Podcasts about liquidating

Interview recorded - 12th of May, 2026On this episode of the WTFinance podcast I had the pleasure of welcoming back Alasdair Macleod. Alasdair Macleod has over decades of experience in financial markets, with a focus on monetary history, systemic risk, and the enduring role of gold. He is one of the most respected voices on sound money and wealth preservation.During our conversation we spoke about the Middle East conflict, shifting world order, neutralising the US military, Petroyuan, precious metals future and more. I hope you enjoy!0:00 - Introduction1:50 - Middle East conflict7:43 - Neutralising US military10:40 - Taiwan14:32 - Multipolar world?19:00 - Saudi Arabia vs Iran24:34 - Petroyuan28:57 - China fixed currency32:04 - Precious metals prices37:10 - Liquidating gold39:23 - Comex defaults42:20 - One message to takeaway?Alasdair Macleod is is an educator and advocates for sound money through demystifying finance and economics. His background includes being a stockbroker, banker, and economist.Alasdair Macleod started his career as a stockbroker in 1970 on the London Stock Exchange. Within nine years, he had risen to become senior partner of his firm.Subsequently, he held positions at the director level in investment management and worked as a mutual fund manager. Mr. Macleod also worked at a bank in Guernsey as an executive director.For most of his 40 years in the finance industry, he has been demystifying macroeconomic events for his investing clients. The accumulation of this experience has convinced him that unsound monetary policies are the most destructive weapon governments use against the common man. Accordingly, his mission is to educate and inform the public in layman's terms what governments do with money and how to protect themselves from the consequences.Alasdair Macleod - Substack - https://alasdairmacleod.substack.com/Twitter - https://twitter.com/MacleodFinanceLinkedIn - https://www.linkedin.com/in/alasdair-macleod-9494b27/WTFinance -Instagram - https://www.instagram.com/wtfinancee/Spotify - https://open.spotify.com/show/67rpmjG92PNBW0doLyPvfniTunes - https://podcasts.apple.com/us/podcast/wtfinance/id1554934665?uo=4Twitter - https://twitter.com/AnthonyFatseas

