Athletic conference of eight American universities
Learn how to permanently reduce your tax burden. The greatest tax breaks for real estate investors are revealed. But first, home prices are permanently elevated because they're larger and with more amenities than they had in the 1970s. Today's homes have vaulted ceilings, multiple fireplaces, granite countertops and more square footage. I describe. John Hyre, the Tax Reduction Lawyer, joins us for the first time. The top federal income tax rate is 37%. Learn where it's headed next. On your short-term rentals (like Airbnbs), sometimes you can reduce your taxes by legally stating that it's a “hotel”. Your rent income is taxed at less than your day job (W-2) income. Rent income is not burdened with social security and self-employment tax. Learn exactly how tax depreciation lowers taxable income for real estate investors. You'll legally never pay any capital gains tax with a 1031 Exchange. We review how. Will the 1031 Exchange go away? John tells us how to get $100K tax-free out of your property—without doing an exchange. Timestamps: The direction of the marginal income tax rate [00:08:19] Discussion about the current marginal income tax rate and the potential for changes in the future. Tax changes under the Trump administration [00:09:22] Explanation of the Trump tax changes and the potential impact of those changes on real estate investors. Taxation of rental income [00:10:08] Explanation of how rental income is taxed differently from regular job income, specifically regarding self-employment and social security taxes. Opportunity and traps of Airbnb rentals [00:10:25] Discussion on the potential to convert Airbnb income into losses and the tax implications of Airbnb rentals. Making an Airbnb an active trade or business [00:11:41] Exploring the distinction between treating an Airbnb as rental income or hotel income for self-employment purposes. Accelerating depreciation with cost segregation study [00:14:17] Explanation of cost segregation study and how it can help real estate investors lower their taxable income by depreciating certain assets more aggressively. Tax Depreciation and its Benefits [00:21:34] Explanation of how tax depreciation works in real estate investing and its value in reducing taxable income. The Basics of 1031 Exchange [00:26:13] Overview of the 1031 exchange, a tax-deferred exchange that allows real estate investors to swap properties without paying capital gains tax. The Long-Term Benefits of 1031 Exchange [00:28:37] Discussion on the strategy of using 1031 exchanges until death to maximize tax deferral and potentially convert it into tax-free gains for heirs. The 1031 Exchange Trick [00:30:36] Speaker 3 explains a trick to maximize the benefits of a 1031 exchange by utilizing passive activity losses. The Pass-Through Deduction [00:33:21] Speaker 3 discusses the concept of the pass-through deduction and its application to rentals, providing insights on how to maximize the deduction. Future Tax Policies [00:36:15] The potential tax policies of Democratic and Republican presidential candidates are discussed, with an emphasis on their stance towards real estate and taxes. The 1031 tax deferred exchange [00:40:03] Explanation of the 1031 tax deferred exchange and its potential benefits for real estate investors. Disclaimer and advice [00:40:36] Disclaimer about the show not providing specific personal or professional advice, and the need to consult appropriate professionals for individualized advice. Sponsorship message [00:41:04] Acknowledgment of the show's sponsor, getricheducation.com, as a platform for wealth building. Resources mentioned: Show Notes: www.GetRichEducation.com/469 Learn more about John Hyre: www.TaxReductionLawyer.com If you'd like help with one of GRE's Investment Coaches (free), start here: GREmarketplace.com/Coach Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments. You get paid first: Text ‘FAMILY' to 66866 Will you please leave a review for the show? I'd be grateful. Search “how to leave an Apple Podcasts review” Top Properties & Providers: GREmarketplace.com GRE Free Investment Coaching: GREmarketplace.com/Coach Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— text ‘GRE' to 66866 Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Keith's personal Instagram: @keithweinhold Complete episode transcript: Speaker 1 (00:00:01) - Welcome to. I'm your host, Keith Weinhold. Real estate investors get tax breaks like you'll find absolutely nowhere else in the entire tax code that can help you legally work the tax system like you're a billionaire and actually work your way toward becoming a billionaire. Today on Get Rich Education. Speaker 2 (00:00:22) - You're listening to the show that has created more financial freedom than nearly any show in the world. This is Get rich education. Speaker 1 (00:00:38) - Welcome from Belgrade, Serbia, to Bellingham, Washington, and across 188 nations worldwide with 5.2 million listener downloads. I'm your host Keith Weinhold and this is Get Rich education. Yeah, you're back at that abundant place and you gotta be because the scarcity mentality is abundant in the abundance mentality is scarce so be frugal with your time, not your money. You can afford to be because you live by the mantra that financially free beats debt free. Throughout our nine years of weekly shows here, Waiting in the Wings is just the third ever expert tax guest we've had on the show. The other two are Tom Wheelwright and Kristen Tate. Speaker 1 (00:01:18) - You meet the third one in a few minutes. Here I am sitting the first half of this month in Denver, Omaha and then Chicago checking out real estate markets and more. Before we talk taxes. All prices have risen this year, just like they do most years, and they expect to stay elevated. I've talked before about all those reasons why demographic and supply demand and all of that, but why else are houses permanently more expensive today than they were decades ago, even when adjusted for inflation in some cases? Well, it's not all the dollars given to people during Covid or anything like that. It's just the fact that houses are bigger and more complicated than they were in the 1970s and 1980s. I mean, they used to build houses that were just 1000 or 1500 square feet. I mean, often it would be like a three bed, one bath house with a one car garage that used to be sort of the suburban staple. Well, today it'll often be four bed, three bath, three car garage with things that didn't exist in yesteryear. Speaker 1 (00:02:26) - I mean, today you have things like multiple fireplaces and vaulted ceilings and more overall size and more amenities that would have just been considered a luxury home like 50 years ago. So the home quality is better and you also have more strict building codes that leads to things like more insulation or egress windows or different roofs or wiring or Hvac and plumbing in that courts are going to countertops, even in rentals. That was an unthinkable luxury 50 plus years ago. And also today, it's just more expensive to develop land. It takes years to get approvals for drainage and utilities and roads and environmental requirements. And after all that, all those factors that make us real estate more expensive. The US still has some of the most affordable property prices in the entire world. Now those changes that I talked about aren't bad. It just makes real estate more expensive. And a lot of times those changes are actually good. It means we have a higher and better standard of living now and now seemingly everyone from Warren Buffett, with his big investment in home builders to shark tanks, Barbara Corcoran's bullishness, I mean, all these people have made either bullish bets or bullish remarks on real estate, all these prominent figures. Speaker 1 (00:03:52) - And we are to, in future episodes of the show here, someone who admits that he's a gloomier guest. He and I are going to produce a fascinating episode on the collapse of American cities, what's happening in some of our inner cities, How bad is it and how bad will it get? Yeah, we're talking about the collapse of American cities in that episode. And also in a few weeks, I will be in the Keystone state of Pennsylvania for a different, fascinating episode. That's what I'm going to sit down with. The Honorable Secretary of Banking and Securities for the great state of Pennsylvania. He's in that role from 2020 to 2023. That's a cabinet level agency there in the state capital of Harrisburg. And my guest for that show there, yes, he was appointed to that position by Pennsylvania's governor. And he also sits on the board of trustees for an Ivy League university. That is Penn there in Philadelphia. And I'll be sure that the secretary of banking and securities for Pennsylvania that he understands some core principles here and get his opinion on those. Speaker 1 (00:04:58) - So, again, that's the secretary of banking and securities for the great state of Pennsylvania appointed by the governor. Coming up here on Gray. Now, when we look down the road into the more distant future here on the show in, well, I guess, 31 weeks on Monday, May 6th, 2024, do you have any idea what that day is? That day is episode 500 of the Get Rich Education podcast, and I'm going to take you on an abundance mindset journey then that I hope you'll never forget for episode 500. That's on May 6th of next year. So many other great episodes are in the works here for the show. The housing market has momentum. I have a lot of great material that I want to share directly with you, and we really have some of the top guests in the industry. And I guess they're attracted here because they know that they'll reach a large, passionate, actionable audience and that's what you are. So if you're new here to the podcast, I invite you come along with me. Speaker 1 (00:06:01) - I think you'll find it valuable. If you immerse yourself, you'll find it life changing and everything that we do and offer here is free. This show reliably recurs in your life every single week without any exceptions, just like it has since 2014. And we have never replayed an old show. I am here for you. I'm inviting you. Be sure to subscribe or follow in your favorite pod catcher. And the reason that I tell you about the Get Rich Education mobile app is that if you have someone in your life whose life would like to be changed by real estate investing or could be changed by real estate investing but doesn't know about podcasts that way. For iOS and Android, you can just have them grab the Get Rich Education mobile app. We are in Q4 and it is time to think about your taxes before the year ends. Today's expert tax guest is brilliant and understands nuances about the tax code that I sure don't. This centers on the US tax code. But you know what? If you're outside the United States, many nations provide similar incentives to the United States. Speaker 1 (00:07:08) - Now, I don't know about you, but in my opinion, tax talk, you know, if one isn't careful, it can quickly feel like an abstraction which can make it hard to understand. We are get rich education. I'm here to help you understand things. So what I'd like to do to help aid in your comprehension is jump in and use concrete examples during our interview here. And then after the interview, I'm also going to review what you learned. Hey, today's guest is making his debut. He's a tax reduction professional. He caters real estate investors and small businesses. In fact, he is pretty well known as the tax reduction lawyer. Hey, welcome on to John Hiatt. Thanks for having me. Speaker 3 (00:07:57) - Glad to be here from Argentina. Speaker 1 (00:08:00) - Yeah, you're joining me from a most interesting place today, a place with high inflation and tasty steaks and a lot of other things going on in Argentina today. But back here in the United States, where so much of our listenership is, I want to get into the real estate part and how real estate investors can lower their tax burden shortly. Speaker 1 (00:08:19) - But first of all, just in general, John, every one of us that has an income pays an income tax. Now, Obama had the highest marginal income tax rate of 39.6% under the Trump administration. That was soon lowered from 39.6 down to 37 when the Biden administration came into power. A lot of people felt like that 37% rate was going to be raised back up to 39.6, but it was not, and it's still at 37%. So with that context, can you talk to us more about the direction of the marginal income tax rate? Speaker 3 (00:08:55) - Gridlock, glorious, wonderful gridlock, when those people in DC are unable to, quote unquote do anything mean? I'm happy in one sense. I get a lot of opportunities to make content when the law changes. But in terms of the good of the country, when very little is changing in DC, yeah, usually I'm a happy camper and right now with the gridlock and they're not agreeing on things, I would say the most that's likely to happen, I don't think marginal tax rates will change. Speaker 3 (00:09:22) - There is some negotiation on some of the Trump tax changes, which were almost all very positive, are fading out. For example, bonus depreciation is dropping by 20% per year. Right? So the Republicans are trying to keep it at 100%. The Democrats want more spending. That's the polite term. Let's leave it at spending. And so there is some discussion going. We'll see if they can agree or not. But I don't see any massive changes coming given the gridlock. Speaker 1 (00:09:51) - Now as real estate investors and we think about the income tax, one often wonders, even when someone's been a real estate investor for a little while, John, I don't quite think they understand how the rent income is taxed differently than their daily job income. Can you tell us about that? Speaker 3 (00:10:08) - Yeah, really important in two contexts. I'm going to give you the straight rentals on straight rentals. The rental income had schedule E instead of schedule C or some other schedule. So like W-2 income, the extent it's tax, there's no self-employment or Social Security. Speaker 3 (00:10:25) - So that is a positive. Also, with things like depreciation, you have a lot greater opportunity to zero out the income or even convert it into losses. Now, if you manage to convert it into losses, we have a separate struggle which is making those losses useful. In other words, they're not being passive losses which we can have a discussion on. Another up and coming area is short term rentals. I'll just call it Airbnbs generically, even though there are a lot of other systems, it's really important to understand there's opportunity here, but there also traps. Airbnbs can be taxed as rental income or hotel income. And which one do you want? Well, the lawyer answer, of course, is always it depends. Usually we want it taxed as rental income for self-employment purposes. In other words, your Airbnb normally belongs on schedule E, not schedule C, which is good because you avoid self-employment tax. Most CPAs don't understand