Podcasts about Tax

Sam Tripoli joins Stew to dissect the obvious state-sponsored shams, high-impact assassinations, and deep-state psyops playing out in real time and expose the irrefutable "Fort Huachuca list" data set and break down how globalist agendas use controlled conflict, anti-Semitism laws, and elite puppetry to manufacture consent and subjugate the American people. Brandi Siciliani and Teresa Joins Stew to break down their eyewitness observations from inside the high-profile court hearings surrounding the tragic shooting of Charlie Kirk. Octavia LaVon joins Stew to dismantle the troubling missteps, narrative spins, and procedural anomalies surrounding the high-profile preliminary hearing and expose the fatal flaws in the prosecution's case and question whether real justice or a total system failure is taking place before our eyes.   Join us on KICK https://kick.com/stewpeters  

A listener named Lauren DMed Nicole with a simple question: what is she doing to make sure her daughter has more money than she did growing up? Today, Nicole answers in full, walking through the exact accounts, strategies, and tax moves she is using to build wealth for her toddler from day one. Nicole breaks down the three accounts she opened for her daughter (a 529, a custodial Roth IRA, and a custodial brokerage account), why she gifts directly into the 529 for every holiday, and how she is legally paying her daughter through her business to shift income into a lower tax bracket. Tax strategist Carlton Dennis joins with a clip explaining the rules around paying your kids: what counts as reasonable compensation, how the standard deduction plays into it, and why starting a custodial Roth IRA early can turn a few thousand dollars into over a million by retirement. Nicole also gets into the life insurance decision every parent needs to make. She explains the real difference between term and whole life insurance, why she chose term for her family, and when whole life actually does make sense. Start investing investing at SoFi.com/MNN Private Wealth Collective Nicole's boutique wealth management practice for people who want more than a robo-advisor and less than a hedge fund minimum. Real strategy, real relationship. https://privatewealthcollective.com The Money School Nicole's $149 investing course that actually breaks down stocks, ETFs, crypto, and building a real portfolio, no jargon, no judgment, lifetime access. https://themoneyschool.com ----------------------- Find other exclusive content at— Instagram: @moneynews TikTok: @moneynewsnetwork Website: https://moneynewsnetwork.com Learn more about your ad choices. Visit megaphone.fm/adchoices

As closing arguments wind down in Utah, the deep state's desperate plot to frame a lone-wolf scapegoat for Charlie Kirk's assassination is falling apart at the seams. Armed with boots-on-the-ground reporting from citizen journalists and relentless exposure of regime shills, we break through the propaganda machine to deliver the unfiltered truth to the American people. Ana Escobar joins Stew to detail a shadowy web of Hebrew Google searches that allegedly tracked political figures and false-flag operatives right as covert Egyptian military flights touched down across America and unpack new forensic updates surrounding the explosive destruction of a DoD-contracted munitions plant and reveal suspicious flight patterns linking private jets to an alleged off-the-grid weapons trafficking network. The whole left-right paradigm is nothing more than a carefully crafted show designed to keep everyday Americans distracted while the real ruling class pulls the levers of power. Stew sits down with Dr. Michael Rectenwald to expose the false political choices, dissect the ongoing psyops, and lay out what it actually takes to fight back for true American sovereignty. The fake medical establishment relies on toxic GLP-1 injections and poison "food" to keep Americans sick, broken, and dependent on big pharma. Energized Health founder John Jubilee joins Stew to expose how targeting root cellular hydration naturally shreds fat, rebuilds muscle, and reverses chronic illness without gym gimmicks or big box slop.   Join us on KICK https://kick.com/stewpeters  

Medicare may be one of the most important—and confusing—financial decisions you make in retirement. Between enrollment deadlines, late penalties, Medicare Advantage, Medigap, prescription coverage, and income-based premiums, there are plenty of decisions to navigate. And because some choices can have long-term financial consequences, understanding the basics before you enroll is an important part of wise stewardship. Eddie Holland, Senior Private Wealth Advisor and Partner at Blue Trust, as well as a CFP®, CPA, and Certified Kingdom Advisor®, recently joined Faith & Finance to help simplify Medicare and explain some of the most important planning considerations. Understanding Medicare Parts A, B, C, and D A good place to begin is with Medicare's different parts. Medicare Part A primarily covers hospital-related care, including inpatient hospital stays, skilled nursing care, and hospice. For people who have accumulated the required work credits through either their own employment or their spouse's, Part A generally does not require a monthly premium. Medicare Part B covers many medical services outside the hospital, including doctor visits, lab work, and outpatient procedures. Unlike Part A, Part B generally carries a monthly premium, and higher-income retirees may pay more. Medicare Part D covers prescription drugs. Those enrolled in Original Medicare—Parts A and B—can generally purchase a separate Part D prescription drug plan. Medicare Part C, better known as Medicare Advantage, is offered through private insurance companies. These plans combine Parts A and B and often include Part D prescription coverage as well. Some plans may also offer additional benefits such as dental or vision coverage. Another option for those using Original Medicare is a Medicare supplement plan, commonly called Medigap. These private plans are designed to help cover some of the deductibles, copayments, and other expenses that Original Medicare does not pay. Pay Close Attention to Enrollment Timing Timing matters when enrolling in Medicare. Your Initial Enrollment Period generally lasts seven months: the three months before the month you turn 65, your birthday month, and the three months afterward. But turning 65 does not always mean you have to immediately leave employer-sponsored health coverage. If you or your spouse are still working and you have qualifying employer coverage, you may have access to a Special Enrollment Period, allowing you to delay certain portions of Medicare without facing a late enrollment penalty. Holland notes that employer size and the nature of the coverage can affect how Medicare coordinates with the employer plan. That makes it important to speak with your employer's benefits or human resources department before making assumptions about which coverage should come first. Employer Size Can Make a Difference If your employer has 20 or more employees, the employer health plan may generally remain the primary payer while you continue working, potentially allowing you to postpone Part B and its monthly premium. With an employer of fewer than 20 employees, Medicare may become the primary payer once you are eligible. In that situation, failing to enroll in Parts A and B could potentially leave gaps in coverage. You should also verify whether your employer's prescription drug coverage is considered creditable coverage for Medicare purposes. That can be especially important if you plan to delay Part D beyond age 65. The larger lesson is simple: Medicare decisions should rarely be made in isolation. Your employer coverage, retirement date, spouse's coverage, prescription needs, and other factors all need to be considered together. What Is IRMAA? For higher-income retirees, another important acronym to know is IRMAA, or the Income-Related Monthly Adjustment Amount. IRMAA is an additional charge added to Medicare Part B and Part D premiums when modified adjusted gross income exceeds certain thresholds. For 2026, Holland notes that IRMAA begins above $109,000 in modified adjusted gross income for single filers and $218,000 for married couples filing jointly. Medicare generally bases the surcharge on the most recent tax information available, which often means looking back two years. So, for example, 2026 Medicare premiums may be based on income reported on a 2024 tax return. That two-year lookback can surprise people whose financial situation has recently changed. If your income has fallen because of certain qualifying life-changing events, such as retirement, marriage, or widowhood, you may be able to request a reconsideration of the surcharge using Social Security Form SSA-44. Roth Conversions Can Affect Medicare Premiums IRMAA can also become an important consideration when planning Roth conversions. Suppose you retire before age 65 and decide to convert a significant amount of traditional IRA money to a Roth IRA. The conversion increases your taxable income for that year. Because Medicare looks back at previous tax returns when determining IRMAA, a large Roth conversion in the years immediately preceding Medicare enrollment could lead to higher Part B and Part D premiums later. That doesn't necessarily mean you shouldn't complete the conversion. It simply means you should include the potential Medicare impact in the calculation. Tax planning, retirement planning, and Medicare planning are often interconnected. A decision that makes sense in one area can create consequences in another. Be Careful With HSA Contributions Health Savings Accounts require special attention as you approach Medicare eligibility. Once you are enrolled in Medicare, you can no longer contribute to an HSA. If you enroll around age 65, you need to coordinate the end of your HSA contributions with the beginning of your Medicare coverage. The issue becomes even more important for those who enroll after age 65 because Medicare Part A coverage can sometimes be applied retroactively, potentially affecting HSA eligibility for previous months. Holland recommends understanding the retroactive period before enrolling so you don't inadvertently make excess HSA contributions. Social Security can complicate matters further. If you begin receiving Social Security benefits, you may automatically be enrolled in Medicare Part A. Anyone who is still contributing to an HSA should account for that before applying for Social Security. The good news is that money already accumulated in an HSA remains tax-advantaged and can still be used for many qualified medical expenses in retirement, including certain Medicare premiums. Holland notes, however, that HSA funds cannot be used tax-free to pay Medigap premiums. What If One Spouse Reaches Medicare Age First? Married couples can face another challenge when one spouse becomes eligible for Medicare while the other is still several years away. If the older spouse continues working, the employer plan may continue covering both spouses. Some companies also provide retiree benefits that extend coverage to a younger spouse after the older spouse retires. If employer coverage isn't available, COBRA may provide temporary coverage, although it can be expensive. Another possibility is purchasing insurance through the federal or state health insurance marketplace, where the younger spouse may qualify for premium subsidies depending on household circumstances. Whatever option you choose, don't overlook the cost. If one spouse retires several years before the other reaches Medicare eligibility, higher healthcare premiums may need to become a deliberate part of the retirement budget. Make Medicare Part of Your Larger Retirement Plan Medicare isn't simply a healthcare decision. It can affect your taxes, retirement income, Social Security strategy, HSA contributions, and monthly spending. That's why careful planning before age 65 can be so valuable. Understand what each part of Medicare covers. Know your enrollment windows. Talk with your employer before leaving workplace coverage. Consider the impact of your income on Medicare premiums. And coordinate decisions involving HSAs, Roth conversions, Social Security, and your spouse's health coverage. Medicare may be complicated, but you don't have to approach it blindly. Taking the time to understand your options can help you avoid costly mistakes, choose coverage that fits your circumstances, and steward the resources God has entrusted to you with greater wisdom and confidence. On Today's Program, Rob Answers Listener Questions: I have a mortgage and a car loan and am considering consolidating them into one payment. Is that a good idea, and what type of loan would make sense? I received a letter saying my student loans were placed in permanent disability status, but I never applied for that. How can I verify whether it's legitimate and correct the situation if needed? Resources Mentioned: Faithful Steward: FaithFi's Quarterly Magazine (Become a FaithFi Partner) Blue Trust Christian Healthcare Ministries (CHM) | Healthcare.gov AnnualCreditReport.com FaithFi Field Guide: How Much Money is Enough? Our Ultimate Treasure: A 21-Day Journey to Faithful Stewardship by Rob West Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money Look At The Sparrows: A 21-Day Devotional on Financial Fear and Anxiety Rich Toward God: A Study on the Parable of the Rich Fool Find a Certified Kingdom Advisor® (CKA) FaithFi App Remember, you can call in to ask your questions every weekday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God's resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

September is starting with a new set of challenges for investors: rising Treasury yields, higher oil prices, persistent inflation, renewed geopolitical tensions, and growing questions about whether the Federal Reserve may have to raise rates again. Add historically weak September seasonality and the uncertainty surrounding the midterm elections, and investors have plenty to think about. Lance Roberts and Danny Ratliff answer your questions about market risk, interest rates, inflation, portfolio positioning, retirement planning, and what investors should be watching next. 0:00 INTRO 0:50 - JOLTS Report Review, ADP/Jobs Preview 2:04 - Oil Prices on the rise (oil risk is transient): What's feeding into Inflation? 3:52 - Broadcom report preview 4:14 - Market working down towards 50-DMA to test support 5:15 - Seasonal weakness for September is present; volatility remains low 8:53 - Any market Rotation? 10:28 - Guidance for Acquiring company stock in 401k 12:37 - Recommendation for Rotation in and out of funds - how & why & controlling risk 15:30 - Dividend yields or reinvest in Creation of Retirement Paycheck? 19:37 - Where to hide money from the "coming doom..." 21:30 - Dealing with the risks in September 22:57 - Portfolio Management Rebalancing, & Target Weighting 26:13 - Data Center & related stocks: Bloom, Anet, ETN 30:15 - Money flow & Breadth Indicator, Momentum signals: Tax avoidance investing 32:56 - Is anyone big enough to move the market to influence the election (Situational Awareness) 36:55 - Changes to mandatory withdrawals 38:38 - Sensible policies to "fix" SS: remove restrictions on IRA's vs need for revenue 43:33 - Brookfield Corp? 45:12 - Worry about IRMAA? 45:56 - Pullback # for S&P 46:33 - Gold & Silver to run in future? Hosted by RIA Advisors' Chief Investment Strategist, Lance Roberts, CIO, w Senior Investment Advisor, Danny Ratliff, CFP Produced by Brent Clanton, Executive Producer ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/ZxnrV8m0F4g?feature=share -------- Watch our previous show, "What Should You Expect From a Financial Planner?" https://youtube.com/live/dRd4fGgwrkc ------- Watch today's "Before the Bell" report, "September Weakness Tests Market Support," https://youtu.be/4xaM1pIhI1w ------- Articles mentioned in this report: "Loss: Why Crashes, Timing & Valuations Matter (Chapter 3 of 5)" https://realinvestmentadvice.com/resources/blog/loss-why-crashes-timing-valuations-matter-chapter-3-of-5/dvice.com/resources/blog/why-retail-traders-consistently-underperform-over-time/ --- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ ------- * REGISTER for our next Dynamic Learning Series, "The Smart Way to Pay for College," Thursday, September 3, 2026: https://streamyard.com/watch/mcE7YgphgMns --- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN --- Subscribe to SimpleVisor : https://www.simplevisor.com/register-new --- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #StockMarket #Investing #MarketCorrection #RiskManagement #SeptemberMarkets #Investing #FederalReserve #RetirementPlanning #MarketRisk

