Podcasts about deferred

Deferred maintenance can quickly turn a profitable multifamily investment into an expensive problem if repairs aren't properly identified and budgeted before closing. In SS288, Charles Carillo explains how multifamily investors can properly budget for deferred maintenance, starting with a physical needs assessment and identifying the remaining useful life of major building systems. You'll learn how to: Identify deferred maintenance during due diligence Prioritize immediate, operational, and cosmetic repairs Separate routine OpEx from major CapEx Budget for roofs, HVAC systems, boilers, parking lots, and other major repairs Build and fund a reserve account Avoid relying on property cash flow for major first-year repairs Charles also explains why being properly capitalized is critical when purchasing and repositioning multifamily properties. SS288- How to Budget for Deferr…   Links Referenced in Episode: - SS267: Deferred Maintenance: How to Spot and Budget for Hidden Property Issues - https://youtu.be/YpOI1WVtCQE Connect with the Global Investors Show, Charles Carillo and Harborside Partners: ◾ Setup a FREE 30 Minute Strategy Call with Charles: http://ScheduleCharles.com ◾ Learn How To Invest In Real Estate: https://www.SyndicationSuperstars.com/  ◾ FREE Passive Investing Guide: http://www.HSPguide.com ◾ Join Our Weekly Email Newsletter: http://www.HSPsignup.com ◾ Passively Invest in Real Estate: http://www.InvestHSP.com ◾ Global Investors Web Page: http://GlobalInvestorsPodcast.com/  

Nobody Files an Exit Interview for Your Money Work with Paul: Schedule a 30-minute conversation What if the most irreversible money decisions of your career all arrive in the same two weeks, while you are least able to think about them? This is the third and final episode in a series on where good financial habits stop being enough. Today I walk through a job change as the moment the whole balance sheet gets handled at once, on a deadline. I start with money I forfeited myself when I left a corporate career to start this firm. Then I walk through the four pieces that have clocks attached. Unvested equity you leave behind. Deferred comp that can pay out all at once. A rollover decision made in the first busy week. And the reachable cash that determines whether a gap between paychecks is manageable. This week a single page with four things on it, done before you are anywhere near a decision, so that if the call comes, the deadline only applies to the paperwork. Connect with Paul If you're a working parent juggling a senior-level career and a growing family, and you're tired of coordinating four different advisors to run your financial life, I offer complimentary 30-minute conversations. Schedule one here. For resources discussed in this episode, visit tammacapital.com/podcast. Follow Paul on LinkedIn. Resources Featured in This Episode: Accumulation Was the Easy Part What Happens When the Gap Is Zero    

Mischa Fisher sees mortgage rates climbing into the low sevens and expects existing home sales to turn negative in the fourth quarter. He argues the Fed's hike could eventually help by restoring confidence that inflation is under control. Jeff Ostrowski says affordability remains the biggest obstacle for first time buyers, but Americans still view homeownership as the American dream deferred rather than abandoned.======== Schwab Network ========Empowering every investor and trader, every market day.Subscribe to the Market Minute newsletter - https://schwabnetwork.com/subscribeDownload the iOS app - https://apps.apple.com/us/app/schwab-network/id1460719185Download the Amazon Fire Tv App - https://www.amazon.com/TD-Ameritrade-Network/dp/B07KRD76C7Watch on Sling - https://watch.sling.com/1/asset/191928615bd8d47686f94682aefaa007/watchWatch on Vizio - https://www.vizio.com/en/watchfreeplus-exploreWatch on DistroTV - https://www.distro.tv/live/schwab-network/Follow us on X – https://twitter.com/schwabnetworkFollow us on Facebook – https://www.facebook.com/schwabnetworkFollow us on LinkedIn - https://www.linkedin.com/company/schwab-network/About Schwab Network - https://schwabnetwork.com/about

The One Big Beautiful Bill Act made the current federal tax brackets permanent — the top rate stays at 37% instead of jumping to 39.6%. For executives with bonuses, stock options, and deferred compensation agreements, that certainty changes the planning math.In this episode of You & Your Money, Logan Lum, Associate Vice President, Lead Wealth Advisor at WHZ Strategic Wealth Advisors, walks through a five-item checklist for making the most of the new rules.What Logan covers:Deferred compensation — why knowing the rates makes deferral strategy easier to model, and the one risk people overlook: non-qualified deferred comp isn't protected if your company is acquired or goes bankrupt. Max out the protected vehicles first.Timing stock option exercises — in the top bracket, itemized deductions are worth about 35 cents on the dollar instead of 37. One mistimed exercise can push you into the top bracket, which starts at $640,600 for single filers and $768,700 for couples. Straddling an exercise across two years may be the better move.The SALT cap, and why it hits Connecticut hard — the state and local tax deduction cap rose to $40,400, but it phases out fast: 30 cents on every dollar of modified adjusted gross income above $505,000, landing you back at $10,000 by roughly $606,000. Stack Connecticut's 6.99% top rate and the highest property taxes in the country on top of that.The Social Security wage cap — once you pass $184,500 in compensation, you're no longer paying the 6.2% Social Security tax, which makes Q4 an opportune window to look at bonus timing and deferral.Old agreements — deferred comp arrangements written under the previous rules are worth a fresh review.- Subscribe to the You and Your Money podcast- Follow us on Facebook, Instagram, LinkedIn and YouTube- See how we can create a tailored financial strategy to help you live with Absolute Confidence, Unwavering Partnership, For Life: whzwealth.com 

Professional pilots can accumulate more than just 401(k)s, IRAs, Roth accounts, and brokerage accounts over the course of a career.Airline benefits can also include Health Reimbursement Arrangements, Retiree Health Reimbursement Arrangements, deferred compensation plans, market-based cash balance plans, Employee Stock Purchase Plans, and other employer-linked accounts that work differently from the accounts pilots manage directly.In this episode of Pilot's Portfolio, Timothy P. Pope, CFP® breaks down how these benefits fit into a broader financial plan. He discusses healthcare funding, spill cash, deferred compensation, employer risk, cash balance plans, discounted company stock, and how a small speculative “play account” can be kept separate from the assets doing the heavy lifting.The goal is to help professional pilots better understand what these accounts do, where they may create value, and how they may fit alongside the rest of the household portfolio.Get more insights and takeaways from this episode on our newsletter article!If you're enjoying Pilot's Portfolio and finding these conversations helpful, we'd really appreciate a 5-star review on your podcast platform of choice. It helps more professional pilots and their families discover the show:Apple Podcasts: https://podcasts.apple.com/us/podcast/pilots-portfolio/id1718915375Spotify: https://open.spotify.com/show/5p2Tkf16Q9lV693lHV4Zo9Have a question you'd like Timothy to address, or want to explore how 360 Aviation Advisors helps professional pilots plan around taxes, retirement, investments, and life transitions?Schedule An AppointmentOur Practice's WebsiteContact Us: info@pilotsportfolio.comThis episode is sponsored by: Beacon RelocationBeacon Relocation is a real estate firm helping pilots and air traffic controllers save money on their real estate transactions. By tapping into their network of over 1,500 real estate agents across the country, pilots can save 20% of the real estate agent's commission towards your closing cost on the sale or purchase of your home. Visit https://www.beaconrelocation.com/ to learn more.Timothy P. Pope is a Certified Financial Planner™and principal owner of 360 Aviation Advisors, LLC (“360 Aviation Advisors”), a registered investment advisory firm. Investment advisory services are provided through 360 Aviation Advisors, in its separate and individual capacity as a registered investment adviser. Podcast episodes are provided through Pilot's Portfolio, in its separate and individual capacity.We try to provide content that is true and accurate as of the date of publishing; however, we give no assurance or warranty regarding the accuracy, timeliness, or applicability of any of the contents. We assume no responsibility for information contained on this website and disclaim all liability in respect of such information, including but not limited to any liability for errors, inaccuracies, omissions, or misleading or defamatory statements.Links to external websites are provided solely for your convenience. We accept no liability for any linked sites or their content and remind you that we have no control over their content. When visiting external web sites, users should review those websites' privacy policies and other terms of use to learn more about, what, why and how they collect and use any personally identifiable information.Usage of this content constitutes an explicit understanding and acceptance of the terms of this disclaimer. 

What if the man who invented modern American schooling didn't actually believe in it, not enough to send his own kids?In this episode, Ben and Steve take Edufuturists live on stage in front of an audience at Minerva Virtual Academy's (MVA) 5th birthday celebration, launching their new book, Pick 'n' Mix Education. They're joined by MVA founder and CEO Hugh Viney and home educating parents Hannah and Olivia for an unfiltered conversation about why "one size fits all" schooling is failing families and what choice actually looks like in practice.About our guestsHugh Viney is the founder and CEO of Minerva Virtual Academy (MVA), returning for his second appearance on the Edufuturists podcast. MVA has been named Edufuturists Online School of the Year for two years running.Hannah has home educated her children for nearly 16 years, previously worked in behaviour management at a pupil referral unit, and now has two of her older teens studying at MVA. She is on social mediaOlivia is a home-educating mum of two who built an online following around family life before opening up about choosing education outside the mainstream system. She is on social mediaWe cover:- The Woolworths "pick and mix" analogy at the heart of Ben and Steve's new book- Horace Mann: the godfather of standardised American schooling who homeschooled his own kids- Why every penny of profit from Pick 'n' Mix Education goes to youth mental health charity Beyond- Hannah's move from unschooling to MVA, and the exam results that surprised her- Redefining success beyond grades and dismantling the "they won't socialise" mythAnd lots more!Why you should listenRecorded live in front of a festival field full of parents, educators and home-schooling families, this is Edufuturists at its most unfiltered - real stories from people who've chosen a different path, not theory about it. If you've ever wondered whether there's a genuine alternative to "the school at the end of the road," this conversation makes the case, live, warts and all.Chapters0:00 Introduction1:17 Welcome live from the MVA stage2:27 Meet your hosts: Ben and Steve3:52 The Woolworths analogy: what "pick and mix" education means5:18 New book: Pick 'n' Mix Education and where the profits go6:13 The Horace Mann paradox: he built standardised schooling, then homeschooled his own kids7:47 Bringing the panel to the stage: Hugh, Hannah and Olivia8:32 Hugh Viney: founder and CEO of MVA9:45 Hannah: 16 years of home educating, now at MVA10:32 Olivia: home-educating mum of two11:28 The End of Average: the cockpit built for everyone that fit no one12:39 Hannah's story: relationships, safety, and the results that surprised her14:01 Beyond grades: celebrating the whole learner, and choosing rather than rejecting school15:42 "But how will they socialise?"17:26 What if parents controlled a share of education funding, like some US states allow?19:06 What pick and mix actually looks like, day to day20:24 Curiosity, autonomy, and the bedtime analogy22:04 Inside MVA: weekly mentors, live lessons and self-directed learning24:23 Why the trip is remembered and the lesson isn't26:11 From unschooling to formal learning: what the transition actually looks like27:50 Deferred starts, academy takeovers, and choosing freedom29:12 "What works for my child" not what works at scale30:27 MVA's mission for the next five years: first choice, not last resort32:23 Quickfire Questions36:35 MVA 5th Birthday Highlights VideoFind out more about MVAThanks so much for joining us again for another episode - we appreciate you.Ben & Steve xCheck out all about EdufuturistsWant to sponsor future episodes or get involved with the Edufuturists work?Get in touchGrab your copy of the new Pick 'n' Mix Education bookJoin the Edufuturists Community