that. Second, from a passive loss standpoint, in other words, converting these passive bad losses into good losses that might offset your W-2. Speaker 3 (00:11:36) - You want the Airbnb treated from that standpoint as a hotel. Speaker 1 (00:11:41) - And when John's using the word hotel, he's using his fingers to make little, quote, signs around the word hotel. Speaker 3 (00:11:48) - Yes, because hotels are considered not rentals. It's an active trade or business. And the definition is different. So we have the code might take the same word and define it 15 different ways depending on which part of the code you're playing with here. That helps us real brief one your audience, A lot of them have a day job. A lot of them would have a hard time becoming real estate professionals, which would allow them to take passive losses on rentals. Right. Well, for those who happen to be in Airbnbs or even just temporarily want to get into Airbnbs to get a loss, here's a classic strategy for people who have a W-2 job or otherwise have too much work time outside of real estate. They cannot ever be a real estate professional. It's just not going to happen. And again, the impact of that means passive rental losses stay passive. Speaker 3 (00:12:40) - They. On the return. They don't help you in the present. A way to wake up those losses and make them active is the first year you have a rental for passive loss purposes. Make it an Airbnb and be personally involved with it. So let's talk about that. How do you make it an Airbnb for passive loss purposes? There are a number of ways because I can talk for hours and you don't want that. The most common way to make something into an Airbnb for passive loss purposes is on average rented for seven days or less. If you rent it for seven days or less, it still goes on schedule. E No social security tax. But instead of rental passive loss rules, you deal with the normal ones. What does that mean If you spend 100 hours or more and by the way, you means you and your spouse, if you're filing married, filing jointly, your hours both count so you can split the burden. If your hands on renting the Airbnb, let's say you buy it late in the year so you don't have to run it all year and you spend 100 or more hours on it between the two of you and no other human spends more time than you, then it is considered active. Speaker 3 (00:13:51) - People will want to rewind and listen to that because it's a great strategy for in the first year you own something going to be a rental, maybe buy it towards the end of the year, run it as an Airbnb for the end of the year. Not a big time commitment. 100 plus hours. Take the cost segregation study, write that all off and use it. It's actually will lower your W-2 income. It's useful. And then in year two, if you want to go back to it being a normal rent. Speaker 1 (00:14:17) - So we're talking about accelerating your depreciation and therefore decreasing the amount of your taxable income with this strategy. Speaker 3 (00:14:27) - Yep. So the cost segregation study where the basics of cost segregation, when you hear the term, first of all, you only use it if you can use the loss. But if the loss is going to be passive, don't add cost, it's going to cost you money and get you not. But if you can use the law, what is cost? Segregation? We depreciate more aggressively. Speaker 3 (00:14:46) - A very brief description. Everything outdoors that God did not put there. Fences, sidewalks, decks, landscaping. It was put there by builders like the oak tree that the squirrel put there. We give God credit for that one. But if the builder actually planted a row of trees, they get the credit. All these things that God did not put outdoors can be depreciated very rapidly and get you a much larger write off. And then all personal property which we define as anything a tenant can steal without using power tools. So furniture, some of the carpeting, maybe some of the cupboards, window treatments, etcetera. That's a cost seg study that will draw your income. Usually it produces a loss. And then we have to ask, can you use the loss? Speaker 1 (00:15:33) - We hit on a very specific and valuable strategy there for reducing you, the real estate investors, taxable income. But just pulling back to something more basic, you said something important in the beginning there when asked about how rental income is taxed differently than the bank. Speaker 1 (00:15:50) - You did let us know that rental income is not subject to self-employment tax and Social Security tax. And I know it's difficult to do 1 to 1 because certainly it depends. But oh, if one is in the 24% tax bracket, so therefore they're $1 from their job, that really only resulted in them getting $0.76 if they get $1 from rental income, just roughly or perhaps give us a range as to how much after tax income they get from that dollar of rent income. Speaker 3 (00:16:19) - Classic Lawyer Answer It depends. Here's a rough rule of thumb. So self-employment and Social Security tax are pretty much the same thing. Speaker 1 (00:16:26) - And how much percentage are they alone? Speaker 3 (00:16:28) - So here's how the bracket work. That's the reverse of the normal bracket. It gets lower. The more you make. Roughly speaking, I'm just rounding here. If you have 150 gram of Social Security or self-employment taxable income, for example, your W-2, this is per person, not per couple. If you have 150 up to 150, your Social Security tax bracket is roughly 15%. Speaker 3 (00:16:52) - Then it drops after that 150 grand to right around 3 to 5%, depending on factors you don't want to know. So it depends on your total income. For example, if you have a $200,000 W-2 and you run out and have a side business that generates self-employment tax, your self-employment tax is probably only 3 to 5%. So it depends on how much you're making that is self-employment taxable. Speaker 1 (00:17:18) - Right. So we're talking about how you will have a chance to keep more of your $1 of rent income than you would from your $1 of day job income. And that's interesting with the Social Security tax, I actually didn't realize that, therefore, Social Security tax is a regressive tax policy. With increasing income, you pay a lower tax rate where generally overall in the United States, we would have with the income tax what's called a progressive tax policy, where you pay a higher tax rate with increasing income. Speaker 3 (00:17:47) - Correct. And here's the theory to make it pass politically. Back when they did this in the 30s, they had to sell it as it's insurance and we're going to cap out your insurance, but we're also going to cap out your benefits. Speaker 3 (00:17:59) - And so if you look in that regard, it's not really regressive because your benefits are also capped out. Now, what's one of the proposals? Let's make it flat so that people who make more subsidizing, those who make less, making it functionally progressive because you don't get any more benefits past a certain level. Speaker 1 (00:18:17) - You're listening to get raises occasionally. We're talking with the tax reduction lawyer, John. Here we come back, we're going to talk about some more of those real estate tax advantages and get into the nuances of some things that people don't understand that well, like tax depreciation and the 1031 exchange. More with John. I'm your host, Keith Reinhold. Jerry listeners can't stop talking about their service from Ridge Lending Group and MLS 42056. They have provided our tribe with more loans than anyone there truly a top lender for beginners and veterans. It's where I go to get my own loans for single family rental property up to four Plex's. So start your pre-qualification and you can chat with President Charlie Ridge personally, though, even deliver your custom plan for growing your real estate portfolio. Speaker 1 (00:19:04) - Start at Ridge Lending Group. You know, I'll just tell you for the most passive part of my real estate investing personally, I put my own dollars with Freedom family Investments because their funds pay me a stream of regular cash flow in. Returns are better than a bank savings account up to 12%. Their minimums are as low as 25. K. You don't even need to be accredited. For some of them, it's all backed by real estate and I kind of love how the tax benefit of doing this can offset capital gains in your W-2, jobs, income. And they've always given me exactly their stated return paid on time. So it's steady income, no surprises while I'm sleeping or just doing the things I love. For a little insider tip, I've invested in their power fund to get going on that text family to 668660. And this isn't a solicitation If you want to invest where I do, just go ahead and text family to 66866. Speaker 4 (00:20:15) - This is author Kristen Tait. Listen to Get Rich Education with Keith Reinhold and don't Quit Your Day dream. Speaker 1 (00:20:32) - Welcome back to Get Rich. Okay. So we're talking with John here. The tax reduction lawyer is how he's known. You can learn more about him at tax reduction, lawyer John's real estate investors. We get some of the very best tax breaks anywhere. In fact, they're so generous that I consider it to be a profit source. And I don't know that you can really say that about taxes in all contexts. I talk about how real estate actually pays you five way simultaneously appreciation cash flow, loan pay down made by the tenant. Fourthly, is that generous basket of tax benefits that we'll discuss. And then fifthly, is the inflation profiting benefit that you get on the long term fixed interest rate debt? But coming back to the fourth one, the tax advantages, really the two big ones that I predominantly think of, the quickly come to mind for a lot of us are tax depreciation, which is a deduction that reduces the investor's taxable income and the 1031 exchange, meaning that we can defer all of our capital gains tax all of our lives, which is incredible. Speaker 1 (00:21:34) - But do you want to touch on the tax depreciation portion first, John, and tell us why that's so integral and valuable to real estate investors? Sure. When you buy stock. Speaker 3 (00:21:43) - For example, on the market, it does not produce any paper deductions. Basically, you get the stock, whatever you paid for, it is your tax cost, your basis, and when you sell it, you just look, what did I sell it for, minus the tax cost. That's my gain. There are no benefits in the intervening time. You just sit and hold it. Nothing really happens. Real estate is different and that you get a paper deduction. Why Congress said so. You get something called depreciation and it's formulaic. You take the cost that you have in the property, what you have invested, and you multiply it by some number. Now that's where the cost segregation gets interesting because we debate which number. But for the moment, let's just pick a number. The most typical one is 3.6%. Multiply the building by 0.036 of what you have invested in it. Speaker 3 (00:22:33) - And annually that's a deduction you get because and so that goes a long way when you add it to other expenses to reducing your income to zero. So the so if you have the income tax rate is much lower. Speaker 1 (00:22:45) - So if you have a $1 million building, we're not talking about the value of the land with the building, just a $1 million building. Therefore you'd have about $36,000 each year that you do not get taxed on. That $36,000 is deducted from your rent income. Speaker 3 (00:23:03) - Exactly. Try that with stock or mean you can. So that was a hypothetical non suggestion. Yeah, but that's one of the big benefits of depreciation. Now what's the downside? Because there's always strings attached. It drops your tax calls. So if I bought for a million, I took 36,000. Now my tax cost is 964,000. And so when I sell, if I sell will get into that, I have a larger gain. So there's a trade off. Now, in fairness, one of the other benefits of rental real estate is if you do sell for cash and you choose to pay taxes, we're going to talk about an alternative. Speaker 3 (00:23:39) - If you choose to pay taxes, the tax rate on selling real estate are almost always 98% of the time lower than your normal tax bracket. So even if you sell after getting this depreciation benefit, the bracket is almost always considerably lower than your normal income, which is nice. Speaker 1 (00:23:59) - I don't want this point to be lost on people. With that example I give of the $1 million building that you buy and the fact that say you get $100,000 of rent income from that, you'd only be taxed on $64,000 worth because you're able to deduct 3.6% of the value of the million dollar building against your rent income. And that $36,000 deduction typically with a lot of other investments, in order to get that deduction, you would have to make a $36,000 expense, like, for example, buying a new heating system for the building. But no, you don't have to buy a new $36,000 heating system for the building where you might qualify for that deduction. It's just the magic of appreciation. You can just take this $36,000 deduction out of thin air because the tax code says that you can. Speaker 3 (00:24:47) - Yep, it's pretty much automatic. In fact, the code says you have to take it. Speaker 1 (00:24:51) - That's right. I have learned that the tax code actually says you must take this benefit. And who wouldn't want to do that? Would there be any situation in which someone would not want to do that job? Speaker 3 (00:25:02) - Yes. If they're going to sell later on or if they're going to sell in the comparatively near future, let's say they're going to buy and hold rent for three years and they're going to sell after three years taking the depreciation if it did not help them, let's say, created a passive loss, raises their bracket a little bit when they sell in three years. Now it's still lower than your normal bracket. It's just not as. Much lower as you would like. So yeah, there are a few spots where people resisting depreciation. It's pretty rare, but it happens. Speaker 1 (00:25:32) - So you must take that depreciation, which is going to be a benefit to most investors in most cases down the road when it comes time to sell this million dollar building, oh, say ten years later, you wanted to sell this million dollar building for $2 million. Speaker 1 (00:25:47) - Oh, I'm certainly oversimplifying here, but say that gave you $1 million gain because you bought it for 1 million and you're selling it for $2 million down the road. We have something known as the 1031 exchange. It's called the light kind exchange. It's also known as a tax deferred exchange. Tell us more about the 1031 exchange when it comes to selling this example, building ten years down the road for $1 million more than what you bought it for. Speaker 3 (00:26:13) - You want to avoid paying tax. Here's the basics and then we'll get into a little bit of the process. The basics are you're swapping one house for another, but you don't have to direct swap. It's not barter. You don't have to go find someone who wants your house and you happen to want their house. That's just not practical. Rather, you sell your house, the money goes into the hands. This is really important of what's called a qualified intermediary. There are tons of them and that's pretty much a commodity at this point. So they're not that expensive. Speaker 3 (00:26:39) - The money has to go in their hands. If you touch the money with your hands, it becomes dirty money and it's taxable, which sells. It goes straight from closing to the qualified intermediary. And you have certain deadlines, 45 days to find properties that you want and 180 days total from the sale date close, which kind of can help you time, especially if you have a cooperative buyer helps you. You need a time. For example, maybe I want to find the property I want sooner and then get out and sell the one I've got and you can do it in reverse order. You can go buy a property and then sell something afterwards and say to the government, Listen, I want the funds from this later sale to apply to this prior purchase. A reverse reverse fixture. Yeah, reverse exchange. And there are some creative games we can play with reverse exchanges. They're looser rule wise than the normal ones. I enjoy those 1031 exchange. Speaker 1 (00:27:36) - Such a benefit where you can defer your capital gains tax. Speaker 1 (00:27:40) - Hey, in this example you had $1 million then that would be subject to the capital gains tax, which is going to be a rate of 15% or more. And if you don't do a 1031 exchange, you have to pay back to the government all at once that tax depreciation that we discussed earlier. So there are actually consequences. It's going to feel like there are consequences to not doing a 1031 exchange. So you kind of get your money trapped in this real estate game. It might be the best place to have it, but that's something that I think investors need to understand for the long term. Speaker 3 (00:28:12) - And it's the classic strategy. 