Podcasts about crut

Does it make sense for Alex and his wife in Massachusetts to do Roth conversions now to the top of their eventual tax bracket? Steve in San Diego got serious about saving for retirement after Joe and Big Al gave him some tough love 5 years ago. Is he good to retire now, and should he convert to Roth? That's today on Your Money, Your Wealth® podcast number 510 with Joe Anderson, CFP® and Big Al Clopine, CPA. Plus, can Barbara in New Jersey's grandson move excess 529 funds to a Roth and withdraw the money after 5 years? PWare has a cunning plan to gift appreciated stock to avoid capital gains tax, but will it work? Should Mike create a limited liability company for his rental properties? And finally, qualified charitable distributions don't make sense to GetSmart Paul. Sherri in California wonders if her kids can inherit her savings account without any tax penalty, and whether there's a safe, high-yielding investment she should put it in. And Houry in New York wonders if her IRA can fund a charitable remainder unitrust, or CRUT. Access free financial resources and the episode transcript: https://lnk.to/ymyw-510 DOWNLOAD The Complete Roth Papers Package DOWNLOAD The Retirement Readiness Guide WATCH Retirement Pop Quiz: 18 Questions to Get You Ready to Retire on YMYW TV LISTEN to Steve in San Diego's 2019 question Al: "Maybe you gotta live in a trailer somewhere." Joe: "that side hustle, you better be able to do that in a wheelchair." LISTEN to YMYW Podcast Best of 2021, 2022, and 2023 REQUEST: Ask Joe & Big Al for your Retirement Spitball Analysis SCHEDULE: free financial assessment SUBSCRIBE: YMYW on YouTube DOWNLOAD: more free guides READ: financial blogs WATCH: educational videos SUBSCRIBE: YMYW Newsletter Timestamps: 00:00 - Intro: This Week on the YMYW Podcast 01:08 - Should We Do Roth Conversions to Our Eventual Tax Bracket? (Alex, MA) 07:51 - YMYW Tough Love Made Me Get Serious. When Can I Retire? Should I Do Roth Conversions? (Steve, San Diego, CA) 14:11 - Download the Complete Roth Papers Package for free 14:59 - Can Grandson Withdraw 529 Funds From Roth After 5 Years? (Barbara, NJ) 18:37 - Can We Avoid Capital Gains Tax With This Appreciated Stock Gifting Strategy? (P Ware) 20:57 - Should I Create an LLC for Rental Properties? (Mike, voice) 23:00 - Qualified Charitable Distributions Don't Make Sense to Me (GetSmart Paul, YouTube) 24:59 - Watch the Retirement Pop Quiz on YMYW TV, Download the Retirement Readiness Guide for free 25:45 - Do My Kids Inherit My Savings Account Without Tax Penalty? What's a Safe, High-Return Investment for Them? (Sherri, CA) 27:18 - Can an IRA Fund a Charitable Remainder Unitrust? (Houry, NY) 31:43 - Outro: Next Week on the YMYW Podcast

In this 2-minute episode, Brian discusses CRUT's being annual distributions defined as a percentage of the trust's assets, measured that year, whereas a CRAT's annual distributions are a fixed percentage of the trust's starting value.

Ray Schwetz and Donyshia Boston-Hill get business empowerment from Venus Cruté, a TV and Radio Host, and celebrity voiceover actor. She is the author of "Shades of Love," a compilation of poetry on a quest for love!

Han ligger bakom låten som HV-fans har sjungit med i över 40 år.  I HV-podden berättar Cruts sångare Mats Danielsson om bakgrunden till låten, hur lång tid det tog att skriva den och varför han tror den blivit så populär.

Domenica 21 agosto, il Comitato provinciale di Trieste del Centro Sportivo Italiano propone il 1° meeting dal titolo “Festa dello Sport” allo stadio Grezar di Trieste. Dopo le competizioni di atletica aperte solo ai tesserati Fidal in programma dalle 17.25, per i giovani dai 5 ai 16 anni dalle 19.30 in poi ci sarà la possibilità di provare e cimentarsi in diversi spot, dall'atletica, grazie alla collaborazione con la Società Ginnastica Triestina, il baseball con il contributo della ASD Junior Alpina, rugby con Venjulia, ping pong con Crut e parkour con la SGT. Ad accompagnare e dare il giusto ritmo alla manifestazione i percussionisti della Drumsquad. Ospite ai nostri microfoni Massimo Varrecchia, consigliere straordinario del Comitato provinciale di Trieste Centro Sportivo Italiano per le ultime anticipazioni aspettando la Festa dello Sport, qui il podcast:

Podcast_NgoCeh kali ini mendengarkan curhatan driver ojol, dimana banyak suka duka pengalaman selama menjadi driver Ojol yang seru dan kalian perlu dengarkan sampai selesai. Nantikan next episode berikutnya untuk cerita yang lebih seru lainnya.

