Podcasts about No Bueno

Picking up immediately with the action from before, Kivi has jumped through the Teleportation Circle to quite a surprise on the other side. Join with the rest of the Riders to see how this fares. Recorded June 18th, 2021 Twitter: @GamingOnTheRocs YouTube: http://bit.ly/gotrtube Patreon: https://bit.ly/facesquid Discord: https://discord.gg/s8ZZhAm Website: https://www.gotrpod.com Share the Episode: https://www.gotr.info

Taliban leaders took over control of the Kabul airport Tuesday and marked the departure of the last U.S. plane from the country by taking a symbolic walk across the airport's sole runway, according to a report. "The world should have learned its lesson and this is the enjoyable moment of victory," Zabihullah Mujahid, the Taliban spokesman, said in a livestream video, according to the Associated Press. Support the show: https://patreon.com/wdshow See omnystudio.com/listener for privacy information.

The Biden administration intentionally drives the country and the world into a disaster. Meanwhile, maks psychos are still everywhere and are not like to ever quit being crazy. What a time. Find us at www.burnbarrelpodcast.com Email us: burnbarrelpodcast@gmail.com Follow on Parler: @burnbarrelpodcast On Gab: @burnbarrelpodcast Facebook: facebook.com/burnbarrelpodcast And Twitter: @burnbarrelpod Rumble: rumble.com/c/burnbarrelpodcast YouTube: www.youtube.com/channel/UCWhLuhtutKdCmbHaWuGg_YQ Follow Tom on Twitter: @tomshattuck You can follow Alice too: @aliceshattuck More Tom stuff at www.tomshattuck.com Tom's "Insta" as the zoomers say: www.instagram.com/tomwshattuck/ Join us at Locals: burnbarrel.locals.com (subscriber based) Join us at Patreon: www.patreon.com/burnbarrel (subscriber based) The opening theme music is called Divine Intervention by Matthew Sweet. The closing theme music to this podcast C'est La Vie by Derek Clegg. Excelsior

#CANWNT wins gold, Megan Rapinoe loses - Breakdown of the Star Wars: Galactic Starcruiser hotel W @jpwhite957 - Making little people take the bus, No Bueno. James is religious and Dean hates religion so they have a fun conversation.  Watch: https://youtu.be/ZXDQUAIQOGQ See omnystudio.com/listener for privacy information.

I'm not gonna lie...I miss my mom big time and with her birthday coming up, even harder on the heart. First one without her. :(((( Alright, let's see what's been in the news. I've made sure to end the news with an actual feel good story I read about today. :) PLEASE don't let your guard down with this Delta variant, of covid! Stay safe! Even if you are vaccinated and had covid...keep being proactive. Until we are doing with things still being not good we have to keep safe. Truly! Oh, yours truly got the first dose of the covid vaccine. Sadly, I'm not able to get magnets stuck on me. hahaha God bless! --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app Support this podcast: https://anchor.fm/ttwh71/support

Follow The Decrypt Daily Twitter: @decryptmedia Website: Decrypt.co Follow me on : Twitter: @MatthewDiemer IG: @MatthewADiemer FB Page: https://www.facebook.com/thedecryptdaily FB Group: https://www.facebook.com/groups/thedecryptdaily Email: MatthewAaron@Decrypt.co Matthew Diemer For Congress OH16 Diemerforcongress.com https://secure.actblue.com/donate/diemer-personal —————————————————————— Mark Cuban-Backed Nifty's Raises $10M, Debuts with 'Space Jam' NFTs https://decrypt.co/75720/mark-cuban-backed-niftys-raises-10m-debuts-with-space-jam-nfts Grayscale's Digital Large Cap Fund Is Now an SEC-Reporting Company https://decrypt.co/75719/grayscale-large-cap-fund-sec-etf Fourth-Largest South Korean Bank to Roll Out Crypto Custody Services https://decrypt.co/75729/fourth-largest-south-korean-bank-roll-out-crypto-custody-services DeFi Tokens Aave, Synthetix, THORChain Mount Bullish Rally https://decrypt.co/75724/defi-tokens-aave-synthetix-thorchain-mount-bullish-rally Playboy Unwraps Its Miami Beach NFT Collection https://decrypt.co/75632/playboy-unwraps-miami-beach-nft-collection 77% of El Salvador Residents Believe Bukele's Bitcoin Law Is Not a Wise Move https://decrypt.co/75613/77-el-salvador-residents-believe-bukele-bitcoin-law-not-wise-move —————————————————————— Music: Say Good Night by Joakim Karud https://soundcloud.com/joakimkarud Creative Commons — Attribution-ShareAlike 3.0 Unported— CC BY-SA 3.0 Free Download / Stream: http://bit.ly/2RzhBOn Music promoted by Audio Library https://youtu.be/SZkVShypKgM Track: Future Disco — Vendredi [Audio Library Release] Music provided by Audio Library Plus Watch: https://youtu.be/zW2bU3ZnL9Q Free Download / Stream: https://alplus.io/future-disco Here comes the money https://www.youtube.com/watch?v=o0ZpesMYF6A https://www.youtube.com/watch?v=n695sgmV3EQ https://www.numbeo.com/cost-of-living/country_result.jsp?country=El+Salvador https://www.binance.com/en/blog/421499824684902301/A-letter-from-our-CEO-Reflecting-on-Progress-and-the-Road-Ahead?ref=JLI1VBLA&utm_source=BinanceTwitter&utm_medium=GlobalSocial&utm_campaign=GlobalSocial —————————————————————— Financial Disclosure: Matthew Aaron is a holder of cryptocurrencies, digital assets, and other stocks. *** this is not financial or legal advice*** © Copyright 2021 Matthew Aaron Podcasts LLC All Rights Reserved

I won't start by saying 2020 was a rough year. We know that already.We know that 2020 brought many businesses to their knees, requiring profound pivots, workforce and workplace changes, policy changes, and how it significantly altered how humans work.As an executive coach for mid-sized to large organizations, I was in the thick of these changes every day (and still am). It wasn't uncommon to receive texts after hours and on weekends as my clients scrambled to find their footing in a brave, new, uncertain and constantly changing world.Based on my work with over a dozen diverse organizations over the past year, below you'll find my predictions for what I believe The Future Of Work will look like.#1 The Human Experience (HX) Will Replace The Employee Experience (EX)Net-Net: Seeing employees as humans and helping them grow in all areas of their livesFocus on: Physical, mental, emotional, spiritual, financial healthInfographic: Learning together and how it benefits our brainsIt's ok to be human at work now. We've seen the inside of one another's homes, heard our colleagues' children crying, dogs barking, and more. Thank goodness. Now we can connect to one another without the veneer of stilted professionalism.Employee Experience (EX) was a 2-dimensional way of looking at humans. Now we care about the entire Human Experience (HX) and support our people to have more fulfilling lives, which of course helps them bring a more productive version of themselves to their work. Thanks to Gartner's 2020 Reimagine HR Employee Survey, employers that support their peoples' lives overall enjoy a 23% increase in the number of employees reporting better mental health, plus a 17% increase in the number of employees reporting better physical health. Additionally, employers benefit from a 21% increase in the number of high performers (compared to firms that don't provide the same degree of support to their employees).#2 Personal And Corporate Value Alignment Will Support More Purpose-Driven WorkNet-Net: Truly living corporate values, not just hanging them on the wallFocus on: Being authentic, walking your walk, talking your talkInfographic: Employee engagement has a recipe… follow it!We all want to be part of something bigger than ourselves. We all want to know we're making a difference. We all want to work with (note I don't say “for”) organizations whose values align with our own. According to some 2020 Gartner research, 74% of employees expect their organization to become more actively involved in current cultural debates of the day. How did you feel about some of the more public displays of CEO support of their values, such as certain social media companies unplugging accounts of hate groups and other malevolent social forces?The more a CEO models the organization's values, invests in addressing challenging or even uncomfortable social issues, the more engaged their employees are. The same Gartner survey found a leap in employee engagement—from 40% to 60%— when their organization acted on today's key social issues. Wow. If you need some help setting/refreshing your values, here's a kit to help you.#3 Hybrid Work Will Be The Norm—So Build A Virtual CultureNet-Net: Release control over the work environmentFocus on: Where your people feel most productive and connected to their team/the organization overallInfographic: You need a GAME Plan to make this workHybrid workforces are already becoming common, with employees working in their home, a quiet coffee shop, or the office (or some variation). What I'm curious about is the varying interest in a hybrid that I'm seeing across my clients. Some employees are itching to get back to the physical office as much/as soon as possible. Others are ok coming in 1-3x per week, based on what's needed. What do your employees want? Find out. Regardless, you're going to need to have a GAME (Growth, Appreciation, Measurement, Engagement) plan to keep everyone “together” as a tribe. See the infographic above.A recent Gartner survey found that 64% of managers believe that employees working in the office are higher performers than remote workers. And they said they'd be more likely to give in-office workers a higher raise than remote workers. This isn't the experience of my clients, though, who have found that remote workers are often higher performers. Gartner's data showed the same: for full-time workers from both 2019 (pre-pandemic) and 2020 (during the pandemic) remote workers are 5% more likely to be high performers than those who work from the office.And be aware of gender disparity here too: many of my clients are finding that men are more interested in returning to the office versus women. If some managers believe the in-office employees are more productive, this could affect salary increases and promotions, which again could reinforce salary disparity between genders. No Bueno.#4 Employee Monitoring Will Be Replaced By Performance Monitoring—And Trust Net-Net: If you don't trust them, why do you employ them?Focus on: Monitor performance and results, not hours clockedInfographic: Motivation can be crushed by leadership—make sure you don't mess this up!Did you know that as a result of the pandemic, more than 1 in 4 companies installed technology to passively track and monitor their employees? Wow. Imagine the privacy issues that come from this, as well as the trust issues. Now imagine if this happened to you—would you feel like your employer was looking over your shoulder all day? Spying on you? It's a sticky topic, and according to Gartner's research, less than 50% of employees trust their organization with their data. This is not surprising, since 44% didn't receive any information regarding the data collected about them and how it would be used. Whoa. A little respect, please.Expect to see a bevy of state and local regulations this year that will establish limits on what employers can track about their employees. If you choose to monitor your employees digitally, be sure to over-communicate and be super transparent about the details. Regardless, you'll get the best results (and highest morale) by simply establishing clear KPIs, success metrics, goals, OKRs, whatever you prefer to call them, and monitor individual performance instead.#5 Flexible Working Hours Will Become The Norm Net-Net: Ensure overlap that's essential, let go of control for the restFocus on: Letting people bring their best self, according to their work rhythmInfographic: the Feedback Frame will help you give effective feedbackAre you a morning person? Or an evening person? What would it be like to work at your peak time each day? How much more productive and fulfilled could you be?My clients are becoming increasingly flexible re: when to let their employees work. Some are requiring availability (not continuous though) between 9-5 pm, meaning the employee can take gap time during this range as long as they check email at regular intervals and attend key meetings. Others are setting up split shifts (a mom for instance could work from 7-8 am, then once the kids are set, from 10 am-2 pm, and again a check-in on email/etc from 7-8 pm). Get creative with exploring what your people need and what serves the business. This will require us to become better at giving feedback and often doing it digitally. See the infographic above.Gartner's 2020 Reimagine HR Employee Survey revealed that organizations offering employees flexibility over when, where, and how much they work saw 55% of their workforce as high performers. Yet at an organization with a standard 40-hour workweek, only 36% of employees were considered high performers. Again, it's time to measure results, as I mentioned in #4 above, versus time clocked.#6 Freelance, Temporary Help Will Be Welcomed To Optimize Resource AllocationNet-Net: Stay lean and get extra help as neededFocus on: You'll need better communication and more Standard Operating Procedures to ensure quality and consistency with temp helpInfographic: Be sure to include your temp help in your tribeWe all need more diverse capabilities and skills from our teams than ever before. And Gartner's analysis shows that organizations are now listing about 33% more skills on job ads in 2020 than they did in 2017. Why? Because the world is moving faster, technology is moving faster, we have more diversity in the work we do, so we all have to level up to meet ever-changing needs.Many of my clients are looking for temp help, using UpWork, Fiverr, and other sites to get the specific (often narrow) help them need at the moment. We'll need great communication to make this work, to help onboard everyone faster, and ensure consistent quality work.#7 Neurodiversity And Mental Health Support Will Be Destigmatized. Net-Net: We all have our struggles, so let's support instead of judgeKey Focus: Create a Neurodiversity [link to neurodiversity blog] policy (if you don't have one yet) and internal support groupsInfographic: Stress, change, isolation are devastating to us all… learn what these do to the brain so you can sidestep this riskI was very happy to learn that even before the pandemic, Gartner's research showed that 45% of well-being budget increases were being allocated to mental and emotional well-being programs. And now in the midst of the pandemic (and let's be realistic—for the ongoing future) we've seen mental and emotional well-being brought to the forefront for all organizations.Per Gartner, by late March 2020, 68% of organizations had introduced at least one new wellness benefit to help their employees navigate the pandemic. And in 2021, we'll see organizations join my clients in widely offering “mental health days”, support groups, compassion around ADHD, OCD, Bipolar, GAD employees. Just like some of us have a bad back and can't sit long in a given position, these mental and emotional challenges will be viewed the same way—with acceptance and non-judgment.We've still got a way to go to whatever the new normal is going to be. With the above tools you'll be better positioned to capitalize on it, and with a happier, healthier, more productive workforce. See acast.com/privacy for privacy and opt-out information.

A lot of venom flying around this week among public Catholic personas. Not cool. --You can DM me on SP3RN @Calebthe Mechanic, or on Twitter, Parler and Minds @MightyColibri, or email me at radiofreecatholic@gmail.com. Support me on PayPal.me/MightyColibri, Venmo @Mighty_Colibri or @radiofreecatholic, on BitChute, or on Anchor.FM at anchor.fm/support/radio-free-catholic. Videos available on BitChute, Minds, LBRY://@radiofreecatholic and Odysee.com/@radiofreecatholic. Follow me on Telegram at https://t.me/Caleb_the_Mechanic --- Support this podcast: https://anchor.fm/radio-free-catholic/support

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Indeed, no Bueno. No good. For anyone. This whole situation is just fucked. FUBAR is the correct term. Fucked Up Beyond All Recognition. I have concerns but I know I will prevail. I know I can survive. I know exactly who the Fuck i am and what I am capable of. They, the others, anyone not helping me, consideredy an enemy and solved via my two part process which includes cutting your head off and your heart fucking out. Simple process really. This applies to anyone that helps Jimbo and the Shit Storm of Broken Assholes too hurt me in any way. Those are the rules. You know what the games is and you are therefore accepting or assuming the risk of said activity and waiving all legal liability. So if you get your head cut off and your heart cut out. It's your fault. Not mine because your a massive pile of shit as a human being and you helped the worlds worst People harm and or try to hurt an Innocent person. Fuck you Jimbo and Tessa. I am eagerly waiting my my day to arrive to smash your fucking heads with rocks. Rock on mother fuckers....rock on.

