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Episode 288-Elections Have Consequences-Sometimes Good Ones  Also Available OnSearchable Podcast Transcript Gun Lawyer — Episode Transcript Page – 1 – of 18 Gun Lawyer Transcript – Episode 288 SUMMARY KEYWORDS Gun laws, ATF, DOJ, President Trump, Second Amendment, interstate firearm transport, FOPA, administrative code, private sales, bump stocks, youth handgun safety, NFA items, Miranda rights, Fish and Game, hunting violations. SPEAKERS Teddy Nappen, Evan Nappen, Speaker 2, Louis Nappen Evan Nappen 00:18 I’m Evan Nappen. Teddy Nappen 00:20 And I’m Teddy Nappen. Evan Nappen 00:22 And also with us today is Louis Nappen. So, we have a very special show, and it’s going to be very interesting in terms of things that you need to know to protect yourself. And some very, very exciting news here out of the ATF, the DOJ, and of course, this is due to President Trump. President Trump, as you may recall, ordered a full review of gun laws. Things that could be done to improve and change the laws, and this includes what are known as final rules and proposed rules. The rules are the Administrative Code. Evan Nappen 01:10 Under federal law, you have statutes that are passed by Congress and signed into law, and then you have what is the federal code. The code is done by administration. Those are the various agencies that propose rules that can and do, in fact, have the force of law, and they are used to interpret the law. These agency rules are very important in how courts and prosecutors will be guided, and the rules are extremely, can be extremely, helpful for individuals that face legal issues in being able to defend themselves. Now, of course, the Biden administration abused these, this rulemaking authority to create anti-Second Amendment gun rights oppression. Rules that he couldn’t get passed legislatively. Well, President Trump, through the DOJ and ATF, has put an amazing package together of 34 new and proposed rules, and I want to talk about a number of them and highlight ones that are particularly important. Evan Nappen 02:43 So, President Trump, remember, signed that Executive Order. It was EO 14206, protecting Second Amendment rights. (https://www.federalregister.gov/documents/2025/02/12/2025-02636/protecting-second-amendment-rights) Now, this review went on for a year, and now we see the fruits of this very Page – 2 – of 18 intensive review. One of the key things that is going to be of major effect to just uncountable numbers of gun owners is the easing of interstate firearm transport. There will be no more “gun free zone” nightmares. That is something he set out to do. I’ve looked at many, many sources, and many different articles, primary sources, and I just want to say that I found a great, great article here called “DOJ and ATF Release Landmark 34-Rule Package Bolstering 2A Rights” by GunStuff TV Reporter. (https://gunstuff.tv/doj-and-atf-release-landmark-34-rule-package-bolstering-2a-rights-easier-interstate-transport-ffl-sales-and-nfa-processes/) Evan Nappen 03:48 I found that this article did an excellent job. I just want to point out that, as this article states, the actual rule itself hasn’t been published, but information has gotten out. Get a load of what the new FOPA (Firearm Owners Protection Act), the new firearm interstate transport protections that are going to come. It’s going to absolutely make it explicit that FOPA, meaning the Firearm Owners Protection Act, protections for unloaded, locked firearms in vehicles, even with states with draconian assault weapon bans. Hint, hint. Like New Jersey, the DPRNJ, Democratic People’s Republic of New Jersey and other states. A new safe passage presumption for hunters, sport shooters, and travelers with valid permits from their home state. So, this is now laying groundwork here for administrative recognition of carry permits. A continuing step forward, honestly, for gaining full national reciprocity. This is a great step in that direction. Evan Nappen 05:10 Also, streamlining documentation requirements. No more notary-stamped affidavits just to prove you’re not a criminal. Again, with recognition of these documents laying more groundwork for national reciprocity. Enforcing, expanding and clarifying the FOPA for interstate transport. Let me tell you, folks. It’s something that we deal with all the time in the practice. We have folks coming through New Jersey who are getting arrested, getting charged, and we have to fight and assert Title 18-926a. With these Administrative Code changes, just on that alone, it’ll be of tremendous help. There are many other things in this bill. Let me give you some highlights. Not bill, in this Administrative Code. Here are some great highlights. They were going to remove the pistol stabilizing brace, full rescission of that so-called factoring criteria rule, where they turned millions of brace pistols into unregistered SBRs. Even though courts have already put injunctions on it, this rule will make it crystal clear as a Federal Code regulation. Teddy Nappen 06:28 Now the ATF won’t be trying to break down your door for them. Evan Nappen 06:31 Right! And then the “engaged in business” definition, this was a really evil thing that Biden and company did, where they expanded what “engaged in business” meant. So that if you just happen to sell a gun in a lawful private sale, they would claim that you are a dealer. They were trying to just destroy any private sales. Now, of course, in New Jersey, private sales are prohibited by state law, but in real America, they are not. This federal attempt to turn every private seller into a dealer is being removed and taken away so that the statutory standard returns to the standard from the Bipartisan Safer Communities Act deal. There’s also going to be, in machine guns, removal of bump stock Page – 3 – of 18 language to comply with Cargill, the Supreme Court case of Garland v. Cargill. They’re going to remove that language, get rid of it. So that it’s crystal clear about bump stocks, but New Jersey has their state ban. But still again, it’s great news. Evan Nappen 07:49 Federally, they’re ending the ridiculous Youth Handgun Safety Act notices. You don’t have to, you won’t have to have those signs everywhere and giving out pamphlets. That’s always the first thing everybody throws away, right? Just think of how many trees are going to saved by getting rid of that. So, that’s part of it. They’re modernizing paperwork, folks. It’s really amazing. They’re going to do a comprehensive overhaul of the 4473. That’s the paper that you sign federally. And they’re going to make it so that when you have a NICS check, it’s valid for even a longer period of time. They’re going to incorporate electronic forms in the way you can do NFA now electronically, and that’ll be way faster auto population. You’ll be able to go online, auto populate, have it filed, even before you go to a dealer. Evan Nappen 08:49 And even more interesting is that this is going to lay the groundwork for mail-order guns. That’s right, folks. Mail-order guns. How can that be? Well, I’ll tell you. Right now, you can, if you didn’t live in the DPRNJ, of course, you can buy a silencer, and it can be shipped directly to your door. Even when you buy, for example, from Silencer Central (https://www.silencercentral.com/), they have it all set. They have a network of dealers through the states where suppressors are legal. The paperwork is processed electronically, and the silencer gets delivered direct to your door through this network. With the changes happening here, you’ll be able to go online, find a gun that you like from who knows, one of the major distributors or companies that will be out there, online order what you want, and do your 4473 through an auto-fill interface. Making it even easier. The same way they do it now for suppressors. And that firearm will then be shipped to your door. You don’t even have to leave your home. So, that’s where this is going. Evan Nappen 10:08 It’ll expand it and make it so it takes another good slice out of interstate handgun prohibition. You’ll be able to purchase on a countrywide basis, even though there’s a local dealer network that gets incorporated. It will follow, I’m sure, the silencer model that you see operating right now. Allowing for electronic record keeping, getting rid of the infinite record retention. Remember now, they tried to make it so that every 4473, all the records, the A and D have to be kept forever. Nope. That’s going to be limited either to 20 or 30 years instead, and then they get destroyed. Setting up Easy Check, even better for FFLs, and easing same state sales so that you can get over this non over the counter sales issue that requires, again, physical presence, going to the store. All that. This system is going to revolutionize and modernize our ability on purchase of firearms. Evan Nappen 11:25 Of course, the interstate transport is major. Then, if you’re doing anything with NFA, because maybe you have dual residency or you live in a free state, as opposed to, let’s say New Jersey, and you have NFA items, well, some very interesting things here on the NFA side for the National Firearms Act. Right now, the way the law was, if you want to transport, let’s say, your full auto interstate from one gun legal state to another, you have to get permission in advance. They’re getting rid of that. As long as you’re Page – 4 – of 18 not going for more than a year, you won’t have to get advance approval for moving your NFA items. When you register to buy items through NFA, they’re going to allow joint spousal registration. So, you can just jointly own, let’s say a suppressor or full auto, or whatever you’re doing without the need to have a trust. Evan Nappen 12:28 They’re getting rid of, no more CLEO (Chief Law Enforcement Officer) notification. So, that is an important start. Way back, we had where whenever you wanted to buy anything NFA, and it’s the old days of paper, of course, with NFA, the Chief Law Enforcement Officer wherever you lived, had to approve your NFA acquisition. Whether it was a suppressor, full auto, DD, SBR, whatever it was, they had to do the CLEO sign off. And if the Chief Law Enforcement Officer just decided, hey, I don’t think anyone should have one of these, and I’m not signing it, even though there’s no reason against you personally, there was nothing you could do about it. Nothing. You were dead in the water and couldn’t make your NFA acquisition. Lo and behold, NFA trusts became the loophole. If you set up an NFA trust, they were not subjected to the CLEO notification. So that’s why most folks went with that, because you avoided it entirely. Hence, ATF ended up with 10,000 trusts that was specifically getting rid of this rule. It led to the loophole. Let’s say we’ll call it that. The loophole creating the freedom, because then ATF said, guess what? We’re not going to require the Chief Law Enforcement Officer to have to approve it anymore. Instead, we just give them notice. They just get notice. Well, now they’re not even going to get notice. They’re out of the picture. There’s no reason for it. What? The federal government can’t handle it themselves? Of course, they can. No more CLEO notification. It’ll speed things up. On the interstate transport issue, just so you know, normal travel stops are going to be specifically acknowledged for what we call in New Jersey, reasonable, reasonable deviation, and I’m sure even more expansive than that. Yeah, Teddy? Teddy Nappen 14:50 Well, one of the things that, the big freak out that people seem to be having is with like, even The Trace. They were so freaking out of the proposal. (https://www.thetrace.org/2026/04/atf-gun-rule-changes-cekada/) They put out a whole article today, sorry, April 30, talking about like the they’re removing the modern gun reforms. They always like to play off like that every time. The thing they were pointing at the most is the attack on removing the predominantly earn a profit. The requirement for firearm sellers who predominantly earn a profit to get a license, which that was just a catch all weasel clause that they were going to heavily abuse if it had stayed. So, I just thought. Evan Nappen 15:35 That’s true. Teddy Nappen 15:35 I just thought and. Evan Nappen 15:37 They did, in fact. That’s what led to that individual when they made, I don’t remember his name right off, but he ended up shot and killed. He was a decent, law-abiding guy, where they tried to claim he was Page – 5 – of 18 acting as a private deal under this definition, and he was essentially, you know, killed over that law itself. Teddy Nappen 16:02 So, they’re aim is to close that. Evan Nappen 16:04 Yeah. This is closely get rid of. Teddy Nappen 16:07 The justification they always give is to close the gun show loophole, which is still a hoax. That’s a hoax. It’s already been disproven. I think it goes back to Obama, who said, like, I think it was the Arizona Gun Show for that to get to Illinois, which, that’s total crap. But, again, they never get tired of trotting out the whole false facts. Evan Nappen 16:32 Nope, they don’t. And this is great because it was the gun rights suppressors that are funded by, you know, our billionaire Leftist groups that pushed all this. That infiltrated through the Biden administration. That got federal funding, even to those organizations who, through their think tanks, created all these new ways of oppression. Trump is surgical, not just surgically removing everything that they put in, but expanding into wins for us across the board. It’s very exciting, and it’s great to see. It’s going to help so many people, even many, many of those that have cases pending now. Evan Nappen 17:27 Hey, let me tell you about our good friends at WeShoot. WeShoot is a range in Lakewood, New Jersey. They have a phenomenal range there. It’s where Teddy and I and Lou, we all shoot there. We all got our certifications there. They have a great pro shop, a great range, and great training. You need to check out WeShoot in Lakewood. You can go to their website, which is, of course, weshootusa.com. They have just wonderful folks. We love it there. I want to mention that on May 21 they’ll be having the Diversity Shoot at WeShoot. That’s with our friend Tony Simon. He’s back at WeShoot. And this is just a great night, an unforgettable night. It’ll be Thursday, May 21 ,and it’s only $20. Seriously, just 20 bucks. And there is free pizza. I think you can probably get your 20 bucks in pizza and drinks alone. So, go there. You’ll be able to talk with Tony. Have a real conversations about your rights and all the good stuff that we all care about. You’ll have hands-on experience, and you’ll get to try some really cool gear. Check out the great handguns and rifles. You’ll be able to shoot and get some training and learning. There’s range time, targets, you name it. It’s all covered, even rental. Everything’s covered. It’s great. They have prizes. This is an awesome event. Put it on your calendar, folks, for me, May 21st at WeShoot. Just check it out right online at weshootusa.com. Evan Nappen 19:38 Let me also mention my book. I will shamelessly promote my book at all times. Go to EvanNappen.com and order your copy today. It’s over 500 pages, 120 topics, all in a question and answer format that makes it easy for you to deal with the insane matrix of gun laws that exist in the DPRNJ. Speaking of Page – 6 – of 18 which, we have here today, my brother and ace attorney of the firm, Louis, who is going to be talking to us today about the very important. Wait, wait. Before we what? What, Teddy? Teddy Nappen 20:27 I just wanted to point out something. Again, I wanted it for the article regarding the whole ATF changes. I love how The Trace try to paint this as they’re adding new rules. Part of the package would make it easier for dealers to travel across state lines and stop for hotels, gas stations or food, even in stricter gun laws states. Evan Nappen 20:53 Oh my G-d! Teddy Nappen 20:55 I know. Yeah. Evan Nappen 20:57 It’s almost like freedom or something weird like that. Teddy Nappen 21:02 And almost like there isn’t the federal protection where you’re going from one place to another place, right? Evan Nappen 21:06 Oh, my goodness, The Trace. The Trace should make their logo like somebody just clutching pearls. They’re just pearl clutching all the time. Oh, please spare me. So, normally, you know, at the end of our show, we do the GOFU. But today, with Brother Lou here, we have a very important GOFU, and we’re going to expand and learn about this very serious GOFU that affects our sportsmen, our hunters, and firsthand, I want you to get a more in depth understanding. As you know, GOFUs are Gun Owner Fuck Ups, where gun owners make mistakes. This is a mistake that we’ve seen, and I don’t want you to make. Lou. Louis Nappen 21:57 I’d like to say hello to my brother. You said, I’m your brother. You’re also my brother. Evan Nappen 22:03 No way! When did that happen? Louis Nappen 22:05 Okay. So, what this one is, actually, you could call it a GOFAG GOFU because it’s Fish And Game. It’s a Gun Owner Fish And Game GOFU. Anyway, moving on. This is about. Evan Nappen 22:21 Yes. Please, quickly. Page – 7 – of 18 Louis Nappen 22:22 Ha, ha, ha. This is this about. Teddy Nappen 22:25 We’re talking about cigarettes. Evan Nappen 22:27 Okay, that’s right, and bundles of twigs. Louis Nappen 22:32 The situation here that I actually brought to Evan’s attention, because I currently have there was a big fishing game. When I say Fish and Game, you might know it as fish and wildlife or conservation officers. There was a whole slew that we got hit with to represent on, a whole bunch this year is a nice crop. I have three in particular that I’d like to discuss, and I saw the same pattern of GOFU in three different cases. So, three different hunters did these exact same, not the exact same thing, but they screwed up the same way. And I don’t want other hunters doing this. I want them to learn from others mistakes here. So, first off, in Fish and Game, it’s not about the fines. The fines, if you get charged, some people just mail it in. You know, it’s $50 because of some minor offense. They think that’s all. That it’s like an ordinance, but it’s not. These are civil matters that cannot be expunged, and that’s important. Why is that important? Because if you get a second Fish and Game violation conviction within five years, you lose your hunting privileges in New Jersey. This is New Jersey, how New Jersey operates. Not sure about, and I don’t want to talk about other states, because I’m not an attorney in other states, other than Vermont. But they cannot be expunged. And because of that, if you get another one, there is a chance after that, within five years, you can permanently lose your hunting privileges in New Jersey. That is a serious consequence of not doing something that we should all be doing, which I’m going to get to in a second. Evan Nappen 24:18 And there’s even more consequences. Louis Nappen 24:20 Yes. Evan Nappen 24:21 And that has to do with what? Your Second Amendment rights themselves. Why don’t you tell us? Louis Nappen 24:27 Well, I’d like to, if this is what you’re getting at, the Fish and Game violations when you have that, even the accusation to a point, they can be used in permit hearings, if you apply, because those are summary hearings. Evan Nappen 24:43 That’s right! Page – 8 – of 18 Louis Nappen 24:44 And so, they can say you’re not safe with a firearm. We’re not going to let you have a firearm. Evan Nappen 24:49 Exactly! Louis Nappen 24:50 Or if you get a weapon forfeiture, say you get a restraining order. Even if the restraining order is dismissed, they can then raise anything, anything. It’s summary in nature. It’s a kangaroo court. They can say, look at these Fish and Game violations you have. You don’t get firearms because it’s the same qualifications they’re looking at. Evan Nappen 24:52 More than that. We need the listeners to know that Fish and Game charges can lead to criminal charges as well. We’ve seen that happen. Louis Nappen 25:18 Yes! Evan Nappen 25:18 Keep going. I just wanted to have that. Louis Nappen 25:20 So, keep that in mind. Now, if a fish a Conservation Officer walks up to you. I can use these terms interchangeably. It’s how we talk about them. Sometimes derogatively, they’re called Fish Cops. I’ve heard that, too. But nonetheless, if you’re stopped by one of these, you think they’ll either come out of the tree, or what have you, you do have to show your hunting qualifications, that you are hunting properly. That you have the hunting license. So, you hand them that. It’s very much like being stopped in your car, and you need to show license, registration, and insurance. But that’s basically where that should stop, on your end, of cooperation. Similarly, in a car, of course, you know you should, at least in New Jersey with DUIs, you should also do the blow because you don’t want to have an automatic refusal. So, there’s only a few things under the law where you have to really do something, and this is one of those in that sense. Louis Nappen 26:20 But once you hand them your license and they say these look in order, or something like that, you ask, or you want to, you explain you want to go back to hunting. Am I free to leave? Is the term. And this is true out in the street. If you get stopped by a police officer, am I free to leave? Because that kicks in in your head, or it should. They don’t want me to leave. They’re looking for something else. They want more from me. These often. Evan Nappen 26:50 And if you’re not free to leave, you’re in custody. Page – 9 – of 18 Louis Nappen 26:53 You’re in custody at that point because you’re not free to leave. So, the bottom line is that should click in your head. That your Fourth and Fifth and Sixth Amendment rights kick in. Evan Nappen 27:06 That’s right. When you look at the those rights in the Constitution, they don’t say, you know, the right against self-incrimination, unless it’s a fish cop talking to you. No. There is no exemption for that. Louis Nappen 27:22 Exactly. They are law enforcement officers. I have to tell you, Evan, that all three officers in these different cases, there’s more than three because many, some of them had more than one there. They are very friendly. They would be very friendly, you know. But they are not hall monitors and crossing guards. That’s not what they are. They are there to enforce the law, and they will get you to talk by being