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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/
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
Lowenstein Sandler's Employee Benefits & Executive Compensation Podcast
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.
Tim Szabo is the owner and president of Trail Tire stores in Edmonton, Alberta, and Hoosier Tire Western Canada. He grew up working in his father's repair shop, became a journeyman technician at 21, and has spent nearly three decades in the automotive industry.His experience spans vehicle repair, shop operations, customer service, and business ownership. That background gives him a clear view of how long car loans and repairs are changing customer behavior, maintenance decisions, and the role independent shops play in keeping aging vehicles on the road.In this episode…Eight-year auto loans have changed the repair cycle. Drivers reach the five-year mark still owing years of payments just as suspension work, fluid services, leaks, tires, and other major expenses begin appearing. Trading the vehicle often means carrying negative equity into another long loan, so repairing and maintaining the current vehicle becomes the more practical path.That shift creates a new responsibility for multi-location operators. A declined repair no longer means the customer sees no value in the work. Many customers lack a clear picture of what the vehicle is worth, what they still owe, and what continued neglect will cost. Shops that explain those numbers, document developing problems, and present financing without pressure become trusted advisers rather than another unexpected bill.Customer education also protects future revenue. Clear recommendations, digital inspection records, and documented “next time” items give customers time to plan. They show exactly how a small leak, skipped service, or delayed repair turns into a larger failure. The shop earns trust by helping customers avoid the same financial situation again.Here's a glimpse of what you'll learn: [01:02] Tim Szabo's automotive background and career path[05:03] Long car loans reshape vehicle repair decisions[08:20] Trail Tire's approach to customer financing[14:34] Deferred maintenance reduces vehicle value[18:36] Customer education prevents repeat repair problems[22:47] Education as the foundation of a successful shop[25:05] Digital records strengthen transparency and trust[27:09] Tire preferences and budget tire demand[29:46] Business lessons from Ford v Ferrari[35:01] Tim's guiding philosophy and closing adviceResources mentioned in this episode:Tim Szabo on LinkedInTrail Tire Tamarack WebsiteTread PartnersGain Traction Podcast on YouTubeGain Traction Podcast WebsiteMike Edge on LinkedInQuotable Moments:“Mileage doesn't kill cars, neglect does.”“People's vehicle is their freedom.”“The customer needs to know everything we're doing, so that we don't hide anything from them.”“Educating your customer is a key foundation in owning a successful shop.”“You never get in life what you deserve, you only get what you negotiate.”Action Steps:Review how service advisers explain negative equity.Create a standard process for presenting repair financing.Document every developing problem.Build a maintenance plan around long car loans and repairs.Track declined work and revisit it at every visit.
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,...
Provisions! Seemingly a simple standard to get the easy marks, but it isn't always the low-hanging fruit we expect.In this episode, I introduce IAS 37 Provisions from the ground up. Provisions are very examinable, and let's face it, they can look easy at first. But the examiner can make them tricky very quickly. I explain what a provision is, why the standard exists, and the three key recognition criteria: a present obligation from a past event, a probable outflow of economic benefits, and a reliable estimate.You will learn how to apply IAS 37 in exam-style scenarios, including legal claims, environmental clean-up obligations, contingent liabilities, and the all-or-nothing approach to recognition. I also show how provisions affect profit or loss, the statement of financial position, cash flow, EPS, and even deferred tax. The aim is simple: help you pick up the easy marks, structure your answer properly, and stay calm when the examiner adds a twist.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:(00:00) Why provisions are examinable(01:24) What is a provision?(02:47) Why IAS 37 exists(04:08) The three recognition criteria(04:35) Legal and constructive obligations(05:42) The all-or-nothing approach(06:22) When it becomes a contingent liability(07:06) The double entry and cash flow link(08:34) When provisions are capitalised(09:35) Worked example: unfair dismissal claim(13:28) Environmental clean-up provision(17:09) Deferred tax implications
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.
