Podcasts about deferment

Student loan borrowers face significant changes as collection practices resume and the Department of Education faces potential dismantling by December 2026. Deborah Paul from the Louisiana Office of Student Financial Assistance explains what borrowers need to know about these changes and how to navigate them effectively.• Student loans are considered in default after 270 days without payment• Only 38% of student loans are currently being paid as agreed• Default consequences include wage garnishment (up to 15%), tax refund seizure, and credit damage• Collection activities resume May 5th with at least 30 days notice before garnishment begins• Borrowers can rehabilitate defaulted loans with 9 consecutive monthly payments• Income-driven repayment plans calculate payments based on what borrowers can afford• Deferment options exist for those returning to school, serving in military, or facing economic hardship• Forbearance provides temporary relief for short-term financial difficulties• The Department of Education dismantling would transfer functions to Treasury, HHS, and Justice departments• Check your loan status at studentaid.gov by accessing the National Student Loan Data System• Dual enrollment programs allow high school students to earn college credits, potentially graduating with associate degrees• Future changes may include eliminating PLUS loans, increasing Pell Grant requirements, and decreasing loan limitsContact Federal Student Aid at studentaid.gov to check your loan status and explore your options. Default can severely impact your financial future, so take action now before collection activities intensify.Have an idea for a show or a question for Kim? Send us a text messageSupport the showWelcome to Money Matters, the podcast that focuses on how to use the money you have, make the money you need and save the money you want – brought to you by Neighbors Federal Credit Union. The information, opinions, and recommendations presented in this Podcast are for general information only and any reliance on the information provided in this Podcast is done at your own risk. This Podcast should not be considered professional advice.

Chris Stafford shares how delegation, gratitude, and intentional living transformed his real estate business and life, showing agents how to achieve holistic success.(00:03) - Introduction to The REI Agent Show by Mattias and Erica(00:15) - Mattias Introduces The Focus of The REI Agent: Real Estate and Holistic Living(00:38) - Recap of Topics: Agent-Focused on Tuesdays, Investor-Focused on Thursdays(01:05) - Mattias and Erica Discuss Family Life and Parenting Styles(03:45) - Use of Tablets for Kids During Travel: Balancing Technology and Parenting(06:12) - Parenting Pressure and Giving Grace to Parents(08:00) - Introduction to Chris Stafford, Real Estate Coach(08:45) - Chris Discusses His Real Estate Journey from CPA to Listing Agent(12:30) - Chris's Personal Story: Overcoming Challenges, Moving to Panama(15:25) - Transitioning Real Estate Business to Panama and Digital Nomad Life(18:05) - The Importance of Delegation and Deferment in Real Estate(21:45) - Chris's Approach to Gratitude and Mindful Living(25:30) - Chris Shares Tips on Remote Real Estate Work and Zoom Presentations(29:05) - Final Thoughts: Holistic Success in Real Estate and LifeContact Christopher Stafford Agent Unleashed Facebook Instagram YouTube LinkedIn TikTok--Stay in touch with The REI Agent at https://reiagent.com#TheREIAgent

There is a big challenge in today's marketplace that's popping up left and right for sales professionals—Decision Deferment Objections. If you're running into stakeholders who say, “Let's just hold off a bit,” “We need more time,” or “We want to wait until the market settles,” then we're going to dive into why this is happening and, more importantly, how you can handle these sales objections with confidence and skill. Turbulent Times Breed Buyer Fear The market is swinging like a pendulum on steroids, and it's making everyone skittish. You've got tariffs, trade wars, and a spike in economic uncertainty. Buyers read The Wall Street Journal or check their news feeds, and the headlines scream “Turmoil!” They panic. So they defer decisions, walk away from deals, or play the “wait and see” game. Decision deferment objections are a natural consequence of fear. People want to avoid making the wrong move. It's easier to hit the pause button than to commit to something they're not 100% sure about. That fear, in many ways, is irrational. But it's a brick wall that will shut down your deal if you let it. So how do you avoid letting hesitation, stalling, and decision deferment kill your deals during market uncertainty? It starts with a fundamental truth: to succeed in this environment, you must sell better. Because when people are fearful, indecisive, or uncertain, how you sell matters far more than what you sell. Why Buyers Pull Back and Defer Decisions In uncertain and volatile times, mistakes come with severe penalties. A stakeholder who chooses the wrong vendor, invests in the wrong technology, or commits resources too soon might put their entire business or career at risk. So they freeze. They put it off. They say, “We'll need a little more time to think about it,” or “We need to run the numbers again,” or “Let me talk to my boss.” If you haven't uncovered real fears, addressed them, and methodically advanced the deal, you'll hit a wall of deferment decision objections at maximum force. That's why I often sound like a broken record—but repetition is the mother of skill. The basic steps to closing in an uncertain market are fundamental: Execute your sales process flawlessly Consistently ask for micro-commitments to advance the sale Present a compelling, airtight case for change Ask your stakeholders to make a decision confidently and without hesitation Handle objections with empathy Closing Is Not a Single Moment in Time A lot of sales reps treat the close as one magic moment—like flicking a switch. But in reality, closing is a series of micro-commitments that happen throughout the sales process. Every time you get a commitment to a next step, your buyer to leans in just a bit more, and you set the stage for a final “yes.” When times are normal, a halfway-decent rep can skip a few steps and still get deals across the finish line. But in a crisis or uncertain market, that sloppy approach falls apart. You must consistently get micro-commitments and keep advancing—because if you let the ball drop even once, you'll give your stakeholders an opening to stall or back out with objections like “We going to hold off,”  or “We're just going to stick with what we have until the economy gets better.” Tough Objections? Check Your Upstream Sales Process For this reason, if you are getting hammered at the close with brutal objections, it usually means you made mistakes earlier in the process. So instead of obsessing over how to wordsmith your objection rebuttals, you might need to re-examine how you qualified and sold from the get-go. Tough objections at the 11th hour are typically a symptom of an earlier problem. So, what do you do? Qualify better upfront—Are these the right prospects? Are you sure they have a budget, authority, need, and timeline? Is there a compelling reason for them to change? Ensure you're dealing with real decision makers—If you're stuck with “influencers” ...