friendly and chatty. You don’t want to fall for that. If they say you are not free to leave, they’re pushing for more than that. The bottom line is that at some point it’s less of an investigate. It’s not just merely investigatory. It’s actually an interrogation designed to elicit self-incrimination out of you. And that is when your Miranda rights should kick in. When they are questioning you, to get you to admit to anything that could be used against you. Louis Nappen 28:27 Now, let’s think about that in terms of what they are. You’ve heard it on every TV show, but what are your rights? Think about what they’re telling you in your Miranda rights. Now, they’re supposed to do that. But they can get more out of you, because they can claim at some in some aspects, that it’s investigatory and it was just a friendly conversation. Some judges buy that. Remember, this is Municipal Court judges. They don’t do a lot of Fish and Game cases, and they don’t think of it in these terms. They will tell you that you have a right to remain silent. Well, if you’re being told that you have a right to remain silent, remain silent! You have that right regardless of whether they read you these Miranda rights. Teddy Nappen 29:06 Out of curiosity, though, when you’re dealing with a Fish and Game officer, is there any other disclosures that you have to make? Or is it just the same standard, like a normal cop? Louis Nappen 29:18 Okay. The same as are you free to leave. It goes with that. They will ask sometimes to please hand over your firearm so they can safely put it to the side. If they take your firearm, you know you’re not free to leave because they have your firearm. You can’t hunt at that point. Evan Nappen 29:33 Also, keep in mind, if you’re lawfully carrying, you still have the Duty to Disclose. Louis Nappen 29:40 Good point. Page – 10 – of 18 Evan Nappen 29:41 Because you’re being detained. Louis Nappen 29:44 Yeah. Although, in New Jersey, typically. Louis Nappen 29:45 You need to immediately say I am carrying. As soon as you are stopped or detained, you have that obligation to tell the officer if you’re carrying, too. Louis Nappen 30:00 So, think about this, though, the next part of that famous paragraph. Anything you say, can and will be used against you in a court of law. Does it say, anything you say will be exculpatory so we won’t convict you? Evan Nappen 30:16 No. They’re not. Louis Nappen 30:17 They’re not saying that. They’re saying it can and it will. I don’t know of anybody who’s ever talked themselves out of a ticket or out of a citation. At best, it’s neutral. But almost always it’s you’re talking. You don’t even know what you’re saying. You’re saying things that may be used because you don’t know what they’re investigating. And that will be used against you. So, keep that in mind. You don’t want to talk. The next one is you have the right to an attorney. Well, as soon as you. Evan Nappen 30:45 Wait. Let me just. I need to say one other thing on that. You have a right to say nothing except, arguably, pedigree information. You know, who you are. You know, identify yourself. Louis Nappen 30:57 Yeah, you do have to identify yourself. Evan Nappen 30:58 But, short of that, you don’t have to say anything else. You need to keep in mind that police and law enforcement have a license to lie. They’re allowed to lie. You’re not allowed to lie. They are. So, anything they say, you cannot take to the bank because they have a license to lie. And I know of an actual Fish and Game case, not handled by us, where they accused a person of shooting a deer during bow season. Yet, when he checked it in, you know, it had an arrow, but they felt that it was shot. The person who checked it in wasn’t so smart, and the officers went and took a metal detector. They claimed that the metal detector picked up traces of metal, you know, lead or the bullet, even though it would not even have done that, and they convinced the person by gaming them in this way. And that’s perfectly fine. So, you can’t believe it. Page – 11 – of 18 Louis Nappen 32:00 Yeah. You have the right to an attorney. So, one of the things you could say, in addition to, you know, may I leave? Then, of course, what some people do is stick around. No. If they say, you have a right to leave, leave! Go back to doing something. Go to your car. Get the heck out of there. Evan Nappen 32:15 Right! This is like right out of with Clint Eastwood when Tuco, the guy goes in, you know, he starts talking, and Tuco shoots him from the tub. He goes, he goes, if you’re gonna shoot, shoot, don’t talk. Well, the same idea. If you’re gonna leave, leave. Louis Nappen 32:16 Right, right. Like Ron White’s joke. I had the right to remain silent, but I didn’t have the ability. Evan Nappen 32:45 Yeah! Ha, ha. Teddy Nappen 32:48 Uncle Lou, I just had a question regarding the actual bit of when you’re in the court, what is the setting? Is it more like a hearing when you’re dealing with Fish and Game violations? Louis Nappen 32:59 I’m gonna get to that in a little bit. Let me just finish with the Miranda here. So, you have the right to an attorney. So, what you can say is, am I free to leave? If they say, no, you say that I want an attorney. Questioning should stop as soon as you say, I want my attorney. If you can’t afford an attorney, one will be provided to you. That’s a joke, because you’re going to get a public defender who handles, if lucky, one Fish and Game matter a year. They are just going to want to settle something, maybe mitigate down to one or two, you know, whatever it is. You get what you pay for. And if you get a free attorney, you’re getting what you pay for. And then they ask you, do you understand these rights I’ve read to you? With these rights in mind, do you wish to speak to me? So, they’re telling you all of this. And then I’ll tell you, show you one person and one of these three cases, they were read their rights. They make you sign a form that you understand these rights. And then they went and spoke and showed them everything that they did. Why? Teddy Nappen 33:56 Because it’s the training. It comes back to law and order. Anything you show it’s the training of like, Oh, if I’m not a bad person, I’m not gonna lie. Louis Nappen 34:05 No, no. Of course, you’re going to be honest and put yourself honestly into a plea of guilt or finding of guilt. Okay. They don’t show you in the procedurals on TV. Every time they bring the defendant in, he talks. It’s ridiculous, but that’s beside the point. So, or it is the point. They are law enforcement officers, if I’m going to cut to the chase, and you do the minimum amount of interaction with them. If they approach you, then you have to do these things. But bear in mind your rights. Don’t give them away. Page – 12 – of 18 You’re going to do yourself a favor by not giving them away, not speaking, and you’re going to do your attorney a favor by not speaking. You won’t even get charged, most likely, if you don’t speak. Evan Nappen 34:57 Think of all the great men and women who sacrificed for those rights, and you’re just going to waive them? You’re just going to give them up? We have these rights, and we treasure our Second Amendment rights. Treasure all the rights. We have a right against self-incrimination, and you have a right to counsel. You want to take advantage of those rights. Louis Nappen 35:17 That’s right. Now, when you go to court, Teddy was just sort of indicating, I just want you to know one thing. In most municipal courts, you know, it’s the prosecutor who kind of runs the show and who you deal with. But that prosecutor, over the last 20 years that I’ve been an attorney, it’s become more and more and more. What I’m about to tell you. The prosecutor will only, pretty much in New Jersey, I’ve only seen one prosecutor try to stand up to it and got shot down because he had to speak to the upper echelon of Fish and Game personnel. You know, if it’s just a town cop, the prosecutor will sometimes override the town cop and say, look, you really want to push this? They’ll try to convince them to give something different or better and so that they can negotiate. Fish and Game runs the show, even though it’s a front that the prosecutor runs the show. When it comes to what they are allowed to negotiate, they will not. I haven’t seen it at all, much at all. It’s been at least 5 or 10 years since I’ve been able to do, for instance, get an ordinance instead of a fish and game violation. Evan Nappen 36:28 And there’s a reason for that. The money on a Fish and Game violation goes to Fish and Game. So, they’re there with their hand out, and they don’t want that money going anywhere else. They need the records that show convictions to keep notches, to keep promoting their budget and funding. Look what a great job we’re doing enforcing all these minuscule and often contradictory regulations. Louis Nappen 36:59 Yeah, so it’s about the notches on the belt. Teddy Nappen 37:01 For me, personally, I always just from all the stories and horror stories that I was told. I remember, Dad, you’re famous, the famous one. What was it? It’s a moose, get over it. It had to do with the Fish and Game. Evan Nappen 37:13 Yeah. After winning at trial, the Fish and Game officer was crying, literally crying. How do you live with yourself? To me, because I won. Well, I don’t know. How do you live with yourself, enforcing this kind of insanity. Page – 13 – of 18 Teddy Nappen 37:28 It’s the level of the, it’s the guy from The Untouchables. Let’s do some good. It’s that mentality of Fish and Game. It’s still, and there’s such abuse, like, Uncle, have you experienced? What’s your experience? Evan Nappen 37:43 Unfortunately, we see these. Teddy Nappen 37:44 What is your experience, Uncle Lou? Louis Nappen 37:48 First off, I just want to say I don’t even recommend hunting in New Jersey. That’s how bad it is. Because when are you not within 450 feet of a building? I mean, it could be any building. Evan Nappen 38:09 They particularly look for the ones that you can’t see. Louis Nappen 38:13 A word to the wise. I’ve had that case. Evan Nappen 38:15 Walk into that trap. Louis Nappen 38:17 I had a guy who shot for ducks, and there was a bit of a berm, so to say. And he didn’t know that over that berm was a house. He couldn’t see it. There is none. He didn’t. It was not in his line of sight. When he shot, it was fine. It was gonna go in the dirt if he missed the bird. It doesn’t matter. He was within 450 feet, as the crow flies. So, let me just. Now I just want to quickly kind of give with these. Some of these are ongoing cases. Of course, I will not reveal names or anything, but just to show you how this played out in action regarding three individuals within the last year. Louis Nappen 38:55 One person was hunting with his father, and they’re at their truck now. They’re not even still hunting. They were away from their hunting blinds or the places where they were hunting, and a State Police officer comes up and asked, were you hunting recently from this field? Yes, I was. Did you shoot? Yes, I did. That’s like, that’s questionable. Is it investigatory, or they tried to get you to self incriminate on something? It’s hard to tell the difference, isn’t it? And then she calls, I think it was a female officer, Fish and Game. They show up in more than one, and they mirandize these people. At that point, they’re not letting you go. They are telling you your Miranda rights. So, what should you do? You shut up. You don’t tell them anything. Evan Nappen 39:53 No, no no. You shut the f up. Page – 14 – of 18 Louis Nappen 39:53 Yeah, I know. Okay. You don’t. I’m trying it and you’re trying you. Because at that point, they obviously want to get you to admit to doing some things that they already sort of got you to tell a little bit to the first cop. But now these Fish and Game officers, they did what they should. I can’t blame them. They did what they should. Mirandize these people. They didn’t. Listen to everything I just read to you. You have a right to remain silent. They’re signing off on a sheet that states every one of these rights. Evan Nappen 40:20 If you are ever read Miranda, it’s like last gas for 500 miles. Don’t ignore it. Follow what it said. Yeah. Invoke immediately. There is no exception to violating Miranda. That’s it. You’re done. You only talk to your attorney after that, and you do what your attorney says. You make no statements. Louis Nappen 40:52 That’s right. Evan Nappen 40:52 I mean, come on. Louis Nappen 40:53 And if at that point they’re going to send you a citation, they’re going to send it to you because they already have your information from your hunting licenses. So, what happens after that? They proceed to show them where they were hunting, what direction they were pointing when they hunted, all the both, where both blinds were that they were in, what kind of rounds they were using, all the all of this. Teddy Nappen 41:15 This is starting to remind me of Alice’s Restaurant, when the guy litters and they take out all this stuff and equipment. Louis Nappen 41:22 Well, they did measurements and everything else, because you showed them where you stood when you shot. If you don’t show them where you stood when you shot, where you shot, and all that, how they gonna know if they weren’t there? Evan Nappen 41:38 Right! Louis Nappen 41:38 I have nothing to show you. Because, don’t forget, communication is part of that silence. It’s not just talking. If you’re walking them to a place or doing some motion or something, showing them how you held your gun in what direction, up high or low. This is all communication that you don’t have to provide. So there’s that. Page – 15 – of 18 Evan Nappen 41:59 Always abide by the Fifth Amendment. Louis Nappen 42:00 So, there’s one example. He proceeded to show them that. Okay, example number two. These are all actual cases that I’m currently involved in. Number two, a person hunting for deer. He’s up in his stand. It’s not a firearm. It’s crossbow related. Doesn’t matter, I guess. But he comes down, and the officer shows up, He hands him his licensing and everything, all in order, perfectly in order. But that Fish and Game Cop was not there to truly investigate whether or not he’s hunting. But if he could find that he wasn’t, that would be fine. He was there about a totally different kind of situation, about raccoon trapping. He started chatting with the guy. And the person chatted, thinking it’s a friendly conversation, and found out everything about it, about anything about raccoon trapping. Well, you know this and that. There were some traps around there. Have you seen him? And the guy just talked and tried to kind of obfuscate about some things, I think. But nothing. It’s understandable about like that other people are using this property. Teddy Nappen 43:13 I imagine he had like a raccoon skin hat. Evan Nappen 43:18 He didn’t have his 1920s rah, rah, football raccoon coat on either. Louis Nappen 43:28 Yes. So, long story short, they are talking to him for an hour. Evan Nappen 43:35 An hour. Oh, my G-d. Louis Nappen 43:36 And at some point he had to get home, and he said that early on. So, in other words, he was kind of indicating he didn’t want to be sitting there chatting, but he’s being friendly. The bottom line is, he gets charged, and he does, in all everything that’s been said, more or less, it’s a confession, and they used everything against him. Teddy Nappen 43:39 Quick question, do Fish and Game use body cam as well? Louis Nappen 44:00 Yes! Oh yeah. It’s all on body cam. It’s all on body cam almost always. It’s very rare that stop. This is what’s frustrating for me right now. The stop for the first one I mentioned when the State Police, who would normally wear body cam, they’re not yet providing it. I don’t think they have that for that quick, the shorter first interrogation. But all the Fish and Game officers, as they’re getting Mirandized and everything, that is all on video of them continuing and then everywhere he showed them of shooting from where, etc. So, that’s the second one regarding it had nothing to do with him having proper Page – 16 – of 18 licensing, and it was all just a way to get him to self incriminate doing an interrogation. He didn’t realize he was being interrogated. He thought it was a friendly conversation. At what point does your Miranda kick in? Is it just investigatory, or is it that you should have been told up front? Because people forget about that they have these rights not to have to speak. He should have just said, Am I free to leave? Or go back into his hunting stand? Louis Nappen 45:00 Okay, the last one here, but you can see how each person ignored their Miranda rights here, and that’s what got him cited. The last one is. Evan Nappen 45:11 That’s the GOFU! Louis Nappen 45:12 Fish and Game. Evan Nappen 45:12 Pretty simple, yeah. Louis Nappen 45:13 Yeah, right. A Conservation Officer, Fish and Game, comes right near the edge of a field. He comes up in his vehicle and approaches. This is a woman Hunter, which is kind of nice to see that happening more and more. The Conservation Officer immediately starts questioning. Immediately starts questioning. Hi, how are you? Friendly. Were you just shooting? Yes, I was. How were you standing when you shot? What direction did you shoot in? And all this. She proceeds to show him exactly what she did. I don’t know how much more detail I want to get into. Evan Nappen 45:57 No, but because of her statements, she gets charged. Louis Nappen 45:59 All she should have said is, here’s my hunting license. Here’s my license, and just handed it to him. Evan Nappen 46:06 Here’s my license. Louis Nappen 46:08 Like you do when you get pulled over. You just hand them the licenses. Or please take it off my back. Sometimes the hunting license is stuck on. You know, they’re in the plastic thing, whatever it is. Here they are. And if they start questioning you about anything. Evan Nappen 46:10 Just say, look, am I free to go? Page – 17 – of 18 Louis Nappen 46:23 Am I free to leave? I got nothing to talk about. Evan Nappen 46:27 Yeah. Say,well, I’m here to hunt, not to talk. Louis Nappen 46:31 And many of these people had even other excuses that they could have even said to make it seem more friendly. Even I’m leaving now, because my husband’s out there, and he expects me at the car. I’m leaving or anything. You don’t have to have an excuse, but often you have one. I got to go to the bathroom. Teddy Nappen 46:50 The best example to always, and I remember you always brought this up, Dad. Anytime, what was, what did Martha Stewart go to jail for? And I always say was it insider trading? No, it was lying to the police. If she did not talk, she would not have gone to jail. Evan Nappen 47:06 You cannot lie to the police. Right! Teddy Nappen 47:07 If she didn’t say anything, she would have been fine. Evan Nappen 47:10 Yep, yeah. Louis Nappen 47:11 I want to say one thing. This particular officer, in speaking of that, when he approached her after she shot, the very first thing that he said was, I saw you in my rear view, doing what you, shooting. But then he says to her, show me what you did. To get her to admit what he saw, allegedly. Evan Nappen 47:30 If he saw it, why does she need to show him? Louis Nappen 47:32 Exactly. Then you have it. Evan Nappen 47:35 Games, games, games. Teddy Nappen 47:36 I’m gonna say that’s a certain level of entrapment, like you’re telling them to do that. Page – 18 – of 18 Evan Nappen 47:41 Not necessarily entrapment. But that’s legal for cops to interrogate and to make. Maybe he didn’t see a damn thing. He could say anything. Louis Nappen 47:51 That’s right, that’s right. I think it happened on video. Evan Nappen 47:54 When they don’t have it on video, they could say, you know, we just had a witness come out who never did. I mean, it doesn’t matter. Louis Nappen 48:01 I honestly think he heard a shot, looked in his rear view and saw her shooting. But he didn’t see the shot. That’s my thought of, actually, what, what probably occurred. And that’s right. Evan Nappen 48:13 The bottom Line to all this, Lou? Individuals have to stand on their rights. Law enforcement is law enforcement. Fish and Game is law enforcement. Your rights apply there, as well as in a traffic stop and anywhere else. Stand on your rights. Lou, thanks so much for reviewing all that in detail. This is Evan Nappen, Teddy Nappen and Louis Nappen reminding you that gun laws don’t protect honest citizens from criminals. They protect criminals from honest citizens. Speaker 2 48:52 Gun Lawyer is a CounterThink Media production. The music used in this broadcast was managed by Cosmo Music, New York, New York. Reach us by emailing Evan@gun.lawyer. The information and opinions in this broadcast do not constitute legal advice. Consult a licensed attorney in your state. Downloadable PDF TranscriptGun Lawyer S5 E288_Transcript About The HostEvan Nappen, Esq.Known as “America's Gun Lawyer,” Evan Nappen is above all a tireless defender of justice. Author of eight bestselling books and countless articles on firearms, knives, and weapons history and the law, a certified Firearms Instructor, and avid weapons collector and historian with a vast collection that spans almost five decades — it's no wonder he's become the trusted, go-to expert for local, industry and national media outlets. Regularly called on by radio, television and online news media for his commentary and expertise on breaking news Evan has appeared countless shows including Fox News – Judge Jeanine, CNN – Lou Dobbs, Court TV, Real Talk on WOR, It's Your Call with Lyn Doyle, Tom Gresham's Gun Talk, and Cam & Company/NRA News. As a creative arts consultant, he also lends his weapons law and historical expertise to an elite, discerning cadre of movie and television producers and directors, and novelists. He also provides expert testimony and consultations for defense attorneys across America. Email Evan Your Comments and Questions  talkback@gun.lawyer Join Evan's InnerCircleHere's your chance to join an elite group of the Savviest gun and knife owners in America.  Membership is totally FREE and Strictly CONFIDENTIAL.  Just enter your email to start receiving insider news, tips, and other valuable membership benefits.   Email (required) *First Name *Select list(s) to subscribe toInnerCircle Membership Yes, I would like to receive emails from Gun Lawyer Podcast. (You can unsubscribe anytime)Constant Contact Use. Please leave this field blank.var ajaxurl = "https://gun.lawyer/wp-admin/admin-ajax.php";

