Podcasts about cra

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Embedded Insiders
Navigating the Cyber Resilience Act with NXP Semiconductors and Axis Communications

Embedded Insiders

Play Episode Listen Later Jun 11, 2026 42:25


Send us Fan MailOn this episode of Embedded Insiders, we're diving into the EU Cyber Resilience Act with Giuseppe Guagliardo, Senior Product Manager at NXP Semiconductors, and Axel Keskikangas, Product Cybersecurity Architect at Axis Communications. During the discussion, the two provide an overview of the regulation and explain how NXP products and platforms help simplify CRA compliance, and how Axis supports the end user with evidence and assurance for CRA compliance. NXP Resources:CRA content hub: www.nxp.com/CRA CRA training academy: www.nxp.com/CRAacademyApplication note "Ease CRA compliance with EdgeLock Discrete Portfolio": https://www.nxp.com/docs/en/application-note/AN14671.pdf Axis Resources:Cybersecurity landing page: https://www.axis.com/about-axis/cybersecurityBlog article: https://newsroom.axis.com/blog/what-is-the-cyber-resilience-actFor more information, visit embeddedcomputing.com

European Securitisation Insights
Global ABS 2026 Recap

European Securitisation Insights

Play Episode Listen Later Jun 11, 2026 14:48


In the latest episode of our “Securitisation Insights” podcast, Mudasar Chaudhry, who leads our European Structured Finance Research team, collated the thoughts from the following Morningstar DBRS analysts featured at this year's Global ABS conference in Barcelona: Mirco Iacobucci, Associate Managing Director of European Commercial Real Estate Ratings, spoke on the Day One “Beyond the Clouds: Financing Digital Infrastructure” panel Kevin Stephenson, Managing Director and Head of APAC Credit Ratings, spoke on the Day Two “Deals Down Under: Opportunities in Aussie ABS” panel Stephan Rompf, Vice President of European Structured Credit Ratings, Funds, spoke on the Day Two “Big Capital, Small Business: Outlook for SME Lending” panel Mudasar Chaudhry, Senior Vice President and Lead of European Structured Finance Research, moderated the Day Two “The Bear and the Bull: Investors' Roundtable” panel Related research is available at the following link: https://go-dbrs.morningstar.com/FT-AFME-GlobalABS2026 By downloading or listening to this podcast, you are agreeing to the Morningstar DBRS disclaimer and legal terms and conditions found at dbrs.morningstar.com/about/disclaimer and dbrs.morningstar.com/about/termsandconditions, including that the information provided is not investment, financial or other advice. Morningstar DBRS will not be liable for losses arising from your use of the information. Please note that the content of this podcast is intended for European audiences only.

Canadian Wealth Secrets
How Risky Is Leveraged Investing? Have Canadian Investors Been Thinking About Risk All Wrong?

Canadian Wealth Secrets

Play Episode Listen Later Jun 10, 2026 31:28


Ready to take a deep dive and learn how to generate personal tax-free cash flow from your corporation? Enroll in our FREE masterclass here and book a call hereIs leverage really the risky part of wealth building — or is the bigger risk misunderstanding how, when, and why to use it?Many Canadian business owners and investors already use leverage every day through mortgages, vehicle financing, business debt, or lines of credit — yet borrowing to invest often feels like a completely different level of risk. In this episode, Kyle and Jon unpack why some forms of debt feel “normal” while others feel dangerous, and how education, experience, asset choice, and the right support can dramatically change how risk is perceived. If you've ever wondered whether leveraged investing is smart strategy or unnecessary danger, this conversation will help you think more clearly about the difference.You'll walk away with:A clearer way to compare “acceptable” debt, like mortgages, with investment leverage that may create income or tax advantages.A practical lens for understanding objective risk versus perceived risk — and why your experience with an asset class matters.A better sense of when leverage may be an opportunity, when it may be a red flag, and why guidance or deeper education can help reduce costly mistakes.Press play now to rethink leverage, risk, and opportunity through a more strategic wealth-building lens.Discover which phase of wealth creation you are in. Take our quick assessment and you'll receive a custom wealth-building pathway that matches your phase and learn our CRA compliant tax optimized strategies. Take that assessment here.Canadian Wealth Secrets Show Notes Page:Consider reaching out to Kyle if you've been……taking a salary with a goal of stuffing RRSPs;…investing inside your corporation without a passive income tax minimization strategy;…letting a large sum of liquid assets sit in low interest earning savings accounts;…investing corporate dollars into GICs, dividend stocks/funds, or other investments attracting corporate passive income taxes at greater than 50%; or,…wondering whether your current corporate wealth management strategy is optimal for your specific situation.For Canadian entrepreneurs and investors, building long-term wealth Canada starts with a clear Canadian wealth plan that connects leverage, risk management, investment strategies, financial education, and tax optimization into one intentional system. Whether you are comparing real estate investing Canada with real estate vs renting, exploring passive income planning, optimizing RRSP room, or weighing salary vs dividends Canada, the goal is to use smart financial planning, personal vs corporate tax planning, and corporation investment strategies to reduce investment risk while creating more financial freedom Canada. A strong plan may include RRSP optimization, tax-efficient investing, Canadian tax strategies, capital gains strategy, corporate wealth planning, business owner tax savings, corporate structure optimization, and financial systems for entrepreneurs, all supported by retirement planning tools, financial buckets, an investment bucket strategy, and financial vision setting. By focusing on financial diversification Canada, modest lifestyle wealth, early retirement strategy, passive income, estate planning Canada, legacy planning Canada, and financial independence Canada, Canadians can create wealth building strategies Canada that balance real estate, corporate assets, tax planning, and long-term investment risk management.Ready to connect? Text us your comment including your phone number for a response! If you listen to podcasts like The Rational Reminder with Ben Felix & Cameron Passmore, The Canadian Investor, The Canadian Real Estate Investor, Build Wealth Canada with Kornel Szrejber, ChooseFI with Jonathan Mendonsa & Brad Barrett, Afford Anything with Paula Pant, The Ramsey Show with Dave Ramsey, BiggerPockets Money, The Money Guy Show with Brian Preston & Bo Hanson, Invest Like the Best with Patrick O'Shaughnessy, Masters in Business with Barry Ritholtz, The Wealthy Barber Podcast with David Chilton, Financial Audit with Caleb Hammer, In the Money with Amber Kanwar, The Loonie Hour with Steve Saretsky, or More Money Podcast with Jessica Moorhouse — we're confident you'll enjoy Canadian Wealth Secrets too.Canadian Wealth Secrets is an informative podcast that digs into the intricacies of building a robust portfolio, maximizing dividend returns, the nuances of real estate investment, and the complexities of business finance, while offering expert advice on wealth management, navigating capital gains tax, and understanding the role of financial institutions in personal finance.

Moolala:  Money Made Simple with Bruce Sellery
What to Do With Your Crypto — Tax Rules Every Canadian Investor Needs to Know

Moolala: Money Made Simple with Bruce Sellery

Play Episode Listen Later Jun 10, 2026 13:04


With crypto prices swinging wildly, many Canadians are sitting on gains or losses and aren't sure what to do next. Certified financial planner Jason Heath of Objective Financial Partners and Objective Tax and Accounting breaks down exactly how the CRA treats cryptocurrency: when profits are taxed as capital gains versus business income, how switching between coins triggers a taxable event, what to do with a capital loss, and why the lack of T-slips makes crypto reporting more complicated than most people expect. Whether you bought Bitcoin on a dip or mined your way to a windfall, Jason has the tax clarity you need. Find out more at objectivefinancialpartners.com and connect on X, Facebook, and Instagram.

Moolala:  Money Made Simple with Bruce Sellery
Crypto Taxes, Finfluencers & the Future of Wealth Building in Canada | Full Episode

Moolala: Money Made Simple with Bruce Sellery

Play Episode Listen Later Jun 9, 2026 52:43


In this episode of Moolala: Money Made Simple, host Bruce Sellery tackles four pressing personal finance topics for Canadians. Certified financial planner Jason Heath breaks down the tax implications of cryptocurrency, including capital gains and losses, the risks of business income classification, and the importance of proper CRA reporting. Zainab Williams, founder of Fund Evolve, introduces her Influencer Safety Score, an AI-powered tool that helps Canadians evaluate the credibility and personal suitability of financial advice found on TikTok, Instagram, and beyond. Senior Desjardins economist Kari Norman explores the rise of the permanent renter in Canada, examining affordability data, wealth-building trade-offs, and why cities like Toronto and Vancouver are pushing more people to rent for the long term. Finally, Alex Mazer, co-founder and CEO of Commonwealth, makes the case for a Small Employer Retirement Plan Tax Credit which is a policy proposal designed to help the nearly 10 million Canadians who currently have no access to a workplace retirement plan. To find out more about the guests check out: Jason Heath: objectivefinancialpartners.com | X | Facebook | Instagram Zainab Williams: fundevolve.com | Instagram Kari Norman: LinkedIn (Kari) | LinkedIn | Instagram | Facebook | Economics Study | Economics Study Registration Alex Mazer: commonwealthretirement.com | LinkedIn Bruce Sellery is a personal finance expert and best-selling author. As the founder of Moolala and the CEO of Credit Canada, Bruce is on a mission to help you get a better handle on your money so you can live the life you want. High energy & low B.S., this is Moolala: Money Made Simple. Find Bruce Sellery at Moolala.ca | X | Facebook | LinkedIn

Bli säker-podden
#354 Säkrare eller osäkrare routrar?

