Podcasts about legally

In this episode, Michael Uadiale and Todd Dexheimer discuss avoiding large income tax bills and why the government incentivizes business owners and investors. Michael discusses the 6 steps to big tax reductions and why having the right tax advisor on your team is critical. They also dive into the Big Beautiful Bill (BBB) and how you can take advantage of it. Favorite Book: Amp It Up by Frank Slootman 3 Pillars 1. Business 2. Tax savings 3. Insurance Michael Uadiale is a seasoned CPA and Master Tax Advisor with more than 25 years of industry experience, including 18 years leading SMEED CPA, a 7-figure revenue firm with 15 employees. Through his proven tax and wealth-building strategies, he has helped entrepreneurs achieve financial freedom within 5–7 years, saving clients over $15 million in taxes in just the past seven years—an average of $31,426 per client annually. Beyond SMEED CPA, Michael is a serial entrepreneur, having founded six other businesses, including ventures in innovative telehealth software. If you would like to connect with Michael Uadiale, email taxes@smeedcpa.com YouTube: www.youtube.com/c/PillarsOfWealthCreation Interested in coaching? Schedule a call with Todd at www.coachwithdex.com Listen to the audio version on your favorite podcast host: SoundCloud: https://soundcloud.com/user-650270376 Apple Podcasts: https://podcasts.apple.com/.../pillars-of.../id1296372835... Google Podcasts: https://podcasts.google.com/.../aHR0cHM6Ly9mZWVkcy5zb3VuZ... iHeart Radio: https://www.iheart.com/.../pillars-of-wealth-creation.../ CastBox: https://castbox.fm/.../Pillars-Of-Wealth-Creation... Spotify: https://open.spotify.com/show/0FmGSJe9fzSOhQiFROc2O0 Pandora: https://pandora.app.link/YUP21NxF3kb Amazon/Audible: https://music.amazon.com/.../f6cf3e11-3ffa-450b-ac8c...

Don't miss on the event of the year, our 10x Birthday weekender is coming up, register now! - www.assetsforlife.uk/optin7lf96k1eLiam breaks down practical ways to become more tax efficient in the UK with guest star Diyari. From setting up a limited company to using SSAS pensions and LLPs, discover how business owners can reduce tax, protect wealth, and build a lasting legacy.Want in on the property action? Join one of our FREE game-changing events! Hit the link and let's make things happen! - https://www.assetsforlife.uk/optin69htrmle Hosted on Acast. See acast.com/privacy for more information.

If legal stuff makes your head spin, you're not alone. But here's the truth: understanding a few key legal basics can save you major headaches later (and possibly even your bank account).That's why I asked intellectual property and business attorney Olivia Mayness, to join me on Book Marketing Simplified. Olivia breaks it all down in a way that's clear, smart, and actually doable. Olivia's not just a legal expert, she's also a creative herself, which means she gets what authors need.We talk about the most common legal blind spots authors face like: if authors can use lyrics or quotes in their bookshow to protect your book from AIif authors should trademark a book titleand much more.Whether you're self-published, traditionally published, or somewhere in between, this episode will help you move forward with clarity and avoid some scary mistakes down the road.LINKSConnect with Olivia on LinkedInCheck out her law firm's website and blog at thelawspot.comYour Next Steps:Free Downloads: https://jenndepaula.com/free-downloadsDIY Book Marketing Resources: https://jenndepaula.com/solutionsDone-With-You Services: https://jenndepaula.com/sessionsConnect on Social: https://www.instagram.com/jenndepaulabookmarketing/

This episode goes into Bhad Bhabie mom calling the cops on her? We also go into King Harris goal is to bigger than Michael Jackson. offset may Legally be the father of Cardi B New Baby. Hosted by your Pastor Michael Smith and co-hosted by your Brotha Lamick Israel. For any specific or special requests/reports just email me @ Lamick19@outlook.com and we can go from there.If you have a discord you can join Brotha Lamick's discord and communicate with like minds discord is https://discord.gg/SVQygUP2 if you have a special request/report you can contact us at Lamick19@outlook.com

What happens when a non-vocal empath in your life acts out with frustration, anger, or negativity? Non-vocal empaths—whether autistic, highly sensitive, or those physically incapable—often communicate volumes without words.In this episode of The Constance Messmer Podcast, I'll explore how to understand non-vocal expressions of emotion, tune into Soul Senses, and open channels of telepathic dialogue while holding space for authentic feelings.

Amanda Knox was wrongfully convicted of her roommate’s death but what chain of events led to her arrest? Emily and Shane discuss the media frenzy that turned everyone against her, the corrupt police department and the “evidence” that proved nothing. See omnystudio.com/listener for privacy information.

August 21, 2025 The smear campaign against Carina Papalardo and the Greater Lawrence Psychological center, more discussion about voter fraud and the Lawrence city councilor convicted of stealing ballots. White Boston Police officers arrest a black man for LEGALLY using a bull horn in protest of WHITE mayor of Boston Michelle Wu AND hero veteran Randy Carter from the Lowell Bridge Club joins us to talk about hosing for homeless veterans, a Vietnam Veteran being mistreated by Parkland Center in NH and MORE!

