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Send us a textRetirement expert Matt Ruttenberg walks through 5 real-world business scenarios and how to choose the smartest retirement plan for each. Whether you're flying solo or managing a growing team, this episode breaks down IRA, SEP, SIMPLE, 401(k), and advanced options in a simple way… Plus, how to take advantage of powerful tax credits.
Is This The Reality Check We All Needed?Layoffs. Shrinking margins. Policy gut punched. If you've been wondering how the solar industry will make it through this, hang tight - I've got a 20+ yr veteran who's seen enough dips & turns on the SolarCoaster to provide ample insight.Barry Cinnamon returns to SunCast for a brutally honest conversation with Nico Johnson about what's unraveling in the solar and storage space—and what smart companies are doing to stay ahead.From Capitol Hill chaos to customer acquisition woes, this conversation covers the unfiltered landscape of 2025's solar rollercoaster. If you're feeling the pressure to pivot, cut back, or just survive, you're not alone.Expect to learn:
Running To Safe Harbor When Storms of Life Come (winning the down days of dementia _ alzheimer's or just life in general) #safe #safeharbor #winning #dementia #alzheimers #storms #jesus #aimingforjesus #hollismcgehee Thank you for listening, our heart's prayer is for you and I to walk daily with Jesus, our joy and peace aimingforjesus.com YouTube Channel https://www.youtube.com/@aimingforjesus5346 Instagram https://www.instagram.com/aiming_for_jesus/ Threads https://www.threads.com/@aiming_for_jesus X https://x.com/AimingForJesus Tik Tok https://www.tiktok.com/@aiming.for.jesus
Beautiful piece featuring Jessica Gates. Be blessed!
Congress is cancelling over $1 billion in pre-approved funding for public broadcasting. The funding cuts threaten local news and educational programming across Pennsylvania. Workers who rely on tips are being advised to pay attention to their taxes this year. A "no tax on tips" provision is part of the federal tax cut and spending bill recently signed into law. Workers who get voluntary tips - not service fees - may benefit from claiming both cash and credit card gratuities on their taxes. Under current law drivers in Pennsylvania are only required to display one license plate, on the rear of their vehicle. But a state lawmaker will soon introduce legislation to change that. The owner of Lancaster County hydro-electric plants at Holtwood and Safe Harbor has agreed to sell Google massive amounts of electricity generated by the Susquehanna River dams to power some Google data centers. The 20-year, $3 billion agreement is between Google and Canadian owners Brookfield Asset Management. Lancaster and Lebanon Counties are in talks for a long-term solution for hazmat services. Much is still unknown about the restoration efforts at the Governor's Residence in Harrisburg, following an April arson attack that severely damaged part of the Front Street mansion. We explore what we know—and don’t know. Support WITF: https://www.witf.org/support/give-now/See omnystudio.com/listener for privacy information.
MONEY FM 89.3 - Prime Time with Howie Lim, Bernard Lim & Finance Presenter JP Ong
Markets are anything but predictable right now. Central banks are pulling in different directions, inflation’s uneven, and geopolitical risks are on the rise. So, how can investors protect their portfolios without sacrificing yield? Short-term interest rate strategies might just be the smart middle ground. On Wealth Tracker, Hongbin Jeong speaks to Angus Hui, Deputy CIO and Head of Fixed Income at Fullerton Fund Management, for a breakdown of why these flexible, liquid approaches are gaining attention and what it means for your investments.See omnystudio.com/listener for privacy information.
What do you do when your life changes in an instant?When Donna Kendrick lost her husband to suicide, she was left standing at a painful crossroads – three young kids, a new house, and a future she could no longer picture. But by the light of a backyard bonfire, she made a vow: this would not be the end of her story.In this honest and deeply human conversation, Donna shares how she navigated grief, rebuilt her life, and created a purpose-filled path for her family. Through heartbreak, she discovered strength she didn't know she had – and now, she's helping others do the same.You'll hear how she:Told her children the truth with compassion and created space for real griefRebuilt a career that now helps widows and families through financial transitionFound love again and blended two families into one sarcastic, supportive householdListen to Donna's full story and the moment she chose to keep going – with grit, purpose, and heart.Donna Kendrick is a CERTIFIED FINANCIAL PLANNER™ practitioner and founder of Sephton Financial. After losing her first husband suddenly in 2013, Donna navigated widowhood with three young children, inspiring her to support families in transition through financial planning. She is the host of the Wisdom and Wealth Podcast and author of A Guide to Widowhood and A Guide for Blended Families. Donna is also an avid long-distance runner who, through her running group, raises funds for causes such as Safe Harbor, a grief counseling program for children. She lives in Jenkintown, PA, with her husband Jim and their six children.✨ Don't leave your loved ones without answers. Get instant access to a complimentary personal document locator and on-demand webinar at sephtonfinancial.com/webinarResourcesTo listen in on more conversations about pivotal moments that changed lives forever, subscribe to The Life Shift on Apple Podcasts or wherever you listen to podcasts. If you enjoyed this episode, please take a moment to rate the show 5 stars and leave a review! ⭐️⭐️⭐️⭐️⭐️Access ad-free episodes released two days early: https://patreon.com/thelifeshiftpodcastSubscribe to The Life Shift Newsletter: https://www.thelifeshiftpodcast.com/newsletter/The Life Shift was just named one of the top 60 life-changing podcasts by FeedSpot: https://podcast.feedspot.com/life_changing_podcasts/Connect with me: Instagram: @thelifeshiftpodcast Facebook: The Life Shift Podcast YouTube: Watch on YouTube Twitter: @thelifeshiftpod LinkedIn: The Life Shift on LinkedIn Website: www.thelifeshiftpodcast.comSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.
