Podcasts about nsos

In this episode of The Liquidity Event, AJ and Shane talk non-qualified stock options (NSOs), explaining the common mistakes people make, tax implications, and strategic approaches to maximize your equity compensation. Key Timestamps: 0:00 - Intro and a few laughs 3:45 - The biggest mistake with NQSOs 6:45 - How taxation works upon exercise 10:15 - NQSOs and Alternative Minimum Tax 15:45 - Multiple grant strategies: the Goldilocks approach 19:45 - When to exercise and hold vs. wait 23:30 - The "least regret" strategy 26:15 - Overconfidence and substantial risk of forfeiture 28:45 - Real-world Reddit question about forgotten options Connect with us: Email: liquidityevent@brooklynfi.com Ask us financial questions via voicemail: memo.fm/liquidityevent Don't forget: please like, subscribe, and leave a review! #EquityCompensation #StockOptions #NQSOs #FinancialPlanning #TaxStrategy  

I denne episoden dekker vi ting som har blitt sagt på NSOs landsmøte. Vi snakker også om å redusere lærerutdanning, og forskere som søker akademisk asyl fra USA.I studio: Ada Helen Ingebretsen, Hedda Hagaeie Tyribakken og David Megard GrønliReporter: Thayra Michelle BogdanTeknikk: David Megard Grønli

Josh Radman joins us today to discuss a little discussed topic on Money Tree Podcast: Decoding RSU, ISO and NQ SOs. He also shares how government programs and how they impact our labor market. He shares an example from local Broogers, which struggled to find staff and often received resumes from unemployable candidates. Josh also touches on how employment data has been revised to show many jobs are part-time or within the government, driven by new regulations. Shifting gears, Josh explores the idea that large AI models, like ChatGPT, might be throttled to prevent them from predicting the future, potentially disrupting markets. He also highlights the critical need for clean, reliable data for AI to function properly, as  current government data is often inaccurate or manipulated.  Today we discuss...  Josh Radman shares his background, from General Mills to tech companies like Walmart e-commerce, where he encountered confusion around equity compensation. How his frustration with understanding ISOs, RSUs, and NSOs led him to found Presidio Advisors, a firm focused on helping millennials with equity compensation. He emphasizes the importance of balancing tax considerations with investment risk and prioritizing financial goals. Radman discusses regret minimization as a tool for decision-making, helping clients navigate the risks of equity compensation. Companies often fail to educate employees about equity compensation due to legal concerns, leaving employees to navigate complex tax and financial decisions. The complexity of ISOs, NSOs, and RSUs requires advanced planning and understanding, especially when managing liquidity events like IPOs. How long-term capital gains tax rates are preferable (0%, 15%, or 20%) compared to ordinary income tax rates (up to 37%). Employees often face a limited post-termination exercise period (typically three months) to exercise stock options after leaving a company. It's important to assess short-term, mid-term, and long-term cash needs when considering exercising stock options. Restricted Stock Units (RSUs) are taxed as ordinary income upon vesting without requiring cash outlay to exercise. A common misconception is that you must hold RSUs for a year to achieve optimal tax treatment; this is not necessary. Employees often underestimate total exposure to their company's stock due to both explicit and implicit risks. Cognitive biases, such as the endowment effect, can lead individuals to overvalue their RSUs and resist selling. Market returns are skewed, with a small number of companies generating significant returns; diversification is essential to mitigate risk. For more information, visit the show notes at https://moneytreepodcast.com/decoding-rsu-iso-nqso-josh-radman-648 Today's Panelists: Kirk Chisholm | Innovative Wealth Barbara Friedberg | Barbara Friedberg Personal Finance Follow on Facebook: https://www.facebook.com/moneytreepodcast Follow LinkedIn: https://www.linkedin.com/showcase/money-tree-investing-podcast Follow on Twitter/X: https://x.com/MTIPodcast  

Harness Wealth CEO David Snider on Unlocking Financial Mastery: Strategies for Entrepreneurs and Investors Harnesswealth.com About the Guest(s): David Snider is the founder and CEO of Harness Wealth, a company dedicated to making bespoke financial advice accessible, intuitive, and valuable through a holistic wealth platform. David previously served as an executive at Bain Capital, COO and CFO at Compass, and was responsible for significant operational and financial growth. His extensive background includes significant transactions and IPOs, bringing unparalleled expertise in the financial sector. Episode Summary: In this episode of The Chris Voss Show, Chris interviews David Snider, the CEO and founder of Harness Wealth, a pioneering company in personalized financial advice. The discussion brings to light the intricacies of managing wealth through tailored advisory services, equity compensations, tax complexities, and sophisticated financial planning. With 16 years of podcasting experience and over 2,000 episodes, Chris Voss continues to bring the most influential minds to share their journey and impart valuable lessons. David Snider divulges the genesis of Harness Wealth, emphasizing the importance of specialized financial advice. From handling tax complexities to advising on equity compensations and IPOs, Harness Wealth positions itself as a vital tool for optimizing financial decisions. The conversation also explores significant platforms on Harness Wealth like net worth tracking and their expanding involvement with cryptocurrency management. Key Takeaways: Harness Wealth aims to provide individualized financial advice that addresses complex tax and financial decisions. David Snider's personal experiences underscore the necessity for accurate, situation-specific financial guidance. The platform allows clients to track their finances comprehensively, including cryptocurrency, ISOs, and NSOs. Harness Wealth serves clients with varying levels of financial complexity and strives to offer immediate advice solutions. The company integrates innovative software to aid both financial advisors and clients in navigating today's financial landscape. Notable Quotes: "Good generic advice is often wrong because of the unique nature of someone's situation." - David Snider "We wanna serve people where the complexity they are facing is no longer solvable with DIY or kind of the Main Street solution." - David Snider "Having the right advice delivered securely, delivered in a way that creates value and at a reasonable price is really core to what we're offering." - David Snider "The most important advice you can get often is well before you're paying that seven figure tax bill." - David Snider "Being able in one place to have a solution to tackle the increased personal complexity… is really quite vast." - David Snider

AJ & Shane chat about the dream of early retirement and what it takes to get there. Plus, we're diving into the juicy news about Red Lobster's bankruptcy—what happened to everyone's favorite cheddar bay biscuit spot? And don't miss our listener question segment, where we help out with a dilemma on early exercising non-qualified stock options (NSOs). Grab your headphones and join us for a fun and informative episode packed with relatable advice and financial insights!   Leave us a voicemail and we'll answer it on the air: https://memo.fm/theliquidityevent/   Email us with your questions at liquidityevent@brooklynfi.com

Du får høre om lederkandidatene til NSO og om hvordan ståa er med tilrettelegging for studenter med funksjonsvariasjoner. Vi diskuterer også den såkalte mastersyken, og du får en rask innføring i hvordan ikke plagiere på eksamen.I studio: Ada Helen Ingebretsen, Ingrid Karoline Karlsen og Sigrun ThorneTeknikk: Sigrun Thorne

