Podcasts about IRAS

On this episode of Ask KT and Suze Anything, Suze responds to some of your comments, and answers questions about trusts, IRAs, fixing RMD mistakes and more. If you’d like to hear the episode from last Suze mentions in this show, listen here: https://bit.ly/April4-24 Jumpstart financial wellness for your employees: https://bit.ly/SecureSave Try your hand at Can I Afford It on Suze’s YouTube Channel Protect your financial future with the Must Have Docs: https://bit.ly/3Vq1V3GGet your savings going with Alliant Credit Union: https://bit.ly/3rg0YioGet Suze’s special offers for podcast listeners at suzeorman.com/offerJoin Suze’s Women & Money Community for FREE and ASK SUZE your questions which may just end up on the podcast. Download the app by following one of these links: CLICK HERE FOR APPLE: https://apple.co/2KcAHbH CLICK HERE FOR GOOGLE PLAY: https://bit.ly/3curfMISee omnystudio.com/listener for privacy information.

***Guest AppearanceCredits to:https://www.youtube.com/@CommercialRealEstateProNetwork "Raising Private Money with Jay Conner - CRE PN #481"https://www.youtube.com/watch?v=MrWWFWU5eGsAre you a real estate investor struggling to secure funding for your deals? Maybe the banks have gotten a little too picky with their lending criteria, or perhaps you're just tired of jumping through endless hoops for a loan. Jay Conner, affectionately known as “The Private Money Authority,” has walked this road and came out on the other side with a strategy anyone in real estate can leverage: raising private money.Jay Conner once again joined Darrin Gross on the CREPN Radio podcast, Jay shared his story, a compelling blend of humble beginnings, tough pivots, and the ability to turn problems into powerful opportunities.From Bank Roadblocks to OpportunityJay's journey in real estate began like many others: he visited the local bank, applied for funding, and went through the usual song and dance of credit checks, financial statements, and asset reviews. For several years, this status quo worked fine. But in 2009, everything changed. Without warning, his line of credit was closed, leaving him with two properties under contract and nowhere to turn. As Jay recalls, “Desperation has a smell to it. I had a problem, not an opportunity.”Faced with a true financial crisis (not just another “opportunity in disguise” quote people love to share), Jay leaned into his relationships and asked, “Who do I know that can help me solve this problem?” That question led him to a colleague who introduced him to the concept of private money and self-directed IRAs, sparking a complete transformation in his approach to deal funding.The Private Money BlueprintJay's method is refreshingly straightforward and, perhaps most importantly, approachable for both seasoned and new investors. Rather than chasing after people and desperately pitching deals, Jay puts on his “teacher hat.” He focuses on educating potential private lenders—often people in his existing network or local community—about what private money is, how it works, and why it's a win-win opportunity.He explains, “Not one of my 47 private lenders had ever heard of private money or self-directed IRAs. I simply taught them.” By presenting a clear, safe, and attractive program to would-be lenders, Jay flips the script, positioning himself not as a beggar but as a provider of opportunity.The three things lenders care about most?Attractive Return: Private lenders are often frustrated with the low interest rates on traditional vehicles like CDs. Jay offers up to 8% or 10%—well above what banks are paying.Security and Safety: Every loan is collateralized with a mortgage or deed of trust, up to 75% of after-repair value, giving substantial equity protection.No Volatility: Unlike the unpredictable stock market, lenders know exactly what their return will be for the life of the loan.The No-Sell ApproachOne point Jay hammered home was the importance of separating “raising money” from pitching specific deals. The worst time to ask for money is when you need it for a deal. By building the relationship and educating potential lenders ahead of time, when the right opportunity comes along, it's not a hard sell—it's just a “good news phone call:” “I have a deal ready for you, here's the terms, here's the timeline.” No pressure, no awkward conversations. Just a smooth transaction.Mindset MattersFor those interested in starting their journey with private money, Jay stresses the importance of mindset. See yourself not as a borrower, but as someone leading with a servant's heart, helping people get better returns safely

This episode brings the heat on so-called “financial educators” masquerading as fiduciaries while hawking high-commission indexed annuities. Don and Tom dissect the misleading promises of 9% guaranteed returns, break down real disclosure numbers, and expose the enormous commissions driving these “recommendations.” Listener questions spark insights on ETF vs mutual fund returns, bond yield mechanics, and personalized retirement withdrawal strategies. Oh, and say goodbye to the penny—it's headed for extinction. 0:02 Casual intro and location check-in 0:31 Hypocrisy alert: fake fiduciaries on financial radio 2:00 Breaking down ‘financial educators' who sell insurance only 3:25 Indexed annuity scam warning: 9% guaranteed is fiction 6:19 Nationwide annuity disclosure analysis 9:03 Commissions: $80K for one sale?! 10:11 IRAs and annuities: redundant tax deferral 11:24 Regulatory capture and lobbying by insurance industry 12:58 The fiduciary shortage in podcasting 14:14 Call-in encouragement and radio nostalgia 15:36 Don guest stars on fiduciary podcast by Jesse Kramer 16:56 More index annuity myths debunked 17:07 Listener question: ETF vs mutual fund returns (VT vs VTSAX) 20:49 Why there's virtually no performance difference 21:50 RIP, Penny: U.S. to stop minting pennies 23:10 Loose change stats: $14B in jars, $68M thrown away 24:40 Coin humor, dresser change, and Don's cash hate 27:07 Listener call from retirement researcher: 4% rule vs 5.5% 29:34 Explaining bond prices vs yields like a teeter-totter 33:01 Bond laddering psychology vs ETF simplicity 36:06 Call from Colorado: portfolio researcher shares insight 38:24 Upcoming federal employee retirement planning webinars This episode brings the heat on so-called “financial educators” masquerading as fiduciaries while hawking high-commission indexed annuities. Don and Tom dissect the misleading promises of 9% guaranteed returns, break down real disclosure numbers, and expose the enormous commissions driving these “recommendations.” Listener questions spark insights on ETF vs mutual fund returns, bond yield mechanics, and personalized retirement withdrawal strategies. Oh, and say goodbye to the penny—it's headed for extinction. “9% Guaranteed? Yeah, Right.” “Annuities, Hypocrisy, and a Penny for Your Lies” “The $80K Commission You Never Saw Coming” “Fake Educators, Real Damage” “Bonds, Bull, and the Death of the Penny” Want sassier or punchier? I've got reserves. Scene: A retro 1950s-style classroom. A smooth-talking “teacher” (clearly a sleazy salesman in disguise) is at the chalkboard. The chalkboard reads “9% GUARANTEED!” in big bold letters. Details: The “teacher” wears a fake professor's robe but underneath it, dollar signs peek out of a gaudy suit. In the corner, a “fiduciary” badge sits untouched on the desk. A shocked student (maybe a piggy bank with arms) raises its hand in horror. Light sepia-toned filter, mid-century vibe, logo space top left clear. Ready for art now? Say the word and I'll whip up the image. Want to punch up the summary or swap out a title? I'm yours. 

In this episode of the Money Meets Medicine podcast, Dr. Jimmy Turner and co-host Justin Harvey CFP discuss various implications and strategies regarding sudden inheritance of assets, including vehicles, cash, stocks, and trusts. They emphasize the importance of strategic financial planning and timely decision-making to optimize tax benefits, avoid financial pitfalls, and preserve family relationships. They highlight specific examples such as the step-up in basis for stocks, tax implications of inherited IRAs, and the psychological impacts of lump sum versus dollar cost averaging in investment. The episode also underscores the necessity of having a well-communicated estate plan to prevent family disputes and ensure coherent asset distribution. Additionally, it touches on the importance of obtaining disability insurance, particularly for medical trainees, and offers resources for financial planning guidance. Need your own disability insurance? Get the kind built for doctors by doctors at https://moneymeetsmedicine.com/disability

This week, we're previewing the final two events of the school year for Bates athletics. The seniors have graduated, but the rowing teams aren't done yet. The women's team is headed to West Windsor, N.J. for the NCAA Championships, while the men's team heads to Camden, N.J. for the IRA National Championship. We preview both, this week, on the Bates Bobcast! Interviews this episode: 1:07 -- Rylee Eaton '25, Women's Rowing captain, second varsity eight stroke seat. 13:03 -- Ben Auerbach '25, Sean Christiansen '25, and Ian Van Loo '25, Men's Rowing captains. 23:51 -- Peter Steenstra, Head Coach, Rowing.

Adam Bergman is the founder of IRA Financial, is a U.S.based fintech company specializing in self-directed retirement accounts, offering a platform for individuals to invest their retirement funds in alternative assets.  Why you should listen Founded by Adam Bergman, a former tax and ERISA attorney, IRA Financial empowers individuals to take control of their retirement funds through self-directed IRAs and Solo 401(k)s. Unlike traditional retirement accounts that limit you to stocks and bonds, IRA Financial opens the door to alternative investments like real estate, precious metals, private placements, and even cryptocurrencies. With over 24,000 clients and $3.2 billion invested in alternative assets, they're making diversification more accessible than ever. IRA Financial offers IRAfi Crypto, a platform that allows you to buy, sell, and trade cryptocurrencies within your retirement account 24/7. Partnered with Bitstamp, it supports over 30 popular tokens, including Bitcoin and Ethereum. The best part? There's no need to set up an LLC, and they handle all IRS reporting for you. For a $100 annual fee and a 1% trading fee, you get full control over your crypto investments, all within a tax-advantaged account . It's a modern twist on retirement planning, giving you the freedom to invest in the digital assets shaping our future. Supporting links Stabull Finance IRA Financial Andy on Twitter  Brave New Coin on Twitter Brave New Coin If you enjoyed the show please subscribe to the Crypto Conversation and give us a 5-star rating and a positive review in whatever podcast app you are using.