Seth and Sean react to Odorizzi's first start not going well, discuss some of Tony Buzbee's posts (including a deleted one), and break down some Penderpoll data showing the waning trajectory of fans being on Watson's side in the standoff with the Texans. See omnystudio.com/listener for privacy information.

Guy Benson Show - 4-1-2021 [00:00:00] 3:06 pm - Sandra Smith, Co-Anchor of America Reports on FNC [00:16:04] 3:27 pm - Iowa 02 Update [00:18:15] 3:35 pm - Juan Williams, FNC Political Analyst & Co-Host of the Five [00:35:49] 3:56 pm - No Bueno? Jill Biden botches Spanish phrase [00:36:36] 4:06 pm - AOC finally slams Biden’s Border problems [00:46:11] 4:21 pm - REPORT: Cuomo reportedly got more than $4M for COVID book [00:54:49] 4:35 pm - Benson Monologue: Biden Says He Supports Moving MLB All Star Game Out of Atlanta over Georgia Voting Law [01:08:05] 4:52 pm - Benson Monologue: Biden Says He Supports Moving MLB All Star Game Out of Atlanta over Georgia Voting Law [01:12:55] 5:06 pm - Andrew McCarthy, Fox News Contributor [01:26:22] 5:24 pm - Racist Cartoon [01:31:10] 5:35 pm - REPLAY: Sandra Smith [01:35:55] 5:44 pm - Homestretch: Disneyland Corndog

On this episode, Diane Brennan of Coldwell Banker Realty and Tom Ross with Bay Equity Home Loans talk about the problems with waiving an appraisal. Tom goes in depth about the pros and cons. They start with a story from Tom's date night with his wife, then talk about voting for Danielle in her nomination for Best TV Personality in AZ Central's Best of the Desert 2021. Click the link to vote! It only takes a moment and is sincerely appreciated. Resources and Links: To reach Diane: Facebook is /ThatRealEstateShow Instagram @myrealtordianebrennan Phone: 602-620-2277 To reach Tom: The Tom Ross Team at Bay Equity website By phone: 602-684-8200 Office is located at 5635 East Thomas Road, Office 13, Phoenix, AZ 85018 "Diva" Danielle Williams is @1AndOnlyDivaDanielle on Instagram and here on Facebook! And again, don't forget to vote by clicking here!

this week we have a little chat on our favourite easter treats... of course we have a protein bar battle, brownie VS jam roly poly... our deep dive topics go into a torn pectoral muscle from tendon health, why steroids dont help your tendons, tom lays into the body part split... it shouldnt be a thing... unless you are training 6 times a week and you are a bodybuilder. also we have some nice research from mr Natero.

Evan and Gabe discuss the latest from Emperor Cuomo, AOC, and the end of women's sports. #spacex #reoccupywallstreet #aoc #america #republican #freedom #2a #freespeech Check out our website for all past and future shows, articles, announcements and SNOWFLAKE MELTING MERCH! USE CODE FRAUD FOR 20% OFF ALL MERCH www.Empirestateconservativenetwork.com/store Gabe IG: @baron.montalvo Follow us on: IG: @_empirestateconservatives FB: EMPIRE STATE CONSERVATIVES: LIVE SHOW YOUTUBE: EMPIRE STATE CONSERVATIVE NETWORK: LIVE SHOW TWITTER: EMPIRESTATECONS Parler: Empirestateconservatives All podcast platforms: Empire State Conservatives Podcast or CLICK BELOW! https://anchor.fm/empire-state-conservative-network https://podcasts.apple.com/us/podcast/empire-state-conservatives-podcast/id1441178646?uo=4 https://www.google.com/podcasts?feed=aHR0cHM6Ly9hbmNob3IuZm0vcy9iMzA3NTkwL3BvZGNhc3QvcnNz https://overcast.fm/itunes1441178646/empire-state-conservatives-podcast https://open.spotify.com/show/5Iwa4x5ZxoKVQsqIhaKOB1 https://www.stitcher.com/podcast/empire-state-conservative-network/empire-state-conservative-network-podcast DON’T LET FEAR TAKE YOUR FREEDOM --- Send in a voice message: https://anchor.fm/empire-state-conservative-network/message

Jam Packard and Jay King react to the news that the Celtics will be without Marcus Smart for 2 to 3 weeks. The guys also discuss the loss to the Lakers, the JJ Reddick rumors, Kemba Walker's struggles, and whether or not Tristan Thompson is good. All that before the dynamic duo dive into a very special One Quarter of the Season Poddable 6-Pack sponsored by Night Shift Brewing. Learn more about your ad choices. Visit megaphone.fm/adchoices

HOLAHELLO!!!Ya los extrañaba amistades! Esta bella tarde de jueves, les dejo un episodio para reflexionar poquito del verdadero significado e importancia de ser EXCELENTE.Y lo mucho que siento YO, que hemos ido diluyendo actualmente el ser un SER HUMANO con defectos, imperfecciones, cualidades y VALORES.Hagan de cuenta que hoy soy su tía diciéndoles "MIJITO SESTAN PERDIENDO LOS VALOREEEEEEES, YA NO ES COMO ANTES" peeeeeeeeeeero una versión más actualizada y menos católica jajaja.Espero lo disfruten mucho, díganme que piensan!Mucho love, siempreKM

Good Morning Crypto 22-01-2021 Join the biggest blockchain academy: www.ivanontech.com

In which I start out reading this: https://www.technomadia.com/2012/07/chapter-9-nomadic-logistics-domicile-mail-taxes-banking-and-voting/…And then have a realtime 'behavioral outburst' (i.e. autistic Meltdown) and leave it all raw & unedited out there. Now you know what happens when demands or even the perception/expectation of demands get to be too much for me. Can you see why shared living space would be No Bueno, why neighbors might yell "not so loud"? I don't like me when I'm angry and doubt you do either. After this I had some serious Dog Therapy with Delilah, hit the showers, had a lie-down, and ordered a Roast Beef Po'Boy so maybe I'll self-regulate. Maybe.

#27 - Losing Yourself In Relationships Remember that friend who would disappear from the face of the earth when she entered in a new relationship? We have all had that friend or even was that friend (Nina is guilty as charged).  This episode is all about how we can lose our identity in relationships, whether it be friendships, romantic or even with work. Each of us has a unique light that makes us who we are; however, sometimes we enter relationships that dim that light. We are here to drop some truth bombs, identify red flags and remind you to SHINE BRIGHT, no matter what relationship you are in.  [2:09] "You Complete Me". Oh boy, our absolute favorite phrase...NOT. We vent about how much we dislike this phrase and the confusion it brings forth. [6:45] The Red Flags. We dive into some of the signs that you may be losing yourself in a relationships, some of these include the following: [7:01] Same hobbies and dislikes. We don't mean that having a sharing interest is not ok...this becomes an issue when your life completely mirrors your friend, colleague or significant other. [10:23] You're losing touch with yourself . Each of us has a light that makes us unique whether it is a personality trait or quirk. When this light dims, this is NO BUENO. [13:45] Same friend circle. This may happen when you lose connection with long standing friends such that you intentionally surround yourself with the friends of your significant other. [16:50] Sacrificing our own desires and goals. We don't mean compromise here. We are talking about how your world, your future plans and dreams all go to the wayside for the person you are with. [20:40] Codependency. We clarify here that dependency is not the same as co-dependence and how codependency is often where we get our justification and validation as a person. [24:14] Inability of self-care. Ask yourself, when was the last time you had some time to yourself? or had a girls night? This not only applies in romantic relationships but also friendships and family. [28:57] Takeaways. We offer some tips on reconnecting with yourself when you may be feeling like you are losing yourself a bit in a friendship, relationship or work: [29:34] Ask, what are you doing for yourself? Check-in with your energy levels and how you are recharging yourself to bring your best self forward. Do something for you! [30:43] Boundaries. We go in depth about setting up and implementing boundaries in Episode 23; however, in relationships, boundaries are extremely important as we encourage our listeners to not be afraid to ask what you need or express something you may disagree with. [35:04] Traveling Solo. Have you ever taken a trip by yourself whether it be the next town over or out of state? Nina shares how this has been a game-changer for her. [40:30] Engaging in your own hobbies.  Find something that ignites YOUR PASSION. This can be as simple as reading a good book or taking up a new little adventure. Oftentimes, when we engage in something we love to do, we get recharged and free of mental blocks. [43:57] Self-development & Self-Awareness. Sometimes this comes after we experience losing ourselves but that is OK! These are lessons learned that help us become the best version of ourselves in maintaining our identity. We also stress the importance of healing from previous friendships, relationships and work situations that may have negatively impacted your life. Resources: “Boundaries”, Episode 23 Find more silliness & love at beyounothem.co Slide into our DMs on Insta @beyounotthempodcast Connect with us on Facebook   Don't dull your shine!   Baklava, Nat & Nina

Twitch live streams: https://www.twitch.tv/tiwanakullcBlog: https://whitenoiselevel3.wordpress.com/Donate: https://www.paypal.com/paypalme/tiwwanakullcWell I WAS talking about avoiding cults, when suddenly my dad called. I caught him while going live on Spreaker & Twitch! So, I asked him to talk about the day I was bornin Managua, Nicaragua. This was supposed to be 2 separate episodes. Oh well! Go with the flow

In this episode you'll learn about…A Powerful Meeting of Men. (0:46)Starting Strong, Finishing Weak. (3:46)What motivates us? (8:58)Rules + Stoptional. (13:15)Our meaning making machine! (16:54)Be RELENTLESS! (20:08)

The guys get the "cheat code" to understanding what women really mean, an entrepreneurial enterprise is formed, and Damon most likely gets beat up afterwards... ...by a girl...

Welcome to StoryLearning Spanish! Follow the transcript below as you listen. Ready to take your Spanish to the next level? Register for our next StoryLearning Challenge at: http://www.storylearning.com —Tú no comprendes —dijo Bianca después de un silencio—. Todo es culpa de mi familia. Ahora, Louis y Bianca comían sus huevos fritos con un poco de pan, sentados fuera de la caravana. Todavía tenían que terminar de limpiar las tiendas de campaña si querían dormir allí esa noche. —¿A qué te refieres? —preguntó Louis. —Mis padres siempre han sido muy sobreprotectores conmigo. Sí, ahora me dicen que debería madurar, salir al mundo, pero hasta ahora no me han enseñado nada. En mi casa siempre hubo un hombre que cocinaba, una mujer que limpiaba, otra que mantenía la piscina, un equipo entero de niñeras cuando éramos pequeños —dijo Bianca, mirando el sol que se filtraba entre los árboles. A su alrededor muchos otros campistas secaban sus cosas al sol. No habían sido los únicos cuyas tiendas se habían inundado con la tormenta. —Guau —dijo Louis—. Deben ser ricos. —No… Bueno, quizá sí, no lo sé. Mi padre tiene una agencia de modelos. Mi madre era modelo, hasta que nos tuvo a mis hermanos y a mí. Mis hermanas son muy inteligentes e independientes… Mi hermana mayor ya tiene una familia, mi otra hermana acaba de recibir una beca de Oxford y mi hermanito menor es un genio y un gran atleta… Pero yo… creo que soy la fracasada de la familia. Jamás he trabajado, he estudiado una carrera que no tiene salida laboral y no sé si... Bianca dudó. —¿Qué es lo que no sabes? —preguntó Louis. —No sé si hay algo que realmente me apasione —dijo Bianca. —Ah, esa historia sí la conozco —dijo Louis—. Es la historia de mi vida. Glossary culpa: blame, fault. pan: bread. limpiar: to clean. sobreprotector, sobreprotectora: overprotective. madurar: to grow up. equipo: team. niñero, niñera: babysitter. fracasado, fracasada: loser. salida laboral: career opportunity. apasionar: to feel passion about something.

https://linktr.ee/lifesportsstuffpodcastWebsite: https://www.buzzsprout.com/1090793Facebook:  https://www.facebook.com/groups/1186532621694574/Twitter: @LSASPodcastEmail: Lifesportstuffpodcast@gmail.comTheme Song: “These Days” – The Adam Jason Band - https://www.facebook.com/adamjasonofficial/https://linktr.ee/lifesportsstuffpodcast

TaliaTalks about cutting ties with unhealthy people. Reflection is key in over coming bad habits, toxic relationships, and addictions. When you have a vision of harvest, and big dreams, protecting your mental and physical space is crucial. Set backs stem from repetitive acts of irresponsible decision making. People will always see your potential and will never propel you forward. In life, you will need to drop people off at the bus stop and keep driving your bus.  You need to protect your energy, get your rest, drink your water, and remember your vision. I graduated Dental Hygiene school, quit drug addiction, overcame insecurity, became a full-time you-tuber, and started a podcast. I overcame and conquered, so can you! Break those chains, and believe in magic ! 

¿Ya vieron "Downsizing"? Esa película que está en Netflix en que achican a Matt Damon estilo querida encogí a los niños. ¿No? Bueno, ahora es cuando, porque hoy le venimos a hablar de su director: Alexander Payne, uno de esos autores que pasan demasiado piolita para la buena filmografía que tienen. En esta ocasión nos concentramos en tres: "Election", "Sideways" y "Downsizing". En el camino, como siempre, salieron al baile muchas otras cositas, como #Glee, #Community, #HarryPotter, John Huges, #BreakfastClub y quizás cuantas más divagaciones. SPOILER: en esta oportunidad no nos acompañó la Chiri porque está con demasiada peguita, pero volverá por supuesto. Un abracito

In this episode of Revelations with Ray, Ray talks about cancel culture and how y'all better leave Paw Patrol alone! Hope you enjoy! Give us some feedback in the comments and as always, check us out on your favorite social platforms here: https://linktr.ee/GrayScalePodcast --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app --- Send in a voice message: https://anchor.fm/grayscalepodcast/message Support this podcast: https://anchor.fm/grayscalepodcast/support

Listen I get that the ladies need to protect their hair from the elements but how you gonna wear a shower cap outside the shower? On top of that out in public. No Bueno man no Bueno

In a new season of the Liberal Sherpa podcast, your favorite liberal (that would be me) is asking my Fox News friends & other newsmakers: What’s going on?! Our Season 3 debut podcast is about this Tweet today. Oh boy! It read: "He was working as a security guard at an auto body shop. Police pulled their guns on him and he ran because he was rightfully terrified. ... He was 18. ... Andres Guardado." I asked the founder of Blue Lives Matter NYC Joseph Imperatrice what happened? How can shootings of the innocent continue like this happen in the U.S.? Turns out, Imperatrice tells us, after George Floyd’s murder, more minorities are dying by gun fire these days than before Floyd’s death. We deserve an explanation! Learn more about your ad-choices at https://news.iheart.com/podcast-advertisers

Hour 2 Boy, do we have it good. Look what's happening in Seattle! WGIG-AM and FM in Brunswick, GA

Are you ready to rock?  Because Dolph Lundgren certainly is!  On this month's outing, we're taking a look at Dolph's FOURTH round as actor-director (not to mention co-writer as well!) in 2009's Command Performance!  In this variation on the classic Die Hard formula, Dolph plays Joe, a rock and roll drummer who springs into action when terrorists invade a rock concert in Moscow!  And who better to discuss a rock and roll action movie than with an actual rocker himself?!  Jeremiah Ludemann, guitarrist for the band, No Bueno! joins the show (in his first ever podcast appearance!) to discuss the film and offer insight into the music and concert-going business! Just how invested is Dolph in the movie, and how is it evident?  How does the film do at balancing the line between slapstick and seriousness?  How does Dolph manage to dispatch of the terrorists using his instruments?  And where does the rest of Dolph's band go?  Listen in as Jeremiah and I rock out and chat the craziness that is Command Performance! Major thanks to Jeremiah Ludemann for joining me!  Please be sure to check out his band, No Bueno! https://www.facebook.com/nobuenoband/  Also, be sure to stay tuned at the end of the episode for the premiere of No Bueno's new song, "Dangerous Weapon"! And if you have yet to see Command Performance, check it out for free on Tubi and IMDbTV! Please feel free to rate and review the show on iTunes, Stitcher, or wherever else you go to subscribe!

