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Ahead of the Irish Concertina Orchestra's landmark headline concert at glór in Ennis on 23 May 2026, producer and musical director Pádraig Rynne joined Daragh Dolan in studio to discuss their latest release, Aboard the West Clare. The sweeping new composition by Bill Whelan is inspired by the historic West Clare Railway and recorded at Windmill Lane Studios with NOTIFY and the MGCE Concert Orchestra. The piece marks the final instalment in the lead-up to the much-anticipated concert.

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

Fast Track! Mason and Ireland circle back to the Lakers dropping the first two games of the series vs the Thunder. More Fast Track! Take a listen to Pat Riley talking about sports gambling. The crew dive into the “Notify Anyway” feature on cell phones. The guys discuss the college football playoffs expanding to more teams. Game of Games, plus Supercross Talk! Learn more about your ad choices. Visit podcastchoices.com/adchoices

Have you ever asked someone to change a lightbulb, only to find yourself sitting in the dark three days later? You both agreed it was burnt out, but you never agreed on a deadline. That simple, silly disconnect points to the silent killer of company culture: incomplete communication.Welcome to Part 3 of our "Building Your Dream Team" series! This week on Bacon Bits with Master Happiness, host Marty Jalove teams up with the brilliant Gina Melendez. When Marty's infectious enthusiasm meets Gina's grounded, operational expertise, absolute magic happens. Together, they tackle a staggering reality: 87% of employees are currently guessing their daily duties. If we want to achieve true success, we must replace confusion with crystal-clear clarity.Here is what you will learn in this episode:Discover the power of the "Designated Naysayer" to unlock honest opinions and destroy groupthink.Learn why clarity is kindness when assigning tasks and setting expectations.Understand how to actively dismantle fear to foster true, lasting employee engagement.Reframe your leadership mindset to embrace genuine curiosity as a superpower.You cannot build a business that thrives without bringing home the BACON. We break down the ultimate recipe for mastering workplace communication: Be Transparent, Ask questions, Create safety, encourage Open feedback, and Notify always.Stop the guesswork and start the teamwork! Hit that follow button, share this episode with a fellow leader, and get ready to bring home the BACON.www.MasterHappiness.comwww.WhatsYourBacon.comwww.BaconBitsRadio.com

New platform helps people track domains they want to acquire. Most domain investors know the lifecycle of domain names, but the same can't be said for entrepreneurs, businesses, and individuals who have their eyes on a domain. Mike Cyger's latest creation solves that problem. Notify.domains is like Google Alerts for Domains. It tracks domain names […] Post link: Google Alerts for Domains – DNW Podcast #583 © DomainNameWire.com 2025. This is copyrighted content. Domain Name Wire full-text RSS feeds are made available for personal use only, and may not be published on any site without permission. If you see this message on a website, contact editor (at) domainnamewire.com. Latest domain news at DNW.com: Domain Name Wire.

Level Up - Notify it Up by Radio Islam

It is effective to read email in batches — you probably already know that. But have you considered that you can batch in one more dimension at the same time? In Done! No. 672 today, I share an ingenious trick for handling email even faster that I received from a listener. Do you also use categories in your email the way Karolina does? If so, would you like to tell me what some of your categories might be? I am curious. Your email will, of course, be categorized in my inbox as an extra dear email with high priority! Notify that you will soon be on vacation! These episodes are also available as a weekly newsletter to your email. If you rather read than listen (or both!), sign up for a free subscription. David Stiernholm is a "struktör". As such he helps people and companies become more efficient and productive by creating better structure. His motto is: Everything can be done easier! David is frequently hired as a speaker by all kinds of businesses, from well-established major corporations to entrepreneurial companies in hyper-growth. He extinguishes himself by providing clients with concrete tools and methods that can be applied instantly both at work and in your personal life. During a talk with David Stiernholm, you will realize that structure is both liberating and fun and that establishing a better structure makes you less stressed and more efficient.

Meta is adding a new layer of intervention to its parental supervision tools. Starting this week, parents enrolled in the Family Center will receive automated alerts—via the app, WhatsApp, text, or email—if their teenager repeatedly searches for terms associated with suicide or self-harm. Learn more about your ad choices. Visit podcastchoices.com/adchoices

Most people spend significant time planning how to build wealth, but far fewer consider how their family would access that wealth if something unexpected happened. For Americans living in Israel who maintain U.S. brokerage or retirement accounts, that question can be more complex than it appears. The challenge usually involves authority, documentation, and cross-border procedures. From the outside, U.S. accounts often appear unchanged after someone relocates to Israel. Statements arrive, online access continues, and the accounts seem stable. That familiarity can create comfort, but it can also hide administrative challenges that surface during estate transitions. When inheritance meets two legal systems Inheritance is often assumed to be simple. A relative passes away, assets transfer to heirs, and accounts continue under new ownership. Cross-border estates rarely follow that pattern. Consider a common situation. A son lives in Israel while his parent maintains brokerage accounts in the United States. The parent passes away and the will names the son as the heir.  From the son's perspective, the next step seems straightforward. Notify the financial institution, submit documentation, and transfer the accounts. Instead, access to the accounts often stops immediately after the parent's death. Financial institutions typically freeze accounts once they receive notification. This step protects assets and ensures that only properly authorized individuals can act. At that point, the focus shifts from who should inherit the assets to who has legal authority to act on behalf of the estate. That distinction frequently creates confusion. Family expectations often rely on intent. Legal systems rely on documentation and verification. When required paperwork is incomplete or delayed, inheritance can slow significantly. Beneficiary designations and wills Many retirement and brokerage accounts use beneficiary designations on their retirement accounts. When completed correctly and kept current, they normally allow assets to transfer directly to heirs without probate. Financial institutions still require verification before releasing assets. But regular brokerage accounts don't usually have the possibility of a beneficiary designation. "What about transfer-on-death accounts (TOD)?" you might ask. If the account owner and heirs all live in the United States, that might work, but for people who live overseas, the TOD may not work and the brokerage firms may require a probated will. Probate is the court-supervised process that confirms who has legal authority to inherit assets. Depending on jurisdiction and estate complexity, it can take considerable time and delay account access. Power of attorney can create misunderstandings. While it may allow someone to manage accounts during a person's lifetime, that authority generally ends at death. Even if a family member previously helped manage accounts, that control disappears once the account holder passes away. Online account logins do not replace legal authority and continued use after death can create additional complications. Additional documentation cross-border families often face Cross-border inheritance frequently introduces procedural steps that families do not anticipate. Documents may require notarization, apostilles, or translation. Financial institutions may request tax clearance before releasing assets. Communication often involves multiple time zones and unfamiliar regulatory processes. Each requirement exists for protective and regulatory reasons. Financial institutions must verify identity, confirm authority, and comply with legal obligations. For families managing responsibilities from another country, the administrative process can still feel overwhelming. Many individuals assume that having a will resolves these challenges. A will remains an important estate planning document, but it functions within the legal system where it was created. When heirs live abroad, additional validation steps may still be required. Why inheritance paperwork often continues after assets transfer Inheritance rarely ends when accounts transfer. It often unfolds in stages that may include estate administration, account restructuring, and tax considerations across multiple countries. In the United States, estate taxes may apply depending on estate size and applicable thresholds. In Israel, receiving inherited assets may create reporting obligations depending on the circumstances. If inherited investments are later sold, capital gains rules in one or both countries may apply. Retirement accounts such as IRAs can introduce further complexity. Required minimum distributions may create ongoing reporting responsibilities and potential taxable events based on the heir's individual situation. This article is intended for educational purposes only and should not be considered financial, legal, or tax advice. Each situation involves unique factors and should be reviewed with qualified professionals. Planning that may help reduce future delays Cross-border estate planning does not eliminate complexity, but it can reduce uncertainty and help coordinate financial, legal, and administrative processes. Families who experience smoother inheritance transitions often share several habits. They periodically review beneficiary designations to confirm they reflect current intentions. They maintain organized records of accounts, financial institutions, and contact details. They revisit estate planning documents after relocating to Israel to confirm the structure remains effective. When planning evolves alongside life changes, families often encounter fewer unexpected administrative obstacles. Practical steps that may improve preparedness Americans living in Israel who maintain U.S. investment accounts may benefit from several foundational steps. Maintaining a consolidated list of accounts can help family members identify financial institutions and contact details if needed. Reviewing beneficiary designations can help confirm retirement accounts align with estate planning goals. Discussing financial account access with family members may help clarify who should contact financial institutions and which documentation may be required. These steps do not eliminate every challenge, but they may reduce uncertainty and help families navigate complex situations more effectively. Schedule a Conversation If you are living in Israel and managing U.S. brokerage or I.R.A. accounts, and you are unsure whether your investments still make sense for your situation, it may be worth taking a fresh look. You can book a free cross-border evaluation call here: https://profile-financial.com/call. It is a no pressure conversation and a chance to see whether your current setup aligns with how you live today.