The Ultimate Guide for Americans Moving to Spain: Visas, Taxes, and Cross-Border Financial Planning By AIO Financial — Fee-Only Fiduciary Financial Planners Spain has quietly become one of the most popular destinations for Americans relocating abroad. The lifestyle is compelling — long lunches, walkable cities, world-class healthcare, sunshine, and a cost of living that, in many regions, runs 20–30% below comparable U.S. cities. But behind that lifestyle is a tax and regulatory system that can blindside Americans who move without proper planning. We work with U.S. expats every week at AIO Financial, and the same patterns keep showing up. People sell investments at exactly the wrong moment. They convert Roth IRAs and trigger Spanish tax bills they didn’t know existed. They open European brokerage accounts and accidentally buy PFICs. They miss the six-month window for the Beckham Law and lose six figures of potential tax savings. None of this is necessary. Almost every cross-border financial mistake we see is preventable with planning that starts twelve to eighteen months before the move — not after the boxes are unpacked in Valencia. This guide walks through what we believe every American family should understand before moving to Spain: the visa landscape after the Golden Visa was eliminated, how Spain actually taxes Americans (including the surprising treatment of Roth IRAs), what to do with your investments before you become a Spanish tax resident, and how to think about banking, currency, and cash transfers across borders. None of this is legal or tax advice for your specific situation, but it should give you a real working framework before you sit down with a cross-border specialist. Why Americans Are Moving to Spain Right Now The reasons people give us are remarkably consistent. They want better work-life balance. They want their kids to grow up bilingual. They’ve watched U.S. healthcare costs spiral and want a system that just works. They’re approaching retirement and the math on living in coastal Spain versus coastal Florida is hard to argue with. A few are motivated by political concerns; many simply want to live somewhere that feels less hurried. What makes Spain particularly attractive compared to other European destinations is the combination of a well-functioning Digital Nomad Visa, a meaningful (if imperfect) tax treaty with the United States, and a cost-of-living advantage that still holds up despite recent inflation. A single person can live comfortably in mid-sized Spanish cities like Valencia, Granada, or Málaga on roughly €1,600–€1,900 per month. Madrid and Barcelona cost more, but still less than San Francisco, Boston, or Seattle. The catch — and this is the part most relocation guides skip — is that Spain has a wealth tax, taxes worldwide income for residents, does not respect the U.S. tax-free status of Roth IRAs, and uses a fiscal-year structure that can leave new arrivals exposed to a full calendar year of Spanish taxation if they cross the 183-day threshold without realizing it. Done well, moving to Spain can be one of the best financial and lifestyle decisions a family makes. Done poorly, it can be a multi-year tax mess. Visa Pathways: What’s Available in 2026 Before any tax planning matters, you need legal residency. Spain offers several pathways for non-EU citizens, and the right one depends on whether you’re working, retired, or have substantial passive income. The Digital Nomad Visa (DNV) The Digital Nomad Visa, introduced under Spain’s 2023 Startup Act, has become the most popular route for working-age Americans. It allows non-EU remote workers — both employees of foreign companies and self-employed freelancers — to live legally in Spain while working for non-Spanish employers or clients. As of 2026, the income threshold is set at 200% of Spain’s Minimum Interprofessional Salary, which works out to approximately €2,850 per month, or roughly €34,200 per year. Most Spanish consulates recommend showing at least €3,000 monthly to account for currency fluctuations. If you’re applying with family, the income requirement increases. You’ll need to demonstrate an additional 75% of the SMI (about €1,035 per month) for your first dependent — typically a spouse — and 25% for each additional family member. A family of four moving together generally needs to show somewhere around €4,400 per month in qualifying income. The DNV initially issues a residence authorization valid for up to three years if applied for from within Spain, or a one-year visa if applied for through a Spanish consulate abroad. It can be renewed for additional periods, allowing total stays of up to five years, after which permanent residency becomes available. Citizenship is generally available after ten years of legal residency for U.S. nationals (two years for citizens of Latin American countries, the Philippines, Andorra, and a handful of others). Other key requirements include having worked with your current employer or clients for at least three months before applying, holding either a relevant university degree or three years of professional experience in your field, working for a company that has been in operation for at least one year, and earning no more than 20% of your income from Spanish sources. The application process typically takes four to five months. One important wrinkle for Americans: the U.S.–Spain Totalization Agreement does not currently cover remote work in the way that some other bilateral agreements do, so the U.S. Social Security Administration rarely issues Certificates of Coverage for DNV applicants. Most U.S. W-2 employees need to either get their employer to set up a Spanish “shadow payroll” arrangement, switch to 1099 contractor status and register as an autónomo (self-employed) in Spain, or accept that they’ll be paying into the Spanish social security system. This is a frequent friction point and is best resolved before the move, not after. The Non-Lucrative Visa (NLV) The Non-Lucrative Visa is the traditional retiree route — and increasingly used by Americans of any age with sufficient passive income. It explicitly does not permit working in Spain or remotely for any employer, which is its main limitation. As of 2026, applicants need to show approximately €2,400 per month (around €28,800 per year) in passive income or savings, with additional financial requirements for dependents. For genuinely retired Americans drawing Social Security, pension income, or living off investment portfolios, this is often the cleanest path. It comes with one substantial caveat that we’ll return to in the tax section: NLV holders are not eligible for the Beckham Law, so they pay full progressive Spanish tax rates on worldwide income from day one. The Golden Visa Is Gone If you’ve been planning around Spain’s Golden Visa — the residency-by-investment program that previously offered residency in exchange for a €500,000 real estate investment — that program ended in April 2025 as part of housing market reforms. New applications are no longer accepted. Existing Golden Visa holders retain their residency, but anyone considering this route now needs to look at alternative visas, or alternative countries (Portugal and Greece still operate similar programs, though Portugal’s no longer accepts real estate). The Highly Qualified Professional Visa For Americans being recruited by Spanish companies for skilled positions, the Highly Qualified Professional (HQP) Visa provides a path tied to a specific job offer. It’s typically valid for two years and renewable, and it qualifies the holder for the Beckham Law tax regime. This is less common for traditional relocation but matters for executives and engineers being hired into Spanish operations. Choosing Among Them In practice, most Americans we work with end up on either the DNV (if working remotely) or the NLV (if retired or financially independent). The choice has significant tax implications down the line, particularly around eligibility for the Beckham Law, which we’ll cover next. The Spanish Tax System: What Americans Actually Pay This is where most pre-move planning gets serious. Spain taxes its tax residents on worldwide income — meaning your U.S. dividends, your rental income from a property in Texas, your capital gains from selling Apple stock, all of it can be subject to Spanish tax. The U.S.–Spain tax treaty and the Foreign Tax Credit prevent most cases of literal double taxation, but the interaction between the two systems creates real planning challenges. When You Become a Tax Resident Spain considers you a tax resident if any one of three things is true: you spend more than 183 days in Spain during a calendar year, your “center of economic interests” is in Spain (meaning your primary income or main assets are there), or your spouse and minor children habitually live in Spain (a rebuttable presumption). The 183-day rule is the most common trigger, and importantly, sporadic absences count toward the total unless you can prove tax residency in another country. This matters because Spanish tax residency is binary and applies to the full calendar year. If you arrive in Spain on July 1 and stay through year-end, you’ve spent 184 days there and you’re a tax resident for the entire year — including January through June, when you were still living in the U.S. Smart timing of the move can save substantial tax. We often recommend arriving after July 2 in a given year, which keeps you under the 183-day threshold for that year and pushes Spanish tax residency to year two. Income Tax Brackets Spanish income tax (IRPF) is progressive and combines a national portion with a regional portion that varies by autonomous community. For 2026, the combined general rates run roughly: Up to €12,450: about 19% €12,451 to €20,200: about 24% €20,201 to €35,200: about 30% €35,201 to €60,000: about 37% €60,001 to €300,000: about 45% Over €300,000: about 47% Investment income — dividends, interest, capital gains, and rental income from investments — is taxed on a separate “savings” schedule: Up to €6,000: 19% €6,001 to €50,000: 21% €50,001 to €200,000: 23% €200,001 to €300,000: 27% Over €300,000: 30% For most American expats earning between €40,000 and €80,000 per year, the effective Spanish tax rate is about 25–33%, which is comparable to or slightly lower than combined U.S. federal and state taxes for the same income. The pain points aren’t usually the standard rates — they’re the wealth tax, the lack of Roth recognition, and Modelo 720 reporting. The Beckham Law: A Major Opportunity Spain’s “Beckham Law” — named for the soccer player who was its early high-profile beneficiary — allows qualifying newcomers to be taxed as non-residents for up to six years, despite physically living in Spain. Under this regime, you pay a flat 24% on Spanish-source employment income up to €600,000 per year (47% on amounts above that), and your foreign income is generally exempt from Spanish taxation. For an American earning €100,000 per year on a Digital Nomad Visa with an employment contract, the Beckham Law saves roughly €10,000 annually compared to standard progressive rates — and the savings grow rapidly at higher income levels. For someone earning €250,000, the savings can exceed €40,000 per year. The Beckham Law has strict requirements. You generally must not have been a Spanish tax resident in the previous five years, you must move to Spain because of an employment contract or to take on a directorship, and — critically — you must elect into the regime within six months of registering with Spanish Social Security. Miss that six-month window and you cannot opt in later. We’ve seen this mistake destroy tens of thousands of euros of potential tax savings. The regime is available to W-2 employees and DNV holders with employment contracts. It is not available to self-employed autónomos in most circumstances, nor to Non-Lucrative Visa holders. This is why your visa choice has such significant tax implications. The Wealth Tax This is the tax that most surprises Americans. Spain’s wealth tax (Impuesto sobre el Patrimonio) is an annual levy on net worth as of December 31 each year. Spanish tax residents pay on their worldwide assets; non-residents only pay on Spanish-located assets. The structure includes a national tax-free allowance of €700,000 per person (which means €1.4 million for a married couple holding assets jointly), plus an additional €300,000 exemption for your primary residence in Spain. Above those thresholds, rates run progressively from 0.2% to 3.5%, depending on total assets and the autonomous community where you reside. Regional variation matters enormously here. Madrid and Andalucía effectively eliminate the wealth tax through 100% regional bonifications, though the national-level Solidarity Tax on Large Fortunes still applies above €3 million in those regions. Catalonia, by contrast, applies the tax in full. If wealth tax exposure is a serious concern for your situation, the autonomous community you choose to live in becomes a meaningful planning variable. There’s also a Solidarity Tax on Large Fortunes, introduced in 2023, that applies to net wealth above €3 million and adds an additional 1.7% to 3.5% on assets above that threshold. It coordinates with regional wealth tax relief to provide a national floor, so even residents of Madrid pay it on assets above €3 million. Roth IRAs in Spain: A Critical Issue Here is one of the most important things for Americans to understand before moving: Spain does not respect the tax-free status of Roth IRAs. Under U.S. law, qualified Roth IRA distributions are entirely tax-free, since contributions were made with after-tax dollars. Spain doesn’t see it that way. The Spanish tax authority (Hacienda) classifies Roth IRA distributions as investment income — specifically, as income from movable capital — and taxes them at savings rates. The taxable portion is generally the gain (the increase in value over your contributions), not the entire distribution, but this still represents a substantial loss of the Roth’s core benefit. A 2022 binding consultation (V1291-22) clarified this treatment, and the same ruling generally requires Roth IRAs to be reported on Modelo 720 and included in wealth tax calculations. The strategic implications are significant. If you have a large Roth IRA and you’re moving to Spain, you may want to consider taking distributions before establishing Spanish tax residency, while distributions are still tax-free in both countries. After becoming a tax resident, every Roth IRA distribution will likely face Spanish tax on the embedded gains. The same applies to any Roth conversions you might be considering — generally you want these completed before the move, not after. Traditional 401(k) and IRA distributions are treated more conventionally as pension or general income in Spain, and they’re taxable in both countries with foreign tax credits relieving most of the double taxation. The U.S.–Spain treaty was updated by a protocol that entered into force in November 2019, and it improves the treatment of cross-border pensions in several ways, though it does not solve the Roth issue. Capital Gains and Investment Income For Spanish tax residents, capital gains on the sale of most U.S. securities (like stocks held in a brokerage account) are taxable in Spain at savings rates of 19% to 30%. Under the U.S.–Spain treaty, gains on the sale of shares are generally taxed only in the country of residence, with limited exceptions for real estate and substantial shareholdings, so the planning here is relatively clean: if you sell while a U.S. resident, you owe U.S. tax; if you sell while a Spanish resident, you owe Spanish tax. This creates a major pre-move planning opportunity. If you have substantial unrealized gains in your taxable investment accounts, the year before your move is a powerful window. You can harvest gains at U.S. long-term capital gains rates — which top out at 23.8% including the Net Investment Income Tax — rather than at Spanish savings tax rates that run as high as 30% above €300,000 in gains. For a portfolio with $500,000 in unrealized long-term gains, the difference can be tens of thousands of dollars. This is one of the most common planning moves we recommend for clients moving to Spain with appreciated portfolios. The strategy isn’t always to harvest. If you’re moving to a non-Beckham regime and your overall income will push you into Spain’s higher capital gains brackets later, harvesting now may be valuable. If you have low income in Spain and modest gains, the Spanish tax may actually be lower than your U.S. rate. The right answer depends on your specific numbers — which is exactly the kind of cross-border modeling a fee-only planner is well-positioned to do without bias. The Foreign Earned Income Exclusion and Foreign Tax Credit U.S. citizens are taxed on worldwide income regardless of where they live, so you’ll continue filing U.S. returns from Spain. Two main mechanisms prevent literal double taxation. The Foreign Earned Income Exclusion (FEIE), claimed on Form 2555, allows you to exclude up to $130,000 of foreign earned income from U.S. taxation for the 2025 tax year (the limit adjusts for inflation each year). Qualifying requires either the bona fide residence test or the physical presence test (330 full days outside the U.S. in any 12-month period). Importantly, the FEIE only covers earned income — wages and self-employment income — not investment income. The Foreign Tax Credit (FTC), claimed on Form 1116, gives you a dollar-for-dollar credit against U.S. taxes for income taxes paid to Spain. Because Spanish rates often exceed U.S. rates at higher income levels, most expats earning above the FEIE threshold find the FTC works better. Excess credits can be carried back one year and forward ten years. The choice between FEIE and FTC has secondary effects worth understanding. The FEIE can disqualify you from making Roth IRA contributions if it pushes your taxable U.S. income low enough. The FTC preserves earned income for IRA contribution purposes. For families with college-age children, the FEIE can also affect the calculation of education credits. Reporting Obligations: Modelo 720 and FBAR Spanish tax residents must file Modelo 720 each year, declaring foreign accounts, securities, and real estate that exceed €50,000 in any of three categories. The form is informational, not a tax return, but penalties for non-filing have historically been severe (though the European Court of Justice forced Spain to substantially soften them in 2022). The filing window is January 1 through March 31 each year for the prior year’s data. On the U.S. side, you’ll continue to file: FBAR (FinCEN Form 114): required when total foreign accounts exceed $10,000 at any point during the year. Form 8938 (FATCA): required when foreign financial assets exceed $200,000 at year-end or $300,000 at any point during the year for single filers living abroad ($400,000/$600,000 for married filing jointly). Form 8621: required for any PFIC holdings — more on this below. Form 8833: to disclose treaty positions. The reporting load is real but manageable with the right preparer. What gets people in trouble isn’t usually the difficulty of any single form — it’s not knowing the forms exist. Investments: What to Do Before You Become a Spanish Tax Resident This is the single most consequential financial planning area for Americans moving to Spain, and the area where pre-move action matters most. Once you’re a Spanish tax resident, your options narrow considerably. The window before that happens is when most of the high-leverage decisions get made. The Brokerage Account Problem A wave of U.S. brokerage firms — including Vanguard, Fidelity, Morgan Stanley, Merrill Lynch, Edward Jones, Ameriprise, TIAA, USAA, and others — have been restricting or closing accounts of U.S. citizens who update their address to a foreign country. The pace accelerated sharply in 2024 and 2025 as firms tightened compliance with anti-money-laundering and FATCA-related requirements. Some firms close accounts outright; others restrict trading to liquidating positions only; some allow continued holdings but block new purchases. The practical implications for someone planning to move to Spain are: Don’t update your address until you have a plan. Once your firm sees a Spanish address, you may have 30 to 60 days to make decisions under significant time pressure. Identify expat-friendly custodians in advance. Charles Schwab International and Interactive Brokers continue to serve U.S. expats in Spain with relatively few restrictions, and a handful of independent advisory firms maintain relationships with custodians who will hold accounts for U.S. citizens abroad — typically when those accounts are managed by the advisory firm rather than self-directed. Transfer assets in-kind, don’t liquidate. If you’re forced to move accounts, transferring securities directly between custodians avoids creating a tax event. Liquidating into cash can trigger massive unintended capital gains. We spend considerable time at AIO Financial helping clients structure their accounts to remain compliant and accessible from abroad. The best time to do this work is before the move. Why Local European Brokerages Are a Trap for Americans The natural instinct, once you’ve moved to Spain, is to open a Spanish or European brokerage account and invest locally. For non-Americans, this is fine. For U.S. citizens, it’s a tax catastrophe — because of the Passive Foreign Investment Company (PFIC) rules. Under U.S. tax law, virtually any non-U.S. pooled investment vehicle — every European mutual fund, every UCITS ETF, every European-domiciled index fund — is classified as a PFIC. The IRS designed PFIC rules to discourage Americans from investing in foreign funds that the IRS cannot easily audit, and the punishment is severe: PFICs are taxed at the highest ordinary income rates (currently up to 37%) on gains, with interest charges layered on top, and require an annual Form 8621 filing that can take a tax preparer several hours per fund to complete. There’s a Qualified Electing Fund (QEF) election that can avoid the worst of these rules, but it requires the foreign fund to provide an annual PFIC statement with very specific information. Almost no European fund managers produce these for retail investors, so QEF elections are theoretically available but practically impossible. The bottom line is straightforward: as a U.S. citizen living in Spain, you generally need to invest through a U.S. brokerage in U.S.-domiciled funds and ETFs. Buying European funds — even excellent, low-cost European index funds — turns a clean financial picture into a tax disaster. There’s a complicating wrinkle: EU MiFID II regulations restrict EU-resident investors from buying many U.S.-domiciled ETFs, because U.S. fund providers haven’t produced the EU-required Key Information Documents. Most U.S. expats in Europe end up holding individual stocks, ETFs purchased through expat-friendly U.S. brokerages, and pre-existing fund positions. Some use options strategies or structured workarounds. Working with a cross-border advisor who understands which products remain accessible matters here. Pre-Move Investment Moves to Consider Twelve to eighteen months before your move, the following are typically worth analyzing: Harvesting long-term capital gains. As discussed above, U.S. long-term gains rates often beat Spanish savings rates, and once you’re a Spanish resident, every sale potentially triggers Spanish tax. Strategically selling and rebuying appreciated positions in your final U.S. year can lock in U.S. tax treatment. Roth conversions. If you have meaningful traditional IRA balances and you’re not in a high U.S. tax bracket, completing Roth conversions before the move means the conversion is taxed at U.S. rates only. After the move, conversions get more complicated (and the resulting Roth doesn’t get U.S.-style tax-free treatment in Spain anyway). Roth distributions. For older clients with substantial Roth balances who plan to draw on them in retirement, taking distributions before becoming a Spanish tax resident captures the full Roth benefit. Once in Spain, the gain portion of every distribution is taxable. HSA decisions. Health Savings Accounts are not recognized by Spain. The income inside them is potentially taxable annually for Spanish tax residents. Some clients draw down HSAs before the move; others maintain them with the understanding that ongoing reporting and tax will apply. 529 plans. Similar issues. 529 plans aren’t recognized as tax-advantaged in Spain, and depending on the structure, may create ongoing Spanish tax liability. Drawing down 529s for U.S. educational use before the move, or restructuring them, is often part of the plan. Real estate decisions. Selling a U.S. primary residence before the move keeps the Section 121 exclusion ($250,000 single / $500,000 married) cleanly available under U.S. rules. Selling after the move adds Spanish tax considerations and can complicate the exclusion. Renting out the U.S. home while abroad creates ongoing reporting in both countries but can be the right answer for those who plan to return. Trust and estate review. U.S. revocable living trusts are not recognized as transparent in Spain — Spanish tax authorities may treat them as opaque foreign entities, which can create unexpected tax consequences. Estate plans drafted under U.S. assumptions often need substantial revision before a move. Should You Keep Investments in the U.S. or Move Them Abroad? For almost every American citizen moving to Spain, the answer is: keep your investments in the U.S. The combination of PFIC rules, EU MiFID II restrictions on U.S. ETFs, and the comparatively higher costs and lower transparency of European retail investing means that a U.S.-domiciled portfolio held at an expat-friendly U.S. brokerage is almost always the right structure. The exception is if you renounce U.S. citizenship — but that’s a separate, much larger conversation. What changes is what you hold and how you manage it. U.S.-domiciled ETFs and individual stocks remain the foundation. You may need to adjust around currency exposure (more on this below), tax-efficiency rules that differ between the two countries, and the loss of access to certain U.S. mutual funds that don’t allow non-resident purchases. Asset location — what you hold in Roth versus traditional versus taxable accounts — also looks different through a cross-border lens. Currency Considerations One question we get often: should you convert to euros once you move? The honest answer is “it depends on your time horizon and liabilities.” Most retirees and long-term residents in Spain end up with euro-denominated living expenses but dollar-denominated investments. Over time, this creates currency exposure: a 10% drop in the dollar means your investment portfolio buys 10% less in Spain. There are a few approaches we use with clients: Hold a euro cash reserve sufficient to cover 1–2 years of living expenses. This protects against short-term currency movements forcing investment sales at bad prices. Don’t try to time currency markets. Strategic currency hedging at the portfolio level is rarely worth the cost for individual investors. For larger portfolios, consider modest direct euro exposure through ETFs that hold European equities or international developed-market funds. Don’t overdo it — global diversification is good; concentrated currency bets are not. Moving Cash: How to Actually Get Money to Spain Getting funds across the Atlantic has gotten easier in recent years but still has friction points worth understanding. Wire Transfers vs. Money Service Providers Traditional bank wires from a U.S. bank to a Spanish bank work but are typically expensive — fees commonly run $25–$50 per outbound wire from the U.S. side, plus a poor exchange rate that often costs another 1–3% of the amount transferred. For a $100,000 transfer, that’s potentially $3,000+ in spread costs. Specialized providers like Wise (formerly TransferWise), OFX, and Revolut typically offer mid-market exchange rates with much lower fees, often under 0.5% all-in. For larger transfers, a foreign exchange broker can negotiate even better rates, sometimes with a forward contract that locks in the exchange rate for a specific future date — useful when you’re closing on a Spanish property and want to know exactly how many dollars the euro purchase price will cost. For most cross-Atlantic transfers under $250,000, Wise is the simplest and lowest-cost option. Above that, dedicated FX brokers start to make sense. Spanish Bank Accounts You’ll need a Spanish bank account for daily living. The traditional banks (CaixaBank, BBVA, Santander) all offer non-resident accounts you can open before establishing residency, though increasingly they want to see your NIE (Spanish foreigner identification number) or your visa. Newer digital banks like N26 and Revolut are popular with expats for their lower fees and English-language interfaces, though some Spanish landlords and employers still prefer traditional banks. A common approach: open a basic non-resident account at a major Spanish bank for housing transactions and government payments, plus a Wise multicurrency account for receiving USD income and converting to EUR efficiently. Reporting Large Transfers Both U.S. and Spanish authorities track large cross-border transfers. On the U.S. side, transfers over $10,000 are reported automatically by your bank to FinCEN. On the Spanish side, banks report incoming international transfers to the Banco de España and tax authorities. None of this is illegal or problematic — but if you’re moving $400,000 to buy a house in Valencia, expect both sides to know, and don’t structure transfers in ways that look like you’re trying to avoid reporting (which is itself a U.S. federal crime). Cash Buffer for the First Year We typically recommend clients have at least six months — preferably twelve months — of Spanish living expenses available in liquid form before the move, in addition to their long-term investment portfolio. The first year in Spain comes with surprise costs: temporary housing, deposits, immigration fees, legal and tax advisor fees, furniture, car purchases, healthcare deposits. Having a cash buffer means none of this requires selling investments at a bad time or running up debt at unfavorable rates. Healthcare, Insurance, and Social Security Spain has one of the better healthcare systems in the developed world, but accessing it as a new arrival requires planning. Most visa categories require private health insurance during the application process and typically through the first year of residency. Standard policies from companies like Adeslas, Sanitas, and Asisa run €60–€150 per month per person depending on age and coverage level. After establishing residency and (for those working in Spain) contributing to Spanish Social Security, you become eligible for the public system, which is generally excellent. For Americans on Medicare, Medicare does not cover care received in Spain. Some retirees maintain Medicare and pay the Part B premiums in case they return to the U.S.; others let it lapse. Reactivation comes with late-enrollment penalties, so this decision deserves careful thought before it’s made. U.S. Social Security retirement benefits continue to be paid to U.S. citizens living in Spain, and the U.S.–Spain Totalization Agreement helps prevent dual social security taxation for many work situations. Working in Spain also generates Spanish social security credits that may eventually qualify you for Spanish retirement benefits, though qualification typically requires fifteen or more years of contributions. Estate Planning Across Borders This is the area most often deferred — and most often regretted. U.S. estate plans drafted assuming U.S. residence rarely work cleanly in Spain. Spain has its own inheritance and gift tax (Impuesto sobre Sucesiones y Donaciones) that applies to Spanish residents and to inheritances of Spanish-located assets. National rates run from 7.65% to 34%, with multipliers based on the relationship between the deceased and the beneficiary. Autonomous communities have wide latitude to set their own rates and bonifications, so effective rates vary enormously: in Madrid, Andalucía, and several other regions, close family members pay almost nothing; in others, rates approach the national maximum. Spanish forced heirship rules also differ from U.S. rules. Spain reserves a legitimate portion of an estate for certain heirs (typically children), which can override testamentary wishes expressed in a U.S. will. EU Regulation 650/2012 allows you to elect U.S. (or your nationality’s) law to govern your succession, but this election generally must be made explicitly in your will and is not automatic. Revocable living trusts, the workhorse of U.S. estate planning, are not transparent in Spain. The Spanish tax authority may treat the trust as a separate opaque entity, which can create unexpected income tax during life and complicate inheritance treatment at death. Many cross-border families need to revise or replace their trust structure before the move. Practical recommendations: consult a Spanish abogado experienced in cross-border estate planning before the move. Have a Spanish will (separate from your U.S. will) covering Spanish-located assets. Make explicit choice-of-law elections under EU Regulation 650/2012. Review beneficiary designations on all U.S. accounts to ensure they still make sense. Lifestyle Costs: What Spain Actually Costs in 2026 A rough framework for Spanish living costs in 2026, by region: Mid-sized cities (Valencia, Granada, Málaga, Seville, Zaragoza): A comfortable lifestyle for a single person runs €1,800–€2,500 per month including rent for a one-bedroom in a desirable neighborhood. A couple typically lives well on €3,000–€4,500 per month. Madrid and Barcelona: Add 30–50% to the above. A nice one-bedroom in central Madrid runs €1,400–€2,000 per month; in Barcelona, €1,500–€2,200. Total monthly costs for a single person comfortably range €2,800–€4,000. Coastal premium areas (Marbella, Ibiza, parts of Mallorca): Closer to U.S. coastal city costs, especially in summer months. Expect €4,000+ monthly for comfortable single living, often €6,000+ for couples. Rural and smaller towns: Substantially lower. Many Americans report living comfortably in Spanish villages or small cities for €1,500–€2,000 monthly per person, including rent. These figures cover housing, food, utilities, transport, basic entertainment, and private health insurance. They don’t include big-ticket items like a car purchase, international travel, or major medical events. A Practical Pre-Move Timeline For a hypothetical move twelve to eighteen months in the future, here’s the timeline we generally recommend: T-18 to T-12 months: Strategic planning. Engage a U.S.-side cross-border financial planner and a Spanish abogado/tax specialist. Decide on visa pathway. Begin tax-projection modeling. Identify which U.S. accounts will move and which custodians can serve you abroad. Begin Spanish language study if you haven’t already. T-12 to T-9 months: Big financial moves. If indicated, complete Roth conversions. Begin strategic gain harvesting in taxable accounts. Review 529 and HSA balances for pre-move decisions. Decide on U.S. real estate (sell, rent, or hold). Update estate documents. T-9 to T-6 months: Visa application. Gather documents, get FBI background check apostilled, prepare income documentation, file the visa application. (Application processing typically takes 4–5 months.) T-6 to T-3 months: Logistics. Arrange international moving company. Begin planning what to ship versus sell versus store. Open expat-friendly U.S. brokerage account if needed. Open Spanish non-resident bank account if possible. Identify Spanish housing for the first 3–6 months. T-3 months to move date: Execution. Final tax planning moves. Cancel U.S. utilities, services, insurance. Notify employer if working remotely. Confirm all Spanish appointments (NIE, padrón, visa pickup). Time the actual move date for tax efficiency — generally after July 2 in any given calendar year if circumstances permit. T-0 to T+6 months in Spain: Settling in. Register with local padrón. Apply for Tarjeta de Identidad de Extranjero (TIE). Set up Spanish utilities, internet, healthcare. Critically: file Beckham Law election within 6 months of Social Security registration if eligible. Begin Spanish tax registration with AEAT. T+12 months: First Spanish tax return. File first IRPF return for the partial year (if applicable). Review and adjust ongoing tax strategy based on actual income realized. How AIO Financial Works With Cross-Border Clients At AIO Financial, our work with Americans moving to Spain is fundamentally about reducing the cost of bad surprises. We are a fee-only fiduciary firm — meaning we receive no commissions, no kickbacks, no revenue from any product we recommend. Our clients pay us directly, and we work only for them. That structure matters especially for international moves, where the financial services industry’s commission-based incentives often push expats into expensive insurance products and PFIC-laden offshore structures that primarily benefit the salesperson. Our typical engagement with a Spain-bound client involves an initial deep planning phase eight to twelve months before the move, then transition support during the move itself, then ongoing investment management and annual planning review once settled. We coordinate with Spanish tax counsel and U.S. expat tax preparers — we don’t replace them, but we make sure all the pieces fit together. We help clients maintain compliant U.S. brokerage relationships from abroad through our institutional arrangements. We don’t claim to be everything. We’re not Spanish lawyers or accountants. We don’t handle Spanish tax filings ourselves. Spain’s gestores and Spanish tax advisors handle that side of the picture. Our role is the U.S.-side planning and the cross-border coordination — making sure the two systems work together rather than against each other for our clients. The Bottom Line Moving to Spain can be one of the best financial and lifestyle decisions an American family makes. It can also be one of the most expensive, depending on how the planning goes. The difference is rarely about how much money you have — it’s about how much advance planning you do. The tax rates aren’t usually the killer. Spain isn’t dramatically more expensive than the U.S. on income tax for most middle-income families. What costs people money is the avoidable mistakes: missing the Beckham Law deadline, holding the wrong type of investments, triggering U.S. capital gains in Spain when they could have been harvested at home, getting blindsided by Modelo 720 reporting, ending up in a high-wealth-tax region without realizing it. Almost all of these are preventable. The work to prevent them mostly happens twelve to eighteen months before the plane takes off, not after. If you’re seriously considering Spain, the time to start the financial planning conversation is now. AIO Financial is a fee-only fiduciary financial planning firm registered with the SEC, headquartered in Tucson, Arizona, and serving clients virtually across the United States and abroad. We specialize in expat financial planning, sustainable and impact investing, retirement planning, and tax-aware investment management. We earn no commissions, sell no products, and are compensated only by our clients. To discuss your situation, visit aiofinancial.com or contact us at 520-325-0769. This guide is for educational purposes only and is not legal, tax, or investment advice. Tax laws and visa rules change frequently. The figures, thresholds, and rates cited reflect our understanding as of early 2026 and are subject to change. Please consult qualified U.S. and Spanish professionals about your specific situation before making cross-border financial or relocation decisions.

