Podcasts about rsu

Welcome to Top of Mind with Consilio Wealth!Chris Kaminski returns with Hao Dang to unpack the growing fear around AI replacing white-collar jobs. From the viral Matt Schumer article to bold predictions of widespread automation, they break down what's real, what's hype, and what it could mean for professionals and the broader economy.They also dive into the sharp selloff in Big Tech and SaaS stocks, the surprising strength in small caps and international markets, and whether true market rotation is finally underway. The episode wraps with a discussion on the Supreme Court striking down tariffs and who ultimately pays the cost.We discuss: ➡️ AI and the future of white-collar work ➡️ Big Tech selloffs and SaaS stock declines ➡️ Small-cap and international outperformance ➡️ Entrepreneurship and the AI startup surge ➡️ Tariffs, inflation, and corporate marginsTo learn more about us or stay in the loop, visit www.consiliowealth.comDo you work at Microsoft, Amazon, Meta, or Google? Check out our free benefits guidesSubmit a question to team@consiliowealth.comwww.consiliowealth.com/disclosures 

Roger Whitney continues the four-part series on navigating health care before Medicare, focusing this week on controlling costs—both through everyday decisions and by understanding how the Affordable Care Act (ACA) subsidy system works now that the expanded credits have expired. He explains the return of the 400% federal poverty level “cliff,” walks through how modified adjusted gross income (MAGI) impacts premiums, shares listener experiences with inflation and subsidy loss, and explores the ethical tension around optimizing for government benefits.OUTLINE OF THIS EPISODE OF THE RETIREMENT ANSWER MAN(00:00) This show is dedicated to helping you not just survive retirement, but have the confidence to lean in and rock it.(00:30) Roger introduces week three of the four-part series on health care before Medicare, focusing on controlling health care costs and understanding ACA subsidies. He previews next week's structured decision framework and conversation with Taylor Schulte of Define Financial.PRACTICAL PLANNING SEGMENT(02:35) Start with the fundamentals: staying or getting healthy through strength, cardio, mobility, screenings, and proactive chronic condition management to potentially reduce long-term costs.(04:58) Compare all available coverage options and use practical strategies like staying in-network, timing procedures, and shopping prescriptions to manage costs.UNDERSTANDING THE ACA SUBSIDY SCHEME (POST-2025 CHANGES)(08:48) Roger breaks down the Affordable Care Act's premium subsidy scheme, designed to make health care more affordable and protect coverage for preexisting conditions. He explains how subsidies are based on income relative to the federal poverty level (FPL) and how the rules have changed over time, including expansions under the American Rescue Plan and temporary extensions during COVID.(11:55) Roger explains how the premium tax credit works, including that eligibility is based on having income between 100% and 400% of the federal poverty level, and that exceeding the threshold by even $1 eliminates any subsidies(14:00) Roger gives an example of a married couple comparing higher versus lower income, illustrating how managing income can significantly affect subsidies in the years before Medicare.(15:47) What counts toward Modified Adjusted Gross Income (MAGI) and what does not count.(18:00) Reconciliation risk: estimating income during open enrollment and potentially repaying subsidies if actual income exceeds projections.(22:30) Strategic planning opportunities: building tax diversification before retirement (taxable, Roth, HSA) to create flexibility in managing MAGI and avoiding unforced errors like unexpected capital gain distributions, RSU vesting, or inherited IRA withdrawals.(26:40) Common pitfalls that can unexpectedly reduce your health care subsidies, and why keeping a buffer below the income cliff matters.LISTENER QUESTIONS & OBSERVATIONS(30:25) Joe reflects on retiring in his early 50s and how health care costs quickly became a major factor in his retirement planning.(35:35) Clarification on ACA navigators and where to find assistance through HealthCare.gov and research from Kaiser Family Foundation.(37:00) David shares his experience navigating insurance before Medicare, highlighting how exploring different options helped manage costs.(38:36) Gene asks about handling a gap in coverage before Medicare, and Roger shares strategies to manage costs and explore available options.(45:20) Philosophical discussion on whether it is appropriate to intentionally manage income to qualify for subsidies, and how each person must reconcile financial optimization with personal values.SMART SPRINT(51:30) Choose one area of spending this week—health care or otherwise—and apply intentional cost awareness to build the habit of conscious cost control.REFERENCESSubmit a Question for RogerSign up for The NoodleThe Retirement Answer ManKaiser Family Foundation (KFF)Healthcare.gov

Welcome to Top of Mind with Consilio Wealth!Hao Dang and Alex Dorell unpack the recent market pullback and rising fears of “AImageddon” as AI-related stocks face new scrutiny. They explore whether this volatility signals deeper trouble or simply a shift from hype to profitability in the AI trade.The conversation also covers sharp sell-offs in SaaS, travel, and financial data companies, along with big swings in gold, silver, and crypto. Are these true safe havens — or just momentum trades fueled by speculation?We discuss:➡️ The tech-led market sell-off and spike in volatility➡️ AI spending concerns at Microsoft, Meta, and other Big Tech firms➡️ SaaS and service companies under pressure from AI disruption fears➡️ Job displacement vs. productivity gains from AI➡️ Gold, silver, and crypto volatility during market stress➡️ Investor psychology, leverage, and market rotation

In this episode of ThimbleberryU, we dive into an increasingly common experience for those working in the tech industry: burnout. We begin by acknowledging that tech burnout is unique—fast-paced roles, unpredictable compensation, constant decision-making, and job instability combine to create chronic stress. Amy Walls shares how burnout shows up not only emotionally, but also financially, and how we can use financial planning to move from depletion to clarity and control.We explore how burnout rewires our ability to make decisions. Stress from long hours and mental overload shrinks our decision-making capacity. This leads to automatic, often reflexive spending as a way to cope—ordering food, shopping online, or subscribing to convenience services not out of indulgence, but survival. Many of us say we make good money, yet still feel stretched. Amy explains this disconnect through the lens of decision fatigue and lifestyle inflation as coping tools, rather than conscious choices.Then, we walk through Amy's Burnout Blueprint, a three-pillar framework for using financial planning to support mental and emotional wellbeing. The first pillar is intentional spending. We learn to distinguish between energy-saving expenses, like cleaning services or meal prep, and stress-coping spending that signals a deeper need for rest or support. We hear how small shifts—like outsourcing chores—can buy back time and change our relationship with money.The second pillar is career pacing. Amy shows how financial clarity gives us room to pause, reassess, or even take sabbaticals. Instead of being chained to the next RSU payout or promotion, we can model what “enough” looks like and make career decisions from a place of health, not fear.The third pillar is structured downtime. Real rest requires more than intention—it requires the freedom to disconnect without guilt or financial worry. Whether it's a full sabbatical or just a microbreak, planning for rest helps rebuild energy and perspective. We also look at underutilized workplace benefits that can support recovery and reduce costs.To wrap up, Amy leaves us with a powerful reminder: burnout isn't a personal failure—it's a mismatch between demands and energy. Small, intentional changes around spending, work, and rest can restore control and support our overall wellbeing. To get in touch with Amy and her team at Thimbleberry Financial, call 503-610-6510 or visit thimbleberryfinancial.com.The ThimbleberryU Podcast is produced by JAG Podcast Productions - https://jagpodcastproductions.com/

Šajā epizodē turpinu sarunu virzienu, ko aizsāku iepriekšējā tikšanās reizē, kurā runāju par apziņu, jēgu un to, kāpēc ar “tehniskām pārmaiņām” organizācijās vairs nepietiek. Mēs dzīvojam laikā, kur stress, spriedze un izdegšana nav tikai personīgs stāsts — tā ir kolektīva realitāte. Un cilvēki darbā ienāk ne tikai ar CV un lomu, bet arī ar savu iekšējo pasauli, jautājumiem par piederību, vērtībām un dzīves jēgu.Mana viešņa šajā epizodē ir Daiga Katrīna Bitēna — klīniskā un veselības psiholoģe, RSU pētniece un doktorantūras studente, kura pēta garīgo dimensiju onkoloģijas pacientu dzīvē, un vienlaikus strādā arī ar organizācijām, palīdzot ieraudzīt, kā “iekšējā dzīve” ienāk darba vidē.Esmu ļoti priecīga par šīs sarunas rezultātu, jo šķiet, ka izdevās viegli izrunāt, brīžiem nesaprotamu un sarežītu tēmu un par to īpašs paldies Daigai. Mēs runājam par to, ko patiesībā nozīmē garīgums (un ko tas nenozīmē), kāpēc šī tēma kļūst aktuāla tieši tagad, un ko HR un vadītāji var darīt praktiski, lai organizācijās būtu vairāk jēgas, veseluma un cilvēcības un tas nav tikai “good vibes only”. Skaidrs, ka garīgums nav instruments, lai apietu grūtās emocijas, konfliktus un realitāti.Daži citāti un no sarunas:“Garīgums būtībā ir cilvēka iekšējs dziļš process"“Mūsu primārā komūnas sajūtas veidošanas vieta mūsdienās ir darbs.”“Garīgas prakses mērķis ir stiprināt cilvēku spēju piedzīvot realitāti tādu, kāda viņa ir.”Epizodē pieminam arī autorus un idejas, kas palīdz skaidrot un veidot valodu par šo tēmu: Frederiks Lalū (Frédéric Laloux), Lisa Miller, Otto Scharmers. Šī ir saruna par briedumu mūsu cilvēkos un organizācijās un par to kā atvērt telpu dažādām pieredzēm, nezaudējot robežas. HR PODCAST ir sarunas par tēmām, kas aktuālas personāla vadības ekspertiem, CEO, vadītājiem organizācijās, ikvienam, kam svarīga darba vide. Raidieraksts, kurā tiekamies ar cilvēkresursu vadības ekspertiem, profesionāļiem, praktiķiem. Uzklausām viedokļus un pieredzes, kā arī uzdodam jautājumus par jaunākajiem rīkiem, kādus lietot, lai vēl labāk sniegtu stratēģisku atbalstu biznesam. Sarunas vada Ilze Medne.Rubrika CEO dienasgrāmata: Sarunas ar vadītājiem un uzņēmumu CEO, par viņu ikdienas pieredzi esot vadītāja amatā. Par līderību, organizācijas attīstību un sadarbību ar HR.