On this episode of Ghost-Spider Groupies: Abigail and Pax discuss TVA #4! Determined to find the cause behind the Madness, Gwen travels to New Orleans with the team and once again visits the TVA's basement searching for answers. She learns the hard way that some mysteries might be better off unsolved when she has a nightmarish encounter! Plus: The Week-Gwend Update, reflecting on Multiverse of Madness, and Avengers: Doomsday talk! E-mail us at ghostspidergroupies@gmail.com, follow us on Bluesky, or tweet us @GSGroupies with any questions or thoughts on the show and next week's comic, Concert of Champions #1. Check out our Patreon: https://www.patreon.com/gsgroupies Thanks for listening. Spider-Gwen/Ghost-Spider Reading List and Where to Buy This week's comic: TVA #4 Next week's comic: Concert of Champions #1 Credits Co-Producer: Dan Connors Producers: Justyn Araya, Con Elder, Kevin McCarthy Music: Green Daze by Audionautix http://audionautix.com

"But if you're really clear that this is a terrible idea, you need to say that you think this is a terrible idea. And probably give some reasons for it because we are in a collaborative space."Karen & Paul explore the importance of saying no in collaborative spaces. They explore why people hesitate to say no, its impact on relationships, and how to say no effectively.

 This week, Tokyo Academics Lead Admissions Consultant Jennifer Liepin navigates the complex landscape of summer programs for high school students. Drawing from her extensive 20-year experience in college admissions, Jennifer demystifies the selection process, evaluating everything from pre-college programs and research opportunities to internships and passion projects. She offers expert insight into what both families and Admissions Officers truly value in summer experiences, helping students make informed decisions that align with their academic and personal goals. Plus, with Early Decision results now rolling in, Jennifer provides timely guidance on handling deferment notifications and next steps for affected students. Whether you're planning ahead or adapting your college strategy, this episode delivers practical wisdom for making the most of your summer opportunities. Join free webinars at www.tokyoacademics.com/eventsNeed help applying to college? Contact us for a free consultation where we'll discuss your strengths, weaknesses, and provide an initial assessment to optimize your success. If you want to maximize your chances of getting into your dream schools, we can help! Visit www.tokyoacademics.com/free-trial.

- FOLLOW RISHI SHARMA'S AMAZING “REMEMBERING WW2” CHANNEL: https://www.youtube.com/@RememberWW2  - SUPPORT RISHI'S MISSION TO INTERVIEW ALL SURVING WW2 VETERANS: http://Www.gofundme.com/250ww2heroes  (***TIMESTAMPS in description below) ~ Jake Ruser is a WW2 Veteran, Medic & living legend. He landed on the beaches of Northern France w/ the Allied Forces in 1944 –– and made his way into Nazi Germany right before it's fall in May 1945. PATREON https://www.patreon.com/JulianDorey  FOLLOW JULIAN DOREY INSTAGRAM (Podcast): https://www.instagram.com/juliandoreypodcast/   INSTAGRAM (Personal): https://www.instagram.com/julianddorey/   X: https://twitter.com/julianddorey  GUEST LINKS RISHI SHARMA TT: https://www.tiktok.com/@rememberww2  JULIAN YT CHANNELS - SUBSCRIBE to Julian Dorey Clips YT: https://www.youtube.com/@juliandoreyclips    - SUBSCRIBE to Julian Dorey Daily YT: https://www.youtube.com/@JulianDoreyDaily    - SUBSCRIBE to Best of JDP: https://www.youtube.com/@bestofJDP    CREDITS: - Host, Producer, and Editor: Julian Dorey - In-Studio Producer: Alessi Allaman - https://www.instagram.com/allaman.docyou/  ****TIMESTAMPS**** 0:00 - Jake's Nazi Gun; Rishi's Story 4:49 - Growing up in the Depression 12:25 - Father served in WW1 15:29 - Jake remembers Day of Pearl Harbor Attack 18:19 - Deferment, Draft & Basic Training 27:04 - Set Boobie Traps 31:04 - No understanding of War 35:54 - Nazis & Geneva Convention; Hitler's Rise 39:34 - Talking w/ Dad; Shipped to Hoboken & England; Outrunning German UBoats 49:24 - Nazi Germany bombs Jake in England 52:24 - D-Day & Preparation Disaster 1:04:09 - Saving Private Ryan D-Day vs Reality 1:06:39 - Insane Jersey Shore UBoat Story 1:09:54 - D-Day goes down; Jake Lands on beach 1:20:14 - Breaking down every D-Day beach landing, Band of Brothers Easy Company 1:25:54 - Jake's first missions ashore Europe 1:34:24 - Getting hit w/ White Phosphorus Shells 1:42:39 - Cherbourg captured; Vibe on the ground 1:47:24 - Mortar Barrage 1:55:44 - Marching on Nazi-Occupied Paris; Bombers attack; Jake treats Nazi 2:06:09 - Jake's WW2 Medals 2:08:44 - Saint Lo (July 1944); George Patton; Comfort in Battlefield death 2:15:04 - Nazi Panzer Divisions; Battle of Mortain 2:21:29 - Paris Liberated; Nazi Snipers go rogue 2:29:54 - Orders after Paris fell 2:35:29 - Preparing for Battle of Hurtgen Forest 2:40:54 - The Battle of Hurtgen Forest 2:52:29 - How Hurtgen Ended; Dead STILL being collected from Hurtgen 3:00:29 - Meeting President at D-Day Memorial 3:04:16 - Build up to the Battle of the Bulge 3:06:58 - Germans attack at Battle of the Bulge 3:09:52 - Story of the Nazi Gun & Fighting thru Belgium 3:18:24 - Entering Germany in 1945; Nazi Prisoners 3:26:34 - Jake finds out Hitler's dead 3:29:49 - German UBoat Scare; Another UBoat surrenders to Jake's Captain 3:32:34 - Jake takes care of paraplegic patients 3:34:38 - Jakes' Service Julian Dorey Podcast Episode 255 - Jake Ruser Music by Artlist.io