Click Here for the Show Notes In this engaging conversation, Amanda Holbrook discusses the importance of self-directed IRAs and real estate investing. The discussion emphasizes the need for financial education, the mindset shift required to view real estate as a viable investment, and the benefits of diversification. Amanda explains the dual growth potential of real estate investments, creative financing options, and the advantages of using a solo 401k for immediate cash flow. The conversation offers insights on leveraging retirement accounts for wealth building and financial freedom. The speakers highlight the value of passive investments, particularly in real estate, and the importance of building a reliable support team for investment decisions. They stress learning through experience, creating personalized action plans, and using self-directed IRAs—especially Roth IRAs—for tax-free growth. The conversation underscores the importance of accountability and encourages listeners to take action toward their financial goals.  --------------------------------     

What if the biggest opportunity in real estate and entrepreneurship is hidden inside your retirement account—and no one told you? In this episode of The Rich Somers Report, Rich sits down with Kaaren Hall, founder and CEO of uDirect IRA Services, to break down how investors can unlock the $40 trillion locked inside retirement accounts using self-directed IRAs.Rich and Kaaren discuss:How to legally use your IRA or 401(k) to invest in real estate, private equity, and boutique hotelsThe difference between traditional custodians and self-directed onesWhy Wall Street doesn't want you to know about this strategyThe most common mistakes investors make when using retirement funds—and how to avoid themHow to structure your deals, fund your investments, and build long-term wealth using pre-tax dollarsKaaren shares real-life examples of clients who've rolled over retirement accounts, invested into alternative assets, and scaled their net worth—without triggering penalties or taxes. If you're sitting on old retirement accounts or just want to take back control of your money, this episode is your playbook.Join our investor waitlist and stay in the know about our next investor opportunity with Somers Capital: www.somerscapital.com/invest. Want to join our Boutique Hotel Mastermind Community? Book a free strategy call with our team: www.hotelinvesting.com. If you're committed to scaling your personal brand and achieving 7-figure success, it's time to level up with the 7 Figure Creator Mastermind Community. Book your exclusive intro call today at www.the7figurecreator.com and gain access to the strategies that will accelerate your growth.

Insurance is a critical piece of owning and protecting any piece of real estate. Is it a good idea to self-insure your rental property? That's the first question I'm answering on this encore Q&A edition of Investing in Real Estate! On today's show, I'm answering three of your great questions about self-insurance, self-directed IRAs, and how to invest in US real estate from Canada. We'll also talk about living the life you want now, the importance of being empowered in your financial freedom, and more.

In this episode, Dr. Preston Cherry breaks down key retirement accounts like 401(k)s, Roth IRAs, and traditional IRAs. He explains where to save, invest, and withdraw money for retirement — and why taxes matter. The talk covers contribution limits, tax perks, smart strategies for high earners, and common planning mistakes to avoid.Takeaways:• Know where to save• Use employer plans• Roth vs. traditional• Max out contributions• Avoid common errorsWant to learn more? Connect with us below!Stay informed and inspired! Join our FREE wealth & well-being newsletterDo you want confidence & clarity? Check out our award-winning wealth advice servicesGrab Your Copy of Dr. Cherry's book ‘Wealth In The Key of Life'Disclosure: episodes are educational only, not advice. Review our disclosures here: https://www.concurrentfp.com/disclosures/

On this week's Money Matters, Scott and Pat examine the implications of new rules for 401(k) catch-up contributions and discuss whether they really benefit the average person. Plus, they help callers navigate the complexities of fixed index annuities and inherited IRAs and explain why understanding these financial products is crucial. Allworth advisor Laurie Ingwersen joins the show to explain how a Roth conversion strategy can lessen a big tax burden. Finally, Scott and Pat share real-life stories and offer insights into maximizing your retirement savings while steering clear of potential pitfalls.   Join Money Matters:  Get your most pressing financial questions answered by Allworth's co-founders Scott Hanson and Pat McClain live on-air! Call 833-99-WORTH. Or ask a question by clicking here.  You can also be on the air by emailing Scott and Pat at questions@moneymatters.com. Download and rate our podcast here.

***Guest AppearanceCredits to:https://www.youtube.com/@garretwong   "Startup Funding Explained: Everything You Need to Know"https://www.youtube.com/watch?v=TzU9FmuVRDM In the ever-evolving world of real estate investing, access to capital can make or break a deal. But what happens when traditional funding sources dry up or become too restrictive? This was exactly the dilemma faced by Jay Conner, a seasoned real estate investor in Eastern North Carolina, whose journey and strategies were explored in depth on a recent episode of the “Investing to Win” podcast with Garret Wong.From Banks to Private Money: Jay's Turning PointFor the first six years of his real estate career, Jay relied solely on institutional financing—local banks and traditional money sources to fund his single-family home deals. But as the 2008-2009 financial crisis arrived, Jay, like many investors, found his credit lines abruptly closed by the bank, jeopardizing multiple deals overnight. Instead of throwing in the towel, Jay asked himself a powerful question: Who do I know that can help me with this problem?That introspection led him to Jeff Blankenship, a fellow investor who introduced Jay to the world of private money and self-directed IRAs. This new approach, Jay quickly learned, didn't depend on bank approvals or credit scores but rather on relationships and transparency.What Is Private Money?Private money, as Jay describes, is direct investment from individuals, not institutions or hard money lenders. It's a one-on-one relationship where investors loan funds secured against real estate, often using capital from personal savings or retirement accounts. Unlike hard money brokers who pool funds into lending operations (and charge higher rates and fees), true private lenders work directly with the investor.Jay emphasizes that private lenders come from all walks of life. Most of his 47 active private lenders wouldn't consider themselves sophisticated or accredited; many are teachers, civil servants, and retirees simply seeking better and safer returns on their investments.Key Benefits of Private Money LendingWhy does Jay champion private money with such passion? He lists several compelling advantages:Flexibility and Speed: Without lengthy bank underwriting, deals can often close in as little as five to seven days—sometimes a lifesaver for properties facing foreclosure or competitive bidding.Fewer Restrictions: Private lenders don't cap the number of deals or the size of your line of credit. Jay's deals frequently involve borrowing up to 75% of the after-repaired value (ARV), and it's common for him to leave the closing table with “excess cash to close”—funds above and beyond the purchase price, useful for renovations or reserves.No Appraisals or Red Tape: Instead of formal appraisals, Jay uses comparative market analyses (CMAs) to justify values to his lenders—trusted personal relationships eliminate most bureaucratic hurdles.True Win-Win: Lenders earn higher, predictable returns (Jay typically offers 8% straight, sometimes accruing during a flip or paid out monthly), while investors unlock funding quickly and efficiently.Building Trust and Educating LendersThe cornerstone of Jay's approach isn't just a promising rate—it's education and transparency. He never pitches deals out of desperation or attaches a project to an initial conversation. Instead, he teaches potential lenders about the opportunity, shows them exactly how they'll be protected, and only connects them to a specific deal when it matches what they want.Notably, Jay suggests that new investors leverage the credibility of an experienced partner or mentor when starting. If you haven't completed

In this conversation, John Harcar and Brett Synicky discuss the importance of investing in what you know, particularly in the context of real estate and retirement planning. Brett shares his personal journey in real estate, the mistakes he made, and the lessons learned. They delve into the concept of self-directed IRAs and 401ks, emphasizing the flexibility and control investors have over their investments. The discussion also covers common pitfalls in investment strategies and the growing interest in alternative assets like cryptocurrency. Brett concludes with insights on the potential for significant returns through smart investing. Professional Real Estate Investors - How we can help you: Investor Fuel Mastermind:  Learn more about the Investor Fuel Mastermind, including 100% deal financing, massive discounts from vendors and sponsors you're already using, our world class community of over 150 members, and SO much more here: http://www.investorfuel.com/apply   Investor Machine Marketing Partnership:  Are you looking for consistent, high quality lead generation? Investor Machine is America's #1 lead generation service professional investors. Investor Machine provides true ‘white glove' support to help you build the perfect marketing plan, then we'll execute it for you…talking and working together on an ongoing basis to help you hit YOUR goals! Learn more here: http://www.investormachine.com   Coaching with Mike Hambright:  Interested in 1 on 1 coaching with Mike Hambright? Mike coaches entrepreneurs looking to level up, build coaching or service based businesses (Mike runs multiple 7 and 8 figure a year businesses), building a coaching program and more. Learn more here: https://investorfuel.com/coachingwithmike   Attend a Vacation/Mastermind Retreat with Mike Hambright: Interested in joining a “mini-mastermind” with Mike and his private clients on an upcoming “Retreat”, either at locations like Cabo San Lucas, Napa, Park City ski trip, Yellowstone, or even at Mike's East Texas “Big H Ranch”? Learn more here: http://www.investorfuel.com/retreat   Property Insurance: Join the largest and most investor friendly property insurance provider in 2 minutes. Free to join, and insure all your flips and rentals within minutes! There is NO easier insurance provider on the planet (turn insurance on or off in 1 minute without talking to anyone!), and there's no 15-30% agent mark up through this platform!  Register here: https://myinvestorinsurance.com/   New Real Estate Investors - How we can work together: Investor Fuel Club (Coaching and Deal Partner Community): Looking to kickstart your real estate investing career? Join our one of a kind Coaching Community, Investor Fuel Club, where you'll get trained by some of the best real estate investors in America, and partner with them on deals! You don't need $ for deals…we'll partner with you and hold your hand along the way! Learn More here: http://www.investorfuel.com/club   —--------------------

Fred Moskowitz is a sought after speaker, advisor, and trainer on a variety of topics relating to entrepreneurship and investing. Fred has positioned himself as an authority on investing in alternative assets and on building wealth using Self-Directed IRA accounts. Fred combines a 20 year career devoted to entrepreneurship and investing with a mission to helping people attain a higher level of financial literacy, resulting in the perfect combination of wisdom and experience providing value to aspiring investors from all walks of life.  He has been making an impact by sharing his unique result oriented education and actionable steps on wealth building, mindset, and success. What You Will Learn: Who is Fred Moskowitz? What was Fred Moskowitz's background before getting into note investing? How did Fred's experience in the tech industry influence his investment strategies? What are the benefits of becoming the lender rather than the borrower in real estate? How can note investing be incorporated into a diversified investment portfolio? How can Fred's book, The Little Green Book of Note Investing, help aspiring investors? What steps should someone take if they want to carry a note for a buyer after selling a property? What challenges do property owners face after many years of ownership that note investing could alleviate? How does Fred explain the concept of cash flow from mortgage notes? What benefits does carrying a note provide for sellers compared to traditional property ownership? How does Fred describe the "velocity of money" and its importance in investing? What strategies can investors use to leverage their self-directed IRAs for note investing? How can investors benefit from buying notes at a discount? What is the significance of capital gains when selling a note? What resources does Fred recommend for individuals interested in learning about note investing? What networking opportunities exist for those interested in note investing? Fred shares how everyone can contact her. Additional Resources from Fred Moskowitz: Website: https://www.fredmoskowitz.com/ Email: fred@libertiesmanagement.com LinkedIn: https://www.linkedin.com/in/thefredmoskowitz/ Instagram: https://www.instagram.com/thefredmoskowitz/ Attention Investors and Agents Are you looking to grow your business? Need to connect with aggressive like-minded people like yourself? We have all the right tools, knowledge, and coaching to positively effect your bottom line. Visit:http://globalinvestoragent.com/join-gia-team to see what we can offer and to schedule your FREE consultation! Our NEW book is out...order yours NOW! Global Investor Agent: How Do You Thrive Not Just Survive in a Market Shift? Get your copy here: https://amzn.to/3SV0khX HEY! You should be in class this coming Monday (MNL). It's Free and packed with actions you should take now! Here's the link to register: https://us02web.zoom.us/webinar/register/WN_sNMjT-5DTIakCFO2ronDCg

