Podcasts about irp

A decade ago, Zach Borton had a lightbulb moment when studying energy economics at Ohio State University: the grid was trending toward decentralization. That realization set him on a path that would eventually lead him to Colorado, where he now serves as DER services manager at Platte River Power Authority.Platte River's 2024 integrated resource plan includes an ambitious goal: 30 megawatts of virtual power plant capacity by 2030. But building a VPP across multiple utility territories isn't just about technology -- it's about coordination, customer engagement, and breaking down organizational silos.This week on With Great Power, Zach explains the technical architecture behind Platte River's VPP strategy, which relies on two interconnected systems: grid derms and edge derms. He also discusses the challenges of aligning five different organizations, the importance of seamless customer enrollment, and why he believes curiosity-driven leadership is his superpower in the energy transition.With Great Power is a co-production of GridX and Latitude Studios.  Subscribe on Apple, Spotify, or anywhere you get podcasts. For more reporting on the companies featured in this podcast, subscribe to Latitude Media's newsletter.Credits: Hosted by Brad Langley. Produced by Erin Hardick and Mary Catherine O'Connor. Edited by Anne Bailey. Original music and engineering by Sean Marquand. Stephen Lacey is executive editor. The Grid X production team includes Jenni Barber, Samantha McCabe, and Brad Langley.TRANSCRIPT:Brad Langley: Back in the early 2010s, apps skyrocketed in popularity. Apple had just launched its famous "There's an app for that" commercial, and within a few years, more than a million apps were available for download in the app store.Commercial clips: Ever wish you could really read people's emotions? Well, now there's an app for that. Don't have a great voice or any real musical talent? Well, there's an app for that too. You want to get the potholes filled? Well, there's an app for that. There's an app for that...Brad Langley: Zach Borton's family was right there with the rest of America, feverishly downloading apps to manage finances or track the weather or achieve personal fitness goals.Zach Borton: Fitbits were becoming popular and my mom and dad would all compete against different steps, and we wanted to bring that kind of competitive element to the energy space.Brad Langley: At the time, Zach was studying business and sustainability at The Ohio State University.Zach Borton: Most of my classmates were going down the road of corporate social responsibility, sustainability reporting, but I took an energy economics course and that kind of shifted my path.Brad Langley: As part of that course, Zach was presented with some graphics of the power system. One showed the traditional energy value chain with big centralized generation. Another showed the declining cost of rooftop solar and an upward trend for installations.Zach Borton: I realized at that moment we're going from this horse and buggy to car event. Every few generations will have that shift, and I wanted to be a part of that shift.Brad Langley: After graduation, Zach and two friends decided to launch their own energy-focused app, the idea was to show people the impact of their environmentally focused investments.Zach Borton: What we were trying to build is a visualization tool to track environmental metrics such as carbon saved or trees planted, and also kind of that competitive nature of seeing what your friends were investing, what types of projects they were investing in, and then competing with your friends or tracking that with your friends to drive that competitiveness.Brad Langley: Unfortunately, for Zach and his friends, their app didn't make millions, but it did motivate Zach to keep working on some of the big complex problems unfolding in the power sector. So he took a job at American Municipal Power in Columbus, Ohio.Zach Borton: I was a power supply engineer. There was learning kind of the nuts and bolts on how to serve a community with generation, really how to stack those assets for energy, capacity, and transmission. But really despite everything I was learning, I kept going back to those two graphics from that energy economics course.Brad Langley: He just couldn't get one question out of his head. How would the legacy power system interact with all these new DERs? And he wasn't the only one thinking about it.Zach Borton: There was utility of the future white paper coming out of MIT, and so we were really going through that and understanding rather than a centralized approach from these large generators, how can we hedge against energy, capacity, and transmission from within the load?Brad Langley: Once Zach locked into this problem, he just couldn't let it go. So he headed west to Colorado where he now works at a public power utility helping build a virtual power plant.Zach Borton: My job is to take distributed energy resources and make use of them as we transition to a non-carbon grid.Brad Langley: This is With Great Power, a show about the people building the future grid, today. I'm Brad Langley. Some people say utilities are slow to change, that they don't innovate fast enough, and while it might not always seem like the most cutting edge industry, there are lots of really smart people working really hard to make the grid cleaner, more reliable and customer centric. This week I'm talking to Zach Borton, the DER service manager at Platte River Power Authority, a public power utility that serves the communities of Estes Park, Fort Collins, Longmont, and Loveland in Colorado. Platte River provides wholesale electricity generation and transmission for its member communities, each of which has its own local electric utility. So a major part of Zach's job is figuring out how to build a VPP across all of those different utilities.Zach Borton: So each have their own technology suite, which makes integrations maybe a little bit more difficult. So we're all at different paths in this integration and technology suite, but getting there is going to require more collaboration and breaking down those silos.Brad Langley: I wanted to dive into the mechanics of building this kind of VPP, but first I asked Zach how the initiative came about and how Platte River planned to break down those utility silos. So let's dig into your work at Platte River. Platte River's 2024 Integrated resource plan includes 32 megawatts of VPP by 2030, which is a significant amount. Tell us about that project. How did the initiative come about?Zach Borton: Yeah, so it can all kind of go back to the 2018 resource diversification policy. In that policy, there's a few things that line out how we can get to a non-carbon future, but it really suggests better integration and coordination across the systems from the generation transmission system down to the distribution. So senior managers, utility directors, and a few different public engagement sessions really sparked this vision and guiding principles for a DER strategy. Next came kind of a gap analysis, so we tried to understand what systems we have today and what we need, and so this really showed us where we need to go with how to make this technology work. Finally, we got to that potential study, which you saw in the 2024 IRP. This showed us kind of the market size and the potential and really gives us a goal to hit. It tells us what types of programs we should run and where we should head into that 2030 mark that you said, 30 megawatts.Brad Langley: And what is your role as DER services manager on the project? What are you specifically tasked with?Zach Borton: It's really trying to coordinate and develop these programs with our owner communities. We can think about our strategy in two different approaches. It's really that best thinking available today, which you can see in the SEPA article Decoding DERMS. It's going to require two different systems, and that's the grid DERMS and the edge DERMS. But really I want to circle back to VPP isn't just a piece of software, it's a utility strategy. It's a system level approach that brings together people, technology and data to orchestrate this cleaner and more flexible grid.Brad Langley: So we've established there's two main components to this. There's the grid DERMS and there's the edge DERMS. Talk me through specifically what the grid DERMS is doing as well as what the edge DERMS is doing.Zach Borton: Absolutely, yeah. So we can think about the grid DERMS as the brain of the future utility operation. It's going to hold our network model. It's going to monitor the state of the distribution in real time, say watching for those stress points and identifying where flexibility could be made available. Some of this technology is in place today, but a lot of this needs to be developed over the next several years, whereas the edge DERMS manages the customer side. It's going to help us enroll devices into the programs, optimize them, and then deliver those optimized energy shapes, load shapes or blocks into the grid DERMS as kind of like, here's a block at this hour. Here's the shape that you can use here for this stress point, and together these two systems kind of coordinate those individual devices into actionable blocks.Brad Langley: Can you go into more detail in terms of what those components are? I assume it's a mix of hardware and software, but any specific technologies you're able to call out.Zach Borton: When we think about our owner communities, they're kind of laying the foundation for the grid DERMS for that distribution system awareness, whether that's smart metering, switching, things like that. We need to build out that process with our owner communities to bring in those data points and make that distribution grid a little bit more intelligent. We can think about the future of advanced distribution management. When we think about the edge DERMS, there's a lot of processes and people involvement: enrolling customers and engaging with those customers. Obviously there's a lot of software optimization on the backend, but that's where we lean on our partners.Brad Langley: So two distinct yet connected systems for owner communities. What kind of challenges are you either experiencing or do you foresee in making this program a reality?Zach Borton: There's quite a bit of challenges. I'd say one of our biggest challenges is aligning across the five organizations. It's sometimes hard enough to break down the department silos, but then breaking down the five organization department silos is really complicated. So everyone might agree on this goal of a functional customer friendly VPP, but getting there in sync is the hard part, which kind of brings us to the next challenge, which is a unified vision and consistency. Like I said, we have incredibly talented people working on this from all sides, but aligning on a common path with consistency is critical. We may ask, why is that so important? Well, we risk confusing the customer if we're changing things as we go or sending mixed messages. So we need to really build that trust and participation with our customers and our own communities. That brings us kind of to the third point, which is the customer patience and experience.We're building something new and with that comes unavoidable, really growing pains. So making the enrollment and engagement process as smooth as possible in that first year is going to be so important for us to scale to that 2030, 30-megawatt goal. And that's the last piece is that OEM maturity and industry coordination. Like OEMs are learning how to build and design for flexibility, but it's a learning curve and everyone's taken their unique approach. Whereas the utilities, I can call up a utility that has a similar goal to us and they'll share the lessons learned where I feel like some of the OEMs aren't sharing those lessons learned with each other.Brad Langley: It's an interesting point. We're big believers in partnerships in this space. I think partnerships are super important. Are you encouraging the OEMs to talk to each other? Because it's tricky, they might be competitive, but they're implementing similar programs, so lessons shared can be important. How do you navigate that? Are you finding openness for OEMs to be more collaborative or is it kind of a walled garden so to speak?Zach Borton: It seems like a walled garden, but I would like for all of us utilities to try to break that down and share like, Hey, we're trying to get to this non-carbon future and open up all of these opportunities for flexibility. And so I think if a lot of us will say that to the OEMs, maybe they'll start listening. So I think if we can band together and really get the OEMs to listen, we can get to this non-carbon flexibility future.Brad Langley: You mentioned you'll start enrolling customers early next year. Does that mean the project is complete? What are some of those stages or milestones that kind of happen before or after that? Maybe give us the one to two year look into the various stages of the program following customer enrollment?Zach Borton: Yeah, so I mentioned the two types of DERMS and there's kind of different working paths for each of those, but I'll kind of talk about the edge DERMS really enrolling customers there early next year. So I think we're breaking this strategy out into three different years. First year we really want to boost up the enrollment and awareness of these programs. So enrolling customers, boosting up satisfaction and increasing that program awareness. It's going to take many actions to get there, like streamlining that DER onboarding process and establishing incentive structures and engagement methods with our customer base. That's going to be critical for scaling the VPP all testing in that first year dispatches with a small number of megawatts and devices. In that next year, we're really going to be looking for analytics and post-event insight, so leveraging event data to better understand how we're forecasting and modeling DR.So we're going to lay out the infrastructure needed to capture dispatch data and analyze that across the systems, whether it's on the distribution or the generation transmission system. And then that third year is going to be building out scale. To get to that 2030 goal in the third year, we're really going to be trying to grow those legs and pick up our speed, and it's all going to be about scalability of the dispatch and optimization. I think this is where the edge DERMS becomes integrated with the grid DERMS. So as the grid DERMS is getting intelligent and connecting to all of those devices in the field, we'll build out that integration to kind of build this full VPP fully integrated using those historical insights. And really in that year, we start to see the real time grid data and the integrations.Brad Langley: How did the customers react to the VPP announcement? Are they excited about the prospect of integrating this type of technology? What was their overall sentiment towards the program when it was announced?Zach Borton: Yeah, absolutely. There's a lot of excitement around this. When we think about our customer base, they love technology. We have a lot of EVs in our service territory. We have a lot of solar. We're starting to see that solar being paired with storage. So I think there's a lot of interest in helping us get to that non-carbon goal. And it's really the foundation we've built over the past 50 years, our community ownership, our collaborative mindset, and a long-term vision. We're not just building it alone, we're building it with our members, our partners, and every customer who chooses to be part of the solution. And it's really great to see a lot of those customers show up to the stakeholder meetings and suggest really great ideas to get to this VPP.Brad Langley: How many customers are you initially targeting and what's the scale of that look like over time?Zach Borton: Yeah, so the first few years, our big focus is on seamless integration, enrollment and engagement with those customers. We're going to most likely start within three different program groups, so EVs, batteries and thermostats and expand offerings from there. We hope to have roughly one megawatt in that first year, but again, I want to focus mostly on building out the seamless enrollment process and engagement. We can't build that 30 megawatts by 2030 without the customers and the devices, so having that poor engagement or poor enrollment process isn't going to help us scale. So we really need to build out the processes we have and kind of scale up to that 30 megawatt number by 2030.Brad Langley: Well, hey, we call this show With Great Power, which is a nod to the energy industry. It's also a famous Spider-Man quote. With great power comes great responsibility. So Zach, what superpower do you bring to the energy transition?Zach Borton: That's a really great question. I would say that curiosity-driven leadership. I'm highly adaptable and I have this ability to connect with all types of people, meet them where they're at, and build that real trust through kind of empathy, curiosity. I find common ground and help bring out the best in others, whether it's a technical person, strategic customer focus, I know how to relate and inspire those folks and share a sense of purpose. The ability to connect with folks is key when bringing together a diverse team with the single vision that we have.Brad Langley: And I'd add a great sense of fashion. I know our listeners can't see it, but I love the VPP hat you're rocking. It's right on point. So nicely done with that. Well, Zach, thank you so much for coming on the show and we wish you the best of luck with the program.Zach Borton: Yeah, thank you. I appreciate you having me, Brad.Brad Langley: Zach Borton is the DER service manager at Platte River Power Authority. With Great Power is produced by GridX in partnership with Latitude Studios. Delivering on our clean energy future is complex. GridX exists to simplify the journey. GridX is the enterprise rate platform that modern utilities rely on to usher in our clean energy future. We design and implement emerging rate structures and we increase consumer investment in clean energy all while managing the complex billing needs of a distributed grid. Our production team includes Erin Hardick and Mary Catherine O'Connor. Anne Bailey is our senior editor. Steven Lacey is our executive editor. Sean Marquand composed the original theme song and mixed the show. The GridX production team includes Jenni Barber, Samantha McCabe, and me, Brad Langley.If this show is providing value for you and we really hope it is, we'd love it if you could help us spread the word. You can rate or review us on Apple and Spotify, or you can share a link with a friend, colleague, or the energy nerd in your life. As always, we thank you for listening. I'm Brad Langley.

