Podcasts about rsu

Andrew, Ben, and Tom discuss Google's $80 billion equity raise to fund AI infrastructure CapEx through mandatory convertible preferred stock, Class A and C common stock, and an at-the-market offering, Berkshire Hathaway taking a $10 billion stake at a discount, the administrative shift to corporate cash for employee RSU tax obligations, the broader AI cash crunch with $80 billion of SpaceX stock and Anthropic's IPO filing hitting the market, and which hyperscaler MSFT, ORCL, META, or AMZN could be next to raise.Join our live YouTube stream Monday through Friday at 8:30 AM EST:http://www.youtube.com/@TheMorningMarketBriefingPlease see disclosures:https://www.narwhal.com/disclosure

This episode of Talking Real Money examines why financial advice so often turns into emotional debate instead of productive problem-solving. Don and Tom discuss how investors routinely underestimate spending, cling emotionally to employer stock, and defend strategies like dividend chasing, covered calls, crypto, or gold despite decades of evidence favoring diversified investing. They answer a listener question about aggressively paying down a 6.625% adjustable-rate mortgage versus maintaining liquidity, warn about commissioned advisors circling employees receiving RSU payouts, and correct a previous mistake regarding Roth employer matches under Secure 2.0 legislation. Along the way, the hosts mix humor, blunt honesty, and personal stories about why changing financial behavior is far harder than simply explaining the math.0:05 Are listeners looking for advice, validation, or just an argument?0:58 “Two old white guys waiting to die on a podcast” and why changing investor behavior is so difficult1:24 Basis points complaints and arguing over financial terminology2:21 Why financial planning conversations often become debates3:16 Most people underestimate how much they actually spend4:04 Net income minus savings equals spending, whether you admit it or not4:59 Growing up arguing in big families and learning debate skills early5:53 Emotional attachment to employer stock and concentration risk6:19 Microsoft, Enron, Washington Mutual, and the danger of loyalty investing7:02 Why many individual stocks underperform for long stretches7:42 Covered calls, dividend strategies, and belief in “secret” investing systems8:16 Why Don and Tom remain skeptical of crypto, gold, and speculative investing9:16 Their investing philosophy comes from peer-reviewed academic research, not hunches10:17 If you call for portfolio help, don't expect automatic validation11:23 Listener Jim asks whether to aggressively pay down his adjustable-rate mortgage12:17 Extra principal payments versus saving cash to pay off the mortgage later13:12 Why a 6.625% mortgage changes the payoff math14:35 Liquidity concerns versus the emotional appeal of being debt-free15:06 Mortgage recasting explained and reducing future interest costs17:39 Regret over not refinancing during ultra-low-rate years18:10 Why peace of mind sometimes outweighs financial optimization18:50 “Paper argues badly” and the transition into listener emails18:59 RSU sharks circling a listener with a large restricted stock payout19:48 Wealth managers aggressively targeting employees cashing out company stock20:47 Warning signs of commissioned annuity sales disguised as “help”21:48 Why concentrated company stock remains risky even after huge gains22:24 Recalling the advisor who openly admitted to a 10% annuity commission22:41 Retirement quiz follow-up and correcting a Roth 401(k) mistake23:01 Secure 2.0 technically allows Roth employer matches in 401(k)s24:09 Why most employers still don't offer Roth matching contributions24:36 Tax uncertainty and the value of maintaining both Roth and pre-tax accounts25:33 Tom admits he occasionally tells players when he missed a call as a referee26:05 Encouraging listeners to argue, ask questions, and engage with the show27:02 Offering free portfolio consultations without annuity sales pressure27:39 Joking about becoming annuity salesmen after all these yearsQuestions? Comments? Click!

Welcome to Top of Mind with Consilio Wealth! Chris Kaminski and Hao Dang discuss the latest CPI report, the confirmation of Kevin Warsh as the new Fed Chair, and what it could mean for interest rates, inflation, and the housing market. They also explore a proposed SEC rule that could reduce company earnings reporting and what that means for investors.We discuss: ➡️ Hot CPI data and sticky inflation ➡️ Kevin Warsh and the Fed's path on interest rates ➡️ Housing market gridlock and mortgage rates ➡️ A proposed shift from quarterly to semiannual earnings reports ➡️ What all of this means for markets and investorsTo 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 