Welcome to Top of Mind with Consilio Wealth!Hao Dang and Alex Dorell kick off 2026 with a timely market update, breaking down a volatile start to the year driven by political headlines, tariff uncertainty, and shifting interest rate expectations. They discuss why international markets outperformed in 2025, how currency swings boosted global returns, and what a weaker U.S. dollar could mean for investors ahead.The episode also explores today's K-shaped economy, where higher-income consumers continue to spend while other segments face growing pressure. Hao and Alex unpack what's happening with Fed policy, bond markets, and government deficits — and why not all market swings signal deeper economic trouble. They close with their outlook for the rest of 2026, including valuations, diversification, and the risks of too much consensus on Wall Street.We discuss: ➡️ A volatile start to 2026 and renewed market swings ➡️ International outperformance and the impact of currency move ➡️ Tariffs, Treasury yields, and shifting “safe haven” trends ➡️ Fed policy vs. market-driven interest rates ➡️ The K-shaped economy and changing consumer behavior ➡️ Manufacturing vs. services and what PMI data is showing ➡️ Market valuations and the danger of consensus forecasts ➡️ Why diversification still matters in an unpredictable year

You've built a nest egg between one and five million dollars—now the real work begins. We walk through the decisions that matter most in the first years of retirement, where timing your exit, securing healthcare before 65, and designing tax-aware withdrawals can add up to six figures over a lifetime. Instead of chasing market headlines, we focus on how to turn assets into a resilient paycheck that funds real goals.We start with the power of timing. Leaving in February versus July could mean capturing a final profit-sharing contribution, an RSU vest, or an extra month of employer coverage. From there, we unpack the healthcare maze: ACA marketplace plans and how income management can unlock subsidies, individual policies from major carriers, underwritten options that trade medical questions for lower premiums, and employer early-retiree plans that keep you in a familiar network. The throughline is control—matching your medical needs, doctor access, and budget while avoiding surprise gaps before Medicare starts at 65.Taxes drive the second half of the conversation. The 4% rule isn't a plan; the order of withdrawals is. We explain how filling tax brackets with partial Roth conversions can lower lifelong taxes and reduce the shock of required minimum distributions that might otherwise push you into higher rates and raise Medicare premiums. Asset location, rebalancing discipline, and a sensible cash buffer all support steady income while limiting forced sales. Then we connect the dots to Social Security: when delaying pays, how to cover the gap years, and why the best claiming decision depends on your health coverage and cash flow plan.Under all of this sits one question: what is the money for? Whether it's travel, a second home, helping grandkids, or simply not worrying about markets, clarity on purpose sets the right risk level and spending rhythm. Subscribe, share this episode with someone planning their exit, and leave a review with your top retirement question—we may feature it in a future show. Envision Financial Planning. 5100 Poplar Avenue, Suite 2428, Memphis, TN 38137. (901) 422-7526. This communication is strictly intended for individuals residing in the United States. Advisory Services offered through Envision Financial Planning, a Registered Investment Adviser.

Studijā Latvijas Ārpolitikas institūta direktore, RSU pētniece Una Bērziņa-Čerenkova un Vācijas Māršala fonda Ziemeļu novirziena vadītāja Kristīne Bērziņa.

成為這個頻道的會員並獲得福利：https://www.youtube.com/channel/UCJIPFjZSCWR15_jxBaK2fQQ/join前幾天看到新聞，我的前東家、曾經是矽谷最耀眼的 FinTech 獨角獸 Brex，正式被 Capital One 以 51.5 億美金收購。這個消息對我來說心情特別複雜，不只是因為這代表著一個時代的結束，更因為我曾身在其中，見證過它的瘋狂與轉折。你很難想像，這家公司的起點，是兩位來自巴西的 20 歲少年。他們 16 歲就靠賣掉支付公司財富自由，為了進入矽谷核心圈申請上 Stanford，最後卻因為「身價千萬卻辦不到一張美國信用卡」的荒謬痛點，決定輟學創辦 Brex，發誓要顛覆傳統銀行。九年過去了，這場金融革命的結局不是上市敲鐘，而是估值腰斬，賣給了它原本最想取代的對手。這集影片不只是商業新聞的分析，我整理了 Brex 創辦人的傳奇發跡史、它與競爭對手 Ramp 之間的「哲學之戰」：當「鼓勵花錢」遇上「幫你省錢」，為何在升息循環下命運截然不同？更重要的是，我想用「前員工」的內部視角，公開我當時的 Offer 與最終的 RSU 回報，直接算給你看：在獨角獸公司打工，還要經歷併購的層層資金分配後，到底是財富自由的捷徑，還是一場華麗的賭注？這是一個關於天才、野心、時運，以及矽谷打工人真實回報的故事。本集精彩亮點： 

Stāsta medicīnas vēsturniece, Rīgas Stradiņa universitātes docente Maija Pozemkovska; pārraides producente – Maruta Rubeze Profesors Pauls Stradiņš (1896–1958) bija ne tikai izcils ķirurgs un medicīnas vizionārs, bet arī personība ar ļoti plašām interesēm. Profesora  lielākais vaļasprieks bija kolekcionēšana un medicīnas vēsture. Viņš bija kaislīgs vācējs, kurš kolekcionēja visu, kas saistīts ar medicīnas attīstību – senas grāmatas, mākslas darbus, aptiekas traukus un vēsturiskus priekšmetus – fotogrāfijas un pat mēbeles. Kopš 20. gadsimta 30. gadiem vāktais krājums sākotnēji atradās Rīgas pilsētas 2. slimnīcas (tagadējā Paula Stradiņa Klīniskā universitātes slimnīca) telpās, bet 1957. gadā Pauls Stradiņš izveidoto Medicīnas vēstures kolekciju novēlēja valstij. Tas ir viens no lielākajiem šāda veida muzejiem Eiropā, un pēc Paula Stradiņa nāves 1958. gadā tika nosaukts viņa vārdā. Pauls Stradiņš būtībā bija filantrops un mecenāts, jo sākotnēji algas medicīnas muzeja darbiniekiem maksāja no savas kabatas. Medicīnas muzeja diorāmas un maketus, kas ar māksliniecisku precizitāti restaurēja pagātnes ainas, piemēram, viduslaiku aptieku un viduslaiku pilsētu, darināja butaforiju mākslinieks Oļģerts Krūmiņš (1904–1989). Viņš arī Paula Stradiņa Medicīnas vēstures muzeja pirmais direktors (1957–1960). Pauls Stradiņš augstu vērtēja mākslu un uzturēja ciešas attiecības ar tā laika inteliģenci. Viņš kolekcionēja latviešu mākslinieku gleznas un skulptūras, bieži apmeklēja teātrus un koncertus, uzskatot, ka ārstam ir jābūt vispusīgi izglītotam un dvēselē bagātam, lai labāk izprastu savus pacientus. Viņš labprāt bez atlīdzības lasīja lekcijas, publicēja populārzinātniskus rakstus un centās padarīt medicīnu saprotamu ikvienam. 1946. gadā, būdams Latvijas Valsts Universitātes Medicīnas fakultātes dekāns, uzrunā "Kamdēļ es studēju medicīnu", Pauls Stradiņš sacījis: "Medicīna reizē ir amats, zinātne un māksla," tā pārfrāzējot izcilā renesanses laika medicīnas reformatora Paracelza (Paracelsus; 1493–1541) vārdus. Veidojot Medicīnas muzeju, Stradiņš pieaicināja arī dažādus māksliniekus. Viņu vidū arī Jāni Robertu Tillbergu (1880–1972), kas bija muzeja idejas atbalstītājs un mākslinieciskais konsultants. Vēlāk viņi kļuva labi draugi, un Tillbergs portretējis Stradiņa ģimeni vairākās paaudzēs. Paula Stradiņa vecāku – mātes Māres un tēva Jāņa – portreti tagad glabājas Viesītes muzejā "Sēlija", jo Stradiņu dzimtas saknes meklējamas Viesītē, bet pārējo ģimenes locekļu portreti ir ģimenes īpašumā. Cieša sadarbība Paulam Stradiņam bija ar gleznotāju Leo Kokli (1924–1964), kas bija profesora meitas, gleznotājas Irēnas Stradiņas (1925–1972) skolas un studiju biedrs. Par mākslinieciski augstvērtīgāko tiek uzskatīts Leo Kokles 1963. gadā darinātais Paula Stradiņa portrets. Pēc Stradiņa pasūtījuma viņš gleznojis arī citu izcilu ārstu portretus, kuru vidū arī stetoskopa izgudrotājs – franču ārsts Renē Leneks (Laennec; 1781-1826). Paula Stradiņa Medicīnas vēstures muzeja ekspozīcijā aplūkojams arī Stradiņa meitas, gleznotājas Irēnas Stradiņas diplomdarbs "Nikolajs Pirogovs Sevastopoles lazaretē" (1949). Stradiņa ģimenes māja ar plašo dārzu Pārdaugavā, blakus slimnīcai, kas celta 20. gadsimta 30. gadu sākumā, bija inteliģences pulcēšanās vieta, bet iekoptais dārzs – vieta mieram un pārdomām pēc garajām darba stundām operāciju zālē. Stradiņa ģimenes paziņu lokā bija daudzi tā laika izcilākie latviešu kultūras darbinieki – režisors Eduards Smiļģis (1886–1966), rakstniece un gleznotāja Hilda Vīka (1897–1963), kura cita starpā gleznojusi arī abas vecākās Paula Stradiņa meitas. Pauls Stradiņš bieži palīdzēja māksliniekiem arī kā mecenāts, iegādājoties viņu darbus vai sniedzot morālu atbalstu grūtos laikos. Pauls Stradiņš uzskatīja, ka skaista, estētiska vide un mūzika palīdz ātrāk atveseļoties. Viņš rūpējās par slimnīcas labiekārtošanu, gleznu eksponēšanu plašajos klīnikas gaiteņos un arī palātās, uzskatot to par būtisku pacientu atveseļošanās daļu. Pēc Stradiņa ierosmes slimnīcā  rīkoja koncertus, aicinot uzstāties Operas solistus. Bieži viesi bija dziedoņi Elfrīda Pakule (1912–1991) un Aleksandrs Daškovs (1914–2004). Kā atceras Paula Stradiņa jaunākā meita Asja, tad arī tēvam bija laba balss un viņam patika dziedāt, arī šūpuļdziesmas saviem bērniem. Pie Paula Stradiņa vaļaspriekiem noteikti jāmin kustīgais dzīvesveids: pārvietošanās kājām, braukšana ar divriteni, bet vasarā -  peldes Lielupē un jūrā.  Viena no profesora atziņām jeb devīzēm bija: "Man jāatstāj pēc sevis klīnika, ķirurgu skola un muzejs!" Šīs mūža ieceres un mērķus viņam izdevās sasniegt un piepildīt. Avoti: Nacionālā Enciklopēdija (dažādi šķirkļi). Pieejams: https://enciklopedija.lv/ Vīksna, A., "Pa profesora Paula Stradiņa mūža takām", Rīga, Paula Stradiņa Medicīnas vēstures muzejs, 2018. Vīksna, A. (sast.), "Latvijas ķirurģijas profesori", Rīga, LU, RSU, PSKUS, RAKUS, 2010.

Welcome to Top of Mind with Consilio Wealth!Chris Kaminski and Hao Dang revisit the predictions they made for 2025, breaking down what they got right, what they missed, and why. From clean energy outperforming traditional energy and resilient consumer behavior around tariffs, to surprises in inflation, gold, and AI-driven market leadership, they reflect on a year filled with unexpected market strength and shifting narratives. The conversation then turns forward as they share their predictions for 2026, covering everything from interest rates and unemployment to AI competition, IPO activity, and which companies could dominate the next phase of market leadership.We discuss:➡️ Reviewing 2025 market predictions — wins, misses, and surprises➡️ Clean energy's strong outperformance versus traditional energy➡️ Why consumers largely ignored tariffs and rising U.S. debt➡️ The surge in all-time market highs despite volatility➡️ Sticky inflation and the Fed's rate-cut decisions➡️ Gold's unexpected breakout and a weaker U.S. dollar➡️ AI spending, small-cap momentum, and sector leadership shifts➡️ Big Tech's dominance — Google, Meta, Nvidia, Tesla, and Apple➡️ IPO activity and the challenges of going public for AI companies➡️ Bold market, economic, and policy predictions for 2026To learn more about us or stay in the loop, visit www.consiliowealth.comDo you work at Microsoft, Amazon, Meta, or Google? Check out our free benefits guidesSubmit a question to team@consiliowealth.comwww.consiliowealth.com/disclosures 

כל אפשרות היא אופציה.אבל לא כל אופציה היא מניה!המרואיין שלנו היום הוא יובל אריאב והוא יודע טוב מאוד מה היא אופציה.יובל הוא משקיע צ'ק ראשון, היזם ומנהל קרן ההשקעות סימבול. הוא פרופסור באוניברסיטת קולומביה ומלמד את הקורס עם השם המדליק "Data Driven Dollars".החיבור אליו הגיע כששאלנו את אלעד רז: "את מי כדאי לראיין שידבר איתנו על אופציות?". הוא ענה בלי למצמץ פעמיים.על מה דיברנו?- מה זאת אופציה?- למה יש מניות?- למה חברות נותנות אופציות לעובדים?- למה מקבלים אופציות כאופציות ולא כמניות?- איך מעריכים שווי של אופציות?- מה זה אומר דילול ואיך זה משפיע על המהנדס בקצה?- מה עושים עם האופציות בסיום העבודה?- ואיך אפשר להרוויח מאופציות?בהמשך לפרק המוצלח על RSU עם שרון רבינוביץ׳ (בו סיפרנו לכם מה ראשי התיבות אומרים באמת, וגם הבטחנו לכם פרק על אופציות), הגיע הזמן להקדיש פרק למי שעובד בסטארטאפ. גם עובדים עתידיים בסטארטאפ מוזמנים להאזין. או כאלה שיש להם אופציות מחברה קודמת. או בכלל.אחרי שהאזנתם לפרק מוזמנים להצטרף לקבוצת המאזינים שלנו - שם אנחנו נותנים אופציות שונות בסקרים משונים >>> https://chat.whatsapp.com/KwUu8pQsxx220qS7AXv04Tמוזמנים ליצור איתנו קשר במייל podcasthardreset@gmail.comהאזנה נעימה.