We're excited to welcome back estate planning attorney Bill McQueen of Legacy Protection Lawyers! This episode dives into common estate planning mistakes, the nuances of trusts versus wills, and strategies to protect your assets and heirs. From funding trusts correctly to understanding step-up in basis, Medicaid planning, and safeguarding inheritances from creditors, Bill breaks down complex topics in a clear, practical way.   Learn more about Bill and Legacy Protection Lawyers Contact info: www.legacyprotectionlawyers.com Phone 727-471-5868   Helpful Information: PFG Website: https://www.pfgprivatewealth.com/ Contact: 813-286-7776 Email: info@pfgprivatewealth.com   Disclaimer: PFG Private Wealth Management, LLC is an SEC Registered Investment Advisor. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. The topics and information discussed during this podcast are not intended to provide tax or legal advice. Investments involve risk, and unless otherwise stated, are not guaranteed. Be sure to first consult with a qualified financial advisor and/or tax professional before implementing any strategy discussed on this podcast. Past performance is not indicative of future performance. Insurance products and services are offered and sold through individually licensed and appointed insurance agents.   Marc: It's time once again for another edition of Retirement Planning Redefined with John and Nick, Financial advisors at PFG Private Wealth. Find them online at pfgprivatewealth.com. That's pfgprivatewealth.com. And we're excited to have our guest speaker, Bill McQueen, back with us to continue our conversation about estate planning, and trusts, and probate, and all these pieces that we need when it comes to our retirement strategies. And, of course, Bill is from Legacy Protection Lawyers based out of St. Petersburg, Florida, and we appreciate your time once again. Bill, welcome in. How are you?   Bill McQueen: Doing wonderful. Thank you.   Marc: Absolutely. Good to have you back. Nick, my friend. What's going on this week? You doing all right?   Nick: Oh, yeah, just fighting the Florida heat.   Marc: Well, if you picked Florida, right, it's hot.   Nick: I will lose. Yeah, I will lose, for sure.   Marc: I mean, versus Buffalo, right? You got your choice there.   Nick: Yeah. Rochester, yeah, close enough. But, yeah-   Marc: Oh, yeah. Okay.   Nick: ... for sure. This time of year, I'd rather be there, but it's understandable.   Marc: Par for the course? All right, I got you. Well, we're happy to have Bill back. And, of course, if you guys have questions about estate planning, definitely reach out to he and his team at LegacyProtectionLawyers.com. That's LegacyProtectionLawyers.com. And Bill, we were talking a lot about, obviously, trusts and funding them, and all the different kind of pieces that go in there. So, on this final episode, this part four of the series, we want to talk about some of the common mistakes and things that you guys see as professionals, then try to help people avoid these or highlight some of the things. So, we talked as we finished off about the funding issue of a trust. What are some other common mistakes that you tend to see?   Bill McQueen: First off, I would say it might not be considered a common mistake, but a common misconception. A lot of people who think that, "Well, hey, I've created this revocable trust, and so my assets aren't in my individual name. Now they're held by my trust. And so, if something were to happen and I were to be sued, for some reason, my wealth is protected inside this trust." And unfortunately, that's not the case with a revocable trust. Again, the revocable trust just acts as a substitute for your last will and testament. And because the person who creates it has so much control over those assets, they can do anything they want with those assets. If somebody were to sue them, there'd be a lawsuit of some sort, and a judgment was entered against that person who created that trust. Those creditors can get at those assets that are inside the revocable trust no differently than if they were held in the person's individual name. So, that's something that we always need to advise clients that they're well aware of. There may be other ways to protect their wealth from creditors, but putting them in a revocable trust does not give them credit or protection from that standpoint.   The other thing that comes up fairly frequently is, I have real estate, and should I put it in my revocable trust or not? If that real estate is something that's not your primary home or your residence here in Florida, we would definitely say do that, and especially if the clients own real estate outside the state of Florida. They might have a vacation home in North Carolina or something like that. If they own that home in their individual name and they die, and we're using a will-based plan, not only are we going to have to do a probate administration down here in the state of Florida, but we're also going to have to do one in the state of North Carolina as well, a second one, because each state's very protective of their real estate. Whereas if they go ahead and deed that real estate into the revocable trust, then we avoid probate both in Florida and in North Carolina.   The issue, though, as to the primary residence, because under Florida law or Constitution, that's considered your homestead, and there are certain benefits that come from that, like a tax break, and it makes your home creditor protected, there are some restrictions on where your homestead can go, who can get it after your death if you're survived by a spouse or minor children. And so, that comes into play as to can we put that home into the revocable trust? And it used to be we would usually advise people not to do that if they're married because of these restrictions that were involved. Now we can do it if it's done properly, but there needs to be some special waiver language and things that are included in the deed. And unfortunately, if somebody puts it into their trust and they don't do the deed properly, then when they die, it's considered what we call an invalid devise. And that home may be going to people other than where they wanted it to go underneath the terms of their trust. So you can do it, and we do it for clients, but you definitely want to make sure you're getting good advice when you're setting something up like that.   Nick: Yeah, I would say that's one of the most common questions that people have. Oftentimes, what leads people to act, obviously, hopefully, it's from working with advisors and stuff like that, but people talk amongst themselves. A lot of times, it's friend or family that are like, "Hey, my brother just retired and they got a trust put into place. Do you think I should do something like that?" And sometimes, the answer's like, "Well, hey, we've been telling you to do it for the last 10 years. But also, yes, there's things that can make sense to do, but you need to make sure that you work with somebody to understand the nuances." Because I would say one of the most common mistakes that people make is when they do talk with their peers, siblings, etc., that oftentimes they don't understand the dynamics between the differences of their situations. And so, somebody like Bill and the people at Bill's team can help walk them through how that works. And the majority of people, no matter what the situation is, when they're working with an advisor or an attorney, they have some sort of real estate holding, and so that's often one of the most common questions.   Marc: Yeah. No, it makes sense. With you asking that and talking about that, Nick, Bill, what's your thoughts on people who say, "Well, who should draft this?" Right? Or, "Can I just go on to one of these, for lack of a better term, robo-advisors or robo-lawyers?" Right? I mean, you should be sitting down with an attorney in your area because state to state, law is probably a little bit different. I'm sure there's some things that are probably the same from place to place, but you want to make sure you're getting advice on your specific situation, not one of these cookie-cutter type deals.   Bill McQueen: No, a really good point. Estate planning is specific per the state where you're residing, and that's the laws that will apply at the time of your death, so it is important that you're talking to an attorney who is licensed in that particular state where you live. But I would definitely advise against a do-it-yourself estate plan.   Marc: Right.   Bill McQueen: And there are a lot of, especially with the internet nowadays, various online programs where you can draft your own will or trust. The big problem with that is you'll never know if you're the drafter of a do-it-yourself will or trust, whether you did it right, because we won't know that. We won't implement it until after your death.   Marc: And you won't know until it's too late. Well, it's too late for you, obviously, but your heirs are suffering. Right?   Bill McQueen: So, if there's problems with it, we can't go back and correct it or change it. So that's very important. I also always tell people it would be ... I highly recommend you go to somebody who specializes in the area of trust and estates planning. You wouldn't want me to handle a criminal law matter for you, and you probably don't want a criminal lawyer to try to draft your will or trust.   And just to show you what the problems can be, as recently as within the last decade here in our state of Florida, our Florida Supreme Court had a case, that's our highest court here in Florida, where a lady drafted her own will. Actually, I think it was pre-internet. It was a form will or whatnot, but she left out of that will what we call the residuary provision, which is where the remainder of her estate goes, and that's where the bulk of her estate would go. And it was very clear, the court said, that her intentions were to leave it to her sister, but that's not what the will said. It was done improperly. And so the wealth went to someone else, and the court said they felt really bad about that, but they have to go with what the will said. And the will was validly executed and everything. It just wasn't properly constructed, and so, unfortunately, her estate went somewhere other than where she wanted it to go, and we don't want that to happen.   Marc: Yeah. In a world where we can turn to the internet for so much stuff, there's just certain areas where I feel like it's just not a good idea. Right? Legally has got to be one of those. It's got to be the tops for a lot of those things. Nick, what else?   Nick: Yeah. And these things tie together a little bit. I was having a conversation with a client the other day, and I've seen this in other instances, where clients in their 40s, the parents of the clients are in their 70s, and there's some concern on future healthcare planning. And from the standpoint of the transition potentially to Medicaid and/or titling assets, whether it's a home, whether it's other types of assets like investments, so obviously non-retirement, putting the kids on accounts to try to protect those assets per se and the future inheritance while somebody to qualify. Now, I know this is a long, convoluted thing, but I guess, just in general, especially in the state of Florida, maybe helping people understand is that primary homestead residence protected and/or just the definition or an explanation of step up in cost basis and how big of a deal that can be to somebody down the road. I know it's a lot there, so break it up and down, whatever.   Bill McQueen: That was a lot, Nick. The issue regarding Medicaid, what I would say there is if we have clients where somebody, a parent, has maybe been diagnosed with early onset of dementia or something like that, so there's a high likelihood that they are going to need long-term care in the future. When that arises, they'd like to qualify for Medicaid as soon as possible. We can help them do that through using a trust. It's an irrevocable form of a trust where we can move assets that otherwise would be what we call countable assets, meaning that the government says you have to spend those assets first before Medicaid will take over and start paying for the long-term care. And we can move them into this irrevocable trust so that when they do reach that stage that they need the long-term care, hopefully, they can qualify right away. And this wealth that's in this trust will then ultimately still be there and able to go on to their kids rather than go to pay for the nursing home care.   That, though, has to be done well in advance of qualifying for Medicaid or trying to, basically, five years in advance. So, this is definitely a very proactive, forward-looking planning-type procedure. And it's not something that can be done once they need to get on Medicaid right away or on the near-term standpoint from that part of the equation. Here's my basic advice. Whether it's Medicaid or anything else, people will say, "Hey, well, what I'm going to do, I'm going to put my children's names on accounts with me in joint names, so one, they can maybe help pay my bills and stuff like that. Two, when I die, that asset will just pass by operational law to my child, so it won't go through the probate process, and I don't have to worry about probate."   I highly advise clients typically not to do that. One: when you put your child's name on that account with you jointly, at least as to regards to the bank or the brokerage house, that child now has the right to take all those funds that are in that account. Hopefully, they won't do that while you're still alive, but that could possibly happen. But two, the child might get sued or go through a divorce, and somebody else now might be trying to take those funds that are in the parent's account. So we would highly advise against that and instead, let that child maybe be given a durable power of attorney that I think Nicole spoke with you about in one of the earlier episodes so that they can help pay bills and do stuff like that, but they have no ownership rights in those accounts that maybe somebody else could get at those accounts that the parents will need before their death.   One big thing for estate tax or death tax planning purposes, the amount of wealth now that people can leave at their death or give away during their lifetime is at an all-time high watermark. Very few people pay federal estate taxes anymore, less than one-tenth of 1% of the US population. And here in Florida, as a Florida resident, all we're concerned about is the federal estate tax laws. So, instead, what we focus on is income tax planning for our clients. And so it would be much better for actually those parents not to, for instance, give away assets before they die to their children because what happens is if the parents die owning assets that have a lot of appreciation in them, that's been unrealized, and by example, maybe they've got a house that they bought for $200,000 30 years ago that today is worth a couple of million dollars here in Florida, if they give that house away to the child before their death, the child gets what we call a basis in that asset that's a carryover basis. It's equal to the $200,000 the parents paid for it.   And so, if the children ever sell that house, maybe after the parents die, they're going to have to recognize income tax or capital gains tax on that million eight of gain. If instead they hold onto the home, the parents, and when they die, they leave it to the children, that home then gets a step-up in basis for income tax purposes to what the house is worth at the time of the parent's death, the $2 million. So if the children sell the house soon after their parent died, they're going to pay no income tax, no capital gains tax, they get the full $2 million, and Uncle Sam doesn't take any of it in the form of income taxes. So, it's very important that people be cognizant of what the potential income tax effects could be if they're talking about giving away assets prior to their death versus holding onto them and passing them to their beneficiaries after death.   Marc: Yeah, tax efficiency, right? It's just as important when we're no longer here, and our heirs would certainly appreciate that as well. Any final thoughts or anything that I didn't cover, Bill, that you'd like to share with folks when it comes to estate planning in general and what you guys do at your firm?   Bill McQueen: Sure. I guess one thing I would just mention, and we've talked a lot about probate avoidance, but with a trust, a trust can do a whole lot more. And I guess I would just give one example. It's not uncommon for us to have families nowadays that are often blended families, so it's a married couple and they have children from earlier marriages. For those of my generation that grew up watching The Brady Bunch, a family like that. And by using a trust properly, what usually most married couples want to do, one thing we don't know from an estate planning standpoint which spouse is going to die first. And usually, the spouses want to make sure the surviving spouse is well taken care of for his or her remaining lifetime, and then the assets go down to all of their children from both sides of the family.   So, one way to do that is just when the first spouse dies, they leave everything outright to the surviving spouse, with the hope and understanding they're going to leave everything to all six children in this example. But what can happen is when they do that and they leave the assets to the surviving spouse, that now becomes his or her assets. And again, they can change their estate plan after that first spouse died. Instead, what can be done through that revocable trust is we leave assets into a new trust, a marital trust for the benefit of that surviving spouse, so he or she's well taken care of for the rest of their life, but that trust, that marital trust, is irrevocable. And so, the first spouse to die knows their surviving spouse is going to be well taken care of, but they also know when the surviving spouse dies, where the assets are going to go, and it's locked in that it will go to their children as well and not just maybe the surviving spouse's children.   And then the last thing I would say is when we pass the assets to the children, often, most people think the easiest thing is just to leave assets to the children outright. And that can be done that way, but it's often not the most effective. Often, nowadays, we will leave the assets to the children in a trust, and we'll let the children be the trustee of their own trust so they get their share of the inheritance. They have it in their own trust that they're the trustee of, but this type of trust does give that child asset protection. So, if the child ever gets sued during their lifetime, be it age 25 or 85, a creditor can't get at the inheritance inside that trust.   Also, if the child is married or gets married and unfortunately goes through a divorce, their former spouse has no rights to the assets inside this trust either, because legally, the child does not own those assets individually. They're owned by this trust that the child controls and the child's the primary beneficiary of, but it's insulated from what I'll call bad people being able to get at their inheritance from that standpoint. So, that's really how we try to protect that inheritance and pass it down to the people we want and keep those creditors and predators away from their inheritance from that standpoint.   Marc: Got you. Yeah. I'll ask you this final question, and I set Nicole up with this as well. Just in general, I think, mindsets have changed through the years, but people often, many years ago, thought, "Well, you have to be really wealthy to A, have a financial advisor, and B, have a trust. You must be a Rockefeller or something like that." And that's just not the case anymore. So, are you seeing more people starting to realize or understand that this could be a useful tool for them in working with someone, and not just something for the ultrarich?   Bill McQueen: Oh, definitely. We serve clients of all different sizes and net worths, and I tell my clients there is no bright line test as to when it makes sense to have a trust as your primary estate planning document versus a will. But if I had to use a rule of thumb, I would say if somebody has assets that are over a couple of hundred thousand dollars, it probably is more beneficial to use a trust as the primary estate planning document rather than a will because, again, looking back to my youth, there used to be a commercial, the Fram oil filter commercial, that they always said, "Pay me now or pay me later."   Marc: Right, yeah.   Bill McQueen: Yes, putting a trust-based plan into place is probably more expensive than a will-based plan, but it's not that much more expensive, and all the benefits you get far exceed the cost of when they do die, what it's going to cost going through the probate process. So, just looking at it from a cost factor alone, I would say most anybody would pretty much benefit from having a trust-based plan versus a will-based plan.   Marc: Bill, does that include the home value as well? Obviously, those have skyrocketed the past few years, so it'd be pretty easy to get to a couple of hundred grand.   Bill McQueen: It would, yes. And I would include the home value in that as well, yes.   Marc: Okay. All right, Nick, any final thoughts from you before we go?   Nick: Really, I think the takeaway, and a lot of things have been pointed out, and something that we try to emphasize with people, whether it's financial planning, whether it's legal planning, is that strategy and how just a couple of decisions can make a dramatic impact on somebody's overall situation and plan. Oftentimes, and Mark, you alluded to it, where people, for many years, had this perception of, whether it's an advisor or an attorney, it's something that only people with really substantial amounts of money have. And if anything, people with substantial amounts of money, they have a bigger buffer. You know what I mean? And can make more mistakes and recover, but really, a handful of decisions for a typical client that's worked hard their whole life, saved a whole bunch, paid off their house, want to enjoy their retirement and hopefully pass on some money to their kids, they can really benefit from strategy planning and adapting to what's going on.   Marc: Yeah. For lack of a better term, Middle America, right? I mean, a lot of folks in Middle America could certainly use a team, a financial and legal team. And so, if you need some help, reach out to, of course, Bill and Nicole and their team there at Legacy Protection Lawyers. That's LegacyProtectionLawyers.com. That's where you can find them online, Legacyprotectionlawyers.com, or call 727-471-5868. We'll put a link in the show descriptions of this week's podcast as well. And you can also, as always, go to Pfgprivatewealth.com to get in touch with John and Nick. Don't forget to subscribe to the podcast, Retirement Planning Redefined, on Apple, or Spotify, or whatever podcasting app you enjoy using. Bill, thank you so much for your time. Great information. We really enjoyed having you here.   Bill McQueen: Thanks for having me, Mark and Nick, appreciate it very much. Enjoy it.   Nick: Thanks, Bill.   Marc: And we'll see you next time here on Retirement Planning Redefined with John and Nick.