Bli säker-podden

Play Episode Listen Later Jun 5, 2026 37:55


För att en router ska få säljas i EU måste den vara CE-märkt. Genom CE-märkningen garanterar tillverkaren att produkten uppfyller krav inom bland annat elsäkerhet och kemikaliesäkerhet. Nästa år kommer även krav på cybersäkerhet att bli en av CE-märkningen. Kraven införs som en del av CRA-förordningen (Cyber Resilience Act). En av de största förändringarna berör routertillverkarens underhållsåtagande. Tillverkaren kan inte längre sälja en router och strunta i att hålla den säker. För det första måste tillverkaren veta vilka komponenter som mjukvaran består av så att routern släpps utan några kända sårbarheter. För det andra måste tillverkaren åtgärda upptäckta sårbarheter i minst fem år. För det tredje måste köparen informeras om hur länge tillverkaren garanterar underhållet. CRA-förordningen kräver också att produkterna designas och konfigureras med cybersäkerheten i åtanke. Routrar ska skeppas med säkra standardinställningar och utan onödigt exponerade tjänster. På andra sidan Atlanten sker samtidigt stora förändringar. FCC har slutat godkänna nya konsumentroutermodeller som tillverkas utanför USA. Problemet är att nästintill inga routrar tillverkas i USA. FCC har därför skapat en undantagslista för routermodeller som får säljas i USA trots att de tillverkas i andra länder. I veckans podd pratar Peter och Nikka om förändringarna som sker på routerfronten. Nikka lyfter bland annat problematiken med att USA vill införa förbud mot firmware-uppdateringar av redan sålda routrar från utländska tillverkare. Firmware-uppdateringar är en av de viktigaste åtgärderna för att hålla routrar säkra. Därom instämmer den amerikanska cybersäkerhetsmyndigheten Cisa som lägger firmware-uppdateringar högst upp på sin lista över rekommenderade cybersäkerhetsåtgärder i hemnätverk. Se fullständiga shownotes på https://go.nikkasystems.com/podd354.

Legally Speaking with Michael Mulligan
When Poker Winnings Become Taxable

Legally Speaking with Michael Mulligan

Play Episode Listen Later Jun 4, 2026 22:57 Transcription Available


A million-dollar poker run sounds like the ultimate loophole, until the CRA decides it looks like a job. We talk with criminal defence lawyer Michael Mulligan about a Supreme Court of Canada leave decision that leaves standing a key ruling on poker winnings and Canadian income tax, and the real lesson it carries for anyone who treats gambling like a serious side hustle or a full-time living. We get into why most gambling winnings in Canada are generally tax-free under the Income Tax Act, then zero in on the exception: when the activity becomes business income. Hours spent, strategy, risk management, consistent profits, and relying on poker as your main source of income can all push you over the line. And if it's business income, it can cut both ways, because deductions for losses and expenses may be available just like any other business. Then we shift to a topic that frustrates the public and the courts alike: criminal cases that take too long. We unpack Jordan's hard timelines under Charter section 11(b), what counts as delay, and how the Supreme Court now treats “exceptionally complex” prosecutions with many accused and mountains of disclosure. If you care about Canadian law, taxes, and how court decisions affect everyday choices, hit subscribe, share this with a friend, and leave us a review. What do you think should count as “work” when luck is involved?Follow this link for a transcript of the show and links to the cases discussed.

Not Alone
Exploitation Justice and Survivor Advocacy Cassandra Harvey's Powerful Story#short #advocates #hope

Not Alone

Play Episode Listen Later Jun 4, 2026 48:29


This episode is an absolute must-share! This is a conversation with Cassandra Harvey who shares about growing up in the foster care system, being ignored while telling social workers abuse was taking place, exploitation, human trafficking, financial debt in her name by the traffickers and the CRA did not want to address this issue. Today she has spoken to over 500,000 people about her story, she is a Victims Advocate at a law firm in Toronto and working towards her law degree while raising children. Please go to her website and learn all you can and donate to her good work! Please share this one with your local politicians, community organizations, school staff and leadership. https://www.cassandraharvey.orghttps://www.cassandraharvey.org/accoladeshttps://www.cassandraharvey.org/bloghttps://www.cassandraharvey.org/new-page-1https://stories.td.com/ca/en/article/cassandra-harvey-reclaim-programWatch for more incredible podcasts coming out soon! Jessa❤️

Canadian Wealth Secrets
Ontario Corporate Tax Rate Drops to 11.2%—So Why Are Business Owners Worse Off?

Canadian Wealth Secrets

Play Episode Listen Later Jun 3, 2026 26:28


Ready to take a deep dive and learn how to generate personal tax-free cash flow from your corporation? Enroll in our FREE masterclass here and book a call hereIs Ontario's small business tax cut actually saving you money—or just shifting the tax bill somewhere else?A lower corporate income tax rate sounds like a win for business owners, especially when headlines make the cut look dramatic. But if you eventually need to pull retained earnings out of your corporation, the personal tax side matters just as much as the corporate savings. This episode breaks down what the change really means, why the “savings” may not be as generous as they appear, and how business owners should think more strategically about salary, dividends, and retained earnings.You'll walk away with:A clearer understanding of how Ontario's small business tax cut affects active corporate income.The round-trip math behind saving tax inside the corporation versus paying more when dividends come out personally.Key planning questions to consider around retained earnings, passive income, salary, dividends, and long-term tax efficiency.Press play now to understand whether this tax change helps your business—or quietly creates a bigger planning problem down the road.Discover which phase of wealth creation you are in. Take our quick assessment and you'll receive a custom wealth-building pathway that matches your phase and learn our CRA compliant tax optimized strategies. Take that assessment here.Canadian Wealth Secrets Show Notes Page:Consider reaching out to Kyle if you've been……taking a salary with a goal of stuffing RRSPs;…investing inside your corporation without a passive income tax minimization strategy;…letting a large sum of liquid assets sit in low interest earning savings accounts;…investing corporate dollars into GICs, dividend stocks/funds, or other investments attracting corporate passive income taxes at greater than 50%; or,…wondering whether your current corporate wealth management strategy is optimal for your specific situation.For Canadian entrepreneurs, building a strong Canadian wealth plan starts with understanding how small business taxin Ontario, a corporate tax cut, dividend tax, and personal vs corporate tax planning can impact long-term decisions around tax planning, business strategy, and wealth management. Whether your goal is financial freedom Canada, financial independence Canada, or an early retirement strategy, the right approach may include corporate wealth planning, salary vs dividends Canada, RRSP optimization, optimizing RRSP room, tax-efficient investing, passive income planning, and smart corporation investment strategies. For business owners pursuing modest lifestyle wealth, legacy planning Canada, and building long-term wealth Canada, it's important to align financial buckets, an investment bucket strategy, financial vision setting, retirement planning tools, and financial systems for entrepreneurs with practical Canadian tax strategies, business owner tax savings, capital gains strategy, and corporate structure optimization. From real estate investing Canada and real estate vs renting to financial diversification Canada, passive income, and estate planning Canada, the best wealth building strategies Canadahelp connect today's cash flow decisions with tomorrow's freedom, security, and family legacy.Ready to connect? Text us your comment including your phone number for a response! If you listen to podcasts like The Rational Reminder with Ben Felix & Cameron Passmore, The Canadian Investor, The Canadian Real Estate Investor, Build Wealth Canada with Kornel Szrejber, ChooseFI with Jonathan Mendonsa & Brad Barrett, Afford Anything with Paula Pant, The Ramsey Show with Dave Ramsey, BiggerPockets Money, The Money Guy Show with Brian Preston & Bo Hanson, Invest Like the Best with Patrick O'Shaughnessy, Masters in Business with Barry Ritholtz, The Wealthy Barber Podcast with David Chilton, Financial Audit with Caleb Hammer, In the Money with Amber Kanwar, The Loonie Hour with Steve Saretsky, or More Money Podcast with Jessica Moorhouse — we're confident you'll enjoy Canadian Wealth Secrets too.Canadian Wealth Secrets is an informative podcast that digs into the intricacies of building a robust portfolio, maximizing dividend returns, the nuances of real estate investment, and the complexities of business finance, while offering expert advice on wealth management, navigating capital gains tax, and understanding the role of financial institutions in personal finance.

Snowbirds US Expats Radio Podcast
Episode 88: The Hidden Tax Shock: Selling Your US Property as a Canadian

Snowbirds US Expats Radio Podcast

Play Episode Listen Later Jun 2, 2026 30:57


If you bought a place in Arizona or Maui twenty years ago and never thought about what happens to it when you sell, or when you die, could it already be too late to avoid a tax shock you never saw coming?This week Gerry sits down with Robert M. Clegg, JD, LL.M, of CanadAmerican Tax Services, a dual Canadian and US cross-border tax specialist based on Vancouver Island, to walk through what really happens when a Canadian sells US real estate. From FIRPTA withholding and ITIN requirements to the currency trap and the long road of selling a property after an owner has died, this is the conversation to have before you let a realtor put the sign on the lawn.What You'll Learn in This Episode- Why your first call should be to a cross-border accountant, not the realtor, and how that single move takes the hidden tax shock off the table before the sign ever goes up- FIRPTA explained: how 10 to 15 percent of your gross sale price gets withheld up front, why California and Hawaii add their own layer on top, and why Arizona, Texas, and Nevada do not- Why each non-resident Canadian spouse must file a separate 1040NR with their own ITIN, and how escrow companies routinely get this wrong by issuing one withholding slip under a single number- The currency trap: how a weak Canadian dollar can turn a 700,000 US gain into a far bigger Canadian one, and why you need the exchange rate at purchase, at sale, and at every renovation- How the foreign tax credit stops you from being taxed twice, why only half your gain is taxable in Canada, and roughly what is left to pay the CRA once the US tax is credited- Why the 1031 like-kind exchange your realtor keeps recommending simply does not work for Canadians- What changes when parents pass away still owning the property, from the US estate return on assets over 60,000 to a clearance certificate that can take two to three years before you can sellResources & LinksRobert M. Clegg, JD, LL.M, CanadAmerican Tax Services: canadamericantax.comFIRPTA Canada, Calgary-based FIRPTA specialists: firptacanada.comTrack your days across the border with DayTracker: snowbirdsusdaytracker.comCanadians Heading South - Buy the Book: https://a.co/d/01Ryf45ZNote: the forms, thresholds, and rates discussed are general and reflect the conversation as recorded. Confirm your own situation with a cross-border tax professional and your Canadian accountant before selling.