Hokeja spēle, vēlēšanu debates, vakcinācija vai ekonomika – par šādiem jautājumiem viedoklis teju visiem, nereti visskaļāko pauž tie, kuri var lepoties ar visniecīgākajām zināšanām konkrētajā jomā. Psiholoģijā tam pat ir īpašs apzīmējums – Daninga - Krīgera efekts. Vai pašpārliecība mūs padara par ekspertiem un vai tiesa, ka, jo zinošāki kļūstam, jo grūtāk mums formulēt savu viedokli un vēlme paust savu nostāju mazinās? Raidījumā Zināmais nezināmajā analizē Latvijas Universitātes profesors Ivars Austers un filozofs, publicists, Latvijas Universitātes Humanitāro zinātņu fakultātes Filozofijas un ētikas nodaļas asociētais profesors Artis Svece. Kā valsts vara var ietekmēt sabiedrības paradumu maiņu veselības jautājumos Zināms, ka noteiktā vecuma grupā mums ir iespējams veikt valsts apmaksātu krūts, dzemdes kakla un zarnu vēža skrīningu. Jau vairākus gadus ik palaikam tiek rīkotas dažādas veselības veicināšanas kampaņas, kur piedāvā bez maksas pārbaudīt šo vai citu mūsu orgānu darbību. Ir cilvēki, kas ar prieku to izmanto, ir ļaudis, kas sūdzas par it kā neestētiskiem uz uzbāzīgiem reklāmas plakātiem ielās. Teju ikviens mūsdienās zina, ka ir jāēd veselīgāk, vairāk jākustas, smēķēt ir kaitīgi. Tāpat zinām, rindas uz izmeklējumiem ir jūdzēm garas un slimnīcas ir pārpildītas. Bet kurš veids ir labākais, lai vienlaikus pabukņītu, neizkaitinātu un pamudinātu cilvēku rūpēties par savu veselību, tā teikt, pamatlīmenī, to pēta samērā jauna zinātnes joma - veselības komunikācija. Rīgas Stradiņa universitātes docētāja veselības komunikācijā Vita Savicka stāsta, kāpēc cilvēki uzskata, ka pietiek ar labām domām, lai atvairītu slimību, kā īsziņa telefonā varētu pamudināt doties uz veselības pārbaudi un vai picas dāvināšana veicināja potēšanos pret Covid? Sākumā Vita Savicka stāsta par to, kādi uzrunāšanas veidi pastāv, lai mudinātu cilvēkus  pārbaudīt veselību. Veidi, kā mudināt mūs pašus rūpēties par savu veselību, ir vairāki. Ir tikai jautājums, kurš no tiem der dažādiem ļaudīm dažādās vidēs. Mēģinājumi uzrunāt pilnveidojas un attīstās un šobrīd RSU notiek darbs pie jauna veselības komunikācijas veida "Ar īsziņu pret zarnu vēzi". -- Maijā ir īstais laiks ieklausīties dziedātājstrazda dziesmā. Par dziedātājstrazdu stāsta bioloģijas doktors un Latvijas Ornitoloģijas biedrības pārstāvis Oskars Keišs.

Electrolux annuncia il dimezzamento della produzione e 1700 esuberi, con chiusura dello stabilimento di Cerreto d'Esi. Sentiamo Nicola Salsano di UILM Ancona, lavoratore proprio dello stabilimento interessato e componente della RSU.Oggi trasmettiamo in diretta da Bologna in occasione della prima edizione di Research to Innovate Italy, evento dedicato all'innovazione e alla collaborazione tra imprese, ricerca e territori, promosso dalla Conferenza delle Regioni e delle Province Autonome e organizzato dalla Regione Emilia-Romagna e Art-ER. Ci raggiunge nel nostro studio mobile all'Ex Gam Vincenzo Colla, Vicepresidente della Regione Emilia-Romagna con delega a Sviluppo economico e green economy, Energia, Formazione professionale, Università e ricerca.Hantavirus: arrivano le linee guida del Ministero. Altri tre contagi tra i passeggeri. Con noi Roberta Villa, medico, giornalista e divulgatrice scientifica, autrice della newsletter "Fosforo e miele" su Substack.