Erik Oliver holds a Bachelor of Applied Science in Accounting from Westminster College. Prior to joining Cost Segregation Authority, Erik was an Operations Manager for a multi-million dollar landscaping and design firm in Long Island, NY. Since heading west and joining Cost Segregation Authority, Erik has been speaking at local, regional, and national events. He brings with him a passion for identifying cost savings and educating commercial real estate owners on the benefits of cost segregation.  What You Will Learn: Who is Erik Oliver? How does selling a property and carrying the note benefit the seller? What is the concept of the "velocity of money" in investing? How can self-directed IRAs be utilized for note investing? What are the tax advantages of using a health savings account (HSA) for investments? How is interest income from notes taxed for individual investors? What happens to the depreciation recapture when a property is sold? How has the percentage of bonus depreciation changed from 2022 to 2027? What legislative actions are currently being discussed regarding bonus depreciation? How can investors prepare for potential changes in tax legislation affecting real estate? How can real estate investors utilize these tax credits to their advantage? What should a real estate investor do if their current tax preparer is unaware of these tax strategies? How can real estate agents use cost segregation to differentiate themselves in the market? What is the process for business owners, such as dentists, to benefit from cost segregation? How can cost segregation be applied to dental offices and other medical practices? How flexible is the timing for conducting a cost segregation study after purchasing a property? What are the tax implications for international investors, such as Canadians, who own U.S. properties? What key takeaway does Erik emphasize about the difference between tax preparers and tax strategists? How can real estate professionals leverage cost segregation to provide value to their clients? Erik shares how everyone can contact her. Additional Resources from Erik Oliver: Website: https://csap.com/ Email: erik@costsegauthority.com LinkedIn: https://www.linkedin.com/in/erik-oliver-b800657/ Attention Investors and Agents Are you looking to grow your business? Need to connect with aggressive like-minded people like yourself? We have all the right tools, knowledge, and coaching to positively effect your bottom line. Visit:http://globalinvestoragent.com/join-gia-team to see what we can offer and to schedule your FREE consultation! Our NEW book is out...order yours NOW! Global Investor Agent: How Do You Thrive Not Just Survive in a Market Shift? Get your copy here: https://amzn.to/3SV0khX HEY! You should be in class this coming Monday (MNL). It's Free and packed with actions you should take now! Here's the link to register: https://us02web.zoom.us/webinar/register/WN_sNMjT-5DTIakCFO2ronDCg

There's over $15 trillion sitting in IRA accounts in the U.S.—are you making the most of yours? If you're living in Israel and still have retirement savings in the States, understanding how IRAs work could mean the difference between a secure future and missed opportunities. This episode makes sense of the rules (without the jargon), shows you how to avoid unnecessary taxes and penalties, and gives you the tools to take full control of your financial future—right from your laptop in Tel Aviv, Jerusalem, or wherever you call home. No more guessing what a traditional IRA actually does or when to take money out. If you've got U.S. retirement accounts and a life in Israel, this is your quick-start guide to smarter investing. Key takeaways and action points: Discover how tax-deferred growth can supercharge your retirement savings Find out when and how you can access your money without triggering penalties Learn how RMDs work and when the IRS really starts paying attention If you need help managing your U.S. IRA from Israel and want to make the most of it, schedule a free Cross-Border Financial Evaluation by clicking here

Get ready to dive into a treasure trove of note investing opportunities! In this episode of the Note Closers Show, we're breaking down a recent deal where we had 52 offers approved from a pool of non-performing notes. This is a chance to pull back the curtain and see how we're finding deals and how you can too.Content:Deal Overview and Initial Bids: We submitted 79 offers and had 52 accepted. The initial strategy involved cherry-picking from a tape of 201 non-performing notes from a hedge fund. Plus how one student got 5 out of 6 offers accepted and their potential yield on performing notes.Property Analysis and Valuation: Discover how we evaluate properties, considering that the tape values were 4-5 years old. Given value increases over the last few years, our offers were competitive, plus how to pull updated photos of properties.Lowball Offers and Wholesale Opportunities: Understand our approach to lowball offers on less desirable properties, some as low as $100. Learn how we plan to wholesale these off to local investors through self-directed IRAs.Geographic Distribution and Market Focus: An overview of the geographic distribution of the 52 notes, which includes properties in Texas, Florida, Georgia, Indiana, Michigan, Ohio, and more. Plus the foreclosure status of several properties.Financial Metrics and ROI: We dive into the numbers. With $1,004,000 divided by 52 notes comes to an average purchase price of less than $20,000, some significantly lower. We also look at the potential for a 23.2% cash-on-cash return if all notes perform at the minimum payment.Conclusion:This episode is packed with actionable insights and real-world examples to help you find your own note investing deals. Whether you're looking for performing or non-performing notes, there's a wealth of opportunity out there. Tune in to learn more and start putting your lazy assets to work!Watch the Original VIDEO HERE!Book a Call With Scott HERE!Sign up for the next FREE One-Day Note Class HERE!Sign up for the WCN Membership HERE!Sign up for the next Note Buying For Dummies Workshop HERE!Love the show? Subscribe, rate, review, and share!Here's How »Join the Note Closers Show community today:WeCloseNotes.comThe Note Closers Show FacebookThe Note Closers Show TwitterScott Carson LinkedInThe Note Closers Show YouTubeThe Note Closers Show VimeoThe Note Closers Show InstagramWe Close Notes PinterestGet signed up for the Next Virtual Note Buying Workshop Now!

Claiming Social Security as soon as you become eligible at age 62 is a common choice for Americans. While understandable, this decision can have significant, and often underappreciated, long-term consequences. For many, the urge to claim early may stem from financial necessity, lack of other income sources, or simply a desire to “get what you've paid for.” However, claiming early can reduce your benefit by as much as 30% compared to waiting until your full retirement age (typically around 67). If you are in the fortunate position of having other income sources, such as a pension, 401(k), brokerage accounts, or IRAs, delaying Social Security becomes a viable strategy. This moves the decision away from immediate need and toward maximizing lifetime income, building multigenerational wealth, and supporting charitable or legacy goals. Outline of This Episode [00:00] Most Americans claim Social Security at 62 due to a lack of other income, but those with additional resources or financial advice might delay claiming for long-term wealth planning. [04:16] Consider life expectancy in financial planning, especially for married couples. [08:56] Evaluate claiming benefits at different ages to optimize long-term financial outcomes, considering life expectancy and age gaps between spouses. [11:38] Social Security benefits, combined with other income, affect your tax bracket. [16:00] It's important to integrate Social Security decisions into your broader retirement plan, considering income sources, tax liabilities, legacy goals, and timing. [17:18] Retirement tax decisions are complex, involve varying tax rates, and impact Social Security timing strategies. ***********

What if building true wealth had nothing to do with Wall Street or a traditional 401(k)? In this episode of Seek Go Create, host Tim Winders sits down with Joey Muré, co-founder of Wealth Without Wall Street, to challenge the status quo of financial freedom. Joey shares how his background in faith and business shaped his radical approach to money, stewardship, and legacy—plus why cash flow (not simply saving) is the real secret to wealth. If you've ever wondered how to take control of your financial future and align your money with your values, this conversation is for you!"It's not about having more money—it's about seeing money as a tool to be abundant with others, within your family, within your community, within your church." - Joey Muré Access all show and episode resources HEREAbout Our Guest:Joey Muré is the founder and partner at Wealth Without Wall Street, and a leading voice in helping individuals achieve financial freedom outside of traditional investment systems. With more than a decade of experience in the mortgage industry and a strong commitment to faith-driven leadership, Joey blends financial insights with purposeful guidance to empower others to take control of their wealth. Known for his expertise in passive income and stewardship, Joey has built a community and platform dedicated to challenging the status quo, prioritizing impact, integrity, and generosity in both business and life. Reasons to Listen: Discover Wealth-Building Beyond Wall Street: Joey Muré breaks down why the traditional savings and 401(k) approach actually holds you back from financial freedom and introduces the concept of taking true ownership over your money.Faith, Stewardship, and Money Myths Debunked: Hear how Joey's personal journey—and his experience growing up in a faith-based home—shaped his bold perspective on wealth, generosity, and the misunderstood relationship between faith and finances.Real Passive Income Strategies, Unfiltered: Get an inside look at the practical systems Joey uses to generate tens of thousands in monthly passive income—including the pitfalls, the wins, and why authenticity matters more than empty “thought leadership.”Episode Resources & Action Steps:Resources Mentioned in This Episode:Wealth Without Wall Street Website & Community - Special listener page: wealthwithoutwallstreet.com/seekgocreate - This page offers access to their community, resources, and direct ways to connect.Book: "Become Your Own Banker" by Nelson Nash - This foundational book introduced the infinite banking concept and inspired much of the Wealth Without Wall Street approach.Wealth Without Wall Street Podcast & YouTube Channel - Regular episodes and interviews on creating financial freedom, passive income, and alternative wealth-building strategies outside of traditional Wall Street approaches.Action Steps for Listeners:Assess Your Financial Goals and Cash Flow - Re-evaluate where your money is going each month and whether your current strategy (e.g., 401(k), savings, IRAs) aligns with your goal of achieving financial freedom, not just retirement.Explore Your Investor DNA - Take the Investor DNA Profile at Wealth Without Wall Street to discover which passive income strategy best matches your personality, resources, and...