Host Jeremy C. Park interviews Brink Fidler, Founder and President of Defend Systems, who discusses his background in law enforcement and highlights his company's work in active violence mitigation training and security consulting. Based in Middle Tennessee, Defend Systems is a life safety and security consulting firm specializing in active shooter response training and physical security consulting. During the interview, Brink shares insights from his two decades in narcotics work and explains how his experience informs Defend Systems' approach to enhancing security and safety in schools, corporations, churches, and other organizations. He outlines the company's services, including training based on the DEFEND acronym (Deter, Evade, Fortify, Evaluate, Notify, Defend), and emphasized the importance of educating people on safety measures. Brink also highlights his work with the Tennessee General Assembly to pass school safety legislation and shares practical tips for individuals to enhance their safety, such as identifying multiple exit routes. The conversation concludes with information on how to learn more about Defend Systems' services and connect with Brink through various platforms, including their website, https://www.defendsystems.com.

Singapore shares fell today as investors continue to mull a selloff in US tech stocks overnight. The Straits Times Index dropped 0.7 per cent in the first 30 minutes of trading, with most counters opening in the red. In terms of counters to watch, we have Nio, after the electric vehicle maker projects to record its first-ever quarterly adjusted operating profit for the quarter ended Dec 31. Elsewhere, from how US President Donald Trump unveils TrumpRx discounted drugs website and what the move means for major pharmaceutical players, to how Intel and AMD have reportedly notified Chinese customers of supply shortages for server central processing units, more international and corporate headlines remained in focus. Also on deck, how Amazon said it plans to spend US$200 billion this year on data centres, chips and other equipment. On Market View, Money Matters’ finance presenter Chua Tian Tian unpacked the developments with Benjamin Goh, Head of Research and Investor Education, SIAS.See omnystudio.com/listener for privacy information.

Joshua and Amelie share their thoughts on what should go into a business emergency plan. As a section in your business plan, the emergency plan is there to guide you whenever there is any kind of action that causes a disruption to your normal business operations, from natural disasters that displace you for weeks or months to power outages that last just a few hours. Top takeaways: A written emergency plan shows that you care about serving your clients. The SEC requires a disaster recovery plan for Registered Investment Advisors (RIAs). Sections to include in your emergency plan include: Office Space - including short term and long term plans Equipment - including your computer and phone Regulatory - including liability and access to client data Third party vendors - including key contacts at each Employees - emergency recovery plan for employees Critical contact list - contact information for clients in the case of an emergency A small battery back up system for your computer combined with the plan to use your phone as a hotspot are simple starting points. Having suitable alternative office spaces readily available will help when an actual emergency happens. A password management system can help give you access to your important websites, passwords and third party vendors. Include software security for any new or alternative equipment in the appropriate section. Make a paper copy of your business recovery plan for easy access. Notify clients of an emergency or change to your business only when they're impacted (e.g., upcoming meetings you may miss). Documentation of your plan is important, but you can start with big picture steps and refine it over time. You can contact an RIA compliance consultant for a template.

Getting ready to report to spring training? Former pro ballplayers Jeremy Hermida and Chase Murray share insider advice on preparing for spring training, from physical preparation to financial planning. Whether you're heading to Arizona or Florida, this episode covers everything minor leaguers need to know before packing their bags. Welcome to "Ahead in the Count," presented by BIP Wealth. Our Baseball Division combines their collegiate and professional baseball playing experience with financial acumen to provide expertise in life on and off the field. We aim to give ballplayers and their families a better understanding about their unique lifestyle, the opportunities that come from playing this game, and insight into the complex financial world. This is "Ahead in the Count," hosted by Nolan Alexander, from BIP Wealth. Key Topics Covered Housing (Priority #1) Book early - Prices increase as spring training approaches Secure your housing in January, not February Costs rise significantly the longer you wait Transportation Ship your car vs. rent - Consider the $1,200-$1,500 cost each way Arizona complexes may require different planning than Florida Factor in where you'll be assigned for the season Having your own vehicle vs. finding a teammate with a car Financial & Tax Documents Set up mail forwarding or have someone collect mail at home Tax documents start arriving during spring training Send financial documents to your advisor immediately LLC expenses - Track them throughout the season, not just in December Business Considerations for Players Off-Season Income Baseball camps and clinics Part-time work (Uber, etc.) Track all business expenses if you have an LLC Keep receipts and notes throughout the season Expense Management Use a dedicated credit card for business expenses Write everything down, even if you're unsure it qualifies Let your financial advisor determine what's deductible Review credit card and bank statements during the off-season Mental Preparation Getting in the Zone Arrive at complex early to flip the switch mentally Separate from off-season distractions and noise Access to facilities, coaches, and weight rooms before official report date Nothing replicates actual on-complex preparation Setting Goals Review what you did last season Set personal and financial goals for 2026 Every season is a new chapter of your career Control your preparation, not the outcome "You're only as good as your next at-bat" Action Items Before You Leave ✅ Secure spring training housing ✅ Arrange transportation (ship car or rental) ✅ Set up mail forwarding ✅ Notify financial advisor of your spring training location ✅ Gather any outstanding tax documents ✅ Track off-season business expenses ✅ Ramp up baseball activities ✅ Set personal and professional goals for 2026 Please like, subscribe, and rate this podcast episode of Ahead in the Count! To contact the hosts, send an email to jhester@bipwealth.com, kschmidt@bipwealth.com, cmurray@bipwealth.com,

Shutting Down a Startup 2 Hello, this is Hall T. Martin with the Startup Funding Espresso -- your daily shot of startup funding and investing. Not all startups succeed. For those that don't, there may come a time to shut it down. Here are some key points to consider in shutting down a startup: Before announcing the shutdown, collect all accounts receivable. Sell any inventory left on hand. Notify investors first so they are aware. Notify employees and give them their last pay date. Notify your customers of the transition to a new service or program. Liquidate all assets. Pay taxes and payroll withholding. Pay off outstanding debt as much as possible. File IRS forms related to employment tax. Close the bank account. Dispose of any remaining assets. This may include patents, trademarks, and other intellectual property, as well as physical assets. Finally, dissolve the legal entity. The shutdown process can take some time as each of the steps above requires time to complete. Consider these steps in shutting down a startup. Thank you for joining us for the Startup Funding Espresso where we help startups and investors connect for funding. Let's go startup something today. _________________________________________________________ For more episodes from Investor Connect, please visit the site at: http://investorconnect.org Check out our other podcasts here: https://investorconnect.org/ For Investors check out: https://tencapital.group/investor-landing/ For Startups check out: https://tencapital.group/company-landing/ For eGuides check out: https://tencapital.group/education/ For upcoming Events, check out https://tencapital.group/events/ For Feedback please contact info@tencapital.group Please follow, share, and leave a review. Music courtesy of Bensound.

Wegmans is receiving criticism for collecting biometric data from customers at stores in New York City. NYC has laws requiring companies post signage notifying customers about the technology. Should WNY have the same laws? Erie County Legislator Jeanne Vinal tells us what she thinks.

Episode Summary In this episode, AMSE CEO and Founder Moni sits down with Megan Harless, founder of PCS Like A Pro, to discuss everything military spouse business owners need to know about moving their businesses during a PCS. From maximizing reimbursements to managing the stress of relocation, Megan shares insider knowledge on regulations, documentation, and strategies that can save military families thousands of dollars. This conversation covers the often-overlooked financial benefits available to spouses, common costly mistakes, and practical tools for making your next PCS smoother for both your family and your business. Key Takeaways Money & Reimbursements: Military spouses can get reimbursed for licenses, certifications, equipment moving, permits, registrations, and technology upgrades Each service branch offers up to $1,000 for business costs and $1,000 for licensing (up to $2,000 total) These reimbursements are IN ADDITION to regular PCS moving expenses You must have established your business at your current or previous duty station to qualify Documentation Essentials: Keep all receipts and invoices (set up email filters to auto-sort into folders) Required documents: service-specific verification form, PCS orders, current/previous licenses, new state licenses, fee payment receipts, and marriage certificate Use apps like Stride or Google Drive to organize and store documentation Document everything as you go—don't wait until tax season Tax Implications: You CANNOT double-dip—if the military reimburses an expense, you cannot claim it on your taxes Consider Schedule C for self-employed individuals for non-reimbursed expenses Contact a tax professional as soon as you know you're moving Keep business and personal expenses separate and well-documented Timeline Strategy: Before the Move: Research requirements for establishing business in your new state Print and prepare reimbursement forms Get quotes for moving specialty equipment Notify clients as soon as possible about your moving timeline During the Move: Communicate with clients about service interruptions Share your journey on business social media (humanizes your brand) Set expectations for response times and availability Create a "last chance" promotion if applicable After the Move: Re-register your business in the new state Update tax information (city, state, IRS) Submit reimbursement packet immediately Network in local military and civilian communities Join Facebook groups for your new area We love how our listeners support the mission of AMSE and the Owning Up podcast. As we continue to grow, advocate, and support military spouse entrepreneurs, we wanted to offer that same chance to you, our listeners. For only $5 - you can increase our reach within our community - locally, nationally, and globally. Visit Glow.fm/owningup to become an Owning Up supporter today!  We'd love to have you join our fantastic community! Join the ASSOC. OF MILITARY SPOUSE ENTREPRENEUR COMMUNITY: https://www.amsemembers.com/ Learn more about AMSE at www.amseagency.com Follow Monika Jefferson on Instagram, LinkedIn, Facebook  Follow us on Twitter, Instagram, LinkedIn, and Facebook "Once a spouse, always a spouse" - Supporting military spouse entrepreneurs in every season of their journey.