It's hard to believe we're already kicking off Season 3 of the No Vacation Required podcast!When we started this journey, we were mostly talking about careers and workplace fulfillment. Then we spent a season questioning the assumptions we all inherit about work, success, and the way life is supposed to be lived. Along the way, we realized something important: all of those conversations were really pointing toward a much bigger question.How do you build a life you don't need a break from?That's what this season is about.In this first episode, we're sharing the origin story behind No Vacation Required and introducing one of the foundational concepts that changed our lives: what we call the Dream of the Planet – the collection of assumptions, expectations, and scripts we inherit about what a successful life should look like.We talk about the marathon-training conversations that first led us to question why we were postponing fulfillment until some distant future. We explore how a single moment can break the schema, reveal that there are other ways to live, and open the door to creating a dream that actually belongs to you.We also share why Season 3 is different. Rather than focusing primarily on our consulting work or research, we're grounding these conversations in our own lived experience – the lessons, experiments, mistakes, and discoveries that helped us build a No Vacation Required life.If you've ever felt like you're following a script that doesn't quite fit, this episode is for you.Onward and Inward,Kent & CaananCHAPTERS:(00:00) Welcome to Season 3(01:00) Mind Share: Yesteryear, control, freedom, and the stories we inherit(04:00) The No Vacation Required origin story(07:20) Deferred fulfillment and the marathon conversations(10:00) Breaking the schema and seeing beyond the Dream of the Planet(11:30) Why Season 3 is different(15:00) Everyday fulfillment and knowing yourself(17:00) Relationships as catalysts for growth(19:15) The Dream of the Planet explained(22:00) The ongoing process of self-discovery(29:00) Mailbag: Why workplace personality tests often miss the markKEY TAKEAWAYS:The Dream of the Planet Isn't Reality: Many of the beliefs we hold about success, fulfillment, and how life should unfold are inherited rather than consciously chosen.Fulfillment Starts with Knowing Yourself: The more clearly you understand who you are, the easier it becomes to separate what truly matters to you from what you've simply been taught to want.Breaking the Schema Changes Everything: A single moment of awareness can create space for entirely new possibilities and a life designed around your own values rather than someone else's expectations.SUPPORT NO VACATION REQUIRED:If this episode resonated with you, please leave a review. It is one of the best ways to help more people discover the podcast.Subscribe: Never miss an episode by hitting the follow button.Visit Our Website: https://novacationrequired.comRead the Book: https://novacationrequired.com/bookFollow Us On Instagram: https://www.instagram.com/novacationrequired/
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.
Hardware company Atech raised $800,000 in pre-seed funding, including from a16z's scout fund, Sequoia Scout Fund, and Nordic Makers. Plus, Meridian Ventures, the venture firm founded by Devon Gethers and Karlton Haney, announced on Friday the raise of a $35 million second fund to back pre-seed and seed-stage companies founded by those who have deferred MBAs. Learn more about your ad choices. Visit podcastchoices.com/adchoices
Deferred due to the US-Israeli war against Iran, Trump finally visited China last week, where he received an apparently 'warm' welcome from Xi Jinping, along with a stern warning: do not mess with Taiwan, and let us work to avoid the 'Thucydides Trap', wherein a dominant power inevitably wars with a rising power. Whether Trump understood the finer points of Chinese diplomacy is unclear, but it's clear he intended to 'do big business deals' by bringing 'our finest' captains of industry in...
Send Jay comments via textThe Strategic Settlement: Managing Marital Uncertainty and Gray Divorce After the Kids Launch.When the constant background noise of full-time parenting finally clears, the resulting quiet can cause a long-simmering marriage to become suddenly loud. Tamara Frankfurt Odinec and Shari Joseph (former American Express corporate strategy leaders and co-founders of the expert-led divorce support platform My Next Chapter) join Jay Ramsden to dismantle the isolation surrounding midlife relationship transitions. Whether you are dealing with "marital uncertainty," actively co-parenting through a "deferred divorce" limbo, or facing a sudden gray divorce once the nest is empty, this conversation provides a high-level operational map for your next steps.Drawing from their own contrasting corporate-level and high-conflict experiences, Tamara and Shari unpack why having just a therapist and a lawyer often leaves high-achieving parents feeling completely overwhelmed. They share data-driven insights on shifting cultural stigmas and explain why research shows that adult children in their twenties often face unique structural identity crises when a long-term family framework disinvests. Discover the tactical utility of