A founder can sell a business and still have important limits on how the proceeds are accessed and invested. What changes when the exit produces a promissory note instead of unrestricted cash?Brett Swarts is the Founder & CEO of Capital Gains Tax Solutions and the author of Building a Capital Gains Tax Exit Plan. His background in commercial real estate informs his work with entrepreneurs and their advisors on exit planning.In this conversation with Sam Silverman, Brett explains his Deferred Sales Trust model through a hypothetical $10 million business sale. Sam follows the money: who holds it, who approves investments, what happens if returns fall short, and how payments reach the seller. They also discuss a separate estate-planning structure, the distinction between basis and estate tax, and the investing blind spots that can follow a successful exit.In this conversation:Why an exit may require additional expertise alongside an existing CPAHow the founder's next business or lifestyle affects the exit planHow Brett describes the seller-to-trust-to-buyer sequenceWhy the seller becomes a lender under the note structureHow investment approvals divide controlWhat happens in Brett's example when assets underperform the note rateHow principal and interest affect the payment discussionWhy lifetime cash needs and inheritance goals can pull in different directionsWhy a basis adjustment and estate tax address different issuesHow Brett frames creditor protection and diversificationWhy entrepreneurial success does not establish investing skillHow one pair of founders kept capital available for future opportunitiesTopics covered: Deferred Sales Trust, business exit planning, installment sales, promissory notes, trust control, founder liquidity, estate planning, capital allocationGuest: Brett Swarts, Founder & CEO, Capital Gains Tax Solutionshttps://capitalgainstaxsolutions.com/LinkedIn: https://www.linkedin.com/in/brett-swartsBook and background: https://capitalgainstaxsolutions.com/our-ceo/Newsletter: https://www.mechanicsofmoney.coWebsite: https://silvermancapital.comSubscribe to Mechanics of Money for weekly conversations on private markets, alternative investments, and the decisions behind building and managing capital.#brettswarts #deferredsalestrust #businessexit #exitplanning #capitalgainstax #estateplanning #mechanicsofmoney

Deep in the Brazilian jungle, a terrified family has found a way to bargain with something no human being was meant to bargain with. When an American naturalist realizes who—or what—is demanding payment, he begins to understand how easily an army of tiny creatures could become something far more dangerous. Doomsday Deferred by Murray Leinster. That's next on The Lost Sci-Fi Podcast. Murray Leinster is one of my favorite authors and this is the 12th story written by Leinster that we have featured on the podcast. First published in The Saturday Evening Post, September 24, 1949, Doomsday Deferred by Murray Leinster… Next on The Lost Sci-Fi Podcast, Arthur Holly thinks he has found the surest bet in horse racing when a brilliant scientist discovers how to make an aging nag run like a champion. The scheme works beautifully, but every race leaves their fortune riding on one very fragile piece of technology. Replace the Horse by Laurence M. Janifer. Lost Sci-Fi Premium - https://lostscifi.supercast.com/ Buy Me a Coffee - https://lostscifi.com/coffee Newsletter - https://lostscifi.com/free/ Facebook - https://lostscifi.com/facebook YouTube - https://lostscifi.com/youtube X - http://Lostscifi.com/x Instagram - https://www.instagram.com/lostscifiguy Merchandise - https://lostscifi.creator-spring.com/ Thanks to Our Listeners Who Bought Us a Coffee $200 Someone $100 Tony from the Future $75 James Van Maanenberg $50 James Van Maanenberg, MizzBassie, Anonymous Listener $25 Fintan Quigley, Curious Jon, David Bell, Steve, Miriam, Someone, Someone, Eaten by a Grue, Jeff Lussenden, Fred Sieber, Anne, Craig Hamilton, Dave Wiseman, Bromite Thrip, Marwin de Haan, Future Space Engineer, Fressie, Kevin Eckert, Stephen Kagan, James Van Maanenberg, Irma Stolfo, Josh Jennings, Leber8tr, Conrad Chaffee, Anonymous Listener $15 Every Month Someone $15 Steve, Someone, SueTheLibrarian, Joannie West, Amy Özkan, Someone, Carolyn Guthleben, Patrick McLendon, Curious Jon, Buz C., Fressie, Anonymous Listener $10 David, Anonymous Listener $5 Every Month Eaten by a Grue $5 Tammy, Owen, Bruce, Someone, TLD, David, Denis Kalinin, Timothy Buckley, Andre'a, Martin Brown, Ron McFarlan, Tif Love, Chrystene, Richard Hoffman, Anonymous Listener Listen without commercials and enjoy exclusive bonus episodes every month with Lost Sci-Fi Premium—start your free 7-day trial today. https://lostscifi.supercast.com/ Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

In this episode, hosts Corey Janoff and Rachelle Vanderzanden walk through the hidden expenses that can derail your financial plan. While meticulous budgeting is not necessary for most high-income individuals, it can be helpful to “expect the unexpected”. Hidden or Unexpected Expenses Can Include: Large inflation-related adjustments to things like property taxes and insurance. Deferred home maintenance that hits all at once. Sometimes it's challenging to be prepared for large costs that only hit once a decade. Supporting children as they get older. Sometimes this is by choice, but sometimes it feels necessary! Could range from continued education, helping with grandkids, to paying for the entire family to go on vacation. Divorce… Not something you plan for, but certainly has a huge financial impact for all parties. Lifestyle creep in early retirement. Increased healthcare expenses with age. Especially as you plan for retirement, make sure to build some buffer into your expected income needs!  If you think you may need $15,000 per month for regular expenses, be prepared to need more periodically for the big things that only happen occasionally.  Listen to the full episode to hear more. For more financial planning tips from Corey and Rachelle, find them on social media! LinkedIn: @CoreyJanoff; Instagram: @CoreyJanoff and @VanderzandenRachelle; and Twitter: @CoreyJanoffCFP Discussions in this show should not be construed as specific recommendations or investment advice. Always consult with your investment professional before making important investment decisions. Securities and advisory services offered through LPL Financial, a registered investment advisor, Member FINRA/SIPC.  Finity Group, LLC is a separate entity from LPL Financial.  Finity Group and LPL Financial do not provide legal advice or tax services.  Please consult your legal advisor or tax advisor regarding your specific situation. This material is for general information and educational purposes only and is not intended to provide specific advice or recommendations for any individual. Finity Group and LPL Financial do not provide legal advice or tax services. Please consult your legal advisor or tax advisor regarding your specific situation.   Citations: Employee Benefits Security Administration.  “Top 10 Ways to Prepare for Retirement.” U.S. Department of Labor.  https://www.dol.gov/agencies/ebsa/about-ebsa/our-activities/resource-center/publications/top-10-ways-to-prepare-for-retirement   Hughes, Carol R., Ph.D. LMFT, and Bruce R. Fredenburg, M.S., LMFT.  “Why the Divorce Rate for Older Couples Continues to Rise.”  Psychology Today. January 21, 2026.  https://www.psychologytoday.com/us/blog/home-will-never-be-the-same-again/202108/why-the-divorce-rate-for-older-couples-continues-to   Ochieng, Nancy, Juliette Cubanski, Tricia Neuman, and Anthony Damico.  “Health Costs Consume a Large Portion of Income for Millions of People with Medicare.” KFF.  August 21, 2025. https://www.kff.org/medicare/health-costs-consume-a-large-portion-of-income-for-millions-of-people-with-medicare/   Palasciano, Adam.  “How Much to Budget for Home Maintenance”.  Investopedia.  May 22, 2025.  https://www.investopedia.com/home-maintenance-budget-8608913   Strange, William.  “How much should high earners save for retirement each year?”  Milliman.  November 13, 2025.  https://www.milliman.com/en/insight/how-much-should-high-earners-save-retirement

This is our daily Tech and Business report. KCBS Radio News Anchor Jason Brooks spoke with Bloomberg Reporter Sarah Foster. 529 Savings Accounts are tax deferred savings plans designed to help families save for their children's educational needs. But, there's now a new trend where people without kids are using these accounts as a way to build their own wealth.