President Trump spent more than three hours touting what he sees as his administration's achievements at his cabinet meeting. He weighed in on topics from reinstating the death penalty for murder cases in Washington, D.C., to Health Secretary Kennedy's attempt to identify a cause for autism. Lisa Desjardins reports. PBS News is supported by - https://www.pbs.org/newshour/about/funders. Hosted on Acast. See acast.com/privacy

President Trump spent more than three hours touting what he sees as his administration's achievements at his cabinet meeting. He weighed in on topics from reinstating the death penalty for murder cases in Washington, D.C., to Health Secretary Kennedy's attempt to identify a cause for autism. Lisa Desjardins reports. PBS News is supported by - https://www.pbs.org/newshour/about/funders. Hosted on Acast. See acast.com/privacy

President Trump announced that after Washington, D.C., he may implement his crime-decreasing tactics of federalizing the police in cities across the country, like Chicago. Glenn examines the constitutionality of Trump's power in federalizing another city's police force. Glenn provides a brief history of gerrymandering and explains why he believes red states should fully engage in gerrymandering their states to level the playing field. Glenn and Stu discuss the Left's abuse of gerrymandering while leftists claim all they want is fair lines. The guys also discuss the Left's proposed Fair Representation Act and how it will drastically alter the way we handle voting in America, in favor of the Democrats. Should there be a constitutional amendment that bans gerrymandering throughout the country? Glenn and Stu debate President Trump's latest deal with Intel and whether it's a good or questionable move. The state of California is expected to finish its high-speed rail by 2033, but are the planned routes what Californians want? And given how many things have gone wrong with this construction, how long until California gives up on this high-speed rail?  Learn more about your ad choices. Visit megaphone.fm/adchoices

Bonnie Corcoran will talk about her beloved daughter Brenna who was diagnosed with DIPG, just 8 months after Bonnie and her husband Robert had taken custody of her, then adopted her when she was 3 1/2 years old. Brenna was born with a Cocaine addiction thanks to a family member and was welcomed by Brenna, her husband Robert, and their 5 other children, all of whom were at least 10 years older then she was. Brenna fought her DIPG as much as she could, before passing away on September 6th of 2022. 

The Ministry of Education suspects that some schools are closing for more days than they're legally allowed to. Documents released under the Official information act claim it remains an area of "misunderstanding" and the "reasons for closing have become increasingly diverse and frequent, with inadequate notice given to whanau". President of the Secondary School Principal's Association and Principal of Kaitaia College, Louise Anaru spoke to Lisa Owen.

We’re giving you a breakdown of why Erik and Lyle Menendez have been denied parole. Is there another avenue that can lead to their release? Plus, Jillian Michaels has been vocal about Netflix’s latest “Biggest Loser” documentary and the lies against her. What’s Jillian’s defense and will she sue? See omnystudio.com/listener for privacy information.

How We Legally Cheat Taxes

1. Recognition of Somaliland The senator discusses efforts to urge President Trump to formally recognize Somaliland as an independent nation. Somaliland is portrayed as a stable, democratic ally of the U.S., strategically located near the Gulf of Aden. The senator criticizes China's influence in Africa, particularly its opposition to Somaliland's ties with Taiwan and the U.S. A letter to President Trump is read aloud, advocating for recognition based on Somaliland’s governance, military cooperation, and geopolitical importance. 2. Crime and Law Enforcement in Washington, D.C. The senator supports President Trump’s decision to deploy federal law enforcement in D.C., claiming it led to a significant drop in crime. Statistics are cited showing reductions in robbery, carjacking, and violent crime. The narrative criticizes Democratic leadership in D.C., alleging manipulation of crime data and failure to address public safety. The DC Police Union chairman is quoted, blaming legislative changes for the breakdown of the criminal justice system. 3. Criticism of Media and Democratic Leadership The hosts repeatedly accuse mainstream media of ignoring or misrepresenting stories that reflect positively on Trump or negatively on Democrats. There is a strong emphasis on the idea that Democrats prioritize political narratives over public safety, especially in high-crime urban areas. 4. Biden’s Use of the Autopen for Pardons The senator raises legal concerns about President Biden’s use of an autopen to sign pardons and executive orders. DOJ officials reportedly warned that some pardons were legally questionable and involved violent offenders, contradicting public claims. The discussion suggests that Biden may not have personally authorized some actions, potentially invalidating them. Please Hit Subscribe to this podcast Right Now. Also Please Subscribe to the 47 Morning Update with Ben Ferguson and The Ben Ferguson Show Podcast Wherever You get You're Podcasts. And don't forget to follow the show on Social Media so you never miss a moment! Thanks for Listening YouTube: https://www.youtube.com/@VerdictwithTedCruz/ Facebook: https://www.facebook.com/verdictwithtedcruz X: https://x.com/tedcruz X: https://x.com/benfergusonshow #BidenAdministration #ChineseinfluenceinAfrica #PresidentZelensky #Somaliland #DonaldTrump #PresidentDonaldTrump #DT #Democrats #DC #washingtonDCcrime #violence #Autopen #DOJ #Senatortedcruz#TedcruzYouTube: https://www.youtube.com/@VerdictwithTedCruzSee omnystudio.com/listener for privacy information.

Most business owners are overpaying the IRS—because they don't know the rules. In this episode, you'll learn how the wealthiest Americans use legal tax strategies to save tens of thousands every year. Discover the Trifecta System, the power of the S corporation, and real estate tax strategies that can turn rent into equity and vacations into deductions. Whether you're a consultant, real estate investor, or small business owner, these smart strategies will help you cut your tax bill, grow wealth, and take control of your financial future. If you want clear, no-fluff cpa advice on tax savings and business finance, this episode breaks it down in plain English.   Next Steps:

Today I sits down with cost segregation expert Jeff Hiatt to reveal a powerful tax-saving strategy every real estate investor should know. With over 25 years of experience and 25,000+ cost seg studies completed, Jeff has helped clients save billions by accelerating depreciation and keeping more cash in their pockets. We discuss how cost segregation works, who it benefits most, and how even small property owners can take advantage of it. From single-family homes to multi-unit apartments and commercial buildings, learn how this strategy can help you reduce or even eliminate your tax bill. Plus, Jeff explains bonus depreciation and offers insights for high-income earners looking to optimize tax savings through real estate.     Connect with Jeff Hyatt: Instagram: @depreciationdoctor Facebook: @depreciationdoctor Website: costsegs.com ZipRecruiter uses powerful technology to match you with top talent fast — no more sifting through a stack of weak resumes. 4 out of 5 employers who post on ZipRecruiter get a quality candidate within the first day. Try it FREE at ZipRecruiter.com/WORK ZipRecruiter — the smartest way to hire.   About Justin: After investing in real estate for over 18 years and almost 3000 deals done, Justin has created a business that generates 7 figures in active income through wholesaling and fix and flipping as well as accumulating millions of dollars of rental properties including 5 apartment buildings, 50+ single family homes, and 1 storage facility Justins longevity in real estate is due to his ability to look around the corners, adapt to changing markets, perfecting Raising private capital, and focusing on lead generation which allows him to not just wholesale and fix & flip, but also accumulate wealth through long term holds. His success in real estate led him to start The Entrepreneur DNA podcast and The Science Of Flipping podcast and education company, and REI LIVE where he's actively doing deals with members. He has coached and mentored thousands of aspiring and active investors over the last decade. Connect with Justin: Instagram: @thejustincolby YouTube: Justin Colby TikTok: @justincolbytsof LinkedIn: Justin Colby

Send us a textIn this episode, we are joined by Karen Covy, a Divorce Coach, Lawyer, Mediator, Author, Speaker and Podcaster. She coaches busy professionals and business owners all over the world to make clear, confident decisions about their most important relationships. She also helps them navigate through divorce with less conflict, unnecessary expense, and needless drama so that they can create the life they truly desire sooner rather than later. Karen is the author of When Happily Ever After Ends: How to Survive Your Divorce Emotionally, Financially, and Legally. She is also the creator of the online divorce programs, The Divorce Road Map 3.0 and How to Successfully Mediate Your Divorce as well as the host of the podcast, Off the Fence: Mastering Decision-Making Divorce and MoreKaren talks about what really means to navigate divorce wisely, from emotions to legal logistics to long-term financial health. Karen shares what most women don't realize until it's too late, including why your first big financial decision might actually be the lawyer you hire. 00:00 Introduction: Navigating Divorce Emotions01:55 The Role of a Divorce Coach03:18 Meet Karen Covy: Divorce Coach and Expert05:29 Understanding Divorce Processes11:18 The Importance of Financial Preparation23:42 The Value of Prenups30:15 Conclusion: Achieving Financial FreedomKaren shares the money moves you must make early in a divorce, so you stay protected, prepared, and in control, even when emotions run high. Join us on Sep 4 for Money Talks, where we'll walk you through how to protect your finances before, during, and after divorce, no shame, just smart strategy. Click here to register for FREE and bring your questions! Follow & connect with Karen:Website Instagram LinkedIn Facebook Connect with us! Facebook Page Facebook group Instagram TikTok LinkedIn YouTube Resources Have questions? Click this to check out our expert Q&A for tips from industry experts, tailored to help women address their most common financial concerns. Subscribe to our newsletter to receive financial tips delivered weekly here! Explore our free guides to help you on your financial journey