In this episode we started a little late. A problem had come up and Chris and Tony could only laugh at the situation.

In this episode we started a little late. A problem had come up and Chris and Tony could only laugh at the situation.

Guest: John Hoffmeister, former President of Shell, now with Citizens for Affordable Energy Recapping the interview with Astronaut Jim Lovell; the on-gong police officers lunch; what have you watched during the outbreak; Houston has a bunch of grown ass tattle talers as the city has received thousands of complaints about non-essential businesses operating; L.A. antibody study shows a large number of people have had coronavirus without showing symptomsHarris County falling alcohol sales by restaurants & bars; how the falling tax revenue will kill city services; Bloomberg spent more than a billion dollars on his presidential campaign; Boston study: finds a large number of people who have coronavirus antibody without symptoms; why you should consider testosterone therapy

Today's Moron of the Day! https://nypost.com/2020/04/06/ohio-man-flouting-stay-at-home-order-for-party-arrested/?utm_source=url_sitebuttons&utm_medium=site%20buttons&utm_campaign=site%20buttons      Today on Morons in the news:     You might want to change those babies names.   No stay at home parties for you sir!     The lions have taken over the streets of India.

Rodd and Radio discuss captain cardiac and his love for Fidel Castro.

Sometimes calls for unity are not good. Fugazi. Flim flam. Fake. Counterfit. Scam.  Allow me to explain…

Is the content you post on Facebook failing you? Are you doing a whole lotta work for a whole lotta crickets? Here's the not so secret anymore secret about Facebook: they limit the number of people who actually see your theatre's Facebook page posts in their feed. In fact, only 2-5% of people who like your theatres FB page even see the content. Frustrating, right? That is NO BUENO for your ticket sales. On today's episode I'll share 6 ways you can challenge and overcome that Facebook algorithm --with the help of your theatre's supporters. FREEBIE ALERT! Head over to PlayhouseTheatreMarketingAcademy.com/podcast4 and download a How To Guide To Overcoming The Algorithm resource . It's a step-by-step guide in the form of a Swipe File -- a done-for-you document you download from Google and then edit and modify for your own use. It will take you just 10 minutes or less to edit it. You can make the designing of it as simple or complex as you'd like. Then hand it out to your cast and crew. Review it in a staff meeting. Share it with your volunteers and super-fans. Present it to your board members and encourage your sponsors to take part in getting your social media content seen! --- Send in a voice message: https://anchor.fm/inthegreenroom-jnemitz/message

Timestamps: PS5/Xbox Series X Specs Leak: 1:09 PS5 Remastering Engine: 11:10 Destiny 2's Stadia Numbers are No Bueno: 15:50 Ninja has his own Adidas line: 23:57 Final Fantasy 7 Demo Leaks: 29:05 Intro: Song: Wreak Havoc - Axtasia Music provided by Ninety9Lives Video: youtu.be/Oa_qvIZV_9E Download: 99l.tv/wreakhavocYU Outro: Song: Martini on the Rocks - Finesu Music provided by Ninety9Lives Video: https://youtu.be/5GufzQRq5aE Download: http://99l.tv/martiniontherocksYU --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app Support this podcast: https://anchor.fm/the-npcs-podcast/support

¡ESTAMOS EN VIDEO! En el episodio 14 de Los Casiexpertos Podcast, el Experto eres tú y nosotros solo te contamos algunas noticias, reseñas y hasta recomendaciones con buena ondita. :D #LasBrevesDeLosCasiexpertos: Nuestra sección de noticias contaditas, pero que seguro te tendrán cubierto hasta el día en que esta cosa se publica. (¿?) Y sino, nos sigues en Twitter, donde te damos un resumen sabroso todas las noches (bueno, de lunes a viernes). ¡Vamo’ a platicar de esto! – #GameOfThrones y el tráiler oficial de su temporada 08 rompieron récord de #HBO. Y platicamos un poquito de lo que se avecina en la temporada (o sea, lo que creemos que va a pasar). – ¿Sabías que hay más de 450 millones de copias del #manga de #OnePiece en el mundo? ¿No? Bueno, aquí te lo contamos. #RESEÑAS – #CaptainMarvel. La heroína de #Marvel llega a su primera entrega y, ¿cómo lo hace? ¿Mucho #GirlPower? ¿Qué tan oportuno era tenerla ya en la pantalla grande? Eso lo discutimos en este debate muy interesante sobre la peli. – #GreenBook y #Vice. Una ganó el Premio Óscar a la mejor película de 2018 y otra… pues… Mejor no te arruinamos la breve discusión, pero igual tocamos el tema de la premiación que dejó sorprendido a más de uno. ¡HÍJOLE! ¡Adiós, carnales! #GraciasValenMil ¡Síguenos en nuestras redes sociales! Twitter: https://twitter.com/LosCasiexpertos Instagram: https://www.instagram.com/casiexpertos/ Rodo El Vikingo: https://twitter.com/Rodo_el_Vikingo Srita. Pam: https://twitter.com/cloratodepotasa Arrrggghhh: https://twitter.com/s_atahualpa

Lou and Ralph run on at the lips about personal car stories and also steps to take to be the go to guy at your place of business

K doesn't like to hold doors! Do you? We ramble on about life and my depressed self on how I might loose my job ha ha So stay tuned for a buzzed me and good beer as well. Cheers! Beer: Remedio Brewery Web: https://hopandsting.com/ Our Insta: https://www.instagram.com/podcasttabz/?hl=en

Welp, that was an episode we did. #PocketPod has A LOT to catch up on. #JoeyBoey dreams up a thing that never happened, while #Rar asks us to consider the Plocket Clamp Club. Then, #Leesh discovers the updates live on air, and #spoileralert, NO BUENO. ----------- Don't forget to follow us and subscribe to PocketPod in all the places!Twitter: @ThePocketPodInstagram: @ThePocketPodFacebook: /ThePocketPod/YouTube  |  Apple Podcasts  |  Google Play  |  StitcherPodbean  |  Spotify  |  iHeartRadio  |  Player.fm  |  RSS Also, you can follow our songs we sing playlists on Spotify:PocketPod Radio - Volume 1PocketPod Radio - Volume 2

We're back with another thought provoking episode challenging the norms of society! We also welcome a new guest Jon (https://www.instagram.com/up_2_n0_buen0/) who is a Senior Audit Accountant at Ernst and Young and he delves into the world of auditing and some of the interesting findings from audit. The teachers are mad at Rashad for challenging their current structure so we called one of our listeners that works in the education field to give perspective on what people may not know about working as an educator. Email us @ iykykpod@gmail.com  (mailto:iykykpod@gmail.com) Interact with us on social media! Follow us @ https://www.instagram.com/thelastpradag/ https://www.instagram.com/demotaughtme_/ https://www.instagram.com/ifyouknowyouknowpodcast/

No Bueno

Luke and Brian back in the dungeon for another scintillating edition of Morning Kombat.  We first get into the snooze-fest that was UFC Sao Paolo and what, if anything good we can take away from it.  Turning our attention to the now infamous Nick Diaz interview and share our thoughts on that strange sit down.  Does Luis Ortiz have a shot this Saturday vs Wilder?  And guys, if you think a fighter can jump to or from MMA and boxing and be successful, we have a bridge we'd like to sell you.....suckers! Learn more about your ad choices. Visit megaphone.fm/adchoices

We've returned from Mexico, and are ready to take on the celebrity world!

Fresh off our vacay to Cancun, we reflect on the importance of vacations and why time away is self-care --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app Support this podcast: https://anchor.fm/dopeandunfiltered/support

We've been bamboozled..

Liya war auf einem Roadtrip und berichtet über ihre Erlebnisse und wie es im Disneyland war. Yaw hört mal zu und ist ein fan Von Italienern. Viel Spaß. Abonniert, kommentiert und bewertet uns am besten mit ★★★★★ auf iTunes. Wir sind neuerdings auch auf Spotify! spoti.fi/2BKthKH Und hier unsere Playlist zur Show: spoti.fi/2raqzXQ Top 3 - Streitgründe im Urlaub Liya Nach dem weg fragen/verlaufen Essen gehen Planungsabsprachen Yaw Geld Strand / Stadt Gesprächsthemen Unnützes Wissen: Die Blutgefäße in der Nase seien bei Rentieren um etwa ein Viertel dichter als bei Menschen. Deswegen haben sie zumindest auf Wärmebildern eine rote Nase. Tipps: Yaw im Yart 05.10 - 23h

Stefanie opens this week’s first episode of For Crying Out Loud talking about a new jumpsuit she just bought and had some problems with. Then Stef talks about Elby’s recent basketball games as well always having to be in charge of what the kids eat. After that, Stefanie recaps a playdate with Xander and one of his new friends. Before they wrap, Lynette and Natalia donated their time to a charity for homelessness. And thanks to our sponsors: GoodAmerican.com/FCOL, ThirdLove.com/FCOL, FabFitFun.com enter FCOL and #FabFitFunPartner, Brooklinen.com enter FCOL, and Vetericyn.com/All-In.

s1ep25 Family Windshield Time, Tres Sandwiches, “Anti-PR” PR Services, and Lolli's 1st Birthday! We are actually in the car :) post-Detroit debrief events! Thursday 8/22 - Lolli's 1st Birthday Party at Galvanize! Driving together and doing windshield time together recording. Arry plays the piano. Intros Coinme plug. Cash USD on-ramp to Bitcoin. Partnership w Coinstar. Btc price off of Blockfolio $10,090.70. 1 BTC has 9,910 Satoshi's. #satoshiMath Family time. Parenting while on vacation is a lot of work especially for the parents. We are back and thankful to have daycare/grandma support to get a little time away. It was worth it for the two pods we were able to do. Got to experience some good memories together. Tres Sandwiches in Bellevue plug. Best Japanese sandwiches ever. Get there early cuz they sell out fast. They cut off the crust - and they don't just throw it into the garbage (like Jimmy John's

Esas pequeñas cosas... Resumen: ¿Te gusta echar de comer a los patos? A mí lo que me gusta es escuchar la lluvia. Son esas pequeñas cosas las que nos hacen un poco más felices. TRANSCRIPCIÓN Hola chicos ¿Qué tal, qué tal? ¡Bienvenidos! Eso que habéis oído, ese ruido que habéis oído no, bueno no sé si lo habéis oído realmente pero ese ruido que habéis oído es un paraguas. He abierto el paraguas porque está lloviendo, estoy caminando por la calle y está lloviendo. Y me parece mentira, me parece mentira. Me parece mentira que esté lloviendo porque estamos ya en junio, tío. En junio no debería llover, en junio no debería llover porque vamos hombre, yo ya estoy cansado de tanta lluvia ¿No? Y es verdad que en español tenemos un dicho que dice: “Hasta el 40 de mayo no te quites el sayo.” ¿Entendéis? “Hasta el 40 de mayo no te quites el sayo.” El 40 de mayo obviamente es algo metafórico, no existe ¿No? No existe. Mayo tiene… ¿Cuántos días tiene mayo? Mayo tiene… A ver, hay un sistema en español para calcular cuántos días tienen los meses. “30 días trae septiembre con abril, junio y noviembre. Los demás 31, excepto febrero que tiene 28.” Total, 30 ¿No? Mayo tiene 30 días ¿Vale? Entonces como mayo tiene 30 días, el 40 de mayo es el 10 de junio ¿No? Entonces el dicho dice: “Hasta el 40 de mayo no te quites el sayo.” Que quiere decir que hasta el 10 de junio o hasta mediados de junio más o menos puede hacer frío, puede llover y en fin, puede hacer un tiempo desapacible ¿Entendéis? Un tiempo desapacible, o sea un tiempo malo, un tiempo desapacible, que no te gusta y eso es lo que pasa este año, que estamos ya a no sé ¿A 40 de mayo? No, estamos a 50 de mayo. Estamos a 50 de mayo y todavía hace mal tiempo. El sayo, el dicho dice: “No te quites el sayo.” El sayo es una antigua prenda de ropa ¿Vale? Ahora nadie tiene, nadie lleva un sayo. El sayo es no sé, creo que es una camisa, un tipo de camisa larga o una chaqueta, no lo sé. Es algo antiguo ¿Vale? Algo antiguo. Bueno pues nada, estoy caminando bajo la lluvia y estoy pensando joder, parece mentira, parece mentira que estemos en septiembre. Eh perdón, en septiembre no. Parece mentira que estemos en junio ¿No? Bueno a todo esto, a todo esto bienvenidos, bienvenidos a “Español con Juan.” Este podcast fantástico que hacemos en español para aprender español, para mejorar porque si vosotros me entendéis eso quiere decir que ya habláis español muy, muy bien. Lo único que necesitáis es pues seguir mejorando poco a poco ¿No? Encontrar palabras nuevas, expresiones interesantes nuevas que no conocías, significados diferentes de las palabras ¿No? Porque a veces conoces una palabra, crees que sabes muy bien lo que significa pero resulta, resulta que no, resulta que bueno sí, significa eso que tú pensabas pero además tiene otro significado ¿No? Hay muchas palabras así, entonces tienes que ir enriqueciendo tu vocabulario, enriqueciendo tu español con nuestras expresiones, nuevas palabras, fantástico. Y quería dar también, quería dar también las gracias a todos los que dejáis vuestros comentarios en “Apple Podcast” ¿De acuerdo? Porque eso me sirve mucho para que la gente conozca cada vez más este podcast ¿No? Lo que hacemos aquí. Hay cada vez más comentarios, cada vez más estrellitas, que está muy bien, muchas gracias. Muchas gracias de verdad. Sí, como decía para mejorar, para llegar a tener un nivel avanzado lo que tenéis que hacer es aprender siempre nueva expresiones ¿No? Poco a poco descubrir palabras nuevas o significados diferentes de palabras que ya conocías. Eso es lo que hacemos aquí, eso es lo que hacemos aquí que yo cuando hablo, yo intento hablar de temas diferentes, de temas que bueno, pueden ser más o menos interesantes ¿No? A veces más interesante, a veces menos interesante, a veces más alegres, a veces menos alegres, a veces más divertidos y a veces menos divertidos pero siempre, yo siempre intento, intento usar expresiones, dichos, palabras que quizás no conozcáis ¿No?

