Podcasts about pulled

⚠️Content Warning: This episode discusses disability, regret, resentment, and medical trauma. Listener discretion advised.In this episode, Kristen and Erika dive into a post titled “I dislike my disabled child and I am ashamed.”Pulled straight from Facebook — where it racked up over 5,000 likes — this anonymous post opens up an uncomfortable conversation about parenthood, disability, genetic testing, medical gaslighting, caregiver burnout, and the realities no one prepares parents for.We react in real time to a mother describing life after learning her child will be profoundly disabled, require 24/7 lifelong care, and never be independent. From missed genetic diagnoses and a lawsuit, to rage, grief, resentment, and shame — this episode tackles the things parents aren't allowed to say out loud.We also unpack:Medical gaslighting of women by doctorsSociety's obsession with “perfect motherhood”How people are brutally cruel to regretful parents onlineThe myth that “everything will work out” If you're childfree, on the fence, or questioning the fantasy version of parenthood society sells us, this episode is for you.More episodes, tours, and unfiltered chaos: DinkyPod.comJoin our childfree community: patreon.com/dinkypodTake a trip with us: https://trovatrip.com/host/profiles/dinky-wxarg Learn more about our podcast: dinkypod.com Love ya. Don't get pregnant.

Border czar Tom Homan announces an overhaul of the Trump Administration's aggressive immigration crackdown in Minneapolis. It starts with the drawdown of 700 agents.  Plus: Italian authorities are now forcefully responding to ICE's presence at the Olympic Games as outrage grows.  Learn more about your ad choices. Visit podcastchoices.com/adchoices

Two years ago the FDA pulled down just about every insulin calculator app. A lot of them just disappeared, rather than seek official approval, but one of them – created by a teenager with type 1 – is back. I'm talking with Drew and Mike Mendelow about the relaunch of T1D1, a free and ad-free insulin-dose calculator app. They share what it was like to navigate the FDA process, how they go international help, and what's next. This podcast is not intended as medical advice. If you have those kinds of questions, please contact your health care provider. Announcing Community Commericals! Learn how to get your message on the show here. Learn more about studies and research at Thrivable here Please visit our Sponsors & Partners - they help make the show possible! Omnipod - Simplify Life All about Dexcom  All about VIVI Cap to protect your insulin from extreme temperatures The best way to keep up with Stacey and the show is by signing up for our weekly newsletter: Sign up for our newsletter here Here's where to find us: Facebook (Group) Facebook (Page) Instagram Check out Stacey's books! Learn more about everything at our home page www.diabetes-connections.com 

Tim and Jeff Kurkjian can't help but be fascinated (once again) by the lingering snow from the storm—though their dogs are clearly over it. Big shoutout to our SABR friends in Las Vegas: thanks for having us, and welcome to the family to those who are new!Jeff quizzes Tim on Grammy nominees and winners, and surprisingly, Tim holds his own. How would you have done? If you love this country, you'll love Team Tim, as we take a tour through America's cities. We also dive into two major free-agent signings, with Tim breaking down the impact of Eugenio Suárez and Luis Arraez.And don't even mention Pinewood Derby to Tim—or karate to Jeff—trust us, both are sore subjects. We also reminisce about some great players, including the “tenth man,” Will Clark (you'll have to tune in to find out what that means).We're hoping to grow our YouTube following, and it's easy to help: search “Is This A Great Game, Or What?” on YouTube and hit subscribe. You can watch the full show in video form—how neat is that? Sure, we're easy on the eyes, but the reactions and laughs are even better on video. Thanks so much for supporting the show! Visit GreatGameOrWhat.com to contact the show with your questions, quips and insights. Joy Pop Productions LLC Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

What would you do if someone pulled a gun on you? I don't think any of us really know until we're actually put into that situation. Many years ago, someone pulled a gun on me and I was surprised by how I responded. In this episode of How to Train a Happy Mind, I share that terrifying experience and reflect on how an attitude of love and compassion, at least in this one very specific instance, may have saved my life.This episode is a recording of a talk and guided meditation I gave just a few days ago in our train a Happy Mind community, which meets every Sunday morning for live discussion and meditation. If you'd like to become part of that community, you can learn more at trainahappymind.org.Before I play the episode, I want to offer a clear disclaimer. I am not advocating in any way that anyone respond as I did in a situation like this. In general, personal safety guidance emphasizes that if someone threatens you with a weapon, the safest response is usually to stay calm and do what they ask. This story describes a very specific and unusual situation, where what the person wanted would have caused even more harm. Every situation is different, and there's no single right or safe response. Please don't take this episode as personal advice about your own—or anyone else's—behavior. Instead, take it as a story: one that illustrates how we train our minds toward nonviolence, compassion, and love.

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In an event known as The Transfiguration, Jesus revealed His glory even if just for a moment. This had quite an effect on Peter, and it should on us as well.Join me for today's Daily Word & Prayer to learn to more.Scripture Used in Today's MessageMatthew 16:28-17:82 Peter 1:16-18To find Tom on Instagram, Facebook, TiKTok, and elsewhere, go to linktr.ee/tomthepreacher

Kim Kardashian confirms that Prince Harry and Meghan Markle personally asked for photos of them at Kris Jenner's Beverly Hills birthday party to be taken down after realizing the images clashed with Remembrance Day, triggering a brief Hollywood “photo-gate.” Ben Mulroney offers a rare update on where things stand between Meghan and his wife Jessica Mulroney after years of fallout rumors. Meanwhile, reports say Meghan's long-anticipated return to the UK is being carefully engineered around the Invictus Games to avoid uncomfortable royal encounters, even as her As Ever Valentine's Day jam relaunch draws criticism online, prompting a quick pivot to a new chocolate partnership.Palace Intrigue is your daily royal family podcast, diving deep into the modern-day drama, power struggles, and scandals shaping the future of the monarchy.Hear our new show "Crown and Controversy: Prince Andrew" here.Check out "Palace Intrigue Presents: King WIlliam" here.