John and Kathy are 59 years old, one month away fromretirement, and have accumulated $4 million in retirement accounts. Their home is paid off, they have strong Social Security benefits coming in the future, and on paper, they appear to be in excellent shape.But having enough money to retire is only the beginning.In this episode, I walk through John and Kathy'sretirement plan and tackle some of the bigger decisions they'll face over the next 30 years:How much can they comfortably spend while still preserving wealth for their children and grandchildren?Should they stick with the traditional 60/40 portfolio in retirement, or increase their equities exposure?When should each spouse claim Social Security, especially when they have different life expectancies?Should they implement Roth conversions when virtually all $4 million is in tax-deferred retirement accounts?How should the Go-Go, Slow-Go, and No-Go years change their spending plan?How could Roth conversions affect lifetime taxes, Medicare IRMAA premiums, and the eventual inheritance their children receive?What happens if one spouse dies much earlier than expected?Then, we put the plan through a much tougher test.Using my Retirement Backtesting Simulator, I take theirexact retirement strategy back to 1966—one of the most challenging retirement start dates in modern U.S. history—and see whether their $4 million portfolio could have survived 30 years of inflation, bear markets, and sequence-of-returns risk.The results might surprise you.If you're approaching retirement with $1 million, $2million, $4 million or more saved, these are the types of questions worth answering before you retire—not five or ten years afterward.⁠⁠Are you interested in working with me 1 on 1?⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Click this link to fill out our Retirement Readiness Questionnaire⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Or,⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠visit my website⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Connect with me here:​⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠YouTube⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Follow the podcast⁠⁠​⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Join My Company Newsletter⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠This is for general education purposes only and shouldnot be considered as tax, legal or investment advice.

Are Deferred Compensation Plans (DCPs) the strategic and supercharged path to FIRE, or can a taxable brokerage account get you to the exact same place? We break down exactly how DCPs work, their risks, their realities, and how they've worked for each of us personally. The forced-savings approach of a DCP could be the ultimate in forced savings, or the flexibility of a taxable brokerage account could be just the solution we all have access to. Are you missing out if you don't have access to a DCP? Let's figure out if this is the most amazing perk ever or a trap we should avoid.  Get the full show notes, show references, and more information here: https://www.insideoutmoney.org/177-the-ultimate-fire-bridge-the-truth-about-deferred-compensation-plans-vs-brokerage-accounts/

A ban on under 18s using e-scooters due to be introduced this month has been deferred following advice from Attorney General Rossa Fanning.The Cabinet agreed to a series of new restrictions following a report that showed one third of all paediatric traumatic brain injury admissions to Children's Health Ireland (CHI) at Temple Street this year were related to e-scooters.What do you think of this deferral, is this acceptable?Guest host Clare McKenna is joined by listeners to discuss.

Episode 719 - With the 2026 MLB Trade Deadline complete, Mark and Gordon break down every major move and ask the biggest question in baseball:Did any contender actually improve enough to beat the Dodgers?The discussion begins with the hypothetical blockbuster acquisition of Tarik Skubal, leading into a broader conversation about the Dodgers' financial advantage, deferred contracts, and whether Major League Baseball is moving closer to a salary cap and salary floor during the next collective bargaining negotiations.The hosts evaluate which organizations improved their World Series chances the most, why the Yankees, Phillies, Cubs and Red Sox may have positioned themselves best, and why several contenders chose much smaller moves despite an aggressive deadline.Topics include: Dodgers' overwhelming World Series outlook  The Tarik Skubal domino effect  Deferred contracts and MLB economics  Whether a salary cap is becoming inevitable  Yankees, Red Sox, Cubs and Phillies deadline grades  Padres' aggressive strategy  Brewers' quiet deadline  Cardinals, Blue Jays and Mets choosing clear organizational directions  American League playoff race  National League contenders  Aaron Judge's injury impact  Spencer Strider's uncertain return  Robbie Ray, Kevin Gausman, Clay Holmes and many other notable moves The episode also highlights the exciting launch of the Women's Professional Baseball League, discussing why women's professional baseball deserves far greater attention and how today's players are building upon the legacy of the All-American Girls Professional Baseball League.Almost Cooperstown is a weekly baseball podcast featuring thoughtful conversations about the Baseball Hall of Fame, baseball history, current MLB topics, player comparisons, statistics and the stories that connect today's game with its rich history.Thanks again to Mercury Maid for the Intro & Outro music.Visit AlmostCooperstown.com for original baseball articles, subscribe wherever you listen to podcasts, and follow Almost Cooperstown on YouTube.

Helping Homeowners Through Real-Life Situations With Compassion, Solutions & Support When people think about real estate, they often picture open houses, "For Sale" signs, and closing day celebrations. While those moments are certainly part of the journey, they rarely tell the whole story. Behind every home is a family. Behind every move is a life change. And behind every real estate transaction is a unique story. At Boston Connect Real Estate, we've learned that some of the most meaningful work we do has very little to do with square footage or market value. It has everything to do with helping people navigate difficult seasons of life with compassion, patience, and practical solutions. Whether you're caring for an aging parent, dealing with the loss of a loved one, overwhelmed by years of belongings, facing financial hardship, or simply unsure where to begin, you don't have to figure it out alone. Life Happens And Your Home Often Reflects It A home tells the story of the people who live there. Sometimes that story includes decades of family memories, children growing up, holiday gatherings, and milestones worth celebrating. Other times, it reflects life's unexpected challenges. We regularly meet homeowners who are navigating situations such as: The loss of a spouse Divorce or separation Caring for aging parents Moving into assisted living or independent living Job loss or financial hardship Health challenges Probate or inherited property Deferred home maintenance Years of accumulated belongings Adult children living out of state Feeling overwhelmed by where to begin These situations are more common than many people realize, and they deserve to be approached with understanding not judgment. There Is No "One-Size-Fits-All" Solution One of the biggest misconceptions about selling a home is that every property needs to be completely updated, perfectly staged, and ready for hundreds of showings. That simply isn't true. Every homeowner's situation is different. For some families, listing on the open market is absolutely the best strategy because it creates maximum exposure and can result in the strongest offers. For others, a quieter approach may make more sense. In certain situations, an off-market sale or private transaction can reduce stress, preserve privacy, and make an already difficult transition much easier. The right strategy isn't determined by the house, it's determined by the homeowner's needs. Don't Wait Until Everything Is "Perfect" One of the most common things we hear is: "We're going to clean everything up first, then we'll call you." Our advice? Call first. Many homeowners spend months or even years trying to prepare before speaking with a REALTOR®. The reality is that an experienced real estate professional can help you prioritize what truly matters. Sometimes expensive repairs aren't necessary. Sometimes replacing flooring or remodeling a kitchen won't increase your return enough to justify the investment. And sometimes the best plan is simply pricing the home appropriately based on its current condition. The earlier the conversation begins, the more options you'll have. Feeling Overwhelmed? Start with One Conversation Many homeowners don't know where to begin because the situation feels too big. Years of belongings. Deferred maintenance. Important financial decisions. Legal questions. Family dynamics. It's understandable to feel stuck. The good news is that you don't have to solve everything in one day. The first step is simply having a conversation. During an initial consultation, we can help answer questions like: What is my home worth? How much equity do I have? What costs should I expect? What are my selling options? Should I sell now or stay where I am? What professionals should I speak with first? Sometimes, after reviewing everything together, we actually recommend not selling. If staying in your current home and making a few modifications is the better long-term decision, we'll tell you that. Our goal is never just to sell a house it's to help you make the decision that's right for your future. You're Not Alone If You're Caring for Aging Parents One of the most emotional situations we help families navigate is assisting aging parents through a move. Often, adult children are balancing careers, raising families, and living in different states while trying to help their parents make difficult decisions. Questions begin to pile up quickly: What happens to decades of belongings? How do we prepare the house? What should be donated? What should stay? Who coordinates repairs? When should we speak with an attorney? How do we make this transition less overwhelming? These situations require patience, communication, and trusted local resources. That's why we work alongside attorneys, estate professionals, contractors, movers, organizers, clean-out companies, and other professionals to help create a manageable plan. You don't need to have every answer before reaching out. Selling a Home During Financial Hardship Financial challenges can happen to anyone. Unexpected medical bills, job loss, divorce, or the death of a spouse can quickly change a family's financial picture. If you're worried about mortgage payments or wondering whether selling might provide relief, know that asking for help early gives you more options. Waiting until the situation becomes urgent often limits the solutions available. Every homeowner's circumstances are unique, and together we can review your options without pressure or judgment. Every Homeowner Deserves Compassion Some homeowners worry that they're going to be judged because their home isn't perfect. Please don't let that stop you from asking for help. We've seen homes in every condition imaginable. Our focus isn't on clutter or deferred maintenance. Our focus is on helping people. Whether your home needs repairs, contains years of accumulated belongings, or simply hasn't been updated in decades, we'll help you determine the best path forward. Beware of "We Buy Houses" Solicitations Many homeowners receive phone calls, text messages, postcards, and emails from companies offering to purchase their homes for cash. While some investors operate legitimately, others may not have your best interests in mind. Before signing anything or entering into an agreement, it's wise to speak with a trusted real estate professional or real estate attorney who can explain your options and help you understand your home's true market value. An informed decision is always the best decision. More Than REALTORS® At Boston Connect Real Estate, we believe our job goes beyond putting a sign in the yard. Sometimes we're problem solvers. Sometimes we're connectors. Sometimes we're simply someone who listens. Whether you're preparing to sell, trying to decide if moving is the right choice, helping a loved one transition into assisted living, or navigating one of life's unexpected challenges, our team is here to guide you every step of the way. No judgment. No pressure. Just honest advice, experienced guidance, and a commitment to helping you move forward with confidence. Let's Start with a Conversation If you're facing a situation that feels overwhelming, remember this: There is no such thing as a hopeless real estate situation. Every challenge has a solution, and every homeowner deserves someone who will take the time to understand their unique circumstances. If you don't know where to begin, start with a conversation. The Boston Connect Real Estate team is here to help you navigate not only the sale of your home—but whatever chapter of life comes next. Watch our live video on Youtube!