Sarah Raaii and Rachel Stauffer join Julia Grabo to discuss a key virtual care provision from the recently passed One Big Beautiful Bill Act, including its impact on patients, employers, and the state of virtual care policy at large.
Join Kim Sweers, The Boat Boss, and Rick Thomas for this end-of-June roundup in the world of yachting. In this episode of Yachting Unplugged, the duo reflects on Father's Day, shares personal stories of resilience and gratitude, and celebrates the Florida Panthers' Stanley Cup win. They also dive deep into the biggest headlines shaking the boating world—from Safe Harbor's legal troubles and Sunseeker's corporate restructure to the future of electric boating with Vision Marine Technologies. Whether it's new tech, charter tax changes in the Bahamas, or key safety reminders for summer, Kim and Rick have it covered. This week's talking points making waves:
Tensions run high as Nuck sets a daunting tone with the mob; Tiff opens up to Kiesha about her conflicting feelings; Bakari bumps heads with Alicia; Pastor Zeke is approached with an ungodly proposal; Detective Toussaint begins her hunt.
David McKnight looks at why many people wait until the fourth quarter to do a Roth conversion, the potential penalties, and what can be done to avoid having to pay underpayment penalties to the IRS. David begins the episode by highlighting the fact that a lot of investors wait until Q4 before they do a Roth conversion – and they prefer to pay taxes on it in cash instead of simply having the taxes withheld by the IRS. From a mathematical standpoint, it's the correct thing to do because it allows you to get 100% of the converted dollars into your tax-free account. However, if you didn't pay quarterly taxes on that income evenly throughout the year, the IRS can charge you an underpayment penalty! The IRS' safe harbor rules can spare you from any underpayment penalty for a Q4 Roth conversion, if certain requirements are met… David goes over two scenarios in which you wouldn't have to pay an underpayment penalty, as well as when, and why, you may need to file Form 2210 A1. Make sure to familiarize yourself with Form 2210 A1 because, as David puts it, it will “become your best friend if you're hoping to avoid underpayment penalties on a fourth quarter Roth conversion.” Mentioned in this episode: David's national bestselling book: The Guru Gap: How America's Financial Gurus Are Leading You Astray, and How to Get Back on Track DavidMcKnight.com DavidMcKnightBooks.com PowerOfZero.com (free video series) @mcknightandco on Twitter @davidcmcknight on Instagram David McKnight on YouTube Get David's Tax-free Tool Kit at taxfreetoolkit.com Form 2210
Send us a textIt's been a while since we last talked about cross-border data transfers, but that does not mean that all issues have resolved themselves. And while the focus may still largely be on the EU-US relations for data transfers, the core developments actually relate to the Global Cross-Border Privacy Rules. Therefore, on this week of Serious Privacy, Paul Breitbarth, Ralph O'Brien of Reinbo Consulting, and Dr. K Royal connect with Noël Luke, chief assurance officer at TrustArc. She joined TrustArc in 2015 and is responsible for overseeing and enhancing TrustArc's robust assurance programs, which include certifications under the Global and APEC cross-border privacy rules, as well as verifications under the respective Data Privacy Frameworks between the US and the EU, UK and Switzerland. If you have comments or questions, find us on LinkedIn and Instagram @seriousprivacy, and on BlueSky under @seriousprivacy.eu, @europaulb.seriousprivacy.eu, @heartofprivacy.bsky.app and @igrobrien.seriousprivacy.eu, and email podcast@seriousprivacy.eu. Rate and Review us! From Season 6, our episodes are edited by Fey O'Brien. Our intro and exit music is Channel Intro 24 by Sascha Ende, licensed under CC BY 4.0. with the voiceover by Tim Foley.
Konfidence in the Klutch's Deezus discusses The Chi's "Safe Harbor". Don D shares his takeaways about season seven, episode three (705), from the opening to the final scene and the following season's predictions. Don P's love of “The Chi” allows him to break down the episode in a way only he can. This podcast was recorded at 6:30 p.m. CT on Friday, June 13th, 2025. What we know so far (2:00) Takeaways to know about Ep. 705 (3:30) Following episode predictions (26:20) Host: Donald Nelson Producer/Engineer: Donald Nelson Music by: Konfidence in the Klutch Productions Subscribe, Stream, or Download:
Jennifer Alvarado, is redefining what it means to be a country artist in today's music scene. With a sound that fuses the heartfelt storytelling of 90s country with the raw, unfiltered honesty of alternative rock, her music has been described as “Deana Carter meets Alanis Morissette.” But Jennifer isn't just another artist blending genres—she's a truth-teller, a fighter, and a voice for those who have ever felt out of place. Her songs are unflinchingly personal, yet universally relatable, tackling love, loss, trauma, and redemption with a fearless honesty that sets her apart.Born and raised in Hickory, North Carolina, Alvarado's love for music was sparked at the age of four when her grandfather first placed a guitar in her hands. Growing up, she found her voice singing in church and school performances, but a devastating loss and relentless bullying in middle school silenced her for years. While others saw her talent, she struggled with crippling performance anxiety, choosing instead to write in secret. It wasn't until her mid-teens, when she picked up the guitar again and began leading worship, that she slowly reclaimed her confidence.Alvarado's path to music wasn't a straight shot. Despite earning a music scholarship, she ultimately pursued a degree in Political Science and Family Ministries, preparing for a future in law and ministry. She worked as an Intellectual Property Paralegal, led worship at two churches, and taught guitar and ukulele on the side. But music never stopped calling. In 2020, facing a crossroads, she decided to take a chance — submitting her music to Indie Star Radio. The response was immediate and overwhelming, leading to her being named Country Artist of the Year in 2021. From