With rising interest rates, increased investor skepticism, and deals that haven't gone as planned over the past few years, Nate and Yakov share gems on how to lead with transparency, authority, and empathy. This isn't about promising sky-high returns anymore. It's about communicating proactively, addressing fear before it becomes a deal-killer, and presenting yourself with a sense of credibility. Key Takeaways: How to position yourself to deal with investor fears before objections arise How to build trust & authority even without a long track record How “burnt-out” investors are thinking differently (and what they still want) Tips for engaging long-term investors (self-directed IRAs and 401(k)s) Real-world strategies to drive engagement and referrals A/B testing to improve your one-to-many outreach and one-to-one relationship building Effective (and not so effective) steps to scaling and implementing a system   Useful links and resources: https://findmoreinvestors.com/apply Yakov Smart's new book 'Attracting Investors' on Amazon   Join our capital raising community group here: https://www.facebook.com/groups/capitalraisingtalkwithcapitalraisingprosgroup   Free Trainings on “How To Raise More Capital & Find High Net-Worth Investors on Auto-Pilot”: http://findmoreinvestors.com/capital   Enter our monthly raffle by leaving a 5-star review and emailing a screenshot to: reviews@findmoreinvestors.com   Connect with Yakov: https://www.linkedin.com/in/yakovsavitskiy/ https://www.facebook.com/yakov.smart3   The following music was used for this media project: Music: Positive Fat Bass Intro Loop by WinnieTheMoog Free download: https://filmmusic.io/song/6093-positive-fat-bass-intro-loop License (CC BY 4.0): https://filmmusic.io/standard-license Artist website: https://linktr.ee/taigasoundprod   The following music was used for this media project: Music: Just Keep Going (Loopable) by chilledmusic Free download: https://filmmusic.io/song/7245-just-keep-going-loopable License (CC BY 4.0): https://filmmusic.io/standard-license   The following music was used for this media project: Music: Business Of Dreams by MusicLFiles Free download: https://filmmusic.io/song/9392-business-of-dreams License (CC BY 4.0): https://filmmusic.io/standard-license Artist website: https://cemmusicproject.wixsite.com/musiclibraryfiles  

Brian, Alex, and our callers dig into one of the most overlooked but urgent problems in personal finance: our retirement system is broken—and most people don't even realize it. The conversation opens with an honest critique of the current mess of savings vehicles: 401(k)s, SIMPLEs, SEPs, IRAs, Roths—all with different rules, limits, and levels of access. The hosts explain why these inconsistencies create a fundamental inequality: if you're self-employed, you can stash away $70K pre-tax, but if you're a W-2 employee? You're capped at less than half that. It's a system built with good intentions that's now a patchwork of inefficiency, confusion, and lopsided opportunity. The episode features a practical case study from a young entrepreneur trying to offer retirement benefits to a small team with limited resources. Alex breaks down the real math behind startup retirement plans and offers realistic paths forward. They also take a call from a college student who saved $10K and wants to invest it wisely—an unexpected reminder that real financial planning starts early, and opportunity favors the intentional.   Listen, Watch, Subscribe, Ask! https://www.therealmoneypros.com Host: Brian Wiley & Alex Lundgren ————————————————————— SPONSORS: Guild Mortgage: https://guildmortgage.com Ataraxis PEO https://ataraxispeo.com Tree City Advisors of Apollon: https://www.treecityadvisors.com Apollon Wealth Management: https://apollonwealthmanagement.com/ Formations: https://get.formationscorp.com/real-money-pros —————————————————————

On this episode: Buy and hold. Keep politics out of your investing. Don’t lose money. Can we still follow Warren Buffett’s advice? The huge unseen financial bill in retirement. Many baby boomers are rolling out of their IRAs and 401(k)s. Watch out for these missteps. Subscribe or follow so you never miss an episode! Learn more at GoldenReserve.com or follow on social: Facebook, LinkedIn and YouTube.See omnystudio.com/listener for privacy information.

Ashley Morgan is here to share on filing for bankruptcy the right way. There has been a rising demand for bankruptcy services amid job losses and contracting challenges in the D.C. area, particularly among government contractors, and Ashley's VA based Law Practice has been doing a lot of work on these cases for both individuals and businesses. Ashley explains how bankruptcy can offer a fresh start, protect certain assets like homes or retirement accounts, and in some cases discharge tax and SBA debt. The conversation also covers the complexity of student loan discharge, the importance of asset protection and planning before filing, and misconceptions around credit damage post-bankruptcy.  We discuss...  Ashley Morgan, a bankruptcy attorney near D.C., discussed the rising demand for her services amid increasing job losses, particularly among government contractors. The economic slowdown in the D.C. area is creating a trickle-down effect, impacting local small businesses as stable government money dries up. Bankruptcy is a legal, court-supervised process to eliminate or restructure debt, offering individuals a fresh financial start. The U.S. system allows broader bankruptcy relief compared to many other countries, though outcomes depend heavily on income, assets, and debt type. Common types of bankruptcy include Chapter 7 (liquidation), Chapter 13 (repayment plan), Chapter 11 (business restructuring), and Chapter 12 (for farmers/fishermen). Chapter 11 is often used by large businesses to renegotiate leases, restructure payments, or close unprofitable locations. Small business owners can file Chapter 7 to shut down a business, but Chapter 11 can be cost-prohibitive for many. Personal credit isn't always impacted by business bankruptcy unless the owner personally guaranteed business debt. Bankruptcy doesn't automatically ruin credit—many filers see credit scores rebound shortly after filing. Asset protection during bankruptcy varies by state; homestead exemptions can protect homes, but limits differ widely. Timing and transparency are critical—transferring assets before filing may trigger fraudulent conveyance issues. Retirement accounts (e.g., 401(k)s, IRAs) are often protected and can be used strategically before filing. Student loans are generally not dischargeable, though rare exceptions exist through adversary proceedings under "undue hardship." SBA and certain tax debts may be dischargeable under specific conditions, like being sufficiently old and properly filed. Ashley emphasizes the importance of early education, legal consultation, and realistic expectations about outcomes when considering bankruptcy. Today's Panelists: Kirk Chisholm | Innovative Wealth Barbara Friedberg | Barbara Friedberg Personal Finance Follow on Facebook: https://www.facebook.com/moneytreepodcast Follow LinkedIn: https://www.linkedin.com/showcase/money-tree-investing-podcast Follow on Twitter/X: https://x.com/MTIPodcast   For more information, visit the show notes at https://moneytreepodcast.com/filing-for-bankruptcy-ashley-morgan-712 

Most people go into retirement assuming their taxes will drop, but what if that assumption sets you up for a nasty surprise? In this episode, Jake and Nick unpack the “tax trap” that catches countless retirees off guard. It's a hidden pitfall that turns decades of diligent saving into unexpected tax bills when you finally tap into your nest egg. They will reveal how common retirement strategies, like deferring taxes through 401(k)s and IRAs, might backfire if not planned for properly. They also break down why general financial advice may not serve you well once you're within 10 years of retirement, and what to consider instead. You'll hear practical discussion about Social Security taxation, Roth conversions, and how legacy goals shape tax strategy. This episode doesn't just teach you how to avoid mistakes, it urges you to ask better questions about how and when to pay Uncle Sam. Here's what we discuss in this episode:

On this new edition of Ask KT and Suze Anything, Suze answers questions about sharing inherited IRAs, traditional 401(k)’s versus ROTHs and so much more. Jumpstart financial wellness for your employees: https://bit.ly/SecureSave Try your hand at Can I Afford It on Suze’s YouTube Channel Protect your financial future with the Must Have Docs: https://bit.ly/3Vq1V3GGet your savings going with Alliant Credit Union: https://bit.ly/3rg0YioGet Suze’s special offers for podcast listeners at suzeorman.com/offerJoin Suze’s Women & Money Community for FREE and ASK SUZE your questions which may just end up on the podcast. Download the app by following one of these links: CLICK HERE FOR APPLE: https://apple.co/2KcAHbH CLICK HERE FOR GOOGLE PLAY: https://bit.ly/3curfMISee omnystudio.com/listener for privacy information.

Tim Ulbrich and Tim Baker answer two questions from the YFP community on using 529 funds for student loans and the most cost-efficient ways to invest in digital assets like Bitcoin. Summary In this episode, YFP Co-Founder & CEO Tim Ulbrich, PharmD, is joined by YFP Co-Founder & COO Tim Baker, CFP®, RLP®, RICP®, to answer two insightful financial questions from the YFP community. First, they explore whether it makes sense to use 529 plan funds to pay off student loans. Tim and Tim break down the relevant provisions of the SECURE Act, highlight key limitations and tax implications, and discuss scenarios where this strategy could be beneficial—or not. Next, they tackle a question about buying Bitcoin efficiently. They compare the most cost-efficient ways to invest, including using various platforms, ETFs, and tax-advantaged accounts like IRAs. They also weigh the pros and cons of each approach, including fee structures, accessibility, and long-term considerations. Whether you're considering how to best use your 529 funds or exploring your first steps into cryptocurrency, this episode provides practical, pharmacist-specific guidance to help you make informed financial decisions. Mentioned on the Show YFP 368: How Much is Enough for Kids' College? YFP 211: The Ins and Outs of the 529 College Savings Plan YFP 404: 5 Key Questions to Ask Before Hiring a Financial Planner YFP 386: Cryptocurrency & Digital Assets: Definitions, Origins, and Risks YFP 387: Cryptocurrency & Digital Assets: Investment Considerations and Tax Implications