Mickey Osterreicher of NPPA Discusses Photojournalism in the Modern Era: Legal Rights, AI Challenges, and How to Protect Your Work The 10 Frames Per Second podcast episode featuring Mickey Osterreicher, General Counsel for the National Press Photographers Association (NPPA), uncovers the toughest challenges facing today's visual journalists: Shrinking newsrooms & the rise of freelancers Legal battles over copyright, AI‑generated images, and fair use Police confrontations, arrests, and deportations of journalists The vital role of the NPPA in advocacy and education If you're a photojournalist, visual storyteller, or anyone who relies on images to inform the public, the insights from this episode are essential reading. A past guest on 10FPS (Episode 20) Mickey's career arc illustrates how photojournalism and law intersect: Phase Highlights Early Years Started with a 35 mm camera in college, photo‑edited the school newspaper, then worked for the Buffalo Courier‑Express (10 years). TV Transition Moved to WKBW‑TV, covered sports, and realized visual storytelling mattered more than column space. Law School Inspired by covering the Attica prison uprising and escorting attorneys William Kunstler & Ramsey Clark, he enrolled in law school while still working nights at the TV station. NPPA Legal Counsel Joined the NPPA in the early 1970s, later became its volunteer legal counsel, handling copyright, First Amendment, and police‑training issues. Key takeaway: A solid legal background can turn a photojournalist into an advocate for the entire visual‑journalism community. The State of the NPPA Why the NPPA Is Still Critical Founded 1946 – the “voice of visual journalists.” Membership shift: From staff photographers at newspapers/TV to freelancers & independent contractors. Financial pressure: Dues are modest, but staff salaries have been cut; board members now perform many staff functions pro‑bono. Advocacy priorities: Protect First Amendment rights. Provide legal training for journalists and law‑enforcement agencies. Fight AI‑related copyright infringement. NPPA's Current Initiatives Legal hotline – direct access to counsel for members. First‑Amendment training – delivered to police departments nationwide (e.g., Minnesota, Chicago). Copyright small‑claims court – a low‑cost venue for photographers to enforce their rights. Writing with Light (WwL) Coalition – developing standards for image provenance and authenticity. First Amendment & Police Encounters: What Every Visual Journalist Should Know 1. Know Your Rights Public spaces: You have the right to photograph and record, subject only to reasonable time, place, and manner restrictions. “Indicia” of journalist status: Press credentials, professional gear, and a clear “press” identifier help officers recognize you as a journalist. 2. Prepare Before You Go Contact local police ahead of time to introduce yourself. Work in pairs or a small team—the “buddy system” improves safety and documentation. Carry a written list of emergency contacts (phone numbers inked on your arm or stored offline). 3. If You're Detained Step Action Stay calm Do not resist; comply with lawful orders. Identify yourself Show press credentials, explain you're exercising First Amendment rights. Document the encounter Keep an audio/video record if safe to do so. Call the NP hotline (or the Reporters Committee for Freedom of the Press at 800‑336‑4243) as soon as possible. Notify a trusted contact (family, lawyer, editor). Ask for a copy of the arrest report and any charges filed. AI & Generative Images: The New Copyright Battlefield Why AI Threatens Photojournalism AI‑generated images can be indistinguishable from reality (e.g., deepfakes, synthetic disasters). Massive ingestion of photographers' work to train AI models, often without permission or compensation. Legal Landscape (U.S. Focus) Copyright registration is required before you can sue for infringement. Statutory damages: Up to $150,000 per image for willful infringement (as illustrated by the Daniel Morrel case). Fair‑use defense is fact‑intensive; courts evaluate purpose, nature, amount used, and market effect. Practical AI Safeguards Register every image you intend to license (or that has high news value). Add a visible watermark or embed metadata indicating ownership. Use tools from Adobe's Content Authenticity Initiative (CAI) to embed provenance data. Monitor platforms for unauthorized use; send a cease‑and‑desist using NPPA's model letters (available on their website). Practical Steps to Safeguard Your Images {#practical-steps-to-safeguard-your-images} Register Your Work File a registration with the U.S. Copyright Office within 90 days of first publication to get retroactive protection. Maintain a Documentation Log Date, location, equipment, and a brief description for each shoot. Store original RAW files in an offline, encrypted backup. Use Model Release & License Agreements Clearly outline permitted uses, fee structures, and attribution requirements. Leverage NPPA Resources Model cease‑and‑desist letters – copy, personalize, and send. Small‑claims court filing kit – for disputes under $10 k, no attorney needed. Educate Your Audience Publish a short note on your site about image authenticity (e.g., “This photo was captured on location with a Sony A7R IV; not AI‑generated”). Resources, Hotlines & Tools for Photojournalists Resource What It Offers Link NPPA Legal Hotline Pro‑bono legal advice for members nppa.org/legal‑assistance Reporters Committee for Freedom of the Press 24/7 emergency hotline (800‑336‑4243) rcfp.org Adobe Content Authenticity Initiative Metadata for image provenance contentauthenticity.org Small Claims Court Guide (NPPA) DIY filing checklist nppa.org/small‑claims Writing with Light (WwL) Coalition Standards for visual journalism ethics wwlight.org U.S. Copyright Office Register images, view guidelines copyright.gov Final Takeaways & Call to Action Your camera is a legal instrument. Understanding copyright, First Amendment rights, and AI implications protects both your livelihood and the public's right to truthful information. Join the conversation. If you're not already a member, consider joining NPPA to access training, legal support, and a network of advocates. Stay prepared. Keep your emergency contacts handy, register your work promptly, and use provenance tools to signal authenticity. Ready to protect your images? Register your latest photo series today. Download NPPA's model cease‑and‑desist letter (link above). Add the Reporters Committee hotline to your phone – it could be a lifesaver. If you found this guide useful, share it with fellow visual journalists and subscribe to 10 Frames Per Second for more expert insights. Keywords: photojournalism, NPPA, copyright, generative AI, visual literacy, First Amendment, police training, legal rights, arrests, deportation, threats to journalists, copyright registration, cease and desist, small claims court, AI training data, fair use, public domain, litigation, settlement, statutory damages, Daniel Morrel, visual journalism, body armor, journalist safety, situational awareness, protest coverage, media advocacy, NPPA membership, legal counsel, media law, AI image authenticityThe post Episode 165: Mickey Osterreicher (Legal Protections For Photojournalists) first appeared on 10FPS A Photojournalism Podcast for Everyone.

