Podcasts about Fixed

We all know that biases exist—”but not me! I'm never biased.” Even if you don't think that to yourself, you may act that way without know it. Many biases are subtle and hidden. In this episode Jake and Kirk discuss four big hidden biases that most Americans suffer from, and how to become aware of them. https://www.cnbc.com/2021/05/25/some-of-your-biases-could-cause-you-financial-harm-study-suggests.html *“Tax preparation, planning, IRS representation, and business valuation services offered through iFile Tax Planning and Preparation Services are separate and unrelated to Commonwealth.” Have questions about managing your financial lifestyle? Email Jake@youandifinancial.com and Jake Rivas may read your questions on the show! Follow Jake on Twitter and Facebook @jakestwocents Securities and advisory services offered through Commonwealth Financial Network, Member FINRA/SIPC, a Registered Investment Adviser. Fixed insurance products and services offered through CES Insurance Agency. Actual performance and results will vary. These interviews do not constitute a recommendation as to the suitability of any investment for any person or persons having circumstances similar to those portrayed. Consult a Financial Advisor regarding your specific circumstances. I*financial is located at 1901 NW Military Hwy. STE. 102. San Antonio, TX 78213. Phone number 210-342-4346

[Fixed editing errors]Freelance reporter and The Daily Beast contributor Robert Silverman joins SH!TPOST to talk about his blockbuster profile on YouTube news performer Tim Pool, one of the most prominent right-wing aligned personalities on the platform. Robert and Jared talk about what Tim Pool’s early career reveals about his current goings-on and how the YouTuber has quietly built a media micro-empire with little criticism from media watchdogs.For more background on Tim Pool’s career arc, check out SH!TPOST’s interview with @TimPoolClips here: Follow Robert on Twitter: @BobSaiettaRead Robert’s latest article: How ‘Coward and Phony’ Tim Pool Became One of the Biggest Political YouTubers on the Planet (https://www.thedailybeast.com/how-coward-and-phony-tim-pool-became-one-of-the-biggest-political-youtubers-on-the-planet)Check out Robert’s favorite thing online right now:If you liked this show, you’ll like the newsletter, too! Subscribe to get the subscriber-exclusive content in your inbox and support the show: This is a public episode. Get access to private episodes at shtpost.substack.com/subscribe

Fixed vs. Growth mindset. Which do you have?

Weekly market commentary brought to you by Tony Drake, CFP® of Drake & Associates, LLC in Waukesha, Wisconsin. Find us at WealthWisconsin.com and weekly on WTMJ 620AM Saturdays at 1:00 pm on the Retirement Ready radio show. Investment advisory services provided by Drake & Associates, LLC, a State of Wisconsin registered investment adviser. Insurance products are offered through a separate company, LOFT Financial Advisory Group, LLC, a Wisconsin Insurance agency, clients are under no obligation to purchase any recommended insurance products. S&P 500 Index is an unmanaged group of securities considered to be representative of the stock market in general. The Dow Jones Industrial Average is a price-weighted average of 30 significant stocks traded on the New York Stock Exchange and the NASDAQ. The DJIA was invented by Charles Dow back in 1896. The Nasdaq Composite is an index of the common stocks and similar securities listed on the NASDAQ stock market and is considered a broad indicator of the performance of stocks of technology companies and growth companies. The MSCI EAFE Index was created by Morgan Stanley Capital International (MSCI) that serves as a benchmark of the performance in major international equity markets as represented by 21 major MSCI indices from Europe, Australia, and Southeast Asia. The 10-year Treasury Note represents debt owed by the United States Treasury to the public. Since the U.S. Government is seen as a risk-free borrower, investors use the 10-year Treasury Note as a benchmark for the long-term bond market. You cannot directly invest in an index. Investing involves risk including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values. Diversification does not guarantee profit nor is it guaranteed to protect assets. Opinions expressed are subject to change without notice and are not intended as investment advice or to predict future performance. Past performance does not guarantee future results. Consult your financial professional before making any investment decision. Fixed income investments are subject to various risks including changes in interest rates, credit quality, inflation risk, market valuations, prepayments, corporate events, tax ramifications and other factors. Drake & Associates does not offer tax or legal advice.

Hello Warriors and Battle Buddies!Here we go with Episode 128!Drew stumbled across an article a few weeks back on mindset. Is was basically a book review highlighting a book written by Dr. Carol Dweck. A researcher who has been studying mindset for over 20 years. She argues that there are only two -Fixed and Growth.As we have discovered and talked about quite a bit around here, mindset is a big key to healing. Drew figured I'd present the doctors findings and ask Terry what she thinks in terms of this TBI world we find ourselves in.Terry offered her own experiences and viewpoints and as always we provide some suggestions to help you get into the Growth side a little more.Notes and resources for this episodeConnect with us at abattlewithin.com and on Facebook and on Instagram at A Battle Within.Like to be featured on the podcast? Know of someone you think should be? Or have episode topic ideas? Reach out in those same places.If you like what your hearing and want to support the program, a great way to do it is to rate and review the podcast on Apple Podcast even if you don't use that listening platform.If you want to offer more support, "Buy Us A Cup of Coffee" is a great way too do so along with our swag shop at abattlewithin.com/swagUntil next time - For those healing, show yourself some grace. For those who know someone healing, show them the same, and give them a great deal of love. Keep Battling!Instacart Offer LinkPlease note that Terry and Drew are not medical professionals nor should their perspectives be taken as medical advice.Click Here to see disclaimer.Some of the links and resources provided are affiliate links, which means that if you choose to make a purchase via www.abattlewithin.com  we will earn a commission. This commission comes at no additional cost to you. Terry is also a Young Living Distributor and if you purchase via a link provided we earn a commission. Again at no charge to you.Instacart - Groceries delivered in as little as 1 hour. Free delivery on your first order over $35.Disclaimer: This post contains affiliate links. If you make a purchase, I may receive a commission at no extra cost to you.Support the show (https://www.buymeacoffee.com/abattlewithin)

On this episode of WashingtonWise Investor, Kathy Jones, Schwab's chief fixed income strategist, joins Mike Townsend to decipher the economy's mixed signals. While the S&P is up around 17% for the year, many investors can't help being concerned about slow job growth, the quick rise of inflation, and what repercussions the surge of the Delta variant may have. Kathy and Mike discuss what investors should be watching for.Mike also looks into the daunting task before Congress as lawmakers struggle to finalize an infrastructure bill and lay the groundwork for another economic package that could include tax increases. And he assesses the potential for the U.S. to default on its debts if the debt ceiling isn't raised, all while a government shutdown is looming if funding for federal agencies is not approved by October 1.WashingtonWise Investor is an original podcast from Charles Schwab. For more on the series, visit Schwab.com/WashingtonWise.If you enjoy the show, please leave a ★★★★★ rating or review on Apple Podcasts. Important Disclosures:The policy analysis provided by the Charles Schwab & Co., Inc., does not constitute and should not be interpreted as an endorsement of any political party.The information provided here is for general informational purposes only and should not be considered an individualized recommendation or personalized investment advice. The investment strategies mentioned here may not be suitable for everyone. Each investor needs to review an investment strategy for his or her own particular situation before making any investment decision. All expressions of opinion are subject to change without notice in reaction to shifting market conditions. Data contained herein from third-party providers is obtained from what are considered reliable sources. However, its accuracy, completeness or reliability cannot be guaranteed. Investing involves risk, including loss of principal. Past performance is no guarantee of future results and the opinions presented cannot be viewed as an indicator of future performance.Forecasts contained herein are for illustrative purposes only, may be based upon proprietary research and are developed through analysis of historical public data.Fixed income securities are subject to increased loss of principal during periods of rising interest rates. Fixed income investments are subject to various other risks including changes in credit quality, market valuations, liquidity, prepayments, early redemption, corporate events, tax ramifications and other factors. Lower rated securities are subject to greater credit risk, default risk, and liquidity risk.Indexes are unmanaged, do not incur management fees, costs and expenses and cannot be invested in directly. For more information on indexes please see www.schwab.com/indexdefinitions.0712-1L12

In the world of algorithms and AI is it still necessary to hire a CFP? Can't robots do it all for us? Jake and Kirk discuss various online programs that can do a good job at helping you to manage and invest your finances. But is it sufficient? Also, at what point can robots not do what a human is able to do? These are some questions that Jake and Kirk discuss, as well as give some tips on when to use robo advisors and when to hire a human. *“Tax preparation, planning, IRS representation, and business valuation services offered through iFile Tax Planning and Preparation Services are separate and unrelated to Commonwealth.” Have questions about managing your financial lifestyle? Email Jake@youandifinancial.com and Jake Rivas may read your questions on the show! Follow Jake on Twitter and Facebook @jakestwocents Securities and advisory services offered through Commonwealth Financial Network, Member FINRA/SIPC, a Registered Investment Adviser. Fixed insurance products and services offered through CES Insurance Agency. Actual performance and results will vary. These interviews do not constitute a recommendation as to the suitability of any investment for any person or persons having circumstances similar to those portrayed. Consult a Financial Advisor regarding your specific circumstances. I*financial is located at 1901 NW Military Hwy. STE. 102. San Antonio, TX 78213. Phone number 210-342-4346

Bob Klein's article, How to Enjoy a Guilt-Free Retirement, was published in The Street's Retirement Daily. Fixed income annuities could be the key to limiting your financial guilt in retirement. The post Bob Klein's “How to Enjoy a Guilt-Free Retirement” Published in Retirement Daily appeared first on Retirement Income Center.

Pivot may have been the 2020 word of the year. For Jordan Babineaux, though, it is about changing directions and looking for new opportunities. Jordan is a former NFL player turned sports broadcaster, entrepreneur, and author of Pivot to Win. He discusses choices and the simple concept of just asking for what we want. Although you may not get what you asked for, you get the opportunity to grow and go through adversity with confidence. He also draws parallels between the teams we lead and professional football teams. Leaders need to be specific in their communication and set clear expectations. In this episode, Jordan talks to Kevin about: Fixed vs. growth mindset. Cultivating persistence. Coaching lessons from coaches. This episode is brought to you by… From Manager to Remarkable Leader, Kevin's Flagship workshop based on his proven leadership model. Additional Leadership Resources Book Recommendations: Pivot to Win by Jordan Babineaux Switch: How to Change Things When Change is Hard by Chip Heath and Dan Heath Mindset: The New Psychology of Success by Carol Dweck Connect with Jordan Babineaux: Website | Facebook | Twitter | LinkedIn Related Podcast Episodes: What Makes Teams Great with Sam Walker. Nine Mistakes People Make with Skip Prichard. Leading on the Football Field and in Your Field with Michael Lombardi. Follow the Podcast Don't miss an episode! Follow this podcast through the options below. Apple Podcasts Stitcher TuneIn Soundcloud RSS Or your favorite podcast app. Leave a Review If you liked this conversation, we'd be thrilled if you'd let others know by leaving a review on Apple Podcasts. Here's a quick guide for posting a review. Join Our Facebook Group Join our Facebook community to network with like-minded leaders, ask us questions, suggest guests and more. We welcome your wealth of experience and hope you will join us in sharing it with others on their leadership journey. You can join the group here: facebook.com/groups/RemarkableLeadershipPodcast/

https://vimeo.com/579647180/2c27a9cdd0 Get Smart after Market Volatility Transcript t after Market Volatility Transcript Producer: [00:00:30] Fixed annuities, including multiyear guaranteed rate annuities, are not designed for short term investments and may be subject to restrictions, fees and surrender charges as described in the annuity contract guarantees are backed by the financial strength and claims paying ability [...]