Pivotal Growth Partners is known for their ability to identify, prepare, and develop emerging brands into best in class growth concepts. Pivotal is deeply engaged in fostering the growth of any brand they engage with, actively contributing insights, systems and processes, expertise, and resources (both human and financial). They bring 40 years of experience in franchise strategy, growth implementation, real estate site selection/acquisition, design/construction management, and best in class market launch and new store opening (NSOs) strategies and techniques to any emerging brand they work with. Today, Casey Cooley, the President of Pivotal Growth Partners joins me to talk about their expertise in franchise growth and expansion.   Key Takeaways: [1:48] - Casey shares the start of Pivotal Growth Partners and what the mission has been since its inception. [3:12] - Emerging brands are franchises with 0-20 locations. They have some systems that have been tested and vetted and have some experience under their belt. [4:53] - Many business owners are looking to franchise, but growth can be a huge challenge. [7:08] - One thing that Pivotal Growth Partners guides clients through is the journey of growing pains in building a franchise brand. [9:42] - A common challenge is founders needing to give up a little bit of control to allow the brand to grow. [11:59] - Pivotal helps brands with both human and financial resources. [14:17] - Covid certainly changed the approach in brand growth, but Pivotal came out of it with new strategies to handle unusual variables. [17:04] - Replicable concepts are the key and are attractive to franchisees and brand growth. [18:56] - The brands that stick around are the ones with a system that allows an average person to become a franchisee and experience success. [20:37] - Casey shares some of the upcoming goals for Pivotal Growth Partners as well as some of the emerging brands that he's excited about.   Mentioned in This Episode: Pivotal Growth Partners Website