Send us a textI'm joined by Ryan Goldenhar and Jackie Lewis, the powerhouse duo behind Wealth with Options, a San Diego–based firm helping tech professionals make sense of equity compensation, major liquidity events, and the emotional decisions that come with sudden or complex wealth.Ryan and Jackie bring a rare combination of technical rigor and humanity to financial planning—meeting clients not just where the numbers are, but where their values, fears, ambitions, and life transitions live.Together, we unpack what equity compensation really means, why money decisions are never “just spreadsheets,” and how true wealth is ultimately about freedom, clarity, and choice.This conversation is especially relevant for tech executives navigating RSUs, ISOs, IPOs, job transitions, or the question many silently ask: “What is all this money actually for?”Important Disclosures:Jackie Lewis and Ryan Goldenhar offer investment advisory services through Mariner Platform Solutions, LLC (“MPS”), an SEC-registered investment adviser. Wealth With Options and MPS are separate, unaffiliated entities. For additional information about MPS, including fees and services, please refer to Form ADV Part 2A, which is available on the Investment Adviser Public Disclosure website (www.adviserinfo.sec.gov). Registration of an investment adviser does not imply a certain level of skill or training.This podcast episode includes statements by Tina Powell of Intention.ly. Intention.ly is a marketing firm that is compensated by Wealth With Options to provide marketing and related services. This compensation creates a conflict of interest, as Intention.ly has a financial incentive to promote Wealth With Options and its services. Statements made by Intention.ly should not be construed as independent or unbiased. This endorsement is not a guarantee of future results or client experience.Discussion of careers in technology companies and equity-based compensation, including stock options, is provided for general informational purposes only. Stock options and other forms of equity compensation do not guarantee wealth creation. Outcomes vary significantly based on company performance, market conditions, vesting terms, concentration risk, tax considerations, and individual circumstances.Any examples or scenarios discussed are illustrative only and should not be interpreted as indicative of typical or expected results. Nothing discussed should be construed as individualized investment, tax, legal, or employment advice, or as a recommendation to pursue any particular employment or compensation structure. Any opinions expressed herein are subject to change without notice.There is no assurance that any investment, plan, or strategy will be successful. Investing involves risk

Studijā ārpolitikas pētnieks, LU Ekonomikas un sociālo zinātņu fakultātes pasniedzējs Andis Kudors un Ģeopolitikas pētījumu centra direktors, RSU asociētais profesors Māris Andžāns.

8. janvāra radio Star FM rīta programmas Zoopasta tehnoloģiju rubrikas ieraksts. Šajā raidījumā pie mums ciemojas Linda Alksne no RSU un pastāsta par jauno mikroapliecinājuma programmu "Mākslīgā intelekta vadība".

Studijā Latvijas Ārpolitikas institūta direktors Kārlis Bukovskis un RSU docētājs, analītikas un vadības grupas “PowerHouse Latvia” direktors Mārtiņš Vargulis.

חגי אלמקייס עזב קריירה של עשור ברשות המיסים כדי לעבור לצד השני, ולסייע לשכירים ולעצמאים להתנהל חכם מול המערכת. בפרק הזה הוא חושף איך הדברים נראים מבפנים, ומגלה את ה"קיצורים" והטיפים שיעזרו לכל אזרח, עוסק או יזם לשרוד את הבירוקרטיה בלי להסתבך.דיברנו על הכסף שנשאר על הרצפה: מי זכאי להחזרי מס, אילו הוצאות מוכרות כולם מפספסים, ומתי באמת משתלם לעבור מעוסק מורשה לחברה בע"מ. חגי עושה סדר בבלגן ומסביר מהן הטעויות הכי נפוצות של עסקים בתחילת הדרך, ואיך מנצלים נכון הטבות מס למשפחות ולמשקיעי נדל"ן.שוחחנו גם על העתיד של עולם המיסוי: איך רשות המיסים מתייחסת לקריפטו, והאם ה-AI ישמש בקרוב לאיתור מעלימי מס או דווקא לעזרת האזרח. פרק חובה לכל מי שרוצה להבין את כללי המשחק, ולהבטיח שהוא לא משלם שקל אחד יותר ממה שהוא חייב.לפתיחת חשבון מסחר במיטב:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://landing.meitav.co.il/he-IL/landing/trade/tradeleads?utm_source=%D7%92%D7%99%D7%90+%D7%A0%D7%AA%D7%9F&utm_medium=%D7%92%D7%99%D7%90+%D7%A0%D7%AA%D7%9F⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠לאינסטגרם שלי:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.instagram.com/guynatan9/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠לאתר שלי:https://www.guynatan.com/0:00:00 פתיח והיכרות עם חגי אלמקייס: מרשות המיסים למגזר הפרטי 0:05:49 קריפטו ומיסים: המדינה נגד הביטקוין נכס או מטבע? 0:10:34 הסודות של העשירים: האם הם באמת משלמים פחות מס? 0:13:31 עובדי הייטק ואופציות: מה עושים עם ה RSU, ה 102 והרילוקיישן? 0:21:38 חברה בע"מ וחוק הרווחים הכלואים: האם המדינה חונקת את הצמיחה? 0:27:01 תכנוני מס בינלאומיים: פורטוגל (קריפטו) ויוון (נדל"ן) 0:34:22 האמת על דובאי: האם זה באמת גן עדן ללא מיסים? 0:43:32 ניתוק תושבות: הטעות הגדולה של ישראלים שעובדים בחו"ל0:48:26 הליך גילוי מרצון: איך מכשירים הון שחור בלי להסתבך בפלילים? 1:11:20 המלכוד האמריקאי: אזרחות כפולה והפטור של ה 10 שנים 1:16:52 מסר לסיום: למה הזול בייעוץ מס הוא בסוף היקר ביותר

Studijā LNAA Drošības un stratēģiskās pētniecības centra direktors Toms Rostoks un RSU lektors, analītikas un vadības grupas “PowerHouse Latvia” direktors Mārtiņš Vargulis.

APOLLO SILVER: The United States 2nd Largest Silver Deposit | CEO Ross McElroy on Critical Mineral Status & $26.7M Financing In this critical update, Maurice Jackson of Proven And Probable sits down with Ross McElroy, CEO and Director of Apollo Silver Corp. (TSX.V: APGO | OTCQB: APGOF), to discuss the company's recent momentum, including the successful C$26.78 million financing and the game-changing designation of silver as a Critical Mineral by the USGS. Ross details the strategic importance of the flagship Calico Silver Project in California, which is the second-largest undeveloped primary silver deposit in the United States, and how these catalysts are significantly streamlining its path toward production. KEY DISCUSSION POINTS & TIMESTAMPS [01:07] Introduction to Ross McElroy and Apollo Silver's massive Calico Project. [01:31] Overview of the two major catalysts: successful financing and the Critical Mineral designation. [01:47] Details on the oversubscribed C$26.5M financing and the company's C$32M treasury. [02:26] The scale and strategic location of the Calico Project in mining-friendly San Bernardino County. [03:46] The practical impact of silver's Critical Mineral status and how it benefits project development. [05:33] Fast-41 Program: Why this designation strengthens Calico's case for permitting efficiency and risk mitigation. [06:49] Addressing Domestic Supply: How Calico's 125 million ounces (M&I) resource tackles the 64% US silver import dependency. [08:12] Market Confidence: What the institutional support for the upsized financing says about Apollo Silver's value proposition. [09:12] Use of Funds: Advancing Calico and maintaining the option agreement at the Cinco de Mayo Project in Mexico. [09:42] Management Commitment: The importance of RSU alignment and significant open-market insider buying by Ross McElroy and Chairman Andy Bowering. [11:00] Looking Ahead: The single most important milestone (PEA kickoff) investors should watch over the next 6-12 months. Disclaimer: Maurice Jackson is a proud shareholder of Apollo Silver Corp. The information presented is for educational and informational purposes only. Always consult with a qualified financial advisor before making any investment decisions. #ApolloSilver #SilverStocks #CriticalMinerals #MiningInvestment #RossMcElroy #Fast41 #CalicoProject #APGO

Your finances have layers—investments, taxes, planning for the future. If you want a second set of eyes, Peter opened up a few spots for a quick, no-obligation call. Grab yours now. -----  Equity compensation can turbocharge wealth—and taxes. Brooklyn Fi managing partner John Owens joins Peter to share a clear year-end playbook for RSUs, ISOs/NQSOs, and ESPPs, including how to avoid AMT surprises, right-size withholding, and unwind concentrated stock positions.  Listen now and learn: ► A simple order of operations for year-end equity comp decisions ► RSU withholding pitfalls (and how to fix them before April)  ► ISO/AMT basics and why late-year exercises can backfire ► How to build a rules-based plan, use 10b5-1 mechanics, and when donor-advised funds make sense   Visit www.TheLongTermInvestor.com for show notes, free resources, and a place to submit questions.   (00:00) Introduction (03:15) A hard-won lesson: when AMT grows larger than your stock (and what to do next) (04:21) Don't start equity planning on December 15 (really) (05:19) First move: build an inventory and triage the quick wins (08:18) AMT 101 for ISO holders: the "parallel" tax you don't want to pay (10:47) RSUs: why 22% withholding often sets up an April tax bill (12:24) ESPPs: capture the discount, control concentration (14:55) Designing a rules-based sell plan to unwind concentration risk (18:11) The base rates on single stocks: why a diversification plan matters more than a "feel" (20:42) 10b5-1 plans: automate good behavior and expand your ability to sell (23:31) Charitable giving with concentrated stock: donor-advised funds and timing across 2025/2026 (26:11) Family gifting: UTMAs, kiddie tax, step-up in basis, and multi-generational choice (27:28) The year-end document checklist most people miss (29:17) When to hire help (and when not to) (31:19) Biggest year-end mistakes to avoid Editing and post-production work for this episode was provided by The Podcast Consultant (⁠https://thepodcastconsultant.com⁠)   Disclosure: This content, which contains security-related opinions and/or information, is provided for informational purposes only and should not be relied upon in any manner as professional advice, or an endorsement of any practices, products or services. There can be no guarantees or assurances that the views expressed here will be applicable for any particular facts or circumstances, and should not be relied upon in any manner. You should consult your own advisers as to legal, business, tax, and other related matters concerning any investment. The commentary in this "post" (including any related blog, podcasts, videos, and social media) reflects the personal opinions, viewpoints, and analyses of the Plancorp LLC employees providing such comments, and should not be regarded the views of Plancorp LLC. or its respective affiliates or as a description of advisory services provided by Plancorp LLC or performance returns of any Plancorp LLC client. References to any securities or digital assets, or performance data, are for illustrative purposes only and do not constitute an investment recommendation or offer to provide investment advisory services. Charts and graphs provided within are for informational purposes solely and should not be relied upon when making any investment decision. Past performance is not indicative of future results. The content speaks only as of the date indicated. Any projections, estimates, forecasts, targets, prospects, and/or opinions expressed in these materials are subject to change without notice and may differ or be contrary to opinions expressed by others. Please see disclosures here.

