it was used to divert attention away from the Roswell incident in 1947. Kevin also highlights another UFO sighting in 1957, allegedly witnessed by countless people, including military officials. Daily, the conversation around UFOs and UAPs becomes more mainstream, heightening public interest, despite government efforts to suppress the topic.  TAKEAWAYS The physical evidence from Roswell was quickly confiscated by the U.S. government and officials were sworn to secrecy Several sources told Kevin that the alleged bodies recovered from the Roswell site were processed through Wright-Patterson Air Force Base The 1957 UFO incident reportedly caused cars near the aerial object to stall which doesn't line up with the supposed bolt of lightning theory Witnesses to these UFO events describe seeing an ‘egg-shaped' aerial object

Join Bryan Hayes, Jeff O'Neill and Jamie McLennan for Hour 2 on OverDrive! TSN Hockey Analyst Mike Johnson joins to go across the Stanley Cup Playoffs diving into the matchups throughout the first round, the guys play Confirm or Deny and Bryan hands out his FanDuel Best Bets.

New DNA technology has allowed police to finally link notorious serial killer Ted Bundy to the brutal rape and murder of 17-year-old Laura Ann Aime. The teenager was found a month after she went missing from a Halloween party in 1974, her body naked, bound and badly beaten. DNA sitting in an evidence locker for more than 50 years was finally able to be recognized and matched to Bundy’s, creating a DNA profile that investigators say can now be used to provide answers in other unsolved cases where Bundy was a suspect. See omnystudio.com/listener for privacy information.

New DNA technology has allowed police to finally link notorious serial killer Ted Bundy to the brutal rape and murder of 17-year-old Laura Ann Aime. The teenager was found a month after she went missing from a Halloween party in 1974, her body naked, bound and badly beaten. DNA sitting in an evidence locker for more than 50 years was finally able to be recognized and matched to Bundy’s, creating a DNA profile that investigators say can now be used to provide answers in other unsolved cases where Bundy was a suspect. See omnystudio.com/listener for privacy information.

New DNA technology has allowed police to finally link notorious serial killer Ted Bundy to the brutal rape and murder of 17-year-old Laura Ann Aime. The teenager was found a month after she went missing from a Halloween party in 1974, her body naked, bound and badly beaten. DNA sitting in an evidence locker for more than 50 years was finally able to be recognized and matched to Bundy’s, creating a DNA profile that investigators say can now be used to provide answers in other unsolved cases where Bundy was a suspect. See omnystudio.com/listener for privacy information.

New DNA technology has allowed police to finally link notorious serial killer Ted Bundy to the brutal rape and murder of 17-year-old Laura Ann Aime. The teenager was found a month after she went missing from a Halloween party in 1974, her body naked, bound and badly beaten. DNA sitting in an evidence locker for more than 50 years was finally able to be recognized and matched to Bundy’s, creating a DNA profile that investigators say can now be used to provide answers in other unsolved cases where Bundy was a suspect. See omnystudio.com/listener for privacy information.

Join Bryan Hayes, Jeff O'Neill and Jamie McLennan for Hour 2 on OverDrive! TSN Hockey Analyst Mike Johnson joins to discuss Auston Matthews' future with the Maple Leafs, his outlook in Toronto and the Hart Trophy sweepstakes. They also go around the sports world in Confirm or Deny, TSN Hockey Analyst Martin Biron joins to dive into the segment 'Dis or Data' and Bryan gives his FanDuel Best Bets.

Allie sits down with Christian apologist Wes Huff for a powerful conversation on the true meaning of Holy Week, Easter, and the historical evidence for the Resurrection. Huff breaks down why the Resurrection is the cornerstone of the Christian faith, addressing common skeptic objections and explaining how the early church's explosive growth points to a real, bodily Resurrection. From the empty tomb to the eyewitness accounts to the transformation of the disciples, this episode equips believers with solid apologetics for sharing the gospel during Easter season. Don't miss this encouraging discussion on the hope of the Resurrection and why it still changes everything today. #Easter #Resurrection #HolyWeek #JesusResurrection #WesHuff #AllieBethStuckey #ChristianApologetics #RelatablePodcast Share the Arrows 2026 is on October 10 in Dallas, Texas! Tickets are on sale now at: ⁠⁠⁠⁠⁠⁠https://sharethearrows.com⁠⁠⁠ Share the Arrows is sponsored by: A'del Natural Cosmetics: AdelNaturalCosmetics.com Range Leather: RangeLeather.com/ALLIE We Heart Nutrition: WeHeartNutrition.com Buy Allie's book "Toxic Empathy: How Progressives Exploit Christian Compassion": ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.toxicempathy.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ – Time Codes 0:00 Introduction 1:53 Skepticisms of the Resurrection 19:55 Heaven – Good Ranchers | If you go to ⁠⁠⁠GoodRanchers.com⁠⁠⁠ and subscribe to any of their boxes of 100% American meat, you'll save up to $500 a year! Plus, if you use code ALLIE, you'll get an additional $25 off your first order. Legacybox | Visit Legacybox.com/ALLIE to take advantage of Legacybox's Spring Cleaning sale and preserve your family's story.