If you're relying on launches, referrals, or organic hope to generate revenue… this episode will recalibrate how you think about scaling. In this strategy-focused episode of Quantum Business Queen, Sarah Tynan breaks down the exact Self-Liquidating Offer (SLO) funnel model she uses to build predictable, scalable online businesses — including real numbers, real ad spend, and real return on ad spend (ROAS). This is data-driven marketing architecture combined with energetic coherence. Because funnels don't fix misalignment — they amplify it. What You'll Learn in This Episode What a Self-Liquidating Offer (SLO) funnel actually is • Why traditional freebie funnels attract uncommitted leads • How low-ticket offers ($17 / $47) can cover your ad spend • Customer Acquisition Cost (CAC) explained simply • How front-end offers fund marketing and back-end drives profit • Real case study: $46,000 revenue in 6 weeks with $6,000 ad spend (11:1 ROAS) • How Video Sales Letters (VSLs) convert buyers into high-ticket calls • Why data eliminates guesswork in marketing • The ecosystem: email automation, podcast, Instagram, retargeting • Why energetic alignment determines funnel performance What Is a Self-Liquidating Offer (SLO) Funnel? A Self-Liquidating Offer funnel is a paid entry funnel where: The customer purchases a low-ticket offer upfront • The revenue covers or nearly covers the ad spend • The funnel effectively “pays for itself” • Backend offers generate true profit Instead of attracting freebie seekers, SLO funnels filter for buyers. This creates: Higher quality leads • Faster sales cycles • Stronger commitment • Scalable paid traffic systems In today's market, information is no longer power. Implementation and environment are. Funnel Economics Explained Example breakdown shared in this episode: $47 front-end mini course • Customer acquisition cost ≈ $47 • Ad spend covered by sales • Buyers move into VSL funnel • VSL drives high-ticket mastermind applications (~$15K offer) In one six-week window: $46,000 generated • $6,000 ad spend • 11:1 Return on Ad Spend (ROAS) This model removes reliance on unpredictable launches. Why Funnels Beat Organic Guesswork Organic marketing can build brand awareness — but it rarely provides scalable data. Funnels allow you to: Target specific demographics and geographies • Analyze click-through rates, cost per lead, and buyer behavior • Make precise pivots • Scale what works • Stop “hoping” and start engineering revenue Data creates inevitability. The Funnel Ecosystem A funnel is not just an ad and a landing page. It integrates: Email automation sequences • Video Sales Letters (VSL) • Retargeting campaigns • Podcast content • Instagram authority building By the time prospects book a call, they are warm. Conversion rates can reach ~85% when alignment and ecosystem are strong. Strategy Without Frequency Doesn't Work This episode also addresses a critical truth: No marketing strategy overrides the laws of energetic alignment. Funnels amplify what is already anchored. If identity, coherence, and internal alignment are unstable — scaling will feel inconsistent. Quantum Business Academy integrates: 3D Strategy (funnels, ads, automation) • 4D Frequency Alchemy (identity recalibration + nervous system capacity) • 5D Creation (embodied deliberate creation) Strategy creates structure. Alignment creates sustainability. Who This Episode Is For Coaches • Healers • Consultants • Service-based entrepreneurs • Experts tired of inconsistent launches • Business owners wanting predictable revenue If you want scalable marketing that doesn't require constant visibility, this episode is foundational. Ready to Build Your Own Self-Liquidating Funnel? Apply for Quantum Business Academy: https://sarahtynanquantumcoaching.as.me/alignmentcall Connect on Instagram: https://www.instagram.com/sarah.tynan.quantum.business/