that moment, there was no turning back.Since then, Jennifer has become one of the most relentless independent artists in country music, performing over 200 shows a year across the country. She's played legendary venues like The Viper Room, intimate clubs on the California coast, and countless stages across NC, TN, GA, VA, SC, CT, KY, and TX. Her goal? To play all 50 states and bring her music to international audiences. While she's been told she's “not redneck enough” for country music and “too old” to chase a dream, she refuses to let the industry define her. Instead, she writes and sings on her own terms, creating music that resonates with those searching for something deeper than another whiskey-soaked party anthem.Beyond the music, Jennifer is deeply passionate about using her platform to make a difference. She is actively involved in Celebrate Recovery, prison ministry, and organizations supporting women overcoming addiction and homelessness. She volunteers at the Asbury Resource Center, Safe Harbor, and Meals on Wheels and is helping launch Breaking the Darkness, a Christian music festival designed to reach those who may not feel welcomed in traditional church spaces.Jennifer Alvarado is more than a musician — she is a storyteller, an advocate, and proof that resilience and faith can carve out a space where none seemed to exist. She isn't chasing fame or fortune. She's chasing meaning, moments, and the chance to remind others that their voice, their dreams, and their stories matter.#jenniferalvarado #countrymusic #singer #songwriter #recordingartist #chrispomay #livewithcdptalkshow #barrycullenchevrolet https://beacons.ai/chrisdpomayhttps://www.jenniferalvarado.com/Want to create live streams like this? Check out StreamYard: https://streamyard.com/pal/d/54200596...https://www.paypal.com/paypalme/chrispomay https://www.cameo.com/chrispomay
In this episode, I discuss how underpayment penalties can sneak up on you. Many of our clients come to us unaware of these penalties, thinking that their W-2 withholdings or year-end tax payments are enough. But there's much more to it...---------✅ Financial planning for 30-50 year old entrepreneurs: https://www.allstreetwealth.com✅ My personal blog & newsletter: https://www.thomaskopelman.comDisclaimer: None of this should be seen as financial advice. It is just for informational purposes.
Terry Mendez, the new CEO of Safe Harbor Financial, the newly appointed CEO of Safe Harbor Financial, emphasizing their experience in the cannabis industry and business transformation . We discussed Safe Harbor's success in processing over $25 billion in cannabis-related funds, their strategies for navigating industry challenges (including regulatory hurdles and taxation), and their vision for expanding into a multifaceted fintech company offering various services beyond banking. Mendez highlighted several new initiatives, such as debt restructuring, new programs (employee banking, Safe Harbor Connects), and the development of a lending platform, while emphasizing the company's NASDAQ listing and data-driven approach to addressing industry pain points. Advertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy
Henrico officials upset after excess fluoride added to water at Richmond's treatment facility; Wittman constituents hold town hall without him; Wilder Middle School holds ceremony to unveil new portrait of school's namesake; Day 2 of Henrico Restaurant is today, to benefit Safe Harbor shelter; Henrico man dies after apparent robbery attempt.Support the show
What happens when life throws you a curveball—loss, divorce, or the blending of families—and suddenly your finances feel just as uncertain as your emotions?On Wisdom and Wealth, financial expert and widow-turned-warrior Donna Kendrick guides you through the real-life challenges of navigating money during major life transitions. Whether you're reeling from grief, building a new family, or trying to regain your financial footing, Donna brings the knowledge and empathy you need to move forward with confidence. Each episode delivers honest conversations, actionable advice, and a compassionate roadmap to help you make wise decisions during unsteady times. With guests from the worlds of finance, mental health, and personal transformation, this show is your go-to resource for finding clarity, strength, and yes—even peace—in the middle of life's messiest seasons. Because when everything changes, your financial future doesn't have to fall apart. Donna Kendrick, CFP®, is a financial advisor, author, speaker, and podcast host who turned personal tragedy into purpose. After the sudden loss of her husband in 2013, Donna found herself a widow with three young children—and a thousand unanswered questions. She rebuilt her life step by step and discovered how crucial financial clarity was during times of transition. Determined to help others facing similar upheavals, Donna became a CERTIFIED FINANCIAL PLANNERTM and founded Sephton Financial, a firm dedicated to supporting families in transition, including widows, divorcees, and blended families. Her firm has received the OSJ award for annual growth in 2022 and 2023, a testament to her impact and leadership. Donna is the author of two powerful guides: the #1 Amazon Best Seller A Guide to Widowhood: Navigating the First Three Years and the upcoming A Guide for Blended Families: Merging Assets and Navigating Financial Challenges (October 2024). She also hosts the Wisdom and Wealth Podcast, where she brings heart, honesty, and practical insight to those navigating life-altering change. A passionate long-distance runner, Donna channels her energy into fundraising for causes like Safe Harbor, a grief counseling organization for children. In 2022, she remarried and now embraces life in Jenkintown, PA, with her husband Jim, their six kids, and a small zoo's worth of beloved pets.Websites: sephtonfinancial.com & DonnaJeanKendrick.com Facebook: @DonnaJeanKendrickPodcast: Wisdom and WealthEmail: donna@sephtonfinancial.comTelephone Numbers: 215-948-3945 or 484-895-8629Instagram: @DonnaJeanKendrickYouTube: @DonnaJeanKendrickTikTok: @DonnaJeanKendrickBecome a supporter of this podcast: https://www.spreaker.com/podcast/i-am-refocused-radio--2671113/support.