Time for Sports Graffiti! Mason and Ireland dive into College Football and what Curt Cignetti had to say about the BigTen. What is the biggest movie Ben Stiller passed on? What did Myles Garrett have to say about the possibility of Aaron Donald coming back for the Rams? Will the Angels be more active at the trade deadline? Will anyone watch the new season of ‘Hard Knocks'? Learn more about your ad choices. Visit podcastchoices.com/adchoices

Deferred tax is one of those SBR topics that students often find difficult. In this episode, I go back to the basics of IAS 12 and explain both the why and the how. I show how deferred tax links to the matching concept before introducing temporary differences, tax bases, deferred tax liabilities and deferred tax assets.You'll then see how the rules work through four simple numerical examples covering revalued land, impairment, capital allowances and provisions. I'll show you a logical step-by-step approach that you can apply in the exam, so you can explain the accounting treatment clearly, perform the calculations efficiently and earn the marks available.Thanks for listening to this episode of Pass Your SBR ACCA Exams with Tom Clendon.If you'd like to view the exam question on screen and see my working, subscribe to the YouTube Channel:⁠⁠⁠ ⁠⁠https://www.youtube.com/@tomclendonSBR⁠⁠⁠⁠⁠.For access to on-demand support and guidance for your ACCA SBR Journey, visit my website to see my current course offering:⁠⁠⁠ ⁠⁠https://tomclendon.co.uk/⁠⁠⁠⁠⁠.Chapters(0:00) Why deferred tax matters(1:51) What this episode will cover(3:30) The matching concept explained(6:15) Why current tax may not match accounting profit(8:13) How deferred tax restores the match(11:57) Temporary differences, carrying values and tax bases(13:51) Deferred tax liabilities versus deferred tax assets(16:21) The six-step approach to deferred tax questions(16:36) Example 1: Revaluation of land(21:05) Example 2: Impairment of investment property(24:34) Example 3: Capital allowances on PPE(27:20) Example 4: Deferred tax on a provision

In this week's MBA Admissions podcast we began by discussing the upcoming events Clear Admit is hosting. The MBA Essay Workshop series continues this week, on Tuesday and Wednesday, July 28th and 29th. These events bring together an increasing number of top MBA programs to discuss both their written essay prompts as well as their video essays. Signups for all events are here: https://www.clearadmit.com/events Graham highlighted a new MBA program from MIT / Sloan, which is offered in the evenings, but which has all the characteristics of a full-time MBA offering. Graham also noted a partnership story with Dartmouth / Tuck that illustrates how candidates can use and evaluate MBA programs' career reports. Graham then noted a recently published MBA admissions tip, focused on the importance and design of an MBA resume. Clear Admit continues its Adcom Q&A series. This week Graham notes a written Q&A from NYU / Stern and a podcast Q&A with Columbia. For this week, for the candidate profile review portion of the show, Alex selected two ApplyWire entries: This week's first MBA admissions candidate is from India with eight years of work experience. They have not yet taken the GMAT or GRE test, and we encourage them to target the first rounds. This week's second MBA applicant is currently still completing their undergraduate studies and is targeting deferred admissions opportunities at the top MBA programs. This episode was recorded in Paris, France and Cornwall, England. It was produced and engineered by the fabulous Dennis Crowley in Philadelphia, USA. Thanks to all of you who've been joining us and please remember to rate and review this show wherever you listen!

In this episode of Dollars & Sense, Joel Garris of Nelson Financial Planning breaks down three timely money topics that can impact everyday financial decisions. First, he looks at the Bilt card and whether earning rewards on rent is really worth it—or whether the credit card risks outweigh the marketing hook.Then, Joel explains key Florida Retirement System choices, including the Pension Plan, Investment Plan, DROP, and recent legislative updates affecting certain COLA benefits and DROP flexibility.Finally, he discusses the decline in financial literacy, the rise in adult children relying on parents for financial support, and practical steps families can take to build independence without putting retirement at risk.

(July 22, 2026) Trump administration says it’s deferring $1BIL to Medicaid payments to California and Minnesota due to fraud concerns and noncompliance. President Trump approves landmark nuclear deal with Saudi Arabia. U.S weighs bond of $100,000 for some green-card applicants abroad. Are therapists to blame for the rise of adults cutting off their parents.See omnystudio.com/listener for privacy information.

We're discussing (as we've done in the past) the dramas surrounding Catlin Clark. Good, Bad and outright terrible! Along with the World Cup final and 3rd place game drama!!! Don't forget to support our sponsor while using our promo code “STARTING5” for 20% off at Hooksrub.comJOIN OUR FACEBOOK GROUP!!!https://www.facebook.com/groups/57797...THESTARTING5SHOW@GMAIL.COMFOR EVERYTHING THE STARTING 5 PODCAST RELATED https://linktr.ee/THESTARTING5PODCAST#HooksRub #dailyreminder #fyp #fypシ #fypシ #thestarting5podcast #dailyreminder #worldcup #catlinclark #infantinomessi

Thanks to our Partners, NAPA Auto Care and NAPA TRACS Watch Full Video Episode Most auto repair shops are sitting on a goldmine of untapped revenue without realizing it. In this episode, Carm Capriotto welcomes Jimmy Alauria of 3A Automotive & Diesel Repair to discuss how deferred work can become one of your shop's most effective growth strategies. By pulling just two years of data from his shop's database, he discovered $3.3 million in potential revenue from deferred services. From better customer communication to smarter follow-up systems, Jimmy explains how to turn yesterday's declined repairs into tomorrow's repair orders. What You'll Learn Why your customer database is one of your shop's most valuable assets.How deferred work can create significant new revenue without increasing car count.Why shops should schedule the next appointment before the customer leaves.While DVIs provide excellent transparency, their primary goal should be to educate the customer and help them plan, rather than to force an immediate $5,000 repair order. Jimmy notes that customers decline work not necessarily because they lack trust, but because they need time to budgeHow categorizing repairs by safety, reliability, maintenance, and appearance improves customer understanding.Understanding the customer's personal "car goals," whether they love the car and want to avoid a new car payment, or they hate the car and want to trade it in, is also critical to framing recommendations effectively.The shortcomings of traditional CRM follow-up systems and how AI can improve communication.How AI helps prioritize repairs and translates technical repair language into customer-friendly messaging that drives response. Deferred work isn't lost business; it's future opportunity. By building better follow-up processes, educating customers, and using technology to communicate more effectively, shops can strengthen relationships, improve customer retention, and unlock substantial revenue already waiting in their database. Jimmy Alauria, 3A Automotive and Diesel Repair, Phoenix, AZ. Jimmy's previous episodes HERE Learn more about NAPA Auto Care and the benefits of being part of the NAPA family by visiting https://remarkableresultsradiopodcast.captivate.fm/napaautocare   NAPA TRACS will move your shop into the SMS fast lane with onsite training and six days a week of support and local representation. Find NAPA TRACS on the Web at http://napatracs.com/ Connect with the Podcast: Download and Listen on Our Mobile App:https://automotiverepairpodcastnetwork.com/app/Visit the Website:https://remarkableresults.biz/Subscribe on YouTube:https://www.youtube.com/carmcapriottoFollow on Facebook:https://www.facebook.com/RemarkableResultsRadioPodcast/Follow on LinkedIn:https://www.linkedin.com/in/carmcapriotto/Follow on Instagram:https://www.instagram.com/remarkableresultsradiopodcast/Join Our Virtual Toastmasters Club:https://remarkableresults.biz/toastmastersJoin Our Private Facebook Community:https://www.facebook.com/groups/1734687266778976Join our Insider List:https://remarkableresults.biz/insiderAll books mentioned on our podcasts:https://remarkableresults.biz/booksOur Classroom page for personal or team learning:https://remarkableresults.biz/classroomSpecial episode collections:https://remarkableresults.biz/collectionsBuy Me a Coffee:https://www.buymeacoffee.com/carm The Automotive Repair Podcast Network: https://automotiverepairpodcastnetwork.com/ Remarkable Results Radio Podcastwith Carm Capriotto:Facilitating Wisdom Through Story Telling and Open Discussion.https://remarkableresults.biz/Diagnosing the Aftermarket A to Z:From Diagnostics to Metallica and Mental Health, Matt Fanslow is Lifting the Hood on Life.https://mattfanslow.captivate.fm/Business by the Numbers: Understand the Numbers of Your Business with CPA Hunt Demarest.https://huntdemarest.captivate.fm/The Auto Repair Marketing Podcast: Marketing Experts Brian & Kim Walker Work with Shop Owners to Take it to the Next Level.https://autorepairmarketing.captivate.fm/The Weekly Blitz: Weekly Inspiration with Business Coach Chris Cotton from AutoFix - Auto Shop Coaching.https://chriscotton.captivate.fm/Speak Up! Effective Communication: Develop Interpersonal and Professional Communication Skills with Craig O'Neill.https://craigoneill.captivate.fm

Lady Pastor Nicky Boadum begins by introducing Proverbs 13:12 as the key Scripture for the message: “Hope deferred makes the heart sick, but when the desire comes it is a tree of life.” She connects this Scripture to the church's emphasis on being a generation that seeks the face of God, rather than merely seeking His hand for what He can do. The more we try to solve certain problems through their our own strength, the more we can intensify their inner misery.  A delayed testimony can become a tree of life, return to God and see that purpose manifest.