1031 Until you die. Now, what typically occurs with investors and then life cycle, they want a little more time, so they start 1030, letting in some more passive type investments, whether it's with a management company or a property that by its nature tends to be a little bit more passive, but the object is to die and not sell. I'm not suggesting everyone go out and die right away. Speaker 3 (00:28:37) - That's great tax planning. But in terms of reality, it's not so great. But if you. 1031 let's give an example. You bought for a million, many years later it's worth 10 million. Your basis in the property is 100,000. You've depreciated it. So if you sell, there's a huge gain, you die. Whoever inherits is going to love you. At least we hope they will, because when they inherit the property that's worth 10 million, their tax cost, their basis at law is 10 million. They can sell the next day with no gain. That's the infamous step up in basis. And the object is to convert the deferral into tax free. If you defer long enough, it becomes tax free. That's the goal. Speaker 1 (00:29:18) - And John touched on it. There is no limit to the number of times that you can do the 1031 tax deferred exchange. As a real estate investor, you can trade up from a $1 million property to a $2 million property. Ten more years go by to a $4 million property. Speaker 1 (00:29:33) - Ten more years go by to an $8 million property. Now I'm certainly oversimplifying this, but at each step you don't owe any capital gains tax. So because you can defer it endlessly, you really never have to pay it and effectively becomes tax free with that step up and basis to your heirs like John just described. John, I'd like to know your thoughts. You know, it seems a few different presidents lately. I know Biden, at least he threatened to do away with the 1031 exchange. I just wonder if the 1031 exchange is ever going to get precarious. I think some people, though, don't understand that the 1031 tax deferred exchange has been around for more than a hundred years. Speaker 3 (00:30:12) - They've been talking about getting rid of the 1031 since the 1930, and Democratic administrations have threatened to do it since the 1930. They've never had the supermajority they need to actually get away with it. And even then they've come close to it. And even then, some of the lobbyists on the Democratic side said, listen, this is not a good idea, freezes up capital. Speaker 3 (00:30:36) - We want people to be able to buy and sell and not be frozen into a property because of tax reasons. So, look, could it happen? Sure. We live in a crazy world, but the probability of the 1031 going away I think is pretty darn low. Let me give one real quick trick that's going to help. Some people won't help very many, but the ones that helps it help big time for you. 1031 A property. Ask your accountant. Do I have any passive losses tied up in the property? They're going to know there's going to be a form on your larger tax return. There are different versions of your return. The big thick one is not. The one that goes to the government. Ask them how much passive activity loss you have in the building. Whatever that is in a 1031. Take out the cash. It's tax free and in fact, it's tax arbitrage. To give you an example. We are selling a property. You had a million and you're selling for 2 million. Speaker 3 (00:31:29) - Let's say you had 100,000 of passive losses tied up in it. Go ahead and take out 100,000 cash from the exchange. Go ahead, ask double check with the 1031 intermediary because they know the rules. But go ahead and take out the 100,000. What happens? You get the 100,000 tax free because your passive losses that were hibernating on the return are now activated and wipe out. Normally when you pull cash out of a 1031, there's gains. Normally we don't do that. But here the losses are activated. They not only offset the 100 you pulled out, they drop your tax bracket because you're getting a capital gains tax bracket offset by a normal loss that was now brought out of hibernation. So just a little trick for those of you always before 1031, always ask your CPA, what's my passive activity loss? And think about taking out exactly that amount of cash, tax rate, tax arbitrage. Speaker 1 (00:32:28) - I just learned something as well. I've got a number of 1031 exchanges in my life and that's one tip that I sure didn't know about. Speaker 1 (00:32:35) - So thanks for that. And if you, the listener, if you want to learn the nuances of the 1031 exchange, which John and I aren't going to do here, because that really goes a mile deep with the three properties rule and the 200% rule and all of that. You can listen to episode 143 where that entire episode is dedicated to the 1031 tax deferred exchange and just how you can best pull it off for maximum tax efficiency so that you can then go ahead and re leverage those dollars into a larger property later. Well, John, that was very helpful on both tax depreciation and the 1031 exchange. Do you have any last things to share with us? Any last strategies so that a real estate investor can pay less in tax or anything that's particularly helpful? Speaker 3 (00:33:21) - Yes. There's this concept of the Trump tax law called the pass through deduction or qualified business income tax code, Section 199 Capital A First of all, it applies to all rentals. Unless they're triple net least. A lot of accountants still don't get that. Speaker 3 (00:33:38) - You have to have a trade or business that's tax term trade or business rentals that are not triple net leased are a trade or business, which is a good thing under the code. So there's this deduction. It's large. If you're showing that income even after depreciation and everything you buy is typically 20% of the net income. So if I'm showing 100 grand of net income, I get a $20,000 deduction because Congress said so. Protect that. In particular, if you make roughly I'm rounding here 164 grand total taxable income on your 1040 single and roughly 370 filing joint, there are special things you need to do to maximize the QBI and you need to do it before the end of the year. Nothing pains me more than to see high income people who benefit the most from this deduction because of their high bracket and they're in these high brackets. And if they would have done a little bit of talking to their CPA, hey, I think I'm going to make married filing jointly 370 or more for the year. It's going to cut my QBI based on the mechanical rules. Speaker 3 (00:34:41) - What can I do to preserve my qualified business? Income tax deduction might pass their tax deduction. To do that, you need a really good set of books and returns. You have to have good books in the knowledge of your income so your accountant can look and say, Hey, here's how much we think you're going to make. B Here's what we can do to preserve this deduction. That is the number one easy pick up by C in tax returns. I review for planning purposes that people missed in prior years and we tell them going forward, please, please towards the end of the year, start thinking about if you're going to show gain. Doesn't matter if you're showing a loss, but if you're going to show gain in any business, not just rentals, please look at the deduction. Please make sure you're getting the full 20%. Speaker 1 (00:35:25) - John is an expert at looking at your recent tax returns and pointing it to one area and saying, hey, there's a quick ROI for you if we change this. And right over there is another quick ROI for you if we change this. Speaker 1 (00:35:37) - Well, John, that's been great with what we can do with the existing tax code to help optimize our situation. But wrapping up here, a lot of people are interested in what's coming down the road in the future. It can be a little bit speculative, but it also can be a proxy for how people and politicians are thinking. And that's. Is there anything that the presidential candidates are offering tax wise? It's very interesting whether that be an RFK Jr or a Ron DeSantis or a Vivek Ramaswamy or Nikki Haley or anyone else with this potential future direction of where an influential candidate wants to take taxes. Speaker 3 (00:36:15) - I think the parties are pretty consistent regardless of candidate. Now they each have their subgenre of flavor, right? Do you like your chocolate? Dark or milk chocolate or with or without salt, but it's still milk chocolate. So likewise, the Democratic presidential candidates are going to be looking to increase taxes, get rid of what they view as loopholes, and they are aware of real estate having a lot of special benefits and they don't care for it. Speaker 3 (00:36:41) - The Republicans, by contrast, are going to be more for lowering taxes. They are not hostile to real estate. They're generally pro-business, especially pro small business. And I think that's consistent across the board. I don't think there's a lot of deviation there with either party. The specific proposals will vary. For example, the Kennedy candidate strikes me as less hardcore left wing and a little more common sensical than maybe some of the more progressive sorts and might not be as harsh in that regard. Speaker 1 (00:37:13) - Well, that's helpful in knowing what future policy might be and that might affect the way that you want to vote. This has been really helpful, particularly to real estate investors and small business owners. You are the tax reduction lawyer, so if our audience wants to connect with you and learn more about what you can do for them, what's the best way for them to do that? Speaker 3 (00:37:33) - Not coincidentally, tax reduction lawyer.com and I put out a ton of content. I take a few clients but it's really getting more and more content based. Speaker 3 (00:37:43) - So if you like what you heard, you might hear more. Speaker 1 (00:37:47) - Sometimes in the video, hear you and the audio only might not be able to see that. For example, when John was using the word loopholes, he was using his fingers as air quotes. He understands that these are intentional incentives that help direct behavior because the government knows that society is generally better off when the private sector and the mom and pop investor are the ones providing good housing for society. A lot of public housing projects really haven't fared so well. So that's what John is here to help you do provide clean, safe, affordable, functional housing for others and get all the tax benefits that come along with that. Hey, John. Hi. It's been great having you here on the show. Speaker 3 (00:38:26) - It has been an absolute pleasure. Thanks for having me. Speaker 1 (00:38:35) - Oh, yeah. Nice clear breakdowns from the tax reduction lawyer John Heyer. I was talking with John Moore outside of our show. He read the entire some 1000 page long inflation reduction act that was passed last year. Speaker 1 (00:38:51) - He did that to try to help understand its tax implications for his clients and was kind of impressed that he had the endurance, I suppose, to read all of it. And I asked him how many members of Congress he thinks read it and we both answer the question at the same time. Zero To achieve one looks like the top 1%. You must act like the top 1% does. And that might include tapping the expertise of a pro like John to review what you've learned today with our expert guest John. No changes to federal income tax rates are expected. There are ways to lighten the tax burden on your short term rentals, which you might not be aware of. Your dollar of day job income that's taxed at a higher rate than your dollar of rent income. Because on your day job income, you must pay Social Security and self-employment tax. You don't pay those tax types on your rent income. Real estate tax depreciation is kind of like magic. It means that you can write off a portion of your rent income each year, meaning that you can make it non-taxable even if you don't have a real expense associated with doing that. Speaker 1 (00:40:03) - You learn more about the 1031 tax deferred exchange and the fact that it will persist as a benefit for real estate investors is highly likely. Again, if you like what you learn each week on the Gerry podcast, I invite you to subscribe or follow within your favorite podcasting device. For those non podcast listener friends you might have, they can try the Get Rich Education mobile app. Everything that we do is free until next week. We'll all be back to help you build your wealth. I'm your host, Keith Wild. Don't quit your day dream. Speaker 5 (00:40:36) - Nothing on this show should be considered specific, personal or professional advice. Please consult an appropriate tax, legal, real estate, financial or business professional for individualized advice. Opinions of guests are their own information is not guaranteed. All investment strategies have the potential for profit or loss. The host is operating on behalf of Get Rich Education LLC exclusively. Speaker 1 (00:41:04) - The preceding program was brought to you by your home for wealth building Get rich education.com.
