Podcasts about Tax

In this episode, David McKnight addresses one of the biggest myths in retirement planning: once you retire, you need to dramatically reduce your exposure to stocks. The reason why most financial advisors recommend reducing stock exposure in retirement has very little to do with stocks and everything to do with sequence of returns risk. Sequence of returns risk is what happens when you're forced to withdraw money from your investment portfolio during a market downturn. If the market falls 30% and you're simultaneously taking withdrawals to pay for your living expenses, you're locking in losses and permanently impairing your portfolio's ability to recover. According to David, the way to solve this problem is by ensuring that your essential expenses are covered before you ever retire. When you're at least five years out from retirement, David believes that one of the most important decisions you can make is to create the so-called income floor. An income floor is a guaranteed stream of income that covers your basic living expenses regardless of what the stock market is doing. The volatility shield adds a second layer of protection that has to do with discretionary expenses (e.g., a trip around the world, taking the grandchildren to Disney World, etc.). Suze Orman has controversially recommended that retirees keep 3-5 years' worth of living expenses in a savings account, so they don't have to sell investments during a market downturn. While David agrees with the concept, he doesn't see savings accounts as the most efficient place to put that money in. Instead, he'd rather have retirees accumulate that money in a completely separate account (a volatility shield) – which, unlike a savings account, has the potential to grow 5-7% net fees over time. Looking for an alternative volatility shield? Look at cash value life insurance in the form of indexed universal life (IUL), says David. An Ernst & Young study found that retirees who included the volatility shield strategy and a guaranteed lifetime income annuity in the retirement plan were able to dramatically increase the sustainable withdrawal rate on their investment portfolio. Since the early 1990s, the gold standard on sustainable withdrawal rates has been 4%. The 4% Rule says that if you withdraw approximately 4% of your portfolio each year, there's a reasonably high chance that your money will last a full 30-year retirement. However, when retirees had access to a volatility buffer and could avoid taking distributions following market downturns, sustainable withdrawal rates increased dramatically (in some scenarios, up to 8%). David is a believer of the fact that the portfolio that got you into retirement can also take you through retirement – with a recommended 70% in U.S. stock market index funds and 30% in international stock market index funds. For David, the reason why this approach works well is that, with it, you solve the two biggest issues in retirement: income and volatility. Moreover, if you can position these assets inside tax-free accounts through strategic Roth contributions and Roth conversions, you gain protection against yet another threat, tax rate risk. David concludes by stressing that it is not that the buy-and-hold strategy doesn't work, it's that most retirees don't have the protection tools necessary to stay committed to the strategy when markets become turbulent.     Mentioned in this episode: David's new book: The Secret Order of Millionaires David's national bestselling book: The Guru Gap: How America's Financial Gurus Are Leading You Astray, and How to Get Back on Track Tax-Free Income for Life: A Step-by-Step Plan for a Secure Retirement by David McKnight DavidMcKnight.com DavidMcKnightBooks.com PowerOfZero.com (free video series) @mcknightandco on Twitter  @davidcmcknight on Instagram David McKnight on YouTube Get David's Tax-free Tool Kit at taxfreetoolkit.com Suze Orman Ernst & Young

Tax lien investing has delivered double-digit returns for institutional investors for decades, but most investors have been locked out by complexity and legal barriers. In this episode, Stephen Morel shares how his experience as a title attorney and entrepreneur led him to build technology that simplifies tax lien investing nationwide. From Hurricane Katrina's impact on New Orleans to the creation of a platform that automates compliance, asset management, and due diligence, he explains how investors can access one of real estate's most overlooked opportunities. Tune in to learn how technology is transforming tax lien investing and making it accessible to more investors than ever before.   Key Takeaways To Listen For Why tax lien investing has remained dominated by institutions for over a century Artificial barriers that keep everyday investors out of a $20 billion market How technology is simplifying one of real estate's most complex asset classes The surprising reason most tax liens never reach foreclosure Main difference between investing for interest income versus property ownership   Resources/Links Mentioned In This Episode Early Access to Simplified AI-Powered Tax Lien Investing   The ONE Thing by Gary Keller and Jay Papasan | Kindle, Audiobook, and Paperback Tax Sale Resources   About Stephen Morel Stephen Morel is the founder of JurisDeed, a legal services firm focused on helping real estate investors, entrepreneurs, and business owners protect and structure their assets through strategic legal planning. With a background in law and real estate, Stephen specializes in entity formation, asset protection, estate planning, and legal frameworks designed to support long-term wealth creation. Through JurisDeed, he provides practical, investor-focused guidance that helps clients navigate complex legal matters with clarity and confidence while building a strong foundation for growth and legacy.   Connect with Stephen  Website: JurisDeed  LinkedIn: Stephen Morel    Connect With Us If you're looking to invest your hard-earned money into cash-flowing, value-add assets, reach out to us at https://bobocapitalventures.com/.   Follow Keith's social media pages LinkedIn: Keith Borie Investor Club: Secret Passive Cashflow Investors Club Facebook: Keith Borie X: @BoboLlc80554  

The global stage is shaking and the media is in an absolute frenzy!