2026-01-21 | UPDATES #110 | Russia is burning through its gold — is this a sign that Putin's war economy is getting desperate? The easy money is running out – from hydrocarbons, minerals, from the sovereign wealth fund and from strategic reserves. Now Putin must dig deeper to fuel his war mania and lust for conquest – appropriation of businesses, default on financial commitments to the poor and marginalised, and sell off Russia's strategic assets – such as its gold reserves. The Kremlin has started to pawn the crown jewels of its economy, and that signal not only desperation, but the beginning of the end for Putin's vicious regime. ----------SUPPORT THE CHANNEL:https://www.buymeacoffee.com/siliconcurtainhttps://www.patreon.com/siliconcurtain----------SOURCES: Reuters — oil & gas budget revenue expected to drop 46% y/y in January (Jan 19, 2026). The Moscow Times — record pace NWF sales; NWF gold down to ~173 tons by Dec 1, 2025 (Jan 16, 2026). The Moscow Times — early-year budget deficit risk; MMI warning on possible exhaustion of liquid assets (Jan 21, 2026). Reuters — central bank: NWF-linked net sales of FX and gold throughout 2025 (Nov 19, 2025 background). Reuters — central bank cuts FX sales from 2026 (Dec 26, 2025 background). Bloomberg (via secondary mirrors) — value of Russia's gold holdings up sharply since 2022 (Jan 20, 2026). Reuters — gold at/near records; context on the gold rally (Jan 20, 2026). Atlantic Council — analysis on militarization and NWF depletion as a “lost buffer” forcing trade-offs (Dec 12, 2025 background). ----------SILICON CURTAIN LIVE EVENTS - FUNDRAISER CAMPAIGN Events in 2025 - Advocacy for a Ukrainian victory with Silicon Curtainhttps://buymeacoffee.com/siliconcurtain/extrasOur events of the first half of the year in Lviv, Kyiv and Odesa were a huge success. Now we need to maintain this momentum, and change the tide towards a Ukrainian victory. The Silicon Curtain Roadshow is an ambitious campaign to run a minimum of 12 events in 2025, and potentially many more. Any support you can provide for the fundraising campaign would be gratefully appreciated. https://buymeacoffee.com/siliconcurtain/extras----------

In the latest episode of “Tax Stuff You Should Know,” hosts Bob Pluth and Gene Magidenko unpack the income tax consequences of partnership liquidations and related traps for the unwary. They demystify the treatment of hot assets, the mixing-bowl rules, and special rules that apply to the distribution of cash and marketable securities — common traps that can convert what looks like a simple wind‑down into a surprising tax bill for one or more of the partners. Key Takeaways - Partnership liquidations frequently arise in family‑owned and closely held contexts. - Liquidating distributions generally are tax-free to the partnership and to partners, except if there are “hot assets” or if a partner receives cash and marketable securities exceeding basis. - Mixing‑bowl rules can adversely impact distributions of property that had originally been contributed to the partnership within the preceding seven years. - Disproportionate distributions can create unexpected tax liabilities. - Understanding the contribution and operational history of a partnership is essential for accurate analysis.