Gregg talks to Carl while driving to a place that'll help him meditate. He plans on floating in the dark for his spiritual and physical well-being. Can I get an Om?! See omnystudio.com/listener for privacy information.

¿Se acuerdan de esos tiempos de cuando hasta los chicles tenían su propio juego? ¿No? Bueno, los cabros sí se acuerdan. Seba, Simón y Esteban conversan sobre juegos de mesa, sin poder evitar tomar un desvío por las carreteras del alcohol y la droga. PD: El capítulo incluye el unboxing de una caja de galletas que estaba en la cocina.

¿Por qué decimos "tío"? Resumen: En España decimos "tío" cuando nos dirigimos a otros hombres. Hoy hablamos de cómo se usa esta palabra en España. TRANSCRIPCIÓN ¡Hola chicos! ¿Qué tal? ¡Bienvenidos! Bienvenidos a un nuevo episodio de “Español con Juan.” Ya sabéis que este es un podcast en español para aprender español. Cada semana, aquí comentamos, hablamos un poquito de cosas interesantes relacionadas con el estudio del español. Hoy, me gustaría hablar de una palabra, sólo de una palabra, sólo de una palabra ¿Eh? De “Tío.” Tío, tío o tía. Porque me han escrito, me han escrito un comentario bueno no un comentario, un email, me han mandado un email y me han preguntado: “Oye Juan ¿Por qué? ¿Por qué en España se dice “Tío o tía”? ¿Qué significa? Es raro, es extraño ¿No? ¿Por qué se llama a alguien que conoces, a una persona por qué se llama “Tío”? Tío es el hermano del padre ¿No? ¿Por qué? ¿Por qué se llama “Tío”?” Y sí, es una pregunta que me han preguntado, que me han hecho muchas veces en clase o en Internet. ¿Por qué en España se llama “Tío” a las personas o a los hombres, no? O “Tía” a las mujeres. Y bueno, la verdad es que la primera, la primera respuesta que se me ocurre, la primera respuesta que se me ocurre es que bueno, que en Inglaterra por ejemplo donde yo vivo o en Estados Unidos, en inglés se dice: “Brother.” ¿No? Se dice: “Bro” o “Brother” ¿No? De hermano, hermano. En algunas ocasiones incluso “Hermana” ¿No? “Sister” depende ¿No? Bueno pues, igual, igual porque en algunos países se llama: “Brother”, hermano. En Inglaterra, en inglés se llama: “Brother” o “Bro” y en España se llama: “Tío”, se dice: “Tío.” ¿Por qué? La verdad es que no lo sé. He estado mirando en Internet el origen de esta palabra, el origen de esta costumbre ¿Por qué se llama “Tío” a alguien que conoces, a alguien de forma familiar, no? De forma cariñosa ¿Por qué se llama “Tío” a estas personas, no? A alguien que bueno, a un amigo por ejemplo. ¿Por qué le llamamos “Tío”? Y no, no he encontrado una respuesta clara, la verdad. La verdad es que no, no sé de dónde viene, no sé cuál es el origen de esto. He estado mirando en Internet y no encuentro una razón ¿No? Es interesante, “Tío” o “Tía” se usa en España pero creo que no se usa en Latinoamérica ¿No? En Latinoamérica tienen otras palabras para usar cuando se refieren a una persona, a un amigo o a alguien que conocen o incluso a alguien desconocido ¿No? Para hablar de alguien ¿No? Bueno después, después veremos eso pero sí. Por ejemplo en Argentina se llama, creo que se dice: “Chabón” ¿Vale? Chabón. En otros países se dice, bueno en Argentina también se dice: “Pibe” ¿No? En México creo que se dice: “Wey” ¿No? Wey, wey. En otros países, en México también creo que se dice: “Chavo.” En Venezuela creo que se dice: “Pana”. En fin, cada país tiene una forma diferente de llamar a, de referirse a alguien, a un amigo, de a alguien conocido ¿No? O alguien, a una persona, a una mujer o a un hombre así ¿No? Por ejemplo en Argentina sé que se dice: “Flaca” ¿No? Flaco, flaca. Pibe o piba ¿Vale? Y en España hay otros nombres, hay también se usa por ejemplo: “Muchacho, chico, chaval, compañero.” Depende, depende del contexto ¿No? Depende de la situación pero bueno, digamos que en España sí, la palabra más usada es “Tío” para referirse, para cuando hablas con un amigo, le dices: “Tío” ¿No? Y también cuando hablas, cuando hablas de una persona, de un hombre que has visto, de un hombre que conoces ¿No? Para referirte a alguien dices: “Tío” ¿No? Por ejemplo, hoy he visto un tío, un tío muy raro, un tío muy raro que llevaba el pelo verde ¿No? En el autobús he visto a un tío que llevaba el pelo verde ¿Vale? Por ejemplo ¿No? O este tío, este tío es muy aburrido ¿No? Estás hablando con un amigo y hablas de otra persona, de otro hombre y dices: “Este tío, este tío es muy aburrido” ¿No? O es muy guay, este tío es un tío muy guay ¿No? Qué tío tan guay, qué tío tan estupendo. Me encanta, me cae muy bien este tío ¿No?