In Part 2 of this Live listener Q&A episode, Wade Pfau and Alex Murguia tackle several retirement planning topics, including Social Security claiming strategies for spouses with age differences, how younger workers should think about Social Security's long-term solvency, whether to assume future benefit cuts in retirement projections, the impact of the "widow's penalty" on tax planning and Roth conversions, evaluating an older variable annuity with high fees, tax considerations when selling investments in a taxable account, and how to think about maintaining portfolio discipline during retirement. Throughout the discussion, they emphasize balancing planning conservatism with practicality, avoiding unnecessary forecasting, and making decisions that support long-term retirement goals rather than reacting to headlines or uncertainty.   Takeaways When spouses have similar Social Security benefits, but one spouse is significantly older, the older spouse often has the strongest case for delaying benefits until age 70 because that higher benefit is more likely to become the survivor benefit. Younger workers may not need to heavily discount future Social Security estimates because projected wage growth could offset a significant portion of any future benefit reductions. For retirees already near claiming age, assuming a 25% reduction in future Social Security benefits can be a reasonably conservative planning assumption. The eventual Social Security reform package is unlikely to rely solely on benefit cuts and will more likely include a combination of tax increases and benefit adjustments. The "widow's penalty" can significantly increase taxes for a surviving spouse because income often remains similar while tax brackets and Medicare thresholds become less favorable. Potential future tax increases and the widow's penalty are both compelling reasons to consider Roth conversions even when current projections suggest little immediate tax benefit. High-fee variable annuities should be evaluated carefully, especially to determine whether valuable income guarantees justify the ongoing costs. If guaranteed income sources such as pensions and Social Security already cover essential expenses, a variable annuity can potentially serve as a bridge strategy to delay Social Security benefits. When selling investments from a taxable account, maintaining the portfolio's target asset allocation is generally more important than trying to predict which investments will perform best or worst next. Tax-efficient selling decisions often come down to managing capital gains by choosing whether to realize gains from low-basis or high-basis shares depending on the investor's broader tax situation.   Chapters 00:00 Social Security Strategies for Couples 06:28 Concerns About Social Security Reliability 10:16 Planning for Future Social Security Benefits 13:20 Roth Conversions and Tax Planning 18:18 Evaluating Variable Annuities 22:24 Taxable Account Management Strategies 25:05 Maintaining Asset Allocation Discipline 27:53 Tax Considerations in Asset Sales   Links

This episode is presented by Create A Video – Regular caller Mike (a former lawyer for the Mecklenburg County Democratic Party) attempts to justify seizing the wealth of Elon Musk by dressing it up in altruistic motives. But it's clear by the end of the call that his political philosophy is simple envy masquerading as caring.Become a supporter of this podcast: https://www.spreaker.com/podcast/the-pete-kaliner-show--6946691/support.Subscribe to the podcast My preferred podcast platform: SpreakerAll the links to Pete's Prep are free!Get exclusive content here!Media Bias Check: GroundNews promo code!Advertising and Booking inquiries: Pete@ThePeteKalinerShow.com  

Bob Kerr returns to break down his Tax Notes article on the IRS's Centralized Authorization File, the decades-old system that processes Forms 2848 and 8821 almost entirely by hand, now buried under 7 million forms a year at roughly 500 staff years and $50 million to run. He, Roger, and Annie get into why the backlog keeps growing, how practitioners can get ahead of it by putting 8821s on file early, and why transcripts belong in your current-year filing, not just your representation work.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.Read Bob's Article https://www.taxnotes.com/tax-notes-federal/practice-and-procedure/high-costs-irss-centralized-authorization-file-system/2026/04/06/7vjccChapters(00:00) - Welcome and Setup (02:36) - Why CAF Matters Now (06:54) - CAF Explained POA vs TIA (10:42) - Choosing 8821 vs 2848 (13:46) - Backlogs and Real Impacts (15:45) - Manual Processing Volume Surge (18:54) - Million Hours and 50M Cost (21:23) - Deadlines Snowball Effect (24:01) - CAF Volume Spiral (24:59) - Early Transcripts Benefits (28:33) - Client Use Cases (30:27) - Why IRS Can't Keep Up (39:13) - Train Clients and Set Expectations (43:33) - Transcripts Beyond Representation (44:32) - VITA Volunteering Insights (48:56) - Wrap Up and Thanks 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.

In episode 252 , Donald Williams explores what true presence is -- both with God and with others -- and why it matters. Reflecting on his life growing up in a mill town, as well as the negative ramifications of the problematic life of uncles Charles, Donald has comes to see the impact of who we are in any given space; even more, he has seen the faithfulness of God's presence throughout.How has God invited you to be present in life?Discover more from Donald:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.facebook.com/Dontwillhttp://www.iamdonaldwilliams.com/~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 available for pre-order!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠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 #healing #prayer