It's This Week in Bourbon for April 3rd 2026. Brown-Forman Corp. and Pernod Ricard have confirmed mutual interest in a merger, two lawsuits have been dismissed for competing bourbon brands, and Larrikin Bourbon has released its third annual “Pour for the Roses". Show Notes: Brown-Forman and Pernod Ricard confirm mutual interest in a "merger of equals" to consolidate two of the world's largest spirits portfolios while maintaining family control Green River Distilling parts ways with Head Distiller Aaron Harris as the Owensboro facility faces further workforce contractions LF Heritage Distilling Co. property ordered to foreclosure and sale following a $5 million debt dispute with construction contractors MGP Ingredients clears securities fraud lawsuit after a judge rules leadership mismanaged market shifts rather than intentionally misleading investors Brough Brothers loses appeals court challenge against Fresh Bourbon over the "first" Black-owned Kentucky distillery claim Larrikin Bourbon launches "Pour for the Roses – 2026 Running," a 9-year single barrel expression featuring vintage feed bag packaging for the Kentucky Derby Proof & Wood introduces its first Bottled in Bond expression with an 11-year Tumblin' Dice Straight Bourbon featuring a unique 99% corn mashbill Hard Truth Distilling Co. debuts its first 7-year age-stated trio, featuring Sweet Mash Rye, Bourbon, and Wheated Bourbon crafted entirely on their Indiana campus Learn more about your ad choices. Visit megaphone.fm/adchoices

Today, Rachel and Callie schedule an emergency pod to break down all that has come to light surrounding Ciara, West, and Amanda from ‘Summer House.' They talk about what this means for the show going forward, how Amanda and West have ruined their careers, and what differentiates this drama from the likes of Scandoval. They send their best wishes to Ciara and share what they hope for her as she moves forward with the reunion and in reality TV. Hosts: Rachel Lindsay and Callie Curry Producer: Olivia Crerie Theme Song: Devon Renaldo Learn more about your ad choices. Visit podcastchoices.com/adchoices

New details have come out about Taylor Frankie Paul's 2026 assault allegations. Alex Cooper gives Dakota Mortensen another shot at reality TV! And the latest Summer House affair rumors with Amanda Batula, West Wilson, and Ciara Miller. Is this the new Scandoval?! Head to https://www.factormeals.com/nofilter50off and use code nofilter50off to get 50% off and free daily greens per box, with new subscription only, while supplies last until 09/27/2026. (See website for more details).Become a Member of No Filter: ALL ACCESS: https://allaccess.supercast.com/ Shop New Merch now: https://merchlabs.com/collections/zack-peter?srsltid=AfmBOoqqnV3kfsOYPubFFxCQdpCuGjVgssGIXZRXHcLPH9t4GjiKoaio Watch Disaster Daters: https://open.spotify.com/show/3L4GLnKwz9Uy5dT8Ey1VPiBook a personalized message on Cameo: https://v.cameo.com/e/QxWQhpd1TIbDisclaimer: The views expressed in this video, on this YouTube Channel, and on No Filter with Zack Peter are for entertainment purposes only. All content is protected under Fair Use Rights.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Enter the Turtle Time Situation Room with us as we discuss Amanda Batula and West Wilson announcing that they are in a relationship. If you enjoyed this breaking news update and need more Turtle Time in your life, join the ⁠⁠Turtle Time Patreon⁠⁠ and become a Villa Rosa VIP to hear exclusive bonus content! We're recapping the Vanderpump Rules series from the beginning each week and uncovering all of its secrets. And if you need even more Turtle Time in your life, follow us on ⁠⁠⁠TikTok⁠⁠⁠ or ⁠⁠⁠Instagram⁠⁠⁠. And please, if you want to watch some of the fun things we do, subscribe on ⁠YouTube⁠. Learn more about your ad choices. Visit megaphone.fm/adchoices

The JBP opens its latest episode discussing Ish's appearance on Ari Melber's show (7:20) before he and Joe talk once again about being outside in the early 2000s (32:50). Dwight Howard files for divorce following accusations from his wife (45:27), the NBA has canceled the Atlanta Hawks tribute night to Magic City (57:30), and Cowboys QB Dak Prescott and his fiance end their engagement following a joint bachelor-bachelorette party (1:05:08). Ray J comments on Snoop Dogg's handling of Death Row Records (1:36:50), a woman has been arrested for shooting at Rihanna's house (1:49:50), and the crew answers whether they'd go to their High School reunions to flex (2:05:00). Also, Marc Lamont Hill shares a story of a friend's experience on a Southwest flight (2:14:04), Logan Paul is trying to fight NFL players (2:22:05), Live Nation reaches a settlement in their antitrust lawsuit (2:37:45), Marc shares his thoughts on Jesse Jackson's funeral (2:50:14), and much more. Become a Patron of The Joe Budden Podcast for additional bonus episodes and visual content for all things JBP! Join our Patreon here: http://www.patreon.com/joebudden