Today's podcast continues our discussion of the structural failure at the former Pfizer headquarters in Midtown Manhattan, where a massive office-to-residential conversion suffered localized structural distress during construction.The investigation has only begun. Engineers have not yet reached any conclusions about the root cause, and it would be inappropriate to speculate. The building may ultimately be repaired, strengthened, and safely completed. Or investigators may determine that more extensive reconstruction is required. We simply don't know.But even before the engineering investigation is complete, another consequence has already begun to unfold.Reputation.Real estate is built on confidence. Lenders finance confidence. Investors buy confidence. Insurance companies price confidence. Residents lease confidence.When confidence disappears, value disappears.We saw this after the collapse of Champlain Towers South in Surfside, Florida. The tragedy permanently changed how buyers viewed aging condominium buildings. Reserve studies became front-page news. Deferred maintenance became a deal breaker. Insurance premiums exploded. Financing became more difficult. Thousands of condominium owners across Florida found themselves facing six-figure special assessments simply because the market had fundamentally re-priced structural risk.Whether fair or not, that event changed public perception.------------**Real Estate Espresso Podcast:** Spotify: [The Real Estate Espresso Podcast](https://open.spotify.com/show/3GvtwRmTq4r3es8cbw8jW0?si=c75ea506a6694ef1)   iTunes: [The Real Estate Espresso Podcast](https://podcasts.apple.com/ca/podcast/the-real-estate-espresso-podcast/id1340482613)   Website: [www.victorjm.com](http://www.victorjm.com)   LinkedIn: [Victor Menasce](http://www.linkedin.com/in/vmenasce)   YouTube: [The Real Estate Espresso Podcast](http://www.youtube.com/@victorjmenasce6734)   Facebook: [www.facebook.com/realestateespresso](http://www.facebook.com/realestateespresso)   Email: [podcast@victorjm.com](mailto:podcast@victorjm.com)  **Y Street Capital:** Website: [www.ystreetcapital.com](http://www.ystreetcapital.com)   Facebook: [www.facebook.com/YStreetCapital](https://www.facebook.com/YStreetCapital)   Instagram: [@ystreetcapital](http://www.instagram.com/ystreetcapital)  

Get in touch - leave me a messageAI isn't weightless. Every model, token, and workflow sits on land, water, power, heat, and governance choices.In this episode of Climate Confident, I'm joined by Sophia Mendelsohn, who leads SAP's Global Sustainability Platform. We look at AI not as abstract software, but as physical infrastructure with real consequences for climate tech, decarbonisation, the energy transition, policy, and the businesses racing to use it.You'll hear why data centres now sit at the centre of the sustainability conversation. Treat AI as “just software” and you defer the hard questions: where the power comes from, how water is used, how communities respond, and who is accountable when emissions reduction promises meet infrastructure reality.We dig into how sustainability teams can move beyond PDFs and carbon accounting, and into procurement, supplier data, financial planning, and board-level AI decisions. Scope 3 comes up too - including the awkward truth that asking suppliers for data does not mean you'll get usable answers.You might be shocked by how AI could shift the balance of power: from waiting for disclosures to calculating baselines, testing assumptions, and making better net zero decisions before systems lock in.

Which acronym tripped you up the longest — FERS, FEGLI, SRS, or MRA? Drop it below

In 1884 Cincinnati, a string of brutal murders and a verdict that outraged the public set off a chain of events that would end in one of the darkest moments in American history — the largest massacre of unarmed civilians by National Guard troops on U.S. soil. In Truth Deferred, historians Mike and Amy Morgan investigate what actually happened — and present the truth that was deliberately buried for over 140 years. While Amber's on vacation, we share Episode 1 of Truth Deferred: The story starts on Monday, March 31, 1884. The streets are covered in blood. Over 50 people are dead, and some are dying in the hallways of the hospital. Every window has been smashed out of the jail, and the county courthouse is a smoldering ruin. To find out how we got here, we travel back to an imperfect love story ending in a public murder, and how the case of William McHugh illustrates a growing distrust of the criminal justice system. (Truth Deferred began as a Grab Bag Collab podcast available only at GrabBagCollab.com. After its initial run, it was released wherever you get podcasts, so subscribe today.)

Non-qualified deferred compensation could be one of the most valuable benefits you're not using.In this episode of Gimme Some Truth, we break down NQDC — a powerful but often overlooked benefit available to executives and high earners at many public companies. They cover how it works, who it's for, the key risks involved, and why planning ahead is critical before open enrollment season hits.If you're a senior leader, executive, or high-income earner at a public company, this episode could save you a significant amount in taxes — or help you avoid a costly mistake.

Deferred maintenance is piling up at parks across the state, contributing to more parks going up for sale. Outright closures, like the evictions of residents at the Green Mountain Mobile Manor, are fairly rare.

Tait Duryea and Ryan Gibson sit down with Trevor Kuresa to unpack the Deferred Sales Trust, a lesser-known strategy for deferring capital gains after selling a business or highly appreciated asset. Trevor explains how the structure works, why it differs from a 1031 exchange or monetized installment sale, and when the costs, timing, and compliance rules make sense. For pilots, real estate investors, and business owners thinking about a future exit, this episode offers a practical look at tax planning before a major transaction.Trevor Kuresa is a corporate and tax attorney specializing in mergers and acquisitions, fractional general counsel, and advanced tax strategies for business owners and high-income professionals. With experience in tax structuring, legal transactions, and corporate counsel work, Trevor helps clients evaluate strategies for reducing or deferring capital gains and income tax.Show notes:(0:00) Chamonix race recap(2:14) Deferred Sales Trust intro(4:47) Trevor's legal background(6:10) Tax strategy for pilots(9:37) Deferred sales trust explained(13:50) Rental property example(17:26) Best use cases(21:10) Tax deferral mechanics(25:15) IRS rules and risks(36:28) OutroConnect with Trevor:Website: https://hibiscuslegal.com/ Email: tkuresa@hibiscuslegal.com Phone: 801-577-3445LinkedIn: https://www.linkedin.com/in/trevor-kuresa-36b59339/ Related Episode: #10 - Reduce Your Taxes & Maximize Returns Using PROVEN Investment Strategies with Toby MathisIf you're interested in participating, the latest institutional-quality self-storage portfolio is available for investment now at: https://turbinecap.investnext.com/portal/offerings/8449/houston-storage/ — You've found the number one resource for financial education for aviators! Please consider leaving a rating and sharing this podcast with your colleagues in the aviation community, as it can serve as a valuable resource for all those involved in the industry.Remember to subscribe for more insights at PassiveIncomePilots.com! https://passiveincomepilots.com/ Join our growing community on Facebook: https://www.facebook.com/groups/passivepilotsCheck us out on Instagram @PassiveIncomePilots: https://www.instagram.com/passiveincomepilots/Follow us on X @IncomePilots: https://twitter.com/IncomePilotsGet our updates on LinkedIn: https://www.linkedin.com/company/passive-income-pilots/Do you have questions or want to discuss this episode? Contact us at ask@passiveincomepilots.com See you at the next one!*Legal Disclaimer*The content of this podcast is provided solely for educational and informational purposes. The views and opinions expressed are those of the hosts, Tait Duryea and Ryan Gibson, and do not reflect those of any organization they are associated with, including Turbine Capital or Spartan Investment Group. The opinions of our guests are their own and should not be construed as financial advice. This podcast does not offer tax, legal, or investment advice. Listeners are advised to consult with their own legal or financial counsel and to conduct their own due diligence before making any financial decisions.

This is my second episode with Adam Cramer, CEO of the Outdoor Alliance, a coalition of ten national organizations representing the human-powered outdoor community—mountain biking, backcountry skiing, kayaking, climbing, trail running, and more. The Outdoor Alliance works to protect public lands and the places these communities love, getting deeply involved in conservation policy and empowering people to take action on behalf of the landscapes that matter to them. The last year has been a relentless one for public lands, with threats coming from every direction, and Adam and his team have been in the thick of it. Normally my episodes are "evergreen," but given everything happening right now, I wanted to bring Adam back to give us an update on the current threats—as well as some genuine bright spots. This is such a moving target with so many moving pieces that it can be really hard to keep up with everything and, most importantly, to know how to stop talking and take action. So I brought Adam in to help us make sense of it all and give us some instruction on how we can go on the offense to keep public lands public. We cover a lot of ground: the public lands sell-off that arose out of last summer's reconciliation bill and the massive, cross-partisan public blowback that killed it; the fight over the Roadless Rule; the rescinding of the BLM's Public Lands Rule; proposed changes to travel management and motorized vehicle rules; and the reorganization happening inside the land management agencies. But it's not all grim—Adam walks us through the real reasons for hope, including bipartisan efforts like the Public Lands in Public Hands Act, the EXPLORE Act, and the Legacy Restoration Fund, which is moving through Congress right now and is one of the most important places listeners can weigh in today. We also get into Adam's pragmatic, calm approach to all of this—why he refuses to be hysterical even when the stakes are high, what he's learned about strategy and compassion across the table, and how everyday people with jobs and families can stay informed and actually take action without drowning in the noise. He closes with some great book recommendations and a reminder to embrace and bask in the joy of place. And just for some context, we recorded this on June 22, 2026. I hope you enjoy it and learn as much as I did. And most importantly, I hope you'll TAKE ACTION! --- Adam Cramer Outdoor Alliance (Scroll down on the home page to sign up for their email list.) Adam's first M&P episode Full episode notes and links: https://mountainandprairie.com/public-lands-update/ --- THANK YOU TO OUR SPONSORS: Mountain & Prairie is listener supported via Patreon, and brought to you with support from the Freeflow Institute, The Nature Conservancy in Colorado, and the Well Done Foundation for their generous sponsorship. --- TOPICS DISCUSSED: 0:00 - Introducing Adam Cramer and highlighting the Well Done Foundation 6:05 - Outdoor Alliance reminder 10:02 - One Big Beautiful Bill post-mortem  14:18 - The Roadless Rule 17:47 - What's the point of rescission? 19:51 - Following the herd 20:01 - Deferred maintenance  22:47 - Taking action: Roadless Rule 25:24 - Forest Service moves West 31:18 - A plethora of land types 33:34 - Just trying to protect the land 35:29 - BLM Public Lands Rule 39:36 - Swings 43:06 - Staying calm (alert: a jiu jitsu reference) 49:42 - Legacy Restoration Fund 56:08 - How to stay informed 58:54 - Motorized use 1:04:30 - Book recs 1:05:54  - Parting words --- ABOUT MOUNTAIN & PRAIRIE: Mountain & Prairie - All Episodes Mountain & Prairie Shop Mountain & Prairie on Instagram Upcoming Events About Ed Roberson Leave a Review on Apple Podcasts