Sunni Chauhan and Sheryl Jacobson became friends freshman year of college, living in the same distant dorm near the river. Across the years, never living in the same city, they have maintained a close friendship that has sustained them. In this conversation, they discuss their friendship's origin story, how they have kept the relationship going over the years and what it has meant to each of them.You can hear each one of their stories on a previous Roads Taken Episode. Sunni was featured in Episode 143 called Merging Interests and Sheryl was featured in Episode 144 called The Sometimes Lonely Road.Find more episodes at https://roadstakenshow.com Executive Producer/Host: Leslie Jennings RowleyMusic: Brian BurrowsEmail the show at RoadsTakenShow@gmail.com
All eyes have been on the University of Pennsylvania and the Palestine Writes event, a gathering meant to give voice to Palestinian art, poetry, and literature on campus. However, a number of the speakers, including Roger Waters and Marc Lamont Hill, have well-documented histories of antisemitic statements. Maya Harpaz, Vice President of Israel Engagement at Penn Hillel, and Jonah Miller, a reporter for The Daily Pennsylvanian, take you through what unfolded, growing campus antisemitism, defining free speech on campus, and the responsibility of university administrators to protect Jewish students. *The views and opinions expressed by guests do not necessarily reflect the views or position of AJC. Episode Lineup: (0:40) Maya Harpaz, Jonah Miller Show Notes: Watch: Live from Penn: Maya Harpaz of Penn Hillel on Palestine Writes Read: Everything you need to know about the Palestine Writes event at Penn and antisemitism. AJC Campus Library: Resources for Becoming a Strong Jewish Student Advocate Listen: What the UN Needs To Do To Stop Iranian and Russian Aggression Follow People of the Pod on your favorite podcast app, and learn more at AJC.org/PeopleofthePod You can reach us at: email@example.com If you've enjoyed this episode, please be sure to tell your friends, tag us on social media with #PeopleofthePod, and hop onto Apple Podcasts to rate us and write a review, to help more listeners find us. __ Transcript of Interview with Maya Harpaz and Jonah Miller: Manya Brachear Pashman: Meggie Wyschogrod Fredman, AJC's Senior Director of the Alexander Young Leadership Department, guest hosts this week's conversation with two Jewish college students about a situation on their campus and how they responded. Meggie, take it away. Meggie Wyschogrod Fredman: Thanks, Manya. This past week, it seemed like all eyes were on the University of Pennsylvania in the lead up to the Palestine Writes event. The event was meant to give voice to Palestinian art, poetry, and literature- all of which are quite appropriate and indeed valuable to have on a university campus. However, a number of the announced speakers strayed from the event's purpose and instead have well-documented histories of antisemitic statements. These include Roger Waters, who was recently described by the U.S. State Department as having a long track record of using antisemitic tropes, after he desecrated the memory of Holocaust victim Anne Frank, compared Israel to the Third Reich, and recently paraded around a stage wearing an SS Nazi uniform during a concert in Berlin. It also included Marc Lamont Hill, whose public remarks as a CNN commentator called for Israel's eradication. At play were questions around growing campus antisemitism, free speech on campus, and the role of university administrators in preventing such bigotry–particularly with the release in May of the U.S. National Strategy to Counter Antisemitism, and its outsized focus on how antisemitism affects Jewish students on campus. To help us break down these events and what unfolded are two Jewish students who experienced this all firsthand and helped drive the course of events. Joining me are Maya Harpaz, a junior at Penn, and Vice President of Israel Engagement at Penn Hillel, and Jonah Miller, a junior at Penn, and a reporter for The Daily Pennsylvanian, Penn's student newspaper. Maya and Jonah, thanks for joining us on People of the Pod. Jonah Miller: Thank you so much for having me. I'm really looking forward to our discussion. Maya Harpaz: Yeah, thank you for having us. Meggie Wyschogrod Fredman: Great. So with that, let's jump in. So there are many chapters to what happened at Penn, and I think a great deal of misinformation. So let's go back to the beginning. When did Jewish students first hear about the Palestine Writes event, and particularly its speaker lineup? And upon initially learning about it, what were the specific concerns that Jewish students had? Jonah Miller: I think that when I learned about the Palestine Writes event, I learned about it simultaneously with who some of these speakers are. Penn is a large university and institution that has countless events each day, hosted and co-sponsored by numerous different departments and facets of the university. If I had learned about this festival, solely, just about the festival, I would say, you know, great, it's great that this culture, and these literary items are being amplified on campus. Everyone and every culture should have a space on this campus. But to learn about at the same time as concerns of antisemitic speakers, that's when I as a Jewish student, started to get a little nervous. Nervous, because how could Penn allow antisemitic speakers to come speak on a campus that is close to 20% Jewish? And even without that high percentage, how could they be invited to speak at all? Maya Harpaz: Yeah, I can touch on that as well. In my role as VP Israel, a big part of that is seeing what events are going on, whether it be related to the Middle East at large, Israel, Palestinians, all of that combined. So I learned about this event A while ago, late July, early August. So before it was really even being spoken about on campus. I was having conversations as the speakers were still being finalized, as marketing materials were still being put out and discussed with a lot of the other student leaders and Hillel staff, about what our approach was going to be to handle this event. And how we were going to relay that to the Jewish community at large. So similar to what Jonah said, Jewish students definitely learned about the event and the problematic speakers hand in hand after Hillel started sending out emails about it. And after we sent our letter to the administration and after the DP coverage. Meggie Wyschogrod Fredman: So Maya, I want to dive into that approach in the letter that you just raised. At least from the outside, one of the first steps seemed to be a letter drafted by Penn's Jewish student leadership to President Magill, of which you were a signatory, outlining specific steps the community wanted the university to take on. So can you give us some background of how that letter came into being and can you share for our listeners what it outlined for the administration? Maya Harpaz: Yes, so this letter came to be sort of as we were having these conversations over the summer. And then once we got to campus, we all sat down with the presidents of PIPAC, SSI, Tamid, presidents of Chabad. And we sort of sat down and we were like, we know why these speakers and why this event could be problematic for our community. How do we outline that to the administration in a way that is logical and not also attacking of another group's culture. Because that's not what we wanted to do. It wasn't our goal to get this event canceled, it wasn't to blow it up in their faces. It was really just, we have specific concerns, and how do we articulate that? So we wrote this letter addressed to the president, the provost, and the dean, and sent it to high-level members of the President's administration, specifically referencing Roger Waters and Marc Lamont Hill. And we asked them to have a meeting with us so we could really sit down and have a conversation, and to make a statement about this event. And from my perspective, it was definitely a productive meeting, we voiced our concerns about the speakers, we asked them a lot of questions about what was the process of this event being welcomed on our campus, and they explained how they rented out the space and the head of the NELC department explained the process of co-sponsoring, and we really had an open dialogue about what really happened and how we can improve on that in the future. And then shortly after that, the President released her statement about the event. Meggie Wyschogrod Fredman: So Maya, I want to dive into a number of things that you just got at. So one is, and you alluded to this, the letter specifically did not call for the canceling of the event. And from my understanding, that's not something that Hillel was asking for. Can you talk about why that is? Maya Harpaz: Yes. So as Jonah also said, when you learn about just the event as the Palestine Writes Literature Festival, it sounds perfectly normal. Sounds like it's just a group wanting to celebrate their culture and their literature. And our goal was not to cancel that. There was over I think, 120 speakers. And our goal was to call out the ones that were problematic towards our community, not cancel their right to speak, their right to celebrate. I'm a big believer in free speech. And I didn't want to ask anyone to cancel something. I know that, I'm sure that we at Hillel and Chabad have events with proud Zionists that have maybe done questionable things or said questionable things in the past too, that maybe even some of our own Jewish students don't agree with. But Roger Waters definitely crossed the line for us. And we ended up asking for him to be uninvited and even though he was on Zoom, we were definitely very, very concerned about that, because it definitely crossed the line of our threshold of comfortableness in terms of hate speech, but it wasn't our goal to get this event canceled. And we knew it wasn't a reasonable ask either. It was a huge event that's been in the planning and in the works for a year. Meggie Wyschogrod Fredman: And then I want to touch on kind of the tail end of what you just described. So what did come out of that initial letter is President Magill, and her administration, indeed issued an initial statement following that letter, following what you had articulated. And that statement did have a clear condemnation of antisemitism, but it left some unsatisfied with what may not have been in there. So I'm curious from both of you, what was your interpretation of that initial statement? And can you describe what came next, particularly as the national attention started to build around Penn? Jonah Miller: Yeah, I can take this one. So in President Magill's letter, she described antisemitism as antithetical to the values of the University of Pennsylvania, which as a Jewish student was very comforting, reassuring to hear that the president of our university is very clearly against antisemitism. At the same time, she also explained how this is an event that is not being promoted or organized by the university. And at the same time, she also wrote how the university supports the notion of free speech and the free exchange of ideas. So I think what you're getting at is that, definitely a condemnation of antisemitism, which is a win. But at the same time, it doesn't really seem like there was much action that was going to be taken from the letter. It was more an acknowledgement that the Jewish voices on campus who have concerns with, as Maya said, a few of the many speakers of this festival, were being recognized, but they were not being acted upon. Meggie Wyschogrod Fredman: So Jonah, I mentioned at the start that you are a reporter for The Daily Pennsylvanian. So from a different lens, shortly before Shabbat and Yom Kippur, it was reported that a member of the Penn community entered Penn Hillel and in essence somewhat ransacked the lobby while also screaming antisemitic vitriol. So Jonah, can you share, first of all what we know about that, and also what it was like reporting on something that so directly affected your community? Jonah Miller: That's a great question. So in order to walk you through this timeline–to my knowledge, this is still under a form of investigation by the university, and we'll see what comes out in the next few days or weeks. But in terms of the timeline: so last Thursday morning, The Daily Pennsylvanian received information that an individual entered Penn Hillel, so all of a sudden our journalistic gears start turning, and we wanted to reach out to as many sources that have some relation to Penn Hillel, which for those of you listening is kind of the epicenter of Jewish life and culture on Penn's campus. So from what we understand now, an individual entered Penn Hillel, as someone was opening the door for early morning services, a member of the Orthodox community at Penn. Entered in to Penn Hillel a few minutes before the building officially opened for the day at 7am. So there was no security guard posted, to my knowledge. And entered the lobby, smashed a podium, flipped over a table, all while reportedly shouting antisemitic speech. So that's kind of what we understand was happening. And in terms of how it affected me, as someone who was writing it, I was really passionate and driven to make sure we have the full story. And I think as a journalist, or as an aspiring journalist, it's really important. But at the same time, as someone who I know, people from my community on campus, chances are people from my family or the extended Jewish community, in the Philadelphia area, and across the country might be reading something like this. It was really important to make sure that we had all the facts as strong and robust as possible. But at the same time, it was hard typing those words, it was hard typing how someone entered a place that I like to call a home, for me and for the rest of my Jewish community here on campus. So kind of finding that balance was definitely difficult. Meggie Wyschogrod Fredman: I can only imagine. And I want to turn to I guess to yet another lens, again with your journalistic hat on. Roger Waters, who Maya alluded to earlier, has a long history and well documented history of antisemitic speech, has, in recent days, basically lashed out at the paper and its coverage. I'm curious what your thoughts are about that and how that is being received by the paper. Jonah Miller: I think that, as campus journalists, it's our duty to be non biased as much as we can. And like I said, really just stick to the facts. We wrote how Penn Hillel was entered by some individual and he was yelling antisemitic speech in a clear and vivid example and trend of rising antisemitism, without a doubt. Roger Waters took this, he actually, I know the video that you're talking about, he said that he was on his way to Penn State, which first of all is not the university that we attend. But he said that he was on his way to Penn State for the Palestine Writes Festival and how the Daily Pennsylvanian commented on his history of antisemitism. But like you said, this is well documented, this is not something that we pulled out of thin air and labeled him as having a history of antisemitism. It's there, it's