Welcome to Top of Mind with Consilio Wealth! Chris Kaminski and Hao Dang break down a week of conflicting market signals—from strong Big Tech earnings and aggressive AI spending to a housing market stuck in neutral. They explore the growing disconnect between fundamentals and market reactions, the persistence of a K-shaped economy, and what it all means for investors navigating today's environment.We discuss: ➡️ Big Tech earnings beats—and why markets didn't reward them ➡️ AI spending surge and questions around monetization ➡️ Diverging performance within the “Magnificent 7” ➡️ A frozen housing market with rising supply and weak demand ➡️ The impact of interest rates on buyers and sellers ➡️ Consumer resilience at the high end (Amex data insights) ➡️ Auto pricing, tariffs, and what's really driving costs ➡️ Why market behavior isn't always rationalTo 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 

No dažām slimībām un to izraisītajām sekām var pasargāt tikai vakcinācija. Kādi jauni izraisītāju veidi parādās pasaulē un kā cīņai ar tiem izmanto vakcīnas, interesējamies raidījumā Kā labāk dzīvot. Skaidro Imunizācijas valsts padomes priekšsēdētāja, Rīgas Stradiņa universitātes (RSU) profesore Dace Zavadska, Latvijas Ģimenes ārstu asociācijas prezidente Alise Nicmane-Aišpure un RSU docētāja žurnāla "Medicus Bonus" redaktore Aija Kažoka.

Welcome to Top of Mind with Consilio Wealth! Chris Kaminski and Hao Dang continue the conversation on private credit, breaking down new data, CEO commentary, and what's actually happening beneath the headlines. They unpack default rates, redemption trends, and the growing gap between strong and struggling managers, while challenging the narrative that the entire asset class is under stress. The episode also touches on market behavior, speculative AI trends, and emerging risks around data center expansion.We discuss: ➡️ CEO perspectives from BlackRock and Franklin Templeton ➡️ Default rates, non-accruals, and what the data really shows ➡️ Fund flows, redemptions, and where capital is moving ➡️ Why manager selection matters more than ever ➡️ Media narratives vs. actual market conditions ➡️ The Allbirds AI pivot and speculative market behavior ➡️ Data center pushback and implications for AI growthTo 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 