HOUR 1: Why are geese federally protected? full 2237 Wed, 29 Apr 2026 19:00:00 +0000 DWaWB1aTMyUzcdQWIDWyoHMQxhqUt8dm news The Dana & Parks Podcast news HOUR 1: Why are geese federally protected? You wanted it... Now here it is! Listen to each hour of the Dana & Parks Show whenever and wherever you want! © 2025 Audacy, Inc. News False https://player.amperwavepodcasting.com?feed-link=h

Send us Fan MailThe hosts discuss what they describe as a major bulletin that medical marijuana is now legal nationwide when compliant with state licensing, tying it to a DOJ executive action by Acting Attorney General Todd Blanche and U.S. treaty obligations that would require a government monopoly over medical cannabis. They react to 4/20, YouTube channels being yanked for on-air smoking, and update progress on opening their Pekin, Illinois dispensary while noting Illinois “social equity” status helped with licensing but not loans, creating urgent debt. They outline how rescheduling was split into two lanes, reference OLC reasoning under CSA 811(d), anticipate lawsuits and resumed hearings (June 29), and argue IRC 280E may be retrospectively disallowed around 2023. They also debate hemp loopholes, “full spectrum CBD,” checkpoints/transport issues, employment drug tests, home grow under state law, and emphasize freeing incarcerated people and building coherent cannabis rules.00:00 Medical Legalization Shock00:09 Show Intro and QR00:25 Illinois Dispensary Update01:18 420 and Channel Strikes02:28 Why Nothing Changed Yet03:01 DOJ Executive Action Deep Dive06:51 Treaty Monopoly Explained07:56 Farm Bill Hemp Loopholes09:14 Full Spectrum CBD Debate12:53 No Smoking and Creator Risks14:43 Rescheduling Precedent Talk16:51 Illinois Loan and Lawsuit Math22:17 280E Tax Fallout25:14 Hearing Restart June 2926:19 Checkpoints and Federalism27:20 Rescheduling Reality Check27:36 Interstate Transport Risks29:10 420 Culture and Protest31:42 Medical Model Expansion34:42 Hemp Loopholes and Safety38:47 Workplace and Drug Tests41:18 Policy Memos and Politics43:47 Homegrow and State Compliance50:55 Wrap Up and What's Next52:19 Sponsor Collateral BaseSupport the showGet our newsletter: https://bit.ly/3VEn9vu

If you've ever looked at your bank statement and wondered where all those fees came from or asked yourself if your money could be working a little harder, you're not alone. Today, we're talking about an option that a lot of people overlook: credit unions.  Links: Check out TCU University for financial education tips and resources! Follow us on Facebook, Instagram and Twitter! Learn more about Triangle Credit Union Transcript: Welcome to Money Tip Tuesday from the Making Money Personal podcast.  Credit unions might not have the flashy ads or giant skyscrapers of big banks, but they offer some serious advantages. Let's break down what makes credit unions different and why banking at one could be a smart move for your financial future.  First things first: credit unions are member-owned, not-for-profit financial institutions. That sounds technical, but here's what it means: when you join a credit union, you're not just a customer; you're an owner.  Unlike traditional banks, which exist to generate profits for shareholders, credit unions reinvest their earnings back into the institution. That often shows up in the form of lower fees, better interest rates, and improved services for members rather than profits going to investors.   This member-first structure shapes everything from customer service to lending decisions. Credit unions tend to take a more personal, relationship-based approach instead of treating members like account numbers.  One of the biggest reasons people switch to credit unions is simple, they have better rates. According to data from the National Credit Union Administration, credit unions consistently offer lower interest rates on loans, including auto loans, credit cards, and mortgages, while often paying higher dividends on savings accounts compared to banks.   For example, average interest rates on auto loans and credit cards are often significantly lower at credit unions. Over the life of a loan, that difference can save you hundreds or even thousands of dollars. Higher savings rates help your money grow faster, even if the difference seems small at first.  Where a lot of people feel burned by big banks is with fees. Monthly maintenance fees, overdraft fees, minimum balance requirements, and more, add up quickly. Credit unions generally charge fewer and lower fees because they're not driven by profit goals. Many credit unions offer free checking accounts, lower overdraft penalties, and more flexible balance requirements than traditional banks. That means more of your money stays where it belongs: in your pocket.  Customer service isn't just a buzzword for credit unions. Year after year, credit unions rank at the top for customer satisfaction. The American Customer Satisfaction Index regularly reports that credit unions outperform banks in overall satisfaction, including areas like courtesy of staff, trust, and transparency. That lines up with what many members experience, such as shorter wait times, local decision-making, and a genuine interest in helping members succeed financially.  Credit unions are deeply rooted in the communities they serve. Instead of funneling profits out of town or out of state, they often reinvest locally through small business loans, community programs, and financial education initiatives. By banking at a credit union, you're not just improving your own financial situation, you're helping support your local economy.  One common myth is that credit unions are less safe than banks. That's simply not true. Federally insured credit unions protect member deposits up to $250,000 per account, just like banks do, only through the National Credit Union Administration instead of the FDIC. The bottom line is your money is just as secure.  So, are credit unions perfect for everyone? For people who value better rates, fewer fees, stronger service, and community impact, credit unions are absolutely worth considering. Banking doesn't have to feel impersonal or expensive. Sometimes the best financial choice isn't the biggest name, it's the one that puts people first.  If there are any other tips or topics you'd like us to cover, let us know at tcupodcast@trianglecu.org. Also, remember to like and follow our Making Money Personal Facebook and Instagram to share your thoughts. Finally, remember to look for our sponsor, Triangle Credit Union, on Facebook and LinkedIn.           Thanks for listening to today's Money Tip Tuesday. Check out our other tips and episodes on the Making Money Personal podcast. 

