Podcasts about rsu

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 

Dr. Arvīds Irmejs šajā sarunā atklāj dzīvību glābjošus faktus par vēzi. Dakteris parāda, kā vēzis attīstās un kā tas kļūst arvien viltīgāks laika gaitā, tāpēc agrīnai diagnostikai un mamogrāfijas metodei ir izšķiroša nozīme, lai glābtu dzīvību un saglabātu dzīves kvalitāti. Pat neliela kavēšanās var dramatiski mazināt izveseļošanās iespējas. Dakteris arī norāda, kā 40% vēža gadījumu ir novēršami ar dzīvesveida izmaiņām.Dr. Arvīds Irmejs ir krūts ķirurģijas virsārsts PSKUS. Viņš ir RSU asociētais profesors, Onkoloģijas un molekulārās ģenētikas institūta direktors. Latvijas ārstu biedrības ceremonijā "Gada balva medicīnā" viņš saņēma balvu "Gada cilvēks medicīnā 2021".Šajā sarunā ārsts stāsta par mūsdienu ārstēšanas iespējām, pateicoties kam 80% sieviešu ar krūts vēzi vairs nav jāuztraucas par krūts zaudēšanu. Dakteris sniedz gan praktisku informāciju par skrīninga iespējām Latvijā, gan emocionālu atbalstu un cerību. Tā ir saruna, kas daudzas sievietes un viņu ģimenes var pasargāt no priekšlaicīgas nāves novēloti konstatēta vēža dēļ.Šīs intervijas saturs ir veidots sociālās kampaņas ietvaros, kas veltīta krūts veselībai. Kampaņa Latvijā tiek organizēta sadarbojoties ar krūts vēža pacientēm, pacientu organizācijām, vēža pacientu atbalsta organizāciju Onkoalianse, vadošajiem ārstiem ķīmijterapeitiem un farmācijas uzņēmumu Novartis.Sarunā pieminētos informācijas avotus un saites atradīsi 228. sarunas lapā.SARUNAS PIETURPUNKTI:00:00 - Agrīnā diagnostika glābj dzīvības00:02 – Iepazīšanās ar Dr. Arvīdu Irmeju00:04 - Krūts slimību centra darbība un komanda00:05 - Darba ikdiena un izmaiņas ārsta karjerā00:06 - Vīriešu krūts vēzis - retāk sastopams, bet tas pastāv00:08 - Ticības loma ārsta darbā, kas Dr. Irmejam dod spēku 00:10 - Pozitīva komunikācija ar pacientiem, kad svarīgi fokusēties uz risinājumiem, nevis sliktākajiem scenārijiem.00:14 - Svarīgi, lai pacients nebūtu viens, saņemot diagnozi.00:19 - Mūsdienu iespējas saglabāt krūti00:22 - Māņticības ietekme uz vēža ārstēšanu00:26 - Komplementārās medicīnas loma - fizisko aktivitāšu, uztura un garīgās veselības nozīme vēža ārstēšanas procesā.00:28 - Dzīvesveida ietekme uz vēža attīstību00:30 - Reproduktīvie faktori un krūts vēža risks00:32 - Garīgās veselības ietekme uz imunitāti un vēža attīstību.00:36 - Traģiskās kavēšanās sekas, kuras var mazināt00:40 - Vēža attīstības process un agrīnas diagnostikas nozīme00:44 - Krūts vēža statistika un jaunāku sieviešu risks, kas jāņem vērā00:45 - Mamogrāfijas pieejamība, valsts apmaksātais skrīnings sievietēm no 50 gadu vecuma un ieteikumi jaunākām sievietēm00:47 - Mamogrāfijas metodes drošības skaidrojums00:48 - Krūts vēža statistika Latvijā00:49 - Agrīna diagnostika var samazināt mirstību par trešdaļu00:51 – Skaidrojums, kādas ir mamogrāfijas priekšrocības pār citām metodēm00:54 - Godīga saruna par mamogrāfijas diskomfortu, kad ieguvumi no šī skrīninga atsver īslaicīgo diskomfortu.01:01 - Kā vīriešiem atbalstīt sievas, māsas, draudzenes krūts veselības pārbaudēs un ārstēšanas procesā01:03 - Pārmantotā vēža risks un ģenētiskās pārbaudes sievietēm01:06 – Interesanti pētījumi par krūšu palielināšanu un vēža risku01:07 - Nākotnes prognozes krūts vēža ārstēšanā, kad prevencija un veselīgs dzīvesveids ir efektīvākie risinājumi01:11 - Kā Dr. Irmejs saglabā līdzsvaru un atjaunojas01:14: Tava svarīgākā fotosesija

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 

Studijā Latvijas Ārpolitikas institūta direktors Kārlis Bukovskis un Ģeopolitikas pētījumu centra direktors, RSU asociētais profesors Māris Andžāns.

Valsts prezidents Edgars Rinkēvičs rosina samazināt slieksni tautas nobalsošanas ierosināšanai. Kā tas ietekmēs sabiedrības līdzdalību valstiski svarīgos procesos, to Krustpunktā vaicājam politiķiem un ekspertiem. Analizē Saeimas Juridiskās komisijas priekšsēdētājs Andrejs Judins (Jaunā Vienotība), Saeimas deputāts Edvards Smiltēns (Apvienotais saraksts), analītikas un vadības grupas "PowerHouse Latvia" direktors, RSU docents Mārtiņš Daugulis, Valsts prezidenta padomniece likumdošanas un starptautisko tiesību jautājumos Kristīne Līce un Latvijas pilsoniskās alianses eksperte pilsoniskās sabiedrības attīstības jautājumos Inese Puriņa. Pirms vairāk nekā 10 gadiem, kad Latvijas krievvalodīgajiem iedzīvotājiem izdevās savākt parakstus, lai rosinātu referendumu par valsts valodas statusa piešķiršanu krievu valodai, mūs pārņēma pamatīgs emociju vilni. Tas ievērojami mobilizēja latviešus, kas arī ar pārliecinošu balsu vairākumu noraidīja šo priekšlikumu. Bet paralēli radās pretestība pret referenduma ideju vispār. Ātri vien deputāti savācās, veica izmaiņas likumā, paceļot daudzkārt augstāk latiņu, cik daudz parakstu nepieciešams, lai vispār rosinātu referendumu. Un kopš tā laika referendumi Latvijā vairs nav arī bijuši. Tagad visu nosaka deputāti. Paraksti gan tiek vākti arī referendumiem, bet nesekmīgi, jo savākt tik daudz parakstus, ļaudīm ejot pie notāra, neizdodas. Un grūti pateikt, vai kādreiz Latvijā kāds referendums vēl notiks. Ja vien  likumos atkal netiks veiktas kādas izmaiņas. Vajadzētu Latvijas tautai uzticēt kaut vai rosināt vairāk izlemt kādus grūtākus jautājums, vai tā ir spējīga lemt? Varbūt tiešām ir drošāk, ka visu nosaka deleģētie tautas kalpi.