In this episode, we explore ONS's work with other countries to raise the world's statistical capabilities.    Transcript  MILES FLETCHER  Hello and welcome again to ‘Statistically Speaking', the Office for National Statistics' Podcast. I'm Miles Fletcher, and in this episode we're going international.   Now it hardly needs saying that global issues, climate change, population growth, inflation, to name a few are best understood and addressed with the benefit of good global statistics. So, to that end, the ONS works in partnership with a number of countries worldwide with the ultimate aim of raising the world's statistical capabilities. At the one end of Africa, for example, a continent where it's deeply involved, that includes embedding state of the art inflation indices and other economic data in Ghana. On the other side of the continent, it's meant using AI and machine learning to track the movement of displaced populations in Somalia. How do you run a census in places where nobody has a permanent address?   It's all fascinating work and here to tell us about it, Emily Poskett, Head of International Development at the ONS; Tim Harris of the ONS Data Science Campus's international development team; and joining us from Accra, our special guest, Government Statistician of the Republic of Ghana and head of the Ghanaian Statistical Service Professor Samuel Annim.  Emily then, to start give us the big overview if you would, set out for us the scale and the purpose of this international development work that the ONS is doing.    EMILY POSKETT  We work with countries around the developing world to support strong modern statistical systems wherever we see a suitable opportunity to do so.     MF  What form does that work take? Does it mean statisticians going out to these countries?     EP  Yes, it does, when that's the right way to go about things. So our work is usually through the form of medium-term partnerships with a small group of national statistical offices, or NSOs, from the developing world, and those partnerships are medium term over a number of years in order to build up a real understanding of the context in that country, that national statistical office's vision for modernization and how the ONS can be of most help to achieve their own goals under their own strategy.   That relationship will normally be led by a particular individual who spends time getting to know the context and getting to know the people, getting to know what ONS can do to help. A partnership might cover a range of topic areas from census to data science to leadership training to economic statistics, and the lead point of contact, the strategic advisor in many cases, will bring in the relevant experts from across ONS, and they'll work through virtual collaboration but also through on-site visits, and they will work out the best timing for those and the best delivery modality in order to ensure that the gains are sustained. Our primary focus really is to make sure that changes that we support in the partner organisation are sustainable, and the work that ONS does using the UK's aid budget is really impactful and leads to long term change.   We don't always work through direct partnerships, for example where we see opportunities to work alongside other organisations, so international institutions like the World Bank or other national statistics offices like Statistics Canada or Statistics Sweden, they might choose to bring us in to deliver small pieces of focussed technical assistance alongside their own programmes. One of our medium-term partnerships is with the United Nations Economic Commission For Africa (UNECA), and they work with all 54 countries of Africa, and they can choose to bring in our expertise alongside their own to target particular needs in particular countries. But I would say that 70% of our effort is through these medium-term partnerships.     MF  So the ONS is providing one part of a large patchwork of work, going on right across the developing world, but what is the ultimate purpose of that? What are all these countries trying to achieve together?     EP  Well, strong statistical systems are essential in all countries to aid effective planning and informed decision making. And this is even more important in developing countries where resources are often scarce and you're trying to use scarce resources to target a wide range of needs across the population. And that resource might include UK aid for example, and aid from other countries. The UK has been statistical capacity building for many, many years through different modalities, working with partners, and the ONS is just one implementing partner who can be called upon to provide that technical expertise. We're really proud to be a partner of choice for a number of developing countries and the ONS is seen worldwide as being a leader. We're really proud that countries like Ghana would choose to work with us, and that we want to do our bit to help them to achieve their own strategy and their own goals.     MF  Well, this seems like an excellent moment to bring in Professor Samuel Annim. Our great pleasure, great honour, to have you with us professor. From your perspective, and what you're looking to achieve in the Ghana Statistical Service, how important how useful is the work with ONS been for you?     PROFESSOR SAMUEL ANNIM  From the perspective of how it has been important for us, I mean, I look at it from several aspects. I got into office in 2019,  a year after the ONS and GSS collaboration had been established. And when I joined obviously, I had a sense of what I wanted to contribute to the office. Partnership that we've seen between National Statistical Offices over the years have always taken the dimension of statistical production partnerships, and what I simply mean by that is that they're going in to help the service deliver on its core mandate. So for example, if price statistics are the priority, then that is the area you want to focus on, but our partnership with ONS took a different dimension. In addition to focusing on the traditional mandate of the Institute, which is the production of statistics, we really have over the period achieved some milestones from the perspective of transformation, which is of high priority to me, and secondly, from the perspective of injecting technology or contemporary ways of dispensing our duty as a National Statistical Office. So from an individual point of view, it has it has been beneficial to the mission that I have, and since then we have kept on working in the area of transformation.     MF  Listening to what you have to say there, it does sound as though some of the big challenges you face at the moment are not too dissimilar from the ones faced by ONS, all about modernising statistics, particularly using big data and new technology.     SA  Indeed, and I must say that it is a wave across all national statistical offices, because we are now trying to complement traditional surveys and censuses with non-traditional data sources i.e. Big Data, administrative data, citizens generated data and other geospatial resources. So collaborating is the key thing here, because this is new to the statistical community. So it's important we collaborate to learn how you are dealing with issues that are not consistent with the production of official statistics. Now as a global community, we are all thinking about how to use citizens generated science, I mean, getting citizens to provide us with data. And this is an area in which there isn't any National Statistical Office that can claim authority, because the approach and the processes are pretty not consistent with the guidelines for production of official statistics. So it's important to learn how countries are doing it and see how we can collaborate to get this done.     MF  Yes, in the last episode of our podcast, interestingly, we talked about the challenges of getting our citizens here in the UK to take part in surveys. Are Ghanaians friendly to what you're trying to achieve? Or are they perhaps sceptical as well and difficult to engage?     SA  I wouldn't say they're sceptical, I think they really feel part of it. And that is one of the strengths of citizen generated data, because if you package it in a way that it is more demand driven, rather than supply, you don't just go and tell them ‘do this because I know how it's supposed to be done', but instead give them the platform to tell the National Statistical Office what their experiences are, provide them with platforms that they can easily engage so that they can feel part of the process and they really own the product. In our case, it is not a product that is owned by the statistical service but it is a product that is owned by the sub national agencies, and that is, as I said earlier, the beauty of citizen generated data. It is co-creation and co-ownership of the statistical product. So they are not sceptical, they are very receptive to it, and they are getting a better understanding of what we do as a National Statistical Office.     MF  Thinking internationally, thinking globally, what sort of shape do you think the world's statistical system is in now, as a result of partnerships like this or other developments, generally looking across Africa and looking beyond Africa, when we think about key issues, particularly climate change - how good is the statistical system now in tracking these very important changes, and the impacts they're having?     SA  We have as national statistical offices been very content with the traditional statistics - labour statistics, price statistics, GDP - and you do that either monthly, quarterly, or in some instances annually, and even the social indicators, I mean, it's only a few countries like the UK that has been able to do social indicators annually, for those of us in the Global South, a lot of the social indicators are being collected every five years, or every seven to eight years. So this was the way national statistical offices, up until about 2017 or 2018, were shaped. But with the data revolution that we saw around 2014, and since the World Development Report, the data for better lives document, that came out in 2021, clearly, we now have to approach statistics from a different point of view.   And this is simply asking the question, how do I contextualise the statistics beyond what international communities would be expecting national statistical offices to do? I mean, now we are doing everything possible to ensure that we have a monthly GDP, and this is something that we are also learning from the partnership with ONS, because we are aware that they are developing models to ensure that beyond GDP they have some indicators that would readily give us insight on economic performance.   And related to the issue of climate change that you are you talking about Miles, it's one of the areas that you cannot simply dispense your statistics in that one area as a standalone National Statistical Office, because this is something that has a continental dimension, something that has a global dimension. And at the moment we have data sitting in different silos, and the only thing that we can do is through partnership, see how we can bring these datasets together to help us get a better understanding of issues around climate change.   So going forward, in my point of view, if we really want to sustain the transformation that we are seeing as a global Statistical Office, the only way out is through partnership, is through collaboration. And one of the things that I'm putting on the table is that we better begin to measure partnerships. Because we've treated partnerships as a qualitative engagement. And really, nobody knows which partnerships are working and which are not working. So if we're able to measure it, we can more clearly see the benefits of partnerships, although we all hold the view that it is the way to go.     MF  Interesting what you said about how we've traditionally concentrated on those classical measures of economic progress, and notably GDP. You might be interested to hear that the charity Oxfam, the big NGO, was in the news here in the UK recently when they said that GDP was ‘colonialist', and it was ‘anti-feminist', because it ignored the huge economic value of unpaid work, which they said is largely undertaken by women.   Well, whether you agree with that or not, it does perhaps highlight the need for going beyond GDP and producing these alternative, and perhaps richer, wider measures of economic progress and economic value.     SA  I mean, I clearly associate with that submission, and we currently doing some work with the United Nations Development Programme on the National Human Development Report. And the focus of this report is exactly what you are talking about, Miles. We are looking at the current value of work, and we are looking at the future value of work. And we are going beyond the definition of who is employed, which strictly looks at whether the work that you are doing comes with remuneration or not, because once you broaden it and look at the value of work, you definitely have the opportunity to look at people who are doing unpaid work, and indeed their contribution to the progress that we are seeing as a human society, and the National Human Development Report has a sharp focus on this gender issue. They're going to look at that closely. And again, this is coming on the backdrop of an ongoing annual household income and expenditure survey that we are doing. So traditionally, government and international organisations would ask what is your employment and what is your unemployment rate? And then in this report, we tell them that we need to begin to look at those who are working, but we see they're not employed, simply because they are not working for pay or profit, and the proportion of people who are in there, and then once you disaggregate based on sex, age and geography, it's so revealing that we are losing a number of insights from the perspective of unpaid work. And so I fully subscribe to that view.     MF  That's interesting. Professor, for now thank you very much, and I hope you'll join the conversation again later, but we're going to broaden out to talk about, well, it's actually a related development, Emily, talking about women and unpaid work, that's been another theme of ONS's work with the UN Economic Commission for Africa.     EMILY POSKETT  There was a request put forward by national statistic offices around Africa to undertake leadership training, and this was part of the country's modernization vision. Countries recognise that in order to achieve modernisation, they need to have strong leadership. So they asked the UNECA to deliver leadership training and ONS partnered with UNECA to design and pilot this leadership training programme in a range of countries. As part of delivering that we noticed and recognised a lack of female leaders in a number of National Statistics Offices around the continent, and thought with partners about what we can do to help support that, so now as well as running a leadership training for the top tier of leadership in in each organisation, we also run a women into leadership training for potential future female leaders from within the staff. And it's been really, really successful. Some of the feedback that we've had from leaders in those organisations is that they've seen their female staff becoming more confident, more outspoken, more ambitious, putting themselves forward for positions, putting their ideas forwards as well, and generally feeling more confident to contribute in the workplace. We're really proud of that success and hope to roll it out in many more countries around the continent.     MF  A country that's the other side of Africa in a number of important senses, and that is Somalia, which of course if you've followed the news to any extent over the last few decades, you'll know the serious turmoil that's affected that part of Africa, Tim Harris, bringing you in, what's been going on in Somalia that the ONS has been involved in, particularly when it comes to measuring population and population movement. Tell us about that.     TIM HARRIS  Well, as you say, Somalia is a very fragile context. It's been affected by conflict and climate change and environmental issues for many years. And that's made it very challenging to collect information, statistical information, on a range of things. But particularly on population, which is a key underpinning piece of statistics which any country needs, and in fact, there hasn't been a census in Somalia since the 1970s, almost 50 years now, but there are plans to do a census next year, with support from the UN Population Fund, UNFPA, and other various institutions in Somalia and development partners, as well as the Foreign Commonwealth and Development Office. And Emily's international development team are also trying to form a partnership, or are forming a new partnership, with the Somalia National Bureau of Statistics. So there are plans to do a census next year, and we're really in the preparatory phase for that at the moment. And we're looking to see in our team how we can use data science, new techniques, new data sources, to try and help prepare to run that census.   