Setting up an IC-DISC the right way can mean the difference between maximizing tax savings and having issues down the road. In this episode of The IC-DISC Show, I sit down with Brian Schwam, IC-DISC specialist and tax attorney, to walk through the complete IC-DISC setup and compliance process from start to finish. This conversation was inspired by a CPA request for a comprehensive guide covering every step of the IC-DISC journey. Brian breaks down the entire process chronologically, from the initial consultation to determine if a business qualifies, through the critical formation steps that can make or break your IC-DISC. We cover proper capitalization requirements, the infamous 90-day election window, why non-interest bearing bank accounts matter, and the draconian 60-day payment rule that catches many businesses off guard. He explains the difference between simple and transaction-by-transaction calculations, sharing an example where detailed analysis increased a client's commission from $4 million to $17 million on $100 million in export sales. Whether you're a CPA learning about IC-DISC for the first time or a business owner considering this strategy, Brian's systematic approach demonstrates why working with a true specialist matters when navigating these complex regulations.     SHOW HIGHLIGHTS A detailed transaction-by-transaction calculation increased one client's IC-DISC commission from $4 million to $17 million on the same $100 million in export sales. Missing the 90-day election filing window requires a private letter ruling costing $35,000-$40,000 to fix, making it cheaper to just set up a new IC-DISC. The 60-day payment rule requires paying at least 50% of your estimated commission in cash or promissory note within 60 days of year-end to avoid disqualification. Setting up an IC-DISC with no par value stock is a fatal error that will cause the IRS to reject your election, regardless of everything else done correctly. A non-interest bearing bank account is essential because even $1.50 of interest income can disqualify your IC-DISC if no commission is paid that year. Export sales typically need to reach $3-5 million before an IC-DISC makes economic sense, though exceptions exist for businesses with exceptionally high profit margins.   Contact Details LinkedIn - Brian Schwam LINKSShow Notes Be a Guest About IC-DISC Alliance Brian SchwamAbout Brian TRANSCRIPT (AI transcript provided as supporting material and may contain errors) Dave: Good morning, Brian. Welcome to the podcast. Brian Hey, good morning David. Good to be here. Dave: So I, I now refer to you as the Bob Hope of the podcast because I believe that Bob Hope holds the record for the most appearances on the Johnny Carson Show. So that's why you're like the Bob Hope of the podcast. You have more appearances than anyone else with today's appearance. Brian That's good company to be in if you're of a certain, if you're of a certain age. Dave: Yeah. And I'm not even sure you and I are quite old enough to even be of that certain age. Brian I probably never saw him on Johnny Carson. Dave: Yeah, me too. So this is an episode that was requested by a CPA of one of our clients who was retiring and he had a new. Partner taken over and he said, Hey Dave, can you send over a link to the episode that just goes through all the details of the IC disc from start to finish? And I'm like, well, we don't have that episode, but it's a great idea. So that's what's behind this. So let's start at the very beginning. Somebody calls you up and says, Hey Brian, I need an IC disc, or I want an IC disc. What's the very first step? Brian Very first step for me is to say why. Dave: Okay, Brian tell me about your business. Dave: Okay. Brian You know, do you have qualified export receipts? Do you have qualified export property? That those are very complex areas. And some people might think they do when they don't, and others might think they don't when they do. Dave: Okay. Brian And more likely than not, they heard about IC disc from. Somebody they met at a, you know, business leader meeting or something and somebody said, oh, hey, I have an IC disc. You should have one. Dave: Okay. Brian And not everybody can utilize one, but there's many out there that can utilize 'em that do not. Dave: Okay. And do you charge anything for that consultation? Brian No, because to me it's just a fact finding. Dave: Okay. So step one, figure out if their fact pattern warrants having an IC disc. Brian Right? Right. Well, it's, it's actually, that's one step. If you deter, if we determine that yes, an IC disc makes sense because they do have qualified export property, they do have qualified export receipts, then we have to talk about volumes. Because, you know, if you have 500,000 of export sales, most like more likely than not. Disc isn't gonna make sense. Dave: Economic sense when Brian you factor Right. Economic, the Dave: costs Brian not right. There's not enough benefit to offset the cost at that, at that level, most likely. Of course. It [depends on what, what it is they're selling. Dave: Sure. Do you have a rule of thumb you typically use? Is it like three or 5 million where it typically makes sense or every case Brian For most, for most businesses, that's sort of the range that where it starts to make sense, but there are always exceptions to that. Dave: Sure. Brian So like I had a client that had, you know, 600,000 of export sales, but their bottom line profit was 80%. Dave: Okay. Brian So in that instance, hey, it made sense, but for most companies that have 600,000 of export sales, it, it probably doesn't make sense. Dave: Okay. So let's say they have 5 million of exports, good margins, looks like it makes economic sense. What's the next step then? Brian Well then we talk about what is the tax structure of that exporting company? Is it a flow through entity? Is it a C Corp? And how is it owned? Sometimes [00:04:00] it's owned by a foreign company that makes things way more complicated. Okay. It's owned by a combination of different shareholders, some of which are individuals, some of which are corporations. So that can be complicated. And sometimes it's just a, it's just a pass through entity that's owned by, you know, let's say it's an S corporation that's owned by a family owned. Dave: Sure. Brian You know, so you, you can have a lot of different fact patterns and that will dictate a lot of things with, with respect. Dave: Okay. Brian To how the disc is organized. Dave: Might that also be the time? You inquire as to whether multiple discs might make sense for their structure, or do you typically just focus on kind of getting the initial disc in place and then exploring that over time? Brian Probably the latter. Dave: Yeah. Brian Initially I, you know, the goal is, you know, do you have enough activity? Do you have the right kind of activity? What kind of benefit is it that you think you can, we can get for you? And then, okay, if the answer to all those are in the positive, then it's like, okay, how should this disc be owned based on what we're trying to achieve and where should it be set up? Because that also can have a lot of negative surprises if you set it up in the wrong place. Dave: Yeah. So let's say and I think there's some rules of thumb like if if the. Exporting company is a C corp, you typically don't want the C Corp to own the disc, is that correct? Brian That is, that is correct. And that's because a C corporation pays tax on a dividend. It receives from the IC dis, so effectively there's no benefit. Dave: Okay. So with a C corp, typically it would be the individuals, individual or [individuals that Brian are Oh, the, the shareholders typically, Dave: yeah. Brian You know, possibly a management group could be involved as well, but typically we're talking about the shareholders of the C corporation. Dave: Yeah. And the shareholders of the disc do not necessarily have to mirror the shareholders of the C corp. Right. Brian That is sort of up in the air. I, I prefer that to be the case, but it doesn't have to be the case. Dave: Yeah, like in a simple example, census C Corp owned by one person and when they set it up, they wanna add a couple key employees to it. Brian Yeah. That, that, that's probably fine. You know, there's some old revenue rulings out there from the early 1980s that have a bad fact pattern, which the IRS held that the structure created gift tax issues, but that was like a mom and a dad and a son and a daughter, and mom and dad set up a disc and then gave the stock to the son and the daughter. And, and so that, that's, I see that's a bad fact pattern. What you described is a completely different fact pattern. There's no donative intent in that fact Dave: pattern. Yeah. Okay. In Brian fact, that I have a client that started out where the disc and the C Corp was. It did have mirror ownership, but over time, that has changed dramatically. But still, there's no donor of intent because we have all these unrelated families that own shares in the company in this quote company. And when there have been redemption opportunities over the years, they have the choice redeemed, the disc shares redeemed. The, the C corp shares redeemed them both. So some of like kept their dis shares, but gotten rid of the C Corp shares and vice versa. But really without the donative intent, plus some court case you know, precedent, I, I'm not [00:08:00] so concerned about that issue. Dave: Okay. Now let's switch gears and let's say it's a flow through an S-Corp partnership et cetera. Do you typically want the individuals to own it in that situation? Say that the company has three shareholders, would you just make them the three owners of the disc? More often than not, no. Okay. And why is that? Brian Because it, you get the same benefit by making the disc a subsidiary of the S corporation without some of the extra complexity associated with having the disc be owned by the shareholders. Now that, that's, that's preferred, but there are also situations where that doesn't make sense. Dave: Okay. Brian So let's say the, the S corporation is in California and the shareholder lives in Texas, or Florida. Or Nevada. Dave: Okay. Brian So they might want that dividend income flowing directly to them so that there's [00:09:00] no state Oh. So that there's no state income tax on the dividend. Dave: Sure, sure. Brian Okay. Okay. Yeah. So again, it's just another fact you need to uncover in the process of trying to figure all this out. Dave: Okay, so you've met with the client, you've figured out a disc makes sense, you've dug further you figured out the ownership structure of the disc. That makes sense. So then I guess you have to figure out where to incorporate, huh? Brian Yeah. And that again, there are good states and bad states. Dave: Okay. Brian Some states will tax an IC dis as a regular C corporation, you wanna avoid those states. Some states don't have an income tax at all, and those are good states to deal with. Dave: Okay. Brian And the three, you know, I'd say there's three states that are predominantly viewed as positive, and that would be Delaware, Texas, and Nevada. Okay. They're all fairly similar. For filing. And, and none of them have a corporate income tax on the dis so that's, that's all good in terms of not adding additional costs to the, the structure. Dave: Okay. So I'm in Texas and thus you, it seems like most of my clients end up incorporating in Texas. Do you just so here we are January 8th. We're recording this of 2026. So do you just do you just get around to doing it anytime before the end of the year and then you could use the disc the whole year? Is that how it works? Brian It's not how it works. It's generally a prospective opportunity. So you wanna get that entity formed as quickly as possible. Dave: Okay. Yeah. I've had people, I've heard [00:11:00] people say that if you don't do it on January 1st, you just have to wait till the next year. Brian No. That, well, that's certainly not true. And from any date forward that you set it up, you can certainly get benefits or shipments. Okay. That they, but one other item that I forgot to mention earlier, they also like to ask if the, if the related supplier entity, which is the exporter, if they're an accrual based company or a cash basis, Dave: ah, Brian that's an, that's an incredibly important issue Dave: Sure. Brian Dealt with. That's why. Dave: Okay. Brian Because the disc is an accrual base taxpayer by default. Dave: Yeah. Okay, we'll get into that when we get further around the, Brian okay. Dave: I think about when I was a kid, there was a, there was a Saturday morning TV series I think called schoolhouse Rock. And one of the episodes was how, how a bill becomes a Law [00:12:00] And there's the whole steps, the Brian episode, everybody remembers. Dave: Yep. Yep. So everybody our age at least. Okay, so you've got the disc set up and say you do it in Texas and let's say they make the decision January 8th, takes a few days to, you know, just kind of get stuff, you know, information from the client set up. And let's say you get it set up January 15th, so then they're good to go, huh? They can just start using that disc and away we go. Anything else? Ha. That has to be done Or is it, is it that some Brian on the, on the surface, yes, that's true. Dave: Okay. Brian But beneath the surface, there's other things that have to take place. Dave: Okay. What's the next thing that has to happen after you've formed the disc? Brian Well, you have a, there's a 90 day window to file a disc collection with the IRS. That's probably the most critical thing that has to happen. You have to file an actual paper form with the IRS to elect disc status for the company, because the company, when you set it up, it's just a corporation. Without that election, it's not a disc. Dave: And that election, is this the famous form 48, 76 dash a, is that said election, Brian famous or infamous in some cases, Dave: yes. Yeah. Okay. So you have to, so you just well, you just go to the IRS website. Download the form, send it in, bing, bam. Boom. You're done. You're good to go. Brian Not exactly. Dave: Okay. That's the Brian first Dave: step. Brian Skip. That's the first step. But the I mean, first of all, when you're setting up the disc, you have to make sure you incorporate it properly. Dave: Okay. Brian I kind of glossed over that. Dave: And what are some of the elements of proper incorporation? Brian Well, for example, when you go to a, the Texas website or any other secretary of State website to organize the company, because it can be done all online, [00:14:00] like the default is always, you know, no par value stock, right. Brian If you just select the default, you are going to have a problem because Okay. Dis rules require, you know, par or stated value of $2,500 on the, issued an issued an outstanding stock of, of the disk. So I had a client that came to me years ago. They had set up a company in, well, they used Wyoming, which is also possible to use, and it's not a bad jurisdiction. And they had, he had his quote unquote friend that who was an attorney, set it up for him. And there were some issues with the DISC collection and it went back and forth and then ultimately took a look at the articles of incorporation and it had, you know, $1 power stock, 1000 shares. Dave: Ah, that's a problem. Brian That's, [00:15:00] yeah. So no matter what happened with the disc election and the back and forth with the IRS, the disc election was ultimately never approved because the entity didn't meet the requirement. Having enough outstanding capital stock. So you have to have one and it can only have one class of shares. So there are, you know, there are some hoops you have to jump through in terms of not doing things incorrectly or doing things correctly. So you have to make sure there's one class of stock, $2,500 par value. There can't be foreign sales corporation in the same patrol group, which years ago was a big deal, but now it's not really a big deal because those have been gone for many years and almost nobody has one left. Not, not really an issue there. And what, you know, those are the formation matters that, that mattered, that are important to make sure you, you meet when you form the entity. Okay? If it's formed wrong, right from the get go, you have a problem. If [00:16:00] it's formed correctly, then the next step is yes, file a disc election. Dave: And, but before you file the disc election, there's a step we're missing, right? Doesn't the DISC election require. To put the corresponding EIN for the distance. Oh yes. I mean, I just assumed we, yeah, you obviously you have to apply for an ID number for the new entity that does not come automatically with the incorporation. Brian 'cause that's done with the state as opposed with the IRS yes. Dave: Yeah. And that's become more challenging. It used to be pretty easy to get an EIN you could apply under a corporate name or Brian yeah. But there, there's a, you know, there is an online portal with the IRS to get an EIN for a domestic company. So it's not, it's not Dave: terrible. Yeah. Brian It's not terrible. Dave: Yeah. So you have the EIN that you need for the 48 76 ae. Brian Right. Dave: You have you have 90 days, Brian you have the proper capitalization. Dave: Yeah. Brian You figured out who's gonna own the disc because the, the disc collection is. Signed, you know, it's not just made by the disc entity. It's made by the disc entity, then consented to by the shareholder. So you have to make sure that all that takes place. I can't tell you the number of times where somebody filled out part one, the disc signed it, and then the shareholder forgot the consent to it. And if you don't do the 48 76 dash eight correctly, you get it filed timely. It's an extremely expensive fix to try and get that Dave: rectified. Brian Generally, you have to try to get a private letter ruling, which will grant an extension of time to file the late disc collection. Dave: Okay. Brian And that's that's an expensive process. It's a 25 to $30,000 exercise to [00:18:00] file the private letter, really. Plus you have to pay a user fee to the IRS of 10,000, 11,000. Dave: Wow. Yeah. It seems that seems inconvenient at, at best. Brian And for most companies, they're better off just setting up a second dose Dave: Sure. Brian As opposed Dave: to process, Brian because how much volume there is. Dave: Yeah. Yeah. And I understand the IRS itself refers to these as a, a paper entity. So I guess since it's a paper entity, that's it. No need to fuss around with a bank account or actually have to capitalize it with actual money is there. Brian It's, it's recommended, but you're right, it's not required. There's no requirement in the disk rules to set up a bank account. Dave: Okay. Brian So there it could simply have. A receivable receiv for the capital stock. And that can be, its working capital doesn't have to have a bank account, but that's sort of a misnomer that people think it must have a bank account. Okay. In the original regulations, that was a requirement, but when the regulations are finalized, the requirement was removed. Dave: Okay. But practically speaking, it you probably wanna have a bank account. Brian Yes. Practically speaking, it makes all the sense in the world to have a bank account, a non-interest bearing bank account. Dave: And why is the non-interest bearing important? Brian Well, it, it has to do with one of the annual requirements of a disc. That 95% of its receipts have to be qualified export assets. I'm sorry, receipts. And so let's say in a year the company decides. You can't always decide not to use the DIS even though you've got it in place. So let's say the company says, well we're not gonna use the, this year we had a loss. In our business there's no using. Dave: Okay. Brian We say, okay, and then the DIS bank account earned a dollar 50 of interest income. Dave: Okay, Brian well 100% of the receipts are now not qualified receipts. Okay. Income and no other revenue. If there was a non-interest bearing bank account, it would just have no receipts and then it would be fine. But the earning, the dollar 50 of interest would disqualify that. Dave: Okay. So non-interest bearing account and then I guess the dollar amount in the bank account, what you start with, $2,500 initially. Brian Yeah, pretty much keep it there forever. Dave: But, but it doesn't matter if you end up, oh, if you're a little lazy and you forget to distribute all the money and you end up with 50 grand at the end of the year, that, that's not a problem, is it? Brian It is. Dave: It is. Everything's a problem Brian with you, Brian, because everything, 'cause the, these rules are draconian and everything can become a problem. So a commission dis anyway, a comm, [00:21:00] you know, a paper entity commission dis doesn't need $50,000 of working capital. And the IRS would hold that, that that's not a qualified export out. Like having too much working capital in DIS will cause it to fail. The other test, which is the 95 qualified export asset test 2,500, you know, an amount of cash equal to the capital stock is fine. Dave: Sure. Brian Amounts above that start to, you know, raise questions as to whether. That's reasonable working capital or not? Given that the entity's a paper entity, it doesn't really have any expenses. Maybe some bank fees. That would be about it. In most cases, it really doesn't need cash sitting. Dave: Yeah. Yeah. So maybe 3000, 3,500 to account for some bank fees or, Brian yeah, at most, yeah, we start getting about 5,000. It really starts to [00:22:00] look questionable. Dave: Okay. Oh, I just realized, I think in the initial assessment there was a step we forgot and that's, do they want to make it a buy sell disc or a commission disc? What percentage of your clients are commission discs? Mine a hundred percent. That's Brian 99%. Dave: Yeah. So we're just stepping ahead assuming that it would be a commission disc, Brian right. I mean, the only time you would really have a buy sell disc. 'cause if you have a business where. They're buying inventory from unrelated parties. And all the inventory is manufactured in the US and all of it is export. Dave: Yeah. Brian Okay. That, that, that I do have, like I said, two clients that have adopted that structure. One was commissioned disc with an S-corp and they converted, they merged the S-corp into the disc and just became an operating disc. You know, and that's a little different than a buy sell disc. I mean, an operating disc. People think of buy, sell dis an operating disc for the same thing. They're really not. I mean, 'cause you could have a, the equivalent of a commission disc, but have it be by sell where it could buy product from its related exporter and then export it. Dave: Okay. Brian It's possible that, that, that tho that fact pattern, I don't have any clients in. Dave: Okay. Brian It's possible. Dave: Okay. So we've got the election filed and then at some point the IRS will send the taxpayer letter approving the election, right? Brian Correct. That is, that was true. Dave: And then so we've got the, the B and usually it makes more sense to have the disc bank account at the same bank as the operating company, right? Brian It typically does, Dave: yes. Yeah. And we'll get into that when we get further into the operation of the disc. Okay. So it's all set up. And elections filed, election approved. So now certainly we're done with incorporation and government governance matters, right? Brian No. No, Dave: not yet. Brian Not yet. Not yet. Okay. We still have to make sure there's a a call, a related supplier agreement or disc commission supplier agreement in place between the, the exporting entity or entities and the disc itself. This document is, it's not, again, it's not required in the regulations, but it is recommended. It gives the related supplier a lot of flexibility in how it uses the disc and if it uses the disc and it gives it unilateral powers to decide not to use the disc. It also lays out the, you know, sort of boil legal boilerplate language about an inter intercompany agreement between the two business. Dave: So you could just go to chat GPT and have them spool up a one page sales agent agreement. Is that right? Brian Maybe. I don't know. I haven't tried that 'cause I don't wanna teach chat GPT how to, how to do that, but because every time you ask it a question, you teach it, right? Dave: Sure. Brian General, no, it's a pretty specific agreement and it has very specific provisions in it. Provisions and so somebody that knows what they're doing really needs to draft them. Dave: Okay. Okay. So this is kind of pointing away from just having your general corporate attorney who's never heard of a disc, do all that quote paperwork. Brian Yeah. I never recommend. I always recommend that a specialist do it, namely myself take care of it. Dave: Okay. Yeah. 'cause you are, in addition to having an accounting background, you're also a tax attorney, correct? Brian Correct. Dave: Correct. Okay. Brian Yeah. And you know, some of the documents that need to be created, yeah. That can be done by a general corporate attorney like bylaws and those as well and or other organizational documents that aren't disc specific can only be done by any attorney. But but if, but really it doesn't make sense to split that work up amongst different attorneys. Dave: Okay. Sure. Brian It all sort of be done by the same party to make sure that it's, that everything gets taken here. Dave: Okay. Brian And timely because there's a 90 day window to get this, in my opinion, to get this all done. Dave: Yeah, to co to coincide with the election filing. Brian Right. Because typically I don't provide any of the documents, including the election, to the, to the client until all these things are done. Dave: Yeah. Oh, I see. Sure, sure. Because then there's, Brian you know, they have to sign the disc election and there's all these other documents they need to sign and put in a minute book. And so rather than piecemeal it, we just give it to them all at once. Dave: Okay. So they've got their binder with all their signed documents or a signed copy of the 48 76 A that was filed a copy of the approval from the IRS. So now finally, are we ready to get started using our disc? Is there. Brian Collection the I. Yeah. As you've probably seen in the news, things are changing at the postal service as far as postmarks and what they can be relied on as when something was considered filed. So they're not promising the postmark things that they, you drop them in the mail anymore. Dave: Oh, really? Okay. I hadn't heard that. Brian Yeah. So it's recommended to go, like, walk it to a counter and have it hands stamped with [00:28:00] a postmark. Yeah. But more importantly, and unfortunately not everybody listens to this, send the form certified mail return receipt requested. 