In this episode of ThimbleberryU, we reset the conversation around RSUs—restricted stock units—and bring it back to the basics while adding context relevant to 2025. We start by defining what RSUs are: a form of equity compensation that incentivizes employees to remain at a company and contribute to its long-term success. These units don't hold any value until they vest, which typically happens over a period of years. Amy compares this to being promised jelly beans in the future—enticing but only valuable once they're actually in your hands.We walk through vesting schedules, with one-year cliffs and subsequent payouts over several years being the norm. The concept of “golden handcuffs” comes into play, where employees lose unvested RSUs if they leave a company, adding a layer of retention-driven strategy from employers. We also dig into the tax implications, emphasizing that there's no tax when RSUs are granted—but they are taxed as ordinary income once they vest. Many people mistakenly assume the company's withholding covers the full tax liability, but that's often not the case, especially for high earners.The conversation gets technical but clear, explaining how the timing of selling RSUs affects how gains are taxed—short-term gains being taxed as ordinary income and long-term gains benefitting from lower capital gains rates. We debunk the myth of “double taxation” with a simple timeline that separates the grant date, vesting date, and eventual sale date, highlighting how only the gain beyond vesting is taxed again.We then explore the decision of whether to hold or sell RSUs. It depends on individual circumstances, but key factors include overall exposure to the company through salary, stock, and other equity compensation. Concentration risk becomes a big deal, especially if both partners in a household have RSUs at the same company.Common mistakes include underestimating tax obligations, overconcentration in employer stock, and failing to plan for tax bracket changes due to RSU income. On the opportunity side, we point to strategic uses of appreciated RSUs—such as charitable donations and goal-based selling. With RSUs becoming more common outside of tech and market volatility remaining high, understanding your vesting schedule and strategy has never been more important.We wrap up by encouraging listeners to treat RSUs as part of a broader financial plan, not just as a bonus or windfall. Intentionality is key, and professional planning can help manage risk and make the most of these powerful compensation tools.00:00 – Intro & RSU Basics01:23 – What Are RSUs and Why Do Companies Offer Them?02:43 – Vesting Schedules Explained04:11 – Tax Implications at Vesting07:29 – Capital Gains on RSUs09:10 – Myth Busting: Are RSUs Double-Taxed?10:00 – Should You Hold or Sell RSUs?11:12 – Risk Exposure and Concentration13:20 – Common Mistakes with RSUs14:06 – RSU Opportunities and Strategic Planning14:52 – Why RSUs Matter in 202515:39 – Final Takeaways on RSU Strategy16:31 – How to Contact Thimbleberry Financial To get in touch with Amy and her team at Thimbleberry Financial, call 503-610-6510 or visit thimbleberryfinancial.com.

בשלב כלשהו בקריירה (בדרך כלל בהתחלה) כל אחד מגלה בתלוש המשכורת שלו שהוא משלם גם מס הכנסה, גם ביטוח לאומי וגם ביטוח בריאות.משהו נוסף שרובנו נתקל בו הוא RSU. אלו ראשי תיבות של Rabinoviz Sharon Unit.כמעט כל מי שעבד, עובד או יעבוד בחברה ציבורית ייתקל בRSU מהסיבה הפשוטה שזהו חלק ממרכיב השכר.המרואיין שלנו הפעם הוא שרון רבינוביץ׳. שרון הוא מהנדס חשמל סקרן שלא הסתפק בלנסות להבין כמה כסף הוא יכול לקבל ממכירת המניות שהוא קיבל ממקום העבודה שלו, אלא עשה מעשה ויצר פלטפורמה לחישוב הלא פשוט הזה בצורה מותאמת אישית.שרון התראיין בעבר למספר פודקאסטים כלכליים והגיע לתת זווית כלכלית לעבודה ההנדסית שלו ושלנו.קישור לכלי: https://www.rsu-calculator.com/אז על מה דיברנו?- מה זה בכלל RSU?- מהי תכנית ההבשלה?- מה הן מדרגות שכר?- אילו סוגי מיסים משלמים בעת מכירת RSU? וכמה?- מה זה ESPP?* אנחנו יודעים שיש חברות ציבוריות שאין בהם RSU.** קיימים הרבה הבדלים בין חברות שונות בכל הנוגע לנושאים שדיברנו עליהם. ניסינו לכוון למכנה המשותף הרחב ביותר.אחרי שהאזנתם לפרק מוזמנים להצטרף לקבוצת המאזינים שלנו - שם אנחנו מטפסים יחד במדרגות השכר >>> https://chat.whatsapp.com/KwUu8pQsxx220qS7AXv04Tמוזמנים ליצור איתנו קשר במייל podcasthardreset@gmail.comהאזנה נעימה.

On this week's Money Matters, Scott and Pat open the show with a look at the Magnificent Seven stocks. Is this tech dominance a warning sign or just the new market normal? They unpack what this concentration means for index investors and why historical perspective matters. Next, they take a call from a 56-year-old tech professional navigating a surprise layoff and considering early retirement. With over $2M in assets and plans to relocate, they walk through whether he can afford to stop working—or if some part-time income is essential. It's a timely breakdown of early retirement math, real estate moves, and RSU liquidation strategy. The episode wraps with two strong planning discussions: a state employee navigating Roth vs. traditional 401(k)/457 contributions, and a retiree using a "bucket strategy" who wants feedback on portfolio structure. Scott and Pat debate risk tolerance, rebalancing, and why flexibility is key in retirement income planning. If you're exploring early retirement, weighing Roth contributions, or fine-tuning your investment drawdown plan—this episode is packed with actionable insights. Join Money Matters:  Get your most pressing financial questions answered by Allworth's co-founders Scott Hanson and Pat McClain live on-air! Call 833-99-WORTH. Or ask a question by clicking here.  You can also be on the air by emailing Scott and Pat at questions@moneymatters.com. Download and rate our podcast here.

MarketsTAMPAN: Tesla, Amazon, Meta, Palantir, Apple, NvidiaTeslaCompetition with xPeng?Compensation PlanLive streaming Shareholder meeting. “1 Trillion pay package!!” Proxy hereRules:12 Tranches. 12 Market Cap + 12 Operational Term: 10 years! Award: 1% of shares in form of RSU. Vest on (a) the Market Capitalization Milestone for such tranche and (b) a previously unmet Operational Milestone. 12 Market Capitalization Milestones:1: $2 trillion2-10: $500 billion (to $6.5 trillion)11-12: $1 trillion (to $7.5 and $8.5 trillion12 Operational MilestonesProduct Goals20 Million Tesla Vehicles Delivered10 Million Active FSD Subscriptions1 Million Bots Delivered1 Million Robotaxis in Commercial OperationAdjusted EBITDA Milestones. 1-8 $50 to $400b.ETF ownership and voting rights FordFord executives might scrap the electric version of its F-150 pickupFord has $13 billion in EV losses% of Global EV Sales25.7m BEV sales since 20197.3m is TeslaLucid ranks #3 most cash burning EV maker globally with total reported cash burn of $14.4B behind Rivian $23.2 billion and Ford's EV segment $15.5 billion.PalantirEarnings PagePlay Alex's opening remarks!“114% Rule of 40 score! What Is the Rule of 40?Core Formula: Rev Growth + operating MarginAlex Letter to Shareholders Some of our detractors have been left in a kind of deranged and self-destructive befuddlement.

Jau daudzus gadus redzam, cik ļoti informācijas tehnoloģijas un saziņas kanāli ietekmē informācijas apriti un iedzīvotāju noskaņojumu. Kā vairot sabiedrības noturību pret jauno tehnoloģiju radītajiem drošības riskiem? Par to diskusija Krustpunktā. Analizē Latvijas Universitātes rektors Gundars Bērziņš, mākslīgā intelekta attīstītājs un startup uzņēmējs Zigmārs Bērziņš, Vidzemes Augstskolas asociētā profesore un Latvijas Nacionālās aizsardzības akadēmijas vadošā pētniece Ieva Bērziņa un Rīgas Stradiņa universitātes RSU asociētā profesore Ilva Skulte. Pēdējo dienu notikumi ap Stambulas konvenciju ļoti spilgti izgaismo riskus, par kuriem esam runājuši jau iepriekš. Proti, ar mums var itin viegli manipulēt. Konvencija ir sašķēlusi sabiedrību divās pretējās nometnēs, abas puses viena otru vaino muļķībā, nespējā kritiski domāt. Ir argumenti, kas parādās publiskajā telpā, kuri reizēm liek saķert galvu. Ir skaidrs, ka mūsu spēja pašiem lasīt, izšķirt, pieņemt kādus atbildīgus lēmumus vismaz daļā sabiedrības ir ļoti vāja. Ja runa būtu tikai par konvenciju, varētu kaut kā vieglāk samierināties. Bet stāsts jau nav tikai par viena dokumenta lasīšanu. Tehnoloģijām attīstoties, mūsu spēja pamanīt apmānu nonāk arvien lielākā riska zonā. Notikumi citās valstīs rāda, ka tas var kļūt pat par nacionālās drošības jautājumu. Vai ir iespējams kaut ko darīt, lai paaugstinātu mūsu spēju pretoties apzinātiem nodomiem mūs apkrāpt, piemuļķot, varbūt pat pakļaut?

Chris Kaminski and Hao Dang discuss the state of the economy through Chipotle earnings. AI efficiency that is showing in small cap stocks. The economic disparities that have emerged five years post-COVID, highlighting how higher-income individuals have thrived while lower-income groups struggle (K shaped recovery). We discusses the wealth effect, where rising stock prices lead to increased consumer spending among the affluent, contrasting this with the challenges faced by those with lower incomes.We discuss:➡️The state of the economy through Chipotle earnings. ➡️AI efficiency that is showing in small cap stocks➡️The recovery post-COVID has favored higher-income individuals.➡️Higher-income people have continued to thrive and gain net worth.➡️90% of the stock market is owned by a small percentage of the population.➡️The K shaped recovery has not been uniform across different income levels.➡️The K shaped recovery is becoming more pronounced post-pandemic.➡️Consumer spending is driven by stock market performance for the wealthy.To learn more about us or stay in the loop, visit www.consiliowealth.comDo you work at Microsoft, Amazon, Meta, or Google? Check out our free benefits guidesSubmit a question to team@consiliowealth.comwww.consiliowealth.com/disclosures 