September is starting with a new set of challenges for investors: rising Treasury yields, higher oil prices, persistent inflation, renewed geopolitical tensions, and growing questions about whether the Federal Reserve may have to raise rates again. Add historically weak September seasonality and the uncertainty surrounding the midterm elections, and investors have plenty to think about. Lance Roberts and Danny Ratliff answer your questions about market risk, interest rates, inflation, portfolio positioning, retirement planning, and what investors should be watching next. 0:00 INTRO 0:50 - JOLTS Report Review, ADP/Jobs Preview 2:04 - Oil Prices on the rise (oil risk is transient): What's feeding into Inflation? 3:52 - Broadcom report preview 4:14 - Market working down towards 50-DMA to test support 5:15 - Seasonal weakness for September is present; volatility remains low 8:53 - Any market Rotation? 10:28 - Guidance for Acquiring company stock in 401k 12:37 - Recommendation for Rotation in and out of funds - how & why & controlling risk 15:30 - Dividend yields or reinvest in Creation of Retirement Paycheck? 19:37 - Where to hide money from the "coming doom..." 21:30 - Dealing with the risks in September 22:57 - Portfolio Management Rebalancing, & Target Weighting 26:13 - Data Center & related stocks: Bloom, Anet, ETN 30:15 - Money flow & Breadth Indicator, Momentum signals: Tax avoidance investing 32:56 - Is anyone big enough to move the market to influence the election (Situational Awareness) 36:55 - Changes to mandatory withdrawals 38:38 - Sensible policies to "fix" SS: remove restrictions on IRA's vs need for revenue 43:33 - Brookfield Corp? 45:12 - Worry about IRMAA? 45:56 - Pullback # for S&P 46:33 - Gold & Silver to run in future? Hosted by RIA Advisors' Chief Investment Strategist, Lance Roberts, CIO, w Senior Investment Advisor, Danny Ratliff, CFP Produced by Brent Clanton, Executive Producer ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/ZxnrV8m0F4g?feature=share -------- Watch our previous show, "What Should You Expect From a Financial Planner?" https://youtube.com/live/dRd4fGgwrkc ------- Watch today's "Before the Bell" report, "September Weakness Tests Market Support," https://youtu.be/4xaM1pIhI1w ------- Articles mentioned in this report: "Loss: Why Crashes, Timing & Valuations Matter (Chapter 3 of 5)" https://realinvestmentadvice.com/resources/blog/loss-why-crashes-timing-valuations-matter-chapter-3-of-5/dvice.com/resources/blog/why-retail-traders-consistently-underperform-over-time/ --- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ ------- * REGISTER for our next Dynamic Learning Series, "The Smart Way to Pay for College," Thursday, September 3, 2026: https://streamyard.com/watch/mcE7YgphgMns --- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN --- Subscribe to SimpleVisor : https://www.simplevisor.com/register-new --- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #StockMarket #Investing #MarketCorrection #RiskManagement #SeptemberMarkets #Investing #FederalReserve #RetirementPlanning #MarketRisk

Discover how behavioral science expert Kurt Nelson helps entrepreneurs master mindset, team leadership, and motivation in this insightful episode.What sets thriving entrepreneurs apart? We look into the multifaceted world of entrepreneurial success with Kurt Nelson, PhD, founder of the Lantern Group, podcast co-host, and behavioral science expert.From humble Midwestern beginnings and ice cream shop lessons to advising Fortune 500 companies and solo entrepreneurs alike, Kurt shares eye-opening perspectives on how the right mindset and emotional intelligence drive lasting impact.In this episode, you'll get:Key lessons from Kurt's journey. Why understanding human behavior is essential for business successReal-life stories tackling burnout, uncertainty, and how to reset your entrepreneurial driveThe science of motivation: why non-cash incentives can outperform cash, and how leaders can build high-performing, resilient teamsPractical strategies for developing self-awareness, overcoming limiting behaviors, and building supportive company culturesThe rising importance of emotional intelligence (EQ) in the age of AI and remote workPacked with practical insights for entrepreneurs at every stage, this conversation will help you simplify challenges, improve decision-making, and become a better leader, no matter your business size.This episode is brought to you by PureTax, LLC. Tax preparation services without the pressure. When all you need is to get your tax return done, take the stress out of tax season by working with a firm that has simplified the process and the pricing. Find out more about how we started.Three key takeaways for entrepreneurs and leaders:Human behavior is the heart of business. Whether working with a Fortune 500 or a five-person startup, success depends on understanding how people think, feel, and make decisions. Behavioral science isn't just theory, it's your competitive advantage.Self-awareness unlocks growth. The best leaders don't just manage others, they reflect deeply on their own actions, biases, and communication patterns. Bringing a mirror to your habits may be the most challenging step, but it's the foundation for meaningful change and leadership impact.EQ will set you apart in an AI-powered world. As technology levels the playing field on technical intelligence, emotional intelligence (EQ) becomes the new differentiator. Building trust, connection, and empathy is more critical than ever. Your team and clients can feel the difference.Running a business doesn't have to run your life.Without a business partner who holds you accountable, it's easy to be so busy ‘doing' business that you don't have the right strategy to grow your business.Stop letting your business run you. At Harper & Co CPA Plus, we know that you want to be empowered to build the lifestyle you envision. In order to do that you need a clear path to follow for successOur clients enjoy a proactive partnership with us. Schedule a consultation with us today.Download our free guide - Entrepreneurial Success Formula: How to Avoid Managing Your Business From Your Bank Account.Glenn Harper, CPA, is the Owner and Managing Partner of Harper & Company CPAs Plus, a top 10 Managing Partner in the country (Accounting Today's 2022 MP Elite). His firm won the 2021 Luca Award for Firm of the Year. An entrepreneur and speaker, Glenn transformed his firm into an advisory-focused practice, doubling revenue and profit in two years. He teaches entrepreneurs to build financial and operational excellence, speaks nationwide to CPA firm owners about running their businesses like entrepreneurs, and consults with firms across the country. Glenn enjoys golfing, fishing, hiking, cooking, and spending time with his family.Julie Smith, MBA, is a serial entrepreneur in the public accounting space. She is the Founder of EmpowerCPA™, Founder of PureTax, LLC, COO for Harper & Company CPAs Plus, and Co-host of the Empowering Entrepreneurs podcast. Named CPA.com's 2021 Innovative Practitioner of Year, Julie led Harper & Company's transition to an advisory-focused firm, doubling revenue and profit in two years. She now empowers other CPA firm owners nationwide through consulting and speaking, teaching them how to run their businesses like entrepreneurs. Julie lives in Columbus, OH with her family and enjoys travel, coaching basketball, sporting events, and the occasional shopping spree.https://creativecommons.org/licenses/by-nd/4.0/Copyright 2026 Glenn HarperMentioned in this episode:Brought to you by Harper & Company CPAs PlusRunning a business takes vision, grit… and the right financial partner. At Harper & Company CPAs Plus, we don't just crunch numbers—we empower entrepreneurs. From proactive tax strategy and accounting to business advisory services, our team helps you keep more of what you earn and scale with confidence. Whether you're launching, growing, or preparing for exit, Harper & Company is in your corner with expert guidance built for business owners like you. Visit www.harpercpaplus.com to book a complimentary discovery call today - or call us at 614-456-7222. Brought to you by Harper & Company CPAs Plus

On this episode of the Woodard Report podcast, Heather speaks with Michelle Weinstein about how accounting professionals can escape burnout, increase revenue, and build more profitable firms by learning to communicate their value and sell with confidence. They discuss the importance of listening to clients, focusing on ideal customers, tracking the value and "wins" delivered to clients, and turning quick questions into deeper advisory conversations rather than giving away expertise for free. About Michelle Weinstein Michelle Weinstein is the founder of The Abundant Accountant and a sales strategist who helps CPAs, EAs, Accounting, Tax, Bookkeeping, and Fractional CFO firm owners generate more revenue without working harder and burning out. Through the 8-Week Sales Mastery Training, she teaches firm owners how to build a proven sales process, communicate their value, gain the confidence to raise their fees, and enroll premium clients without pressure or burnout. Her work helps firm owners build more profitable practices without working more hours, chasing more clients, or giving away their expertise for free. Learn more about The Abundant Accountant Connect with Michelle on LinkedIn Thank you to our show sponsor, Bill, your financial operations platform. Bill is the intelligent way to create and pay bills, send invoices, manage expenses, control budgets, and access the credit your business needs to grow all in one platform. Learn more about the show and our sponsors at Woodard.com/podcast

Stew tears into the latest attempt by Turning Point USA proxies to push a dubious alibi for Erika Kirk regarding the day of Charlie Kirk's assassination. Exposing the gaping holes, suspicious retractions, and corporate media cover-ups.   Join us on KICK https://kick.com/stewpeters   Get your first month for just $5 and join the movement before the fake election season heats up. Unlock exclusive content, behind-the-scenes access, and a community that refuses to be silenced. Join Today: https://StewPeters.tv   Support the network