[고민사연] 안녕하세요. 연말정산 세액공제를 받기 위해 개인 IRP를 가입해 900만원을 납부하고 있습니다. 연금저축과 IRP를 합산해 900만원까지 세액공제를 받을 수 있다고 들었는데요, 연금저축과 IRP를 모두 가입해서 각각 최대 한도로 납입하는 것과, IRP만 가입해서 최대 한도로 납입하는 것이 어떤 차이가 있는 건가요? 각각 가입하는 게 좋은 건지, 아니면 지금처럼 IRP만 가입을 하는 게 좋은 건지 궁금합니다. 그리고, 현재 IRP로는 원금 보장이 되는 은행 정기예금 상품을 가입하고 있는데요, IRP내에서 가입한 상품을 5년 이상 유지해야 연금을 받을 수 있는 것인지, 계좌를 개설 한 후 5년이 지나야 연금을 받을 수 있는 것인지도 궁금합니다.

[고민사연] 안녕하세요? 이번에 연말정산을 해보니 고민이 생겨 문의 드립니다. 저는 공무원으로 재직 중인 미혼 40대 여성으로, 기존에 연금저축보험에 20만 원씩 10년간 완납하였고, 현재는 공무원 행정공제회에 노후자금 목적으로 70만 원씩 저축하고 있습니다. 행정공제회가 다른 연금이나 노후대비 상품보다 나을 것 같아 유지 중인데, 이번에 주변 사람들이 연말정산으로 환급 받은 금액을 보니 고민이 됩니다. 저는 미혼이라 인적공제 대상이 없다보니 연말정산 환급금이 거의 0원에 가까워서요. 이런 경우 IRP를 가입해서 한 달에 50~60만 원 정도를 납입하는 것이 좋은지, 아니면 행정공제만을 유지하는 것이 괜찮은지 알고 싶습니다.

In the latest Security Sprint Dave and Andy covered the following topics:Warm Open:• Health-ISAC: European Hobby Exercise 2024 After Action Report• Peters and Rounds Introduce Bipartisan Bill to Extend Information Sharing Provisions That Help Address Cybersecurity Threatso Bill extends cyber threat info-sharing between public, private sectoro Exclusive: Peters, Rounds tee up bill to renew expiring cyber threat information sharing lawo CRS: The Cybersecurity Information Sharing Act of 2015: Expiring Provisions, 08 Apr 2025Main Topics:Scams:• FBI PSA: FBI Warns of Scammers Impersonating the IC3• Foreign intel job scams target current, former DoD employees• Take9JCAT First Responders Toolbox. Third-Party Security Critical to Safeguarding Public Gatherings From Terrorist Threats UK: Law firm fined £60,000 following cyber attack. “enabled cyber hackers to gain access to DPP's network, via an infrequently used administrator account which lacked multi-factor authentication (MFA)”BakerHostetler: Ready and Resilient in the Data-Driven Age. Half Measures ≠ Effective Prep. Your organization finally prepared an IRP and a BCP. That's great! But have you actually implemented and then tested these plans? (At Gate 15, we're a bit partial to this finding. Need to exercise and test those plans? Contact our team today to schedule your next workshop, tabletop, drill or other exercise!)The Weather Channel - 2025 Hurricane Season Outlook: Not Quite 2024, But Above-Average US Landfall Threat. The 2025 Atlantic hurricane season may not be as active as last year, but the threat of U.S. landfalls remains higher than average, according to a just-released outlook issued by The Weather Company and Atmospheric G2. • Colorado State University's tropical forecast team.• Tornado-producing storm deals deadly weather to Oklahoma and Texas• FEMA Isn't Ready for Disaster Season, Workers SayQuick Hits:• Abusing Data in the Middle: Surveillance Risks in China's State-Owned Mobile Ecosystem & 35 countries use Chinese networks for transporting mobile user traffic, posing cyber risks• Florida State shooting: 2 dead, sheriff's deputy's son in custody & How a security gap at FSU heightened students' fears even with the speedy police response• Bot Traffic Surpasses Humans Online—Driven by AI and Criminal Innovation• CISA Releases Guidance on Credential Risks Associated with Potential Legacy Oracle Cloud Compromise • Canadian Centre for Cyber Security Resources:o Security guidance for dark web leaks (ITSAP.00.115)o Search engine optimization poisoning (ITSAP.00.013)