What if I told you there's a way to pull $10,000–$50,000 of tax-free money out of your business every year—without working harder, changing your business model, or hiring a single new person?Sounds crazy, right? But it's been hiding in plain sight inside the IRS code for over 50 years.In this week's episode of Capability Amplifier, I sit down with my friend Nathaniel Ely (co-founder of TheAugustaRule.com) to break down how the Augusta Rule works, why most business owners are leaving serious money on the table, and how to make sure you don't miss out.I'll also share how I personally got a $40,000 tax-free check this year—and why I kicked myself when I realized I had missed out on hundreds of thousands of dollars in past years.KEY INSIGHTS & TAKEAWAYS:The Augusta Rule, Explained Simply A 14-day tax loophole that allows business owners to rent their residence(s) to their business, tax-free.Why Most CPAs Get It Wrong 80–90% of deductions fail because of sloppy documentation. If it's not written down, it doesn't exist.Multiple Homes = Multiple Opportunities Your vacation home, second home, or even your RV may qualify. The IRS defines “residence” more broadly than you think.Real Case Studies From a modest ranch in Ohio ($6,700 in savings) to multi-home entrepreneurs pulling in over $100K tax-free every year.The 10 Conditions for Compliance We cover the step-by-step checklist to keep everything bulletproof—and why this strategy only works if you follow the rules.Done-For-You Solutions Nathaniel's team built software + services to make compliance effortless. They're on a mission to put $1B back into entrepreneurs' pockets by 2030.TIME STAMPS:[00:00:00] What Is the Augusta Rule?Nathaniel explains how business owners can rent their home to their own company—14 days tax-free.[00:01:56] My $40K Check (and $360K Mistake)Mike shares his personal experience of saving—and losing—hundreds of thousands by not applying the rule earlier.[00:04:14] Why It's Called the Augusta RuleThe Masters golf tournament origins and how wealthy homeowners lobbied Congress to add this provision to the code.[00:06:42] From Tax Bills to Tax BreakthroughsNathaniel's personal journey of learning, failing, and finally systemizing the Augusta Rule.[00:12:40] Case Study: The “Normie Home” in OhioHow an average homeowner saves ~$6,700 annually with zero behavior change.[00:16:21] Multiple Homes, Big ReturnsHow vacation homes, rentals, and even RVs qualify under the IRS definition of “residence.”[00:18:37] Case Study: $126K in Tax-Free RentThree beach houses in Mexico equal $46K in real tax savings.[00:20:00] Case Study: $224K Rent = $118K Cash BackA California entrepreneur uses three properties to generate six-figure tax-free income.[00:22:46] The 10 Conditions for ComplianceFrom rental agreements to meeting length, the checklist that makes it all audit-proof.[00:32:11] How Easy Is It Really?Why Nathaniel's platform + EA support can make this a 5-minute-per-meeting task.[00:38:28] Free Tools & ResourcesThe Augusta Rule calculator, deduction guide, and masterclass—all available at TheAugustaRule.com/save.If you hate writing checks to the IRS, this is one of the biggest “money on the sidewalk” opportunities I've ever covered on this show. If you want to see how much money you're leaving on the table, head over to TheAugustaRule.com/save – you'll get the free calculator, deduction guide, and tools to estimate your tax-free savings – and you can even book a free consultation with an Augusta Rule specialist. 