One of the particular issues in Somalia is that there are significant numbers of people who are displaced from where they usually live, by the conflict, by climate change. There's also been a drought for the last few years, and so there are hundreds of thousands, in fact millions, of people who are displaced from where they usually live. They tend to congregate in what we call Internally Displaced People Camps, or IDP camps. So they're not refugees, they haven't crossed an international boundary, but they are displaced from where they usually live. And these IDP camps tend to be quite fluid and dynamic. They're often in areas that are difficult to get to, so information on them is very difficult to obtain. They change very quickly, they grow, they contract, and a lot of them are on private land. So we're looking to see whether we can use new data techniques, and new data sources, to give us information about the broad scale of population in that area.     MF  And those new data sources are necessary presumably because it's very difficult to actually get out and physically see these people in those areas and count them physically.     TH  That's right, and they change very quickly. So if you're running a census, you want to know where your people are, so you can send the right number of enumerators to the right places, you can draw boundaries of enumeration areas and so on.     MF  You need an address register essentially, but these are people effectively without addresses.     TH  That's right. That's the way that you do it in the UK. It's not possible in many of these IDP camps in Somalia. So we're looking to see whether we can use high resolution satellite imagery, which we can task for a particular period of time, say in the next week or the next month. And we use that satellite imagery to see whether we can identify structures on the ground in these camps. And in fact, the UN Population Fund has been doing this in a very manual way for some time now. So someone looks at the satellite imagery, and they put a point on each tent, and they try and count the tents and the structures within these camps. That's obviously a very time-consuming way of doing it. So we're looking to see can we do it in a more automated way.  So we've procured some satellite data and we've developed what we call training data. So in certain parts of the camps, we manually draw around the outlines of the tents, and we use techniques called machine learning. We show computers what areas are tents and what areas are not tents. And we try and train them using these algorithms to be able to predict in areas they haven't seen which areas are tents and which areas are not tents. So we're trying to develop models where we can use high resolution satellite imagery to predict the areas where there are tents, to produce numbers of tents, and in this way, we can help to estimate the broad numbers of people in these areas, and that can feed into the preparations for the census to help it run more smoothly and more efficiently.     MF  And trying to count an ever-shifting population allowance, in that we've got seasonal variations going on, some people unfortunately being evicted, and then you've got a population that would be nomadic anyway.     TH  People in these camps, they're a whole mixture of people, some who've been forced to move because of drought, some have been forced to move because of conflict, and as you say, there are large numbers of nomadic people as well. And they have tended to also congregate in these IDP camps in recent times because of the drought and other climate conditions.     MF  And it's thought there could be up to 3 million people at the moment living under those conditions in Somalia.     TH  That's right. I mean, that I think highlights one of the particular issues, in that the numbers are very uncertain. So there is some information from camp management administrative data, there is some information from some limited surveys that the Somalia National Bureau of Statistics has undertaken, but the estimates from those two different sources produce very, very different results. And so this is what we're trying to do, to see whether objectively we can count the number of tents, and therefore have some objective measure of at least the number of tents and structures, obviously then we need to move to how many of those tents and structures might be occupied. How many people on average might be in each of those tents and structures. But can we add something to the information context that produces some more objective measures, at least of the number of tents and the number of structures in those areas.     MF  Well, that's the kind of cutting-edge stuff that the Data Science Campus is all about. But Emily, the ONS has been involved in other censuses in Africa over the longer term, hasn't it?     EMILY POSKETT  Yes, that's right, Miles. So we've been involved in a number of censuses around Africa, including Ghana, also Kenya, Rwanda and a number of other countries through our partnership with the UNECA. And we've been able to really support countries to move from using paper for data collection to using tablets for data collection, during what they call the 2020 census round. And between ONS and the UNECA, we've been able to support on a number of different aspects, including how to make the most of that tablet technology. So you don't just move from using paper to using tablets and do the same processes. There are a number of advantages to using tablets in terms of how you can monitor the quality of the data coming in in real time, and how you can speed up that data collection and that data processing, and we've been able to work with NSOs around the continent on that.   We've also been using modern data matching techniques to support countries with their post enumeration surveys, which is a way of testing and improving the quality of the census. We've also been working with partners on using data visualisation and new techniques for improving the dissemination and user engagement with the products coming out of the census and therefore increasing the value of the census data products.     MF  It's interesting what you say about introducing tablet technology for data gathering in the field, to be honest, it's not that long ago that the ONS actually moved to use that, rather than the traditional what was once described as ‘well-meaning people with clipboards' going around asking questions. And it strikes me that in developing and working with these partner countries, the sort of methods the sort of technology being introduced, is not far behind where we're at really is it?     EP  No, absolutely. The ONS experts that get involved in these projects really learn a huge amount from the partners that they're working with as well, because often the partners we're working with have far fewer resources to deliver on similar goals. So the staff have to be incredibly innovative and use all sorts of different techniques and resources in order to achieve those goals. And people coming from ONS will learn a huge amount by engaging with partners.     MF  Well, on the modernisation theme, the census is another area where we've been working with Ghana isn't it, Professor?      PROFESSOR SAMUEL ANNIM  That's correct. We had support in all three phases of the census engagement, that is before the data collection, during the data collection, and after the data collection. We were very clear in our minds that we were going to use tablets for the data collection. And one of the things that we didn't know, or struggled with, had to do with the loading of the materials onto the tablet for the data collection.   Our original plan would have taken us about six months or four months to do that. And it wasn't going to be new for Ghana. We had other countries that had taken that length of time just to load the materials onto the tablet to enable the data collection exercise. And through the ONS and UNECA collaboration, we got technical assistance to provision the tablets in a much shorter duration. If I recall correctly, it took about six weeks to get all the items on the tablet. And we had been using tablets for data collection, but we hadn't been able to do remote real-time data monitoring because we didn't have a dashboard. We didn't know how to develop it. And through the partnership we were able to get a dashboard. The benefit of that was that after 44 days of exiting the field, we were able to put out a preliminary report on the census because during every day of the census we had a good sense of what the numbers were, whatever corrections we had to make we were making them. So after 44 days of exiting the field, we were able to announce the preliminary result.     MF  Wow, you had a provisional population total after 40 days?    SA  44 days, yes.     MF  44 days! Well, that puts certain countries to shame, I think, but anyway, let's not dwell on that. That's very impressive, Professor. And there's another project you've been working on, which I suppose is close to your heart as an economist, and that's the production of CPI? Modernising that?     SA  Absolutely. Absolutely. One of the first things that happened when I took office in 2019 was as part of the partnership, I visit ONS to understand what they are doing and how the collaboration can be deepened. And one of the things that we explored, and that was the first time I had heard of it, was how to produce a reproducible analytical pipeline. And all that simply means is that if you keep on doing something over and over again, you should think about automating the process. And that is the relationship that we have when it comes to CPI now. We have completely moved away from Excel. When I got in I said in addition to excel, let's use data, because when the process is not automated, and you have heavy dependence on human beings doing it, the likelihood of error is high. So we really bought into this and now we do our traditional ways, Excel, data, and then we do the reproducible analytical pipeline to compare the results. And ultimately, we're going to move away from the traditional XLS database and rely on this automated process. And this again, would allow us to hopefully reduce the length of time that it takes. So that is the extent to which we are modernising our CPI based on our collaboration.     MF  That's very impressive. And so through the process of speeding up the lag time of those regular indicators, you get a much timelier picture of what's going on in the economy.     EMILY POSKETT  This is one of the areas we will be working with a number of partners on. This idea of using new technology to deliver reproducible analytical pipelines and really, this is where national statistics offices around the world, but particularly those with low resources, can really utilise new technology to save time and improve quality. And this is something that we're really excited to be working with a number of different offices on, on a number of different topics, to really save human resources and ultimately improve quality.     MF  Tim, bringing you in...     TIM HARRIS  I think this really illustrates one of the other benefits of data science. We've talked a lot about the mobile phone records, call detail records, and their use in Ghana for producing mobility statistics, talked about using satellite imagery and machine learning in Somalia. But data science, and the tools of the digital age, can do a lot more of the basic underpinning work in statistical modernisation really well, and I think we really need to focus on that and see where we can benefit from that. And the work that Professor Annim talks about, about automating the CPI, I think that is really important. For that we can use the tools of coding, lessons from software engineering, like version control, and auditing processes, to really help us to get much greater efficiencies in these key statistical processes which any statistics office undertakes.   And we've been very pleased to work with the Ghana Statistics Service on automating their consumer price index. I think that we're seeing that it's speeded up the process, it's reduced the scope for human error, it's enabled us to put in quality assurance checks. The process has enabled us to produce much more transparent processes, and processes that can be maintained over time, because people can understand and see what's been done rather than things being hidden in a black box. So this process of automating statistical processes is really important.  I think the way we've engaged with the Ghana Statistics Service also highlights what we're trying to do in terms of building capacity for people within statistics offices to do this work for themselves. So partly we've done some of the work to help them automate. But we've also tried to build the capacity of Professor Annim and his colleagues so that they can then do this work themselves and take it forward, and not only within the consumer price index, but also seeing how they can plan more strategically about how this work can be done in other areas of statistics production.     MILES FLETCHER  Emily, what are the priorities for the future of this international development work of the ONS?     EMILY POSKETT  So our priority for the next phase of this work is to continue with the partnerships that we have and to build new partnerships. So Tim mentioned that we are working towards a new partnership with the Somalia National Bureau of Statistics. We're also considering new partnerships in Tanzania and Zimbabwe, to add to the ones we already have in Ghana, Rwanda, Kenya, Namibia and with the UNECA. And that's just in Africa. We're also looking to see what we can do to support in other regions. We have a partnership with Jordan, and a new one with the Palestinian Central Bureau of Statistics, and we're looking to do more in that region and beyond into Asia and the Pacific as well, but also looking to consolidate the kind of topics which we've worked on previously. So we've mentioned census, data science, women into leadership training, open SDG platform, and we're also looking to do more in new topic areas. So we're looking to do more in climate and environment statistics. We think this is a really important area that we're looking to do more in, in geography and geographical disaggregation of data.  And I think we're looking to do more really on the usability of statistical outputs and dissemination of statistical outputs. I think a number of our partners do a really great job of collecting data, but there's a lot more that can be done to make use of new technology to better disseminate and improve the use of that data. So we're ambitious in the reach that we have with our small budget, but we want to make sure that we don't lose sight of sustainability, and by spreading ourselves too thinly, we could reduce the sustainability of the work that we do, and I think we're forever trying to balance off those two things.     MF  Professor Annim, perhaps I could give you the last word on this. How do you see the future of collaboration between the ONS and Ghana?     PROFESSOR SAMUEL ANNIM  We really want to push the collaboration beyond the two statistical agencies, and let me indicate that that's started already. One of the things that we want to achieve is more utilisation of our data. I mean, we are fine with the production of it. We are technical people. We can continue to improve on it. But what I see with this partnership is to scale our relationship as two national statistical offices. Our relationship should be scaled up to the data users. So we don't want to just sit as two statistical offices, improving the production of statistics, but really getting into the realm of the utilisation of statistics, and that is where we need to bring in other government agencies, based on what ONS and GSS are nurturing.     MF  There you have it, statistics are important, but it's outcomes that really matter.   That's it for another episode of ‘Statistically Speaking', thanks once again for listening.   You can find out more about our international development work, read case studies and view our ambitious strategy, setting up the ONS's vision for high quality statistics to improve lives globally, on the ONS website, ONS.gov.uk, and you can subscribe to new episodes of this podcast on Spotify, Apple podcasts and all the other major platforms.   You can also get more information, or ask us a question, by following @ONSFocus on Twitter.  I'm Miles Fletcher and our producer at the ONS is Alisha Arthur. Until next time, goodbye    ENDS 