This week on Driving Law, Kyla Lee and Paul Doroshenko unpack a string of bizarre and troubling driving incidents across the Lower Mainland, painting a picture of rising chaos on the roads. They start with the Abbotsford Police Department's unexpected spring impaired driving blitz, prompted by a sharp spike in immediate roadside prohibitions. Kyla dives into the numbers and floats a theory: it's not just more enforcement—it's that people are turning to alcohol in response to economic stress and social instability. From there, they discuss a rash of road rage incidents in Richmond—including bear spray and a visible airsoft gun—as well as an impaired driving case in Kitsilano involving a child in the vehicle and multiple collisions, where police issued an IRP but are also recommending criminal charges. Kyla and Paul dissect the legal inconsistencies and the concerning lack of due process in BC's administrative driving penalties. They also tackle a high-stakes car chase in Vancouver's West End involving armed teens in an allegedly stolen Tesla, and the growing public scrutiny around police tactics thanks to social media and bystander video. And throughout it all, the hosts reflect on the erosion of visible traffic enforcement post-pandemic, linking the recent uptick in reckless behaviour to a sense that “no one is watching.” With no shortage of wild driving behaviour this week, Ridiculous Driver of the Week goes to… everyone. Check out the "Lawyer Told Me Not To Talk To You" T-shirts and hoodies at Lawyertoldme.com and "Sit Still Jackson" at sitstilljackson.com.

[고민사연] 안녕하세요. 노후대비를 위해 2개의 연금보험에 가입했는데요. 월 100만 원씩, 10년간 총 2억 4천만 원을 이미 완납했고, 다른 하나의 연금저축보험에도 월 25만 원씩 10년간 총 3천만 원을 완납한 상태입니다. 또, IRP계좌에는 지금까지 7천만 원 정도를 납입했고, 퇴직 전까지 세액공제를 위해 매년 900만 원씩 납입할 계획입니다. 여기에 회사의 퇴직연금 계좌에는 약 1억 원 정도가 쌓여있고, 매년 800만 원 가량이 추가되고 있습니다. 나중에 개인연금 수령액이 연간 1500만 원을 초과하면 세금폭탄을 맞을 수도 있다고 들었는데요, 55세부터 일찍 수령하는 게 좋다는 얘기가 있는 반면에, 늦게 수령할 수록 세율이 낮아져서 이익이라는 얘기도 있어 무척 혼란스럽습니다. 또, 연금보험은 10년 이상 가입하면 비과세라서, 개인연금 수령액에는 포함되지 않는다는 말도 있고요...?개인연금 수령액에 포함되는 연금은 어떤 것들인지, 종합적으로 저는 각각의 연금들을 언제부터 어떻게 수령하는 것이 좋을지 궁금합니다.

[고민사연] 안녕하세요. 자녀에게 증여한 돈을 어떻게 불려줘야할지 고민이 돼서 사연 보냅니다. 현재 미국 주식과 금현물을 분산해서 넣어둔 상태입니다. 미국 주식은 연 250만 원 이상 수익이 나면 세금을 내야 돼서 ISA를 가입해주고 싶은데 미성년자는 가입이 불가능하다고 하네요. 대안으로 연금저축펀드가 가입 가능하다고 하던데요, 어떻게 하면 연금저축펀드를 가입할 수 있고, 어떤 상품에 투자할 수 있는지 궁금합니다. 그리고 연금저축펀드와 IRP, ISA에 대해서 각각의 투자방법과 투자 가능한 상품, 과세방식과 가입기간도 자세히 알고 싶습니다.

[고민사연] 안녕하세요. 개인연금과 IRP를 합산해서 총 1800만 원까지 불입할 수 있고, 그 중 900만 원까지만 연말정산 때 세액공제를 받을 수 있는 것으로 알고 있습니다. 세액공제 한도를 초과해서 불입한 900만 원에 대해서는 언제든지 인출할 수 있다고 들었구요. 제가 궁금한 점은, 개인연금과 IRP 계좌 내의 배당금은 배당소득세를 부과하지 않는다고 하던데... 그렇다면 세액공제를 받지 않을 900만 원을 추가로 넣어 배당 ETF에 투자한 다음, 세금 없이 배당금을 받은 뒤 인출하는 것도 가능한 걸까요? 배당소득세를 공제하지 않고 들어오는 배당금만큼 개인연금계좌에서 인출할 수 있다면, 이론적으로는 세금을 내지 않고 배당ETF를 투자할 수 있는 방법 같은데 이게 가능한 건가요? 900만 원에 대한 배당금이 크지 않을 수도 있지만, 이렇게 매년 쌓이다 보면 나중에는 큰 돈이 될 것 같은데, 이런 방법이 가능한 건지 궁금합니다.

Georgia Power (owned by Southern Company) updated its IRP and is sending environmental activists into a tizzy.Join the Patreon here: https://www.patreon.com/PeterZeihanFull Newsletter: https://mailchi.mp/zeihan/coal-remains-essential-for-us-electricity

What are public utility commissions (PUCs)? In the transition to clean energy, state public utility commissions (PUCs), which regulate electric, gas, telecommunications, water and wastewater utilities, play an increasingly important role in achieving energy efficiency, enabling renewable energy, and implementing policies for greenhouse gas emissions reduction. PUCs  play a pivotal role in determining the energy mix, setting rates, and deciding on investments in infrastructure, such as electric vehicle (EV) charging stations. The California Public Utilities Commission (CPUC), for example, has to balance  safety, reliable utility service, and reasonable rates through the regulation of various large investor-owned electric, natural gas, and water utilities. Utility commissions like CPUC are given a statutory mandate to ensure reasonable, adequate and efficient service to customers at just and reasonable prices. PUCs can issue regulations that impact electricity generation, the adoption of clean energy, and related emissions of pollutants and GHGs. PUCs can play an important role in shaping energy infrastructure, policy, and clean energy development.The Role PUCs play in shaping energy infrastructurePUCs were first created in the early 20th century to focus on overseeing operations and the utility investment in service while ensuring affordable rates. That role has evolved, and now PUCs often play a transformative role in transitioning towards a greener economy. PUCs have the ability to consider the impacts of GHG emissions, equity, grid reliability, distributed energy resources, and increased consumer choices in their policy decisions. PUCs oversee planning processes that affect a utility's resource portfolio and therefore its environmental profile. A new method of planning amongst PUCs has emerged known as Integrated Resource Planning (IRP), which compares the life cycle costs of different resource choices that factor energy efficiency into their analysis. Portfolio standards have also been added to IRP, which requires certain types of resources to be included in the utilities' mix of power procured, including renewable energy and energy efficiency. PUCs can also incorporate environmental considerations by increasing oversight of utility planning processes, setting prices, determining clean energy targets, and addressing utility incentives related to energy efficiency and distribution. PUCs thus have the ability to promote and shape clean energy adoption and development through their regulatory oversight. The Case for PUCsState PUCs have significant authority, often includingI the ability to accelerate decarbonization of the energy sector, mitigate the impacts of climate change, improve public health, and assist in reaching state energy goals. Updated PUC statutory mandates that reflect state energy priorities can contribute to their success in transforming the energy grid to become more energy efficient. Energy efficiency is a cost-effective mechanism to meet future demand for electricity. Energy efficiency reduces the amount of electricity needed to meet demand thereby benefiting the overall reliability of the electric grid. With more efficient systems, utilities and states will not need to build as much new transmission and generation, which can save money and improve environmental quality. Further, modern regulations to achieve such priorities and framing for the public interest can incorporate climate and environmental justice concerns. The Case Against PUCsOrganizational challenges such as outdated mandates, staff constraints, gaps in technical knowledge, misinformation, and quasi-judicial processes have created barriers to innovation amongst PUCs. Some PUCs still continue to view themselves as purely economic regulators, which does not accurately reflect the current decisions they are being asked to make. Additionally, the authority of PUCs varies widely from state to state. PUCs authority is established by state legislatures, thus their power only extends as far as their statutory authorization. The level of statutory authority delegated to PUCs by legislatures also varies widely. Barriers such as these have made it difficult for some  PUCs to develop more innovative mechanisms consistent with new environmental targets and the effort to achieve a zero-carbon US grid.While transitioning to clean energy promises long-term savings and environmental benefits, the short-term costs can be significant and potentially burdensome for consumers and businesses, posing political and fiscal challenges for PUCs. Stakeholder engagement in this transition will be vital. Labor issues also pose challenges as states transition away from  fossil fuels. In addition, challenges exist around regulatory complexities and the evolving federal and state policies. About Our GuestJill Tauber is the Vice President of Litigation for Climate and Energy at EarthJustice. Jill leads the organization in achieving an equitable shift to clean energy through her litigation and legal advocacy work. Prior to serving as VP of Litigation, Jill worked as the Managing Attorney of Earthjustice's Clean Energy Program, focusing on achieving clean energy solutions across the country.ResourcesRMI: Purpose: Aligning PUC Mandates with a Clean Energy FutureRMI: The Untapped Potential of Public Utility CommissionsEPA: U.S. Environmental Protection Agency State Climate and Energy Technical Forum Background DocumentFurther ReadingColumbia Law: Public Utility Commissions and Energy EfficiencyFor a transcript, please visit https://climatebreak.org/public-utilities-commissions-with-earthjustices-jill-tauber/