If I train my people they will leave. The answer to this statement was an old Lennox reply that is still true: What happens if you don't train them and they stay? Training is an essential component of our businesses. My guest today, Gregg Holladay from Bradford White, is passionate about heat pump water heaters. Bradford White, the only US manufactured heat pump water heater, is helping you prepare for the installation of Federally mandated heat pump water heaters in 2029. Greg discusses how to do this. Free P&L Statement and Balance Sheet https://tinyurl.com/2rjd6wxu Ruth King Facebook - https://www.facebook.com/ruthking1650 LinkedIn - https://www.linkedin.com/in/ruthking1/   Podcast Produced by Nick Uttam https://www.linkedin.com/in/nick-uttam-4b33a1147

Elections BC slaps BC United with a fine for election disinformation over the ‘Fire John Rustad’ campaign from August 2024. The BC Conservatives slap Peter Milobar with a fine for a late deposit. And the NDP kills George Anderson’s private members bill but does take some steps toward allowing more housing. Federally, Marilyn Gladu embraces the red and the finance minister continues Canada’s oldest tradition. Links Elections BC Letter to BC United BC United was secretly behind website calling for Rustad to be fired: Elections BC Rustad says ‘dirty trick’ by B.C. United may have cost Conservatives election victory | CBC News B.C. Conservative leadership candidate fined for day-late payment of $40K fee Peter Milobar response to fine Elections BC Annual reports Minister's statement on private member's bill M216 B.C. orders West Vancouver to build more homes Premier hints at approval of Kelowna’s bid for early opt-out of short-term rental restrictions – Castanet.net Former Conservative MP Marilyn Gladu crosses floor to Liberals | CBC News Carney says Liberal values are unchanged after socially conservative MP Marilyn Gladu joins party – The Globe and Mail Marilyn Gladu says she’s pro-choice, anti conversion therapy as Liberals embrace former Conservative | CBC News Floor-crossers support core Liberal values, Carney says | CBC News ‘Throw them out’ of Parliament: Poilievre in favour of recall petition for floor-crossers | CBC News Up to 40 Conservative MPs fear Pierre Poilievre will cost them their seats, insiders say + rumours of 10 more crossers  Pierre Poilievre's communications director Katy Merrifield resigns How rare is it for a prime minister to attract 5 floor-crossers in 5 months? | CBC News ‘No risk' of potential conflict with Champagne's partner working for Alto: ethics commissioner

Would a federally run grocery store actually work? Guest: Sylvain Charlebois - Director of the Agri-Food Analytics Lab at Dalhousie University, co-host of The Food Professor Podcast Learn more about your ad choices. Visit megaphone.fm/adchoices

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

Bill and Andy Bush dive into the retirement plan rules that trip up participants most often—from the Rule of 55 and IRS 72(T) distributions to SIMPLE IRA rollover restrictions, in-service distribution provisions, and the nuances of RMDs under SECURE 2.0. The brothers break down each rule with real-world examples pulled from recent client calls, covering when you can access your 401(k) penalty-free, why rolling into an IRA can cost you flexibility, how beneficiary rules changed under the 10-year distribution window, and what early withdrawal exceptions (including QDROs and disaster provisions) actually look like in practice. Whether you're planning ahead or reacting to a life event, this episode is a practical field guide to the rules that govern your retirement dollars. ⏱ Episode Timeline & Key Topics 00:00 – Welcome & Episode Setup Bill opens with a Spicoli quote from Fast Times at Ridgemont High and sets up the theme: retirement plan rules you may or may not have known about. 00:53 – The Rule of 55 If you leave your employer at age 55 or older, you can take distributions from that employer's 401(k) without the 10% early withdrawal penalty: ·         Must be the plan at the employer you separated from ·         Taxable, but no penalty ·         Rolling into an IRA eliminates the Rule of 55 protection 02:12 – IRS Rule 72(T): Substantially Equal Periodic Payments Starting at age 55, you can take early distributions from IRAs or 401(k)s using the 72(T) rule: ·         Payments must be substantially equal ·         Must continue for five years or until age 59½, whichever is longer ·         Andy shares a real client example of someone who used 72(T) after early job loss 03:30 – SIMPLE IRA Two-Year Rule SIMPLE IRAs carry a unique two-year restriction from the date of your first contribution: ·         Distributions or rollovers within two years trigger a 25% penalty (not the usual 10%) ·         Rolling funds into a SIMPLE IRA from a 401(k) or other source also requires the two-year window to pass ·         SECURE Act expanded allowable rollover sources, but the timing restriction remains 05:31 – Roth Five-Year Rules Roth IRA contributions can be withdrawn at any time tax- and penalty-free, but earnings have their own rules: ·         Earnings require the account to be open for five years and you must be 59½ or older ·         The five-year clock starts with your first Roth IRA deposit 06:43 – In-Service Distributions from 401(k) Plans You can take distributions while still employed, but the rules are plan-specific: ·         IRS default age is 59½, but your plan document can set a different age (examples: age 40, age 55) ·         Common reason: rolling funds to an IRA for income planning options not available inside the 401(k) ·         Building a retirement "income floor" can increase confidence and even lead to more spending in retirement 09:57 – In-Service Strategy: Roth IRA Consolidation Participants who already have a Roth IRA on the outside can roll Roth 401(k) funds into it via in-service distribution, consolidating accounts and keeping the five-year clock running. 10:20 – Required Minimum Distributions (RMDs) RMD ages under SECURE 2.0: ·         Born before 1960: RMD begins at 73 ·         Born after 1960: RMD begins at 75 ·         Still working and contributing? No RMD from your current plan (unless 5%+ owner) ·         Old 401(k)s from prior employers still require RMDs ·         IRA RMDs can be aggregated—take from one account to satisfy the total ·         401(k) RMDs must be taken individually from each plan ·         The "Andy Bush Hack": roll old accounts into your active plan to defer RMDs 14:07 – Beneficiary / Inherited Account Rules Non-spousal inherited accounts changed significantly under SECURE 2.0: ·         Old rule: stretch over beneficiary's lifetime or take within 5 years ·         New rule: all funds must be distributed within 10 years ·         If deceased was already taking RMDs, beneficiary must continue annual distributions ·         Strategy: increase your own 401(k) contributions and offset with inherited account distributions 16:35 – Early Withdrawal Exceptions Several exceptions allow penalty-free early access to retirement funds: ·         Medical expenses exceeding a threshold ·         Disability ·         QDROs (Qualified Domestic Relations Orders) for divorce ·         Federally declared disaster provisions ·         Hardship withdrawals (still subject to 10% penalty if under 59½) 18:15 – Check Your Summary Plan Description (SPD) Every provision discussed is plan-specific: ·         Ask your HR or plan sponsor for the SPD ·         Documents are being updated as SECURE 2.0 provisions phase in ·         Your SPD is the definitive source for what your plan allows ✅ Key Rules Quick Reference ·         Rule of 55 – Penalty-free 401(k) distributions if you leave your employer at 55+; lost if rolled to an IRA ·         72(T) – Substantially equal periodic payments from IRAs/401(k)s starting at 55; must last 5 years or until 59½ ·         SIMPLE IRA Two-Year Rule – 25% penalty on distributions or rollovers within two years of first contribution ·         Roth Five-Year Rule – Contributions out anytime; earnings require 5 years + age 59½ ·         In-Service Distributions – Available while still working; age set by plan document (default 59½) ·         RMDs – Age 73 (born before 1960) or 75 (born after 1960); still-working exception for current plan only ·         10-Year Inherited Account Rule – Non-spousal beneficiaries must empty inherited accounts within 10 years ·         QDROs – Court-ordered retirement account splits in divorce; rollover is tax- and penalty-free ·         Disaster Provisions – SECURE Act allows automatic early access in federally declared disaster areas 19:49 – Closing & How to Reach the Brothers Bill and Andy wrap up with a reminder that every situation is nuanced—reach out with questions. ·         Bill Bush: bbush@horizonfg.com ·         Andy Bush: abush@horizonfg.com

Hour 2 of the Chris Hand Show | Tuesday 03-10-26See omnystudio.com/listener for privacy information.

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I'd like to begin by thanking Andrea Marcus, a dear friend and long-time supporter of State of Tel Aviv and Beyond, for sponsoring this episode. Andrea is a Toronto resident, proud Jewish woman and spectacularly talented artist. She is deeply troubled by what has been happening in Toronto and Canada since October 7, 2023.This episode was to have been published on Sunday December 14, 2025. And then the Bondi Beach Chanukah massacre happened. Hours later, a Chanukah candle lighting began in Toronto, Canada. What ensued was appalling. As Toronto police watched.....Part I of this mini-series dropped in early December and focused on the violent attack on an IDF reserve soldier on November 5 in downtown Toronto. Jonathan Karten. Nothing about that attack was surprising. Since October 7, Toronto has become one of the most hostile cities in the western world for Jewish life. All things Jewish are targeted regularly. And the response of the police? Well, that's what we take a hard look at in today's podcast. Why is Toronto such a cesspit of antisemitic violence? Incitement. Hatred. Why is it tolerated? I have lived and studied this disturbing situation since October 7, carefully, and the reality of Toronto - Canada - and beyond - must be seen. And seen clearly. I have sifted through many hours of video, photographs and media coverage in order to document the broad and specific observations made. Toronto Chief of Police Myron Demkiw declined an opportunity to be interviewed to discuss these rather pressing issues.And the political leadership in Canada? With very few exceptions, they are complicit. Municipally. Provincially. Federally.This episode has shifted shape since December 14. We do address aspects of the Karten assault on November 5, in particular the arrest of six individuals connected with that incident. But we spend more time zooming out to look at the bigger picture, to try to understand why Toronto has become such fertile ground for Jew hatred. Many of the incidents we discuss took place after the assault on Jonathan Karten on November 5. And after Bondi. In the podcast notes we include links to Episode I of this series, as well as two-part series on antisemitism in Toronto that I put out a year ago. Extreme antisemitism in Toronto? It's neither new nor going to miraculously resolve. In th podcast notes, we set out other podcasts we have produced that are directly relevant to the issues raised in this episode, including Part 1 of this 2-part series.Certain archive material may be available to premium subcribers only. No time like the present to join the State of Tel Aviv and Beyond club!If you would like to inquire about sponsorship opportunities, please contact me directly. vivian@stateoftelaviv.comShow your support for STLV at buymeacoffee.com/stateoftelavivPodcast NotesState of Tel Aviv is a reader-supported publication. To receive new posts and support my work, consider becoming a free or paid subscrib This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit www.stateoftelaviv.com/subscribe

Cannabis laws are constantly changing in the State of New Mexico. Indy White joins Bob Clark to discuss the changes and how New Mexico Cannabis entrepreneurs keep up with laws both locally and Federally. See omnystudio.com/listener for privacy information.

SHIFT Capital, Aedera Companies and Lafayette Square are teaming up to bet on some of the most overlooked corners of the US housing market: Federally subsidized housing in mid-sized cities and rural communities on the east coast, and in the rust belt and midwest.SHIFT's Brian Murray and Aedera's Alison Carey join David Bank to discuss their new fund's strategy of preserving, and improving, affordable housing in underserved markets.

A federally funded housing project is moving forward, prompting questions about long-term affordability and fiscal oversight.   Read the full article here: https://www.coastalfront.ca/read/federally-funded-housing-project-advances-amid-growing-construction-costs   PODCAST INFO:

David Sergi and Jay Maguire join the podcast this week after the recent hearing from DSHS public comment period began last week.Also just the day before this recording the Texas Supreme court Justices hear oral arguments from DSHS and Plaintiff SKYE Marketing case or Hometown Hero's case to consume federally legal hemp products. A case that was filed 5 years ago by Maguire and Sergi for Hometown and Skye.Having this Dynamic Duo on the podcast this week is huge insight on where we are and how things play out.Amidst all this the Federally side is looking at a DEA possible rescheduling of Marijuana while; Now, Sens. Amy Klobuchar (D-MN), Rand Paul (R-KY) and Jeff Merkley (D-OR) have filed new legislation that would push that timeline back by another two years, giving hemp interests additional time to make their case that the policy would significantly harm the industry that was legalized during Trump's first term under the 2018 Farm Bill.  

After a 137-year struggle, North Carolina's Lumbee Tribe has received full federal recognition. It fulfills one of President Donald Trump's campaign promises and opens new opportunities for the tribe. The Lumbee are now eligible to receive federal funding from the Bureau of Indian Affairs, which could support education, health care and housing. We look at why the process took so long and what comes next.

David Troutt: Nisqually Natural Resources Director on the amazing MILLION chums returning to Puget Sound and chinook recovery update // American Sportsfishing Association's Larry C Phillips Pinniped predation and a Federal solution to a Federally-caused problem: The Marine Mammal Protection Act vs The Endangered Species Act // Austin Moser of austinsnorthwestadventures.com Rufus Wood Triploid time!

For almost 20 months, investigative journalists ⁠Mandy Matney⁠, ⁠Liz Farrell⁠ and ⁠Beth Braden⁠ have covered the Mica Francis case. They've filed dozens of Freedom of Information Act requests, listened to hours of recordings, gone through stacks of police reports, court documents, transcripts and text messages to piece together what the final months, weeks and days of Mica's life looked like as she tried to extricate herself from her husband, “Pastor” John Paul Miller.  On April 27, 2024 — the day Mica killed herself in a remote part of a North Carolina swamp — JP was the leader of Solid Rock Ministries in Myrtle Beach, South Carolina, where he had built, destroyed and rebuilt his megachurch all while, according to records and accusations made by family, friends and former church members, using his position of power and his so-called connection to God to bully, harass and torment his young wife, Mica — all the while denying wrongdoing and escaping accountability.  On Dec. 18, 2025, the United States Government announced that JP Miller (finally) was going to be held accountable for his alleged actions against Mica, who investigators say killed herself as a result of JP's threats and abuse.  He has been charged with one count of cyberstalking for his alleged actions between Nov. 16, 2022 and the day of Mica's death and one count of lying to federal investigators. Today we're enjoying vindication and a day of celebration that Mandy and Liz hope will have more people talking about the effects of coercive control abuse.  So much to cover, so let's dive in!

The President has issued an executive order placing a moratorium on state AI regulations, but the states that might be hurt most by such a moratorium are the states that can't afford not to play ball.We also discuss AI-generated police suspect sketches, Meta's official stance on reading DMs as it starts targeting ads based on AI chats, and more.Hosts:Robb Dunewood – @RobbDunewoodStephanie Humphrey – @TechLifeStephTerrance Gaines – @BrothaTechLinks:Will AI-generated police sketches lead to more accurate policing? — Read MoreNo, Meta Won't Read Your IG or Facebook DMs. — Read MoreTrump threatens funding for states over AI regulations — Read MoreSupport The Tech Jawn by becoming a Patron – https://thetechjawn.com/patreon Hosted on Acast. See acast.com/privacy for more information.

Who’s in/who’s out in the BC Conservative race. Eby promises to amend DRIPA as Conservatives call for a repeal. Federally, another MP crosses from the Liberals to the Conservatives, making Elizabeth May the kingmaker (for now). Yves Engler is rejected from the NDP leadership, Carney pitches ‘constitutional’ mandatory minimums as he snuck superpowered ministers into his budget bill. Links Rookie MP Aaron Gunn considers bid to lead BC Conservatives – The Globe and Mail Kerry-Lynne Findlay Christy Clark cryptic posts Former B.C. premier says Conservatives cannot be ‘kooky’ if they want to govern – Victoria Times Colonist   Sturko hasn't ruled out B.C. Conservative return, bid for party leadership | Goldstream News Gazette Eby says DRIPA law could be amended after First Nations win appeal in mining case – Victoria Times Colonist B.C.’s Indigenous rights law is legally enforceable, rules court Eby accuses courts of jeopardizing B.C. economy, resource projects – The Globe and Mail Ontario MP Michael Ma crosses floor to Liberals, putting party one seat short of majority – The Globe and Mail NDP rejects Yves Engler as leadership candidate – The Globe and Mail Full correspondence via Yves EnglerCanada overhauls Criminal Code to protect victims and keep kids safe from predators What is in Bill C-16, Ottawa's legislation that seeks to toughen gender-based violence laws? – The Globe and Mail Opinion | Mark Carney is quietly giving sweeping new powers to his ministers Canada Post commits to free postage for people who are blind as legislation changes  

Brian Clive of fishqcl.com Tired of winter already? Let’s talk Haida Gwaii in the springtime!!! // Don't miss Three Rivers Marine's Northwest Outdoor Report! // Duckworth Wheelhouse: American Sportsfishing Association's Larry C Phillips Pinniped predation and a Federal solution to a Federally-caused problem: The Marine Mammal Protection Act vs The Endangered Species Act // The Outdoor Line's Really? Where? The hottest report we've heard all week and the techniques YOU need to Succeed!