On this episode of DIY Money, Quint and Logan talk about various stock incentives like ISOs, RSUs, and NSOs.

Cassie Hawrysh is a former Team Canada Skeleton athlete, media personality, and speaker. This episode begins with Cassie sharing her journey of starting new sports later in life, managing mental health on the road, and tips for anyone pursuing their dreams and then dives deep into a conversation on the reality of sport funding and what Canadian athletes go through to represent Team Canada at the highest levels - a conversation that was sparked by the recent strike and protests by the Canadian Women's Soccer team. We share our thoughts on what is broken within the Canadian sport systems and NSOs, our past experiences, as well as a discussion on how that lead to Cassie walking away from the sport and how she managed that transition into what she does now and more importantly, who she is now. Follow Cassie on IG: @cassiehawrysh Follow Cassie on TW: @cassiehawrysh Cassie's website Follow ALL IN on IG: @theallinproject

Today's discussion is on startup equity. We explore how founders and employees alike should value and structure equity. We discuss the many varied structures including RSAs, ISOs, NSOs, and RSUs, how taxes work, and what happens when you leave a startup. Please enjoy this breakdown of startup equity. ----- Check out the letter for the full story. Join the Fat Tailed Thoughts discussion on LinkedIn and the @FatTailThoughts discussion on Twitter with your co-hosts @KleeBeard and @StevenDickens3. For more episodes of Fat Tailed Thoughts, visit fattailedthoughts.com. Past topics include WTF is CPI, Debt Collectors Who Help Rather Than Abuse, Slow Revolutions in Financial Services, and more. Stay up to date on all of our content by joining the Fat Tail Thoughts letter at fattailedthoughts.substack.com.

Levels CEO, Sam Corcos, and Head of Legal, Zac Henderson, sat down with CEO of Carta, Henry Ward, to chat about the variety of equity offerings at startups. These include Incentivized Stock Option (ISO), Non-Qualified Stock Option (NSO), Restricted Stock Unit (RSU), and Secondary Sales. They dug into what they all mean and what the tax implications are for each. Become a Levels Member – levelshealth.com Learn about Metabolic Health – levelshealth.com/blog Follow Levels on Social – @Levels on Instagram and Twitter

On this episode of the Equity Compensation Guidebook we're going to talk about one of the most important components of equity compensation. Actually, it's one of the most important parts of any successful investing strategy. Taxes! And what better time to talk about taxes than the season opener for the 2021 filing year! If you know me, you know I have a mantra when it comes to investments and taxes... It's not what you make. It's what you keep. If you end up losing a good portion of your investment returns to taxes every year, you lose the effectiveness of compounding over time. While we do not have complete control over taxes, there are things we can do.  I'm going to start with some of the basics but we're going to stay relatively high level when it comes to the main components of equity compensation. Non-qualified stock options, usually called NSOs or sometimes just stock options. Restricted Stock Units, referred to as RSUs, and then finally Restricted Stock, which sometimes go by Restricted Stock Awards or Restricted Stock Grants. These are the big types of equity compensation and what we will cover today! You will want to hear this episode if you are interested in... NSOs and taxes [2:17] RSUs and Restricted Stock; similar but different [6:31] The 83B Election [9:38] This week's FLASHBACK [11:08]  Connect With Dan Johnson https://forwardthinkingwm.com  Subscribe on Youtube Follow on Linkedin

Learn the basics of different stock options during this live event. We cover when the most common stock options are taxed, how to maximize your tax savings, which award is the most employee-friendly, how to save money with the 83(b) election, what benefits are available with qualified small business stock, and more. Speakers include Chugh CPAs, LLP Partner and CPA Kislay Banka, and Business Development and Outreach Manager Neha Mahajan. Kislay covers the most common stock awards, including restricted stock, incentive stock options (ISOs), non-qualified stock options (NSOs), restricted stock units (RSUs), employee stock purchase plans (ESPPs), and more. #stockoptions #tax #taxsavings #taxplanning #accountant #cpa

ISOs, NSOs, RSUs, and ESPPs all together.In this episode, Trishul and Aaron discuss alternative forms of employee equity compensation. In addition to ISOs, there are NSOs, RSUs, and ESPPs, and each one comes with different tax implications. Your employer can grant access you any combination of these plans. So then, how do you decide when to exercise and when to sell? You can choose to hold on to everything for the upside. Or you can sell everything as soon as possible to lock in your benefits. But most people end up somewhere in the middle, and that's where things get complicated.Episode ReferencesMMS #99. ISO University: Congrats, you're hired! Now follow these steps with your new ISOs.MMS #100. ISO University: Your guide to navigating ISOs in a pre-IPO company.MMS #101. ISO University: It's IPO Time! So now what do you do with your ISOs?Graystone Advisor - When do I Exercise my Incentive Stock Options?Graystone Advisor - You Should Probably Exercise Your ISOs in DecemberGraystone Advisor - You Should Probably Exercise Your ISOs in JanuaryGraystone Advisor - How Do RSUs Work?XYPN: RSUsESOP and ESPPmyStockOptions.com: Holding Requirements for ISOsPodcast DescriptionWelcome to The Mind Money Spectrum Podcast where your hosts Aaron Agte and Trishul Patel go beyond traditional finance questions to help you explore how to use your money to achieve the freedom you want in life. Aaron is a Financial Planner from the Bay Area, and Trishul is a Wealth Manager on the East Coast. For more information about Aaron, check out GraystoneAdvisor.com. And for more information on Trishul check out InvestingForever.com. We thank you all for listening, and stay tuned for our latest episode on our website, MindMoneySpectrum.com.