There are many ways to assess the quality of care that pregnant people receive pre- and post-partum, as well as during delivery itself. Dr. Kathryn Thompson shares her findings on how the care that pregnant Black Medicaid enrollees receive compares to their more affluent white peers, and the policy and practice opportunities for addressing the social determinants of health that are involved.  Kathryn Thompson is an Assistant Professor at Boston University's School of Public Health in the departments of Community Health Sciences and Health Law, Policy, and Management. She is also an IRP 2024–2025 Visiting Poverty Scholar. 

[고민사연] 안녕하세요. 40대 후반 손경제 애청자입니다. 현재 소득공제나 세액공제를 해주는 절세용 금융상품에 가입돼 있는 것이 없어 알아보고 있는 중입니다. 보험 쪽은 내키지 않고, 알아보다 보니 증권사 연금저축펀드계좌나 IRP에 관심이 가더군요.연금저축펀드 계좌는 예전에 증권사 계죄로 만들어 두었던 게 있는데요. 여기에 돈을 더 넣는 것이 좋을까요, 아니면 IRP를 새로 만들어서 거기에 넣는 게 좋을까요? 검색해보니 수수료나 공제율, 투자가능 상품 등이 차이가 있다고 하는데, 어떤 차이가 있고, 저에겐 어떤 게 유리한지 확신이 안 생겨서 사연 보내봅니다. 참고로 현재 공무원으로 재직 중인데, IRP를 가입해도 별 문제가 없는지도 궁금합니다.

The federal Farm Bill expired at the end of September 2024 and was not reauthorized. Funding for the Supplemental Nutrition Assistance Program (SNAP) has been extended through a Continuing Resolution, but that is a stopgap measure. For this episode, Dr. Colleen Heflin joins us to discuss the recent policy brief that she co-authored with Camille Barbin, titled, “How Does the Reauthorization of the Farm Bill Impact SNAP?” Colleen Heflin is a Professor of Public Administration and International Affairs in the Maxwell School of Citizenship and Public Affairs at Syracuse University. She is also a Senior Research Associate in the Center for Policy Research and the Lerner Center for Public Health Promotion and Population Health. She is also an IRP affiliate.

[고민사연] 안녕하세요. 종합금융소득세 관련해 여러가지 궁금한 점이 있습니다. 먼저, 코인 거래소의 예치금에 대한 이자도 종합금융소득에 포함이 되는 건지 정말 궁금합니다. 또, 금융소득 종합과세 대상자가 돼서 세금과 건보료를 더 내게 되더라도, 최대한 이자를 많이 받는게 이득인 걸까요? 그동안엔 금융상품의 만기를 조정해왔는데 근본적인 해결안은 아닌 듯 합니다. 만약 2400만원의 이자를 받게 되면, 2천만원의 초과분 400만원에 대해 개인별 세율을 적용하게 되는 걸까요? 건강보험료는 어떻게 되는 건지, 전문 투자자가 된다고 하는데 뭐가 달라지는 건지, 어떤 금융상품은 가입을 못하게 된다는데 정확히 어떤 의미인 건지 잘 모르겠습니다. 절세를 위해 ISA나, 개인연금, IRP도 추천을 하던데 과연 도움이 될지도 궁금합니다. 초과 이자로 400만원을 더 받는 것과 연봉이 400만원 오르는 건 어떤 차이가 있는지도 알고 싶습니다.

DERVOS, 10/25/24, NYCRenewables have been breaking many of the mechanisms in our power markets, irrespective of structure. Across energy only, IRP, and capacity markets, we have been seeing "weirdness" in price action and regulatory responses as solar and wind continue to dominate new installs. It'll be an acronym stew: from PCM and RUC buying in ERCOT, adjusting ELCCs in PJM leading to capacity prices 10x'ing, to NEM 3.0 in CAISO. We want to contend with what this means today and then try to map a path into where it all leads tomorrow. Will these existing structures adapt, or will something new emerge?Speakers: Jacob Mays (Cornell), Brian Bartholomew (REV Renewables), Eric Goff (Goff Policy), Andy Reger (PA Consulting)Moderator: James McGinniss (DER Task Force & David Energy) This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit www.dertaskforce.com/subscribe

[고민 사연] 안녕하세요. 이번에 퇴직 후 재입사하면서 퇴직금을 정산 받았습니다. 은행에 IRP 계좌를 만들어서 그쪽으로 받았는데, 일시금으로 꺼내쓰면 세금을 약 70만원 가량 내야한다고 하네요. 지금 당장에 돈을 쓸 일은 없을 것 같긴한데, 세금을 내더라도 한 2천만원 정도는 급할때 쓸 용도로 따로 은행에 넣어두고, 나머지는 안전한 곳에 투자를 하는 건 어떨까 고민이 됩니다. 아니면, 그냥 전부 IRP 계좌에 두고 투자 상품을 선택해서 운용하다가 필요할 때 해지하는게 좋을까요? 그도 아니면 계속 투자하다가 55세 이후에 연금으로 수령하는 게 가장 좋은 선택일까요? 55세 이후에도 계속 일은 할 것 같은데 당장 퇴직금을 어떻게 굴리는게 좋을지 모르겠습니다.

Tyler Roahrig just grabbed another win with the 500 Sprint Car Tour - the 12th of his career. Hear what was special about Saturday at IRP. Plus, Mathew Vainner talks about his three-win season and first career track championship.

[고민 사연] 안녕하세요. 저는 만 52세 직장인으로 30여 년 동안 한 회사에 근무 중이고, 앞으로 최소 5년은 더 일할 수 있습니다. 중간에 DC형 퇴직연금으로 전환된 이후, 연말 소득공제를 위해 꾸준히 추가납입도 해 왔습니다. 제가 가입한 금융회사는 모 보험사인데요, 개인 납입금은 IRP 계좌가 아니라 퇴직연금이 쌓이는 계좌에 같이 적립되고 있고, 회사분과 개인 납입분으로 구분해서 볼 수 있는 정도입니다. 이렇게 퇴직연금과 개인 납입금을 통합적으로 관리하는 것과 별도의 IRP 계좌에서 운용하는 건 어떤 차이가 있는 걸까요? 혹시 지금 방식이 불리하다면 지금이라도 분리할 수 있을까요? 각각의 금액이 1억 중반이 넘는 큰 금액이라 향후 절세까지 고려한 좋은 운용 방안을 알고 싶습니다. 참고로 다수의 퇴직연금 금융사가 있어서 다른 곳으로 전환할 수도 있습니다.