Toby Mathis and Jeff Webb of Anderson Advisors are here to answer all sorts of tax-related questions that focus on everything from applications to forms and QuickBooks. Do you have a tax question? Submit it to Webinar@andersonadvisors.com. Highlights/Topics: Will income earned by lending money to real estate investors reduce Social Security benefits or increase taxes on them? Income vs. earned income; until full retirement age, benefits are reduced; when full retirement age, it doesn't matter what you make How do I get the 20% deduction from Trump's Tax Plan? The 199A Deduction is a 20% deduction on qualified business income, but you need a pass-through entity; QBI 20% deduction vs. 20% of taxable income are compared, and you get whichever is less When you make a contribution out of your own account to your LLC as a member, are you taxed on contributions? No. It’s a contribution to an entity that becomes your capital and money you can take back out tax-free, if you haven't used it to recognize losses What is the best business structure recommended against asset, structure, and personal protection? With any passive activity, use a passive entity - LLC taxed as a partnership/limited partner; whomever has control of entity decides what's distributed What is the best way to set up QuickBooks when I have a Wyoming Holding LLC and several other LLCs holding real estate in other states? Create one set of books with Wyoming LLC as the primary; do a classified income statement for other states What are the tax forms for 501c3? Use Form 1023 to apply to be an exempt charitable organization; yearly recording forms include 990-N If someone has rentals in their self-directed IRA, how are they impacted as UBIT - does it make a difference on the number/dollar amount? No UBIT, if it's a rental; UBIT is for an active business inside an IRA; passive income is almost always exempt Can I have recourse debt in a 401K or IRA? Can I have non-recourse debt? You can’t have recourse debt, but you can have recourse debt What are my options to re-distribute funds from one LLC in several entities to separate investments? You can always move it from one to another with no tax implication Can I write off costs for rehabbing out of the country? Yes. Worldwide profits; if it's income-producing property, you report it to the United States I lent money to a real estate flipper. She gave me a promissory note, but it wasn’t recorded with the deed of trust. Now, she is in default. Can I foreclose? Document it because you can’t foreclose until you file your secured interest Is there anything I can do to reduce my taxable income? Yes. There are lots of things you can do - make contributions to qualified retirement plans, charities, and C Corp I purchased a new computer that cost less than $2,500. Is that a straight expense in the current tax year or some weird depreciation thing? Section 179 deduction; you can buy up to $1 million and write it all off For all questions/answers discussed, sign up to be a Platinum member to view the replay! Resources U.S. Social Security Administration Trump’s Tax Plan 199A Deduction QuickBooks Tax-Wise Workshop 501c3 Unrelated Business Income Tax (UBIT) 990-T 990-N Section 179 Deduction 1244 Election Kiddie Tax Anderson Advisors Tax and Asset Prevention Event Toby Mathis Anderson Advisors   Full Episode Transcript: Toby: Hey, guys. This is Toby Mathis with Jeff Webb again. Jeff: Good afternoon. Toby: If you don't know, Jeff Webb's a tax manager here, and I am one of the partners. I'm not an accountant but I'm an attorney. Jeff is actually a CPA. This is Tax Tuesdays. If you've never been on Tax Tuesdays before, all we do is answer all sorts of questions. Let me see here whether I've got the right question field up. Look at that. We've got a bunch of people asking questions. Let's see. We'll get to all your questions, making sure you can hear us in the question and answer part. Just say, "Yes, I can hear you loud and clear," to make sure that we're getting through to everybody. If you do that, then we appreciate it. There we go. I'm getting a whole bunch of "loud and clear", "loud and clear", "loud and clear". All right, if you don't know the format if Tax Tuesday, it goes like this. We answer a whole bunch of questions. We answer the questions that people ask via the email that I'll be giving you at the end of the webinar, and we grab a whole bunch of them, and we just start answering them. If we can't answer the question or the question that you ask is too complicated, too specific, too long, then I grab it and kick it off to a staff or we answer it the following week, depending on how cool a question it is. That being kind of the overview, this is where we're at. We're going to go through these and we're going to make sure that we're answering all the questions. Let's see if I can actually make these slides advance. Look at that. That's weird. I didn't even know what that W there is. It's kind of cool. "Will the income I earned by lending my money to my real estate investors reduced my social security benefits or increased my taxes on them?" That's an interesting question. There's, "How do I get a 20% deduction?" I'm picking these literally from people's emails so don't yell at me for the typos. "When you make a contribution funds to your own account to your LLC as a member, are you taxed on contributions that you contribute to an LLC?" "What is the best structure–" and that is the weirdest thing I've ever had. "What is the best structure recommended against asset, structure and personal protection for a Multi-Family Home Investor acquiring and holding rental properties, especially if working–" and I'm going to go through each one of these. "What is the best way to set up QuickBooks when I have a Wyoming Holding LLC and several other LLCs holding real estate in various other states?" Those are our opening questions. We have a few more. We're going to go through a ton of them, and I'm already getting a bunch of questions on the Q&A portion. We will get to those but, first, we're going to knock these ones out. The first question: "Will the income earned by lending money to real estate investors reduce my Social Security benefits or increase my taxes on them?" The first thing is there's the benefit itself. In this particular question, I looked it up and I believe there were 61, so they're receiving Social Security benefits before they reach the full retirement age. Full retirement age varies between 65 and 67. The reason this is important is because, once you reach that age, it doesn't matter what you make. Until you reach that age, you will have your benefits reduced on what you're receiving. When you're pulling out Social Security early, 50 cents on the dollar once you get over $17,080.Of course, it's indexed for inflation, but it's a little bit over $17,000. I think this year it's $17,080 or something like that. What that means is, if you are lending money, then that would be counted as income. However, if you're under the full retirement age, they only count earned income. The question here is, "Until you're at full retirement age, will the income earned by lending money to real estate investors reduce my Social Security benefits or increase my taxes on them?" The answer is a big, resounding, "No." This will not hurt you in any way. Once you hit full retirement age, now we have to be worried about how much of your social security becomes taxable. When they look at your tax ability of the benefit, now we're looking at all sorts of income, everything that you make, and it's going to push it up. That's the one where it's not that you reduce the benefit but it becomes taxable. Jeff: Fairly quickly, additional income starts making your Social Security benefits taxable. They're never going to be more than–85% of your benefits are never going to be taxable. I'm saying this totally backwards. Toby: What it means is that the most they're ever going to tax your benefits is 85% of them. If you're getting $20,000 of benefit, the most you'll ever pay tax on is $17,000. You'll still get $3,000, tax-free. The sad part is you didn't get, really, a deduction when they took it out the first place. That's the old double tax that you hear about with Social Security. Anything else you want jumped into? This is kind of stuff. It makes your brain go numb so you're doing it right. You're actually asking good questions. Jeff: Just the matter of when you should take Social Security is such a huge question. Toby: Because you can start taking it. When is the earliest, is it 64? Jeff: I'm going to say 62, but maybe it's earlier depending on their age. Toby: It does depend on their age. There is a before-a-threshold and after-a-threshold. Now, I forget what the threshold is. What you do is you go to the Social Security Administration and you run your scenarios and they'll give them all to you, or you can contact us. We have folks we could send you out to that have software because it is complicated. Depending on what month you were born in and all that stuff, how many days–all of this gets factored in as to what's the earliest you could start receiving benefits. Once you start receiving the benefit, they let you receive that benefit only so long as your income is low and it's your earned income. If you're trying to get the benefit when you're 62 and you make too much money, you're going to lose a bunch of the benefits. If you start making–if you're 62, start pulling out the benefit and you have passive income, not that big of a deal; it doesn't reduce it so that's really cool. Enough of that. It makes my head hurt, Social Security. Do not rely on Social Security. There, I said it. Yeah, Social Security is one of those things that, when it was set up, the average life expectancy of people on Social Security was two years. It was really there to catch you if you're really old and didn't have any other benefits. Now, we use it almost like it's a retirement plan that's not what it was intended for. That's why it doesn't work to do it. Here's the next one. "How do I get the 20% deduction from Trump's Tax Plan?" First off, it's not Trump's Tax Plan. It's the Tax Cut and Jobs Act and it was passed by our wonderful Congress because, technically–though, they seem to forget this–Presidents don't write laws. Now that we got that out of the way, they did put this thing called a 199A Deduction, which is a 20% deduction on qualified business income from pass-through entities. Follow me here. The first thing we need to have–and I'm going to write these up–is we need to have a pass-through entity, and you can be an LLC taxed as–this is a 1065 that's partnership, a sole proprietor or as an S Corp. Those are your choices. Technically, it could also be a trust. Then, you look at other entities, S Corps and just flat out partnerships, including limited partnerships, all that fun stuff. It's passing through; it doesn't pay its own tax. Then, you need qualified business income. I'm just going to call it QBI, which just means income. Generally speaking, it's active income, but they also include real estate, if you are making money on real estate in which you participate in some fashion. The only type of real estate that's not included as far as we can tell–because they're still giving us regulations on it, but the proposed regulations make clear that real estate, rental real estates included, is if you have a commercial building and triple-net leases that you're giving out where you're not really taking on much of the risk, then they're not going to let you have the qualified business income. Then, they compare that qualified business income 20% deduction versus 20% of your taxable income, whichever is less. Why is this important? Because if I'm a sole proprietor–let's say I have $50,000 that I'm making–that I would get a $10,000-deduction under the QBI. Let's say that I take and contribute into my retirement plan–a husband-and-wife sole proprietor is still the same thing, and they both put in–what's a good number–let's just say $10,000. Then, my taxable income is actually $40,000 because I rode off–I made tax-deductible contributions into my IRA of $10,000 so I would take the lesser of that. Then, they do this wonderful thing, is they then say, "Well, if it's a special service company, we're going to put a cap on how much QBI you can actually make." It's not really QBI; it's actually your taxable income, and they say, "We'll only let you ride off so long as your taxable income is below a threshold." If you're single, that threshold is $157,500, and there's a phase-out for the next $50,000. To make your head spin, it goes from $157,000 to $207,500. That's the easiest way to look at it. If you're married, filing jointly, those numbers are $315,000 to $415,000. Jeff: What's an example of a special service? Toby: Special services are something that it is you and your skill that makes the money, and they use–it's going to be doctors, lawyers, accountants, engineers, real estate agents who are solo, somebody who–it's their skill so like a carpenter who doesn't have a bunch of staff. That's going to be a special service. If you get above those thresholds, you are done. Somebody's asking a question which is pretty interesting. A single-member LLC counts. You have a flow under you so that's when you're sole proprietor or just going under your tax return that's passed through entity so you're fine. The interesting here is that you can control your taxable income. Even on those thresholds–and when we teach this in the class, we actually go through a learning chart where we say, "If this, then this. If this, then this." If you're a special service, we just need to make sure that we can control your income, and the way you control your income is by splitting it with tax-free, tax-exempt or separately-taxable entities. Let me give you an example. If I have a C Corp and it makes a bunch of money, great, that's not income to me. I don't want to pay myself a whole bunch of money and make whatever my other business is that is or where I'm going to meet the threshold taxable because I'm losing that 20% deduction. Let's say I have $200,000 coming in. As an individual, I can get some donations and deductions into a retirement plan and I get myself underneath that $157,000 and I have another $200,000 in C Corp that I pay myself. If I leave the $157,000 as is and I don't take any money out of the C Corp, I'm going to get a 30-something thousand dollar deduction. It's just going to come off the top. It's a 20% deduction so almost like I spent. If I took the money out of the C Corp–and, by the way, that C Corp is a flat 21% tax rate now so it's going to pay 21% so it's not horrific. If I paid myself that money, I push my taxable income over the threshold, now I get 0 deduction on my qualified business income. That's why it's important. If it is not a special service, then those thresholds trigger something else. It takes us to an area where we can write off up to 50% of the W2 income or 25% of the W2 income for the business plus 2.5% of the assets. Jeff: No, you're right. I'm just jumping ahead of you. Toby: Yeah, so what we're looking at, then, is you better have a regular business that actually has salaries. If you, for example, as a sole proprietor, single, are making–what would be a good example–$200,000 and you're over the threshold, you're phasing out, you'd have to go to the second test. You're over the 157 and the second test is now pushing you at 50% of W2 wages, and you have zero so your deduction is going to be zero. You're going to get literally nothing. You might get a few dollars because you're not quite at the 207, which is the top line of the actual phase-out so you'd be phased out about 90% plus of the benefit. Now, let's say you converted that sole proprietorship to an S Corp and, instead, you paid yourself a salary, so same situation, $200,000. Let's say I paid you $75,000 of salary. Then, the QBI or the monies that's flowing through is actually the net income and net profit, so you'd subtract the 75 off. It would be $125,000. You compare 20% of that number, which I should grab the calculator, whatever that number is. Jeff: It'd be 25,000. Toby: Yeah, 25,000, and we would compare it to one-half of the W2 income, which would be 37,500. You'd get the lesser of the two. You'd get a $25,000-deduction just because of the type of entity. That's the one I have to do. Somebody just said, "I have almost 300K in real estate and other income. Is there anything I can do?" A single person? Yeah, there's something you can do because, remember, it depends on whether you're special service and then it depends on the business, and there's one last thing: It always comes down to your taxable income. "What other ways can I use to control my taxable income?" The most obvious is I split it with a C Corp, I give it to charity–and it could be my charity–or I deduct it by putting it into a tax-deferred retirement plan. For example, same situation, I'll use the $200,000 and they do a 401K. They put a husband and wife each–they're under 50. They each contribute 18,500–or, actually, the example I used was a single person so I would have to say I put 18,500 and in, and they get a 25% deduction on the 75,000. They would put in–again, I'm using crazy numbers so what would that be? About $18,750 or whatever that is–around under $19,000. I can put, in essence, about $37,000 right into the 401K, and that reduces my taxable income. The taxable income goes from 200 down to almost the threshold, and now I don't have to worry about it. It makes my life so much easier. I'm just going to get a nice big, fat deduction and I'm happy as a clam. That's how this stuff works, but if you don't do it before the year ends, you're toast. This is going to be my–this is why you need to have some sort of somebody doing tax planning. How do I get the 20% deduction from the new tax act? Very deliberately. You make sure that you have the income flowing under your return and then you make sure that, if there's a disqualifying factor that would cause you to lose it, that you look and say, "What's better? To just walk away from it and not worry about it or would I be better to take a couple of actions to allow myself to take advantage of the deduction?" It's a freebie, guys. If I make $20,000 in real estate, that rental real estate–that's my net after all my depreciation–I get a $4,000-deduction. I'm only recognizing 16,000 under this taxable income so that's a nice little benefit especially if I'm a high-income person so that's what I'd be looking at. Jeff, do you want to do this one because I'm […] barding the answers again? Jeff: No, that's alright. "When you make a contribution out of your own account to your LLC as a member, are you taxed on contributions that you contribute to the LLC?" No, actually, you're not. That is a contribution to an entity that becomes your capital, your owner's equity–we can call it a lot of things–your owner's capital in that company. That's actually money that you can take back out also tax-free assuming that you haven't used it up to recognize losses or maybe other things like that. Toby: We get that a lot. I'll give you a real-life example. Some guys were doing a syndication on apartment buildings and they were telling people, "Hey, we're going to return your capital out of the profits and you're not going to have to pay any tax on the money that you receive up to your investment." I said, "Hey, that's not really the case." Here's how it works: I can always get back my contribution, and it's tax-neutral; it means nothing. If the company makes zero, no profit, it can always give me back my money and I pay no tax, but if the company makes money, I'm taxed on my portion of that gain no matter what even if they're giving me extra. I was like–what they were doing was they were saying, "Here's a little thing. We'll make some profit. We'll just give you your money back. You want to pay tax on it?" I was like, "No, that's not how it works. You actually have to pay tax on the profit in proportion to your ownership, and it's a little bit funky." Jeff: This is a case that, sometimes, we see where a client will tell us, "I had deposits of $100,000 into my business," and what they fail to tell us is that 50,000 of it was their own money. We want to make sure that we're able to differentiate what the owners are putting into the company versus what income they're making in the company. Toby: There's a couple of questions. Somebody says, "My head is spinning." We do record this. If you're platinum, you're going to get a recording of it in your little platinum area. Somebody asks, "Is this pre-recorded?" No, it's not. We're doing it live but I'm answering the questions that people have emailed me first and, yes, we have about 50 questions that are in the queue that we're going to go through here in a second. Jeff: We don't have a three-second delay or anything? Toby: No, I don't think so. I could give you a 10-second delay. All right, "What is the best business structure recommended against asset, structure and personal protection?" I don't know what that means. I'm going to assume they mean to protect the business–for a Multi-Family Home Investor acquiring and holding rental properties, especially if working as a team member with other investors? Here's what I'm going to say: Anytime you have a passive activity–that is, when you buy the property or the cash flow and the appreciation–you're going to want to use a passive entity, meaning an LLC taxed as a partnership or a limited partner. Don't do anything else. That's it. There's maybe some really weird exceptions but I'm going to say, 99% of the time, you're going to end up using an LLC, and it's either going to be disregarded even if you have other people in or it's going to be a partnership. If anybody does anything differently, they're doing some weird stuff. If you have other investors, then it depends on your relationship with those investors. I'm not going to going to get into securities, Reg Ds and all that but, generally speaking, you're going to have it taxed as a partnership, but the most important consideration is always going to be control, who has control of that entity, because that's who decides what's distributed. That partnership agreement or the operating agreement of the LLC is really going to be important. You do not want to do this stuff half-arsed. You want to make sure that you're actually really addressing this stuff. At Anderson, we tend to be very protective of the manager, meaning we want you to have control. If it's your project, we don't want people to force you to do stuff and, on the flip side, if you're investing and you're a client, we're always going to say, "You don't want to be forced to kick in more capital against your will." Those are the things we always look at. Where does that one go? Here we go. "What is the best way to set up QuickBooks when I have a Wyoming–" and this is going to be so you, Jeff, because Jeff loves QuickBooks. "What is the best way to set up QuickBooks when I have a Wyoming Holding LLC with several other LLCs holding real estate in various other states?" I'm going to draw this. There's my Wyoming LLC. It's either going to be a 1065 or disregarded, and it holds all these cute little LLCs in other states. Let's say this is Texas LLC, Washington LLC, Nevada LLC, Georgia LLC, and they're all going to flow up to that Wyoming. I want to keep my books straight because, if you know QuickBooks, they will sell you QuickBooks for this one, this one and this one. You'll end up with four sets of QuickBooks and you'll drive yourself crazy. What do you do, Jeff? Jeff: Here's what we like to do: We like to create one set of books with the Wyoming LLC at the top being the primary set of books. Then, what we do is what we call a classified income statement where each of these four LLCs below the Georgia, Nevada, Washington and Texas where they're all kind of their own set of books within your Wyoming LLC books. All this income is going to flow from those bottom four up to the top one anyway and, while we need to keep the entities separate so we can report them that way, ultimately, what we're reporting is what's coming through the whole kit and caboodle. Toby: Yeah, we only need to worry about setting up QuickBooks for this guy right here, and then we set up these guys as classes. All that means is we have one set of books. Jeff: Yeah. You can still pull an income statement for your Georgia LLC or your Texas LLC to see what's just in that but, all in all, you still have one set of books. It makes it easier and you don't have all these inter-company transfers that you have to track. Toby: Oh my god. I'll tell you, we're horrible on that. He's giving me the look. See, here's the problem, is if you have different companies with different sets of books, you've got to close out the previous sets of books and then open up the new company. It's a process and it takes a few minutes and it's really annoying when you're trying to enter stuff into it. It's going to save you a whole bunch of time to use one set. Jeff: Yeah, then you don't run into things like, "Well, I transferred money from Georgia, the taxes that I did it, I record it in both companies." When you record them on one, you end up re-recording it in both. Toby: Yeah, and there's some fun stuff. Some of them just ask for a basic QuickBooks question, jump in the line. It's hard to set up classes in QuickBooks, not horribly, but if you don’t want to learn–QuickBooks is one of those things where you're going to spend some time with it. You just have a bookkeeper do it. Anderson does that if you want. All right. If you have questions–you guys, I know you do because there's a ton of them already in the little queue here. Here's how it works: If you want to ask a more detailed question, if you have a question that you didn't hear answered on the webinar, you can just email them on in to webinar@andersonadvisors.com, and, that way, we can put it in that queue and we can answer it just like we just did. We're going to break those out. Those will be separate little videos, each one of those, so that you get your answer. Somebody was saying, "My head was spinning about 199A." You can go back and listen to that. Better yet, you can come to some of our other webinars or come, actually, to the Tax-Wise Workshop and we go through this stuff. Spend some time with us. If you invest a little bit of time in taxes, it will pay off in spades. Other questions–some people just answered this stuff. "Can you go over the tax forms for 501c3? Jeff: There's a couple of forms for the 501c3. To apply the BF 5O1c3, there's what's called the Form 1023. It's the application to be an exempt charitable organization. Then, there's several different yearly recording forms. The 990 is the primary one where you report, among other things, what your income was, what your balance sheet looks like, your plan, your purpose, who you've dealt with. What were you going to say? Come on. Toby: Basically, if you're making less than $50,000 in your 501c3, you're doing a 990 post-note card. You're just doing a real basic here. Literally, it looks like a postcard. Jeff: They don't do that anymore. Toby: I thought they're still– Jeff: All these old people still call it postcards, but it's a… Toby: They do that in the 10… Jeff: But it's a 990N and it's filed electronically. Toby: Yeah, I know but it's the same thing. Jeff: It's still close. Okay. Toby: It's a postcard. Oh, my god. Yeah, you do it electronically now but it's really simple. You go above that, then you're going to be filing a little more detail. You get about 250, you're filing very detailed. Never do it yourself. Just hire an accountant to do it, and those guys–we do them. They're not horrifically complicated unless you have a huge void that everybody's taking money. You go American Red Cross, you can go look at the actual tax forms that everybody files because they're all public record. You can go in there and take a look at anybody and see just how complicated it is. What you'll realize is that the more the stuff they're doing, the more complicated it gets, and not doing ton it is pretty simple. We have ones that are $5 million non-profits and it's a few pages. Then, you have ones that are $1 million but they've got everybody and their mother with their hands in the thing, and you're doing a lot of reporting. That one might be more complicated. If you're a church, you don't file anything. If you're religious and you're a religious organization, you don't file anything; you file zero tax forms. Jeff: When you have an accountant do these 990s for you, they're going to ask you a lot of questions because there's a lot of questions on the form that they don't have the answer to, basically about what it is the non-profit does and things like that. Toby: All right. "If someone has rentals in their–" basically, again, if you have those tax forms, this is one other thing, is that's the tax compliance on an annual basis. If you're setting up a 501c3, you are doing–more than likely, 501c3 is an application called a 1023. If you're doing a 501C6 or some of these others, that's a 1024. Jeff: Wow, I'm impressed. Toby: Yeah, sorry. It's stuck in my head. Those are the applications for exempt status. Your business, your non-profit, is in existence and it's considered exempt from Day 1. Even though you haven't gotten your exemption approved, you actually have 28 or 29 months to get approved, and it relates back to the day that you started. You can actually do a 501c3 and be up and running in a matter of weeks if you want to. All right, from Lisa: "If someone has rentals in their self-directed IRA, how is it impacted as far as unrelated business income tax (UBIT) and does it make a difference on the number or dollar amount?" You want to do this one or would you like me to? Jeff: Why don't you do this one? Toby: All right. Self-directed IRA and it has real estate? You have no UBIT if it's just rental. That's not unrelated business income tax. Unrelated business income tax is when you're doing an active business inside an exempt organization, inside an IRA, or church, or something else, and you're running a mini-mart then they tax you on it because it's unrelated business income so not related to your exempt purpose so they tax you on it. Passive income's always going to be–I shouldn't say "always"; it's almost always exempt. I guess there's possible–if you have some royalty stuff, it's possible, if you're advertising, that the exempt organization tax, but for your IRA for rentals, don't worry about it. Here's what you worry about when you're doing an IRA with rentals: It's usually the case–this is what we've seen–is that people will oftentimes want to lever that real estate. In an IRA, you have something called–I'm just going to blank on it–unrelated debt financed income. There we go, UDFI. Unrelated debt financed income means–or just call it debt finance income–the portion of the profits that are coming from the debt. If I have a piece of property, I have a 50% loan on it, then 50% of its income is going to be taxable to the IRA. It's not allowed to have that type of loan and not pay tax on it. A 401K is allowed to have that type of loan, and it doesn't pay tax on it. It's one of those weird things where you're like, "Hey, should I be an IRA or 401K?" More often than not in our world, you're going to want to be the 401K. It has different rules, and one of the big ones is the ability to use debt. Now, here's something for you. I think I had poll questions on this. This is fun. I'm going to send a poll out to see whether you guys are listening. You guys can answer this, and what it is, "Can I have recourse debt in a 401K or IRA?" Let's see about that. Isn't this kind of cool? Jeff: It is cool. Toby: We're going to see whether or not you can have recourse debt in a 401K or IRA. For those of you who don't know what recourse debt, recourse means, "I can go after you. I have recourse, and I can go–" basically, a personal guarantee, personal guarantor. We got a lot of people voting. I will share the results with you once we're there. Jeff: What if Lisa is flipping instead of renting in an IRA? Toby: Then, we don't have any cases on it. Jeff: Great. Toby: What we always say is do five at a max. Here's the thing: If you disqualify an IRA, the whole thing's disqualified. What I want to do