Noslēdzies visaptverošs pētījums par Latvijas iedzīvotāju veselību - monitorings par cilvēka organismā sastopamajām kaitīgām ķīmiskajām vielām. Rezultāti nav unikāli Eiropai, taču ataino mūsdienu dzīvesveida paradumus, tostarp plasmatasas, kā arī pesticīdu un smago metālu klātbūtni mūsu dzīvē. Kādi izskatāmies uz Eiropas fona un kādas sekas mūsu veselībai var radīt šīs vielas? Raidījumā Zināmais nezināmajā analizē Rīgas Stradiņa universitātes (RSU)  Darba drošības un vides veselības institūta direktors Ivars Vanadziņš, RSU Darba drošības un vides veselības institūta pētniece Lāsma Akūlova un RSU Darba drošības un vides veselības institūta pētniece Linda Matisāne. Ivars Vanadziņš saka paldies visiem Latvijas iedzīvotājiem, kas atsaucās arī pēc pētnieku stāstiem raidījumā Zināmais nezināmajā un iesaistījās pētījumā. Runājot par to, ko atklāj pētījuma rezultāti, pētnieki atzīst, ka viens no pārsteidzošākajiem atklājumiem ir, ka Latvijas iedzīvotāju organismā ir kokteilis ar ļoti daudz un dažādām ķīmiskām vielām. Turklāt katram cilvēkam tas kokteilis ir diezgan individuāls.  "Mēs kopumā noteicām nedaudz vairāk kā simts dažādas vielas cilvēku asinīs un urīnā, gan sākotnējās vielas, ko mēs uzņemam, gan tās vielas, kas organismā pārveidojas, metabolītus. Kopumā secinājumi ir tādi, ka vidējais vielu skaits ir 43 no 103," atklāj Linda Matisāne.  Tāpat daļa vielu cilvēka organismā nav konstatēta, jo to koncentrācija bija zem laboratoriju iespējām noteiktās attiecīgās vielas. "Pētījuma nākotne vai turpinājums ir ne tikai vākt papildus paraugus, noteikt citas vielas, bet arī skatīties, kā attīstās dažādas laboratorijas iespējas noteikt [vielas]. Iespējams, ja mēs pēc 10 gadiem analizēsim šo pašu cilvēku paraugus ar citām laboratorijas metodēm, mēs atklāsim vēl kādas vielas," turpina Linda Matisāne. Pētījums atklāj, akrilamīds ir konstatēts visiem dalībniekiem, savukārt bisfenoli un daudzu pesticīdu līmeņi Latvijā ir zemāki vai līdzīgi Eiropas vidējam rādītājam.  "Akrilamīds, kas konstatēts visiem pētījuma dalībniekiem, ir viens no blakus produktiem, kas rodas degšanas procesā, cepšanas, fritēšanas, grauzdēšanas procesā. Mūsu paradumi, kā mēs gatavojām ēdienu un ko mēs ēdam, un arī protams, smēķēšana jāpiemin un grilēšana," skaidro Ivars Vanadziņš. Linda Matisāne norāda, ka nevajadzētu domāt, ka nedrīkst cept. Svarīgi nepārcept. Nav jākrīt galejībās. "Neaicinām šašliku tvaicēt, bet cept saprātīgi," atzīst Ivars Vanadziņš. Mājaslapā "biomonitorings.lv" var iepazīsties ar kaitīgajām vielām un tur cilvēki varēs pieteikties arī turpmākajiem pētījumiem.   Iepazīstam viduslaiku Rīgu No 13. gadsimta sākuma par politiskiem, ekonomiskiem un kultūras dzīves centriem kļuva mūra aizsargātās pilsētas. Tas bija jauns apdzīvotības tips salīdzinājumā ar dzelzs laikmeta kopienu dzīves centriem pilskalniem, un Latvijas teritorijā tas parādījās līdz ar ienācējiem no Rietumeiropas. Tādējādi šeit mainījās sabiedrības struktūra un zināmā mērā arī etniskais sastāvs, jo ienācēji pamatā nāca no vāciski runājošām zemēm un bija tendēti uz tirdzniecību un ienesa jaunas amatniecības prasmes. Par šīm pārmaiņām stāsta Latvijas Nacionālā vēstures muzeja ekspozīcijas “Straumējot laiku” 3. sadaļa “Pilsētas mūri vieno”, un šodien piestāsim tajā. Pieturvietā vispirms tiekamies ar muzeja pētnieci, vēstures doktori Mārīti Jakovļevu, kura izceļ būtiskākās pilsētu iezīmes. Pilsēta, no vienas puses, bija sadalīta dažādās sabiedrības kārtās, bet, no otras puses, tā sevi āreji reprezentēja kā kopiena, un viens no reprezentācijas elementiem bija zīmogs. Ekspozīcijā aplūkojami vairāku pilsētu zīmogu nospiedumi – Jaunjelgavas, Kuldīgas, Aizputes, Cēsu, Limbažu, Jelgavas, Grobiņas, Rīgas. Turpat līdzās zīmējums ar pilsētas galvenās iestādes – rātes – sēdi, ļaujot iepazīt tās hierarhiju un amatus. Sudraba saktas, gredzeni un jostas – ar šādiem grezniem priekšmetiem rotājušies pilsētnieki, un daļu no šīm bagātībām atklāj ekspozīcijas stends. Vēl viens vēsturisks dārgums skatāms izvelkamā atvilktnē, un tas ir birģera zvērests. Lai kļūtu par birģeri un baudītu tiesības gūt ienākumus no savas nodarbošanās, saņemt sociālo atbalstu un citus labumus, pretendentam bija jādod uzticības zvērests. Un vēl bija visas kopienas zvērests, ko tā nodeva politiskajai varai svinīgā ceremonijā rātslaukumā, bet no 17. gadsimta birģeri apliecināja zvēresta tekstu arī ar saviem parakstiem. Ekspozīcijā redzams Rīgas birģeru zvērests Zviedrijas karalim Kārlim XI ar Lielās ģildes locekļu parakstiem.  Viduslaiku pilsētā notika aktīva tirgošanās, un kur tirgošanās, tur nauda. Rakstītie avoti liecina, ka monētu kaltuve Rīgā atradusies Lielās un Mazās Monētu ielas stūrī. Ļoti konkrētas un taustāmas pēdas gan par to atrodamas tikai dokumentos, ne vairs Rīgas ielās, bet, staigājot pa pilsētu, varam iztēloties, kā šajā vietā šķindējušas monētas. Par naudas kalšanu plašāk gatava stāstīt muzeja Numismātikas nodaļas vadītāja Anda Ozoliņa.

Car insurance premiums are up 30% and most people have no idea they have the power to push back. This episode gives you that power in 10 steps.