363: Melbourne Marathon | Chicago Marathon | Leanne Pompeani This episode is sponsored by Precision Fuel & Hydration, check out their free online planner that you can use to work out how much carb, sodium and fluid you need to perform at your best.  Click here then use the code at checkout as mentioned on the show for a discount. Leanne Pompeani returns to guest host and recaps her victory at Melbourne Half Marathon. Julian loses the IRP head to head but wins the day with his finish line heroics. Brad battles his way through the Melbourne Marathon.   Melbourne Marathon was won by Genevieve Gregson in 2:28:13, her first victory ahead of Sarah Klein in 2:31:05 and Kate Mason in 2:34:08. Jack Rayner was the winner in 2:11:49 ahead of Ryan Gregson in a PB of 2:13:31 and Christoper Dryden of New Zealand in 2:18:10, with defending champion Reece Edwards in fourth. Leanne Pompeani won a hotly contested half marathon in 1:09:01, holding off Jessica Stenson in 1:09:04 and Izzi Batt-Doyle in 1:09:09. Andy Buchanan won the men's half marathon in 1:01:42, ahead of Haftu Strintzos in 1:02:24 and Liam Boudin in 1:02:32. Bronte Oates and Dale Carroll each won the 10km event. Melbourne Marathon Results   Ruth Chepngetich of Kenya ran a new marathon World Record of 2:09:57 at the Chicago Marathon, surpassing Tigist Assefa's mark set at Berlin last year. It is a personal best of of over 4 minutes, while her Half Marathon PB is currently the Kenyan National Record of 1:04:02, #3 all time. Sutume Asefa Kebede of Ethiopia was second in 2:17:32 and Irine Cheptai of Kenya was third in 2:17:51, with Susanna Sullivan the first American in seventh place https://runnerstribe.com/news/kenyas-ruth-chepngetich-breaks-womens-marathon-world-record-in-chicago/  . John Korir of Kenya won the Chicago Marathon in a world-leading 2:02:44, clear of Huseydin Esa of Ethiopia and Amos Kipruto. CJ Albertson was the first American in seventh overall with our own Brady Threlfall running 2:20:29. Chicago Marathon Results   New Zealand submit bid to host the 2028 World Indoor Athletics Championships https://runnerstribe.com/news/new-zealand-eyes-historic-bid-to-host-2028-world-indoor-athletics-championships/  Listener Question ponders why marathons aren't on Saturday instead of Sunday while Moose on the Loose goes out early on self seeding then some Whispers around the Burnie 10 are confirmed. Patreon Link: https://www.patreon.com/insiderunningpodcast Opening and Closing Music is Undercover of my Skin by Benny Walker. www.bennywalkermusic.com Join the conversation at: https://www.facebook.com/insiderunningpodcast/ To donate and show your support for the show: https://www.paypal.com/cgi-bin/webscr?cmd=_s-xclick&hosted_button_id=9K9WQCZNA2KAN

The port strike is over, but for truckers, many problems that existed before the strike remain unresolved. We'll cover some highlights. Also, UCR, IRP, IFTA – they all mean that permit-renewal season is upon us. We'll have an update from OOIDA's Permits and Licensing Department. And as truckers continue to struggle with low rates, it's more important than ever to know what it costs you to run each and every mile. We'll offer a how-to. 0:00 – Newscast  10:15 – Working our way through the alphabet soup of permits 25:08 – You can't make money if you don't know how much it costs to run 40:05 – End of port strike means back to familiar problems

In this episode of the Quality Hub, Chatting with ISO Experts, Xavier Francis and Reagan Jorgensen continue their discuss on “What to do after a Cyber Attack.” They focus on the critical importance of having an Incident Response Plan (IRP) in place before a cyber-attack occurs. They explain the parts of what goes into an IRP, and also highlight the role of employee training as a key defense mechanism, enabling staff to recognize and respond to threats effectively. They conclude with advice on evaluating and improving an organization's security posture post-attack, starting with a security assessment even if a full IRP isn't yet in place. Helpful Resources: Cyber Attacks Explained: https://www.thecoresolution.com/cyber-attacks-explained Cybersecurity Checklist: https://www.thecoresolution.com/cybersecurity-checklist Cyber Hygiene: https://www.thecoresolution.com/cybersecurity-checklist Cybersecurity Explained: https://www.thecoresolution.com/cybersecurity-explained Contact us at 866.354.0300 or email us at info@thecoresolution.com Articles: https://www.thecoresolution.com/free-learning-resources  

357: Leanne Pompeani & Jeff Riseley | National Cross Country Championships | World Junior Athletic Championships This episode is sponsored by Precision Fuel & Hydration, check out their free online planner that you can use to work out how much carb, sodium and fluid you need to perform at your best.  Click here then use the code at checkout as mentioned on the show for a discount. Leanne Pompeani returns and recaps her week leading to National Cross Country Championships. Jeff Riseley makes his IRP debut and chats about his time with Princeton, training for his first marathon. Brad holds down the fort and goes through a solid week of marathon training. Leanne Pompeani won the National Cross Country Championship over 10km held at Launceston, Tasmania ahead of local Ruby Smee, then Holly Campbell for NSW. NSW were the winning team, followed by Victoria and ACT. Seth O'Donnell outkicked Ed Marks in the mud as Haftu Strintzos finished third to make it a Victorian podium sweep, who were also the winning team ahead of NSW and Queensland. Results The World Junior Athletics Champions in Lima, Peru saw several young distance stars take centre stage, with several silver medals awarded to Claudia Hollingsworth in the 800m, Peyton Craig also in the 800m and Cameron Myers in 1500m. Results via World Athletics Jess Hull came fourth in the Rome Diamond League 1500m in 3:54.98, continuing her good form from the Olympics behind reigning champion Faith Kipyegon while Linden Hall bounced back running 3:58.94. Morgan McDonald ran 13:20.52 in the 5000m with Hagos Gebrehewit taking it out in 12:51.07 while Winifred Yavi narrowly missed the 3000m Steeplechase World Record in her 8:44.39 victory. Rome Diamond League Results Jarryd Clifford crossed the finish line in third in the T13 5000m at the Paralympic Games in France, only to be disqualified for dropping his tether metres before the finish line. Michael Roeger won silver in the T46 1500m in 3:51.19. Paralympic Para Athletics Results Elliott Giles sets the official Road Mile World Record of 3:51.3 ahead of Yared Nuguse in Düsseldorf, Germany. World Athletics Report Listener Question of the week asks how to go about your training when your motivation wanes, then the whispers speak of a local stalwart set to make a debut at Melbourne Marathon, then Jeff goes loose over selector's discretion at the National Cross Championships. Patreon Link: https://www.patreon.com/insiderunningpodcast Opening and Closing Music is Undercover of my Skin by Benny Walker. www.bennywalkermusic.com Join the conversation at: https://www.facebook.com/insiderunningpodcast/ To donate and show your support for the show: https://www.paypal.com/cgi-bin/webscr?cmd=_s-xclick&hosted_button_id=9K9WQCZNA2KAN  

[고민 사연] 안녕하세요? 저는 현재 만 59세로 지난 6월에 갑자기 퇴직을 하게 되면서, 회사에서 모 생명보험사에 가입돼 있던 퇴직금 약 4천만원을 받았습니다. 주변에 경험있는 분이 IRP계좌를 만들어 연금을 받아야 한다고 해서 퇴직보험이 가입돼 있는 보험사에 알아보니, 퇴직금이 적은 금액이라 매년 1800만원씩 입금이 가능하다고 하면서 그에 대한 가입자료를 받았습니다. 종신연금형, 확정기간연금형이 있던데 자료만 보고 판단이 안 되어 상담 드립니다. 검색을 해보니 증권사 IRP는 수수료가 없다지만, 투자를 하기에는 경험이 없어서 엄두가 나질 않습니다. 제 마음은 보험사에 가입해서 적은 금액이라도 연금으로 받을까 하는 생각인데, 추가로 1,800만원을 몇년을 더 납부해야 좋을지도 잘 모르겠습니다. 증권사IRP는 잘 투자하면 수익이 높다고 하는데 저에게는 어려울 것 같아서 편한 방법을 선택하려고 하는데 맞는 걸까요?

Minimum wage workers, especially those with children, face barriers to affordable child care. Child care costs can prevent working parents who earn minimum wage from participating in the labor market. Alternately, many child-care workers also face financial barriers because they, too, earn minimal wages. Therefore, increasing the minimum wage would alleviate financial burdens for both parents and child-care workers. In this episode, both Dr. Anna Godøy and Dr. Jennie Romich discuss their research on minimum wage and its effects on parental labor supply and the child care sector. Anna Godøy is a Senior Research Fellow at the Ragnar Frisch Center for Economic Research and an Associate Professor at the Department of Health Management and Health Economics at the University of Oslo, Norway. Her research interests include empirical labor economics, health economics, and policy evaluation. Dr. Jennie Romich is an Associate Professor of Social Work at the University of Washington, director of the West Coast Poverty Center, an active member of the Center for Studies of Demography and Ecology, and an IRP affiliate. Romich studies resources and economic well-being in families with a particular emphasis on low-income workers, household budgets, and families' interactions with public policy. Reference Papers: Parental Labor Supply: Evidence from Minimum Wage Changes  Responding to an increased minimum wage: A mixed methods study of child care businesses during the implementation of Seattle's minimum wage ordinance How will higher minimum wages affect family life and children's well‐being?    