Avoiding simple mistakes with the IC-DISC can mean the difference between maximizing tax benefits and leaving money on the table. In this episode of The IC-DISC Show, I sit down with Brian Schwam, National Managing Director of International Tax Services at WTP Advisors, to talk about the most common IC-DISC misconceptions that trip up practitioners and the underutilized opportunities many businesses are missing. Brian walks through the critical timing rules that confuse even experienced CPAs, including the 60-day and 90-day payment requirements that many practitioners misapply. He explains how the reasonable estimate safe harbor actually works and why paying the minimum amount can accidentally cap your commission at twice that figure. We cover the ordering rules for distributions, the often-misunderstood $10 million threshold, and why the transactional calculation method isn't nearly as impossible as people think. Brian also clarifies that IC-DISC dividends are subject to the net investment income tax, despite what some practitioners might believe. The conversation shifts to creative structures most companies never consider. Brian explains how multiple DISCs can fund executive bonuses at qualified dividend rates instead of ordinary income rates, saving both employment taxes and up to 17% in federal tax for recipients. He describes evergreen dividend resolutions that eliminate the stress of year-end cash movements and shared-DISC structures that make the strategy economical for smaller exporters with under $3 million in sales. These approaches work for both flow-through entities and C corporations looking to avoid double taxation. After more than three decades in international tax, Brian brings clarity to a strategy that looks deceptively simple on paper but contains hidden complexity at every turn. This episode delivers practical guidance you can use immediately, whether you're a practitioner helping clients or a business owner evaluating your own structure.   SHOW HIGHLIGHTS Paying the minimum 50% under the 60-day rule accidentally caps your total IC-DISC commission at twice that amount, limiting flexibility. Companies with export sales over $10 million can still use an IC-DISC—the cap only limits income deferral, not eligibility. Multiple DISCs can fund executive bonuses at qualified dividend rates, saving up to 17% in federal tax versus ordinary income. The transactional calculation method isn't impossible—most companies in 2025 can pull the data needed to maximize their IC-DISC benefit. Evergreen dividend resolutions eliminate 60-day and 90-day payment stress by automatically distributing commission rights on December 31st each year. Shared DISC structures let exporters with under $3 million in sales split compliance costs while each partner keeps their full tax benefit.   Contact Details LinkedIn - Brian Schwam (https://www.linkedin.com/in/brian-schwam-b6026a3/) LINKSShow Notes Be a Guest About IC-DISC Alliance Brian SchwamAbout Brian TRANSCRIPT (AI transcript provided as supporting material and may contain errors) Dave: Hi Brian Welcome to the podcast. Brian: Hi Dave. Thanks for having me. Excited to be here. Dave: Yeah, my pleasure. So quick intro, Brian is, what's your title with WTP? Brian: National Director of National Managing Director of International Tax Services, which encompasses export incentives as well as more general international tax consulting. Okay, Dave: And that's at WTP advisors? Brian: Correct. Dave: And you and WTP advisors are founding members of the IC-DISC Alliance along with my firm and myself. Brian: That is correct. Dave: And so are you brand new to this international tax business? Did you pick it up last year or something? Brian: That's funny. I don't think I look like I picked it up last year. I've been been full-time international tax since 1992IC, and prior to that I spent a few years as a generalist, which I think makes me a better international tax person, but it's been a few years, been around the block a few times. Dave: Well, I think it makes you better. I always introduce you as the IC-DISC guru. Now that Neil Block has retired, I think you can now take over the mantle of godfather of the IC-DISC, Brian: Right? Or the step godfather. I don't know if anyone can ever replace Neil. He had a lot of knowledge, has a lot of knowledge in this area and a lot of experience, and I'm just kind of flattered to be compared to him. Dave: Well, Neil was, I think my inaugural or second guest, and I think he's only been on the podcast once. So I think you're trumping Neil with this either your second or third visit. Brian: I think it's the third visit. And Neil's retired and joined the Good Life and I'm not, so that's probably why I've beaten them as far as number of appearances. Dave: There you go. Well, today I want to talk about IC-DISC. I want to talk about misconceptions and maybe underutilized opportunities. So the IC-DISC is straightforward as can be cut and dried. Anybody can prepare the return, anybody can do the calculation. Easy peasy. There's nothing to your toe on. Is that accurate? Brian: That's far from accurate. Okay. Strength. Yeah. A lot of practitioners think that is the case, but I've seen more than a handful of IC-DISC returns and IC-DISC calculations done by generalists that definitely have a flare for not knowing what they're doing or not understanding the rules. And for a six page tax return that looks very straightforward. You'd be surprised how many of them are completely incorrect. Dave: Yeah, it's kind of deceiving, right? Because even the instructions for the return are only a handful of pages, right? Like six or eight pages. Brian: And then there's a couple of lists of codes and things that make 'em a little longer. But yeah, there's not much to it. But I mean, initially there are some statutory and regulatory things that have to be done, have to be done the correct way, and the rules are very draconian. If you don't do it the correct way, there's really no way to remedy the fact that you set up, you just deal with the consequences of having a disqualified IC-DISC, which means you've lost your IC-DISC benefits prospectively and you set up a new one or you forego the benefits No in between, really? Dave: Yeah. Brian: So some of these misconceptions that I've run into could lead to a IC-DISC being disqualified. Dave: So what's the first one that comes to mind? Brian: The first one that comes to mind really for me in practice is how does the 60 day rule and the 90 day rule work, this has to do with when do I have to move money to the IC-DISC? And some people don't understand it and they do things that make it not a problem. Other people do things, they don't understand it and it becomes a problem. So the 60 day rule basically says you must fund a reasonable estimate of the IC-DISC commission to the IC-DISC within 60 days after the end of the IC-DISCs year. It sounds very straightforward, but some people ignore that rule and some think they have to pay it all before the end of the year, but they don't have a 60 day window after the end of the year to accrue that IC-DISC commission and pay a portion of it. The other thing I see people do with the 60 day rules, they don't have all the information. They estimate a number. They say, oh, let's say the commission's going to be a thousand dollars and they pay $500 to the IC-DISC by the end of the 60th day. Well, what have they just done? Well, the 60 day rule says, yeah, you have to pay a reasonable estimate in the regulation. There's a safe harbor that says a reasonable estimate is at least 50% of the final IC-DISC commission. So by moving the least amount of money possible, they then limit their potential IC-DISC commission to two times that number. So rather than saying, oh, I think my IC-DISC commission's going to be a thousand and I'll pay 800 so that I have flexibility to go up to 1,600, they pay 500 and it can never be more than a thousand because there's a lot of information that's going to come out after the end of the year that's going to affect taxable income. And they generally don't know those things within the first 60 days after year. Dave: And what about for, I think this is for accrual basis taxpayers or accrual basis related suppliers. What about if it's a cash basis related supplier? Brian: Well, if it's a cash basis related supplier, now we're outside the DIS rules, but we're in the tax accounting. And in order to get a deduction, the payment does need to be made before the end of the year. If the payment is made after the end of the year, within that 60 day window, you've now pushed the deduction to the subsequent year, which really most people wouldn't be happy with. They want the production in the year that the exports arise, not in the subsequent year. So the other rule having to do with the moving of the cash is the 90 day rule, which says that you have to pay the IC-DISC any remaining commission within 90 days after the commission has been finalized. Well, finalized really means when did I file my IC-DISC return? And so it's an original return. It can be filed as late as eight and a half months after the end of the year. So you really have 11 and a half months from the end of the year to pay the remaining amount. So if we assume calendar year, that's a September 15th filing and a December 15th funding deadline for the remaining commission. I see a lot of practitioners out there that think the 90 days ends on the filing of the IC-DISC return, not starts on the filing of the IC-DISC return. So then they rush to pay that money and then they think they have a problem if they haven't paid it by the time they file. So I mean, there's no harm in paying it early, but that's not how the rule works. And then if someone's determining and amending a IC-DISC return and they owe more funds to the IC-DISC, they have 90 days. So when they file that IC-DISC return, amended IC-DISC return to make that extra payment to the, now, the other misconception is, well, what happens if my 60 day payment was greater than the final commission? I overestimated. So then the 90 day rule says if the IC-DISC received too much under the 60 day rule, it has 90 days that same 90 day window to pay back the overage back to the related supporter. So most people don't understand those rules and they do things that either potentially cause a problem or they create a lot of self-induced anxiety. They think they have to do something sooner than they have to do it. Dave: And speaking of the due date, if somebody wants to file their IC-DISC return in September, do they have to file an extension like to do their corporate return by March 15th? Brian: Nope. That is no, eight and a half months is the due date. There's no extension for a IC-DISC return. That is just the due date. Dave: And then what about if somebody wants to electronically file the IC-DISC return? How does that work? It doesn't. Okay. Brian: And why is that? Dave: Can't you electronically file Brian: Everything? Unfortunately not the IC-DISC, the 1120 IC IC-DISC is still a return that requires a paper filing. And sometimes clients don't realize that and they forget to file. And the good news is there's only a hundred dollars penalty for a late filing. But the bad news is if you keep continually don't file the IRS could. They could terminate your IC-DISC election. But yeah, there's no electronic filing. And then there's, there's another form. You also can't electronically file that relates to the IC-DISC, that it's the form 84 0 4, which relates to an interest charge that a taxpayer who owns a IC-DISC may have to pay if income is deferred to the IC-DISC and not distributed out as a qualified dividend to that shareholder. There's a lot of misconception around that form. And the first misconception is sometimes they think the IC-DISC needs to file that form and pay the interest. That is not true. That is not true. And so many times I'm asked to file that and I'm like, I can't file it. I can't prepare it. I don't know the information that goes on. And it's based on the shareholder or the disk. And if the shareholder is S corporation or a partnership, it's not based on that entity, it's based on its shareholders or partners. And there could be multiple 84 oh fours filed. And then oftentimes there's a surprise like, oh, I have to pay interest. I didn't know I had to pay interest. Well, it is called an IC IC-DISC, and the IC stands for interest charge. So that should not come as a surprise, but it often does. Dave: Okay. Wow, Brian: Go ahead. Yeah, so we're still on moving cash around. So there's also timing of when the shareholder of a picks up dividend income. So a lot of people think that if they pay the IC-DISC within that 60 day window after the end of the year and pay the dividend in the same 60 day window, somehow the dividend is recorded as though it happened on December 31st, and there's no deferral of the income in the IC-DISC. That's just flat out wrong. A dividend is taxable when it's declared, and most likely it's not going to be declared as of the end of the year. Dave: So that's like a miss application of the age old matching principle in accounting? Brian: Yes. Yes, definitely. Or a misapplication of someone thinking they have a evergreen dividend resolution, which I won't get into at the moment, but it's something that is used to accelerate dividends so that they do match the deduction of a IC-DISC. And you can't just match it because you have to match it because there's some reason to match it or there's action that's taken that would cause it to be matched. Dave: And I've heard some professionals maintain that because they're basically accelerating the dividend income to the current year, thereby bypassing the inherent deferral. That's okay, because why did the IRS care if they got paid a year early? Do you think that's, what's your opinion of that? Brian: I think that's a nice practical approach to that issue. I use it myself. I don't think that the IRS would audit a taxpayer and say, oh, by the way, you picked up that dividend too early. I'm going to write you a refund check. Dave: Yeah. Brian: Plus interest, I don't think, Dave: Now what if there was an audit though, and you had an issue where the audit period it covered had a mismatch so that if there was a year that you say it was the 2022 tax year and the dividend income should have been recognized in 2023, but they recognized it in 2022, and then let's just say they did an audit from of 2023 in isolation, and then let's say in 2023, the client didn't use the IC-DISC or had a much smaller commission amount, could the IRS potentially say, we don't care about 2022. In 2023, you should have recognized the dividend income. Brian: They they certainly could. And then they'd say, well, 2022 is closed. We can't adjust that. So it's always better to not fall into that fact pattern, but it happens. Definitely happens. Dave: So it Brian: Sounds like the good news is there's not a lot of IC-DISC audits that go, Dave: Yeah. So you're saying it sounds like when in doubt, just follow the rules, it sounds like. Brian: Yeah. Dave: When Brian: In doubt follow the rules, don't make up your own rules, for Dave: Sure. Yeah. Well, and I think part of the problem is people may not be aware of the rules. Brian: They're not, and then they just fill in the blank. Their brain fills in the blank with what they think makes sense. Dave: Yeah, because a lot of be a lot of differences between the IC-DISC and say an S corp, right? Like the election to be treated as an S corp does not have the same deadline urgency as the election be treated as a IC-DISC. Is that correct? Brian: I'm not a hundred percent sure, but there might, yeah, I am a hundred percent sure. Because if you miss the deadline for the S selection, there's automatic relief available for the S selection to be made late. There is no automatic relief available for a IC-DISC election. Either you've met the requirement to file it within the first 60 days of the corporation its existence, or you haven't. Now, there are exceptions, and we have written some private letter ruling requests in the past to get be granted relief for missing that 90 day window, but that's an extensive Dave: Miss. Yeah, understood. And then some other, Brian: And you may not know for two years whether you're going to get the relief or Dave: Yeah, I know I've had CPAs tell me that they frequently will just include the form 25 53 S corp election with the filing of the initial S corp return. Brian: That's allowed. And that's allowed, Dave: Yeah. Obviously you can't do that with the IC-DISC return. Brian: No, no. So then on the topic dividends, there's also some misunderstanding or misconception of whether a dividend from a IC-DISC is subject to the net investment income tax, the 3.8%. Dave: Oh, yes. I've heard people take that position that it's not subject to. What are your thoughts? Brian: Well, my thoughts are that many years ago, like 11 years ago, the IRS came out and said, it's definitely subject to the commission IC-DISC paying a dividend. That dividend is definitely subject to the net investment income tax. So I personally don't get involved in individual returns, so I don't know what people are doing, but if I'm ever asked, that's what I'll tell somebody. And I say, you can take whatever position you're comfortable taking, but this is the position I know the IRS would take. Dave: Okay, that makes sense. What other pitfalls do you see or misconceptions Brian: People have? So when I see IC-DISC, there's a $10 million, let's call the $10 million deferral cap with regard to a IC-DISC. And what that means is any IC-DISC commission related to export sales made by the related supplier, which are greater than 10 million above that $10 million threshold, create what's called a deemed dividend. You're not allowed to defer any of that income in the IC-DISC. Well, in practice or in the real world, people think, oh, I can't have more than 10 million of export sales. If I go over 10 million, I can't use the disk. That's clearly not true. I have clients that have seen clients that have billions of dollars of export sales. They just have a very large deep dividend that goes along with the IC IC-DISC commission. There is no limitation on the amount of export sales, the limitations on how much of the income you can defer the IC-DISC if you have more than 10 million of export suit. Dave: Okay. Brian: I've also seen related to that issues where someone's exporting military property. So military property, half of the income is a deemed dividend automatic under the rules. And then I've seen where they then add, and let's say the sales were over 10 million, they've added, they made an additive, they took half of the commission on the military property, and they said, oh, my sales are more than 10 million. I have additional deemed dividend as well. That's not how it works. The way it works is you compute your deemed dividend on the sales in excess of 10 million, and then from that you subtract the deemed dividend related to the military property. And so the most your deemed dividend can be is related to that $10 million cap. Dave: Okay. Yeah, I was less familiar with the military aspect of it. I don't think any of my clients are exporting military property. Brian: That's just an example. I mean, there's other things that give rise to deemed dividends as well. For example, one way you can defer income in a IC-DISC is to loan the money back to the related supplier. Under a producer loan arrangement, there's very specific facts that support the ability to use a producer loan. But then each year, the interest that's earned on that producer loan is a deemed dividend. Dave: Oh, sure. Brian: Whether it's paid or not. So whether the interest is paid, and then when the dividend is actually paid, it's not taxable because we've got a lot of ordering rules in the IC-DISC about when things get paid out and how they get paid out, and I don't have all day, but that's another area where I think there's a lot of misunderstanding. Dave: Okay. Brian: Oh, well, so I can focus on one small part of that is the IC-DISC in year one has the income of a hundred. In first quarter of year two, they pay out the 100 to the IC-DISC and the DIS pays the dividend. And in year two, it earns $300, and that gets paid in year three. Well, I hear all the time, well, I don't have any income deferred to the DIS because I earned the a hundred dollars in year one, I paid it in year two, and I paid the dividend in year two, and then I had income for year two of $300 that I paid in year three. Well, it doesn't work that way. In the DIS world or in the tax world in general, current earnings are always considered to be distributed first. So that a hundred dollars that gets paid out in year two is really coming from the year two earnings. And the year one earnings are still sitting in the deferred, thus giving rise to the interest charge that someone thinks they're avoiding. Dave: Okay. Brian: So there's some misconception about how that works. Dave: So I have one I just thought of, and I've heard this is the one, the misconception I've probably heard the most. Under no circumstances can the IC-DISC commission create a loss at the related supplier level? No matter how you do the calculation, it's Brian: Impossible. That's a big misconception. Dave: Yeah, Brian: There's no rule. There is no rule like that. Okay. So the rule is actually applied at the level in which you're computing the IC-DISC commission. So if you have exports with a profit, but overall your company has a loss, you can still compute a IC-DISC commission on those export sales because they have profit. Now, you can't cause the profit on the export sales themselves to become a loss. So let's say your export sales are making 2% bottom line, but overall, your company loses 3% bottom line. Some people will think, I can't get a IC-DISC commission. I have a loss. That's not true. You can claim a IC-DISC commission, but it cannot be more than 2% of the export profit because then makes the profit on the export zero, but it can't go below zero. Dave: And that's if you're using what we would call the standard or simple calculation. Brian: That's the simple calculation. Now, if you're doing something more detailed and