'cause many times document is sent to Kansas City and they lose track. Oh, we never got your dis election. We can't process your dis return, whatever. And then there's proof that it was sent and then they have to, you know, find it basically. Dave: Okay. Or Brian at least accept it, maybe even if they never find. Dave: Yeah. Brian But there's one other thing about the disc and that we didn't talk about and, and I'm reminded of it because something you asked me in passing last week, which is something about the year end of the disc, the year end of the disc must coincide with its principal shareholder. So if I have a C corp that's a fiscal year, but the owners of the disc aren't gonna be [00:29:00] individuals, that disc will be a calendar year disc. Dave: Sure. Brian Not be a fiscal year company. And you know, if. It's owned by, let's say an S corp that has a fiscal year, then the disc will have a fiscal year. It, it must have the same year as its principalship. Dave: Okay. Yeah. Good. Thanks for the reminder of that. Brian And sometimes the disc collection gets filled out incorrectly. Somebody assumes one thing and, and then when a return is filed, the IRS, they're like, they, they dunno what to do. Yeah. Yeah. Okay. Alright. Now finally, do we have a little bouncing baby disc to be delivered to its proud parents? I think so. Dave: Okay. Okay. Okay. Brian And that's usually, it's usually about three to five months after it was formed. Dave: Okay. Brian Is when it started eating solids. Dave: Okay. Alright, so now we've got the disc set up and 9:45 AM I'm, I'm sorry, I keep touching my watch and it says the time, apparently it's time to just take off my watch. Okay. So now, so let's just say that they have not yet set up the bank account. They've done everything else, and now it's time to set up the bank account so they, you know, call their local banker. They get it set up at the same bank, so it can be on the same online banking platform. And then they fund it. And does it matter where the funding comes, comes from for that bank account? Can they just like say the company. I mean, can just anybody fund it? Say there's three shareholders, can just one shareholder write a check for $2,500 to fund it? Or how does that all look? Brian Well, I mean, there, there will be a subscription agreement that shows how much each shareholder owes for their shares, and each shareholder should pay for them. Okay. Can't just be one. Dave: Okay. So we have the bank account set up, we're ready to go. And so now we're at the end of the year, or approaching the end of the year. Let's say we're in November of 2026. Anything we need to do before the end of the year Brian for an accrual based taxpayer? No. Okay. There's nothing paid to do, but before the end of the year. Dave: And what about for a cash basis? Brian For a cash basis, taxpayer, if we want a deduction in 2026. We need to pay the DIS in 2026, so Dave: we Brian would need to gather information in order to estimate a DIS commission for 2026 before the end of the year. Dave: Okay. So cash basis, that's what we need to do by the end of the year. Accrual basis. Basis, no. Do I need to do [00:32:00] anything by the end of the year? Brian You don't need to. You have an option to, if you'd like to, if you wanna have an idea of what the disc commission might be, or you actually wanna pay it before the end of the year, but there's no requirement. Dave: Yeah. And if you don't, and if you don't pay it by the end of the year, you get a deferral benefit Brian possibly. Dave: Yeah so say, say you did a hundred million of exports and your commission was $20 million. You just get to defer that whole thing till the next year, right? Brian No, Dave: no. Brian, all you say is No. Every good idea have you just say No. Brian It could defer 10% of it to the next year because only the income related to 10 million of export sales can be deferred, and it'd be a little less than 10% because the disc wasn't there the whole year. So we'd have to prorate that 10 million for the number of days the disc existed. And then some sliver can be deferred, but the rest of it is gonna be taxed to the shareholders as a deemed dividend Dave: in the current year. In the Brian current. Dave: Okay. Brian Then not taxed when physically distributed in the following. Dave: Okay, so we have an accrual tax payer. We get into the to 2027, and let's say they're extending their corporate return and they're planning to file that in August of 27. So we're done. We don't have anything else to do before August. Right? Brian That's not true either. Dave: Brian, Brian you're Dave: killing me. Brian Yeah, well, it, I mean, it depends. If nothing was done before the end of the year, then something needs to be done within the first 60 days after the accrual base taxpayer. Or, you know, let's say the cash base taxpayer says, I don't [00:34:00] care if I get my deduction next year, so I'm not gonna pay anything this year. Something needs to be paid at this within 60 days of the end of the year. Dave: So is this one of those things like the sales agent agreement, that that's just recommended? Brian No, this is required. Dave: Required. Okay. Brian Yeah. This is required. This is, this is one of the hot buttons the IRS will try to use to disqualify your disc. Dave: Okay. Brian So the disc accrues a receivable at the end of the year, even though it doesn't know the amount at the end of the year for all, for, for disc purposes and books an an accrual for the income at the end of the year. That accrual or the receivable is only a qualified export asset if, if the payment rules around that receivable or satisfy. Dave: Okay. Okay. Brian One Dave: rule Rules. Rules. There's always rules. Brian Yeah. It's very draconian. You have a 60 day rule and a 90 day rule. 60 day rule says you must pay a reasonable estimate of the disc commission to the disc within 60 days of the end of the year in cash or. It could be cash, it could be a note. Dave: And reasonable is just any old amount. You just put your finger in the air and ah, I think a hundred dollars is reasonable. Brian Again, that's not the case. There is a safe harbor for what is reasonable, and that safe harbor is f at least 50% of the final commission amount that you Dave: determine. But how do you know that in February Brian you have, Dave: if you're not preparing the corporate, Brian you have to try to compute an estimate before the end of FE Dave: and you have to nail it exactly at 50%. So if you think the commission's gonna be $1,217,412, you need to pay exactly 50% of that, Brian at least. [00:36:00] Dave: Oh, at least. So you could pay more. At Brian least you could pay more. And we always recommend maybe paying 75 to 80%. Dave: Okay. Brian Because if you pay whatever you pay. That amount is gonna be your limit. So if you thought it was gonna be a million and you paid 500,000 and it turns out to be 1,000,500, too bad. So sad, you only paid 500,000, you're capped at a million. Dave: Okay? I mean, that's the safe harbor. I suppose there might be circumstances where, where one could argue that they maybe the first year of the disc, and you know, they, they, Brian you can argue it, you can try to argue it, but there's no guarantee that the IS will accept any of the arguments. And the private letter rulings that exist from the 1970s would imply that they, they're really not going to accept just about any rationale for being reasonable other than that 50% bright [00:37:00] line safe harbor. Dave: Okay so you make the payment, Brian make that payment, and. Dave: Can you just book a journal entry? Do you, do you actually have to really move the money? It sounds like a hassle. Brian I mean, in, in general you have to, you have to either create a note or move cash. Dave: Okay. Brian Okay. Dave: But that might be a lot of money though. Like what if, what if it's like $2 million and million? The company only has a million dollars in the bank. Brian They could use the same capital multiple times. Dave: Oh, okay. Brian And roundtrip the money as many times as they need to, or like I said, use the, use the promissory note. Dave: Okay. Brian Short term promissory note to satisfy that requirement because it does say cash or property. Dave: Okay. So we get through February, we've made our, our 60 day payment. We've, we've, you know, sh sh we've, we, instead of doing 50%, we did about 80% of what we thought it was gonna be to give us some cushion, and now we can go take a vacation till the till the corporate returns ready. Brian Yeah. I, I, I think so. Dave: Okay. Brian I think so. Dave: Okay. So it's time to now. So it's time. Now, if they extend that corporate return, I guess they're gonna have to extend the disc return as well. Brian Well, the disc return is due September 15th as a matter of course. Dave: Oh, Brian are handy. There are no extensions. So really as far as the disc and its compliance goes, once you make that 60 day payment, there's really not much you can or should do or are able to do until the related entities tax return. Prepared. [00:39:00] So a lot of times they'll say, well, that's not gonna be done till September 15th, and we have to have a discussion about how that doesn't work because the disc return has to be done by September 15th, but in order to do the disc return, you need to basically a completed within it supplier returns. So then we have to work backwards from September 15th to figure out like when's the latest they can have that, that other return done in order Dave: to Brian get the disc return done. Now that's relatively easy in the past through context because all those pass through returns are also due September 15th on extension. Dave: Sure. Brian Whereas a C corporation, it's not so easy because the extended due date for a C corporation, if it's a calendar year is October 15th. So it may be that you have to file a disc return with a made up number on time and then amend it after. Okay. After September 15th. I've done that a number of times. Dave: Okay. So that makes sense. Brian Because as is good as CPAs are, they're deadline driven. So if a return is due October 15th, they're unlikely to have it done by the end of August. Dave: Yeah. Okay. So it's time to file the disc return. I assume the CPA firm probably has that disc return and their standard tax software with all the other forms. So you just have the CPA go ahead and prepare the disc return. I've looked at it, it's a short return. It's like 10 pages long. So you just go ahead and have the CPA prepare the disc return, then bing, bam, boom, you're done. Brian Could do that. Dave: Okay. Is there a drawback to doing that? Brian Yeah, it would probably be wrong. Dave: Okay. Why do you say that? Now, remember [Brian, we have a lot of CPAs who we have very good relationships with that we share clients, you know, saying that they're probably gonna do it wrong. I mean, heck, I don't really wanna annoy all my great CPAs we work with Brian Well, okay, but it, well, it's just a fact. It'll probably okay Dave: be Brian wrong because they might see one or two or three a year. They, they think they know what all the different terms on the district return mean, but they're not as familiar with that as they are with a S Corp return or a partnership return, or 1120. So they do what they think is right, and it may be right, it may not be right. So again, I, in my opinion, you want a specialist preparing the district return. Dave: Okay. Brian Okay. Because we know exactly how it's supposed to be filled out. And then if, if the calculation is done on a transaction by transaction [00:42:00] basis, there's this schedule P that gets attached to the return. Well, if you don't do a T by T, there's one Schedule P. If you do a T by T, there could be thousands of them. So I don't think CPAs and their software are equipped to complete thousands of schedule Ps and attach Dave: Yeah. Brian To the district. Dave: No, good point. And you're, you're getting your your enthusiasm to get to T by t had me, you got a little ahead of me. 'cause I was gonna ask, so client says, Hey, we have a desk. Our accounting department's busy. What's just the bare minimum of information we need to send you? What's the bare minimum? Brian Bare minimum would be qualified export sales. Dave: They just need to send you a number. Brian Yes. Dave: Then you take that number and how hard can it be? Right. Just take the, Brian it's not, it's not necessarily that hard at that point. Dave: Yeah. But say the profit on those sales [00:43:00] is the average profit of the company and taxable profit. And you compute the disc commission, you go through the Schedule P and compute the disc commission and pick the higher of the two numbers that you, that you compute. So you would just be like the final draft, corporate return and that total export number, you know, dollar amount for the year. And, and that's really all you need to, to do. That's Brian the bare bone. That's the bare bones, yeah. Dave: Okay. And that's what some people would call the standard calculation or a simple calculation, Brian I'd call it simple. Yeah. Dave: Okay. And that's also known as the 4% 50% calculation in some circles. Right. How does that work? Brian Well, it's also known as the safe harbor calculation in certain circles as well. Back to that, Dave: back to that safe harbor again. Brian Yeah. But that's actually not a safe harbor, so that's why I bring that up. Dave: Okay, well Brian that's the safe harbor calculation. I'm like, no, it's not. It's just the [00:44:00] calculation. There's nothing safe harbor about Dave: it. Okay. Brian Okay. It's just the rules that are found in the code and regs for computing and disc commission, and they're the two predominant methods. 4% of sales and the 50% of net profit, Dave: you just cherry pick whichever one works better. Brian Yeah, but the 4% method has limitations. So Dave: more limitations probably. Why? Why can't this just be simple? You said it was the simple calculation and now you're already telling me there's inherent complexity. Brian Even if it's simple, it's not totally simple. Dave: Okay. Okay, Brian so the, and I've seen this done wrong. Millions, well, not millions, hundreds of times, and I can say it is hundreds of times. Client computes the 4% method just by choosing 4% of sales. They don't look at what their net income is on the, on the [00:45:00] activity. They just say, oh, I'm allowed to use 4% of sales. The limit there is you cannot create a loss. There's something called the no loss rules. You can't create a loss with a disc commission if one doesn't already exist. So if the profit on, say, on the sales are 2% of sales, you can't take 4% of sales. You're limited to 2% of sales. And if, for example, you have a loss of the company, you're limited to zero. But I've seen situations where that's completely ignored. Dave: Okay? Brian Properly computed this commission of 4% of sales, but it should have been something less or possibly zero. Dave: Okay? So more complexity, but the good news, that's the extent of the complexity. One, schedule P, 4%, 50%, you know, make sure you, you don't create a loss. Now we're, we're all done. Pop. You [00:46:00] know what, what? Dusted and dusted and delivered we're, we're good to go. They've maximized their dis commission, right? And we're all done. They have a nice 10 page return to send to the IRS. Which by the way, can they file that electronically, that return? Brian Fortunately, there are no provisions for electronic filing of the disc return. It must be, Dave: what is this, the 1970s or something? Brian Pretty much Dave: Okay Brian with, with regard to the disc? Yeah. And, and some other forms. Yeah. But the, the, the benefit of that, here, I'll give you a benefit. The benefit of the fact that you must file a paper return is they can have an electronic signature on it. Okay. It doesn't have to have a wet signature. Dave: Okay? Okay. Brian So you could theoretically, for example, send your client the return using DocuSign, have them sign it. You print it, you file it for, Dave: okay. Okay. But, but now we're finally done. It's signed, it's done. And they say, boy, thank you very much, Brian. You've done, your team did a great job, and boy, I really appreciate, you know, we had 10 million of exports. We have all kinds of variability in our profit margins. And, but thank you very much. You, you created the amazing $400,000 or you calculated the 400,000 disc commission. Thank you very much. I couldn't imagine you went above and beyond. I couldn't imagine you could have done anything more. And then what do you say? Do you graciously say, oh, you're welcome. It was our pleasure. Brian I would graciously say, you know, we, we've just computed your minimum disc commission. Dave: Okay, Brian not your maximum. Because you have Dave: vast, lemme guess. Lemme guess. There's more complexity coming. Brian More complexity, which relies on more data being. Pulled from the client's [00:48:00] records to, to allow for a calculation of the DISC commission at a more detailed level, ideally at a line item by invoice level, Dave: line item. That sounds like a lot of work. Brian It can be. Can be a Dave: lot. What if the client says, our accounting department's busy? Sounds like we're gonna have to spend weeks gathering all this data for you. Eh, it's just, we're too busy, it's not worth it. What do you say then? Brian I gu I almost can guarantee you it will be worth it. Okay. Because looking at the detail is likely to cause at Disconnect commission to be anywhere from 50 to three, 400% higher than what it otherwise would've been. Now, unfortunately, in that first year, since you've already filed with a certain number, you're limited to two times what you paid in that 60 day window. But going forward. You know, there's no limit. Dave: Okay. Brian Whatever we compute can be your disc commission. So different industries have different amount of variability and t and transaction by transaction calculations have different impacts depending upon the industry, the profitability of the business, how many products they have, who they sell to. But it can vary. But I'll give you an example of one that we worked on recently where company had a hundred million of export sales. They took 4% of sales, and they've been taking 4% of sales year after year, after year, after year, after year, Dave: okay. Brian They brought us in like three weeks before the district return. Dave: Okay. Brian And we went through the calculations and we actually calculated 17 million Dave: as opposed to 4 million. Brian As opposed to four. Dave: [00:50:00] Yikes. That's a big difference. Brian It's a huge difference. And fortunately they were, you know, well, I mean they were very pleased with the result. And so now on a going forward basis, we're not doing 4% of sales. Dave: Okay? But you still have this. But if they were able to get a $17 million commission, then that means their corporate taxable income must have been at least 17 million. 'cause didn't I hear you say the disc commission cannot cause a loss. Brian It cannot cause a loss at the level at which you're computing the commission. So there's no, you're killing me, Brian. Just more complexity. Yeah. Well, it's very complex area. There's, there's no overall no loss rule. Like if you, you can, as long as you're meeting the rules as they're written, you can cause your entity to go into a loss position. Now, this particular instance, it did not do that, but [00:51:00] you could do that. Dave: Okay. And then if you get into a loss position, there are other non disc complexities that come into play that impact whether you want to maximize the loss in that entity or you want to target a particular loss in that entity. And that's not something that we get involved with, but we're certainly sensitive to it. Sure. Sure. And so you're saying for this client, even though I've heard some people say you've got the simple calc and then the hard calc. And so you'd wonder why would anyone do the hard calc? Well, it's because their commission went from 4 million to 17 million, which saved them hundreds of thousands of dollars. You created hundreds or millions of dollars with additional tax savings. Brian Right, right. Dave: Okay. Brian And by the way, after the first conversation we had with them, they said, oh [00:52:00] yeah, this is not something we can do. The accounting department said, this is not something we can do. Then the owner said, this is something you're gonna, Dave: it's funny how that, how that works. Okay. And then I'm guessing this extra work. You, you're probably gonna have to create another schedule P or two. So now the disc return, it's gonna be 10 pages. It's what? 20 pages? Is that kind of a typical page count? Brian No, it could be Dave: no. Brian Thousands of pages. Dave: Thousands. I mean, Brian, a ream of paper is 500. So thousands would be reams of paper. Brian Yes. I've had some returns that have like 15 binders of paper. Dave: Yikes. Brian Yeah. Just goes in a big box and I'm sure the IRS types, all those schedule Ps into their, Dave: I'm sure they do. Okay. So the return gets filed, so the return's ready. You take that box, you just slap a you print off a postal label online, drop it off at the post office. And you're done, right? You just give it to carrier, Brian understand, Dave: carrier, carrier your house or whatever. Brian Well, you can send it via FedEx. You can send it via UPS. And actually, in some ways, I think that might be better these days than the postal service. Dave: And why do you have to do that? Can you just slap, I mean, if you have your 15 binders, couldn't you just put a hundred stamps, you know, on the, the box and ship it in because they'll get it, right? I mean, it's not like they're gonna lose it or anything. Brian They might, they could very well lose it. And you definitely want proof of delivery and you want proof of mailing. So again, it's a certified mail if you're using the postal service or if you're using a private carrier like FedEx, you know, you get all that documentation about when it was shipped and when it was delivered.[00:54:00] Dave: Okay, well now at least we're finally done. Right? You ship it off. The CPA pulls the numbers from the disc return, puts it on the corporate and shareholder returns. Now we're done. It's gone to the IRS. We never have to think about it again. Right. Brian I'm not sure if that's a trick question or not, but in some ways that could be true, Dave: right? Yeah. But it, but I guess you could get audited, right? Brian Could get audited by an agent who has no idea what they're doing, which is typically the case. Dave: So that's why you want your CPA defending you in that case. 'cause then it's like the blind leading the blind. Brian No, I think it's better if someone with site is involved. So again, the specialist who did the disc work should represent the taxpayer or be involved with the representation of taxpayer in the case of the audit. Dave: Okay. Brian And the should be involved. Because really what's under, what's really in question is the [00:55:00] deduction on that entity's tax return. The dis itself doesn't pay tax. So they rarely audit a dis quote. Dave: Okay? So if I break it down, you to do it really right? You need a specialist to guide you on the initial structure of the disc. You need another specialist to set up the, the disc. You need another specialist to do all the paperwork, make sure the document's correct another specialist to prepare the return, and then another specialist to defend you. So is that about right? So do you need like five different people to make sure everything's done right? Brian? Isn't there some way that you could just have one person that could just do it all for you and be done with it? Brian Well, of course. Dave: Okay. Finally, finally, I get a simple answer, Brian right? So if you, if you engage a disc specialist, that [specialist should be able to do all that. Dave: Okay? Brian Okay. Now, not every disc specialist is created equally. Dave: Sure. Brian You know, I brought up during our conversation that there are some non disc things that can also add complexity to the situation. Not every disc specialist will be sensitive to those things. Not every disc specialist will understand those things. So the benefits that like our organization brings is that. Least myself in particular, I didn't always just do IC disc work. I, I, I have a well-rounded knowledge of all of the, of the tax world. And so I am sensitive to non disc things. You know, for example, you know, another example, oh, a company has a lot of export sales. You would think it's a no brainer. They should have a dis, they should use the dis. They should, they, they should want to convert that ordinary income to qualified dividend [00:57:00] income. Well, what if the S-corp is owned by an ebit? What if there are passive shareholders? All of those things impact whether the disc commission actually helps or hurts their tax situation. And I would get, I would venture a guess that, you know, if you went out and Googled, you know, I see this specialist, you would find a handful. At most that understand all that stuff and how all it all interplays together as opposed to the multitude of those that won't understand any of it. Dave: Okay. Brian So I think a, a disc specialist that is sensitive to all the other tax rules is, is definitely something that is valuable. Dave: And you probably want someone with some experience who's done maybe, you know, what a dozen disc returns in their career, maybe 50 if they're really good. Like how many, how many have we done organization wide? Probably Brian probably 10,000. Dave: 10,000? Well, that's a lot more than 50. Brian Yes. Over the years it's probably close to that number. And we've probably claimed billions of dollars of just deductions and saved clients, hundreds of millions of dollars of tax. And, and I'm proud to say that every dollar we've ever claimed we've. Okay. Dave: So Brian I've never had an adjustment from the IRS. Dave: Well, that sounds like a, a good a good record. So bottom line, Brian that's, that's the best you can come up with a good record. I'd say it's Dave: well, I didn't wanna say a perfect record. I didn't want to jinxy. Brian No, but it's, it's, it's, it's pretty outstanding record. Dave: Yeah. It's a, it's an impressive record Brian because there are also just providers out there that say, well, you know, Dave: it's the Wild West. Brian The wild west, the IRS doesn't really understand it, so let's be as aggressive as possible. And, and that's not the way we approach it. Dave: Yeah. Wow. Well, this has been this has been a lot. So really it's that simple. So the person who wants to just do all this themselves, we've laid out the whole playbook for them. Brian Yeah. The only simple thing they have to do is call us. Dave: There you go. That is it. Yeah. And, and oh, the other thing, not only are you the Bob, hope you now have moved from number two to number one for the most experienced icy disc guy. I know now that Neil Block is retired. Brian Well, that's, I don't know if that's a plus or not. Whether I'll take it just means I've been doing it a long time myself. So Dave: yeah, Neil was, I think my second, first or second guess. And and I was just happy. 'cause his billing rate back then was like $1,500 an hour. I was just glad I didn't get a bill a month later for him being on the podcast. But he, [01:00:00] he did it for exactly 50 years at one firm, baker and McKinsey in Chicago. He had one office, one phone number, like the whole 50 years. Brian Yeah. That's, Dave: that is something you don't see much anymore. Brian Definitely not, no. It's, but it's very, that's. That's very cool. And Neil is a very, you know, is a very intelligent savvy guy. Dave: Yeah, that is for sure. Well, Brian, anything else that we didn't cover that you can think of? Brian I can't think of anything. I think we covered a, a great deal here. Dave: Okay. Brian Can't think. Dave: Well, I, I'll let Brian we omitted. Dave: Well, great. Well, hey, thank you so much for your time. Really appreciate it. And I'll let you get back to your, your exploration of your yard there. Brian Yeah. I feel like, it's funny I shrunk the kids. Dave: I know. Well, hey, well, well again, thanks again, Brian. We all appreciate your time. Brian You're welcome. Have a good day. Dave: You too.