Valsts prezidents Edgars Rinkēvičs rosina samazināt slieksni tautas nobalsošanas ierosināšanai. Kā tas ietekmēs sabiedrības līdzdalību valstiski svarīgos procesos, to Krustpunktā vaicājam politiķiem un ekspertiem. Analizē Saeimas Juridiskās komisijas priekšsēdētājs Andrejs Judins (Jaunā Vienotība), Saeimas deputāts Edvards Smiltēns (Apvienotais saraksts), analītikas un vadības grupas "PowerHouse Latvia" direktors, RSU docents Mārtiņš Daugulis, Valsts prezidenta padomniece likumdošanas un starptautisko tiesību jautājumos Kristīne Līce un Latvijas pilsoniskās alianses eksperte pilsoniskās sabiedrības attīstības jautājumos Inese Puriņa. Pirms vairāk nekā 10 gadiem, kad Latvijas krievvalodīgajiem iedzīvotājiem izdevās savākt parakstus, lai rosinātu referendumu par valsts valodas statusa piešķiršanu krievu valodai, mūs pārņēma pamatīgs emociju vilni. Tas ievērojami mobilizēja latviešus, kas arī ar pārliecinošu balsu vairākumu noraidīja šo priekšlikumu. Bet paralēli radās pretestība pret referenduma ideju vispār. Ātri vien deputāti savācās, veica izmaiņas likumā, paceļot daudzkārt augstāk latiņu, cik daudz parakstu nepieciešams, lai vispār rosinātu referendumu. Un kopš tā laika referendumi Latvijā vairs nav arī bijuši. Tagad visu nosaka deputāti. Paraksti gan tiek vākti arī referendumiem, bet nesekmīgi, jo savākt tik daudz parakstus, ļaudīm ejot pie notāra, neizdodas. Un grūti pateikt, vai kādreiz Latvijā kāds referendums vēl notiks. Ja vien  likumos atkal netiks veiktas kādas izmaiņas. Vajadzētu Latvijas tautai uzticēt kaut vai rosināt vairāk izlemt kādus grūtākus jautājums, vai tā ir spējīga lemt? Varbūt tiešām ir drošāk, ka visu nosaka deleģētie tautas kalpi.

Eddie Kalegi, Phil Jaccoma, Nick Hart, Woody Silverstein, Sean Newcomb, Anthony Palumbo, Corinne Lahr, Ellis Gordon, Jay Tomlinson, and Brendan Kelly all weigh in on the thrilling 2025 WRSU-Daily Targum basketball game, where the Targum took down RSU 63-62 at Jersey Mike's Arena.

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 

Join Chris Kaminski & Hao Dang as they discuss:➡️Correction on uncertainty➡️Consumer confidence hits a new low➡️Maleficent 7To 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 

Studijā Ģeopolitikas pētījumu centra direktors, RSU asociētais profesors Māris Andžāns un Vācijas Māršala fonda Ziemeļu novirziena vadītāja Kristīne Bērziņa.

Join Chris Kaminski & Hao Dang as they discuss:➡️Tariffs➡️The top 10% account for 50% of consumer spending➡️Trump trade unwound➡️Consumer confidence 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 

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

Join Chris Kaminski & Hao Dang as they discuss:➡️Trump's FTC➡️Federal worker reduction➡️International stocks beating US➡️RIP US pennyTo 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 

Studijā: Saeimas Nacionālās drošības komisijas priekšsēdētājs Ainars Latkovskis (JV), NBS Zemessardzes štāba virsnieks, majors Jānis Slaidiņš, RSU lektors, analītikas un vadības grupas “PowerHouse Latvia” direktors Mārtiņš Vargulis. Attālināti: Vācijas Māršala fonda Ziemeļu novirziena vadītāja Kristīne Bērziņa un Eiropas Parlamenta deputāts Rihards Kols (NA).

Studijā ārpolitikas pētnieks, politikas zinātnes doktors Mārtiņš Hiršs un Ģeopolitikas pētījumu centra direktors, RSU asociētais profesors Māris Andžāns.

Join Chris Kaminski & Hao Dang as they discuss:➡️Mag 7 earnings expectations (they're high)➡️DeepSeek➡️Tariffs➡️Eggs...again...➡️Amazon exceeds Walmart in revenueTo 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 

Studijā Ģeopolitikas pētījumu centra direktors, RSU asociētais profesors Māris Andžāns un Vācijas Māršala fonda Ziemeļu novirziena vadītāja Kristīne Bērziņa.

Join Chris Kaminski & Hao Dang as they discuss:➡️Predictions from 2024 that were wrong and right➡️Hao's predictions for 2025➡️Chris' predictions for 2025To 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:➡️Record low cash allocation➡️Fed changes its tune on rate cuts➡️Mag 7 still dominating➡️Washington state minimum wageTo 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 

It's another Q&A show, and this week we cover managing finances under an LPA, Maternity pay, and what to do with a big windfall, plus lots more besides! Shownotes: https://meaningfulmoney.tv/QA4  00:58  Big fan of the show. Really appreciate your work. Dad is 92 with rapidly declining health (Dementia and mobility issues). He is still living at home with Mum (80) who is caring for him with family help. At the moment, it is about manageable. I am managing their finances. We have moved the majority of savings into my mum's accounts. I have used up mum's entire ISA allowance for this year. There is still around £38k of savings sitting in a no interest paying Barclays account. Due to their ages, I do not want to tie up the cash for too long, though at this point in time, they do not need to use this money as they are still able to live off my Dad's pension. Can you suggest how I might manage this chunk of cash? Possibly a simple savings account, but I am aware that the interest rates are not exactly brilliant, and I wonder about moving into a GIA instead (I have moderate experience buying/selling shares in my own SIPP and ISA, though I am personally high on the risk curve with investments heavily in MSTR and TSLA). Any advice would be appreciated. Cheers, Rich 05:08  Love the podcast (obviously!), it's genuinely very helpful and has really helped me get my stuff together!!! Not sure if this is something you'd know about but, do you think you would be able to explain to me in your very listenable way, how to work out maternity pay, as in how it's actually calculated and how to plan to make up the difference etc plus anything else that might be helpful that I don't even know that I don't know!! I can't really find what I'm looking for anywhere else so just thought I'd ask as I find your explanations of things easy to understand (and could listen to you chat about anything tbh)!! Thank you! Jess 12:16  Thanks so much for your brilliant podcasts. I love the idea of the question and answer ones! I have a fun question I have been meaning to ask for ages. I keep my contingency fund in premium bonds, and I periodically enjoy a thought experiment, around what I would do if I were to win the big prize of £1 million. (I fully realise this will never happen, but it is a helpful thought experiment to get me thinking about where my priorities lie in case I do receive a much smaller lump sum in the future). I have no bad debts, I have a contingency pot and I contribute to a pension and ISA. My hypothesis is that I would give some to charity (maybe 10%?), might retain 5% for fun – a nice holiday or an upgrade to my car, would max out my ISA and pension,  and then would split the rest between a world index tracker and one or two investment properties. I'm curious to hear your thoughts on this and how you would allocate. Thanks! Justyn 17:52  The mantra is that the most important time to take advice is when nearing retirement. That's certainly true for us now, and my other half sought some regulated advice recently in respect to tax free cash and pension recycling rules. The advice was provided (that it was not tax free cash recycling) & so we are continuing with the plan as discussed  / agreed with the regulated IFA that we contracted the discussion with (we checked the company and the individuals credentials out on the FSA website .. All good). The question is (call me paranoid, but quite a lot of money – for us, is involved) what happens if in due course HMRC come to us and effectively look to impose penalties for us acting in accordance with the regulated advice provided / paid for (ie, they dont agree with it / decide it has broken the recycling rules)? I have no (sane) reason to suggest this will happen, but paranoia is a terrible thing!! Keep up the good work (oh, and Roger as well) Regards, Kevin Milsom 23:02  With UK inflation now only 1.7% (from 16 Oct 24), are we in a very unusual phase were inflation is less than half of the rate you can easily get on savings? This leads onto thinking about investing versus savings – we all invest to try and beat inflation, but we can currently do this easily with no risks via savings accounts. It is a conversation my wife and I are having at the moment! She is  ‘saver' and I am an ‘investor'. Of course we have a good mix of both from all the guidance you have provided. Cheers. Dave Hicklin 27:40  Hello gents! Big fan of the podcast and the YouTube channel. Thanks for everything you do! Question for you – which I realise is pretty niche so you may not want to cover it. I am in the fortunate position of reaching max pension taper threshold (due to a great salary, some even greater RSU awards and an increasing company share-price!). I have some pension contribution carry-forward but will have used this all up by FY26. My employer do a 7% pension contribution if employee contributes 4%. But for those reaching taper threshold, you can opt out and the company will instead just give the 7% on top of your salary (which is very generous!). Thinking ahead, my question is: – Would it be better to: a) take the combined 11% contribution and opt for a scheme-pays for the tax above the £10k allowance when time comes. I am thinking this way I still get a years worth of investment of the pre-tax money before the tax is paid – which might be beneficial? or b) opt out and take the post-tax increase in salary and put this somewhere else? My wife's and mine ISAs will be maxed already, so would have to be GIA most likely (or premium bonds!?). I'm thinking A makes most sense. I still get the £10k tax free and benefit from some further untaxed money working for me for a little while at least. The tax has to be paid either way, but I am delaying it till later. What do you both think? Thanks very much! Paul