you're calculating a IC-DISC commission on a product or product line or a transaction, you apply that no loss rule at that level. So you can have a number of transactions that are profitable, you can have a number of transactions that are not profitable, and then different rules apply. There's really people think, oh, there's two methods to compute a IC-DISC commission. That's probably another big misconception. There's really 18 methods to compute a IC-DISC commission, and you can choose one that allows you to get a commission but doesn't create a loss, and in some cases does actually allow you to create a loss. Dave: And is that methodology difference? I can't think of the technical accounting term, like where if you change your inventory method, you have to notify the IRS or you make an accounting change. This isn't like that, right? You don't have to each year notify the IRS. We used the 4% method last year, we're using the 50% this year, or we're doing other methodology. Correct. Brian: So you technically notify them by checking various boxes on the IC-DISC return, but it's not like a change in the accounting method where you have to apply for a change and have it approved or have an automatic change. This is considered a change in facts. And however your facts bear out, you can claim whatever commission you're allowed to claim. Dave: Now, when you do that transactional calculation, another misconception I hear is that it's just impossible because there's all this data that the company doesn't have, and it's so complicated to do it that just nobody has the ability to do it. Nobody can do it. Nobody wants to do it. Talk to me about that. Is the data really impossible to get from the clients? There no client that can provide any data that can be used. Brian: There may be handful that can't, but by and large, most companies have the ability in 2025 to obtain that data. When the rules were written in 1972, I'd say it was probably flipped where only a handful could probably get that information. And the vast majority of companies would never be able to get that information. But somebody wrote the regs that way back in the early seventies, and with the idea that you could get transactional information and compute the dis commission transactionally as opposed to at a higher level where everything's grouped together or a simple calculation. But in 2025, it's very, I have a hard time determining conceiving of a company that can't get some information pulled together. And that's the other, there's a related misconception. Oh, I have to tie out every dollar of my cost of good sold before I can tell you I have cost of good sold data for a transaction. Well, that's just not true because in the real world, companies make journal entries adjusting the cost of good sold. They don't do it at a transactional level. There's other things that schedule M'S on a tax return that affect cost of good sold. And so no, you don't have to nub that out to the last dollar to say, I have transactional data. You have to be able to identify what you can and what you can't identify gets allocated or apportioned across all the transactions. And if you think about it, if you say, I can't get anything, you're really apportioning all of the costs over everything anyway. That's the ultimate in apportionment. There's not even any allocation. You're just saying, oh, every one of my transactions has the same margin as a result, which is really factually never the case. Dave: Well, and I just thought of another one, and this isn't maybe a misconception as much as it is a misinterpretation. I can't tell you how many IC-DISCs I see that the related supplier is a flow through entity, yet they have the individuals own the IC-DISC. Have you seen this before? Brian: I've seen it. And sometimes they think that's the way it had to be. Sometimes they hadn't really thought of. It depends how they're using it. But the real downside to that is the IC-DISC commission reduces the income of the flow through entity, thus reducing the basis they have in their shares of that flow through entity. And then the dividend gets paid to the individual and there's no basis increase the dividend income. And unless they contribute the funds back to the business, they're eroding away their basis stock, which ultimately will result in a higher gain if they ever sell their business. Dave: When the ownership of the IC-DISC matches the ownership of the related supplier. Can you think of a scenario where it is actually beneficial for the individual shareholders to the IC-DISC instead of the related supplier? Brian: Yes. There are situations depending on where this shareholder lives. So let's say the shareholder lives in, say the company is operating in a state with a state income tax, but the shareholder lives in a state that doesn't have a state income tax. It's possible to get that dividend to the shareholder tax free, where maybe if it went through the S corporation or the partnership, it would not be tax free. Dave: I see. And you're talking about tax free at the state level? Brian: Yes. Federally, I don't really see in a regular IC-DISC that's just been used to pay dividends to the owners of the supplier. I don't see, unless it's a C corporation, in that case, you don't want the IC-DISC owned by the C corp, but if it's a flow through entity, you generally get the same tax answer, whether it's owned directly by the flow through entity or directly by the shareholders. Dave: Okay. Oh, I just thought of another misconception. It's funny, when we started this column, I only had a handful of misconceptions. But the more we talk, the more we think of. So here's another one. Say you have a flow through as the related supplier yet for whatever reason, you want the IC-DISC to be owned by the individual shareholders. Well, I've been told several times that the ownership of the IC-DISC must match the ownership of the related supplier. There is no option to do otherwise. Is that accurate? Brian: That's a fairly strong statement. So the answer to that is no, it's not absolutely not required. Now, if the shareholders are related to one enough FAMILIALLY related, and there appears to be donative intent. So if mom and dad own a company and set up a IC-DISC and transfer it to the kids, there is some old IRS guidance out there that says, Hey, when a IC-DISC commission's paid to that IC-DISC, mom and dad are making a gift to kids. So that's a pattern you want to avoid, which is pretty easy to avoid, frankly. Dave: And you would avoid that by just setting up a new IC-DISC that the children would Brian: Set up initially and not get transferred by Dave: To the right and where the kids are making the capital contribution to Bible stock and Brian: Right. Exactly. But that's the one little gray area. Otherwise, there are some people out there that set up a IC-DISC to fund bonuses for executives. And we've kind of transitioned here away from misconceptions to underutilized opportunities because really that's an opportunity where you can use a IC-DISC to fund bonus payments to key executives and owners, or not owners, and it doesn't save the company any money, but it certainly saves the recipients a good amount of tax because if they get bonuses, they're paying tax, whatever their ordinary rate is, let's just say 37%, where plus there's payroll tax of 3.8%, whereas if it's funded through a IC-DISC, they pay tax at the qualified dividend rate plus the 3.8%. So it's a 17% rate differential on that type of income between the wages and the qualified dividend for the recipient. Dave: And I guess it would also save the employer portion of the employment taxes as well, right? Brian: Well, it saves the employee and the employer, but it's replaced by the Obamacare net investment income tax. So they're both 3.8%. Dave: But if you had a simple example where an employee had a base salary of a hundred thousand dollars and they had a $20,000 bonus that was paid through the IC-DISC, that would've been subject to Brian: Fica. I'm thinking about people that are making more than Dave: Understood, Brian: But you can save FICA tax as well, Dave: And the Brian: Employer and the Dave: Employee, and that's kind of what I was thinking of. And even when they get above that limit, there's still the 1.45% that I think has no cap. Brian: Right. But again, that's the employer portion. Then there's the employee portion together that's 3.80, Dave: Right, which is the, Brian: So you've got the Obamacare tax. Gotcha. Dave: Well, that reminds me of another misconception that you had alluded to, and that is that a related supplier can only have one IC-DISC affiliated with it. Is that true? Brian: That is not true. Related supplier could have a thousand IC-DISCs if it wanted to. Dave: In fact, that option you mentioned of the employee owned IC-DISC, I usually see that as that being an additional IC-DISC kind of in addition to the primary IC-DISC. Is that usually how you see it? Brian: I see that way as well. Yeah, for sure. Or I see IC-DISC A is going to fund bonuses for the C level executives, and then IC-DISC B is going to fund bonuses for middle management. And so middle management IC-DISC has a targeted amount, and the upper level IC-DISC may not have a targeted amount. It might just be unlimited. Dave: Now, the drawback is if you have multiple disk, the combined commission amount for all of them cannot exceed what it would've been if you had just one IC-DISC. Right. It's not a mechanism to create larger combined Brian: That definitely can't, doesn't work. Yeah, it definitely would. But yeah, you can definitely set up different structures to fund bonuses for different people, or if it's a C corporation, and we don't see a lot of C corporations with IC-DISCs. But if you're a closely held C corporation, you can have a shareholder owned IC-DISC, and if you're in the habit of paying dividends, you can pay commissions to a DIS instead of paying those dividends, Dave: Avoiding the double taxation in Brian: The corporate layer. Exactly. So that's an underutilized opportunity in my opinion, because there's got to be more closely held C corps out there than the amount that are using IC-DISCs. Dave: And I guess another one, we touched on this earlier, but the evergreen dividend resolution, what's this all about? Why is this an opportunity? What are the benefits of Brian: It? So the evergreen dividend resolution basically says the IC-DISC is going to distribute, its right to receive a commission each year on the last day of its year. So that accelerates the dividend into the same year as the commission expense. That alleviates the need to move money under the 60 day rule and 90 day rule. There's no reason to move the money if you're not trying to qualify a receivable. That's what those rules relate to, whether you're as receivable as qualified or not. So that's a benefit. It also can guard against the law change where the rate on the dividend income would go up in the subsequent year. You can avoid that. But a lot of practitioners treat their IC-DISC like they have an evergreen, but they don't actually have it. And that's a problem in my mind. But if you have it, it just makes everything a lot easier. You don't have to try to figure something out by the end of February. You figure it out once and you just treat it like it all happened at the end of the year. And I know that that works because I had a client years ago that was in tax court in the great state of Texas. The issue came up. I wrote up a brief for the client, and the tax court accepted the evergreen as a viable dividend resolution Dave: Because in a way, didn't the tax court almost defer that to the state rules? Brian: Well, they just fall under. So you can have a dividend, you can create a dividend under state corporate law just by writing a resolution, but you have to have the income to support the dividend, to have a dividend for tax purposes. So if you have the resolution that says, I'm declaring a dividend on December 31st every year, then based on facts, you either do have a dividend or you don't for tax purposes depending on how much income you have. So it just falls back on that probably one other underutilized Dave: Opportunity. Well, Brian, before you move, I just wanted to talk about the evergreen, I guess is the biggest drawback that the taxpayer would miss out on the deferral. Brian: That's one of the drawbacks. The other drawback has to do with the interplay between all of this and this 4 61 L limitation, which limits how much of a flow through loss a taxpayer can deduct in a year. So you could have a situation where the IC-DISC dividend on a transaction by transaction basis becomes so large, the commission becomes so large, it creates a loss and the flow through entity, the shareholder can only deduct a certain amount of that loss, but they would have to potentially pick up all the dividend income Dave: And then Brian: Deduct that loss at a later point in time. Now, personally, I'm still getting a permanent rate benefit out of it. So if I'm not going to sit on this loss for years and years, I think it's okay. But if I'm going to sit on that loss year after year after year and not utilize it, then I don't want to be picking up those dividends that I can't utilize the losses. So it just requires some additional coordination between the CPA and us and the client to determine exactly what the right commission should be. Dave: Okay. So you're about to, Brian: And that's another misconception. Dave: Yeah, go ahead. Brian: Yeah, like, oh, my commission has to either be whatever I compute or zero can't be anywhere in between. That's a misconception because I can target an amount, and as long as my IC-DISC commission agreement gives the related supplier the unilateral power to include or not include a IC-DISC export sale in the IC-DISC calculation, I can pick and choose whatever number I want that to be so that I don't have a 4 61 L problem, or I don't have the number be bigger than I can utilize. In other words. Dave: And that's because the IRS does not require you to capture every export sale. So that's basically limit the IC-DISC commission to a specific amount and back into which of the export sales you'll basically exclude from the calculation. Brian: Right? Right. Exactly. Exactly. But again, also we like to see that supported in the IC-DISC commission agreement. And then the last underutilized opportunity has to do with G there. Having a IC-DISC does have some cost. So if I don't have at these 3 million of export sales, it might be questionable whether I can really benefit economically benefit from a IC-DISC. When I look at the cost and the benefit, well, there are structures out there that we'll call a shared ING IC-DISC where partner like small exporter can invest in a partnership. That partnership owns a IC-DISC. Maybe there's five or six investors in the partnership. They're all unrelated. They all have, let's call it a million dollars of export sales. And on a standalone basis, there'd be too much cost for setting up the disk compliance to offset the tax benefits, but it'd be greater than the tax benefits. But if I can use a shared disk, then I only have to share a portion of the cost, the annual cost of the IC-DISC, but I still get my tax benefit. And really what happens with the other partners? So the partnership owns the IC-DISC. The IC-DISC earns that commission from the related supplier, then the IC-DISC pays all of its dividends to that partnership, and the partnership can then allocate the dividends back to the individual exporters based on their contribution. So it's a way for smaller companies to still get a tax benefit out of it. And I seen very few of these out there. So there's got to be thousands of companies that export that just don't export enough to have their own IC-DISC. Dave: Yeah, yeah. No, that's an interesting opportunity. And I agree based on my experience. I mean, I've talked to so many people in the past, or I did talk to so many people who exported $2 million or less, and I'd have to say to them, it's probably not worth the time and the cost because there's time on their end and then there's hard cost to have the work done. Brian: Yeah. I've had the same conversation countless times with companies as well. It's really something that both exporters and their CPAs should be aware of because the CPAs are in the best position to know that their clients are doing some level of export. Dave: And I just thought of another misconception, and that is that the virtually from the day after the IC-DISC rules were enacted, prognosticators started saying that the IC-DISC is going away. It's just going to be a short-lived thing. And even in the two decades I've been involved in IC-DISC work, I've heard this from so many tax practitioners, oh yeah, this thing's going away anyway, why bother? Brian: Yeah. Well, it really, for it to go away would fly right in the face of current policy in the administration. So I don't think it's going away anytime soon. Some of the benefits have been whittled away over time with some of the other provisions that are coming into play, but it's really not going to get repealed anytime soon. Certainly not in the next four years after that, who knows. But certainly it's good for the next four years. But it's funny, in 2003 with the Bush tax cuts, they brought in this concept of qualified dividend income, which really revitalized the use of the IC-DISC for a lot of pass through businesses. One of the big four firms said, oh, it's going to be a technical correction, and the qualified dividends are not going to include the dis dividends. Well, here it is 22 years later, I'm still waiting for that technical correction out of Congress, but I guarantee you that they've advised their clients to use the IC-DISC, even though they were out there saying, oh, no, no, no, no, no. This is an error. It's going to go away. Dave: Well, I had this conversation, I think it was in 2009. I think the preferential dividend rate was IC-DISCussed going away at the end of 2010. If I have my time horizon. And I remember it was late summer of I believe oh nine, talked to the potential client, they connected me to the CPA, and this was the international tax partner of a top 50 CPA firm. And she said to me, quote, I think you're being reckless even bringing this idea up to my client. I said, why is that? She said, are you not aware of house resolution such and such that hadn't been passed, but the resolution was going to ever go away? And she said, if this is passed, then this will not be usable beyond the 2010 tax share. And she said, we think it's reckless and not even sure why you'd want to bother with it if you can only at max use it for a year and four months. And I remembered saying, I appreciate that. You may not think it's worth it, but I wonder if the client, when he does the ROI calculations, if they might think it's worth it. Because even if they only used it for a year and a half, it still might be worth the cost to set it up, the compliance cost and the cost to shut it down. Brian: That whole analysis took place in 2007, 2010, 2012. I remember, I'm not proud of this, staying up late on New Year's night of 2013, so I could watch Congress vote because they let the qualified dividend rate lapse and then they had to reenact it the next day. And they did it on January 1st, and I sat in front of the TV watching. I was fairly invested in whether they were going to vote for it Dave: Or not. Yeah. Well, I think that's appropriate. You're a little bit like the soup Nazi from Seinfeld. He is got such passion for his customers. Brian: There you go. Yeah, I definitely am passionate about what I do because I love what I do. I couldn't imagine not doing it. Dave: Yeah, I find the same. Brian: And I love helping taxpayers legitimately reduce their tax burden. Dave: Well, and the clients that we help tend to be entrepreneurial type companies, they're not Fortune 500. And I've seen where this can legitimately make a difference in freeing up cash to buy more equipment, hire more people. It's quite a stimulus. Brian: Also not a misconception is Fortune 500 companies can't use a IC-DISC. It's really for private companies. Dave: Yeah. Brian: It's not something that you'll see a lot of or any private public companies utilize. Dave: Okay. Well boy, we've covered a lot. Anything left to cover? Any other misconceptions or opportunities you can think of? Brian: Nothing that I don't think we've IC-DISCussed. Dave: Okay. Well, I have one final kind of fun question. So with the benefit of hindsight, if you could go back in time and give advice to, say your 25-year-old self, what advice might you give to yourself? Brian: It's going to be completely non-tax related. Dave: That's okay. Brian: If you tear a ligament to your knee, get it repaired. I did that and I didn't get it repaired. And ultimately I got a new knee, which works just as well as the original with a lot more probably pain in the interim. Dave: Gotcha. Okay. Well that's good advice. So the takeaway, if you're 25 years old and you have a ligament tear, don't wait 30 years to get it fixed Brian: Or to not get it fixed at all and just get an artificial knee. Dave: Yeah. Understood. Well, Brian, thank you so much. This was really fun. I mean fun by a couple of IC-DISC nerds. I guess not everybody would consider this conversation fun, but I thought it was a lot of fun and I appreciate the expertise that you bring to this matter. Brian: I appreciate the opportunity to be here and chat with you about it. And maybe in the future there'll be some more topics we can talk about. Dave: Yep. I would enjoy that. We should make it an annual tradition. Brian: That sounds like a good idea. Dave: Alright. Hey, have a great day, Brian. Brian: You too, David. Dave: There we have it. Another great episode. Thanks for listening in. If you want to continue the conversation, go to ic IC-DISC show.com. That's IC dash D-C-S-H-O w.com. And we have additional information on the podcast archived episodes as well as a button to be a guest. So if you'd like to be a guest, go select that and fill out the information and we'd love to have you on the show. So it we'll be back next time with another episode of the IC-DISC Show. Special Guest: Brian Schwam.