In broad daylight on October 19th, 2025, thieves dressed as construction workers targeted the Louvre and vanished with $100 million in royal jewels in about eight minutes. On this episode of Zone 7, Sheryl McCollum is joined by former jewel thief Bryan Sobolewski to lay out exactly how a heist like this gets pulled off, what mistakes crews make when the clock is ticking, and why modern forensics can turn a “perfect” job into an evidence trail. Sobolewski then shares his own history, the losses, and long-term consequences, and why he now speaks publicly to warn others away from choosing a life of crime. Highlights: • (0:00) Sheryl McCollum recounts the Louvre entry point, the freight truck with extended ladder, missing jewels, and why “construction work” is the perfect disguise in a crowded tourist environment • (2:45) Sheryl brings in former jewel thief Bryan Sobolewski to talk about the heist • (4:45) The ladder truck problem: sourcing it, driving it, and the traceability thieves cannot erase • (7:15) The moped getaway and why Paris geography favors two wheels • (8:15) Uninsured jewels and what security should have anticipated • (10:00) How fast cases move when the thieves leave obvious evidence behind • (12:15) Flight attempts, the hired-crew theory, and how the organizer can remain invisible • (16:15) DNA, fingerprints, and trace evidence • (19:15) The gear left behind and why serial numbers and rentals make a heist crew traceable • (24:00) Bryan’s New England backdrop, mob proximity, and “street rules” • (27:45) Bryan recounts his father and brother dying on the same night and the questions he is left to live with • (30:15) Why display cases are harder to break than people think, and how reinforced glass slows thieves down • (40:30) Bryan reflects on the long-term cost of crime, what accountability looks like after prison, and why he warns people away from choosing that life Guest Bio: Bryan Sobolewski is a former jewel thief who speaks publicly about robbery methods, prevention, and the real-world consequences of criminal conviction. He has appeared on Fox's reality series The Snake and on America's Most Wanted. Sobolewski is also a comedian and personal trainer, previously hosted the Family Jewels podcast and authored the book Family Jewels. Enjoying Zone 7? Leave a rating and review where you listen to podcasts. Your feedback helps others find the show and supports the mission to educate, engage, and inspire. Sheryl “Mac” McCollum is an active crime scene investigator for a Metro Atlanta Police Department and the director of the Cold Case Investigative Research Institute, which partners with colleges and universities nationwide. With more than 4 decades of experience, she has worked on thousands of cold cases using her investigative system, The Last 24/361, which integrates evidence, media, and advanced forensic testing. Her work on high-profile cases, including The Boston Strangler, Natalie Holloway, Tupac Shakur and the Moore’s Ford Bridge lynching, led to her Emmy Award for CSI: Atlanta and induction into the National Law Enforcement Hall of Fame in 2023. Social Links: • Email: coldcase2004@gmail.com • Twitter: @ColdCaseTips • Facebook: @sheryl.mccollum • Instagram: @officialzone7podcast Preorder Sheryl’s upcoming book, Swans Don’t Swim in a Sewer: Lessons in Life,Justice, and Joy from a Forensic Scientist, releasing May 2026 from Simon and Schuster.https://www.simonandschuster.com/books/Swans-Dont-Swim-in-a-Sewer/Sheryl-Mac-McCollum/9798895652824 See omnystudio.com/listener for privacy information.