What happens when constitutional rights exist on paper, but the government refuses to enforce them? In this episode of Advocacy Bites, hosts Renee Sekel and Susan Book take a deep dive into the growing tension between constitutional rights, separation of powers, and public education funding in North Carolina. Using the ongoing Leandro school funding case as a backdrop, they explore what it means when courts issue rulings that are ignored, delayed, or weakened by political actors—and what that means for students, families, and everyday citizens. Renee examines the constitutional questions at the heart of the Leandro litigation, including the role of the judiciary in protecting rights when legislatures fail to act. Susan connects those issues to the realities facing North Carolina's public schools, from teacher shortages and special education challenges to the broader consequences of chronic underfunding. Together, they discuss why elections, judicial races, and local advocacy matter more than ever in shaping the future of public education and civil rights. The conversation also touches on federal education policy, the importance of protecting vulnerable students, the impact of language and public discourse, and how advocates can continue pushing for meaningful change even in difficult political moments. If you care about public education, constitutional rights, school funding, education policy, civic engagement, advocacy, North Carolina politics, special education, judicial accountability, and democracy, this is an episode you won't want to miss. Topics Covered: The Leandro school funding case Constitutional rights and public education Separation of powers and judicial authority North Carolina Supreme Court decisions Teacher shortages and school funding Special education advocacy Civic engagement and voting State and federal education policy Protecting students' rights Everyday advocacy in action (1:29) - How NC Amendments Work (3:15) - Distraction and Turnout Tactics (6:06) - Locking Power in the Constitution (12:59) - Tax and Voter ID Changes  (17:46) - Legislative Chaos and Burnout (19:12) - Andor Manifesto Inspiration (21:04) - Call to Action About Advocacy Bites: Hosted by Renee Sekel and Susan Book, Advocacy Bites explores what it means to be an everyday advocate and provides practical ways for listeners to get involved in issues affecting their communities, public education, and public policy.

FCPS Superintendent Demetrus Liggins is placed on paid administrative leave after a confusing couple of days, Gov. Beshear says the gas tax will likely return for all Kentucky communities, data centers are being debated in more Kentucky cities, how high school students are learning about career opportunities during the summer, and U.S. Rep. McGarvey goes 4/4 in the Congressional baseball game.

The government needs the support of the Greens in the upper house to pass their capital gains and negative gearing changes.

After a short break to rest and recover, I am back!  This episode is a quick catch-up on where I have been, what I have been working on, and what's coming next on the podcast.In early June, I was in Toronto for the STEP National Conference and Board Meetings... hands down one of the professional highlights of my year.  In this episode, I take you behind the scenes of the conference, share why STEP (the Society of Trust and Estate Practitioners) has had such a profound impact on my career, and explain why the TEP designation matters (especially for clients with complex estate and cross-border considerations).We also get into:How my practice has evolved toward complex, international estate planningEmerging issues in estates and trusts (think: electronic wills, cross-border families, surrogacy, and fraud risks)Highlights from the STEP conference (key sessions, incredible speakers, and the power of professional community)Mentorship, connection, and why building networks in this profession really mattersOn the personal side, I share a bit about choosing rest over burnout, celebrating a major milestone with my articling student becoming a lawyer, and what's ahead this summer (including travel and upcoming podcast episodes).RESOURCES DISCUSSED ON THIS EPISODE:STEP CanadaHERE ARE SOME OTHER WAYS TO CONNECT WITH ME:My website! Email: thetaxchickpodcast@gmail.com@tax.chick (IG) LinkedInBe a "Tax Chick VIP"

Tax rates are as low as they've been in decades. Yet due to ballooning government deficits and increasingly underfunded entitlements, it's reasonable to have a hedge against higher tax rates in the future. One way to protect your retirement from higher taxes is to have at least some money in Roth accounts. With the Roth, contributions aren't tax-deductible, but withdrawals are tax-free… but only if you follow the rules, which can be complicated. Robert Brokamp explains what you need to heed.Also in this episode:-The Social Security time bomb ticks louder with the recent release of the latest trustees report-Americans are keeping their cars longer than ever, which is saving them money -- and changing the automotive industry-The earnings of companies in the S&P 500 are soaring, but some of that impressive growth is not actually due to business operations-Healthier people tend to be wealthier, and a recent study finds that riding a bike can provide all kinds of physical and psychological benefitsHost: Robert Brokamp, CFP®, EAEngineer: Bart Shannon Disclosure: Advertisements are sponsored content and provided for informational purposes only. The Motley Fool and its affiliates (collectively, “TMF”) do not endorse, recommend, or verify the accuracy or completeness of the statements made within advertisements. TMF is not involved in the offer, sale, or solicitation of any securities advertised herein and makes no representations regarding the suitability, or risks associated with any investment opportunity presented. Investors should conduct their own due diligence and consult with legal, tax, and financial advisors before making any investment decisions. TMF assumes no responsibility for any losses or damages arising from this advertisement. We're committed to transparency: All personal opinions in advertisements from Fools are their own. The product advertised in this episode was loaned to TMF and was returned after a test period or the product advertised in this episode was purchased by TMF. Advertiser has paid for the sponsorship of this episode. Learn more about your ad choices. Visit megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

FRIDAY LIVE: Stew takes your phone calls, you give your take! Topics: Iran war, MAGA, Northern Ireland protests, Israeli influence over American government Call NOW: 507-698-STEW (7839)