Canadian Wealth Secrets
The Passive Income Mistake You Need To Avoid as a Canadian Business Owner

Canadian Wealth Secrets

Play Episode Listen Later May 27, 2026 43:12


Ready to take a deep dive and learn how to generate personal tax-free cash flow from your corporation? Enroll in our FREE masterclass here and book a call hereAre your corporate retained earnings really worth what you think they are once they finally reach your family's hands?If you've built up cash inside your corporation or holding company, it can feel like that money is fully part of your net worth. But once passive income taxes, dividend taxes, and the small business deduction grind come into play, the number on paper can look very different from what actually lands in your personal pocket. This episode helps incorporated business owners rethink retained earnings not just as “money in the corporation,” but as dollars that need a smart path to eventually reach human hands.You'll walk away with:A clearer understanding of why passive income inside a corporation can trigger heavy tax drag and reduce access to the small business tax rate.A practical way to compare income-producing investments versus capital-appreciating assets inside a corporate structure.Insight into how strategies like the capital dividend account and corporate-owned life insurance may support tax-efficient cash flow, legacy planning, and long-term wealth transfer.Press play now to learn how to think more strategically about retained earnings, corporate investing, and getting more of your business wealth into your family's hands.Discover which phase of wealth creation you are in. Take our quick assessment and you'll receive a custom wealth-building pathway that matches your phase and learn our CRA compliant tax optimized strategies. Take that assessment here.Canadian Wealth Secrets Show Notes Page:Consider reaching out to Kyle if you've been……taking a salary with a goal of stuffing RRSPs;…investing inside your corporation without a passive income tax minimization strategy;…letting a large sum of liquid assets sit in low interest earning savings accounts;…investing corporate dollars into GICs, dividend stocks/funds, or other investments attracting corporate passive income taxes at greater than 50%; or,…wondering whether your current corporate wealth management strategy is optimal for your specific situation.A strong Canadian wealth plan for incorporated business owners starts with understanding corporate retained earnings Canada, retained earnings tax, and the difference between personal vs corporate tax planning so you can make smarter decisions around salary vs dividends Canada, RRSP optimization, optimizing RRSP room, and long-term corporate wealth planning. For Canadian entrepreneur finance, the goal is often financial freedom Canada, financial independence Canada, or an early retirement strategy built around modest lifestyle wealth, financial buckets, an investment bucket strategy, and practical retirement planning tools. Whether you are comparing real estate investing Canada, real estate vs renting, holding company investments, or other corporation investment strategies, the right approach should consider passive income corporation Canada, passive income planning, the small business deduction grind, capital gains strategy, the capital dividend account, corporate-owned life insurance, and broader Canadian tax strategies. With thoughtful corporate structure optimization, tax-efficient investing, business owner tax savings, financial systems for entrepreneurs, and financial diversification Canada, Canadian business owners can create stronger wealth building strategies Canada, support building long-term wealth Canada, clarify their financial vision setting, and strengthen legacy planning Canada and estate planning Canada through a more intentional corporate wealth strategy.Ready to connect? Text us your comment including your phone number for a response!If you listen to podcasts like The Rational Reminder with Ben Felix & Cameron Passmore, The Canadian Investor, The Canadian Real Estate Investor, Build Wealth Canada with Kornel Szrejber, ChooseFI with Jonathan Mendonsa & Brad Barrett, Afford Anything with Paula Pant, The Ramsey Show with Dave Ramsey, BiggerPockets Money, The Money Guy Show with Brian Preston & Bo Hanson, Invest Like the Best with Patrick O'Shaughnessy, Masters in Business with Barry Ritholtz, The Wealthy Barber Podcast with David Chilton, Financial Audit with Caleb Hammer, In the Money with Amber Kanwar, The Loonie Hour with Steve Saretsky, or More Money Podcast with Jessica Moorhouse — we're confident you'll enjoy Canadian Wealth Secrets too.Canadian Wealth Secrets is an informative podcast that digs into the intricacies of building a robust portfolio, maximizing dividend returns, the nuances of real estate investment, and the complexities of business finance, while offering expert advice on wealth management, navigating capital gains tax, and understanding the role of financial institutions in personal finance.

The Compliance 911 Show
CRA: Other Ways in which banks help meet the needs of the community

The Compliance 911 Show

Play Episode Listen Later May 27, 2026 11:44 Transcription Available


This podcast explains that banks can strengthen their CRA exam performance by presenting additional lending activity that examiners may not otherwise consider, beyond the usual focus on small business, small farm, and community development loans. Len Suzio highlights several examples, including technically disqualified small business loans such as asset-based lines of credit, standby letters of credit for contractors, multifamily and small rental property financing reflected in HMDA data, affordable housing units supported by those loans, auto loans that help low-income borrowers access employment, and small business expansion loans that create jobs. The key point is that these activities can help paint a fuller, more favorable picture of how a bank is meeting community credit needs, but to receive consideration, banks must properly geocode the loans, collect relevant data, and ensure the information is reliable. Brought to you by GeoDataVision and M&M Consulting

Making Math Moments That Matter
A Better Approach to Small Group Tier 2 Math Intervention

Making Math Moments That Matter

Play Episode Listen Later May 25, 2026 30:14


Small group instruction is a common part of math classrooms—but when it comes time to actually sit down with a group of students, many teachers are left wondering what they should be doing. Should you reteach the lesson? Provide more practice? Or try something completely different?The answer isn't about creating a whole new lesson. Instead, effective tier 2 instruction is about helping students access the same rigorous math as their peers—but with the right supports in place. By using formative assessment to understand where students are along the concrete, representational, and abstract continuum, teachers can provide targeted scaffolds that move students forward. The key is not lowering expectations, but removing barriers so every student can engage with the learning.In this episode, you'll explore:What tier 2 math instruction should (and shouldn't) look likeWhy small group time isn't about reteaching the same lessonHow to use the CRA (concrete, representational, abstract) model effectivelyWhat it means to provide “access” to grade-level mathHow to decide when students are ready to move onThe role of high-quality instructional materials and manipulativesIf you've ever wondered what to actually do during small group time in math, this episode will give you a clear and practical way to support students without lowering expectations.We built a simple Math Coherence Compass to help district and school leaders make aligned decisions around math—without adding another initiative. Get your free copy and training here https://makemathmoments.com/compass/Not sure what matters most when designing math improvement plans? Take this assessment and get a free customized report: https://makemathmoments.com/grow/ Math coordinators and leaders – Ready to design your math improvement plan with guidance, support and using structure? Learn how to follow our 4 stage process. https://growyourmathprogram.com Looking to supplement your curriculum with problem-based lessons and units? Make Math Moments Problem Based Lessons & Units Show Notes PageLove the show? Text us your big takeaway!Empower Your Students (and Teachers) Using A Professional Learning PlanThat Sparks Engagement, Fuels Deep Learning, and Ignites Action! Book a time to chat with our team to see how we can help you achieve your math goals! https://makemathmoments.com/plan/Are you wondering how to create K-12 math lesson plans that leave students so engaged they don't want to stop exploring your math curriculum when the bell rings? In their podcast, Kyle Pearce and Jon Orr—founders of MakeMathMoments.com—share over 19 years of experience inspiring K-12 math students, teachers, and district leaders with effective math activities, engaging resources, and innovative math leadership strategies. Through a 6-step framework, they guide K-12 classroom teachers and district math coordinators on building a strong, balanced math program that grows student and teacher impact. Each week, gain fresh ideas, feedback, and practical strategies to feel more confident and motivate students to see the beauty in math. Start making math moments today by listening to Episode #139: "Making Math Moments From Day 1 to 180.

The Syneos Health Podcast
Site Realities Series | Building Trust at the Site Level: The CRA as Ambassador and Partner

The Syneos Health Podcast

Play Episode Listen Later May 22, 2026 25:29


In this episode of the Site Realities series, Tammy D'Lugin-Monroe sits down with Przemeslaw Wziatek, Country Head for Poland and Ukraine within Clinical Operations at Syneos Health, to explore how relationships between Clinical Research Associates (CRAs) and Clinical Sites are evolving in today's increasingly complex research environment. As competition for high-performing sites intensifies, strong partnerships have become more important than ever. Tammy and Przemeslaw discuss what sites truly expect from CRO partners, why the CRA role has evolved beyond monitoring into that of an ambassador and problem solver, and how trust is built through responsive, thoughtful communication. Together, they examine the realities sites face every day, from balancing patient care alongside multiple studies to navigating increasing operational complexity and technology demands. The conversation also explores how CROs can better align with site priorities, reduce communication friction and create stronger long-term partnerships that ultimately support study success and improve the patient experience.The views expressed in this podcast belong solely to the speakers and do not represent those of their organization.  If you want access to more future-focused, actionable insights to help biopharmaceutical companies better execute and succeed in a constantly evolving environment, visit the Syneos Health Insights Hub. The perspectives you'll find there are driven by dynamic research and crafted by subject matter experts focused on real answers to help guide decision-making and investment. You can find it all at https://www.syneoshealth.com/insights-hub. Like what you're hearing? Be sure to rate and review us!  We want to hear from you! If there's a topic you'd like us to cover on a future episode, contact us at podcast@syneoshealth.com. 