confidential, anonymous spaces for legal and financial auditing before retaining counsel, how to balance intense guilt with personal freedom, and how to spot the "glimmers" of an intentional, self-sovereign second act.Strategic Highlights:The Marital Uncertainty Audit: Understanding why taking a pause to research options does not automatically mean choosing divorce.The Limbo Framework: Navigating the practical living arrangements, communication systems, and boundaries of a deferred divorce.The 20s Identity Shift: Managing the psychological impact of midlife family restructuring on young adult children.Pre-Legal Infrastructure: Utilizing targeted financial templates, mental health checklists, and anonymous communities to anchor yourself before hiring an attorney.Tamara Frankfort Odinec & Shari Joseph Bios (Learn More): Tamara Frankfurt Odinec and Shari Joseph are corporate strategy veterans and co-founders of My Next Chapter. They blend digital marketing, legal frameworks, and mental health resources to help individuals navigate marital uncertainty, gray divorce, and high-stakes identity reorganization.Support the showSUPPORT THE MISSION: If this episode provided strategic value, please Follow and Save the show on Apple Podcasts or Spotify. Your "Save" helps us reach more families navigating the challenge of change. WORK WITH JAY (1:1 PRIVATE ADVISORY): Move beyond general advice. Jay works with a select number of parents in a 6-month Private Advisory Container to navigate identity recalibration and second act design. Book a Second Act Strategy Session
Asset Champion Podcast | Physical Asset Performance, Criticality, Reliability and Uptime
Jason Callis, CFM, SFP, LSSGB is Executive Director, Facility Operations & Asset Management at Aramark Destinations where he is accountable for operational strategy leveraging his years of experience in global workplace, facilities, and infrastructure. Mike Petrusky asks Jason his current perspectives on how managing the built environment requires adaptability and resilience to navigate ongoing operational challenges while striving to improve the spaces where people work and visit. They discuss how AI offers significant speed-to-market opportunities for facility managers, enabling more efficient data analysis and improved business outcomes. Jason shares how Lean Six Sigma principles focus on efficiency and quality in maintenance and operations by minimizing rework and ensuring "one-touch" processes that maximize productivity of skilled tradespeople. Deferred maintenance and supply chain disruptions from recent years may have shortened asset life cycles, requiring closer attention to product quality and capital planning, so Mike and Jason offer practical advice and the inspiration you need to be an Asset Champion in your organization! Connect with Jason on LinkedIn: https://www.linkedin.com/in/jason-e-callis-cfm-sfp-lssgb-63443830/ Learn more about Aramark Destinations: https://thenationsvacation.com/ Listen to Mike's favorite Synthwave Mix on Spotify: https://open.spotify.com/playlist/37i9dQZF1DX8V4BE7YIpvE?si=OwdlaaZJQDSs7ECi43fJyg Explore Eptura™: https://eptura.com/ Discover free resources and explore past interviews at: https://eptura.com/discover-more/podcasts/asset-champion/ Connect with Mike on LinkedIn: https://www.linkedin.com/in/mikepetrusky/ Watch the full video here: https://www.youtube.com/playlist?list=PLSkmmkVFvM4H3pwnlU2AuqynuRDpvnh4J
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AP correspondent Ed Donahue reports on a new government crackdown on fraud.
What if the greatest loss in your life isn't failure, burnout, or even heartbreak, but the quiet absence of moments that make you feel alive? In this episode, we explore Deferred Life Syndrome…the pattern of postponing joy, rest, and meaningful experiences for “later.” After the busy season. After things calm down. After everything lines up perfectly. But what if that “later” never actually comes? Drawing on research around regret, lived experience, and the realities of modern life, especially for women navigating invisible labor and constant expectations, this episode challenges the myth of the perfect time and offers a more grounded, empowering alternative. This is not about abandoning responsibility. It's not about living recklessly. It's about building a life you actually experience, not just manage. In This Episode, We Explore: Why “I'll do it later” quietly becomes a life pattern The concept of Deferred Life Syndrome and how it shows up What end-of-life research reveals about regret The hidden cost of productivity over presence Why “less busy” is a myth The power of thinking in seasons, not perfection How small, intentional moments can interrupt autopilot Moving from “someday” to “here's how” The goal isn't to wait for a life that feels alive. The goal is to stop deferring and start living it. Right here. Right now. In whatever way you can. If this episode resonated, share it with someone who needs permission to stop waiting. Listen, Subscribe, Connect! Instagram: @AdvancingWomenPodcast Facebook: Advancing Women Podcast LinkedIn: Dr. Kimberly DeSimone
Old Capital Real Estate Investing Podcast with Michael Becker & Paul Peebles
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.