Join Chris Kaminski & Hao Dang as they discuss:➡️Earnings buzzword - tariffs➡️FTC and SEC leadership➡️Crypto and M&A➡️Social Security Tax Cuts➡️The state of financial literacyTo 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 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

This episode is a part of Unlocking Loan Solutions with Radian, a micro-learning series for mortgage & real estate professionals, with video, audio, and job aid for each topic. Choose your preferred learning style and take your learning experience to a new level.Watch the VideoDownload the Job AidAll episodesIn this episode, we explore the topic of Restricted Stock Unit (RSU) income and how it may be used towards mortgage qualification. We delve into the definitions, guidelines, and calculation methods used by Fannie Mae and Freddie Mac for this increasingly common form of compensation. We discuss:What are Restricted Stock Units (RSUs) and how do they work?Fannie Mae and Freddie Mac guidelines for using RSU income in mortgage qualificationDifferences between performance-based and time-based RSU vestingDocumentation requirements for RSU income verificationScenarios demonstrating RSU income calculations under different guidelinesResourcesFannie Mae Selling Guide - B3-3.1-09, Other Sources of Income - Restricted Stock Units and Restricted Stock Employment IncomeFannie Mae Selling Guide - B3-3.1-01, General Income Information - Continuity of IncomeFreddie Mac Seller/Servicer Guide - 5303.1, Employed incomeStockopedia - 200 day Moving AverageSign up for Radian National Training Updates© 2024 Radian Group Inc. All Rights Reserved. 550 East Swedesford Road, Suite 350, Wayne, PA 19087. "Radian" is a brand of Radian Group Inc., including its licensed insurance affiliates. Mortgage insurance is provided and underwritten by Radian Guaranty Inc., a wholly owned subsidiary of Radian Group Inc. with home offices at 550 East Swedesford Road, Suite 350, Wayne, PA 19087. Radian Guaranty Inc. is a monoline mortgage insurance company licensed to write business in all 50 states, the District of Columbia and Guam. Radian Group Inc. and its subsidiaries and affiliates make no express or implied warranty respecting the information presented and assume no responsibility for errors or omissions. Redistribution or reproduction of all or part of the contents without Radian's prior written consent is expressly prohibited. Scenarios provided for illustrative purposes only do not constitute a commitment or the guarantee of a specified rate. Determination of eligibility for a particular program or exemption is made by the relevant authority and not by Radian Group Inc. or its subsidiaries and/or affiliates.

In regulatory filings, more details have emerged in Bending Spoons plans to acquire Brightcove, including some terms for employees who stay on with the new company, the number of aggregate shares of company common stock tied to RSU awards, the exact number of Brightcove employees, a disclosure of a "material weakness in internal control over financial reporting,” and other company details. In this special podcast episode, we discuss all the numbers and provide insights into what the deal could mean for Brightcove's future.Podcast produced by Security Halt Media

Join Chris Kaminski & Hao Dang as they discuss:➡️The Trump trade➡️Tax Cuts and Jobs Act round 2➡️Inflation and immigration➡️FTC and SEC leadershipTo 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 

Jackie and Dunlap have been cussin' Trump since 2015. Let's check in on them and see how they been since his historic win.  Get 20 Extra Minutes with Jackie & Dunlap at http://patreon.com/redstateupdate "The Magic Cowboy" courtesy Seth Timbs:   https://sethtimbs.bandcamp.com Red State Update theme "Tasty Sorghum Biscuit" by William Sherry:  https://open.spotify.com/track/74j2AyMM9Qy2VhSQDajhfn   

Join Chris Kaminski & Hao Dang as they discuss:➡️Longshoremen union still holding out➡️Tesla's robo taxi➡️Social Security tax limits for 2025➡️Boeing lays off 10% of workforce➡️High-yield savings dropping like a rockTo 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 

Šajā sarunā neiroimunoloģe Dr. med. Viktorija Ķēniņa stāsta par stresa ietekmi uz imunitāti, mūsu nervu veselību un veidiem, kā varam ikdienā rūpēties par savas iekšējās pasaules higiēnu. Tā ir saruna par pārmaiņām savā dzīvē, par kurām zinām, ka tās mums ir vajadzīgas, bet uz ko pagaidām nevaram saņemties. Daktere piebilda, ka pie neirologiem mēdz nonākt arī pacienti, kuriem citi ārsti nav atraduši veselības sarežģījumu cēloni un veidu, kā viņiem palīdzēt. Daktere Viktorija Ķēniņa ir neirologs, imunologs un virsārste Paula Stradiņa klīniskās universitātes slimnīcas Reto neiroloģisko slimību centrā. 2023. gadā daktere saņēma Latvijas Ārstu biedrības (LĀB) īpašo speciālbalvu “Gada iedvesma”. Viņa ir asociētā profesore RSU.Dakteres specializācija ir neiroimunoloģija. Tā ir medicīnas joma, kas vērsta uz nervu sistēmas un imūnsistēmas savstarpējo mijiedarbību veselības uzturēšanā un slimību izcelsmē. Par šo tēmu viņa kopā ar kolēģiem ir izveidojusi grāmatu “Neiroimunoloģija klīniskajā praksē”. Daktere ir līdzautore grāmatai "Autoimūno slimību ārstēšanas ceļvedis. Ievads integratīvajā un holistiskajā medicīnā".Vairāk informācijas sarunas lapā.SARUNAS PIETURPUNKTI:0:00 Ievads3:52 Vēlme strādāt ar neparastu saslimšanu gadījumiem Paula Stradiņa klīniskās universitātes slimnīcas Reto neiroloģisko slimību centrā9:37 Kas ir pamatā neiroloģiskām saslimšanām13:05 Savas dzīves pārskatīšana kā papildu atbalsts veiksmīgai ārstēšanai15:02 Pēdējo 20 gadu tendence autoimūno slimību jomā16:46 “Mūsu uztverei, mūsu emocionālajam fonam ir ļoti liela nozīme”18:09 Kā palīdzēt jauniešiem, kuru liela daļa dzīvo nopietnā trauksmes stāvoklī20:28 Ir svarīgi trenēties “neķert kreņķi”23:43 “Jebkura autoimūna slimība asociējas ar iekaisumu” – iekaisumu negatīvās puses31:49 Ar ko atšķiras akūta slimība no hroniskas35:12 “Mūsu valstī nav tādas kultūras tikt galā ar emocionālām problēmām tāpat, kā es tieku galā ar rokas lūzumu'41:44 Kā nepieļaut izdegšanu, ja strādā darbu ar augstu stresa līmeni46:31 Dakteres pieredze ar nepatīkamu starpgadījumu darba dzīvē, un kā to varētu vieglāk atrisināt52:17 Higiēna katra cilvēka iekšējai pasaulei. Kā to iemācīt bērniem56:25 Kā cilvēkam pašam saprast, ir viņš trauksmains vai nav1:00:06 Kādu postu cilvēkam nodara hronisks stress, pat ja tas ir neliels1:01:02 Ar ko atšķiras psihiatrs un neirologs, kādos gadījumos izvēlēties vienu vai otru speciālistu1:07:03 “Ar katru gadu arvien vairāk ir slimību, kuras var ārstēt ar terapiju”1:08:57 Nekad nepadoties, jo ir slimības, kuras iepriekš bija neārstējamas, bet šobrīd tās jau tiek ārstētas1:13:26 Kas ir imunoloģija un kādas ir tās iespējas ārstniecībā un profilaksē1:21:00 Ko pēta neiroimunoloģija un kādu slimību ārstēšanā tā var palīdzēt1:27:20 “Ja tu labi zini, kā tev attīstas slimība, tu vieglāk vari pieņemt terapiju”1:28:56 Kad savu lietu mīli tik ļoti, ka vēlies to parādīt visai pasaulei – grāmatas, pie kurām strādājusi daktere Viktorija Ķēniņa