Paul's Security Weekly
FCC, Github, MiniShai-hulud, Stated of Supply Chain, Itron, CRA, NIS2, and more!! - PSW #927

Paul's Security Weekly

Play Episode Listen Later May 21, 2026 122:28


In the security news this week: FCC router bans and the hidden firmware update problem Why extending support timelines actually improves security Github supply chain concerns and the evolving SBOM ecosystem CRA and NIS2 compliance deadlines are getting very real The EU Cyber Resilience Act's 24-hour vulnerability disclosure requirement Security regulation: vertical vs horizontal compliance models Vehicle-to-load EV systems powering homes during outages Solar, batteries, AI farms, and the future economics of electricity Data centers consuming regional power grids BitLocker “Yellow Key” fallout and large-scale remediation challenges AI-generated PowerShell fixes and the rise of vibe scripting Linux kernel exploits, module jail, and default deny strategies Medical biometric data theft and why fingerprints are terrible passwords Interpol cybercrime operations across the MENA region OT security, connected vehicles, and accepting real-world risk The crew also discusses threat intelligence obligations under the CRA, the operational realities of patching at enterprise scale, the economics of secure-by-default systems, and why making security cheaper than insecurity might finally move the industry forward. Visit https://www.securityweekly.com/psw for all the latest episodes! Show Notes: https://securityweekly.com/psw-927

Paul's Security Weekly TV
FCC, Github, MiniShai-hulud, Stated of Supply Chain, Itron, CRA, NIS2, and more!! - PSW #927

Paul's Security Weekly TV

Play Episode Listen Later May 21, 2026 122:28


In the security news this week: FCC router bans and the hidden firmware update problem Why extending support timelines actually improves security Github supply chain concerns and the evolving SBOM ecosystem CRA and NIS2 compliance deadlines are getting very real The EU Cyber Resilience Act's 24-hour vulnerability disclosure requirement Security regulation: vertical vs horizontal compliance models Vehicle-to-load EV systems powering homes during outages Solar, batteries, AI farms, and the future economics of electricity Data centers consuming regional power grids BitLocker "Yellow Key" fallout and large-scale remediation challenges AI-generated PowerShell fixes and the rise of vibe scripting Linux kernel exploits, module jail, and default deny strategies Medical biometric data theft and why fingerprints are terrible passwords Interpol cybercrime operations across the MENA region OT security, connected vehicles, and accepting real-world risk The crew also discusses threat intelligence obligations under the CRA, the operational realities of patching at enterprise scale, the economics of secure-by-default systems, and why making security cheaper than insecurity might finally move the industry forward. Show Notes: https://securityweekly.com/psw-927

Paul's Security Weekly (Podcast-Only)
FCC, Github, MiniShai-hulud, Stated of Supply Chain, Itron, CRA, NIS2, and more!! - PSW #927

Paul's Security Weekly (Podcast-Only)

Play Episode Listen Later May 21, 2026 122:28


In the security news this week: FCC router bans and the hidden firmware update problem Why extending support timelines actually improves security Github supply chain concerns and the evolving SBOM ecosystem CRA and NIS2 compliance deadlines are getting very real The EU Cyber Resilience Act's 24-hour vulnerability disclosure requirement Security regulation: vertical vs horizontal compliance models Vehicle-to-load EV systems powering homes during outages Solar, batteries, AI farms, and the future economics of electricity Data centers consuming regional power grids BitLocker "Yellow Key" fallout and large-scale remediation challenges AI-generated PowerShell fixes and the rise of vibe scripting Linux kernel exploits, module jail, and default deny strategies Medical biometric data theft and why fingerprints are terrible passwords Interpol cybercrime operations across the MENA region OT security, connected vehicles, and accepting real-world risk The crew also discusses threat intelligence obligations under the CRA, the operational realities of patching at enterprise scale, the economics of secure-by-default systems, and why making security cheaper than insecurity might finally move the industry forward. Visit https://www.securityweekly.com/psw for all the latest episodes! Show Notes: https://securityweekly.com/psw-927

Paul's Security Weekly (Video-Only)
FCC, Github, MiniShai-hulud, Stated of Supply Chain, Itron, CRA, NIS2, and more!! - PSW #927

Paul's Security Weekly (Video-Only)

Play Episode Listen Later May 21, 2026 122:28


In the security news this week: FCC router bans and the hidden firmware update problem Why extending support timelines actually improves security Github supply chain concerns and the evolving SBOM ecosystem CRA and NIS2 compliance deadlines are getting very real The EU Cyber Resilience Act's 24-hour vulnerability disclosure requirement Security regulation: vertical vs horizontal compliance models Vehicle-to-load EV systems powering homes during outages Solar, batteries, AI farms, and the future economics of electricity Data centers consuming regional power grids BitLocker "Yellow Key" fallout and large-scale remediation challenges AI-generated PowerShell fixes and the rise of vibe scripting Linux kernel exploits, module jail, and default deny strategies Medical biometric data theft and why fingerprints are terrible passwords Interpol cybercrime operations across the MENA region OT security, connected vehicles, and accepting real-world risk The crew also discusses threat intelligence obligations under the CRA, the operational realities of patching at enterprise scale, the economics of secure-by-default systems, and why making security cheaper than insecurity might finally move the industry forward. Show Notes: https://securityweekly.com/psw-927

Canadian Wealth Secrets
The Smith Manoeuvre vs. Cash Damming: What Canadian Investors Need to Know

Canadian Wealth Secrets

Play Episode Listen Later May 20, 2026 33:51


Ready to take a deep dive and learn how to generate personal tax-free cash flow from your corporation? Enroll in our FREE masterclass here and book a call hereAre you chasing a tax-saving strategy that sounds smart—but may not be the biggest financial opportunity in front of you?In this episode, Jon Orr and Kyle Pearce unpack a real-world Canadian wealth planning scenario involving rental properties, cash damming, the Smith Manoeuvre, a primary residence mortgage, and retained earnings inside a corporation. While strategies like cash damming can create tax-deductible interest, the episode challenges listeners to step back and ask whether the time, complexity, and bookkeeping are actually worth the payoff right now. For business owners and real estate investors, the bigger win may come from identifying the highest-impact planning opportunity before getting lost in the weeds of smaller optimizations.You'll walk away with:A clearer understanding of how cash damming fits within the Smith Manoeuvre and why the purpose of borrowed funds matters.A practical way to think through whether a tax deduction is meaningful enough to justify the effort.A reminder to compare small tax-saving moves against larger planning opportunities, especially when corporate retained earnings and future tax exposure are involved.Press play now to learn how to spot the difference between a clever financial tactic and the strategy that may matter most.Discover which phase of wealth creation you are in. Take our quick assessment and you'll receive a custom wealth-building pathway that matches your phase and learn our CRA compliant tax optimized strategies. Take that assessment here.Canadian Wealth Secrets Show Notes Page:Consider reaching out to Kyle if you've been……taking a salary with a goal of stuffing RRSPs;…investing inside your corporation without a passive income tax minimization strategy;…letting a large sum of liquid assets sit in low interest earning savings accounts;…investing corporate dollars into GICs, dividend stocks/funds, or other investments attracting corporate passive income taxes at greater than 50%; or,…wondering whether your current corporate wealth management strategy is optimal for your specific situation.Cash Damming and the Smith Manoeuvre are popular Canadian tax strategies, but the real question for Canadian investors, entrepreneurs, and business owners is whether these moves fit into a bigger Canadian wealth plan. In this episode of Canadian Wealth Secrets, we explore how Tax Planning Canada, Rental Properties, HELOC Strategy, and Canadian Real Estate Investing can work together with Corporate Wealth Planning, Retained Earnings, and Business Owner Tax Strategy to support long-term goals like financial freedom Canada, early retirement strategy, passive income planning, and financial independence Canada. For incorporated professionals, the conversation goes beyond real estate investing Canada and looks at salary vs dividends Canada, personal vs corporate tax planning, corporation investment strategies, corporate structure optimization, business owner tax savings, and tax-efficient investing. You'll also hear why modest lifestyle wealth, RRSP optimization, optimizing RRSP room, financial buckets, investment bucket strategy, capital gains strategy, estate planning Canada, legacy planning Canada, and financial vision setting all matter when building long-term wealth Canada. Whether you're comparing real estate vs renting, planning for retirement, exploring retirement planning tools, improving financial systems for entrepreneurs, or seeking better financial diversification Canada, this episode helps you focus on wealth building strategies Canada that align with your lifestyle, tax situation, and future goals.Ready to connect? Text us your comment including your phone number for a response!If you listen to podcasts like The Rational Reminder with Ben Felix & Cameron Passmore, The Canadian Investor, The Canadian Real Estate Investor, Build Wealth Canada with Kornel Szrejber, ChooseFI with Jonathan Mendonsa & Brad Barrett, Afford Anything with Paula Pant, The Ramsey Show with Dave Ramsey, BiggerPockets Money, The Money Guy Show with Brian Preston & Bo Hanson, Invest Like the Best with Patrick O'Shaughnessy, Masters in Business with Barry Ritholtz, The Wealthy Barber Podcast with David Chilton, Financial Audit with Caleb Hammer, In the Money with Amber Kanwar, The Loonie Hour with Steve Saretsky, or More Money Podcast with Jessica Moorhouse — we're confident you'll enjoy Canadian Wealth Secrets too.Canadian Wealth Secrets is an informative podcast that digs into the intricacies of building a robust portfolio, maximizing dividend returns, the nuances of real estate investment, and the complexities of business finance, while offering expert advice on wealth management, navigating capital gains tax, and understanding the role of financial institutions in personal finance.