is if I'm flipping in a self-directed IRA, I want to make sure only that money is in that IRA so if I have a disqualifying event, it's only for that one little IRA. So, I may have two or three IRAs. Good news: People are listening. That's always good news. We have about–50% of you guys voted. I'm going to go ahead and close this thing in about a few seconds. Let's see. There, I closed it and now I'm going to share it with you. Do you want me to tell you the answer? You cannot have recourse debt. 36% of you guys just disqualified your plans, and you have a 10% penalty plus it's all taxable. Sorry to say that you just destroyed your plan, but you cannot have recourse. This is half the fun. What's the next question I could ask you? I could throw up another poll at you. Let's see. Get out of there. Let me see if I can do this. All right, what's the next one? Here's a better one: Now that you know you can't have recourse debt, I'm going to launch a new poll. "Can I have non-recourse debt in an IRA or 401K?" This is where accountants and tax lawyers have– Jeff: Disagreements? Toby: No, this is where it's so much fun. Are you kidding? Let's see. Somebody's saying, "No." What is non-recourse? Non-recourse means you can't hold the person responsible. There's no personal guarantor. You can only go after the property so the property is truly asset-based lending. There's nobody on the hook for that loan if it goes south. A typical non-recourse loan in a plan–this is kind of cheap because it's going to give you the answer–is they're going to look at the other plan assets and so they're going to secure the other plan assets. They're going to make sure that they're not over-leveraged. In other words, they're not going to give you a 99% loan to value; they're going to give you a 60% loan to value or 50% loan to value. We'll see if you guys still get the answer even though I just basically gave it to you. This is fun. I'm just going to stop this one and I'm going to share it because the numbers are pretty done. It looks like 86% of you said, "Yes." Can I have non-recourse debt? 86% of you are correct. You can have recourse debt. Here's the trick: In an IRA, that non-recourse debt creates debt finance income so you have to pay tax on the portion that you're making but it doesn't disqualify your plan. In a 401K, you do not pay the debt finance income, and some of you guys are not too pleased with me for that, but I'm getting giggles out of it. That's enough with polls. I could have polls all day long and we would have a lot of fun. Last one: "I hold some assets in LLC–"and, by the way, this is the last one from people that have shot it in but it says, "You don't pay tax until withdrawal, correct?" No, if you have debt finance income, you're paying it in the year in which the debt finance income–you actually file a 990 T. You actually have to report it. "I have some assets in an LLC that is a day-trading entity." You're brave. "If this generates sizable profits–" I just love traders. "What options are out there to re-distribute funds from one LLC in several entities to the separate investments?" You can always move–if it's yours, it's like–an LLC is a safe so I can always move it from one safe to another, no tax implication. This is one of the questions we had earlier. I can always put money in, take it out. Somebody was talking about an opportunity zone. The opportunity zone's awesome. It's where you take capital gains and invest them in the opportunity zone. It's actually called the growth opportunity zone, and you defer the tax on that income. The max amount you can defer that tax is until 2025 right now. Then, you get a portion of that as non-taxable. Then, the growth–if you leave it in the opportunity zone for 10 years, all that growth and the gains on the investment itself are tax-free, and that's pretty interesting. Growth opportunities, we'll be talking about that as they give us more information. Somebody says, "Can you take the poll down?" I thought I did. I'll make sure polls, hide. There we go. Sorry about that, guys. Everybody's telling me, "Flip off the poll." I'm flipping it off. I like your opportunity zone discussion, and think about a bank, and loan out funds to other LLCs you use. You could do that. Then, it's interest unless it's all you. In which case, you don't charge yourself interests. "I am told that funds in an LLC are much like funds in a savings account. I pay taxes on the gains my funds make, and funds can be withdrawn at any time." That is true as long as it's disregarded or taxed as a partnership. I want to make sure that we're very clear. LLCs that are partnerships are disregarded. Yes, you can do that. If it's an LLC taxed as a corporation or LLC taxes in S Corp, little bit different. An S Corp probably has a huge difference. Jeff: Yeah. You can even pull securities out–even if it's a partnership–pull securities out and put them somewhere else. Like what Toby's saying, if it's an S Corporation or corporation, if you pull securities out of a corporation, you have to recognize gain immediately. Toby: It sucks. Appreciated assets is considered wages, right? Use an example here. Jeff: We had a client who had a couple of $100,000 of securities in a corporation, wanted to move it somewhere else, and we tried to explain to him that if he pulls securities out that are now worth 250 and he's only got a basis of $100,000, he's going to have capital gains of $125,000 in that corporation. The corporation will pay gains and then, for you to take it out, that's got to come from somewhere else, so either a salary, roan repayments or dividends. It doesn't work out well. Toby: No Bueno. The other one is people that real estate in an S Corp and then they need to take it out to refile it or something. All that appreciation is wages. It's horrific and so we have oftentimes say, "Hey, if you're going to do this S Corp, it's cool." The capital gains still flow down to you; it's just that you can't take it out. You've got to leave it in there. Jeff: Can we  re-running into that more and more where the banks are running to take it out of the LLCs and stuff? Toby: They got horribly hosed during the downturn of people doing weird stuff. What happened is I would do a financing in an entity. Say I'm the owner, and then I would sell Jeff my ownership and the entity and the bank had no idea that I'm no longer the guy that they were dealing with that they gave the loan to in their mind and had sold his interests. They had no idea. One day, Jeff comes back in and says, "By the way, I'm the owner of this LLC, not the guy that you loaned the money to." No Bueno. They don't like that. All right, we got a lot of questions to go through so if you have questions, you can always email them in. I'm going to start going out through these things, and we have questions from almost an hour ago. People were asking questions before we even started. "I did a cash-out refinance from my residence to invest in private lending or to buy rentals. California only allows 150,000 to deduct interest expense for residence." That's actually the new federal rule. "For the portion that is more than 750, can I deduct the interest as investment expense?" All right, so here's the rule–and, Jeff, I'm [...] barding, but I deal with this stuff all the time. Your new limit is–unless you owned your house prior to–during 27 and perhaps during the first quarter of 2018 if your loan was already in process before December 15th of 2017, don't try to remember this stuff; just know that if you're in that weird period, you may qualify, then you're up to a million, but it has to be for acquisition indebtedness. Acquisition indebtedness means, "I bought the house," or, "I improved the house." That's for the mortgage person to be deductible on your Schedule A, which is your itemized deduction. If you're using the money for something else, then it has to be deductible on that something else. For example, if I am buying rental real estate, then the interest–you'd be writing off the interest on your Schedule A, essentially, against the income from that rental real estate. You are no longer writing off your mortgage interest personally as the individual residing in it; you are now writing it off as part of an investment. Anything you wanted to add on that? Jeff: No. If we're talking about buying a piece of investment property like you're just going out and buying more land, hoping that it'll go up in value, then it would be considered investment interests and go back on Schedule A. Typically, we want to keep it–if it's in a business interest or rental property, something like that, we want to keep it there. Toby: Again, the Canadians have been dealing with this for a lot longer than us guys. You cannot write off interest if it's not for your home in Canada unless it was used for an investment. People actually have to go re-file their houses, they get all the cash they could, pay down their house, re-file it so they could show that they used it for an investment so they could actually write off the interest. I think it was called Scotts transactions. It's weird. Hey, I'm not Canadian. This is another question: "Say I deducted a newsletter subscription in 2017 but received a refund for it in 2018. Do I need to add this back as income in 2018 or no?" If you wrote it off and it means your basis is zero, give you the money back, what does that sound like? Jeff: Income. Toby: Income. It is income. At the same time, I see people saying, "Hey, what if I reimburse myself from my cell phone out of two companies?" Now, each reimbursement represents–I said, "Well, you can reimburse yourself up to your expense. Anything above that is income so it becomes taxable." Fun stuff. Yes, you would report it, but only–your cash basis tax first. You report it in the year that you received the money back. "You've saved me so much money. I call y'all my friends." I love that when I get stuff like that. That's not really a question but I'm going to repeat it because it's better than, "Flip off the poll." Not that I had too many of those, but I had a few. "Can I write off costs for rehabbing out of the country?" This sounds like something for Jeff. Can you write off? US taxes. Jeff: Yeah, you do have investment in another country. Toby: Worldwide profits, baby. Yes. Jeff: If it's income-producing property, you're going to be reporting that to the United States. Any expenses you have on that property will go towards that also. Toby: If you're rehabbing a property, it sounds like dealer activity and active business. I may be little interest–I probably want to be looking at structures in the Bahamas if that's where it is. I'd be looking at something that's taxable there so you don't get into treaties and all sorts of fun stuff. "Do I have to pay $800 off the top to the franchise tax board when we start our corporation?" Jeff: No, California has an exemption to corporations that are first year only. Toby: Yeah, and that $800–this is, if you like tax cases, there's Veritas 1, there's Veritas 2, there's Northwest Energetic Services, there's Bakersfield Mall, and they're all versus your friendly–what is it called? Not the franchise tax. No, it's whatever. I forget what they're called. Jeff: We know what it's called. Toby: Yeah. Anyway, I'll remember it as soon as I could. I'm trying to think about it, but they keep suing the Board of Equalization, the BoE. It's $800 and they say that's the minimum tax, but they say, really, it's a fee because if it was a tax, then it'd be an unconstitutional tax because it's not attached to the income. They keep trying to call it a fee. They lose and then they change it a little bit and they lose again. That's just an aside. California is kind of evil. "We live in Washington. We have a Nevada C Corp which fully owns a watch and LLC and employs the kids. What are the recommended strategies to optimize for college tuition?" Wow, so you're doing a great thing. You are going to run them through payroll. When you're applying for things like scholarships, if it's going to be based on income, you're going to show that income. You're going to show those returns, but those kids should–most of that income is going to probably be underneath the standard deduction. Right now, it's $12,000. They're going to pay zero and they're going to pay very little on any amount over that. Plus, if you're smart, you're putting some of that money in a Roth IRA and they're never going to pay tax on that. It's smart to do this with your kids. If I paid tuition out of my tax bracket, it's coming out of my highest tax bracket. If I'm in the highest tax bracket, that's 37%. If my kids pay for their tuition and are working for the company, and they have to do something, then they pay at a third tax bracket, which, quite often, is zero. I do this with my own daughter. Last year, I think we paid $500 in taxes total for the year when it cost me $8,000 if I was doing it, but she has to do something. She has to actually work for the company and do stuff for the company. Other stuff you could do to optimize is dump it into–defer it into a retirement plan. If you want to do a 401K, they can put the first 18,500 of their income and they can defer it. You're still reporting it. I'm not sure it'll have an impact on scholarships or not. I have not seen it have much of an impact, but that's what I'd be doing, is the benefits far outweigh anything with this on the scholarship side. It is huge. Here's one: "I lent money to a real estate flipper. She gave me a promissory note, but it was not recorded with the deed of trust. Now, she is in default. Can I foreclose?" When you loan money to a flipper with no deed of trust, that's called a gift. I'm just kidding. You need to make sure that you're documenting it. You cannot foreclose until you actually file your secured interest. You got to have it filed and then, yes, you can actually start foreclosure proceedings if you want, if they don't pay it. You definitely want to make sure that, when you're giving notes–there's something called "first in time, first in right". You want to make sure you know it's recorded and you have your deed of trust against that house. Otherwise, somebody else could go slap theirs on first. There's also places where they get priority. In Nevada, for example, the HoAs get super liens. They actually step in front of the primary lender. It sounds weird but it's true. You want to make sure that you're documenting your loan and covering yourself as best you can, make sure that you're getting a personal guarantee and, if they have any other assets, you may want to slap a lien on those, too. All right, "With a new company, there's quite a lot of expense reimbursements. Since I don't have a lot of revenue yet, I haven't paid it back. Is it okay to carry it over a year or should I go ahead and pay it back even though I'm still in the red?" Jeff, this sounds like you unless you're zoning out there. She has a new company, she has lots of expenses, she doesn't have any money that she's made yet, so should they pay it back, carry it forward? "Can I pay myself, reimburse myself in the future year?" The answer is yes, you could reimburse yourself whenever. The question really becomes, "Do I want to capture all my startup expenses in the first year?" Jeff: Yeah, I think you do. You want to capture as many expenses as possible even if you're not getting directly reimbursed right away. Toby: Yeah, you have two choices whenever you fund a company. You can fund it with your cash and then it's going to have a loss and it's going to carry that loss forward if it's a C Corp. If it's an S Corp, you can actually take that loss. I've contributed $20,000. That's my basis and it loses 20,000 and, technically, I'd have a $20,000-loss with an S Corp. Usually, we're seeing this in C Corps, and you just carry it is a payable and a receivable. It's payable to you, you would say, "Hey, it owes me some money. It's kind of like this." I always use Krispy Kreme in my examples. I go out for Anderson and I bring in 12 dozen Krispy Kreme for a meeting or something, and the others say, "Hey, I'll pay you back but we don't have the money right now." It doesn't mean that it goes away; it means that I'm sitting there, waiting for them to pay me back. If they pay me back in two years, all it means is they can't write that off as a deduction until they pay me back so they're not going to have a loss if I'm carrying it as an IOU. If I give them the money to buy the doughnuts and they buy the doughnuts, they get the loss right away even though they haven't returned my money to me. They could return that money to me at any time. For me, it's always going to be tax-neutral. "Do I need to be on payroll with my real estate income or can I just take distributions from my LLC?" This is regarding Trump's 20% deduction on the plan. If it's investment real estate, you never have to take a seller as long as it's rental real estate. If it's flipping and it's in an S Corp, then you would have to take some salary if you're taking distributions. I don’t want to twist it. This sounds like it's just an LLC with rental property. You do not have to take it. The 20% is for 2018 onwards. If they think that it has a sunset clause, the end of 2025. Is it the end of 2025 that it ends? Jeff: Yeah. Toby: Yeah, so 2025. Here's a really long one. Boy, this is a really long one. Let me see if I can condense this. "I have a Wyoming LLC that is the sole member of a second LLC that is disregarded entity. I funded the Wyoming with 8,500 and the Wyoming funded the other bookkeeping QuickBooks balance sheet shows an owner equity 100% of 16,500. This is offset a balance sheet with capital contribution. While this does end up with net equity of 85, it gives the impression of the equity, which is incorrect. Is there a different way of handling?" Do you see what they're doing? Jeff: This is what we call–anytime you have combined financials or tax returns, you're going to have a–you may have a payable from one to the other where you've lent money to the other company, but when you do the combined financial or tax return, this is what you call an eliminating entry. If you lent $8,500 to one, those two entries are going to offset each other and it's going to be zero on your tax return. Toby: He's looking at it and saying, "Hey, they took the eight that I put into the second and added it to the 8,500 that I put in the first," and it's only 8,500 and then 8 went to the second LLC. Jeff: Yeah, I think you just need to clarify that it was the same money that– Toby: We're doing it and we'll take a look at it. We'll grab that name and, when we can, I'll print this out. "Can SMLLC, single-member LLC, disregard an entity under an MMLLC, which is a multi-member LLC taxed as a partnership, be converted to a single, multi-member LLC taxed as if–" you guys are killing me, "And would the tax changes be implemented?" What you're really saying, Billy, is, "Can I spin off a single-member LLC, make it into a multi-member LLC and change it to an S Corp?" The answer is yes. We just have to make sure that we follow the S Corp rules, which means there's got to be natural persons owning it, resident aliens–if it's somebody from out of the country, that they reside in the United States in certain trusts and even certain single-member LLCs. All right, to the question about–this refers to qualified business income. Sorry for lack of a better–no, Janet, you've already got it. "Since rental real estate is included for the 20%, are you also required to be a rep for that to be true?" No. You automatically get it. "High-tech network engineer, does it qualify as special services?" If you're not a network engineer and it's just you, then I would say probably yes. If you have a company and it's not so much you but your company has its own–like it's lots of people and it's just known, then the answer is no. Then, you're not. Jeff: Yeah, there were some specific carve-outs. I think the architects got a carve-out of this, but there's a few industries that have been specifically exempted from those specialized industries. Toby: I'm not sure but software engineer–I would say that if it's just you, chances are going to be under the special services. "When I file taxes, the taxes for the rental property show up on my tax showing a schedule form that is Schedule E. I almost $300,000 with my real estate and other income as a single woman." I think we already talked about this one. "Is there anything I can do to reduce my taxable income?" Yes, Janet, you can make contributions to qualified retirement plans. You can make contributions to charities, including your own. You can make contributions to C Corp if it has a business relationship. There are lots of things you can do or, if you have anybody that you need to pay salaries to like kids or somebody that's working with you, that would be something else you could do to lower the taxable income. "If you were writing out another slide, it's not showing up on my computer." Sorry, Sir. I think that's where all they go. "What about an IOL as a tax-deferred compensation for my property management income?" That would not work. An IOL is tax-neutral although you can do tax-deferred compensation where it's taxable to the entity and it's not taxable to you under certain circumstances. If I do tax-deferred income like, "Hey, I'm taking deferred compensation," I need to be at a losing. Usually, non-compete is going to be the thing that makes it work. We use these especially in the non-profit world where somebody says, "I don't want to be paid; I want to work, but I do want to get paid eventually for all the work I'm doing now. Rather than pay me this year, pay me when I'm 65 and maybe I wipe it out or not, but as long as I have a non-compete with that–" it's saying, "Hey, basically, if you go work for somebody else in a competing industry, you lose all that deferred compensation." You should be good. "I purchased a new computer that cost less than $2,500. Is that a straight expense in the current tax year or some weird depreciation thing?" Dean, it's called a Section 179 deduction. You can buy up to $1 million, you're good. You can write it all off. Otherwise, that would be depreciated. They also have 100% bonus depreciation, so we're going to catch it no matter what. Bonus depreciation is, if it's less than a 15-year property, you can write it off this year. You're not required to. Somebody says, "Is 199A or that 20% a 20% tax deduction or a 20% reduction?" No, it's a 20% deduction against your qualified business income. The net effect could be much more than 20% depending on your tax bracket. If you're not in a high tax bracket, then the net effect won't be huge. If I'm in the highest tax bracket in a state that's taxing me where I'm at 50%, that 20% deduction could be worth a ton. It could be worth significant amounts especially if I'm in a company that's not a specialized service and I meet the requirements. I could have hundreds and thousands of dollars of qualified business income being exempted, and that could be worth hundreds and thousands of dollars to me from a tax standpoint. We already did this one. Somebody who had their spinning left. You can go in bite-sized pieces, guys. We're going to break these things down, and I understand that we're going through fast, but that's half the fun. We're not dwindling around here. "My self-directed IRA received a K1 for net rental loss for a passive investment of $50,000. Do I need to file a 990 T to show loss? Does the IRA custodian sign the return or can I sign?" Jeff: Here's what happens: If your IRA is a partner in a partnership, that partnership is required to issue a K1 to all of its partners. That doesn't mean you have to do anything with the K1 in your IRA. You're not going to recognize any taxable income until you actually start taking money out of the IRA, especially since this is a rental property we're talking about. Toby: Cool. Hey, this is a really good one. By the way, if you ever do a 990 T and it says self-directed IRA, your custodian does have to sign, and they like to charge you for that. "401K, 401K." "I have a C Corp with accumulated losses and would rather close it than repurpose it. Is there a way to direct the loss of my personal taxes? Is it possible?" The answer is yes. It's called a 1244 election. It should have been made when you issued your stock. If Anderson did your C Corp, we already did that because I do it with every single corporation. You can then write off as a single person up to $50,000 or up to $100,000 if married, filing jointly, and then it could be used to offset even your W2 income. Jeff: Going back to one of the earlier questions, this is one reason we want to start recognizing reimbursements and stuff as early as possible to establish those debts to you early on. Toby: Yeah, I had this happen and we actually had–the one time this was ever audited was because this accountant refused to give him a $67,000-deduction. It was one of our clients who was a trader who was ready to launch and go into his business and then his employer made him an offer he couldn't refuse and gave him a whole bunch of our money. He took a $67,000-loss. He had never made a dollar in the corporation. We went under audit. We won. Yay. It took two seconds because it was a single letter and we gave him the law, and it's a statute. The IRS is just a policing agency. If there's a statute that's clear, they don't sit there and fight with it. I think it was a $38,000-reimbursement–what do you call it–refund. Awesome first-timer. We love first-timers. Thank you for joining us. "I want to receive an invite, a reminder to a different email." We can give you that. You can always use this when you register for the Tax Tuesday. Just put in your other email. "Interested doing sandwich lease options. What is the best business structure and what document can you provide to protect myself from sellers suing me if a tenant or buyer stops paying rent or if a tenant or buyer trashes the home?" That's a tough one. You're literally leasing it and then re-leasing it with the right to buy. Let me think about this one. How am I going to do this? I'm going to be doing that through an entity. The way you protect yourself is to keep very little amounts of asset in that entity so that if you're sued, it's not you; it's the entity itself, and the entity doesn't have much to lose. That's a tough one. I tend to stay away from stuff like that. I want to buy the property and then you do a lease option in an LLC. Jeff: Make sure you have insurance. Toby: Yup, make sure you have insurance, too. That could happen so the tenant trashes the place and somebody else says, "Hey, wait a second." That's why there's always risk. What you do is you just keep it to a low. "Is it hard to set up classes in QuickBooks? Does Anderson do this?" It's not hard and, yes, we do it. "How long does it take to set up a class in QuickBooks?" Jeff: No, you'd have to ask bookkeepers. Toby: Jeff's such an accountant. Yes, it's actually very easy. Jeff: Actually, the bookkeepers are really good at it. They do it all the time. Toby: It's literally all you're doing, is setting up another class. It's almost like a revenue class so you might have revenue that comes in from plumbing and then selling products in your plumbing business and then, "Hey, I have one that's a consulting," and that might be another class. It literally takes two seconds. "What if the Wyoming LLC owns a C Corp which owns an LLC?" I don't know what that means, but what we mean is–I imagine for the 199A. We're just going to look at it is the C Corp owns an LLC that's not going to be qualified for the 20% deduction. The LLC that owns the C Corp, if it's doing other activities, might qualify for the deduction. Here's the problem: In the qualified business, the part I didn't tell you about is what is qualified business income. Dividends, interest, capital gains are not included in that definition so if you're issuing interest from a C Corp to the LLC that flows under your return, you're not going to be getting the 20%. "If you set up QuickBooks with a single entity and use class as a separate income, can you also print a balance sheet by class?" Jeff: Yes, you can do it if the balance sheet is also classified. Toby: Okay. See, we're good. We're getting there. We only have about 200 more questions to go. I'm just teasing you. We've gone through about three-quarters of them. "What is Jeff's last name?" Webb. "I have a rental company. This will be my first year doing taxes. What can I expect to pay on my capital gains? What are some determining factors?" Isaac, if you're a rental company and you're selling–like if you have capital gains, it's going to be depending on whether you sold it within a year or after a year. If it's less than a year, it's going to be ordinary income to you. If it's over a year, it's going to be taxed with either 0%, 15% or 20%. If you make over 250,000, you're going to get to add no another 3.8% and then whatever your state tax is. What are the determining factors? How much you make. If you're married, filing jointly less than 77,000, your capital gains rate is zero. All those things come into it. You can always write us at webinar@andersonadvisors if you want to ask specific questions. "I'm in the process of setting up QuickBooks account for my C Corp. I have a construction business and a hair salon that are DPA-ed as C Corp. I am flipping single-family residents in Wyoming LLC? I have sub-expense and sub-income accounts for those." This is getting long. This one, we may want to answer next week because this is kind of cool. It's talking about sub-accounts. I'm just going to table that one unless you want to jump on it. Jeff: No, I think there were a couple of issues in there. Toby: Yup, "But you don't pay tax until the withdrawal, correct? That was just with regards to the IRA." Steve, you do need an account and, yes, you don't pay the tax until you withdraw, add up in IRA. If you have unrelated business income tax or debt finance income out of an IRA, you'd pay it in the year that it was generated. "Can I set up an entity to receive W2 income and max out top […]?" Yes, but you can't do it out of a self-directed IRA. The reason being is that you are a disqualified person so you cannot do that unless you do something called a ROBS transaction, and that's going to be a major topic for another day. That's if your IRA invests in a C Corp that you set up and there are ways to do it and then you could actually pay yourself, so there. "I recently rolled over a 401K to equity trust IRA account, lending funds to other investors charging interest. Is interest income taxable to the IRA?" No, you can do that all day long, and equity trust is having to sign all your docs. My recommendation would be to set up your own 401K so you can sign the loan documents. Somebody says, "How many times a year can you roll over from 401K to IRA or reverse rollover?" It depends on whether you're doing a direct rollover. Jeff: You can do a trustee to trustee every day if you want, meaning you're going from TDM trade to Bank of America. You can do those as long as it's directly being transferred. You can pull the money out once to yourself once every 12 months, and it's a rolling 12-month period. If I pulled it out today, then I wouldn't be able to do it again until next October. Toby: Somebody asks, "Can I roll individual stock holding into Roth trading account if the current value is under the 550 limit, and how?" The answer would be, really, no; you're going to have to liquidate the holdings, open up a new account in the Roth IRA and then contribute the 5,500. It's a pain in the butt, I know, but I don't make the rules. It's this whole Bank Secrecy Act and all this stuff since they flew planes into trade centers. "Is the old rule dead on personal residences two out of five years?" No, that's still the rule, and we still use it like crazy. That's exception 121. Jeff: Yeah, they were talking about making it five out of eight years, and that got thrown out so it's still the old two-out-of-five rule. Toby: Yup. "Do my startup costs carry over two years if my net was negative?" It's actually 20-something years. Jeff: 15 years. Toby: 15 years now? Nate, you can carry forward your startup costs. Is it 15? Jeff::Yeah. Toby:  "Hey, wait a second. I have an S Corp. They keep charging me the 800 fee ever