Send us a textLooking back can be painful, especially if you've made a bad decision. This two year look back explores whether staying invested in stocks or selling and moving to the sidelines was the best decision two years ago.If you'd like to be a part of a free online retirement community, join us on Facebook: https://www.facebook.com/groups/399117455706255/?ref=share

In this episode, salon owner and color specialist Kimberly Christoph shares her 22-year journey from behind the chair to opening her own salon (Mane Street Georgetown) in DC. She speaks honestly about financial risk, long-term planning, continuous education, and how building with purpose shaped the kind of salon, culture, and experience she wanted to create.Follow/subscribe to be the first to know when new episodes are released. Like what you hear? Leave us a review!Key Takeaways:

Last week, Sam wrote a post about how much value the Thunder could receive if they traded all their best players. So we went through the trades he proposed to see how many first-round picks' worth of value they could possibly get.Link to Sam's post: https://www.cbssports.com/nba/news/thunder-dynasty-trade-first-round-draft-picks-gilgeous-alexander-williams-holmgren/0:00 Intro7:49 Going through the exerciseYou can follow Yossi on:Twitter: https://twitter.com/YossiGozlanBlueSky: https://bsky.app/profile/yossigozlan.bsky.socialSalary cap sheets: www.capsheets.comYou can follow Sam on:Twitter: https://twitter.com/SamQuinnCBSThird Apron is available on all podcast providers. Please subscribe, rate, and share if you enjoyed this: https://linktr.ee/yossigozlanYou can also access Yossi's salary cap analysis on his Substack. Subscribe for $7 per month or $50 annually! Third Apron: https://thirdapron.com

Parade of Techniques: 1. Do the assignments from Business Breakthrough WITH your team 2. How to hold a self-liquidating Client Appreciation Event Ask The Experts: 1. My #1 goal is to handle the co-broke's client calling me, and decide whether to add the to my contacts list. 2. A family member wants to join my team. What should I do to get them started on the right track without detracting from my production? *** Life-Changing Learning Experiences for Real Estate Professionals floydwickman.com info@floydwickman.com (734) 637-4030 MINI-COURSE AVAILABLE: Break the Script: A Listing Bootcamp that Gets Results www.floydwickman.com/break-the-script We teach real estate agents essential selling skills to be successful in any market. Start today with the Digital Floyd Wickman Course: www.floydwickman.com/digital-floyd-wickman-course Or try our signature coaching program for real estate agents or managers called R Squared. In addition to problem-solving and skill building, our clients get accountability and tracking -- to build and then keep their momentum.

Your self-liquidating offer isn't broken—it's just missing a key step. I walk you through why most $27 low-ticket funnels fail to pay for themselves and how a tripwire can bridge the gap.  ‍‍ ‍‍Cut your lead gen costs in HALF with my $37 mini-course–NOW only $17!Visit The Art of Online Business website for Facebook Ads helpLearn to create Tripwire offers that Turn Leads Into Paying Customers Right Away‍‍ ‍‍I share what makes a tripwire work, how it reduces your ad costs, and why alignment between your main offer, order bump, and upsell matters more than you think. Learn the smarter path to making your ads profitable without gambling your whole budget on an SLO that isn't ready yet.‍‍ ‍‍ ‍‍‍‍ ‍‍ ‍‍‍‍ ‍‍ ‍‍‍‍Watch this episode on YouTube!‍‍ ‍‍ ‍‍Please click here to give an honest Rating/Review for the show on iTunes! Thanks for your support!‍‍ ‍‍ ‍‍Kwadwo [QUĀY.jo] Sampany-Kessie's Links:Get 1:1 Meta Ads Coaching from Kwadwo!Say hi to Kwadwo on InstagramSubscribe to The Art of Online Business's YouTube Channel

Before hosting Funnel Hacking Live and leading his own group of Mastermind students, Russell Brunson was making big waves at Dan Kennedy's Super Conferences and across the entrepreneurial landscape as the kid with genius strategies for marketing and selling online. In the final installment of this THREE-part episode, Russell reveals his 5 tried and proven strategies for directing traffic online to your sales funnels. If you're not using all five, you're missing out on massive opportunities for insane growth! Be sure to listen to parts one and two first before diving into part three! MagneticMarketing.com NoBSLetter.com

You may know Russell Brunson today as the fast-talking, Secrets-spilling co-founder of ClickFunnels, but years before all that success, "Young Russell Brunson" was well known in the entrepreneurial world for something else... In part two of the THREE-part episode, Russell Brunson provides step-by-step instructions for building high-converting lead generation pages online, as well as crafting a self-liquidating offer that allows you to grow and scale your business faster than ever before. (Make sure to take plenty of notes on his "RSSSDLF" sales process as too!) And come back next week for part three! MagneticMarketing.com NoBSLetter.com

Long before ClickFunnels was founded, "Young Russell Brunson" was taking the entrepreneurial world by storm, teaching both single moms new to business and Dan Kennedy's elite students the secrets to finding their dream customers, building irresistible offers and making a ton of money very quickly. In part one of the THREE-part episode, Russell Brunson covers a few key areas of his vast expertise: Lead generation strategy and the three types of funnels you MUST have if you want your business to thrive online. Come back next week for part two (and part three the week after that!) MagneticMarketing.com NoBSLetter.com

#338 This episode of Millionaire University features an interview with Tain Nix, an adventurer, licensed medical professional, professional copywriter, investor, and businessman. Tain joins the show today to share his "Funnel Flywheel" concept, explaining what exactly that is and how it works in every successful business. He discusses the importance of your front end offers and how they should always lead to your killer back-end offers that power the funnel flywheel. Once a flywheel is in place, it's going to be hard to stop making money! (Original Air Date - 2/19/24) What we discuss with Tain: + His story and background + What is a Flywheel? + "Front-end" offers + "Back-end" offers + Liquidating ad spend + Examples of a front-end offer that makes people want to buy the back-end offer + What you can do to delight buyers with the front-end offer and make them crave the back-end offer Links and resources from this episode: Pivotprotocol.com Front end offer Thank you, Tain! To connect with Tain - Shoot him an email at barefootmarketingllc@gmail.com For more information go to MillionaireUniversity.com To get access to our FREE Business Training course go to MillionaireUniversity.com/training. And follow us on: Instagram Facebook Tik Tok Youtube Twitter To get exclusive offers mentioned in this episode and to support the show, visit millionaireuniversity.com/sponsors. Want to hear from more incredible entrepreneurs? Check out all of our interviews here! Learn more about your ad choices. Visit megaphone.fm/adchoices

Send us a textWhat if you could turn your ad expenses into an investment that not only builds your email list but also attracts real customers ready to engage with your products?Join me, Gary Redmond, as we tackle the challenges of high ad costs and the pitfalls of attracting freebie seekers. Discover our ultimate strategy: integrating self-liquidating offers into your funnel to offset costs and ensure your list is filled with buyers, not just browsers.We'll explore how offering a valuable lead magnet paired with a strategic upsell, like a recorded workshop, can transform your email list into a profitable asset.• Understanding the limitations of organic and paid advertisement methods • The significance of converting leads into paying customers • Key components of a self-liquidating offer model • Attracting committed customers rather than freebie seekers • The importance of effective pricing strategies in driving impulse purchases • Implementing a mix of paid and organic traffic for successful funnels • Building a self-sustaining growth cycle for your email list Learn how crafting a complementary product, such as a detailed PDF guide or a recorded training session, can create a sustainable growth path for your email list. Test the waters with low-ticket offers ranging from $7 to $97, gauging your market's readiness to invest in additional value while covering your advertising spend.This approach doesn't just grow your list; it strategically positions you for long-term success by ensuring that every new subscriber is a potential customer. Tune in and revolutionize the way you think about list building and online business expansion.If you found this valuable, please reach out at gary@garyredmond.net! Please suggest any topic you would like me to cover by visiting unboxtheinbox.com Join my newsletter at garyredmond.com/newsletter

In the first Q&A for 2025, hosts Sammy Gordon and Jimmy Ibrahim tackle a diverse range of listener questions, offering practical insights and strategies for property investors at all stages. They explore how to build a cash-flow-neutral portfolio before embarking on extended travel, the impact of unused pre-approvals on credit scores, and how buyer's agent fees work within SMSFs.   The duo also weighs the potential of an $800k investment across shares and property, discusses setting realistic passive income goals, and addresses when to sell underperforming properties. Plus, they dive into personal topics like career transitions, equity strategies, Sammy's retirement plans, and even his diet! Whether you're a seasoned investor or just starting, this episode is packed with actionable advice and plenty of laughs. School of Property is the ultimate education destination to master property investment, with a curriculum meticulously designed and crafted with both beginners and experts in mind. Whether you are a complete novice, or you're ready to take things to the next level in your portfolio, this is the program for you! To find out more, head to www.schoolofproperty.com.au. If you loved this episode please send it on to someone who would take some value, and please give us a 5 star review if you haven't yet and are loving the poddy! If you want your question answered on our podcast DM us on our socials or email us at apsteam@australianpropertyscout.com.au Send us your questions to: Instagram: @australianpropertyscout Want to book a call with us: Website: https://australianpropertyscout.com.au Any information, comments, opinions or content that we provide in this podcast is our general observations and information only and it is not to be taken as, or in any way, considered to be financial advice, accounting advice, superannuation advice or legal advice. We strongly recommend all and any listener and participant to obtain their own independent financial advice, accounting advice, superannuation advice and legal advice before acting in any way in relation to any investment at all including any investment in property such as what we might be discussing in this podcast. No warranty, guarantee or representation is to be taken and you cannot reproduce it in any way. Every persons financial or investment situation is different and you must consider your own circumstances before undertaking any investment and be sure to obtain independent advice. Australian Property Scout Pty Ltd | License Number: 10094798 | ABN: 64 638 266 369 Chapters: (00:00) Welcome (3:27) Q1: Building cash-flow neutral portfolio before travelling (10:09) Q2: Does unused pre-approvals effect your credit score? (11:09) Q3: How do BA fees work in SMSF? (13:44) Q4: Shares vs Property Investment: what can liquidating a $800k share portfolio achieve in property? (19:06) Q5: How do you set a passive income goal? (20:50) Q6: When should you sell a dud property? (23:42) Q7: Career change before or after building property portfolio (29:44) Q8: When should you pull equity from a new purchase? (32:51) Q9: When will Sammy retire? (35:46) Q10: Sammy's diet

In the first Q&A for 2025, hosts Sammy Gordon and Jimmy Ibrahim tackle a diverse range of listener questions, offering practical insights and strategies for property investors at all stages. They explore how to build a cash-flow-neutral portfolio before embarking on extended travel, the impact of unused pre-approvals on credit scores, and how buyer's agent fees work within SMSFs.   The duo also weighs the potential of an $800k investment across shares and property, discusses setting realistic passive income goals, and addresses when to sell underperforming properties. Plus, they dive into personal topics like career transitions, equity strategies, Sammy's retirement plans, and even his diet! Whether you're a seasoned investor or just starting, this episode is packed with actionable advice and plenty of laughs. School of Property is the ultimate education destination to master property investment, with a curriculum meticulously designed and crafted with both beginners and experts in mind. Whether you are a complete novice, or you're ready to take things to the next level in your portfolio, this is the program for you! To find out more, head to www.schoolofproperty.com.au. If you loved this episode please send it on to someone who would take some value, and please give us a 5 star review if you haven't yet and are loving the poddy! If you want your question answered on our podcast DM us on our socials or email us at apsteam@australianpropertyscout.com.au Send us your questions to: Instagram: @australianpropertyscout Want to book a call with us: Website: https://australianpropertyscout.com.au Any information, comments, opinions or content that we provide in this podcast is our general observations and information only and it is not to be taken as, or in any way, considered to be financial advice, accounting advice, superannuation advice or legal advice. We strongly recommend all and any listener and participant to obtain their own independent financial advice, accounting advice, superannuation advice and legal advice before acting in any way in relation to any investment at all including any investment in property such as what we might be discussing in this podcast. No warranty, guarantee or representation is to be taken and you cannot reproduce it in any way. Every persons financial or investment situation is different and you must consider your own circumstances before undertaking any investment and be sure to obtain independent advice. Australian Property Scout Pty Ltd | License Number: 10094798 | ABN: 64 638 266 369 Chapters: (00:00) Welcome (3:27) Q1: Building cash-flow neutral portfolio before travelling (10:09) Q2: Does unused pre-approvals effect your credit score? (11:09) Q3: How do BA fees work in SMSF? (13:44) Q4: Shares vs Property Investment: what can liquidating a $800k share portfolio achieve in property? (19:06) Q5: How do you set a passive income goal? (20:50) Q6: When should you sell a dud property? (23:42) Q7: Career change before or after building property portfolio (29:44) Q8: When should you pull equity from a new purchase? (32:51) Q9: When will Sammy retire? (35:46) Q10: Sammy's diet