Join Chris Kaminski & Hao Dang as they discuss:➡️AMZN requires employees in office 5 days a week➡️First inflation print after rate cuts➡️META impresses at product launch➡️Jobs blowoutTo 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 

Welcome to our Q4 2024 market commentary!Join us as we discuss:➡️Volatility➡️S&P nearly touches a correction➡️Fed rate cuts➡️The election➡️Our outlookTo 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 

Lasīt ogas, sēņot, ievākt zāļu tējas - tā ir Eiropā nemaz ne tik bieži novērota nodarbe 21. gadsimtā, tomēr latvieši to aizvien piekopj. Vienam tas ir sezonāls peļņas avots, citam - hobijs un relaksācija, vēl kādam gadu no gadu piekopta tradīcija, kas iezīmē gadalaika ritumu. Kā šī tradīcija ievākt savvaļas augus turpinās mūsdienās? Raidījumā Zināmais nezināmajā vērtē sociologs, Rīgas Stradiņa universitātes (RSU) tenūrprofesors Miķelis Grīviņš un RSU Sociālo zinātņu fakultātes vadošā pētniece Jana Kukaine. Pirms sarunas zinātnes ziņas Skatoties, ko šonedēļ atklāj zinātnei veltītās tīmekļa vietnes, var teikt arī labi zināmās lietās var ieraudzīt ko jaunu, un allaž pastāv iespēja vēl ko nezināmu atrast tur, kur it kā viss jau ir atklāts. Matemātiķi aprakstījuši jauna veida formu, kas sastopama dabā Žurnāls “Nature” raksta, ka matemātiķi atklājuši jaunu kategoriju formai, kas redzama dabā, un tās ir tā saucamās “mīkstās šūnas” - formas ar noapaļotiem stūriem un smailiem galiem, kas sader kopā plaknē. Šādas formas ir raksturīgas sīpoliem (šķēsgriezumā to var labi redzēt), moluskiem, tas ir arī veids, kādā sēklas ir “iepakotas” augos. Tātad visai bieži izplatīta parādība dabā, un matemātiķiem interesējis, kā šādas formas aizpilda virsmu divdimensionāli. Mākslīgais intelekts palīdzējis atklāt simtiem seno Naskas zīmējumu Peru tuksnesī Arheologi ir izmantojuši mākslīgo intelektu, lai atklātu simtiem liela mēroga Naskas zīmējumu Peru tuksnesī, un šajos zīmējumos attēlotas tādas figūras kā lamas un nocirstas cilvēku galvas. Arheologi saista šos darinājumus ar Naskas kultūras cilvēkiem, kuri aptuveni pirms 2000 gadu sāka iegravēt zemē šādus attēlus, ko sauc par ģeoglifiem. Šie konkrētie ģeoglifi ir mazāki un vecāki par Naskas līnijām un citām līdz šim atrastajām figūrām, kas attēlo milzīgas, vairāku kilometru garumā izstiepušās ģeometriskas formas, vai savvaļas dzīvniekus, kuru garums ir vidēji aptuveni 90 metri. Jaunatklātajos attēlos parasti ir attēlotas humanoīdu figūras un pieradināti dzīvnieki, kuru garums ir aptuveni deviņi metri.  Hroniskas traumatiskās encefalopātijas agrīnās pazīmes “National Geographic” raksta, ka vairāku gadu garumā pētnieki ir novērojuši 130 bokserus un jauktās cīņas mākslas sportistus, pamanot izmaiņas sportistu smadzeņu tilpumā un kognitīvajās prasmēs, tādā veidā prognozējot hronisku traumatisko encefalopātiju.  Saskaņā ar pētījumu katrs trešais bijušais Amerikāņu Nacionālās futbola līgas sportists uzskata, ka viņam ir neirodeģeneratīvi traucējumi, ko izraisījuši vairāki satricinājumi vai sitieni pa galvu. 

Join Chris Kaminski & Hao Dang as they discuss:➡️The Fed cuts rates by .50%!!!➡️Domino effects of a rate cut➡️Microsoft inks deal to buy energy from Constellation to satisfy AI needsTo 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 

I'm wondering how to handle my future tax liability after my RSU withholding offset goes away. Have a money question? Email us here Subscribe to Jill on Money LIVE YouTube: @jillonmoney Instagram: @jillonmoney Twitter: @jillonmoney "Jill on Money" theme music is by Joel Goodman, www.joelgoodman.com. To learn more about listener data and our privacy practices visit: https://www.audacyinc.com/privacy-policy Learn more about your ad choices. Visit https://podcastchoices.com/adchoices

Join Chris Kaminski & Hao Dang as they discuss:➡️GLP-1 drug usage and impacted industries➡️Bare necessities➡️Taxing unrealized gains➡️Thematic ETFs (watch out)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 

[깊이 있는 경제 뉴스] 1) 새마을금고 PF 부실에 상반기 손실만 1.2조 2) 대기업 7곳, 총수 일가에 주식(RSU) 지급 약정 - 안승찬 언더스탠딩 기자 - 정지서 연합인포맥스 기자 [친절한 경제] 묵시적으로 연장된 전세 계약, 언제까지 지켜야 하나요?