It's a full-on Q&A Friday as Don tackles listener questions on account consolidation, fund choices, proper bond allocation, and portfolio construction. From dissecting the merits of AVGE vs. DFAW vs. VT+AVUV, to helping federal employees estimate how much to save, and even clearing up confusion about average returns—this episode is a masterclass in real-world investing for every phase of life. Whether you're building your portfolio, nearing retirement, or just trying to clean up a financial mishmash, there's clarity here. Oh, and snark-free math explanations, too. 1:36 First caller: Accumulation phase advice—Fidelity vs. AVGE vs. Vanguard 3:15 Follow-up: Retirement accounts, target date funds, and cleaning up a messy portfolio 5:06 Safe Harbor 401k rules explained 5:53 Deep dive into 401k fund options—why some funds may not be ideal 7:43 Old TSP account—combine or leave it? 9:34 Caller: How to start adding bonds after years of 100% stocks 10:43 Two strategies for shifting into bonds slowly and smartly 11:42 Listener from Texas asks: How is average return actually calculated? 12:44 Why averages are simple math, not magic 14:13 Caller: TSP investor wants to grow $114k to $500k in 10 years—what it'll take 15:55 Fidelity Roth IRA options: AVGE vs. DFAW vs. VT + AVUV tilt 17:40 Pros and cons of each fund setup—risk, fees, and portfolio simplicity Learn more about your ad choices. Visit megaphone.fm/adchoices
Terry Mendez (@terrancemendez) is the CEO of Safe Harbor Financial. Terry plays a pivotal role in leading Safe Harbor, as the company helps shape the financial landscape for the cannabis industry. We discuss some of the financial innovations that have lead to the cannabis industries growth and what financial strategies cannabis companies can use to grow! You can find out more about Terry at https://shfinancial.org/ Join the FREE Facebook group for The Michael Brian Show at https://www.facebook.com/groups/themichaelbrianshow Follow Mike on Facebook Instagram & Twitter
Today, I'm talking about the importance of estimated quarterly taxes if you're self-employed and how you can use the Safe Harbor rule, to help make an accurate tax estimate if your income is different this year from last year. Join me in this episode to learn how you can avoid tax penalties and large tax bills by estimating your quarterly taxes as accurately as possible. Also mentioned in today's episode: What is the Safe Harbor Rule? 2:20 Paying your quarterly taxes based on current year income 9:10 The benefits of paying quarterly taxes 13:00 If you enjoyed this episode, please rate, review and share it! Links: On-demand class on Making Taxes Easier/Best Deal on my program, Money Bootcamp
Safe Harbor_CC Mar 2025 (2) by KGMI News/Talk 790
The distributed generation market is shifting rapidly as capital tightens, power prices rise, and smaller developers bump up against capital and market constraints. Independent power producers (IPPs) like Aspen Power are stepping in to bridge the gap—partnering with developers, securing financing, and scaling solar assets in key markets. But what does it take to succeed in today's distributed energy sector? And what does distributed energy mean in today's evolving market?Jorge Vargas, co-founder and CEO of Aspen Power, has spent over two decades in structured finance and solar project development, with past roles at Morgan Stanley, Bank of America, and Lennar Homes. Aspen Power emerged from his work at Energy Impact Partners, where he identified the need for a full-scale IPPs focused on distributed generation. Backed by private equity firm Carlyle, Aspen Power has grown rapidly, now managing over 250MW of assets. Jorge breaks down how they are reshaping distributed generation through innovative financing, project buybacks, repowering existing assets, and long-term investment in clean energy infrastructure. Expect to learn:Why smaller developers are struggling to access capital—and how Aspen is helpingThe four market segments driving distributed generation todayHow Aspen's buyback strategy is unlocking new value in older solar assetsThe role of Safe Harbor in securing ITC benefits amid policy uncertaintyThe biggest regulatory and financial challenges facing developers in 2025If you want to connect with today's guest, you'll find links to his contact info in the show notes on the blog at https://mysuncast.com/suncast-episodes/.Our Platinum Presenting Sponsor for SunCast is CPS America!SunCast is proudly supported by Trina Solar.You can learn more about all the sponsors who help make this show free for you at www.mysuncast.com/sponsors.Remember, you can always find resources, learn more about today's guest and explore recommendations, book links, and more than 730 other founder stories and startup advice at www.mysuncast.com.Subscribe to Valence, our weekly LinkedIn Newsletter, and learn the elements of compelling storytelling: https://www.linkedin.com/newsletters/valence-content-that-connects-7145928995363049472/You can connect with me, Nico Johnson, on:Twitter - https://www.twitter.com/nicomeoLinkedIn - https://www.linkedin.com/in/nickalus
Safe Harbor CC Mar 2025 (2) by KGMI News/Talk 790
Safe Harbor CC Mar 2025 (2) by KGMI News/Talk 790
Executive Director Elizabeth McNally and Board President Troy Skebo talk about the impact Safe Harbor has on the region. It's often referred to as a place and a process that gives a voice and healing to children victims of child abuse. safeharborva.org
Children’s and young-adult authors often explore the pain and loneliness of growing up. Padma Venkatraman does it in an elegantly told story that also explores immigration, environmental change, and the power of friends to make everything better. Venkatraman is an award-winning author who was born in Chennai, India. Before becoming a novelist, earned a Ph.D. in oceanography from The College of William and Mary. She conducted postdoctoral research in Environmental Engineering at Johns Hopkins University and later worked in Germany. She also served as head of Inwoods Small School, and taught oceanography and directed diversity efforts at the University of Rhode Island. Venkatraman is the author of five novels including “Climbing the Stairs,” “Island’s End,” “A Time to Dance,” and “The Bridge Home.” She has written several other books, including: “Double Stars: The Story of Caroline Herschel (Profiles in Science),” “Women Mathematicians (Profiles in Mathematics),” and the illustrated “Growing Gold,” “Born Behind Bars” and “Cleverest Thief.” Her latest book is “Safe Harbor,” was published this month. See omnystudio.com/listener for privacy information.