Elon Musk has become the world's first trillionaire, with the IPO of his company SpaceX. He is a symbol of how the United States has become an oligarchy, where elections are bought by rich elites and large corporations, and extreme wealth is concentrated in a few hands. Ben Norton explains. VIDEO: https://www.youtube.com/watch?v=Dj-hd3l4dSo Topics 0:00 Elon Musk, world's first trillionaire 0:50 Oligarchy 1:54 SpaceX IPO 3:06 SpaceX is losing lots of money 4:13 Wall Street changes the rules 5:39 Trump coin pump and dump 6:14 Reasons to avoid SpaceX 7:04 Musk: symbol of US oligarchy 8:45 Wealth concentration 9:55 Gilded Age & robber barons 11:13 Money wins US elections 13:06 Elon Musk funded Trump 14:52 Larry Ellison buys up media 17:14 Capitalist class 18:19 Progressive Era 19:27 Great Depression & New Deal 20:08 Golden Age of capitalism 20:59 Tax rates 22:08 Tax burden shifts onto workers 23:24 Billionaires avoid taxes 24:34 Neoliberalism 25:18 Financial crisis & QE 26:54 Neofeudalism / technofeudalism 28:27 Artificial intelligence (AI) 29:24 Universal basic income (UBI) 30:50 Nationalize Big Tech 33:04 China's alternative 33:58 Outro

Australia has endured nearly a decade of weak productivity growth, and living standards are under pressure. In this episode, Gene Tunny and John Humphreys explore the common thread connecting several major economic debates: investment and incentives. They discuss Australia's productivity slump, the Federal Government's proposed capital gains tax changes, Brisbane's Olympics infrastructure plans, and the challenges facing the National Disability Insurance Scheme (NDIS). Along the way, they explain why economists place so much emphasis on incentives and what current policy settings could mean for Australia's future prosperity. Gene would love to hear your thoughts on this episode. You can email him via contact@economicsexplored.com.  What You'll Learn from This Episode Why productivity growth is the ultimate driver of long-run living standards. How savings, investment and innovation contribute to economic prosperity. The economic arguments for taxing capital gains differently from labour income. Whether Brisbane's Olympic infrastructure spending is likely to address existing bottlenecks. Why economists place so much importance on incentives when designing public policy. Timestamps Introduction to episode on Capital Gains Tax policy change and Productivity Slump (0:00) Economic Performance and Productivity (4:55) Capital Gains Tax Proposals (14:24) Economic Theory and Capital Taxation (24:28) Olympics Infrastructure and Public Investment (29:37) National Disability Insurance Scheme (NDIS) (38:22) Investment and Incentives in Government Programs (44:12) Links relevant to the conversation Australian Taxpayers' Alliance livestream, Thursday 11 June, “Tax blunders & shrinking economy || #45”: https://www.youtube.com/live/K1Fsnjeg3mM?si=jKrxraJJlT0DzLfd Richard Holden's opinion piece “There is no economic case for taxing work and investment the same” (paywalled): https://www.afr.com/policy/economy/there-is-no-economic-case-for-taxing-work-and-investment-the-same-20260528-p601ke Lumo Coffee promotion 10% of Lumo Coffee's Seriously Healthy Organic Coffee. Website: https://www.lumocoffee.com/10EXPLORED Promo code: 10EXPLORED 

 This week on Straight White American Jesus, Brad and Dan unpack the GOP's latest claims of voter fraud in California and show how conspiracy thinking, Christian nationalist spiritual warfare, and anti-democratic rhetoric continue to undermine public trust in elections. Focusing on comments from Donald Trump and Speaker Mike Johnson, they explore how evidence-free allegations of fraud function politically, why California has become a symbolic target, and how narratives of hidden, “unprovable” corruption mirror the logic of both conspiracism and charismatic Christian nationalism. The episode examines what happens when feelings and intuition replace facts, and why attacks on election integrity remain central to the MAGA movement's political strategy. The conversation then turns to the Trump administration's unprecedented UFC event at the White House and Pete Hegseth's controversial D-Day remarks in Normandy. Brad and Dan analyze the UFC spectacle as a symbol of a broader political vision rooted in domination, submission, and conflict rather than democratic deliberation and compromise. They also discuss Hegseth's embrace of Western civilizational rhetoric and anti-immigrant messaging during a commemoration of the Allied fight against fascism, situating his comments within a larger framework of Christian nationalism, Western chauvinism, and the growing influence of the postliberal right. Along the way, they reflect on America's declining international standing, the politics of spectacle, and reasons for hope as public resistance to authoritarianism continues to grow. Axis Mundi is becoming more than a podcast network. We are building the essential newsroom for understanding religion, democracy, extremism, and power in America today. And with your support, we can build it together. Direct support: ⁠https://axismundi.supercast.com/donations/new⁠ Tax-deductible donations through our partnering 501c3: ⁠https://www.irmce.org/donate Learn more about your ad choices. Visit megaphone.fm/adchoices

Stew welcomes Gareth Icke — activist, Ickonic presenter, and unfiltered truth-teller — to break down the explosive anti-migrant protests exploding across Britain.

You know that taxpayers in your area are getting IRS letters and losing sleep from wondering how bad their tax debt is going to get.   But when they get online to search for help, can they find you?   In this episode, Christian Jones and Noah Jenks look at what's actually working for tax resolution pros who are getting found online. Tax pros who are bringing in:   7 leads in less than a month at $86 per lead 33 leads over a year, with an average cost per conversion of $170 Leads with up to $400K owed and years of unfiled returns. You'll learn the digital marketing moves that are getting tax resolution firms more IRS debt cases. And how asking the right questions on your website can turn nervous visitors into qualified tax resolution leads. If you're looking to get more tax resolution leads, this episode shows you what's possible when your digital marketing is designed to capture them.  