Jump into The Alan Sanders Show – Ep. 219 as bombshells drop related to Rep. Stacey Plaskett getting caught live-texting Jeffrey Epstein for political dirt on Trump. Rep. Marjorie Taylor Greene reignites her public feud with President Trump. What's really behind the clash? New revelations expose the FBI's ongoing stonewalling on the 2021 pipe bomber case, but Director Patel says they will release something soon. As we close, we break down the growing push for "Communalism" ideology in America and then examine the concept of Federally created HSAs that could return competition to healthcare. Fast-paced, fact-packed and unfiltered, join for another no-spin episode of The Alan Sanders Show. Please take a moment to rate and review the show and then share the episode on social media. You can find me on Facebook, X, Instagram, GETTR,  TRUTH Social and YouTube by searching for The Alan Sanders Show. And, consider becoming a sponsor of the show by visiting my Patreon page!

Two Guardian pitchers have been Federally indicted for gambling. We discuss and ponder. Is gambling baseball's original sin? Will the freedom to gamble harm the game we love forever?

Called U.S. Public Research Benefits, the database showcases the value of basic science in an easy and accessible format.

Tim, Seamus, & Brett are joined by Judge Pat Dugan & Cliff Maloney to discuss Gen Z Democrat candidate for congress indicted for obstructing ICE, a liberal podcaster suggesting killing conservatives, Biden FBI's "enemies list" being exposed, and the Pentagon ordering the establishment of a Quick Reaction Force to combat civil unrest. Hosts: Tim @Timcast (everywhere) Seamus @FreedomToons | http://twistedplots.com/ Brett @PopCultureCrisis (YouTube) Serge @SergeDotCom (everywhere) Guests: Judge Pat Dugan @Duganforda (X) Cliff Maloney @Maloney (X)

Each day, SDPB brings you statewide news coverage. We then compile those stories into a daily podcast.

Operators are proposing big changes for how they run three dams on the Connecticut River.

What's up all you stoners, burners and potheads! Mr & Mrs Weedman kick off the show getting normal, toking on Devil Driver from their bud, Big Earl. They dive right into some tales from their week in the world of weed, they deliver the latest and hottest cannabis news, research and reports, and they do it all while they're baked!  Why? To teach, to share, and to stomp the stigma!  Because, if they're baked and still produce a solid show, week after week, filled with good content and information, delivered in a loose and friendly way - they can show the positive affects the plant has on the mind, human behavior, feelings, and much more. They candidly demonstrate the effects of consumption (each show they toke a different strain), showing people that weed doesn't make you incapable of functioning, or a mess of a human. In fact, it helps in so many ways, like calming the mind, relaxing the body, allowing creativity to flow and for the mind to expand it's thinking. They hope your takeaway from the show is a better understanding and openness toward the amazing plant,  cannabis. They're a couple on a mission to #FreeThePlant  & #StompTheStigmaThanks for listening, as always hit us up!Support The Show: https://www.buzzsprout.com/283607/supportTWITTER: @weedman420podYouTube: Weedman420 ChroniclesEMAIL:  weedman420chronicles@gmail.comSHOP: www.eightdecades.comIG: @eightdecadesEMAIL: eightdecadesinfo@gmail.com#ImHigh #Cannabis #StomptheStigma #HomeGrow #FreethePlant #Stoners #Burners #rosin #liverosin #Potheads #Vipers #CannabisEducation #CannabisResearch #Weed #Marijuana #LegalizeIt #CannabisNews #CBD #Terpenes  #Podcast #CannabisPodcast #eightdecades #LPP #Lifestyle #HealthyLifestyle #NaturalMedicine #PlantMedicine #News #Research #MedicalMarijuana #Infused #420 #Education #Health #Wellness #WorldNews #Gardening #budtender #kief #hemp #dabs #hash #joints #edibles #gummies #tincture #vapes #esters #pauliesayssmokesmartArticle Links:*  https://thefreshtoast.com/culture/cannabis-can-help-returning-astronauts/#utm_source=rss&utm_medium=rss&utm_campaign=cannabis-can-help-returning-astronauts* https://www.greenstate.com/explained/cannabis-quality-thc/?utm_source=flipboard&utm_content=GreenState/magazine/GreenState+News+%26+Life* https://www.aol.com/marijuana-life-insurance-135714995.html?utm_source=flipboard&utm_content=AOLcom/magazine/Business* https://www.marijuanamoment.net/marijuana-users-have-enhanced-cognitive-abilities-large-federally-funded-study-shows/?utm_source=flipboard&utm_content=user%2FChefJeff314* https://www.smithsonianmag.com/science-nature/inside-the-quest-to-understand-the-link-between-cannabis-and-schizophrenia-180987114/?utm_source=flipboSuggestions? Questions? Chat with us here.Support the show

Many seniors today face significant financial strain—some even resort to borrowing to cover their basic living expenses.For retirees on a fixed income, a reverse mortgage can be a practical solution to access the equity in their home and bring much-needed stability. Harlan Accola joins us today with a message of hope for those looking for margin in their retirement years.Harlan Accola is the National Reverse Mortgage Director at Movement Mortgage, an underwriter of Faith and Finance. He is also the author of Home Equity and Reverse Mortgages: The Cinderella of the Baby Boomer Retirement.The Real Issue: Seniors Struggling with Credit Card DebtNearly 70% of seniors that Movement speaks with are carrying credit card debt. These aren't impulsive spenders buying luxury items. They're retired, living on fixed incomes, and they're relying on credit just to pay for basics like groceries and prescriptions. They're often asset-rich but cash-poor—sitting on significant home equity but drowning in interest rates of 25% to 35%.Many people suffer silently, too embarrassed to discuss their financial challenges. They don't realize that the equity in their home could be used to ease their burden without losing the home they love.One of the biggest hurdles is the spread of misinformation. People believe they'll lose their house, or that a reverse mortgage is inherently bad.In truth, the Home Equity Conversion Mortgage (HECM)—the most common form of reverse mortgage—is federally insured and designed to protect both the homeowner and their heirs. Properly structured, it can be a safe and responsible tool.Who Should Consider a Reverse Mortgage?Anyone over 62 with at least 50–60% equity in their home should take a closer look. A typical scenario might be someone still making monthly mortgage payments, even with a small remaining balance. Those payments—$800, $1,500 or more—can strain fixed retirement budgets.One common misconception is that you lose control of your home. In fact, you and your spouse can stay in your home for life, even if one of you passes away. You can choose how to receive the funds—from monthly income to a lump sum to the most popular option: a line of credit.Whether it's a car repair or a medical bill, reverse mortgage lines of credit provide flexibility. And it's all about wise stewardship.At the heart of this decision is a stewardship principle. As Proverbs 24:3 reminds us, “By wisdom a house is built, and through understanding it is established.” It doesn't make sense to live in a paid-off home but struggle to pay for groceries while racking up 30% interest on credit cards. That's not good stewardship.Reverse mortgages aren't for everyone—but many avoid them simply due to fear or misunderstanding. For some, it could be a life-giving solution.If you're entering—or well into—retirement and want to explore whether a reverse mortgage might be a fit for your situation, visit Movement.com/Faith. On Today's Program, Rob Answers Listener Questions:I'm 71 and still working, but I'm not sure how much longer I'll be able to keep it up. Would a reverse mortgage help me eliminate my monthly mortgage payment, allowing me to manage better if I need to stop working?I have recently retired and hold a 401(k) account with Fidelity. Someone mentioned a company called Big Money Retirement Solution, which offers a 9% annual return on an annuity. Should I consider moving half of my portfolio there?I heard there's a way to get a free credit report that the government requires. How do I access that?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Movement MortgageAnnualCreditReport.comWisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

Officials celebrated the conversion of two Indianapolis streets from one-way to now two-way traffic. Indianapolis will be home to one of two federally backed centers studying Alzheimer's disease using stem-cell models of the human brain. An Indianapolis nonprofit that works to improve food security and equity inside schools will undergo a name change as it expands its mission. The City of Indianapolis plans to close a camp for unhoused people in Fountain Square this week.

Officials celebrated the conversion of two Indianapolis streets from one-way to now two-way traffic. Indianapolis will be home to one of two federally backed centers studying Alzheimer's disease using stem-cell models of the human brain. An Indianapolis nonprofit that works to improve food security and equity inside schools will undergo a name change as it expands its mission. The City of Indianapolis plans to close a camp for unhoused people in Fountain Square this week. Want to go deeper on the stories you hear on WFYI News Now? Visit wfyi.org/news and follow us on social media to get comprehensive analysis and local news daily. Subscribe to WFYI News Now wherever you get your podcasts. WFYI News Now is produced by Drew Daudelin, Zach Bundy and Abriana Herron, with support from News Director Sarah Neal-Estes.

Steve Gruber discusses news and headlines 

SUPPORT SKYLAND CANNABIS CO! USE CODE TERPTEAM15 FOR 15% OFF YOUR ORDER! THAT'S RIGHT! YOU CAN LEGALLY ORDER PRODUCTS FEATURED ON THIS EPISODE RIGHT FROM YOUR TERP TABLE AT HOME! I PERSONALLY RECOMMEND THE MANGO 10-STRIP GUMMIES!https://skylandcannabis.com/This week we're capturing a conversation with Nick & Hannah from Skyland Cannabis Company in the heart of beautiful Asheville, NC! This store specializes in high quality federally compliant hemp/THCa products sourced from the best markets that the hemp market has to offer! In this conversation we cover quite a variety of topics including the history of the hemp market, their dedication to only stocking phytocannabinoid products (no HHC, THC-P/O, D8, etc.), upcoming legislation in their state, social media's prejudice against cannabis, and much more! This episode is an eye opening look into the realities of the NC hemp market. If you take nothing else from this episode, just remember that the 2018 farm bill started the true democratization of cannabis in this country. Listen to find out why! Terps N ThingsRedRoc Rosin - Papaya, Silver Pearl, and others! Check out their website for current stock & get you a jar today! Cymatic Gardens - Cymatic Sour (Chem De La Sour x Dulce De Uva) 73-159 Indoor, Soil, Ferment FedSupport the show

Dana has some new tenants...and they're Federally protected. Hour 2 7/24/2025 full 2136 Thu, 24 Jul 2025 20:00:00 +0000 u4rp1ZeNZUbvlyv1u9u0NsX3rhcybXyz news The Dana & Parks Podcast news Dana has some new tenants...and they're Federally protected. Hour 2 7/24/2025 You wanted it... Now here it is! Listen to each hour of the Dana & Parks Show whenever and wherever you want! © 2025 Audacy, Inc. News False https://player.