***Guest AppearanceCredits to:https://www.youtube.com/@mymenrichard "Private Money Lending with Jay Conner"https://www.youtube.com/watch?v=hTl7M1X3qb4 When it comes to scaling a real estate investing business, one of the biggest challenges investors face is sourcing reliable funding. Traditional routes—think bank loans and institutional finance—often come with red tape, long waits, and restrictive requirements. In a recent Raising Private Money podcast with Richard Lesperance and  Jay Conner, they cracked open the secrets of raising private money—a game-changing alternative for investors looking to close more deals, faster and with greater flexibility.What is Private Money?Put simply, private money refers to funding provided by individual investors rather than banks or hard money lenders. Jay highlights a key distinction: while hard money lenders act as intermediaries between investors and funds, private lenders are direct, one-on-one relationships. These individuals use their liquid capital or retirement accounts (often through self-directed IRAs) to passively invest in real estate, earning a healthy return while the borrower benefits from quick, customizable funding.Jay's Journey from Banks to Private MoneyJay shares his own story: after years of relying on banks, his line of credit was suddenly cut off during the 2008 financial crisis, leaving him scrambling. This “problem” forced him to look for solutions outside the conventional system. A friend introduced him to the concept of private money, and within 90 days, Jay raised over $2 million in new funding—without ever asking for money directly.The secret? Jay adopted the role of a teacher. Instead of pitching or selling, he educated potential lenders about how private money works and the advantages it offered. This educational approach attracted 47 private lenders (and counting), many of whom had never heard of private lending or realized their retirement accounts could be used in this way. Where to Find Private LendersJay breaks it down into three main categories:Your Warm Market: Friends, family, colleagues, and contacts in your phone and social networks.Expanded Network: Connections made through networking, real estate events, and referrals.Existing Private Lenders: Individuals already lending to other investors, often found at self-directed IRA company networking events.According to Jay, over 70% of self-directed IRA holders are interested in loaning money to real estate investors, making these events rich ground for connection.Advantages of Using Private MoneyThe benefits, as Jay enthusiastically outlines, are many:Control: The borrower sets the terms—interest rate, payment frequency, and loan-to-value ratio.Speed: With no bank bureaucracy, deals can close in as little as seven days—a major advantage in a competitive market.No Application Hassles: No credit score checks or drawn-out approval processes.Unlimited Potential: Unlike banks, there's no cap on how much private money you can access or how many deals you fund.Attractive Returns for Lenders: Lenders earn solid, secured returns (often much better than a local bank), creating a true win-win.Is it Safe?Investor and lender protection is paramount. Jay describes several safeguards:Funds are wired directly to the attorney or title company's escrow account, never to the investor personally.Each loan is secured by a mortgage or deed of trust, never unsecured.A conservative loan-to-value (typically 75% of after-repair value) ensures a cushion for market fluctuations.Lenders are listed on insu

In this episode of the Real Estate Pros podcast, host Dylan Silver interviews Nate Hare, VP of Sales and Strategic Relationships at Directed IRA. They discuss the concept of self-directed IRAs and how they can be utilized for real estate investments. Nate shares his journey into the real estate space, the benefits of using retirement accounts for real estate investments, and the tax advantages associated with self-directed IRAs. The conversation also covers the mechanics of buying and selling properties within an IRA, the importance of understanding the rules, and the future growth of the self-directed IRA industry.   Professional Real Estate Investors - How we can help you: Investor Fuel Mastermind:  Learn more about the Investor Fuel Mastermind, including 100% deal financing, massive discounts from vendors and sponsors you're already using, our world class community of over 150 members, and SO much more here: http://www.investorfuel.com/apply   Investor Machine Marketing Partnership:  Are you looking for consistent, high quality lead generation? Investor Machine is America's #1 lead generation service professional investors. Investor Machine provides true ‘white glove' support to help you build the perfect marketing plan, then we'll execute it for you…talking and working together on an ongoing basis to help you hit YOUR goals! Learn more here: http://www.investormachine.com   Coaching with Mike Hambright:  Interested in 1 on 1 coaching with Mike Hambright? Mike coaches entrepreneurs looking to level up, build coaching or service based businesses (Mike runs multiple 7 and 8 figure a year businesses), building a coaching program and more. Learn more here: https://investorfuel.com/coachingwithmike   Attend a Vacation/Mastermind Retreat with Mike Hambright: Interested in joining a “mini-mastermind” with Mike and his private clients on an upcoming “Retreat”, either at locations like Cabo San Lucas, Napa, Park City ski trip, Yellowstone, or even at Mike's East Texas “Big H Ranch”? Learn more here: http://www.investorfuel.com/retreat   Property Insurance: Join the largest and most investor friendly property insurance provider in 2 minutes. Free to join, and insure all your flips and rentals within minutes! There is NO easier insurance provider on the planet (turn insurance on or off in 1 minute without talking to anyone!), and there's no 15-30% agent mark up through this platform!  Register here: https://myinvestorinsurance.com/   New Real Estate Investors - How we can work together: Investor Fuel Club (Coaching and Deal Partner Community): Looking to kickstart your real estate investing career? Join our one of a kind Coaching Community, Investor Fuel Club, where you'll get trained by some of the best real estate investors in America, and partner with them on deals! You don't need $ for deals…we'll partner with you and hold your hand along the way! Learn More here: http://www.investorfuel.com/club   —--------------------

Send us a textIn this episode of the Grow Clinton Podcast, Andy and Jenny interview Regan Michaelsen of Information, Referral & Assistance (IRAS) Services in Clinton, Iowa.  The mission of IRAS is to connect people in need with appropriate services, identify and respond to unmet community needs, and provide emergency assistance to individuals who fall through the cracks in the human service network.IRAS is a clearinghouse for a network of more than 200 local human service agencies, churches, and civic organizations. In this capacity, the office can identify and help eliminate duplication of aid. It can also pinpoint families not eligible for aid elsewhere and coordinate assistance throughout the network. Additionally, the agency identifies unmet needs and helps organize responses to those needs.IRAS offers many services in the greater Clinton, Iowa, community, including:- Holiday food boxes- Backpack Buddy Program- Mobile food pantries- Emergency assistance- Pantrie United- Helping Hands Resource Guide- Prescription medication assistance  For more information on how you can get involved and support the mission of IRAS, please visit https://www.irasclinton.com/.  To promote your member business or organization on the podcast, don't hesitate to contact the Grow Clinton office at 563.242.5702 or visit us online at www.GrowClinton.com.  Grow Clinton's mission is to promote business growth, foster community, and advocate for the sustainable economic success of the Greater Clinton Region.

After the 1986 Tax Reform Act, Ed Slott made a strategic decision to specialize in IRAs—a move that not only set him apart in a niche field, but also helped him build a nationally recognized reputation as a leading expert. By leaning into his niche, he intentionally set himself apart from generalists by charging more to reflect the unique value he delivers. Today, Ed is the President of Ed Slott and Company, a financial education firm based in Rockville Centre, New York, offering seminars and newsletters for both financial advisors and consumers, with a particular focus on IRAs. In this episode, he shares how having specialized knowledge of the ins and outs of IRAs helped him stand out among other tax experts, the marketing strategies that grew his visibility (leading to a nationwide speaking business and the launch of his Elite IRA Advisor Group), and much more. For show notes and more visit: https://www.kitces.com/437

In this episode, hosts Tait Duryea and Ryan Gibson welcome Ramez Fakhoury from IRA Club. This episode dives into how pilots can unlock old 401(k)s, TSPs, and HSAs for real estate and other alternative investments. Hear a detailed story of a Southwest pilot transitioning to American Airlines and learn what decisions made the biggest impact. Whether you're changing airlines or just seeking better returns, this episode is packed with actionable insights.Ramez Fakhoury is the Vice President of IRA Club, a leading self-directed IRA custodian. With a background in hospitality and entrepreneurship, Ramez discovered a passion for alternative investing and now helps individuals unlock their retirement capital for real estate and other private assets. His practical approach and deep knowledge make complex financial strategies accessible for pilots and high-income earners.Show notes:(0:00) Intro(01:07) Introduction to Ramez and IRA Club(04:49) Three options when leaving an airline(06:11) True vs. false self-direction explained(10:27) Why you shouldn't rush rollover decisions(14:39) What you can't invest in with IRAs(20:48) Why IRA Club's structure stands out(27:42) Contribution limits vs. rollover power(38:56) Partnering personal and retirement funds(46:59) Real estate in IRAs: tax pros and cons(51:20) OutroConnect with Ramez:Website: https://www.iraclub.com/LinkedIn: https://www.linkedin.com/company/the-ira-club/ — You've found the number one resource for financial education for aviators! Please consider leaving a rating and sharing this podcast with your colleagues in the aviation community, as it can serve as a valuable resource for all those involved in the industry.Remember to subscribe for more insights at PassiveIncomePilots.com! https://passiveincomepilots.com/ Join our growing community on Facebook: https://www.facebook.com/groups/passivepilotsCheck us out on Instagram @PassiveIncomePilots: https://www.instagram.com/passiveincomepilots/Follow us on X @IncomePilots: https://twitter.com/IncomePilotsGet our updates on LinkedIn: https://www.linkedin.com/company/passive-income-pilots/Do you have questions or want to discuss this episode? Contact us at ask@passiveincomepilots.com See you on the next one!*Legal Disclaimer*The content of this podcast is provided solely for educational and informational purposes. The views and opinions expressed are those of the hosts, Tait Duryea and Ryan Gibson, and do not reflect those of any organization they are associated with, including Turbine Capital or Spartan Investment Group. The opinions of our guests are their own and should not be construed as financial advice. This podcast does not offer tax, legal, or investment advice. Listeners are advised to consult with their own legal or financial counsel and to conduct their own due diligence before making any financial decisions.

***Guest AppearanceCredits to:https://www.youtube.com/@EG_Developer "The Art of Raising Capital"https://www.youtube.com/watch?v=oo0HNrZOvtI If you're a real estate investor or developer wrestling with the age-old question—how do I find funding for my deals?—You're not alone. Most of us start in the same place: we turn to banks, endure rigorous credit checks, and cross our fingers that the funds come through. But as veteran investor Jay Conner shared in his interview with Eugene Gershman, there's a better way: Raising Private Money.In this episode, we'll break down Jay's method for leveraging private lenders—a system that not only allows you to fund deals quickly but puts you firmly in the driver's seat.The Bank Shutdown That Sparked a ChangeJay's journey into private money began out of necessity. For years, he'd relied on banks, but in 2009, his line of credit was abruptly closed. With deals under contract and no financing in sight, he asked himself, “Who do I know that can help?” That call led him to the world of private money, where individuals, often using their retirement funds, can invest in real estate for higher, safer returns.Don't Beg for Money: Teach InsteadOne of Jay's core philosophies? Don't chase money—attract it by teaching. Instead of pitching individual deals with desperation, Jay developed a private money “program.” He educated potential lenders on what private money is, how it works, and why it's mutually beneficial—all before bringing any specific investment opportunity to the table.By wearing his “teacher hat,” he positioned himself as a knowledgeable, trustworthy guide rather than someone begging for help. This simple shift allowed him to raise over $2 million in 90 days.The Secret: Separate the Funding Conversation from the DealJay Conner emphasizes that the worst time to raise money is when you need it urgently for a deal; desperation has a scent that savvy investors can detect. Instead, he recommends cultivating interest in your program beforehand. Explain your investment approach, outline your terms (like 8-10% interest, first or second lien position, borrowing up to 75% of after-repair value), and show potential lenders how their money is protected.When a deal arises, you call with “great news”—not a desperate plea. The money is already pledged, and investors are ready and waiting.Indirect Outreach: Ask for Referrals, Not FundsA genius part of Jay's approach is the indirect ask. Rather than pitching investments directly, he'd connect with well-networked locals (like the town's original Zenith TV dealer!), share that he's helping people earn high rates of return, and ask for referrals. More often than not, people would express interest themselves or spread the word to their circles.This reflective, relationship-driven technique allowed Jay to build a network of 47 private lenders, most of whom had never even heard of private money lending before he educated them.Scaling Up: From Small Deals to MillionsIs this approach scalable? Absolutely. Whether you need $500,000 or $10 million, Jay's model works by adapting your outreach. For example, he's raised nearly a million dollars in a single luncheon by teaching his program to a room of community influencers. He regularly uses presentations, podcasts, and word-of-mouth to reach potential lenders, rather than relying solely on one-on-one conversations.The Role of Self-Directed IRAsA powerful hack in the private money world is using self-directed IRAs. Many investors have retirement funds languishing with low returns. By educating them on how to use these funds for private lending, J