In this engaging conversation, Padma Venkatraman chats with Jennifer about her new novel in verse, Safe Harbor, exploring themes of belonging, empowerment, and mental health representation. They delve into Padma's personal reading journey, her experiences as a writer, and the significance of music and nature in her storytelling. The discussion also touches on Padma's future projects and the importance of diverse representation in children's literature. Show notes, including episode transcripts and information about connecting with this episode's guest, can be found here. Chapters 00:00 Getting to Know Padma 05:07 Exploring Safe Harbor 11:48 Themes of Belonging and Empowerment 18:01 Mental Health Representation 23:58 The Role of Music and Nature 33:08 Looking Ahead: Future Projects
The Lord safely harbors us, and delivers us home!
The Lord safely harbors us, and delivers us home!
If you're looking for a heartwarming and thought-provoking middle-grade novel that explores themes of diversity, mental health, and environmental stewardship, you'll want to check out "Safe Harbor" by Padma Venkatraman. In this episode of the Reading with Your Kids podcast, host Jed Doherty sits down with Padma to dive into the inspiration and themes behind her latest book. Padma shares how her own experiences as a young Indian immigrant to the United States shaped her desire to create stories that reflect the diverse experiences of children. She explains the powerful metaphor of "stories as ships that sail the oceans of compassion," emphasizing the importance of books that can serve as mirrors, windows, and sliding glass doors for young readers. As Padma delves into the plot of "Safe Harbor," listeners learn about the book's multilayered themes, including immigration, divorce, bullying, and mental health. Padma's personal struggles with depression and her mission to portray strong characters with mental health challenges come through in her thoughtful insights. But it's not all heavy topics - Padma also shares the joyful and playful origins of "Safe Harbor," inspired by a chance encounter with a seal on the beach. The conversation explores how Padma's background in oceanography and her lifelong love of storytelling converge in this heartwarming tale of a young girl's journey to find her place in a new country. The episode also features an insightful discussion with author Jennifer Burns, whose book "Building Readers from Playground to Print" offers practical strategies for helping children transition from playful, imaginative learning to the more structured world of reading and writing. Jennifer shares valuable tips for parents and teachers, emphasizing the importance of understanding the learner's perspective and creating engaging, scaffolded experiences to foster a love of reading. Whether you're a parent, educator, or simply a lover of great middle-grade fiction, this episode is sure to leave you inspired to explore the depths of compassion and connection that Padma Venkatraman's writing has to offer. So grab a cup of tea, settle in, and get ready to set sail on an unforgettable literary adventure. Click here to visit our website – www.ReadingWithYourKids.com Follow Us On Social Media Facebook - https://www.facebook.com/readingwithyourkids Instagram - https://www.instagram.com/readingwithyourkids/ X - https://x.com/jedliemagic LinkedIn - https://www.linkedin.com/company/reading-with-your-kids-podcast/ Please consider leaving a review of this episode and the podcast on whatever app you are listening on, it really helps!
Adam Zurn, Executive Director of Uncharted Lancaster offers kayak tours to see the petroglyphs at Safe Habor. The petroglyphs are so significant because they are probably one of the oldest artifacts in all the Susquehanna Valley. There used to be thousands of petroglyph sites in the Lower Susquehanna, but with the buildings of dams they have been submerged. “There's a series of about six rocks with like significant carvings on them. The two big standouts are little Indian rock and big Indian rock. This cluster of rocks represents one of the two largest concentrations of petroglyphs in the northeast United States, which is cool.” Little Indian Rock is said to have the best panel rock art east of Mississippi. Zurn says this rock is really unique as it is full with all sorts of carvings. “There are three serpent carvings on the rock, and so there is a single carving a serpent and it lines up with the solstice sunrise. And so, you can go out there on the first day of summer and the first day of winter and the sun will come up right where its tail is, it is pointing. And then at a slightly different angle are two squiggly lines, again, representing serpents and those two squiggly lines, the on the equinox or the first day of spring and the first day of fall, the sun rises directly between those two.” The rock tells a story about their natural environment. “They know where the sun is going to be on, you know, very specific days. And they're and they're marking these things on the rock. And so, for me, that's just one of the things that make little Indian rock so special. You can go out there and you can see, you know, that these carvings are somewhere between 800 and 1200 years old.”Support WITF: https://www.witf.org/support/give-now/See omnystudio.com/listener for privacy information.
There are many things we can harbor in our souls, and some things the Lord is asking us to let sail by.
There are many things we can harbor in our souls, and some things the Lord is asking us to let sail by.