Weekly market commentary brought to you by Tony Drake, CFP® of Drake & Associates, LLC in Waukesha, Wisconsin. Find us at WealthWisconsin.com and weekly on WTMJ 620AM Saturdays at 1:00 pm on the Retirement Ready radio show. Investment advisory services provided by Drake & Associates, LLC, a State of Wisconsin registered investment adviser. Insurance products are offered through a separate company, LOFT Financial Advisory Group, LLC, a Wisconsin Insurance agency, clients are under no obligation to purchase any recommended insurance products. S&P 500 Index is an unmanaged group of securities considered to be representative of the stock market in general. The Dow Jones Industrial Average is a price-weighted average of 30 significant stocks traded on the New York Stock Exchange and the NASDAQ. The DJIA was invented by Charles Dow back in 1896. The Nasdaq Composite is an index of the common stocks and similar securities listed on the NASDAQ stock market and is considered a broad indicator of the performance of stocks of technology companies and growth companies. The MSCI EAFE Index was created by Morgan Stanley Capital International (MSCI) that serves as a benchmark of the performance in major international equity markets as represented by 21 major MSCI indices from Europe, Australia, and Southeast Asia. The 10-year Treasury Note represents debt owed by the United States Treasury to the public. Since the U.S. Government is seen as a risk-free borrower, investors use the 10-year Treasury Note as a benchmark for the long-term bond market. You cannot directly invest in an index. Investing involves risk including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values. Diversification does not guarantee profit nor is it guaranteed to protect assets. Opinions expressed are subject to change without notice and are not intended as investment advice or to predict future performance. Past performance does not guarantee future results. Consult your financial professional before making any investment decision. Fixed income investments are subject to various risks including changes in interest rates, credit quality, inflation risk, market valuations, prepayments, corporate events, tax ramifications and other factors. Drake & Associates does not offer tax or legal advice.

Fixed mindset is limiting. Growth mindset is freedom. It expands, it evolves. This episode goes over 5 characteristics of the 2 different mindsets and how our mindset plays an important role in our success. Links & resources:To follow more info about the podcasthttps://www.instagram.com/levelup.debbieneal/Check out my personal instagram accounthttps://www.instagram.com/debbie_neal/Support this podcast:Please rate, review, subscribe and SHARE this podcast out, I will be eternally grateful!https://podcasts.apple.com/us/podcast/level-up-with-debbie-neal/id1552017731This Podcast is brought to you by Upstarter Podcast Network.

Now that the pandemic is (mostly) over, people are ready to go out and spend money again! On this episode, Jake and Kirk share some thrifty ways to spend your money. While it is true you get the quality you pay for, it is also true that there are a ton of money wasters out there. If you are purchasing anything from a small home appliance to a car, this is a good episode to learn from. *“Tax preparation, planning, IRS representation, and business valuation services offered through iFile Tax Planning and Preparation Services are separate and unrelated to Commonwealth.” Have questions about managing your financial lifestyle? Email Jake@youandifinancial.com and Jake Rivas may read your questions on the show! Follow Jake on Twitter and Facebook @jakestwocents Securities and advisory services offered through Commonwealth Financial Network, Member FINRA/SIPC, a Registered Investment Adviser. Fixed insurance products and services offered through CES Insurance Agency. Actual performance and results will vary. These interviews do not constitute a recommendation as to the suitability of any investment for any person or persons having circumstances similar to those portrayed. Consult a Financial Advisor regarding your specific circumstances. I*financial is located at 1901 NW Military Hwy. STE. 102. San Antonio, TX 78213. Phone number 210-342-4346

Weekly market commentary brought to you by Tony Drake, CFP® of Drake & Associates, LLC in Waukesha, Wisconsin. Find us at WealthWisconsin.com and weekly on WTMJ 620AM Saturdays at 1:00 pm on the Retirement Ready radio show. Investment advisory services provided by Drake & Associates, LLC, a State of Wisconsin registered investment adviser. Insurance products are offered through a separate company, LOFT Financial Advisory Group, LLC, a Wisconsin Insurance agency, clients are under no obligation to purchase any recommended insurance products. S&P 500 Index is an unmanaged group of securities considered to be representative of the stock market in general. The Dow Jones Industrial Average is a price-weighted average of 30 significant stocks traded on the New York Stock Exchange and the NASDAQ. The DJIA was invented by Charles Dow back in 1896. The Nasdaq Composite is an index of the common stocks and similar securities listed on the NASDAQ stock market and is considered a broad indicator of the performance of stocks of technology companies and growth companies. The MSCI EAFE Index was created by Morgan Stanley Capital International (MSCI) that serves as a benchmark of the performance in major international equity markets as represented by 21 major MSCI indices from Europe, Australia, and Southeast Asia. The 10-year Treasury Note represents debt owed by the United States Treasury to the public. Since the U.S. Government is seen as a risk-free borrower, investors use the 10-year Treasury Note as a benchmark for the long-term bond market. You cannot directly invest in an index. Investing involves risk including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values. Diversification does not guarantee profit nor is it guaranteed to protect assets. Opinions expressed are subject to change without notice and are not intended as investment advice or to predict future performance. Past performance does not guarantee future results. Consult your financial professional before making any investment decision. Fixed income investments are subject to various risks including changes in interest rates, credit quality, inflation risk, market valuations, prepayments, corporate events, tax ramifications and other factors. Drake & Associates does not offer tax or legal advice.

Owner of DoubleStack.net and Web Business Mentor and Coach, Lee Blue, shares his expertise on landing higher projects and better web design clients through “Solution Based Marketing.”In This Episode04:39 - Greetings to Lee07:05 - Coaching hands-on09:06 - Business strategy13:55 - Reverse engineering17:38 - Package skills upfront20:39 - Distinct marketing21:33 - Setting boundaries22:46 - Bundle up for niche26:33 - The premium pay 28:53 - Use what you learn30:22 - It's like dating36:00 - Alignment with audience37:41 - Outcome levels39:39 - Upstream mindset43:44 - Value pricing47:21 - Fixed price model50:29 - Reasonable expectations51:10 - Don't water down 56:33 - Reprioritize marketing58:16 - Email marketing is big1:03:56 - Finding Lee1:06:31 - Criteria to premiumGet all links, resources and show notes at:https://joshhall.co/125

https://vimeo.com/576781682/f1092da9f8 How To Build A Smart Financial Plan Transcript Producer: [00:00:30] Fixed annuities, including multiyear guaranteed rate annuities, are not designed for short term investments and may be subject to restrictions, fees and surrender charges as described in the annuity contract guarantees are backed by the financial strength and claims paying ability of the issuer. [...]

Back out in the world! We are so happy to see dental lab shows start up again because we miss recording face-to-face so much. Elvis was down at the Preat (https://preat.com/) booth at the Florida Dental Laboratory Association (https://www.fdla.net/)symposium last June. While working the booth, Elvis was able to chat with a few attendees. First up is Don Hebert CDT from Phoenix Dental Design (https://phoenixdentaldesigns.com/) talking about opening his own lab after being laid off during COVID. A great “rising from the ashes story”. Then we chat with Ricardo Marrero who is a young enthusiastic laboratory technician that is helping his dad run a satellite lab in North Carolina for a big lab in Florida called GPS Dental Lab (http://www.gpsdental.com/). And then, because we love to chat with the incoming president of the FDLA, Dory Sartoris from DCS Dental Lab (https://www.dcslab.com/) comes on to talk about how the post-covid show was and what the FDLA is working on to benefit the labs in Florida. Whip Mix (https://www.whipmix.com/)'s new Veriwash (https://www.whipmix.com/products/veriwash/) resin cleaning station is the ideal piece of equipment to use in the 3D printed resin post process. It's oscillating, multi-speed stirrer produces a tornado-like vortex every 30-seconds, and guarantees efficient, effective and powerful cleaning whether the units are individual or still attached to the build plate. The two alcohol baths make an effective step-wash system. It cleans more efficiently and there is less alcohol needed, since it is re-used for both a fresh bath and a dirty bath. The VeriWash's intelligent design offers features such as Mode, Time, and Start/Stop button display which gives the operator full and automatic control of the cleaning process. A mesh basket used in the wash container makes it easy to keep track of small printed parts when cleaning. The affordable unit's one-year warranty ensures peace-of-mind for the owner. Visit whipmix.com (https://www.whipmix.com/) or call (800) 626-5651 for more information about this great new product. Special Guests: Don Hebert CDT, Dory Sartoris, and Ricardo Marrero .

Join Adam Hetts as he speaks to Jim Cielinski, Global Head of Fixed Income, about the direction of inflation and some of the potential pitfalls in traditional “inflation protection” tools. Key takeaways Base effects are distorting inflation figures; a permanent rise in inflation likely requires a closing of the output gap and momentum in wage inflation. Treasury Inflation Protected Securities and floating rate securities may solve one type of risk but can open up investors to other under-appreciated risks; what's more investors are not absolved of the need to avoid overpaying. The world may be less synchronized exiting the pandemic, creating potential opportunities for active investors in emerging markets and across the credit spectrum. Important Information: The opinions and views expressed are as of the date published and are subject to change. They are for information purposes only and should not be used or construed as an offer to sell, a solicitation of an offer to buy, or a recommendation to buy, sell or hold any security, investment strategy or market sector. No forecasts can be guaranteed. Opinions and examples are meant as an illustration of broader themes, are not an indication of trading intent and may not reflect the views of others in the organization. It is not intended to indicate or imply that any illustration/example mentioned is now or was ever held in any portfolio. Janus Henderson Group plc through its subsidiaries may manage investment products with a financial interest in securities mentioned herein and any comments should not be construed as a reflection on the past or future profitability. There is no guarantee that the information supplied is accurate, complete, or timely, nor are there any warranties with regards to the results obtained from its use. Past performance is no guarantee of future results. Investing involves risk, including the possible loss of principal and fluctuation of value. Fixed income securities are subject to interest rate, inflation, credit and default risk. As interest rates rise, bond prices usually fall, and vice versa. High-yield bonds, or “junk” bonds, involve a greater risk of default and price volatility. Foreign securities, including sovereign debt, are subject to currency fluctuations, political and economic uncertainty and increased volatility and lower liquidity, all of which are magnified in emerging markets. Diversification neither assures a profit nor eliminates the risk of experiencing investment losses. Duration measures a bond price's sensitivity to changes in interest rates. The longer a bond's duration, the higher its sensitivity to changes in interest rates and vice versa. Janus Henderson is a trademark of Janus Henderson Group plc or one of its subsidiaries. © Janus Henderson Group plc. C-0721-38868 12-30-22

In motorcycle road racing your mind has to be completely "FIXED" on what you are doing. There is no room to think about anything else. In life...if you are not completely "FIXED" on God then everything else gets out of shape. 