Afin de bien commencer la journée, Espérance Média vous propose une courte réflexion sur le message biblique pour votre bien être au quotidien. Pensée du jour Yorann Lupon : Présenté par le Pasteur Yorann Lupon. Une petite pensée par jour afin de vous rapprocher chaque jour plus de Dieu. © Émission produite par ESPÉRANCE MÉDIA

How do we better serve our high net-worth clientele? On today's show Jeremy, a FIG strategist, joins us to discuss advanced planning, working with high net-worth clientele, the sale of large assets, and much more. Advanced planning or wealth management builds off of an advisor's basic duties by combining higher-level planning strategies for clientele with more complicated assets. So, what is the best way to provide these services? Jeremy has over two decades of experience in estate and business planning. He is helping advisors integrate key aspects of advanced planning into their businesses. For example, if one of your clients is selling their business, this is a huge event in their life and you want to be adequately prepared. When it comes to these clients, planning is much more complicated so bringing in an expert will certainly help.    TIMESTAMPS: 1:32 – Jeremey's favorite football team 2:23 – Journey in the financial industry 2:59 – His different designations 6:27 – Part of a three-judge program 7:57 – Experience in advanced planning 9:41 – What is a CRUT? 10:52 – What is an advanced planning strategy? 12:19 – How does he work with FIG? 14:08 – Letting advisors have control 16:17 – Working with high-level cases 19:47 – Legal changes and life insurance 21:25 – Jeremy's thoughts on 7702 22:54 – Similarities in cases 25:45 - The importance of listening   MORE INFORMATION:  https://advisordevelopmentshow.com/  

In this week's episode our host Mary Vandenack, Founder and Managing Partner at Vandenack Weaver and her guest, Mike Weaver, a partner at Vandenack Weaver, discuss charitable techniques that business owners should be considering when contemplating the sale of their business.  Tune in to learn about basic techniques like making a gift of appreciated stock and more complex techniques such as charitable remainder trusts including CRAT's and CRUT's and charitable lead trusts.  Do you know which would be best for your situation?  Listen in to learn some tax saving strategies.  A Hurrdat Media Production. Hurrdat Media is a digital media and commercial video production company based in Omaha, NE. Find more podcasts on the Hurrdat Media Network and learn more about our other services today on HurrdatMedia.com. See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

To register for Jim's upcoming virtual event series specifically created for university faculty and professors, go to https://paytaxeslater.com/webinars.In this first clip from Jim's virtual event series titled Flexible Estate Planning and Using Trusts to Protect Your Family, Jim begins talking about the "dying part" and how to protect your family and your assets after your death. 

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Dean Mioli and Steve Wittenberg join Leslie Wojcik to talk tax planning in preparation for the 2021 tax season. Listen as they share their thoughts and ideas on potential legislation that could affect tax payer's planning decisions. Enjoy episode 14.   Important Information Neither SEI nor its subsidiaries provide financial estate planning or tax advice. Please note that (i) any discussion of U.S. tax matters contained in this communication cannot be used by you for the purpose of avoiding tax penalties; (ii) this communication was written to support the promotion or marketing of the matters addressed herein; and (iii) you should seek advice based on your particular circumstances from an independent tax advisor. Neither SEI nor its subsidiaries provide estate planning services unless you have otherwise separately entered into a written agreement for the provision of certain estate planning services. This material represents an assessment of the market environment at a specific point in time and is not intended to be a forecast of future events, or a guarantee of future results. This information should not be relied upon by the reader as research or investment advice. This information is for educational purposes only and should not be interpreted as legal opinion or advice. Glossary: The Pease limitation put a cap on how much certain taxpayers could claim in the way of itemized deductions before it was repealed when President Donald Trump signed the Tax Cuts and Jobs Act (TCJA) into law on December 22, 2017. It could potentially return after 2025 if Congress doesn't intervene when the TCJA expires at that time. Tax loss harvesting is a strategy of selling securities at a loss to offset a capital gains tax liability. It is typically used to limit the recognition of short-term capital gains, which are normally taxed at higher federal income tax rates than long-term capital gains, though it is also used for long-term capital gains. An irrevocable trust is a type of trust where its terms cannot be modified, amended or terminated without the permission of the grantor's named beneficiary or beneficiaries. A CRUT (charitable remainder unitrust trust) is an irrevocable trust that provides income to a named beneficiary or beneficiaries during the grantor's life and then the remainder of the trust to a charitable cause. The Spousal Lifetime access Trust (SLAT) is an irrevocable trust where one spouse makes a gift into a trust to benefit the other spouse (and potentially other family members) while removing the assets from their combined estates. For more information on the Biden campaign tax proposals, please visit https://www.forbes.com/sites/forbesfinancecouncil/2021/01/26/what-changes-you-could-see-under-bidens-tax-plans/?sh=5c72b0e050a0