Listen every Tuesday from 21 till 22 (Moscow time) Jazz FM (radiojazzfm.ru) Subscribe in iTunes: https://itunes.apple.com/ru/podcast/funk-and-beyond-weekly/id1063844118?mt=2 for more details please visit beyondfunk.ru Tracklist: 1. Zalifah Ibrahim - Sejak Kau Datang 2. Gordon Hnederson - The Highest Bidder 3. Roland Louis Orchestra - Play Up Play Up 4. Jimmy 'Bo' Horne - You Get Me Hot 5. Donald Byrd - Where Are We Going 6. The Fatback Band - Let Me Do It To You 7. Jean-Michel Lorgere - Wrong 8. Charles Wright and Watts 103rd St. Rhythm Band - Spreadin' Honey 9. Zebra - Simple Song 10. Jessie Henderson - I Did It Again 11. Irp-3 - Tema De Soninha 12. Miss Faye Marshall - Chain Reaction 13. Selection - Got To Be Real 14. McKinley Mitchell - Days Got Bright 15. The Isley Brothers - So You Wanna Stay Down 16. Marvin Gaye - Rockin' After Midnight 17. Nadie La Fonde - Three Way Situation 18. Smokey Robinson - Melody Man

Phil and Josh have plenty to talk about on E230 of the GSP after the NASCAR tripleheader at Indy, IndyCar at Toronto and Formula 1 in Hungary. Larson jumps the last restart and through a technicality wins his first Brickyard 400. Phil goes after William Byron after he called Chase Briscoe a squirrel while fellow young guns John Hunter Nemechek and Carson Hocevar caused massive incidents of their own. Fuel mileage was the name of the game with YRB in position to win and sweep the season for Penske in the big races while former teammate Brad Keselowski tried to harken back to the old days with his fuel saving.  Riley Herbst drifted through Turn 4 on the final lap of the XFinity race to win for the second time in his career. Stewart-Haas had the best race cars at the track in the precursor to the Brickyard 400. Ty Majeski gets his first win of 2024 in the Truck Series and repeats at IRP while Corey Heim throws a *&^%$ fit at championship rival Christian Eckes. IndyCar saw Colton Herta destroy the field throughout the entire weekend at Toronto. Andretti Global took a 1-2 finish while Alex Palou started deep in the field and still finished fourth. A massive turn one wreck with ARCA brakes action destroyed multiple cars including the McLaren of Pato O'Ward and Root Beer Float Head. Speaking of McLaren, Oscar Piastri became a first-time winner in Formula 1 at the Hungarian Grand Prix after plenty of assistance from the pit wall to convince teammate Lando Norris to move over after McLaren screwed up the strategy. Fish Lips was definitely in a mood after completing a sim race earlier that morning and lost out on the final podium place to Sir Lewis Hamilton. Ferrari wasn't as fast as the top three teams but salvaged their day along with poor qualifying efforts by Perez and Russell ending up with points.   The Roundup covers F2/F3, NHRA, WSBK, Supercars, WRC and Formula E before the guys preview the Belgian Grand Prix for Formula 1 and make their picks. Josh lets us know his exploits on iRacing and gaming in the Sim Segment before calling it a night. 

[고민 사연] 안녕하세요. 얼마 전 IRP를 가입해서, 일부는 ETF를 사고, 나머지는 국채를 샀습니다. 그런데 원금보장이 되는 줄 알았던 채권에서도 마이너스가 발생하고 있습니다. 자세한 내역을 보면 매입 원금은 약 119만 9천원인데, 평가금액은 약 119만 7천 몇백원 정도로, 대략 1700원 정도 마이너스인 상태입니다. 국채는 원금이 보장된다고 하던데 왜 얼마 지나지도 않은 채권에서 마이너스가 나오는 걸까요? 어디에서 손실이 발생한 것인지 궁금합니다.

[고민 사연] 안녕하세요. 지금까진 은행에서 개설한 IRP를 이용하고 있었는데요, 증권사 IRP가 수수료가 없다고 해서 이번에 갈아타려고 하는 중입니다. 각 증권사의 홈페이지를 둘러보던 중, 모 증권사의 IRP 수수료를 보고 궁금한 점이 생겼는데요, 다이렉트로 계좌를 개설하면 운용 및 자산관리수수료 무료인데, 펀드의 보수는 별도 발생할 수 있다고 쓰여있고, IRP의 기본수수료는 후취로 자산관리 수수료가 연 0.1%, 운용관리수수료가 연 0.2%라고 돼 있었습니다. 그럼 운용 및 자산관리 수수료는 없다고 광고하지만, 결국에 매년 떼어간다는 의미인 건가요? 해당 후취수수료는 어떻게 부과되는 것인지 궁금합니다.

I'M Still MAD and no, it is not because Kyle Larson won!After the Nascar weekend at INDY, I noticed Nascar has a couple of glaring issues.We spend the first segment discussing those issues!in Segment to we take a full look back at the Weekend that was IRP & The return to the brickyard oval!In segment three we look into what went down at he "Nation's Site of Excitement" at Thunder Road and a whole lot more.We are looking forward to getting back to New Smyrna for the War on 44!!

Brock Heinrich joins us! We then talk about the Midwest Tour Detjens Memorial at State Park Speedway, the weekly FRRC show at Wisconsin International Raceway, TUNDRA at Golden Sands Speedway, and other short track racing. We also discuss news and recap IRP and Indianapolis.

Continuing his recent trend of racing anything anywhere, Conor Daly is back with another weekend adventure on this episode of Speed Street. He joins co-host Chase Holden to chat about his flight troubles while trying to get to and from Charlotte for some Toyota sim time in preparation for his race weekend as well a test in a GT3 sports car at Virginia International Raceway. More flight issues on the way home made him late to prepare for his Indy double: racing a NASCAR Truck at Indianapolis Raceway Park and an Xfinity car at Indianapolis Motor Speedway. After an impressive practice session Friday afternoon in the stock car at the big track, Conor had a police escort to IRP where he would end up driving from the back of the pack while learning the ropes of NASCAR short track racing. Finally, Conor gives an in depth breakdown of his Saturday spent at the Brickyard mixing it up with the NASCAR Xfinity crew, where he came home in 14th place.The guys also dive into IndyCar's weekend at Toronto, where Penske teammates Will Power and Scott McLaughlin had an on-track dust-up and Santino Ferrucci went for a wild ride. Race winner Colton Herta joins the show to discuss Andretti Autosport's prowess at the Toronto street course and how the team has it circled on the calendar every year due to its continued success there. He gives a lot of credit to teammate Kyle Kirkwood who helped keep the Ganassi teammates Scott Dixon and Alex Palou at bay while they cruised to a one-two victory. Colton and Conor also chat about this year's Indy 500 and what led to Colton's lap 86 crash. Finally, Colton weighs in on what growth he's seen for the IndyCar Series this year and how he sees more fans at the race track than ever before.

[고민 사연] 안녕하세요. 저는 회사에서 DC형 퇴직연금을 가입했고, 개인적으로 절세 및 노후자금 목적으로 별도의 IRP계좌를 만들어서 작년부터 연간 900만원씩 납입하고 있습니다. 16.5%의 세금을 돌려받을 수 있고, 연금을 수령할 땐 5.5%의 세금을 내야한다고 하니, 낼 때는 약 150만원의 세금을 아끼고, 연금을 받을 땐 약 27만원의 세금만 내면 되는 걸까요? 또, IRP는 가입 후 5년이 지나야 수령할 수 있다고 하더라구요. 앞으로 4년 뒤인 2028년이 되면 만 60세가 돼서 퇴직 예정인데요, 올해 납입하는 돈은 2028년이 되면 4년밖에 안 되었으니 수령을 할 수 없는 건가요? 그럼 퇴직 후 해마다 수령할 수 있는 연금액은 어떻게 되는 걸까요? 제가 생각한 세금 계산방법이 맞는 건지, 연간 수령액은 얼마인 건지 알고 싶습니다.