Race Time Radio
Weekend Racing Updates with Fellow Canadians - Lapcevich Costa Smith Fitzpatrick + US - Trent Stephens

Race Time Radio

Play Episode Listen Later May 18, 2026 122:30


This broadcast aired Live: Sunday May 17th 2026 With Your Race Time Radio Host: Joe Chisholm Watch Now on YouTube - RaceTimeRadioTV Link:  https://www.youtube.com/watch?v=oy6--ahGa34 Featuring: - Treyten Lapcevich won the CRA pro event at Owosso Speedway - Trent Stephens No.19 won the ISMA Modified season opener at Flamboro Speedway - Jesse Costa won the Dirt Crate Sprint season opener at Ohsweken Speedway - Brady Smith No.39 wins the Pro Late Model Series Event at Delaware - JR Fitzpatrick No.16 Outlaw Super Late Model wild ride at Owosso Speedway - Congratulations to Connor James No.33 wins the Ontario Sportsman Series Season Opener at Delaware - Congratulations to Gary Klutt winner of NASCAR Canada Series event at Canadian Tire Motorsports Park Plus more short track Canadian racing news Watch RTR: https://www.youtube.com/@racetimeradiotv/streams X: https://x.com/Racetimeradio Web: https://racetimeradio.com/  Contact: joe@racetimeradio.com #CanadianRaceCarCompetitors #CanadianMotorsportsRacingUpdates #RaceWeekend

Canadian Wealth Secrets
Ultimate RRSP / RRIF Meltdown Strategies to Pay Zero Tax in Canada

Canadian Wealth Secrets

Play Episode Listen Later May 13, 2026 24:40


Ready to take a deep dive and learn how to generate personal tax-free cash flow from your corporation? Enroll in our FREE masterclass here and book a call hereCould your RRSP become one of your biggest future tax problems—and is there a smarter way to unwind it?Many Canadians spend decades building RRSP wealth, only to discover later that RRIF withdrawals can trigger a much larger tax bill than expected. This episode breaks down why the real issue is not the RRSP itself, but the lack of a coordinated system for withdrawals, deductions, leverage, and retirement cash flow. You'll hear how tax-efficient planning can begin well before retirement, especially for high-income Canadians, incorporated business owners, and anyone trying to preserve more of what they've built. In this episode, you'll learn:How RRSPs and RRIFs really differ—and why converting strategically can create more control over income, liquidity, and tax timing.What a true RRIF meltdown strategy involves, including how investment loan interest deductions can help offset taxable RRIF income.How self-made dividends and capital gains planning can support retirement cash flow while reducing reliance on fully taxable income sources.Press play now to learn how a more intentional RRSP and RRIF strategy could help you reduce future tax drag and create more flexibility in retirement.Discover which phase of wealth creation you are in. Take our quick assessment and you'll receive a custom wealth-building pathway that matches your phase and learn our CRA compliant tax optimized strategies. Take that assessment here.Canadian Wealth Secrets Show Notes Page:Consider reaching out to Kyle if you've been……taking a salary with a goal of stuffing RRSPs;…investing inside your corporation without a passive income tax minimization strategy;…letting a large sum of liquid assets Ready to connect? Text us your comment including your phone number for a response!If you listen to podcasts like The Rational Reminder with Ben Felix & Cameron Passmore, The Canadian Investor, The Canadian Real Estate Investor, Build Wealth Canada with Kornel Szrejber, ChooseFI with Jonathan Mendonsa & Brad Barrett, Afford Anything with Paula Pant, The Ramsey Show with Dave Ramsey, BiggerPockets Money, The Money Guy Show with Brian Preston & Bo Hanson, Invest Like the Best with Patrick O'Shaughnessy, Masters in Business with Barry Ritholtz, The Wealthy Barber Podcast with David Chilton, Financial Audit with Caleb Hammer, In the Money with Amber Kanwar, The Loonie Hour with Steve Saretsky, or More Money Podcast with Jessica Moorhouse — we're confident you'll enjoy Canadian Wealth Secrets too.Canadian Wealth Secrets is an informative podcast that digs into the intricacies of building a robust portfolio, maximizing dividend returns, the nuances of real estate investment, and the complexities of business finance, while offering expert advice on wealth management, navigating capital gains tax, and understanding the role of financial institutions in personal finance.

The Syneos Health Podcast
Site Realities Series | From Monitor to Strategic Partner: The Evolution of the CRA Role

The Syneos Health Podcast

Play Episode Listen Later May 11, 2026 25:23


In this episode of the Syneos Health Podcast: Site Realities series, host Tammy D'Lugin-Monroe and Audra Holleman, Head, Country Operations, Americas at Syneos Health explore the evolving role of the clinical research associate (CRA)—and why it matters more than ever. From shifting expectations around site relationships to the growing impact of technology and AI, the conversation highlights how CRAs are moving beyond transactional monitoring to become trusted partners, problem solvers and scientific advisors. Together, they unpack what sites and customers value most—responsiveness, continuity and deep expertise—and how an outcomes-based approach is reshaping CRA success. The episode also looks ahead, examining how innovation is freeing CRAs to focus on what drives real impact: strengthening site partnerships, improving patient experiences and accelerating study delivery.The views expressed in this podcast belong solely to the speakers and do not represent those of their organization.  If you want access to more future-focused, actionable insights to help biopharmaceutical companies better execute and succeed in a constantly evolving environment, visit the Syneos Health Insights Hub. The perspectives you'll find there are driven by dynamic research and crafted by subject matter experts focused on real answers to help guide decision-making and investment. You can find it all at https://www.syneoshealth.com/insights-hub. Like what you're hearing? Be sure to rate and review us!  We want to hear from you! If there's a topic you'd like us to cover on a future episode, contact us at podcast@syneoshealth.com. 

Tech Talk with Alan Perry
Tech Talk – May 9, 2026

Tech Talk with Alan Perry

Play Episode Listen Later May 9, 2026 91:04


Alan Perry is joined by Charles Martin to discuss the latest tech news and security alerts, including the return of the Rogers “free iPad” scam, Estée Lauder and CRA data breach settlements, the Canvas ransomware attack affecting major universities, Europe's new EES travel delays, Bell's controversial new device fee, Telus using AI to alter call-centre accents, upcoming Apple 26.5 updates, AI age-verification tools from Meta, safer child-protection batteries from Energizer, Freedom Mobile and Starlink deals, Apple's education pricing changes, floating AI data centres, and more.

Canadian Wealth Secrets
Let Passive Income Stay Passive. Your Retirement Plan Will Thank You

Canadian Wealth Secrets

Play Episode Listen Later May 6, 2026 15:26


Ready to take a deep dive and learn how to generate personal tax-free cash flow from your corporation? Enroll in our FREE masterclass here and book a call hereAre you spending your best time chasing small financial gains while your biggest opportunity is sitting right in front of you?In this episode, Jon Orr unpacks a simple but powerful question every business owner and investor needs to ask: are the inputs required to reach a goal actually worth the output? Through stories about kite surfing, marathon running, poker, and portfolio management, he explores how easy it is to confuse “I could do this” with “I should do this.”For entrepreneurs especially, the real tension is often between actively growing the business and spending countless hours trying to optimize passive investments. Sometimes the smartest move is not doing more—it is choosing where your time creates the greatest return.You'll walk away with:A clearer way to evaluate whether a goal is worth the time, energy, and commitment it requires.A practical lens for deciding whether your “alpha” comes from your investment portfolio or your active business.Permission to let passive assets stay passive so you can focus on the areas where your effort creates the biggest payoff.Press play now to rethink where your time is going—and whether the trade-off is truly worth it.

The Compliance 911 Show
CFPB NPR Section 1071 Compliance Dates

The Compliance 911 Show

Play Episode Listen Later May 4, 2026 11:02 Transcription Available


In this episode, Len Suzio and Dean Stockford discuss the CFPB's November 2025 proposed rulemaking on Section 1071 and explain how it could dramatically scale back the current small business lending data-collection requirements. Len highlights the biggest proposed changes, including moving to a single compliance date of January 1, 2028, sharply reducing the number of required data points, raising the reporting threshold from 100 to 1,000 small business loans in each of the prior two years, narrowing the definition of a small business from $5 million to $1 million in gross annual revenue, and excluding certain products like merchant cash advances, agricultural loans, and transactions of $1,000 or less. He argues that the most significant impact would come not from fewer data fields, but from the much smaller pool of covered lenders and loans, while also warning that the revised definition could create confusion with CRA reporting standards and increase the risk of errors. Brought to you by GeoDataVision and M&M Consulting

Canadian Wealth Secrets
The 5 Investor Personality Types That Determine Your Financial Success in 2026

Canadian Wealth Secrets

Play Episode Listen Later May 1, 2026 12:34


Ready to take a deep dive and learn how to generate personal tax-free cash flow from your corporation? Enroll in our FREE masterclass here and book a call hereWhat if your investment results have less to do with what you own—and more to do with who you become when markets get uncomfortable?Most investors are taught to focus on picking the right stocks, funds, timing, or asset mix. But the real difference-maker is often behavior: how you react to uncertainty, losses, control, and fear. In this episode, you'll explore why two people can hold the same portfolio and still end up with very different outcomes—because their investor personality shapes the decisions they make along the way.You'll walk away with:A clearer understanding of the five investor personality types: the set-it-and-forget-it optimizer, skeptical controller, emotional reactor, confident operator, and security seeker.Insight into how loss aversion, overconfidence, and the urge for certainty can quietly influence your financial decisions.A better way to think about building an investment strategy that fits your real behavior—not just your risk questionnaire score.Press play now to discover which investor personality patterns show up in your financial life—and how to build a strategy you can actually stick with.

@BEERISAC: CPS/ICS Security Podcast Playlist
CE-Kennzeichen für Digitales: Wie der CRA die OT-Schieflage korrigiert | OT Security Made Simple

@BEERISAC: CPS/ICS Security Podcast Playlist

Play Episode Listen Later May 1, 2026 30:47


Podcast: OT Security Made SimpleEpisode: CE-Kennzeichen für Digitales: Wie der CRA die OT-Schieflage korrigiert | OT Security Made SimplePub date: 2026-04-28Get Podcast Transcript →powered by Listen411 - fast audio-to-text and summarization Klaus Mochalski und Sarah Fluchs (admeritia) beleuchten den Cyber Resilience Act. Erfahren Sie, warum der CRA eine historische Schieflage beendet, weshalb Hersteller künftig in der Pflicht sind und wie Betreiber das neue Gesetz als mächtigen Hebel für ihre NIS-2-Compliance nutzen können.Mehr zum Thema OT Security Made simple findet Ihr auf rhebo.com oder schreibt uns mit Euren Ideen, Fragen oder Gastvorschlägen an podcast@rhebo.com.  The podcast and artwork embedded on this page are from Klaus Mochalski, which is the property of its owner and not affiliated with or endorsed by Listen Notes, Inc.