In this episode of ShiftShapers, host David Saltzman discusses the recent Supreme Court decision to overturn the 40-year Chevron Deferment precedent and its implications for advisors and their clients. Joined by Jennifer Berman, ERISA attorney Jennifer Berman, the NABIP (National Association of Benefit Insurance Professionals) Legislative Vice Chair and CEO of MZQ Consulting, the discussion explores the decision's potential long-term effects on federal regulations and compliance in the healthcare sector. They delve into how this ruling shifts the responsibility from federal agencies to the judiciary in interpreting ambiguous statutes and assess the impact on specific regulations like compensation disclosures under the Consolidated Appropriations Act. Berman emphasizes to advisors and employers the importance of maintaining fiduciary duties and regulatory compliance while staying informed about future changes.More from MZQ ConsultingKey Takeaways:SCOTUS Decision Impact: The Supreme Court recently overturned the Chevron Deferment, shifting the power of interpreting ambiguous federal statutes from federal agencies to the judiciary. This major change may lead to increased challenges to existing regulations.Immediate Effects on Law: Currently, the ruling doesn't change existing laws or regulations. However, advisors should anticipate more court challenges to federal regulations based on ambiguities in the underlying statutes.Advisors' Immediate Actions: Advisors should communicate to their clients that no immediate changes are necessary. They should continue to follow current laws and regulations and focus on fulfilling their fiduciary duties.Potential Healthcare Changes: Specific areas in healthcare, such as compensation disclosures and mental health parity, may become more contentious and face judicial challenges. However, statutory requirements like HIPAA, COBRA, and ACA reporting remain intact.Need for Robust Fiduciary Processes: Advisors should emphasize the importance of maintaining documented fiduciary processes, including setting up committees, meeting regularly, and properly documenting actions to demonstrate compliance and best efforts.

Daniel and Logan discuss deferment on loans and how to strategically payoff debt.

Alyssa-Rae McGinn and Jenna Farrell discuss the Student Loan Deferment for Sexual Violence Survivors Act, which seeks to establish a student loan deferment option for victims of sexual violence who temporarily withdraw from college to seek treatment and focus on mental and physical health rehabilitation (Episode 106)

October 29, 2023 Preparation for Worship Time for Gathering Opening Hymn “The Solid Rock” My hope is built on nothing less than Jesus' blood and righteousness I dare not trust the sweetest frame but wholly lean on Jesus' name Chorus On Christ the solid Rock I stand All other ground is sinking sand All other ground is sinking sand When darkness veils His lovely face I rest on His unchanging grace In ev'ry high and stormy gale my anchor holds within the veil [Chorus] His oath His covenant His blood support me in the whelming flood When all around my soul gives way He then is all my hope and stay [Chorus] When He shall come with trumpet sound O may I then in Him be found Dressed in His righteousness alone faultless to stand before the throne [Chorus] Prayer of Praise Song of Worship Prayers of the Church and Prayer of our Lord Offering and Doxology Scripture Lesson Proverbs 13:12 Sermon Hope, Deferment & Desire Closing Hymn “You Are My Hiding Place” You are my hiding place You always fill my heart With songs of deliverance Whenever I am afraid I will trust in You Bridge I will trust in You Let the weak say I am strong In the strength of the Lord Benediction: BIRTHDAYS & MEMBER SPOTLIGHT FEATURING JOHN & KAREN BOATRIGHT • New Study: How we Got the Bible: Sundays| 9 AM in the Sunshine Room and via Zoom • Sunday Prayer: Sundays | 9:30 AM in the Church Office and via Zoom • Bible Study: Mondays | 12 & 6 PM in the Sunshine Room and via Zoom • Fellowship Coffee Hour: Wednesdays | 10 AM in the Sanctuary, join us before Issues Hour for coffee and donuts. • Issues Hour: Wednesdays | 11 AM in the Sunshine Room and via Zoom • Men's Lunch: 1st & 3rd Wednesdays | 12:30PM at Blueberry's Café • F3 Ladies Luncheon: Monday, November 13th | 12PM at Bice. Individual checks, please sign up. • Blue Zones Walk: Saturday, November 18th | 8:30AM at the Naples Botanical Garden. • Free Concert featuring Mike Kinnebrew: Saturday, November 18th | 4PM here at the church. • The chancel flowers are given today by Mary Miller in memory of Ann Shimer who would have been 57. --- Send in a voice message: https://podcasters.spotify.com/pod/show/naplescommunitychurch/message

Mary is struggling to compare two job offers: one from a large corporation and another from a tiny business. How should she decide? An anonymous caller wants to buy a different home, and convert his current home into a rental. How should he finance this move? Christina recently slayed her debt and put herself on track for financial success. But now she's bored. How can auto-investing be more exciting? Speaking of debt, Christina shares a creative HACK to SAVE $60,000 in student loan interest payments.  Former financial planner Joe Saul-Sehy and I tackle these four questions in today's episode. Enjoy! P.S. Got a question? Leave it here. For more information, visit the show notes at https://affordanything.com/episode463 Learn more about your ad choices. Visit podcastchoices.com/adchoices

REGIONS: Comelec to rule on Negros Oriental BSKE deferment | June 27, 2023Subscribe to The Manila Times Channel - https://tmt.ph/YTSubscribe Visit our website at https://www.manilatimes.net Follow us: Facebook - https://tmt.ph/facebook Instagram - https://tmt.ph/instagram Twitter - https://tmt.ph/twitter DailyMotion - https://tmt.ph/dailymotion Subscribe to our Digital Edition - https://tmt.ph/digital Check out our Podcasts: Spotify - https://tmt.ph/spotify Apple Podcasts - https://tmt.ph/applepodcasts Amazon Music - https://tmt.ph/amazonmusic Deezer: https://tmt.ph/deezer Stitcher: https://tmt.ph/stitcherTune In: https://tmt.ph/tunein#TheManilaTimes Hosted on Acast. See acast.com/privacy for more information.