Dave and Ethan discuss Ethan's recent trip to Tulsa, OK to visit locations used in Weird Al's 1989 film UHF for the 35th anniversary. In addition to sharing what the locations look like 36 years after the filming, they discuss tips, tricks and suggestions for anyone planning their own visit to these historic landmarks. ABOUTSince 2019, Dave & Ethan's 2000″ Weird Al Podcast has covered all facets of the life, career, and fandom of “Weird Al” Yankovic. Hosted by Dave “Elvis” Rossi and Ethan Ullman, two Weird Al super fans, collectors, and historians - the podcast aims to spread the joy of Weird Al and his music while digging deep and learning from those who have worked with, or been inspired by, his work. LINKSFollow us on social media, Patreon, and more: https://linktr.ee/2000inchPast episodes available at WeirdAlPodcast.com PODCAST CREDITSIndependently produced, hosted, and created by Dave "Elvis" Rossi and Ethan UllmanTheme song performed by the Grammy Award-Winning Jim "Kimo" WestPodcast logo designed by Heather Malone COPYRIGHT© 2019-2024 | Dave & Ethan's 2000" Weird Al Podcast

Join Chris Kaminski & Hao Dang as they discuss:➡️Companies aren't concerned about the economy➡️Chipotle CEO goes to Starbucks, and gets a remote job➡️The Fed swings dovish & jobs➡️Grocery store gouging 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 Paulette and Lisa for this conversation about the legal and financial aspects of divorce and gain the insight you need to secure just the right match.  Lisa Zeiderman is a high-energy, zealous and relentless advocate for her divorce and family law clients in New York City, Westchester and beyond.  You can rely on her to protect your legal interests, your finances and your children.  Ms. Zeiderman, a Managing Partner, is a Certified Divorce Financial Analyst and Certified Financial Litigator, known for her work on complex litigation regarding financial and custody divorce matters, as well as pre- and post-nuptial agreements in New York City and Westchester County.  She is also very active in her community and civic organizations and has an ongoing media and LinkedIn presence which enables her to put together an interdisciplinary team to ensure each client has access to the top professionals in each discipline they might need as they embark on a divorce. Ms. Zeiderman's recent accolades and activities include:  Awards and peer/client recognitions Crain's New York Business Notable Woman Lawyer for 2022  Crain's New York Notable Diverse Lawyer for 2022  Hudson Valley Best Lawyer in 2022 2021  Best Family Law Attorney for Client Satisfaction by the American Institute of Family Law  Attorneys Super Lawyer in Family Law for 2020, 2021 and 2022  Maintains a 10 rating on Avvo Client Champion for 2019, 2020  Thought leader and author Authors well-read blog for Psychology Today, “Legal Matters: Understanding Mental Health Issues as They Apply to Divorce and Child Custody” Regularly published in The New York Law Journal and Financial Advisor Magazine on topics ranging from changes in New York State law that affect family law, complex litigation, tax issues and child custody.  Is a frequent guest on podcasts discussing divorce, family law, financial matters, and financial empowerment for women.  As a Certified Financial Litigator and founding member of the American Academy of Certified Financial Litigators, Ms. Zeiderman also brings particular experience in complex financial matters, including issues involving complex executive compensation, deferred compensation, restricted stock units (RSU) as well as retirement assets.  Her approach to matrimonial and family law often includes enlisting an interdisciplinary team, including mental health professionals, financial advisors, career counselors and real estate advisors.  This enables her to create an integrated approach for clients and their families going through a divorce that doesn't begin and end with negotiating the settlement agreement.  She also works with cases that involve mental health issues including narcissism and borderline personality, and she regularly consults with mental health professionals on these matters.  https://lisazeiderman.com/ SIGN UP FOR my Better Divorce Blueprint PROGRAM: https://betterdivorceblueprint.com/ WEBSITE - resources for those in need of Certified Divorce Coaching and Private Mediation Services : https://betterdivorceacademy.com/ SOCIAL MEDIA - bit.ly/betterdivorceacademy Buy my book and workbook: Better Divorce Blueprint https://betterdivorceblueprint.com/ RESOURCES - https://betterdivorceacademy.com/reso... AUDIOBOOK FROM AUDIBLE - https://www.audible.com/pd/Better-Div... Are you looking for answers and guidance? BOOK a 30 minute assessment consultation: https://calendly.com/betterdivorceaca... Disclaimer: All statements made in this audio/video are expressions of the opinion of the speaker, and should be regarded as such. The audio/video is made to serve a therapeutic purpose for the speaker or speakers and to assist others in recognizing and dealing with matters in their own lives which they believe may be similar. #divorce #mediation #coaching #lifeafterdivorce #divorcesupport

Join Chris Kaminski & Hao Dang as they discuss:➡️Market selloff...worried?➡️Unwinding the carry trade➡️Fed pause (and blame?)➡️Sahm Rule goes viralTo 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 

URL:  https://www.lpfadvisors.com/   Episode Summary: The information I am providing is my opinion and not necessarily that of my firm or this platform.  I am only providing general educational information and not any customized investment recommendations. You should consult with your Financial Advisor, Tax Advisor or Attorney on your specific situation. Nothing shall be construed as Financial, Tax or legal advice or recommendations.   Collin Habig, a certified financial planner with LPF Financial Advisors, specializes in Moderna stock options and RSU planning. He emphasizes the importance of aligning stock option and RSU decisions with clients' values and long-term goals, providing expert guidance on equity selection, awards vesting, and strategic financial planning. Habig explains that stock options and RSUs are both long-term incentive plans, with stock options allowing employees to buy shares at a fixed price and RSUs being performance-based awards. He stresses the necessity of making these decisions based on financial goals rather than emotions, highlighting the need for a balanced financial plan to avoid common pitfalls and achieve long-term financial security.   Here's what to expect this episode: Understanding the differences between stock options and RSUs is crucial for informed decision-making. Stock options and RSUs vest over time, with exercise prices and tax implications playing key roles. Tax implications for stock options and RSUs differ, affecting financial planning and outcomes. Retirement planning is essential, and advisors like LPF specialize in guiding clients through stock options and RSU planning. Connect with Collin Habig https://www.linkedin.com/in/collinhabig/   Connect with Kris Flammang https://www.lpfadvisors.com/ Learn more about your ad choices. Visit megaphone.fm/adchoices

Join Chris Kaminski & Hao Dang as they discuss:➡️Three stocks drove 50% of S&P gain in the first half of 2024➡️Small caps register 6 months of performance in days➡️Presidential market timing➡️The top performing stock of the last yearTo 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:➡️We're at a 50 year high for concentration on the S&P 500➡️Consumer health check, mostly in good shape➡️The Fed softens stance on rates➡️Election result forecastsTo 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 

Welcome to our Q3 2024 market commentary!Join us as we discuss:➡️The Mag 7 return to dominance➡️Interest rate cuts (still waiting but getting closer)➡️The strong dollar & the consumer➡️Out outlookTo 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:➡️Consumers are running out of steam (or money)➡️Inflation print was as expected➡️The Fed's planTo 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:➡️Commercial real estate delinquencies ➡️Inflation trend, historically speaking➡️It's never a good time to sell➡️Smooth markets over the past 18 monthsTo 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:➡️How does the VIX work?➡️Earnings scorecard: Just say AI➡️Utilities companies benefiting from AITo 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 

(0:00) Intro.(1:17) About the podcast sponsor: The American College of Governance Counsel.(2:03) Start of interview.(3:08) Greg's "origin story." (6:53) From the University of Georgia to Apple in Cuppertino.(10:50) The start of his entrepreneurial journey in 1992 with his first company.(13:03) The boom and bust cyclical nature of Silicon Valley. "[M]y father used to say that the stock market has predicted nine of the last three recessions. And, you know, I think in Silicon Valley, the investor and entrepreneurial class has predicted nine of the last three technology waves."(17:24) His first foray with startup boards. The role and influence of Don Lucas, and Bob Frick (former CFO of BoA), on his board.(21:49) On the shifting power dynamics in founder-investor relationships (ascendance of "founder ethos").(29:02) On the differences between private equity (PE) and venture capital (VC). "Control investors"(31:29) His experience as a director of public companies: Responsys, acquired by Oracle (2013), and Upwork (IPO in 2018).(34:57) On equity comp (stock options and RSUs)  in tech companies. *Reference to BG2 podcast episode.(47:35) IPOs, private markets and secondary markets. *You can check out my newsletter #52 on this topic.(54:24) On his investment in Cornershop (acquired by Uber) and Latin America market.(1:00:58) On AI as the next technology platform shift.(1:03:50)  Books that have greatly influenced his life: Titan: The Life of John D. Rockefeller,  by Ron Chernow (1998)Thinking Fast and Slow, by Daniel Kahneman (2011)Black Boy, by Richard Wright (1945)(1:05:36) His mentors.(1:07:00) Quotes that he thinks of often or lives her life by: "Experience is what you get when you don't get what you want."(1:07:47) An unusual habit or absurd thing that he loves.(1:08:28) The living person he most admires.Greg Gretsch is a Founding Partner and Managing Director of Jackson Square Ventures, an early stage venture capital firm that invests in software businesses. You can follow Evan on social media at:Twitter: @evanepsteinLinkedIn: https://www.linkedin.com/in/epsteinevan/ Substack: https://evanepstein.substack.com/__You can join as a Patron of the Boardroom Governance Podcast at:Patreon: patreon.com/BoardroomGovernancePod__Music/Soundtrack (found via Free Music Archive): Seeing The Future by Dexter Britain is licensed under a Attribution-Noncommercial-Share Alike 3.0 United States License

So you won the lottery - congratulations! After you celebrate, should you rip off the band-aid and convert the entire lump sum payment to a Roth IRA? That's today on Your Money, Your Wealth® podcast 478 with Joe Anderson, CFP® and Big Al Clopine, CPA. Also, Bucky in WA is required to have the same asset allocation in his traditional and Roth 401(k). Joe and Big Al spitball on his options, along with the pros and cons of consolidating retirement accounts for Scott in NC, and they explain the spousal Roth IRA for Rock Rochester in Manistique, MI. Plus, should Scott in Jackson, MS sign up for the state public employees' retirement system or a traditional retirement plan? Can Driving Fast, Loving Life in TX speed away in her Porsche from RSU capital gains? And should she and her hubbs retire abroad? Finally, can Sean in Reno, NV buy a million dollar vacation home in 10 years, and can Jennifer in La Mirada, CA afford to retire after being forced out of a 21-year career? Access this week's free financial resources and the episode transcript in the podcast show notes, and Ask Joe & Big Al On Air for your Retirement Spitball Analysis, at https://bit.ly/ymyw-478 Timestamps: 00:00 - Intro 01:06 - Should We Convert $1.75M Lottery Winnings To Roth? 09:31 - Free Financial Assessment - schedule now 10:38 - Asset Allocation Must Be the Same in 401(k) and Roth 401(k). What to Do? (Bucky, Washington state) 18:08 - Pros and Cons of Consolidating Retirement Accounts (Scott, NC) 23:28 - Spousal Roth IRA Explained (Rock Rochester, Manistique, MI) 27:07 - Traditional Retirement or PERS State Retirement? (Scott, Jackson, MS) 31:00 - Avoiding RSU Concentrated Position and Capital Gains and Retiring Abroad (Driving Fast, Loving Life in TX) 38:43 - Restricted Stock Units (RSU) - read the blog Employee Stock Purchase Plans (ESPP) - read the blog 39:19 - Should We Buy a $1M Vacation Home in 10 Years? We'll Have $12M. (Sean, Reno, NV) 43:11 - Can I Afford to Retire After Being Forced Out of a 21-Year Career? (Jennifer, La Mirada, CA) 49:24 - The Derails

This podcast hit paid subscribers' inboxes on March 26. It dropped for free subscribers on April 2. To receive future pods as soon as they're live, and to support independent ski journalism, please consider an upgrade to a paid subscription. You can also subscribe to the free tier below:WhoBrian Heon, General Manager of Sunday River, MaineRecorded onJanuary 30, 2024About Sunday RiverClick here for a mountain stats overviewOwned by: Boyne ResortsLocated in: Newry, MaineYear founded: 1959Pass affiliations:* Ikon Pass: 7 days, no blackouts* Ikon Base Pass: 5 days, holiday blackouts* New England Pass: unlimited access on Gold tierReciprocal partners:* New England Pass holders get equal access to Sunday River, Sugarloaf, and Loon* New England Gold passholders get three days each at Boyne's other seven ski areas: Pleasant Mountain, Maine; Boyne Mountain and The Highlands, Michigan; Big Sky, Montana; Brighton, Utah; Summit at Snoqualmie, Washington; and Cypress, B.C.Closest neighboring ski areas: Mt. Abram (:17); Black Mountain of Maine (:34); Wildcat (:46); Titcomb (1:05); Attitash (1:05); Cranmore (1:11)Base elevation: 800 feetSummit elevation: 3,150 feet (at Oz Peak)Vertical drop: 2,350 feetSkiable Acres: 884 trail acres + 300 acres of gladesAverage annual snowfall: 167 inchesTrail count: 139 (16% expert, 18% advanced, 36% intermediate, 30% beginner)Lift count: 19 (1 eight-pack, 1 six-pack, 1 6/8-passenger chondola, 2 high-speed quads, 5 fixed-grip quads, 4 triples, 1 double, 1 T-bar, 3 carpets – Sunday River also built an additional triple chair on Merrill Hill, which is complete but not yet open; it is scheduled to open for the 2024-25 ski season – view Lift Blog's inventory of Sunday River's lift fleet.)View historic Sunday River trailmaps on skimap.org.Why I interviewed himWhat an interesting time this is in the North American ski industry. It's never been easier or cheaper for avid skiers to sample different mountains, across different regions, within the span of a single season. And, in spite of the sorry shape of the stoke-obsessed ski media, there has never been more raw information readily available about those ski areas, whether that's Lift Blog's exhaustive databases or OpenSnow's snowfall comparisons and histories.What that gives all of us is perspective and context. When I learned to ski in the ‘90s, pre-commercial internet, you could scarcely find a trailmap without visiting a resort's ticket window. Skimap.org now houses more than 10,000 historic trailmaps for North America alone. That means you can understand, without visiting, what a ski area was, how it's evolved, and how it compares to its neighbors.That makes Sunday River's story both easier and harder to tell. Easier because anyone can now see how this monster, seated up there beyond the Ski 93 and North Conway corridors, is worth the drive past all of that to get to this. The ski area is more than twice the size of anything in New Hampshire. But the magical internet can also show skiers just how much snowier it is in Vermont, how much emptier it is at Saddleback, and that my gosh actually it doesn't take so much longer to just fly to Utah.Sunday River, self-aware of its place in the ski ecosystem, has responded by building a better mountain. Boyne has, so far, under-promised and over-delivered on the resort's 2030 plan, which, when launched four years ago, didn't mention either of the two D-Line megalifts that now anchor both ends of the resort. The snowmaking is getting better, even as the mountain grows larger and more complex. The teased Western Reserve expansion would, given Sunday River's reliance on snowmaking, be truly audacious, transforming an already huge ski area into a gigantic one.Cynics will see echoes of ASC's largess, of the expansion frenzy of the 1990s that ended in the company's (though fortunately not the individual ski areas') extinction. But Boyne Resorts is not some upstart. The narrative of ski-consolidation-doesn't-work always overlooks this Michigan-based company, founded by a scrappy fellow named Everett Kircher in 1947 – nearly 80 years ago. Boyne officials assure me that their portfolio-wide infrastructure investment is both considered and sustainable. If you've been to Big Sky in the past couple of years, it's clear what the company is trying to achieve, even if they won't explicitly say it (and I've tried to get them to say it): Boyne Resorts is resetting the standard for the North American ski experience by building the most modern ski resorts on the continent. They're doing what I wish Vail, which continues to disappoint me in the Midwest and Mid-Atlantic, would do: ensuring that, wherever they operate, they are delivering the best possible version of skiing in that region. And while that's a tough draw in the Cottonwoods (with Brighton, stacked, as it is, against the Narnia known as Alta-Snowbird), they're doing it in Michigan, they're doing it in the Rockies (at Big Sky), and they're doing it in New England, where Loon and Sunday River, especially, are transforming at superspeed.What we talked aboutRain, rain, go away; deciding to close down a ski resort; “seven inches of rain and 40-degree temperatures will eat snowpack pretty quick”; how Sunday River patched the resort back in only four days; the story behind the giant igloo at the base of Jordan; is this proof of climate change or proof of ski industry resilience?; one big advantage of resort consolidation; the crazy New England work ethic; going deep on the new Barker 6 lift; why Sunday River changed plans after announcing that the old Jordan high-speed quad would replace Barker; automatic restraint bars; the second Merrill Hill triple and why it won't spin until the 2024-25 ski season; the best part about skiing Merrill Hill; how Jordan 8 has transformed Sunday River; why that lift is so wind-resistant; the mountain's evolving season-opening plan; the potential Western Reserve expansion; potential future lift upgrades; carpet-bombing; 2030 progress beyond the on-snow ski experience; whether the summer bike park could return; the impact of the Ikon Pass on skier visits; Mountain Collective; the New England Pass; and making sure local kids can ski.  Why I thought that now was a good time for this interviewJordan 8. Barker 6. Merrill Hill. A December rainstorm fit to raise Noah's Ark. There is always something happening at Sunday River. Or, to frame it in the appropriate active voice: Sunday River is always doing things.New England, in its ASC/Intrawest late 1980s/1990s/early 2000s frenzy, built and built and built. Sugarbush installed five lifts, including the two-mile-long Slide Brook Express, in a single summer (1995). Killington built two gondolas and two high-speed quads in a three-year span from 1994 to '97. Stratton sprouted two six-packs and two fixed-grip quads in the summer of 2001. And Sunday River, the most earnest manifestation of Les Otten's ego and ambitions, multiplied across the wilderness, a new peak each year it seemed, until a backwater with a skiable footprint roughly equal to modern Black Mountain, New Hampshire had sprawled into a videogame ski kingdom at the chest-thumping pinnacle of Northeast skiing.And then not a lot happened for a really long time. ASC fell apart. Intrawest curdled. Most of the ski area infrastructure investment fled west. Stowe, then owned by AIG, kept building lifts, as did the Muellers (Okemo), and Peak Resorts (at least at Mount Snow and Crotched). One-offs would materialize as strange experiments, like the inexplicable six-pack at Ragged (2001) and the Mid-Burke Express at remote and little-known Burke Mountain (2011). But the region's on-mountain ski infrastructure, so advanced in the 1990s, began to tire out.Then, since 2018 or so, rapid change, propelled by numerous catalysts: the arrival of western megapasses, a Covid adrenaline boost, and, most crucially, two big companies willing to build big-time lifts at big-time ski areas. Vail, since kicking New England's doors open in 2017, has built a half-dozen major lifts, including three six-packs, across four ski areas. And Boyne Resorts, flexing a blueprint they first deployed at western crown jewel Big Sky, has built three D-line bubble lifts, installed two refurbished high-speed quads (with another on the way this summer), unveiled two expansions, and teased at least two more across its four New England ski areas. It doesn't hurt that, despite a tighter regulatory culture in general, there is little Forest Service bureaucracy to fuss with in the East, meaning that (Vermont's Act 250 notwithstanding), it's often easier to replace infrastructure.Which takes us back to Sunday River. Big and bustling, secure in its Ikon Pass membership, “SR,” as the Boyne folks call it, didn't really have to do anything to keep being busy and important. The old lifts would have kept on turning, even if rickety old Barker set the message boards on fire once every two to three weeks. Instead, the place is, through platinum-plated lifts and immense snowmaking upgrades, rapidly evolving into one of the country's most sophisticated ski areas. If that sounds like hyperbole, try riding one of Boyne's D-line bubble lifts. Quick and quiet, smooth as a shooting star, appointed like a high-end cigar lounge, these lifts inspire a sort of giddiness, an awe in the up-the-mountain ride that will reprogram the way you think about your ski day (even if you're too cynical to admit it).But it's not just what Sunday River is building that defines the place – it is also how the girth of the operation, backed by a New England hardiness, has fortified it against the almost constant weather events that make Northeast ski area operation such a suicidal juggling act. The December rainstorm that tore the place into pieces ended up shutting down the mountain for all of four days. Then they were like, “What?” And the lifts were spinning again.What I got wrongOn the old Jordan quadHeon mentioned that the future of the old Jordan high-speed quad was “to be determined.” We recorded this in January, before Pleasant Mountain announced that they would use the bones of Jordan as their new summit lift, replacing a fixed-grip triple chair that was starting to get moldy.On relative sizeI said that Merrill Hill was Sunday River's smallest peak by vertical drop. But the new Merrill Hill lift rises 750 vertical feet, while Little Whitecap sports a 602-foot vertical drop.On the New England PassThe prices I gave for New England Gold Passes ($1,350 early-bird, $1,619 final price), were for the 2023-24 ski season. Since then, 2024-25 passes debuted at $1,389 early-bird ($1,329 renewal), and currently sell for $1,439 ($1,389 renewal).I also said that the New England Pass didn't include Pleasant Mountain access. What I meant was that the pass only provides unlimited access to Sunday River, Sugarloaf, and Loon. But the full pass does in fact include three days at Pleasant Mountain, along with each of Boyne's other six ski areas (Boyne Mountain, The Highlands, Big Sky, Brighton, Summit at Snoqualmie, and Cypress). Skiers can also add on a Pleasant Mountain night pass for $99 for the 2024-25 ski season.We also refer to the Platinum New England Pass, which the company discontinued this year in favor of a kind-of build-your-own-pass structure – skiers can add an Ikon Base Pass onto the Gold Pass for $299 and the Pleasant Mountain night pass for $99.Why you should ski Sunday RiverThe most interesting ski areas, to me, present themselves as an adventure. Wild romps up and over, each new lift opening a new set of trails, which tease yet another chairlift poking over the horizon. Little unexpected pockets carved out from the whole, places to disappear into, not like one ski area but like several, parallel but distinct, the journey seamless but slightly confusing.This is the best way I can describe Sunday River. The trailmap doesn't really capture the scale and complexity of it. It's a good map, accurate enough, but it flattens the perspective and erases the drama, makes the mountain look easy. But almost the first thing that will happen at Sunday River is that you will get lost. The seven side-by-side peaks, so distinct on the map, blend into one another on the ground. Endless forests bisect your path. You can start on Locke and end, almost inexplicably, at the tucked-out-of-sight North Ridge quad. Or take off from the Barker summit and land at the junction of Aurora and the Jordan double, two lifts seemingly planted in raw wilderness that will transport you to two very different worlds. Or you can exit Jordan 8 and find yourself, several miles later, past a condo city and over a sequence of bridges, at the White Cap lodge, wondering where you are and how you got there.It's bizarre and brilliant, like a fully immersive game of Mouse Trap, a wild machine to lose yourself in. While it's smaller and shorter than Sugarloaf, its massive sister resort to the north, Sunday River, with its girth and its multiple base areas, can feel bigger, especially when the whole joint's open. That also means that, if you're not careful, you can spend all day traversing from one lift to the next, going across, rather than down, the fall lines. But ski with purpose and focus – and a map in your pocket – and Sunday River can deliver you one hell of a ski day.Podcast NotesOn Sunday River 2030Boyne is intentionally a little cagey on its 2030 plans, versions of which are in place for Loon, Sugarloaf, Summit at Snoqualmie, Boyne Mountain, The Highlands, and Sunday River. The exact content and commitments of the plans changes quite a bit, so I won't try to outline them here. Elsewhere in the portfolio, Big Sky has a nearly-wrapped 2025 plan. Brighton, entirely on Forest Service land, has a masterplan (which I can't find), but no 2030 commitment. Pleasant Mountain is still relatively new to the company. Cypress is in Canada, so who knows what's going on up there. I'll talk about that with the mountain's GM, Matt Davies, in June.On the December stormHeon and I discuss the December rainstorm that brought up to seven inches of rain to Sunday River and nearby Bethel. That's, like, an incredible amount of water:Heon spoke to local reporters shortly after the resort re-opened.On the AlpinigluSomehow, this party igloo that Sunday River flew a team of Euro-sculptors in to create survived the insane flooding.On Hurricane Irene and self-sufficiency in VermontNew England has a way of shrugging off catastrophic storm damage that is perhaps unequaled on planet Earth. From The New York Times, just a few months after Hurricane Irene blasted the state in 2011:Yet what is truly impressive about the work here is not the amount of damage, or even the size of the big boy toys involved in the repair. Instead, it is that 107 is the last stretch of state road that Vermont has not finished repairing. In the three months since Hurricane Irene, the state repaired and reopened some 500 miles of damaged road, replaced a dozen bridges with temporary structures and repaired about 200 altogether.Vermont's success in repairing roads while keeping the state open for tourism is a story of bold action and high-tech innovation. The state closed many damaged highways to speed repairs and it teamed with Google to create frequently updated maps_ showing which routes were open. Vermont also worked in cooperation with other states, legions of contractors and local citizens.While many Americans have come to wonder whether the nation has lost the ability to fix its ailing infrastructure or do big things, “they haven't been to Vermont,” said Megan Smith, the state's commissioner of tourism and marketing.State roads, which are the routes used most by tourists, are ready for the economically crucial winter skiing season. But Vermont had many of those roads open in time for many of the fall foliage visitors, who pump $332 million into the state's economy each year, largely through small businesses like bed and breakfasts, gift shops and syrup stands. Within a month of the storm, 84 of the 118 closed sections of state roads were reopened, and 28 of the 34 state highway bridges that had been closed were reopened. …How did they get so much done so quickly? Within days after the storm hit on Aug. 28, the state had moved to emergency footing, drawing together agencies to coordinate the construction plans and permits instead of letting communications falter. National Guard units from eight states showed up, along with road crews from the Departments of Transportation from Maine and New Hampshire, and armies of private contractors. The attitude, said Sue Minter, Vermont's deputy secretary of transportation, was, “We'll do the work and we'll figure out how we're paying for it, but we're not waiting.”On Barker 6When Sunday River announced that they would build the Jordan 8 chair in 2021, they planned to move the existing Jordan high-speed quad over to replace the POS Barker detach, a Yan relic from the late ‘80s. Eventually, they changed their minds and pivoted to a sixer for Barker. The old Jordan lift will now replace the summit triple at Pleasant Mountain next year.On Kircher and redistributionWhen Boyne Resorts CEO Stephen Kircher joined me on the podcast in November 2022, he explained the logic behind replacing the Jordan quad with an eight-pack, even though that wasn't a traditionally super busy part of the resort (14:06):On the expansions at Loon and SugarloafSunday River sister resorts Loon and Sugarloaf both opened expansions this ski season. Loon's was a small beginner-focused pod, a 500-vertical-foot add-on served by a carpet-loaded fixed quad that mainly served to unite the resort with a set of massive parking lots on the mountain's west end:Sugarloaf's West Mountain expansion was enormous – the largest in New England in decades. Pretty impressive for what was already the second-largest ski area in the East:On the Mountain Collective in the NortheastHere's the Mountain Collective's current roster:Sunday River would make a lot of sense in there. While the coalition is mostly centered on the West, Stowe and Sugarbush are past members. Each mountain's parent company (Vail and Alterra, respectively), eventually yanked them off the coalition, leaving Sugarloaf as the sole New England mountain (Bromont and La Massif de Charlevoix have since joined as eastern complements). I ask Heon on the podcast whether Sunday River has considered joining the collective.On the Community Access PassWe discuss Sunday River's Community Access Pass, which is:“a season pass scholarship for students that reside and attend school in the MSAD 17, SAD 44, and RSU 10 School Districts. Students grades Pre-K through 12 are eligible to apply. This pass will offer free daily access to the Sunday River slopes, and also comes with a complimentary membership to the Sunday River Ski and Snowboard Club. Students must meet certain economic qualifiers to apply; further details about the criteria are available on the pass application. Students have until November 15 to apply for the program.”Apply here.On Brian's last appearance on the podcastHeon last appeared on the podcast in January 2021:Current Sunday River President Dana Bullen has also been on the pod, way back on episode 13:On Merrill Hill and the new lift locationHere's an approximate location of the new Merrill Hill lift, which is built but not yet operational, and not yet on Sunday River's trailmap:The Storm explores the world of lift-served skiing year-round. Join us.The Storm publishes year-round, and guarantees 100 articles per year. This is article 21/100 in 2024, and number 521 since launching on Oct. 13, 2019. This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit www.stormskiing.com/subscribe