In this episode: IRS call strategies – A tip for getting through when the IRS won't accept calls • Tax identity theft – How fraudsters file returns using stolen Social Security numbers • Qualified Small Business Stock (QSBS) – A little-known tax exclusion that could eliminate gains for eligible investors • IRS First-Time Abatement – An automated penalty relief process coming soon for late filers • Investment fee deductibility – Why individuals can no longer deduct these fees, but businesses still can • IRS interest rate increases – Higher rates on underpayments and overpayments starting Q3 2026 • 2026 W-2 changes – New codes to identify deductible tips and overtime pay • SALT cap – The $40,000 state and local tax deduction limit reaffirmed through 2029 • 2027 HSA limits – Contribution limits going up, with a reminder of the long-term savings benefits

Tax season just got a lot more interesting.In this episode, Mark Lumpkin sits down with CPA and real estate tax strategist Ryan Carriere to break down one of the most powerful tax strategies available to short-term rental investors today.Ryan explains how the return of 100% bonus depreciation under the One Big Beautiful Bill impacts investors, why the Short-Term Rental Tax Loophole remains a game changer for high-income earners, and the specific rules you must follow to qualify.They cover:• The return of 100% bonus depreciation and what it means for investors• How the Short-Term Rental Tax Loophole actually works• The 7-day average stay rule explained• Material participation requirements and common mistakes• How to track hours correctly for audit protection• Personal use rules that can destroy your tax benefits• Why most investors need a tax strategist, not just a tax preparer• Real-world examples of how investors can potentially save six figures in taxesIf you're buying short-term rentals for cash flow, appreciation, and tax savings, this episode is essential listening.Connect with Ryan Carrier:Website: CarrierTaxConsulting.comLinkedIn: Ryan Carrier, CPAYouTube: Ryan Carrier, CPA__Episode Sponsored By:STR SearchSTR Search is the industry leading property finder service. They've helped investors acquire over 215 profitable STRs across the US. If you'd like the data professionals to help you find your next STR, reach out to STRsearch.com

Where Did My Returns Go? The Cost of Mutual Funds and Annuities The Tom Dupree Show | Dupree Financial Group | dupreefinancial.com | 859-233-0400 Episode Description Time Stamps 00:00 Keep Truckin Intro 01:31 Show Opens Fees 03:22 Mutual Fund Basics 05:46 Share Classes Loads 07:14 Portfolio Fee Transparency 10:05 Tax Drag Distributions 14:01 Constraints Versus Drift 16:29 Managed Accounts Example 21:16 Break Segment Promo 22:05 Inflation Market Pinch 26:09 Mutual Fund Fee Reality 26:38 Annuities Insurance Wrapper 27:27 Index Annuity Caps 30:20 Fixed Annuity Tradeoffs 32:27 Immediate Annuity Inflation 37:32 Commissions And Incentives 40:29 Counterparty Risk Warning 44:30 Final Portfolio Checkup Most investors look at their mutual fund statement, see a return number, and assume that’s the whole story. It isn’t. Fees are deducted before that return ever reaches your statement, which means you could be paying anywhere from a fraction of a percent to well over 1.5% a year without it ever showing up as a line item. In this episode, Tom Dupree and Mike Johnson explain exactly how those costs are built into your returns — and why two people holding what looks like the “same” mutual fund can actually be paying very different amounts. The conversation also digs into a real-world example involving a major fund family, where a change to share class minimums forced a wave of investors to realize years of embedded capital gains — and a hefty tax bill — all at once. From there, Tom and Mike shift to annuities, breaking down how index annuities, fixed annuities, and immediate annuities are each priced, where the commissions come from, and why the financial strength of the insurance company behind the contract matters just as much as the product itself. Whether you’re holding mutual funds inside a 401(k), an IRA, or a taxable account — or you’ve been pitched an annuity recently — this episode gives you the questions to ask before you invest another dollar. “If you don’t know what you own in your portfolio — and why — that’s the first thing worth fixing.” Topics Covered How mutual fund fees get absorbed into your net return instead of appearing as a separate line item The difference between A shares, C shares, and institutional share classes — and why the same fund can cost twice as much depending on which one you hold What a 12b-1 fee is and who actually receives it Why actively managed funds tend to carry higher expense ratios than index funds How capital gains distributions can create a tax bill on gains you never benefited from A real example of how a fund family’s share class changes forced unexpected tax consequences on shareholders Portfolio constraints versus portfolio drift, and why both can work against you Index annuities, fixed annuities, and immediate annuities — how each is structured and where the cost is hidden Why surrender charges exist and how they relate to commissions Counterparty risk: why the insurance company’s own investments matter to your guarantee Key Takeaways Your net return already has the fee built in. Mutual fund statements show what’s left after fees are deducted — not a separate fee line — so two investors holding what looks like the same fund can actually be paying very different amounts depending on share class. Share class matters more than most investors realize. One example discussed in the episode showed a global fund charging roughly 0.8% on its A shares versus 1.8% on its C shares — more than double, for the same underlying portfolio. Tax inefficiency can be just as costly as the stated fee. Because mutual funds are pooled investments, other shareholders’ buying and selling can trigger capital gains distributions you owe taxes on — even if you never participated in those gains. A fund’s holdings can drift far from what you originally bought. Without firm constraints, a manager’s strategy can shift significantly over a few years, leaving you holding something very different from what your original research showed. Annuities are mutual funds wrapped inside an insurance contract — and you pay for both layers. Whether it’s an index annuity’s capped participation rate or a variable annuity’s rider fees, the cost is built into the structure even when it isn’t itemized. Surrender charges exist largely to recoup the seller’s commission. Annuity commissions can run as high as 6–8%, and the multi-year surrender schedule helps the insurance company recover that cost if you withdraw early. The insurance company’s financial strength is part of what you’re buying. An annuity’s guarantee is only as good as the company behind it — and recent industry reporting has noted that some insurers are taking on more investment risk, including exposure to private credit, than before the 2008 financial crisis. Transparency is something you’re entitled to ask for. Whether it’s a mutual fund, an annuity, or a managed account, you have the right to know exactly what you own, what it costs, and where your income is coming from. About The Tom Dupree Show The Tom Dupree Show is hosted by Tom Dupree, founder of Dupree Financial Group and a 47-year veteran of the investment business. Each episode covers the financial topics that matter most to retirees and those approaching retirement — in plain English, without the Wall Street spin. Dupree Financial Group is a fee-only, fiduciary Registered Investment Advisory firm based in Lexington, Kentucky. The firm manages separately managed accounts focused on income-generating, dividend-paying portfolios — no products sold, no commissions, no conflicts of interest. Past episodes are available at dupreefinancial.com under the Podcast tab. Schedule a Complimentary Portfolio Review If you’re not sure whether the funds or annuities in your portfolio are quietly costing you more than you realize, we’ll take a look. No charge. No pressure. Just an honest conversation about what you own and whether it’s working for you. Call: 859-233-0400 | Visit: dupreefinancial.com Dupree Financial Group is a fee-only, fiduciary, SEC-registered Registered Investment Advisor. The information presented in this podcast is for informational and educational purposes only and should not be considered a solicitation for the purchase or sale of any security. Past performance is not indicative of future results. Investing involves risk, including possible loss of principal. Please consult with a qualified professional before making any financial decisions.The post Hidden Fees in Mutual Funds & Annuities | The Tom Dupree Show appeared first on Dupree Financial.