In this episode, Emily interviews Meagan McGuire, a Certified Student Loan Professional and consultant with Student Loan Planner. Meagan goes over all the pertinent terms of the upcoming modified REPAYE plan, which is expected to join the other options for income-driven repayment plans in 2023. The relatively more generous terms of the modified REPAYE plan, such as the revised payment calculation and the interest subsidy, make it an attractive option not only for borrowers already in repayment but also for those currently eligible for deferment. That's right! If you are a grad student, don't default into deferring your student loans after the administrative forbearance ends! Instead, consider whether it's worthwhile to enter repayment under modified REPAYE. You could potentially avoid all of the interest that would have accrued on your unsubsidized loans during grad school and/or reduce the number of years you have to pay on your loans post-PhD—all for free or a low cost. If you hold any federal student loans, do not skip this episode!

In today's episode, I sit down with the Associate Director of Student Orientation and Transition Services, Kylee Hopkin. We discuss everything families needs to know to help their students through the orientation process, including helpful tips and resources.    New Student What's Next Page: https://www.usu.edu/admissions/whatsnext/ Creating a Delegate: https://myid.usu.edu/ Online Orientation Modules: https://www.usu.edu/orientation/ Submitting a Deferment: https://www.usu.edu/admissions/deferment/ USU Parent & Family Programs: https://www.usu.edu/parents/ Schedule an appointment with Sierra: https://ususierralaw.youcanbook.me/; sierra.law@usu.edu; 435-797-7557   Guest Kylee Hopkin - Student Orientation and Transition Services 

James Lambridis of DebtMD shares two short posts covering how to manage student loans and student loan deferment Episode 2214: 5 Tips to Manage Student Loans AND What is Student Loan Deferment? by James Lambridis With the right information, you can take charge of your finances. DebtMD helps people pay off all types of debt by connecting them with the professional help they need to become debt free. Featured in Forbes, U.S. News & World Report, Yahoo Finance, and Fox Business The original posts are located here: https://debtmd.com/blog/tips-to-manage-student-loans & https://debtmd.com/blog/student-loan-deferment  Visit Me Online at OLDPodcast.com Interested in advertising on the show? https://www.advertisecast.com/OptimalFinanceDaily Learn more about your ad choices. Visit megaphone.fm/adchoices

James Lambridis of DebtMD shares two short posts covering how to manage student loans and student loan deferment Episode 2214: 5 Tips to Manage Student Loans AND What is Student Loan Deferment? by James Lambridis With the right information, you can take charge of your finances. DebtMD helps people pay off all types of debt by connecting them with the professional help they need to become debt free. Featured in Forbes, U.S. News & World Report, Yahoo Finance, and Fox Business The original posts are located here: https://debtmd.com/blog/tips-to-manage-student-loans & https://debtmd.com/blog/student-loan-deferment  Visit Me Online at OLDPodcast.com Interested in advertising on the show? https://www.advertisecast.com/OptimalFinanceDaily Learn more about your ad choices. Visit megaphone.fm/adchoices

James Lambridis of DebtMD shares two short posts covering how to manage student loans and student loan deferment Episode 2214: 5 Tips to Manage Student Loans AND What is Student Loan Deferment? by James Lambridis With the right information, you can take charge of your finances. DebtMD helps people pay off all types of debt by connecting them with the professional help they need to become debt free. Featured in Forbes, U.S. News & World Report, Yahoo Finance, and Fox Business The original posts are located here: https://debtmd.com/blog/tips-to-manage-student-loans & https://debtmd.com/blog/student-loan-deferment  Visit Me Online at OLDPodcast.com Interested in advertising on the show? https://www.advertisecast.com/OptimalFinanceDaily Learn more about your ad choices. Visit megaphone.fm/adchoices

Getting an education is often considered the key to success. But, a problem that many students face is the cost of education. In this week's episode, Dreamer Chris Corinthian shares resources and helpful tips to get different scholarships and passive income opportunities that students can use. In this episode, Chris Corinthian discusses:How he paid off his $48,000 student loanDeferment of loans and its long-term impact on financesThe Debt-Free Degree Triangle frameworkPassive income opportunities for college studentsHow and where to get scholarshipsTips on graduating debt-freeIf you enjoyed today's episode, here's what you can do to support me and help more Dreamers discover the podcast:Leave a review on Apple Podcasts or wherever you listen to podcasts. I read every single review. I will select one review to read on the podcast every month.Follow the podcast, so you never miss an episode: Apple Podcasts | Google Podcasts | Spotify | iHeart Radio | Amazon Music | Listen NotesShare the podcast with your family, friends, and co-workers.Tag the podcast on Instagram @thedreamers.podcast and let me know what you like about it.Would you rather watch this episode? Go to our YouTube channel to enjoy the video version. And while you're at it, click the bell to subscribe so you can get notified when a new episode comes out.TOPIC POINTSHis journey to pay off his student loans [2:32]Deferment does not mean that the interest stops growing [3:54]How to graduate debt free through Debt-Free Degree Triangle framework [5:14]Affiliate programs are one of the ways students can earn money [7:58]Five essential essays you need to write to get over 100 scholarships [10:10]Different video essay scholarship programs [19:15]Financial Literacy 101 contents [20:25]Connect with Anne-Lyse:Website InstagramInstagram (Personal) 

#Biden #student #loan deferment will cost taxpayers $40 billion? Critics have said the student loan forgiveness significantly increases the deficit and helps more affluent Americans significantly more than less educated, poorer Americans.Plus: A video of First Lady Jill Biden speaking at the American Federation of Teachers convention in July has recently surfaced, and it affirms the notion that the Biden administration is solidly behind the teaching of radical ideas such as critical race theory and gender ideology.Links:https://justthenews.com/nation/states/center-square/bidens-student-loan-deferment-will-cost-taxpayers-40-billion-group-says---Its like a real life Jerry Springer show. So much so, that I actually feel normal in this crazy world.Life is a journey, an #exploration. Be different, be #free, and inspire to #motivate!Come and hang out with The Meatball Rocci Stucci, and let figure out this thing they call life.7:00PM CST - TRSS

Have you ever wondered about what deferment is and what it does!? Today we have Hasina, one of our ROCKSTAR AGENTS go over what it's like to move forward with a deferment. Hasina drops all types of knowledge on us in this episode. So if you want to know the ins and outs, listen to this podcast RIGHT NOW. --- Send in a voice message: https://anchor.fm/lorialvarez/message

Deferment is beautiful when it applies to things like loans, or things in that nature. But deferment is not so beautiful when it's your hope. Check out today's episode as I share on the challenges that come when our hopes are deferred.