Once hailed as Britain's most successful fund manager, Neil Woodford opens up about the controversial collapse of his investment empire and the events that rocked the financial world. He reveals the untold truth behind the headlines, addressing the accusations, the challenges, and the lessons learnt. Was he the villain the media painted him to be - or a victim of a flawed system? This is the story no one has heard before, straight from the man himself. Tune in for a raw and revealing conversation that will change the way you see one of Britain's biggest financial controversies. 00:03:48 Neil's journey and rise to success as a fund manager 00:08:45 Unpacking what went wrong 00:16:58 Neil's emotions during that time 00:24:05 Insights into the role of regulators 00:27:30 A timeline of the fund suspension 00:43:14 Liquidating the portfolio 00:49:27 The FCA's response and its implications 00:53:45 Neil's emotional well-being 00:56:44 The compensation investors received 01:02:03 Why Neil believes he was targeted by the media 01:07:47 The latest on Neil's ongoing interactions with the FCA 01:10:37 Neil's message to those following his story 01:23:15 Neil shares his perspectives on the current economy Show Sponsor: Allsopp & Allsopp: Redefining real estate, through cutting-edge technology and setting new standards for seamless, elevated customer experience. Keep moving with Allsopp & Allsopp.https://bit.ly/Allsopp-and-Allsopp Follow Spencer Lodge on Social Media:https://www.instagram.com/spencer.lodge/?hl=en https://www.tiktok.com/@spencer.lodge https://www.linkedin.com/in/spencerlodge/ https://www.youtube.com/c/SpencerLodgeTV https://www.facebook.com/spencerlodgeofficial/ 

Are you sitting on extra inventory as we near the end of the year? For most of you, sales are strong right now. You're filling holiday orders and managing all that comes with this busy season. But as the end of the year draws near, it's time to liquidate leftover stock.  Why is liquidating inventory important?  Liquidating inventory frees up your cash flow, opens up room on your shelves, reduces taxable assets, and prepares you for a fresh start.  In this episode, I'm sharing 4 strategies to liquidate products. Don't sit on unnecessary inventory. Liquidate it before the end of the year and avoid dragging old stock into the new year.   1 - Flash Sales  Flash sales are quick, time-sensitive sales. They're also one of the best ways to move product FAST. Create urgency, scarcity, and excitement!  2 - Bundle Older Products  We've been talking about product bundles for all of Q4. Continue selling these through the holidays and to the end of the year – they hold a lot of value and make great gifts.  3 - Offer Mystery Boxes You and your customers will have so much fun with this one! After all, who doesn't love a good surprise? Mystery Boxes are more than just fun; they're also an effective way to clear inventory.  4 - Social Media Sales Events  Put social media to work for you! Social media is your best friend when it comes to liquidating inventory quickly. Use it to host a sales event.  Of course, you can't just plan these events. You need to market them, too. Each event needs its own marketing campaign in order to be effective.  Join me for this episode where I share 4 ways you can liquidate inventory before year-end. Let's turn your inventory into cash and clear space for growth!  Subscribe to the podcast on your favorite podcast platform and leave a 5-star rating and a review! Join me in all the places:  Facebook Instagram Launch Your Box with Sarah Website  Are you ready for Launch Your Box? Our complete training program walks you step by step through how to start, launch, and grow your subscription box business. Join the waitlist today!

The boys are cheesing this week as they talk potluck etiquette, tiny pops and a cheese heist. Rate Us ⭐⭐⭐⭐⭐ on Apple Podcasts! Connect With The Show:  Follow Us On Instagram  Follow Us On Twitter  Follow Us On TikTok  Visit Us On The Web    

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Pre-Loved Podcast is a weekly vintage fashion interview show, with guests you'll want to go thrifting with! For more Pre-Loved Podcast, subscribe to our Patreon! On today's show, we're chatting with Lisa Graystone of Evolution Vintage. Lisa is a sustainable wardrobe stylist and vintage dealer, and since 2018 she has been the curator of the 55,000 Dresses Collection. Dress collector, Paul Brockmann, accumulated this one-of-a-kind, award-winning collection, which Lisa is helping to curate and liquidate – finding every single dress in the collection a new home. This story is one of a kind  – let's dive right into it! DISCUSSED IN THE EPISODE: [2:19] Lisa loved watching fashion shows and exploring Vogue spreads as a child. [6:14] Lisa has been a vintage dealer and sustainable wardrobe stylist for over fifteen years [11:26] The unlock of styling in sustainability [15:52] Meet the one-of-a-kind 55,000 dress collection! [20:01] Lisa takes over the process of liquidating the collection in 2018 [28:56] The experience of the dress pop-ups – an ultimate dress-up closet! [33:55] The crown jewels of the collection [37:38] The cyclical nature of vintage [43:39] Vintage collectors and dealers need to check out this sale! EPISODE MENTIONS:  Lisa Graystone 55,000 Dress Collection Evolution Vintage  LET'S CONNECT: 

Ever wonder if you can run ads without draining your budget? Hesitant to invest in marketing because of the costs? What if there was a way to make your ads practically pay for themselves?In today's episode, Omar introduces the concept of self-liquidating offers—a strategy that helps you recoup your ad spend quickly. Omar walks you through how to set up these offers step by step. Learn how to craft compelling ads, create high-converting opt-in pages, and use one-time offers to cover your ad costs while generating leads. Drawing from his experiences with The $100 MBA and WebinarNinja, Omar provides real-world examples and actionable insights to help you master this strategy.Don't miss this episode! Tap play at the top of the page and start turning your ad spend into a self-sustaining engine for leads and sales.SUBSCRIBEYouTube | Apple Podcast | Spotify | Podcast Feed

Ever wonder if you can run ads without draining your budget? Hesitant to invest in marketing because of the costs? What if there was a way to make your ads practically pay for themselves? In today's episode, Omar introduces the concept of self-liquidating offers—a strategy that helps you recoup your ad spend quickly. Omar walks […] The post MBA2526 How To Run Ads For Free with Self-liquidating Offers appeared first on The $100 MBA.

In this episode, former FBI agent Ren McEachern breaks down financial crime and fraud in the digital age. We cover how criminals use different monetary tools for money laundering, whether the FBI can reverse wire transfers, and their work on the dark web. Ren explains asset seizures, including high-value items like yachts, and the unique challenges of seizing and liquidating bitcoin. We also discuss the FBI's evolving stance on bitcoin, tracing crypto transactions, and using off-chain data to prevent fraud. Lastly, we tackle the potentially fraudulent NFT market, and Ren shares what he sees as the biggest risk to bitcoin today.SUPPORT THE PODCAST:→ Subscribe→ Leave a review→ Share the show with your friends and family→ Send us an email podcast@unchained.comTIMESTAMPS:01:30 Introduction and Background06:00 Most common monetary tool used in money laundering?09:08 Can the FBI reverse wire transfers?12:48 FBI and the dark web15:12 Brazil banning X.com17:15 Seizing assets and chasing yachts21:55 Liquidating seized assets and yachts24:00 The difficulty of seizing bitcoin29:00 Government seizure of bitcoin and liquidation37:00 Trump's strategic bitcoin stockpile40:00 The FBI's perspective on bitcoin50:10 Future of fraud with bitcoin and crypto?01:01:25 Is the NFT market just money laundering?01:04:30 Most commonly used crypto for fraud?01:08:13 Biggest risk to bitcoin?WHERE TO FOLLOW US:→ Unchained Twitter: https://twitter.com/unchainedcom→ Unchained LinkedIn: https://www.linkedin.com/company/unchainedcom → Unchained Newsletter: https://unchained.com/newsletter → Joe Burnett's Twitter: https://twitter.com/IIICapital→ Ren McEachern's LinkedIn: https://www.linkedin.com/in/george-ren-mceachern

Consumers finances look to be recovering, but the relief has yet to pass on to businesses.  The Centrix July Credit Indicator says arrears are easing slightly, with the cost of living also coming down.   It shows 465,000 New Zealanders are behind on their payments, down 9,000 month-on-month.   However, retail energy arrears rose 30% because of the winter months and the ongoing cost-of-living crisis.   Centrix's Managing Director Keith McLaughlin told Mike Hosking that the downwards trend in arrears indicates that households are getting back in control of their budgets and managing their money a lot better.  Meanwhile, businesses are doing it tough, with company liquidations up 20% in 12 months.  However, McLaughlin said, that's not taking into account the hidden damage to businesses, in which around 50,000 businesses in the last month have just closed the door and walked away.  LISTEN ABOVE See omnystudio.com/listener for privacy information.

Send us a Text Message.That's right: Paid ads that immediately bring in more money than they cost you to run, which makes them free. Or, in the digital marketing world, what's known as a self-liquidating offer funnel.This Part 2 episode is the tactical "how to actually do it" based on an experiment I did in 2020 that I'm bringing back for 2024...And there's a real gem at the end you won't want to miss if you want to create a self-liquidating offer funnel for your business this year, too.We go deep on:The Theory from 2020 when I initially debuted this "free" ads strategyThe Initial ExperimentThe Shocking Results How I'm repeating it this year (and how you could, too)Enjoy!Connect with Andrea Nordling:

Was the assassination an inside job? They are not seeking unity, they want victory. We may want peace but now is not the time. Representative Derrick Van Oren reacts to the assassination attempt of Trump and what it's like to be shot.See omnystudio.com/listener for privacy information.