Think identity thieves only target high income individuals, a bigger prize if you will? False. Identity thieves target anybody they think might fall for their scams. They'll keep coming up with new ways for unsuspecting victims to hand over personal and financial information. Keep listening to learn a little more about how thieves work to steal your identity, and a few things you can do to stop them in their tracks.   Links: FTC Consumer Sentinel Report Learn more about USPS Informed Delivery Service Monitor your Social Security account  Get identity theft protection with a Better Checking account Check out TCU University for financial education tips and resources! Follow us on Facebook, Instagram and Twitter! Learn more about Triangle Credit Union   Transcript: Welcome to Money Tip Tuesday from the Making Money Personal podcast.  Have you heard any of these following stories recently?  An elderly woman was scammed for tens of thousands of dollars, including the purchase of a vehicle and applications for multiple loans. (KSAT)  A young professional's stolen wallet resulted in reports of bad checks, dozens of new credit cards, false criminal charges, and more. (LA Times)   The NFL's number one draft pick Cam Ward was targeted by identity thieves, resulting in high interest loans, liens on his home, and more, resulting in $250,000 in fraudulent debt. (The Guardian)  These true stories are just a few examples of identity theft that could happen to anyone, regardless of your age, occupation, financial status, or where you live. In each case, the victims learned about the crime after their information was stolen and had already been used multiple times.   Identity theft occurs when someone steals another person's sensitive personal information and either uses it as their own or sells it on the black market for other perpetrators to use for financial gain or fraud. Identity theft has been making headlines for years; however, each and every year, thieves become more sophisticated. Staying in step with these criminal advances is a constant struggle for small business owners, corporations, and individual consumers alike. In spite of the work that is being done to keep our information safe, cases of identity theft continue to be reported at an alarming rate.   According to the Federal Trade Commission's Consumer Sentinel Report covering the full year of 2024, reported cases of identity theft have increased by over 584% in the last 20 years. Here are some other highlights from this report:  Last year, more than 2.6 million cases of identity theft were reported, and more than 1 in 3 people who reported a scam also reported losing money.  The median loss to fraud victims is almost $500, with total reported losses of more than $12 billion, an increase of more than 25% compared to 2023.  The most common type of identity theft is credit card fraud, which includes using stolen information to open a line of credit as well as using a legitimate card fraudulently.  Experts estimate that there is a case of identity theft every 22 seconds and that 33% of Americans will face this issue in their lifetime.  While safeguarding your personal information is key, so is knowing what to do if you find out that you have already become a victim of identity theft. First, you should know what red flags to watch out for, as time is of the essence when dealing with identity theft. The longer you wait to begin the recovery process, the more losses you risk facing. Early warning signs of identity theft can include:   Finding unknown charges on your credit card or bank statement. Receiving calls from collection agencies about debts you aren't aware of. Seeing unfamiliar withdrawals from your financial accounts. Receiving bills for items you didn't purchase or services you didn't request. Finding out that a tax return has already been filed in your name, prior to filing your own. Being unexpectedly denied on a loan application. Receiving notification of a line of credit that you did not open. Getting notifications or other information about government benefits or loans that you did not apply for.  If any of the above signs apply to you, they should be addressed immediately. For those of you who have a Triangle Better Checking account, you have access to dedicated Identity Theft Recovery Advocates who can help you assess what information has been compromised and assist in quickly taking steps to stop the damage and recover your identity, regardless of the type of identity theft or how it happened.  Once you have addressed the immediate issues surrounding the theft of your personal information, there are a few things you can do to help protect your identity in the future.   Regularly check your bills and financial statements. It's common practice for scammers to make small purchases or withdrawals first to see if they can get away with it before attempting larger purchases or loans. Notify your financial institution immediately if you see a charge that you don't recognize.   Use unique passwords for each of your online accounts. If a hacker obtains your password for one account, they will likely pair it with your name or email address on other sites to see what else they can gain access to. Consider using a trusted password service to help manage unique passwords for you. Changing your passwords regularly is another effective deterrent against scammers.    Collect your mail daily and pay attention to any recurring items, like bank and credit card statements, to make sure you don't miss any. Some thieves take envelopes containing s;pppp00oensitive information out of mailboxes. If you are away from your home for an extended period of time, notify the postal service to hold your mail while you are gone. It is also a good idea to enroll in USPS Informed Delivery, a free service from the postal service that shows you preview images of incoming mail, plus status updates about your incoming and outbound packages.   Monitor your Social Security account. Set up a free account with the Social Security Administration to help ensure your Social Security number isn't fraudulently claimed by someone else.   Identity theft can happen to anyone, and its effects can range from a small annoyance to financial devastation. The best protection is prevention, but if your information is used without your knowledge, we are standing by to help. If you are a Better Checking account holder and you think that you might be a victim of identity theft, contact the friendly staff at Triangle and we will put you in touch with a professional Identity Theft Recovery Advocate.  If there are any other tips or topics, you'd like us to cover, let us know at tcupodcast@trianglecu.org.  Like and follow our Making Money Personal FB and IG page and look for our sponsor, Triangle Credit Union on social media to share your thoughts.   Thanks for listening to today's Money Tip Tuesday and check out our other tips and episodes on the Making Money Personal podcast.   Have a great day! 

Nik and Michael discuss disks in relation to Postgres — why they matter, how saturation can happen, some modern nuances, and how to prepare to avoid issues. Here are some links to things they mentioned:Nik's tweet demonstrating a NOTIFY hot spot https://x.com/samokhvalov/status/1959468091035009245Postgres LISTEN/NOTIFY does not scale (blog post by Recall ai) https://www.recall.ai/blog/postgres-listen-notify-does-not-scaletrack_io_timing https://www.postgresql.org/docs/current/runtime-config-statistics.html#GUC-TRACK-IO-TIMINGpg_test_timing https://www.postgresql.org/docs/current/pgtesttiming.html PlanetScale for Postgres https://planetscale.com/blog/planetscale-for-postgresOut of disk episode https://postgres.fm/episodes/out-of-disk100TB episode https://postgres.fm/episodes/to-100tb-and-beyond Latency Numbers Every Programmer Should Know https://gist.github.com/jboner/2841832Fio https://github.com/axboe/fio~~~What did you like or not like? What should we discuss next time? Let us know via a YouTube comment, on social media, or by commenting on our Google doc!~~~Postgres FM is produced by:Michael Christofides, founder of pgMustardNikolay Samokhvalov, founder of Postgres.aiWith credit to:Jessie Draws for the elephant artwork

Welcome to a new week here on the Retirement Quick Tips Podcast! I'm your host, Ashley Micciche. This past weekend, I was camping in 100-degree heat with my kids, while my husband had the wisdom to stay home in the air conditioning with our youngest. I was busy packing and stuffing four bikes, three camping totes, two propane tanks, and—yes—basically a partridge in a pear tree into our minivan. So instead of the usual short daily episodes, I'm mixing things up this week and bringing you one longer episode. One of the realities of being a financial advisor is death. Clients die, and it usually happens at least a couple of times a year. When it does, and there's a surviving spouse, part of my job is to make the financial transition as seamless and stress-free as possible. Because when you're grieving the death of a spouse, the last thing you want to worry about is money—or worse, the power being shut off because you couldn't log in to pay the electric bill. Over the years, I've helped many widows and widowers through this transition, and I've developed a Widow's Financial Roadmap. The key is to have this roadmap in place before something happens—before you get sick, become incapacitated, or pass away. If you don't, your spouse may be left without the information they need to keep the household running smoothly, and the stress of grief will be compounded by financial confusion. If you're new to the podcast, a quick introduction: I'm the co-owner of True North Retirement Advisors, a fee-only fiduciary financial advisory firm managing over $450 million in assets. For 17 years, I've helped my clients retire with confidence. And here on the podcast, I take complex retirement topics and turn them into clear answers in just a few minutes each day—so you can spend less time stressing about money and more time living. If you know someone who would benefit from this week's topic, please share the show. And if you have a burning question about your own retirement, visit truenorthra.com where you can book a free 15-minute call with me. Now, let's talk about the roadmap. I'm going to lay this out in order—what to do first, and what comes next. Hopefully, you've already checked some of these items off, but there may be a few you haven't thought about. Step 1: Create a Financial Inventory I've talked about this on the podcast before, but it's worth repeating. A financial inventory is essentially a table of contents for your finances. It should include: Bank and investment accounts (with balances, account types, and where they're held). Insurance and annuity policies. Will or trust. Social Security information. Tax returns. Marriage certificate. And eventually, your death certificate. Without this inventory, assets can be forgotten or lost. For example, maybe you still have a 401(k) at a former employer that your spouse doesn't know about. Without documentation, that money could remain unclaimed. This inventory should also include a list of your key advisors and their contact information—your financial advisor, CPA, attorney, insurance agents, and even the phone number for the bank where your checking account is held. One mistake I often see, especially later in life, is not consolidating accounts. People keep money scattered across five different institutions, a handful of bank accounts, and maybe an online savings account. That's a recipe for disaster. The more accounts you have, the greater the chance your spouse won't be able to find or access them. Once you've created your financial inventory, maintaining it is easy. Just update it once a year—adjust balances, note any new or consolidated accounts, and make sure contact information is current. It usually takes less than an hour. This is the single most important step for the long-term financial health of your surviving spouse. Step 2: Ensure Cash Flow Needs Are Met The next step is making sure bills continue to get paid. Your spouse needs a list of all recurring bills with: The name of the bill (mortgage, utilities, insurance, etc.). The approximate amount. How it's paid (auto-draft, ACH, check). The due date and frequency. This isn't just a budget—it's a cash flow map for your surviving spouse. When paired with the financial inventory, it allows them to step in immediately and manage the household without the lights getting shut off or the mortgage falling behind. On the flip side, you'll also want to document income sources—Social Security, pension payments, portfolio withdrawals, or other income. That way, your spouse knows not just what bills are due, but also what money is coming in, from where, and when. Step 3: Set Up a Password Manager If you remember nothing else from this episode, remember this: set up a password manager. A password manager securely stores all of your logins, and you only need to remember one master password. Some of the top options include 1Password, NordPass, and Dashlane. This tool is invaluable while you're alive because it improves security and eliminates the need to remember dozens of passwords. But it's especially critical when someone dies. Nearly everything is digital now—bank accounts, investments, utilities, email, social media, even photo storage. Without access, your spouse may spend hours digging through old notebooks or trying to reset passwords—sometimes unsuccessfully. With a password manager, all of that information is organized and accessible. You and your spouse can share logins through the manager, making it easy to cancel subscriptions, manage accounts, or simply retrieve family photos stored in the cloud. It takes a little time to set up, but once it's running, the manager prompts you to save new logins automatically. Over time, it builds a complete record of your digital life—one that your spouse can access when needed most. Step 4: Write a Letter The final step is to write a personal letter to your spouse. This letter isn't legally binding, like a will or trust, but it can provide enormous comfort. Think of it as a cover letter to the roadmap. It should include: A reminder of where the financial documents are located. Words of love and reassurance. Encouragement not to make big financial or lifestyle changes right away. Grief clouds judgment. Many surviving spouses are tempted to sell the house, change investments, or make other major decisions in the first few months. In most cases, those decisions can wait. Your letter can serve as a gentle reminder to pause and breathe before making big changes. Keep copies of this letter with your roadmap—at home in a safe, in a safe deposit box, and with your trusted advisors. That way, it can be easily found when it's needed most. In the First Few Months After a Death So what happens immediately after a spouse passes away? Order multiple copies of the death certificate. You'll need these to handle accounts and claims. Notify key professionals—your financial advisor, attorney, CPA, and insurance companies. Start claims and transitions—life insurance, Social Security survivor benefits, and retitling accounts. Keep bills paid. If your spouse didn't handle finances before, enlist the help of a trusted child, friend, or advisor to make sure nothing slips through the cracks. Meet with a tax advisor. Your filing status will change, and that can have a big impact on your taxes. Longer-term changes—like adjusting investment withdrawals, selling the house, or revising estate plans—can wait until the fog of grief begins to lift, often 6–12 months down the road. At that point, you'll be in a clearer frame of mind to make big decisions. To recap, the Widow's Financial Roadmap includes four steps: Create a financial inventory. Ensure cash flow needs are met. Set up a password manager. Write a letter to your spouse. Do these now, while you're healthy, and you'll make life much easier for your loved ones later. That's all for this week's episode of the Retirement Quick Tips Podcast. Thanks for listening, and I'll be back next week with more!  