When will you have to pay the piper for his music? Be sure to check out Episode 6 of Season I with Max Hansen for a more technical “in the weeds” detail on IRS Section 1031 Deferment of Capital Gains if you are looking for the concise, legalese, attorney-speak because this episode is not that. As we bring Max back for Season III, we keep it high-level and casual in discussing the general status and overall effectiveness of this hot-button issue.

Micah and Tammy have been seeing lots of mistakes and missteps happening lately, with more people reaching out to see whether they were wrong or right—and often having to find ways to fix the things that weren't right. So in today's episode, they're jumping in to address a few of the situations they have been dealing with and share insight into how you can avoid mistakes and bad advice. You can find all show notes for this episode at: https://plan-your-federal-retirement.com/54 

Businesses that borrowed funds from the COVID-19 Economic Injury Disaster Loan program since 2020 will have extra time to begin repayment after the SBA extended the deferment period. Host Gene Marks talks about the benefits to small businesses, while also sharing insights on a Microsoft survey that showed 50% of leaders wanted their employees back in the office. What is your business doing to remain flexible? Also, some states are reimbursing businesses for getting employees trained in courses provided by the state. DISCLAIMER: The information presented in this podcast, and that is further provided by the presenter, should not be considered legal or accounting advice, and should not substitute for legal, accounting, or other professional advice in which the facts and circumstances may warrant. We encourage you to consult legal counsel as it pertains to your own unique situation(s) and/or with any specific legal questions you may have.

Brennan Scarlett is an NFL linebacker for the Miami Dolphins, previously a teammate of Brian's with the Houston Texans. He is also an entrepreneur and founder of Scarlett Creative a media and creative branding company. On this podcast, Brennan and Brian talk on approaches, and the benefits of mediation, the importance and concept of manifestation, training structure and resources to support success throughout the entire year, not just in season. The boys also talk on the importance of belief and identity, how balancing and growing life and interests off the field carry over to the field. Additionally Brennan and Brian speak on how to incorporate short term deferment and truly put the time into things worth of your time. Hope you enjoy!

In this episode: Reminder of Net Investment Income Tax impact and the potential expansion proposed in the Build Back Better Bill. Child Tax Credit recipients need to look for Letter 6419 to turn in with their tax paperwork. Those business owners that took advantage of the deferred Social Security tax need to pay half of the amount due by December 31, 2021 and the remainder by December 31, 2022.  IRS notices of payments due are being sent out that don't always equal half the amount deferred so please pay attention! ERC is proposed to be extended for business owners that had a drop in revenue or partial to full shut down. The Gift Tax Cap has been raised from $15,000 to $16,000 per person for 2022. We also hear from Loida Hopkins, Founder and CEO of Spanglish Food in Dover, DE about her entrepreneurial journey.  She tells us about how she's honoring her heritage, the secret to success and what it takes to be a business owner and a mom.  

Related Links:NerdwalletFind Anna's work on NerdwalletFollow Anna on TwitterIncome-Driven Repayment PlansBorrower Defense Loan DischargePublic Service Loan ForgivenessClosed School DischargeTotal and Permanent Disability Dischargehttps://studentaid.gov/ --Anna Helhoski is a student loan expert at NerdWallet. Her work has appeared in The Associated Press, The New York Times, The Washington Post and USA Today. She previously covered local news in the New York metro area for the Daily Voice and New York state politics for The Legislative Gazette. She holds a bachelor's degree in journalism from Purchase College, State University of New York.--To learn more about Maggie and her coaching and speaking services, visit www.maggiegermano.com.The theme music is called Escaping Light by Aaron Sprinkle. The podcast artwork design is by Maggie's dear husband, Dan Rader.

The show goes into techniques that runners are confronted with on a day to day basis. Might be the one or other show episode does resonate with you… that's ok, but you wont walk away having wasted your time. Because its all about delivering high quality content. See I have not only been a runner for the past 35 years, having worked with athletes be it in the states, in Europe, people or let me say runners' we sometimes have issues. OK, sounds weird. We sometimes get stuck. We don't get the race results we trained for. We don't participate in races. Or we get injured too often. Or we don't progress. And a quick note…. Because sometimes I get a mail from a listener along the lines of justifying why NOT taking part in a race is “ok”. First off, it's a free country. At least where I am living. Of course you don't need to participate in a race. However, there are so many beneficial side effects of taking part in a official race. No not talking about a virtual run. A real race, where you are in a crowd, surrounded by others, feel that vibe, that sensation of being overtaken of overtaking, of sticking to a pacer, loosing sight of the pacer. You should listen to the previous shows where I go into the benefits of running a race. Don't wont to repeat myself. Fact is measure of progress the overcoming of a fear, the spirit of competition will ensure you strive to obtain your best. And where or when in everyday life do you do that? Yeah exactly. OK back to todays topic. Hang on did you notice? We dove straight in, no ads, no recommendation for a yuck awful tasting sports drink? No ad for the best trail shoes ever? So that should be enough reason already to recommend the show. Do give it a share to someone who you thinks needs to hear this. Now to those worries you have about running a marathon. The top fears: · Marathon Fear #1: Not Finishing. · Marathon Fear #2: Deferment. · Marathon Fear #3: Coming in Last. · Marathon Fear #4: Getting Injured. · Marathon Fear #5: Bathroom Emergencies. · Marathon Fear #6: Getting Lost. · Marathon Fear #7: Bad Weather Conditions. Marathon Fear #8: Hitting the Wall.SHOWNOTES What does this mean for our running? Find out more, give it a listen. It will grow on you.... https://www.amazon.de/-/en/Heiko-Stribl/dp/B093RV4YTH/ref=sr_1_1?dchild=1&keywords=heiko+stribl+brain&qid=1630998885&sr=8-1 https://www.fiverr.com/share/AdwGgq https://hypnorun.com https://www.amazon.de/-/en/Heiko-Stribl-ebook/dp/B093YCFXLB/ref=sr_1_4?dchild=1&keywords=heiko+stribl&qid=1630998999&sr=8-4 https://www.youtube.com/channel/UCuoAaTiD4Dc2tMl5r3P09-g?view_as=subscriber https://www.instagram.com/advanced_endure https://twitter.com/combat_thoughts