Financial decisions often seem straightforward until the details start to matter. Are you making the right moves with taxes, savings, and long-term planning, or just following default choices without realizing the impact? In this episode, Iván Watanabe and Evan Wohl walk through real client questions in a rapid-fire format. They cover RSU taxation, retirement account choices, and how to think about future tax exposure. They also explore saving strategies, diversification, and how to evaluate major financial decisions. Throughout the conversation, they share practical ways to avoid common pitfalls and stay aligned with long-term goals. Key takeaways: Why RSU withholding often falls short and how that leads to unexpected tax bills at filing time How to think through Roth vs traditional contributions based on income growth and tax expectations The importance of saving at least 20 percent of gross income and tracking it consistently How concentration risk builds when compensation and investments rely on the same company Why financial decisions should align with cash flow, not just income or assumptions about affordability And more! Connect with Iván Watanabe: Opus Private Client, LLC  iwatanabe@opus-pc.com LinkedIn: Iván Watanabe YouTube: OPUS Private Client, LLC Connect with Evan Wohl: Opus Private Client, LLC  ewohl@opus-pc.com  LinkedIn: Evan Wohl YouTube: OPUS Private Client, LLC

Studijā Ģeopolitikas pētījumu centra direktors, RSU asociētais profesors Māris Andžāns un LU profesore, LATO valdes priekšsēdētājas vietniece Žaneta Ozoliņa.

In this episode of Journey Beyond Divorce, Karen McMahon sits down with Stacy Francis, CFP®, CDFA®, CES™, President and CEO of Francis Financial, to unpack one of the most complex and often overlooked aspects of divorce: executive compensation. When income extends beyond a traditional paycheck to include RSUs, stock options, deferred bonuses, and long-term incentive plans, the financial landscape of divorce becomes significantly more complicated—and the stakes much higher. Together, Karen and Stacy explore how these "golden handcuffs" function and why they are so frequently misunderstood, undervalued, or even missed entirely during divorce proceedings. They dive into how executive compensation is structured, where disclosure gaps tend to occur, and how to identify these assets through key documents like offer letters, vesting schedules, and compensation statements. Stacy also explains how marital versus separate property is determined using time-based calculations tied to the date of divorce, and why timing, vesting schedules, and tax implications can dramatically impact the outcome of a settlement. This conversation brings clarity to critical decisions, including whether to divide future vesting shares or offset their value with other assets, and highlights a common and costly mistake around who is responsible for taxes on RSU income. Karen and Stacy also discuss real-world complications like job changes, buyouts of unvested compensation, and what happens to these assets in the event of death or disability. Throughout the episode, they emphasize the importance of working with experienced legal and financial professionals who understand high-net-worth divorce and complex compensation structures. Whether you are an executive navigating divorce or a spouse trying to understand the full financial picture, this episode offers essential insights to help you avoid costly mistakes, ensure proper disclosure, and make informed decisions that protect your long-term financial future. Connect with Stacy: Website: https://francisfinancial.com/francis_team/stacy-francis/ Facebook: https://www.facebook.com/FrancisFinancialInc/  Instagram: https://www.instagram.com/francisfinancialinc/ YouTube: https://www.youtube.com/channel/UCjYgEJi2EhaCd1pL58V78iA?view_as=subscriber Free Gift:  We have seen first-hand the impact that a detailed Legacy Plan has on our clients and their loved ones. This experience inspired us to create our Legacy Planning Checklist. To make it easier, we've created a three-part Webinar which will take you through the checklist step by step to make sure you finish with confidence. Each session is hosted by Certified Financial Planners™ Stacy Francis and Natalie Colley, who share practical guidance, real examples, and tools to help you build your personalized legacy plan with clarity and confidence. Gift Link: https://francisfinancial.com/because-i-love-you-a-legacy-planning-companion/   Resources Mentioned in this Episode: Follow JBD on Instagram: @journey_beyond_divorce Book a Free Rapid Relief Call: http://rapidreliefcall.com Free Divorce Support Network Gift: https://divorcesupportnetwork.com/jbdpod