Seven Life Insurance Tax Benefits Many People Are Unaware Of Episode 398 – It's not always easy to understand how life insurance works. But there are some unique tax advantages that often get overlooked. Here are seven of them. More SML Planning Minute Podcast Episodes Transcript of Podcast Episode 398 Hello, this is Bill Rainaldi, with another edition of Security Mutual's SML Planning Minute. In today's episode: seven life insurance tax benefits many people are unaware of. Is there really such a thing as a simple financial product? Maybe. But in many—if not most— cases, tax law introduces complications that can make some products difficult for the typical consumer to understand. But with that comes opportunity. You're going to pay taxes anyway, but along the way, you might as well make an effort to minimize them. Life insurance, particularly permanent life insurance, offers its share of tax complexities. But many of these, if you truly understand them, can help produce advantageous after-tax results. Here are seven tax benefits you might not be aware of: 1) In most cases, the life insurance death benefit is income tax-free. This is probably the biggest, and most well-known, tax advantage of life insurance. When you receive a large sum of cash after someone dies, the taxation depends on where the money comes from. For example, if you inherit an individual retirement account or IRA, you are likely to be facing a significant income tax bill. Not so with a life insurance death benefit. We must caveat, that we are referring to typical lump-sum payouts directly to a named person that are generally income tax-free. Exceptions can occur due to interest earnings, estate size, policy transfers, or complex ownership structures. These are not typical scenarios, however. Using the typical scenario, the difference is potentially huge. If you're in a 32 percent tax bracket for example, your $1,000,000 of pre-tax cash will only be worth $680,000 after tax. But with the few exceptions already referenced, a $1,000,000 of life insurance death benefit is worth the full $1,000,000 after tax. 2) Tax-deferred growth of cash value. In most circumstances, a permanent life insurance policy will generate a cash value, which is also the amount you would receive if you surrendered the policy. Note that a term life insurance policy generally does not have any cash value.The cash value within a permanent policy—in most but not all cases—grows on a tax-deferred basis, unlike, say, a mutual fund or a stock that pays a dividend. The gains within the policy are not taxed from year to year. Gains only become taxable in certain circumstances, such as a cash surrender of the policy, certain withdrawals above your taxable basis, or if the policy lapses. 3) Tax-free borrowing via policy loans. You have the ability to borrow against your policy's cash value on a tax-free basis, within limits, as long as the policy stays in force. Tax-wise, loans are treated as debt, not income. As with most types of loans other than home mortgages, interest payments are not deductible. But unlike a bank loan, the loan decision is entirely yours. You don't have to ask anyone else to approve your application, and while you will continue to accrue interest, you are not required to pay the loan back at any particular time. 4) Receiving an “accelerated death benefit” that is generally tax-free. If you are chronically or terminally ill, you may be able to access a portion of the policy's death benefit while you are still living if the policy includes a chronic or terminal illness accelerated death benefit provision. From a tax perspective, assuming certain conditions are met, the distribution would be treated as an income tax-free acceleration of the eventual death benefit payment. 5) Tax-free exchanges via IRC Section 1035. You can also exchange one life insurance policy for another without being immediately taxed on any gains. There are, of course, some rules you'll need to follow. When the first policy is transferred, the money needs to go directly from the original transferring insurance company to the new insurance company. Of course, if the original company is also issuing the new policy then there is no physical transfer. The main thing is that you can't take receipt of the policy proceeds yourself during the exchange. Also, the new policy must have the same owner and insured as the old one. No material changes may occur but if you follow the rules, a Section 1035 exchange can be an opportunity to improve the life insurance benefits over the ones in your original transferred policy. The new policy may have a higher or less expensive death benefit, performance implications, or riders that may not have existed before or are better, all without any current tax implications. 6) A life insurance policy can help with estate taxes. Not many people think about this one. After all, federal estate tax law, as of 2026, allows you to leave up to $15 million to your heirs ($30 million for a married couple) before any federal estate tax is assessed.[1] But state estate tax laws are different. If you live in certain states, such as New York, Maryland or Massachusetts, the threshold is much lower.[2] Estate tax rates can be high, and an Irrevocable Life Insurance Trust (ILIT) can help ensure the associated life insurance proceeds are not included in your taxable estate, thus minimizing or helping to avoid a potentially significant estate tax. If this sounds like something you'd be interested in, it is recommended to consult with a qualified life insurance professional. 7) In a business situation, life insurance can potentially have tax advantages. Businesses can find ways to use life insurance in a tax-efficient manner. This might include buy-sell agreements, key-person insurance, split-dollar arrangements, or executive benefit plans. Premiums paid are generally not deductible for the business, but these strategies can still provide significant tax advantages to both the business and the insured individual(s). And here's a bonus tax-advantaged use of life insurance: 8) Potential retirement income. If the circumstances are right, a cash value life insurance policy can be used to supplement retirement income. This doesn't happen overnight; it's a strategy that generally needs to be planned out well in advance. Once a life insurance policy has been well-capitalized (and this usually takes someone many years) it is possible to access cash value through periodic tax-free loans and withdrawals to the policy's tax basis. This strategy can provide retirement income that is both tax-free and not subject to Required Minimum Distributions or RMDs. Such loans and withdrawals are generally not guaranteed. As is always the case with taxation, things can become very complicated, and there are some pitfalls to watch out for. One of the most notable is something called a “modified endowment contract.” The IRS specifies how much money can be paid into a life insurance contract, and if you exceed those limits, many of the tax advantages could be lost. It's too complicated to discuss in detail here, but it's a good illustration of why you need the help of a qualified life insurance professional. Interested in pursuing some of the special tax advantages discussed here? Your Security Mutual Life insurance agent can help. Your Security Mutual Life insurance agent can augment or help assemble your financial team and coordinate with your attorneys and tax professionals to review your situation, and to determine the insurance plan that will best suit your needs and objectives. [1] Internal Revenue Service. “Estate Tax.” IRS.gov. https://www.irs.gov/businesses/small-businesses-self-employed/estate-tax (accessed August 6, 2026). [2] Loughead, Katherine. “Estate and Inheritance Taxes by State, 2025.” Taxfoundation.org. https://taxfoundation.org/data/all/state/estate-inheritance-taxes/ (accessed August 6, 2026). More SML Planning Minute Podcast Episodes This podcast is brought to you by Security Mutual Life Insurance Company of New York, The Company That Cares®. The content provided is intended for educational and informational purposes only. Information is provided in good faith. However, the Company makes no representation or warranty of any kind regarding the accuracy, reliability, or completeness of the information. The information presented is designed to provide general information regarding the subject matter covered. It is not to serve as legal, tax or other financial advice related to individual situations, because each individual's legal, tax and financial situation is different. Specific advice needs to be tailored to your situation. Therefore, please consult with your own attorney, tax professional and/or other advisors regarding your specific situation. To help reach your goals, you need a skilled professional by your side. Contact your local Security Mutual life insurance advisor today. As part of the planning process, he or she will coordinate with your other advisors as needed to help you achieve your financial goals and objectives. For more information, visit us at SMLNY.com/SMLPodcast. If you've enjoyed this podcast, tell your friends about it. And be sure to give us a five-star review. And check us out on LinkedIn, YouTube and Twitter. Thanks for listening, and we'll talk to you next time. Tax laws are complex and subject to change. The information presented is based on current interpretation of the laws. Neither Security Mutual nor its agents are permitted to provide tax or legal advice. The applicability of any strategy discussed is dependent upon the particular facts and circumstances. Results may vary, and products and services discussed may not be appropriate for all situations. Each person's needs, objectives and financial circumstances are different, and must be reviewed and analyzed independently. We encourage individuals to seek personalized advice from a qualified Security Mutual life insurance advisor regarding their personal needs, objectives, and financial circumstances. Insurance products are issued by Security Mutual Life Insurance Company of New York, Binghamton, New York. Product availability and features may vary by state.​ SubscribeApple PodcastsSpotifyAndroidPandoraby EmailTuneInDeezerRSSMore Subscribe Options

Todd Sloan is a defense attorney from Auburn, New York and an independent candidate for Congress in NY-24, a heavily Republican seat held by Rep. Claudia Tenney. He calls himself a fundamental constitutionalist, and his slogan is Kickstart Congress: affordability, integrity, and loyalty to the district. Sloan argues Congress has spent decades handing its Article I authority to the executive branch, and makes the case that tariffs are taxes and a congressional power. Radell presses him on New York's political moment, the socialism conversation dominating coverage of the state, and what running as an independent looks like where two thirds of voters are Republican. The episode closes with a policy round on term limits, campaign finance, uncapping the House, and the filibuster. Todd Sloan's campaign and platform: https://toddsloanforcongress.com All positions expressed by Todd Sloan are his own. PPB is nonpartisan: political solutions without political bias. CHAPTERS 0:00 Introduction 0:33 Meet Todd Sloan, Independent in NY-24 3:19 Cooking and Minecraft 7:41 Why a Lawyer Ran for Congress 8:58 What a Constitutionalist Believes 11:38 Article I and Congress Giving Power Away 15:15 The Duopoly and Unheard Independents 19:18 Kickstart Congress: The Three Prongs 20:38 Are Tariffs a Tax? 25:34 How Do You Hold Congress Accountable? 27:26 Does Toxicity Push Good People Out? 34:10 Is New York Really Turning Socialist? 38:00 Sizing Up Tenney and Ellman 40:56 Mamdani and What Actually Won in NYC 43:04 Echo Chambers and Media 45:43 Policy Round: Term and Age Limits 50:09 Policy Round: Campaign Finance 52:33 Policy Round: Uncapping the House 54:46 Policy Round: The Filibuster 58:30 Lobbying and Disclosure 1:04:35 Final Pitch Standard Resource Links & Recommendations The following organizations and platforms represent valuable resources for balanced political discourse and democratic participation: PODCAST NETWORK Check Out the Podcast Website: www.purplepoliticalbreakdown.com ALIVE Podcast Network: Check out the ALIVE Network where you can catch a lot of great podcasts like my own, led by amazing Black voices. Link: https://alivepodcastnetwork.com/ CONVERSATION PLATFORMS HeadOn: A platform for contentious yet productive conversations. It's a place for hosted and unguided conversations where you can grow a following and enhance your conversations with AI features. Link: https://app.headon.ai/ Living Room Conversations: Building bridges through meaningful dialogue across political divides. Link: https://livingroomconversations.org/ UNITY MOVEMENTS Us United: A movement for unity that challenges Americans to step out of their bubbles and connect across differences. Take the Unity Pledge, join monthly "30 For US" conversation calls, wear purple (the color of unity), and participate in National Unity Day every second Saturday in December. Their programs include the Sheriff Unity Network and Unity Seats at sports events, proving that shared values are stronger than our differences. Link: https://www.us-united.org/ BALANCED NEWS & INFORMATION OtherWeb: An AI-based platform that filters news without paywalls, clickbait, or junk, helping you access diverse, unbiased content. Link: https://otherweb.com/ VOTING REFORM & DEMOCRACY Equal Vote Coalition & STAR Voting: Advocating for voting methods that ensure every vote counts equally, eliminating wasted votes and strategic voting. Link: https://www.equal.vote/star Future is Now Coalition (FiNC): A grassroots movement working to restore democracy through transparency, accountability, and innovative technology while empowering citizens and transforming American political discourse. Link: https://futureis.org/ POLITICAL ENGAGEMENT Independent Center: Resources for independent political thinking and civic engagement. Link: https://www.independentcenter.org/ GET DAILY NEWS Text 844-406-INFO (844-406-4636) with code "purple" to receive quick, unbiased, factual news delivered to your phone every morning via Informed (https://informed.now) Check Out the Unfuck America Tour & National Ground Game: https://www.nationalgroundgame.com/ Check Out the CIVICS App to Know More About Your Politicians: https://www.civicpolitics.com SUBSCRIBE ON SUBSTACK Get the Purple Political Breakdown newsletter straight to your inbox: https://open.substack.com/pub/purplepoliticalbreakdown SHARE YOUR OWN SOLUTION Have a political solution? Post it at https://www.reddit.com/r/policysolutions/ ALL LINKS https://linktr.ee/purplepoliticalbreakdown The Purple Political Breakdown is committed to fostering productive political dialogue that transcends partisan divides. We believe in the power of conversation, balanced information, and democratic participation to build a stronger society. Our mission: "Political solutions without political bias." Subscribe, rate, and share if you believe in purple politics, where we find common ground in the middle! Join the Discord: https://discord.gg/ptPAsZtHC9

Walmart collected about $2.9 billion in tariff refunds and spent it on roughly 11,000 rollbacks in Walmart US. Transactions grew and operating income rose 28.8%. The comp still slowed to 2.6% excluding fuel, the weakest quarter since 2020, with the softness concentrated in lower-income households. Walmart raised full-year guidance on the assumption that the second half improves on the back of that price investment, which puts a refund that will not repeat into the base of next year's math.Lowe's earned $4.27 a share on $2 billion more revenue than last year, when it also earned $4.27. Comparable sales rose two tenths of one percent. Almost all of the revenue growth was acquired, from a building products distributor and an interior finishes installer that sell into new residential construction, and Lowe's removed the top of its full-year outlook four separate times on the call. Online grew 15.7%. The release blames persistent do-it-yourself macro pressure for the rest, which is a long way of saying the Saturday deck lumber customer has not come back.Target's traffic did come back. Comps grew 3.8% with 3.6 points from traffic, and apparel and accessories grew $4 million on a $4 billion base.Ipsy is launching a marketing services arm and will no longer say what its revenue is. Six years ago it published 4.3 million subscribers and a billion dollars.Plus the Investor Minute: Ferrero buys Purely Elizabeth, Amazon buys DuckDB Labs but not DuckDB, Mubadala takes majority control of Arrive Logistics, Blank Street raises $105 million, Lavanta raises $22 million.The Watson Weekly is sponsored by Avalara. Tax compliance gets harder with every new channel, state, product and market. See what Avalara Agentic Tax and Compliance does about it at avalara.watsonweekly.com#watsonweekly #walmart #lowes #target #ipsy

National is just "kicking a can down the road" with its promised changes to student loan debt, according to a tax lawyer. David Ananth says reducing the compulsory repayment rate from 12 cents to 10 cents on every dollars earned above $24,000 isn't enough of a reward to stop newly qualified students leaving the country without paying their debt off. Tax lawyer, David Ananth spoke to Melissa Chan-Green.

Should you retire with the market at an all-time high? In Ireland, the record level feels dangerous, but it is not the risk that decides your outcome. In this episode, Paddy asks whether retiring at an all-time high is really the risk Irish savers fear, or whether the thing that decides your outcome is something else entirely.   What you'll learn: • Why all-time highs are common, not a warning: global equities sit at or near record highs on roughly a third of trading days • What Japan's lost decades really warn against: concentration in one market, not equities themselves • A sequence-of-returns case study: how two retirees with the same €1.2m and the same average return finished €1.25m apart • The Irish nuance: why Revenue's imputed distribution makes the buffer inside your ARF matter more than any market call   If you're within a couple of years of drawing down, and the timing has you worried, this episode is for you.  

With Labour campaigning on no increase to fuel excise over three years, National is now also promising to scale back. Sector heads are calling it short-term election year politicking that will end up costing Kiwis more. Political reporter Russell Palmer has the story.

In this explosive episode of God Grit & Glory, Stew joins the show as a featured guest to pull back the curtain on the high stakes battle between uncompromising truth and corporate silence. Facing a high-pressure ultimatum from major sponsors keep quiet or lose millions.   Join us on KICK https://kick.com/stewpeters   Get your first month for just $5 and join the movement before the fake election season heats up. Unlock exclusive content, behind-the-scenes access, and a community that refuses to be silenced. Join Today: https://StewPeters.tv   Support the network

Britain's obesity crisis is getting worse, and the latest figures suggest younger adults are gaining weight faster than ever. According to the King's Fund, obesity rates in England are now at record levels, with around 30% of adults living with obesity or severe obesity, roughly double the proportion seen in the early 1990s. Among 16 to 24-year-olds, the rise is even more striking. Around 18% are now obese or severely obese, compared with just 6% in 1993.Hence the title of this episode of Mark and Pete: Gross Britannia: Britain Is Getting Fatter.Cheerful stuff.But beneath the slightly rude title sits a serious question. What on earth has happened to us?This is not simply a matter of people becoming greedier, lazier, or somehow morally defective because they have discovered crisps. The environment around food has changed enormously. Ultra-processed food is cheap, convenient, heavily marketed and everywhere. Portion sizes have grown. Delivery apps can now bring a week's worth of calories to the front door before you've found your slippers. Many jobs involve sitting down all day, entertainment involves sitting down all evening, and even shopping can be done while remaining impressively horizontal.And then there is poverty, stress, sleep, mental health, childhood habits, lack of exercise, local environment and, increasingly, medication.The arrival of Ozempic, Wegovy and Mounjaro has changed the obesity debate dramatically. These drugs can help some people lose significant amounts of weight and may prove enormously important medically. But do we really want the national plan to be: create an obesogenic culture, then inject everybody afterwards?That seems, well, slightly backwards.The King's Fund says England has had 14 government obesity strategies since 1992, while obesity has continued to rise. There are now thought to be around 14 million adults in England living with obesity or severe obesity, with vast consequences for diabetes, heart disease, joint problems, NHS demand and public spending.So what should actually change?Do we regulate junk-food advertising more aggressively? Improve school meals? Make healthy food cheaper? Encourage walking and cycling? Teach cooking properly again? Restrict portion sizes? Tax sugar harder? Or is government already interfering quite enough in what people put on their plates?There is also the awkward personal question of self-control. Christianity treats the body as something significant, not disposable. Food is good. Feasting is good. Enjoyment is good. But being dominated by appetite is something else.So this episode asks what Britain should do about obesity without shaming people, pretending weight is simple, or handing responsibility entirely to either government or the individual.Because clearly what we are doing now is not working.