Canadian Wealth Secrets
The Smarter Way to Fund Retirement: The Income Factory Strategy

Canadian Wealth Secrets

Play Episode Listen Later Apr 29, 2026 32:59


Ready to take a deep dive and learn how to generate personal tax-free cash flow from your corporation? Enroll in our FREE masterclass here and book a call hereWhat if your retirement plan depends on selling the very assets you spent decades building?For many business owners and high-net-worth Canadians, “financial freedom” often means reaching a number on paper—but what happens when that number has to be slowly drawn down to fund your lifestyle? This episode challenges the traditional retirement mindset of accumulating a pile of assets, then hoping it lasts long enough. Instead, Jon Orr and Kyle Pearce explore how to think about income, diversification, and portfolio structure in a way that can support more confidence, flexibility, and peace of mind in your financial freedom years.You'll walk away with:A clearer understanding of why relying only on asset sales can feel emotionally risky when funding retirement.A fresh way to think about diversifying not just by asset class, but by strategy and structure for retirement.Insight into how income-focused investing can help create cash flow without constantly shrinking your principal when designing retirement.Press play now to rethink how your portfolio could support your lifestyle without forcing you to sell off the assets you worked so hard to build.

Canadian Wealth Secrets
They Built a Successful Business. Then Their Income Dropped – Here's the System They Were Missing

Canadian Wealth Secrets

Play Episode Listen Later Apr 24, 2026 17:28


Ready to take a deep dive and learn how to generate personal tax-free cash flow from your corporation? Enroll in our FREE masterclass here and book a call hereWhat happens if your main income engine slows down before your backup plan is even moving?If you're building a business, growing retained earnings, or counting on a future exit to fund your freedom, this episode is a timely reality check. Jon Orr and Kyle Pearce unpack why so many Canadian entrepreneurs pour everything into one flywheel—the business or job that funds life today—while neglecting the second flywheel that's supposed to protect them later. This conversation speaks directly to anyone who wants more stability, more options, and less financial stress when business gets unpredictable.In this episode, you'll hear how to:think about wealth in terms of two flywheels: your active income engine and your passive income enginestop relying on a future business sale as the only path to long-term freedomstart building a second flywheel early by allocating profits strategically between safe, liquid assets and longer-term growth assetsPress play now to learn how to build financial momentum that keeps working, even when your first flywheel hits turbulence.

Where Should I Invest? Real Estate Investing
Losing Everything to the CRA: A Cautionary Tale for Investors

Where Should I Invest? Real Estate Investing

Play Episode Listen Later Apr 24, 2026 52:11


In this raw and honest episode, Sarah Larbi sits down with Adam Kitchener, a seasoned investor and former property manager who built a massive career only to see it dismantled by the CRA. Adam shares the devastating chain of events where an audit of a former client led to an investigation into his own finances, ultimately resulting in his bank calling all of his mortgages due. This is a vital conversation for any investor about the importance of corporate structure, the reality of tax audits, and the mental grit required to rebuild from zero. What You Will Learn The Fourplex Sweet Spot: How Adam used residential mortgages to execute perfect BRRRs. The Audit Domino Effect: How being a third party contractor for a troubled firm put Adam in the CRA crosshairs. The Sole Proprietorship Trap: The specific structural mistake that allowed the CRA to target Adam’s personal assets and his family members. Banking Default Realities: Why banks can call a mortgage even if you have never missed a payment. Rebuilding with Grit: How Adam is using his construction expertise to launch Renovation Solutions and move forward. This episode brought to you in part by Dalia Barsoum at Streetwise Mortgages https://streetwisemortgages.com/ Get in touch with Adam Kitchener, Renovation Solutions adamraykitchener@gmail.com Follow on Instagram https://www.instagram.com/renovationsolutionsinc/# Follow on Facebook https://www.facebook.com/profile.php?id=61576545914368# Connect on LinkedIn https://www.linkedin.com/in/adam-k-21a985137/ To work with Sarah Larbi contact at https://sarahlarbi.com/contact/ or sarah@sarahlarbi.com The post Losing Everything to the CRA: A Cautionary Tale for Investors first appeared on Sarah Larbi Developments.

Canadian Wealth Secrets
From Retained Earnings to Tax-Free Cashflow: A Smarter Corporate Wealth Strategy

Canadian Wealth Secrets

Play Episode Listen Later Apr 22, 2026 18:07


Ready to take a deep dive and learn how to generate personal tax-free cash flow from your corporation? Enroll in our FREE masterclass here and book a call hereWant to turn corporate retained earnings into future tax-efficient cash flow without locking your money away?If you are a business owner sitting on retained earnings, you have probably felt the tension between paying personal tax now or leaving money in the corporation and dealing with the tax consequences later. This episode walks through a strategy designed to create more flexibility: using a corporate-owned permanent life insurance policy as a pass-through structure that can support borrowing, asset growth, and long-term estate planning. It is especially relevant if you want more optionality with your money while keeping an eye on taxes, liquidity, and legacy.In this episode, you'll learn how to:Understand how a corporate-owned permanent life insurance policy can help reduce future personal tax friction on retained earnings.See what funding levels like $1 million per year versus $100,000 per year can actually look like in practice, including cash value growth, leverage potential, and policy offset options.Grasp how this structure can support both living benefits now and estate planning advantages later through growing cash value, borrowing flexibility, and tax-efficient death benefit planning.Press play now to see how this strategy can create more control, more flexibility, and a more tax-efficient path for your corporate wealth.

Build Wealth Canada Podcast - Personal Finance Mastery
Is Your Portfolio Safe? The Security Checklist Every Canadian Investor Needs

Build Wealth Canada Podcast - Personal Finance Mastery

Play Episode Listen Later Apr 21, 2026 42:47


As the markets hit all-time highs again, one of the things that has become top of mind for me personally is how to make sure that our investments are actually secure. If you're a long-term passive, total market index investor like me, then you've definitely seen your portfolio grow quite substantially over the years. With this, one begins to wonder: What can be done to ensure the security of those investments? In this case, I'm not talking about the volatility of the investments themselves, but rather how to ensure that our investment and other financial accounts do not get hacked, that someone doesn't destroy our credit score, and that we don't become victims of identity theft, among the many other security threats that exist.  This is especially prevalent in this age of AI, where it is easier than ever for someone to replicate our voice, or have AI crawl the internet to pull personal information about us that can be used to access our sensitive accounts, steal our money, or make critical changes that can cripple our net worth. Especially since it's tax season right now, where we have to be extra diligent due to things like CRA scams, I thought it would be a good idea to do a deep dive on the bases we need to cover from a security standpoint when it comes to our finances. With that, I wanted to bring on an expert who literally works in the security industry day in and day out, to take us through the bases we need to have covered, as well as provide us with some practical solutions, including free and paid tools that we can use to ensure we are not being negligent on the security side of our finances. My guest today is Leigh Tynan. She's been the Director of Online Security at TELUS here in Canada for the past six years. My goal was to have her come on almost like a personal security consultant for you and me, to teach us what bases we need to cover when it comes to our online security here in Canada, and also how and when we should actually use the different security tools out there. I figured in this world of online security, it's one of those cases where we don't know what we don't know. So, it would be valuable to have someone in Canada from the actual security industry come on to give us a checklist of sorts, along with an explanation, so that we can ensure there isn't some component we forgot about, or didn't even know about, that ends up being the avenue through which our private information is leaked or our sensitive financial accounts are compromised. Alright, let's get into the interview. Resources from the Episode: TELUS Online Security (what I've been using) Free Digital Literacy Education Resources from TELUS Wise  

Tech Talk with Alan Perry
Tech Talk – April 18 2026

Tech Talk with Alan Perry

Play Episode Listen Later Apr 18, 2026 89:57


Alan Perry is joined by Gary Beyer, Owner of Tesseract Computers to cover the latest in tech, including Apple iOS 26.4.1 bug-fix updates, scam alerts (parking ticket texts, fake Shaw emails, CRA and DocuSign scams, and bank fraud calls), Apple app update changes, satellite-to-mobile expansion, AI developments, telecom deals, and more. Kathryn Abbott discusses the University of Calgary setting a Guinness World Record for the largest gathering of people dressed as dinosaurs. All this and more.

Canadian Wealth Secrets
Financial Freedom Reverse Engineering: A Guide For Canadians

Canadian Wealth Secrets

Play Episode Listen Later Apr 17, 2026 36:14


Ready to take a deep dive and learn how to generate personal tax-free cash flow from your corporation? Enroll in our FREE masterclass here and book a call hereWhat would it actually take to make work optional by age 50?As a Canadian business owner or investor, If you have a good income, some investments, and a rough number in mind for “financial freedom,” it is easy to assume you are on the right track to financial freedom without ever testing the math. But there is a big difference between a financial goal that sounds safe and a goal that truly fits the life you want. This episode helps you cut through the guesswork so you can stop chasing arbitrary numbers and start building a financial plan that matches your timeline, spending, and priorities.In this episode, you'll learn how to:figure out whether your financial freedom number actually covers the lifestyle you want in the futurereverse-engineer your financial target based on spending, inflation, rate of return, and time horizonseparate your minimum financial goal from your stretch goal so you can grow wealth without losing sight of what matters mostPress play now to build a clearer, more realistic path toward financial freedom without sacrificing the life you want along the way.