ISOs in late stage private companies and after going public.In this episode, Aaron and Trishul discuss what you can do with your ISOs to prepare for an upcoming liquidity event. At this point, investment risks are still high, so what's the best way to capitalize from here? First, you must consider the timing of exercise. Next, you need to evaluate if you will cash out or hold on for more upside. For most people, it is some combination of cashing out as soon as possible, exercising and selling in the most tax-efficient manner, and holding on to your options or shares for long-term gains.Episode ReferencesMMS #99. ISO University: Congrats, you're hired! Now follow these steps with your new ISOs.MMS #100. ISO University: Your guide to navigating ISOs in a pre-IPO company.Graystone Advisor - When do I Exercise my Incentive Stock Options?Graystone Advisor - You Should Probably Exercise Your ISOs in DecemberGraystone Advisor - You Should Probably Exercise Your ISOs in JanuaryStock Compensation and TaxesISO vs NSO and 83b Election83b ElectionISO Disqualifying DispositionAMT PreferencesIRS: Underpayment PenaltyDrag Along RightsTag Along RightIRS: AMTAMT CreditPodcast DescriptionWelcome to The Mind Money Spectrum Podcast where your hosts Aaron Agte and Trishul Patel go beyond traditional finance questions to help you explore how to use your money to achieve the freedom you want in life. Aaron is a Financial Planner from the Bay Area, and Trishul is a Wealth Manager on the East Coast. For more information about Aaron, check out GraystoneAdvisor.com. And for more information on Trishul check out InvestingForever.com. We thank you all for listening, and stay tuned for our latest episode on our website, MindMoneySpectrum.com.

ISOs in the mid stage of a private company.In this episode, Trishul and Aaron discuss what you should look for when you've been at a private company for a few years. At this point, your ISOs may have climbed in value, so it's quite the balancing act. Not only do you need to factor in future investment risks, but also you need to analyze the impact of AMT. Furthermore, waiting to exercise can create a golden handcuffs scenario, which you want to avoid. Thus, it makes sense to exercise some ISOs each year. But don't exercise too many, or you'll end up with unintended consequences. Episode ReferencesMMS #99. ISO University: Congrats, you're hired! Now follow these steps with your new ISOs.MMS #33. If you have Incentive Stock Options, you need to listen to this episode.MMS #21. Why the VIX is useless.Graystone Advisor - When do I Exercise my Incentive Stock Options?Graystone Advisor - You Should Probably Exercise Your ISOs in DecemberISO vs NSO for 83b Elections$100k ISO Limitation83b ElectionISO Disqualifying DispositionMyStockOptions.comSlack IPOAMT Preference ItemsIRS Underpayment PenaltyPodcast DescriptionWelcome to The Mind Money Spectrum Podcast where your hosts Aaron Agte and Trishul Patel go beyond traditional finance questions to help you explore how to use your money to achieve the freedom you want in life. Aaron is a Financial Planner from the Bay Area, and Trishul is a Wealth Manager on the East Coast. For more information about Aaron, check out GraystoneAdvisor.com. And for more information on Trishul check out InvestingForever.com. We thank you all for listening, and stay tuned for our latest episode on our website, MindMoneySpectrum.com.

What should you look for when you first receive an ISO grant?In this episode, Aaron and Trishul discuss what you should look for when you begin working for a pre-IPO company and receive a grant of Incentive Stock Options. AMT isn't a concern just yet, but your investment risk is significant. Between QSBS and 83b elections, there are a few critical actions you can take right away. But most of the time, a "wait-and-see" approach will work just as well.Episode ReferencesMMS #33. If you have Incentive Stock Options, you need to listen to this episode.MMS #21. Why the VIX is useless.Graystone Advisor - When do I Exercise my Incentive Stock Options?XYPN: Your Guide to Stock CompensationTaxes: ISO $100k limits, 83b Election, Rule 3921, AMT TaxISO vs NSO for 83b ElectionsISOs and 83b Election$100k ISO Limitation83b ElectionPodcast DescriptionWelcome to The Mind Money Spectrum Podcast where your hosts Aaron Agte and Trishul Patel go beyond traditional finance questions to help you explore how to use your money to achieve the freedom you want in life. Aaron is a Financial Planner from the Bay Area, and Trishul is a Wealth Manager on the East Coast. For more information about Aaron, check out GraystoneAdvisor.com. And for more information on Trishul check out InvestingForever.com. We thank you all for listening, and stay tuned for our latest episode on our website, MindMoneySpectrum.com.

In the last episode, the focus was on restricted stock and restricted stock units. The focus in this episode is on non-qualified stock options. Part of the reason I feel this topic is so important is that it deals with specific strategies you can use to help you optimize your non-qualified stock options. Personally, I love NSOs because there is no risk to you until you exercise the option. I won't go too far into the weeds as you can go back to episode 20 where I get into the nitty-gritty details. There is no risk because you do not own the NSOs until the point you exercise them so no taxes until then either. If the actual stock price is lower than the strike price at the time you are to exercise the option, you simply do not exercise them as it would be cheaper for you to buy them on the open stock market. Today I'll cover three specific strategies to exercise your NSOs but the best strategy is the one personalized to your individual situation. So be sure to talk to your CFP to make the best decision for you.  You will want to hear this episode if you are interested in... The time-based strategy [2:51] Price based strategy [5:13] Tax based strategy [6:21] This week's FLASHBACK [9:20] Connect With Dan Johnson https://forwardthinkingwm.com  Subscribe on Youtube Follow on Linkedin

If you work for a publicly traded company and part of your compensation comes in the form of stock awards, whether that's RSUs, options (ISOs or NSOs), you might wonder if you own too much. Today I walk through a few reasons why I think "rules of thumb" are dangerous when posited as blanket advice.    Questions? Email me: Mike@ngpfp.com 

If you've ever doubted the credibility of experience in grassroots sport, Adam Bishop, GM at Athletics Australia, is gonna wanna make you pick up the phone and call your local club.Off the back of a conversation over one of Reuben's LinkedIn posts, Adam agreed to come on the show to share his perspective on why he would "always seek out those that had been proactive in learning and demonstrating experience through volunteer roles within sport."In this eye-opening chat we cover:Does the role matter? Or is it just about getting an understanding of the landscape?How important is 'Transferability'?Why it's critical if you plan to work for an NSOAnd 'political context!' Why do those with grassroots experience have a serious advantageView Reuben's post calling out NSOs to explicitly state that 'grassroots experience is valued experience: https://bit.ly/3uZxrpyIf you're wondering where to start, become a SportsGrad Member to join a like-minded community who can share their grassroots experience with you.Learn more here: www.sportsgrad.com.au/membership*This episode is brought to you by Deakin University, the Offical Education Partner of The SportsGrad Podcast.Find out why Deakin is ranked #6 in the world for sport related subjects at www.deakin.edu.auAt Deakin University you can be confident you'll get the job you want with the degree employers want.*If you enjoy the podcast, would you please consider leaving a short review on Apple Podcasts/iTunes? It takes less than 60 seconds, and really makes a difference in helping to land guests.Want a job in sport? Download our FREE eBook ‘How to Get Jobs in Sport: The SportsGrad Method' at www.sportsgrad.com.auFollow @sportsgrad on InstagramConnect with us on LinkedIn:Connect with AdamConnect with ReubenConnect with Ryan See acast.com/privacy for privacy and opt-out information.