Join the conversation with C4 & Bryan Nehman.  Michael Collins sits in for Bryan Nehman this morning.  DC police chief orders officers to notify I.C.E. about illegal migrants.  Trump prepares to meet with Putin in Alaska.  Reaction to TJ Smiths interview with Governor Moore.  State school superintendent tell officials to follow the law.  Anirban Basu joined the show this morning to discuss his recent Baltimore Sun Commentary "America's Most disapointing Governor.  Baltimore Orioles brodcaster Geoff Arnold joined the show with a preview of the weekend Series in Houston.  Listen to C4 & Bryan Nehman live weekdays from 5:30 to 10am on WBAL News Radio 1090, FM 101.5 & the WBAL Radio App.

 Grab a drink, get cozy, and hang out with your favorite bear duo every Friday night at 9 PM EST! Hosted by Aeson Knight and Techy Joe, The Mountain Bears Podcast brings you sharp wit, honest takes, and deep dives into everything from tech and metaphysics to LGBTQ+ life, current events, and all the strange magic in between.✨ Expect the Unexpected: – Unfiltered conversations with a whole lot of heart (and sass)– Tech tips, spiritual truths, and LGBTQ+ real talk– Live chat Q&A — yes, we will spill the tea– A safe space for weirdos, wanderers, and wisdom-seekers

Main Topic:  Crowdfunding Your Book: Why Kickstarter Might Be the Perfect Launchpad, with guest J.P. Rindfleisch IX PATREON: Thank you to our existing patrons for believing in our work offline and here in the podcast.  Become a patron of the arts at Patreon.com/valerieihsan for books, writing instruction, coaching, and planning. Also, the Planner Plays and Monthly Reflections are always free for all members on my Patreon page. But I don't list them as Public", so click correct tier for updated links, dates, and cancellations.  Go to Patreon.com/strangeairstories for short stories in the paranormal mystery genre.   Magic Mind Mental Performance Shot and Sleep Shot. Up to 48% off your first subscription or 20% off one time purchases with code VALERIE20 at checkout You can claim it at: https://magicmind.com/VALERIE20   Segment 1 (Announcements/Author Updates): (Valerie): creating content for marketing, preparing to warm up my ice cold email list by writing three personal stories in letter format to explain my absence and reengage with them, planning a three-part podcast series called The Book You Were Born to Write, so look for that coming up next week. Trying to show up on IG every day. (Biz coach recs) • Aligned Author: A bespoke book coaching journey for soul-led experts, creatives, and writers ready to channel their life's work into a living, breathing legacy.)  I created Aligned Author to provide a sacred space for authors to truly understand what has been holding them back, to learn how to merge the soul with the ego, to live and create in that duality, and to discover their own superpowers.  JP: 3 months FT author, TikTok shop main stream of income; The Alchemist Baker of Rosen-- (Erick):  What are you reading? JP:  House of Frank (Kay Synclaire) Valerie: Just finished: One of Us Knows (Alyssa Cole) Your Human Design (Shayna and Dana; DayLuna); The Five-Star Weekend (Elin Hilderbrand) (Not ready to give up on them, but struggling to finish them:) Four Thousand Weeks: Time Management for Mortals by Oliver Burkeman; The Year of the Puppy (Alexandra Horowitz) ;  The Teller of Small Fortunes Julie Leong  Erick:   Segment 2 (Resources/Tips/Tidbits): Tidbit #1: • Tidbit #2:    Segment 3 (Main Topic):  Talking with guest JP Rindfleisch IX ABOUT Hi, I'm JP Rindfleisch IX—author of cozy, queer fantasy and strange fiction where whimsy meets the weird. My stories often explore grief, transformation, and queer joy, wrapped in a little magic, a dash of mischief, and a whole lot of heart. I'm the author of Mandrake Manor and Mosswood Apothecary. I also co-write NRDS: National Recently Deceased Services, a paranormal comedy series, and the Leah Ackerman Dark Paranormal Academy Series. I call Rockford, Illinois home, where I founded Rockford Area Writers, a growing community of 80+ local authors and creatives who support each other's craft. When I'm not writing, you can usually find me wandering forest trails, stirring vegan kitchen witchery (potatoes-as-nacho-cheese is a specialty), or hosting writing sprints and cozy chaos over on Twitch as CheshirePope. I live with a very opinionated husky and an even more talkative African grey parrot. Both have strong opinions about storytelling. Thanks for stopping by. Make yourself at home—browse the shop, grab a tale (or two), and if you sit still long enough, I just might tell you a story. Notes: Let's talk about Kickstarters. Last month you had 338 backers pledge $18,040 for your first kickstarter. All stretch goals met, funded in seven minutes ($1000) Why crowdfunding? good feedback and engagement with Tapas (and Kindle Vella). Kickstarter backer himself.  Researched kickstarter by interviewing authors that had done it. Watch the kickstarters and how they interacted. Sacha Black helped him with good advice. (Find her as author Ruby Roe.) Campaign planning: tiers need to be financially responsible; stretch goals; What makes it special HERE on KS.  Steps to a Kickstarter (KS): 1. Set up "Notify me on Launch" to collect followers (sudo-preorder) (4 months to a year) Maybe the amount of followers is who pledged? You don't have to have all the pieces ready before hitting "pre" launch. 1.5  (order basic sample copy for physical imagery) before hitting Launch. (Optional) 2. Look for successful models on KS to copy as template. Use Canva for images needed. Six hours to upload copy and photos for all the add ons (backlist). (~20 hours total?) 3. To keep campaign active and live, update often (every two days). On Twitch every day to incentivize and hype. Live streaming on Twitch and IG to pitch fast. Find ways to grab people. Think through livestream campaigns in future so not repeating self. (Can have live stretch-goals and they don't have to be monetary.) Hype is about showing up. TikToks everyday, and refining what say and ingraining what I want to say. Productivity streams on Twitch helped practice those talking times in front of camera. Learned how to fill the dead air/space. 4. Backing drives ups the popularity of the campaign. (More backers = shows up in recommendations (for 1st time campaigners), and can get into categories (through review process). Projects we love list is great. Hype or backing helps it gets seen, and then KS sends emails to their list, too. 2nd campaigners get KS to email previous backers that you have a new campaign coming out.  5. Launch time: watching the numbers, handling messages and comments that come in, admin, verbiage changed for unlocks and photo switches, write updates.  Can use page after launch is over as a newsletter sort-of. Add links to updates to invite them to your newsletters. Opt-in to newsletter in final survey. 6. Tiers planning: Think through what they will be, and how your backers will interact with that. (Tiers from JP's campaign: Digital, PB special edition, HC special edition, HC with prints and stickers, resellers or clubs 5 copies, HC+painting and print. ) You want super-high tier because most people buy in the middle.  How long to run the campaign? 30 days max. (17-20 days average) Saggy middle/plateaus are common.  Miscellaneous: Add-ons are different than stretch goals: All your backlist books should be add-ons.  Stretch goals can also fund (unlocked) add-ons. Wanted to add artwork. Kickstarter helps prove people want your idea. Collector's editions. Funding goal: what it would cost to print and ship the book. (Could include editing and cover design) Need to cost out the print run for a number to use. Discoverability: Hard on KS. Twitch fans productivity stream become street team to build following on Kickstarter. Use Kickstarter for Authors FB group. (Like newsletter swaps/literary citizenship.)  Shop: https://shop.jprindfleischix.com     And don't forget: Go to valerieihsan.com to schedule a free consultation to see if Aligned Author is right for you.   Get 48% off the Magic Mind : https://magicmind.com/VALERIE20 and use Valerie20 at checkout. #magicmind #mentalwealth #mentalperformance  