Not all compensation takes the form of a cash salary or bonus. Today, many startups and most of the companies on the Fortune 500 list allow their employees to take ownership in the company through stock awards, employee stock purchase plans, stock options, or some other form of equity compensation. Despite this boom of employee ownership offerings, employee education and familiarity around these offerings appears to be falling behind.On this episode of Financial Decoder, host Mark Riepe is joined by Stacie Sands, a director on Schwab's Stock Plan Services team and a Certified Equity Professional. Together they unpack equity compensation, the forms it takes, and how to navigate the decisions that come with it.Financial Decoder is an original podcast from Charles Schwab. For more on the series, visit schwab.com/FinancialDecoder. If you enjoy the show, please leave us a rating or review on Apple Podcasts.Important DisclosuresThe information provided here is for general informational purposes only and should not be considered an individualized recommendation or personalized investment advice. The investment strategies mentioned here may not be suitable for everyone. Each investor needs to review an investment strategy for his or her own particular situation before making any investment decision. All expressions of opinion are subject to change without notice in reaction to shifting market conditions. Data contained herein from third-party providers is obtained from what are considered reliable sources. However, its accuracy, completeness, or reliability cannot be guaranteed. Examples provided are for illustrative purposes only and not intended to be reflective of results you can expect to achieve.Past performance is no guarantee of future results, and the opinions presented cannot be viewed as an indicator of future performance.All corporate names and market data shown above are for illustrative purposes only and are not a recommendation, offer to sell, or a solicitation of an offer to buy any security. Supporting documentation for any claims or statistical information is available upon request.Please note that this content was created as of the specific date indicated and reflects the author's views as of that date. It will be kept solely for historical purposes, and the author's opinions may change, without notice, in reaction to shifting economic, business, and other conditions.​Diversification and asset allocation strategies do not ensure a profit and cannot protect against losses in a declining market.Fixed income securities are subject to increased loss of principal during periods of rising interest rates. Fixed income investments are subject to various other risks including changes in credit quality, market valuations, liquidity, prepayments, early redemption, corporate events, tax ramifications, and other factors.Lower rated securities are subject to greater credit risk, default risk, and liquidity risk.The Schwab Center for Financial Research is a division of Charles Schwab & Co.Stock Plan Services provides equity compensation plan services and other financial services to corporations and employees through Charles Schwab & Co., Inc. (“Schwab”). Schwab, a registered broker dealer, offers brokerage and custody services to its customers.(0224-KU0N)