I had a bad freak out Hhahaa fuck

Nfl Score summary. Monday Night Football. Alex ( The Bum ) Smith. Kicker Catastrophy. No Bueno. Final Nights --- Support this podcast: https://anchor.fm/TheRealMcCoySportsPodcast/support

With all the chaos that's been going on in my house, I put of chest day.

.Com Strategies Podcast where you will learn key insights into valuing, marketing and selling your domain names. In today's episode I talk about going from average to elite and then back to average.

This episode is a response to a live stream video I just watched of a town hall in Katie

Whats up Motorheads! On this podcast I talk about: Adam Sandoval and his new K-River Campground Purchase. Trump still looking to get attention in media with the whole Harley Tariff deal! Cory Ness of Arlen Ness teams up with Yamaha to build up the new Star Eluder with a line of customization parts. The rising "tick" problem in the US today and a tick that its bite makes you allergic to red meat!!!! What No more ribeyes!!!! No Bueno for me! Show topic links www.motorcyclecruiser.com www.Yamaha.com www.washingtontimes.com This show is brought to you by Anchor.FM its FAST, its EASY and its The ONLY WAY TO PODCAST! Thanks again to Anchor.FM for putting us out there and getting the show its recognition. Thank you to the listeners to continue to support the show! Email us at thecycleshackpodcast@gmail.com Thanks for Listening! Ivan Rodriguez/ The Cycleshack --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app Support this podcast: https://anchor.fm/thecycleshack/support

On the show this week: "Need a new password...Try this!", "That Idea is No Bueno", and "Televagelists take to the air...literally".  Be sure to find out where you can catch the whole show, music and all, by visiting us at www.crankedupcountryradio.com.  

Have you ever experienced then weird phenomenon where you give yourself a rule, then next thing know, you’re breaking it? Like this. You decide to get off sugar. You’re aware of the dangers of sugar. You know that Americans are an average of 164 lbs of sugar a year. Sugar is NO BUENO and you’re convinced. So you promise yourself, “no more sugar”. Then BAM, out of the blue, you’re hit with a hankering to eat a pan of brownies. You eat them. You get mad at yourself. You feel stuck. Then you wonder “what just happened?” Say hello to “Resistance” - the sneaky saboteur of our goals and aspirations. And not just with health. Anything that has to do with personal development, spiritual development, creative or entrepreneurial work in the world. Resistance is universal and unrelenting to the point that we can feel that there’s actually something intrinsically wrong with us. Makes us second guess what we previously thought was a bright idea. Makes us feel stuck. Now, resistance isn’t all bad. It actually can help point you toward True North if you understand it. Listen to this audio to understand that reasons resistance exists + what to do about it. Hint, hint: that weird tapping thing I’m always telling you about helps a lot ;)

Orestes Destrade likes to join JP Peterson for Bueno or No Bueno, but today they couldn't play that game because there just wasn't much bueno over the weekend!