Ever wondered how some entrepreneurs effortlessly navigate the world of ads and organic content, turning clicks into cash flow?In the latest podcast episode, we dive deep into the realm of self-liquidating ads and and the strategies that work, vs the strategies that don't with a special guest.From cracking the algorithm codes to decoding the nuances of various social media platforms, we uncover the real-deal insights that can transform your online presence and bottom line.If you're ready to take your business to new heights and uncover the secrets behind successful ad strategies and organic growth, then this episode is an absolute must-listen.Tune in now and get ready to revolutionize your approach to online marketing.

Steve Albini, musician, engineer and producer of some of the most memorable records of the 90s up through today. His ears and musical sensibilities were stellar and his wit and attitude made him appreciated and revered by most. RIP Steve Albini. Topic Include: Steve doesn't consider himself an audiophile Steve's turntable and home audio system Taking care of records Favourite record shops Liquidating his record collection Discovering the Stooges & Ramones in Montana Entering the punk scene of Chicago Big Black “Lungs” items and inserts Experimenting and making each record unique Quantities, repressings and collectability The Mentally Ill's “Gacy's Place” single Reverse shoplifting at a record store Collecting consignment money “Do you know what a hooker DOESN'T want to do on her night off?” Seeing bands, taking care of ears and hearing Still hearing most detail but aware of decline Never comfortable delegating critical tasks How does Steve protect his hearing? Shifting from “Engineer Steve” to “Creative Musician Steve” Balancing priorities, studio bookings and personal music What's the best rumour you've ever heard about yourself? Who is a band you haven't worked with that you'd like to? Working with The Stooges Slint spills tea across the recording console Interview wrap up Support our podcast at: www.Patreon.com/VinylGuide Listen & Follow on Apple: https://apple.co/2Y6ORU0 Listen & Follow on Spotify: https://spoti.fi/36qhlc8

Episode 44: It's no secret that typical “VSL to Book-a-Call” Funnels are currently suffering from high ad costs and low show rates.Outrageous promises and too-good-to-be-true guarantees have taken a good concept and made the target audience so skeptical of them, that the ROI is almost impossible to realize right now.So, what's the next strategy you should be pivoting to that will generate quality leads that actually show up for their appointments?In this episode, Brook Bishop explains how he's been using low-ticket, self-liquidating-offers (SLO) to generate buyer-leads at ZERO ad cost, which lead to a 30% close rate on his high-ticket offers.He takes us step-by-step through his funnel steps, his follow-up and nurture process, and also takes us inside the ad and funnel metrics you need to hit in order to make the whole process as profitable as possible.About Brook Bishop: Brook has over 20 years of experience in Personal Development, encompassing Business Consulting, Coaching, and Event Management.He's collaborated with industry titans like Tony Robbins, and led sales at Buffini and Company.Brook has empowered 50,000+ clients globally, innovating in coaching and corporate training.A self-described "Rogue-Maverick," his personal life reflects a commitment to unconventional living, from extreme fitness regimes to "Passionate Parenting" with his wife Rain and their three children, emphasizing learning through adventure and cultural immersion.Brook is also deeply committed to charitable work, supporting organizations like Greeley House and Operation Underground Railroad, as well as teaching martial arts to inspire future leaders.Grab Brook's “Life & Business Coach Toolkit”: https://www.empirepartners.io/toolkit/Connect with Brook: Facebook - https://www.facebook.com/brookthebishop Instagram - https://www.instagram.com/brookthebishop1/ Linkedin - https://www.linkedin.com/in/brookbishop/Want to learn more about how to build a successful online business from the ground up? Grab your FREE copy of our online course, "Zero to $20k Blueprint" where you'll learn how to build a simple, scalable online marketing system that will quickly generate paying customers & clients for your online business.Get it NOW, by visiting our website at https://DigitalTrailblazer.com✅ Connect With Us:Website - https://DigitalTrailblazer.comFacebook - https://www.facebook.com/digitaltrailblazer/TikTok: https://www.tiktok.com/@digitaltrailblazerTwitter: https://twitter.com/DgtlTrailblazerInstagram: https://www.instagram.com/DigitalTrailblazer

This episode I discuss my plan to liquidate all my baseball and reinvest the money into football. S4E26

This is a replay of episode 96 with Damian Mander, originally aired on August 11, 2021. Prepare to be riveted by the extraordinary saga of Damien Mander, a former military sniper turned vegan anti-poaching crusader, as he shares the intimate details of his harrowing journey from the battlefield to the front lines of wildlife conservation. Damien's raw account of grappling with the aftermath of military life, his descent into substance abuse, and the profound epiphany that led him to Africa reveals a man reborn with a fierce determination to defend the voiceless. Our conversation traverses the emotional landscape of his transformation, a stirring testament to the power of second chances and the indomitable human spirit to affect real, tangible change in the world. This episode is an evocative expedition into the heart of conservation, where Damien has dismantled the status quo by championing women's empowerment through the groundbreaking Akashinga program. Venture behind the scenes of the International Anti-Poaching Foundation (IAPF) with us, as we explore how this visionary initiative is reshaping the narrative of environmental stewardship. Discover how placing women at the helm is not only revolutionizing the field of conservation but also knitting together the fabric of local communities by weaving gender equality, job creation, and sustainable development into a cohesive strategy for lasting impact. Guest Bio: Australian-born Damien is an Iraq war veteran who served as a Naval clearance diver and Special Operations sniper for Australia. In 2009 while traveling through Africa, he was inspired by the work of rangers and the plight of wildlife. Liquidating his life savings, the International Anti-Poaching Foundation (IAPF) was established to be the last line of defense for nature. Over the past decade, the IAPF has scaled to train and support rangers which now help protect over 20 million acres of the African wilderness. In 2017 Damien founded ‘Akashinga - Nature Protected by Women', an IAPF program that has already grown to over 240 employees with 8 nature reserves in the portfolio. They are the only group of nature reserves in the world to be protected by women. Their goal is to employ 1000 women by 2026, protecting a network of 20 nature reserves. He is the winner of the 2019 Winsome Constance Kindness Gold Medal, a prestigious international recognition for services to animals and humans. Past recipients include Sir David Attenborough and Dr. Jane Goodall. He was featured in The Game Changers by Academy Award-winning director James Cameron and has now released another documentary with Cameron and National Geographic about his work with the women of Akashinga. He is a resident speaker for National Geographic and was featured in their magazine in 2019, has spoken at the United Nations, appeared three times on 60 Minutes, and was recognized by the Dutch Government as a Gender Champion. To hear bonus footage with Damian & Carly check out Patreon!  Thanks for listening to another episode. Follow, review, and share to help Consciously Clueless grow! Work with me. Join the conscious community on Patreon. Instagram | Facebook | LinkedIn | Youtube | Tiktok Music by Matthew Baxley

The Funnel Flywheel with Tain Nix   This episode of Millionaire University features an interview with Tain Nix, an adventurer, licensed medical professional, professional copywriter, investor, and businessman. Tain joins the show today to share his "Funnel Flywheel" concept, explaining what exactly that is and how it works in every successful business. He discusses the importance of your front end offers and how they should always lead to your killer back-end offers that power the funnel flywheel. Once a flywheel is in place, it's going to be hard to stop making money!   What we discuss with Tain Nix:   + His story and background + What is a Flywheel? + "Front-end" offers + "Back-end" offers + Liquidating ad spend + Examples of a front-end offer that makes people want to buy the back-end offer + What you can do to delight buyers with the front-end offer and make them crave the back-end offer   Examples Tain mentions: Pivotprotocol.com Front end offer   Ready to build your own million-dollar business? Grab our free training >>>HERE!   Thank you, Tain!   To connect with Tain - Shoot him an email at barefootmarketingllc@gmail.com   And if you want us to answer your business questions on an upcoming episode, drop us a line at support@millioinaireuniversity.com.   Did you check out our episode with Jeff Sieh? Jeff will teach you some massive time-saving hacks when it comes to your content. Make sure to check out his episode How To Repurpose Content and Get More Done in Less Time.   Like the show? It would mean the world to us if you left us a review here — even one sentence helps! Feel free to include your Twitter handle so we can thank you personally!

The Funnel Flywheel with Tain Nix This episode of Millionaire University features an interview with Tain Nix, an adventurer, licensed medical professional, professional copywriter, investor, and businessman. Tain joins the show today to share his "Funnel Flywheel" concept, explaining what exactly that is and how it works in every successful business. He discusses the importance of your front end offers and how they should always lead to your killer back-end offers that power the funnel flywheel. Once a flywheel is in place, it's going to be hard to stop making money! What we discuss with Tain Nix: + His story and background + What is a Flywheel? + "Front-end" offers + "Back-end" offers + Liquidating ad spend + Examples of a front-end offer that makes people want to buy the back-end offer + What you can do to delight buyers with the front-end offer and make them crave the back-end offer Examples Tain mentions: Pivotprotocol.com Front end offer Ready to build your own million-dollar business? Grab our free training >>>HERE! Thank you, Tain! To connect with Tain - Shoot him an email at barefootmarketingllc@gmail.com And if you want us to answer your business questions on an upcoming episode, drop us a line at support@millioinaireuniversity.com. Did you check out our episode with Jeff Sieh? Jeff will teach you some massive time-saving hacks when it comes to your content. Make sure to check out his episode How To Repurpose Content and Get More Done in Less Time. Like the show? It would mean the world to us if you left us a review here — even one sentence helps! Feel free to include your Twitter handle so we can thank you personally! Learn more about your ad choices. Visit megaphone.fm/adchoices