In this episode, Warren Ingram and Pieter de Villiers discuss the complexities of estate planning, retirement annuities, and tax strategies, addressing common misconceptions and practical considerations for managing assets and minimizing taxes.Chapters00:00 Introduction to estate planning and common questions02:08 Why transferring assets to an RA at an old age can be problematic03:07 Tax implications of estate duty and retirement fund withdrawals04:29 Risks of over-contributing to an RA and estate implications06:20 How retirement fund payouts are regulated and their impact on estate07:18 The role of trustees and nomination in retirement fund payouts08:39 Alternative strategies to mitigate estate duty and fees09:25 Balancing estate planning with quality of life for the elderly11:22 When and why to consider an RA after retirement12:53 Additional considerations: estate duty abatement and inheritance planningLearn more about how Curate Investments can help you here.Send us Fan MailHave a question for Warren? Don't forget to voice note your questions through our WhatsApp chat on (+27)79 807 8162 and you could be featured in one of our episodes. Follow us on Twitter, LinkedIn and subscribe to our YouTube channel for more Financial Freedom content: @HonestMoneyPod

Stew dismantles the narrative surrounding Charlie Kirk's assassination, exposing controlled opposition and federal assets pushing fabricated evidence.   Stew sits down with Diligent Denizen to unpack damning new evidence that completely shatters the official timeline in the Charlie Kirk assassination case. From weaponized lavalier mics to a hidden restaurant receipt 200 miles away from the crime scene.   Join us on KICK https://kick.com/stewpeters   Get your first month for just $5 and join the movement before the fake election season heats up. Unlock exclusive content, behind-the-scenes access, and a community that refuses to be silenced. Join Today: https://StewPeters.tv   Support the network

Michael Williams joins the show to talk the tax strategy that most investors aren't using yet! He explains his three-phase approach to tax efficiency, focusing on using depreciation as an interest-free loan from the government to redirect money that would otherwise go toward taxes into income-producing assets. We cover his platform's current focus on data center infrastructure, including GPUs and servers, and digital advertising screens, as well as other potential assets such as construction equipment, bourbon barrels, trash trucks, and rental vehicles. Michael stresses the importance of working with qualified tax professionals and choosing assets with strong contracted revenue, bankability, and real economic performance rather than relying solely on tax savings. Today we discuss...  How high-net-worth individuals and business owners can use tax-efficient investment strategies to keep more money invested rather than paying it in taxes. The three phases of tax efficiency, including structuring finances, using depreciable assets, and determining how to own assets going forward. How depreciation can function like an interest-free loan from the government by allowing investors to redirect money that would otherwise go toward taxes. Data center infrastructure, including GPUs and servers, as one of the primary depreciable asset strategies currently offered. Digital advertising screens and billboards as another cash-flowing asset that can qualify for bonus depreciation. That investors should never purchase an asset solely for its tax benefits and that the underlying investment must make economic sense on its own. How revenue-sharing pools can help diversify cash flow across multiple assets rather than tying an investor's returns to a single asset. How these strategies can provide opportunities for investors who do not want to rely on real estate professional status to take advantage of depreciation. The importance of material participation and understanding whether an investor can actively participate enough to utilize certain tax benefits. What investors should look for in legitimate programs, including cash-flowing assets, contracted revenue, strong counterparties, and bankability. Tax savings should complement a strong investment rather than be the primary reason for making the investment. Today's Panelists: Kirk Chisholm | Innovative Wealth Barbara Friedberg | Barbara Friedberg Personal Finance Phil Weiss | Apprise Wealth Management Follow on Facebook: https://www.facebook.com/moneytreepodcast Follow LinkedIn: https://www.linkedin.com/showcase/money-tree-investing-podcast Follow on Twitter/X: https://x.com/MTIPodcast For more information, visit the full show notes at https://moneytreepodcast.com/tax-strategy-michael-williams-846 

Photographers today are stitching together 4–6 tools across editing, gallery delivery, websites, client management — often spending $2–3K/year, plus constant app-switching.VSCO has built one connected system: editing, client galleries, portfolio sites, booking/business tools, all designed to work together. The point isn't "more features" — it's removing the exporting, re-uploading, and switching that eats a photographer's time.Try VSCO for free today!Now saving when you shop for your favorite gear at B&H Photo is even easier with the B&H Payboo Credit Card which lets you Save the Tax — you pay the tax, and B&H pays you back instantly! (Save the Tax on eligible purchases shipped to eligible states.) OR you can pay over time with our 6 & 12 month financing (on minimum purchases of $199 for 6 months, and $599 for 12 months). Terms apply, learn more at http://bhphoto.com/payboo. Credit card offers are subject to credit approval.Payboo Credit Card Accounts are issued by Comenity Capital BankCheck out PetaPixel Merch: store.petapixel.com/ We use Riverside to record The PetaPixel Podcast in our online recording studio.This week on the PetaPixel Podcast, we're at Sony Kando to discuss Hover Air's last-minute change, new Macs, and Ricoh's very disappointing AI choice. Top creators share the issues plaguing them the most and what camera brands can do to better address them. If you like what you hear, please support us by subscribing, liking, commenting, and reviewing! Every week, the trio go over comments on YouTube and here on PetaPixel, but if you'd like to send a message for them to hear, you can do so through SpeakPipe.In This Episode:00:00 - Intro from Sony Kando06:51 - Photographer Jay Maisel has passed away09:09 - Apple has a new Mac Studio and Mac Mini19:33 - Sony's sensor fab is back to full operation21:20 - Nikon continues to only release cool things in Japan23:03 - HoverAir's flying gimbal camera already got banned in the U.S.25:05 - You can definitely buy the banned DJI Osmo Pocket 4 in the U.S.26:29 - Photo contest chose to selectively enforce its rules, and people are mad31:12 - Xtra and Ricoh used AI to try and sell cameras38:24 - Feel good story of the week42:38 - The challenges creators are facing and how they and camera brands can solve them.

Welcome to "Ahead in the Count," presented by BIP Wealth. Our Baseball Division combines their collegiate and professional baseball playing experience with financial acumen to provide expertise in life on and off the field. We aim to give ballplayers and their families a better understanding about their unique lifestyle, the opportunities that come from playing this game, and insight into the complex financial world. This is "Ahead in the Count," hosted by Nolan Alexander, from BIP Wealth. What You'll Learn in This Episode What a Trump Account is and how children born between January 1, 2025 and December 31, 2028 qualify for a $1,000 government contribution How the account grows through tax-deferred compounding over the child's lifetime with potentially 60+ years of runway The conversion to a traditional IRA at age 18, and why the exact mechanics are still being finalized Early withdrawal rules and penalties, including the first-time homebuyer exception and why you'll still owe income tax even when the 10% penalty is waived Trump Account vs. 529 plan: how to decide which bucket fits your family's goals Tax treatment differences: why 529 withdrawals for education are completely tax-free, while Trump Account withdrawals are taxed as income Recent 529 plan expansions, including qualified use for K-12 private school, professional certifications, and the ability to roll over unused funds into a child's Roth IRA What's next, including recent guidance from the Treasury Secretary on allowing pre-tax employee/payroll contributions to Trump Accounts, similar to a 401(k) Subscribe, rate, and review on Apple Podcasts, Spotify, or wherever you listen. To get in touch with a member of today's show, visit bipwealth.com. CONTACT For more information: jhester@bipwealth.com, kschmidt@bipwealth.com, cmurray@bipwealth.com, jhermida@bipwealth.com Visit: BIPWealth.com

I used AI to generate a financial plan & life roadmap and then I gave this to 2 experts for review. Today I'm thrilled to host Mark McGrath, CFP, and Aravind Sithamparapillai, CFP, on the show.Mark McGrath is a leading Canadian voice in evidence-based finance & founded his own advice-only practice called Phynance, where he helps physicians with financial planning. He is also co-author of “Wealthier: The Investing Field Guide for Canadian Millennials.”Aravind Sithamparapillai is a financial planner and founder of AMA wealth. Last year, Aravind earned his CFP® designation with the highest exam score in the country, placing him at the top of the CFP® Exam President's List. He was also selected for FP Canada's Emerging Leader's Award.Discussion Points:Part 1 - introductions (2:24)- my AI inputs and outputs (5:18)- Mark & Aravind's initial reflections (9:25)Part 2 - Limitations (26:17)- knowing how much one will spend in retirement, stress testing, compensation strategiesPart 3 - Tax efficiency - RRSP debates (43:05)- Individual pension plan (46:01)- Home equity line of credit/HELOC (51:15)- Permanent life insurance (58:40)Part 4 - Top priorities - (1:07:32)Mark McGrath:phynance.ca https://www.linkedin.com/in/markmcgrathcfp/Aravind Sithamparapillai:https://amawealth.ca/https://www.linkedin.com/in/sithamparapillai/Yatin Chadha:Newsletter: https://www.beyondmd.ca/newsletterWebsite: https://www.beyondmd.ca/LinkedIn: https://www.linkedin.com/in/yatin-chadha/Email: yatin@beyondmd.caRadiology Courses for Clinicians:https://beyondradiology.thinkific.com/courses/ct-head-interpretation-coursehttps://beyondradiology.thinkific.com/courses/master-ct-head-interpretation-courseAmex credit card referral link:https://americanexpress.com/en-ca/referral/business-platinum?ref=yATINC4uFw&XLINK=MYCP

John Maytham is joined by Cape Town Mayor and DA mayoral candidate Geordin Hill-Lewis, following his pledge to create at least 500,000 additional jobs in Cape Town over the next five years. Hill-Lewis says this would take the city to one million additional jobs created since the DA took office, with the target being reached by 2031. Presenter John Maytham is an actor and author-turned-talk radio veteran and seasoned journalist. His show serves a round-up of local and international news coupled with the latest in business, sport, traffic and weather. The host’s eclectic interests mean the program often surprises the audience with intriguing book reviews and inspiring interviews profiling artists. A daily highlight is Rapid Fire, just after 5:30pm. CapeTalk fans call in, to stump the presenter with their general knowledge questions. Another firm favourite is the humorous Thursday crossing with award-winning journalist Rebecca Davis, called “Plan B”. Thank you for listening to a podcast from Afternoon Drive with John Maytham Listen live on Primedia+ weekdays from 15:00 and 18:00 (SA Time) to Afternoon Drive with John Maytham broadcast on CapeTalk https://buff.ly/NnFM3Nk For more from the show go to https://buff.ly/BSFy4Cn or find all the catch-up podcasts here https://buff.ly/n8nWt4x Subscribe to the CapeTalk Daily and Weekly Newsletters https://buff.ly/sbvVZD5 Follow us on social media: CapeTalk on Facebook: https://www.facebook.com/CapeTalk CapeTalk on TikTok: https://www.tiktok.com/@capetalk CapeTalk on Instagram: https://www.instagram.com/ CapeTalk on X: https://x.com/CapeTalk CapeTalk on YouTube: https://www.youtube.com/@CapeTalk567 See omnystudio.com/listener for privacy information.