The election is finally past us and for wealth advisors the work and the uncertainty is probably just beginning. JORY BARD ZIMMERMAN joins us to discuss some of the tools to help wealthy clients take advantage of the tools available in 2020, incorporate philanthropy in in one's planning and get a rolling head start into an interesting looking 2021. Jory is an attorney with expertise in trusts, estates and wealth planning. She has deep experience in advising high net-worth clients on their personal, tax savings and philanthropic goals. Here is the outline of our discussion: —> Year-end gift planning: eg. using exemptions now, if possible, before they change: Applicable Federal estate and gift tax exemption for persons dying or gifts made in 2020 is $11.58 Million per individual, or @$23MM per couple (no claw-back).  For transfers made after December 31, 2025, Federal exemption will revert to $5M, adjusted for inflation (@ $6MM in 2026), or maybe back to $3.5MM Current thinking: exemptions may be reduced as early as next year to provide funds needed for stimulus and due to COVID. Interest Rates plus lower Asset Valuations: Pandemic volatility in the financial markets plus low interest rates may be an opportunity to consider transferring depressed-value investments to family members through a GRAT, where little or no exemption may be required to effect the gift; remainder at end of GRAT term may go to family or a continuing trust. Will unused exemptions be lost? It's not exactly 2012 again: Most clients made gifts outright back in 2012; Now more clients are using a trust to receive gifts (control + access) Don't forget about the Annual Exclusion! $15K or $30K per couple per beneficiary  (that can add up quickly) - using the Educational / Medical exemptions are also a powerful tool. For New York: $5.85MM estate tax exemption with an ESTATE TAX CLIFF, tax over @$6.2MM in assets (no gift tax but 3 year add-back until 12/2025). See more about how that works HERE: —> Charitable planning and COVID: In these uncertain times, charitable organizations need assistance more than ever plus clients may be seeking an income tax advantage (deduction). This is the time when charities need you the most. For 2020 (CARES Act), $300 per individual above the line deduction ($600 married couple, no itemizers, no AGI % limitation, must be to public charity, not a Donor Advised Fund. Also, 100% of cash contributions, no AGI % limitation (consider contributions of Long Term Capital Gain property subject to 30% of AGI), must be to public charity, not Donor Advised Fund. For 2020 (SECURE Act), no more “stretch IRA’s” (limited to 10 years + certain eligible beneficiaries), may name CRUT as an IRA beneficiary to mimic the “stretch”. This is the time to review and revise IRA beneficiary designations. Biden is talking about eliminating capital gains and taxing them as ordinary income (proposed rate of 39%), may be better to donate appreciated assets to charity (proposals from the Obama Green Book, e.g.., carryover basis, cap gains at death, like a sale, roll-back exclusion, GST’s limited to 50 years so no dynasty trusts). Time will tell what this looks like with a divided government. For New Yorkers, consider giving a dollar amount of the estate over “cliff” to charity, so that you don't fall off the cliff and create an additional NYS estate tax burden. —> Diversifying trusts by situs + Directed Trusts:  Trust friendly jurisdictions with no income tax, e.g.. Delaware (basically) and Tennessee appeal to greater NY-area grantors, South Dakota and Nevada are used more by California clients. For example, creating SLAT’s (Spousal Lifetime Access Trusts), each spouse create a trust for the other. There is a need to diversify by different states to enhance creditor protection and to use different terms, jurisdictions assets and trustees to avoid the IRS's reciprocal trust doctrine.