Bryan and Steve discuss the hypothetical scenario of federal funding for research suddenly drying up. What might happen at universities? How would faculty react? Who knows if we're right or not, but hopefully it offers food for thought. Enjoy!

In this live stream, we'll be discussing the failed attempt to ban federally-legal cannabis products in Texas. Watch video version and read full show notes here: https://thecolememo.com/2025/07/03/e215/

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Latif Nasser, co-host of Radiolab from WNYC, tells the story of the huge impacts one small discovery made, brought to us by federally-funded scientific research -- and what we might lose as so much of the funding has been cut by DOGE. 

One year ago, Columbia University became ground zero for the student-led Gaza solidarity encampment movement that spread to campuses across the country and around the world. Now, Columbia has become ground zero for the Trump administration's authoritarian assault on higher education, academic freedom, and the right to free speech and free assembly—all under the McCarthyist guise of rooting out “anti-semitism.” From Trump's threats to cancel $400 million in federal grants and contracts with Columbia to the abduction of international students like Mahmoud Khalil by ICE agents, to the university's firing and expulsion of Student Workers of Columbia-United Auto Workers union president Grant Miner, “a tremendous chilling effect” has gripped Columbia's campus community. In this urgent episode of Working People, we speak with: Caitlin Liss, a PhD candidate in history at Columbia University and a member of Student Workers of Columbia-UAW (SWC); and Allie Wong, a PhD student at the Columbia Journalism School and a SWC member who was arrested and beaten by police during the second raid on the Gaza solidarity protests at Columbia on April 30, 2024. Additional links/info: Student Workers of Columbia-UAW Local 2710 website April 17: Day of Action to Defend Higher Ed website Mahmoud Khalil statement from ICE detention: “My name is Mahmoud Khalil and I am a political prisoner” Allie Wong, The Intercept, “This is not about antisemitism, Palestine, or Columbia. It's Trump dismantling the American dream“ Grant Miner, The Nation, “Columbia expelled me for my palestine activism, but I won't be silenced” Jonah E. Bromwich & Hamed Aleaziz, The New York Times, “Columbia student hunted by ICE sues to prevent deportation” AAUP letter to college and university legal offices: “Institutions Should Not Provide Student and Faculty Info To Enable Deportations” Alan Blinder, The New York Times, “Trump Has Targeted These Universities. Why?” Oliver Laughland, The Guardian, “‘Detention Alley': inside the Ice centres in the US south where foreign students and undocumented migrants languish” Alice Speri, The Guardian, “‘A huge cudgel': alarm as Trump's war on universities could target accreditors” Annie Ma, Makiya Seminera, & Christopher L. Keller, Associated Press, “Visa cancellations sow panic for international students, with hundreds fearing deportation” Maximillian Alvarez, Working People / The Real News Network, “‘People are hiding in their apartments': Inside Trump's assault on universities” Maximillian Alvarez, Working People / The Real News Network, “‘Kill these cuts before they kill us': Federally funded researchers warn DOGE cuts will be fatal” Permanent links below… Leave us a voicemail and we might play it on the show! Labor Radio / Podcast Network website, Facebook page, and Twitter page In These Times website, Facebook page, and Twitter page The Real News Network website, YouTube channel, podcast feeds, Facebook page, and Twitter page Featured Music… Jules Taylor, “Working People” Theme Song Studio Production: Maximillian Alvarez Post-Production: Jules Taylor  

One year ago, Columbia University became ground zero for the student-led Gaza solidarity encampment movement that spread to campuses across the country and around the world. Now, Columbia has become ground zero for the Trump administration's authoritarian assault on higher education, academic freedom, and the right to free speech and free assembly—all under the McCarthyist guise of rooting out “anti-semitism.” From Trump's threats to cancel $400 million in federal grants and contracts with Columbia to the abduction of international students like Mahmoud Khalil by ICE agents, to the university's firing and expulsion of Student Workers of Columbia-United Auto Workers union president Grant Miner, “a tremendous chilling effect” has gripped Columbia's campus community. In this urgent episode of Working People, we speak with: Caitlin Liss, a PhD candidate in history at Columbia University and a member of Student Workers of Columbia-UAW (SWC); and Allie Wong, a PhD student at the Columbia Journalism School and a SWC member who was arrested and beaten by police during the second raid on the Gaza solidarity protests at Columbia on April 30, 2024.Additional links/info:Student Workers of Columbia-UAW Local 2710 websiteApril 17: Day of Action to Defend Higher Ed websiteMahmoud Khalil statement from ICE detention: “My name is Mahmoud Khalil and I am a political prisoner”Grant Miner, The Nation, “Columbia expelled me for my palestine activism, but I won't be silenced”Jonah E. Bromwich & Hamed Aleaziz, The New York Times, “Columbia student hunted by ICE sues to prevent deportation”AAUP letter to college and university legal offices: “Institutions Should Not Provide Student and Faculty Info To Enable Deportations”Alan Blinder, The New York Times, “Trump Has Targeted These Universities. Why?”Oliver Laughland, The Guardian, “‘Detention Alley': inside the Ice centres in the US south where foreign students and undocumented migrants languish”Alice Speri, The Guardian, “‘A huge cudgel': alarm as Trump's war on universities could target accreditors”Annie Ma, Makiya Seminera, & Christopher L. Keller, Associated Press, “Visa cancellations sow panic for international students, with hundreds fearing deportation”Maximillian Alvarez, Working People / The Real News Network, “‘People are hiding in their apartments': Inside Trump's assault on universities”Maximillian Alvarez, Working People / The Real News Network, “‘Kill these cuts before they kill us': Federally funded researchers warn DOGE cuts will be fatal”Permanent links below…Leave us a voicemail and we might play it on the show!Labor Radio / Podcast Network website, Facebook page, and Twitter pageIn These Times website, Facebook page, and Twitter pageThe Real News Network website, YouTube channel, podcast feeds, Facebook page, and Twitter pageFeatured Music…Jules Taylor, “Working People” Theme SongStudio Production: Maximillian AlvarezPost-Production: Jules TaylorBecome a supporter of this podcast: https://www.spreaker.com/podcast/the-real-news-podcast--2952221/support.

International students are being abducted and disappeared by ICE in broad daylight. Life-saving research projects across the academy are being halted or thrown into disarray by seismic cuts to federal grants. Dozens of universities are under federal investigation for their Diversity, Equity, and Inclusion programs, their allowance of trans athletes to compete in college sports, and their tolerance of constitutionally protected Palestine solidarity protests. In today's urgent episode of Working People, we get a harrowing, on-the-ground view of the Trump administration's all-out assault on institutions of higher education and the people who live, learn, and work there. TRNN Editor-in-Chief Maximillian Alvarez speaks with Todd Wolfson, President of the American Association of University Professors, Associate Professor of Journalism and Media Studies at Rutgers University, and co-director of the Media, Inequality and Change Center; and Chenjerai Kumanyika, Assistant Professor at the Arthur L. Carter Journalism Institute at New York University, AAUP Council Member, and Peabody-award winning host of Empire City: The Untold Origin Story of the NYPD. Additional links/info: April 17: Day of Action to Defend Higher Ed website American Association of University Professors (AAUP) website Federal Unionists Network website AAUP letter to college and university legal offices: “Institutions Should Not Provide Student and Faculty Info To Enable Deportations” Alan Blinder, The New York Times, “Trump Has Targeted These Universities. Why?” Oliver Laughland, The Guardian, “‘Detention Alley': inside the Ice centres in the US south where foreign students and undocumented migrants languish” Alice Speri, The Guardian, “‘A huge cudgel': alarm as Trump's war on universities could target accreditors” Joy Connolly, Chronicle Review, “Colleges must stand together to resist Trump” Collin Binkley, Associated Press, “More than 50 universities face federal investigations as part of Trump's anti-DEI campaign” Maximillian Alvarez, Working People / The Real News Network, “‘Kill these cuts before they kill us': Federally funded researchers warn DOGE cuts will be fatal” Permanent links below… Leave us a voicemail and we might play it on the show! Labor Radio / Podcast Network website, Facebook page, and Twitter page In These Times website, Facebook page, and Twitter page The Real News Network website, YouTube channel, podcast feeds, Facebook page, and Twitter page Featured Music… Jules Taylor, “Working People” Theme Song Studio Production: Maximillian Alvarez Post-Production: Jules Taylor

On Tuesday, April 8, unions, unionized federal workers, and their supporters around the country mobilized for a national “Kill the Cuts” day of action to protest the Trump administration's cuts to life-saving research, healthcare, and education programs. As organizers stated on the Kill The Cuts website,  "By cutting funds to lifesaving research and medical care, the Trump administration is abandoning families who are suffering and costing taxpayers billions of dollars. These cuts are dangerous to our health, and dangerous to our economy. On Tuesday, April 8th, 2025 workers across the country are standing up and demanding NO cuts to education and life-saving research." In this on-the-ground edition of Working People, we take you to the front lines of the Kill the Cuts rally that took place in Washington DC, and we speak with workers and union representatives whose lives and work have already been affected by these cuts.Speakers include: Margaret Cook, Vice President of the Public, Healthcare, and Education Workers sector of the Communications Workers of America (CWA); Matt Brown, Recording Secretary of NIH Fellows United (United Auto Workers Local 2750); Rakshita Balaji, a post-baccalaureate researcher at the National Institutes of Health (NIH); and Amanda Dykema, shop steward for American Federation of State, County, and Municipal Employees (AFSCME) Local 1072 at the University of Maryland, College Park.Additional links/info: Kill the Cuts website NIH Fellows United website Maximillian Alvarez, Working People / The Real News Network, “What's really behind Trump's war on federal unions?” Jocelyn Kaiser, Science, “NIH under orders to cancel $2.6 billion in contracts” Permanent links below… Leave us a voicemail and we might play it on the show! Labor Radio / Podcast Network website, Facebook page, and Twitter page In These Times website, Facebook page, and Twitter page The Real News Network website, YouTube channel, podcast feeds, Facebook page, and Twitter page Featured Music… Jules Taylor, “Working People” Theme Song Studio Production: Maximillian Alvarez Post-Production: Jules Taylor

International students are being abducted and disappeared by ICE in broad daylight. Life-saving research projects across the academy are being halted or thrown into disarray by seismic cuts to federal grants. Dozens of universities are under federal investigation for their Diversity, Equity, and Inclusion programs, their allowance of trans athletes to compete in college sports, and their tolerance of constitutionally protected Palestine solidarity protests. In today's urgent episode of Working People, we get a harrowing, on-the-ground view of the Trump administration's all-out assault on institutions of higher education and the people who live, learn, and work there. TRNN Editor-in-Chief Maximillian Alvarez speaks with Todd Wolfson, President of the American Association of University Professors, Associate Professor of Journalism and Media Studies at Rutgers University, and co-director of the Media, Inequality and Change Center; and Chenjerai Kumanyika, Assistant Professor at the Arthur L. Carter Journalism Institute at New York University, AAUP Council Member, and Peabody-award winning host of Empire City: The Untold Origin Story of the NYPD.Additional links/info:April 17: Day of Action to Defend Higher Ed websiteAmerican Association of University Professors (AAUP) websiteFederal Unionists Network websiteAAUP letter to college and university legal offices: “Institutions Should Not Provide Student and Faculty Info To Enable Deportations”Alan Blinder, The New York Times, “Trump Has Targeted These Universities. Why?”Oliver Laughland, The Guardian, “‘Detention Alley': inside the Ice centres in the US south where foreign students and undocumented migrants languish”Alice Speri, The Guardian, “‘A huge cudgel': alarm as Trump's war on universities could target accreditors”Joy Connolly, Chronicle Review, “Colleges must stand together to resist Trump”Collin Binkley, Associated Press, “More than 50 universities face federal investigations as part of Trump's anti-DEI campaign”Maximillian Alvarez, Working People / The Real News Network, “‘Kill these cuts before they kill us': Federally funded researchers warn DOGE cuts will be fatal”Permanent links below…Leave us a voicemail and we might play it on the show!Labor Radio / Podcast Network website, Facebook page, and Twitter pageIn These Times website, Facebook page, and Twitter pageThe Real News Network website, YouTube channel, podcast feeds, Facebook page, and Twitter pageFeatured Music…Jules Taylor, “Working People” Theme SongStudio Production: Maximillian AlvarezPost-Production: Jules TaylorBecome a supporter of this podcast: https://www.spreaker.com/podcast/the-real-news-podcast--2952221/support.

The federal government has spent nearly $3 billion on electric vehicle infrastructure. So far? Only 214 individual chargers have been built across the entire country. In this episode of American Potential, host David From sits down with Jeremiah Mosteller, Policy Director at Americans for Prosperity, to unpack how taxpayer dollars are being funneled into inefficient, top-down government programs that promise a cleaner future—but deliver very little. They take a hard look at two major Department of Transportation programs that were supposed to make EV charging more accessible nationwide. Instead, Mosteller reveals how the money has been doled out in lump sums to states, who then hand it over to private companies—regardless of whether there's actual demand for chargers. In one case, chargers are popping up in areas where no one even drives electric vehicles, including rural towns in North Carolina. Meanwhile, billions continue to be allocated without meaningful results or oversight. The episode also dives into other examples of government overreach and inefficiency—from a $2 million grant to train students how to fly drones, to fuel economy regulations that will raise car costs for working Americans. And in perhaps the most jaw-dropping revelation, the Department of Transportation still processes federal retirements on paper—stored in filing cabinets inside a limestone mine in Pennsylvania. This is part of the “Big Ideas for Smaller Government” series, where David and Jeremiah are working toward a bold goal: identifying $2 trillion in federal spending cuts. If you believe innovation comes from the ground up—not from Washington D.C.—and that government should be accountable for how it spends your money, this episode will give you plenty to think about.

Federally-indicted New York City Mayor Eric Adams opened his city's prison system to ICE agents as part of a reported quid pro quo agreement with President Trump, who will allegedly help Adams avoid prison in exchange for cooperation on the president's agenda. Oscar-winner George Clooney talks about legendary CBS journalist Edward R. Murrow, who was the most trusted person in television news during the 1950s when he stood up to powerful figures like Sen. Joseph McCarthy. Watch his portrayal of Murrow on Broadway in “Good Night, and Good Luck” in previews beginning March 12th and opening April 3rd at the Winter Garden Theater. To learn more about listener data and our privacy practices visit: https://www.audacyinc.com/privacy-policy Learn more about your ad choices. Visit https://podcastchoices.com/adchoices