Opportunity Zones Podcast
OZ Case Study: One Dallas Neighborhood, 1,000 Units (Episode 380)

Opportunity Zones Podcast

Play Episode Listen Later Apr 15, 2026 42:19


Many OZ developers make a single bet — one deal, one census tract — and hope it works. Barrett Linburg is making a different bet — that concentrating nearly 1,000 units across dozens of deals in a single Dallas neighborhood would let his company control its own destiny and create a flywheel of investment that keeps compounding. Barrett, co-CEO of Savoy Companies, joins Jimmy on-site in Bishop Ridge to discuss the neighborhood concentration thesis, Savoy's vertically integrated platform, and how stacking OZ with CRA equity and the Texas Public Facility Corporation structure transforms project returns. Plus, managing the 2026 OZ inclusion event and what OZ 2.0 permanency means for the program's future. Show notes & summary: https://opportunityzones.com/2026/04/barrett-linburg-380/

Canadian Wealth Secrets
A Smarter Way to Use Retained Earnings Without Triggering a Huge Tax Bill

Canadian Wealth Secrets

Play Episode Listen Later Apr 15, 2026 17:29


Ready to take a deep dive and learn how to generate personal tax-free cash flow from your corporation? Enroll in our FREE masterclass here and book a call hereWant a smarter way to use corporate retained earnings without triggering a massive personal tax hit?If you're a successful incorporated business owner in Canada, you've probably felt the tension between leaving profits trapped in the corporation or pulling them out and losing a huge chunk to tax. This episode explores a different path: using a permanent insurance policy as a strategic pass-through structure so your money can keep working, give you more flexibility, and support both current cash-flow goals and long-term planning.In this episode, you'll learn how to:Turn retained earnings into a tax-efficient asset that can grow inside your corporate structure instead of sitting in taxable passive investments.Create a strategy where the same dollars can support future investing opportunities through leverage, helping your money work in more than one place at once.Build in long-term upside through tax-free death benefit planning and greater flexibility for personal cash flow, estate planning, and eventual extraction strategies.Press play to hear how this corporate strategy can help you keep more of what you've built while expanding your options for the future.

Capital Allocators
[REPLAY] Randall Stutman - Admired Leadership (EP.150)

Capital Allocators

Play Episode Listen Later Apr 13, 2026 64:43


Randall Stutman is founder and co-head of the Leadership Practice at CRA. and the Admired Leadership Institute. Randall is probably the top executive coach that you've never heard of before. He's spent 30 years coaching and learning about the behaviors and routines of extraordinary leaders. To give you a sense, he was worked in the White House and the Olympics, with something like 2,000 senior executives and 400 CEOs, and in our world, the most senior executives at JPMorgan, Goldman Sachs, Morgan Stanley, and Blackstone. Randall is also well known among the titans in the hedge fund community, where he's worked with many of the industry's leading funds. And he's done all of this entirely by word of mouth referral. Randall was one of the first people I asked to come on the show three years ago, and he respectfully declined – at that point in time not wanting share the uncovered behaviors that drive his work. A few months ago, he and his partners launched Admired Leadership, an online course with short videos of 100 behaviors repeated by the most talented CEOs. The course is extraordinary. It's so ridiculously good that I started sharing a link to it in my email signature as a gift to those who don't know about it. Our conversation covers Randall's path to coaching and the coaching process. We cover behaviors common among hedge fund managers, the admired leadership course, and examples across inspiring others, decision making, time management, and elevating performance. We close with Randall's thoughts on behaviors that allocators can identify in their manager research. Learn More Follow Ted on Twitter at @tseides or LinkedIn Subscribe to the mailing list Access Transcript with Premium Membership   Editing and post-production work for this episode was provided by The Podcast Consultant (⁠https://thepodcastconsultant.com⁠)

The Decibel
What you need to know about taxes as the CRA aims to improve

The Decibel

Play Episode Listen Later Apr 13, 2026 21:10


It's tax season again, an often tedious time dreaded by many Canadians. But this tax season could be different. After ongoing concerns around slow and inaccurate responses, the CRA is trying to improve by implementing AI and digital services, for instance. The Globe's personal economics reporter Erica Alini has been looking into how effective these changes have been, and what this means for Canadians. Questions? Comments? Ideas? Email us at thedecibel@globeandmail.com Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Tech Talk with Alan Perry
Tech Talk – April 11 2026

Tech Talk with Alan Perry

Play Episode Listen Later Apr 11, 2026 91:27


Tech Talk – April 11  2026: Alan Perry is joined by Ricky Winter (Tech Experience Manager at London Drugs Tillicum) to cover the latest in tech, including Apple 26.4.1 updates, scam alerts (CRA texts and Facebook account takeovers), Freedom Mobile's latest plans, AI security developments, Kindle Store cutoff news, and Artemis II lunar mission updates, plus Kathryn Abbott highlights the discovery of marine fossils on Mount Everest showing the peak was once an ancient seabed, and more.

Canadian Wealth Secrets
The Micro Habit That Can Build Wealth for Years You Need To Hear

Canadian Wealth Secrets

Play Episode Listen Later Apr 10, 2026 21:27


Ready to take a deep dive and learn how to generate personal tax-free cash flow from your corporation? Enroll in our FREE masterclass here and book a call hereAre you spending too much time trying to optimize your money instead of making the moves that actually build wealth?This episode is for the Canadian business owner who wants to be smarter with taxes, investing, and long-term planning—but also knows how easy it is to get stuck in analysis. Hosts, Jon Orr and Kyle Pearce unpack a powerful mindset shift for the year ahead: stop chasing every tiny optimization and focus on the habits and decisions that create real momentum. If you have ever wondered whether your financial strategy is actually helping—or just distracting you—this conversation will hit home.You'll hear how to create one simple, repeatable money habit that can quietly build wealth over time.You'll learn why increasing income and protecting your focus can matter more than endlessly tweaking tax and investment decisions.You'll also get a practical lens for deciding when to keep managing things yourself and when it may be smarter to systematize or delegate.Press play now to reset your financial focus for the next year and make the moves that matter most.

A Canadian Investing in the U.S. with Glen Sutherland
EP415 Avoid Costly CRA Penalties with These U.S. Tax Filing Rules with Tim Miron

A Canadian Investing in the U.S. with Glen Sutherland

Play Episode Listen Later Apr 9, 2026 17:52


In this episode of Canadian Investing in the US, Glen Sutherland sits down with returning guest Tim Miron, a CPA specializing in cross-border taxation, to uncover two commonly overlooked filing requirements for Canadians investing in U.S. real estate. They break down the importance of filing the T1134 and T1135 forms—often referred to as “Big Brother forms”—which are required to disclose foreign entities and assets to the Canada Revenue Agency (CRA). While these forms don't typically result in additional taxes, failing to file them can lead to significant penalties, making awareness critical for investors operating across borders. The conversation highlights how easily investors can fall into non-compliance, especially when setting up U.S. entities, holding foreign bank accounts, or crossing the $100,000 threshold in foreign investments. Tim explains how the CRA's Voluntary Disclosure Program can help investors correct past mistakes and potentially avoid penalties if they act before being contacted by the government. The episode emphasizes the value of working with experienced professionals to ensure compliance, avoid costly errors, and properly structure cross-border investments from the start.

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Canadian Wealth Secrets
He Wanted to Retire at 55… But His Business Wouldn't Let Him

Canadian Wealth Secrets

Play Episode Listen Later Apr 8, 2026 27:04


Ready to take a deep dive and learn how to generate personal tax-free cash flow from your corporation? Enroll in our FREE masterclass here and book a call hereAre you building a business you can actually step away from—or just creating a job that depends on you forever?If you're a Canadian incorporated business owner thinking about retirement, succession, or a possible exit, this episode digs into the messy middle most people face. What happens when your business creates strong income, but only because you are still carrying so much of the load? You'll hear a real-world discussion about how to start shifting from being the engine of the business to building something more sustainable, valuable, and flexible for your next chapter.In this episode, you'll learn how to:think more clearly about whether your best move is to sell, stay, or gradually step backincrease the value of a business by making it less owner-dependent and more self-sustainingexplore practical transition options like hiring the right operator, profit sharing, and phased ownership over timePress play to hear a smarter way to prepare your business for freedom, flexibility, and a more confident exit.

City Cast Denver
Are Denver Restaurants Really in Crisis? It's Complicated.

City Cast Denver

Play Episode Listen Later Apr 6, 2026 28:03


It feels like every week, another Denver restaurant is closing – Enzo's End Pizzeria served its last slice on Friday, Imperial Chinese shuttered out of the blue after 41 years, and local chain Little India announced it will close its 32nd Ave. and Lowell Blvd. location in the coming months. Is it due to rising food costs? The ongoing concern of high rents? Or, is it the price of labor? Last month's 2025 State of Denver Restaurants Report points to the city's rising tipped minimum wage as a major issue for restaurants, bars, and cafes; Councilman Darrell Watson has even hinted at a plan to address labor costs. But Lindsay Dalton, co-owner of The Weathervane Cafe, disagrees and she's part of a growing chorus of business owners who are pushing back. She joins host Bree Davies to make her case. Lindsay mentioned the city's 2023 minimum wage report and Matthew Fritz-Maur, who runs the Denver Labor division of the Denver Auditor's office and who was on the podcast in 2023 talking about his investigation into wage theft at strip clubs. Weathervane Cafe was previously featured in a New Yorker article last year about President Trump's ‘No Tax on Tips' policy. We reached out to Denver Labor to ask more about Fritz-Maur's critiques of the restaurant report. He was unable for comment, but a spokesperson shared this fact sheet their office has prepared and the following statement about that document: “We compiled it as restaurants have reached out to us with questions about [Colorado Restaurant Association's] information and generally about the tip credit. We have multiple times asked CRA for their source material to support their findings and they have not yet provided it to us. The Auditor's Office and Denver Labor is neutral on the issue of adjusting the tip credit, but we feel it is our responsibility to provide business owners and the public with independent research to make informed decisions.” For even more news from around the city, subscribe to our morning newsletter at denver.citycast.fm. Follow us on Instagram: @citycastdenver Chat with other listeners on reddit: r/CityCastDenver Support City Cast Denver by becoming a member: membership.citycast.fm What do you think about tipping in Denver? Is it out of control? Would Denverites get "sticker shock” from all-inclusive pricing? We want to hear from you! Text or leave us a voicemail with your name and neighborhood, and you might hear it on the show: 720-500-5418 Looking to advertise on City Cast Denver? Check out our options for podcast and newsletter ads at citycast.fm/advertise

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Agri-Pulse Open Mic Interview
Agri-Pulse Open Mic: John Bode -Corn Refiners Association

Agri-Pulse Open Mic Interview

Play Episode Listen Later Apr 5, 2026 23:20


This week's Open Mic guest is John Bode, President and CEO of the Corn Refiners Association. The annual "Feeding the Economy Report" was recently released, indicating the food and agriculture sector contributes over $10 trillion to the nation's economy and provides over 49 million jobs. Bode discusses the opportunities and challenges presented by the recent Dietary Guidelines and by the MAHA Commission. He says CRA members support free trade and hope for a successful review of the USMCA trade agreement. 