The previous verses showed the corruption of the Church on earth by intermarriage with the godless. Therefore, the salt and light of God's people has less and less effect upon the world. Which leads to a great increase in sin and violence upon the earth, and calling down God's righteous judgement---1- God's Discernment--2- God's Disappointment--3- God's Decree--4- God's Deferment

Paying tithing helps us remember that our material possessions come from the Lord.

The Department of Education recently announced some significant temporary changes to the Public Service Loan Forgiveness (PSLF) program called the Limited Waiver Program. Who? Full time service members and federal employees are all eligible, as well as those of you working full time for state governments and most non-profits.What is PSLF? It's a Loan Forgiveness program. If you work for a qualifying employer, have qualifying loans, work full-time, and make 120 on-time monthly loan payments, you can apply and have the remaining balance of your student loans forgiven. Why? Why has there been a change to the program? As it turned out in practice, PSLF was mostly an unfulfilled promise. Many borrows misunderstood the requirements, were misled by loan servicing providers, or never even qualified in the first place. The recently announced changes to PSLF are supposed to help correct some of these problems and fulfill the PSLF promise.What has changed? A key requirement for PSLF is that you must have federal Direct Loans to qualify. The Federal Family Education Loans, Federal Perkins Loans, and Graduate Plus Loans are not a federal Direct Loans and don't qualify. Loan payments under those programs didn't count toward forgiveness. To meet this requirement and qualify most borrowers consolidated those loans into a federal Direct Loan. If you didn't before, there's  good news. Now, any payments you made in the past in these federal student loan programs count toward your 120 payments, BUT only if you consolidate to a federal direct loan by Halloween 2022. Don't know what kind of federal loans you have?  Log into your account on StudentAid.gov https://studentaid.gov/fsa-id/sign-in/landing , and go to the My Aid page StudentAid.gov/aid-summary/, then scroll down to the Loan Breakdown section. If you haven't already, consolidate (DON'T refinance), consolidate into a federal Direct Loan . You've got one year. Details here https://studentaid.gov/app/launchConsolidation.action Once consolidated into a Direct Loan, your previous monthly payments made before October 31 this year, 2021, in those other federal loan programs will count toward PSLF retroactively. Change #2. Past payments under any repayment plan now count toward loan forgiveness. Up to now, you had to enroll in an Income Driven Repayment (IDR) plan like ICR, IBR, PAYE, and REPAYE or the standard 10-year repayment plan. These payments are supposed to be automatically recounted, but  keep an eye on it.Temporary Change #3.  Some borrowers missed out because their payments were off by one or two pennies or late by just a few days. As a fix, the Department will automatically adjust PSLF payment counts for payments made on or before October 31, 2021 for borrowers who have already certified some employment for PSLF. This look back is a temporary benefit. So if you have not yet applied for PSLF forgiveness or certified employment do it by October 31, 2022 to get all those payments counted.Lastly for service members, months spent on active duty will now count toward PSLF, even if your loans are in deferment or forbearance. Federal Student Aid is supposed to develop and implement a process to address this. .For more information see https://www.ed.gov/news/press-releases/fact-sheet-public-service-loan-forgiveness-pslf-program-overhaulFor tons of helpful information and PSLF application go to the official website at https://studentaid.gov/pslf/

The CARES Act forbearance on federal student loans is set to expire on September 30, 2021. Here's what to do when student loans unpause.

Andy Everett joins the show to talk PGA and UTSA football. Navy cadet Cameron Kinley asks the president to intercede on his behalf to defer his military commitment to play in the NFL.

When approaching the age for Medicare, there are some common questions: Do I have to apply for Medicare when I turn 65? What if I'm still working and receiving employer-sponsored health care? Should I defer enrolling in Medicare, and if I do, how can I be sure I won't be penalized? On this episode of The Prosperous Life, Tracy Russo, President of HTA, is here to shed some light on Medicare enrollment, timing considerations, and more.In this podcast, you will learn:Who needs to enroll in Medicare and when should they applyThe consequences of not applying for Medicare during your enrollment periodReasons to defer enrolling in Medicare at age 65 and how to deferWhen to enroll in Medicare if you're still working at age 65The definition of credible coverage in the eyes of MedicareMedicare's interaction with COBRA, retiree plans, severance coverage, and health savings accounts (HSAs)Contact Tracy Russo at HTAwww.htafinancial.comMedicare@htafinancial.com610.430.6650Contact The Prosperity Consulting Group:www.prosperityconsult.cominfo@prosperityconsult.com410.363.7211Contact The Hoffman Group:www.hoffmancpas.cominfo@hoffmancpas.com443.320.4101Securities offered through Triad Advisors, LLC., Member FINRA/SIPC. Investment advisory services offered through The Prosperity Consulting Group, LLC. The Prosperity Consulting Group, LLC is not affiliated with Triad Advisors, LLC.This information is intended for educational purposes only. It is not intended to provide any investment advice or provide the basis for any investment decisions. You should consult your financial adviser prior to making any decision based on any specific information contained herein. It is not intended to provide, and should not be relied on for, any tax or legal advice. You should consult your tax or legal adviser prior to making any decision based on any specific information contained herein.The Prosperity Consulting Group, LLC is not affiliated with The Hoffman Group, LLC.The Prosperity Consulting Group, LLC is not affiliate with HTA. 