When you find out your company is headed toward an IPO, you may not fully understand what's ahead for you and your finances.  Today, Amy Walls of Thimbleberry Financial explains 5 areas that can affect your bottom line.Taxes on stock and Equity CompTaxes on investments for the longterm4% RuleSequence of Return RiskBiasesFor help planning for your company's IPO, or for any assistance with your financial future, contact Amy Walls at Thimbleberry Financial:https://thimbleberryfinancial.com/Or call: 503-610-6510

Scouting increases happiness in Estonia, Saudi Scouts help out...and WOSM unveils a financial toolkit. News Stories New Study in Estonia: Scouting Increases Happiness, Gives Youth Solid Base for Future Saudi Scouts contribute to the organization of Covid-19 vaccination centres World Scouting launches new Financial Management Toolkit to support NSOs in financial best practices Subscribe iTunes | Google Play | Spotify | Android | TuneIn Radio | Stitcher | Anchor | YouTube Send Feedback Email Us | Leave Us a Voice Message | Twitter | Facebook | Instagram | Tik Tok | Discord | Leave Us a Review Music Unexpected Hoedown in Bagging Area, by Doctor Turtle

Welcome to the  Equity Compensation Guidebook and episode 3 of our mini-series. Today I will break down precisely what a non-qualified stock option— commonly referred to as an NSO— is. I won't be covering incentive stock options since 95% of stock options are non-qualified and I don't work with any clients who have ISO's. If I tried to explain the ISO I'm sure it would be a mess since I don't cater to those clients. NSOs are not super complex. The complexity with NSOs comes into play when you exercise the options and while we'll touch briefly on that, I'm going to save that minutia for another episode. You will want to hear this episode if you are interested in... What is an NSO? [1:19] Important time periods when it comes to NSOs [2:49] When to exercise and how to pay for your options [4:05] What to expect when it comes to taxes [6:16] This week's FLASHBACK [7:28]  Connect With Dan Johnson https://forwardthinkingwm.com  Subscribe on Youtube Follow on Linkedin

Learn the ins and outs of Incentive Stock Options (ISOs) and Nonqualified Stock Options (NSOs) and how to be tax efficient with these options.

Do you know how to take full advantage of your company’s non-qualified stock options? How do you factor this financial asset into your financial portfolio? From understanding exactly what non-qualified stock options are to knowing what it takes to put yourself in the best position to succeed - this is the episode you don’t want to miss. What about dealing with the tax implications, I’ve got you covered on that front too! Get your financial information from a source that has your best interests at heart. Make sure you have pen and paper handy - you’ll want to take good notes so you can reference this critical information down the road!  You will want to hear this episode if you are interested in... What a non-qualified stock option is and how it works. [1:15]  How your non-qualified stock option is taxed. [3:30]  Breaking down an example of how to utilize non-qualified stock options. [5:00] Three strategies you can use to exercise your options. [9:45] Helpful questions to ask yourself. [12:30] What are non-qualified stock options?  Have you ever worked for a company that offered non-qualified stock options (NSO)? How do the options work? If you’ve got the option for NSO at work, you might want to know what those options are. An NSO is a type of employee stock option where you pay ordinary income tax on the difference between the grant price and the price at which you exercise the option. It is important to note that non-qualified stock options require payment of income tax of the grant price minus the price of the exercised option. NSOs might be provided as an alternative form of compensation. In most cases, the prices are often similar to the market value of the shares. Now that you understand what non-qualified stock options are, the important part comes next, how can you use those options?  Three strategies you can use  To make the most of your company's non-qualified stock options, I’ve got three strategies for you to consider. If you don’t have a place to start when it comes to using your stock options, let this be a starting place for you!  Exercise your NSO and sell it immediately with your own cash or through a brokerage. Exercise your NSO and hold on to the stock options.  Wait toward the very end of when the NSOs are set to expire, exercise, and then sell.  There is however an additional way to have your NSOs taxed and rather than waiting to exercise them - you can use an 83b election. The 83(b) election is a provision under the Internal Revenue Code (IRC) that gives an employee the option to pay taxes on the total fair market value of the restricted stock at the time of granting. To learn more about NSO and so much more, make sure to tune in to this informative episode! Connect With Morrissey Wealth Management  www.MorrisseyWealthManagement.com/contact

Like the idea of working in an array of global sports such as AFL, Basketball, Soccer, Rugby and Surfing? How about working with Executives at NSOs down to Volunteers at grassroots clubs? Plus plying your trade with the world's leading innovative technology? That's exactly what can be on offer for you in a career in Sports Technology! In this episode, we are joined by Cam O'Riordan - Board Member for the Australian Sports Technologies Network and Director of Sales and Marketing at SportsTG - the global leader of integrated sports technology and digital solutions. Cam shares with us his learnings from a career spanning 10 years in Sports Technology as well as what volunteers can expect the future to look like for grassroots sport management platforms.Plus, Cam reveals what he looks for when hiring graduate candidates at SportsTG, why he priorities some over others and shares a first-hand example of why his most recent applicant interview blew him away. In this episode you will learn:- The future of grassroots sport management platforms and how you can measure your impact as a volunteer at your grassroots club [10:00]- The array of sports, people and technology Cam works with at SportsTG [17:23]- The top qualities Cam looks for when hiring new candidates [20:30]- Cam's #1 tips to get your foot in the door in Sports Technology [27:30]- What you can expect to hear from Cam at the upcoming Australia Sports Tech Conference [32:30]- Plus heaps more!You can see Cam at the Australian Sports Technology Conference coming up on November 20. For 30% your ticket off use the code SGRAD30!***If you enjoy the podcast, would you please consider leaving a short review on Apple Podcasts/iTunes? It takes less than 60 seconds, and it really makes a difference in helping to land guests. See acast.com/privacy for privacy and opt-out information.

In this episode, Aaron and Trishul discuss the factors employees must consider when exercising their stock options. They go into strike price, Fair Market Value at exercise, sales price, and tax implications. They explain the difference between Non-Qualified Stock Options and Incentive Stock Options. They also introduce leverage, the Alternative Minimum Tax, and Golden Handcuffs. In the end, the decision of when to exercise options often lies on a spectrum between a sensible investment decision and a sensible tax decision, with most people falling in the gray area in the middle.Episode ReferencesGraystone Advisor - When do I Exercise my Incentive Stock Options?MMS #21. Why the VIX is useless.Stock Options 101: ISO vs. NQSO vs. Restricted Stock UnitsQualified Small Business Stocks Are More AttractiveIRS Code Section 409AAlways File Your 83bPodcast Description Welcome to The Mind Money Spectrum Podcast where your hosts Aaron Agte and Trishul Patel go beyond traditional finance questions to help you explore how to use your money to achieve the freedom you want in life. Aaron is a Financial Planner from the Bay Area, and Trishul is a Wealth Manager on the East Coast. For more information about Aaron, check out GraystoneAdvisor.com. And for more information on Trishul check out InvestingForever.com. We thank you all for listening, and stay tuned for our latest episode on our website, MindMoneySpectrum.com.

Programlederen vår Christina snakker med Fam Karine Heer Aas om statsbudsjettet og forklarer NSOs arbeid.