I look back at the Brickyard 400 weekend with Kyle Larson taking the win, recap the weekend at IRP and which race I enjoyed the most. --- Support this podcast: https://podcasters.spotify.com/pod/show/tony-donohue/support

Krazy Ed Foley talks how he got his iconic name and winning TS at the PDRA Pro Stars. Marc Smith from MSR Suspensions discusses adjustments to help getting down the track in hot conditions. Rex and JP discuss the NHRA's oldest ever National Event winner, give race results and talk EE, Tony Stewart and the IRP revamp

Episode 356 of Boss Hog of Liberty is out! Jeremiah Morrell and Zach Burcham are your hosts. This week we are joined by local ARCA driver Presley Sorah and Spotter/Graphic Designer Gavin Newton. These guys met in elementary school, and have now gotten to NASCAR together. From winning an iRacing scholarship, to getting into real stock cars. Presley and Gavin spent 2023 traveling the country as volunteers, and now as a driver and spotter. Presley will be racing on national TV at IRP on Friday night in the Circle City 500. His car will be on display Thursday and signing autographs at the Golay Center in Cambridge City.  Our program is community supported on Patreon. Do your part by chipping into the cause by donating monthly at any level at www.patreon.com/bosshogofliberty and receive even more BONUS coverage and content. Learn more about your ad choices. Visit megaphone.fm/adchoices

Tonight we traveled to the MAN Motorsports shop in Watertown, TN and unveiled the NASCAR ARCA Menard's Series car Jackson will be driving July 19th at IRP. Teammate Andrew Patterson checked in for a minute. We learned how the Noble brothers came to be the team they are now, very interesting! We also heard from special guest Quinn Davis and heard the hub story. Trust me, ya' wanna' hear her Bubba story!

[고민 사연] 안녕하세요. 연금저축과 IRP를 연금으로 수령하게 되면, 연말정산 때 세액공제를 받은 원금과 수익금에 대해 3.3% ~ 5.5%의 세율로 연금소득세를 내는 것으로 알고 있습니다. 또, ISA에서 만기가 된 돈은 연금저축이나 IRP로 넣으면 추가로 세액공제를 받을 수 있다고도 알고 있고요. 그런데 ISA로 모은 돈을 연금 계좌로 보내면 10%만 세액공제가 된다고 하던데, 그럼 세액공제를 받은 부분은 연금소득세를 내고, 세액공제를 받지 않은 부분은 납세 없이 수령이 가능한 것인가요? 당장에 큰 돈을 납입할 순 없지만 연금소득세를 공부하다보니 궁금해져서 상담 요청 드립니다.

[고민 사연] 안녕하세요. IRP계좌와 퇴직금 운용에 대해 문의드립니다. 늘 1-2년씩 짧게 회사생활을 하며 퇴직금을 받고 탕진하는 생활을 반복했는데요, 처음으로 길게 다닌 회사에서 꽤 큰 돈의 퇴직금을 받게 되었습니다. 그런데 회사가 작아서인지 퇴직연금엔 가입 안 되어 있고, 저는 이번만큼은 퇴직금을 바로 써버리지 않고 노후를 위해 제대로 굴려볼까 생각 중입니다. 그래서 알아보니, 퇴직연금에 가입되지 않은 경우 IRP를 가입하면 된다고 하던데 IRP는 정확히 어떤 계좌인가요? 찾아보니 연간 1800만원까지만 입금 가능하다는데 그럼 퇴직금이 그 이상일 경우에는 어떻게 되는 건가요? 처음으로 2천만원이 넘는 퇴직금을 받게 될 것 같은데, 이것을 모두 IRP계좌에 넣어두는 것이 가장 좋은 방법일지 혹은 추천해주시는 다른 운용 방법은 없는지 궁금합니다!

In this episode, we speak with CEO of the International Registration Plan (IRP) Tim Adams about our partnership and shared goals as IRP celebrates its 50th Anniversary. Host: Ian Grossman Producer: Claire Jeffrey and Chelsey Hadwin Music: Gibson Arthur This episode is brought to you by GET Mobile ID - the smart choice for mDL implementations. Put citizens in control with GET Mobile ID. Fully ISO compliant and UL certified for all transaction modes. Learn more at getgroupna.com.  

[고민 사연] 안녕하세요. 일반형 ISA를 가입했는데요, 일반형은 이자와 배당 소득에 대해 최대 200만 원까지 비과세 혜택이 있다고 알고 있습니다. 의무 가입 기간 3년이 지나면 이 혜택을 볼 수 있고, 해지 후 ISA의 돈을 연금저축 계좌나 IRP계좌로 옮기면 추가 세제 혜택을 받을 수 있다고는 들었습니다. 그러면 3년마다 해지 후 연금저축이나 IRP 계좌로 옮기길 반복하는 게 가장 좋은 걸까요? 월급소득이 있는 직장인의 경우 ISA를 가장 잘 활용하는 방법이 무엇인지 궁금합니다.

On this week's Women Take The Wheel, I am on location at IRP, catching up with past guest, Maddi Gordon. When we first talked to her a couple years ago, she was working on her Dad's Top Alcohol Funny Car Driver. Now she is driving that race car – and doing a good job of it! This is kind of a unique podcast as we did our interview in two parts. Before eliminations, we talk about her journey into the seat of the family Funny Car. Then, we pick up the conversation three rounds later, with a very happy winner. See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Independent Owner Operator verses Leased Owner Operator is a bit of a controversial topic because you get strong opinions on both sides of the argument. I think that is because being an independent Owner Operator is the right thing for some people, while leasing on to another company can be the right thing for someone else. In this Episode of Haulin Assets the Podcast, I want to talk about the pros and cons of both, along with the things you need to keep in mind and watch out for to help you make the decision for yourself. What To Expect From Episode 153 Let's define each. Independent Owner Operator, just like the name implies, you are truly independent. You have your own DOT number, you own or lease the truck you drive, in most cases, you have your own Operating Authority (MC Number) with the FMCSA (Federal Motor Carrier Safety Administration). Leased Owner Operators, own or lease a truck and operate under the authority of another motor carrier. Where things get confusing is the term leased is also used when leasing vehicles, think of that kind of lease as a long-term rental of the vehicle. That type of vehicle lease/rental is different the leasing on as an owner operator, they are two very different types of leases, but often happen at the same time between the same companies and can cause some very serious problems. We talk about that and why you have to be super careful in that type of situation. I'll put it this way, we don't recommend leasing or buying a truck directly from the motor carrier you are going to lease on to. Craig and I talk about why that is. There are pros and cons of both and we talk about each. Independent Owner Operator Pros Truly Independent Higher financial upside You get to decide the type of loads you haul Lots of tax benefits Investment control Strong sense of ownership Cons You have to find your own loads All responsibility falls on youBookkeeping Sales Maintenance Admin tasks MCHQ and Trackin Assets can help you navigate a lot of these Higher stress Takes more money to start Your insurance will likely be higher for the first year or two Isolation Unknown, unknowns  Leased Owner Operator Pros Many administrative tasks are handled for you You don't have to find loads You will get some cost savings operating as part of a larger fleet Less financial risk Should have access to steady work Training and safety programs Great way to gain experience and use it as a stepping stone to becoming an independent OO Cons You sharing the profit with another carrier You're working for someone else and have to follow their rules and do what they say, you lose control Some companies will take advantage of you You may be the low man on the totem pole Some contracts can be very restrictive Ownership transfer issues Other considerations Independent Owner Operator Fraud You'll need a bigger reserve of money Leased Owner Operator Talk to several owner operators who do work for the any company you are thinking about leasing on to Make sure you read through the entire lease agreement. Consider having an attorney review it. I know it costs money to do so, but it could save you money in the long run and prevent a lot of heartache. At Haulin Assets we don't come down hard on either side of Independent O/O vs Leased O/O. We generally advise against lease to own. It's not the subject of this episode so we won't go into depth but things just seem to be more likely to go wrong with lease to own. The agreement is riskier, the lessees are generally not starting on a firm footing, and the lessors can have incentives for you to fail.Buy or lease your own truck, from somewhere other than the company you are leasing on tooDo your own truck registration/IRP plan (Another way they trap you) This will take a bit more money, but is a much safer way to do it, less likely to be taken advantage of

It seems like we can't get through a week without news of a massive wire fraud scam or a company falling victim to a ransomware attack. Title Agents and Agent Attorneys are like sitting ducks to fraudsters ready to take advantage of your vulnerabilities. Knowing how to prevent an attack is so vitally important, but so is having a rock solid incident response plan (IRP) so that's what we're focusing on today. Our two expert guests areTom Cronkright, title agency owner and security expert (CertifID) and John Kosogof, attorney and the VP of Underwriting and Claims for The Security Title Guarantee of Baltimore. Check out our show notes here: https://www.proplogix.com/podcasts/ep-61/

[고민 사연] 안녕하세요, 노후 준비를 위해 2021년부터 IRP에 매년 200만원씩 납입중인 연봉 5500만원 이하 공무원입니다. 21년과 22년의 연말정산때는 각각 30만원의 세금을 돌려받았습니다. 사실 이 부분도 200만원의 16.5%를 세액공제를 받을 경우 33만원이 돼야 하는데, 별 문제의식 없이 그냥 넘어갔습니다. 그런데 2023년 모의 연말정산 결과를 보니 30만원이 아닌 약 3만6천원원으로 표시가 되어있었습니다. 작년부터 홀로 사시는 60세 이상의 부모님 한 분을 피부양자로 올려 인적공제를 받게 되었습니다. 그러면서 전체적인 공제액이 커졌는데, 연말정산에 이 부분이 반영되어 퇴직연금으로 돌려받을 세액공제액이 작아진 것인지 궁금합니다. 세액공제에 1인 최대 공제액이 있는건가요? 만약 그렇다면 올해 받지 못한 세액공제를 내년으로 미뤄 차액인 26만원 정도를 받을 수 있는지 궁금합니다.