Student Loans do not automatically disqualify you from Buying or Refinancing a Home. But, you will need to know what type of loan you may qualify for and the status of your Student Debt in order to be prepared. Today Chad Anderson covers Liabilities, Income Driven Repayment Plans, Extended Rate Payment Plans, and Deferment. Here is how to calculate your Debt when applying for different home loans: Conventional (Fannie Mae and Freddie Mac), FHA, USDA, and VA.

Winter Grazing The Government has deferred imposing almost all of its proposed winter grazing regulations for a year, a move that's been met with scorn from environmentalists and animal advocates.   Winter grazing - a practice where livestock are strip-fed a crop, often in extremely muddy conditions - has come under increased scrutiny in recent years. In 2019, winter grazing hit the headlines when environmentalist Angus Robson went public with his campaign to expose what had been happening on farms across the country. The photos and videos of cows standing and giving birth in muddy paddocks prompted Agriculture Minister Damien O'Connor to launch a winter grazing taskforce.  The Agriculture Minister and David Parker, the Environment Minister, proposed a suite of new rules to improve winter grazing practices, which agriculture lobbyists decried as unworkable. They protested, and the Government's latest announcement indicates that the lobbyists have won.  Parker and O'Connor announced recently that they would allow the industry to self regulate for the next year, allowing Farmers to develop their own so-called ‘modules' to manage their winter grazing practices.  In a statement, Parker said the deferment will allow an intensive winter grazing farm plan module to be developed, tested and deployed ready for formal incorporation into wider certified freshwater farm plans in 2022. Not everyone is happy about this. In fact, many people are deeply unhappy about this. Greenpeace Senior Campaigner Steve Abel said the Government had been ‘owned' by big dairy, calling the decision ‘pathetic'.  SAFE CEO Debra Ashton questioned what the Government would do to ensure the welfare of animals in the interim.  Green MP Eugenie Sage said it's a bad outcome for rivers and animal welfare. Commercial fishingConservationists are calling for mandatory measures to protect the overfishing of Tarakihi. This was after the fishing industry admitted to breaking its promise to follow voluntary restrictions. Forest and Bird said last week that Tarakihi have been fished down to 15 per cent of their original levels, well below the 40 per cent minimum level considered safe from overfishing. In 2019, Stuart Nash, the fisheries minister at the time, decided to take a phased approach to rebuild the tarakihi population, making an initial 20 per cent cut to commercial fishing quotas, but then pulled back for a 10 per cent reduction instead. But Stuff has now reported, in a briefing to Fisheries Minister David Parker, Fisheries Inshore chairman Laws Lawson admitted fishing boats were failing to keep out of areas they promised not to fish, putting juvenile Tarakihi at risk. A report, titled The future of commercial fishing in Aotearoa New Zealand, was prepared by the Prime Minister's chief science advisor Professor Dame Juliet Gerrard. It suggested more needs to be done to reduce gaps in data and knowledge, noting that while we have a lot of data about the ocean, in many ways we also know frighteningly little.  Dr Michael Plank, a professor at the University of Canterbury who was on the panel responsible for preparing the report, said the findings stressed the importance of taking a holistic view of the ocean. He said one of the things the report identifies is the need to move towards managing ecosystems as a whole, rather than managing individual species.  Salmon farmingFootage of Compassion in World Farming's undercover investigation and an accompanying report released on Wednesday uncovered the grim reality for many fish raised in Scotland's salmon farming industry. Their findings were released by a global network of 40 NGOs in over 30 countries, including SAFE in New Zealand.  Scotland is the third-largest producer of farmed Atlantic salmon worldwide and exports fish to over 50 countries. The industry produced about 38 million fish in 2019 and the Scottish Government is planning to allow massive industry expansion by 2030. Over 22 Scottish farms were investigated between September and November 2020 using drone technology and underwater divers. On several farms, investigators found severe sea lice infestations and high levels of mortalities. As many as a quarter of the fish die before they make it to slaughter. The investigators also found fish crammed in barren underwater cages. Salmon are natural migrators, but in fish farming systems they have nothing to do but swim aimlessly in cramped conditions for up to two years. Compassion in World Farming is now calling for a moratorium on the expansion of Scottish salmon farming, with a view to phasing out intensive salmon farming. New Zealand farms king salmon, not Atlantic salmon, but the investigation raises questions about how salmon are farmed in New Zealand. Broadly speaking, we farm salmon in very similar ways, and now that we know what's happening in Scotland, there are justifiable concerns for salmon farmed in New Zealand. ★ Support this podcast on Patreon ★

Reports of sheep not performing on summer regrowth and worm issues led to a chat with Adrian which inevitably led to a podcast. Also Confinement feeding for the first time? give myself 0428299007 or Adrian 0409912349 a call. Cheers Ed Riggall Agpro Management

El presidente Biden extendio el plazo que tenia de los embargos de 31 de Marzo a Finales de Junio... y a su vez, ordeno tambien aplazar los pago o Deferment hasta finales de Junio igual. --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app Support this podcast: https://anchor.fm/alfredorosalesrealtor/support

Kurt Moore, CEO of SALBA

Segment 1: Covering the locations where you can go online like www.annualcreditreport.com for your legally approved annual report, to check to make sure there are no anomalies, plus www.myFICO.com for purchasing your credit score. These are separate items, so be aware of the difference and listen in to learn more about it. Notice to listeners that the “credit repair” and “debt recovery” companies who are taking lots of air time with ads recently are basically wolves in sheep clothing, preying on consumers who are in tough spots. Best to go to www.HUD.gov for assistance.Segment 2: What happens when debt is forgiven and you go to do your tax return? Be sure to discuss with a tax professional regarding insolvency and if you qualify. Want to know what happens when you dispute something on your credit report? We cover some best practices along with how to talk to creditors for best results.Segment 3: Forbearance and how it will impact (or not) your credit score. During COVID there are 5 main areas considered 1. Forbearance, 2. Current, 3. Deferment, 4. Modification, 5. Covid-declared disaster. What happens if you do a settlement instead and pay less than what is owed? We cover what that can do to your credit score as well. Brief touch on bankruptcy within this realm too.Segment 4: Identity theft and how to limit it from happening. What is a credit freeze vs. credit lock. How to get the best FICO score over time and planning ahead to make it happen, especially if you’re considering a major purchase like a house, car or other higher priced item.