online, for everyone to see. And it's unambiguous. So for him to lash out at student journalists, you know, all students who are trying to do their best and maintain this journalistic integrity and share facts with our campus community members. For him to lash out at us, it's disappointing, but at the same time, we don't want to respond and kind of promote this behavior of his in any way. Maya Harpaz: And something else I'll just add is, he also mentioned in that video that he came to Philadelphia ready to speak, and then was just informed that he couldn't come to campus and posed this whole idea that Penn isn't allowing him to come on campus. And this just happened. And he came all the way here and he's ready to be here. And he wants to show his support for the Palestinian community. But as I mentioned, I've been following this event since over the summer. And I think Penn also commented this in a new article in the DP, that he was never speaking in person, it was always planned that he was going to speak on Zoom. So for him now to twist the facts and frame it as our school is his canceling him just as he arrives to speak here was definitely very misleading. Because it was never the intention of the university to have him come in person on our campus due to his extensive history of antisemitism. And he ended up coming onto our campus and rolling his window down, as I'm sure many people saw on the video, to actually articulate to participants of the conference that Penn isn't allowing him to speak. Meggie Wyschogrod Fredman: So I want to try and turn to something more positive, which really stems from both of you. I think, to me, what really was so inspiring to see is that instead of simply focusing on the pain, and there was tremendous pain that this caused, Jewish student leaders took a completely different path, rooted in celebrating the vibrancy and the pride of the Jewish community. And this led to the creation of Penn Unity Shabbat, which our own CEO, AJC's CEO Ted Deutch attended in solidarity. How did that come into being? And importantly, what was the feeling like in the room on Friday night? Maya Harpaz: Yeah, so this was sort of in the works from that initial meeting we had, at the beginning of the semester, when we were talking about how we want to respond to this, it was definitely always an idea that we want to have a big gathering. It's right before Yom Kippur, it's right before a very holy weekend for us. Regardless of what's going on on campus, it's important for us to feel that togetherness, and definitely because of that event, even more so. So it's been in the works for a bit and then sort of as media attention progressed on the Palestine Writes event, and as we were getting more inquiries from people about what was going on, it became really clear that this needed to be a big event and it had to go beyond just our campus community. We needed to invite leaders like Ted Deutch and leaders from Hillel International to really come and join us and to speak with them and to have their support. And the actual feeling of being in there was really awesome. I've never seen Hillel so packed before. The entire building was full, the first floor and all the rooms on the second floor. I've never seen so many people there. So it was really special. Jonah Miller: To add on, from the perspective of someone who did not have a hand in planning it, but was a proud attendee of this event, you could really feel, like you said, the vibrancy in the room and the energy where you know, in between Rosh Hashanah and Yom Kippur students from all different parts of the Jewish community were really excited to be there. I've been to my fair share of Penn Hillel shabbats. But you know, this time I had seen people who I might not have seen before at one of these events. So I think it was really, you know, I was really proud to be a member of the Jewish community at Penn and to really see people, you know, really just come together. Meggie Wyschogrod Fredman: What a way to bring joy to a moment that really could have just focused on the challenge, so that–it's really unbelievable. Zooming out, now that you're a few days, just a few days, away from everything. So campus issues affecting Jewish students do get press coverage, but often it is simply within Jewish news outlets, and rarely in the wider press, and certainly rarely for such an extended period of time. What we saw at Penn felt unprecedented, both in the national interest and in the last in coverage. Why do you think it led to such significant coverage? And how did that affect the campus environment at Penn? Maya Harpaz: I think one reason for that is because of Penn as an institution, as an Ivy League institution, and also as a well-known Jewish institution. Penn has a long history of a very strong Jewish community that's actually been decreasing in size pretty steadily over the years. So I think that was a big reason why we got so much attention. I also think because of the way that we responded to it, I think if we decided that we weren't going to say anything, and we were going to let antisemites come onto our campus and spew hate, and we just put our hands up, that there wouldn't have been so much attention. But I think because we pushed back on it, it became this discourse that got a lot of attention. I don't even know how to describe it still, because I'm still processing everything that's happened over the last few weeks. But me personally, I'm not a journalist. I'm not usually someone who's ever in the news or speaking to the press. But the amount of attention that that's been on us has really, really been unprecedented. As you mentioned, it's definitely been a bit overwhelming too but I'm also grateful that we've been given a platform to share what's been happening and to bring awareness to it. Because we've seen this happen at many other schools that have large Jewish communities and very strong Jewish communities. And I never thought that an event like this would or could happen here. So I've definitely been very appreciative of all of the support that we've gotten. Jonah Miller: At the same time, I think that the incident at Hillel follows a long lasting and unfortunately, growing trend of rising antisemitism. And I think that news outlets picked up on that. Secondly, to give some credit to my amazing team of reporters and copy editors at The Daily Pennsylvanian, I think that our quick and trustworthy coverage at the paper allowed news outlets, national news outlets, to cite us in their own articles. So for instance, this incident that happened at Hillel, I noticed that within 12, 24 hours, it was picked up by Fox News, and CBS News, both of which cited interviews that I myself conducted with students who were at the scene, in their own articles. Meggie Wyschogrod Fredman: So connected to that, in addition to the media attention, I think, many Jewish organizations, some of which had little to no relationship with the Jewish community on campus, came to campus with their own ideas of how the situation should be resolved. What advice can you give to Jewish organizations who want to help when a situation arises on campus? Maya Harpaz: The biggest advice that I can give is just talk to us. No campus is the same and although unfortunately a lot of antisemitic incidents happen on a lot of universities, the climate of each campus is very different and the wants and needs of students are very different based off of their campus. So it's definitely important to speak to students before you make an assumption about what they you think they want or make a plan for what can be done and how to solve this issue because it's really us who have a stake in this, obviously the Jewish community at large cares, but it's it's us who have to live this as our reality. Penn is our school. It's also our home. It's our social lives. So it's our everyday lives, we can't escape that. Meggie Wyschogrod Fredman: So while the particular event itself may have passed for right now, there is a great deal to do on Penn's campus in the wake of these events. The President has committed to implementing much of the US National Strategy to Counter Antisemitism, of which dozens of AJC recommendations were included. And Penn Hillel itself has dedicated time and resources to educational programming around antisemitism. So as student leaders, what do you want to see next? And importantly, what advice do you have for other Jewish students should something like this happen on their campus? Maya Harpaz: So something that we talked about with members of the administration and things that we want to see next is more–and this is something that President Magill mentioned, as well–is more oversight when hosting events on our campus. When this event came through, it was just listed as the Palestine Writes Literature Festival. And they were like, cool, literature festival, fine. But there definitely needs to be more work done to make sure that the lineup of any event is not including someone that is not in line with, as President Magill said, our institutional values. Something else that we discussed is further training for Penn faculty, whether that be residential advisors, or professors, to be trained on how to combat antisemitism and how to identify antisemitism and really introducing that into the other forms of training against hate that faculty go through. And a big longer term goal that I think at some point, maybe in the nearer future than I initially anticipated, is implementing the IHRA definition of antisemitism. Jonah Miller: Hopefully, an incident like this does not happen at the campuses of other Jewish students. But should something happen, my recommendation would be to just remember that our unity can overcome the hate and the vitriol being spouted at us. At the Shabbat together event at Penn Hillel, a Penn alum and someone who's very involved with the Penn community and with the Jewish community, Stuart Weitzman, spoke about how Jews have triumphed over hundreds of years and 1000s of years of banding together. I think that message remains ever-important, to remind ourselves about today. That we really as a community are stronger and can overcome this adversity when it comes right on our doorsteps. Meggie Wyschogrod Fredman: What a beautiful note to end on, and I have to say for myself, for us here at AJC, and certainly for the Jewish community at large, the reason we feel so hopeful about the Jewish future is because of Maya, your leadership, Jonah, your leadership, and both the courage and joy and thoughtfulness that you brought to this situation. So for all of us, I just have to say a big thank you. Jonah Miller: Thank you so much, and thank you to AJC for all the work that they're doing for students like us on campuses. Maya Harpaz: Thank you so much for having us. It really means so much to both of us to be able to have our platform and to share what's been going on at Penn. Manya Brachear Pashman: If you missed last week's episode, we went behind the scenes at the UN General Assembly with Simone Rodan Benzaquen, the Managing Director of AJC Europe.
I can't tell you how often I have felt lost in my life. This was a very long period in my life and I didn't have anyone to help guide me from the dark times that would come and go throughout my days. I felt completely stuck. I was not awake or aware during this time of my life. • I would struggle with my businesses. • It was hard to maintain healthy relationships. • I kept having health issues. • I was always in a state of stress or worry. I was unhappy most of the time and depression would eek in and out of my days. When I had the little wins in my life, I acted like I was elated, but I felt a void or that something was lacking in these wins. Since I know I'm not alone in the way my life used to be, I wanted a guest on Guided Spirit Conversations who can raise the shade and bring insight and light to this state you may be challenged with. This week's guest is Robert Althuis. Robert seemed to have it all. He went to an Ivy League school. He was a senior executive at GE, and later a very successful entrepreneur, real estate developer, and founder of an investment firm. Yet, something was missing. He would get what I call a ‘tap on the shoulder from spirit,' but he didn't listen until his life fell apart. His marriage failed as did his business. His life was in crisis. This, as Robert calls it, “fall from grace,” forced him to go within and to dig deep, which ultimately led him to a whole new level of success, abundance, health, and happiness Join me as Robert Althuis and I break it down for you. We will talk about his journey and his steps to this new and improved life of his, and share steps on how you can begin to awaken and create your new life. For more information about Robert: https://robertalthuis.com/ Don't forget to check out my website: https://www.marlagoldberrg.com/ Support the Podcast here: https://www.paypal.com/paypalme/marlaGoldberg Venmo: https://account.venmo.com/u/Marla-Goldberg-21 Charity of Choice: https://www.coralrestoration.org
Greg talks to Nick Lorensen of Mid Major Madness about the outlook of the Big West & Ivy League along with who from these conferences can make noise on the national landscape.See omnystudio.com/listener for privacy information.
Another episode of the For Stars Podcast is here, and today we are proud to bring you a solid episode featuring the Head Coach of Harvard Radcliffe Women's Crew, Ms. Claire Ochal. This Crimson Coach is a Massachusetts Native, walking on to row for Boston University on their Women's Rowing team in 2008, graduating from BU in 2012, impacting the program on a positive note. Attending Graduate School at Temple University, Ochal coached the Owls Women's Rowing team as a Graduate Assistant, as her first introduction to coaching a Division 1 Crew team, learning the fundamentals. Coming down to California, Ochal coached for the well-known SoCal rowing program, Long Beach Junior Crew for a few years before being brought up to coach at Syracuse University, coaching the Women's Rowing team there for five years, departing in the role of Associate Head Coach, along with Recruiting Coordinator. During the summer of 2019, she assisted USRowing in the Under-23 Women for the Development Camp located at PNRA Mercer in New Jersey.On the 31st of July this year, Ochal was appointed the Head Coach of the Crimson Women's Crew team, after her stint coaching the Orange. Announced this week, were the new additions of her coaching staff will be added forces into creating and improving the Radcliffe Women for years to come. We talk about all things rowing-related at Harvard, her first two months at the helm of the program, goals for this season, along with more topics shared. Coach Claire Ochal is well-suited for the job and is set on impacting the lives of these young women to be the fullest, and richest form of themselves that they can be. Be sure to tune into this wonderful episode. Go Crimson!Xeno Müller - Elite Rowing Coach Make your rowing dreams real! Use Code “FORSTARS” for $200 OFF on your desired training package!Disclaimer: This post contains affiliate links. If you make a purchase, I may receive a commission at no extra cost to you.