Sonny Von Cleveland opens up about serving nearly two decades in prison and the harsh realities of being young, white, and unprepared for prison life. Pulled into violence and survival politics at an early age, Sonny breaks down what it really takes to make it through long prison sentences, the fear, the mistakes, and the lessons learned the hard way behind bars. He speaks candidly about navigating race, identity, and power inside prison, how incarceration forced him to confront his past, and the mindset shift that ultimately saved his life. Today, Sonny has transformed his story into purpose as a speaker, mentor, and community leader, proving that even the darkest chapters don't have to define how the story ends. _____________________________________________ #PrisonSurvival #MichiganPrison #PrisonLife #TrueCrime #LifeInPrison #PrisonStories #SurvivingPrison #incarceration _____________________________________________ Connect with Sonny Von Cleveland: Instagram: https://www.instagram.com/sonnyvonclevelandofficial/ Website: https://www.sonnyvoncleveland.com/ _____________________________________________ Hosted, Executive Produced & Edited By Ian Bick: https://www.instagram.com/ian_bick/?hl=en https://ianbick.com/ _____________________________________________ Shop Locked In Merch: http://www.ianbick.com/shop _____________________________________________ Timestamps: 00:00 First Days in Prison: Shock, Fear, and Survival 02:00 Growing Up in the Midwest Before Prison 06:40 Family Trauma, Abuse, and a Broken Childhood 12:00 Surviving Abuse and Learning to Cope 17:00 Running Away, Street Life, and Early Crime 21:00 The Road to Prison: Charges, Conviction, and Sentencing 24:40 Entering Adult Prison for the First Time 26:00 Prison Violence, Gangs, and Losing Innocence 31:30 Regret, Lost Youth, and Missed Chances 35:40 Solitary Confinement, System Failures, and Mental Survival 41:00 Release, Reoffending, and a Second Prison Sentence 46:00 Life After Release: Family Conflict, Crime, and Betrayal 52:00 Solitary Confinement, Transformation, and Forgiveness 59:00 Self-Reflection, Growth, and Mental Survival in Prison 01:03:00 Teaching Others, Service, and Finding Purpose Behind Bars 01:09:00 Leaving Gang Life and Choosing a Different Path 01:14:00 Reentry After Prison: Starting Over From Nothing 01:19:00 Using His Story to Help Others Avoid Prison 01:22:00 Final Advice, Redemption, and Life's True Purpose Learn more about your ad choices. Visit megaphone.fm/adchoices