  Donald Trump, taking orders from his handler Benjamin Netanyahu, just ordered the latest round of US strikes on Iran. Civilian water plants were hit. This is the “proportional response” to a supposed Iranian drone attack on a US Apache helicopter near the Strait of Hormuz

Intuit just cut 17% of its workforce, roughly 3,000 employees, and Alicia is joined by Dan DeLong and Matthew "Spot" Fulton to unpack what actually happened and why it isn't the AI story everyone assumed. Drawing on Dan's 18 years inside the company, they break down the real drivers behind the cuts, the unusually generous severance packages, the closing of the Reno and Woodland Hills offices, and the three big bets shaping Intuit's future. They also dig into the uncertain fate of MailChimp and what the mid-market pivot signals for ProAdvisors and the QuickBooks community.Sponsors:Aqqrue - http://uqb.promo/aqqrueC&R Consulting - http://uqb.promo/cnr(00:00) - Intuit Layoffs Overview (01:57) - Why Layoffs Happen (03:01) - Dan Layoff Story (04:58) - Restructure Not AI (06:23) - Details and Office Closures (09:42) - India and Global Impact (11:50) - Culture and Job Mobility (14:15) - Severance and Support (20:47) - Layoffs and Career Growth (24:42) - Letter Management Layers (29:03) - Customer Support Outsourcing (32:10) - Strategic Hubs and Remote Work (36:09) - TurboTax Credit Karma Merge (37:04) - Restructuring Around Customers (38:09) - Three Big Bets Explained (38:46) - AI Native Done For You (39:49) - Center Of Money Push (41:56) - Mid Market Expansion (43:22) - MailChimp Cuts And Risks (47:10) - Divestiture Rumors And AI (52:36) - SMB Churn And Competition (54:42) - Closing Thoughts And Thanks (55:41) - What's New With Hosts (56:16) - Scaling New Heights Plans (58:25) - Alicia Events And Training (01:01:35) - Awards And Final Wrap LINKSIntuit Account login episode: uqb.show/81 Dan's School of Bookkeeping course about Bulk Editing Data in QuickBooks: https://www.schoolofbookkeeping.com/a/2148284044/FzeLMxRpSchoolofbookkeeping YouTube: https://snip.ly/SOBYTFree Live Workshop Wednesdays: https://www.schoolofbookkeeping.com/workshop-wednesdayQB Power Hour: https://www.qbpowerhour.com/ Alicia's book on Amazon: http://royl.ws/conversion-bookJuly 21 through October 8: HANDS-ON QUICKBOOKS COMPLETE TRAINING COURSE, http://royl.ws/HOT2026?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 