On today's episode, Zeke discusses what the NHL's divisions could look like for the 2020-2021 season, where the Wild would stand in the proposed "West Division", and what the recent disputes between the NHL and NHLPA mean for the league as they head into next season.Support Us By Supporting Our Sponsors! Built BarBuilt Bar is a protein bar that tastes like a candy bar. Go to builtbar.com and use promo code “LOCKEDON,” and you'll get 20% off your next order.BuiltGoVisit BuiltGO.com and use promo code “LOCKED,” and you'll get 20% off your next order. Learn more about your ad choices. Visit podcastchoices.com/adchoices

Bible and Business' Bill English looks at the latest round of pandemic unemployment benefits and the concerns around the payroll withholding deferment.  MelindaJoy Mingo, author of "The Colors of Culture," talks about the importance of honest relationships from people not like you to help break down walls of discrimination.

Bible and Business' Bill English looks at the latest round of pandemic unemployment benefits and the concerns around the payroll withholding deferment.  MelindaJoy Mingo, author of "The Colors of Culture," talks about the importance of honest relationships from people not like you to help break down walls of discrimination.

Christina's guests today are Dan Felix, AVP of Mortgage Lending at Fairwinds Credit Union and Rebecca Krug Assistant Vice President of Mortgage Servicing. They talk all things forbearance and deferment, the difference between the two and when to take these options if needed. --- Send in a voice message: https://anchor.fm/sellingfunny/message

Commercial real estate broker Scot Ginsburg of the prestigious tenant rep firm Hughes Marino joins us to talk about what is happening and is likely to happen with office space. Are we going back to the office? Will available sublease space skyrocket? How will landlords react to a potential economic downturn? Scot shares what indicators are appearing on the horizon in California and elsewhere. He also discusses how office layouts may change and what attributes are always popular. Finally, he offers some great takeaways for small businesses or anyone who is negotiating a new lease. A practical and essential episode.Connect with Scot on LinkedIn:https://www.linkedin.com/in/scotginsburg/Thoughts? Comments? Potshots? Contact the show at:https://www.discreetguide.com/Follow or like us on podomatic.com (it raises our visibility :)https://www.podomatic.com/podcasts/deardiscreetguideSupport us on Patreon:https://www.patreon.com/discreetguideFollow the host on Twitter:@DiscreetGuideThe host on LinkedIn:https://www.linkedin.com/in/jenniferkcrittenden/

n this podcast I will answer the question: How do get our of my student loan debt? Many people do not realize the impact of student loans when they are going to college. Once out and faced with all of the other financial challenges, repaying student loans can be a challenge. Here are 4 tips to address student loan debt: 1. Loan Forgiveness If you work for a government entity or an approved non-profit, such as: a teacher, doctor on a reservation, law enforcement, etc, you may be able to reduce your total student loan. The Public Service Loan Forgiveness Program allows you to reduce your payments in relation to your income and after 10 years of paying (120 payments). Employment (at least 30 hours/week) with the following types of organizations qualifies for the forgiveness plan: Government organizations at any level (federal, state, local, or tribal) Not-for-profit organizations that are tax-exempt under Section 501(c)(3) of the Internal Revenue Code Other types of not-for-profit organizations that provide certain types of qualifying public services Serving in a full-time AmeriCorps or Peace Corps position also counts as qualifying employment. 2. Don't Fall Behind The penalties for falling behind on student loan payments are significant and student loan debt is pretty much inescapable. 3. Bankruptcy Doesn't Help For 99% of student loans, bankruptcy does not discharge this debt. Bankruptcy can remove credit card, mortgage, and car loan debt but not student loan debt. 4. Adjust the Duration You can ask for an extension if it's necessary. You have two options: Deferment – if you have not gotten a job yet you may get up to 3 years of deferment, but depending on the loan, the interest may continue to be applied. There is a deferment option if you go back to school. Forbearance – can be granted if you are ill or experiencing a financial hardship (layoff) or a military deployment. With forbearance your payments may be suspended or reduced for up to 12 months. Interest continues to apply to the loan balance. However, we recommend (if possible) paying off student loan debt in a reasonable amount of time (generally, within 10 years).

Since we covered building wealth through real estate in the previous episode it seemed only fitting that we discuss the tax advantages of a 1031 exchange.  A 1031 exchange is identified as Section 1031 of the tax code, and this allows you to defer paying capital gains taxes when you sell an investment property and reinvest the proceeds from the sale into a property of ‘like kind'.  Tracey Wilson with IPX 1031 joined me to breakdown how a 1031 exchange works. If you would like more information from Tracey you can reach him at tracey.wilson@ipx1031.com

With the obvious exception of the ruling BJP at the Centre, most of the regional and national political parties in Jammu and Kashmir are critical of the Election Commission of India's decision to not hold the Assembly elections concurrently with the general Lok Sabha elections. After withdrawal of support from Mehbooba Mufti-led PDP-BJP coalition in June 2018, the Assembly was placed under suspended animation and Governor's Rule was imposed in Jammu and Kashmir. After the political parties' failure to form the government in six months of the Governor's Rule, President's Rule was imposed in December 2018. For more podcasts from The Quint, check out our [Podcasts](https://www.thequint.com/news/podcast) section.