video interview https://youtu.be/Pqx8ZlgeoCo Dive into the fascinating world of cryptocurrencies, biotech innovation, and space exploration with Dane and Lowell. From navigating the complexities of crypto investments to discussing groundbreaking aging research funded by organizations like the Methuselah Foundation, the conversation explores the competitive biotech industry, the power of empathy in leadership, and the challenges of providing food for long-duration space missions. Join them as they unravel the stories behind startups, discuss the future of food technology, and share insights on the intersection of science, culture, and personal happiness. PODCAST INFO: The Learning With Lowell show is a series for the everyday mammal. In this show we'll learn about leadership, science, and people building their change into the world. The goal is to dig deeply into people who most of us wouldn't normally ever get to hear. The Host of the show – Lowell Thompson- is a lifelong autodidact, serial problem solver, and founder of startups. LINKS Spotify: https://open.spotify.com/show/66eFLHQclKe5p3bMXsCTRH RSS: https://www.learningwithlowell.com/feed/podcast/ Youtube: https://www.youtube.com/channel/UCzri06unR-lMXbl6sqWP_-Q Youtube clips: https://www.youtube.com/channel/UC-B5x371AzTGgK-_q3U_KfA Website: https://www.learningwithlowell.com Dane Gobel Links https://www.mfoundation.org/ https://www.agingconsortium.org/ https://www.longevityprize.com/ https://www.nasa.gov/prizes-challenges-and-crowdsourcing/centennial-challenges/deep-space-food-challenge https://www.linkedin.com/in/danegobel https://www.linkedin.com/company/wesheepcanfly/ Timestamps / chapters 00:00 Start 02:00 Dogelon mars Methuselah Foundation story 07:15 Cracking 1 billion 08:15 Liquidating crypto / difficulties with crypto donations 10:45 Projects funded by dogelon mars / tissue chips and aging 17:25 Methuselah Foundation / SENS the new bell labs / biomarking of aging consortium 21:00 Navigating deals / understanding people / not working with assholes  26:30 Sheperading projects through full lifespan / origin story of SENS and aubrey de grey 29:22 Crafting challenges for innovation change  35:55 Finding rate limiters in innovation  38:40 Empathy as a superpower / Dane Gobel younger years 41:40 Getting the best from people  43:33 Steve Jobs 46:11 Leadership / aligning interests  48:30 Dane Gobel holistic thinking  51:10 Startups / research that Methuselah Foundation has funded 54:54 Matrix / Mitrix bio / Repair bio / leucadia therapeutics / organovo / others 01:02:40 Michael Levin / bioelectricity  01:05:55 Deep Space Food Challenge 01:12:55 Different food companies  01:14:50 Bioavailability of food 01:16:10 Providing needed protein / nutrients  01:18:30 Bio Absorption in alt protein   01:19:30 Comment section correcting us for science! 01:19:55 Cooking as a cultural aspect in space / user experience 01:21:10 Crockpots hate/love 01:23:00 Favorite go to food 01:24:50 BLT / Tomato soup / Grilled cheese / salt on tomato  01:25:35 Tomato absorption 01:26:00 Happiest in life 01:26:30 AI systems for better communication / happiest  01:32:20 Problem he needs help with / biomarking aging consortium challenge 

Jennie Walker, owner of The Jenine Walker Archive, specializing in rare vintage, talks about ways to liquidate unsold inventory and shares the pros and cons.    

Dive into the entrepreneurial journey with Jason Hendricks, the visionary CEO of TIED Luxury Transportation, on this episode of COSIGN Conversations. Jason reveals the bold steps he took, including liquidating assets and winning pitch competitions, to purchase his first Mercedes Benz sprinter van outright. Join us as he shares the remarkable growth story of TIED, expanding from one van to a fleet of six in just two years. Learn the secrets behind acquiring 500 customers in the first year and discover Jason's unique approach to utilizing customer feedback as a catalyst for TIED's continuous expansion. Tune in for insights into entrepreneurship, success, and the art of building a luxurious legacy in the transportation industry. Follow TIED on Instagram at: www.instagram.com/tiedfw Follow COSIGN on Instagram at: www.instagram.com/cosignmag Follow Kitchen + Kocktails on Instagram at: www.instagram.com/kitchenkocktailsusa Visit: www.cosignmag.com --- Support this podcast: https://podcasters.spotify.com/pod/show/cosignmag/support

Liquidating $300bn in frozen Russian assets, could provide more funds for Ukraine. Western allies are running short of cash, but they could help release billions and hurt Putin's war effort at the same time. Confiscation would also be a lawful act of self-defence. Article 51 of the UN charter recognises the right of individual or collective self-defence if an armed attack occurs against a UN member. Russia's aggression has an obvious economic impact on Ukraine via attacks on such things as energy, exports, civil infrastructure and economic facilities. In 2022, Ukraine's GDP decreased by 29.1%. In order to continue defending itself, Ukraine should be able to access frozen Russian assets to correct this imbalance caused by the Russian invasion. Guardian article: https://www.theguardian.com/world/commentisfree/2023/dec/11/ukraine-russia-300bn-frozen-assets-west-cash-putin-war ---------- ABOUT: Olena Halushka is a is a board member of the Ukrainian NGO “Anti-corruption Action Centre”, and co-founder of the International Centre for Ukrainian Victory. She has also worked as a chief of international advocacy at the post-Maidan coalition of 80 CSOs “Reanimation Package of Reforms”. Olena is a contributor to the Atlantic Council, Kyiv Independent. She has also written op-eds for the Washington Post, the Foreign Policy, and the EU Observer – but it's a major article she wrote for the UK's Guardian newspaper that we'll be discussing today. ---------- LINKS: https://twitter.com/OlenaHalushka https://twitter.com/AntAC_ua https://twitter.com/ICUVua https://www.linkedin.com/in/olena-halushka-b7342259/?originalSubdomain=ua https://ukrainianvictory.org/experts/olena-halushka/ https://www.fpri.org/contributor/olena-halushka/ https://cepa.org/author/olena-halushka/ https://archive.kyivpost.com/author/olena-halushka https://foreignpolicy.com/author/olena-halushka/ ---------- SUPPORT THE CHANNEL: https://www.buymeacoffee.com/siliconcurtain https://www.patreon.com/siliconcurtain ---------- TRUSTED CHARITIES ON THE GROUND: Superhumans - Hospital for war traumas https://superhumans.com/en/ UNBROKEN - Treatment. Prosthesis. Rehabilitation for Ukrainians in Ukraine https://unbroken.org.ua/ Come Back Alive https://savelife.in.ua/en/ Chefs For Ukraine - World Central Kitchen https://wck.org/relief/activation-chefs-for-ukraine UNITED24 - An initiative of President Zelenskyy https://u24.gov.ua/ Serhiy Prytula Charity Foundation https://prytulafoundation.org ---------- PLATFORMS: Twitter: https://twitter.com/CurtainSilicon Instagram: https://www.instagram.com/siliconcurtain/ Podcast: https://open.spotify.com/show/4thRZj6NO7y93zG11JMtqm Linkedin: https://www.linkedin.com/in/finkjonathan/ Patreon: https://www.patreon.com/siliconcurtain ---------- Welcome to the Silicon Curtain podcast. Please like and subscribe if you like the content we produce. It will really help to increase the popularity of our content in YouTube's algorithm. Our material is now being made available on popular podcasting platforms as well, such as Spotify and Apple Podcasts.

A listener recently begged me to agree with him that his best option was to sell all of his stock holdings and move to a cash position. Would my agreement with his statement be considered wise?If you'd like to be a part of a free online retirement community, join us on Facebook: https://www.facebook.com/groups/399117455706255/?ref=share

Finally out of the Sivvulations, the APA has no time for introductions, as liquidation units arrive to destroy them.Please support us on Patreon: https://www.patreon.com/STFNetworkSTF Networkhttps://www.thestfnetwork.com/https://discord.gg/7KPfMCzStarfinder - Devastation ArkTitle Music:"Dang Thwackle Dev" by Adam KellyOther music:Kevin MacCleod - Incompetechincompetech.filmmusic.ioTabletop Audiotabletopaudio.comPurple Planet Musicwww.purple-planet.com/ (edited)

Crypto Town Hall is a daily Twitter Spaces hosted by Scott Melker, Ran Neuner & Mario Nawfal. Every day we discuss the latest news in the crypto and bring the biggest names in the crypto space to share their opinions. ►►OKX Sign up for an OKX Trading Account then deposit & trade to unlock mystery box rewards of up to $60,000! 

Mike is on vacation but Brandon joins 4D Chess this week to discuss where we currently stand in the dynasty space as well as what we are doing with some of our teams including the Heroes vs Villians Relegation League! Heroes vs Villians. What have we done so far in auction? WoRP in the HvV league. Are there times to take skill players over QB starters in superflex? Auction budgeting Be cautious buying players based on small sample sizes. Liquidating players that have market due to name cache. Learn more about your ad choices. Visit megaphone.fm/adchoices

Dave Ramsey & Dr. John Delony discuss: Preparing for financial stability, Working a difficult job that pays well, Liquidating investments to buy a house. Support Our Sponsor: Zander Insurance Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Want a plan for your money? Find out where to start: https://bit.ly/3nInETX Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6 Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

Today's Flashback Friday is from episode 1583, published last on October 29, 2020 Setup Jason Hartman Minutes, Flash Briefing on Amazon Alexa. Jason Hartman discusses the consistent qualities of investment property. He reiterates the lessons known from IDEAL as well as qualifying its self-liquidating development.  Jason interviews client, James Castelle. James purchased his first investment property within two years of his initial listen to the Creating Wealth Real Estate Investing podcast. James shares his story shifting from the typical stock-market investment to property investment and why he favors it. The quick lesson, inflation-induced debt destruction, is king!  Key Takeaways: [3:45] Jason Hartman is on Amazon Alexa: [4:30] Alexa Flash Briefing Jason Hartman on ROI [5:00] I.D.E.A.L.  [10:00] Income property is beautifully consistent. What was true 12 years ago is still true today!  [12:00] Income property is self-liquidating. It pays itself off. [13:30] Not all ROI is created equally.  [17:30] Jason on the tragic knife attacks in France. James Castelle 24:00 [26:00] The stock market v. real estate.  [29:00] Why did you choose the Gadsden, Alabama market? [31:00] The benefits of inflation making a house payment seem cheap over time.  [34:30] After your first investment property, what are your plans? Websites: JasonHartman.com JasonHartman.com/properties Jason Hartman Quick Start Jason Hartman PropertyCast (Libsyn) Jason Hartman PropertyCast (iTunes) 1-800-HARTMAN

Dave Ramsey & George Kamel discuss: Taking a better-paying job after you just got hired, Borrowing money for a house downpayment, Life insurance options, Liquidating investments to buy into crypto, How to quit rationalizing foolish spending. Support Our Sponsor: PODS Moving & Storage Grip6 Gazelle – Terms & Conditions Apply. Visit ramseysolutions.com/gazelle for more information. Established by Pathward, N.A., Member FDIC. Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Want a plan for your money? Find out where to start: https://bit.ly/3nInETX Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6 Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

On this episode, Gino sits down with Wyatt Simon to discuss one of the most important components of personal financial engineering: A specially-designed, permanent life insurance policy. They talk about how to leverage these policies and Wyatt's experience working with the 100 Year team to achieve his goals. We all know the obvious benefits of life insurance, but our special design advances your financial plan beyond a death benefit for your family, and can be leveraged in many ways. Additional benefits like freedom to use the growing cash value and implement our Dual Asset Strategy, are what make our policies different than typical life insurance. Wyatt is a Colorado native and has been in real estate for over 6 years. He is a full-time investor with a current portfolio over 100 units. He is the owner of Full Circle Property Management and runs both acquisition and management for Full Circle Real Estate utilizing the strength of his incredible team. Key Moments