In this episode, Trishul and Aaron discuss more ways the U.S. tax system helps the wealthy. Qualified Small Business Stock, self-directed IRAs, and Grantor Retained Annuity Trusts are all legal means by which rich people can side-step millions or potentially billions in taxes. But these are not just random loopholes. Now, corporations can legally spend unlimited sums of money lobbying politicians to write laws that favor, you guessed it, the wealthy. That's why it makes fiscal sense for a corporation to spend a billion dollars lobbying to save ten billion in taxes. In the end, if we think income inequality is a big deal, the first step to change is to understand how easy it is for the wealthy to avoid paying their fair share.Episode ReferencesMMS #37. How to get rich and never pay a dollar in taxes.MMS #27. Can a UBI really pay for itself?MMS #32. These estate planning tips can save you big time.The Veil of IgnoranceThe Biggest Companies Pay the Least in TaxFacebook and the IRS Prepare for a 9 Billion U.S. Tax Court FightThe 100 Million Dollar Mitt Romney IRAHow the Super-Rich Ducked 100 Billion in Estate Taxes since 2000How Walmart's Waltons Are Using Charitable TrustsThe Walton GRATCRAT, CRUT, CLUT, GRIT, GRAT, and GRUTU.S. Deficit by YearCitizens United ExplainedWho Pays More Taxes: Rich or Poor?Who Are the One Percent in the U.S.?Richard Wolff on Economic InequalityQualified Small Business Stock (QSBS)Podcast Description Welcome to The Mind Money Spectrum Podcast where your hosts Aaron Agte and Trishul Patel go beyond traditional finance questions to help you explore how to use your money to achieve the freedom you want in life. Aaron is a Financial Planner from the Bay Area, and Trishul is a Wealth Manager on the East Coast. For more information about Aaron, check out GraystoneAdvisor.com. And for more information on Trishul check out InvestingForever.com. We thank you all for listening, and stay tuned for our latest episode on our website, MindMoneySpectrum.com.

Guests:  Bob Keebler, CPA/PFS and Jonathan Blattmachr, Esq. The elimination of the ability to stretch IRA and qualified plan distributions over the life of the beneficiary has made effective planning a bit more challenging. In this episode, learn from Bob Keebler and Jonathan Blattmachr as they explore the SECURE Act’s 10-year rule and planning strategies for your clients, including:  Using CRUTs or NIMCRUTs to simulate a payout that is longer than 10 years Considerations for planning with trusts and s-corporations How to create a plan that gives your clients flexibility and opportunities How to calculate the math and determine the timing of these planning strategies Access the related resources from this podcast: SECURE Act resources, podcasts, and charts from Bob Keebler in the Proactive Planning Toolkit 10th edition of The Adviser’s Guide to Financial and Estate Planning updated for SECURE Article analyzing the  CRUT and NIMCRUT strategy The episode is brought to you by the AICPA’s Personal Financial Planning Section, the premier provider of information, tools, advocacy and guidance for professionals who specialize in providing tax, estate, retirement, risk management and investment planning advice and by the CPA/PFS Credential program which allows CPAs to demonstrate competence and confidence in providing these services to their clients. Visit us online at www.aicpa.org/pfp to join our community and gain access to valuable member-only benefits. Don’t miss an episode – subscribe to our podcast series on iTunes or Pod-o-Matic or Spotify! Just search for “AICPA Personal Financial Planning” on any Apple, Android or Windows device.

Hoy en #SinCerrarAlMediodia33 Nos visita Daniel Berrios de la Universidad Francisco Gavidia en #UFGNews, #RobinFood conversaremos con nuestros amigos de Crutón SV y en el #QuienMeAyuda nos acompañan nuestros amigos de Murdok Legal, con quienes estaremos conversando sobre Legalidad y Emprendimiento. Todo esto y más por el 105.3FM

Overview of Charitable Remainder Trusts, CRT, including CRAT, CRUT, Split-Interest Trusts and answers to frequently asked questions on the topic.  The American College of Trust and Estate Counsel, ACTEC, is a professional society of peer-elected trust and estate lawyers in the United States and around the globe. This series offers professionals best practice advice, insights, and commentary on subjects that affect the profession and clients. Learn more in this podcast.