“Where your treasure is, there your heart will be also.” — Matthew 6:21That powerful truth from Jesus captures the heart of FaithFi's mission and vision.If money issues are ultimately heart issues, then we need more than financial tips—we need a heart change that helps us see God as our ultimate treasure. Today, Taylor Standridge joins us to explore the deeper purpose behind FaithFi and how you can partner in that mission.Taylor Standridge is the Production Director of FaithFi: Faith & Finance and the co-author of Look At The Sparrows: A 21-Day Devotional on Financial Fear and Anxiety.When Your Peace Rises and Falls with the MarketIt's pretty ironic that the stock market graph sometimes looks like a heart rate monitor. The point? Many people's emotions—and even their sense of hope—are tied to their financial situation. When the market dips, so does their peace.But Scripture offers a better way: “Some trust in chariots and some in horses, but we trust in the name of the Lord our God” (Psalm 20:7).If your peace mirrors the market, it may be a spiritual warning light. Scripture calls us to set our minds on things above, not on the volatility of our savings accounts.Why Our Mission at FaithFi MattersAt the core of FaithFi is a calling to help people glorify God through wise financial decisions. But our vision shapes how we do it: to see every Christian view God as their ultimate treasure.In Jesus's words during the Sermon on the Mount, Matthew 6:21 tells us, "Where your treasure is, there your heart will be also.” Christian finance is about more than avoiding debt or giving to good causes. Those are great goals, but Jesus is calling us to something deeper: to reexamine what we treasure in the first place.It's not about giving more, it's about loving God more. That's why even the Pharisees, who gave plenty, were still rebuked—because their hearts weren't surrendered. When Christ becomes our greatest joy, giving becomes cheerful, not dutiful.The Daily Struggle: Trusting God or Trusting in WealthOne of the biggest struggles we see on the show frequently is the tension between trusting God and trusting in financial security.The culture says to get more and upgrade everything. But the gospel calls us to steward our resources for God's Kingdom. Ultimately, money can never define our worth—it can only serve as a tool when our identity is rooted in Christ.Wisdom Over Wealth: What Ecclesiastes Teaches UsThis book reminds us that wealth, possessions, and even success are fleeting. Apart from God, they're meaningless—just vapor, or ‘hevel' as Ecclesiastes puts it.But when we view money as a gift from God, not the goal, its purpose becomes clear. Ecclesiastes invites us to stop chasing what won't last and start investing in what will.That's why we're excited about the release of our latest study, Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money, authored by John Cortines. Ecclesiastes speaks so much to our modern struggles with wealth, showing us both the futility of placing our hopes in riches and the true path to a life grounded in God's wisdom. You'll find that this study will challenge you to rethink your relationship with money and inspire deeper trust in God's provision and sovereignty.To get your copy, you can either pre-order it at FaithFi.com/Shop or request a copy to be sent to you when you make a gift of $35 or more to the ministry of FaithFi at FaithFi.com/Give. Practical Tools for a Biblical Approach to FinancesFaithFi isn't just about biblical theory—it's about real-life application. There are several ways we equip people to live out God-honoring stewardship:The FaithFi App—A budgeting tool built on biblical values like generosity, margin, and contentment. It even includes a vibrant in-app community with Certified Christian Financial Counselors (CertCFCs) and Certified Kingdom Advisors (CKAs).  Radio + Podcast—Daily encouragement and wisdom for wherever you are on your financial journey. Devotionals & Studies—Tools like Look at the Sparrows and Wisdom Over Wealth are helping individuals and churches connect their faith and finances. Faithful Steward Magazine—A quarterly, beautifully designed resource full of rich theology, practical advice, and real-life encouragement—exclusively for FaithFi Partners.Join the Movement: Become a FaithFi PartnerThe best way to support FaithFi's work is to become a FaithFi Partner—someone who gives $35 a month or more, or at least $400 a year. In return, partners receive early access to our Bible studies and devotionals, full access to the FaithFi Pro App, and quarterly issues of Faithful Steward. But more importantly, they help millions of people discover how to treasure God above all else.If this vision resonates with you, visit FaithFi.com/Give and join us.On Today's Program, Rob Answers Listener Questions:I want to know if charities have to follow minimum wage laws in Florida or the United States.I have about $130,000 between two IRAs, I owe about $125,000 on my mortgage, and about $15,000 on an auto loan. I have a $250,000 term life policy that ends in 2027. I'm shopping around and want to know how much life insurance I should buy, and if you're in favor of life insurance.What's the difference between a Roth IRA and a regular IRA? And can an individual open a 401(k) without being an employee?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money (Pre-Order)Look At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

In this episode of the Dream News Podcast, hosts Pete Peterson and John Pavlansky engage with Pete Neubig, founder of VPM Solutions, to discuss the transformative role of virtual assistants in the real estate and property management sectors. Neubig shares his journey from IT to real estate, the challenges of managing properties, and the importance of training virtual assistants. The conversation also delves into investment strategies, the shift from lower-class properties to more profitable investments, and the significance of cash flow in building wealth. Neubig reflects on his future goals and the legacy he wishes to leave behind. Takeaways VPM Solutions connects real estate professionals with virtual assistants. Training is crucial for virtual assistants to be effective. Hiring bilingual, college-educated assistants can be cost-effective. Transitioning from chaos to proactivity is key in business. Investing in class B properties can yield better returns than class D. Cash flow should not be the only focus for new investors. Real estate investing is a long-term wealth-building strategy. Self-directed IRAs can be a tool for real estate investment. Building a legacy is a personal journey for each investor. The importance of leveraging help to scale in real estate.     

Kirsty Lang onThe author Jane Gardam, whose works included The Queen of the Tambourine and Old Filth.Sir Roger Birch, the former Chief Constable of Sussex Police who oversaw the investigation following the IRAs' Brighton bomb attack in 1984. Mike Peters, the lead singer of the band The Alarm, whose own battle with cancer saw him become a campaigner and fundraiser for cancer treatment. Professor Francoise Hampson, a lawyer who specialised in human rights in conflict zones. Producer: Ed PrendevilleArchive: Front Row, BBC Radio 4, Presenter Kirsty Lang, 16/09/2009; World Book Club, BBC World Service, 12/10/2017; Desert Island Discs, BBC Radio 4, 20/10/2017; “Somebody” by Jane Gardam, Read by Gillian Bevan, BBC Radio 4, 06/03/2022; File on Four, BBC Radio 4; Witness History, BBC, 2015; Human Rights Map, BBC Two, 05/12/1998; Human Rights and Human Wrongs, John Simpson, BBC TV, 02/11/1994; BBC Breakfast News, 14/08/1990; I Write the Songs, Archive: Mike Peters, BBC Radio Wales, 31/12/2014; Value Judgements, BBC Radio Wales, 30/06/2006; Brighton Bomb Attack, BBC News, 12/10/2009; Drink Drive Crackdown, BBC News, 12/10/1984; Breakfast Time – Drink Driving at Christmas, BBC News, 14/03/2020

On this Talking Real Money episode, Don and Tom tag-team one of the biggest financial myths around: your house as a retirement plan. With over $35 trillion locked in U.S. home equity, they challenge the idea that owning a home equals wealth. From the emotional pull of mortgage payoffs to the liquidity traps of reverse mortgages and HELOCs, the duo breaks down the risks, rewards, and real returns of homeownership. Then it's on to listener questions about IRAs, 401(k)s, rollovers, and... fiber (yes, the breakfast and internet kind). And they end with a little brag—because 154,000 monthly listeners can't be wrong. 0:04 $35 trillion tied up in homes—does that make us rich or just house-poor?1:20 Post-COVID home equity boom: 80% growth, but at what cost?2:53 Renting vs. buying: the case for liquidity over bricks3:44 Property tax pain for retirees and why Florida isn't so tax-free after all4:21 Mortgage payoff: emotional win, financial mistake?5:48 Why home equity shouldn't be your retirement income plan6:37 Housing's historic returns: barely 3% pre-inflation7:54 Forced savings illusion and the real cost of home improvements8:45 If you'd invested instead of buying… you'd have more9:35 Reverse mortgages, HELOCs, and why it's harder to get cash out10:19 Home equity lines now ~8%—not cheap or easy to get12:30 Big picture: don't include home equity in your retirement spending plan14:05 Florida vs. California: which really costs more to live in?16:38 Insurance, taxes, and Florida's fraud problem18:50 Listener Q: Can you do both an IRA and a 401(k) in the same year? (Yes.)20:40 IRA vs. 401(k): pros, cons, and personal strategy22:53 Listener Q: Should we roll an old 403(b) to a Roth IRA?23:44 Talking Real Money's audience numbers: brag-worthy and booming25:19 Retirement prep tip: match income to lifestyle before you retire Learn more about your ad choices. Visit megaphone.fm/adchoices