Send us a textAre you maximizing your tax savings while building your retirement plan, or leaving opportunities on the table?In this episode, Mike Jesowshek is joined by Matt Ruttenberg to discuss strategies for reducing your 2024 tax bill through retirement contributions and planning. They highlight key deadlines for individual and employer contributions, such as the April 15th cutoff for IRAs and the extended filing deadlines for employer contributions. They also delve into options like solo 401(k)s, safe harbor plans, and cash balance plans, emphasizing the importance of early planning and ongoing consultation to maximize tax savings and retirement benefits.[00:00 - 02:17] IntroductionMike welcomes Matt Ruttenberg back to the show as a trusted retirement expert.Discussion begins with how the new year presents opportunities to address past tax planning mistakes.[02:18 - 05:59] IRA ContributionsDeadlines for Roth and traditional IRAs are April 15th.Contributions are based on individual earned income, not business profits. Lesson: Plan IRA contributions early, as extensions don't apply.[06:00 - 10:14] Profit Sharing and Employer ContributionsEmployer contributions for profit sharing plans can be made until the extended filing deadline.Different strategies, such as "new comparability," can maximize owner benefits.[10:15 - 13:28] Solo 401(k)s and New RulesFirst-year solo 401(k) participants can contribute employee portions up to April 15th.This rule applies to sole proprietors and single-member LLCs, not S-corporations.[13:29 - 16:11] Safe Harbor and ComplianceSafe harbor plans help owners and highly compensated employees avoid compliance issues.A 4% non-elective contribution can be made post-deadline to improve compliance.[16:12 - 24:33] Advanced Plans: Cash Balance and Defined BenefitHigh-income businesses can use defined benefit plans for contributions up to $300,000.These plans require actuary involvement and multi-year commitments.[24:34 - 31:16] Key Takeaways and Planning for 2025Employer contributions can be made until the filing deadline, including extensions.2025 should focus on proactive tax planning to avoid last-minute issues.Direct Quote:"All 401(k) plans are not created equal; work with someone who knows the options available to you." - Matt RuttenbergBuild a custom 401(k) for your business by visiting https://lifeincrs.com/tax-savings-podcast/ ______Podcast Host: Mike Jesowshek, CPA - Founder and Host of Small Business Tax Savings PodcastJoin TaxElm: https://taxelm.com/-------Podcast Website: https://www.TaxSavingsPodcast.comFacebook Group: https://www.facebook.com/groups/taxsavings/YouTube: www.TaxSavingsTV.com
In the division between this world and eternity, we have a supernatural anchor to the love of Christ.
In the division between this world and eternity, we have a supernatural anchor to the love of Christ.
Geetha's important story will be loved by middle grade readers with its relatable topics such as immigrating to a new and very different country (from India to the U.S.), bullying, friendship, music, the healing power of nature, and young people who strive to make an incredible difference in their community. Transcript here
In this series, Beth Moore explores the idea of safety, and invites us to consider what it means to hide in God, instead of hiding from God.
In this series, Beth Moore explores the idea of safety, and invites us to consider what it means to hide in God, instead of hiding from God.
The holidays are the season of giving, and while we take a break this week, we're bringing back an episode with My Safe Harbor. My Safe Harbor is an organization that empowers women and mothers to be the best that they can be. They have learned that empowering women empowers communities. The organization host mother's clubs and enrichment classes that help give women back their dignity and hope. We hope that you enjoy hearing about My Safe Harbor today, and remember that this season is all about giving back. To learn more about My Safe Harbor, visit mysafeharbor.org Super Mamás IG: @_supermamas Facebook: Super Mamás Twitter: @_supermamas Website: http://supermamas.com/ This is a Redd Rock Music Podcast IG: @reddrockmusic www.reddrockmusic.com Learn more about your ad choices. Visit megaphone.fm/adchoices
Subscribe to the podcast We suffered through reading a bunch of stuff on the new IRS safe harbor rules only to realize that doesn't look like it affects us at all. Rev. Proc. 2024-28 Overview of Rev. Proc. 2024-28: What Digital Asset Users Need to Know - Aprio.com Learn about Bitcoin at a trickleBitcoinTrickle.com SponsorLiberty Mugs Keep in touch with us everywhere you areJoin our Telegram groupLike us on FacebookFollow us on Twitter: @libertymugs (Rollo), @Slappy_Jones_2Check us out on Patreon Learn everything you need to know about Bitcoin in just 10 hours10HoursofBitcoin.comPodcast version
Clinton Donnelly is the CEO of CryptoTaxAudit. He joined me to discuss the details of the IRS Crypto Safe Harbor Plan.Topics: - IRS Safe Harbor Plan - 1099 DA Form - Preparing for the 2025 Tax Season - Will Trump Remove Taxes from Crypto? - https://www.cryptotaxaudit.com/1099 Signup - https://www.cryptotaxaudit.com/guard-dog?afmc=thinkingcrypto Show Sponsor - ✅ VeChain is a versatile enterprise-grade L1 smart contract platform https://www.vechain.org/
A memorandum of law in support of a motion to dismiss a complaint is a legal document prepared by an attorney that outlines the legal arguments and authorities supporting the dismissal of a lawsuit.When a defendant files a motion to dismiss a complaint, they are essentially asking the court to throw out the case against them. The memorandum of law serves to explain to the court why the complaint should be dismissed based on legal principles, statutes, regulations, and relevant case law.Typically, a memorandum of law in support of a motion to dismiss will:Outline the Legal Standard: It will begin by stating the legal standard for dismissing a complaint in the jurisdiction where the case is being heard. This often involves citing relevant rules of civil procedure or case law.Present Legal Arguments: The memorandum will then present the specific legal arguments as to why the complaint fails to state a valid claim for relief. This might include arguments that the complaint lacks legal merit, fails to establish jurisdiction, or is barred by a statute of limitations.Cite Case Law and Precedent: The attorney will cite relevant case law and legal precedent to support their arguments. They may show how similar cases were dismissed by courts in the past under similar circumstances.Address Counterarguments: If there are potential counterarguments that the opposing party might raise, the memorandum may also address these and explain why they do not undermine the motion to dismiss.Conclusion: Finally, the memorandum will conclude by summarizing the key points and reiterating why the court should grant the motion to dismiss.A reply to a motion to dismiss a complaint is a legal document filed by the plaintiff (the party who filed the complaint) in response to the defendant's motion to dismiss. In this document, the plaintiff addresses the arguments made by the defendant in their motion to dismiss and presents counterarguments or additional evidence to support the validity of their complaint. The reply typically highlights legal authorities, precedents, and factual assertions to persuade the court to deny the defendant's motion to dismiss and allow the case to proceed. It's crucial for the plaintiff's reply to be well-researched, articulate, and legally sound to effectively counter the defendant's arguments.In this episode we hear from Tyrone Blackburn who is responding to the UMG corporate defendants motion to dismiss the claim filed against them and Diddy.(commerical at 7:02)to contact me:bobbycapucci@protonmail.comBecome a supporter of this podcast: https://www.spreaker.com/podcast/the-epstein-chronicles--5003294/support.