Dr. Taniqua has mastered QUITTING in her midlife journey. As a Life Coach, she is showing other women of color to do the same so that they can live a boundless life in these midlife streets. Tune in to learn how she QUIT not only her clinical practice but other things in her life to overcome burnout and create the life she wants and deserves!Let me tell you more about her... Women's Health Advocate.Transformational Coach.Unapologetic Hype Girl.Dr. Taniqua Miller is a board-certified OB/GYN and national Certified Menopause Practitioner. She prides herself on her commitment to supporting women and girls through their reproduction transitions and beyond. After 14 years in academic medicine, Dr. Miller experienced professional burnout and made the decision to pause her clinical practice. During her time away, she read a devotional giving her a new call to action: Be Boundless. As a first generation American, college graduate, and physician, she now tells her story of burnout and her secret weapon to living a boundless life: quitting!Dr. Miller received her BA in Psychology from Yale University and completed her medical degree from Harvard Medical School. But don't let the Ivy League stats fool you. Dr. Miller's relatability and authenticity brings her audiences and clients closer to the truest versions of themselves. She is a champion of equity in women's healthcare and a committed educator for medical students and trainees of color. She is a transformational speaker and professional coach for her signature program, Burnout to Boundless™ Coaching. Her mission is simple: helping burnt out 1st generation professional women of color QUIT so that they can live the life of their dreams.And as an OB/GYN, she has birthed yet another Amazing thing…REVIVAL, a new innovative Telehealth platform for people going through the menopausal transition, focusing on inclusive and diverse menopausal care. To learn more, click the link in her IG bio.Follow and Connect with her!!https://www.instagram.com/taniquamillermd/https://www.linkedin.com/in/taniquamillermd/#justquit #burnout #blackwomenburnout #blackwomeninbusiness #businesscoaching #entrepreneurship #womenentrepreneurs #midlifeblackwomen #over40women #over50womenPlease Leave a 5-star Review & Share!!And don't forget to SUBSCRIBE so you can catch the next episode!You can also WATCH the episode on YouTube!!
Hartford was a bust, but New Haven's got a little spring in its step! We explored this coastal city on a whim and are so freaking glad we did. From its bold claims of being the birthplace of the burger AND American pizza, the food game in this town is solid. Coffee game? Also on point. Pair that with Nathan Hale being a crappy spy and all of the mystique and intrigue that a certain Ivy League school has to offer, and you need to pull up a chair... because we're about to reveal the secret knock to The Elm City's bustling society. You've been sleeping on this city in Connecticut--and that's why you can't get into Yale. Also, Denise invents a band out of thin air. Enjoy! You can find us on YouTube here and we need you to SUBSCRIBE! You can follow us on social media here. #emptynest #fulltank
EPISODE SUMMARY In this episode of Chan with a Plan, Max Speaks with Sonja Price, Career and Leadership Coach at Dynamo Careers. During this conversation Sonja discusses creative job search techniques, market competitiveness, and strategies to applying online. QUOTES FROM SONJA “If you're sending that first initial connection requests on LinkedIn, you'll only have 200 characters. So, you're going to have to keep it short and sweet.” “One of the biggest challenges that I see with networking is that people rely on their existing network. They reach out to friends and family. If you went to an Ivy League school and you have this very well-connected integrated network that can get you directly in contact with the CEO of all your favorite companies. Great, awesome. Go for it. And it's not that you have to connect with the CEO, but if you don't have friends in the right places then look outside of your existing network.” “You have to go above and beyond. You've got to do something different.” TIMESTAMPS 0:00 | Introduction and Background 3:15 | Strategies for Networking 14:45 | Frustrated Job Seekers 18:57 | Networking Benchmarks 23:36 | Increasing Response Rate 29:10 | Connection Request Rate 31:36 | Positive Affirmations 36:50 | Job Market Predictions for Q4 38:55 | Contacting Sonja RESOURCES & RELEVANT LINKS Sonja Price on Social Media:Linkedin Chan With A Plan Max Chan on Social Media
Coming from a family of accountants and engineers, Sheryl Jacobson didn't have any real models of what to do with a liberal arts degree. But with a love of history, culture, and story she knew she wanted an international experience after graduation. She landed a job with the boutique Monitor Group, working first in marketing and market research, just beyond her comfort zone. Her consulting life bounced her all over the world and presented her with opportunities she never could have imagined from London and Hong Kong to Istanbul and Shanghai, even as Monitor became part of Deloitte. Meeting her husband along the way and contemplating motherhood after many years, she realized she could come home and still have other adventures.In this episode, find out from Sheryl how balancing adventure and loneliness is a dance that can work out in the end…on today's Roads Taken with Leslie Jennings Rowley. About This Episode's GuestSheryl Jacobson is the lead strategy partner for one of Deloitte's Life Sciences clients. She has spent the last 20+ years helping clients and her sole employer Deloitte tackle strategic challenges and make the most of opportunities for growth and innovation. She lives in her to-the-studs renovated Brownstone in Harlem with her husband and their son. For another story about the ups and downs of expat life with Heather McNemar.Find more episodes at https://roadstakenshow.com Executive Producer/Host: Leslie Jennings RowleyMusic: Brian BurrowsEmail the show at RoadsTakenShow@gmail.com
Aside from the essays, the activities section of the Common Application is the trickiest section for many teens. But it doesn't have to be.Listen to learn how to structure your activities section in a way that will make you memorable and competitive for college.-----To register for the Ivy League Challenge, visit our website.To follow on Instagram: @TheIvyLeagueChallengeTo join us on our Facebook group for parents:Or schedule a meeting with Steve here
We love those in the LGBTQ community. It is confusing then to hear people claim we don't. But what does that look like? Bobby continues his dialogue with Dr. Robert Gagnon. He is considered the foremost scholar on the traditionalist position. He's credentialed from the Ivy League system at Dartmouth, Harvard, and Princeton and currently serves as a professor at Houston Baptist Seminary. I will hand you over to the scholars. More Information at: http://www.robgagnon.net/ Visit www.christianitystillmakessense.com
In this week's podcast, I offer a creative idea to help your child develop an early interest in a subject, field, industry, or career. Ideally, this process will help them when it comes time to choose an "intended major" on their college applications. This seemingly simple step can have significant consequences in the admissions process and beyond. If you want to help your child develop a budding area of interest, please listen to this episode. Follow us: Enroll in PrepWell Academy Follow on Instagram Follow on Facebook If you want to support the show, here are three immediate steps to take. Subscribe to the podcast where ever you listen to podcasts Follow me on Instagram or Facebook Give us a review Share this episode with a friend Join our mailing list (by opting in on the homepage or in this article) Enroll your 9th or 10th grader in the program Podcast Host: PrepWell Academy's Founder, Phil Black, has spent a lifetime cracking the code on the world's most competitive programs: Yale University, Harvard Business School, Navy SEALs, Goldman Sachs, Entrepreneurship, Shark Tank (2X), etc. Learn More About PrepWell: Inside PrepWell Academy, Black teaches students everything they need to know about the college admissions process in a series of expertly-timed, 3-5-minute, weekly training videos starting in 9th grade and continuing through 12th grade [Note: this program can only be joined in 9th or 10th grade]. My specialties include military service academies, ROTC scholarships, Ivy League, and student-athletes.
Jake, Ryan, and Safe take a vibe check of the Ivy League in our continuing series, plus take a look at Hopkins' 2024 schedule that kicks off the slow trickle of schedule releases. We also cover the real important things, like how the NFL's taken over everything, debate whether the NBA gets their TV rights in before the bubble bursts, and the hit FX television series Justified
We promise no original thoughts today. We do, however, hope you'll find our borrowed insights to be useful.Eddie shares today about something he read about traits common to students in Ivy League colleges. It's one that we've probably all seen in elite performers in other arenas as well.Don't mistake it for apathy. It's not a “Whatever” attitude. It's just about unflappability. It's just about not getting caught up in the stress in a way that you can't make good decisions when the pressure is on.When you demonstrate this kind of ease, you're setting the example for every one of your workers. You're showing them how we handle things on this team.Here's a link to the podcast from which Eddie got the idea for today's episode. The relevant section starts around 6:30Check out the partners that make our show possible. Find Us Online: BrosPodcast.com - LinkedIn - Youtube - Instagram - Facebook - TikTok - Eddie's LinkedIn - Tyler's LinkedInIf you enjoy the podcast, please rate us on Apple Podcasts or wherever you listen to us! Thanks for listening!
Phew - talk about a random episode! Even so, this is a good one (save an allergy-ridden host). Join Alex as he discusses the intersection of Notre Dame and Ivy League Football. Don't sleep on this one, Irish fans - it's a nice walk through Notre Dame history!
Imagine if, when you were in middle school, an Ivy League professor came to your school and told you that you were going to be part of an experiment. You were going to get to decide how the money in your school was spent. What would you want to spend it on? How would you convince your classmates that your idea was best? Furthermore, would you even believe what this professor was telling you? Jonathan Collins is a professor of political science at the Watson Institute, and has recently been turning this hypothetical into a reality for students in the Providence area. He's been helping to design and evaluate what are known as participatory budgeting projects, and they're not just for students. In towns and cities around the world, everyday people are being let into the budgeting process of their communities. The effects have been profound, both on the local budgets, and on communities that have long felt marginalized and disempowered. "There's just something magical that can happen when there's skin in [the] game…the moment that you give them an opportunity to feel that they are a part of the stakes? I think the possibilities are endless," explained Collins. On this episode Dan Richards talks with Jonathan about participatory budgeting — where it came from, what it looks like on the ground, and how it might help strengthen our democracy, one community at a time. Learn more about the Watson Institute's other podcastsLearn more about participatory budgeting in Rhode IslandLearned about PAVED, Browns democratic innovation research initiativeTranscript coming soon to our websitePhoto credit: Nick Dentamaro
Ruth Simmons grew up in a deeply segregated part of Texas to become one of the country's most distinguished educators, as president of three colleges and the first African American women to head an Ivy League university. But her new memoir takes us to the time before her rise. Jeffrey Brown traveled to Houston to speak with Simmons for our arts and culture series, "CANVAS." PBS NewsHour is supported by - https://www.pbs.org/newshour/about/funders
Kansas Jayhawks guard Arterio Morris has been suspended by the program following a sexual assault allegation, which was revealed just one day after Morris plead in a misdemeanor assault case from before his freshman year at Texas. Our thoughts are first and foremost with the victim, and we discuss Morris likely throwing away his basketball career and whether Bill Self and the Jayhawks should have afforded him an opportunity to join the program in the first place. 2023-24 college basketball conference preview season rolls on as we take a look at the Ivy League, where Princeton earned a 15 seed in the big dance last year and proceeded to upset Arizona and Missouri on their way to a Sweet 16 appearance. Can they do it again this year, or will Yale jump them in the standings? We also discuss how the Ivy League can stay afloat despite almost no transfers joining the league, and predict who will take home various awards and which team might be the dark horse winner this upcoming season. Follow & Subscribe on all Podcast platforms…
Do you want to turn your financial life around, and close that daunting wealth gap? Well, get ready to be inspired because, in this episode of the Happy Hustle Podcast, we've got the man himself, Rob Luna, here to share his incredible journey from growing up in the mean streets of Los Angeles to becoming an Ivy League alumni and a powerhouse in the world of finance.Rob's got over 25 years of experience under his belt, and his resume is nothing short of impressive. He's consulted with some of the giants in the tech world like Amazon, Google, and Facebook. Plus, he's managed money for some of the wealthiest individuals on the planet. He also built a multi-million dollar business that was sold to a publicly traded company. This guy knows his stuff. But here's the best part: Rob isn't just keeping all that knowledge to himself. He's on a mission to help Happy Hustlers like you and me build, grow, protect, and enjoy our wealth. And today, he's spilling the beans on how you can actually close your wealth gap. Trust me, this is something you don't want to miss.Rob's got a brand new book out titled "Close Your Wealth Gap" and it's a game-changer. So, if you want to know how to close your wealth gap, save, invest, and spend wisely, this book is your golden ticket.You can grab a copy of Rob's book at closeyourwealthgapbook.com. And here's a sweet deal for you early birds: if you're tuning in before October 2nd, you can snag a bunch of pre-order bonuses worth a cool $300. That's a steal, folks!So, what are you waiting for? If you're ready to close that wealth gap and start securing your financial future, go get Rob's book. In this episode, we cover: [00:09:46:13] Build a Business That Has an Enterprise Value[00:12:29:14] From 9-5 to to Work-Optional[00:43:17:14] 60-30-10 Rule[00:41:42:27] Happy Hustle Hacks [Health, Money, Entrepreneurship, Spirituality][00:46:41:29] Rapid-fire questionsWhat does Happy Hustlin mean to you? Rob says Happy Hustlin means work is optional, man. That's what I was saying, like you build the business to where you do the things that you love and because you wanna do them, not because you have to do them.Connect with Robhttps://www.instagram.com/thelunarobhttps://www.youtube.com/lunarobhttps://twitter.com/thelunarobFind Rob on these websites: https://robluna.com/ closeyourwealthgap.comConnect with Cary!https://www.instagram.com/cary__jack/https://www.facebook.com/SirCaryJackhttps://www.linkedin.com/in/cary-jack-kendzior/https://twitter.com/thehappyhustlehttps://www.youtube.com/channel/UCFDNsD59tLxv2JfEuSsNMOQ/featuredGet a free copy of his new book, The Happy Hustle, 10 Alignments to Avoid Burnout & Achieve Blissful Balance https://www.thehappyhustlebook.com/Sign up for The Journey: 10 Days To Become a Happy Hustler Online Course http://www.thehappyhustle.com/JourneyApply to the Montana Mastermind Epic Camping Adventure https://caryjack.com/montana“It's time to Happy Hustle, a blissfully balanced life you love, full of passion, purpose, and positive impact!”Episode sponsor Are you tired of lying awake at night, burdened by endless thoughts and worries about your upcoming day? The lack of quality sleep not only drains your energy levels but also affects your overall productivity and well-being. But fear not, because we have the perfect solution for you: Magnesium Breakthrough!Magnesium Breakthrough is the ultimate game changer when it comes to solving sleep problems. Designed to help you wind down after a stressful day, this revolutionary supplement will transform your sleep experience from restless tossing and turning to the most relaxing slumber you've ever had. Say goodbye to waking up groggy and hello to vibrant energy levels throughout the day!What sets Magnesium Breakthrough apart from other magnesium supplements is its unparalleled effectiveness. Unlike traditional options that only contain 1-2 forms of magnesium, Magnesium Breakthrough combines all 7 key forms of magnesium. This unique blend ensures that you have a relaxed response to stressful situations, allowing you to face each day with a calm and collected mindset.Don't let sleepless nights and low energy levels hold you back from living your best life. Experience the remarkable benefits of Magnesium Breakthrough and regain control over your sleep and energy. Your body and mind deserve it!But that's not all – we have an exclusive offer just for you, our valued listeners! Visit magnesiumbreakthrough.com/hustle today and use the promo code "hustle" during checkout to save 10 percent on your purchase. It's time to invest in your well-being and embrace the most restful sleep you've ever had.Say goodbye to sleepless nights and hello to energized days with Magnesium Breakthrough. Your path to a revitalized life starts now!