Grab a drink, get cozy, and hang out with your favorite bear duo every Friday night at 9 PM EST! Hosted by Aeson Knight and Techy Joe, The Mountain Bears Podcast brings you sharp wit, honest takes, and deep dives into everything from tech and metaphysics to LGBTQ+ life, current events, and all the strange magic in between.✨ Expect the Unexpected: – Unfiltered conversations with a whole lot of heart (and sass)– Tech tips, spiritual truths, and LGBTQ+ real talk– Live chat Q&A — yes, we will spill the tea– A safe space for weirdos, wanderers, and wisdom-seekers

Y'all,   the noise about tariffs in recent months has stirred questions and anxiety among the fitness industry (and many industries, frankly) about the effects on their business.    Crediting Liz Clark's and Mike Goscinski's talk at the Health & Fitness Association's Fly-In & Advocacy Summit, let's dive into Episode 667: How Tariffs & Trade Can Impact Your Studio.     Universal uncertainty: legislative, studio and consumer unknowns  Lucky strike: service-based industries have an advantage Building up: construction costs jump due to steel and aluminum tariffs On the rise: price bumps on equipment and retail products made overseas  Good news: consumers prioritize fitness/wellness during economic challenges   Notify your local senators and congresspeople that higher costs on building and consumer goods will decrease jobs, tax revenue and economic growth. Learn the basics in Episode 667.    Catch you there,   Lise   PS: Join 2,000+ studio owners who've decided to take control of their studio business and build their freedom empire. Subscribe HERE and join the party! www.studiogrow.co www.linkedin.com/company/studio-growco/  

 Grab a drink, get cozy, and hang out with your favorite bear duo every Friday night at 9 PM EST! Hosted by Aeson Knight and Techy Joe, The Mountain Bears Podcast brings you sharp wit, honest takes, and deep dives into everything from tech and metaphysics to LGBTQ+ life, current events, and all the strange magic in between.✨ Expect the Unexpected: – Unfiltered conversations with a whole lot of heart (and sass)– Tech tips, spiritual truths, and LGBTQ+ real talk– Live chat Q&A — yes, we will spill the tea– A safe space for weirdos, wanderers, and wisdom-seekers

Grab a drink, get cozy, and hang out with your favorite bear duo every Friday night at 9 PM EST! Hosted by Aeson Knight and Techy Joe, The Mountain Bears Podcast brings you sharp wit, honest takes, and deep dives into everything from tech and metaphysics to LGBTQ+ life, current events, and all the strange magic in between.✨ Expect the Unexpected: – Unfiltered conversations with a whole lot of heart (and sass)– Tech tips, spiritual truths, and LGBTQ+ real talk– Live chat Q&A — yes, we will spill the tea– A safe space for weirdos, wanderers, and wisdom-seekers

Selling a law firm isn't just a deal—it's a delicate transition. In this episode, Victoria Collier reveals why notifying clients the right way can make or break the entire sale. If you're a law firm owner thinking about an exit (or an acquisition), you'll want to hear how to go far beyond the basic ethics requirements to actually retain clients, preserve goodwill, and protect your firm's value. Discover how to craft a personal and strategic notification process that builds trust, secures buy-in, and keeps clients from walking out the door. 3 Key Takeaways 1.⁠ ⁠Why a simple notification letter isn't enough—and what to do instead. 2.⁠ ⁠How your client communication strategy directly affects your payout (even post-sale). 3.⁠ ⁠The surprisingly personal way to turn clients into advocates for your successor. Victoria Collier is a seasoned attorney, entrepreneur, and expert in law firm sales and valuations. With a background in law and accounting, including her prior military service and CPA training, she brings a unique perspective on the financial intricacies of business valuations. Victoria helps transform law firms into more valuable and sellable businesses, guiding attorneys through life after law.   We want to hear from you! You can leave us a rating and review in Apple Podcasts. Click here and then scroll down the page to the rating and review section. You can also leave us a rating in Spotify by clicking here. Connect with Victoria Collier https://quidproquolaw.com/ Private Facebook Group https://www.facebook.com/groups/1284225722042602 LinkedIn https://www.linkedin.com/company/victoria-collier-coaching/      

Grab a drink, get cozy, and hang out with your favorite bear duo every Friday night at 9 PM EST! Hosted by Aeson Knight and Techy Joe, The Mountain Bears Podcast brings you sharp wit, honest takes, and deep dives into everything from tech and metaphysics to LGBTQ+ life, current events, and all the strange magic in between.✨ Expect the Unexpected: – Unfiltered conversations with a whole lot of heart (and sass)– Tech tips, spiritual truths, and LGBTQ+ real talk– Live chat Q&A — yes, we will spill the tea– A safe space for weirdos, wanderers, and wisdom-seekers

 Grab a drink, get cozy, and hang out with your favorite bear duo every Friday night at 9 PM EST! Hosted by Aeson Knight and Techy Joe, The Mountain Bears Podcast brings you sharp wit, honest takes, and deep dives into everything from tech and metaphysics to LGBTQ+ life, current events, and all the strange magic in between.✨ Expect the Unexpected: – Unfiltered conversations with a whole lot of heart (and sass)– Tech tips, spiritual truths, and LGBTQ+ real talk– Live chat Q&A — yes, we will spill the tea– A safe space for weirdos, wanderers, and wisdom-seekers

A slick new CoreOS-based distro that might be your next home-lab base, easy self-hosted notifications, and Plex stumbles into controversy. Plus: ECC RAM guilt. Special Guests: Brent Gervais and Dusty Mabe .

A slick new CoreOS-based distro that might be your next home-lab base, easy self-hosted notifications, and Plex stumbles into controversy. Plus: ECC RAM guilt.

Grab a drink, get cozy, and hang out with your favorite bear duo every Friday night at 9 PM EST! Hosted by Aeson Knight and Techy Joe, The Mountain Bears Podcast brings you sharp wit, honest takes, and deep dives into everything from tech and metaphysics to LGBTQ+ life, current events, and all the strange magic in between.✨ Expect the Unexpected: – Unfiltered conversations with a whole lot of heart (and sass)– Tech tips, spiritual truths, and LGBTQ+ real talk– Live chat Q&A — yes, we will spill the tea– A safe space for weirdos, wanderers, and wisdom-seekers