Hello to you listening in Casablanca, Morocco!Coming to you from Whidbey Island, Washington this is Stories From Women Who Walk with 60 Seconds for Thoughts on Thursday and your host, Diane Wyzga.Recently, one of my global listeners wrote say “Thank You” for continuing to produce this podcast. I'm sharing this unexpected delight with you to say “Thank you!” from down here on the knees of my heart for our community going and growing around the world! This is what she wrote:“Thank You! for so consistently generating healing, illuminating, provocative, meaningful, and inspiring content. Thank You! for creating a global community of listeners who are encouraged to actively share hopeful, life-affirming stories, puzzling stories, difficult stories, all the while believing in the possibility of life going on with grace and humor despite these times of chaos and discord. Thank You! for your words and voice to soothe our souls, like a lighthouse that beckons us to safe harbor.”Practical Tip: Take a moment to share a Thank You! today with someone on your life who steadfastly listens, supports, encourages, delights, inspires and gives you very good reason to keep on going.You're always invited: “Come for the stories - stay for the magic!” Speaking of magic, would you subscribe and spread the word with a generous 5-star review and comment - it helps us all - and join us next time!Meanwhile, stop by my Quarter Moon Story Arts website to:✓ Check out Services I Offer✓ For a no-obligation conversation about your communication challenges, get in touch with me today✓ Stay current with Diane as “Wyzga on Words” on Substack, LinkedIn, and now on Pandora RadioStories From Women Who Walk Production TeamPodcaster: Diane F Wyzga & Quarter Moon Story ArtsMusic: Mer's Waltz from Crossing the Waters by Steve Schuch & Night Heron MusicAll content and image © 2019 to Present Quarter Moon Story Arts. All rights reserved.
“For the only safe harbor in this life's tossing, troubled sea is to refuse to be bothered about what the future will bring and to stand ready and confident, squaring the breast to take without skulking or flinching whatever fortune hurls at us.” – Seneca In This Episode, We Get Stoic About: Life's events are beyond our control. And when the storm rages in our daily lives, there is no Coast Guard cutter coming to save us. So, it is on us to develop the mental fortitude to confront whatever challenges arise from the deep with resilience and courage, accepting the twists and turns of fortune without complaint or bitterness. We talk about the only safe harbor on today's podcast. Resources + Links: Connect with Kristofor on Instagram | @team_healey Subscribe to The Stoic Responder on Substack | https://thestoicresponder.substack.com Subscribe to The Stoic Responder on YouTube | The Stoic Responder Buy your copy of In Valor: 365 Stoic Meditations for First Responders, here! Book Kristofor for a speaking event, here! Sponsor Discounts: Friend of the show Dan Hickman (@danieljasonhickman on Instagram) hosts the Competitive Edge Podcast and is a father, entrepreneur and hybrid athlete. As a MyZone Ambassador, Dan is offering The Stoic Responder Podcast listeners $60 off of a MyZone heart rate monitor using discount code TMZUS001-51445-60. If you aren't using a heart rate monitor to train, you're missing out on critical data. Through accurate heart rate tracking and real-time feedback, all effort counts. Until Next Time…out of role!