Weekly market commentary brought to you by Tony Drake, CFP® of Drake & Associates, LLC in Waukesha, Wisconsin. Find us at WealthWisconsin.com and weekly on WTMJ 620AM Saturdays at 1:00 pm on the Retirement Ready radio show. Investment advisory services provided by Drake & Associates, LLC, a State of Wisconsin registered investment adviser. Insurance products are offered through a separate company, LOFT Financial Advisory Group, LLC, a Wisconsin Insurance agency, clients are under no obligation to purchase any recommended insurance products. S&P 500 Index is an unmanaged group of securities considered to be representative of the stock market in general. The Dow Jones Industrial Average is a price-weighted average of 30 significant stocks traded on the New York Stock Exchange and the NASDAQ. The DJIA was invented by Charles Dow back in 1896. The Nasdaq Composite is an index of the common stocks and similar securities listed on the NASDAQ stock market and is considered a broad indicator of the performance of stocks of technology companies and growth companies. The MSCI EAFE Index was created by Morgan Stanley Capital International (MSCI) that serves as a benchmark of the performance in major international equity markets as represented by 21 major MSCI indices from Europe, Australia, and Southeast Asia. The 10-year Treasury Note represents debt owed by the United States Treasury to the public. Since the U.S. Government is seen as a risk-free borrower, investors use the 10-year Treasury Note as a benchmark for the long-term bond market. You cannot directly invest in an index. Investing involves risk including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values. Diversification does not guarantee profit nor is it guaranteed to protect assets. Opinions expressed are subject to change without notice and are not intended as investment advice or to predict future performance. Past performance does not guarantee future results. Consult your financial professional before making any investment decision. Fixed income investments are subject to various risks including changes in interest rates, credit quality, inflation risk, market valuations, prepayments, corporate events, tax ramifications and other factors. Drake & Associates does not offer tax or legal advice.

In mid-June, Fed Chair Jay Powell pulled the rug from beneath the reflation trade by suggesting current inflation pressures were perhaps not transitory after all. Fixed income markets promptly reversed course with 10-year US Treasury yields last week trading as low as 1.25% after ending the first quarter at 1.70%. In this week's podcast, Olivier de Larouziere, chief investment officer fixed income, explains what remains of the 2021 reflation trade. Listen to the podcast with Olivier de Larouziere, chief investment officer fixed income.

Will the Minnesota Vikings go 12-5 or 5-12? Is the offensive line FIXED? And should the Vikings bring in Larry Fitzgerald?! Guest listener Josh from Denver joins Declan for Vent Line!

https://vimeo.com/572824792/1aca7f6142 Active Wealth Show Transcription: Producer: [00:00:00] Fixed annuities, including multi-year guaranteed rate annuities, are not designed for short term investments and may be subject to restrictions, fees and surrender charges as described in the annuity contract guarantees are backed by the financial strength and claims paying ability of the issuer. Any examples used are [...]

During this episode we discuss how running your personal finances like a business makes sense. It's accounting 101, using the two main reports for any business. Balance Sheet and Income Statement (P&L). The same applies to your personal finances.

It's Donna's first trip on the TARDIS, so of course, the Doctor takes her to the past. Of course, it can't just be a routine trip, and soon the Doctor and Donna find themselves in the middle of a crisis that could alter one of those FIXED points in time.Series 4 - Episode 2 - The Fires of Pompeii.There's some heavy stuff happening in this week's episode, so I enlist the help of not one but two of my Whovian experts to untangle the implications of this week's adventure. Ashley Martin and Jennie Fay Berry help me figure out what is happening in Pompeii.To support the show, visit my Patreon site at:www.patreon.com/daniellevainYou can also support the show by checking out our merchandise at:https://www.cgbeast.com/first-time-lord-merchSubscribe to First Time Lord using your favorite podcasting software or use the links below:Apple PodcastSpotifyGoogle Podcast

Weekly market commentary brought to you by Tony Drake, CFP® of Drake & Associates, LLC in Waukesha, Wisconsin. Find us at WealthWisconsin.com and weekly on WTMJ 620AM Saturdays at 1:00 pm on the Retirement Ready radio show. Investment advisory services provided by Drake & Associates, LLC, a State of Wisconsin registered investment adviser. Insurance products are offered through a separate company, LOFT Financial Advisory Group, LLC, a Wisconsin Insurance agency, clients are under no obligation to purchase any recommended insurance products. S&P 500 Index is an unmanaged group of securities considered to be representative of the stock market in general. The Dow Jones Industrial Average is a price-weighted average of 30 significant stocks traded on the New York Stock Exchange and the NASDAQ. The DJIA was invented by Charles Dow back in 1896. The Nasdaq Composite is an index of the common stocks and similar securities listed on the NASDAQ stock market and is considered a broad indicator of the performance of stocks of technology companies and growth companies. The MSCI EAFE Index was created by Morgan Stanley Capital International (MSCI) that serves as a benchmark of the performance in major international equity markets as represented by 21 major MSCI indices from Europe, Australia, and Southeast Asia. The 10-year Treasury Note represents debt owed by the United States Treasury to the public. Since the U.S. Government is seen as a risk-free borrower, investors use the 10-year Treasury Note as a benchmark for the long-term bond market. You cannot directly invest in an index. Investing involves risk including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values. Diversification does not guarantee profit nor is it guaranteed to protect assets. Opinions expressed are subject to change without notice and are not intended as investment advice or to predict future performance. Past performance does not guarantee future results. Consult your financial professional before making any investment decision. Fixed income investments are subject to various risks including changes in interest rates, credit quality, inflation risk, market valuations, prepayments, corporate events, tax ramifications and other factors. Drake & Associates does not offer tax or legal advice.

When you hear the term ‘mindset' what do you think of?  I immediately think of MLMs, Tony Robins and On Being a God in Central Florida. Oprah springs to mind too.  The mindset ‘industry' - yep that's a thing - is rife with sharks, privilege, classism and ableism. This doesn't mean that mindset training isn't useful, it's just important to proceed with empathy and caution in this space.  On that note, this week I'm dissecting the construct of Growth vs Fixed mindset and whether our fixed mindsets are holding us back from being extraordinary.  Hint: Your fixed mindset is probably holding you back. I know mine is.  If you're interested in anything you heard about on today's show just click here for the show notes.  This week's bonus is a 3 Month Mastering Your Mindset Workbook that's available on Patreon. Just join for $5 US or $7 Australian to grab your copy - you will also get access to all of my other workbooks, guides and resources lists.  See omnystudio.com/listener for privacy information.

Founder of the Day Rate Mastery Program, Sarah Masci shares how offering Day Rates, opposed to Fixed or Hourly Retainers changed her business and life.In This Episode03:32 - Welcome to Sarah06:43 - Growing pains10:05 - Beginning of Day Rate12:48 - Billing premium 18:11 - Never promise19:30 - Clients being available22:02 - Start with a day24:47 - Long projects or short27:08 - Recurring income30:46 - Going separate ways33:16 - Clients that do day rate35:56 - Difference in clients37:48 - Returning clients41:20 - Perceived value44:51 - Simplicity and freedom50:05 - Clear framework52:32 - Where to find Sarah53:31 - Test it on current Get all links, resources and show notes at:https://joshhall.co/122

Numbers are rational and humans are irrational. Right? In this episode Jake and Kirk talk about how using a numbers only approach to your finances can be just as bad as using an emotions only approach to your finances. So how do you navigate through this maze? Tune into the show to hear Jake and Kirk give you some tips and advice. *“Tax preparation, planning, IRS representation, and business valuation services offered through iFile Tax Planning and Preparation Services are separate and unrelated to Commonwealth.” Have questions about managing your financial lifestyle? Email Jake@youandifinancial.com and Jake Rivas may read your questions on the show! Follow Jake on Twitter and Facebook @jakestwocents Securities and advisory services offered through Commonwealth Financial Network, Member FINRA/SIPC, a Registered Investment Adviser. Fixed insurance products and services offered through CES Insurance Agency. Actual performance and results will vary. These interviews do not constitute a recommendation as to the suitability of any investment for any person or persons having circumstances similar to those portrayed. Consult a Financial Advisor regarding your specific circumstances. I*financial is located at 1901 NW Military Hwy. STE. 102. San Antonio, TX 78213. Phone number 210-342-4346

FIXED had a setting wrong on the main track derp once again blame the heat frying  my poor brain.   After returning to their room our magistrates are once again met with letters. Are these haikus sinister threats or something more benign! We are a Fantasy Horror podcast that takes place in Rokugan the world of Legend of the Five Rings. Uses Edge Studio's Version. Twitter @sojpodrpg  Email: sojpodrpg@gmail.com   Discord: https://discord.gg/bpme5NJ Facebook: https://facebook.com/sojpodrpg The winner is NerdExplorer @explorer_nerd on twitter. Check your DMs.

Fixed the audio so it is better than the last one, just like you trying the figure this out, I am trying to figure out audio and recordings so thanks for hanging in there with me on this adventure. This one I get into Side Hustles and the hidden dangers that lurk around you trying to entice you to fail, I talked about working on being better this last half of 2021 and some things I am going to try to better as well to finish up this year. As always if you have comments, questions or if you think I am full of it, email me at nitropwerhour@gmail.com

PRODUCT OVERVIEW ✔ Transitional, value-add and event-driven real estate opportunities ✔ Highly structured loan solutions ✔ Financing customized to borrower business plan ✔ Loan size: up to 80% of project cost, 85% senior stretch deal-specific ✔ Term: floating rate up to five years including extensions ✔ Prepayment: minimum interest ✔ Future Funding: Capex, TI/LC, earnouts, interest, and operating reserves ✔ Fixed and fixed/floating hybrid loan solutions Interested? If you want to learn more about these types of bridge loans, book a meeting with me here - https://calendly.com/beaueckstein/15-minute-meeting-emerge-lending

Jenn Finally Fixed Her iTunes! 06/30/2021

Welcome to season 2 of "Until It's Fixed.” Join new hosts Stacey Dove and Callie Chamberlain for a fresh set of conversations on health care innovation. Hear from advocates and experts tackling the issues and working to create a healthier world by rethinking how we deliver care and manage health.

Weekly market commentary brought to you by Tony Drake, CFP® of Drake & Associates, LLC in Waukesha, Wisconsin. Find us at WealthWisconsin.com and weekly on WTMJ 620AM Saturdays at 1:00 pm on the Retirement Ready radio show. Investment advisory services provided by Drake & Associates, LLC, a State of Wisconsin registered investment adviser. Insurance products are offered through a separate company, LOFT Financial Advisory Group, LLC, a Wisconsin Insurance agency, clients are under no obligation to purchase any recommended insurance products. S&P 500 Index is an unmanaged group of securities considered to be representative of the stock market in general. The Dow Jones Industrial Average is a price-weighted average of 30 significant stocks traded on the New York Stock Exchange and the NASDAQ. The DJIA was invented by Charles Dow back in 1896. The Nasdaq Composite is an index of the common stocks and similar securities listed on the NASDAQ stock market and is considered a broad indicator of the performance of stocks of technology companies and growth companies. The MSCI EAFE Index was created by Morgan Stanley Capital International (MSCI) that serves as a benchmark of the performance in major international equity markets as represented by 21 major MSCI indices from Europe, Australia, and Southeast Asia. The 10-year Treasury Note represents debt owed by the United States Treasury to the public. Since the U.S. Government is seen as a risk-free borrower, investors use the 10-year Treasury Note as a benchmark for the long-term bond market. You cannot directly invest in an index. Investing involves risk including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values. Diversification does not guarantee profit nor is it guaranteed to protect assets. Opinions expressed are subject to change without notice and are not intended as investment advice or to predict future performance. Past performance does not guarantee future results. Consult your financial professional before making any investment decision. Fixed income investments are subject to various risks including changes in interest rates, credit quality, inflation risk, market valuations, prepayments, corporate events, tax ramifications and other factors. Drake & Associates does not offer tax or legal advice.