The Boston Sports Journal's Mike Giardi is back for another live show after the Patriots' AFC Championship win at Denver. They take a look at the latest regard the Drake Maye injury. The guys cover how the Pats survived the snow, the defense's elite run through the playoffs, what to make of Drake Maye's play and offer their initial thoughts on facing the Seahawks. Later, Mike and Andrew swap stories in another edition of Dad Pod and "Let Me Have It." 0:00 - Latest on Drake Maye injury 4:47 - How Patriots win AFC Championship in year 1 of Vrabel 14:24 - Greatest achievement from the team this year 19:54 - Patriots fans shouldn't apologize for road that got them here 27:05 - Prizpicks 29:21 - What people missed with Patriots offense against Broncos 39:21 - What people missed with Patriots defense against Broncos 49:24 - Studs and duds 50:06 - Early thoughts Patriots-Seahawks Super Bowl matchup 59:42 - Dad Pod 1:02:27 - Let me have it 1:05:08 - Wrapping up Pats Interference on CLNS Media is Powered by:

Have you ever felt completely unqualified for what God has asked you to do? Enoch felt the same way. He was "but a lad" and "slow of speech," yet he became the man who led an entire city to be translated. Discover how your weaknesses can become your greatest strengths. Summary: In this episode, we explore the rich doctrines found in Genesis 5 and Moses 6. We look at the legacy of Adam and the rise of Enoch, uncovering the patterns of faith that define the patriarchal priesthood. The Book of Remembrance: We discuss why the early Saints kept a record in their own language and how writing down our spiritual experiences preserves them for our children. Parenting in the Gospel: Adam and Eve taught their children "in the way of understanding," providing a model for teaching by the Spirit and through the "power of God". The Call of Enoch: We analyze Enoch's deep insecurity when called to preach—his youth and his speech impediment—and God's promise to "open thy mouth" and "fill it". The Power of a Seer: Enoch was commanded to "wash thine eyes with clay," a symbol of purifying his vision to see things not visible to the natural eye. The First Principles: Enoch teaches the fundamental "plan of salvation" through baptism, the Spirit, and the Atonement, showing that the gospel has been the same from the very beginning. Call-to-Action: What "speech impediment" or insecurity is holding you back from doing what God has asked of you? How can Enoch's story help you move forward today? Share your experience in the comments! If you want to dive deeper into the Old Testament with us, please like, subscribe, and hit the notification bell to stay "Unshaken." Chapter Timestamps: 0:00 Introduction 0:59 Moses 6-7 background 4:06 Cognitive vs. Experiential Knowledge 9:28 Artwork of Cain & Abel 17:47 The Births of Cain and Seth 23:01 Naming Seth 25:53 Genealogy of Adam 29:27 Pulled between Opposing Forces 35:12 Multigenerational Families of Faith 38:52 Scriptural Literacy 42:18 Passing down Priesthood 46:36 Prophesying & Preaching 49:52 Enoch 54:29 Heart, Ears, and Eyes 59:44 What Enoch was Up Against 1:04:11 Sense of Inadequacy 1:07:54 Divine Reassurance 1:13:38 Opening Ears & Filling Mouths 1:26:23 Moving Mountains & Rerouting Rivers 1:30:23 Spiritual Sight 1:37:23 Reactions to the Call to Repent 1:40:37 A Wild Man 1:46:21 Knowing Those Who Know God 1:49:34 Enoch's (and Adam's) Message 2:00:15 Tasting and Prizing 2:07:35 The Law of the Gospel; Birth & Rebirth 2:18:13 Celestial Homesickness 2:24:08 Conclusion

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https://andrewhorval.substack.com/p/which-friend-pulled-the-trigger-26

Marvel Rivals found itself in the middle of discourse just as Riot casually dropped 2XKO like nothing else mattered. We break down the timing, the drama, and why the FGC and Marvel fans were suddenly yelling at the same time. NERDSoul.DÉCKOR Geek Wall Art https://www.etsy.com/shop/NERDSoulDeckor Gamepads, Mice, Keyboards, Arcade Sticks, Typewriters, whatever... LFG! Covering: #NERDSoul #MarvelRivals #2XKO Starring: Blerdish: https://linktr.ee/blerd.ish Open Mynd: https://bsky.app/profile/openmynd.bsky.social TJ Storm: PSN - TJStorm  

Why did Coinbase pull support for Market Structure? Coinbase VP of U.S. Policy Kara Calvert joins Jennifer Sanasie and Renato Mariotti to reveal the inside story behind the company's decision to pull support for the Market Structure bill. Calvert breaks down the "fatal flaws" that threatened stablecoin rewards and the SEC's exemptive authority. For everyday Americans, is no bill better than a bad bill? - This episode was hosted by Jennifer Sanasie and Renato Mariotti.

2025 wasn't business as usual in optometry M&A.  Fewer buyers, more deal scrutiny, softer multiples, and a growing number of practice owners asking the same question: "Is my practice worth what I think it's worth?"   That's why this episode is perfectly timed for the start of 2026.  Eugene is joined by Anne Kavanagh (Founder & Managing Director) and Jason Preator (Managing Partner) from Kavanagh Consulting, two people who have seen more optometry practice transactions than almost anyone in the industry over the last decade. Their perspective is based on real deals, real outcomes, and patterns that repeat year after year.  Anne and Jason explain how the buyer landscape has evolved, who is actively acquiring practices right now, and how buyers are evaluating risk, structure, and long-term profitability.  

In this episode, we discuss the impending snowstorm hitting Virginia while reflecting on the challenges of winter weather and the importance of being prepared. Our host shares personal experiences with heart health and the risks associated with snow shoveling. We also delve into the ongoing crisis in Iran and the atrocities faced by the Kurdish people, emphasizing the need for global awareness and action against terrorism. See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Jason Brown got pulled over.. He tells us about his terrifying experience!See omnystudio.com/listener for privacy information.

Jason Brown got pulled over.. He tells us about his terrifying experience! And do you think Shelly can extend her 19 game win streak? Find out!See omnystudio.com/listener for privacy information.