Debt Free in 30
605 – Owe CRA Tax Debt? The Biggest Loan Mistake Canadians Make

Debt Free in 30

Play Episode Listen Later Apr 4, 2026 30:23


Owing money to the CRA can feel urgent, and taking out a loan might seem like the fastest way to fix it. But in many cases, it can make your situation worse. Doug Hoyes and Ted Michalos break down when borrowing to pay off tax debt might work, and when it creates bigger financial risk. From self-employed Canadians stuck in a cycle of owing taxes every year, to homeowners refinancing and increasing long-term pressure, this conversation walks through the real consequences of using a loan to solve CRA debt. You'll also learn: Why CRA debt feels more serious than other debt What steps to take before considering a loan How CRA payment plans work When a consumer proposal may be the better option If your tax bill feels overwhelming, this will help you understand your options and avoid common mistakes.

Canadian Wealth Secrets
DIY Investing vs. Financial Advisor: What's Really Costing You More?

Canadian Wealth Secrets

Play Episode Listen Later Apr 3, 2026 28:14


Ready to take a deep dive and learn how to generate personal tax-free cash flow from your corporation? Enroll in our FREE masterclass here and book a call hereIs paying 1% for investment management a waste of money—or the exact support that could protect your wealth?If you've ever wondered whether you should keep investing on your own or hand the reins to an advisor, this episode gets right to the heart of that tension. It speaks to the very real struggle between wanting to minimize fees and wanting more confidence, better decision-making, and less stress when markets get shaky. Whether you're early in your investing journey or getting closer to financial freedom, this conversation helps you think beyond simple math and make a choice that actually fits how you operate.You'll walk away with:A clearer way to decide whether DIY investing or professional management fits your personality, habits, and goalsA better understanding of what you're really paying for with a 1% fee, including coaching, accountability, peace of mind, and complexity managementA practical lens for comparing options using time, behavior, and risk-adjusted returns—not just headline performance numbersPress play now to figure out whether paying for investment management is costing you too much—or saving you from bigger mistakes.

The Amp Hour Electronics Podcast
#720 – Hyper Growth and OpenClaw Interns

The Amp Hour Electronics Podcast

Play Episode Listen Later Apr 1, 2026 61:27


Canonical (the makers of Ubuntu) acquired Golioth, meaning Chris is moving from a 12-person startup to an organization of over 1,200 people Dave found this chart of Canonical products on wikipedia to be useful An increase in professional travel from zero weeks to six weeks per year following the acquisition, including “sprints” in cities like London The naming convention for Ubuntu releases (Year.Month) and the importance of Long Term Support (LTS) versions for backporting security vulnerabilities Ubuntu Core's role in embedded Linux devices, utilizing an immutable kernel and “snaps” for field update Dave believes he influenced the Emergency Situation Surcharge at DHL after asking why it is still happening Dave's transition to a “Hipster Dave” persona, complete with a secondhand Mac and a goatee The implementation of OpenClaw, a scripting service that interfaces with LLMs to act as an “automated intern” for repetitive administrative tasks Chris really likes this video showing how to use OpenClaw Using OpenClaw to automate forum registration approvals to combat high volumes of bot activity The security implications of AI agents, emphasizing that they should be treated like interns with limited access to sensitive data and separate accounts ARM released its first physical server chip, measuring approximately 70mm, marking a shift from a pure IP company to a hardware competitor. The Super Micro CEO smuggling scandal, where the founder was accused of smuggling $2.5 billion worth of Nvidia chips. The Cyber Resilience Act (CRA) and its requirement for nearly all CE-marked electronic products to be updatable by December 2027. Potential impacts of the CRA on one-time programmable (OTP) devices and the necessity of maintaining firmware support for five years post-product life. SpaceX's plans for a “Terafab” a manufacturing facility ten times larger than a Gigafactory designed to verticalize the entire supply chain from silicon wafers to final packaging. Editor’s note: despite cool tech stuff happening, Elon is…so lame. NASA's cancellation of the Lunar Gateway project in favor of a direct path to establishing a moon base within the next five to seven years. Pop culture recommendations including the series For All Mankind and The Expanse, along with the book Delta V.

Canadian Wealth Secrets
Fixing a $7M Canadian Retirement Plan Gone Wrong

Canadian Wealth Secrets

Play Episode Listen Later Apr 1, 2026 43:46


Ready to take a deep dive and learn how to generate personal tax-free cash flow from your corporation? Enroll in our FREE masterclass here and book a call hereWhat do you do when you've built more wealth than you need—but your success is quietly setting up a massive future tax bill?This episode walks through a real planning scenario that will hit home for many Canadian business owners, entrepreneurs, and investors. You'll hear how one retired entrepreneur did almost everything right—paid off the house, built strong investment buckets, and created lasting financial security—yet still ended up with hidden tax inefficiencies inside a RRIF, personal accounts, and a holding company. If you've ever wondered whether your current structure could create unnecessary drag later, this conversation shows where those problems come from and what can still be done to improve them.You'll learn:How large RRIF balances can create a growing tax problem in retirement, even when you do not need the income.Why asset location matters—especially when comparing TFSAs, non-registered GICs, and corporate investments.How strategies like leveraged investing and corporate-owned whole life insurance may help reduce tax drag, improve estate efficiency, and create more flexibility for future withdrawals.Press play to hear how a “good problem to have” can become a smarter, more tax-efficient wealth plan. Built from your uploaded transcript.

Canadian Wealth Secrets
How to Handle Stock Market Drawdowns Without Ruining Your Retirement Plan

Canadian Wealth Secrets

Play Episode Listen Later Mar 27, 2026 20:10


Ready to take a deep dive and learn how to generate personal tax-free cash flow from your corporation? Enroll in our FREE masterclass here and book a call hereAre market drawdowns making you question your retirement plan—or tempting you to panic when your portfolio drops?When markets pull back, it is easy to feel like everything is suddenly at risk—especially if retirement is getting closer or you are finally starting to build real momentum with your money. This episode digs into the emotional side of investing during uncertain times and shows why drawdowns feel very different depending on your timeline, income needs, and overall strategy. Whether you are a business owner, a salaried employee, or someone trying to make smarter wealth decisions, this conversation helps you think more clearly when volatility hits.In this episode, you'll hear how to:understand the real “cost of admission” that comes with investing in growth assets like index fundstell the difference between risk tolerance and risk capacity so your plan actually matches your stage of lifecreate simple rules and strategies for handling market pullbacks without making emotional decisions you regretPress play now to learn how to stay calm, stay strategic, and make better financial decisions when the market gets shaky.

Making Math Moments That Matter
Tier 2 Math Intervention: How Coaches and Teachers Can Use Small Groups More Effectively

Making Math Moments That Matter

Play Episode Listen Later Mar 16, 2026 26:59


You're teaching math to 34 students. You slow math pacing to support the middle, but you can feel yourself losing students who are ready to move.A listener emailed us after our episode on rigorous Tier 1 math instruction: they don't want to create opportunity gaps by slowing math down—but they also don't know how to actually run small group math instruction after the main lesson. We also connect this to a real conversation with a district math team wrestling with Tier 2 math and Tier 3 math supports.In This Episode, You'll LearnWhy “high/middle/low” labels get in the way of effective math small groupingHow CRA math (concrete–pictorial/representational–abstract) can guide flexible math groups after the lessonWhy CRA in math is not a ladder—and why abstract math isn't automatically the “top group”How to use formative math assessment (including exit tickets) to identify what students need next in mathHow to structure math class so random groups drive discourse, then targeted math groups drive practice and supportA coaching/leadership math move: “live the math work” in a classroom for a full unit before scaling the strategyWhy sustained math coaching support (not one-off math PD) builds coherence in math instruction across a systemIf you're a math leader or math coach, ask: What's one unit where we can co-teach, gather formative math assessment daily, and build CRA-informed math small groups—so we can scale what actually works in real math classrooms?Not sure what matters most when designing math improvement plans? Take this assessment and get a free customized report: https://makemathmoments.com/grow/ Math coordinators and leaders – Ready to design your math improvement plan with guidance, support and using structure? Learn how to follow our 4 stage process. https://growyourmathprogram.com Looking to supplement your curriculum with problem-based lessons and units? Make Math Moments Problem Based Lessons & Units Show Notes PageLove the show? Text us your big takeaway!Get a Customized Math Improvement Plan For Your District.Are you district leader for mathematics? Take the 12 minute assessment and you'll get a free, customized improvement plan to shape and grow the 6 parts of any strong mathematics program.Take the assessmentAre you wondering how to create K-12 math lesson plans that leave students so engaged they don't want to stop exploring your math curriculum when the bell rings? In their podcast, Kyle Pearce and Jon Orr—founders of MakeMathMoments.com—share over 19 years of experience inspiring K-12 math students, teachers, and district leaders with effective math activities, engaging resources, and innovative math leadership strategies. Through a 6-step framework, they guide K-12 classroom teachers and district math coordinators on building a strong, balanced math program that grows student and teacher impact. Each week, gain fresh ideas, feedback, and practical strategies to feel more confident and motivate students to see the beauty in math. Start making math moments today by listening to Episode #139: "Making Math Moments From Day 1 to 180.