Host John Chapman of the John Chapman Show talks with Vieje Piauwasdy about the differences between incentive stock options and non-qualified stock options, grant date, vesting periods, exercising, and the tax consequences for employees of private companies.   Episode Highlights: Vieje shares his background and the company that he works for, a fintech startup called Secfi.   What are some of the things that employees come to Vieje for regarding stock options? What is the difference between ISOs and NSOs? What would be the ideology to offer their employees  What are the timeframes for employees for ISOs? What is the typical timeframe that employees have to exercise stock options? How do ISO and NSO taxes differ?  What happens when the spread is much greater than the market value?  Why is the idea of an early stock exercise something to consider after a vest date?  If someone has exercised, bought the shares, paid the AMT tax bill, what are the other things for them to think about as far as tax implications?  Vieje talks about NSOs, when they vest, and exercising them?   3 Key Points: There is a limit of $100,000 that you can offer as an ISO for American employees.  When you leave a company, you have 90 days to exercise stock options or lose them completely.  For the US, you are taxed when you exercise stock options.    Tweetable Quotes: “90% of my day is just helping employees with their stock options.” – Vieje Piauwasdy  “People have an insane amount of stock options where, if you could pay $1 to get something that is worth $20 its a no-brainer. But, if you are looking at 100s of thousands of options, not a lot of people have that liquidity.” – Vieje Piauwasdy “The vesting date means when you actually own that (stock) option.” – Vieje Piauwasdy   Resources Mentioned: Vieje Piauwasdy Linkedin Secfi website John Chapman Linkedin

We discuss stock options versus RSUs, vesting schedules, strike prices, the 490a valuation, ISOs v NSOs - and how to get it all right. Get the episode transcription here: brex.com/brexintheblack/episode-12/ You can sign up for Brex here brex.com

In this episode of On Side Darren Mullaly, our Deputy CEO – Legal, Education and Corporate, discusses why ASADA has confidentiality undertakings with national sporting organisations (NSOs).   Mullaly says ASADA’s default position on the disclosure of protected information is to maintain confidentiality, however there is some flexibility.   “The confidentiality undertakings don’t restrict sports in all cases, there’s sufficient flexibility built into those arrangements where ASADA can talk with sports and make decisions on a case-by-case basis because … as we know every single one of these cases is different,” Darren says.   “We need the flexibility in those arrangements to be able to take into account things like an athlete’s welfare, which is going to vary from case to case, from sport to sport, from event to event, and other considerations like the operational advantage ASADA gets in terms of exercising its powers and a range of operational considerations that are built around that.”   We also discuss whether athletes on the Registered Testing Pool (RTP) can being tested outside their designated hour, and how ASADA’s education reaches all levels: sports, schools and support personnel, parents, and students.   This podcast goes behind the scenes of ASADA, it answers questions relating to anti-doping and educates you about clean fair sport.   Our mission is to protect the health of athletes and the integrity of Australian sport.   Produced by Lyndall Larkham & Tim Gavel. Recorded, edited & mixed by Ryan Micallef.

With only one clear front runner, we entered the finale with some trepidation. It's easy to understand why some of us might harbor fear for a possible disappointing ending given recent events with a previously loved fantasy show that is currently in full meltdown as it draws to a close, disappointing fans around the world. But Reality TV is thankfully not dependent on fickle writers. You never know what you might get with Survivor, but in this case, we ended up being both surprised and happy with the end result. What did you think of the historic moment we witnessed in the finale? What did you think of the challenges? Who's gameplay impressed you the most? Were you happy with the end result? How would you grade this Reunion show? What's your take on the season as a whole? Where does it rank against the other 37? What's your first impression of season 39,Island of the Idols? Congratulations to our JSFL Winners, James-n-Shannon with 101 total points! The JSFL side challenger's scores are: James-n-Shannon won with 101 points. Jack came in 2nd with 80, Randy: 72, Stacy: 63, BrandonA: 62, Drew: 59, Slappy McGee: 56, Brad, JKindred, Jeremiah & Parker: 50, ColdMike: 49, Jonathan: 47, and IronDave: 52. James-n-Shannon will pick a song for IronDave to write and perform as a parody based on this season's events. We've got several ways you can reach us. You can call and leave a voicemail at 206-350-1547 or toll-free at 844-643-8737. You can record an audio comment and attach it or just type up a quick text message and send it to us via email at joannandstacyshow@gmail.com. Listener Feedback is due by Saturday Noon PST. Please keep it to 3 minutes or less. 00:00 Date 00:04 Intro: Anxious Abyss 00:47 Introductions 103:32 NSoS 105:07 JSFL Update 113:01 Outro: Gigantic Doubts Links for Today's Show Music from Jukedeck - create your own at jukedeck.com Paul's Visual Roster Survivor Fans Podcast Fans group on Facebook JSFL SFP on Twitter SFP on YouTube SFP on iTunes SFP on Spotify SFP on Google Music Contact Info: Voicemail: 206-350-1547 Toll Free Voicemail: 844-643-8737 Email: joannandstacyshow@gmail.com Survivor Fans Podcast P.O. Box 2811 Orangevale, CA 95662 Enjoy, Jo Ann and Stacy  

I helgen var Tina og Henrik innom landsmøtet til Norsk studentorganisasjon, og spilte inn en episode fra scenen foran hundrevis av tilskuere. Sjekk ut podcasten her!For de av dere som har savnet hyppigere oppdateringer lover vi at de neste ukene skal by på flere episoder

Podcast Details: Podcast Title:  Strategies to Maximize Executive Compensation Podcast Series: Financial Literacy Boot Camp (Video and illustrations available on our YouTube channel here.) Powerpoint Slides In my previous positions and just through a lot of reading on executive compensation, we’ve developed an expertise.  So any of you listening out there that have executive compensation like RSUs, restricted stock, NSOs or ISOs, you want to give us a call so we can evaluate whether not you are maximizing your wealth potential and saving yourself money in tax liability.  Today, I’m going to share a little parable that gives a high-level overview of how we help our clients. In previous articles, we’ve have mentioned the importance of having a specific strategy to maximize your wealth bu --- Send in a voice message: https://anchor.fm/dom-the-maven/message

Q and her guest Nathan discuss our "dream" tournaments, why derby players fart so much, why people don't wear helmets when they aren't playing derby, how to retain NSOs and refs, and how to improve lateral movements. This show brought to you by Sweat X detergent! Let’s face it derby boys and girls, your gear stinks and that makes you stink. Sweat X gets all the bad bacteria that causes that stink while also killing 99.9% of the MRSA and Staph infection viruses. SweatX has no dermal impact so no worrying about allergic reactions caused by other detergents. We also have the Stain remover spray for the marker and blood stains on your jerseys and Odor Eliminator spray for your skates, helmet and bag that can’t go in the wash. Call Susan at Derby City Skates 336.926.7426 to order yours now. Also check out our Facebook page SweatX for Roller Derby. https://www.facebook.com/Sweatxderby/?fref=ts Don't forget to hit up http://derbysupply.net/ which is now houseofsk8.net for your derby needs! Use the code ELEKTRA for a special deal!

Studentene ved Bergen Arkitektskole bruker mest tid på studiene sine i Norge. Jussbussen har vært i Bergen. Kunnskapsminister Torbjørn Røe Isaksen har lagt frem strukturmeldingen, vi får NSOs reaksjoner. Eksamenstida nærmer seg med det av angst og stress som følger med. Joachim Kvamme sin kommentar om 8. mars har vekt mange reaksjoner, blant annet fra Maria Dyrhol Sandvik. Det juridiske fakultet har fått sitt eget lærings- og fomidlingssenter. DERA ønsker eksamensfri 18. mai. I studio: Jon Peder Horn Opsahl og Øystein Hellevik.

NSOs landsstyre vil ta bort skolepenger for studenter på privatskoler. Vi møter lederkandidatene til ledervervet i NSO. Programleder: Adrian Nyhammer Olsen

I Nyhetsuka denne uken får du høre frp og krf diskutere hvordan de kan sitte i regjering sammen, Studentparlamentets Tommy Aarethun forteller hva studentene synes om å studere ved UiB, og vi får besøk av Amnesty som forteller om viktigheten av å arrangere Menneskerettighetsuken. I tillegg kommer studentleder ved Raftostiftelsen Marthe Sleire Engedahl som forteller hvordan raftoprisvinneren mottok nyheten om prisutdelingen, og leder for Studentparlamentet ved UiB Bjørn Kristian Danbolt er med direkte fra NSOs landsstyremøte. Alt dette og mer kan du høre Nyhetsukas podcast. Sendingen ble ledet av Katrine Hamre Gundersen, produsent var Vegard Sande.