Kyle Combs has been maintaining a business mindset since he was young from his start of mowing lawns to now working on fashion label named No Bueno. Kyle believes that setting consistent goals is important because without them you won't be able to visualize where you want to end up. Just about anyone can do it. You can't just get to be a millionaire without starting from the bottom. Kyle goes on to explain No Bueno, 'it's a way to showcase art and encapture future artists by displaying their art on high-quality streetwear'. He plans on spreading No Bueno to other mediums like music. Plot twist: However, life presents its setbacks. Kyle didn't let these things influence his daily grind and found more business passions because of it. Kyle plans to keep developing as a business person and envisions himself owning or co-owning businesses in the future. Kyle leaves us with his final wisdom: set consistent goals, have an end goal, create a game-plan, layout your life how you want and DO IT.

Re-uploading our back catalog.Recorded live from the podcast mobile; with Raptor in the passenger seat as always. Chatting about buying lube in bulk, new porn parodies, the weather, and other shit. Carry on.--- Send in a voice message: https://anchor.fm/insideyoupodcast/messageSupport this podcast: https://anchor.fm/insideyoupodcast/support

This one... well.... this one we talk about... a gallon of lube, dick, and weather cast. --- Send in a voice message: https://anchor.fm/insideyoupodcast/messageSupport this podcast: https://anchor.fm/insideyoupodcast/support

Invisible Resumes are No Bueno!! --- Support this podcast: https://anchor.fm/getthejob/support

Thanks for listening once again. So it seems that based on this recording I do have some equipment malfunction and have to dial this in a bit better with the recording quality. That's OK, it will go up exactly that way. So Royal Enfield producing bikes here and in Harley Davidson's back yard! NO BUENO! The difference between a hydraulic clutch and cable clutch and nitrogen instead of air in your tires. Send me any questions or comments, I'd love to hear from you! thecycleshackpodcast@gmail.com Music for the show by TEKNOAXE.com or check him out on youtube for all your royalty free music needs. Thank you to Anchor.fm for putting my show back up and thank you all for listening! Till Next time! Ivan Rodriguez/The Cycleshack Podcast --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app Support this podcast: https://anchor.fm/thecycleshack/support

Sometimes you just need to make a decision.

The one where we talk about the Olympics, Wakanda, and Steph getting armed. Plus recs and a big TASO to the Aldermen of Starkville, MS.

Hooray for Radio Ronin!!!!The holidays are over... January sucks. January ALWAYS sucks. How do you cope!? Chunga has decided to turn to music. Maybe that was a mistake. Bono has some thoughts about the state of music today... BLESS YOU BONO! Thomas Monson has passed away, The New York Times has some thoughts about Thomas Monson... Chunga, Kenny & Spinari have some thoughts about the New York Times. Stan Lee is in trouble... Big, BIG trouble! Do you like to sign petitions? Chunga, Kenny & Spinari don't, even though they have all signed one this week. The Golden Globes happened....meh... Kenny also has 2 new movies to review!!! Listen now!

Hooray for Radio Ronin!!!!The holidays are over... January sucks. January ALWAYS sucks. How do you cope!? Chunga has decided to turn to music. Maybe that was a mistake. Bono has some thoughts about the state of music today... BLESS YOU BONO! Thomas Monson has passed away, The New York Times has some thoughts about Thomas Monson... Chunga, Kenny & Spinari have some thoughts about the New York Times. Stan Lee is in trouble... Big, BIG trouble! Do you like to sign petitions? Chunga, Kenny & Spinari don't, even though they have all signed one this week. The Golden Globes happened....meh... Kenny also has 2 new movies to review!!! Listen now!

Hooray for Radio Ronin!!!! The holidays are over... January sucks. January ALWAYS sucks. How do you cope!? Chunga has decided to turn to music. Maybe that was a mistake. Bono has some thoughts about the state of music today... BLESS YOU BONO! Thomas Monson has passed away, The New York Times has some thoughts about Thomas Monson... Chunga, Kenny & Spinari have some thoughts about the New York Times. Stan Lee is in trouble... Big, BIG trouble! Do you like to sign petitions? Chunga, Kenny & Spinari don't, even though they have all signed one this week. The Golden Globes happened....meh... Kenny also has 2 new movies to review!!! Listen now!

Week one of our series on the book of 2 Corinthians, looking at the benefits of suffering when combined with Divine Comfort

Chapter 9: Stealing Content is No Bueno! by Brianna Steele

¿Cuándo cumpliste 15 te hicieron una gran fiesta en la que recibiste mucho dinero y regalos? ¿No? Bueno, pues eso le sucede a la mayoría de chicas que cumplen 15 en Latinoamérica. **Read along and download the transcript here: https://www.espanolistos.com/quinceaneras En este episodio hemos invitado a Valentina Aguilar, una joven Colombiana, para que nos cuente su experiencia y muchas cosas sobre la tradición de las quinceañeras. En los países Latinos es una gran tradición celebrar los 15 años de una chica. Se cree que cuando una chica cumple 15 años deja de ser niña y pasa a ser mujer. Para celebrar este acontecimiento se hace una fiesta muy grande. En este episodio te contamos sobre la forma en cómo se celebra este cumpleaños especial. Los actos simbólicos que se hacen, los trajes que se usan, la música que se escucha, que comida se come, cuantos invitados hay, y mucho más. Si estas aprendiendo español debes no tan solo aprender la lengua pero también las costumbres y tradiciones de los países que hablan este idioma. Vamos, aprendamos sobre esta interesante celebración.

Andy and Ryan talk about Opening Week for Major League Baseball. They highlight Overreactions, unvail their new segment "En Fuego and No Bueno", and have another conversation with Commissioner Andy

Acts 5:12-18

Rays Talk Show Episode 245: Host Ray Collazo and Guest Host Elbert Garcia review why Trumpcare is NO BUENO, especially for the Latino community. Collazo and Garcia discuss the politics of this dangerous legislation and what we can do to kill Trumpcare. Collazo interviews Las Vegas activist Erika Castro on the mood of Nevadans during the Trump’s administration’s first few months and how she is organizing Latinos around immigration and environmental issues. Collazo and Garcia discuss the low turnout Los Angeles elections and ponder the meaning of the JLO/AROD romance. Que Bochinche! Subscribe to Rays Talk Show on iTunes or on Rays Talk Show website.

It's the Fumblin' Around Holiday Episode and it is SO bueno! Matt and Andy check in on the Red Wings 2016 Playoff Watch. Matt tells a joke. Andy laughs. The boys sing many Christmas songs. Andy and Matt discuss their 2016 NO BUENO list. Did we mention we talk so much sports? Like a crap ton of sports. There's no guest this week. We tell John Lennon to get off his dang soap box already. Action goes long. Howie Long.

WHOAH! Matt and Andy welcome fellow improviser and Editor of Model D (Detroit's online news magazine) to the Feldspar Studios... we talk hockey, football, college life, roller skating hockey (again), and a bunch of other sweet stuff. We also introduce our newest segment called [for now] "RAPID FIRE". Oh, and how about special-total-exclusive guest, former Purdue football scout player, Tommy Tomlinson*! He discusses his time with Purdue in the early 90s and his hatred of Rudy (the guy who played for Notre Dame and they made a movie about.)A couple of loose ends: Red Wings in the last 3 seasons lost in the first round of the playoffs, and in the 2 seasons before that they lost in the second roundCharlie Sheen's character in Major League was "Ricky Vaughn" Trust us, that's all relevant after you listen to the podcast!And don't forget the sweetest new catch phrase "IT'S NO BUENO!"*played by Aaron Mondry

The line between city and monster begins to blur as a terrible and/or hilarious choice is thrust upon an unprepared squad. Allana finally fires a shot. Anne suggests a risky maneuver. Rinaldo proposes a more direct approach. Highlights: Dual-Wield Balls, Spoiler Alert, Crotch Stab, No Bueno, Extrasensory Pancakes, Deeper Is Better, and 1-800-STONEROOT.

Season 3, Episode 18 – This week: ALL HOMEBREW. Natalie DeNicholas and John Ryti are also joining us! It’s been a slow year for the 4B gang in regards to homebrewing, but today we’re going to make up for the last five months in one episode! Today we’re drinking five homebrews from four brewers (get it?). Maltose Falcons – Saison du Mai First up is John’s triumphant return to brewing, Oat Boner. This beer was inspired by his wildly popular oatmeal IPA, Oats n’ Hoes, but is stripped down and simplified. There are three ingredients in this brew: 2-row malt, oats, and mosaic hops (a LOT of Mosaic hops…). While the beer is a hit with everyone at the table, John thinks it could use a few tweaks. Next up is a beer from one of our special guests, Natalie DeNicholas. We got a lot of positive feedback when she was on the show previously, and now she’s back! This time she brought a super-crushable lager made with Thai rice. It’s really good! Also, shout out to Sanctum Brewing Co. (that’s where Natalie works) and the legendary Maltose Falcons (where Natalie is the Burger-Meister). Next up are two beers from Greg. One is a variant of a beer that Greg brought a few episodes back while the other is a new beer that he’s looking for some advice on. SPOILER ALERT. Don’t try to ferment a beer with expired yeast. That is NO BUENO! Next up is a Red IPA from long time friend of the show, John Ryti. This is beer was made with a new type of malt called Red X that apparently will give your beer a red hue without imparting a whole lot of that red-caramel flavor that is usually associated with traditional “red” malt. It’s quite tasty, to say the least. We wrap up the show with a canned homebrew (how rad is that?!) that Natalie brought over from her homebrew club, Maltose Falcons. Saison du Mai is a saison (obvi), which is right up Matt’s alley, made with a bunch of fun, tropical ingredients.  BREW THE SHIT OUT OF IT. Beers from this week’s episode: Natalie’s Thai Rice Lager – Thai Pride John’s New Oatmeal IPA – Oat Boner Maltose Falcons – Saison Du Mai Direct audio: MP3 Subscribe: iTunes: Audio / Video RSS: Audio / Video Google Play Music Stitcher YouTube (Videos) Support the show: Patreon PayPal 4B Social Media: Facebook Twitter Instagram tumblr Flickr Snapchat Email 4B: feedback@fourbrewers.com Leave us a voicemail: (213) 316-8699

1) A little about the AP poll 2) We won't cover the Dalvin Cook trial until we hear something definitive. 3) A little about Jimbo Fisher, a little Jameis 4) Bucs O-Line... No Bueno. Plus, Reggie Wayne.

I Hate Change, What Would You Do?, Wizard of Oz Porn and Booooobies!!

• William Tapley Weighs in on the Third Temple • Paula White's Machine Gun of Heresy • Email • Good Sermon: This World's Empty Glory by Gervase Charmley

1- Obama es no bueno 2- We don’t like him but boy is he powerful 3- Christian+ Patriot+ militia = meeting secret service 4- No its not race, you racist 5- When you get away with it, shut up 6- Fight the war on Christmas, get to a mall

Can you feel it? Nothin' can save ya, for this is the season of catching the vapors! Welcome to ABDB Ep. Mario Lemieux as we skate further & further into Suspension of Disbelief with sports! Who you CAN trust to walk you through the fog, carrying the torch is The Incredible Two Man Team of Sweets & Wall $t.! The requisite housekeeping out the way, we set it off with some quick hits around the world of sport. As per usual, Happy Trails are wished, Congrats are offered, Rest In Power shouts out are given & Happy Birthday love is spread... The Black History Eve Edition of ABDB would not be as groundbreakingly complete without pioneer & Friend of the Program, Nicholas "Nick NoHeart" Tuths, writer/producer/blogger of MSNBC's "The Cycle" & formerly of "Filling The Lanes"... Right off the rip, we acknowledge Eric Cartman had a Dream, but when the NCAA gets a bitch, they got a bitch... Even Peyton Manning can't save University Of Tennessee right now... Nick's love for leprechauns gets revealed because of Manti Te'o & money... What's the meaning of so many underclassmen declaring eligible for the NFL? Deer Antler Spray: It's What For Dinner! As The Super Bowl is upon us, the guys examine of The Paradox Of Ray Lewis... Could "The Ball Hawk" Ed Reed become The New Ray Allen? The NFL says "No Bueno" to The Harbaugh Bowl... Randy Moss vs. Jerry Rice: No Competition... Chris Culliver gets his Super Bowl shine on in the wrong way... Is Colin Kaepernick "One Take Hov?" Does Roger Goodell care what you think of him? Bernard Pollard's vision of the NFL that won't exist in 30 years may have been previewed in the Pro Bowl... Nick, Will & Duane prognosticate on the Super Bowl before we finally retire Alex Rodriguez & dole his dough out to Joe Flacco... The WMD's shift gears into hoops as the NCAA channels their inner Tu Holloway... we examine some "Subjects Of Interest" in men's college basketball before reviewing the biggest game of the year... Billy Hunter gets his spring cleaning done early... Are the Celts done without Rajon Rondo... Robert Parish: A Chief In Celtics Clothing... By Kobe! We Think The Lakers Get It... As we wind it down, we look at whether or not Chris Bosh a Hall Of Famer & Allen Iverson's influence on the NBA... Accents Employed: Stitcher Remix, Black & Sassy, Bad Mary. J. Blige... References: Marcel Hall, Super Mario, Samuel Taylor Coleridge, Nicky Gypsy, Stopping Short, Navarre, Character, Jungle Noises, Post-Racial, Hammurabi's Code, Dave Chappelle, 2 Piece & Biscuit, "Regular" Guys, The Roc, Assists, Pop-A-Shot, Balance, Shuffleboard, The Oracle, Old Man Strength, Ken Griffey Home Run Derby, Filling The Lanes, The Cycle, Yacubian, Shamateurism, Brockovichian, Tee Martin, Vincent Yarborough, Boston College, Slim Charles, Twist, S.W.A.T.S., Pen Cameras, #NoRomonowski, Django Unspoken, Butthurt, Doug Williams, Pussification, 1On1 Knockout, Snowbirds, HiiiYoooo, Phi Slama Jama, YCMA Old Man Game, The Fab Five, The Kang, Soul Glo, D12 Shade, Joe Barely Cares, Kareem Syndrome, Ed Archer & MORE!!! ABDB is Meaning, Movement, Mentality, Community and Conversation. Email us at allballsdontbounce@gmail.com. Find us on Stitcher Radio, iTunes Music Store, Facebook, Tumblr & Twitter!