This week we go to Miami in the 80's Drug smuggling, race car driving and foul play. At the center of this adrenaline-fueled world was Harvard Business School grad and race car driver, John Paul, Sr. People seemed to disappear around John Paul Sr. and then…so did he. ★ Support this podcast on Patreon ★
Do you wonder sometimes if it is realistic to be ambitious? Have you ever been frustrated because it seems like setting ambitious goals is just setting yourself up for failure? Listen in to learn about three keys being both ambitious AND realistic.-----To register for the Ivy League Challenge, visit our website.To follow on Instagram: @TheIvyLeagueChallengeTo join us on our Facebook group for parents:Or schedule a meeting with Steve here
Although Sunni Chauhan had embraced the idea of becoming a doctor, as she knew she loved both problem solving and helping people, she thought if she was going to in medicine the rest of her life she'd take pre-med classes alongside something else that interested her. She became an economics major. At graduation, she decided to take a two-year break before jumping into med school and figured she'd be a management consultant. But if it really was going to be only two years, she realized she'd see a lot more from a deal perspective in banking where the cycles are shorter. Somehow, the two years turned into 16 and the MD her parents thought would be medical doctor turned to managing director.Her love of mergers and acquisitions allowed her to see a lot and learn a lot over those many years. When given a chance to reinvent herself, she took those skills, found ways to acquire new ones, and landed in new spots a few times over.//In this episode, find out from Sunni how keeping open to new things can lead to unexpected joys …on today's Roads Taken with Leslie Jennings Rowley. About This Episode's GuestSunni Chauhan is a strategic business leader with more than 25 years of experience advising leaders on value creation through talent, strategy, M&A and corporate finance, sustainability and stakeholder engagement. Currently she is exercising her broad skillset, gained over a wide range of professional experiences, as a consultant in the board and CEO practice at Spencer Stuart. She and her family live in London. For another story about someone who thought they'd take a two year break and go back to the plan (and also about taking a new path after a long run) listen to our epsidoe with Cameron Turner.Find more episodes at https://roadstakenshow.com Executive Producer/Host: Leslie Jennings RowleyMusic: Brian BurrowsEmail the show at RoadsTakenShow@gmail.com
Sexuality plays such a central role in our lives, particularly in our culture today. But, some Christians want to distort Jesus' teaching on this topic. Dr. Robert Gagnon is considered the foremost scholar on the traditionalist position. He's credentialed from the Ivy League system at Dartmouth, Harvard, and Princeton and currently serves as a professor at Houston Baptist Seminary. He is the author of The Bible and Homosexual Practice: Texts and Hermeneutics and co-author (with Dan O. Via) of Homosexuality and the Bible: Two Views. Dr. Bobby Conway asks some tough questions on same-sex actions and the Bible's teachings. Find More at http://www.robgagnon.net/
Show Notes: In this week's podcast, I make a pitch for students to consider Toastmasters. If you've never heard of Toastmasters, you definitely need to listen to the episode. If you have heard of Toastmasters, but don't know how it might be relevant for your child, please listen to the episode. Follow us: Enroll in PrepWell Academy Follow on Instagram Follow on Facebook If you want to support the show, here are three immediate steps to take. Subscribe to the podcast where ever you listen to podcasts Follow me on Instagram or Facebook Give us a review Share this episode with a friend Join our mailing list (by opting in on the homepage or in this article) Enroll your 9th or 10th grader in the program Podcast Host: PrepWell Academy's Founder, Phil Black, has spent a lifetime cracking the code on the world's most competitive programs: Yale University, Harvard Business School, Navy SEALs, Goldman Sachs, Entrepreneurship, Shark Tank (2X), etc. Learn More About PrepWell: Inside PrepWell Academy, Black teaches students everything they need to know about the college admissions process in a series of expertly-timed, 3-5-minute, weekly training videos starting in 9th grade and continuing through 12th grade [Note: this program can only be joined in 9th or 10th grade]. My specialties include military service academies, ROTC scholarships, Ivy League, and student-athletes.
Hi friends! It's Week 3 of the college football season and, well, let's just say the schedule isn't quite as enticing as the past two weekends have been. So much so that AJ has declared this weekend “Be A Family Person Weekend,” and given himself the week off. Crappy and Carla are … kind of in agreement. So instead of a normal show this week, we shift into “Games We Care About” mode and get a little personal. Before that, Carla recaps what was a fairly chaotic Week 2, thanks to a bunch of weather delays (Did Notre Dame/NC State ever end?) and a pretty impressive slate of evening games. Crappy, meanwhile, offers Carla a pop quiz. We also get our first Big Red Bears Report of the year as Cornell (and Crappy's nephew, Drew Powell) kicks off its season this weekend. Hooray for the return of Ivy League football! Here are the games that Crappy and Carla care about this weekend: No. 7 Penn State at Illinois (Big Nude, FOX): The Nits offense has been spectacular. This is a game to check the defensive side of the ball. Iowa State at Ohio (Noon ET, ESPNU): A Power 5 school travels to Athens to face what has become a stellar Ohio defense. Raise that flag, Bobcats! Cornell at Lehigh (Noon ET, ESPN+): Seriously, you want to watch Jameson Wang play football. He's super fun. Go Bears! Western Kentucky at No. 6 Ohio State (4 ET, FOX): A weird start time for this one, but the Bucks should get some good reps before a big game next weekend. Murray State at MTSU (7 ET, ESPN+): Middle just couldn't quite finish off Mizzou last week. They should handle Murray in their home opener. (Also, listen to Jake Rose call a football game!) We're also both always excited about the return of the Backyard Brawl – Pitt at West Virginia (7:30 ET, ABC). This game's at night in Morgantown. Weird things are going to happen. Other games that have Carla's attention are No. 14 LSU at Mississippi State (Noon ET, ESPN), No. 15 Kansas State at Missouri (Noon ET, SECN), and Minnesota at No. 20 North Carolina (3:30 ET, ESPN), as we'll start to see which of these teams are for real this season. Also, just for fun, Wyoming at No. 4 Texas (8 ET, Longhorn), because this might be the last chance you have to watch a game on the Longhorn Network. Crappy, meanwhile, is maybe a bit too interested in Central Michigan at No. 9 Notre Dame (2:30 ET, Peacock), as he starts to look ahead to a huge game in South Bend next weekend. So, yeah, the schedule's a bit lighter. But you should still watch college football. As we all know, it's weeks like this when weird stuff happens. We'll be back to our normal programming next week. Cheers, yinz!
Dr. Heather Wilde is Ivy League educated, an accomplished diagnostician and functional medicine practitioner. She is an Elite Results Coach and Master Practitioner of NLP and Hypnosis. Dr. Wilde believes that there are three main drivers of disease, stress, inflammation and toxicity. The greatest health success comes when all three are effectively addressed. She designed the Wilde Vitality Detoxification program to effectively educate and empower people to make a change in their behaviors, with effective lifestyle and dietary interventions that help them heal. Advanced laboratory testing is also offered to get to the individual biological issues driving the health problems people are experiencing. Together, people experience a deeper appreciation, and connection with their health, life, and body. In this episode, Dr. Wilde shares her insights into the mind-body connection, how childhood trauma can affect us as adults, about stubborn fat issues and the power of detoxification. Check out Dr. Wilde's courses here: https://courses.wildevitality.com/wilde-vitality-detox Do a functional health assessment for free: https://courses.wildevitality.com/free-assessment Brain supplement mentioned: coverthree.com Instagram: @naturopathicmd IN THIS EPISODE YOU WILL DISCOVER: 00:01:40 - mind-body connection 00:04:50 - what NLP (neuro-linguistic programming) is 00:07:10 - how adverse child events affect us as adults 00:20:00 - the power of detoxification 00:29:54 - stubborn fat issue goes into trauma 00:36:19 - about Dr. Heather Wilde's courses
If you've been thinking about the Ivy League Challenge, but have been looking for the right time-- let's get started.Saturday, September 16, 2023 will be the first class of the last cohort this year. You don't want to miss this. To register, go to: https://www.theivyleaguechallenge.com/TILC-registration-page#registration -----To register for the Ivy League Challenge, visit our website.To follow on Instagram: @TheIvyLeagueChallengeTo join us on our Facebook group for parents:Or schedule a meeting with Steve here
Sean Davis, CEO & Co-Founder of The Federalist and Kaylee McGhee White, Steamboat Institute Blankley Fellow & Restoring America Editor of the Washington Examiner, talk about Joe's constant lying just this week; he lied about teaching at the University of Pennsylvania and being at 9-11 the day after the collapse, this on the heels of his claims he has no time to get to East Palestine, while comparing Hawaii's catastrophic fires to his kitchen fire. And last but not least we will cover the impeachment inquiry. President Biden, who has never taught a single semester-long course at the University of Pennsylvania, mused on Thursday about when he used to “teach political theory” at the Ivy League school. See omnystudio.com/listener for privacy information.