Stew exposed the state-backed propagandists and fake-news "feds" who have infiltrated conservative spaces directly from the halls of the Pentagon. From manufactured X beefs to coordinate cover-ups, Stew sits down with former Charlie Kirk cameraman Mitchell Manley also known as "Artifex Memoriarum" on X to uncover shocking allegations regarding Turning Point USA and its connection to federal handlers.   Join us on KICK https://kick.com/stewpeters   Get your first month for just $5 and join the movement before the fake election season heats up. Unlock exclusive content, behind-the-scenes access, and a community that refuses to be silenced. Join Today: https://StewPeters.tv   Support the network

Alicia and Matthew "Spot" Fulton recap Intuit's "In the Know" webinar, covering new Intuit Enterprise Suite features like intercompany journal entry automation and cross-company bill pay, a major overhaul of the sales tax liability report, phased billing and change orders coming to QBO Advanced for construction, and Playbooks in Intuit Accountant Suite for standardizing client setup across a firm. They also share the news that Spot's business is now officially Cloud Apps Inc., and that Intuit has finally rolled out its ProPartner program tiers.Sponsors:Intuit Accountants - http://uqb.promo/intuitLink My Books - http://uqb.promo/linkmybooksPilot - http://uqb.promo/pilot(00:00) - Welcome and Updates (01:12) - What Is In the Know (03:34) - CPE and How to Watch (04:19) - ProAdvisor News and Webinars (06:33) - Intuit Connect and Workforce Updates (09:21) - Enterprise Suite Polls and Wishlist (13:47) - IES Intercompany Automation (18:40) - Dimensions and Reporting Upgrades (21:44) - Early Access and Beta Features (23:36) - Sales Tax Reports Overhaul (29:32) - New Sales Tax Reports (31:58) - Drilldowns and Custom Views (33:53) - Whats Coming Next (35:52) - Automated Tax Filing Notes (36:11) - Construction Project Phases (38:55) - AIA Billing Workflow (40:55) - Change Orders Upgrade (44:02) - Playbooks in IAS (47:28) - Client Setup Templates (49:57) - Rollout Questions and Pricing (53:18) - Resources and Toolkit (54:26) - Hosts Updates and Wrap LINKSAlicia's upcoming classes! Become a member of the OWLS for free automatic enrollment into all courses:AI in QBO: http://royl.ws/AI?affiliate=5393907Intuit Accountant Suite: http://royl.ws/IAS?affiliate=5393907Customizing QBO: http://royl.ws/CustomizingQBO?affiliate=5393907We want to hear from you!Send your questions and comments to us at unofficialquickbookspodcast@gmail.com.Join our LinkedIn community at https://www.linkedin.com/groups/14630719/Visit our YouTube Channel at https://www.youtube.com/@UnofficialQBOPodcastSign up to Earmark to earn free CPE for listening to this podcasthttps://www.earmark.app/onboarding 

Tax cuts can strengthen incentives to work, save, invest, and build. But what happens when Washington cuts one tax while raising tariffs and continues spending beyond taxpayers' means?Dr. Adam Michel of the Cato Institute joins me to discuss why tax reform and spending restraint must go together. We examine tariffs, deficits, reconciliation, entitlement spending, business investment, and what a simpler, flatter, more pro-growth tax system could look like.The goal isn't simply lower tax rates. It's reducing the overall burden the government places on Americans and creating an economy where people have greater freedom to prosper.Get show notes at vanceginn.substack.com.#TaxPolicy #Economics #FederalSpending #FreeMarkets

Are you waiting until tax season to start thinking about taxes? That could be costing your business money.In this episode of the Know Your Numbers Podcast, Chris McCormack breaks down the quarterly tax planning system used at Better Books to help business owners, real estate investors, and high-income earners take a more proactive approach to taxes.Tax planning isn't something that should only happen in February, March, or April. By then, many of the opportunities to make strategic decisions may already be gone.Instead, effective tax planning starts with accurate bookkeeping and follows a consistent rhythm throughout the year. Chris explains what business owners should be reviewing in Q1, Q2, Q3, and Q4 and how each quarter plays a different role in preparing for and potentially reducing your tax liability.From reviewing your prior-year financials and entity structure to forecasting income, evaluating retirement contributions, considering real estate strategies, accelerating deductions, and deferring income, this episode provides a practical framework for making tax planning a year-round system instead of a last-minute scramble.The tax code isn't just a burden. When you plan ahead, it can become a blueprint for making smarter financial decisions and building long-term wealth.If you found this episode valuable, like, subscribe, leave a review, and share it with another business owner who needs to hear this.••••••••••••••••••••••••••••••••••••••••••••➤➤➤ To become a client, schedule a call with our team➤➤ https://www.betterbooksaccounting.co/booking-calendar/better-books-consultation••••••••••••••••••••••••••••••••••••••••••••Connect with Better Books on Social MediaFacebook: https://www.facebook.com/betterbooksaccounting.coInstagram: https://www.instagram.com/betterbooksaccounting.co→ → → SUBSCRIBE TO BETTER BOOKS' YOUTUBE CHANNEL NOW ← ← ← https://www.youtube.com/@betterbooksaccountingThe Know Your Numbers REI podcast is for general information purposes only and is not intended to provide, and should not be relied on for, tax, legal, or accounting advice. Information on the podcast may not constitute the most up-to-date legal or other information. No reader, user, or listener of this podcast should act or refrain from acting on the basis of information on this podcast without first seeking legal and tax advice from counsel in the relevant jurisdiction. Only your individual attorney and tax advisor can provide assurances that the information contained herein – and your interpretation of it – is applicable or appropriate to your particular situation. Use of, and access to, this podcast or any of the links or resources contained or mentioned within the podcast show and show notes do not create a relationship between the reader, user, or listener and podcast hosts, contributors, or guests.

In our weekly Tick Report, we remind listeners that It may be the end of summer but don't let your guard down on ticks and authoritarians. Robert updates us on authoritarian consolidation, as the U.S. Supreme Court left in place Trump's flagrantly illegal and unconstitutional assaults on mail-in ballots. We highlight the great organizing by western Wisconsin community members and GROWW, that resulted in a judge striking down a CAFO permit from the Wisconsin DNR because it does not do enough to protect groundwater. We briefly review the new MU Law Poll, which unsurprisingly shows a tight rac for Governor. We push back on conventional punditry about the poll's findings. Then we welcome Peter Rickman, president of the MASH union, to discuss why the richest nations in the world, the G20, are coming to Milwaukee in late September. We preview a rally on September 30th where Citizen Action will join with labor and civil society organizations outside the G20 meeting to call for a new trade model that creates good-paying jobs, raises wages, enforces worker rights, strengthens family farms, protects the environment, enables A.I. accountability and otherwise puts people over profits. Speaking of authoritarians, we close the show with State Representative Amaad Rivera-Wagner who lays out the clear case against Elon Musk for violating Wisconsin's campaign finance laws, and the head-shaking decision of the LaCrosse County District Attorney to pass on prosecuting the powerful billionaire.

You just received an inheritance. Now what? Before you sell investments, take distributions, pay off debt, or make a major purchase, it's important to understand exactly what you've inherited and the tax rules that come with it. In this episode, Tyler Emrick, CFA®, CFP®, walks through the biggest financial decisions that can come with an inheritance and explains why some seemingly simple moves can create unintended tax consequences. In this episode, Tyler covers: What to do first after receiving an inheritance. Why you shouldn't immediately liquidate inherited assets. Tax considerations for inherited brokerage accounts, IRAs, Roth IRAs, annuities, and real estate. How inherited IRA distribution rules can create tax planning opportunities. Why you shouldn't automatically keep the investments you inherit. How an inheritance can create an opportunity to rethink asset allocation and asset location. How an inheritance could change your retirement, tax, estate, and spending plans.   Our website:  https://www.truewealthdesign.com/  Phone: 855.TWD.PLAN Contact our team: https://www.truewealthdesign.com/contact-a-financial-advisor/  Schedule your no-cost discovery call: http://bit.ly/calltruewealth    Check out our other no-cost financial resources here: https://www.truewealthdesign.com/financial-resources/    Facebook: https://www.facebook.com/TrueWealthDesign/  LinkedIn: https://www.linkedin.com/company/true-wealth-design/  X: https://x.com/truewealthdesgn    Watch the show now on YouTube: https://www.youtube.com/channel/UCjENBHOti-IEJFqeydZm_Fg?sub_confirmation=1

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Attorney S. Diane Clair. A Georgia-based attorney, real estate law professor at Kennesaw State University, and founder of a law practice specializing in real estate, estate planning, probate, business, and contract law. The discussion focuses on wealth building through real estate investing, asset protection, and estate planning strategies for generational wealth. Purpose of the Interview The primary purpose of the interview was to: Educate listeners about real estate investing opportunities, including lesser-known strategies such as tax liens and tax deeds. [ Stress the importance of working with qualified legal professionals instead of relying on Google, social media, AI tools, or generic legal templates. [ Promote wealth preservation through estate planning, particularly trusts and business structures. [ Encourage minority communities to create estate plans and pass wealth to future generations. [ Key Takeaways 1. Don't Rely Solely on Google, Social Media, or AI for Legal Advice Clair warns that many individuals attempt to create wills, trusts, and legal documents online without professional guidance. She emphasizes that legal matters require experienced attorneys because AI and internet sources may provide incomplete or incorrect information. Why it Matters Legal mistakes can create costly problems later. AI-generated content can be inaccurate. Estate planning and real estate transactions require professional review. 2. Real Estate Is a Powerful Wealth-Building Tool Clair argues that real estate remains one of the strongest ways to build and transfer wealth between generations. She highlights its relative stability compared to stock market fluctuations. Benefits Mentioned Builds long-term wealth Generates passive income Creates assets that can be inherited Helps achieve financial freedom [ 3. Start Real Estate Investing Through a Business Entity One of Clair's first recommendations is to establish a legal business structure before purchasing investment properties. Recommended Structures LLC Corporation Other formal business entities [ She repeatedly stresses that investment assets ideally should not be owned in an individual's personal name. 4. You Don't Need Large Amounts of Money to Invest A major myth she debunks is that real estate investing requires significant capital. Entry-Level Strategies Tax liens Tax deeds Foreclosure purchases Fix-and-flip projects Rental properties [ According to Clair, investors can begin with relatively small amounts by purchasing tax liens and earning interest when property owners redeem them. [ 5. Estate Planning Is Largely Ignored Clair shares a startling statistic: Approximately 64% of Americans do not have an estate plan. Among minorities, that number rises to about 70%. [ She believes the problem is educational rather than financial, noting that even wealthy celebrities frequently fail to plan their estates. 6. Trusts Are Better Than Wills for Many Situations Clair strongly favors trusts, especially irrevocable trusts, as vehicles for preserving wealth. Advantages of Trusts Avoid probate Potential tax benefits Asset protection Easier transfer of wealth Can operate while the creator is still alive Difference Between a Will and a Trust Will Takes effect after death Goes through probate court Directs distribution of assets Trust Can function during the owner's lifetime Avoids probate Can provide stronger protection and tax advantages [ 7. Asset Protection Is Essential Clair explains that trusts can own: Real estate Bank accounts Businesses Investments Other valuable assets Because the trust, rather than the individual, owns the property, there can be additional protection from lawsuits and claims. Notable Quotes On Legal Services Beyond Personal Injury Law "You can hire lawyers for way more, and we can assist you in way more." [ On Using AI for Legal Matters "AI is not really something you want to trust... It creates and makes up stuff." [ On Professional Guidance "You want to book a consultation with an attorney." On Real Estate Investing "A lot of people have that misconception that you have to have a lot of money to start investing in real estate, and that's not true." On Generational Wealth "Real estate is something that is the best thing to invest in and pass down to future generations." [ On Estate Planning "This is not a money thing... It's an education thing." [ On Trusts "The best estate planning instrument is always going to be a trust." On Asset Ownership "Don't have anything in your own name, have it in the name of the trust or in the business." Overall Message Attorney Diane Clair's central message is that wealth creation and wealth preservation must work together. Building assets through real estate is important, but equally important is protecting those assets through proper business structures, trusts, estate planning, and professional legal guidance. The interview encourages listeners, especially entrepreneurs and minority communities, to think long term about generational wealth, asset protection, and financial legacy rather than short-term gains. [#BEST #STRAW #SHMS Money Making Conversations Master Class with Rushion McDonald is America's premier entrepreneurship, business leadership, financial literacy, and wealth-building podcast featuring successful entrepreneurs, executives, founders, celebrities, and industry experts sharing actionable insights for professional and financial success. Business Podcast Entrepreneurship Small Business Business Growth Financial Literacy Wealth Building Black Entrepreneurs Minority Business Leadership Executive Leadership Business Funding Marketing Strategies Personal Development Startup Advice Sales Training CEO Interviews Founder Stories Professional Development Economic Empowerment Business Success Networking Brand Building Innovation How to start a business Small business funding Entrepreneur success stories Business leadership podcast Wealth building strategies Black entrepreneur podcast Minority business development Marketing for small businesses Business growth strategies Startup funding opportunities Executive leadership training Financial literacy education Success mindset podcastSupport the show: https://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Attorney S. Diane Clair. A Georgia-based attorney, real estate law professor at Kennesaw State University, and founder of a law practice specializing in real estate, estate planning, probate, business, and contract law. The discussion focuses on wealth building through real estate investing, asset protection, and estate planning strategies for generational wealth. Purpose of the Interview The primary purpose of the interview was to: Educate listeners about real estate investing opportunities, including lesser-known strategies such as tax liens and tax deeds. [ Stress the importance of working with qualified legal professionals instead of relying on Google, social media, AI tools, or generic legal templates. [ Promote wealth preservation through estate planning, particularly trusts and business structures. [ Encourage minority communities to create estate plans and pass wealth to future generations. [ Key Takeaways 1. Don't Rely Solely on Google, Social Media, or AI for Legal Advice Clair warns that many individuals attempt to create wills, trusts, and legal documents online without professional guidance. She emphasizes that legal matters require experienced attorneys because AI and internet sources may provide incomplete or incorrect information. Why it Matters Legal mistakes can create costly problems later. AI-generated content can be inaccurate. Estate planning and real estate transactions require professional review. 2. Real Estate Is a Powerful Wealth-Building Tool Clair argues that real estate remains one of the strongest ways to build and transfer wealth between generations. She highlights its relative stability compared to stock market fluctuations. Benefits Mentioned Builds long-term wealth Generates passive income Creates assets that can be inherited Helps achieve financial freedom [ 3. Start Real Estate Investing Through a Business Entity One of Clair's first recommendations is to establish a legal business structure before purchasing investment properties. Recommended Structures LLC Corporation Other formal business entities [ She repeatedly stresses that investment assets ideally should not be owned in an individual's personal name. 4. You Don't Need Large Amounts of Money to Invest A major myth she debunks is that real estate investing requires significant capital. Entry-Level Strategies Tax liens Tax deeds Foreclosure purchases Fix-and-flip projects Rental properties [ According to Clair, investors can begin with relatively small amounts by purchasing tax liens and earning interest when property owners redeem them. [ 5. Estate Planning Is Largely Ignored Clair shares a startling statistic: Approximately 64% of Americans do not have an estate plan. Among minorities, that number rises to about 70%. [ She believes the problem is educational rather than financial, noting that even wealthy celebrities frequently fail to plan their estates. 6. Trusts Are Better Than Wills for Many Situations Clair strongly favors trusts, especially irrevocable trusts, as vehicles for preserving wealth. Advantages of Trusts Avoid probate Potential tax benefits Asset protection Easier transfer of wealth Can operate while the creator is still alive Difference Between a Will and a Trust Will Takes effect after death Goes through probate court Directs distribution of assets Trust Can function during the owner's lifetime Avoids probate Can provide stronger protection and tax advantages [ 7. Asset Protection Is Essential Clair explains that trusts can own: Real estate Bank accounts Businesses Investments Other valuable assets Because the trust, rather than the individual, owns the property, there can be additional protection from lawsuits and claims. Notable Quotes On Legal Services Beyond Personal Injury Law "You can hire lawyers for way more, and we can assist you in way more." [ On Using AI for Legal Matters "AI is not really something you want to trust... It creates and makes up stuff." [ On Professional Guidance "You want to book a consultation with an attorney." On Real Estate Investing "A lot of people have that misconception that you have to have a lot of money to start investing in real estate, and that's not true." On Generational Wealth "Real estate is something that is the best thing to invest in and pass down to future generations." [ On Estate Planning "This is not a money thing... It's an education thing." [ On Trusts "The best estate planning instrument is always going to be a trust." On Asset Ownership "Don't have anything in your own name, have it in the name of the trust or in the business." Overall Message Attorney Diane Clair's central message is that wealth creation and wealth preservation must work together. Building assets through real estate is important, but equally important is protecting those assets through proper business structures, trusts, estate planning, and professional legal guidance. The interview encourages listeners, especially entrepreneurs and minority communities, to think long term about generational wealth, asset protection, and financial legacy rather than short-term gains. [#BEST #STRAW #SHMS Money Making Conversations Master Class with Rushion McDonald is America's premier entrepreneurship, business leadership, financial literacy, and wealth-building podcast featuring successful entrepreneurs, executives, founders, celebrities, and industry experts sharing actionable insights for professional and financial success. Business Podcast Entrepreneurship Small Business Business Growth Financial Literacy Wealth Building Black Entrepreneurs Minority Business Leadership Executive Leadership Business Funding Marketing Strategies Personal Development Startup Advice Sales Training CEO Interviews Founder Stories Professional Development Economic Empowerment Business Success Networking Brand Building Innovation How to start a business Small business funding Entrepreneur success stories Business leadership podcast Wealth building strategies Black entrepreneur podcast Minority business development Marketing for small businesses Business growth strategies Startup funding opportunities Executive leadership training Financial literacy education Success mindset podcastSee omnystudio.com/listener for privacy information.