In this midyear episode, Schwab experts look ahead to consider what investors might expect in the second half of 2021. First, Mark talks with Liz Ann Sonders, Schwab's chief investment strategist. Liz Ann offers her perspective on the direction of the U.S. economy and stock market. Then, Jeffrey Kleintop —Schwab's chief global investment strategist—joins the show and examines what the remainder of 2021 might hold for the global economy and markets now that the recovery is seemingly over. Next, Mark speaks with Kathy Jones, Schwab's chief fixed income strategist. Kathy looks at what bond investors might expect from the Federal Reserve and fixed income assets in the remainder of what's already been a rollercoaster year for bonds. Finally, Mike Townsend, Schwab's vice president of legislative and regulatory affairs, offers his outlook for what legislative and tax policy changes are likely to pass or take effect in the coming months.Financial Decoder is an original podcast from Charles Schwab. For more on the series, visit schwab.com/financialdecoder.If you enjoy the show, please leave a ★★★★★ rating or review on Apple Podcasts. Important Disclosures:The information provided here is for general informational purposes only and should not be considered an individualized recommendation or personalized investment advice. The investment strategies mentioned here may not be suitable for everyone. Each investor needs to review an investment strategy for his or her own particular situation before making any investment decision.All expressions of opinion are subject to change without notice in reaction to shifting market conditions. Data contained herein from third-party providers is obtained from what are considered reliable sources. However, its accuracy, completeness or reliability cannot be guaranteed.Supporting documentation for any claims or statistical information is available upon request.The policy analysis provided by the Charles Schwab & Co., Inc., does not constitute and should not be interpreted as an endorsement of any political party.Diversification and rebalancing a portfolio cannot ensure a profit or protect against a loss in any given market environment. Rebalancing may cause investors to incur transaction costs and, when rebalancing a non-retirement account, taxable events may be created that may affect your tax liability. Examples provided are for illustrative purposes only and not intended to be reflective of results you can expect to achieve.Forecasts contained herein are for illustrative purposes only, may be based upon proprietary research and are developed through analysis of historical public data.Investing involves risk including loss of principal.Past performance is no guarantee of future results and the opinions presented cannot be viewed as an indicator of future performance.Fixed income securities are subject to increased loss of principal during periods of rising interest rates. Fixed income investments are subject to various other risks including changes in credit quality, market valuations, liquidity, prepayments, early redemption, corporate events, tax ramifications and other factors. Lower rated securities are subject to greater credit risk, default risk, and liquidity risk.Tax-exempt bonds are not necessarily a suitable investment for all persons. Information related to a security's tax-exempt status (federal and in-state) is obtained from third-parties and Schwab does not guarantee its accuracy. Tax-exempt income may be subject to the Alternative Minimum Tax (AMT). Capital appreciation from bond funds and discounted bonds may be subject to state or local taxes. Capital gains are not exempt from federal income tax.International investments involve additional risks, which include differences in financial accounting standards, currency fluctuations, geopolitical risk, foreign taxes and regulations, and the potential for illiquid markets. Investing in emerging markets may accentuate these risks.Indexes are unmanaged, do not incur management fees, costs and expenses and cannot be invested in directly. For more information on indexes please see www.schwab.com/indexdefinitions.Currencies are speculative, very volatile and are not suitable for all investors.A bond ladder, depending on the types and amount of securities within the ladder, may not ensure adequate diversification of your investment portfolio. This potential lack of diversification may result in heightened volatility of the value of your portfolio. You must perform your own evaluation of whether a bond ladder and the securities held within it are consistent with your investment objective, risk tolerance and financial circumstances.Periodic investment plans (dollar-cost-averaging) do not assure a profit and do not protect against loss in declining markets.All corporate names are for illustrative purposes only and are not a recommendation, offer to sell, or a solicitation of an offer to buy any security.Digital currencies, such as bitcoin, are highly volatile and not backed by any central bank or government. Digital currencies lack many of the regulations and consumer protections that legal-tender currencies and regulated securities have. Due to the high level of risk, investors should view Bitcoin as a purely speculative instrument.(0621-169C)

Jake and Kirk discuss the new trends in Texas Real Estate, with a focus on San Antonio. You may have heard about the outrageous bids on houses, many times over the asking price. What is causing this? How long can it last? And what long-term effects might it have on the market?   *“Tax preparation, planning, IRS representation, and business valuation services offered through iFile Tax Planning and Preparation Services are separate and unrelated to Commonwealth.” Have questions about managing your financial lifestyle? Email Jake@youandifinancial.com and Jake Rivas may read your questions on the show! Follow Jake on Twitter and Facebook @jakestwocents Securities and advisory services offered through Commonwealth Financial Network, Member FINRA/SIPC, a Registered Investment Adviser. Fixed insurance products and services offered through CES Insurance Agency. Actual performance and results will vary. These interviews do not constitute a recommendation as to the suitability of any investment for any person or persons having circumstances similar to those portrayed. Consult a Financial Advisor regarding your specific circumstances. I*financial is located at 1901 NW Military Hwy. STE. 102. San Antonio, TX 78213. Phone number 210-342-4346

During this episode, we're going to discuss the steps you should take if you need to help your retired or nearly-retied parents, with their finances and financial strategy. We'll also examine how some of the things you learn while working with your parents may improve your own finances.

When we think of a Mindset, most people associate that with the different ways that people think and behave to process their thoughts to live their daily lives. A person's mindset is usually a set of beliefs, methods, or ideas to establish an individual personal pathway, philosophy of life and/or how they view the world. Your Mindset declaration to being “Growth” or “Fixed” is your recognition of the set of learned behaviors that outline your philosophy of life and is an ongoing journey. Establishing and learning a Mindset Continuum simplifies the journey by understanding how to develop a pathway to becoming progressively more growth-oriented in your Mindset. Welcome to this week's TIME OUT and the Mindset Continuum… what is it and how to leverage it… Thanks for tuning in… Enjoy…!

Fixed income is a hundred trillion dollar industry that's crucial to our existing financial world. Why hasn't fixed income taken off in DeFi yet? Is it the next big opportunity in crypto?TN (@TN_Pendle), founder of Pendle Finance, joins us in discussing:Current landscape of fixed income in DeFiHow Pendle tokenizes DeFi yieldThe interest rate market opportunity in DeFiProduct market fit for yield protocolsHost: Jason Choi (@MrJasonChoi). This show is not financial advice; show host and guest may hold some of the assets discussed.SponsorsPERPETUAL PROTOCOL is a fully on-chain exchange built on Ethereum and xDai that allows you to go long or short with up to 10x leverage. Also, they have just released zero-gas-deposits in addition to their near zero gas fees for trading. Visit perp.exchange/blockcrunch today to start trading.FIGMENT: If you have crypto that you want to stake and want to manage it in one place, Figment supports 30 blockchains including Ethereum, Polkadot and Solana. Figment supports both funds and individual investors. figment.ioSOLANA: The Solana ecosystem is growing at a rapid pace and it's a great place to build your project or get involved with the community. Go to solana.com/blockcrunch to learn more!DisclosuresMusical credits: Underground Stars by Loxbeats https://spoti.fi/34tPBBO Creative Commons '" Attribution 3.0 Unported '" CC BY 3.0 Free Download /Stream: https://bit.ly/underground-stars Music promoted by Audio Library https://youtu.be/vpJDMD2EzkA Disclaimer: Jason Choi is a General Partner at Spartan Capital, a subsidiary of The Spartan Group. All opinions expressed by Jason and podcast guests are solely their own opinions and do not reflect the opinion of The Spartan Group and any of its subsidiaries and personnel. This podcast is for information purposes only and should not be relied upon as a basis for investment decisions.

Fixed income is a hundred trillion dollar industry that's crucial to our existing financial world. Why hasn't fixed income taken off in DeFi yet? Is it the next big opportunity in crypto? TN (@TN_Pendle), founder of Pendle Finance, joins us in discussing: Current landscape of fixed income in DeFi How Pendle tokenizes DeFi yield The interest rate market opportunity in DeFi Product market fit for yield protocols Host: Jason Choi (@MrJasonChoi). This show is not financial advice; show host and guest may hold some of the assets discussed. ------------- Sponsors ------------- PERPETUAL PROTOCOL is a fully on-chain exchange built on Ethereum and xDai that allows you to go long or short with up to 10x leverage. Also, they have just released zero-gas-deposits in addition to their near zero gas fees for trading. Visit perp.exchange/blockcrunch today to start trading. FIGMENT: If you have crypto that you want to stake and want to manage it in one place, Figment supports 30 blockchains including Ethereum, Polkadot and Solana. Figment supports both funds and individual investors. figment.io SOLANA: The Solana ecosystem is growing at a rapid pace and it's a great place to build your project or get involved with the community. Go to solana.com/blockcrunch to learn more! ------------- Disclosures ------------- Musical credits: Underground Stars by Loxbeats https://spoti.fi/34tPBBO Creative Commons — Attribution 3.0 Unported — CC BY 3.0 Free Download / Stream: https://bit.ly/underground-stars Music promoted by Audio Library https://youtu.be/vpJDMD2EzkA Disclaimer: Jason Choi is a General Partner at Spartan Capital, a subsidiary of The Spartan Group. All opinions expressed by Jason and podcast guests are solely their own opinions and do not reflect the opinion of The Spartan Group and any of its subsidiaries and personnel. This podcast is for information purposes only and should not be relied upon as a basis for investment decisions.

Weekly market commentary brought to you by Tony Drake, CFP® of Drake & Associates, LLC in Waukesha, Wisconsin. Find us at WealthWisconsin.com and weekly on WTMJ 620AM Saturdays at 1:00 pm on the Retirement Ready radio show. Investment advisory services provided by Drake & Associates, LLC, a State of Wisconsin registered investment adviser. Insurance products are offered through a separate company, LOFT Financial Advisory Group, LLC, a Wisconsin Insurance agency, clients are under no obligation to purchase any recommended insurance products. S&P 500 Index is an unmanaged group of securities considered to be representative of the stock market in general. The Dow Jones Industrial Average is a price-weighted average of 30 significant stocks traded on the New York Stock Exchange and the NASDAQ. The DJIA was invented by Charles Dow back in 1896. The Nasdaq Composite is an index of the common stocks and similar securities listed on the NASDAQ stock market and is considered a broad indicator of the performance of stocks of technology companies and growth companies. The MSCI EAFE Index was created by Morgan Stanley Capital International (MSCI) that serves as a benchmark of the performance in major international equity markets as represented by 21 major MSCI indices from Europe, Australia, and Southeast Asia. The 10-year Treasury Note represents debt owed by the United States Treasury to the public. Since the U.S. Government is seen as a risk-free borrower, investors use the 10-year Treasury Note as a benchmark for the long-term bond market. You cannot directly invest in an index. Investing involves risk including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values. Diversification does not guarantee profit nor is it guaranteed to protect assets. Opinions expressed are subject to change without notice and are not intended as investment advice or to predict future performance. Past performance does not guarantee future results. Consult your financial professional before making any investment decision. Fixed income investments are subject to various risks including changes in interest rates, credit quality, inflation risk, market valuations, prepayments, corporate events, tax ramifications and other factors. Drake & Associates does not offer tax or legal advice.

We talked about inflation a couple of weeks ago and now the Fed has met again and they have commented on where we might be headed. In this episode Jeff talks about ways to hedge against inflation and what that could mean to you.

Americans have recently paid off big chunks of their credit card bills, and it seems as though this trend may continue. Banks are starting to lose revenue. This means that banks are searching for ways to actively increase your credit card maximum. The more you have and the more you spend, the more likely you will hold a balance, and thus have interest rates. Jake Rivas gives advice on dealing with this and how to ensure your financial success given this new trend. *“Tax preparation, planning, IRS representation, and business valuation services offered through iFile Tax Planning and Preparation Services are separate and unrelated to Commonwealth.” Have questions about managing your financial lifestyle? Email Jake@youandifinancial.com and Jake Rivas may read your questions on the show! Follow Jake on Twitter and Facebook @jakestwocents Securities and advisory services offered through Commonwealth Financial Network, Member FINRA/SIPC, a Registered Investment Adviser. Fixed insurance products and services offered through CES Insurance Agency. Actual performance and results will vary. These interviews do not constitute a recommendation as to the suitability of any investment for any person or persons having circumstances similar to those portrayed. Consult a Financial Advisor regarding your specific circumstances. I*financial is located at 1901 NW Military Hwy. STE. 102. San Antonio, TX 78213. Phone number 210-342-4346

On this episode of WashingtonWise Investor, Mike and Liz Ann Sonders, Schwab's chief investment strategist, dig into where we are with inflation, including the root causes of the current spike in prices, where things are starting to ease, and what may lie ahead. They focus on the potential impact of job and wage growth on the economy and inflation as small businesses begin to reopen, bonus unemployment insurance ends, and more women return to the workforce. And they also look for areas of opportunity for investors in the markets, exploring the factors of growth and value.Mike also discusses the latest efforts to wrangle an infrastructure bill through Congress, an ambitious plan to overhaul the equity markets outlined by SEC Chairman Gary Gensler, and stepped-up efforts in the House of Representatives to crack down on big tech companies over anti-trust issues. WashingtonWise Investor is an original podcast from Charles Schwab. For more on the series, visit Schwab.com/WashingtonWise.If you enjoy the show, please leave a ★★★★★ rating or review on Apple Podcasts. Important DisclosuresThe information provided here is for general informational purposes only and should not be considered an individualized recommendation or personalized investment advice. The investment strategies mentioned here may not be suitable for everyone. Each investor needs to review an investment strategy for his or her own particular situation before making any investment decision. All expressions of opinion are subject to change without notice in reaction to shifting market conditions. Data contained herein from third-party providers is obtained from what are considered reliable sources. However, its accuracy, completeness or reliability cannot be guaranteed. The policy analysis provided by the Charles Schwab & Co., Inc., does not constitute and should not be interpreted as an endorsement of any political party.Investing involves risk, including loss of principal. Indexes are unmanaged, do not incur management fees, costs and expenses and cannot be invested in directly. For more information on indexes please see www.schwab.com/indexdefinitions.Past performance is no guarantee of future results and the opinions presented cannot be viewed as an indicator of future performance.All corporate names are for illustrative purposes only and are not a recommendation, offer to sell, or a solicitation of an offer to buy any security.Fixed income securities are subject to increased loss of principal during periods of rising interest rates. Fixed income investments are subject to various other risks including changes in credit quality, market valuations, liquidity, prepayments, early redemption, corporate events, tax ramifications and other factors. Lower rated securities are subject to greater credit risk, default risk, and liquidity risk.Small cap investments are subject to greater volatility than those in other asset categories.Commodity-related products carry a high level of risk and are not suitable for all investors. Commodity-related products may be extremely volatile, illiquid and can be significantly affected by underlying commodity prices, world events, import controls, worldwide competition, government regulations, and economic conditions.Since a sector fund is typically not diversified and focuses its investments on companies involved in a specific sector, the fund may involve a greater degree of risk than an investment in other mutual funds with greater diversification.0621-16H4

In this episode, Traci explains the difference between the Fixed and Growth mindset and introduces you to the Stagnant mindset.  Which one are you? How do you grow from a stagnant mindset? How do growth-minded people stop judging fixed-minded people?  How do you take action when you feel stuck in the mud? How do stagnant or growth-minded people overcome imposter syndrome? All of your questions are answered in this podcast.  Enjoy!

Weekly market commentary brought to you by Tony Drake, CFP® of Drake & Associates, LLC in Waukesha, Wisconsin. Find us at WealthWisconsin.com and weekly on WTMJ 620AM Saturdays at 1:00 pm on the Retirement Ready radio show. Investment advisory services provided by Drake & Associates, LLC, a State of Wisconsin registered investment adviser. Insurance products are offered through a separate company, LOFT Financial Advisory Group, LLC, a Wisconsin Insurance agency, clients are under no obligation to purchase any recommended insurance products. S&P 500 Index is an unmanaged group of securities considered to be representative of the stock market in general. The Dow Jones Industrial Average is a price-weighted average of 30 significant stocks traded on the New York Stock Exchange and the NASDAQ. The DJIA was invented by Charles Dow back in 1896. The Nasdaq Composite is an index of the common stocks and similar securities listed on the NASDAQ stock market and is considered a broad indicator of the performance of stocks of technology companies and growth companies. The MSCI EAFE Index was created by Morgan Stanley Capital International (MSCI) that serves as a benchmark of the performance in major international equity markets as represented by 21 major MSCI indices from Europe, Australia, and Southeast Asia. The 10-year Treasury Note represents debt owed by the United States Treasury to the public. Since the U.S. Government is seen as a risk-free borrower, investors use the 10-year Treasury Note as a benchmark for the long-term bond market. You cannot directly invest in an index. Investing involves risk including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values. Diversification does not guarantee profit nor is it guaranteed to protect assets. Opinions expressed are subject to change without notice and are not intended as investment advice or to predict future performance. Past performance does not guarantee future results. Consult your financial professional before making any investment decision. Fixed income investments are subject to various risks including changes in interest rates, credit quality, inflation risk, market valuations, prepayments, corporate events, tax ramifications and other factors. Drake & Associates does not offer tax or legal advice.

Since the financial crisis of 2008, the Federal Reserve has engaged in a great experiment: They are testing whether massive amounts of new money can heal the damage from macroeconomic catastrophes, such as the financial crisis and the COVID-19 pandemic. For years, investors have asked persistent questions about the likelihood of high inflation and how to help protect a portfolio against it.In this episode, Mark speaks with Kathy Jones, Schwab's chief fixed income strategist. They discuss the history of inflation in the U.S. economy—including the gold standard and the key players at the Federal Reserve—as well as hyperinflation and recent fears of rising prices.Financial Decoder is an original podcast from Charles Schwab.To learn more, visit Schwab.com/FinancialDecoder.If you enjoy the show, please leave a ★★★★★ rating or review on Apple Podcasts.  Important Disclosures:Investors should consider carefully information contained in the prospectus or, if available, the summary prospectus, including investment objectives, risks, charges, and expenses. Please read it carefully before investing.The information provided here is for general informational purposes only and should not be considered an individualized recommendation or personalized investment advice. The investment strategies mentioned here may not be suitable for everyone. Each investor needs to review an investment strategy for his or her own particular situation before making any investment decision. All expressions of opinion are subject to change without notice in reaction to shifting market conditions. Data contained herein from third-party providers is obtained from what are considered reliable sources. However, its accuracy, completeness or reliability cannot be guaranteed. Supporting documentation for any claims or statistical information is available upon request.Examples provided are for illustrative purposes only and not intended to be reflective of results you can expect to achieve.Investing involves risk including loss of principal.Past performance is no guarantee of future results and the opinions presented cannot be viewed as an indicator of future performance.Fixed income securities are subject to increased loss of principal during periods of rising interest rates. Fixed income investments are subject to various other risks including changes in credit quality, market valuations, liquidity, prepayments, early redemption, corporate events, tax ramifications and other factors. Lower rated securities are subject to greater credit risk, default risk, and liquidity risk.Treasury Inflation Protected Securities (TIPS) are inflation-linked securities issued by the US Government whose principal value is adjusted periodically in accordance with the rise and fall in the inflation rate. Thus, the dividend amount payable is also impacted by variations in the inflation rate, as it is based upon the principal value of the bond. It may fluctuate up or down. Repayment at maturity is guaranteed by the US Government and may be adjusted for inflation to become the greater of the original face amount at issuance or that face amount plus an adjustment for inflation.Apple Podcasts and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries.Google Podcasts and the Google Podcasts logo are trademarks of Google LLC.Spotify and the Spotify logo are registered trademarks of Spotify AB.(0621-1RRY)

To talk more in-depth at some of the trends that mutual fund managers are considering for the future, we brought on Kevin Moore, principal advisor at I*financial (Jake's CFP firm). Kevin has also worked as a mutual fund manager, so he provides unique insights into how the investing world considers these trends and why you should too.   *“Tax preparation, planning, IRS representation, and business valuation services offered through iFile Tax Planning and Preparation Services are separate and unrelated to Commonwealth.” Have questions about managing your financial lifestyle? Email Jake@youandifinancial.com and Jake Rivas may read your questions on the show! Follow Jake on Twitter and Facebook @jakestwocents Securities and advisory services offered through Commonwealth Financial Network, Member FINRA/SIPC, a Registered Investment Adviser. Fixed insurance products and services offered through CES Insurance Agency. Actual performance and results will vary. These interviews do not constitute a recommendation as to the suitability of any investment for any person or persons having circumstances similar to those portrayed. Consult a Financial Advisor regarding your specific circumstances. I*financial is located at 1901 NW Military Hwy. STE. 102. San Antonio, TX 78213. Phone number 210-342-4346

In March 2021, a year after the official beginning of the COVID-19 pandemic, the fully Democratic Party controlled Congress sent President Joe Biden their version of a COVID relief bill to sign, a bill that was rejected by the entire Republican Party. In this episode, examine the new law in detail to learn how it could help you and to judge whether this new law was something you would have liked your representatives in Congress to support. Please Support Congressional Dish – Quick Links Click here to contribute monthly or a lump sum via PayPal Click here to support Congressional Dish via Patreon (donations per episode) Send Zelle payments to: Donation@congressionaldish.com Send Venmo payments to: @Jennifer-Briney Send Cash App payments to: $CongressionalDish or Donation@congressionaldish.com Use your bank’s online bill pay function to mail contributions to: 5753 Hwy 85 North, Number 4576, Crestview, FL 32536 Please make checks payable to Congressional Dish Thank you for supporting truly independent media! Recommended Episodes CD213: CARES Act - The Trillions for COVID-19 Law CD161: Veterans Choice Program American Rescue Plan Outline House vote 1 House vote 2 Senate vote Text The American Rescue Plan Act of 2021 TITLE I - COMMITTEE ON AGRICULTURE, NUTRITION, AND FORESTRY Subtitle A - Agriculture Sec. 1001: Food Supply Chain and Agriculture Pandemic Response Appropriates $4 billion for food purchases and grants for food suppliers to protect their workers from COVID Sec. 1002: Emergency Rural Development Grants For Rural Health Care Appropriates $500 million for "emergency pilot program" grants to impoverished rural communities to help them distribute vaccines with infrastructure and staffing, give them medical supplies, reimburse them for lost revenue. The program has to be in operation by mid-August 2021. Sec. 1005: Farm Loan Assistance for Socially Disadvantaged Farmers and Ranchers Provides "such sums as may be necessary" for the Secretary of Agriculture (Tom Vilsack) to give "socially disadvantaged farmers and ranchers" payments covering "up to 120% of the outstanding indebtedness" as of January 1, 2021, which will pay off loans they received from the Farm Service Agency or Commodity Credit Corporation and loans guaranteed by the Department of Agriculture. "Socially disadvantaged farmers" are farmers or ranchers who "have been subjected to racial or ethnic prejudice because of their identity as members of a group without regard to their individual qualities." Subtitle B - Nutrition Sec. 1101: Supplemental Nutrition Assistance Program Extends food assistance benefits provided by the Coronabus from June 30, 2021 to September 30, 2021 and appropriates an additional $1.15 billion. Sec. 1103: Additional Funding For Nutrition Assistance Programs Provides $1 billion in food assistance benefits to be split among the territories, which they will have until September 30, 2027 to use. Sec. 1105: Improvements to WIC Benefits Allows, but does not require, the Secretary of Agriculture to increase the amount of WIC benefits by $35 until July 11, 2021, if requested by the states. Appropriates $490 million. Sec. 1108: Pandemic EBT Program The Family's First Coronavirus Response Act said that during 2020 and 2021, if a school is closed for more than 5 consecutive days under a public health emergency designation, families of children who are eligible for free or discounted school lunches will be able to get benefits valued at least as much as the school meals, to be distributed via the food stamp program, with money on EBT cards. This changes the dates so that it's valid "in any school year in which there is a public health emergency declaration" or "in a covered summer period following a school session" which will allow the state to continue the benefits for 90 days so that kids can continue to receive the meal credits during the emergency summers. TITLE II - COMMITTEE ON HEALTH, LABOR, AND PENSIONS Subtitle A - Education Matters Part 1 - Department of Education Sec. 2001: Elementary and Secondary School Emergency Relief Fund Appropriates over $122.7 billion, which can be used through September 30, 2023, for grants to the states. 90% of the money has to be given to local education agencies, including charter schools. 20% of the money needs to be used to address learning loss, via summer programs and extended school days and school years. The rest of the money can be spent at the local agencies discretion for activities they're already authorized to use Federal tax money for and to fund measures needed to protect students and staff from COVID. Any money not used must be returned to the Secretary of Education after one year. Sec. 2002: Emergency Assistance to Non-Public Schools Appropriates $2.75 billion, which can be used through September 30, 2023, for private schools that "enroll a significant percentage of low-income students and are most impacted by the qualifying emergency." Sec. 2003: Higher Education Emergency Relief Fund Appropriates $39.5 billion, which can be used through September 30, 2023, for colleges and universities. Part 2 - Miscellaneous Sec. 2021: National Endowment for the Arts Appropriates $135 million for the National Endowment for the Arts Sec. 2022: National Endowment for the Humanities Appropriates $135 million for the National Endowment for the Humanities Sec. 2023: Institute of Museum and Library Services Appropriates $200 million for the Institute of Museum and Library Services Subtitle B - Labor Matters Sec. 2101: Funding for Department of Labor Worker Protection Activities Appropriates $200 million, with half of that going to OSHA. Only $5 million is required to be spent on "enforcement activities related to COVID-19 at high risk workplaces" Subtitle C - Human Services and Community Supports Sec. 2201: Child Care and Development Block Grant Program Appropriates almost $15 billion, which has to be used before September 30, 2021, for the Child Care and Development Block Grant Program, which gives money to states for child care for low income families with children under the age of 13. States are authorized to provide child care funding to health care employees, emergency responders, and "other workers deemed essential" regardless of their income levels during the emergency period. Sec. 2202: Child Care Stabilization Appropriates almost $24 billion for states to give to child care providers, regardless of any other federal money they have received. The grant will be determined by the child care provider's operating expenses and can be used to pay for employee salaries, benefits, and recruitment; rent or mortages; PPE and training; and mental health support for children or employees. Subtitle D - Public Health Sec. 2301: Funding for COVID-19 Vaccine Activities at the Centers for Disease Control and Prevention Appropriates $7.5 billion for the Centers for Disease Control and Prevention to plan, prepare for, promote, distribute, administer, monitor, and track COVID-19 vaccines. Sec. 2302: Funding for Vaccine Confidence Activities Appropriates $1 billion, that does not expire, for the Centers for Disease Control and Prevention for activities "to strengthen vaccine confidence in the United States" in order to "improve rates of vaccination throughout the United States" Sec. 2303: Funding for Supply Chain for COVID-19 Vaccines, Therapeutics, and Medical Supplies Appropriates a little over $6 billion, which does not expire, "for necessary expenses with respect to research, development, manufacturing, production, and the purchase of vaccines, therapeutics, and ancillary medical products" to prevent and respond to COVID and "any disease with potential for creating a pandemic." Sec. 2305: Reduced Cost-Sharing Expands subsidies for health insurance provided by the Affordable Care Act to anyone who has been approved for unemployment insurance in 2021, and their subsidy level will be determined as if they didn't make more than 133% above the poverty level, regardless of actual income. This makes them eligible for the most general subsidy levels, which reduces their out-of-pocket limit by two-thirds and the insurance provider must pay 90% of health care costs. Subtitle E - Testing Sec. 2401: Funding for COVID-19 Testing, Contact Tracing, and Mitigation Activities Appropriates $47.8 billion, which does not expire, to "detect, diagnose, trace, and monitor SARS-CoV-2 and COVID-19 infections". This money must be used to implement a national testing and contract tracing strategy, provide technical assistance to states, "support the development, manufacturing, procurement, distribution, and administration of tests", which includes the supplies needed for those tests, PPE, and "the acquisition, construction, alteration, or renovation of non-federally owned facilities." Sec. 2402: Funding for Sara-COV-2 Genomic Sequencing and Surveillance Appropriates $1.75 billion for genomic sequencing, analytics, and disease surveillance, which will identify mutations and survey their transmission in our communities. This money can be used to "award grants for the construction, alteration, or renovation of facilities to improve genomic sequencing and surveillance capabilities at the State and local level." Sec. 2403: Funding for Global Health Appropriates $750 million to combat COVID "and other emerging infectious disease threats globally" Subtitle F - Public Health Workforce Sec. 2501: Funding for Public Health Workplace Appropriates $7.66 billion, which does not expire, to fund the creation and expansion of local public health workforces. The money will be granted to states who will then fund the wages and benefits for individuals hired to be contract tracers, community health workers, epidemiologists, laboratory personnel, communications and policy experts who are employed by the government or a non-profit, which can be public or private. Subtitle G - Public Health Investments Sec. 2601: Funding for Community Health Centers and Community Care Appropriates $7.6 billion, which does not expire, for grants for community health centers, which can be used for vaccine distribution, testing and contact tracing, to hire health care workers, and for community outreach. This money can be used to reimburse community health centers that they provided for COVID response sine January 31, 2020. Subtitle H - Mental Health and Substance Use Disorder Sec. 2701: Funding for Block Grants For Community Mental Health Services Appropriates $1.5 billion, that must be spent by September 30, 2025, for states to give to mental health service providers. Sec. 2702: Funding For Block Grants For Prevention and Treatment of Substance Abuse Appropriates $1.5 billion, that must be spent by September 30, 2025, for states to give to substance abuse treatment providers. Subtitle K - Ratepayer Protection Sec. 2911: Funding for LIHEAP Appropriates $4.5 billion, that expires on September 30, 2022, for payment for energy expenses of low income families. Subtitle L - Assistance for Older Americans, Grandfamilies, and Kinship Families Sec. 2921: Supporting Older Americans and Their Families Appropriates over $1.4 billion for COVID related expenses of senior citizens. TITLE III - COMMITTEE ON BANKING, HOUSING, AND URBAN AFFAIRS Subtitle A - Defense Production Act of 1950 Sec. 3101: COVID-19 Emergency Medical Supplies Enhancement Appropriates $10 billion, available until September 30, 2025, to use the Defense Production Act for "the purchase, production (including the construction, repair, and retrofitting of government-owned or private facilities as necessary)" for distributing medical supplies and equipment to combat the COVID-19 pandemic. Starting on September 30, 2022, the money left over can be used for any activity "necessary to meet critical public health needs of the United States, as determined by the President. Subtitle B - Housing Provisions Sec. 3201: Emergency Rental Assistance Appropriates over $21.5 billion (on top of the $25 billion provided by the Coronabus), available until September 30, 2027, for grants to states that will be used to pay rent, utilities and "other expenses related to housing incurred due, directly or indirectly," to COVID for up to 18 months. People who qualify for unemployment benefits, had their income reduced, are low income, or can demonstrate that they are at risk of homelessness. The payments will be made directly to the landlord until the landlord does not agree to accept the payment, in which case the household can receive the money. All eligible grantees (states and territories) must be given at least 40% of their payments by May 11 States and territories can use up to 15% of the money for administration Unused money will begin to be returned and redistributed starting on March 31, 2022 Sec. 3202: Emergency Housing Vouchers Appropriates $5 billion, available until September 30, 2030, for emergency housing vouchers (Section 8) to people who are homeless, at risk of homelessness, or escaping a domestic violence or human trafficking situation. Prohibits families from getting another voucher after their voucher expires starting on September 30, 2023. Sec. 3205: Homelessness Assistance and Supportive Services Program Appropriates $5 billion, available until September 30, 2025, for "tenant-based rental assistance", development of affordable housing, housing counseling, and individual shelters than may be converted to permanent housing. Eligible people include people who are homeless, at risk of homelessness, escaping a domestic violence or human trafficking situation, or veterans and their families if the veteran meets one of the other criteria. These services can be contracted out and the government "shall" enter into contracts "that cover the actual total program costs and administrative overhead" Sec. 3206: Homeowner Assistance Fund Appropriates over $9.9 billion, available until September 30, 2025, for a new Homeowner Assistance Fund. The fund will make payments "for the purpose of preventing homeowner mortgage delinquencies, defaults, foreclosures, loss of utilities... of homeowners experiencing financial hardship after January 21, 2020." Assistance will include payments of mortgages, payments to take a loan out of forbearance, principal reduction, facilitating interest rate reductions, payments for utilities and internet service, insurance, and homeowner association fees. 60% of the money given to states has to be used to help homeowners at or below the median income level for their household size or the median income level for the United States, whichever is greater. The rest of the money has to go to "socially disadvantaged individuals". The states must receive their payments by April 25. If a state does not request payments by that date, that state will become ineligible for payments and the money will be divided among the other states. Subtitle C - Small Business (SSBCI) Sec. 3301: State Small Business Credit Initiative Appropriates $10 billion to bring back a program last used after the 2008 global recession to support small businesses recovering from the economic effects of the COVID-19 pandemic. $1.5 billion must be spent on businesses owned and controlled by "socially and economically disadvantaged individuals" This includes privately owned businesses owned 50% or more by "socially and economically disadvantaged individuals" Publicly owned businesses with 51% or more of the stock owned by "socially and economically disadvantaged individuals" Institutions where a majority of the board, account holders and the community are "socially and economically disadvantaged individuals". "Socially and economically disadvantaged individuals" are two different legal categories, but the "economically" disadvantaged group comes from the "socially" disadvantaged group. "Socially disadvantaged individuals" are those who have been subjected to racial or ethnic prejudice or cultural bias because of their identity as a member of a group without regard to their individual qualities. $500 million must be spent on businesses with fewer than 10 employees, which "may" include independent contractors and sole proprietors. Subtitle D - Public Transportation Sec. 3401: Federal Transit Administration Grants Appropriates almost $30.4 billion, available until September 30, 2024, for... Over $26 billion: Urbanized area formula grants For capital projects, planning, job access and reverse commute projects and operating costs for public transportation facilities and equipment in cities with fewer than 200,000 people. Over $1.6 billion: Fixed guideway capital investment grants, For rail, ferry, and bus public transportation systems that increase the capacity of the route by at least 10%. Over $417 million: Formula grants for rural areas. For planning for rural areas, public transportation capital costs, public transportation facilities and equipment, joe access and reverse commute projects, and private providers of public transportation services. The grants cover 80% of the net project cost. $50 million: Grants for enhancing the mobility of seniors, "For public transportation projects designed, and carried out to meet the special needs of seniors and individuals with disabilities when public transportation is insufficient, inappropriate, or unavailable." The money is allowed to be used for operating expenses beginning on January 20, 2020, including payroll, operating costs due to lost revenue, purchase of PPE, and the administrative leave of personnel due to service restrictions. Increases the government's share of the costs from 80% to 100%. Prohibits money paying for route planning to be used to privatize a public transportation service. TITLE IV - COMMITTEE ON HOMELAND SECURITY AND GOVERNMENTAL AFFAIRS Sec. 4001: Emergency Federal Employee Leave Fund Appropriates $570 million, available through September 30, 2022, for up to 600 hours of paid leave for full time employees, capped at $2,800 for each bi-weekly paycheck, for employees that have to quarantine, who have COVID, is caring for a family member with COVID, or is getting vaccinated or is sick from getting the vaccination. Eligible employees include executive branch employees, USPS employees, and working people in the DC court system. Eligibility ends on September 30, 2021. Sec. 4005: Federal Emergency Management Agency Appropriation Appropriates $50 billion, available until September 30, 2025 for FEMA for "major disaster declarations" Sec. 4006: Funeral Assistance For the COVID emergency declared on March 13, 2020 "and for any subsequent major disaster declarations that supercedes such emergency declaration", FEMA funds "shall" be paid for 100% of disaster-related funeral expenses. Sec. 4007: Emergency Food and Shelter Program Funding Appropriates $400 million, available until September 30, 2025 for FEMA's emergency food and sh TITLE V - COMMITTEE ON SMALL BUSINESS AND ENTREPRENEURSHIP Sec. 5001: Modifications to Paycheck Protection Program Adds non-profit organizations with fewer then 500 employees per location to the eligibility list for forgivable PPP loans. They can be eligible if they receive up to 15% of their money from lobbying activities and that amount was less than $1 million during the tax year that ended prior to February 15, 2020. Adds "internet only periodical publishers" who are "assigned a North American Industry Classification System code of 519130" to be eligible for forgivable PPP loans if they have fewer than 500 employees per physical location. Appropriates an additional $7.25 billion to the PPP program Sec. 5002: Targeted EIDL Advance Appropriates $15 billion, which does not expire, for the Small Business Administration to make loans to businesses with fewer than 300 employees in low income communities. Sec. 5003: Support for Restaurants Appropriates $28.6 billion for restaurants, food stands, food trucks, caterers, bars, tasting rooms, including locations inside of airports. Does not include chains that had more than 20 locations on March 13, 2020, or publicly traded companies. $5 billion of that is reserved for businesses that made less than $500,000 in 2019. The maximum amount of each grant is $10 million, and no more than $5 million per physical location. The amount up to those caps of the grants is the amount of the business's pandemic related revenue loss. Valid for expenses from February 15, 2020 through at least December 31, 2021. The Administrator of the Small Business Administration can extend that until no later than March 11, 2023. Sec. 5005: Shuttered Venue Operators Appropriates an additional $1.25 billion, that doesn't expire, to the Coronabus grant program for live performance venues. Reduces the grant amounts by any amount of PPP money that was received on or after December 27, 2020. TITLE VII - COMMITTEE ON COMMERCE, SCIENCE, AND TRANSPORTATION Subtitle A - Transportation and Infrastructure Sec. 7101: Grants to the National Railroad Passenger Corporation Appropriates almost $1 billion to Amtrak's Northeast Corridor and $730 million to Amtrak's national network, available until September 30, 2024 for coronavirus related expenses. Sec. 7102: Relief for Airports Appropriates $8 billion, available until September 30, 2024 for airports. No more than $800 million can be used to pay the rent and required minimum payments of airport concessions operators. To qualify for the funding, airports have to retain 90% of the number of employees they had on March 27, 2020 until September 30, 2021, unless granted a waiver due to environmental hardship. Subtitle B - Aviation Manufacturing Jobs Protection Sec. 7202: Payroll Support Program Appropriates $3 billion, available until September 30, 2023 for a new program that pays airplane manufacturers for some payroll expenses if they have "significant operations in, and a majority of its employees" in the United States, if they have laid off at least 10% of their workforce or experienced a 15% or more loss of revenue. Businesses that got money from the CARES Act or PPP program are ineligible. Subtitle C - Airlines Sec. 7301: Air Transportation Payroll Support Program Extension Appropriates $14 billion for airlines and $1 billion for contractors conditioned on their agreement not to furlough anyone or reduce pay for workers before September 30, 2021, not buy back their own stock or pay out dividends before September 30, 2022, and limit executive pay. Subtitle D - Consumer Protection and Commerce Oversight Sec. 7402: Funding for E-Rate Support for Emergency Educational Connections and Devices Appropriates over $7.1 billion, available through September 30, 2030 to reimburse elementary and high schools and libraries for new telecommunications equipment and services including wi-fi hotspots, modems, routers, and connection devices. TITLE VIII - COMMITTEE ON VETERANS' AFFAIRS Sec. 8002: Funding Availability for Medical Care and Health Needs Appropriates $14 billion in additional funding, available until September 30, 2023 for the "Veterans Community Care program" Sec. 8007: Prohibition on Copayments and Cost Sharing for Veterans During Emergency Relation to COVID-19 Prohibits the Secretary of Veterans Affairs from charging any co-pay or cost sharing for health care received by a veteran, and any co-pays and cost sharing already charged must be reimbursed, for the period between April 6, 2020 and September 30, 2021. Appropriates an additional $1 billion, available until spent. TITLE IX - COMMITTEE ON FINANCE Subtitle A - Crisis Support for Unemployed Workers Part 1 - Extension of CARES Act Unemployment Provisions Sec. 9011: Extension of Pandemic Unemployment Assistance Extends unemployment benefits through September 6, 2021 and extends the total number of eligible weeks from 50 to 79. Part 3 - Department of Labor Funding for Timely, Accurate, and Equitable Payment Sec. 9032: Funding for Fraud Prevention, Equitable Access, and Timely Payment to Eligible Workers Appropriates an additional $2 billion, available until fully spent, to the Secretary of Labor to detect and prevent fraud and ensure the timely payment of unemployment benefits. Part 4 - Other Provisions Sec. 9042: Suspension of Tax on Portion of Unemployment Compensation For taxpayers whose gross income for "any taxable year beginning in 2020" is less than $150,000 and whose unemployment payments were less than $10,200, that income will not be taxable. Subtitle F - Preserving Health Benefits for Workers Sec. 9501: Preserving Health Benefits for Workers People who lose their employer paid health insurance due to being laid off or having their hours reduced can elect to have COBRA (a continuation of their health insurance) paid for by the government, which will provide tax credits to the employer who will pay the premiums. This applies between April 1, 2021 through September 30, 2021. Subtitle G - Promoting Economic Security Part 1 - 2021 Recovery Rebates to Individuals Sec. 9601: 2021 Recovery Rebates to Individuals Provides $1,400 per person stimulus checks to people making less than $75,000 per year, with a phase out up to $100,000 per year. No checks are allowed to be issued after December 31, 2021. They check amounts will be determined based on either 2019 or 2020 tax filings, whatever the government has on file. Appropriates over $1.4 billion. Part 2 - Child Tax Credit Sec. 9611: Child Tax Credit Improvements for 2021 For 2021, for taxpayers living in the United States will get a $3,000 payment for each child ages 6-18 and $3,600 for each child under the age of 6. The payments will be reduced for individuals who make more than $75,000 and couples who make more than $150,000. Payments will be made between July 1, 2021 and December 31, 2021. Part 3 - Earned Income Tax Credit Sec. 9621: Strengthening the Earned Income Tax Credit for Individuals with No Qualifying Children Doubles the refundable Earned Income Tax Credit for qualified taxpayers for 2021 who don't have children, increasing the maximum credit from $538 to $1,500. To qualify, you have to live in the United States at least half the year and have investment income below $10,000. People who make more than $21,430 as a single person or $27,830 jointly are not eligible. Part 4 - Dependent Care Assistance Sec. 9631: Refundability and Enhancement of Child and Dependent Care Tax Credit For 2021, eligible taxpayers can get up to 50% of up to $8,000 in childcare costs (capped at $16,000 for multiple children under the age of 12) reimbursed via a refundable tax credit. The credit phases out for families with income higher than $400,000 per year. Part 5 - Credits for Paid Sick and Family Leave Sec. 9641: Payroll Credits Provides a 100% refundable tax credit for employers that provide paid sick leave, capped at $511 and 10 days per quarter. Provides a 100% refundable tax credit for employers who provide family leave, capped at $200 per day and $12,000 total. Sec. 9642: Credit for Sick Leave For Certain Self-Employed Individuals Allows self employed individuals to receive a tax credit for sick day related to COVID-19 from April 1, 2021 through September 30, 2021, including getting tested, quarantining, illness, and getting the vaccine. The number of days is capped at 10 and its capped at $200 per day. Sec. 9643: Credit For Family Leave For Certain Self-Employed Individuals Allows self employed individuals to receive a refundable tax credit for family leave for COVID-19 testing, illness, or vaccines. It's capped at 60 days and $200 per day. Part 6 - Employee Retention Credit Sec. 9651: Extension of Employee Retention Credit Provides employers who had to partially or fully close during 2021 with a refundable tax credit up to 70% of the wages they pay to their employees capped at $10,000 per employee per quarter. Part 7 - Premium Tax Credit Sec. 9661: Improving Affordability by Expanding Premium Assistance for Consumers Increases the amount of money the government will pay towards the health insurance premium of low income individuals. People with incomes at or below 150% of the poverty level ($19,320 for individuals) can get coverage with no monthly premiums. Lifts the cap on the income level of individuals eligible for subsides, so now everyone is eligible and no one will pay more than 8.5% of their income towards health insurance premiums. This is only applicable for 2021 and 2022. Part 8 - Miscellaneous Provisions Sec. 9671: Repeal of Election to Allocate Interest, Etc. on Worldwide Basis Repeals a tax benefit for corporations that would have become effective in 2021. Sec. 9672: Tax Treatment of Targeted EIDL Advances COVID relief money provided via the Small Business Administration's program for restaurants will not count as gross income for tax purposes. Sec. 9673: Tax Treatment of Restaurant Revitalization Grants COVID relief money provided via the Small Business Administration's program for small businesses, nonprofits, and venues will not count as gross income for tax purposes. Sec. 9675: Modification of Treatment of Student Loan Forgiveness Student loan forgiveness amounts will not be included in gross income from 2021 through 2025. Subtitle H - Pensions Subtitle I - Child Care for Workers Sec. 9801: Child Care Assistance Appropriates over $3.5 billion for grants to states and territories for child care assistance. Subtitle J - Medicaid Sec. 9811: Mandatory Coverage of COVID-19 Vaccines and Administration and Treatment Under Medicaid From March 11, 2021 until one year after the COVID emergency is declared over, Medicaid must pay for COVID testing, treatment, and vaccines free of out of pocket charges. Subtitle K - Children's Health Insurance Program Sec. 9821: Mandatory Coverage of COVID-19 Vaccines and Administration and Treatment Under CHIP From March 11, 2021 until the first day of the quarter after the one year anniversary of the COVID emergency being declared over, the Children's Health Insurance Program (CHIP) must cover COVID testing, treatment, and vaccines with no cost sharing requirements. The Federal government will pay 100% of the costs to the states. Subtitle M - Coronavirus State and Local Fiscal Recovery Funds Sec. 9901: Coronavirus State and Local Fiscal Recovery Funds Appropriates $219.8 billion, available through the end of 2024, for states, territories, and tribal governments to "mitigate the fiscal effects stemming from the public health emergency with respect to the Coronavirus Disease (COVID-19)". The money can be spent on "assistance to households, small businesses, and nonprofits, or aid to impacted industries such as tourism, travel, and hospitality" and "premium pay (up to $13/hour, capped at $25,000) to eligible workers... performing such essential work" and "for the provision of government services to the extent of the reduction of revenue... due to the COVID-19 public health emergency" and "to make necessary investments in water, sewer, or broadband infrastructure." The money can NOT be used to offset a reduction in revenue caused by a tax cut or to deposit into pension funds. Appropriates over $130 billion, available through the end of 2024 for metropolitan cities ($45.5 billion), nonentitlement units of local government ($19.5 billin), and counties ($65 billion) to "mitigate the fiscal effects stemming from the public health emergency with respect to the Coronavirus Disease (COVID-19)" for the same purposes with the same conditions placed upon the states (see above). Appropriates $10 billion, available until fully spent, for states, territories, and tribal governments to "carry out critical capital projects directly enabling work, education, and health monitoring, including remote options." Each state will get at least $100 million. Appropriates $2 billion, available until September 30, 2023, for counties and tribal governments for "any governmental purpose other than a lobbying activity." Subtitle N - Other Provisions Sec. 9911: Funding For Providers Relating to COVID-19 Appropriates $8.5 billion, available until fully spent, for health care providers for "health care related expenses and lost revenues that are attributable to COVID-19. Health care providers must apply and can't double dip for the same expenses that have already been reimbursed or are supposed to be reimbursed some other way (for example, via insurance.) The money can be used for expenses derived from new construction of temporary structures, leasing property, purchasing medical supplies, hiring new workers and their training, and others. TITLE X - COMMITTEE ON FOREIGN RELATIONS Sec. 10003: Global Response Appropriates over $8.6 billion, available until September 30, 2022, for international health programs "to prevent, prepare for, and respond to coronavirus". $3.75 billion will go to the State Department for "the prevention, treatment, and control of HIV/AIDS" in order to mitigate the impact on these programs from impacts of the coronavirus and support recovery from them. The vast majority of this money will be for "a United States contribution to the Global Fund to Fight AIDS, Tuberculosis and Malaria" $3.09 billion will go to USAID for COVID-19 relief that "shall include support for international disaster relief, rehabilitation, and reconstruction, for health activities, and to meet emergency food security needs." $930 million will be for "activities to address economic and stabilization requirements resulting from" coronavirus. $905 million will go to USAID and "shall include a contribution to a multilateral vaccine development partnership to support epidemic preparedness." Sec. 10004: Humanitarian Response Appropriates $500 million, available until September 30, 2022, to carry out the Migration and Refugee Assistance Act, but the money can't be used to resettle refugees in the United States. Sec. 10005: Multilateral Assistance Appropriates $580 billion, available until September 30, 2022, which "shall include support for the priorities and objectives of the United Nations Global Humanitarian Response Plan to COVID-19 through voluntary contributions to international organization and programs administered by such organizations." TITLE XI - COMMITTEE ON INDIAN AFFAIRS Sec. 11001: Indian Health Service Appropriates over $6 billion for the Indian Health Service for COVID-19 related expenses. Sec. 11002: Bureau of Indian Affairs Appropriates $900 million for the Bureau of Indian Affairs for tribal housing improvements, welfare services and water deliveries. Sec. 11003: Housing Assistance and Supportive Services Programs for Native Americans Appropriates $750 million for housing assistance for native American communities. Sec. 11005: Bureau of Indian Education Appropriates $850 million for the Bureau of Indian Education, available until fully spent. Articles/Documents Article: Monthly Child Tax Credit Payments Start July 15th. Here's What You Need to Know, By Christine Hernandez, winnie, May 21, 2021 Article: Applying for rental assistance isn't easy. Here's what you need to know, By Annie Nova, CNBC, May 20, 2021 Article: Facing Hurricane and Wildfire Seasons, FEMA Is Already Worn Out, By Christopher Flavelle and Zolan Kanno-Youngs, New York Times, May 20, 2021 Article: As GOP-run states slash jobless aid, the Biden administration finds it has few options, By Tony Romm and Eli Rosenberg, The Washington Post, May 20, 2021 Article: FEMA Launches Program to Compensate Funeral Expenses During Pandemic, By Stephanie Steele, NewsRadio 610 Kona, May 18, 2021 Article: Judge Allows National Eviction Moratorium To Remain In Force While Feds Appeal Ruling Tossing It, By Nicholas Reimann, Forbes, May 18, 2021 Article: How to get $9,000 in federal assistance for COVID-related funeral expenses, By James T. Mulder, AL, May 12, 2021 Article: Struggling Renters Need More Federal Aid, By Alieza Durana and Carl Gershenson, The American Prospect, May 12, 2021 Article: Lockheed-Backed Reps Lobby Against F-35 Spending Cuts, By David Moore, Sludge, Brick House, May 12, 2021 Article: Loans Online – Black farmer loan forgiveness challenged, By Andrew Solender, Forbes, May 11, 2021 Article: Senate Republicans Move To End $300 Unemployment Checks After Bad Jobs Report, By Andrew Solender, Forbes, May 11, 2021 Article: Republicans Are Still Waging War on Workers, By Paul Krugman, The New York Times, May 10, 2021 Article: U.S. Chamber of Commerce blames weak jobs report on enhanced unemployment benefit, kicks off lobbying effort, By Thomas Franck and Brian Schwartz, CNBC, May 7, 2021 Article: National Eviction Moratorium Thrown Out by Federal Judge, By Andrew Ackerman and Brent Kendall, The Wall Street Journal, May 5, 2021 Article: Who is eligible for Earned Income Tax Credit for childless workers?, By Greg Heilman, as, May 3, 2021 Article: Sid Miller sues over farm aid program, saying it discriminates against whites, By Chuck Lindell, Austin American-Statesman, April 27, 2021 Article: Texas Ag Commissioner Sid Miller sues, claims American Rescue Plan discriminates against white farmers, By Drew Knight, KVUE, April 27, 2021 Article: WHAT TO KNOW ABOUT THE PAYCHECK PROTECTION PROGRAM BEFORE YOUR CHANCE TO GET IT RUNS OUT, By Jamie Smith Hopkins, The Center for Public Integrity, April 25, 2021 Article: USDA Details Plan for Debt Payments to Socially Disadvantaged Farmers, By Chris Clayton, Progressive Farmer, DTN, Ag Policy Blog, April 15, 2021 Article: HOMEOWNER ASSISTANCE FUND, U.S. DEPARTMENT OF THE TREASURY, April 14, 2021 Article: New $3,000 child tax credit to start payments in July, IRS says, By Carmen Reinicke, CNBC, April 13, 2021 Document: FAQS ABOUT COBRA PREMIUM ASSISTANCE UNDER THE AMERICAN RESCUE PLAN ACT OF 2021, Department of Labor, April 7, 2021 Article: Exclusive: Nearly 7 million uninsured Americans qualify for free health insurance, By Dylan Scott, Vox, April 1, 2021 Article: This Fast Food Giant Bragged About Killing $15 Minimum Wage, By David Sirota, Andrew Perez and Walker Bragman, Newsweek, March 27, 2021 Document: Pension Provisions in the American Rescue Plan of 2021, U.S. Congressional Research Service, March 18, 2021 Article: Congress Repeals Worldwide Interest Expense Allocation, By Amanda Pedvin Varma, Lauren Azebu, Steptoe, March 17, 2021 Article: House Democrat Jared Golden Defends Voting Against 'Wasteful' $1.9T Relief Bill, By Benjamin Fearnow, Newsweek, February 27, 2021 Article: FEMA Supporting Vaccination Centers Nationwide, FEMA, February 26, 2021 Article: Veterans Community Care Program: Improvements Needed to Help Ensure Timely Access to Care, U.S. Government Accountability Office, September 28, 2020 Article: How a 1960s communist exposed the funeral industry’s greed, By Matt Reimann, Timeline, July 11, 2016 Article: The F-35 Is About to Get A Lot Cheaper. Sort Of., By Kyle Mizokami, Popular Mechanics, July 11, 2016 Additional Resources Poll @JenBriney Twitter Allocation for States Allocation for Metropolitan Cities Socially Disadvantaged Farmers and Ranchers, U.S. Department of Agriculture Child Care & Development Block Grant (CCDBG), First Five Years Fund The American Rescue Plan, The White House Federal Poverty Level (FPL), Healthcare.gov New, lower costs on health insurance! Enroll now, Healthcare.gov US Chamber of Commerce, OpenSecrets.org Lobbyist Profile: Robert L Livingston, OpenSecrets.org Lobbyist Profile: Michael Mukasey, OpenSecrets.org Client Profile: US Chamber of Commerce, OpenSecrets.org Industry Profile: Food & Beverage, OpenSecrets.org Sound Clip Sources McConnell: I hope EVERY REPUBLICAN votes against American Rescue Plan, Forbes, YouTube, March 3, 2021 Rep. Kurt Schrader explains his vote against $1.9T coronavirus relief bill, KGW, March 1, 2021 "A Payoff For Pelosi": Kevin McCarthy Slams Spending Items In $1.9 Trillion American Rescue Plan, Forbes, YouTube, May 1, 2021 Cover Art Design by Only Child Imaginations Music Presented in This Episode Intro & Exit: Tired of Being Lied To by David Ippolito (found on Music Alley by mevio)