At Jawaharlal Nehru University, Rajiv Malhotra speaks about the contents of his new book Snakes in the Ganga. He speaks about Indians are always reacting to events that unfold in India because they don't understand the underlying causes. He explains the Americanization of Marxism and the Indianization of Critical Race Theory as the Critical Caste Theory. Suraj Yengde, the poster boy of Harvard University is the one who is propagating that Dalits are the blacks of India with all other castes are the whites in India, thus converting race into caste. The situation in Canada with the Khalistanis was elaborated upon. Rajiv talks about how there is a law coming to curb Islamophobia with potential to be applied very subjectively. He highlights how Harvard is making a case against meritocracy by attacking India's IITs. Rajiv talks about how the caste sensitivity issues started in the US are finding their way into India through corporate houses, universities, media and social media platforms. He also covers the role of billionaires in funding the Breaking India forces at Harvard and other Ivy League universities. Snakes in the Ganga - http://www.snakesintheganga.com Varna Jati Caste - http://www.varnajaticaste.com The Battle For IIT's - http://www.battleforiits.com Power of future Machines - http://www.poweroffuturemachines.com 10 heads of Ravana - http://www.tenheadsofravana.com To support Infinity Foundation's projects including the continuation of such episodes and the research we do: इनफिनिटी फ़ौंडेशन की परियोजनाओं को अनुदान देने के लिए व इस प्रकार के एपिसोड और हमारे द्वारा किये जाने वाले शोध को जारी रखने के लिए: http://infinityfoundation.com/donate-2/ --- Support this podcast: https://podcasters.spotify.com/pod/show/rajivmalhotrapodcast/support
This episode is very personal and special for Arden. She is joined by Gail Sexton Anderson and Gloria Li from Donor Concierge, and together, they explore the invaluable services offered to women aspiring to become mothers. Donor Concierge has played a pivotal role in bringing countless families into existence by serving as dedicated advocates. They collaborate with many agencies involved in sperm and egg donation and surrogacy. This intricate and sensitive process is a remarkable journey of creation. Anyone interested in parenthood or donation will find this episode enlightening and informative. IN THIS EPISODE: [01:18] Gail explains why she founded Donor Concierge, and Gloria shares how she became involved [03:36] Arden explains her personal story and asks what are the challenges in finding egg or sperm donors [07:36] What are the realistic expectations of a concierge business in this field [11:59] How Donor Concierge serves the affluent family and answers questions they may have [17:57] Do donors do this for the money and an explanation of the process involved for intended parents [26:09] Are some want-to-be parents excluded from the process [29:29] Discussion of clients who are recognizable by the public or extremely wealthy families, where the field is going in the future, and being open about how your family was created KEY TAKEAWAYS: Finding a surrogate, a sperm donor, and an egg donor is not as easy as it may sound. It is a crucial decision, and hiring experts to guide you is best. Affluent parents have the option of a direct search program where they create a landing page to share with potential donors who they are. Surrogacy allows you to give joy to a mother who otherwise would not have a child. RESOURCES: Beyond the Balance Sheet Website Donor Concierge - Website BIOGRAPHIES: CEO & Founder Gail has dedicated her career to helping intended parents from all walks of life build families. She founded Donor Concierge as a compassionate approach to helping intended parents sort through the gauntlet of egg donor and surrogacy options. Gail is a Harvard-trained counselor with 25 years of experience helping intended parents have the baby they always dreamed of. After graduate school, Gail joined a research group in the Psychology Department at Yale University. Later, she joined a group of researchers in pediatric neurology at Yale New Haven Hospital doing developmental testing with children born prematurely of very low birth weight. Gail is also a graduate of Alice Domar's Mind Body Fertility Program through Boston IVF and has served on a Radcliffe panel with other fertility experts. In her career in the fertility industry, Gail has been the Executive Director of one of the leading surrogacy agencies and helped start two different egg donor agencies. Gail is an empathic listener who brings a calming influence to what can often be an emotionally stressful process. A frequent speaker at fertility conferences, Gail consults with organizations creating fertility service programs. She is a former board member of SEEDS, The Society for Ethics in Egg Donation and Surrogacy, and the Co-Founder of TULIP, a new online platform for third-party fertility. Married since 1984 with two wonderful children, Gail says having the privilege of being a mother has ignited her passion for helping others experience the joy of parenting. Gloria Li, BA, PMP Executive Director Gloria is responsible for managing the Donor Concierge, overseeing all aspects of the company. Gloria has worked in fertility since 2013 and is an expert on egg donation, gestational surrogacy, and fertility care management. Her vision, passion for the mission, and attention to detail have set a high mark in our commitment to excellence, and her leadership has helped Donor Concierge become the premier resource for intended parents worldwide.
Craig Stevens emerged from humble beginnings to cement his name in both the finance and real estate sectors, epitomizing perseverance and innovation. An Ivy League alumnus, Craig swiftly climbed the corporate ladder, holding significant finance roles. Simultaneously, he nurtured his entrepreneurial flair, silently building an empire with Groundbreaking Real Estate for seven years before fully diving in by 2022. His mission transcends personal accolades. Craig is fervently committed to guiding the average investor toward smart diversification, with real estate as a keystone against economic volatility. He underscores the continuous enhancement of Time, Knowledge, and Money – the triad every entrepreneur possesses. Craig's narrative is about defying entrenched beliefs, questioning societal norms, and rewriting the legacy of traditional financial wisdom. In a world of constant flux, he stands as an inspiration to those daring enough to challenge the "status quo." To get in touch with Craig, email him at: firstname.lastname@example.org Keeping it Real Estate is brought to you by Granite Towers Equity Group, helping investors create passive income through multifamily real estate. To get in touch with the founders of Granite Towers, Mike Roeder and Dan Brisse, visit https://www.granitetowersequitygroup.com/contact.
Bryana Quintero is working with an NYU professor to college and catalogue immigrant stories.We get to hear all about how she decided on this project, and how she overcame some of the obstacles she has faced along the way.-----To register for the Ivy League Challenge, visit our website.To follow on Instagram: @TheIvyLeagueChallengeTo join us on our Facebook group for parents:Or schedule a meeting with Steve here
In this episode, we bring you David Barton, an entrepreneur, a fitness genius, and a multi-talented man of the arts, who transformed the fitness landscape in NYC and the world. He discusses the challenges he faced and the innovative fitness philosophy that set his gyms apart. His newest gym, U, is state-of-the-art everything and positive energy everywhere. PLUS, he lovingly critiques our pushups.It's a conversation you do not want to miss and an exploration of David Barton's extraordinary life, from his Ivy League roots to his enduring legacy as a fitness visionary.Follow David on Instagram: ubydavidbartonWebsite:www.gymunyc.com
As a young person, Louis Chang would make lists. Lists of long term, mid-term, and short-term goals as well as the daily tasks that he needed to do to achieve them. When he didn't finish his daily list, he would push it to another day. One major goal was medical school right after college. But after a less than stellar grade in his intro chem class, he felt his chances at med school were over. A momentary detour afforded him the opportunity to take a range of other classes from government to German, but he actually stuck with chemistry as a major, facing the challenge head on. The breadth of experiences he had during college and his true interest for organic chemistry, however, made him question his original idea of medical school so he didn't even take the MCATs before graduating. Instead, he worked in a chem lab at the NIH, almost pursued a PhD, and ultimately realized bench science was a little too isolating.Unsure what was next, he tried his hand at a law firm in DC but pretty soon he knew that wasn't the right fit either and finally applied to med school. The mix of tenacity and a willingness to try something new came in handy again when he actually did follow the to-do list toward his anticipated speciality, only to find out life had other plans. In this episode, find out from Louis how checking out the detours can help you leave no regrets …on today's Roads Taken with Leslie Jennings Rowley. About This Episode's GuestLouis Chang a neurosurgical spine specialist with expertise in minimally invasive surgery for spinal disorders. He also is an Assistant Professor of Neurosurgery at Johns Hopkins Medicine. For another story about navigating the path to the medical life that feels right (this time in urology!), listen to our episode with George Huang. Find more episodes at https://roadstakenshow.com Executive Producer/Host: Leslie Jennings RowleyMusic: Brian BurrowsEmail the show at RoadsTakenShow@gmail.com
Show Notes: In this week's podcast, I discuss a strategy that I call "interest-probing". How do you help your child figure out what they are interested in? How might that interest translate into a college major or career? How do you stress-test their interest to see if it's durable? In this episode, I review a case study of a PrepWeller who is doing it right. Follow us: Enroll in PrepWell Academy Follow on Instagram Follow on Facebook If you want to support the show, here are three immediate steps to take. Subscribe to the podcast where ever you listen to podcasts Follow me on Instagram or Facebook Give us a review Share this episode with a friend Join our mailing list (by opting in on the homepage or in this article) Enroll your 9th or 10th grader in the program Podcast Host: PrepWell Academy's Founder, Phil Black, has spent a lifetime cracking the code on the world's most competitive programs: Yale University, Harvard Business School, Navy SEALs, Goldman Sachs, Entrepreneurship, Shark Tank (2X), etc. Learn More About PrepWell: Inside PrepWell Academy, Black teaches students everything they need to know about the college admissions process in a series of expertly-timed, 3-5-minute, weekly training videos starting in 9th grade and continuing through 12th grade [Note: this program can only be joined in 9th or 10th grade]. My specialties include military service academies, ROTC scholarships, Ivy League, and stu
James Jones is the Men's Basketball Head Coach at Yale University. He is the all-time winningest men's basketball coach at Yale and one of the most successful coaches in Ivy League history. James was named Yale's head coach on April 27, 1999. He enters the 2023-24 season with 373 career victories.Jones, the longest tenured coach in the league, has guided the Bulldogs to five Ivy League championships – 2002, 2015, 2016, 2019, 2020 - four NCAA Tournament berths – 2016, 2019, 2020, 2022 - and eight postseason appearances. Jones, the 2019 recipient of the Ben Jobe Award as the top minority coach in Division I men's basketball, has presided over the most successful era in the long history of Yale Basketball. Over the last eight seasons, Yale has posted a 84-28 (.750) Ivy League record, won five Ivy championships, two Ivy League Tournament titles and earned four NCAA Tournament berths, including notching the first NCAA victory in school history – over Baylor in 2016.Jones, who was inducted into New England Basketball Hall of Fame in 2015, is a three-time Ivy League Coach of the Year (2015, 2016, 2020) and also has been named the NABC District 13 Coach of the Year three times.Jones began his coaching career as an assistant at his alma mater, The University at Albany, followed by assistant coaching stops at Yale and Ohio University.If you're looking to improve your coaching please consider joining the Hoop Heads Mentorship Program. We believe that having a mentor is the best way to maximize your potential and become a transformational coach. By matching you up with one of our experienced mentors you'll develop a one on one relationship that will help your coaching, your team, your program, and your mindset. The Hoop Heads Mentorship Program delivers mentoring services to basketball coaches at all levels through our team of experienced Head Coaches. Find out more at hoopheadspod.com or shoot me an email directly email@example.comFollow us on social media @hoopheadspod on Twitter and Instagram and be sure to check out the Hoop Heads Podcast Network for more great basketball content.Be sure to take some notes as you listen to this episode with James Jones, Men's Basketball Head Coach at Yale University.Website - https://yalebulldogs.com/sports/mens-basketballEmail - firstname.lastname@example.orgTwitter - @YaleMBasketballVisit our Sponsors!Dr. Dish BasketballMention the Hoop Heads Podcast when you place your order and get $300 off a brand new state of the art Dr. Dish Shooting Machine! Fast Model SportsFastModel Sports has the most compelling and intuitive basketball software out there! In addition to a great product, they also provide basketball coaching content and resources through their blog and playbank, which features over 8,000 free plays and drills from their online coaching community. For access to these plays and more information, visit fastmodelsports.com or follow them on Twitter @FastModel. Use Promo code HHP15 to save 15%The Coaching PortfolioYour first...