Episode 190: Measles BasicsFuture Dr. Kapur explained the basics of measles, including the pathophysiology, diagnosis and management of this disease. Dr. Schlaerth added information about SPPE and told interesting stories of measles. Dr. Arreaza explained some statistics and histed the episode.  Written by Ashna Kapur MS4 Ross University School of Medicine. Comments by Katherine Schlaerth, MD, and Hector Arreaza, MD.You are listening to Rio Bravo qWeek Podcast, your weekly dose of knowledge brought to you by the Rio Bravo Family Medicine Residency Program from Bakersfield, California, a UCLA-affiliated program sponsored by Clinica Sierra Vista, Let Us Be Your Healthcare Home. This podcast was created for educational purposes only. Visit your primary care provider for additional medical advice.Introduction.According to the CDC, as of April 24, 2025, a total of 884 confirmed measles cases were reported by 30 states, including California, and notably Texas. This is already three times more cases than 2024. There are 3 confirmed deaths so far in the US. What is measles?Measles is a disease that's been around for centuries, nearly eradicated, yet still lingers in parts of the world due to declining vaccination rates. Let's refresh our knowledge about its epidemiology, clinical features, diagnosis, management, and most importantly — prevention.Definition.Measles, also known as rubeola, is an acute viral respiratory illness caused by the measles virus. It's a single-stranded, negative-sense RNA virus belonging to the Paramyxoviridae family. It's extremely contagious with a transmission rate of up to 90% among non-immune individuals when exposed to an infected person.EpidemiologyBefore the introduction of the measles vaccine in 1963, nearly every child got measles by the time they were 15 years old. With the introduction of vaccination, cases and deaths caused by measles significantly declined. For example, in 2018, over 140,000 deaths were reported in the whole world, mostly among children under the age of 5.Measles is still a common disease in many countries, including in Europe, the Middle East, Asia, and Africa. Measles outbreaks have been reported recently in the UK, Israel, India, Thailand, Vietnam, Japan, Ukraine, the Philippines, and more recently in the US. So, let's take prevention seriously to avoid the spread of this disease here at home and abroad. How do we get measles, Ashna?Mode of Transmission:● Air: Spread primarily through respiratory droplets.● Surfaces: The virus remains viable on surfaces or in the air for up to 2 hours. (so, if a person with measles was in a room and you enter the same room within 2 hours, you may still get measles)● Other people: Patients are contagious from 4 days before until 4 days after the rash appears.PathophysiologyThe measles virus first infects the respiratory epithelium, replicates, and then disseminates to the lymphatic system.It leads to transient but profound immunosuppression, which is why secondary infections are common. It affects the skin, respiratory tract, and sometimes the brain, leading to complications like pneumonia or encephalitis.Clinical PresentationThe classic presentation of measles can be remembered in three C's:● Cough● Coryza (runny nose)● ConjunctivitisCourse of Disease (3 Phases):1. Prodromal Phase (2-4 days)○ High fever (can peak at 104°F or 40°C)○ The 3 C's○ Koplik spots: Small white lesions on the buccal mucosa.2. Exanthem Phase○ Maculopapular rash begins on the face (especially around the hairline), then spreads from head to toe. The rash typically combines into 1 big mass as it spreads, and the fever often persists during the rash.3. Recovery Phase○ Rash fades in the same order it appeared.○ Patients remain at risk for complications during and after rash resolution.Complications:● Pneumonia (most common cause of death in children)● Otitis media (most common overall complication)● Encephalitis (can lead to permanent neurologic sequelae)● Subacute sclerosing panencephalitis (SSPE): A rare, fatal, degenerative CNS disease that can occur years after measles infection.High-risk groups for severe disease include:● Infants and young children● Pregnant women● Immunocompromised individualsDiagnosisClinical diagnosis is sufficient if classic symptoms are present, especially in outbreak settings.Ashna: Laboratory confirmation:● Measles-specific IgM antibodies detected by serology.● RT-PCR from nasopharyngeal, throat, or urine samples.Notify public health authorities immediately upon suspicion or diagnosis of measles to limit spread. ManagementThere is no specific antiviral treatment for measles. Management is supportive:● Hydration (by mouth and only IV in case of severe dehydration)● Antipyretics (e.g., acetaminophen) for fever● Oxygen if hypoxicVitamin A supplementation:● Recommended for all children with acute measles, particularly in areas with high vitamin A deficiency. It has shown to reduce morbidity and mortality.Hospitalization may be necessary for:● Severe respiratory compromise● Dehydration● Neurologic complicationsPrevention: We live in perilous times and vaccination is under scrutiny right now. Before the measles vaccine, about 48,000 people were hospitalized and 400–500 people died in the United States every year. Measles was declared eradicated in the US in 2000, but the vaccination coverage is no longer 95%. How do we prevent measles?Vaccination is the cornerstone of prevention.● MMR vaccine (Measles, Mumps, Rubella):○ First dose at 12-15 months of age.○ Second dose at 4-6 years of age.○ 97% effective after 2 doses.The Advisory Committee on Immunization Practices (ACIP) has noted that febrile seizures typically occur 7 to 12 days after vaccination with MMR, with an estimated incidence of 3.3 to 8.7 per 10,000 doses. The Centers for Disease Control and Prevention (CDC) states that febrile seizures following MMR vaccination are rare and not associated with any long-term effects. The risk of febrile seizures is higher when the MMR vaccine is administered as part of the combined MMRV (measles, mumps, rubella, and varicella) vaccine compared to the MMR vaccine alone.Post-exposure prophylaxis:● MMR vaccine within 72 hours of exposure (if possible).● Immunoglobulin within 6 days for high-risk individuals (e.g., infants, pregnant women, immunocompromised).Herd immunity requires at least 95% vaccination coverage to prevent outbreaks.Key Takeaways● Measles is a highly contagious viral illness that can lead to severe complications.● Diagnosis is often clinical, but lab confirmation helps with public health tracking.● Treatment is mainly supportive, with Vitamin A playing a critical role in reducing complications.● Vaccination remains the most effective tool to eliminate measles worldwide.While measles might seem like a disease of the past, it can make a dangerous comeback without continued vigilance and vaccination efforts.Even without trying, every night you go to bed a little wiser. Thanks for listening to Rio Bravo qWeek Podcast. We want to hear from you, send us an email at RioBravoqWeek@clinicasierravista.org, or visit our website riobravofmrp.org/qweek. See you next week! _____________________References:Centers for Disease Control and Prevention (CDC). Measles (Rubeola), Clinical Overview, July 15, 2024. Accessed on May 1, 2025. https://www.cdc.gov/measles/hcp/clinical-overview/index.html.World Health Organization (WHO). Measles, November 14, 2024. https://www.who.int/news-room/fact-sheets/detail/measlesGans, Hayley and Yvonne A. Maldonado, Measles: Clinical manifestations, diagnosis, treatment, and prevention, UpToDate, January 15, 2025. Accessed on May 1, 2025. https://www.uptodate.com/contents/measles-clinical-manifestations-diagnosis-treatment-and-preventionTheme song, Works All The Time by Dominik Schwarzer, YouTube ID: CUBDNERZU8HXUHBS, purchased from https://www.premiumbeat.com/.

Grab a drink, get cozy, and hang out with your favorite bear duo every Friday night at 9 PM EST! Hosted by Aeson Knight and Techy Joe, The Mountain Bears Podcast brings you sharp wit, honest takes, and deep dives into everything from tech and metaphysics to LGBTQ+ life, current events, and all the strange magic in between.✨ Expect the Unexpected: – Unfiltered conversations with a whole lot of heart (and sass)– Tech tips, spiritual truths, and LGBTQ+ real talk– Live chat Q&A — yes, we will spill the tea– A safe space for weirdos, wanderers, and wisdom-seekers

 Grab a drink, get cozy, and hang out with your favorite bear duo every Friday night at 9 PM EST! Hosted by Aeson Knight and Techy Joe, The Mountain Bears Podcast brings you sharp wit, honest takes, and deep dives into everything from tech and metaphysics to LGBTQ+ life, current events, and all the strange magic in between.✨ Expect the Unexpected: – Unfiltered conversations with a whole lot of heart (and sass)– Tech tips, spiritual truths, and LGBTQ+ real talk– Live chat Q&A — yes, we will spill the tea– A safe space for weirdos, wanderers, and wisdom-seekers

Grab a drink, get cozy, and hang out with your favorite bear duo every Friday night at 9 PM EST! Hosted by Aeson Knight and Techy Joe, The Mountain Bears Podcast brings you sharp wit, honest takes, and deep dives into everything from tech and metaphysics to LGBTQ+ life, current events, and all the strange magic in between.✨ Expect the Unexpected: – Unfiltered conversations with a whole lot of heart (and sass)– Tech tips, spiritual truths, and LGBTQ+ real talk– Live chat Q&A — yes, we will spill the tea– A safe space for weirdos, wanderers, and wisdom-seekers

Send us a textReady to slash your tax bill? Schedule your free consultation and let's strategize your tax savings together! Book now at: https://www.prosperlcpa.com/apply Or, if you still need more time, here are some other ways to begin winning the tax game...  Take our free Tax Planning Checklist & learn about what tax savings may be available for you in our minicourse at https://taxplanningchecklist.com  At the very least, get on our newsletter to gain access to free live events and exclusive insight you won't find anywhere else: https://www.prosperlcpa.com/newsletter-subscriptionGet your FREE Personalized Tax Planning Video at: https://www.prosperlcpa.com/5minutetaxplan Selling your business represents a transformational financial event that requires extensive tax planning and collaboration to avoid potentially massive tax overpayments.• Notify your tax advisor immediately when considering selling your business• Assemble the right tax team capable of exit planning - many CPAs lack this expertise• Consider tax implications in negotiations - understand the differences between asset sales and stock sales• Buyers typically prefer asset sales for immediate tax benefits and liability protection• Sellers usually benefit more from stock sales but might accept lower prices• Determine what you'll do with the sale proceeds - this affects your overall tax strategy• Non-passive losses can offset capital gains - not just capital losses• Real estate professional status combined with cost segregation can create substantial tax deductions• Advanced strategies include owner financing, deferred sales trusts, and charitable structures• Reliable books and records are essential for accurate basis calculation and asset valuationIf you need help with selling your business or rental portfolios and don't have the right team in place, reach out at prosperalcpa.com/apply.