This Day in Legal History: Economic Opportunity ActOn August 20, 1964, President Lyndon B. Johnson signed the Economic Opportunity Act into law, marking a major legal milestone in the federal government's efforts to address systemic poverty. The Act authorized $1 billion to fund a wide range of social programs aimed at improving education, employment, and economic security for low-income Americans. It was the legislative backbone of Johnson's "War on Poverty" and a cornerstone of his broader Great Society agenda.The law created the Office of Economic Opportunity (OEO) to oversee a suite of initiatives, including Job Corps, Head Start, and Volunteers in Service to America (VISTA). These programs sought to address poverty through direct services, job training, and community empowerment rather than traditional welfare.Legally, the Act reflected a dramatic expansion of federal authority in the realm of economic and social rights, shifting the understanding of poverty from a local issue to a national legal and policy concern. It encouraged the formation of Community Action Agencies, which brought poor communities into the policy-making process—a novel approach for federal law at the time.Critics challenged the constitutionality and effectiveness of the programs, with some arguing the Act encroached on states' rights and created administrative overreach. Nonetheless, the Economic Opportunity Act became a model for future federal social legislation.By institutionalizing anti-poverty efforts through law, the Act marked a turning point in American legal and political history. While many of its original provisions have since been revised or repealed, its legacy continues in modern public assistance and education programs.California Republican lawmakers have filed an emergency lawsuit with the state Supreme Court to block Governor Gavin Newsom's redistricting proposal, which would create five new Democratic congressional districts. The GOP legislators argue that the state constitution requires a 30-day review period for new legislation and that Democrats cannot legally move forward with the plan until September 18 unless both legislative chambers approve it by a three-fourths vote. The lawsuit seeks either a ruling on the merits by Wednesday or a temporary halt to the legislative process.Newsom's proposal is intended as a direct response to a controversial redistricting initiative in Texas, championed by Governor Greg Abbott and supported by President Donald Trump, which is expected to yield five new Republican congressional seats. With the GOP holding a narrow 219-212 majority in the U.S. House, the outcome of these redistricting efforts could have significant national political implications ahead of the 2026 midterms.California Democrats aim to pass the redistricting bills by August 22 in order to place the revised maps on a special November ballot. They justify bypassing the state's independent redistricting process, established by voters in 2008, as a necessary emergency countermeasure to what they describe as partisan manipulation in Texas. That state's plan, criticized for potentially disenfranchising minority voters, led to a dramatic walkout by Texas House Democrats. Upon their return, Republican leaders imposed restrictions requiring lawmakers to remain under state police escort during sessions, sparking further protest.California Republicans sue to block Democratic redistricting plan | ReutersA federal appeals court has sided with Elon Musk's SpaceX and two other companies, ruling that the structure of the National Labor Relations Board (NLRB) is likely unconstitutional. The 5th U.S. Circuit Court of Appeals found that laws protecting NLRB board members and administrative judges from being removed at will by the president likely violate the Constitution's separation of powers. The court said these protections improperly restrict the president's authority over the executive branch.This decision is the first from a federal appeals court to challenge the NLRB's structure on these grounds, setting a precedent as similar lawsuits are pending. The ruling blocks the NLRB from continuing enforcement actions against SpaceX, Energy Transfer, and Aunt Bertha while the companies' constitutional challenges proceed. Circuit Judge Don Willett, writing for the panel, stated that the companies should not have to choose between following NLRB procedures and asserting their constitutional rights.The NLRB, an independent agency created by Congress, handles private-sector labor disputes, and its structure was designed to insulate it from political influence. However, this independence is now under scrutiny. The issue gained momentum after President Trump fired Democratic board member Gwynne Wilcox in January—a move that left the board without a quorum and marked the first time a sitting board member had been removed by a president.Musk, once an adviser to Trump, has a separate pending lawsuit against the NLRB related to another dispute. The court's panel consisted entirely of Republican-appointed judges.Musk's SpaceX, others win US court challenge to labor board's structure | ReutersNevada's Chief Justice Douglas Herndon is spearheading an initiative to establish a dedicated business court in the state, aiming to attract companies seeking an alternative to Delaware's Chancery Court. During a public hearing in Las Vegas, Herndon urged the state Supreme Court to approve a commission to draft rules for the new tribunal, which could begin hearing cases as early as 2026. The court would feature judges appointed by the chief justice to four-year terms from a vetted list, with input from legal, governmental, and business stakeholders.Currently, Nevada handles business cases through district courts in Las Vegas and Reno, where judges balance other civil and criminal matters. Herndon said the creation of a specialized court would streamline corporate litigation and provide data to inform future legislative reforms. While a constitutional amendment to establish a fully independent business court is underway, that process will take years. The commission's work would serve as an interim step.This move follows a broader trend of states competing for corporate incorporations. Nevada and Texas are positioning themselves as more business-friendly venues, especially for Big Tech and firms led by controlling shareholders. Companies like Andreessen Horowitz and AMC Networks have already opted to leave Delaware in favor of Nevada. Recent changes in Nevada law now allow companies to waive jury trials via their articles of incorporation, aligning the state more closely with Delaware's procedures.Delaware, while still the leading venue for corporate law, has faced criticism over judicial bias and repetitive judge assignments. In response, it has revised statutes and begun implementing judge rotation. Texas, meanwhile, launched its business court last year and issued its first final judgment in June. Judges there serve two-year terms and juries are allowed in some cases.Nevada's Top Judge Calls for Plan to Craft Business Court RulesInvestors suing Elon Musk over his delayed disclosure of a large Twitter stake in early 2022 are challenging his attempt to use an advice-of-counsel defense while withholding related legal documents. The plaintiffs, led by an Oklahoma firefighters pension fund, argue Musk is employing a “sword and shield” tactic—invoking legal advice to justify his actions while citing attorney-client privilege to avoid releasing relevant evidence.They've asked a federal judge in Manhattan to force Musk to formally declare whether he intends to rely on legal counsel or a good-faith defense before he testifies in late August and early September. If Musk invokes this defense, plaintiffs want access to communications with lawyers from Quinn Emanuel and McDermott Will & Emery, both of which advised Musk around the time he disclosed his 9.2% Twitter stake in April 2022.The lawsuit alleges Musk defrauded shareholders by delaying disclosure, causing them to sell stock at artificially low prices. Musk has denied wrongdoing, stating he misunderstood SEC disclosure rules and acted in good faith once he realized the mistake. Plaintiffs argue that if Musk refuses to share legal advice-related documents, the court should prevent him from using that defense at trial.A similar civil lawsuit by the SEC over the same issue remains pending. The outcome of this discovery dispute could shape the strength of Musk's defense in both cases.Musk's advice-of-counsel defense faces test in Twitter lawsuit | Reuters This is a public episode. 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This episode, we welcome estate planning attorney Bill McQueen of Legacy Protection Lawyers to break down the essentials of trusts and why they matter. Bill explains the key differences between wills and trusts, clears up common misconceptions, and highlights the importance of properly titling assets to avoid probate. You'll also learn why beneficiary designations can override your trust, the pitfalls of leaving your trust unfunded, and how working with both financial advisors and attorneys ensures your plan truly carries out your wishes.   Learn more about Bill and Legacy Protection Lawyers Contact info: www.legacyprotectionlawyers.com Phone 727-471-5868   Helpful Information: PFG Website: https://www.pfgprivatewealth.com/ Contact: 813-286-7776 Email: info@pfgprivatewealth.com   Disclaimer: PFG Private Wealth Management, LLC is an SEC Registered Investment Advisor. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. The topics and information discussed during this podcast are not intended to provide tax or legal advice. Investments involve risk, and unless otherwise stated, are not guaranteed. Be sure to first consult with a qualified financial advisor and/or tax professional before implementing any strategy discussed on this podcast. Past performance is not indicative of future performance. Insurance products and services are offered and sold through individually licensed and appointed insurance agents.     Marc: Time once again for another edition of Retirement Planning - Redefined with John and Nick from PFG Private Wealth. We're continuing our conversation, our great conversation, with the folks from Legacy Protection Lawyers. Nicole Cleland was on the podcast, and Bill McQueen is going to be joining us now on this episode as we talk a little bit more in-depth about what they do, and some of the differences when it comes to getting these financial and legal documents into place. As always, Nick's here with me. Nick, my friend, how are you doing?   Nick: Doing great. How about yourself?   Marc: Doing pretty good. We had John on the last episode, so good to have you here with us, and Bill McQueen is joining us. So Bill, welcome in. Thanks for being here.   Bill: It's my pleasure. Thank you all for having me.   Marc: Absolutely. Looking forward to chatting with you. And again, you guys are from Legacy Protection Lawyers, and you can find you guys online at LegacyProtectionLawyers.com. That's LegacyProtectionLawyers.com. Give us a little background on you, Bill. You've been doing this for how long, and all that good stuff. Tell us a little bit about you first.   Bill: Certainly. Well, I've actually been an attorney for almost 40 years, but I sort of had a circuitous professional career. I was a CPA for my first few years out of undergrad and then I went back to law school, practiced law for about seven years, but then I actually ran a family business. My father died when I was getting out of law school, so I took over a family business and ran that for about 15 years, and then came back to the practice of law about 15 years ago now, after I got a Master's of Law in Estate Planning, and so that's where my full focus has been over the last 15 years or so.   Marc: Nice. Gotcha. Yeah, I mean, so obviously you've been doing this for a while, and you guys work with Nick and John, occasionally helping them out with some of their client situations as well?   Bill: Yes, yes. We work closely with Nick and John and they help our clients out with financial planning and wealth management, and we help out in the estate planning arena when his clients need that.   Marc: Nice. Nick, how long have you guys known each other?   Nick: Bill, when you said 15 years, I was thinking about that, so I think it's got to be close to 10 years, something like that? Around 10 years?   Bill: Been at least that, because I started the firm back up in, I guess, 2013, so too soon after that. I met you through your other former partner and we started doing seminars and stuff together.   Nick: Sure [inaudible 00:02:11]   Marc: We all lose time in that COVID era, right? It seems like everybody always does that. We're thinking about time and we're like, "Oh, man, there's like a three, four-year window I've lost when trying to think of some things." Well, let's get into our conversation today.   When Nicole was on, we kind of left off, Bill, where she was talking a lot about probate. She went through a lot of great topics and kind of broke some stuff down for us, needing an estate plan, what makes an effective estate plan, things of that nature. We kind of wrapped up a little bit on the probate conversation, and then we started to get into trusts, and she said you were the man when it comes to talking about trusts, so we thought we'd kind of kick things off there. So, tell us a little about what is a trust and just kind what some of the, I guess, misnomers that come with that conversation, or with that word.   Bill: Sure. Well, actually, technically or legally, a trust is actually a relationship where legal title of the assets are held by one individual or an entity for the benefit of somebody else. But I tell people, "The easiest way to think of a trust is more analogize it to like creating a corporation or a limited liability company." Again, technically it's not an entity. We typically use trusts so that, as Nicole mentioned, I'm sure during the episodes that she was on with you, a last will and testament only controls where assets that are titled in somebody's individual name go.   But in order to get those assets to the desired beneficiaries after the owner dies, we have to go through the court system to do that. And so many, if not most, of our clients instead use a substitute for a will, which is a trust, or a revocable trust, which allows us to take assets that are in somebody's individual or joint name and retitle them into this trust while they're alive so that when they die, the trust is basically still alive and it can direct where the assets go, but we don't have to get the courts involved, which obviously saves a lot of money, time, and keeps everything private.   Marc: Yeah, I think that's a big piece for people too is the difference when going through probate ... And I was telling Nicole, she said she was going to steal this from me and use it, and I said, "Hey, go ahead." But I was like, I was always taught that a will just means you will go through probate, and she's like, "Oh, I like that." And obviously that's public record, whereas if you do a trust, you can kind of keep those things private from creditors and things of that nature, correct?   Bill: Yes. Oftentimes people think, "Well, I have a will, so because I have a will, I'll avoid probate," and that's not the case. It's all how the assets are titled. So, if they have a will, they're executing their privilege to sort of personalize their estate plan where assets go. Otherwise, if they have something in their individual name and they don't have a will, then Florida law basically gives them a will and says where the assets will go. But in either instance, we got to go through the court system.   With a trust, we don't, and the trust definitely does remain private, so we do not have to posit a trust instrument if things are done correctly with the court system, as we do with a will. When somebody dies, by law, at least here in Florida, whoever has their original will or comes across it is required to posit it with the court in the county where they were residing at the time of their death, and at that time it becomes a public document. So, anybody, be that the nosy neighbor or the newspapers, reporters or whoever, could go down to the courthouse and read your will, see where you're leaving your assets, maybe who you're not leaving assets to, and even get some sense of what your assets are. That's not the case when we use a revocable trust. All of that remains private.   Nick: And just for clarity, for most of the people listening, the terminology, and correct me if I'm wrong, Bill. But the most popular or frequently used sorts of trusts are either living trusts or revocable trusts, which oftentimes are the jargon or the terminology goes hand-in-hand with each other, just from the standpoint of sometimes we've had clients confused between the difference of the two, or if there is a difference between those.   Bill: Right. That's right, Nick. Actually, when we talk about trusts, there can be trusts that are revocable trust, also revocable trust, I guess potato, potato, but a trust that's revocable, which also sometimes is called a living trust or even a living revocable trust. But then there can be trusts that are irrevocable, and those are much more often used for more advanced planning type techniques, be that asset protection or estate tax minimization, or planning for nursing home care in the future, Medicaid planning.   But when most people talk about, "Oh, I have a trust as part of my estate plan," we're talking about a revocable trust. And so like a will, when somebody creates a revocable trust, they keep a lot of control over that, and they have the ability to amend the trust document at any point in time in the future. So, if they like their son-in-law today, but maybe they don't like their son-in-law somewhere down in the future, they can change the trust and take the son-in-law out. They can even revoke the trust in its entirety if they want to, and if that were to happen, the assets would come back into their individual or joint name. So, when we're typically talking about estate planning, we're talking about a revocable trust, which again is just really a substitute for a last will and testament, because it's going to direct where the assets go once you die.   When you have a revocable trust, sort of to give a little more clarity on it, typically, when someone sets up a revocable trust, the person who creates the trust serves as the trustee of the trust while they're alive. And the role of trustee is sort of similar to being the president of the corporation, if we're thinking of it like an entity, so that trustee has the authority to deal with those assets in the trust. What the trust says is that while the person who created the trust is alive, they can do anything they want with the assets in that trust, so they can consume them, they can give them away, they can put other assets in the trust, they can make loans or sell assets, just like they could if they were in their individual name.   But then the trust goes on to say, "If the person becomes incapacitated or they die, here's what happens to the assets now," and that's when we put the same types of terms that we would normally put it in their will into that trust document. And so, the fact that when they die, they don't have any assets in their individual name, hopefully they're all in this trust, or they have beneficiary designations that put them into the trust, then those assets will go to where they want them to go, but we don't have to get the court system involved again.   Marc: Gotcha. Yeah, when you started talking about that, I was going to ask you, sometimes people ... For folks who don't deal in this world, or very often, we hear about being the executor of an estate, right? Is that different when you're kind of in charge of the trust? Are those terms interchangeable, or is that different?   Bill: No, good question. The executor is the common name for who would administer a probate estate or be in charge of a probate estate if you had a will and the assets were going through the court system. Here in Florida, we call that role something else, but it's the exact same thing as an executor. We call it the personal representative of the estate.   A trustee is similar to that role of executor, but the trustee is in charge of assets that are in the trust or owned by the trust, and so they're not assets going through the probate. So, both the trustee of a trust-based plan does pretty much the same types of things when someone dies as the executor or personal representative of a estate would have to do, a probate estate, if we're using a will. And what I mean by that is, your revocable trust is responsible for paying any and all valid creditors that the deceased individual might've had at the time of their death, just like what happens with a probate system. And the trustee is also responsible to make sure that the deceased individual's, all of their tax returns have been filed and taxes have been paid, things of that nature. So, they do a lot of the same sorts of things like an executor.   But again, they're handling that initial administration outside of the court system, and so we can start right away. We're not waiting for a court to appoint the person as trustee. In fact, on the day the individual who created the trust dies, we could appoint the successor trustee on that day even, because again, we don't have to get the court involved, and we can start paying creditors and making sure all the tax returns are filed and taxes are paid, and we're not waiting on the court system to handle all this. So, things go a lot quicker and smoother from that standpoint.   Marc: Gotcha. Okay. Do you set up beneficiaries kind of the same way you would do with other things, and I guess you're putting all the different assets under the trust umbrella, and then you have beneficiaries for individual items? Or is it like an overview in the trust, if that makes sense?   Bill: I mean, what happens is, again, it sort of could mimic what's in somebody's will if they're using a will.   Marc: Okay. Gotcha.   Bill: But what happened would be ideally, we're either going to put all the assets into the trust during the person's lifetime, or there's some assets we can't put into a trust. They have to stay in the individual's name during their lifetime. The most common one for that would be retirement accounts. IRAs or 401k plans have to stay in the individual name of the owner or the participant under the plan up until their death, but we can direct those assets by a beneficiary designation into the trust once the individual dies, so we avoid the probate process by doing that.   Marc: Gotcha.   Bill: We may very well name individual beneficiaries, and occasionally, there might be specific assets that people want to leave to certain individuals, and so we would put those specific provisions in the trust document. Maybe they want to leave this house to somebody, their boat or some other piece of real estate or something of that nature. There might also be specific cash gifts they want to make. And then ultimately, we have what is typically referred to as the residuary of the estate, everything else that's left over, where does that go?   We more often use percentages of somebody's estate when we're putting together an estate plan rather than specific assets or specific dollar amounts. And the reason we advise to do that is because whenever we're doing an estate planning, I tell people, "We're taking a photograph or a snapshot of what your life looks like today, what your assets are, what the current law is, who do you want to benefit, things of that nature. But hopefully, we're not going to have to use these instruments until somewhere far out into the future, and we just don't know what your estate might look like when that day comes, your death, that we have to now implement the plan."   And if somebody is making a large gift, let's say today their estate's worth $3 million or something, and they're going to give away $1 million to somebody, and then the rest they want divided among their children. If due to healthcare or other reasons, their estate goes down in value before they die to maybe it's only $1,000,001 when they die, that individual's still going to get the million dollars, and then their children are only going to split $100,000 versus the $2 million that they thought they were going to split when they put the plan in place. If instead they use percentages rather than specific dollar amounts, then it doesn't matter as much whether their estate goes up in value or goes down in value. At least regarding the relative size of the gifts, they'll be the same, and so that's usually an approach we would prefer to take, really, than using specific dollar amounts for gifts within a trust.   Nick: And I'll jump in on that a little bit too.   Bill: Yeah, please.   Nick: Just because oftentimes, from a front line standpoint as an advisor, we're sitting with clients and they're adjusting beneficiaries. So one example of a conversation I've had with a client is, so maybe they have a 401k at a previous company and maybe it's a couple hundred thousand bucks, and they have a beneficiary listed there. And then they have a second 401k that they've had at their current employer for the past few years, and there's less money in there, and so people tend to segment accounts in their minds. And so they'll say, "Well, I'll put this other person on this one, because I have my sister or my brother or ..." on the first one.   Just them not thinking that, "Well, hey, later on in life, things may be consolidated," or you may spend from one account before you spend from another account, and using the percentage kind of strategy tends to be much more effective for people. And just to kind of jump on that beneficiary side of things too, because I know that you guys run into this and we run into it, but I think one of the things worth mentioning is, and you can kind of walk us through it more thoroughly, Bill, is just the conflict between beneficiaries listed on an account and a trust, and how one can supersede the other, because maybe somebody didn't update their beneficiaries or things like that.   Bill: Sure. When somebody dies, how assets can pass are in one of three ways, but one of the ways is by contract law, and those are assets that you can put a beneficiary designation on. And I mentioned earlier, retirement accounts are common accounts that you really need to put a beneficiary designation on. But on a lot of financial accounts, be that a bank account or a savings account or a brokerage account, if somebody wants to, they can hold that account in their individual name, but they can put a beneficiary designation on those that are referred to like a pay on death designation if it's a bank account, or a transfer on death designation if it's a securities or brokerage account. And what that means is that when the owner of that account dies, by contract law, the institution agrees to pay that account to whoever their named beneficiary is. All they have to do is take a death certificate to the institution, and that becomes that beneficiary's account.   The issue that people need to keep in mind, though, is sometimes people put beneficiary designations on assets, and yet let's say they have three children, and then through their will or their trust, they say, "When I die, I want to leave everything equally to my three kids," but for whatever reason, they put a beneficiary designation on an account that named just one of the three children. Legally, that one child will inherit that account, because that's what's going to control that account, that beneficiary designation. And it doesn't matter what their will or trust says, because it will pass outside of going through the probate process, and it also won't go through the trust if it's an account that was in their individual name with a beneficiary designation in favor of one individual.   And so, people need to make sure when they're doing their estate plan that everything lines up and is in alignment, as far as accounts, if they have beneficiary designations on them, that they agree with whatever their trust or will that they're using calls for. Or at least they have an understanding of how that's going to flow. I don't know if that's what you're referring to [inaudible 00:17:13]   Nick: Yeah, yeah, just kind of the uniformity and the importance of, I think, from the extent from how we see things, that a lot of times as an advisor we suggest to a client to get an estate plan done, and then we stand ready, willing, and able to help them implement, like retitling accounts in the name of a trust or updating beneficiaries. But there's instances where not all the accounts are through us or just different things that happen. And so that implementation, that second phase is super important, and I think people do kind of tend to assume that, well, hey, if I have my trust and I've gone through and I've done this process and I've written out exactly what I want to happen in my trust, then all my accounts should just automatically follow those rules. And I think people understanding that that's not the case, that a beneficiary designation on an account can supersede a trust, is super important, especially if it happens to be an ex-spouse or something like that, which is not a great situation. So, I just wanted to bring that up.   Marc: Okay. Yeah, that makes sense. And what we'll do is we'll do one more question here and then we'll wrap this episode up, and that way we keep these at a normal timeframe, and then we'll have Bill back on again for a continuing session to chat some more about this topic. One of the things I was going to ask you when you guys were running through some of this stuff, and I've heard this before from other advisors, that a common mistake is that you go through the time and the effort to get a trust put together, Bill, and then people don't fund the trust. Can you kind of explain what that means?   Bill: Right. Yes. That can be a common problem with a lot of individuals, and not with our clients, but [inaudible 00:18:53] the standpoint that some people think that, okay, I go to my attorney, they create this trust document for me that's going to avoid probate. I sign the agreement and then everything's done. That's not the case.   What happens after you create the trust, you now have to what we call fund it, which means retitle assets out of that person's either individual or joint name into the trust, or add beneficiary designations onto the assets, if they're able to use a beneficiary designation that would be in favor of the trust so that when they die, even though the account is in their individual or joint name, it automatically passes into the trust. If somebody doesn't do that, if they don't fund the trust, if they just sign the instrument, but they don't go out and retitle these various assets, then what's going to happen? They're going to die, at the time of their death, the trust doesn't have anything in it yet.   And when you have a trust-based plan, if it's done right, you're still going to have a last will and testament that we refer to as a pour-over will. That's really there to catch assets that for whatever reason were not put into the trust, or a beneficiary designation was not put on them directing them to the trust at the time of the person's death. So that pour-over will says, "Hey, when Bill dies, if we find anything in his individual name, this will's going to take that asset and pour it over into Bill's trust that will direct where the assets go." But to get that asset or assets out of Bill's name over into that trust, we got to go through the probate process to do it.   Marc: Oh, wow.   Bill: We don't want that to happen, so it's very important that when your trust is put in place, that your attorney and your financial advisors and everybody, that we have all this information. That's why we work very collaboratively with advisors like Nick and John to make sure that we've identified all their assets, and that they are titled into the trust at the time they create the trust, or they get a beneficiary designation on it.   And the way you title those assets into the trust, I tell people the rule of thumb is, if you were going to sell that asset to somebody else, how would you do it? So if it's real estate, we have to do a deed and deed it from that person's individual name into the trust. If it's a interest in a closely-held company like a corporation or an LLC, we have to do an assignment of that interest over to the trust, or a new stock certificate. If it's accounts like that Nick and John are managing, then it's very easy. They go ahead and retitle those accounts from the person's individual name into the trust. But all those steps have to be taken, because otherwise they've got this trust document that ultimately will direct where the assets go after they die, but we're going to have to go through the probate process to get the assets into that, and it sort of defeats one of the primary purposes of having a revocable trust.   Marc: Exactly, so you've got kind of like a shell with not much in it, I suppose.   Bill: Right, exactly.   Marc: Okay. Well, look, so as Bill said, a lot of times they got to work hand-in-hand, so that's the importance of a team and working with financial planners and estate planning attorneys, and so on and so forth. We talked quite a bit about that the last couple episodes. If you need some help, we're going to jump out, we'll come back in with a new episode here in about a week or so, so reach out to John and Nick, or reach out to Bill and Nicole as well. You can find Bill and Nicole at LegacyProtectionLawyers.com. That's LegacyProtectionLawyers.com. They're based out of St. Petersburg, Florida. You can check the show description. We'll have a link down there for you. Or you can also just call 727-471-5868, 727-471-5868.   And of course, if you want to talk with John and Nick, as always, don't forget to subscribe to the podcast and find them online, and all that information is at PFGprivatewealth.com. That's PFGprivatewealth.com. Nick, thanks for being here, my friend, as always, and of course, Bill, thanks for being here and being our special guest. A lot of great information and really did a great job kind of breaking that down for folks.   Bill: Thank you. I enjoyed it.   Marc: Absolutely, so we'll have you back on in about a week or so. We'll talk a little bit more about our four-part series on estate planning with John and Nick on Retirement Planning - Redefined.