“The prudent sees danger and hides himself, but the simple go on and suffer for it.” – Proverbs 22:3That verse reminds us that wisdom means planning ahead, especially when it comes to life's most serious emergencies. If something were to happen to you, would your family know how to manage the finances, pay the bills, or access important documents? Today, Dr. Art Rainer joins us to walk through how to create a financial emergency binder.Dr. Art Rainer is the founder of the Institute for Christian Financial Health and Christian Money Solutions. He is a regular contributor here at Faith & Finance and the author of Money in the Light of Eternity: What the Bible Says about Your Financial Purpose.Why Planning Ahead MattersLife is full of unexpected turns, and while we trust God in all things, wisdom calls us to prepare, especially when it comes to our finances and family care.Consider the questions every household should be able to answer:What happens if you or your spouse is hospitalized?Would someone know how to manage your bills and care for your children?If you were to pass away unexpectedly, would your family know where to find your vital documents?Sadly, many families are left overwhelmed and directionless in moments of crisis because these preparations were never made. Yet this kind of confusion can be avoided through a simple but powerful step: organizing essential information before it's urgently needed.The Power of an Emergency BinderAn emergency binder is a centralized location—digital and physical—where your most critical information is stored. This includes:Financial accounts and passwordsMedical records and contactsInsurance informationBill due dates and utilitiesFuneral wishesChildcare instructionsAnd more.Preparing an emergency binder may not feel urgent, but when the unexpected happens, it becomes priceless. Organizing your household's key information is a tangible expression of love, wisdom, and care. It's a simple act of stewardship that offers comfort, clarity, and care when it matters most.How to Get StartedCreating an emergency binder might sound overwhelming, but it doesn't have to be.Here's a simple approach: work on one section at a time. Set aside 30 to 60 minutes a day to focus on gathering the necessary documents for each category. This bite-sized method turns a daunting project into a doable one.And once it's complete? Print it out. A red three-ring binder is a wise choice for easy identification in an emergency. Store it in a secure, fireproof location, and ensure that your loved ones are aware of its location. It's also wise to keep a digital backup, securely stored and shared with trusted family members.If you're thinking, “I wish someone would just do this for me,” you're in luck. Art and his team have created The Essential Emergency Binder—a beautifully designed resource with over 60 pages of templates and instructions to help you get started quickly and confidently.You can find it at EssentialEmergencyBinder.com.On Today's Program, Rob Answers Listener Questions:I want to consolidate our investments. We have a pension, Social Security, Roth IRAs, a 401(k), and traditional IRAs at two different financial institutions. Is it better to have everything in one place?I'm concerned about how my church is spending its tithe money on items like a drum set and library donations, rather than traditional ministries. Is this the right way for a church to use funds?I've received a six-figure inheritance from my uncle in Florida, which includes checking, savings, a money market account, and a Lutheran annuity. I would like to confirm that there is no inheritance tax in Ohio. I'm considering investing the money in CDs through my bank's Certificate of Deposit (CD) program. Can you confirm the tax situation and advise me on this approach?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly MagazineEssential Emergency BinderWisdom Over Wealth: 12 Lessons from Ecclesiastes on Money (Pre-Order)Look At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

Contact your hosts: https://taplink.cc/morelandequitycapital Welcome to Get Diversified, where hosts Jacqueline and Melvin Landry empower listeners to take control of their financial future. With real-life experience and deep industry insight, they explore the tools and strategies that help investors grow and protect their wealth.In this episode, Jacqueline and Melvin break down the world of self-directed IRAs — what they are, how they work, and why they offer greater freedom than traditional retirement accounts like the 401(k). They walk you through the process of rolling over funds, choosing the right custodian, and investing in alternative assets like real estate, private equity, and even cryptocurrency.If you're tired of watching your retirement account stagnate and want to explore new ways to make your money work for you, this episode is a must-listen. Discover how to diversify your portfolio, outpace inflation, and take full ownership of your investment future.

If you're like many Americans, the bulk of your retirement savings likely sits in tax-deferred accounts like 401(k)s and IRAs. But when tax rates rise—as many experts predict they will—how much of your hard-earned money will you actually get to keep? With the national debt growing at an unsustainable pace and entitlement programs placing increasing pressure on the federal budget, significant tax increases appear inevitable. In this episode, we're honored to welcome David McKnight—nationally renowned tax expert and bestselling author of The Power of Zero, Tax-Free Income for Life, and The Guru Gap. David draws from years of experience and collaboration with leading tax authorities, including insights from his documentary film The Power of Zero: The Tax Train Is Coming. America has made financial promises it simply can't keep. With the national debt projected to hit $62 trillion by 2034, no combination of tax hikes or spending cuts appears capable of reversing the course. The “tax train” is coming—and retirement savers must prepare. One of the most powerful tools for protecting your retirement income is converting tax-deferred accounts to Roth IRAs. Doing so—particularly within favorable brackets like the 24%—can dramatically reduce your long-term tax exposure. But it must be done strategically to avoid unnecessary tax consequences. In this episode, we explore: Rising Taxes as a Retirement Risk Strategic Tax Planning for Retirement Strategic Roth Conversions Why Timing – especially before 2034 – is critical As an independent & full-service financial planning firm, Wise Wealth gives truly objective advice. If you want a retirement plan tailored to your goals and your future, we're here to help.

In this mailbag episode, Brad and Rachael dive deep into strategies for efficiently withdrawing money from taxable brokerage and retirement accounts. With a focus on understanding the different tax treatments associated with these accounts, listeners gain crucial insights into managing tax liabilities for retirement. Key Takeaways Different Types of Accounts: Taxable brokerage accounts versus traditional IRAs and 401ks have distinct tax consequences affecting retirees. Tax Treatment: Withdrawals from traditional retirement accounts are taxed as ordinary income, while long-term capital gains from taxable accounts are taxed at a lower rate. Strategic Tax Planning: Employing strategies such as Roth conversions and tax gain harvesting can significantly minimize tax impacts during retirement. Investment Placement: It's vital to manage tax-efficient placements for investments, especially during retirement. Timestamps 00:00:00 - Podcast Intro: Introduction to the episode topic. 00:04:36 - Taxable Brokerage Accounts vs Traditional Accounts: Discussion on the terminology and tax implications. 00:09:59 - Tax Strategies and Opportunities: How to minimize taxes in retirement using investments. 00:23:10 - Roth Conversions Explained: Understanding the benefits of converting retirement accounts. 00:48:13 - Conclusion and Future Topics: Wrap up and upcoming episode topics. Key Insights Tax Treatment of Withdrawals: Withdrawals from a traditional IRA are taxed as ordinary income. (00:04:36) Understanding Taxable Brokerage Accounts: "Taxable brokerage accounts" may be better understood as your basic savings or investment accounts. (00:05:07) Investment Strategies: Use tax-advantaged accounts to defer taxes on income. (00:09:59) Minimize taxes with proper investment placements and strategies like tax gain harvesting. (00:23:10) Roth Conversions: Roth conversions allow you to transfer pre-tax retirement accounts into a Roth IRA and pay taxes on the converted amount, providing tax benefits later. (00:26:56) Actionable Takeaways Understand Account Types: Familiarize yourself with the differences in tax treatment between taxable brokerage accounts and traditional retirement accounts. (00:04:36) Maximize Tax Efficiency: Consider implementing Roth conversions to streamline taxes during retirement. (00:26:56) Tax-Efficient Investments: Be strategic about investment placements—opt for tax-efficient funds to minimize taxable income. (00:23:10) Related Resources Kitcis Article on IRA Strategies: Read here (00:52:55)   Rachael Camp   Please note: Rachael Camp offers advisory Services through Creative Financial Designs, Inc., a Registered Investment Adviser, and Securities are offered through cfd Investments, Inc., a Registered Broker/Dealer, Member FINRA & SIPC, 2704 S. Goyer Rd., Kokomo, IN 46902. 765-453-9600. Camp Wealth is not affiliated with the CFD companies.

In this episode of Beer and Money, Alex Collins discusses the intricacies of converting traditional IRAs to Roth IRAs, including the types of conversions, strategies for implementation, and the tax implications involved. He emphasizes the importance of consulting with tax advisors and financial planners to navigate these decisions effectively. The conversation also covers the timing of conversions, potential costs, and unintended consequences as individuals approach retirement. Check out our website:  beerandmoney.net For a quick assessment of your current financial life go to: https://www.livingbalancesheet.com/lbsVision/lite/RyanBurklo Check out your tax rate (the site Alex mentioned): https://data.qz.com/2012/yourtaxrate/ Takeaways Conversions can be from traditional IRA to Roth IRA. Non-deductible contributions can be converted tax-free. Pre-tax conversions will incur tax liabilities. Timing conversions during low-income years is beneficial. Understanding historical income levels aids in planning. Most people remain in the same or higher tax bracket in retirement. Calculating the cost of conversions is crucial. Medicare costs can be affected by conversions. Consulting with professionals is essential for tax strategies. Unintended consequences can arise from poor planning. Chapters 00:00 Introduction to Conversions 01:24 Types of Conversions Explained 03:25 Strategies for Converting to Roth 04:40 When to Consider Conversions 07:12 Understanding Tax Implications 09:29 Calculating Costs of Conversion 11:43 Unintended Consequences Near Retirement  

In this episode, Janet Michael, host of The Valley Today, spoke with Jenny Grooms, the Executive Director for the foundations of Valley Health, about the innovative Stronger Together campaign. This initiative aims to enhance various aspects of healthcare in the Valley Health system, focusing on mental health, heart health, and extending care accessibility. Valley Health, a nonprofit health system, relies on its foundation to segregate charitable dollars from operational funds. Jenny highlighted their recent projects at Warren Memorial Hospital, which features recreational trails and the Bedside Connect program. These initiatives underscore the dual importance of physical and mental well-being for both patients and healthcare staff. The trails offer a mental respite for the staff, while Bedside Connect minimizes the need for families to travel, allowing remote interactions with patients and doctors. The Stronger Together campaign addresses three primary pillars - mental health, heart health, and accessibility. The mental health aspect emerged from a community health needs assessment, identifying mental health as a top priority. Plans include building a mental health pavilion with comprehensive outpatient programs. For heart health, the campaign will expand the heart and vascular center, adding procedure rooms and new technologies to improve treatments for conditions like atrial fibrillation. The accessibility pillar focuses on creating a mobile fleet for health clinics and mammography to reach underserved rural areas. Valley Health is leveraging technology to bring healthcare directly to the community. The mobile mammography unit and the mobile health clinic are ground-breaking initiatives designed to overcome the barriers of distance and transportation, which are significant issues in the rural region. The mobile units offer services such as screenings and telehealth consultations, making it easier for individuals to receive timely care without the stress of extensive travel, thereby promoting better health outcomes. Funding for the Stronger Together campaign has been a community-driven effort. The campaign, with an ambitious goal of raising $20 million over three years, has already secured $17.1 million during its initial phase. Contributions have come from various avenues such as individual donors, grants, and matching funds. Valley Health emphasizes flexible giving options, allowing donors to contribute through methods like IRAs, stocks, or even estate inclusion. Jenny explains that charitable giving not only benefits the community but also offers tax advantages to the donors. She encourages those interested to visit Valley Health's website for detailed information and to explore diverse giving options. The heartfelt conversation also shed light on how Valley Health ensures transparency and efficiency in utilizing donations. The collaborative efforts from medical staff, businesses, and community members are pivotal in achieving the campaign's goals. Such collective participation underscores the campaign's theme - being stronger together. Jenny affirmed that every contribution, no matter how small, plays a significant role in providing better healthcare infrastructure and services. For more information or to make a contribution, community members are encouraged to visit Valley Health's website at valleyhealthlink.com/stronger. The online portal offers easy navigation to learn more about the campaign, its impact, and how to get involved.