With the nomination of the pro-crypto Paul Atkins to be the next SEC chair, the crypto industry is potentially facing a 180 from the agency. As co-chair of The Digital Chamber's Token Alliance initiative and a board member of Securitize, Atkins is not only pro-crypto, but also against the type of “regulation by enforcement” strategy of current Chair Gary Gensler. In this episode, Cody Carbone, president at The Digital Chamber, explains why Atkins is likely to start reassessment of the agency's lawsuits against crypto firms, why Trump might break with protocol to fill one of the commissioner seats that would typically be filled by a Democrat, and who he thinks might make for a good “crypto czar.” Show highlights: Why Cody that Atkins leading the SEC would be a massive transformational shift What can be expected from Atkins given his prior experience What crypto cases might be dropped under his leadership Whether Atkins could provide rulemaking before Congress passes legislation Cody's hard criticism of Gary Gensler's modus operandi Why Cody thinks Trump could surprise people when it comes to replacing Democratic Cmr. Jaime Lizárraga How long it could take for Congress to confirm Atkins Why Cody believes that Atkins will support Hester Peirce's Safe Harbor proposal Whether the CFTC will be the primary regulator of the crypto industry in a Trump administration Whether the U.S. will have a crypto czar and who it could be What crypto legislation Cody thinks is likely to be passed in 2025 Visit our website for breaking news, analysis, op-eds, articles to learn about crypto, and much more: unchainedcrypto.com Thank you to our sponsors! Polkadot iYield Guest Cody Carbone, President at The Digital Chamber Links Trump's Office Picks: Unchained: Trump Taps Paul Atkins for Next SEC Chair, Making Good on His Crypto Promises Democratic SEC Commissioner Is Stepping Down, but That Doesn't Mean Trump Will Get 2 Outright Picks Trump Taps Hedge Fund Manager Scott Bessent to Be Treasury Secretary Trump's Plans for a ‘Crypto Czar' and a Crypto Advisory Council: Here's What We Know A Degen Administration? Why the Crypto Czar May Be Allowed to Own Tokens Tracking Trump's Cabinet and Staff Nominations Congressional Results John Reed Stark's tweet:“current SEC Chair Gary Gensler is quietly working behind the scenes to lead the SEC from the grave” Buckley LLP Infobytes Blog: SEC commissioner proposes cryptocurrency safe harbor Fox Business: Perianne Boring among contenders to lead agency involved with crypto in Trump admin Timestamps: 00:00 Intro 02:19 Why Cody believes Atkins would be a transformational SEC chair 03:13 Insights from Atkins' past experience and what it means for crypto 07:19 SEC/crypto cases likely to be dropped under Atkins' leadership 14:31 Potential for SEC rulemaking before Congress passes legislation 18:19 Cody's critique of Gary Gensler's regulatory approach 21:13 Why Trump might break with protocol to replace Democratic commissioner Jaime Lizárraga 23:27 Expected timeline for Congress to confirm Atkins 26:52 Support for Cmr. Hester Peirce's Safe Harbor proposal 28:18 An expanded role for the CFTC in crypto regulation? 31:37 Speculation on the potential for a U.S. crypto czar 35:03 Key crypto legislation to watch for in 2025 38:24 Crypto News Recap Learn more about your ad choices. Visit megaphone.fm/adchoices
Frank starts the third hour with denunciations for the week. He then talks about his crazy evening schedule. He finishes with the hour with the Conspiracy of the Day on if FDR knew of the planned attack on Pearl Harbor before it happened. Learn more about your ad choices. Visit megaphone.fm/adchoices
What is Bank Secrecy, and why are cash-heavy businesses like cannabis dispensaries, casinos, and laundromats treated the same?Did regulators understand that they forced cannabis businesses were once forced into "criminal" banking practices?Banking is available to the cannabis industry, but what are the differences?We discuss the complexities of navigating federal and state regulations, the impact of the SAFE(R) Banking Act, and the differences between state-chartered and federally-chartered banks in handling cannabis-related transactions. Sundie also discusses the challenges of credit card processing for cannabis businesses and the emerging issues around hemp derivatives. Get a firsthand look at the strategies behind vetting and managing risky clients and what the future holds as the cannabis industry matures and evolves. If you're interested in the intersection of finance, regulation, and cannabis, this episode is packed with valuable insights and industry expertise. Perfect for cannabis entrepreneurs, banking professionals, and anyone interested in understanding the rapidly changing landscape of cannabis finance.We sit down with Sundie Seefried to discuss the following:Explaining Bank SecrecyDifferences in Banking Hemp vs. CannabisVisa/MasterCard: What is needed?And so much more Topics and Timestamps Sundie's background and how she got into the cannabis banking space (00:00:46 - 00:01:49)The challenges of banking cannabis businesses and the "criminal" practices they were forced into prior to Safe Harbor (00:01:49 - 00:03:55)Navigating regulations and relationships with state/federal regulators to establish a compliant cannabis banking program (00:03:55 - 00:07:07)Differences between state-chartered and federally-chartered banking institutions when it comes to cannabis (00:07:07 - 00:08:01)The impact of the SAFE Banking Act and the limitations it may have (00:08:32 - 00:10:05)Challenges with credit card processing and merchant services for cannabis businesses (00:10:16 - 00:11:33)Guest Linkshttps://shfinancial.org/https://www.linkedin.com/in/sundie-seefried-748194130/https://www.linkedin.com/company/safeharbor-financial/About Sundie Seefried:Safe Harbor Financial is the brainchild of Sundie Seefried. A 35-year veteran of the credit union industry, in 2014, she saw that CRBs needed financial services and that Colorado communities would be safer if the new industry had access to banking solutions.A 39-year credit union industry veteran, Seefried was the former CEO of Partner Colorado Credit Union (PCCU). Established in 2015 by PCCU, Safe Harbor was formed to provide an unmet need – compliant banking and financial services to the rapidly growing U.S. cannabis industry. Seefried designed a full scope Cannabis Banking Program for PCCU known as the Safe Harbor program, which has withstood the scrutiny of 16 federal and state exams to date. Now in its 8th year, Safe Harbor has grown to nearly 600 accounts spanning 20 states, and processed over $12 billion in cannabis-related transactions.Seefried regularly provides cannabis banking education and expertise to legislators, regulators, attorneys generals, state officials, and financial institutions. She is on a mission to normalize banking for the cannabis industry, while assisting law enforcement and federal agencies to be more effective at combating illicit activities and protecting the financial system.To share her knowledge, Seefried authored the book ‘Navigating Safe Harbor – Cannabis Banking in Uncertain Times' in 2016, as well as contributed a chapter on cannabis banking in the university textbook ‘The Politics of Marijuana: A New Paradigm' by Timothy McGettigan.Follow us: Our Links.At Eighth Revolution (8th Rev), we provide services from capital to cannabinoid and everything in between in the cannabinoid industry.8th Revolution Cannabinoid Playbook is an Industry-leading report covering the entire cannabis supply chain The Dime is a top 5% most shared global podcast The Dime is a top 50 Cannabis Podcast Sign up for our playbook here: