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In this episode of the ROCC Pod, we sit down with Christina DeGregory, an independent insurance broker with Health Markets, to talk through her journey from a biology major (!) to health insurance and how she's using her science background to educate and empower clients. Christina shares that she holds a master's in biological sciences and once worked as a teaching assistant in cell biology and microbiology. That experience, she explains, helped shape her ability to explain complex topics—like health insurance—in clear, simple terms. She's now channeling that same teaching energy into her role as a broker, with a personal motto: “Insurance is hard, let me make it easier for you.”We talk through how she transitioned out of academia and into insurance after facing a stagnant job market post-grad school. What drew her to this career was the opportunity to connect with people, educate them, and help them understand their options. As an independent broker, Christina runs her own business under the Health Markets umbrella, helping individuals find coverage through the Affordable Care Act. She explains open enrollment, special enrollment periods, and how certain life events can trigger eligibility to enroll outside the standard window.We also touch on the most common challenges her clients face, such as confusion around deductibles and out-of-pocket maximums. Christina emphasizes her goal of making sure clients truly understand their coverage, payments, and what to expect in case of hospitalization or routine care. She works primarily with people who aren't eligible for employer-sponsored insurance—1099 workers, part-time employees, or those in between jobs—and particularly helps those in lower-income brackets who may qualify for subsidized or even $0 monthly premium plans.Christina also works with supplemental insurance like dental, vision, and indemnity plans that offer payouts for accidents, illnesses, or hospital stays. She outlines how these offerings can protect against crushing medical debt, especially for vulnerable populations. Soon, she'll also be licensed in Medicare to help retirees navigate yet another complicated health care system.Outside of work, Christina's passionate about music and community. A long-time fan of Detroit's EDM scene, she talks about attending Movement and Electric Forest every year. We also learn about her positive experience joining the Royal Oak Chamber and her love for being involved in local networking events.Throughout the episode, it's clear Christina brings not only technical knowledge to her work but also empathy, patience, and a genuine passion for helping people navigate the confusing world of health insurance.Call Christina: 248-981-3610Visit her website: https://www.healthmarkets.com/local-health-insurance-agent/cdegregory/Or find her on Instagram: https://www.instagram.com/christina_degregory/ Learn more about the Royal Oak Chamber of Commerce: https://www.royaloakchamber.com/Connect with our hosts:Jon Gay from JAG in Detroit Podcasts - http://www.jagindetroit.com/Lisa Bibbee from Century 21 Northland - http://soldbylisab.com/
Last year, reporter Mike Seccombe looked into the divide between Australia’s richest and poorest schools to find out why this gap keeps widening. What he found was a broken system. Rich parents are able to get huge tax breaks by donating to opulent building projects at their kids’ private schools. It’s a practice that goes way back, despite many arguing the tactic has become outdated. Today, national correspondent for The Saturday Paper and a proud state school boy, Mike Seccombe, on why we need an overhaul of the charitable giving system that delivers some kids castles. This episode was originally published in July last year. If you enjoy 7am, the best way you can support us is by making a contribution at 7ampodcast.com.au/support. Socials: Stay in touch with us on Instagram Guest: National correspondent for The Saturday Paper, Mike Seccombe. Photo: Taylor ConstructionSee omnystudio.com/listener for privacy information.
Medicare Advantage Minute: MA stocks soared following the 2024 election. The implication is that the new administration is more friendly to the evil Medicare Advantage plans. I am not convinced that is true and I have faith that Medicare supplement plans will remain available for responsible, discriminating Medicare participants! DME: Durable Medical Equipment is paid for by Medicare under certain circumstances. Very important: make sure the supplier is enrolled in Medicare! Tragedy strikes Medicare for the Lazy Man: Alert reader Dominick Regina noticed that all of the many customer reviews earned by MLM 2024 were missing from MLM 2025. He thought it was a mistake until I explained. Every year the book starts out with no reviews at all. I then hope and pray that the first bunch of readers are inclined to tell others about their beneficial experience via customer reviews! Which are the best and worst states when it comes to childrens' health? Typical of our experience with WalletHub surveys, those in conservative states take it in the shorts! Two of the many reasons one is likely to be very happy with a Plan HDG purchase over a Plan G: 1) The insured will only pay the low, low HDG premium, socking away the savings in case they are needed! 2) Future rate increases are likely to be smaller and less frequent if historic trends hold true. Contact me at: DBJ@MLMMailbag.com (Most severe critic: A+) Visit us on: BabyBoomer.ORG Inspired by: "MEDICARE FOR THE LAZY MAN 2025; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers. Official website: https://www.MedicareForTheLazyMan.com.
As an entrepreneur, you know that every dollar counts, so today we're taking a deep dive into a topic that can save business owners thousands of dollars: deductible business expenses. In this episode, we'll cover what makes an expense deductible, the savings that come with deductions, unexpected deductions, and the importance of bookkeeping. By the end of the episode, you'll have a clear picture of how to make the most of your expenses and keep your money in your business. Episode Highlights Deductible expenses must be ordinary and necessary. Deductions are powerful. Every dollar you deduct reduces your taxable income, directly lowering the amount of taxes you owe. However, in order to deduct a business expense, two key rules must be satisfied: the expense must be ordinary and necessary. To be ordinary, the expense must be common and accepted in your industry, such as a yoga mat for a yoga instructor. To be necessary, the expense must be helpful and appropriate for your business operations. Before you write off something, ask yourself whether a business like yours typically needs this type of expense and does it serve a legitimate business function? If the answer is yes, you may have a deduction on your hands. Don't forget unexpected deductions. While rent and office supplies may come to mind as deductible business expenses, consider whether these unexpected events apply to you: Pet expenses -- If a dog protects your office or warehouse, the dog's food, training, and vet bills may be deductible. Coaching -- Hiring a business coach, taking leadership training, and even going to therapy for stress management related to business all might qualify as expenses needed to run and lead a company. Your home office -- If you have a dedicated space in your home exclusively used for business, you can write off some of your rent, utilities, and internet costs. Marketing and promotions -- Hosting an industry event, running a giveaway, collaborating with influencers, and paying for digital ads all count as deductible expenses as long as they are directly tied to promoting your business. Work-related attire -- Buying branded uniforms or specialized attire for your business are legitimate business expenses. Business retreats -- If you take your team on a business retreat to strategize and improve company culture, that expense could be deductible. Make sure you document the business purpose with an agenda and good notes. Good bookkeeping is just as important as knowing the rules. Without solid record keeping, you might miss valuable deductions or struggle to justify an expense in the event of an audit. Here are some tips to keep your books in order: Separate personal and business finances -- Keeping separate personal and business bank accounts and credit cards makes tracking deductible business expenses much more manageable. Use accounting software -- Accounting software, such as Quickbooks or Wave, can help automate tracking, helping to ensure nothing gets overlooked when tax season rolls around. Save your receipts -- The IRS requires proof of deductions, so keep digital or physical copies of receipts and invoices. Work with a professional -- A professional bookkeeper or accountant can help you keep your financial records accurate and compliant. Resources + Links Brian Thompson Financial: Website, Newsletter, Podcast Follow Brian Thompson Online: Instagram, Facebook, LinkedIn, X, Forbes About Brian and the Mission Driven Business Podcast Brian Thompson, JD/CFP, is a tax attorney and Certified Financial Planner® who specializes in providing comprehensive financial planning to LGBTQ+ entrepreneurs who run mission-driven businesses. The Mission Driven Business podcast was born out of his passion for helping social entrepreneurs create businesses with purpose and profit. On the podcast, Brian talks with diverse entrepreneurs and the people who support them. Listeners hear stories of experiences, strength, and hope and get practical advice to help them build businesses that might just change the world, too.
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Have no fear! Your favorite Law & Order: S-Re-View podcast is finally going back and talking about Law & Order: Special Victims Unit, season 26 episode 11 "Deductible". So join co-hosts Yael Tygiel and Taylor Gates on Sunday, March 30th, for a makeup session of the best #SVU podcast.Join the "Thick Ass Fire Booty Bridesmaids" and get a "Be True To Yourself" t-shirt or "Slammin' Pair of Jeans" onesie (As well as other SVU inspired swag) from S-Re-View here: https://www.redbubble.com/people/ottees/shopRAINN Hotline 1-800-656-4673In the digital world, lack of a podcast about Law and Order SVU is considered especially heinous. On the internet, the dedicated people who discuss these unforgettable episodes are members of an elite squad known as the Law & Order: S-Re-View podcast! These are their stories. DUN DUN.Join the conversation LIVE every Sunday at 2p PT/ 5p ET, here on FANVERSATION.Follow Felicia Michelle on IG at https://instagram.com/itsFeliciaMichelleFollow Taylor Gates on https://twitter.com/Elphaba_AnneFollow Yael Tygiel on https://instagram.com/yaeltygielPrevious SVU after-show recap discussions: https://www.youtube.com/playlist?list=PL-Bpw0GYygGPRv_A4CEyyOZlZNeCQ2Ih_S-Re-View is ONLY video SVU aftershow recap & review podcast
When it comes to tax deductions and business expenses, business owners can often fall into two extreme mindsets, either trying to deduct everything under the sun or being too conservative and missing out on legitimate tax savings. In this episode, Danielle Hayden, CEO and founder of Kickstart Accounting, Inc., and Kelsey Chester, Kickstart's Lead Account Manager, break down tax deductions in a way that's clear and strategic. They'll walk you through what truly qualifies as a business expense, how to avoid common tax mistakes, and why smart financial planning is about more than just lowering your tax bill, while still claiming the savings you deserve. Key Takeaways: Understand the “Ordinary & Necessary” Rule: The IRS allows deductions for expenses that are common in your industry and essential for running your business. If you can clearly explain the expense's purpose in an audit, you're likely in the clear! Avoid IRS Red Flags: Overspending on out-of-the-ordinary purchases or misclassifying personal expenses as business ones can trigger unwanted IRS attention. Your Business's Health & Goals Matter: Trying to write off too many personal expenses can hurt your ability to get business loans or sell your company later. Separate Business & Personal Finances: Keep all business expenses on a business account or card to ensure clean, organized records. Your bookkeeper can only track and make deductions based on what they see in your business accounts. Smart Travel Deductions: Business travel is deductible, but the primary purpose must be work-related. A "board meeting" at Disney with your family? Not so much. Invest in the Right Money Team: Your bookkeeper, accountant, and tax strategist should be working to keep your finances organized, tax-efficient, and strategically planned all year long, not just at tax time. Think Long-Term with Tax Strategy: Lowering your tax bill is great, but don't do it at the expense of your business's future. Plan ahead so deductions today don't limit growth opportunities tomorrow. Topics Discussed: What Qualifies as a Business Expense? (00:00:06 – 00:02:14) Finding the Right Balance with Business Expense Deductions (00:02:14 – 00:05:37) The Importance of Paying Yourself a Reasonable Compensation (00:05:37 - 00:07:45) Common Business Expenses & What You Should Be Deducting (00:07:45 – 00:12:55) Operating & Personal Expenses: What's Deductible? (00:12:55 – 00:20:52) Travel Expenses: What's Legitimate vs. What's Risky (00:20:52 – 00:22:54) Tax Strategy & Planning with Your Money Team (00:23:39 – 00:29:25) Resources: Episode 211 | The Smart Way to File Taxes: Why Tax Extensions Are Better Than Last-Minute Filings Episode 212 | How to Pay Yourself as an S Corp Owner: Reasonable Compensation & Payroll Setup Episode 213 | The Tax Write-Offs You're Missing as a Business Owner Episode 126 | Small Business Gift Giving: A Holiday Tax Guide Episode 136 | Health Care Tax Deductions for Small Business Owners Explained Episode 137 | Can You Legally Hire Your Children?: How to Pay Your Kids, Get Tax Advantages, & Create Generational Wealth Episode 188 | Beyond the Business: Preparing for a Secure Retirement KSA Tax Partners | https://ksataxpartners.com/ Book a Call with Kickstart Accounting, Inc.: https://www.kickstartaccountinginc.com/book Connect with Kickstart Accounting, Inc.: Instagram | https://www.instagram.com/Kickstartaccounting YouTube | https://www.youtube.com/@businessbythebooks Facebook | https://www.facebook.com/kickstartaccountinginc
When it comes to tax deductions and business expenses, business owners can often fall into two extreme mindsets, either trying to deduct everything under the sun or being too conservative and missing out on legitimate tax savings. In this episode, Danielle Hayden, CEO and founder of Kickstart Accounting, Inc., and Kelsey Chester, Kickstart's Lead Account Manager, break down tax deductions in a way that's clear and strategic. They'll walk you through what truly qualifies as a business expense, how to avoid common tax mistakes, and why smart financial planning is about more than just lowering your tax bill, while still claiming the savings you deserve. Key Takeaways: Understand the “Ordinary & Necessary” Rule: The IRS allows deductions for expenses that are common in your industry and essential for running your business. If you can clearly explain the expense's purpose in an audit, you're likely in the clear! Avoid IRS Red Flags: Overspending on out-of-the-ordinary purchases or misclassifying personal expenses as business ones can trigger unwanted IRS attention. Your Business's Health & Goals Matter: Trying to write off too many personal expenses can hurt your ability to get business loans or sell your company later. Separate Business & Personal Finances: Keep all business expenses on a business account or card to ensure clean, organized records. Your bookkeeper can only track and make deductions based on what they see in your business accounts. Smart Travel Deductions: Business travel is deductible, but the primary purpose must be work-related. A "board meeting" at Disney with your family? Not so much. Invest in the Right Money Team: Your bookkeeper, accountant, and tax strategist should be working to keep your finances organized, tax-efficient, and strategically planned all year long, not just at tax time. Think Long-Term with Tax Strategy: Lowering your tax bill is great, but don't do it at the expense of your business's future. Plan ahead so deductions today don't limit growth opportunities tomorrow. Topics Discussed: What Qualifies as a Business Expense? (00:00:06 – 00:02:14) Finding the Right Balance with Business Expense Deductions (00:02:14 – 00:05:37) The Importance of Paying Yourself a Reasonable Compensation (00:05:37 - 00:07:45) Common Business Expenses & What You Should Be Deducting (00:07:45 – 00:12:55) Operating & Personal Expenses: What's Deductible? (00:12:55 – 00:20:52) Travel Expenses: What's Legitimate vs. What's Risky (00:20:52 – 00:22:54) Tax Strategy & Planning with Your Money Team (00:23:39 – 00:29:25) Resources: Episode 211 | The Smart Way to File Taxes: Why Tax Extensions Are Better Than Last-Minute Filings Episode 212 | How to Pay Yourself as an S Corp Owner: Reasonable Compensation & Payroll Setup Episode 213 | The Tax Write-Offs You're Missing as a Business Owner Episode 126 | Small Business Gift Giving: A Holiday Tax Guide Episode 136 | Health Care Tax Deductions for Small Business Owners Explained Episode 137 | Can You Legally Hire Your Children?: How to Pay Your Kids, Get Tax Advantages, & Create Generational Wealth Episode 188 | Beyond the Business: Preparing for a Secure Retirement KSA Tax Partners | https://ksataxpartners.com/ Book a Call with Kickstart Accounting, Inc.: https://www.kickstartaccountinginc.com/book Connect with Kickstart Accounting, Inc.: Instagram | https://www.instagram.com/Kickstartaccounting YouTube | https://www.youtube.com/@businessbythebooks Facebook | https://www.facebook.com/kickstartaccountinginc
Automobile insurance prices are on the rise! Should you choose a higher deductible to lower your premium, or stick with your current premium to keep your deductible low? In this episode, Art explains when opting for a higher deductible makes sense.Resources:8 Money MilestonesAsk a Money Question!
You might be surprised to learn that most Americans are satisfied with their healthcare insurance. But the rest are more than a little dissatisfied.A vocal minority of health insurance policyholders are frustrated with their insurers for any number of legitimate reasons. If you're in this group, you don't want to miss today's show. Lauren Gajdek joins us with details about an efficient, affordable alternative to health insurance.Lauren Gajdek is the Vice President of Communications and Media at Christian Healthcare Ministries (CHM), an underwriter of Faith & Finance. Why Are People Frustrated with Traditional Health Insurance?Healthcare is a significant concern for many families, especially as costs continue to rise. Christian Healthcare Ministries (CHM) offers an alternative rooted in faith and community support for those who feel frustrated with traditional health insurance. Some of the most common frustrations they see are:Complicated Policies—Many insurance plans have intricate rules and coverage limitations, making it difficult to understand what is actually covered. Lack of Pricing Transparency—Patients often have no idea what they are being charged for healthcare services, which leads to higher costs that insurance companies pass along to policyholders. High Deductibles—It's not uncommon to see deductibles of $5,000, $10,000, or even $15,000, leaving families struggling to afford necessary care.At CHM, transparency is a priority. Members clearly understand what will be shared, making healthcare costs more predictable and manageable.A recent Kaiser Family Foundation survey found that most Americans rate their health insurance as "good" or even "excellent." However, people generally seem to be pretty happy with their insurance—if they haven't had to use it. Many individuals benefit from government subsidies or employer-sponsored plans, but satisfaction drops significantly when it comes time to submit claims and navigate the system. The more people engage with their insurance provider, the more dissatisfied they tend to become.How Does Medical Cost Sharing Work?CHM stands apart as an alternative to health insurance. Since their founding in 1981, they have shared nearly $12 billion in medical bills for its members. People are looking for something that aligns with their faith and upholds their values, and that's where CHM steps in.With over 40 years of experience, CHM provides a trusted solution for Christians who want a healthcare option that reflects their beliefs.Unlike traditional insurance, CHM is a healthcare cost-sharing ministry. Members are considered self-pay, meaning they pay medical providers directly, but CHM shares 100% of qualifying medical bills based on established guidelines.Key features of CHM include:Flexible Program Options—Monthly contributions range from $98 to $255 per person, allowing families to tailor their plans to their needs and budget. No Network Restrictions—Members can choose their own providers and are not limited to specific hospitals or doctors. Community of Support—Members help bear one another's burdens, fulfilling a biblical model of care and stewardship.While the concept may initially seem unfamiliar, CHM's long track record of faithfulness and financial stewardship reassures members that their medical needs will be met.A Faith-Based Healthcare AlternativeFor many believers, CHM has proven to be a perfect fit, providing financial relief and peace of mind. To learn more about how medical cost-sharing could benefit your family, visit chministries.org/faith.If you've felt burdened by the complexities of traditional insurance, CHM may be the blessing you've been looking for.On Today's Program, Rob Answers Listener Questions:I'm trying to find out if there is anything available, like a lower-interest loan, to help me pay off my credit card debt. I have about $45,000 in debt, and I'm okay with paying it down, but I'd like to find a lower interest rate than the 14% I'm currently paying.My husband and I are both 77 years old, and I'm totally blind and he has several health problems. We'd like to set up an irrevocable trust to avoid probate when one of us passes away, but we don't have a lot of money. I'm not sure how to go about getting an elder law attorney to help us with this.I'm wondering if I should consider purchasing a long-term care insurance policy. I'm 77 years old, and I know that the majority of Americans over 65 will need some form of long-term care, which can be very expensive. I'm trying to figure out if getting a long-term care policy makes sense for my situation.I'm retiring soon and have a lump sum of money from my company's retirement plan. I don't want to take the lump sum and have 20% withheld in taxes. Instead, I'd like to roll the money over into a CD or similar safe investment where it can grow, but my company doesn't allow that. I'm not comfortable investing in stocks, so I'm looking for a way to keep the money safe and growing.Resources Mentioned:Faithful Steward: FaithFi's New Quarterly MagazineChristian Healthcare Ministries (CHM)Christian Credit CounselorsBankrate.com Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money (Pre-Order)Look At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.
Managing college expenses can be overwhelming, but understanding available tax benefits can help parents reduce costs. Join us on this episode of A Wiser Retirement® Podcast as we discuss how these tax benefits work and what families need to know about deductions, tax forms, and financial planning for college.Related Podcast Episodes:- Ep 168: Everything You Need to Know About 529 Plans- Ep 136: Financially Preparing for Your High Schooler to Go to CollegeLearn More:- Wiser Wealth Management- Schedule a Complimentary Consultation: Discover how we can help you achieve financial success.- Access Our Free Guides: Gain valuable insights on topics such as why most financial plans fail, how to leave a financial legacy, post-divorce financial planning, and more! Stay Connected: - Social Media: Facebook | Instagram | LinkedIn | Twitter- A Wiser Retirement® YouTube Channel This podcast was produced by Wiser Wealth Management. Thanks for listening!
Peter Dutton has announced that businesses with a turnover of up to $10 million would be able to deduct up to $20,000 of “business-related meal and entertainment expenses” provided to clients, vendors and employees. Luke Grant is joined by Shadow Treasurer Angus Taylor to discuss the policy.See omnystudio.com/listener for privacy information.
Why I chose high deductible health insurance. Are you a law firm owner looking for bookkeeping and tax help? Click here to set up a free consultation - https://bigbirdaccounting.com/lawfirms
In this Episode of the Secure Your Retirement Podcast, Radon and Murs discuss the strategies and rules surrounding common deductible charitable gifts in 2025. As the new year begins, many individuals are setting charitable giving goals while seeking to maximize their tax benefits. From understanding adjusted gross income (AGI) limits to choosing between donating cash, appreciated assets, or qualified charitable distributions, this episode walks you through everything you need to know to make informed decisions.Listen in to learn about the tax benefits of donations, the importance of choosing the right type of gift, and how to align your charitable goals with your overall retirement plan. Whether you're donating cash, assets with capital gains, or making qualified charitable distributions, Radon and Murs provide practical advice to help you navigate these options effectively.In this episode, find out:· The benefits of donating cash and how AGI limits affect tax deductions.· How to use donating appreciated assets to avoid capital gains taxes while gaining deductions.· The rules surrounding qualified charitable distributions (QCDs) for individuals over 70½.· How to leverage long-term and short-term capital gains in your charitable giving strategy.· The impact of the 2025 standard deduction on itemizing charitable deductions.Tweetable Quotes:· "Charitable giving isn't just about generosity; it's about maximizing impact and minimizing taxes." – Radon Stancil· "Understanding AGI limits can turn charitable donations into powerful tax-saving tools." – Murs TariqResources:If you are in or nearing retirement and you want to gain clarity on what questions you should be asking, learn what the biggest retirement myths are, and identify what you can do to achieve peace of mind for your retirement, get started today by requesting our complimentary video course, Four Steps to Secure Your Retirement!To access the course, simply visit POMWealth.net/podcast.
Steve Palmer welcomes Glenn Harper from Harper & Co CPA Plus and get into the practical aspects of launching and managing your own law firm with valuable insights. Whether you're fresh out of law school or considering branching out on your own, this episode is packed with essential advice you won't want to miss.Key Takeaways:Build Strong Professional Relationships:Invest in a supportive financial team to navigate both personal and business challenges. Glenn underscores the importance of consulting this team before making significant financial decisions to manage funds effectively.Focus on Ethical Financial Management:Steve Palmer emphasizes the discipline required for financial management, emphasizing the risks of financial desperation and the temptations to mishandle trust accounts. Remember, long-term financial stability hinges on maintaining transparent and honest practices.Prioritize Building Your Network Over Traditional Marketing:Creating long-term relationships and becoming a trusted resource within your network can outweigh traditional marketing strategies. Both Glenn and Steve agree that genuinely helping others fosters referrals and opportunities, often leading to sustained success.Key Moments00:00 Business operations and tax efficiency planning advice.09:23 Create a budget and reinvest earnings.12:11 Set minimum withdrawals; let the company grow.19:18 Deductible expense vs. nondeductible debt payment.24:39 Different business strategies: Income flow vs. startup needs.27:56 Early career attorneys accept lower-value cases initially.35:53 Avoid debt; manage business expenses responsibly.38:57 Funds held in trust, transferred as work completes.42:08 Maintain detailed trust account records for compliance.49:48 Discipline leads to big profit and success.53:13 Develop relationships with key professional contacts.01:00:11 Cash misuse leads to financial instability and guilt.01:04:27 Build right; avoid financial trouble and pitfalls.Submit your questions to www.lawyertalkpodcast.com.Recorded at Channel 511.Stephen E. Palmer, Esq. has been practicing criminal defense almost exclusively since 1995. He has represented people in federal, state, and local courts in Ohio and elsewhere.Though he focuses on all areas of criminal defense, he particularly enjoys complex cases in state and federal courts.He has unique experience handling and assembling top defense teams of attorneys and experts in cases involving allegations of child abuse (false sexual allegations, false physical abuse allegations), complex scientific cases involving allegations of DUI and vehicular homicide cases with blood alcohol tests, and any other criminal cases that demand jury trial experience.Steve has unique experience handling numerous high publicity cases that have garnered national attention.For more information about Steve and his law firm, visit Palmer Legal Defense. Copyright 2024 Stephen E. Palmer - Attorney At Law
The fatal shooting of UnitedHealthcare's chief executive has led to public outcry against the health insurance industry.On Today's Show:Rachel Cohrs Zhang, chief Washington correspondent for STAT News, examines what Congress is trying to do to fix a system that many Americans think is broken.
Many of us are charitable year-round. At holiday time, making charitable donations often takes on additional significance as we count our blessings and strive to help those in need. Today, John Walker, Regional Vice President, Mercer Advisors, discusses ways to make impactful charitable donations and help reduce your annual tax burden. Listening Time: 17 minutes Mercer-Cordasco Disclosure Information Visit Our Website Join Our Email List Additional Mercer Advisors Disclosure Cordasco Financial Network is a tradename. All services provided by Cordasco Financial Network investment professionals are provided in their individual capacities as investment adviser representatives of Mercer Global Advisors Inc. (“Mercer Advisors”), an SEC-registered investment adviser principally located in Denver, Colorado, with various branch offices throughout the United States doing business under different tradenames, including Cordasco Financial Network. Mercer Advisors is not a law firm and does not provide legal advice to clients. All estate planning document preparation and other legal advice are provided through Advanced Services Law Group, Inc.
On this episode the SCT boys juxtaposed Americas reaction to the murder of homeless man Jordan Neely, and the murder UnitedHealthcare CEO Brian Thompson. We also briefly addressed the heavy allegations Jay-Z has been confronted with, and consider what that could mean for LeBrons legacy.
Hey, open enrollment ends in just a few days—have you decided on a new health insurance plan yet? If not, you might not have to. What if there was another way—a biblical solution for meeting your healthcare costs? Let's explore medical cost sharing, a faith-based alternative to traditional health insurance that could save you hundreds of dollars a month.What Is Medical Cost Sharing?Medical cost sharing is a cooperative approach to healthcare expenses rooted in biblical principles. It's an alternative to traditional health insurance in which members share each other's medical costs. The concept is inspired by Galatians 6:2, “Bear one another's burdens, and so fulfill the law of Christ.”One of the pioneers in this space is Christian Healthcare Ministries (CHM), the oldest organization in the medical cost-sharing space. Since 1981, CHM has enabled members to share nearly $11 billion in medical expenses. It's a nonprofit organization that operates on biblical stewardship, focusing on members' needs rather than profits.How Does Medical Cost Sharing Work?Instead of paying insurance premiums, members contribute a monthly share amount based on the plan they choose. This amount is typically much lower than traditional insurance premiums. Here's why:Self-Pay Model: CHM members are considered “self-pay” by healthcare providers, which often reduces costs significantly.Reimbursement System: Members submit bills for covered medical services and are reimbursed from the shared pool of funds.For example, under CHM's Bronze plan, the highest annual personal responsibility cost is $6,000 per person—a potentially lower-cost option compared to the high deductibles and out-of-pocket maximums of many insurance plans in the Affordable Care Act (ACA) Marketplace.Key Advantages of Medical Cost-Sharing1. Cost SavingsCHM's nonprofit model focuses on its members rather than shareholders, allowing more resources to be allocated toward medical needs. This often makes it a more affordable option compared to traditional health insurance.2. Freedom of ChoiceUnlike traditional insurance, which often restricts members to a network of providers, medical cost-sharing has no networks. Members can visit any doctor or facility of their choice, and if the service is covered, they'll be reimbursed.3. PortabilityMedical cost sharing is portable, meaning your membership stays with you regardless of job changes or life transitions. Whether you're starting your own business or switching careers, you don't lose coverage.4. Community and PrayerBy joining CHM, you become part of a community of believers who support each other through prayer and encouragement. CHM's customer support team often prays with members, offering compassion and spiritual support during difficult times.5. Lower Overhead and Greater ControlCHM's lower administrative costs translate into lower costs for members. Additionally, with no insurance company acting as a middleman, members work directly with medical providers to set up treatment plans and payment arrangements.Why Consider Medical Cost Sharing?Health insurance companies can be a blessing, especially for catastrophic illnesses, but they're also large bureaucracies heavily regulated by the government. Medical cost sharing avoids many of these challenges, offering a simpler, more faith-focused approach to healthcare.If you've already signed up for health insurance for 2025 but are now considering medical cost sharing, you may still be able to cancel your insurance without penalty.To explore how medical cost sharing can be a biblical solution to healthcare costs, visit CHMinistries.org. You'll find detailed information about plans, benefits, and how to join this faith-based community. Don't miss this opportunity to align your healthcare decisions with your values.On Today's Program, Rob Answers Listener Questions:My husband and I are purchasing term life insurance, and the question has come up—do we make each other the primary beneficiary, with our children as the contingent beneficiaries? We have a blended family, and three of our kids are already grown; two are married, while three are still in the house and getting ready to launch into the world as teenagers.I want some information on savings bonds. I have been to my bank and called my credit union, but neither one deals in savings bonds. I've got a grandson who's turning one, and I thought that might be a good birthday present for him in the future. But I just don't know where to go or what to do to purchase savings bonds for him.We recently sold our house for a good profit, and we're wondering how to tithe on it. Do we tithe on the full amount we received or only on what goes above the initial price and interest we paid?I have a 401(k), and I'd like to know how I can invest according to my values and the available options. The only options seem to be big companies that I'd rather not invest in. Do you have any suggestions?I was thinking of buying these two single-family homes. They're both $150,000 each. I have a property that's worth about $800,000. What are the implications of selling the multi-level property and buying the two single-family homes? Is there something I need to know besides the standard closing costs? The multi-level property is mortgage-free, with nothing owed on it.I bought a car years ago. I still owe about $5,500 on it, with a minimum monthly payment of $185. However, the car is starting to nickel and dime me on the cost of maintenance. The bank owns the title. What are my options here?Resources Mentioned:Christian Healthcare Ministries (CHM)SavingForCollege.comTreasuryDirect.govLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.
Amid accusations that Florida's property insurance companies, including state-backed Citizens Insurance, are deliberately paying only half their claims and “in a state of collapse,” comes new insight and fresh data that debunk the charges. The man behind the allegations is Martin Weiss of Weiss Ratings, who's now the subject of an investigation by state insurance regulators.Former Florida Deputy Insurance Commissioner Lisa Miller shares the new push-back from Citizens' President & CEO on these accusations and sits down with the head of a large private insurance company who shares new data showing why these charges are inaccurate and unfair in what is a tightly-regulated marketplace. Show Notes (For full Show Notes, visit https://lisamillerassociates.com/episode-54-the-truth-behind-the-50-claims-denial/ ) The news stories emerged mere weeks after two devastating hurricanes – Helene and Milton – struck Florida, creating $5.3 billion in estimated insured losses in Florida as of late November 2024. Host Miller dives deep into the controversies and complexities surrounding the state-created Citizens Property Insurance Corporation and the broader Florida property insurance market on its claims handling and claims payment rates. "The innuendo that's going around in the media space is that there is a suspicion that Citizens is trying to cheat its customers, and now forces are trying to extend that innuendo to Florida's private property insurance market companies,” said Miller. “In my opinion, that's just plain dishonest and unfair."The program features soundbites from Weiss, Citizens Property Insurance President & CEO Tim Cerio, and a studio interview with Locke Burt, CEO and Chairman of Security First Insurance Company. Burt served in the Florida Senate for 12 years, where he helped write the laws that created Citizens and the Florida Hurricane Catastrophe Fund.Weiss, in various November media reports, said that he'd reviewed Citizens Property Insurance 2023 annual financial statement and concluded that Citizens didn't pay 50.4% of its 2023 claims. He said that was worse than any private insurance company's no-pay rate. Weiss declined an invitation to appear on the podcast.Burt and Cerio defended Citizens and the broader Florida insurance market against Weiss' accusations, noting there are legitimate reasons claims are closed without payment. It's not always about denial. The reasons include: Claims that fall below the policyholder's deductible. Duplicate claims. Claims related to flood damage, which are not covered by standard homeowners' policies. Weiss, in his criticism of Citizens, was quoted in the media as saying “One factor that we believe is probably playing a role is a deliberate strategy to reduce their liabilities for whatever reason.”Cerio shot back at the December 4, 2024 Citizens Board of Governors meeting. “It's critical to just point out that, we are the state created, not for profit, insurer of last resort. We have no financial incentive to not play claims. Zero,” he said.(For full Show Notes, visit https://lisamillerassociates.com/episode-54-the-truth-behind-the-50-claims-denial/ )Image credit: danielfela/Shutterstock
Come along this week as we talk about wrapping up this season, the insurance shooting and some other interesting topics.
Minnesota client Michael is starting to regret purchasing expensive Plan G for maximum Medicare health insurance protection. As his long-suffering agent predicted. Michael is weary of paying for Cadillac insurance when HDG works so well for so much less! The Medicare Advantage Minute sees Independence BC/BS contending with "Election Anxiety" and using extraordinary measures to "get their story out". Is their "story" really worth hearing? Disappointments in the course of business for an Medicare insurance agent: Frank & Mrs. Frank partake of an agent's professional services. When the agent discovers the misguided insurance company charges a premium of 6% over a DIY enrollment, he discloses this to the clients. Frank decided to grab the 6% and leave the hard-working agent in his rearview mirror! Kathy professes confusion even AFTER reading an excellent book on the subject. Within a few days she had been snatched away by evil trolls! Michael professed a need for dental insurance so his agent provided links to three high-quality options. Months later, Michael professed a need for dental insurance so his agent provided links to three high-quality options. Have you ever seen the movie "Groundhog Day"? Contact me at: DBJ@MLMMailbag.com (Most severe critic: A+) Inspired by: "MEDICARE FOR THE LAZY MAN 2024; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers. Official website: https://www.MedicareForTheLazyMan.com.
You can download your FREE report on how you can avoid financial mistakes as a dentist using the link just here >>> dentistswhoinvest.com/podcastreport———————————————————————Ever found yourself wondering if your latest dental course or training in something like macro photography qualifies for tax relief? Mike Bryan, an expert accountant with a knack for understanding HMRC's tricky rules, is here to clear it all up for you. From exploring how your courses could qualify as tax deductible to diving into the “wholly and exclusively” rule, Mike breaks it all down in simple terms.We cover the ins and outs of claiming tax relief for professional development—whether you're a self-employed dentist with a bit more flexibility or an NHS-employed pro navigating stricter rules. Mike gives you the lowdown on claiming things like professional subscriptions and even dental indemnity insurance, including some sneaky ways to cancel unnecessary policies.If you want to make sure you're not missing out on any tax-saving opportunities, this episode is your go-to guide for navigating the ever-evolving world of dental tax relief.———————————————————————Disclaimer: All content on this channel is for education purposes only and does not constitute an investment recommendation or individual financial advice. For that, you should speak to a regulated, independent professional. The value of investments and the income from them can go down as well as up, so you may get back less than you invest. The views expressed on this channel may no longer be current. The information provided is not a personal recommendation for any particular investment. Tax treatment depends on individual circumstances and all tax rules may change in the future. If you are unsure about the suitability of an investment, you should speak to a regulated, independent professional.Send us a text
The Tax Plan walks you through various tax planning strategies to help you keep more of your hard earned money. Today, we discuss charitable contributions. Spend 15 minutes learning what contributions are deductible and why you might not be getting the tax deduction you think you are! Plus, learn a tip for what to do if your contributions in any given year aren't deductible.
This week we're discussing when legal fees may still be deductible above the line on the 1040.
Healthcare providers face a growing number of patients with high-deductible plans or self-pay options. This episode explores the challenges and solutions with Kristin Whitt, Director of Global Product Management at Zoll Data Systems. Learn 5 actionable strategies to improve revenue capture and protect your practice's financial health, even with a lean staff.This episode is sponsored by Zoll Data Systems.
Looking to drive meaningful change in the health care ecosystem? Look to the Deloitte Health Equity Institute.Health Affairs' Editor-in-Chief Alan Weil interviews Naomi Zewde of the University of California, Los Angeles about her recent paper exploring how high-deductible health insurance plans may exacerbate racial and ethnic wealth disparities.Order the October 2024 issue of Health Affairs.Currently, more than 70 percent of our content is freely available - and we'd like to keep it that way. With your support, we can continue to keep our digital publication Forefront and podcasts free for everyone.
If you think there's only one way to pay for healthcare, maybe it's time to think outside the box of health insurance.Of course, health insurance is a great thing to have, but is it necessarily the best way to pay for healthcare costs? Lauren Gajdek joins us today to discuss medical cost sharing and how it might be a better option.Lauren Gajdek is the Vice President of Communications and Media at Christian Healthcare Ministries, an underwriter of Faith & Finance. What Are People Looking for in Healthcare?Many people are searching for options beyond traditional health insurance. CHM members often seek three key elements:Freedom to Choose Providers: Members value the ability to select their healthcare providers, especially those they trust, without being restricted by a network.Faith-Aligned Solutions: They want a healthcare solution that aligns with their Christian beliefs, which can be hard to find in conventional insurance plans.Lower Costs: Cost is a major factor, and many people are looking for more affordable ways to manage their medical expenses.CHM meets these needs by offering a healthcare solution that allows members to choose their providers and emphasizes a biblical approach to sharing medical expenses.Flexibility in Choosing ProvidersOne significant difference with CHM is that it does not restrict members to a specific network of providers. This freedom is especially valuable in emergencies or when traveling, allowing members to access care without worrying about whether a provider is “in-network.” While they can assist members in finding cost-effective providers for planned procedures, the final choice remains with the member, offering a level of autonomy that traditional insurance often lacks.How Does Medical Cost Sharing Work?Medical cost sharing through CHM allows members greater control over their healthcare decisions. Unlike traditional insurance, no pre-approvals are required. If a medical expense falls within their guidelines, it becomes eligible for sharing among the membership. This means that decisions about care are made by the doctor and the patient without the bureaucracy typically associated with insurance.Why Is CHM More Affordable?CHM is often more cost effective than traditional health insurance due to its unique structure:Self-Pay Discounts: Members can request self-pay discounts, significantly reducing medical costs. Because it operates as a nonprofit ministry rather than an insurance company, these discounts are a vital part of its strategy to lower costs.Strong Provider Relationships: With over 40 years of experience, CHM has built relationships with healthcare providers, allowing them to negotiate better rates for services behind the scenes.The Importance of a Faith-Based ApproachCHM's foundation as a Christian ministry is central to its identity. The organization's mission is rooted in biblical principles, emphasizing the importance of sharing each other's medical burdens. This focus on community and mutual support makes them unique in healthcare solutions. It is a reminder that ministry comes first.CHM offers a flexible, faith-based alternative for managing healthcare costs, making it appealing to many believers. To learn more about how medical cost-sharing works or explore their services, visit chministries.org/faith.On Today's Program, Rob Answers Listener Questions:I have a two-flat apartment building that's worth $700,000. We were offered to sell it, and we're looking at another apartment building in another area for $625,000. I wanted to know what it would cost me to sell mine for $700,000 and buy the other for $625,000. I've never sold a building, so I am still determining what to expect.My son struggles to pay the bills for his business, and he's taken out several payday loans to make ends meet. He needs to connect with someone who can give him business financial guidance or possibly look into debt consolidation. Do you have any suggestions?I'm selling a home and would like to know where to start with everything. I know I need an emergency fund and want to help the children. I also want to put money into another home I'm going into. I don't know where to start with all of this, as it's all new for me since my husband passed away.I've been told there's a way to get a free credit report. I understand the government requires it, but I'm uncomfortable using the internet. Please tell me how I can get my free credit report.Resources Mentioned:Christian Healthcare Ministries (CHM)Wise Women Managing Money: Expert Advice on Debt, Wealth, Budgeting, and More by Miriam Neff and Valerie Neff Hogan, JD.AnnualCreditReport.comLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.
Flip the script from disruption to opportunity! Ted Sims from Integrity Marketing Group joins Sarah to chat about how to prepare for potential Medicare beneficiary shopping as well as how agents can use Integrity tools to streamline work and save time. Contact the Agent Survival Guide Podcast! Email us ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail. Register for Ted Sims' Plan N for the Win Webinar! Resources: Ask Integrity Guide: https://learningcenter.tawebhost.com/Integrity-Getting-Started-Ask-Integrity.pdf Learn about Ask Integrity™: https://integrity.com/ask-integrity/ Learn more about PlanEnroll: https://ritterim.com/planenroll/ Integrity Learning Center: https://clients.integrity.com/learning-center Integrity Training Schedule: https://learningcenter.tawebhost.com/MedicareCENTER-Webinar-Schedule.pdf MedicareCENTER:https://integrity.com/medicarecenter/ Not partnered with Integrity? Register here: https://identity.integrity.com/register Staying Motivated Amidst Change & Disruption: https://link.chtbl.com/ASGM20240710 Tech News Roundup: https://link.chtbl.com/ASGF20240927 What to Do if Your Medicare Part D Plans Become Non-Commissionable: https://link.chtbl.com/ASGN20241005 References: Haubensak, Carrie. “2023 Medicare Supplement Loss Ratios by Plan.” CSG Actuarial, CSG Actuarial, csg-actuarial-wordpress.appspot.com/news/2023-medicare-supplement-loss-ratios-by-plan. Accessed 16 Oct. 2024. “2023 Minnesota Statutes.” Revisor.MN.Gov, Minnesota Office of the Revisor of Statutes, www.revisor.mn.gov/statutes/. Accessed 16 Oct. 2024. Feekin, Doug. “Average Medicare Supplement Rate Increases Lower in 2021.” CSG Actuarial, CSG Actuarial, 15 Sept. 2021, www.csgactuarial.com/news/average-medicare-supplement-rate-increases-lower-in-2021/. “Does Your Provider Accept Medicare as Full Payment?” Medicare.Gov, Medicare, www.medicare.gov/basics/costs/medicare-costs/provider-accept-Medicare. Accessed 16 Oct. 2024. “GA R&R - Guaranteed Issue for Eligible Persons.” Rules.Sos.GA.Gov, State of Georgia, rules.sos.ga.gov/GAC/120-2-8-.12?urlRedirected=yes&data=admin&lookingfor=120-2-8-.12. Accessed 16 Oct. 2024. “Health Care Practitioners Medicare Fee Control Act.” Legis.State.Pa.Us, PA General Assembly, 10 July 1990, www.legis.state.pa.us/WU01/LI/LI/US/PDF/1990/0/0081..PDF. “March 2023 Report to the Congress: Medicare Payment Policy.” MedPAC.Gov, Med Pac, 15 Mar. 2023, www.medpac.gov/document/march-2023-report-to-the-congress-medicare-payment-policy/. “Massachusetts Bulletin for People with Medicare.” Mass.Gov, Commonwealth of Massachusetts, https://www.mass.gov/doc/addendumpdf/download. Accessed 16 Oct. 2024. “Medicare Balance Billing Brochure.” ODH.Ohio.Gov, Ohio Department of Health, odh.ohio.gov/know-our-programs/medicare-balance-billing/resources/medicare-balance-billing-brochure. Accessed 16 Oct. 2024. “Medicare E-Visits.” Medicare.Gov, Medicare, www.medicare.gov/coverage/e-visits-0. Accessed 16 Oct. 2024. “Medicare Participating Physician or Supplier Agreement.” CMS.Gov, Centers for Medicare & Medicaid Services, 1 Nov. 2022, www.cms.gov/medicare/cms-forms/cms-forms/downloads/cms460.pdf. “Medicare Participation Announcement.” CMS.Gov, Centers for Medicare & Medicaid Services, www.cms.gov/files/document/medicare-participation-announcement.pdf. Accessed 16 Oct. 2024. “Medigap Plan N Benefits & Costs 2024.” MedicareSupplement.Com, TZ Insurance Solutions, www.medicaresupplement.com/medigap/plans/n/?force_destination=c3cee4730cf2fe66. Accessed 16 Oct. 2024. “Medicare Supplement Insurance Minimum Standards.” Rules.Sos.Ri.Gov, Rhode Island Department of State, rules.sos.ri.gov/regulations/part/230-20-30-7. Accessed 16 Oct. 2024. “Medicare Supplement Insurance Minimum Standards Regulations.” Dfr.Vermont.Gov, State of Vermont Department of Financial Regulation, dfr.vermont.gov/reg-bul-ord/medicare-supplement-insurance-minimum-standards-regulations. Accessed 16 Oct. 2024. “Medicare Supplement Premium Rates – Looking to the Past and Planning for the Future.” GenRe.Com, Gen Re, 24 Oct. 2023, www.genre.com/us/knowledge/publications/2023/october/medicare-supplement-premium-rates-en. Noga, Russel. “Rate Increase History for Medigap Plans.” Medisupps.Com, Medisupps.com, 10 Jan. 2024, www.medisupps.com/rate-increase-history-for-medigap-plans/. Boccuti, Cristina. “Paying a Visit to the Doctor: Current Financial Protections for Medicare Patients When Receiving Physician Services.” KFF, KFF, 9 Jan. 2017, www.kff.org/medicare/issue-brief/paying-a-visit-to-the-doctor-current-financial-protections-for-medicare-patients-when-receiving-physician-services/. “Revised Questions and Answers Regarding Implementation of Medicare Supplement Plan N Copayment, Deductible and Coinsurance .” CMS.Gov, Centers for Medicare & Medicaid Services, 10 Apr. 2010, www.cms.gov/medicare/health-plans/medigap/medigap-news-email-updates-items/cms1234920. “Supplemental Insurance (Medigap) Plans in Georgia.” Medicare.Gov, Medicare, www.medicare.gov/medigap-supplemental-insurance-plans/#/m/plans?fips=13057&zip=30115&year=2025&lang=en. Accessed 16 Oct. 2024. Fuglesten Biniek, Jeannie, et al. “Traditional Medicare Spending Fell Almost 6% in 2020 as Service Use Declined Early in the COVID-19 Pandemic.” KFF, KFF, 1 June 2022, www.kff.org/medicare/issue-brief/traditional-medicare-spending-fell-almost-6-in-2020-as-service-use-declined-early-in-the-covid-19-pandemic/. Follow Us on Social! Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim X, https://twitter.com/RitterIM and Youtube, https://www.youtube.com/user/RitterInsurance Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ and Threads, https://www.threads.net/@thesarahjrueppel Tina on LinkedIn, https://www.linkedin.com/in/tina-lamoreux-6384b7199/
We present a special long podcast taken from Brian's national call-in election year special America, Are We Ready, this year in partnership with Marketplace's Kimberly Adams. On Today's Show:Julie Rovner of KFF Health News, will explain her reporting on topics like drug prices, the insurance system, and the future of the Affordable Care Act, and how voters are thinking about them. Plus, listeners from around the country weigh in on how healthcare policy could impact their votes.
We begin this episode with advice about staying safe while planting a lip lock on the Blarney Stone. In the Medicare Advantage Minute article, we learn that giant MA purveyor Aetna has had three downward earnings projection adjustments lately. This has cost the CEO his job. In the Medicare Wikipedia page, the Feds spend a lot of time projecting the solvency or insolvency of Medicare. Finally, Toni King fields a question from a liver transplant candidate: how will Medicare pay for the necessary home care post surgery? Toni's answer: they will pay nothing. Contact me at: DBJ@MLMMailbag.com (Most severe critic: A+) Inspired by: "MEDICARE FOR THE LAZY MAN 2024; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers. Official website: https://www.MedicareForTheLazyMan.com.
Car Payments that Go Toward Principal are Not Deductible. Law firm owner looking for bookkeeping and tax strategy? We can help. Free strategy session here -> https://bigbirdaccounting.com/lawfirms
Americans are always seeking opportunities to save on their taxes, and with healthcare costs for retirees continuing to rise, medical expenses are an often untapped area for tax savings. Donna and Nathan discuss how to identify which medical expenses are deductible, and which are not. Also on MoneyTalk, questions you should ask your financial advisor, and some unique retirement lifestyle choices. Hosts: Donna Sowa Allard, CFP®, AIF® & Nathan Beauvais, CFP®, CIMA®; Air Date: 8/22/2024. Have a question for the hosts? Visit sowafinancial.com/moneytalk-radio to join the conversation!See omnystudio.com/listener for privacy information.
Want to understand how to become as tax efficient as possible?Connect with Johnny here: https://www.dentistswhoinvest.com/reducing-tax-bill/———————————————————————You can download your FREE report on how you can avoid financial mistakes as a dentist using the link just here >>> dentistswhoinvest.com/podcastreport———————————————————————Ever wondered what truly qualifies as a tax-deductible expense for your dental practice? Join us for an eye-opening episode where we demystify this complex topic with the expertise of Johnny Binford, a seasoned accountant specializing in dental taxation. Gain clarity on whether home offices, luxury items like Rolex watches, or even a duck house in a pond can be claimed as business expenses. Johnny walks us through the "wholly and exclusively" rule in UK tax law, using fascinating real-life examples such as Malala Andromit's unique case on court attire.Navigate the intricate landscape of dental practice taxation as we dissect the nuances between taxable and tax-deductible expenses. Learn the importance of proportionality when claiming home office deductions and understand the potential pitfalls, including capital gains tax implications. We'll also shed light on a maxillofacial surgeon's failed claims for educational and travel expenses, highlighting the critical need for understanding established tax principles to avoid costly errors.From common deductions like GDC fees, professional courses, and motor expenses to more unique business-related purchases like art and entertainment, this episode is packed with actionable insights. We discuss the tax benefits of electric cars, the intricacies of claiming mobile phone usage, and the differences in tax advantages between limited companies and sole traders. Finally, get practical advice on optimizing your deductions while staying compliant, ensuring you make informed financial decisions for your dental practice. Don't miss our final segment on how to get in touch with Johnny Binford for personalized advice and consultation.———————————————————————Disclaimer: All content on this channel is for education purposes only and does not constitute an investment recommendation or individual financial advice. For that, you should speak to a regulated, independent professional. The value of investments and the income from them can go down as well as up, so you may get back less than you invest. The views expressed on this channel may no longer be current. The information provided is not a personal recommendation for any particular investment. Tax treatment depends on individual circumstances and all tax rules may change in the future. If you are unsure about the suitability of an investment, you should speak to a regulated, independent professional.Send us a Text Message.
Every so often a client 'fesses up and says they should have listened more carefully to my advice. Today we hear from Michael.....! Also, we enjoy correspondence with a couple of other clients, including Marvin who was helping his 88 year-old-neighbor get away from his Medicare Advantage plan. Also, a woman who is working to become a Medicare agent writes in to ask for advice. During our MA minute, the headline reads: Hospitals are dropping Medicare Advantage left and right! Contact me at: DBJ@MLMMailbag.com (Most severe critic: A+) Inspired by: "MEDICARE FOR THE LAZY MAN 2024; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers. Official website: https://www.MedicareForTheLazyMan.com.
AP correspondent Charles de Ledesma reports the EU imposes new sanctions on 'extremist' Israeli settlers.
On this episode of Managed Care Cast, we're talking with the University of Southern California's Erin Duffy, PhD, MPH, an author of a study published in the June 2024 issue of The American Journal of Managed Care®. Her study, "Deductible Double Jeopardy: Patients May Pay More Out of Pocket When Pregnancy Crosses 2 Years" discusses how annual high-deductible insurance plans may increase maternity care costs when pregnancies cross 2 calendar years, causing patients to hit their cost-sharing limits twice.
In this video, I introduce the POND method to determine if expenses are deductible for your business or rental property. The acronym POND stands for Purpose, Ordinary, Necessary, and Documentation. I explain how each factor plays a crucial role in identifying deductible expenses. No action requested from viewers. Thank you for listening to another episode of the Wealth Game Podcast. The goal is to get informal yet actionable advice directly to business owners and investors. The episodes are intended to be short and simple to allow busy professionals to get right to the point of growing their wealth and reducing their taxes. For topic suggestions, questions to cover, or collaboration requests please email admin@wealthgame.io. For additional information and links to all available platforms please visit our website at www.wealthgame.io Contact Us: Website: https://links.wealthgame.io Connect with Brent Bement: LinkedIn: www.linkedin.com/in/brentbement TikTok: www.tiktok.com/@brent_bement Twitter: www.twitter.com/WealthGamePod Threads: www.threads.net/@brentbement Instagram: www.instagram.com/wealthgame.io Facebook: www.facebook.com/wealthgamepodcast YouTube: www.youtube.com/channel/UCigDe1NmrAVG0jeG-6q1Rig
It's a mixed drinks episode! So instead of longer thoughts on one topic, shorter thoughts on three topics.
Rancho Mesa's Alyssa Burley and Vice President of the Landscape Group, Drew Garcia, discuss how landscape businesses can focus on their incident frequency while utilizing a small workers' compensation deductible. Show Notes: Subscribe to Rancho Mesa's Newsletter Director/Host: Alyssa Burley Guest: Drew Garcia Producer/Editor: Megan Lockhart Music: "Home" by JHS Pedals, “News Room News” by Spence © Copyright 2024. Rancho Mesa Insurance Services, Inc. All rights reserved.
What options and rates do Christian Health Ministries offer?CHM is not health insurance, but medical cost-sharing, and nonprofit, enabling us to keep member costs down. CHM shares 100% of eligible medical bills, over $10 billion since its founding in 1981. Here are some of the plan costs to start (for individuals):Bronze, $92 per unit, per month Silver, $138 per unit, per monthGold, $240 per unit, per monthSenior Share, $115 per unit, per monthHow is being a member of Christian Healthcare Ministries more flexible than most health insurance plans?CHM members are not limited to a provider network. They can go to any doctor or hospital if the treatment is eligible according to CHM guidelines. This gives members more flexibility and control over their healthcare than typical health insurance plans.Where does CHM's ministry concept originate?CHM draws its concepts from the New Testament, where the Book of Acts says that all the believers pooled their resources together and shared what they had. So, CHM practically does that nowadays with medical costs. The spiritual component of what they do is vital to CHM, as they also pray for each other and send cards and emails of encouragement. It is an excellent example of the body of Christ serving one another.Where can people get more information?chministries.org/faithfiOn Today's Program, Rob Answers Listener Questions:I've been through over a decade of financial abuse, so I'm starting off having to reestablish with a low income. Are there any investment opportunities with a smaller amount that I can receive returns on, keeping some and then reinvesting the other? Also, do you have any other ideas for someone with a low income?I'm considering retiring to get my money out of the company I work for now, but I don't know how much the government will take because I'm not 65 yet. Is there a cut-off where they don't take anything?When I was stationed in Fort Polk and Fort Hood and bought houses, we had insurance that covered me if something happened to me, and the house would be paid for. I can't find those insurance policies anymore. Do you know of a resource that can help me track those down?Resources Mentioned:Christian Healthcare MinistriesNational Association of Insurance CommissionersRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.
Is THIS Deductible Game & Kat Sleeps With Her Eyes Open
This episode of Tax Tuesday, Toby Mathis, Esq., and Eliot Thomas, Esq., cover topics including paying your children from your business, when you can write off meals as “business” - (hint: it all comes down to ‘intent'), and how often you should meet with your CPA. Submit your tax question to taxtuesday@andersonadvisors. Highlights/Topics: "Does my S-corporation where I am the sole owner and sole employee have to issue a 1099 to me as an individual?" - In general, you're S-corporation, you're an employee, so you would get a W-2. It's what we call reasonable income. "If my husband and I, both shareholders of our C-corp, discuss business over dinner, are we able to be reimbursed for our meals? Is there a list of reimbursable expenses for employees/owners of C-corps that is easier to read than the tax code?" - If the intent was to talk about business, then generally speaking, you can deduct it "Can I sell my solo 401(k) held property, do a 1031 into another investment, and then buy the property back with an LLC?" - first of all, we wouldn't have a 1031 going on with a solo 401(k). We don't have deductions, we just have cash in cash out with our retirement plans. "How are taxes handled differently with capital assets versus repairs, maintenance, and labor of rental properties?" - Every time you lay out cash for one of these repairs or labor, that's going to be an immediate deduction for the full amount. "How do I get tax benefits from paying my children for doing work in the business?" - basically you can just pay them out whatever entity you have. "Are the costs of education specifically related to starting a business deductible, specifically paid webinars or courses taken online. I've read that they are, but apparently many say they are not. Is there some special way to categorize them so that they are deductible?" – If its in a C-corporation or an LLC taxed as a C-corp, we're allowed to deduct the training as training our employees, which you would be an employee of. "I recently purchased a small camper trailer to rent out, my camper rental side hustle per se. "Does this type of rental count as an STR, short term rental, as far as taxes are concerned? Some suggest filing Schedule C while others say Schedule E might be more appropriate. We are not going to use this camper personally. It is for rentals." - If you rent it for 14 days or less, you don't have to report it. It's covered under 280A subsection G2. If you rent it for more than 14 days, it is an investment property. "If I put my rental properties into an LLC, do I have to file both personal taxes and business taxes?" - how is that LLC taxed? It can be a sole proprietorship. It can be a partnership if we had another member, two or more members. It could be an S-corp, could be a C-corp. All those make a difference. "How often should I be meeting with my CPA a year?" - I'm going to really recommend having quarterly meetings with your CPA just to make sure everything's on track. "Can I file my taxes for my LLC as a corporation to get a lower tax percentage? I run short term rentals. I host short term rentals for other owners. I also run short term rentals in the properties I own. I have an S-corp with my husband and I work from home. My accountant said, I cannot deduct my home office expens - we never want to put appreciable real estate into a corporation, S or C, if we're holding onto it for a long time. "Can someone file their taxes through your company?" - Yes, you can. You have to be a tax client Resources: Request a Free Cost Segregation Study https://andersonadvisors.com/CSA/ Tax and Asset Protection Events https://andersonadvisors.com/real-estate-asset-protection-workshop-training/?utm_source=aba&utm_medium=podcast&utm_content=are-educational-courses-tax-deductible Anderson Advisors https://andersonadvisors.com/ Toby Mathis YouTube https://www.youtube.com/@TobyMathis Toby Mathis TikTok https://www.tiktok.com/@tobymathisesq Clint Coons YouTube https://www.youtube.com/@ClintCoons
In this episode, we sit down with Shirin Hund, an internal medicine physician, to explore the impact of high-deductible health plans on individuals with chronic medical conditions like diabetes. Shirin discusses the financial barriers these patients face, the consequences for medication adherence and health outcomes, and the need for legislative changes to improve access to essential care. Shirin Hund is an internal medicine physician. She discusses the KevinMD article, "High-deductible health plans: a barrier to care for chronic conditions." Our presenting sponsor is Nuance, a Microsoft company. Together, Microsoft and Nuance are leveraging their rich digital technology and advanced AI capabilities to tackle some of health care's biggest challenges. AI-driven technology promises to revolutionize patient and provider experiences with clinical documentation that writes itself. The Nuance Dragon Ambient eXperience, or DAX for short, is a voice-enabled solution that automatically captures patient encounters securely and accurately at the point of care. DAX Copilot combines proven conversational and ambient AI with the most advanced generative AI in a mobile application that integrates directly with your existing workflows. Physicians who use DAX have reported a 50 percent decrease in documentation time and a 70 percent reduction in feelings of burnout, and 85 percent of patients say their physician is more personable and conversational. Discover AI-powered clinical documentation that writes itself. Visit https://nuance.com/daxinaction to see a 12-minute DAX Copilot demo. VISIT SPONSOR → https://nuance.com/daxinaction SUBSCRIBE TO THE PODCAST → https://www.kevinmd.com/podcast RECOMMENDED BY KEVINMD → https://www.kevinmd.com/recommended GET CME FOR THIS EPISODE → https://earnc.me/xxc7gj Powered by CMEfy.