The Radio Boys (C.Truth, Kev Lawrence) had a spirited conversation with artist Jennifer Cruté. Jenn took some time to inform us about: the creative inspiration for her work, navigating the commercial art world that wanted her to provide stereotypical images of women, designing images for children’s clothing, being a gangster in order to collect her money as a freelancer, making an effort to pitch images not seen in advertising, the wobbling black cake, the family 's reaction to the material she has put out, upcoming showcases/events to view her creations, and the comic series for adults "Jennifer's Journal The Life of a SubUrban Girl Vol.1" which come from actual journals illustrating a misfit’s upbringing in the suburbs of New Jersey and her daily interactions as an adult in New York City. For additional content go to, http://www.thermalsoundwaves.com Tweet: @thermalsoundwav IG: @thermalsoundwaves Facebook: @thermalsoundwaves --- Support this podcast: https://anchor.fm/thermal-soundwaves/support

With New Year’s celebrations behind us, it’s time to look toward what the financial world has in store for us in 2017. Unfortunately, retirement and estate plans may be taking a huge tax hit from the IRS this year. As Jim mentioned in Part I, the “stretch IRA” has been an invaluable tax-management tool for investors and estate planners for decades. Today’s rules allow beneficiaries of inherited IRAs to limit distributions to the minimum, which maintains money in the tax-deferred environment and allows for compound tax-deferred growth - potentially a very lucrative strategy. But in September of 2016, the Senate Finance Committee unanimously voted to kill the stretch IRA. It is very likely that this change will become law this year - and that the new law will require those who inherit an IRA to pay taxes on all but $450,000 of the money within five years. While the strategies in Jim’s new book, The Ultimate Retirement and Estate Plan for Your Million-Dollar IRA (available for free at www.paytaxeslater.com) can help you reduce the impact of this potentially devastating law, it will still be major blow to any family who has more than $450,000 in their IRA or retirement plan. In this episode of The Lange Money Hour, Jim will talk about the impact of the “death of the stretch,” focusing specifically on little-known - but perfectly legal - strategies to prepare for its passage, including: TOPICS COVERED: 1. Roth IRA conversions 2. Maximizing Social Security 3. Flexible estate planning 4. The value of a Charitable Remainder Unitrust (CRUT) as the beneficiary of an IRA 5. Setting up a gifting program To read the show transcript or listen to the MP3 file, http://bit.ly/2lhA6Yu