In today's episode, we're sitting with Marianne Marchesi, the Founder and Managing Principal of Legalite, an award-winning law firm that's been shaking up one of the oldest, most rigid industries in Australia. Her clients include some of the country's most loved retail brands, and she's built a reputation for making legal advice practical, human, and surprisingly jargon-free.Today we're discussing:The fast way to build legal agility into your business model from day oneStructuring for growth and asset protection (company, trust, unit trust)IP basics retailers actually need: trademarks, copyright, designsAI in content and images: what you do and don't own, and how app T&Cs can bitePrivacy and Spam Act essentials for email and SMS listsWriting T&Cs and privacy policies that match what you actually doReturns done right: change‑of‑mind vs faulty goods obligationsInfluencer campaigns: disclosure, guidelines and who's liable if they over‑promisePromotions and pricing: genuine discounts, time limits and “while stocks last”Working with overseas suppliers and dropship partners: protections to bake inConnect with MarianneExplore LegaliteSMS us to request a guest!Support the showWant to level up your ecommerce game? Come hang out in the Add To Cart Community. We're talking deep dives, smart events, and real-world inspo for operators who are in it for the long haul. Connect with Nathan BushContact Add To CartJoin the Community

What if the title you love, the story you've lived, or the brand you're building could land you in legal trouble?This week, attorney and author Cheri Andrews reveals what most writers miss about protecting their books and businesses. From book titles to memoir minefields, she breaks down the must-know legal moves every author should make before publishing.In this episode, you'll discover:Why skipping copyright could cost you more than your bookThe truth about titles—and what you can't protectMemoir red flags that could trigger lawsuitsWhen a quote crosses the line into copyright violationHow one missed step can destroy your brandProtect your words. Own your work. Avoid expensive mistakes.Listen now for the legal clarity every author needs.Here's how to connect with Cheri:EmailWebsiteLinkedInFacebook Business PageInstagramDownload Cheri's free gift, "Safeguard Your Success"*************************************************************************Want More Book Marketing Ideas? Subscribe to Book Marketing with Susan Friedmann on Substack for fresh, thought-provoking strategies that challenge the norm and help you market your book in smarter, more effective ways. Click here to join me FREE on Substack Or, if you're ready for the inside track, become a paid subscriber for exclusive behind-the-scenes marketing templates, campaign breakdowns, and access to my best strategies.

In this episode, we break down how some Kiwi property investors can legally vote more than once in local council elections — and why it's not as sneaky as it sounds. You'll hear how the Ratepayer Roll works, what forms you need to fill out, and the surprising stats about how few people actually do it. Plus, we tackle the big question: is it ethical?How the Ratepayer Roll lets you vote in more than one local electorateThe simple process to register without breaking the lawThe ethical debate that could shape future election rulesDon't forget to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠create your free Opes+ account here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.For more from Opes Partners:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Sign up for the weekly Private Property newsletter⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Instagram⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠TikTok⁠⁠⁠⁠⁠

This week, we’re talking about the Long Island serial killer that went unidentified for over a decade despite 11 bodies being discovered. Plus, we’re going over Diddy’s new motion for a retrial.See omnystudio.com/listener for privacy information.

A recent paper published in JAMA shows that Idaho has lost approximately 35 percent of doctors specializing in obstetrics and gynecology, leaving many counties without any maternal or reproductive health care providers at all.  That comes after the state passed one of the most restrictive abortion bans in the country after the U.S. Supreme Court overturned Roe v. Wade in 2022. Amber Nelson, executive director of the Idaho Coalition for Safe Healthcare, says 85% of these practicing specialists work in just seven of the state’s urban counties.   Dr. Amelia Huntsberger was a practicing OBGYN in Idaho for many years before the ban. But after the ban, the emotional strain of navigating patient care amid the possibility of prosecution, led to the painful decision to uproot her family and move out of state. Huntsberger now practices in Eugene, but she says her family still deals with the grief that transition brought. We talk with her and Nelson about the larger trends and what they mean in the lives of women seeking reproductive and material care.  

Gm! This week Miles Jennings and Eddy Lazzarin join Yano to dive into how a16z is approaching the current crypto landscape with a big focus on token design, designation, and how Founders can think pragmatically both along legal and engineering lines to execute their project.  -- Start your day with crypto news, analysis and data from Katherine Ross. Subscribe to the Empire newsletter: https://blockworks.co/newsletter/empire?utm_source=podcasts -- Follow Eddy: https://x.com/eddylazzarinFollow Miles: https://x.com/milesjenningsFollow Jason: https://x.com/JasonYanowitzFollow Empire: https://twitter.com/theempirepod -- Join the Empire Telegram: https://t.me/+CaCYvTOB4Eg1OWJh -- SKALE is the next evolution in Layer 1 blockchains with a gas-free invisible user experience, instant finality, high speed, and robust security. SKALE is built different as it allows for limitless scalability and has already saved its 50 Million users over $11 Billion in gas fees.  SKALE is high-performance and cost-effective, making it ideal for compute-intensive applications like AI, gaming, and consumer-facing dApps. Learn more at https://skale.space and stay up to date with the gas-free invisible blockchain on X at @skalenetwork -- Katana is a DeFi-first chain built for deep liquidity and high yield. No empty emissions, just real yield and sequencer fees routed back to DeFi users.  Pre-deposit now: Earn high APRs with Turtle Club [https://app.turtle.club/campaigns/katana] or spin the wheel with Katana Krates [https://app.katana.network/krates] -- Ledn is the leading platform for Bitcoin-backed loans, offering a secure and transparent way to unlock liquidity without selling your Bitcoin. Ledn has issued over $9 billion in loans since 2018 and has never lost a single satoshi of client assets, earning a reputation as the name you can trust in the crypto space. Visit https://www.ledn.io to learn more. – Timestamps: (03:36) Progress In DC (05:42) Paul Atkins' Onchain Declaration (13:55) End of Foundation Era In Crypto (27:31) Ads (Skale, Katana) (29:02) DUNAs & BORGs (40:12) Defining Tokens (54:54) Ads (Skale, Katana) (56:25) Token Transparency & Classifications (01:07:29) When Fees? (01:15:55) Ads (LEDN) (01:16:57) Balancing PortCos (01:19:44) Common Founder FAQs — Disclaimer: Nothing said on Empire is a recommendation to buy or sell securities or tokens. This podcast is for informational purposes only, and any views expressed by anyone on the show are solely our opinions, not financial advice. Santiago, Jason, and our guests may hold positions in the companies, funds, or projects discussed.