Asking for the bill is one of the most important things to learn in any language. But חשבון, in Hebrew, is about much more than just settling the account. Guy explains how Israelis do self-reflection, how they break even… and how they don't give a damn. Hear the All-Hebrew Episode on Patreon   New Words and Expressions: Heshbon, heshbonot (m.) – Bill, bills – חשבון, חשבונות Heshbon bank – Bank account – חשבון בנק Heshbon hotsa'ot – Expense account – חשבון הוצאות Heshbon nefesh – Self examination – חשבון נפש Lehavi / Lakachat be-heshbon – To take into consideration – להביא / לקחת בחשבון Kach / K'chi / K'choo be-heshbon she- – Take into consideration that… (Imp.) – קח / קחי / קחו בחשבון K'chi be-heshbon she-kar – Take into consideration that it's cold – קחי בחשבון שקר Kach be-heshbon she-yakar sham – Take into consideration that it's expensive there – קח בחשבון שיקר שם Lo ba be-heshbon – It's out of the question – לא בא בחשבון "Panim she-lo osot heshbon" – A face that does not give a damn – פנים שלא עושות חשבון Hu lo dofek heshbon – He doesn't give a damn – הוא לא דופק חשבון Ma, ata dofek heshbon le-mishehu? – Do you care about others? – מה, אתה דופק חשבון למישהו Hi sogeret heshbonot – She's clearing the table – היא סוגרת חשבונות Hisool heshbonot – Score settling – חיסול חשבונות Zeh al heshboncha? – Is it at your expense – זה על חשבונך Al heshbon ha-bayit – On the house – על חשבון הבית Zeh al heshbonenu – This is on our account – זה על חשבוננו Heshbon aroch – A long-standing score – חשבון ארוך Yesh li heshbon aroch ito – I have a long-standing score to settle with him – יש לי חשבון ארוך איתו Be-heshbon pashut – In simple arithmetic – בחשבון פשוט Ro'eh heshbon – Accountant – רואה חשבון Heshbona'ut / Re'iyat heshbon – Accounting – חשבונאות / ראיית חשבון Hanhalat heshbonot – Bookkeeping – הנהלת חשבונות Menahel / menahelet heshbonot – Bookkeeper – מנהל / מנהלת חשבונות Tavi'i cheshbonit – Bring an invoice (imp. f.) – תביאי חשבונית Heshbonit mas – Tax invoice – חשבונית מס Lehashben le-mishehu – To care too much about something – לחשבן למישהו Lehitchashben – To settle accounts with someone – להתחשבן Bo nitchashben ba-sof – Let's do the math at the end – בוא נתחשבן בסוף Ma, ata mitchashben iti al cafe? – Forget it, it's just a coffee, my treat! – מה, אתה מתחשבן איתי על קפה Hitchashbenut – Settling an account – התחשבנות    Playlist and Clips: Ariel Zilber – Holech Batel (lyrics) Ofra Haza – Shir Ha-frecha (lyrics) Rami Kleinstein & Ha-mo'atsa – Ha-boker At Holechet (lyrics) Tea Packs & Alma Zak – Perech Ha-shchunot (lyrics) Ep. 172 about to knock Ep. 440 about receipt and invoice HEB

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Attorney S. Diane Clair. A Georgia-based attorney, real estate law professor at Kennesaw State University, and founder of a law practice specializing in real estate, estate planning, probate, business, and contract law. The discussion focuses on wealth building through real estate investing, asset protection, and estate planning strategies for generational wealth. Purpose of the Interview The primary purpose of the interview was to: Educate listeners about real estate investing opportunities, including lesser-known strategies such as tax liens and tax deeds. [ Stress the importance of working with qualified legal professionals instead of relying on Google, social media, AI tools, or generic legal templates. [ Promote wealth preservation through estate planning, particularly trusts and business structures. [ Encourage minority communities to create estate plans and pass wealth to future generations. [ Key Takeaways 1. Don't Rely Solely on Google, Social Media, or AI for Legal Advice Clair warns that many individuals attempt to create wills, trusts, and legal documents online without professional guidance. She emphasizes that legal matters require experienced attorneys because AI and internet sources may provide incomplete or incorrect information. Why it Matters Legal mistakes can create costly problems later. AI-generated content can be inaccurate. Estate planning and real estate transactions require professional review. 2. Real Estate Is a Powerful Wealth-Building Tool Clair argues that real estate remains one of the strongest ways to build and transfer wealth between generations. She highlights its relative stability compared to stock market fluctuations. Benefits Mentioned Builds long-term wealth Generates passive income Creates assets that can be inherited Helps achieve financial freedom [ 3. Start Real Estate Investing Through a Business Entity One of Clair's first recommendations is to establish a legal business structure before purchasing investment properties. Recommended Structures LLC Corporation Other formal business entities [ She repeatedly stresses that investment assets ideally should not be owned in an individual's personal name. 4. You Don't Need Large Amounts of Money to Invest A major myth she debunks is that real estate investing requires significant capital. Entry-Level Strategies Tax liens Tax deeds Foreclosure purchases Fix-and-flip projects Rental properties [ According to Clair, investors can begin with relatively small amounts by purchasing tax liens and earning interest when property owners redeem them. [ 5. Estate Planning Is Largely Ignored Clair shares a startling statistic: Approximately 64% of Americans do not have an estate plan. Among minorities, that number rises to about 70%. [ She believes the problem is educational rather than financial, noting that even wealthy celebrities frequently fail to plan their estates. 6. Trusts Are Better Than Wills for Many Situations Clair strongly favors trusts, especially irrevocable trusts, as vehicles for preserving wealth. Advantages of Trusts Avoid probate Potential tax benefits Asset protection Easier transfer of wealth Can operate while the creator is still alive Difference Between a Will and a Trust Will Takes effect after death Goes through probate court Directs distribution of assets Trust Can function during the owner's lifetime Avoids probate Can provide stronger protection and tax advantages [ 7. Asset Protection Is Essential Clair explains that trusts can own: Real estate Bank accounts Businesses Investments Other valuable assets Because the trust, rather than the individual, owns the property, there can be additional protection from lawsuits and claims. Notable Quotes On Legal Services Beyond Personal Injury Law "You can hire lawyers for way more, and we can assist you in way more." [ On Using AI for Legal Matters "AI is not really something you want to trust... It creates and makes up stuff." [ On Professional Guidance "You want to book a consultation with an attorney." On Real Estate Investing "A lot of people have that misconception that you have to have a lot of money to start investing in real estate, and that's not true." On Generational Wealth "Real estate is something that is the best thing to invest in and pass down to future generations." [ On Estate Planning "This is not a money thing... It's an education thing." [ On Trusts "The best estate planning instrument is always going to be a trust." On Asset Ownership "Don't have anything in your own name, have it in the name of the trust or in the business." Overall Message Attorney Diane Clair's central message is that wealth creation and wealth preservation must work together. Building assets through real estate is important, but equally important is protecting those assets through proper business structures, trusts, estate planning, and professional legal guidance. The interview encourages listeners, especially entrepreneurs and minority communities, to think long term about generational wealth, asset protection, and financial legacy rather than short-term gains. [#BEST #STRAW #SHMS Money Making Conversations Master Class with Rushion McDonald is America's premier entrepreneurship, business leadership, financial literacy, and wealth-building podcast featuring successful entrepreneurs, executives, founders, celebrities, and industry experts sharing actionable insights for professional and financial success. Business Podcast Entrepreneurship Small Business Business Growth Financial Literacy Wealth Building Black Entrepreneurs Minority Business Leadership Executive Leadership Business Funding Marketing Strategies Personal Development Startup Advice Sales Training CEO Interviews Founder Stories Professional Development Economic Empowerment Business Success Networking Brand Building Innovation How to start a business Small business funding Entrepreneur success stories Business leadership podcast Wealth building strategies Black entrepreneur podcast Minority business development Marketing for small businesses Business growth strategies Startup funding opportunities Executive leadership training Financial literacy education Success mindset podcastSteve Harvey Morning Show Online: http://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

In episode 265 , Jason Heinritz challenges us to reevaluate our understanding of satisfaction. For most of his life, Jason found his satisfaction in his pursuits and reputation... except he didn't. There was always more, always better, and he had a growing sense that he was missing something. God met him in that moment, revealing that Spirit-led satisfaction looked far different than he anticipated, and was immeasurably more than he was asking or imagining.When has God helped you feel satisfied?Discover more from Jason:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://wakeupjesuspeople.comhttps://www.facebook.com/cutcojasonhttps://www.youtube.com/@heinritzjr28https://www.instagram.com/jasonheinritzhttps://www.linkedin.com/in/jason-r-heinritz~Paul creates this as part of his full-time volunteer ministry.If you appreciate what God is doing through this podcast, you can help keep it going through financial support. Tax-deductible gifts are processed at  ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://worldoutreach.org/707 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠~"Something in the Froth" is now available!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠www.wheredidyouseeGod.com/something-in-the-froth⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The "Year of Books":⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠www.wheredidyouseeGod.com/year-of-books⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠~Have a story to share? Hard questions to process? A desire for authentic, accessible space? Send Paul Granger a message on PodMatch:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.podmatch.com/hostdetailpreview/wheredidyouseegod⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Learn more about having a conversation (with a twist!) at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠www.wheredidyouseegod.com/conversation-with-a-twist⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠~Check out our website: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠www.WhereDidYouSeeGod.com ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠~One of these books will be relevant to your life right now:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://amazon.com/author/paulgranger⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠~Wear an amazing conversation-starter!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.bonfire.com/store/where-did-you-see-god/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠~The music in this episode is "You'll walk, you'll run" by Urban Doxology, from their amazing album "Bread for the Journey."~Learn more about how God's calling us:Pray: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠tinyurl.com/GrangerPray⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Follow: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠tinyurl.com/GrangerList⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Give: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠worldoutreach.org/707⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠~#authenticspace #dialogue #Godstillspeaks #WDYSG #conversation #invitation #Riversidefm #PodMatch #faith #stories #calling #invitation #faithfulness #ministry #listening #prayer