[고민 사연] 안녕하세요. 저는 현재 직장인으로서 2017년 7월에 개인형 IRP에 가입해서 연말정산 혜택을 보고 있는데요, 현재 수익율은 약 11%입니다. 그런데 55세 이상이고 가입기간이 5년 이상 경과해서, 지금부터라도 즉시 연금개시를 할 수 있다는 안내를 받았습니다. 제가 만약 지금 연금을 개시하게 되면 현재 수익률로 10년간 연금을 받을 수 있는 건지 궁금합니다. 또.. 앞으로 직장생활 2년 후 정년 퇴직예정인데요, 그 2년간 세액공제 혜택을 위해 새롭게 IRP를 가입하면 최소 5년간 유지해야 한다고 합니다. 그렇다면 정년 퇴직 후에 연금을 받을 때도 3년 동안 더 납입을 했을 때 세금 혜택을 받을 수 있는 건가요? 지금 현재 상황에서 연금개시하는 것이 좋은 건지 모르겠습니다.

[고민 사연] 안녕하세요. 저는 회사를 다니는 근로소득자인데요, IRP계좌가 2개 있습니다. 8년전 전 직장에서 퇴직금을 받은 IRP가 있고, 올해 세액공제를 받기 위해서 IRP를 새로 추가 가입했습니다. 그런데 근로소득 외에 개인사업자가 하나 있는데 의도치 않은 민사소송에 휘말릴 가능성이 생겼습니다. 혹시 민사소송에 져서 계좌가 압류되거나 추심을 당할 경우에 퇴직금을 받은 IRP는 압류가 불가하다고 들었는데 맞는 걸까요? 또, 개인 돈을 납입한 IRP도 압류가 불가능한 건가요? 이외에도 압류 및 추심이 원천적으로 불가한 계좌와 가능한 계좌, 그리고 부동산이나 전세보증금은 어떻게 적용되는지도 알고 싶습니다.

[고민 사연] 안녕하세요? 연금저축과 IRP에 납입한 금액 중 세액공제를 받지 않은 원금은 나중에 연금으로 받을 때도 세금을 내지 않는 것으로 알고 있습니다. 만약 세액공제를 받은 경우 3.3%~5.5%의 연금소득세를 내는데, 연간 수령액이 1500만원을 넘으면 금액 전체가 종합과세에 해당되게 된다고 들었습니다. 그렇다면 지금 당장 세액공제 받는 것보다 나중에 종합과세가 안 되는 것이 나을 수도 있지 않나 싶은데, 판단이 안 섭니다. 현재 급여가 5500만원 이상일 경우 세액공제는 13.2%를 받을 수 있는 것으로 알고 있는데요, 이렇게 당장의 세액공제를 받는 게 나을까요, 아니면 세액공제는 포기하고 종합과세가 될 위험을 낮추는 게 나을까요? 참고로 국민연금은 지금 추세대로 하면 65세부터 120만원쯤 나온다고 조회가 됩니다.

[고민사연] 안녕하세요. 손경제를 통해 조금씩 경제지식을 쌓아가고 있는 51세 애청자입니다 소득공제용 개인연금 저축이 23년 12월15일로 납입이 끝났습니다. 직장생활은 15년 정도 더 할 수 있을 것 같은데, 연금저축을 다시 가입해야할지 IRP를 가입해야할지 모르겠습니다. IRP는 어느 정도 전문 지식이 있어야 할 것 같은데 그쪽으로는 아는 게 없어서요. 그리고 아내 이름으로 연금저축을 가입해도 남편인 제가 세액공제를 받을 수 있을까요? 어떻게 해야할지 제발 알려주세요~

327: US Olympic Trials Marathon | Jess Hull's 3000m National Record | Marugame Half This episode is sponsored by Precision Fuel & Hydration, check out their free online planner that you can use to work out how much carb, sodium and fluid you need to perform at your best.  https://visit.pfandh.com/inside-planner then use the code at checkout as mentioned on the show for a discount. Brad returns to work and maintains the consistency Kristian Ulriksen fills in and goes into the history of the Norwegian Training System as he lines up for the Barcelona Half. Brady keeps his cool as the temperature rises at IRP x Mizuno workout at Albert Park. Brett Robinson placed 19th at the Marugame Half Marathon in a time of 1:01:27 following a collision, Tim Vincent was 38th in 1:02:01. The race was won by Kenyan Richard Etir in 59:32 ahead of countrymen Alexander Matuso and Amos Bett who finished alongside Norwegian Sondre Moen in 1:00:11. Sinead Diver was a withdrawal while British athlete Charlotte Purdue was fourth in 1:08:02. Dolphine Nyaboke Omare of Kenya won in a course record time of 1:06:07. Japan Running News   Conner Mantz won the US Olympic Trials Marathon in 2:09:05, alongside training partner Clayton Young, confirming their places in the 2024 Paris Olympic Marathon. Leonard Korir was third in 2:09:57, though his actual place in the US Olympic Team is currently unsecured. Fiona O'Keefe won the women's race in her debut marathon in a trials record of 2:22:10, ahead of national record holder Em Sisson in 2:22:42 and Dakota Lindwurm third 2:25:31 to make their Olympic team. Full Results Conner Mantz - Strava https://strava.app.link/2selBj6YWGb    Jakob Ingebrigsten announces his season plans as recovers from injury in the lead up to Olympics, as well as speaking of his rivalry with Josh Kerr. Let's Run   Sun Run 10k Ed Goddard in 29:33 ahead of Tom Do Canto and James Nipperess. Alice Daniel in 35:43 ahead of Lexy Gilmour and Natalea Smith. Official Results   Jess Hull breaks her own 3000m National Record at the New Balance Indoor Grand Prix in Boston, running to 8:24.93 at the to outlast Elle St. Pierre in a duel that cleared the rest of the field. Official Results   Osaka Marathon Elite Fields Announced Japan Running News   Listener Question of the week asks if there are mental benefits to solo training over group training, then Brady on the Loose goes on the selection policy around the World Cross Country relay teams and the economics of running for Australia. The whispers about two men lining up at Hamburg Marathon for that coveted third spot in the Olympic marathon team and some confirmations for Osaka Marathon, before wrapping up the show with a short preview of the Adelaide Invitational.   Jimmy Friend returns with friend Toby Menday to chat about why heart rate monitors don't work on tattoos then do a deep dive on the recently released New Balance Super Comp Elite v4 and the Rebel v4, as well as giving a preview of the On Running Cloudmonster 2. Patreon Link: https://www.patreon.com/insiderunningpodcast Opening and Closing Music is Undercover of my Skin by Benny Walker. www.bennywalkermusic.com Join the conversation at: https://www.facebook.com/insiderunningpodcast/ To donate and show your support for the show: https://www.paypal.com/cgi-bin/webscr?cmd=_s-xclick&hosted_button_id=9K9WQCZNA2KAN

[고민 사연] 안녕하세요, 나름 여러방면을 찾아봤는데 명쾌한 답을 얻지 못해 사연 보냅니다. 전 직장에서 받은 퇴직금이 A증권사의 IRP계좌에 있습니다. 현 직장에서도 이직을 앞두고 있는데, 현 직장 퇴직금은 B은행 계좌에 들어있습니다. 최근 살펴보니 A증권사나 B은행 모두 만족스럽지 않아, 전 직장과 현 직장의 퇴직금 모두 C증권사의 IRP로 이전하고 싶습니다. 그리고 A증권사 IRP계좌는 개인납입용으로 남겨두려 하구요. 추가로, A증권사 IRP엔 개인적으로 납입한 돈도 있는데, 이걸 제외하고 퇴직금만 옮기는 것도 가능할까요? 해당 금융사들에 문의하니 답을 주겠다고 하고 연락이 없네요. 곧 퇴사를 하기에, 답답한 마음에 문의 드려봅니다. IRP계좌 간 퇴직금 이전 시 꼭 알아야 하는 사항이 있을까요?