Raidījuma uzmanības fokusā Tuvie Austrumi un Amerikas vidienē, mazliet pievēršoties arī Madagaskarai. Protams, runājam par Gazu, kurai šajās dienās ir pievērsta praktiski visas pasaules uzmanība. 13. oktobra rītā saskaņā ar noslēgto vienošanos tika atbrīvoti visi vēl dzīvi esošie ķīlnieki, ko "Hamās" bija sagrābis pirms diviem gadiem. Nav šaubu, ka tas ir arī liels ASV prezidenta Donalda Trampa nopelns, un pats Tramps nepārprotami pirmdien baudīja savus slavas mirkļus. Viņš ieradās Izraēlā, kur viņu gaidīja kā nacionālo varoni. Tajā pašā laikā politiskie eksperti piesardzīgi vērtējumos, cik ilgstošs un noturīgs pašreizējais miers būs. Ja Izraēlā Trampu novērtē kā miera nesēju, tad ir valstis, kur tagad ASV uzskata par potenciālu drīzu kara izraisītāju. Venecuēla nopietni gatavojas ASV iebrukumam. Par Venecuēlu jārunā arī vairāku citu iemeslu dēļ, arī piešķirtās Nobela Miera prēmijas dēļ, kuru nesen saņēma nevis Donalds Tramps, kurš to ļoti iekāroja, bet gan Venecuēlas opozīcijas līdere. Aktualitātes komentē Latvijas Radio Ziņu dienesta žurnālists Rustams Šukurovs, Ģeopolitikas pētījumu centra vecākais pētnieks Jānis Kažociņš un Latvijas Ārpolitikas institūta pētnieks, RSU docētājs Toms Rātfelders. Sengaidītais (pus)miers 8. oktobrī Izraēlas valdības un organizācijas „Hamās” pārstāvji vienojās par karadarbības pārtraukšanu, balstoties Savienoto Valstu prezidenta Donalda Trampa izvirzītajā miera plānā. Dienu vēlāk šo vienošanos akceptēja Izraēlas ministru kabinets, pēc kam 10. oktobrī iestājās uguns pārtraukšana un sākās ķīlnieku atbrīvošanas process. 13. oktobra rītā, uzrunājot Izraēlas parlamentu Knesetu, ASV līderis pasludināja kara beigas, lai gan saprotams, ka runa pagaidām ir tikai par trauslu pamieru. Izraēlai nozīmīgākais rezultāts ir pēdējo divdesmit izdzīvojušo 2023. gada oktobrī sagūstīto izraēliešu atbrīvošana, kas notika pirmdienas rītā. Neatdoti paliek vēl divdesmit astoņu gūstā bojāgājušo ķermeņi. Pretī teroristiskā organizācija saņem gandrīz divus tūkstošus no Izraēlas cietumiem atbrīvotus palestīniešus, tai skaitā 250 ar mūža ieslodzījumu notiesātos. Pēc piektdien notikušās uguns pārtraukšanas un Izraēlas paziņojuma, ka iedzīvotāji var droši atgriezties Gazas pilsētā, sākusies intensīva bēgļu kustība uz pamatīgi izpostīto anklāva lielāko centru. Pirmajā noregulējuma posmā Izraēla piekritusi atvilkt savus spēkus no četrdesmit septiņiem procentiem Gazas joslas platības; nākamajos divos posmos paredzēta turpmāka atvilkšana, galu galā paturot savā kontrolē apmēram 15 procentus teritorijas – drošības perimetru, no kura izraēlieši aizies tad, kad tiks atzīts, ka no Gazas joslas vairs neizriet nekādi teroristisku uzbrukumu draudi. Līdz ar uguns pārtraukšanu kara izpostītajā teritorijā intensīvi sākusi ieplūst palīdzība – ne vien pārtika,  medikamenti un pirmās nepieciešamības preces, bet arī materiāli un tehnika gruvešu novākšanai un infrastruktūras atjaunošanai. Nākamais punkts prezidenta Trampa Tuvo Austrumu vizītes maršrutā bija Šarmalšeihas kūrorts Ēģiptē, kur 13. oktobrī uz Gazas miera konferenci bija pulcējušies ap trīsdesmit valstu un starptautisko organizāciju vadītāju. Bez nozīmīgāko Rietumeiropas, Persijas līča un dažu citu ietekmīgu pasaules nāciju vadītājiem, tāpat ANO ģenerālsekretāra, Eiropadomes prezidenta un Arābu līgas ģenerālsekretāra, piedalījās arī tādi, varētu teikt, negaidīti starptautiskā procesa dalībnieki kā Armēnijas un Ungārijas premjerministri, Azerbaidžānas un Paragvajas prezidenti. No aicinātajiem samitu ar savu klātbūtni nebija pagodinājis Izraēlas premjers Netanjahu, kā iemeslu minot attiecīgajā dienā atzīmējamus nozīmīgus ebreju garīgos svētkus, un Irānas vadītāji, paziņojot, ka nevar piedalīties kopīgā pasākumā ar tiem, kuri nesen militāri uzbrukuši viņu valstij. Samitā apspriestais Trampa divdesmit punktu Gazas miera plāns paredz joslas demilitarizāciju, tur izvietojamus starptautiskus stabilizācijas spēkus un pagaidu pārvaldes institūciju. Domājams, līdzšinējiem Gazas saimniekiem – teroristiskajam grupējumam „Hamās” – šai sakarā ir no samita rīkotājiem diezgan atšķirīgs viedoklis. Miera prēmija un „lielgaballaivu politika” 10. oktobrī Norvēģijas Nobela komiteja darīja zināmu savu lēmumu piešķirt šī gada Nobela Miera prēmiju Venecuēlas opozīcijas līderei Marijai Korinai Mačado. Nu jau ceturtdaļgadsimtu viņa ir opozīcijā savas dzimtenes valdošajam režīmam – vispirms Ugo Čavesam, pēc tam viņa varas mantiniekam Nikolasam Maduro. Kulmināciju šī pretstāve sasniedza 2023. gadā, kad viņa pieteica savu kandidatūru 2024. gada Venecuēlas prezidenta vēlēšanām. Valdošais režīms aizliedza opozicionārei kandidēt, viņas vietā startēja venecuēliešu politikas veterāns un diplomāts Edmundo Gonsaless. Lai arī opozīcija iesniedza aptauju rezultātus, kas apliecināja tās kandidāta uzvaru, varas kontrolētā Nacionālā vēlēšanu padome pasludināja par uzvarētāju Maduro. Kopš šīm vēlēšanām Marija Mačado spiesta slēpties, baidoties no režīma izrēķināšanās. Līdz ar Nobela komitejas lēmumu noslēgusies arī intriga par iespējamu prēmijas piešķiršanu Donaldam Trampam, kurš to faktiski pieprasīja, darbinādams šai sakarā arī politiskā spiediena sviras. Tomēr tiek lēsts, ka Baltā nama saimnieka ambīciju izpaudumiem bijusi ietekme uz komitejas izšķiršanos. Mačado ir Trampa dabiska sabiedrotā Vašingtonas pašreizējā politiskajā kursā pret Karakasu. Diktators Maduro allaž ir bijis prezidenta Trampa neieredzēts, pie tam tagad par vadmotīvu šai attieksmei kļuvušas apsūdzības narkotiku iepludināšanā Savienotajās  Valstīs. Kopš septembra sākuma amerikāņu jūras spēki uzsākuši t.s. narkolaivu medības Karību jūrā, nogremdēti nu jau vismaz septiņi peldlīdzekļi, nogalināto skaits tuvojas trim desmitiem. Tiek izteiktas versijas par to, ka šīm akcijām varētu sekot citas ar citu bruņoto spēku veidu iesaisti. Par to, cik pamatotas ir apsūdzības narkotiku transportēšanā, grūti spriest, taču nepārprotami tā ir Savienoto Valstu spēka politikas demonstrācija reģionā. Tā nu venecuēliešu opozicionāre Mačado netieši kļuvusi par Donalda Trampa „jaunās lielgaballaivu politikas” atbalstītāju. Sagatavoja Eduards Liniņš.  

Chris Kaminski and Hao Dang discuss the recent Fermi IPO, the implications of AI on the market, and the current state of the housing market. They explore the potential risks and opportunities presented by the AI bubble, the impact of Fed policies on the economy, and the challenges facing first-time homebuyers. The discussion also touches on corporate strategies in the face of economic uncertainty and the evolving landscape of technology investments.We discuss:➡️Fermi's IPO performance raises questions about market valuations.➡️The AI bubble presents both opportunities and risks for investors.➡️Fed policies are crucial in shaping economic stability and growth.➡️The housing market faces significant challenges due to high mortgage rates.➡️Corporate strategies are adapting to changing economic conditions.➡️Investors need to be cautious about valuations in a bubble.➡️AI's revenue model is heavily reliant on consumer subscriptions.➡️The housing market's affordability crisis is worsening for first-time buyers.➡️Market dynamics are influenced by corporate spending and investment strategies.➡️The tech sector's growth is not uniform, with some companies thriving while others struggle.To learn more about us or stay in the loop, visit www.consiliowealth.comDo you work at Microsoft, Amazon, Meta, or Google? Check out our free benefits guidesSubmit a question to team@consiliowealth.comwww.consiliowealth.com/disclosures 

Ir situācijas, kad laicīga diagnostika un efektīva ārstēšana vistiešākajā veidā nozīmē iespēju gan elpot, gan dzīvot. Tā ir arī plaušu fibrozes gadījumos. Kāpēc ir tik svarīgi slimību pamanīt laikus, skaidrojam raidījumā Kā labāk dzīvot. Plašāk stāsta P.Stradiņa klīniskās universitātes slimnīcas Plaušu slimību un torakālās ķirurģijas centra vadītāja p.i., pneimonoloģe, RSU pasniedzēja Zaiga Kravale, P.Stradiņa Klīniskās universitātes slimnīcas radioloģe Ilze Priedīte un Ģimenes ārstu asociācijas pārstāvis Ainis Dzalbs. Kas izraisa plaušu fibrozi? Zaiga Kravale skaidro, ka klasisks riska faktors ir smēķēšana, virkne reimatoloģisku slimību, bet jāņem vērā, ka simptomi ir nespecifiski - pakāpeniski progresējošs elpas trūkums un sauss klepus. Ārste arī atgādina, ka nevaram uztvert elpas trūkumu kā normālu nevienā vecumā. Ilze Priedīte min, ka cilvēkiem parasti, domājot par plaušu diagnostiku, pirmais prātā nāk rentgens. Bet šīs ir slimību grupa, kurai rentgens nederēs, lai konstatētu izmaiņas. Svarīgākā diagnostikas metode ir datortomogrāfija, kur iegūst attēlu, kurā ārsti skaidri redz plaušu bojājumu veidu.

Your finances have layers—investments, taxes, planning for the future. If you want a second set of eyes, Peter opened up a few spots for a quick, no-obligation call. Grab yours now. -----  Tax law shifts can change the best time to recognize income, give to charity, and make big business decisions. This episode unpacks how the “One Big Beautiful Bill Act (OBBBA)” reshapes year-end planning for pre-retirees, equity-comp executives, and business owners—and what still works vs. what to rethink. Listen now and learn: ► How the new charitable-deduction mechanics affect bunching and donor-advised funds ► What the updated SALT landscape means—and when a PTET election may still be worth it ► Where pre-retirees can find Roth-conversion “windows” and how NIIT thresholds influence capital-gain timing ► The big moves for owners and executives—from RSU withholding gaps and ISO/AMT credits to QBI and bonus-depreciation options   Visit www.TheLongTermInvestor.com for show notes, free resources, and a place to submit questions.   (03:08) OBBBA: What Actually Changed in 2025 (Rates, Estate & Gift) (05:29) Charitable Giving After OBBBA: 2% AGI Floor + Pease-Style Haircut (What It Means for DAF Timing) (7:42) SALT Deduction: $40k Cap With a Phase-Down for Higher Incomes (Plus PTET Strategy) (9:14) Social Security Isn't Tax-Free; New Senior Deduction Helps at Lower Incomes (10:11) Timing Still Wins: Why November Is the Last Best Window (and Why 2025 vs. 2026 Is Odd)  (12:33) Pre-Retirees: NQDC Spikes, Roth-Conversion Windows, and Capital-Gains/NIIT Coordination (17:31) Equity Compensation: RSU Withholding Gaps, Concentration Risk, and ISO/AMT Credits (21:34) Business Owners: QBI Permanence, 100% Bonus Depreciation, and Smoother Elections (24:15) PTET: Powerful, But Don't Miss the Payment Deadline (26:05) Often Missed: SEP IRA for Self-Employed Income and Director Fees (27:00) How a Tax-Led Engagement Works (and Why Advisory + Tax Prep Reduces Errors)   Editing and post-production work for this episode was provided by The Podcast Consultant (⁠https://thepodcastconsultant.com⁠)   Disclosure: This content, which contains security-related opinions and/or information, is provided for informational purposes only and should not be relied upon in any manner as professional advice, or an endorsement of any practices, products or services. There can be no guarantees or assurances that the views expressed here will be applicable for any particular facts or circumstances, and should not be relied upon in any manner. You should consult your own advisers as to legal, business, tax, and other related matters concerning any investment. The commentary in this “post” (including any related blog, podcasts, videos, and social media) reflects the personal opinions, viewpoints, and analyses of the Plancorp LLC employees providing such comments, and should not be regarded the views of Plancorp LLC. or its respective affiliates or as a description of advisory services provided by Plancorp LLC or performance returns of any Plancorp LLC client. References to any securities or digital assets, or performance data, are for illustrative purposes only and do not constitute an investment recommendation or offer to provide investment advisory services. Charts and graphs provided within are for informational purposes solely and should not be relied upon when making any investment decision. Past performance is not indicative of future results. The content speaks only as of the date indicated. Any projections, estimates, forecasts, targets, prospects, and/or opinions expressed in these materials are subject to change without notice and may differ or be contrary to opinions expressed by others. Please see disclosures here.