Franco Terrazzano is the Federal Director of the Canadian Taxpayers Federation. A University of Calgary economics and public policy graduate, he previously worked with the Calgary Chamber of Commerce and the Canadian Constitution Foundation. He advocates for lower taxes, reduced waste, and more accountable government, and is the author of Axing the Tax.Cornerstone Forum 26'https://shaunnewmanpodcast.substack.com/Silver Gold Bull Links:Website: https://silvergoldbull.ca/Email: SNP@silvergoldbull.comText Grahame: (587) 441-9100Bow Valley Credit UnionBitcoin: www.bowvalleycu.com/en/personal/investing-wealth/bitcoin-gatewayEmail: welcome@BowValleycu.com Get your voice heard: Text Shaun 587-217-8500

Learn the inside story of immigration, startups, and entrepreneurship with leading immigration attorney Tahmina Watson.What does it take to turn the challenges of immigration into entrepreneurial success? Tahmina Watson, founder of Watson Immigration Law, Forbes Business Council member, author, and advocate, sits down with Glenn Harper and Julie Smith to discuss her own immigrant journey, the realities of U.S. immigration law, and the mindset required to build both a meaningful business and life.In this candid conversation, listeners will learn:The personal story behind Tahmina's move from the UK to America and starting over as a legal professional 02:48How her experiences led her to become a specialist in immigration law for entrepreneurs and startups 07:43Practical insights into visa options and the unique barriers immigrant entrepreneurs face in the U.S. 27:05What it really takes to launch and grow a values-driven law firm, including team building and business lessons 33:01Methods for balancing entrepreneurship, meaningful work, and self-care, plus Tamina's surprising passion for bird photography 40:42Whether you're an aspiring immigrant founder, a business owner, or someone passionate about social impact, Tahmina's transparency and expertise will inspire you to turn personal challenges into professional purpose.This episode is brought to you by PureTax, LLC. Tax preparation services without the pressure. When all you need is to get your tax return done, take the stress out of tax season by working with a firm that has simplified the process and the pricing. Find out more about how we started.Takeaways:Navigating the path from immigrant to entrepreneur requires resilience, support, and the willingness to embrace new opportunities.The U.S. immigration system for entrepreneurs is complex and constantly evolving, and understanding visa options and legal nuances is critical.Building a business as an immigrant includes unique stressors; having a mission and outlets like bird photography can sustain long-term success.Authorship and advocacy can amplify your impact beyond client work and open unexpected doors.Running a business doesn't have to run your life.Without a business partner who holds you accountable, it's easy to be so busy ‘doing' business that you don't have the right strategy to grow your business.Stop letting your business run you. At Harper & Co CPA Plus, we know that you want to be empowered to build the lifestyle you envision. In order to do that you need a clear path to follow for successOur clients enjoy a proactive partnership with us. Schedule a consultation with us today.Download our free guide - Entrepreneurial Success Formula: How to Avoid Managing Your Business From Your Bank Account.Glenn Harper, CPA, is the Owner and Managing Partner of Harper & Company CPAs Plus, a top 10 Managing Partner in the country (Accounting Today's 2022 MP Elite). His firm won the 2021 Luca Award for Firm of the Year. An entrepreneur and speaker, Glenn transformed his firm into an advisory-focused practice, doubling revenue and profit in two years. He teaches entrepreneurs to build financial and operational excellence, speaks nationwide to CPA firm owners about running their businesses like entrepreneurs, and consults with firms across the country. Glenn enjoys golfing, fishing, hiking, cooking, and spending time with his family.Julie Smith, MBA, is a serial entrepreneur in the public accounting space. She is the Founder of EmpowerCPA™, Founder of PureTax, LLC, COO for Harper & Company CPAs Plus, and Co-host of the Empowering Entrepreneurs podcast. Named CPA.com's 2021 Innovative Practitioner of Year, Julie led Harper & Company's transition to an advisory-focused firm, doubling revenue and profit in two years. She now empowers other CPA firm owners nationwide through consulting and speaking, teaching them how to run their businesses like entrepreneurs. Julie lives in Columbus, OH with her family and enjoys travel, coaching basketball, sporting events, and the occasional shopping spree.https://creativecommons.org/licenses/by-nd/4.0/Copyright 2026 Glenn HarperMentioned in this episode:Brought to you by Harper & Company CPAs PlusRunning a business takes vision, grit… and the right financial partner. At Harper & Company CPAs Plus, we don't just crunch numbers—we empower entrepreneurs. From proactive tax strategy and accounting to business advisory services, our team helps you keep more of what you earn and scale with confidence. Whether you're launching, growing, or preparing for exit, Harper & Company is in your corner with expert guidance built for business owners like you. Visit www.harpercpaplus.com to book a complimentary discovery call today - or call us at 614-456-7222. Brought to you by Harper & Company CPAs Plus

Andrew Wilson promised undeniable receipts that would shut down the questions surrounding Charlie Kirk's death—but what he released raises even more questions. Stew tears into the alleged messages, the security claims, and the contradictions surrounding the official story. Dan Bilzerian joins Stew to break down the shocking vote-count discrepancy he says occurred during his Florida 6 congressional race, including the sudden shift of roughly 2,000 votes and the unanswered questions surrounding the count.   Join us on KICK https://kick.com/stewpeters   Get your first month for just $5 and join the movement before the fake election season heats up. Unlock exclusive content, behind-the-scenes access, and a community that refuses to be silenced. Join Today: https://StewPeters.tv   Support the network

And we're back... Iggy gives a slightly angry compliment to DMV. Real ID's. Tax talk. Where does Iggy do laundry? Iggy's offer from ESPN in 2001. Texting. See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

For more than a decade, the federal government's biggest tool for accelerating clean energy hasn't been a grant or a loan. It's been the tax code. Tax credits have driven the buildout of wind, solar, and now a much wider range of technologies, like storage, nuclear, and advanced manufacturing. But there's a catch: most of the companies earning those credits don't have enough tax liability to actually use them themselves. A clean energy developer can be sitting on tens of millions of dollars in value that's slowly losing worth simply because they can't cash it in. In 2022, the Inflation Reduction Act tried to fix that by making these credits transferable for the first time ever — sellable directly, for cash, to a company that can use them. It created a brand-new, multi-billion-dollar market overnight, with no playbook and no established way for buyers and sellers to even find each other. Our guest today set out to build the infrastructure this new market needed. Alfred Johnson is the Co-Founder and CEO of Crux, an AI-native capital platform for clean energy and manufacturing infrastructure. Crux got its start in transferable tax credits, and has since expanded into tax equity investment and debt origination, leveraging software, data, and AI to cover the full capital stack for energy and manufacturing infrastructure. Alfred grew up around politics in Washington, DC, and spent nearly two decades moving between government, finance, and technology before his wife, Emily, pushed him to build something in clean energy. In our conversation, Alfred walks me through his journey, and what it takes to build the capital markets infrastructure this country needs to power its clean energy future. Today, Crux has raised more than $77 million, grown to more than 120 employees, and facilitated nearly $10 billion in transactions across the clean energy economy. About Powerhouse Innovation and Powerhouse Ventures  Powerhouse Ventures backs seed stage founders building the future power system across energy, infrastructure, and AI. If you are thinking about building something in this space, get in touch with our team. Powerhouse Innovation is a best in class consulting firm, powered by the strongest energy innovation network, data and team in our industry. We partner with world's leading corporations, investors, and utilities to source and evaluate disruptive startups shaping the future of energy and industry. To hear more stories of founders building our energy abundant future, hit the “subscribe” button and leave us a review.

How much cash should you have set aside as you enter the early years of retirement so you can weather market downturns without constant worry? In this episode of Retirement Answers, Jacob Duke explains Rivertree's bucket strategy: keep two years of portfolio-withdrawal needs in cash (money market) and three years in short-duration fixed income to create a five-year runway, while avoiding being overly conservative and losing purchasing power to inflation. He also walks through how to take withdrawals in practice—generally pulling from what has gone up the most or down the least—and how to proactively replenish cash and bond buckets after strong market periods or following a decline.

New York City's Pied-à-Terre Tax Episode 397 – Affluent individuals owning real estate in New York City may now be subject to a “wealth” tax. More SML Planning Minute Podcast Episodes Transcript of Podcast Episode 397 Hello, this is Bill Rainaldi, with another edition of Security Mutual's SML Planning Minute. In today's episode: New York City's Pied-à-Terre Tax. Affluent individuals owning real estate in New York City may now be subject to a “wealth” tax. If you own a second home in New York City, perhaps because you reside permanently in a different state but love the city in the spring or fall, or if you're a real estate investor or reverse snowbird, then you may be in for a surprise. On July 1, 2026, a new law commonly referred to as the NYC Pied-à-Terre surtax became effective.[1] According to the Merriam-Webster dictionary, the phrase pied-à-terre is a French phrase that means “a temporary or second lodging.”[2] Final rules were published on July 14, 2026.[3] The new law covers one to three family homes (“Class One” properties) and residential condominiums and co-ops (“Class Two” properties) which are not the primary residence of an individual. Individuals who own one of these types of properties are subject to an annual tax surcharge. If the property is owned by multiple individuals, or through a business entity such as a corporation or limited liability company, the person holding the majority interest is assessed the surcharge. If the property is owned by a trust, the responsible individual is the trust's beneficial owner, provided the owner is the sole beneficiary of the trust. An exemption applies if it can be shown that as of January 5 immediately before the relevant year at issue, the property was occupied as a primary residence for a period of at least one year by the individual or an immediate family member. The final rules provide some clarity on the application of this new law, but questions remain, particularly if: there are multiple trust beneficiaries; it is difficult to determine who holds a majority interest; there is ownership of multiple properties; exemptions may apply; the resident may be temporarily confined to a medical or care facility; etc. The NYC Department of Finance (“DOF”) determines if the surtax applies each year. There are two valuation methods and taxes that are used. Phase One lasts through June 30, 2028, and Phase Two begins on July 1, 2028. During Phase One, the market value of Class One properties must be valued at $5 million or above but for Class Two properties, the valuation minimum is $1 million. For Class One properties, the tax ranges from 0.8% to 1.3% of market value depending upon various valuation breakpoints. For Class Two properties, the tax ranges from 4.0% to 6.5% of market value again depending upon various valuation breakpoints. The large differences in valuation and tax are due to the way the DOF currently values condos and co-ops for real property tax purposes. In Phase Two, a single minimum $5 million valuation and only one rate schedule will apply to all properties after changes to the valuation process. The DOF has commenced sending out notices, notifying homeowners that the DOF believes their property is subject to the surtax and the projected amount. The DOF is supposed to complete these notices no later than August 30, 2026. The appeals process generally starts 30 days after the notice is transmitted, NOT when it is received. Since the law is new and there are many issues left unclear, the DOF has created a dedicated page on its website with frequently asked questions and other information at https://www.nyc.gov/site/finance/property/non-primary-residence-surcharge.page. The new law is complicated, with questions remaining unanswered. Therefore, anybody who owns a second home in New York City that may have market valuations exceeding those mentioned should immediately consult with a tax professional or real estate attorney in New York to determine if they may be subject to the new wealth surtax. Owners must ensure that their contact information with the DOF is accurate since the appeals process is not dependent upon receipt of a notice. Note also that this wealth tax is applied against the entire market valuation of the residence and not just the portion exceeding the minimums. [1] N.Y. Tax law Section 1350; N.Y.C. Admin. Code Section 11-3202. [2] Merriam-Webster. “Definition: pied-à-terre.” Merriam-Webster.com. https://www.merriam-webster.com/dictionary/pied-%C3%A0-terre (accessed July 31, 2026) [3] 19 RCNY Chapter 62 More SML Planning Minute Podcast Episodes This podcast is brought to you by Security Mutual Life Insurance Company of New York, The Company That Cares®. The content provided is intended for educational and informational purposes only. Information is provided in good faith. However, the Company makes no representation or warranty of any kind regarding the accuracy, reliability, or completeness of the information. The information presented is designed to provide general information regarding the subject matter covered. It is not to serve as legal, tax or other financial advice related to individual situations, because each individual's legal, tax and financial situation is different. Specific advice needs to be tailored to your situation. Therefore, please consult with your own attorney, tax professional and/or other advisors regarding your specific situation. To help reach your goals, you need a skilled professional by your side. Contact your local Security Mutual life insurance advisor today. As part of the planning process, he or she will coordinate with your other advisors as needed to help you achieve your financial goals and objectives. For more information, visit us at SMLNY.com/SMLPodcast. If you've enjoyed this podcast, tell your friends about it. And be sure to give us a five-star review. And check us out on LinkedIn, YouTube and Twitter. Thanks for listening, and we'll talk to you next time. Tax laws are complex and subject to change. The information presented is based on current interpretation of the laws. Neither Security Mutual nor its agents are permitted to provide tax or legal advice. The applicability of any strategy discussed is dependent upon the particular facts and circumstances. Results may vary, and products and services discussed may not be appropriate for all situations. Each person's needs, objectives and financial circumstances are different, and must be reviewed and analyzed independently. We encourage individuals to seek personalized advice from a qualified Security Mutual life insurance advisor regarding their personal needs, objectives, and financial circumstances. Insurance products are issued by Security Mutual Life Insurance Company of New York, Binghamton, New York. Product availability and features may vary by state.​ SubscribeApple PodcastsSpotifyAndroidPandoraby EmailTuneInDeezerRSSMore Subscribe Options