The latest poll from Clark County Today explores one of the most debated issues in public education: Should schools notify parents if a student questions their gender identity? The topic comes as La Center School District faces a state order and a new federal investigation into its policy. Read more at https://www.clarkcountytoday.com/opinion/poll-should-schools-notify-parents-about-a-students-gender-identity/ #ClarkCountyWa #localnews #LaCenterSchoolDistrict #genderidentity #studentprivacy #parentalrights #TitleIX #schoolpolicy

बेगानी शादी में राहुल दीवाना | Waqf Act Notify होने से पहले ही Congress पहुंच गई Supreme Court में

बेगानी शादी में राहुल दीवाना | Waqf Act Notify होने से पहले ही Congress पहुंच गई Supreme Court में

maliciouscompliance where Think "pronouns are stupid"? I have no problem calling you by the ones you've listed. Boss asked me to wash work linen at home, so I did. Can you unlock the cooler for me? Delete all your files? OK The work uniform is mandatory no matter what. Fine. You want the engineering staff to do the ordering as well? You got it. You Want Me to Clean the Office Exactly Like That? Alright, I'll Do It. Want me to load the dishwasher that's full? No problem! You want me to disable half of my entire testing stage? Okay! Notify you for every report? Have fun waking up 50 times a night Out Rank Doesn't Mean Out-Know The Judge orders the union to only to consult with our employer!We consulted alright. Hosted on Acast. See acast.com/privacy for more information.

maliciouscompliance where Think "pronouns are stupid"? I have no problem calling you by the ones you've listed. Boss asked me to wash work linen at home, so I did. Can you unlock the cooler for me? Delete all your files? OK The work uniform is mandatory no matter what. Fine. You want the engineering staff to do the ordering as well? You got it. You Want Me to Clean the Office Exactly Like That? Alright, I'll Do It. Want me to load the dishwasher that's full? No problem! You want me to disable half of my entire testing stage? Okay! Notify you for every report? Have fun waking up 50 times a night Out Rank Doesn't Mean Out-Know The Judge orders the union to only to consult with our employer!We consulted alright. Hosted on Acast. See acast.com/privacy for more information.

Send Everyday AI and Jordan a text messageYou're probably using ChatGPT Tasks all wrong. We're going to give you TWO of the biggest cheat codes when it comes to ChatGPT tasks. Don't miss this. Newsletter: Sign up for our free daily newsletterMore on this Episode: Episode PageJoin the discussion: Ask Jordan questions on ChatGPTUpcoming Episodes: Check out the upcoming Everyday AI Livestream lineupWebsite: YourEverydayAI.comEmail The Show: info@youreverydayai.comConnect with Jordan on LinkedInTopics Covered in This Episode:1. Importance of Context Tasking3. Task Management in ChatGPT2. Utility of ChatGPT's Task Feature3. Limitations and Challenges4. Opportunities for Future Improvements5. Agentic AI and Task AutomationTimestamps:03:00 Daily AI news05:17 OpenAI's Tasks update dominates today's AI news.08:51 Access requires subscription; clear cache, update app.13:15 GPT-4 tasks limited despite $200/month plan.17:08 Focus on practical, business-oriented AI applications.17:49 ChatGPT's autonomous tasks are foundational, powerful.21:46 Frustration with noisy, singing smart appliances daily.26:41 Converting prompts to tasks using ChatGPT.27:45 Research daily using chat and browser tools.33:10 Find top 3 relevant marketing news daily.34:29 Implement daily AI strategies; reference 2025 innovations.38:03 Custom instructions per chat require manual context.41:33 Notify big stock shifts, research reasons.46:19 Information processing with AI for accurate predictions.Keywords:ChatGPT, AI news updates, podcast data analysis, task feature in ChatGPT, OpenAI, personalized AI updates, daily AI news, task management, task stacking, agentic AI, autonomous task automation, task scheduling, GPT-4, repetitive task automation, OpenAI's dominance, context tasking, language models, AI workflow automation, technical limitations, task mode, 2025 AI predictions, Everyday AI, task manager interface, GPT-4 o, Jordan Wilson, podcast "Everyday AI", Cisco AI Defense, Apple Intelligence, advanced task schedules, task notifications. Ready for ROI on GenAI? Go to youreverydayai.com/partner

Send Everyday AI and Jordan a text messageChatGPT's new 'Task' mode is here. Is this some gimmicky feature that'll get glazed over? Or a small step toward Operator, OpenAI's upcoming agentic release? We dive in to find out. Newsletter: Sign up for our free daily newsletterMore on this Episode: Episode PageJoin the discussion: Ask Jordan questions on ChatGPTUpcoming Episodes: Check out the upcoming Everyday AI Livestream lineupWebsite: YourEverydayAI.comEmail The Show: info@youreverydayai.comConnect with Jordan on LinkedInTopics Covered in This Episode:1. Importance of Context Tasking3. Task Management in ChatGPT2. Utility of ChatGPT's Task Feature3. Limitations and Challenges4. Opportunities for Future Improvements5. Agentic AI and Task AutomationTimestamps:03:00 Daily AI news05:17 OpenAI's Tasks update dominates today's AI news.08:51 Access requires subscription; clear cache, update app.13:15 GPT-4 tasks limited despite $200/month plan.17:08 Focus on practical, business-oriented AI applications.17:49 ChatGPT's autonomous tasks are foundational, powerful.21:46 Frustration with noisy, singing smart appliances daily.26:41 Converting prompts to tasks using ChatGPT.27:45 Research daily using chat and browser tools.33:10 Find top 3 relevant marketing news daily.34:29 Implement daily AI strategies; reference 2025 innovations.38:03 Custom instructions per chat require manual context.41:33 Notify big stock shifts, research reasons.46:19 Information processing with AI for accurate predictions.Keywords:ChatGPT, AI news updates, podcast data analysis, task feature in ChatGPT, OpenAI, personalized AI updates, daily AI news, task management, task stacking, agentic AI, autonomous task automation, task scheduling, GPT-4, repetitive task automation, OpenAI's dominance, context tasking, language models, AI workflow automation, technical limitations, task mode, 2025 AI predictions, Everyday AI, task manager interface, GPT-4 o, Jordan Wilson, podcast "Everyday AI", Cisco AI Defense, Apple Intelligence, advanced task schedules, task notifications. Get more out of ChatGPT by learning our PPP method in this live, interactive and free training! Sign up now: https://youreverydayai.com/ppp-registration/

Support document: https://drive.google.com/file/d/120GhHfWDm3y0hviEZ_trieHu0K0hZQaF/view?usp=drive_link   Find out more about Trinity Health Hub at https://trinityhealthhub.com/.

Episode 218TOPIC: Holiday Prep the set up your shop for success.Sponsors:CNC WITH MEJoin the ever-growing community and enjoy the many benefits such as commercial licensing, industry discounts, live support, and the access to the robust library of files, resources, and tutorials.https://www.cncwithme.com/  Sign up for Patreon for Early access, and special Patreon-only content:https://www.patreon.com/anotherwoodshoppodcastWhat's on our bench:

The death certificate appears to have been filed a bit late. https://www.lehtoslaw.com

His name is Michael Rapaport aka The Gringo Mandingo aka The Jewish Brad Pitt aka Captain Colitis aka The Disruptive Warrior aka Mr. NY aka Mr. Nantucket is with Dean Collins aka Dean Cuddles aka The Young Shooter aka The Fake Kurt Cobain aka Deuce Collins aka Deuce Cuddles & they are here to discuss: Going for the distressed look, getting out of the sneaker game, old Jews keeping New Balance afloat, heat in Los Angeles, Actors officially being on strike & hitting the picket line, keeping it all the way funky, upcoming trips, notify anyway, Jew of the Week, Dean's College Parties, Mount Rushmores & a whole lotta mo'! This episode is not to be missed!   Stand Up Comedy Tickets on sale at: MichaelRapaportComedy.com   Follow on YouTube at: https://www.youtube.com/@MichaelRapaport   If you are interested in NBA, NFL, MLB, NCAA, Soccer, Golf, Tennis & UFC Picks/Parlays/Props Follow @TheCaptainPicks on Instagram & subscribe to packages at www.CaptainPicks.com   www.dbpodcasts.com   Produced by DBPodcasts.com Follow @dbpodcasts, @iamrapaport, @michaelrapaport on TikTok, Twitter & Instagram Music by Jansport J (Follow @JansportJ) www.JansportJMusic.comSee omnystudio.com/listener for privacy information.