Join Chris Kaminski & Hao Dang as they discuss:➡️Nvidia invests $5B in Intel➡️OpenAI makes $300B commitment to Oracle➡️TikTok buyersTo learn more about us or stay in the loop, visit www.consiliowealth.comDo you work at Microsoft, Amazon, Meta, or Google? Check out our free benefits guidesSubmit a question to team@consiliowealth.comwww.consiliowealth.com/disclosures 

Par tiesībsargu šodien, 18. septembrī, Saeimas sēdē tika apstiprināta Karina Palkova, RSU asociēta profesore, Sociālo zinātņu fakultātes dekāne. Nepilngadīgām personām varētu aizliegt piedalīties pasākumos, kuros tiek popularizētas LGBT idejas un vērtības – šādu normu virza "Latvija purmajā vietā" deputāti. Lai aicinātu Latvijā aizliegt dējējvistu turēšanu sprostos, pie Saeimas atklāta dzīvnieku aizsardzības akcija "Nedēļa sprostā". Līdz ar pirmajiem finansiālajiem ieguldījumiem Ukrainā darbu uzsācis Ukrainas un ASV kopīgi izveidotais Ukrainas Atjaunošanas investīciju fonds. Saeima skatīja likumprojektu par Latvijas pilsonības piešķiršanu pašlaik nepilgadīgajam taekvondo sportistam no Ukrainas Eduardam Cibuļam.

Episode Summary: A tech professional in her 50s had everything planned—enough saved to retire at 55. Just one problem: 80% of her net worth was company stock. Stanley Leong warned her to diversify. She agreed but couldn't bring herself to sell, feeling it would betray the company that made her successful. Then 2008 hit. The stock crashed. Her retirement at 55 vanished—she worked another decade to rebuild.Stanley, a former engineer who survived the 2002 tech crash, now helps tech professionals avoid this exact mistake. After 20 years managing tech wealth, he reveals why brilliant engineers fail at one critical decision: when to sell company stock.About Stanley Leong:  Former IBM and Agilent Technologies engineer turned wealth advisor with 20+ years specializing in tech professionals. After experiencing the 2002 tech bubble firsthand, Stanley transitioned to financial services to help others navigate the unique challenges of tech compensation. Author of "Engineering Your Finances" and expert in RSU diversification, mega backdoor Roth strategies, and tech industry retirement planning. Critical Insights:"Don't fear capital gains. Capital gains means you made money. You want to pay more capital gains than anyone—that means you made more money.""I work with you to avoid that one big mistake." "What mistake?" "I don't know, but it's out there.""The moment I could walk away, work became enjoyable." —Client who achieved financial independenceGrab your copy on Amazon.Support the show

Join Chris Kaminski & Hao Dang as they discuss:➡️The jobs report keeps missing, putting more pressure on the Fed➡️Travel data is slowing➡️Alternatives in 401(k) plansTo learn more about us or stay in the loop, visit www.consiliowealth.comDo you work at Microsoft, Amazon, Meta, or Google? Check out our free benefits guidesSubmit a question to team@consiliowealth.comwww.consiliowealth.com/disclosures 

If you're curious about what it's really like to navigate a multibillion-dollar acquisition deal during a global pandemic, while under intense scrutiny of the Department of Justice, this episode is for you. Jason Pate, Chief Strategy Officer at Plaid, takes us behind the scenes of Visa's $5 billion bid to acquire Plaid and why it ultimately didn't happen. Jason also explains the massive evolution of Plaid from a linking infrastructure company to a thriving network business powering some of the biggest names in fintech. The conversation delves into the company's pivotal moments, including its recent $575 million fundraising round to solve for employee RSU liquidity. Beyond that, Jason shares lessons from his experience, unpacking the importance of understanding a customer's P&L, breaking down how to build durable fintech revenue streams through diversification, and offering candid insights on negotiation, the future of payments, and making big bets to fix something that isn't broken.—LINKS:Jason Pate on LinkedIn: https://www.linkedin.com/in/jason-pate-50735310/Plaid: https://plaid.comCJ on X (@cjgustafson222): https://x.com/cjgustafson222Mostly metrics: —TIMESTAMPS:(00:00) Preview and Intro(01:43) Sponsor – Brex | Aleph | RightRev(06:08) Duke and “I Hate Christian Laettner”(07:45) Jason's Product Development Experience and Career Journey(10:38) The Importance of Understanding Your Customer's P&L(12:41) Plaid's Transition From Linking Infrastructure to Network Business(15:23) Sponsor – Navan | Rillet | Pulley(18:55) Building the Plaid Data Network and Ecosystem(25:41) Friction in Payments: Feature Versus Bug(27:46) The Future of Payments: Check-In Versus Checkout(31:21) Negotiations: Less Like Chess, More Like Marco Polo(35:21) Identifying Gives That Aren't Actually Gives(37:10) Plaid's Unsuccessful Acquisition by Visa(40:45) Being Interviewed by the DOJ During the Pandemic(43:49) Plaid's Recent Raise and the Unconventional Reason for It(47:00) Valuations: Fundraises Versus Sales(48:19) Building an Equity Program When Companies Stay Private Longer(50:48) Multi-Product Diversification: The Key to Durable FinTech Revenue(53:07) When & How To Transition From an Infrastructure to a Network Business(59:03) Jason's Philosophy on Ramping Team Members(1:01:04) Lessons From Roger Federer(1:02:52) Long-Ass Lightning Round: A Career Mistake(1:04:03) Advice to Younger Self(1:04:48) A Helpful Tactic for Negotiations—SPONSORS:Brex offers the world's smartest corporate card on a full-stack global platform that is everything CFOs need to manage their finances on an elite level. Plus, they offer modern banking and treasury as well as intuitive expenses and accounting automation, bill pay, and travel. Find out more at https://www.brex.com/metricsAleph automates 90% of manual, error-prone busywork, so you can focus on the strategic work you were hired to do. Minimize busywork and maximize impact with the power of a web app, the flexibility of spreadsheets, and the magic of AI. Get a personalised demo at https://www.getaleph.com/runRightRev automates the revenue recognition process from end to end, gives you real-time insights, and ensures ASC 606 / IFRS 15 compliance—all while closing books faster. For RevRec that auditors actually trust, visit https://www.rightrev.com and schedule a demo.Navan is the all-in-one travel and expense solution that helps finance teams streamline reconciliation, enforce policies automatically, and gain real-time visibility. It connects to your existing cards and makes closing the books faster and smarter. Visit https://navan.com/runthenumbers for your demo.Rillet is the AI-native ERP modern finance teams are switching to because it's faster, simpler, and 100% built for how teams operate today. See how fast your team can move. Book a demo at https://www.rillet.com/metrics.Pulley is the cap table management platform built for CFOs and finance leaders who need reliable, audit-ready data and intuitive workflows, without the hidden fees or unreliable support. Switch in as little as 5 days and get 25% off your first year: https://pulley.com/mostlymetrics.#Plaid #Fintech #acquisition #fundraise #employeeRSU #BusinessTransition This is a public episode. If you would like to discuss this with other subscribers or get access to bonus episodes, visit www.mostlymetrics.com

 We kick off the show with a look at the week's market action, where a slight uptick in the Consumer Price Index contrasted with a much stronger-than-expected Producer Price Index. With inflation data in focus, markets are now leaning heavily toward the Fed cutting rates at its September meeting. Gen Z is redefining romance, ditching pricey dinners for budget-friendly (and often free) date nights, all while prioritizing savings and paying down debt. But here's the twist: financial stability might just be the ultimate attraction. This week, we'll explore why Gen Z could be the most financially literate generation yet, how cheap dates can still be meaningful, why financial security can be “sexy,” and what it all means for love, independence, and long-term happiness. Meanwhile, Nvidia's explosive rise in the AI chip market has minted millionaires at a jaw-dropping pace as nearly half its employees are reportedly worth more than $25 million. But behind the stock-fueled fortune lies a high-pressure culture some call “golden handcuffs,” where long hours and relentless expectations come with the territory. And speaking of stock compensation, it can be a powerful wealth-building tool, but it's also packed with tricky tax questions. We'll tackle a real-world RSU scenario: If taxes are withheld at grant date, but you won't receive the stock until it vests—and you know you'll retire before some of those shares vest—should you accept them anyway? Or is it smarter to walk away from stock you'll never see? We'll break down how RSUs work, the tax implications, and strategies to consider when your career timeline clashes with your vesting schedule. Join hosts Nick Antonucci, CVA, CEPA, Director of Research, and Managing Associates K.C. Smith, CFP®, CEPA, and D.J. Barker, CWS®, and Kelly-Lynne Scalice, a seasoned communicator and host, on Henssler Money Talks as they explore key financial strategies to help investors navigate market uncertainty. Henssler Money Talks — August 16, 2025  |  Season 39, Episode 33 Timestamps and Chapters 5:31: Slowing Consumer Prices but Hot Producer Prices 17:47: Is Financial Stability the New Love Language? 28:26: From Stock Options to Stress 37:32: When Your Vesting Schedule Outruns Your Career Follow Henssler:  Facebook: https://www.facebook.com/HensslerFinancial/ YouTube:  https://www.youtube.com/c/HensslerFinancial LinkedIn: https://www.linkedin.com/company/henssler-financial/ Instagram: https://www.instagram.com/hensslerfinancial/ TikTok: https://www.tiktok.com/@hensslerfinancial?lang=en X: https://www.x.com/hensslergroup  “Henssler Money Talks” is brought to you by Henssler Financial. Sign up for the Money Talks Newsletter: https://www.henssler.com/newsletters/ 

Join Hao Dang & special guest, Alex Dorell, as they discuss:➡️One Big Beautiful Bill ActTo learn more about us or stay in the loop, visit www.consiliowealth.comDo you work at Microsoft, Amazon, Meta, or Google? Check out our free benefits guidesSubmit a question to team@consiliowealth.comwww.consiliowealth.com/disclosures 