Billionaires are easy to hate. And there are several efforts underway to get them to pay their “fair share.” In this episode, Max argues that focusing on taxing billionaires is the wrong discussion and distracts from attaining the tax policy we truly need. Instead of focusing on the individual billionaires, focus on preventing individuals from becoming billionaires. The real story is corporate taxes. Resources Legal Information Institute: Tax Cuts and Jobs Act of 2017 (TCJA) Center on Budget and Policy Priorities: The 2017 Trump Tax Law Was Skewed to the Rich, Expensive, and Failed to Deliver on Its Promises Tax Policy Center: What is the TCJA repatriation tax and how does it work? Board of Governors of the Federal Reserve System: U.S. Corporations’ Repatriation of Offshore Profits: Evidence from 2018 The White House: White House Office of Management and Budget’s Office of Information and Regulatory Affairs Releases End of Year Deregulatory Stats: Showing the Trump Administration Has Best Deregulation Year in History The Washington Times: Impact of Trump’s 646 deregulatory actions diluted by tariffs, executive orders Federal Reserve Bank of New York: Who Is Paying for the 2025 U.S. Tariffs? Elizabeth Warren: Warren Pushes Giant Corporations to Give Billions in Tariff Refunds Back to Consumers npr: Companies are getting tariff refunds of up to $2 billion from the Trump administration CNN: Corporate America got billions of dollars in tariff refunds. Where’s your cut? Congressional Budget Office: Monthly Budget Review: February 2026 Wall Street Journal: Tariff Revenue Exceeded Corporate Taxes as 2025 Ended npr: Proposed California wealth tax sparks debate: Will billionaires leave the state? The New York Times: Founders Wade Into the Wealth Tax Debate Democratic Socialists of America Democracy: A Journal of Ideas: Why Corporations Must Pay More UNFTR Resources Video: Why Taxing Billionaires Won’t Save Us. Essay: Don’t Tax the Rich. Cut Them Off. Episode: Updated Tax Evasion Figures. Video: On The Record 8-17-26 (The AI Bubble is About to Burst | Corporate Control of Trump.) 5 Non-Negotiables -- If you like #UNFTR, please leave us a rating and review on Apple Podcasts and Spotify: unftr.com/rate and follow us on Facebook, Bluesky, and Instagram at @UNFTRpod. Visit us online at unftr.com. Become a member at unftr.com/memberships. Buy yourself some Unf*cking Coffee at shop.unftr.com. Visit our bookshop.org page at bookshop.org/shop/UNFTRpod to find the full UNFTR book list, and find book recommendations from our Unf*ckers at bookshop.org/lists/unf-cker-book-recommendations. Access the UNFTR Musicless feed by following the instructions at unftr.com/accessibilitySupport the show: https://www.unftr.com/membershipsSee omnystudio.com/listener for privacy information.

Are you confused by your FedEx retro pay deposit? Learn why your payout looks lower than expected and how to manage the funds effectively.This video provides clarity for FedEx employees who have recently received payments from the five-year contract dispute. If you are wondering why the net amount in your bank account does not match your calculations, you need to understand the role of mandatory tax withholding. This breakdown explains exactly why those deductions occur and clarifies that they are standard government requirements outside of company control.While the tax withholding on your FedEx retro pay is non-negotiable, you do have full control over your financial planning moving forward. This video outlines practical steps to handle your retroactive pay taxes so you can make informed decisions with the remaining balance. Whether you are planning to save or pay down debt, understanding how you use this lump-sum from the FedEx contract dispute settlement is the first step toward better financial management.YOU'RE A FEDEX PILOT? GO HERE https://fedexpilotretropay.com/JOIN OUR FREE SKOOL COMMUNITY - https://www.skool.com/ibc-community-7282VISIT OUR WEBSITE FOR MORE RESOURCES - https://thewealthwarehousepodcast.com/AND - https://cospark.us/Chapters00:00 Intro02:10 The Power of Paying Yourself First02:56 Understanding the Survivor Benefit Plan05:08 Risks and Alternatives to Survivor Benefits07:01 Using Whole Life Insurance for Wealth and Security11:53 Market Volatility and the Buffer of Whole Life Insurance17:09 Creating a Non-Market Correlated Asset19:57 Leaving a Tax-Free Legacy22:06 Three Easy Ways to Get Started32:48 Advanced Strategies and Wrap-Upkey topics-Retirement lump sum strategies-Survivor benefit plan risks and alternatives-Using whole life insurance as a financial tool-Market diversification and volatility buffer-Tax-free legacy creationMusic licensed through Soundstripe. Code: ZFXBMJSIAGIPK6UY, LVMN7BQMUNVAMKNQ, LHZU7TAPOTBENINGDISCLAIMER: Licensed Authorized Infinite Banking Practitioners. Educational purposes only. Schedule consultation for personalized advice

If your practice has been using the same retirement plan for years simply because "it works," you may be leaving valuable planning opportunities on the table.   On this episode of 20/20 Money: The Business of Optometry, I'm joined by Jared Porter, co-founder of 401GO, for a practical conversation about how much the qualified retirement plan landscape has changed—and why optometric practice owners should periodically reevaluate whether their current plan still fits their business. We discuss why SIMPLE IRAs may no longer be as "simple" or advantageous as many owners assume, how technology has reduced much of the administrative burden historically associated with 401(k) plans, and why payroll integration should be one of the most important considerations when evaluating a provider. We also unpack some of the planning opportunities created by recent retirement-plan legislation, including startup and auto-enrollment tax credits, increased contribution opportunities, plan-design flexibility, and the ability to use profit-sharing contributions as part of a broader tax and cash-flow strategy. Jared and I also dig into an increasingly popular strategy: the mega backdoor Roth. While it can be valuable in the right circumstances, we explain why after-tax contributions aren't automatically available—or advantageous—for every practice owner and how required nondiscrimination testing can quickly change the math. This episode isn't about convincing every practice owner that they need a 401(k). It's about understanding the options available today so you can make an educated and informed decision about whether your current retirement plan is still the right tool for your practice, your employees, and your own financial independence.   Some of the topics we cover include: Why SIMPLE IRAs can become limiting as a practice grows How modern 401(k)s differ from the plans many owners remember from years ago Payroll integration and what "360-degree integration" actually means Auto-enrollment requirements and recent retirement-plan legislation Tax credits that may offset the cost of establishing and operating a plan Matching versus safe-harbor non-elective contributions Using profit sharing as part of a practice owner's tax strategy Why plan design should begin with the end in mind Roth 401(k)s, after-tax contributions, and the mega backdoor Roth The testing requirements that can derail an after-tax contribution strategy   NBS (Next Best Step): Pull out the details of your current retirement plan and ask your advisor to evaluate it based on today's rules—not the assumptions that were true when the plan was originally established. Specifically, review your contribution limits, employer contribution structure, payroll integration, investment flexibility, administrative costs, available tax credits, and whether profit sharing could improve your overall tax and retirement strategy.   Have a podcast-related question? Contact our team here!   Resources: 401GO Link: 5 reasons why I hate the SIMPLE IRA Book a Triage call with Adam Download the Practice Owner's Financial Toolkit 20/20 Money Ultimate Financial Success Masterclass OD Mastermind Interest Form Check out Adam's book: How to Buy an Optometry Practice   ————————————————————————————— Please rate and subscribe to 20/20 Money on these platforms Apple Podcasts Spotify ————————————————————————————— For past episodes of 20/20 Money with full companion show notes, please check out our episode archive here!

Roger and Annie broadcast live from the IRS Tax Forum in New Orleans, pulling four guests off the exhibit hall floor for individual segments. Larry Gray breaks down how he teaches digital assets and 1099-DA reporting to practitioners who've never touched crypto, and Alan Pinck talks through the "no tax on tips/overtime/social security/car loan interest" provisions and where AI fits into practice management. Kelly Myers (incoming NSA president) and returning guest Maggie Romanello close things out with career news and a look at how the IRS stakeholder liaison role actually works.SponsorsPadgett -  Contact Padgett or Email Jeff PhillipsGet NASBA Approved CPE or IRS Approved CELaunch the course on EarmarkCPE to get free CPE/CE for listening to this episode.Links mentioned in this episodeNATP (National Association of Tax Professionals) https://www.natptax.com/Tax Talk Today https://www.taxtalktoday.com/Alan Pinck's practice https://apincktax.com/NSA (National Society of Accountants) https://www.nsacct.org/IRS Stakeholder Liaison Contacts ( https://www.irs.gov/businesses/small-businesses-self-employed/stakeholder-liaison-contactsChapters(00:00) - Live From Tax Forum (01:09) - Meet Larry (02:00) - Teaching That Sticks (03:11) - Hot Topics And Crypto (07:41) - NATP Roots And Advocacy (12:12) - Fighting Bad Tax Advice (14:47) - Larrys Forum Day And Family (17:12) - Meet Alan And His Session (21:37) - Forum Energy And Exhibit Hall (24:44) - Tax Talk Today Origins (25:30) - Discussion First Format (25:49) - Seven Shows Schedule (26:32) - CPE Packages And Clips (28:30) - New Orleans Plans (30:06) - Utah Move And Routine (31:51) - Alan Wrap And Tour Dates (32:38) - Kelly Joins (35:39) - Teaching And Mentoring (39:17) - NSA Community Benefits (40:37) - AI Needs Human Review (44:13) - Maggie New IRS Role (47:28) - Stakeholder Liaison Explained (49:53) - How To Contact Liaison (53:16) - Podcast Wrap Up Follow the Federal Tax Updates Podcast on Social Mediatwitter.com/FedTaxPodfacebook.com/FedTaxPodlinkedin.com/showcase/fedtaxpodConnect with the Hosts on LinkedInRoger HarrisAnnie SchwabReviewLeave a review on Apple Podcasts or PodchaserSubscribeSubscribe to the Federal Tax Updates podcast in your favorite podcast app!This podcast is a production of Earmark MediaThe full transcript for this episode is available by clicking on the Transcript tab at the top of this pageAll content from this podcast by SmallBizPros, Inc. DBA PADGETT BUSINESS SERVICES is intended for informational purposes only.

Two of the most relentless voices fighting for truth are joining forces for an unscripted, no-holds-barred showdown against the censorship regime. Join us now live on KICK https://kick.com/stewpeters Get your first month for just $5 and join the movement before the fake election season heats up. Unlock exclusive content, behind-the-scenes access, and a community that refuses to be silenced. Join Today: https://StewPeters.tv Support the network

1044. Are rising healthcare costs ruining your budget? Laura answers a listener's question about how to maximize every tax advantage available for healthcare costs. You'll learn the rules for deducting them on your tax return or paying them with tax-advantaged savings accounts like HSAs and FSAs. We'll cover which expenses are tax-free and simple strategies to optimize your healthcare spending.Key Takeaways:You can only claim the medical tax deduction if you itemize deductions on Schedule A instead of claiming the standard deduction on your tax return.You can only deduct unreimbursed healthcare expenses that exceed 7.5% of your adjusted gross income (AGI), making the medical deduction best for years with high medical bills.Tax-advantaged medical savings accounts are powerful because they allow you to save 20% to 35% on qualified costs without claiming a medical deduction.Health savings account (HSA) balances roll over forever, can be invested for tax-free growth, and can be withdrawn penalty-free for non-medical expenses after age 65 (subject to ordinary income tax).Flexible spending accounts (FSAs) and health reimbursement arrangements (HRAs) are employer-sponsored perks for cutting healthcare costs.You cannot claim an itemized medical deduction on Schedule A for any healthcare expense paid for or reimbursed using pre-tax funds from an HSA, FSA, or HRA.Lawmakers have expanded HSA, FSA, and HRA qualified expenses to cover various over-the-counter (OTC) medications and products.Discover more from Money Girl!FacebookNewsletterTranscripts available at QuickandDirtyTips.com.Email: Laura@LauraDAdams.com or leave a voicemail: (302) 364-0308. Hosted on Acast. See acast.com/privacy for more information.

The prosecution says Tyler Robinson was a terrible shot—but somehow wants the public to believe he pulled off an impossibly precise rooftop shooting in a matter of seconds. Stew breaks down the contradictions surrounding the rifle, the disputed screwdriver evidence, the prosecution's mounting assumptions, and the legal arguments now putting the entire case under a microscope. Anna Escobar joins Stew to dig into a disturbing trail of Google searches, private flights, FBI connections, and the mysterious rise of Jacqueline McGuire's crisis PR firm. The data raises explosive questions about Turning Point, Las Vegas, and whether these connections are really coincidence—or evidence of a much bigger operation. J.D. Sharp joins Stew for a wide-ranging discussion on escalating tensions in the Middle East, concerns over military readiness, global trade chokepoints, and the growing distrust many Americans feel toward political institutions. From foreign policy and energy security to the future of American power, this conversation explores the narratives, fears, and unanswered questions shaping today's geopolitical landscape. Join us now live on KICK https://kick.com/stewpeters Get your first month for just $5 and join the movement before the fake election season heats up. Unlock exclusive content, behind-the-scenes access, and a community that refuses to be silenced. Join Today: https://StewPeters.tv Support the network