If the financial headlines feel overwhelming, Wes Moss and Christa DiBiase help bring things back into focus. This episode of the Retire Sooner Podcast ties real listener questions to long-term investing principles, offering context to support more informed decision-making. • Examine why many Americans feel financially behind while weighing the risks often associated with higher-risk areas such as crypto, meme stocks, options trading, and sports betting—and the behavioral pull of comparison-driven investing. • Evaluate pension choices by comparing lump sum payouts versus lifetime income streams in the context of longevity, income needs, and personal financial goals. • Understand how dividends may factor into total return and how reinvestment has historically contributed to long-term investment outcomes. • Assess how to use proceeds from a home sale by balancing debt reduction, investment opportunities, and liquidity for future flexibility. • Explore investment options often considered more conservative, such as Treasury money markets and short-term bond ETFs, while recognizing trade-offs between stability, income, and interest rate risk. • Differentiate between fixed annuities and CDs by reviewing guarantees, liquidity considerations, and how each may fit within a broader retirement income strategy. • Take a fresh look at your portfolio by balancing different time horizons, being mindful of taxes, and thoughtfully managing RSU stock (Restricted Stock Units) with an emphasis on diversification. Listen and subscribe to the Retire Sooner Podcast for more educational conversations about financial decisions and the world around them. Learn more about your ad choices. Visit megaphone.fm/adchoices

Welcome to Top of Mind with Consilio Wealth! Chris Kaminski and Hao Dang dive into the latest developments in private credit, unpacking the growing disconnect between publicly traded funds and their underlying illiquid assets. They break down what recent redemption spikes really mean, why liquidity mismatches matter, and how investor behavior is shaping the narrative. The conversation also explores what's actually working in today's market, the rotation away from big tech, and the buzz around a potential SpaceX IPO and shifting valuations.We discuss:➡️ The risks of putting illiquid private credit into liquid, publicly traded wrappers➡️ What recent redemption spikes signal—and what the data actually shows➡️ How retail investor behavior is impacting private credit markets➡️ What sectors are outperforming in 2026 and why➡️ The rotation away from mega-cap tech into “old economy” stocks➡️ Big Tech valuation resets and whether this is a buying opportunity➡️ SpaceX IPO speculation and the challenges of accessing private investmentsTo 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 Top of Mind with Consilio Wealth! Chris Kaminski and Hao Dang break down the recent surge in private credit headlines, separating fear from fundamentals. They explore how the asset class works, why it has grown rapidly, and what's driving concerns around rising redemptions, liquidity constraints, and potential defaults—especially in software-focused lending amid AI disruption. The conversation also touches on broader market pressures, including rising oil prices, inflation concerns, and the Fed's rate outlook.We discuss:➡️ What private credit is and how it fits into the financial system➡️ Why redemptions and “gating” are making headlines➡️ The role of retail vs. institutional investors➡️ AI's impact on software companies and loan risk➡️ Leverage inside private credit funds and systemic concerns➡️ Recent moves from major players like Blackstone➡️ What rising defaults could mean going forwardTo 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 

Send us a text and chime in!In 2023, Mohave County was just one of eight nationwide recipients of federal Advanced Transportation Technology and Innovation (ATTAIN) program grant funds to deploy state-of-the-art technologies to improve traffic safety. The County received [post_excerpt] million ATTAIN funding, and the County secured 0,000 in Arizona SMART funds that fulfilled the County's federal grant match requirement. The combined federal/state funding enabled Mohave County to install one of, if not the first, Stop Sign Gap Assist (SSGA) systems in the United States at eleven highway intersections. Each system assembly consists of two video-based traffic detectors, a roadside unit (RSU), and a solar panel... For the written story, read here >> https://www.signalsaz.com/articles/mohave-county-leads-with-new-traffic-technology/Check out the CAST11.com Website at: https://CAST11.com Follow the CAST11 Podcast Network on Facebook at: https://Facebook.com/CAST11AZFollow Cast11 Instagram at: https://www.instagram.com/cast11_podcast_network