Show two notes:   Intro:  0 - 1:25   Outside the Box: 8:11 - Tabletop games outside the normal scope, (electronic games versions) Where they are available and how they play, plus opinions on their effectiveness, Le Havre, Splendor, Lords of Waterdeep, Eclipse, Ticket to Ride, Catan, Ascension, Carcassonne, History of the World, NightFall, Sentinels OtM, Pandemic   Digressions: 28:04 - Alex Talks about Fantasy Football. (Alex can share ways to make fantasy football more gamer friendly) Larry talks about Pokemon  Go’ and game design in general.   The Long Haul (Project Play): 35:08 - the hosts pick an ambitious and far reaching goal and see it through and chronicle it for the show! 365 in 365 the hosts play 365 unique games in the span of one year from their own collection.   Conventional wisdom: 38:32 - Convention going ons.   Not just Good, but SUPER Good: 40:10 - Top 3 Post Apocalyptic games Larry  - 51st State, Gears Of War, Dawn of the Zeds 3rd Edition Alex - Dead of Winter, Zombicide, Risk Legacy   That Time of The Year: 45:32 -  Seasonal Games: 1st and Goal, Blood Bowl team manager, Bottom of the ninth.   End Segment - 52:20   Outro - 54:16 Games Covered:   Harry Potter Hogwarts Battle Cooperative Card Game Designer: Forrest-Pruzan Creative                     Artist: N/A Publisher: USAopoly Year Published: Sept. 2016      51st State Master Set Designer : Ignacy Trzewiczek         Artist:  Grzegorz Bobrowski         Publisher:  Portal Games Year Published: 2016   Gears Of War: The Board Game: Designer:Corey Konieczka Artists: Edge Studio, Christopher Hosch, Adam Taubenheim, Ben Zweifel                 Publishers: Edge Entertainment, Fantasy Flight Games, Galakta, Heidelberger Spieleverlag Year Published: 2011   Dawn of the Zeds 3rd Edition Designer: Hermann Luttmann                     Artist: Clark Miller Publisher: Victory Point Games Year Published: 2016   1st and Goal Designer: Stephen Glenn Artists: Scott Fleenor, Matthan Heiselt, Jennifer Vargas Publisher: R&R Games Year Published: 2011   Blood Bowl team Manager: Designer: Jason Little Artists: Erfian Asafat, Daren Bader Dimitri Bielak Yoann Boissonnet, Alberto Bontempi,         Andrew Bosley, Christopher Burdett, Kari Christensen, Soul Core, Crut,             Anderson Gaston, Andrew Hou, Dan Howard, Ijur, Hendry Iwanaga, Tyler Jacobson, Jason Juta, Sam Kennedy, Lius Lasahido, Aaron Miller, Scott Nicely, Afif Numbo, Rio Sabda, Alexandru Sabo, Alexandr Shaldin, Matt Smith, Mark E. Smith, Nicholas Stohlman, Grey Thornberry, Chase Toole, John Wigley Publishers: Edge Entertainment, Fantasy Flight Games, Galakta, Game Harbor,             Heidelberger Spieleverlag, Stratelibri Year Published: 2011 Bottom of the Ninth: Designers: Darrell Louder, Mike Mullins Artist: Adam P. McIver Publisher: Greater Than Games (Dice Hate Me Games) Year Published: 2015   ********************************   Conventional Wisdom: Oct. 13-16: ESSEN Game Fair – Essen, Germany Oct. 14-16: Noble Con – Noble, Il Oct. 14-16: Dallas Fan Days™ – Dallas, Texas (TX) Oct. 14-16: Save Against Fear – Harrisburg, Pennsylvania Oct. 15-16: Gamer Fete Gaming Con – Biloxi, MS Oct. 21-23: Game-A-Lot – St. Albert, Alberta Oct. 22-Nov. 12: Gryphcon Shadow – Guelph, Ontario Oct. 28-30: Falcon – Stamford, CT November look ahead: Wednesday, November 16 through Sunday, November 20: BGG.CON Fall – Dallas, Texas **********************************   Additional Links: Conventional Wisdom information investigation: http://www.sjgames.com/con/   Electronic game avenues: Steam -www.steampowered.com   Humble Bundle - www.humblebundle.com Board Game Geek - https://boardgamegeek.com/ Android - Google Play iOS - App Store (iTunes)   Show Music: Intro - Interlude - Outro Castlevania: Order of Ecclesia ‘sparkle’ By Joshua Morse From the Album Castlevania: Sonata of the Damned on https://ocremix.org/

Jennifer Cruté started writing comics in 2003. She is featured in a Current TV segment about women in comics called "Kapow! The New Comic Book Heroines." At the East Coast Black Age of Comics convention (ECBACC), her strips were nominated for "Best Rising Star" in it's Glyph Comic Awards (GCA) category. Her cartoons were featured in "Bitch" magazine's 2009 winter issue. She was a finalist in Lambda Legal's "Life Without Fair Courts" contest and was also a speaker on the "Dark As Ink" panel at Skidmore College. Jennifer is also a painter and studies at the Art Students League of New York. She continues to develop a body of work in oil and mixed media. She has shown her work at the Museum of Contemporary African Diasporan Arts (MoCADA) museum in Brooklyn; The Limner Gallery in Hudson, N.Y.; And the Ocean Hill Arts Sanctuary in Brooklyn. She also works as a freelance illustrator (www.jennifercrute.com), and her clients include Merck, Tanqueray, Nabisco, and Sony. Jenn recently completed a comic for adults entitled, “Jennifer's Journal The Life of a SubUrban Girl Vol 1.” It’s the first book in a series that chronicles the life of this quirky and freckle-face, African American illustrator and artist. Pages from actual journals illustrate this misfit’s upbringing in the suburbs of New Jersey and her daily interactions as an adult in New York City. She introduces several colorful characters which include a host of grumpy family members, schoolmates that tease and gossip, and her close friends Josephine and Maryland’s own awkward experiences. Jennifer’s imaginary companions also influence her actions; they range from the meditative "Miss Buddha Bear" to her nemesis "Sister Sympathy" and her gang. Each accompanies Jennifer as she tries to maintain a positive outlook and peace of mind while battling the insanity of popular culture. For more info: http://www.indiereviewcd.com https://twitter.com/IndieRevue https://www.instagram.com/indie.review https://www.facebook.com/indie.review --- Support this podcast: https://anchor.fm/indie-review/support