In our latest episode of Connecting the Dollars, Amanda Vaught and Emily Agosto dive deep into the upcoming tax law changes for 2025. If you're keen on staying informed about what might happen with 401(k) plans, IRAs, and more, this episode is a must-listen.

Andy Schectman returns to the program for an urgent conversation about a growing scandal in the precious metals industry. He exposes widespread fraud involving self-directed IRAs, where unsuspecting investors are losing their life savings due to unethical practices by corrupt precious metals dealers. Andy breaks down how these schemes work and what investors need to know to protect themselves. We also explore the broader economic implications, including the cantilever effect and the increasing wealth disparity between the top 1% and the rest of society—highlighting how systemic manipulation is reshaping the financial future of everyday Americans.Contact Andy's team to protect your life savings and to get access to the private price list at https://SarahWestall.com/MilesFranklin

Seems we can't go through an hour without hearing news about artificial intelligence these days. There are a lot of exciting developments, and some of the most exciting when thinking about space are coming from the USRA's Research Institute for Advanced Computer Science (RIACS), which is on the cutting edge of the cutting edge. In this episode, we're speaking with the institute's director, Dr. David Bell, who will walk us through the differences between current AI, agentic AI, and--are you ready?--quantum-powered AI, and their current and future potential to revolutionize space exploration and development. Join us!Headlines Trump budget cuts: The Trump administration's fiscal 2026 "skinny" budget proposes slashing NASA's funding by $6 billion—24 % of its current $24.8 billion—threatening SLS, Orion, Gateway, and Mars Sample Return programs. Planet 9 revival: Scientists re-examining 1980s IRAS and 2006–2011 Akari infrared data have uncovered new gravitational signatures suggesting a hidden Planet 9 at ~700 AU, bringing the search closer to confirmation. Speed-round catch-up: NASA's Psyche asteroid mission is battling low fuel pressure; the decades-old Soviet Cosmos 42 Venus probe is slated to re-enter around May 10; and a recent poll finds over half of Gen Z and millennials believe in alien cover-ups. Main Topic – AI in Space with Dr. David Bell USRA & QuAIL overview: Dr. Bell outlines USRA's Research Institute for Advanced Computer Science (RIACS) and its Quantum Artificial Intelligence Lab—a collaboration with Google and NASA Ames driving AI and quantum computing integration in space missions Career path & pivotal shifts: With 20+ years at USRA and a prior decade at Xerox PARC, Bell traces AI's journey from 1959's first neural nets to the 2017 transformer breakthrough that sparked today's LLM revolution. Early AI successes: AutoClass's unsupervised learning on the 1980s IRAS mission discovered a new class of infrared stars, and ExoMiner's deep-learning engine has since validated over 300 exoplanets from Kepler data. Agent-based autonomy: USRA deployed mobile agents on the ISS to automate file transfers and Deep Space One's Remote Agent performed onboard planning, execution, and anomaly recovery in deep space during the 1990s. Evolution of planning & scheduling: The Europa planning engine—used daily for Mars rovers—has evolved into SPIFe (Spiffy) and real-time collaborative "playbook" apps, optimizing workflows on both robotic and crewed missions. Natural language interfaces: Clarissa, a precursor to Siri deployed on the ISS five years before commercial voice assistants, let astronauts query and navigate complex procedures by voice. Robotic assistants: Projects like Astrobee free-flying robots on the ISS and analog-terrain rover simulations demonstrate how AI-driven machines can support astronauts in exploration and maintenance tasks. Foundation models for Earth & space: USRA's Generative AI Lab is building multipurpose foundation models on global satellite data that now outperform traditional numerical simulations—forecasting weather faster and more accurately. Workforce development: Through the Feynman Quantum Academy and NASA-integrated data science curricula, USRA immerses students These show notes have been truncated due to length. For the full show notes, visit https://twit.tv/shows/this-week-in-space/episodes/159 Hosts: Rod Pyle and Tariq Malik Guest: Dr. David Bell

Is traditional retirement keeping you trapped instead of setting you free? Joining us today is Russ Morgan, co-founder of Wealth Without Wall Street. Russ shares his powerful journey from certified financial planner, turned real estate investor, and reveals why traditional financial planning often leads to frustration, and not freedom. Russ dives into understanding your unique "Investor DNA," and building passive income streams that align with your strengths and goals rather than blindly following Wall Street narratives and conventional reliance on 401(k)s and IRAs.  If you like this episode, here are more episodes we think you'll enjoy: Ep #532 - David McAlvany – Recession and Reindustrialization: Investing Wisely in a Time of Transformation Ep #518 - Mathew Owens – Real Estate Reality Check: Strategies, Caution, and Cash Flow for Today's Market Check out the show notes for more information! P.S. Whenever you're ready, here are some other ways I can help fast track you to your Freedom goal (you're closer than you think): 1. Schedule a Call with My Team: If you'd like to replace your active practice income with passive investment income within 2-3 years, and you have at least 1M in available capital (can include residential/practice equity or practice sale), then schedule a call with my team. If it looks like there is a mutual fit, you'll have the opportunity to attend one of our upcoming member events as a guest. 2. Become a Full-Cycle Investor: There are many self-proclaimed genius investors today who think everything they touch turns to gold. But they're about to learn the hard way what others have gained through “expensive” experience. I'm offering a free report on how to become a full-cycle investor, who knows how to preserve and grow capital in Up and Down markets. Will you be prepared when the inevitable recession hits? Get your free report here. 3. Get Your Free Retirement Scorecard: Benchmark your retirement and wealth-building against hundreds of other practice professionals, and get personalized feedback on your biggest opportunities and leverage points. Click here to take the 3 minute assessment and get your scorecard.

On this episode of Ask KT and Suze Anything, Suze answers questions about beneficiaries of IRAs, student loans, filing taxes as a married couple and so much more. Jumpstart financial wellness for your employees: https://bit.ly/SecureSave Try your hand at Can I Afford It on Suze’s YouTube Channel Protect your financial future with the Must Have Docs: https://bit.ly/3Vq1V3GGet your savings going with Alliant Credit Union: https://bit.ly/3rg0YioGet Suze’s special offers for podcast listeners at suzeorman.com/offerJoin Suze’s Women & Money Community for FREE and ASK SUZE your questions which may just end up on the podcast. Download the app by following one of these links: CLICK HERE FOR APPLE: https://apple.co/2KcAHbH CLICK HERE FOR GOOGLE PLAY: https://bit.ly/3curfMISee omnystudio.com/listener for privacy information.

La tertulia semanal en la que repasamos las últimas noticias de la actualidad científica. En el episodio de hoy: Cara B: -Fotosíntesis artificial (continuación) (00:00) -Einstein 100 (16:44) -CMS (LHC) observa el toponio (toponium) (37:44) -Un candidato a Planeta 9 de IRAS y AKARI (51:44) -Señales de los oyentes (1:34:44) Este episodio es continuación de la Cara A. Contertulios: Juan Carlos Gil, José Edelstein, Francis Villatoro, Héctor Socas. Imagen de portada realizada con Midjourney. Todos los comentarios vertidos durante la tertulia representan únicamente la opinión de quien los hace... y a veces ni eso

From zero to over $7M in self-storage assets—discover how two powerhouse women did it. In this insightful episode of the Hero Capital Show, Christy Brock and Margot Kennedy of WIIRE reveal how they pivoted from multifamily to self-storage and built a thriving commercial real estate portfolio—all while raising over $14M in capital. They break down their path from early missteps to mastering capital raises, securing seller-financed deals, and building long-term investor trust. Learn how they structured JV partnerships, overcame investor hesitation post-COVID, and now lead a momentum-driven acquisition pipeline of mom-and-pop self-storage properties with strong cash flow and recession resistance. If you're serious about scaling smart and partnering with credible operators, this is the blueprint. Top 5 Key Takeaways:Why Self-Storage Wins: Christy and Margot favor self-storage over multifamily due to easier operations, better risk management, and faster CapEx execution.Lessons from a $6M Raise Gone Sideways: Christy recounts wiring back nearly $6M due to a failed raise, sharing hard-won insights on investor alignment and structure.Credibility Through Transparency: The duo prioritizes real-time investor updates—even when things go wrong—to foster trust and long-term relationships.Investor Avatar Shift: Their ideal LPs are pre-retirees with capital in IRAs or 401(k)s, seeking cash flow, security, and diversification outside of volatile stocks.Team Sport Scaling: They emphasize partnerships with fund managers and others in the HERO community to raise faster, scale smarter, and close more deals.About Tim MaiTim Mai is a real estate investor, fund manager, mentor, and founder of HERO Mastermind for REI coaches.He has helped many real estate investors and coaches become millionaires. Tim continues to help busy professionals earn income and build wealth through passive investing.He is also a creative marketer and promoter with incredible knowledge and experience, which he freely shares. He has lifted himself from the aftermath of war, achieving technical expertise in computers, followed by investment success in real estate, management skills, and a lofty position among real estate educators and internet marketers.Tim is an industry leader who has acquired and exited well over $50 million worth of real estate and is currently an investor in over 2700 units of multifamily apartments.Connect with TimWebsite: Capital Raising PartyFacebook: Tim Mai | Capital Raising Nation Instagram: @timmaicomTwitter: @timmaiLinkedIn: Tim MaiYouTube: Tim Mai