Renue Healthcare https://Renue.Healthcare/ToddYour journey to a better life starts at Renue Healthcare. Visit https://Renue.Healthcare/Todd Bulwark Capital https://KnowYourRiskPodcast.comFind out how the future of AI could impact your retirement during Zach Abraham's free “New Year Reset” live webinar January 29th 3:30pm Pacific. Register at KnowYourRiskPodcast.com.Alan's Soaps https://www.AlansArtisanSoaps.comUse coupon code TODD to save an additional 10% off the bundle price.Bonefrog https://BonefrogCoffee.com/ToddThe new GOLDEN AGE is here!  Use code TODD at checkout to receive 10% off your first purchase and 15% on subscriptions.LISTEN and SUBSCRIBE at:The Todd Herman Show - Podcast - Apple PodcastsThe Todd Herman Show | Podcast on SpotifyWATCH and SUBSCRIBE at: Todd Herman - The Todd Herman Show - YouTubeEpisode links: Another absolutely heartbreaking story of a woman being torn from her family and disappeared by ICE. Warning, this one is really sad.Pulled over for speeding, no criminal past. Five children and a husband at home. Disappeared. Deported. A broken family left behind. You know why you haven't heard about this story? Because it happened under Obama. Imagine if this happened under Trump. Imagine how many Democrats would fly to Mexico to find this woman and exploit her story.2007. Obama: Americans don't want a situation where illegals get a pathway to citizenship and then several hundred thousand more illegals are let in.Hey Barack, Biden let in about 10 million illegals and now your party is saying that they shouldn't be deported. Crazy right?"Open borders? That's a Koch brothers proposal which essentially says there is no United States... It would make everyone in America poorer... Right-wing people would love an open border to bring in all kinds of people to work for $2 to $3 an hour." - Bernie Sanders 2015"Disrupt. Make them uncomfortable" - Don Lemon in MN after he stormed a church to "protest ICE"Border Patrol agent calls out liberal woman for being performative for the camera, woman eventually apologizes.

Haunted by his past as a soldier-turned-mercenary, Lukas survives as a waste picker on society's edge until witnessing a crime shatters his anonymity. Pulled back into violence, Ruby pushes him to revive his instincts and fight back.

Send Us Your Grilling QuestionsThink grilling season ends when the temperature drops? Not at Burn Pit BBQ. This week on Grilling To Get Away, we're talking all about grilling in the cold—what changes, what doesn't, and why winter might actually be one of the best times to fire up the pit.We break down cold-weather grilling tips that actually work, then dive into some cold-season favorites: pulled ham, juicy brats, and smoked queso that hits different when it's below freezing. No fluff, no gimmicks—just real-world advice and recipes that keep your grill running year-round.If you've ever looked outside at a frozen deck and thought, “Is this a bad idea?”—this episode is for you.Follow Burn Pit BBQ Instagram: https://www.instagram.com/burnpitbbqguys/ Facebook: ​https://www.facebook.com/burnpitbbq Are you a grilling novice looking to master the art of BBQ and outdoor cooking? Look no further! "Grilling To Get Away" is your go-to podcast for all things grilling, specially designed for beginners who want to embark on a flavorful journey of sizzling steaks, juicy burgers, and mouthwatering BBQ. Hosted by backyard grillers, Greg Fischer & Ben Kreple, this podcast serves up a sizzling blend of tips, tricks, and step-by-step instructions to help you become a grilling pro. Whether you're working with charcoal, gas, or a smoker, our experts will demystify the world of grilling, making it accessible and enjoyable for everyone. Each episode of "Grilling To Get Away" covers essential topics like choosing the right grill, mastering temperature control, selecting the best cuts of meat, marinating, and creating sensational rubs and sauces. You'll also learn about safety tips, grilling techniques, and troubleshooting common grilling problems. Join us as we fire up the grill, share our passion for cooking outdoors, and help you become the backyard BBQ hero you've always wanted to be. So, grab your apron, prepare your tongs, and tune in to "Grilling To Get Away" for a smokin' good time on your grilling journey. It's time to ignite your grilling passion and become a BBQ aficionado!

"Pulled in Opposite Directions - Making Difficult Decisions",Craig Ford, 1-18-2026

Alexa Van Brunt from the MacArthur Justice Center tells us about her client who had a encounter with ICE agents in Minneapolis.

1-16 Adam and Jordana 9a hour

Jaxxon Podcast Presented by Jaxxon Jewelry.Shop the best Men's chains

Comfort feels kind, but it keeps you immature. The wilderness is where God trains you for weight, yet most of us cheat the process by numbing pain, curating outcomes, and calling it wisdom, while our souls atrophy. This week on Win Today, Dr. Joel Tudman joins me to expose why "finding yourself inside yourself" is a dead end, how the Lord sometimes pulls us apart to make us whole, and how to stay spiritually agile when life is disruptive. If your faith has been built around feelings, not formation. And if you're tired of circling the same mountain with better language, this conversation will call you back to training for godliness, where it actually happens: in the desert. Guest Bio Dr. Joel A. Tudman is a pastor, communicator, and leadership coach who equips people to trade comfort for formation and preference for obedience. Known for clear, high-energy preaching and practical frameworks for spiritual growth, he serves churches and leaders across the country, training teams in character, resilience, and Spirit-led discipline. His work centers on courage, identity, and purpose, calling believers to be formed, not performed. Show Partners We spend a third of our lives asleep, so stop treating your bed like an afterthought. Cozy Earth's Bamboo Sheets are a game-changer. They're silky smooth, breathable, and cool to the touch. And they're more than bedding; Cozy Earth also makes bath essentials, pajamas, and men's and women's loungewear designed to bring calm and comfort to everyday life. Try their sheets risk-free with a 100-Night Sleep Trial and a 10-Year Warranty. Start the New Year right. Head to cozyearth.com and use code WINTODAY for up to 20% off. And if you see a post-purchase survey, tell them you heard about Cozy Earth on Win Today. Episode Links Show Notes Buy my book "Healing What You Can't Erase" here! Invite me to speak at your church or event. Connect with me @WINTODAYChris on Instagram, Facebook, Twitter, and YouTube.

Why Did Dan Get Pulled Over? full 325 Wed, 14 Jan 2026 14:00:38 +0000 Z4b2veimbdavPqU5Dwled7DcbwW24V3c latest,wwbx,society & culture Karson & Kennedy latest,wwbx,society & culture Why Did Dan Get Pulled Over? Karson & Kennedy are honest and open about the most intimate details of their personal lives. The show is fast paced and will have you laughing until it hurts one minute and then wiping tears away from your eyes the next. Some of K&K’s most popular features are Can’t Beat Kennedy, What Did Barrett Say, and The Dirty on the 30! 2024 © 2021 Audacy, Inc. Society & Culture False https://player.amperwavepodcasting.com?feed-link=https%3A%2F%2Fr

K&K Full Show - Dan Got Pulled Over And The Return Of The K&K Singers 01-14-26 full 3180 Wed, 14 Jan 2026 15:08:45 +0000 FxWLyETz9edb5P7ZCCIh8p22Mj89aaUM society & culture Karson & Kennedy society & culture K&K Full Show - Dan Got Pulled Over And The Return Of The K&K Singers 01-14-26 Karson & Kennedy are honest and open about the most intimate details of their personal lives. The show is fast paced and will have you laughing until it hurts one minute and then wiping tears away from your eyes the next. Some of K&K’s most popular features are Can’t Beat Kennedy, What Did Barrett Say, and The Dirty on the 30! 2024 © 2021 Audacy, Inc. Society & Culture False https://player

Get the resources you need to thrive! Click here to test your IQ & more:http://linktube.com/soundmoney

Joey brought up a topic about his ex-wife and daughter Jia getting in an argument when there was a plot twist....she got pulled over during the call! Follow us on socials! @themorningmess

Joey brought up a topic about his ex-wife and daughter Jia getting in an argument when there was a plot twist....she got pulled over during the call! Follow us on socials! @themorningmess

Joey brought up a topic about his ex-wife and daughter Jia getting in an argument when there was a plot twist....she got pulled over during the call! Follow us on socials! @themorningmess

Pulled from the 2021 vault and lightly remastered, this ReddX Classic bundles three extra greasy neckbeard tales from r/NeckbeardStories. Expect maximum cringe, questionable hygiene, and textbook Nice Guy shenanigans from Talcumbeard and Inflationbeard... All stitched for a smooth binge. It doesn't matter what your background is, you always need to treat people like people and not use them simply to get off. Neckbeards seem to learn this lesson particularly slow and it really does make my blood boil... So we must bring it to light so others don't suffer alone. For your fill of neckbeard stories we've got you covered with the freshest weeaboo, niceguy, and neckbeard happenings on reddit. Stick with ReddX for your daily dose of cringe with a side-dish of relatability. You might even feel good for dessert... But who can say? ------------------------------------------------------------ #RedditStories #neckbeard #NeckbeardStories #ReddXClassic #reddit Discord: https://discord.gg/Sju7YckUWu Twitch: https://www.twitch.tv/daytondo... PayPal: https://www.paypal.me/daytondo... Patreon: http://patreon.com/daytondoes Twitter: http://www.twitter.com/daytond... Facebook: https://www.facebook.com/ReddX... Subreddit: https://www.reddit.com/r/ReddX... Amazon link to my mic: https://amzn.to/3lInsRR ReddX merch: https://reddx-shop.fourthwall.... Creepypasta channel: https://www.youtube.com/Dayton... Gaming channel: https://www.youtube.com/dayton... Wifey's channel: https://www.youtube.com/@MrsReddX ------------------------------------------------------------ Playlists: Full neckbeard stories: https://www.youtube.com/playli... All neckbeard stories: https://www.youtube.com/playli... All legbeard stories: https://www.youtube.com/playli... RPG Horror Stories: https://www.youtube.com/playli... Weeaboo tales: https://www.youtube.com/playli... ------------------------------------------------------------ Podcasts: Spotify: https://open.spotify.com/show/... iTunes: https://podcasts.apple.com/us/... Spreaker: https://www.spreaker.com/show/... Also on Castbox, Audible, and iHeartRadio! Have you ever met a neckbeard or a nice guy? They are frustrating to deal with, but luckily you aren't alone! These r/neckbeardstories from Reddit are among the top posts of all time and include some of the funniest Reddit stories ever posted on the neckbeard stories subreddit! rSlash NeckbeardStories have all kinds of funny neckbeards in them, but especially the nice guy. And the weeaboo. There is a wide spectrum of neckbeards, and this is but a small slice of it. Listening to ReddX's neckbeard stories playlist is a great experience! These neckbeard stories Top Posts of All Time from Reddit are made for you to enjoy any time you feel like it, so be sure to save my rSlash neckbeard stories playlist to your favorites! While there are many rslash channels that read r/neckbeard stories and r/prorevenge from reddit, each channel has their own way of performing them. Some of the top rSlash entitled parents channels I recommend checking out are the original rSlash, Redditor, fresh, r/Bumfries, VoiceyHere, Mr Reddit, Storytime and Darkfluff. These Reddit story channels inspired me to start my own Reddit story channel, with a focus on Entitled Parents stories and at times going into the r/pettyrevenge and r/choosingbeggars subreddit as well. Because most of my audience prefers Entitled Parents stories of Reddit, I tend to just stick with reading the r/EntitleParents Top Posts of All Time. But I also enjoy getting up close and personal with neckbeards and weeaboos from time to time. Subscribe to ReddX for the freshest daily Reddit content. I post relatable readings of Reddit posts and Reddit stories every single day! Journey with me as I relate these amazing Reddit stories to my personal life journey. I'm greatly inspired by the top reddit posts of all time videos and reddit stories on YouTube which is why I started doing them myself. YouTube: https://www.youtube.com/channe... Discord: https://discord.gg/Sju7YckUWu Twitch: https://www.twitch.tv/daytondo... PayPal: https://www.paypal.me/daytondo... Patreon: http://patreon.com/daytondoes Twitter: http://www.twitter.com/daytond... Facebook: https://www.facebook.com/ReddX... Merch: https://reddx-shop.fourthwall....