Supreme Court greenlights deportation of 1.3 million immigrants with protected status. The Iran war is over because the Pentagon ran out of money. And the DOJ let corporate CEOs walk free for the entire Biden term. In this episode: • Supreme Court 6–3 ruling strips Temporary Protected Status from 1.3 million people. • Stephen Miller and Tom Homan gear up for mass deportations. • Iran war collapses—Congress refuses to fund the Pentagon's war supplemental. • The phony Senate vote narrative exposed—Bill Cassidy and Rand Paul explained. • War Powers Act of 1973 and why it never worked. • Obama and Biden's Justice Department refused to prosecute Fortune 500 CEOs. • Deferred prosecution agreements: corporate crime pays, nobody goes to prison. • Merrick Garland's delay on Trump's January 6 indictment and what it cost. • Rick Scott, hospital fraud, and the two-tier justice system. • "Where's my effing money?"—the only question that matters. Key figures covered: Donald Trump, Stephen Miller, Tom Homan, JD Vance, Joe Biden, Merrick Garland, Eric Holder, Jack Smith, Rick Scott, Bill Cassidy, Rand Paul, Susan Collins, Lisa Murkowski, Tim Kaine, Marco Rubio, Elon Musk, Jeff Bezos. Subscribe for live shows Sunday, Tuesday, and Thursday at 6:05 PM Eastern. ## #IranWar #TPS #Pentagon #CorporateCrime #MerrickGarland #DonaldTrump #StephenMiller #Congress #WarPower

Send us Fan MailCapital is tight, and that changes everything, from how we fund inventory and expansion to how we think about risk. We talk through what happens when borrowing a few million dollars suddenly comes with painful rates, low leverage, and a lot more “no” than “yes.” If you run a shed dealership, portable building manufacturing operation, or rent-to-own program, this conversation is about staying alive long enough to win: cash reserves, liquidity, and making sure you can cover payroll, rent, and overhead when the market gets weird.We also dig into the rent-to-own side of the shed industry and why longer terms and lower money down can be both necessary for the consumer and challenging for investors. Deferred income changes your cash flow profile, and immature portfolios can bleed before the long-term yield shows up. That reality affects how investment funds view the whole space, and it influences whether your best next move is a financing portfolio, hard assets like land and a bigger plant, or a simpler plan that keeps dollars up front.Then we bring it down to the ground level: shed marketing, CRMs, online buying behavior, and the fast shift toward AI search. Google's AI Overview is already training customers to stop clicking, and that means your SEO, website content, and pay-per-click strategy must evolve. We also push back on the idea that AI can replace real work. Customers still want trust, clear answers, and a real person who delivers on time.If you found value here, subscribe, share this with another shed business owner, and leave us a review so more people can find these conversations.For more information or to know more about the Shed Geek Podcast visit us at our website.Would you like to receive our weekly newsletter?  Sign up on our website: shedgeek.comFollow us on Twitter, Instagram, Facebook, or YouTube at the handle @shedgeekpodcast.To be a guest on the Shed Geek Podcast visit our website and fill out the "Contact Us" form.To suggest show topics or ask questions you want answered email us at info@shedgeek.com.This episodes Sponsors:Studio Sponsor: Shed Geek MarketingVelocity 360RTO SmartShed Suite

Mike Johnson, Ali Mac, and Beau Morgan react to Major League Baseball wanting a maximum contract length of five years for free agents who are switching teams while organizations will have the ability to keep their own players for up to six years, calling it a Cornerstone Player Provision, and the MLBPA wanting to eliminate deferred payments. Mike, Ali, and Beau also explain why MLB eliminating deferred payments would stop teams from cheating the cap.

Money Is a Tool. Wealth Is the Goal.What separates people who simply earn a living from those who build lasting wealth?In this episode of Grow Your Business & Grow Your Wealth, Gary Heldt welcomes financial strategist, wealth management advisor, and Accudo Capital Investments Founding Partner G.A. Pimpleton for a thought-provoking conversation about money, mindset, and building a legacy that extends beyond your lifetime.Drawing from his unique journey from the music industry to wealth management, G.A. explains why making money and building wealth are two very different skills. He shares practical insights on financial literacy, deferred gratification, generational wealth, and why the most valuable investment many people can make is in their own financial education.Gary and G.A. also discuss the importance of teaching children about money, surrounding yourself with the right financial professionals, and positioning yourself to thrive regardless of economic conditions.Key Takeaways• There is a critical difference between earning money and building wealth.• Wealth starts with changing how you think about money.• Teaching financial principles early can impact generations.• Deferred gratification remains one of the most powerful wealth-building tools.• A strong team of financial professionals can help avoid costly mistakes.About G.A. PimpletonG.A. Pimpleton is a financial strategist, wealth management advisor, and Founding Partner of Accudo Capital Investments. He helps entrepreneurs, families, and business owners build long-term wealth through strategic financial planning, investment solutions, business funding, and wealth management strategies designed to create lasting financial success.About the HostGary Heldt is a CPA, business advisor, and entrepreneur dedicated to helping business owners create profitable businesses while building personal wealth. Through the Grow Your Business & Grow Your Wealth Podcast, Gary shares practical insights and conversations with experts who help entrepreneurs make smarter financial and business decisions.Connect with G.A. PimpletonLinkedIn: G.A. Pimpleton LinkedInWebsite: Accudo Capital Investments

In this episode of Just Compensation, Megan Monson, Taryn E. Cannataro, and Zachary Bocian discuss Internal Revenue Code Sections 457(b) and 457(f), two deferred compensation vehicles available to tax-exempt organizations and state and local governments. The hosts detail who can sponsor these plans, how these plans work, when taxation occurs, and how Section 409A overlays with these rules. Be sure to check out our previous episode, "The Impact of 457A on Deferred Compensation from non-US Entities", to learn more about Internal Revenue Code Section 457A. Speakers: Megan Monson, Partner, Executive Compensation and Employee Benefits Taryn E. Cannataro, Counsel, Executive Compensation and Employee Benefits Zachary Bocian, Associate, Executive Compensation and Employee Benefits

Ready to take a deep dive and learn how to generate personal tax-free cash flow from your corporation? Enroll in our FREE masterclass here and book a call hereAre IPPs and PPPs actually the right next step for your corporate wealth strategy—or just more complexity than you need?As your incorporated business grows, your planning priorities start to shift from simply reinvesting and reducing tax today to building a more structured long-term retirement and legacy strategy. Individual Pension Plans and Personal Pension Plans can offer powerful tax-deferred planning opportunities, but they only work well when your income, age, corporate structure, and future goals line up. This episode helps you understand when these plans make sense—and when simpler strategies may still be the better fit.You'll walk away with:A clear understanding of how IPPs and PPPs differ from RRSPs, including how contributions are calculated and why these plans are more than just “bigger RRSPs.”A practical sense of timing, including why these strategies often become more attractive in your late 40s, 50s, and beyond rather than during the earlier growth years of your business.Insight into the trade-offs between predictability and flexibility, including how IPPs and PPPs compare on cost, complexity, contribution options, tax deferral, and family business succession planning.Press play now to learn whether an IPP or PPP could fit your next stage of corporate wealth planning.Discover which phase of wealth creation you are in. Take our quick assessment and you'll receive a custom wealth-building pathway that matches your phase and learn our CRA compliant tax optimized strategies. Take that assessment here.Canadian Wealth Secrets Show Notes Page:Consider reaching out to Kyle if you've been……taking a salary with a goal of stuffing RRSPs;…investing inside your corporation without a passive income tax minimization strategy;…letting a large sum of liquid assets sit in low interest earning savings accounts;…investing corporate dollars into GICs, dividend stocks/funds, or other investments attracting corporate passive income taxes at greater than 50%; or,…wondering whether your current corporate wealth management strategy is optimal for your specific situation.A strong Canadian wealth plan for incorporated business owners should connect corporate wealth planning, personal vs corporate tax planning, RRSP optimization, salary vs dividends Canada, and corporation investment strategies into one clear system for building long-term wealth Canada. For Canadian entrepreneurs, the path to financial freedom Canada and financial independence Canada often involves choosing the right retirement planning tools, such as an Individual Pension Plan, Personal Pension Plan, or other RRSP alternatives Canada, while also considering tax-efficient investing, corporate tax deferral, business owner tax savings, passive income planning, and corporate structure optimization. Whether your strategy includes real estate investing Canada, real estate vs renting, a capital gains strategy, financial buckets, an investment bucket strategy, or financial diversification Canada, the key is aligning your financial vision setting with practical Canadian tax strategies, estate planning Canada, legacy planning Canada, and business owner succession planning. By optimizing RRSP room, managing retained earnings, and creating financial systems for entrepreneurs, incorporated professionals can build a flexible early retirement strategy, support a modest lifestyle wealth goal, and create a stronger foundation for retirement planning for entrepreneurs, long-term tax deferral, and lasting family wealth.Ready to connect? Text us your comment including your phone number for a response! If you listen to podcasts like The Rational Reminder with Ben Felix & Cameron Passmore, The Canadian Investor, The Canadian Real Estate Investor, Build Wealth Canada with Kornel Szrejber, ChooseFI with Jonathan Mendonsa & Brad Barrett, Afford Anything with Paula Pant, The Ramsey Show with Dave Ramsey, BiggerPockets Money, The Money Guy Show with Brian Preston & Bo Hanson, Invest Like the Best with Patrick O'Shaughnessy, Masters in Business with Barry Ritholtz, The Wealthy Barber Podcast with David Chilton, Financial Audit with Caleb Hammer, In the Money with Amber Kanwar, The Loonie Hour with Steve Saretsky, or More Money Podcast with Jessica Moorhouse — we're confident you'll enjoy Canadian Wealth Secrets too.Canadian Wealth Secrets is an informative podcast that digs into the intricacies of building a robust portfolio, maximizing dividend returns, the nuances of real estate investment, and the complexities of business finance, while offering expert advice on wealth management, navigating capital gains tax, and understanding the role of financial institutions in personal finance.