2 Ways to Avoid Tax Legally and 2 Ways to Get Audited.

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This Day in Legal History: Gulf of Tonkin ResolutionOn August 7, 1964, the U.S. Congress passed the Gulf of Tonkin Resolution, dramatically reshaping the legal landscape of American military engagement. Prompted by reports—later disputed—of North Vietnamese attacks on the USS Maddox in the Gulf of Tonkin, the resolution granted President Lyndon B. Johnson broad authority to use military force in Southeast Asia without a formal declaration of war. It passed nearly unanimously, with only two dissenting votes in the Senate, reflecting the tense Cold War atmosphere and congressional trust in the executive branch.Legally, the resolution functioned as an open-ended authorization for the president to escalate military operations in Vietnam. Within months, it led to the deployment of hundreds of thousands of U.S. troops. Critics would later argue that it allowed the executive to bypass Congress's constitutional war-making powers, effectively green-lighting a years-long conflict based on contested facts.As the war dragged on and public opinion turned, the resolution became a focal point for debates over separation of powers, congressional oversight, and executive overreach. In 1971, amid growing backlash, Congress repealed the resolution, but its legacy endured. It served as a legal and historical precedent for future authorizations of force, including those passed after 9/11.A federal appeals court has upheld the SEC's long-standing “gag rule,” which prevents defendants who settle civil enforcement cases from publicly denying the agency's allegations. The 9th Circuit Court of Appeals ruled 3-0 that the rule is not unconstitutional on its face but left room for future challenges depending on how it's applied. The policy, in place since 1972, requires settling parties to at least refrain from admitting or denying wrongdoing. The court emphasized that defendants remain free to reject settlements if they wish to speak out.Twelve petitioners, including former Xerox CFO Barry Romeril and the New Civil Liberties Alliance (NCLA), challenged the SEC's January 2024 decision not to revise the rule. Romeril had previously brought a similar challenge to the Supreme Court with support from Elon Musk, but the Court declined to hear it. Writing for the panel, Judge Daniel Bress noted that removing the gag could reduce the SEC's ability to settle cases efficiently and that speech restrictions are voluntary components of settlement agreements.The NCLA criticized the decision, arguing it effectively sanctions government-imposed silence and announced plans to pursue further appeals. SEC Commissioner Hester Peirce also dissented from the agency's refusal to revisit the rule, arguing that it hinders public accountability by suppressing potential criticism. The SEC declined to comment on the ruling, which came in the case Powell et al v. SEC.US appeals court upholds SEC 'gag rule' over free speech objections | ReutersThe Stanford Daily, Stanford University's student newspaper, has filed a lawsuit against the Trump administration, accusing it of violating the free speech rights of foreign students. The suit, filed in federal court in California, alleges that threats of arrest, detention, or deportation have created a climate of fear among international students, discouraging them from writing about sensitive political issues—particularly the Israeli-Palestinian conflict. Two unnamed students joined the paper in the lawsuit, which names Secretary of State Marco Rubio and Secretary of Homeland Security Kristi Noem as defendants.According to the plaintiffs, the administration has labeled pro-Palestinian viewpoints as antisemitic or extremist and attempted to deport students expressing such views, framing them as threats to U.S. foreign policy. In some instances, students have been detained without charges, though judges have later ordered their release. The lawsuit contends that these actions have led to widespread self-censorship among international students, chilling constitutionally protected speech in areas such as protests, slogans, and commentary on U.S. and Israeli policy.The Stanford Daily is seeking a court ruling affirming that the First Amendment protects non-citizens from government retaliation based on their speech. The university clarified it is not involved in the suit, as the newspaper operates independently. Attorney Conor Fitzpatrick, representing the paper, called the government's actions antithetical to American values of free expression.Stanford student newspaper sues Trump administration for alleged free speech violations | ReutersA U.S. appeals court has reinstated a lawsuit accusing major drugmakers Sanofi, Eli Lilly, Novo Nordisk, and AstraZeneca of conspiring to limit drug discounts provided under the federal 340B program. The 2nd Circuit Court of Appeals reversed a lower court's dismissal, allowing two health clinics—Mosaic Health and Central Virginia Health Services—to proceed with their proposed class action. These clinics claim the companies colluded in 2020 to restrict discounts on diabetes medications, harming safety-net providers and the low-income patients they serve.The court found that because the four companies control much of the diabetes drug market, coordination to limit discounts could be feasible. Judge Myrna Pérez, writing for the panel, noted the allegations were plausible enough to move forward. The drugmakers have denied wrongdoing and argue their policies were developed independently to address alleged fraud in the 340B program. Sanofi and Novo Nordisk said they are reviewing the decision, while Lilly criticized the ruling and defended its practices as legal.The clinics say the drugmakers earned billions in extra profits through these policies, which allegedly undercut essential savings for providers. The case underscores the broader tension between pharmaceutical companies and healthcare providers over the administration of the 340B program, which requires drugmakers to offer discounts in exchange for access to federal healthcare funds.US appeals court reinstates drug-price conspiracy lawsuit against Sanofi, rival pharma companies | ReutersPepsiCo is facing a proposed class action lawsuit alleging it engaged in illegal price discrimination by giving more favorable pricing and discount terms to large retailers like Walmart while denying the same deals to smaller businesses. Filed in federal court in Manhattan by an Italian restaurant operator, the lawsuit claims this practice violates the Robinson-Patman Act, a rarely enforced 1936 antitrust law meant to prevent discriminatory pricing that harms competition.The suit accuses Pepsi of providing payments and allowances to Walmart that were not extended to other retailers, placing smaller businesses at a competitive disadvantage. Although Walmart is named in the allegations, it is not a defendant in the case. The plaintiff argues that Pepsi's pricing tactics unfairly burden other merchants who must pay more for the same products.This legal action echoes a previous Federal Trade Commission (FTC) lawsuit filed against Pepsi in January under the Biden administration. However, the second Trump administration dropped the case in May, with Trump-appointed FTC Chair Andrew Ferguson criticizing it as a politically motivated effort launched too late in the prior administration's term. The FTC has not commented on the new private lawsuit.The class action seeks unspecified damages on behalf of thousands of Pepsi purchasers nationwide. Neither Pepsi nor Walmart has publicly responded to the allegations.Pepsi accused of price discrimination in new merchant class action | Reuters This is a public episode. 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Today's wrestling news, including...Brock Lesnar Has NOT Been “Legally Cleared”Roman Reigns Disappearing From WWE!AEW Star Set For Hellish SurgeryOriginal Seth Rollins Plans REVEALED?!ENJOY!Follow us on Twitter:@AdamWilbourn@AndyHMurray@WhatCultureWWE Hosted on Acast. See acast.com/privacy for more information.

This new chemical immunity bill pretends to support farmers while legally granting immunity from lawsuits against harm to the producers of pesticides, herbicides, fungicides, and insecticides. There have been billions of dollars in settlements from glyphosate, and there are currently 165,000 active cancer lawsuits against the producer. If this immunity bill passes, all of these lawsuits will go away!Section 453 of the bill grants legal immunity to domestic and foreign chemical producers. Future failure-to-warn pesticide lawsuits would be dismissed. We often trust chemicals and drugs that are considered safe and effective, only to find out that they are actually deadly. This is due to a loophole allowing drug and chemical companies to keep negative safety studies confidential and unpublished. The Modern Ag Alliance is a “front group” created by Bayer. They create grassroots movements to make it appear that most people agree that glyphosate is a critical farming tool. They claim that it's safe and vital to secure our food supply. Groups within the WHO have labeled glyphosate as a probable carcinogen for humans, and many people have won cancer lawsuits against the manufacturer. Despite the evidence, chemical companies are taking a food security stance, claiming we will starve without glyphosate.Kelly Ryerson explains that if these companies achieve legal immunity, they will be allowed to continue to use chemicals that have been shown to cause health problems like Parkinson's, cancer, ALS, infertility, and more, with no consequences! This agricultural chemical liability shield will be virtually impossible to reverse if passed.To fight back against the pesticide legal immunity bill, contact your state senators and tell them you do not support any language granting legal immunity to chemical companies!Dr. Eric Berg DC Bio:Dr. Berg, age 60, is a chiropractor who specializes in Healthy Ketosis & Intermittent Fasting. He is the Director of Dr. Berg Nutritionals and author of the best-selling book The Healthy Keto Plan. He no longer practices, but focuses on health education through social media.

Most investors know about 1031 exchanges, but few realize how much inefficiency, hidden fees, and outdated systems still dominate the process. In this episode, Daniel Osman, CPA reveals how his team is disrupting the industry with tech-forward, transparent, and zero-fee solutions. From compound growth to generational wealth and AI-powered innovation, this is the future of tax strategy for serious real estate investors.   WHAT YOU'LL LEARN FROM THIS EPISODE   What a 1031 exchange is and why it's critical for long-term wealth building How Deferred.com is eliminating fees, sharing interest, and modernizing exchanges The "swap ‘til you drop" strategy and how to pass on assets tax-free to heirs Hidden inefficiencies of traditional QIs  Creative ways to rescue a potentially failed 1031 exchange   RESOURCES MENTIONED IN THIS EPISODE Deloitte  askAri   ABOUT DANIEL OSMAN, CPA  With a strong foundation in accounting, sales, and strategic partnerships, Daniel leads growth at Deferred. He's dedicated to building a 10-star customer experience while making a potentially complex 1031 process simple and easy to navigate. Previously, he managed partnerships at Home Depot, led sales and operations at Balance Homes, and worked at Deloitte & Touche across their M&A and Audit practices.   CONNECT WITH DANIEL  Website: deferred.com  LinkedIn: Daniel Osman, CPA    CONNECT WITH US: If you need help with anything in real estate, please email invest@rpcinvest.com  Reach Ron: RP Capital Leave podcast reviews and topic suggestions: iTunes Subscribe and get additional info: Get Real Estate Success Facebook Group: Cash Flow Property Facebook Community Instagram: @ronphillips_ YouTube: RpCapital Get the latest trends and insights: RP Capital Newsletter  

A couple of weekends ago, the Association for Nude Recreation held their annual convention, celebrating all things in non-sexual nudity. We teamed up with former guest John Jankowski from We Bare All, a group in Wisconsin, who we've been working with to produce their podcast... Where do things stand today?