New video evidence, leaked law-enforcement dispatches, and eyewitness reporting paint a disturbing picture of what unfolded in Minneapolis.

US consumers have basically stopped using their credit cards. According to the Fed's latest data, revolving consumer credit declined again, the third time over the last seven months. And one of those other three was basically zero. There has been a clear change in attitude which means Americans aren't just feeling pessimistic, they're taking action about it. That is why consumer revolving credit is a critical cyclical signal, it draws together all the major components.  Eurodollar University's Money & Macro Analysis---------------------------------------------------------------------------------------------------------------------What if your gold could actually pay you every month… in MORE gold?That's exactly what Monetary Metals does. You still own your gold, fully insured in your name, but instead of sitting idle, it earns real yield paid in physical gold. No selling. No trading. Just more gold every month.Check it out here: https://monetary-metals.com/snider---------------------------------------------------------------------------------------------------------------------https://www.eurodollar.universityTwitter: https://twitter.com/JeffSnider_EDU

Welcome to Emmanuel Church's Podcasts! We are a Christian community located in Salisbury, Maryland, dedicated to engaging everyone, everywhere through connection with Christ and community. Join us for worship services every Sunday at 9:00AM and 11:00AM. Follow and connect with us as we grow together in Christ! #EmmanuelChurch #salisburymd #christiancommunity #worshipservice #biblestudy #communityoutreach #livestreaming #faith #prayer #jesuschrist #gospel #churchonline #religiouseducation #spiritualgrowth 

Some hauntings don't begin with footsteps or shadows—they begin inside the mind.In this chilling true paranormal story, a family watches helplessly as a once-familiar man spirals into addiction, paranoia, and terror. What starts as heavy drinking and emotional distance escalates into something far more disturbing: voices issuing deadly ultimatums, violent nocturnal attacks, and a growing sense that something unseen has latched onto his weakest moments.Lights flicker. Doors open on their own. A child senses something watching. Then comes the confession—an entity name that surfaces repeatedly in his thoughts. A name tied to ancient scripture. A name spoken with fear.After a pastor prays with him, the activity intensifies. Within hours, he claims something grabbed his ankles and dragged him from the bed.As the family struggles to understand what they're witnessing, one question refuses to fade: are they dealing with a severe mental health crisis… or something far darker hiding behind it?#TrueGhostStory #DemonicAttachment #ParanormalPodcast #RealHaunting #PossessionStory #DarkParanormal #UnexplainedEncounters #TrueParanormal #SpiritualWarfare #CreepyTrueStories Love real ghost stories? Don't just listen—join us on YouTube and be part of the largest community of real paranormal encounters anywhere. Subscribe now and never miss a chilling new story:

Hour 1---Geoff Calkins Finale Show 1-9-25 with Jeffrey, Gary Parrish (prior to getting pulled over, then John Martin-contin' to hour 2

This week's episode takes a different shape. Due to scheduling conflicts and real-life responsibilities, the hosts dip into archived Patreon clips to create an unconventional, raw, and unfiltered listen. The result is a collage-style episode that feels less like a traditional show and more like a peek behind the curtain. Pulled from conversations before recording, the ladies share side commentary, candid reflections, and off-mic moments that listeners don't usually hear. The episode may be all over the place, but in a way that mirrors real life, creative process, and the kind of conversations that happen when the pressure is off. Messy, honest, and deeply human, this episode offers the crew's community a glimpse into how the show sounds when it's just them...no agenda, no polish, just real talk. Cheers.*Please be advised this episode is intended for adult audiences and contains adult language and content. We are expressing opinions on the show for entertainment purposes only. Dedication: To our patrons as always!! We love you!Moni: Happy Birthday to my big brother, Marcel!Kat: Who knows, probably Star Trek! (hehe)**Stranger than Fiction:

In episode 1985, Jack and Miles are joined by comedian and producer of the monthly Facial Recognition Comedy show, Pallavi Gunalan, to discuss… The New And Improved CBS Evening News Was A Total Clusterfuck, Guess What Trump Is Talking About In This Speech, Machado Still Trying To Get That Trump Co-Sign, Speaking of OIL, Stranger Things Fans Are Going Full QAnon After Series Finale and more! Tony Dokoupil’s ‘CBS Evening News’ Debut Is an Inauspicious Sign of Where CBS News Is Headed New CBS Evening News Anchor Tony Dokoupil Says News Has ‘Put Too Much Weight’ on Academics and Elites: ‘The Press Has Missed the Story' The "new" CBS Evening News MAGA-Coded CBS Anchor Tony Dokoupil Ripped for Walter Cronkite Jab Bari Weiss names Tony Dokoupil, who defended Israel on-air in closely scrutinized interview, to top CBS News anchor job CBS Rebukes Anchor Over Tense Interview With Ta-Nehisi Coates CBS Mornings' Tony Dokoupil Says His Children in Israel Are Safe amid Hamas Attacks: 'Roller Coaster Weekend' CBS News staff grouse over ‘mediocre’ Tony Dokoupil getting ‘Evening News’ gig: ‘It’s an insult’ MAGA-Coded CBS Anchor Falls Apart in Evening News Debut CBS’ new guy. I think we’re good here. Guess What Trump Is Talking About In This Speech Trump tells Republicans to be ‘flexible’ on abortion restriction demands in health care Machado Still Trying To Get That Trump Co-Sign Stranger Things ends with divisive finale – as ‘disappointed’ fans bemoan ‘stupidest’ plot decision What Is Conformity Gate? Explaining the Theory That ‘Stranger Things’ Pulled a Finale Fake-Out No, There’s No Secret ‘Stranger Things’ Episode 9 Tomorrow: Conformity Gate Isn’t Real Netflix Crashes Again as ‘Stranger Things’ Season 5 Finale Premieres ‘Stranger Things’ Finale Delivers $25M+ To Movie Theaters After New Year’s Play, More Than 60% Of That From AMC – Box Office Update All the convincing evidence that a secret Stranger Things episode is coming this week Over 750,000 disappointed fans sign petition to remake the final season of 'Game of Thrones' Inside the Real-Life Time-Travel Experiment That Inspired 'Stranger Things' The mysterious Montauk Project and its outlandish conspiracy theories Anatomy of a Hoax: The Philadelphia Experiment Fifty Years Later LISTEN: Punk Rocky by A$AP RockySee omnystudio.com/listener for privacy information.

In this special Ask Me Anything episode, Jess DeMarchis—therapist-turned life coach—kicks off the new year by answering your most asked questions about coaching, business, money, and personal growth. Pulled directly from Instagram DMs, Jess is interviewed by her friend Megan in an honest, fun, and wide-ranging conversation that blends personal stories with professional insight. Together, they cover everything from Jess's early leadership influences and favorite coaches, to why she transitioned from therapy to coaching, how she runs her coaching business, and how she thinks about money, morality, and impact. You'll also hear Jess's perspective on: How she found her path into professional coaching What platforms she uses to run a successful coaching business What it really means to reach your full potential How to evaluate your internal operating system, outgrow old goals, and build the courage to start Why moving faster, failing faster, and learning faster is key to growth Whether you're a coach, aspiring coach, or someone deeply invested in personal development, this episode offers insight, clarity, and a refreshing behind-the-scenes look at the life and mindset of a professional coach.   Learn more about The Art & Skill of Coaching certification: https://www.jessicademarchis.com/the-art-skill-of-coaching   ASC Waitlist:  https://purple-lion-72607.myflodesk.com/ascwaitlist    Stay in Touch: www.jessicademarchis.com IG @jess_demarchis_coaching   The Coach Skill Audit: https://purple-lion-72607.myflodesk.com/coachskillaudit    Coach Question of the Week: https://purple-lion-72607.myflodesk.com/agcj1mr1y3    Megan Wing: IG @meganwingcoaching  

Japan's new prime minister Sanae Takaichi made waves last fall after saying her country might intervene if China invaded Taiwan. In response, China launched state-organized boycotts against Japan — canceling concerts, restricting seafood imports, and even recalling pandas. Today on the show, what does it look like for a state to organize a boycott, and does it work? Related episodes: How Japan's new prime minister is jolting marketsWhen do boycotts work? Forging Taiwan's Silicon Shield For sponsor-free episodes of The Indicator from Planet Money, subscribe to Planet Money+ via Apple Podcasts or at plus.npr.org. Fact-checking by Sierra Juarez. Music by Drop Electric. Find us: TikTok, Instagram, Facebook, Newsletter.  Learn more about sponsor message choices: podcastchoices.com/adchoicesNPR Privacy Policy

Beat Migs! Tune in to hear all about it!

This week on the Active Self Protection Podcast we sit down with armed self defender Dave and discuss the day he and his family were on vacation getting groceries when a woman approached his family, drew a gun and demanded money and how he was forced to act. Active Self Protection exists to help good, sane, sober, moral, prudent people in all walks of life to more effectively protect themselves and their loved ones from criminal violence. On the ASP Podcast you will hear the true stories of life or death self defense encounters from the men and women that lived them. If you are interested in the Second Amendment, self defense and defensive firearms use, martial arts or the use of less lethal tools used in the real world to defend life and family, you will find this show riveting. Join host and career federal agent Mike Willever as he talks to real life survivors and hear their stories in depth. You'll hear about these incidents and the self defenders from well before the encounter occurred on through the legal and emotional aftermath. Music: bensound.com

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(SPOILER) Your Daily Roundup covers what's the Patreon live re-watch this week and when, the eerie audio someone pulled from the Big Brother live feeds this summer, and what we didn't have 25 years ago that we have now.    Music written by Jimmer Podrasky (B'Jingo Songs/Machia Music/Bug Music BMI) Learn more about your ad choices. Visit megaphone.fm/adchoices

Taylor Cormier fills in for the fourth and final hour, he starts off trying to convince everyone Mr. Potter wasn't the villain in the movie "A Wonderful Life". Then, on Police Blotter Fax Friday he talks about what happened when Santa was pulled over.  Visit the Howie Carr Radio Network website to access columns, podcasts, and other exclusive content.