Most people think of their apartment as a home. But if you live in a co-op, condo, HOA, or shared residential building, you are also part of a business, one with budgets, vendors, reserves, repairs, insurance, board politics, and financial decisions that can directly affect your monthly costs and property value. In this episode of The Real State, Alex Norman and Jamie Blond sit down with Tina Larsson, Co-Founder of The Folson Group, a former Wall Street analyst who organized a board coup in her own New York City co-op after questioning years of maintenance increases. By applying business discipline to building operations, Tina helped uncover $340,000 in savings and went on to build a consulting firm helping co-op and condo boards run their buildings more effectively. The conversation begins with the difference between a co-op and a condo, then moves into Tina's personal story: how she went from Wall Street analyst to co-op reformer after discovering that her own building was wasting money. She explains what a board coup actually looks like, why transparency matters, and how residents can take a more active role in protecting what is often their largest lifetime investment. Alex, Jamie, and Tina also explore the hidden business inside residential buildings: maintenance fees, vendor contracts, staff roles, reserve funds, capital projects, special assessments, and the decisions that boards often inherit without questioning. Tina explains why many boards are not intentionally mismanaging buildings, but often lack the technical expertise, time, or business framework needed to make better decisions. The episode also looks at the pressure facing New York City buildings today, including aging infrastructure, rising repair costs, Local Law 97, sustainability mandates, electrical capacity, heat pumps, boilers, and the financial tension between doing what is necessary and keeping buildings affordable for residents. The conversation also touches on the Champlain Towers collapse in Surfside, Florida, deferred maintenance, structural assessments, and why residents and buyers need to pay closer attention to how buildings are maintained and managed. Whether you live in a co-op, own a condo, serve on a board, manage a building, or are thinking about buying in New York City, this episode reveals why your building is not just where you live. It is a shared business, a shared investment, and a shared responsibility. Topics discussed: Co-op vs. condo ownership NYC co-op boards and condo boards Why buildings need to be run like businesses Tina Larsson's $340,000 co-op savings story Maintenance fees and annual increases Vendor contracts and building staff Board transparency and communication Property managers and resident managers Special assessments and capital repairs Local Law 97 and sustainability requirements Aging NYC buildings and infrastructure Deferred maintenance and building safety Champlain Towers / Surfside lessons What buyers should look for before purchasing Why Tina recommends looking at the basement Guest: Tina Larsson, Co-Founder of The Folson Group Website: thefolsongroup.com Connect with The Real State: Website: therealstate.co Send us feedback, topic ideas, or guest suggestions through our website. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

On this episode of Article 19, Past meets Present as Kristen and Raquella bring on former host, Amanda Roper, to unpack the extension of the Title 2 deadlines and what that means for institutions, individuals, and, most importantly, assistive technology users. If you'd like to submit a public comment on the extension and the ruling, you may do so before June 22nd, 2026. Go to the following link, and click on "submit comment." https://www.federalregister.gov/documents/2026/04/20/2026-07663/extension-of-compliance-[…]imination-on-the-basis-of-disability-accessibility-of-web

MicroStrategy founder Michael Saylor took the Consensus mainstage to unveil what he calls the killer app for Bitcoin: digital credit. Saylor explained how his company's STRC instrument, now the biggest and most liquid preferred stock in the world after just eight months, strips yield from Bitcoin's volatility to create an 11.5% tax-deferred return with near-zero volatility. He argued that digital credit is the missing bridge between Bitcoin and crypto, TradFi and DeFi, and that it opens the door to a new generation of yield coins that could transform the $350 billion stablecoin market and beyond. - Timecodes: 00:00 - Michael Saylor at Consensus Miami 2026 01:28 - How Digital Credit Works 04:47 - Bitcoin vs MSTR vs STRC Performance 07:27 - STRC Becomes The World's Biggest Preferred Stock 12:55 - The Bridge To Digital Money And Yield 18:27 - The DeFi Opportunity For Builders 19:46 - How Yield Coins Are Replacing Stablecoins 22:34 - Building The Future Of Digital Credit

⁠

SEC Chairman Paul Atkins and his wife reportedly own 54 life insurance policies. Yes, fifty-four! Most people see that headline and think it's extreme. Maybe even a little absurd. Why would anyone hold that many policies? Who does that? But there's a more interesting question worth asking - what does someone who owns 54 policies understand about life insurance that most people were never taught? https://youtu.be/DdGxt2346C8 Because there are two completely different ways to think about life insurance. One is the way most of us were introduced to it: a product you buy, file away, and hope you never need. The other is what someone like Atkins seems to be doing. Building a financial architecture. A system. An infrastructure designed to do real financial work across an entire family and portfolio. That gap is what this article is about. Not Paul Atkins specifically. But what his disclosure reveals about how financially sophisticated people think about control, liquidity, and the capabilities of permanent life insurance that most of us were simply never shown. Key TakeawaysFrom Checkbox to Capital SystemThe Problem With Only Having One StrategyWhy Wealthy Families Think About Control FirstThe Priority Order That Changes EverythingOpportunities Find CashWhat 54 Policies Might Actually Be SolvingEstate EqualizationBusiness Succession and Deferred CompensationLiquidity Without LiquidationTax-Advantaged Access During Your LifetimeGovernment Service and Conflict-of-Interest DisclosuresWhy the Contract Distinction Changes EverythingWhat Family Banking Looks LikeA Real ExampleThe Internal CycleThinking About Family Members as Key PeopleThe Generational DimensionNot All Life Insurance Is the Same ToolWhy Whole Life With a Mutual CompanyThe Question Isn't Why, It's What.Book a Strategy CallFrequently Asked QuestionsWhat is family banking with life insurance?Why would someone own 54 life insurance policies?How does whole life insurance provide liquidity?What is the difference between a life insurance contract and a financial account?Can life insurance really be used as a tax strategy?What type of life insurance works for family banking? Key Takeaways Wealthy families treat life insurance as a capital system, not a product purchase Whole life insurance provides a kind of liquidity and control that no other asset class replicates A life insurance policy is a contract; most other financial assets are accounts, and that distinction matters Multiple policies signal a coordinated financial architecture, not a single coverage decision Family banking uses whole life policy cash value to fund needs within the family without relying on outside lenders Not all life insurance is built for this purpose. A specially designed dividend-paying whole life with a mutual company is the right foundation From Checkbox to Capital System Most people's first exposure to life insurance comes through a W-2 job. You fill out your benefits enrollment paperwork, someone offers you a multiple of your salary, and the pitch is pretty simple: if something happens to you, this replaces what you would have earned. That's not wrong. But it's a very small part of what permanent life insurance can actually do. The consumer mindset asks one question: how little do I need? What's the minimum that takes care of my family, pays off the mortgage, and maybe funds college? That's a reasonable starting point.  But it's also a ceiling. Once you've bought enough to replace income, the logic of that framework says you're done. The business owner mindset asks something completely different. Not how little I can have, but how much I can invest in this to get the most out of it? That question leads somewhere very different, potentially, to 54 policies. The Problem With Only Having One Strategy There's a Thomas Sowell line worth sitting with here: there are no solutions in life, only compromises. Bruce Wehner brought this up at the top of our conversation, and it's the philosophical foundation for everything else we talked about. Anyone absolutely committed to one financial strategy and dismissing everything else isn't being disciplined. They're playing an incomplete game. Think of it like football. You wouldn't go into the championship using only your running back and offensive linemen. Every position exists because every position has a job. Wide receivers do something the offensive line can't. The quarterback does something neither of them can. Financial tools work the same way. A securities-only investor isn't maximizing anything. They're just leaving part of the field empty. Why Wealthy Families Think About Control First Most of us are taught to optimize for rate of return. Net worth is the scoreboard. The fastest-growing asset wins. That framework isn't useless. But it's incomplete, because it ignores the conditions that make returns actually usable. Wealthy families add a different dimension to the scorecard: control. How much autonomy do you have over your capital? Can you access it when you want to? Can you deploy it on your own terms without a bank's approval or an institution's timeline? The Priority Order That Changes Everything Here's the order I've come to think about for financially sophisticated decision-making. Control first. Then access, meaning liquidity and tax treatment. Then guarantees and long-term certainty. Then, growth on top of all of that. That's the opposite of how most people are wired to think. We go straight to growth. We ask about rate of return before we've even asked whether we can get to the money on our terms. The safety, liquidity, and growth triangle is real. You can't maximize all three in a single financial product. A five-year CD gives you safety and predictability but doesn't grow much.  A non-traded REIT might project 18 to 22% IRR, but there's zero liquidity and elevated risk. If you want to hold illiquid, higher-growth positions, you need a guaranteed liquidity cushion somewhere else. Life insurance is often that cushion. Not because it produces the highest returns, but because it's always available and never tied to market conditions. Opportunities Find Cash Nelson Nash used to say, "Opportunities find cash." If you don't have accessible capital, you don't see the opportunity even when it's right in front of you. But if you're sitting on a pool of liquid capital, you can act. That's not just a defensive position; it's an offensive one. And it's one of the things I've found our clients experience firsthand once they have a working cash flow system in place. What 54 Policies Might Actually Be Solving We don't know Paul Atkins' specific financial picture. We're not claiming to. But we can talk through the kinds of financial problems that a sophisticated investor, with a complex estate and a long-term view, might be solving with permanent life insurance. Because each policy is probably doing a job. Estate Equalization Imagine a family business. Two adult children. One wants to run the company; the other doesn't. At death, the default outcomes aren't great. Force both into a partnership and you breed resentment. Have the operating child buy out the other with a loan and you create a cash flow burden from day one. Give one the business and one nothing, and that's obviously not equitable either. A life insurance death benefit can solve this cleanly. One heir receives the business. The other receives a cash equivalent from the policy. No forced partnership. No buyout debt. No hard feelings baked into the inheritance. This is a problem that real estate, retirement accounts, and securities simply cannot solve with the same precision. Business Succession and Deferred Compensation Key man insurance protects a business against the financial impact of losing a critical person, whether that's a top salesperson or a founding partner. The liquidity event from the policy buys time to adapt without being forced to act under pressure. Deferred compensation funded through life insurance is a different use case, but just as valuable. Under ERISA rules, you can't legally contribute more to one employee's 401 (k) than another's. You can't discriminate. But with life insurance, you can. A business owner can set up a policy on a key employee, fund it for five years, and transfer ownership at the end of the term as a form of deferred compensation. It's targeted, legal, and not available through any investment account structure. Liquidity Without Liquidation Highly appreciated assets present a specific problem. Real estate, private equity stakes, business interests: these often aren't liquid. Selling them to cover an opportunity or an emergency usually means a taxable event, often at an inopportune time. Policy cash value doesn't work that way. It's accessible at any time, with no credit approval, no income verification, and no market timing required. You borrow against it for any purpose and repay on your own terms. If your equities are down and you need capital, you don't touch them. You go to the policy. Tax-Advantaged Access During Your Lifetime The death benefit's tax-free treatment is well known. Less talked about is what you can do with cash value while you're still alive. Policy loans let you access accumulated value without triggering income tax. So instead of selling an appreciated position and incurring capital gains, you borrow from the policy.  Whether it's funding an investment, a home renovation, or bringing the whole family together for a vacation, the access doesn't create a tax event. The alternative, pulling from a qualified account, hits you with ordinary income tax plus potential penalties. That's a genuinely different category of financial flexibility. Government Service and Conflict-of-Interest Disclosures When officials step into government roles,...