Following the Tick Report, Robert updates us on Trump's pattern in Iran of threatening escalation and then pulling back. Wisconsin unveiled its new procedures for dealing with BadgerCare work requirements in the Big Ugly Bill. But the Trump/Kennedy HHS's last minute changes to the final rule makes it much worse than the language of the bill, risking coverage for people with serious conditions such as life threatening cancer. With health care at risk for hundreds of thousands of Wisconsinites, including people too frail to work, is Wisconsin prepared? We revisit the last minute budget gimmick engineered by the big hospital lobby, Evers, and Vos but disallowed by the Trump Regime. We dive into a new Brookings Report finding 45.5% of U.S. households did not earn enough to make ends meet. The report concludes that moving the needle on affordability requires action on both sides of the equation: lowering costs of living and dramatically increasing household incomes. We preview 4 newly scheduled $20 Wage Town Halls in Fond du Lac, Madison, and two in the Milwaukee area We close with an in-depth interview with Bryan Rogers, the environmental justice director at Milwaukee's Walnut Way. Bryan, who is a regular podcast listener, tells us more about Walnut Way and discusses why they are co-hosting a governor candidate forum on Saturday, June 27th, 10am at North Division High School. Bryan explains why their members are so deeply involved in fighting climate change and higher utiilty costs that fall disproportionally on predominantly Black neighborhoods in Milwaukee.

Show Notes In this episode of Be a Smarter Homeowner, host Beth Dodson sits down with Craig Sheets, founder of Crestville Accounting, to unpack one of the most misunderstood parts of homeownership: taxes. Craig brings nearly 25 years of senior-level accounting experience and helps individuals and business owners not only stay compliant, but also make smarter financial decisions throughout the year. Together, Beth and Craig discuss how homeowners can better understand deductions, tax planning, rental property rules, renovation records, mortgage interest, inherited homes, and the importance of working with a knowledgeable CPA. This conversation covers practical tax considerations for both primary residences and rental properties, including the difference between repairs and capital improvements, how renovations can affect your cost basis, what rental property owners should know about depreciation, and why keeping detailed records can make a major difference when it is time to file taxes or sell a home. Topics covered include: Homeowner tax myths, Schedule A deductions, sales tax deductions, mortgage interest, real estate taxes, rental property deductions, cost segregation, depreciation, repairs versus renovations, capital improvements, tax basis, inherited homes, revocable and irrevocable trusts, energy-efficiency tax credits, and why planning with your CPA matters. Important note: This episode is for educational purposes only. Tax laws and individual situations vary, so homeowners should consult their own CPA, accountant, or financial advisor before making tax decisions.   Episode Summary Your home is often your largest financial asset, but many homeowners do not fully understand how it connects to their tax strategy. In this episode, Beth Dodson talks with CPA Craig Sheets about the deductions, credits, planning opportunities, and recordkeeping habits homeowners should know. Craig explains why tax planning should happen year-round, not just during filing season. He discusses how homeowners may be able to deduct certain taxes, mortgage interest, sales tax on qualifying renovations, and energy-efficient upgrades. He also breaks down the difference between a repair and a renovation, explaining why that distinction matters for tax purposes. For rental property owners, Craig goes deeper into depreciation, cost segregation, active versus passive management, possible travel and business-related deductions, and the importance of understanding how a property is owned. Beth and Craig also explore how renovations can affect a home's tax basis and why detailed project records can help homeowners reduce potential capital gains later. The episode closes with practical advice: keep receipts, track home improvements, document energy-efficient upgrades, communicate with your CPA before major projects, and treat your home like the financial asset it is.   Key Takeaways Homeowners may miss deductions simply because they do not know what to track. Repairs and renovations are treated differently for tax purposes. Rental property ownership comes with additional rules, deductions, and planning opportunities. Cost segregation may help rental property owners accelerate depreciation. Home improvements can increase your tax basis, which may matter when you sell. Mortgage interest can be part of an itemized deduction strategy. Energy-efficient upgrades may qualify for tax credits, which can be more powerful than deductions. Inherited homes and trusts can create tax consequences that should be planned carefully. Good recordkeeping can save homeowners money. The best tax strategy usually begins before the project, purchase, sale, or filing deadline. Chapters 00:40 Understanding Homeownership and Taxes 01:52 Myths and Misconceptions in Home Taxation 05:40 Deductions for Home Renovations 10:42 Navigating Rental Property Deductions 15:38 The Importance of Active Management in Rentals 20:35 Repairs vs. Capital Improvements 22:24 Understanding Repairs vs. Renovations 24:25 Appliances and Their Tax Implications 27:29 The Impact of Renovations on Capital Gains 32:10 Tax Basis and Renovations Explained 36:18 Living in Your Home: Tax Implications 39:47 Mortgage Interest Deductions: A Double-Edged Sword 41:24 Understanding Mortgage Interest Deductions 42:56 The Benefits of Homeownership 44:41 Renovations and Their Impact on Home Value 48:19 Inheriting a Home: Key Considerations 53:36 Tax Tips for Homeowners

Chris Papin, Owner of Papin CPA, a firm that bridges the legal and financial gap for business owners through strategic, forward-looking advisory and consulting … Read more The post Tax, Law & Time: How CPAs and Attorneys Think About Building a Business That Actually Works appeared first on Top Entrepreneurs Podcast | Enterprise Podcast Network.

If Australian taxpayers were given the choice, would we be willing to pay for the services we need? 