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

In Season 7, Episode 9 of the Expat Mortgages Podcast, Jeremy Harper and James Ridley discuss the RBA's February 2026 decision to raise the cash rate to 3.85% and what it means for Australian expats with mortgages or property plans in Australia. They explain how lenders responded with higher variable and fixed rates, the impact on borrowing capacity, and the key economic forces shaping the market, including inflation pressures, strong regional property growth, rising rents, and slowing building approvals. The episode also answers a listener question from an Australian expat working for Apple in New York about whether RSU income can be used for lending purposes when applying for a mortgage in Australia while living overseas. Relevant Links: • The Expat's Handbook available for pre-order - atlaswealth.com/resources/the-exp…working-overseas/ • Upcoming Seminars & Webinars – atlaswealth.com/events • Facebook Group – Join the Australian Expat Financial Forum: facebook.com/groups/AustralianExpatFinancialForum • Ask Atlas – Submit your questions for the podcast: atlaswealth.com/news-media/austra…ian-expat-podcast • Expat Chat Podcast – atlaswealth.com/news-media/austra…pat-chat-podcast/ • Weekly Recap Podcast – atlaswealth.com/news-media/atlas-…kly-recap-podcast If you enjoy the content, let us know by giving the episode a thumbs up and subscribing. Feel free to share your feedback or questions in the comments below. About Atlas Wealth Group: Atlas Wealth Group was established to meet the growing demand from Australian expats for professional financial guidance. We specialise in providing tax, financial planning, wealth management, and mortgage services to Australian expats around the world. Whether you're based in Asia, the Middle East, Europe, or the Americas, our team has the expertise to help you manage your global financial journey. To learn more, visit www.atlaswealth.com Connect with us: Facebook: www.facebook.com/atlaswealthmgmt LinkedIn: www.linkedin.com/company/atlas-wealth-management X: www.x.com/atlaswealthmgmt Instagram: www.instagram.com/atlaswealthgroup Youtube: www.youtube.com/atlaswealthmgmt

In this episode of ThimbleberryU, we dig into why tax season can feel particularly overwhelming for tech professionals and how to approach it with less stress and more predictability. We focus on the common sources of tax complexity, equity compensation and bonuses, and offer a simple framework for making tax season less dramatic and, ideally, boring.We start by exploring how tech income is rarely just a paycheck. When restricted stock units (RSUs), employee stock purchase plans (ESPPs), bonuses, or job changes are layered on top of a base salary, tax situations become more complex. These types of income show up in chunks and are taxed differently, often creating withholding gaps and surprises at filing time. Most payroll systems handle base salary well, but they may fall short when irregular income is involved.We walk through how RSUs are taxed at vesting, and how withholding often underestimates what's truly owed, especially for higher earners. ESPPs add another wrinkle: taxes are triggered when shares are sold, not purchased, and withholding is often absent entirely. And bonuses, while taxed as regular income, are frequently withheld at flat rates that don't match the recipient's tax bracket. This leads to confusion and contributes to the myth that bonuses are taxed more heavily.Throughout the conversation, we emphasize that withholding is NOT the same as actual tax owed, and that tax visibility (not perfection) is the real goal. We suggest starting the year by forecasting equity and bonus income, applying a rough tax rate, and comparing that to projected withholdings. If there's a gap, it's not a problem; it's a signal to adjust.We share real client examples, showing how a lack of planning around year-end RSU vests led to surprise tax bills. A few proactive steps, like setting aside cash when equity vests or bonuses hit, can prevent financial strain. We encourage creating a running file of key documents, such as vesting summaries, pay stubs, and equity sale confirmations, to simplify reporting and planning.Finally, we outline a system for turning tax planning into a repeatable habit: review compensation annually, capture documents in real time, run a mid-year check, and coordinate with financial and tax professionals before tax returns are finalized. The message is clear. Calm comes from process, not hope. With the right approach, taxes can feel manageable, even boring. And in this case, boring is a very good thing.(00:00) – Intro: Why Tax Season Feels Overwhelming(01:40) – The Hidden Complexity of Tech Income(03:00) – Where Tax Risk Typically Shows Up(04:00) – How RSUs and ESPPs Are Taxed(07:00) – The Bonus Tax Withholding Myth(09:00) – Estimating Tax Exposure (Visibility > Precision)(10:26) – A Real-World Tax Surprise Story(12:32) – Gathering Tax Documents Throughout the Year(14:45) – Managing Cash Flow from Equity & Bonuses(17:43) – Building a Repeatable Tax Planning System(19:17) – Final Thoughts: Calm Comes from Process 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/

Welcome to Top of Mind with Consilio Wealth! Chris Kaminski and Hao Dang discuss the latest market developments, from AI-driven layoffs and tech partnerships to geopolitical tensions and their impact on the economy. They break down Block's major job cuts and whether AI is truly driving workforce changes, explore Apple's partnership with Google's Gemini model to power new AI features, and examine rising oil prices as conflict in Iran rattles global markets.We discuss:➡️ Block layoffs and the debate around AI replacing jobs➡️ Apple partnering with Google's Gemini for AI-powered Siri➡️ Mixed signals from recent U.S. jobs data➡️ Rising oil prices and market reactions to the Iran conflict➡️ The growing role of prediction markets in global eventsTo 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 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/

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.

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： 

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

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

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 

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 

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