This episode of Tax Tuesday with Toby and Eliot is brimming with strategies to supercharge your financial savvy. From unlocking the mysteries of deductions and depreciation to turning real estate activities into a tax-saving powerhouse, we dissect the fine print of the tax code and transform it into actionable advice. The episode covers various topics including handling missed 1099 deadlines, gifting to clients and its tax implications, maximizing deductions, the benefits of cost segregation studies, combining short and long-term rentals for tax advantages, and the intricacies of aircraft depreciation for a flight instructing business. Remember, knowledge is power, especially when it comes to dealing with Uncle Sam. Submit your tax question to taxtuesday@andersonadvisors. Highlights/Topics: Do I have to get a 1099 to every sub who worked on a single family home we are rehabbing? Do I have to send a 1099 to them? And if we do have to get 1099s to parties, I'm assuming we have to get a W-9 from them first? - the duty to send a 1099 is when you pay $600 or more to a contractor. Hi, I am new to setting up a business for real estate investing. My taxes will be startup and training fees. At what percent can I expect there to be write-offs to the business? – If it's a business expense, you'll be able to deduct 100% of that expense. I hadn't claimed depreciation in earlier years, thinking that I wouldn't have to have my basis reduced in the future sale. Is there a way to claim those earlier years that it hadn't been taken, or did my 27 years just begin when I started taking it? - form 3115 can catch all that depreciation back up. Is it too late to do a tax seg on a previously purchased rental property for tax year 2023? And what would be the advantages of doing it for 2023 versus 2024? - It can be done all the way up to the time your return is due the next year with extension. How can I use real estate profits to pay for kids' college without paying taxes? - If it's in an entity, an LLC, just pay them directly from that business. Are gifts to clients, vendors, employees, and members tax deductible,” “If yes, what is the threshold that we can spend on gifts? - it's such a horrible rule. People really don't believe me when I say it's a $25 limit, and yet that's what it is. My tax preparer died a few years ago." "I have not been able to find someone to help me with my taxes. Can I file 2023 before I file 2021 and 2022? Or do I have to file their tax returns in order? - There's no rule out there that you have to do this return or that return. Can you aggregate short-term rentals and long-term rentals together in your portfolio to meet material participation requirements for REPS? - as they are, no, they're two different things. A short-term rental is a different type of business. It's actually not a rental activity, it's just a trade or business. Our LLC installed a $84,000 solar system on a rental property in 2023. Can we take the 30% energy tax credit and deduct the entire 59,976 basis? 84,000 minus 50% of the 30% in 2023 using bonus depreciation. - Quick answer, yes. I did check, $25,200 is correct at 30% Started a small flight instructing business in 2023 and purchased a plane in 1223 Finance. What depreciation options are there, and what would be the best approach if the income stream will not begin until 6/24? - It'd be a 2023 asset, and you can do the bonus depreciation we've talked about. Resources: Request a Free Cost Segregation Study https://andersonadvisors.com/CSA/ Tax and Asset Protection Events https://andersonadvisors.com/real-estate-asset-protection-workshop-training/?utm_source=aba&utm_medium=podcast&utm_content=are-gifts-to-clients-and-employees-tax-deductible Anderson Advisors https://andersonadvisors.com/ Toby Mathis YouTube https://www.youtube.com/@TobyMathis Toby Mathis TikTok https://www.tiktok.com/@tobymathisesq Clint Coons YouTube https://www.youtube.com/@ClintCoons
A strange radio show may be linked to a local legend about stopping an impending apocalypse. On Episode 601 of Trick or Treat Radio we discuss the film Everyone Will Burn from director David Hebrero! We also talk about what a POS Vince McMahon is, we finalize the first inductions into the Trick or Treat Radio Pantheon, and we do incredibly mundane things while an epic soundtrack plays! So grab your Dune popcorn container, ask the devil for some sick pyrokinesis powers, and strap on for the world's most dangerous podcast!Stuff we talk about: Beetlejuice Beetlejuice, Tim Burton, Michael Keaton, Attack of the 50 Foot Woman, David Bowie, David Byrne, the greatest river that ever lived, allergy capital of the world, Dynamic Dudes, Shane Douglas, Johnny Ace, Vince McMahon is a POS, Katt Williams, 2024: The Year of the Comeuppacance, AEW, Janel Grant is All Elite, Good ol' JR, Jim Cornette, Jeff Jarrett, Netflix, my original sediment, Miami Connection, Trick or Treat Radio Pantheon, Kraven Buttstuff, Dune popcorn containers, Zack Carlson, a candy coated shell of friendship, get your dip on, Whodini, The Goldbergs, Weird Al, avoiding STDs, Witching and Bitching, Drafthouse Films, The Visitor, Franco Nero, older films that attain cult classic status, Jessica Jones, relationship Yahtzee, Firestarter, iconic child horror characters, the world according to Professor X, Telekinesis or Psychokinesis, speedsters and archers, torches and pitchforks, angry mobs having block parties, Repossessed, John Huston, The Visitor, Winston 100s, Wyatt Russell, Night Swim, Bryce McGuire, James Wan, Deadwood, Saw, The Conjuring, Patrick Wilson, Patreon Takeover, belated happy 600th, cold snaps, Suitable Flesh, Happy Birthday Brandon Lee, The Crow, Rapid Fire, Showdown in Little Tokyo, Laser Mission, Bruce Lee, upcoming 30th anniversary of The Crow, Sting, Broods with Attitudes, The Progidy, and the Kaleidoscope of Kaos.Support us on Patreon: https://www.patreon.com/trickortreatradioJoin our Discord Community: discord.trickortreatradio.comSend Email/Voicemail: mailto:podcast@trickortreatradio.comVisit our website: http://trickortreatradio.comStart your own podcast: https://www.buzzsprout.com/?referrer_id=386Use our Amazon link: http://amzn.to/2CTdZzKFB Group: http://www.facebook.com/groups/trickortreatradioTwitter: http://twitter.com/TrickTreatRadioFacebook: http://facebook.com/TrickOrTreatRadioYouTube: http://youtube.com/TrickOrTreatRadioInstagram: http://instagram.com/TrickorTreatRadioSupport the show
Make sure to wear your poncho when seeing Watchmen the Musical on Broadway.Discussed: Astral Ascent, God of War Ragnarok Valhalla, Golden Sun---Find us everywhere: https://intothecast.onlineJoin the Patreon: https://www.patreon.com/intothecast---Follow on Threads: https://threads.net/@intothecastFollow on Tumblr: https://intothecast.tumblr.com---Follow Stephen Hilger: https://stephenhilgerart.com/Follow Brendon Bigley: https://threads.net/@brendonbigleyProduced by AJ Fillari: https://bsky.app/profile/ajfillari.bsky.social---Season 6 Cover Art by Scout Wilkinson: https://scoutwilkinson.myportfolio.com/Theme song by Will LaPorte: https://instagram.com/ghostdownphoto---Timecodes: (00:00) - Hello! (05:09) - Astral Ascent (45:48) - H&R Block (48:12) - God of War Ragnarok Valhalla (01:10:26) - Console Talk (01:20:32) - On Skype (01:24:17) - Golden Sun (02:09:19) - E3 2018 ---Thanks to all of our amazing patrons including our Eternal Gratitude members:GrokCorey ZDirectional JoySusan HOlivia KDan SIsaac SWill CJim WEvan BDavid Hmin2Aaron GVErik MRedmage77Joshua JTony LDanny KSeth MAdam BJustin KAndy HDemoParker EMaxwell LSpiritofthunderJason WJason TCorey TMinnow Eats WhaleCaleb WfingerbellyJesse WMike TCodesWesleyErik BmebezacSergio LninjadeathdogRory BA42PoundMooseAndrewJustin MPeterStellar.BeesBrendan KScott RwreckxNoah OMichael GArcturusChris RhepaheCory FChase ALoveDiesNick QWes KChris MRBMichaela WAdam FScott HAlexander SPTherese KjgprintersJessica BMurrayDavid PJason KBede RKamrin HKyle SPhilip N ★ Support this podcast on Patreon ★
Just in time for open enrollment, Jack talks with Elizabeth O'Brien at Barron's about HSA accounts, and why a medical plan with an ugly name is worth a look. Learn more about your ad choices. Visit megaphone.fm/adchoices
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