The Rebel News podcasts features free audio-only versions of select RebelNews+ content and other Rebel News long-form videos, livestreams, and interviews. Monday to Friday enjoy the audio version of Ezra Levant's daily TV-style show, The Ezra Levant Show, where Ezra gives you his contrarian and conservative take on free speech, politics, and foreign policy through in-depth commentary and interviews. Wednesday evenings you can listen to the audio version of The Gunn Show with Sheila Gunn Reid the Chief Reporter of Rebel News. Sheila brings a western sensibility to Canadian news. With one foot in the oil patch and one foot in agriculture, Sheila challenges mainstream media narratives and stands up for Albertans. If you want to watch the video versions of these podcasts, make sure to begin your free RebelNewsPlus trial by subscribing at http://www.RebelNewsPlus.com

President and Senior Financial Planner Paul L. Moffat and Director of Financial Planning Jordan Naffa take a deep dive into the Southwest Airlines Pilots Association (SWAPA) retirement system and the advanced planning opportunities available to Southwest pilots. While the retirement program offers some of the most robust benefits in the airline industry, understanding how the various components work together requires careful planning and expertise.Paul and Jordan break down the key elements of the SWAPA retirement structure, including 401(k) contributions, non-elective company contributions, profit sharing, deferred compensation plans, and market-based cash balance plans. They discuss how pilots can effectively manage retirement plan overflow, navigate tax planning opportunities, and make informed decisions about long-term wealth accumulation.The conversation also explores the risks associated with non-qualified plans, the importance of diversification, and how advanced planning strategies can help pilots maximize retirement income while maintaining flexibility throughout their careers and retirement years.In this episode:● Understanding the SWAPA retirement system and its key components● How Southwest's non-elective contributions and profit sharing work● Deferred compensation and market-based cash balance plan strategies● Risks associated with non-qualified retirement plans● Managing retirement plan overflow and tax efficiency● Personal Choice Retirement Accounts and expanded investment flexibility● Advanced retirement income and distribution planning strategiesThe opinions expressed in this podcast are for general purposes only and are not intended to provide specific advice or recommendations for any individual or on any specific security. It is only intended to provide education about the financial industry. It is not intended to provide tax or legal advice. To determine which investments may be appropriate for you, consult your financial advisor prior to investing. Any past performance discussed in this program is not a guarantee of future results. Any indices referenced for comparison are unmanaged and cannot be invested in directly. As always, please remember that investing involves risk and the possible loss of principal. Please seek advice from a licensed professional.Arista Wealth Management is a registered investment adviser. Advisory services are only offered to clients or prospective clients where our firm and its representatives are properly licensed or exempt from licensure. No advice may be rendered by Arista Wealth Management unless a client service agreement is in place.

Last week, we covered why Roth conversions can beso powerful in retirement planning.This week, we're talking about what can go wrong.In this episode, I walk through 12 real-world hurdles and“landmines” that can shrink — or completely eliminate — your Roth conversion window. These are the exact issues I see with retirees and pre-retirees whohave built substantial wealth in traditional IRAs, 401(k)s, and other tax-deferred accounts.We cover:Social Security timing Pension income Spousal employment Selling a business Deferred compensation plans IRMAA surcharges ACA premium tax credits Inherited IRAs and the 10-yearrule Tax-inefficient investments The new senior bonus deduction And more.If you're planning for retirement and want to minimizelifetime taxes while maximizing flexibility, this episode will help you avoid some very costly mistakes.I hope you find it helpful.-Kevin⁠Are you interested in working with me 1 on 1?⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Click this link to fill out our Retirement Readiness Questionnaire⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Or,⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠visit my website⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⛳ PFR Nation (Who This Is For)If you're over 50, have saved seven figures (or multipleseven figures), love golf and travel, and you want to make work optional whileminimizing taxes… welcome to the right place.***This is for general education purposes only and shouldnot be considered as tax, legal or investment advice.

Key Highlights from the Episode: 0:00 – Introduction 1:02 – Should I stay or should I go next year?   2:27 – Why Q4 is often the best time to transition   3:59 – How holidays and client schedules factor into timing   5:35 – Deferred comp considerations for advisors   10:23 – Why firms sweeten deals in Q4 to hit quotas   12:48 – The myth of the “perfect” time to move   14:42 – Leveraging holiday parties and events for client communication   17:08 – Why every advisor's timing decision is unique   23:12 – Emotional readiness vs. waiting too long   25:27 – Rip the Band-Aid off: once you decide, just go   27:09 – Risks of delaying and firm pushback   28:11 – How to connect with Frank & Stacey   Resources: Elite Consulting Partners | Financial Advisor Transitions: https://eliteconsultingpartners.com Elite Marketing Concepts | Marketing Services for Financial Advisors: https://elitemarketingconcepts.com Elite Advisor Successions | Advisor Mergers and Acquisitions: https://eliteadvisorsuccessions.com JEDI Database Solutions | Data Intelligence for Advisors: https://jedidatabasesolutions.com Listen to more Advisor Talk episodes: https://eliteconsultingpartners.com/podcasts/ Follow us on LinkedIn: https://linkedin.com/company/eliteconsultingpartners

Meet the man who pioneered one of the biggest developments in the retirement planning industry. Curtis Cloke, a financial professional of 30 years and the man who's credited with pioneering the Deferred Income Annuity, or DIA as it's called. In this interview, Curtis shares the story of how he developed the game changing retirement tool and gives an example of the "Buy Income, Chase Alpha" strategy which allowed him to generate $82,000 a year of Guaranteed Income, and invest more aggressively with the remaining savings he has, instead of tying it up in the market.Watch the Interview on Youtube for Visuals - https://youtu.be/ISuazQCD1bQBuy Your Tickets to the Life Insurance Summit! Click Here: https://betterwealth.com/summitConnect with Curtis Cloke: Website - https://curtiscloke.com/Software - https://curtiscloke.com/retirement-nextgen.htmlEmail - mgebhardt@thriveincome.comWant to See If Whole Life Insurance Can Improve Your Financial Plan? Schedule Your Clarity Call Here: https://bttr.ly/bw-yt-aa-clarityWant Us To Review Your Permanent Life Insurance Policy? Click Here: https://bttr.ly/yt-policy-reviewWant Free Whole Life Insurance Resources & Education? Go Here: https://bttr.ly/yt-bw-vaultLearn More About BetterWealth: https://betterwealth.comChapters:00:00 Interview Teaser 01:18 Curtis Cloke: Retirement Industry Legend 03:42 The 1999 Discovery 05:08 Deferred Income Annuity (DIA) 13:30 How the DIA Was Named and Developed 20:45 Timber Harvesting 23:05 Why Doing the Right Thing Pays Off Long-Term? 28:12 Legacy vs. Money in Financial Services 36:15 Guaranteed Retirement Income Early 39:35 Diversification and Insurance Company Protections 42:10 Why Annuities Are So Misunderstood? 43:35 Fisher Investments vs. Annuities Debate 45:20 Problem With Calling All Annuities “Bad” 50:05 42 Different Types of Annuities 54:35 Responding to Dave Ramsey's CriticismDISCLAIMER: https://bttr.ly/aapolicy*This video is for entertainment purposes only and is not financial or legal advice. Financial Advice Disclaimer: All content on this channel is for education, discussion, and illustrative purposes only and should not be construed as professional financial advice or recommendation. Should you need such advice, consult a licensed financial or tax advisor. No guarantee is given regarding the accuracy of the information on this channel. Neither host nor guests can be held responsible for any direct or incidental loss incurred by applying any of the information offered.

See omnystudio.com/listener for privacy information.

Closing the loan is just the beginning. In this episode of the Old Capital Podcast, we dive into the hidden world of Agency asset management—where property condition, communication, and execution determine whether you stay in good standing…or get flagged. Learn how to avoid slipping to a "4," navigate new Fannie and Freddie requirements, and position yourself for your next deal—not your last. Key Takeaways: Agency Loan Basics- Agency loans are typically non-recourse, with the property and cash flow as primary collateral. Importance of Property Maintenance- Maintaining the asset protects the lender collateral. Deferred maintenance can lead to operational issues and lender intervention. Asset Management Process- Post-closing oversight shifts to asset management. Heavy communication expected- especially in year one. Annual inspections standard, with increased scrutiny if issues arise. Property Rating System- Scale from 1 (new) to 5 (uninhabitable) A "2" is the target' a "4" triggers serious oversight and additional capital requirements. Falling to a "4" can result in "A-Check" status, limiting future borrowing ability. New tracking systems flag repeat property issues. Final Takeaway: Agency lenders are paying closer attention than ever. The investors who succeed are the ones who stay proactive—maintaining their properties, communicating early, and treating asset management as a critical part of the investment, not an afterthought. Ready to unlock the potential of multifamily syndications? Learn how Michael Becker's proven real estate syndication strategies can help you grow wealth and build long-term financial success. Visit SPIADVISORY.COM to start your journey today.