In this episode, Matt Mendrano from “Dynamo” joins the show to reveal the #1 mistake wholesalers make that kills their deals. Learn why "leaving meat on the bone" is crucial for your buyers, how to leverage hard money lenders as free local mentors, and the ins and outs of asset-based lending.Tune in to level up your real estate game and build bulletproof relationships with private lenders! Be a part of the TTP training program now.---------Show notes:(0:00) Beginning of today's episode (1:03) Using hard money lenders to find cash buyers (1:47) The tiers of wholesaling and why you must "leave meat on the bone" (3:46) What is "loan to own" sharking and how to avoid it (5:32) Why local hard money lenders are your best free mentors (8:06) Busting the biggest myths about private lending (11:55) Explaining asset-based lending in simple terms (13:58) Understanding loan-to-cost (LTC) and 100% financing (16:00) Creative financing: Deferred payments and rolling interest (27:18) The importance of actually having the ability to close (29:12) The "15-yard line" strategy for real estate success----------Resources:DynamoLima One CapitalLendingOneRealtor.comTo speak with Brent or one of our other expert coaches call (281) 835-4201 or schedule your free discovery call here to learn about our mentorship programs and become part of the TribeGo to Wholesalingincgroup.com to become part of one of the fastest growing Facebook communities in the Wholesaling space. Get all of your burning Wholesaling questions answered, gain access to JV partnerships, and connect with other "success minded" Rhinos in the community.It's 100% free to join. The opportunities in this community are endless, what are you waiting for?
Waiting sounds reasonable. Until you run the numbers. Protect what you have built. Let the deferred comp vest. Move when the timing is right. But is waiting actually costing you more than you realize? In this episode of Advisor Talk, Frank LaRosa and Stacey Frank break down why 2026 may be the most opportune time in recent memory for financial advisors to evaluate a firm transition and why deciding not to decide is still a decision with real financial consequences. Frank walks through why transition packages have reached historic highs, what is driving firms to be so aggressive in recruiting top advisors, and what advisors should actually be evaluating when they consider a move. He also breaks down the real math behind W2 versus 1099, the tax advantages most advisors overlook when going independent, and shares real client examples of advisors going in both directions and why the right move is not always the obvious one. Frank and Stacey also discuss what advisors should be asking themselves right now including one question that cuts through all the noise and gets to the heart of whether a move makes sense. Questions answered in this episode include: Why are financial advisor transition packages at historic highs in 2026? Should a financial advisor wait for deferred comp before making a move? What is the real financial difference between a W2 and 1099 advisor structure? How should a financial advisor evaluate which firm is the right fit? Is going independent always the right path for a financial advisor? What is a unicorn recruit and why do some advisors have more leverage than they realize? When does it make sense to move from independent back to a W2 or regional firm? Chapters: 00:00 – Why Deciding Not to Decide Is Still a Decision 00:57 – Welcome to Advisor Talk 04:02 – Why Transition Packages Are at Historic Highs 11:44 – Why Firms Need to Recruit to Survive 16:08 – The Tax Advantage of Going Independent 20:33 – Why Waiting for Deferred Comp May Cost You Millions 25:44 – How to Evaluate Which Firm Is Right for You 30:18 – How to Reach Frank and Stacey Learn more about Elite and our 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 & Acquisitions https://eliteadvisorsuccessions.com JEDI Database Solutions | Technology Solutions for Advisors https://jedidatabasesolutions.com Listen to more Advisor Talk episodes: https://eliteconsultingpartners.com/podcasts/ Follow us on LinkedIn: https://www.linkedin.com/company/elite-consulting-partners/ Listen to more Advisor Talk episodes: https://eliteconsultingpartners.com/podcasts/
James Shapiro discusses Federal Theatre Project plays like One-Third of a Nation, which critiqued housing inequality, and Liberty Deferred, a never-produced play about lynching in America.
Call us: 631-377-4869! It's a So You Wanna Talk to Samson Wednesday! We start things off with the National Championship game! Can you give me your opinion on Indiana's average age of its roster? Is this the new world we're in? (10:20) Baseball's media rights deal is up in two seasons, but the CBA is up next season… Why wouldn't the MLBPA take a one-year extension before signing a new longterm deal? (18:10) Why doesn't MLB just get rid of deferred contracts? (32:00) How does Tony Clark spread his message throughout the union? (40:45) Let's talk Greenland. Learn more about your ad choices. Visit podcastchoices.com/adchoices