A legal loophole allowed Brandon Mitchell to bring home a baby boy via surrogacy, despite the fact that he was convicted of child sex abuse in 2016. Mitchell drew public outrage after posting a disturbing video of the baby on social media, with many calling for Pennsylvania laws to be changed – the state has strict oversight on adoption but different rules for surrogacy. Reduxx reports: “While Pennsylvania's adoption law does prohibits s*x offenders from adopting or fostering children, gestational surrogacy circumvents any such laws through pre-birth parentage orders.” York County DA Tim Barker says the loophole is a critical issue and urged lawmakers to protect kids with new legislation. Mitchell's attorney, Peter Kratsa, defended his client by saying Mitchell completed his sentence, counseling, and that there is no evidence he has reoffended. Sage Steele hosts The Sage Steele Show on Club Random Studios. She was a lead host at ESPN from 2007-2023, anchoring SportsCenter and NBA Countdown. Steele has covered major events like the Super Bowl and hosted ABC's The View. She serves on boards for The Boys & Girls Club and The V Foundation. More at https://sagesteele.com John Leake is a co-author with Dr. Peter McCullough of “Vaccines: Mythology, Ideology, and Reality“. He writes investigative reports for Focal Points on Substack and is secretary of the McCullough Foundation. More at https://focalpoints.com 「 SUPPORT OUR SPONSORS 」 Find out more about the brands that make this show possible and get special discounts on Dr. Drew's favorite products at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://drdrew.com/sponsors⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠  ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ • ACTIVE SKIN REPAIR - Repair skin faster with more of the molecule your body creates naturally! Hypochlorous (HOCl) is produced by white blood cells to support healing – and no sting. Get 20% off at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://drdrew.com/skinrepair⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ • FATTY15 – The future of essential fatty acids is here! Strengthen your cells against age-related breakdown with Fatty15. Get 15% off a 90-day Starter Kit Subscription at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://drdrew.com/fatty15⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ • PALEOVALLEY - "Paleovalley has a wide variety of extraordinary products that are both healthful and delicious,” says Dr. Drew. "I am a huge fan of this brand and know you'll love it too!” Get 15% off your first order at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://drdrew.com/paleovalley⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ • VSHREDMD – Formulated by Dr. Drew: The Science of Cellular Health + World-Class Training Programs, Premium Content, and 1-1 Training with Certified V Shred Coaches! More at https://drdrew.com/vshredmd • THE WELLNESS COMPANY - Counteract harmful spike proteins with TWC's Signature Series Spike Support Formula containing nattokinase and selenium. Learn more about TWC's supplements at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://twc.health/drew⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ 「 MEDICAL NOTE 」 Portions of this program may examine countervailing views on important medical issues. Always consult your physician before making any decisions about your health. 「 ABOUT THE SHOW 」 Ask Dr. Drew is produced by Kaleb Nation (⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://kalebnation.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠) and Susan Pinsky (⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://twitter.com/firstladyoflov⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠e⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠). This show is for entertainment and/or informational purposes only, and is not a substitute for medical advice, diagnosis, or treatment. Learn more about your ad choices. Visit megaphone.fm/adchoices

David takes a look at certain efforts to undermine the spirit of the law, whether or not the letter of the law is followed, and what it means for our financial markets. This is a golden issue for Capital Record, an optimal application of where freedom and virtue must be juxtaposed. 

Emily and Shane are in Tahoe at a beautiful Vrbo! They’re giving the latest updates on the gruesome Idaho murders, the Menendez brother’s potential release and Blake Lively’s withdrawn subpoenas.See omnystudio.com/listener for privacy information.

Emily and Shane are going over the case from Netflix’s latest docuseries: “Amy Bradley Is Missing”. See omnystudio.com/listener for privacy information.

Gun Owners Action League Executive Director Jim Wallace joins Cam to talk about GOAL's involvement in defending Air Force veteran Kyle Culotta, a recent transplant from Arizona who's being held without bail in a Massachusetts jail and facing more than a decade in prison for simply possessing several firearms and a large capacity magazine without a Massachusetts license to carry.

On this eye-opening episode, we're joined by researcher and radio host Tony Arterburn for a deep dive into the suppressed truths behind global events and the cultural narratives shaping our world. We explore the hidden history and the unseen hand guiding psychological operations across decades, from the rise of ISIS to the engineered clash between the West and the Muslim world. We break down the spiritual and societal rot caused by modern psyops, the deliberate cultural decay infecting the masses, and the slow death of the U.S. dollar as global power shifts. This one connects the dots like never before. Please subscribe to the new Tin Foil Hat youtube channel:  https://www.youtube.com/@TinFoilHatYoutube Check out Sam Tripoli new crowd work special "Black Crack Robots" now for free. https://youtu.be/_FKugOeYaLc Check out Sam Tripoli's 2nd New Crowd Work Special “Potty Mouth” on YouTube for free. https://www.youtube.com/watch?v=22j3Ds5ArjM Grab your copy of the 2nd issue of the Chaos Twins now and join the Army Of Chaos: https://bit.ly/415fDfY Check out Sam "DoomScrollin with Sam Tripoli and Midnight Mike" Every Tuesday At 4pm pst on Youtube, X Twitter, Rumble and Rokfin! Join the WolfPack at Wise Wolf Gold and Silver and start hedging your financial position by investing in precious metals now!  Go to samtripoli.gold and use the promo code "TinFoil" and we thank Tony for supporting our show. CopyMyCrypto.com: The ‘Copy my Crypto' membership site shows you the coins that the youtuber ‘James McMahon' personally holds - and allows you to copy him. So if you'd like to join the 1300 members who copy James, then stop what you're doing and head over to: CopyMyCrypto.com/TFH You'll not only find proof of everything I've said - but my listeners get full access for just $1 Want to see Sam Tripoli live?  Get tickets at SamTripoli.com: San Diego:  Sam Tripoli and Tin Foil Hat Comedy Live July 17th-19th https://americancomedyco.com/collections/sam-tripoli-live-july-17-19   Hollywood:  Comedy Chaos Live At The Comedy Store https://www.showclix.com/event/chaos-july23rd   Boston, MA:  Tin Foil Hat Comedy Night Headlines Nick's Comedy Stop  August 1st https://www.nickscomedystop.com/event-details/special-event-tin-foil-hat-comedy-with-sam-tripoli-and-eddie-bravo-live   Broadbrook Ct: Tin Foil Hat Comedy and Swarm Tank at 8pm on August 2nd https://broadbrookoperahouse.thundertix.com/events/246069   Huntington Beach: Headlining the Mamba Sports Bar & Grill on August 17th https://www.eventbrite.com/e/sam-tripoli-special-event-tickets-1471278867699    Please check out Tony Arterburn's internet: Website: https://www.arterburn.news Website: https://www.wolfpack.gold/ Twitter: https://twitter.com/TonyArterburn Rokfin: https://www.rokfin.com/americaunplugged Podcast: The Artburn Radio Transmission Podcast: https://bit.ly/3U3Hwkw Podcast:  Wise Wolf Gold And Crypto Show: https://bit.ly/3xqlOyg    Please check out Sam Tripoli's internet: Linktree: https://linktr.ee/samtripoli Please Follow Sam Tripoli's Stand Up Youtube Page: https://www.youtube.com/@SamTripoliComedy Please Follow Sam Tripoli's Comedy Instagram:  https://www.instagram.com/samtripolicomedy/ Please Follow Sam Tripoli's Podcast Clip Instagram: https://www.instagram.com/samtripolispodcastclips/   Thank you to our sponsors: Cornbread Hemp: If you're looking for a healthier way to enjoy a carefree moment, you have to give Cornbread Hemp a try! They've created the first-ever USDA Organic THC gummy that's 100% legal. As a special offer for Tin Foil Hat listeners, you can get 30% off your first order! Just visit cornbreadhemp.com/TinFoil and use promo code TinFoil at checkout. Again that's cornbreadhemp.com/TinFoil and use code TinFoil for 30% off your first order. Cheers to a healthier happy hour! Divine Law: And if you're still operating under man's jurisdiction, then I hate to say it—but everything you've built is exposed. To lawsuits. To asset seizures. To systemic collapse.This Masterclass is about stepping out of that system—and back under Divine Law. You'll learn how to: Legally and lawfully reposition your assets under Heaven's jurisdiction.   Go register now at DivineLawMasterclass.com — it's 100% free, but the seats are filling up fast. Again — that's www.DivineLawMasterclass.com  

This week, Columbia University reached a $200 million settlement with the Trump administration to resolve multiple federal civil-rights investigations. The deal—which the White House characterized as the largest anti-Semitism-related settlement in U.S. history—will also release hundreds of millions of dollars in suspended federal grants that had been withheld from Columbia as the administration sought to guarantee the rights of Jewish students and faculty at an institution that has become, since October 7, a hotbed of anti-Jewish and anti-Israel activism. Since taking office, the Trump administration has acted aggressively against anti-Semitism and anti-Americanism at America's elite universities—taking aim at some of the most storied names in higher education: Harvard, Penn, Brown, Columbia. And this effort shows no signs of slowing down. What are the legal tools that the executive branch departments and agencies—especially the Departments of Justice and Education—have at their disposal to protect the rights of Jews on campus? Is there a tension between the protection of Jewish civil rights, on the one hand, and the free speech of students and the academic freedom of faculty, on the other? Last December, just before the new administration took office, Mosaic published an important essay by the lawyer Tal Fortgang, asking how the incoming Trump team could vigorously protect Jewish civil rights. Later that month, Tal joined the legal scholar David E. Bernstein of George Mason University for a conversation about his essay, which was originally made exclusively available to Mosaic subscribers. Today, as the Trump administration implements some of the very principles and strategies that Tal raised in the pages of Mosaic, we are pleased to share that discussion with you. You can also read the transcript here. Musical selections in this podcast are drawn from the Quintet for Clarinet and Strings, op. 31a, composed by Paul Ben-Haim and performed by the ARC Ensemble.    

Welcome to episode 201 of Growers Daily! We cover: starting a business from scratch, where asking if corn is a heavy feeder, and “to terrace or not to terrace…” that's a fun lineup.  We are a Non-Profit! 

Nic McGrue is the founder of Polymath Legal PC, a boutique law firm focused on helping real estate investors lawfully raise capital through syndications. With over a decade of experience and licenses in California and Washington, Nic specializes in securities law and real estate partnerships. He's also a tenured business law professor who brings both legal and practical insight to every client, helping them raise money legally while protecting themselves and their investors.    

In today's Monday Minutes episode, I cover breaking news: the SEC is revisiting how capital raisers might legally get paid without going through a broker-dealer. This could be a game-changer for those who want to raise funds or compensate others to do so—legally and efficiently. Tune in to learn what this could mean for your capital-raising strategy. Resources mentioned in the episode: Hunter's Instagram Interested in learning how to take your capital raising game to the next level? Meet us at Capital Raiser's Edge. Learn more here: https://raisingcapital.com/cre

We’re diving into the subject of Netflix’s documentary “A Deadly American Marriage”, which follows the story of Jason Corbett’s murder.Plus, we have updates on Bryan Kohberger, Denise Richards and Justin Bieber & Scooter Braun.See omnystudio.com/listener for privacy information.