Zāļu lietošanas pārskats īpaši varētu palīdzēt tiem pacientiem, kuriem ir jālieto daudz dažādi medikamenti vienlaikus. Kas ir zāļu lietošanas pārskats un kā pie tāda var tikt, skaidrojam raidījumā Kā labāk dzīvot. Zāļu lietošanas pārskats ir Latvijā jauns farmaceitu sniegtais pakalpojums aptiekā, kas šobrīd tiek īstenots kā pilotprojekts. Kāpēc tās nepieciešams un ko tas dod pacientam, skaidro Latvijas Jauno ārstu asociācijas valdes locekle ģimenes ārste Katrīna Priede, Latvijas Farmaceitu biedrības prezidente, farmaceite Dace Ķikute, pilotprojekta eksperte, RSU maģistra studiju programmas " Klīniskā farmācija" vadītāja, klīniskā farmaceite Inga Gūtmane un pilotprojekta dalībniece, farmaceite Inga Puķe. Dati liecina, ka Latvijā polifarmācija jeb vismaz piecu dažādu zāļu lietošana ikdienā ir sastopama 38,5 % cilvēkiem no visas populācijas, un tas ir augstākais rādītājs Baltijas valstis. Un īpaši izplatīta polifarmācija Latvijā ir vecuma grupā no 75 līdz 84 gadiem. Tas varētu radīt arī reizēm objektīvas grūtības. Vairāku zāļu lietošana ir ikdiena gandrīz pusei Latvijas iedzīvotāju šajā vecuma grupā. Dace Ķikute skaidro, ka šobrīd ir izstrādāts pilotprojekts un farmaceiti jau aptiekās pieņem polifarmācijas pacientus ar jautājumiem un veido cilvēkiem zāļu lietošanas pārskatus individuāli. "Mērķis ir palīdzēt pacientiem ikdienā, kam ir vajadzīgs to zaļu, kuras lieto, pārskats un atjaunināšana," norāda Dace Ķikute. Viņa atzīst, ka cilvēkiem bieži ir neskaidrība par zāļu lietošanu, īpaši, ja to ir vairākas, un tie ir ne tikai jautājumi par zāļu sastāvu un izmaksām, bet arī jautājumi par salāgošanu ilgstoši lietojot. Pilotprojektā ir iesaistīti farmaceiti 50 aptiekās. Pakalpojums pilotprojekta ietvaros ir bez maksas. Pilotprojekta ietvaros ir nosacījums, ka konsultācijām aicina pieteikties pacientus, kuriem ir vismaz divas hroniskas saslimšanas un viņi lieto vismaz piecus recepšu medikamentus. Vēlams būtu, lai zāļu lietošanas periods arī būtu minimums seši mēneši, lai farmaceiti varētu redzēt, vai pakalpojums kaut kā uzlabo zāļu lietošanas vēsturi.  Iepazīties ar pakalpojumu un pieteikties tam var internetā.

Raidījumā plašāk runājam par Amerikas Savienotajām Valstīm, aptverot gan iekšpolitikas jautājumus, gan arī ārpolitikas jautājumus, kā arī beigās diskutējam par Ķīnu. ASV Neatkarības dienas svinības prezidentam Trampam īpašas šogad padarīja "Lielā un daiļā likumprojekta" pieņemšana. Tam gan bijis ne mazums kritiķu, kuru vidū ir arī Īlons Masks. Tikmēr ASV ārpolitikā galveno uzmanību, vismaz mēs Latvijā pievēršam karam Ukrainā, un pēdējā laikā no Trampa mutes izskanējušas šķietami pozitīvas iezīmes Ukrainai - Baltā nama saimnieka neapmierinātība ar Putinu aug un tiek meklētas iespējas arī stiprināt Ukrainas aizsardzības spējas. Kā būs ar darbiem, tas gan ir cits jautājums. Nenoteiktība joprojām valda arī tarifu sāgā. Savukārt Ķīna likusi skaidri noprast, ka tā nevēlas Krievijas sakāvi Ukrainā. Kā Eiropai to uztvert un kā veidot attiecības ar Pekinu laikā, kad sadarbība tirdzniecībā ir būtiska, bet kā ēna turpat blakus redzama Ķīnas militāro muskuļu audzēšana un arvien lielāks atbalsts Krievijas militārajai rūpniecībai? Aktualitātes analizē Sigita Strubera, Latvijas Transatlantiskās organizācijas ģenerālsekretāre, un Kristofers Kārlis Krūmiņš, Austrumeiropas politikas students Džordžtaunas universitātē (ASV), RSU Ķīnas Studiju centra projektu koordinators. „Lielais skaistais” un „trešais dusmīgais” 4. jūlijā, Savienoto Valstu Neatkarības dienā, Baltajā namā notikušo svinību ietvaros prezidents Tramps ar attiecīgu pompu parakstīja savu „Lielo daiļo likumprojektu”, kā viņš pats to dēvē. Līdz ar to šī nodokļu atlaižu un budžeta tēriņu pakete ir ieguvusi likuma spēku. Kā zināms, tas nenācās viegli, jo projekta ietekme uz vairākām nozīmīgām sociālajām programmām un budžeta izdevumu līmeni raisīja iebildumus ne tikai opozicionāros demokrātos, bet arī republikāņu rindās. Kongresa Budžeta birojs lēš, ka Trampa „finansiālā daile” varētu nākamajos desmit gados palielināt Savienoto Valstu budžeta deficītu par vairāk nekā trīs triljoniem dolāru un laupīt valsts apmaksātu veselības aprūpi un atbalstu pārtikas iegādei miljoniem amerikāņu. Projekts paredz padarīt par pastāvīgām nodokļu atlaides, kuras Tramps ieviesa savas pirmās prezidentūras laikā, toreiz uz laiku līdz šī gada nogalei. Šīs atlaides varētu turpmākajos desmit gados samazināt budžetu apmēram par četriem ar pusi triljoniem, bet prezidents ir pārliecināts, ka tās nozīmīgi veicinās ekonomikas izaugsmi. Būtisks pieaugums paredzēts militārajam budžetam, pamatā karakuģu būvei un pretgaisa aizsardzības projektam, prezidenta nodēvētam par „Zelta kupolu”, kā arī Imigrācijas un muitas kontroles dienestam, kurš īsteno Trampa politikas lolojumu – nelegālo ieceļotāju izraidīšanas kampaņu. Tikām uz „Lielā daiļā” stāšanos likumīgā spēkā reaģējis Īlons Masks, kurš jau agrāk bija solījis, ja tas notikšot, viņš dibināšot jaunu politisko partiju. Tā saukšoties Amerikas partija, un tās tuvākais mērķis esot nākamajās Kongresa vēlēšanās iegūt dažas vietas, kas, ievērojot demokrātu un republikāņu spēku samēru likumdevējā, kļūtu izšķiroši svarīgas. Eksperti gan ir visai skeptiski par iespēju nozīmīgi izkustināt nu jau pārsimts gadus cementēto divpartiju sistēmu Savienotajās Valstīs. Makaronu kārējs Vladimirs „Putins mums ir sakarinājis kaudzēm makaronu uz ausīm,” – tā varētu tulkot amerikāņu idiomu, ar kuru Baltā nama saimnieks raksturoja savas attiecības ar agresorvalsts līderi, runājot kabineta sēdē. Šķiet, ugunsgrēku iekrāsotās Ukrainas pilsētu debesis tomēr met savu baiso atblāzmu arī uz Vašingtonu, respektīvi, Kremļa rīcība, pieprasot faktisku Ukrainas kapitulāciju, slepkavojot tās civiliedzīvotājus un paralēli manipulējot ar Savienoto Valstu līderi, sāk nodarīt pārāk pamanāmu kaitējumu Trampa un viņa administrācijas reputācijai. Zināms indikators bija ieroču piegāžu jautājuma līkloči. Pēc pagājušās nedēļas vidū izskanējušās informācijas, ka Savienotās Valstis aptur militāro palīdzību Ukrainai, ciktāl to krājumi esot nepietiekami, un 4. jūlijā notikušās Savienoto Valstu un Ukrainas vadītāju telefona sarunas, pirmdien, 7. jūlijā, Tramps tomēr paziņoja, ka ieroči tikšot piegādāti. Otrdien tika precizēts, ka runa ir par desmit raķetēm pretgaisa aizsardzības sistēmai „Patriot”, kas ir visai pieticīgs daudzums. Tomēr būtiskākais ir tas, ka Savienotās Valstis nav radikāli mainījušas savu pieeju militārā atbalsta sakarā un nav tādējādi kļuvušas par faktisku agresijas atbalstītāju. Ja var ticēt aģentūras „Associated Press” paustajam, ideja par ieroču piegādes apturēšanu patiešām nākusi no Pentagona un bijusi Baltajam namam negaidīta. Vācijas kanclers Frīdrihs Mercs vērsies pie prezidenta Trampa ar lūgumu pārdot viņam vienu „Patriot” iekārtu, lai to tālāk nodotu Ukrainai. Atbilde esot – lai Mercs piegādājot kādu no savā rīcībā esošajām iekārtām, bet Savienotās Valstis esot gatavas dalīt izmaksas uz pusēm. Bet šodien, 9. jūlijā, apritēja arī kārtējais termiņš, kuru Baltā nama saimnieks bija noteicis paaugstinātu ievedmuitas tarifu ieviešanai vairākām valstīm, t.sk. Bangladešai, Indonēzijai, Japānai un Dienvidkorejai, ja netiks panākta tirdzniecības vienošanās. Tomēr vakar prezidents atlika tarifu ieviešanu līdz 1. augustam. Zīmīgi, ka biržas praktiski nav reaģējušas uz pēdējiem Baltā nama saimnieka lēmumiem un izteikumiem tarifu sakarā. Pekina atklāj kārtis Pirms nedēļas Briseli apmeklēja Ķīnas ārlietu ministrs Vans Ji, četras stundas pavadot sarunās ar Eiropas Savienības Augsto pārstāvi ārpolitikas un drošības politikas jautājumos Kaju Kallasu. Sarunu gaitā Ķīnas pārstāvis izrādījās neierasti atklāts, paziņojot, ka Pekina nevarot pieļaut Krievijas zaudējumu karā Ukrainā – tādā gadījumā Savienoto Valstu uzmanība tikšot pievērsta tikai Ķīnai un Klusā okeāna reģionam. Informāciju par šo Ķīnas pārstāvja izteikumu publiskojis laikraksts „South China Morning Post”. Izdevums raksturojis tikšanos kā „četras stundas ilgu debašu maratonu”, kurā puses apmainījušās ģeopolitiskiem un ekonomiskiem pārmetumiem, pie tam Kajai Kallasai nācies uzklausīt pāris sarunu partnera pasāžas lektora stilā. Konkrētais izteikums nācis kā atbilde Eiropas Savienības pārstāves teiktajam, ka Ķīna sniedzot Krievijai konkrētu militāru atbalstu. Atklātība, ar kādu Vans Ji definējis savas valsts pozīciju pašreizējā kara sakarā, ir visai neierasta pat sarunās aiz slēgtām durvīm, un sacītais ir manāma nobīde no Pekinas oficiāli ieturētās neitralitātes. Pāris dienas vēlāk Ķīnas Ārlietu ministrijas pārstāve gan centās mīkstināt situāciju, paužot, ka viņas valsts ir neitrāla šajā konfliktā un, protams, ieinteresēta pēc iespējas drīzā karadarbības pārtraukšanā un situācijas politiskā risinājumā. Ārlietu ministra Vana vizīte Briselē bija veltīta mēneša nogalē plānotā Eiropas Savienības un Ķīnas samita sagatavošanai, kad Eiropas Komisijas prezidente Urzula fon der Leiena un Eiropadomes prezidents Antoniu Košta apmeklēs Pekinu un tiksies ar prezidentu Sji Dziņpinu un citiem Ķīnas Tautas republikas vadītājiem. Sagatavoja Eduards Liniņš.

Executive pay doesn't always make headlines, yet it can offer a surprisingly clear view of a company's next move. Host Ben Silverman sits down with Senior Analyst Amy Pessetto to show how changes in long-term incentives, performance metrics, and option grants may reveal where management is really focused. Sometimes before those priorities turn up on an earnings call.Tickers Discussed: ADT, FSLR, SAMIn this episode, Ben and Amy discuss:Options on the Rise: Why some companies are swapping portions of time-based RSUs for stock options, and what that shift suggests about risk appetite in 2025.First Solar's Comp Mix: A higher RSU weight and a shorter vesting schedule and what the revised package might mean for solar-sector bulls and bears.New CEO, New Metrics: How Boston Beer rewired its incentive plan around revenue growth after handing the reins to a new chief executive.Reading the Fine Print: Practical tips for spotting sandbagging, de-risking, or strategic pivots hidden inside proxy disclosures.From Data to Decisions: A step-by-step way to fold incentive-comp insights into your research process.Edited, mixed, and scored by Calvin Marty.

Doctor Solmaz Samae embodies the power of authenticity in dentistry—someone who speaks her truth with refreshing honesty. From building a successful business empire in Iran to studying dentistry in Latvia at 30, her unconventional journey reveals what happens when passion meets persistence. Now practising across multiple settings whilst building a thriving YouTube presence, Solmaz demonstrates that happiness in dentistry comes from genuinely caring about the patient experience. Her candid reflections on everything from charity work motivations to the challenges of mixed NHS-private practice offer valuable insights for dentists navigating their own paths to contentment and success.In This Episode00:01:40 - Current life satisfaction 00:02:40 - Six-pack goal and fitness routine 00:05:35 - Working across multiple practices 00:10:40 - Corporate versus independent experiences 00:16:05 - Communication versus clinical skills 00:20:15 - YouTube content creation journey 00:23:25 - Persian content and safety concerns 00:28:15 - Facial aesthetics expertise 00:31:05 - Hair loss treatments and personal experience 00:34:50 - Treatment philosophy and patient selection 00:40:45 - Blackbox thinking 00:46:35 - Turbulent journey to dentistry 00:53:50 - Business ventures in Iran 00:55:45 - Studying dentistry in Latvia 01:00:30 - Advantages and challenges of studying abroad 01:11:00 - Vision for dream practice 01:16:25 - Charity work in refugee camps 01:22:25 - Fantasy dinner party 01:24:30 - Last days and legacyAbout Solmaz SamaeDoctor Solmaz Samae is an aesthetic dentist and facial aesthetics practitioner working across multiple practices in London. After building successful businesses in Iran, she pursued dentistry at RSU in Latvia, graduating in 2018. She combines clinical practice with content creation through her Persian YouTube channel and runs a facial aesthetics clinic on Harley Street with her sisters.

Join Chris Kaminski & Hao Dang as they discuss:➡️Who's right? stocks or bonds➡️Inflation keeps coming down, the Fed holds➡️Stablecoin offerings from Amazon & WalmartTo learn more about us or stay in the loop, visit www.consiliowealth.comDo you work at Microsoft, Amazon, Meta, or Google? Check out our free benefits guidesSubmit a question to team@consiliowealth.comwww.consiliowealth.com/disclosures 

Join Chris Kaminski & Hao Dang as they discuss:➡️When do we double dip?➡️DOGE progress undone by One Big Beautiful Bill➡️Reciprocal Tariffs struck down, then not➡️Is the housing market frozen? To learn more about us or stay in the loop, visit www.consiliowealth.comDo you work at Microsoft, Amazon, Meta, or Google? Check out our free benefits guidesSubmit a question to team@consiliowealth.comwww.consiliowealth.com/disclosures 

Join Chris Kaminski & Hao Dang as they discuss:➡️Nothing happened in the market...To learn more about us or stay in the loop, visit www.consiliowealth.comDo you work at Microsoft, Amazon, Meta, or Google? Check out our free benefits guidesSubmit a question to team@consiliowealth.comwww.consiliowealth.com/disclosures 

Should You Cash Out Your 401(k) Retirement Account?In this episode of Techie Personal Finance Bootcamp, we explore the critical question of whether you should withdraw from your 401k. We discuss common reasons for considering a withdrawal, such as emergencies and market fears, and highlight the financial downsides, including taxes and penalties. The episode also covers alternative solutions like 401 (k) loans and emphasizes the importance of informed decision-making to avoid long-term financial stress. 00:00 Intro06:24 10% Penalty07:04 Federal & State Income Taxes08:27 Special ROTH Features To Avoid Penalty and Taxes09:04 Less Resources, Less Time To Build It Back11:53 401 (k) loan alternative13:10 Different Exemption Rules To Be Aware Of14:03 Separation after age 5515:24 Home Equity Loan/ Line of Credit17:20 

Welcome to our Q2 2025 market commentary!Join us as we discuss:➡️Q1 review➡️Cars and tariffs➡️Bonds and interest rates➡️Our outlook➡️Bull case / Bear caseTo stay in the loop on more insights, visit: www.consiliowealth.com/insightsDo you work at Microsoft, Amazon, Meta, or Google? Check out our free benefits guidesSubmit a question to team@consiliowealth.comwww.consiliowealth.com/disclosures 

Join Chris Kaminski & Hao Dang as they discuss:➡️What's going on in markets right now➡️Liberation day and what we think is nextTo learn more about us or stay in the loop, visit www.consiliowealth.comDo you work at Microsoft, Amazon, Meta, or Google? Check out our free benefits guidesSubmit a question to team@consiliowealth.comwww.consiliowealth.com/disclosures 

In this episode we answer questions about RSU's, the Cashflow Ladder, Pension vs LISA and a whole lot more! Shownotes: https://meaningfulmoney.tv/QA6  01:42  Question 1 Hello Pete and Roger. Recently discovered this and am listening to every single episode. Brilliant. I've read a fair amount about the % balance of Equities, Bonds/Gilts and Cash I should have in my retirement pot, based on my age (61). Somewhere in the 40%s for Equities, perhaps. What I am not finding advice on is whether I should include my DB pension in this equation and, if so, how? Do I consider it to be cash? And if so do I use the transfer value or use the predicted annual pension pay-out in some kind of calculation?  Thanks for any clues! Best wishes, Phil 11:14  Question 2 I enjoy listening to your podcasts whilst running and I read your book, recommended to me by a financial advisor friend. I'm 37, and early next year I am likely to get around £220k from some shares I hold in the company I work at. If capital gains tax rises, I guess I'll see, at best, £150k. Any advice on the best place to keep it / invest it for up to 5 years? We plan to then use it to relocate abroad and perhaps set up a lifestyle business such as a B&B. I read about setting up a 'dividend-paying company' which could be useful as it's often accepted as ‘passive income' when moving to another country (potentially Portugal or Cyprus). This holding company could pay out whilst growing the savings through managed investing. Is this a potential option for my money? Many thanks, Faye. 19:14  Question 3 Your recent podcast on Helpful Basics: Self-employment and Side Hustles got me thinking about retirement saving vehicles. Specifically, what is the best investment vehicle for a self-employed basic rate taxpayer; a pension or a stocks & shares LISA for retirement purposes? Personally, I am 44 years old and started a LISA from its inception. I am a homeowner. Is it best to maximise LISA contributions until I am 50 years old, then focus on pension contributions? I have a pension pot of £250k which I am minimally contributing to, preferring to prioritise LISA (and ISA) contributions. I like the idea of the 25% bonus on contributions and tax-free withdrawals, which should complement future pension withdrawals from the pension pot in a tax efficient manner. Any guidance would be greatly appreciated. Best wishes, Adam 23:06  Question 4 Where someone has had a number of jobs over their career then consolidating multiple DC pension pots can seem attractive (to reduce admin and costs etc). However, what sort of benefits/ guarantees can be lost by transferring pensions, in particular are there specific things to be aware of with regard to older stakeholder / with profits pensions? It would be handy to know what to look for and what sensible questions to ask when talking to existing pension providers. Thank you G Locke 32:05  Question 5 Hi Pete and Roger, Loving your podcasts, great content as always. A question to do with retirement cashflow forecast planning. I have been reading an article by an American financial planner named Ty Bernicke. In his article, he asserts that retirees voluntarily spend less as they get older, referencing statistics from US government departments. Is there any equivalent recent research in the UK? Should I use his approach and figures when attempting my own forecast? With very best wishes and thanks again, James Cotterill 37:40  Question 6 Hi both,  Stumbled across your podcast recently and have been binging on the episodes ever since. Very insightful information for an early 30 something year old trying to make better financial decisions, so thank you! My questions is: You often talk about paying off credit card debt before investing, but what if the credit card debt is not excessive and can be managed? What are your thoughts on paying off small amounts off your credit card monthly but also investing monthly, especially if returns on investing is potentially greater than the interest on the debt? Thank you Nathaniel

In this episode of the Personal Finance Podcast Money Q&A, we're going to talk about what is the point of investing in non retirement accounts long term? Today we are going to answer these questions!  Question 1: What is the Point Of Investing in Non-Retirement Accounts Long Term?  Question 2: Why do funds that track the same index have different results day-to-day?  Question 3: How Should I manage my RSU's?  Question 4: What percentage of your portfolio should be in international funds? How Andrew Can Help You:  Don't let another year pass by without making significant strides toward your dreams. "Master Your Money Goals" is your pathway to a future where your aspirations are not just wishes but realities. Enroll now and make this year count! Join The Master Money Newsletter where you will become smarter with your money in 5 minutes or less per week Here! Learn to invest by joining  Index Fund Pro! This is Andrew's course teaching you how to invest!  Watch The Master Money Youtube Channel! , Ask Andrew a question on Instagram or TikTok.  Learn how to get out of Debt by joining our Free Course  Leave Feedback or Episode Requests here.  Thanks to Our Amazing Sponsors for supporting The Personal Finance Podcast. Shopify: Shopify makes it so easy to sell. Sign up for a one-dollar-per-month trial period at  shopify.com/pfp Chime: Start your credit journey with Chime. Sign-up takes only two minutes and doesn't affect your credit score. Get started at chime.com/ Monarch Money: Get an extended 30 day free trial at monarchmoney.com/pfp Thanks to Fundrise for Sponsoring the show! Invest in real estate going to fundrise.com/pfp Indeed: Start hiring NOW with a SEVENTY-FIVE DOLLAR SPONSORED JOB CREDIT to upgrade your job post at Indeed.com/personalfinance Thanks to Policy Genius for Sponsoring the show! Go to policygenius.com to get your free life insurance quote. Right now, my listeners can get a free 2-week trial at 1password.com/PERSONALFINANCE to help secure their growing business. The Rundown by Public.com—your daily financial news podcast. Listen now: The Rundown Podcast Go to joindeleteme.com/pfp20 for 20% off!  Links Mentioned in This Episode:  Pre-Tax or Roth, How to Use Your Emergency Fund, & Building Business Credit - Money Q&A Should I Use My Emergency Fund to Pay Off High Interest Debt? - Money Q&A The 1-3-6 Method For Building & Managing Your Emergency Fund How to Get a Guaranteed 5% Return on Your Emergency Fund - Money Q&A Connect With Andrew on Social Media:  Instagram  TikTok Twitter  Master Money Website  Master Money Youtube Channel   Free Guides:   The Stairway to Wealth: The Order of Operations for your Money  How to Negotiate Your Salary  The 75 Day Money Challenge  Get out Of Debt Fast  Take the Money Personality Quiz Learn more about your ad choices. Visit megaphone.fm/adchoices