Last night Trump was booed at Madison Square Garden and fell asleep in his luxury box during the NBA Finals. Taxpayer money paid for the whole spectacle while American paratroopers from the 82nd Airborne sit in Israel waiting for Netanyahu's order to storm Kharg Island.. The Albanians are handling their business and beat us to 110, while Zionist traitors sign away American blood and our military to Israel. Jeff Berwick joins me to expose this fake Rothschild outpost that's merged with America — time to wake up, get a plasma machine, build resilience at TZLA.club, and start acting like the Albanians before these parasites drag us into the abyss.

Triggernometry is proudly independent. Thanks to the sponsors below for making that possible: - MassZymes by BIOptimizers: digestive enzyme formula. CLICK https://bioptimizers.com/trigger. Use code TRIGGERNOMTERY to get 15% off your order and a free $20 bottle of MassZymes - Füm: Head to https://www.tryfum.com/Trig and use promo code TRIG to get your free gift with purchase, and start The Good Habit today! - Figure: Need liquidity without selling your crypto? Take out a Figure Crypto-Backed Loan. Unlock your crypto's potential today at Figure! https://figuremarkets.co/triggernometry - Claim $50 when you Deposit $500. Disclosures Figure Lending LLC dba Figure. Equal Opportunity Lender. NMLS 1717824. Terms and conditions apply. Join our exclusive TRIGGERnometry community on Substack! https://triggernometry.substack.com/ OR Support TRIGGERnometry Here: Bitcoin: bc1qm6vvhduc6s3rvy8u76sllmrfpynfv94qw8p8d5 Shop Merch here - https://shop.triggerpod.co.uk/ Advertise on Triggernometry: https://trigger-brands.com | or enquire at marketing@triggerpod.co.uk Find TRIGGERnometry on Social Media: https://twitter.com/triggerpod https://www.facebook.com/triggerpod/ https://www.instagram.com/triggerpod/ About TRIGGERnometry: Stand-up comedians Konstantin Kisin (@konstantinkisin) and Francis Foster (@francisjfoster) make sense of politics, economics, free speech, AI, drug policy and WW3 with the help of presidential advisors, renowned economists, award-winning journalists, controversial writers, leading scientists and notorious comedians. 00:00 - Trailer 00:47 - Why Everything Is Getting More Expensive 06:43 - Debt, Inflation & The Bill From Lockdowns 15:42 - Ad: BiOptimizers 17:39 - The Housing Crisis & Why Young People Can't Afford Homes 24:32 - Why Britain Is Getting Poorer 32:45 - Ad: FÜM 34:11 - Tax, Rent Control & The Policies Making Things Worse 40:08 - The Iran Conflict, Oil Prices & Global Supply Shocks 46:55 - Ad: Figure 48:23 - Fertiliser, Food Prices & Why Inflation Isn't Going Away 54:30 - How Britain Can Fix Its Economy 01:03:28 - What's The One Thing We're Not Talking About? 01:06:54 - Substack Learn more about your ad choices. Visit megaphone.fm/adchoices

   In this episode of WarDocs, Army Deputy Surgeon General Dr. Lance Raney discusses the past, present, and future of military medicine. The conversation begins with Dr. Raney's early journey from a collegiate scholarship athlete to a Family Medicine physician, exploring how his clinical roots in "small-town" Army medicine established the decision-making framework necessary for high-level strategic leadership. Drawing on his experience as a Brigade Surgeon with the 172nd Stryker Combat Team in Iraq, Dr. Raney emphasizes the life-saving importance of empowering medics at the point of injury and the necessity of critical thinking in the face of unexpected clinical challenges.    The dialogue then shifts to the complexities of the current military healthcare landscape, particularly the transition to the Defense Health Agency and the integration of medical readiness with healthcare delivery. Dr. Raney provides a candid look at the challenges of navigating systemic changes during the COVID-19 pandemic and the implementation of MHS GENESIS, noting that leadership through influence is now more vital than ever. He shares a personal and powerful account of his time at Womack Army Medical Center, discussing how patience and trust in the military justice system reinforced his commitment to servant leadership and organizational resilience.    A major focus of the episode is the Army's strategic pivot toward Large Scale Combat Operations (LSCO). Dr. Raney details how the "Golden Hour" of evacuation is being replaced by the reality of prolonged field care, requiring a fundamental overhaul of medical training. He explains the expansion of the Army paramedic program and the development of high-tech solutions like Artificial Intelligence for triage and decision support. These innovations are designed to augment the front-line provider's ability to manage casualties in austere, communication-denied environments where resources are strictly limited.    Finally, Dr. Raney offers profound career advice for the next generation of healthcare professionals. He encourages students and young officers to become the experts their patients expect and to seek "Purpose Plus"—the unique fulfillment found in serving the extended family of the American soldier. By focusing on legacy and the impact left in others, Dr. Raney illustrates why military medicine remains one of the most rewarding paths a clinician can choose. Chapters (00:00-06:28) Foundations of a Career in Army Medicine (06:29-11:04) The Clinical Roots of Strategic Leadership (11:05-17:40) Lessons in Combat Casualty Care (17:41-31:35) Command Philosophy and Navigating Systemic Transitions (31:36-45:47) Preparing for Large-Scale Combat Operations and the Role of AI (45:48-50:52) Advice for the Next Generation and Finding Your Purpose Chapter Summaries (00:00-06:28) Foundations of a Career in Army Medicine: Dr. Raney details his path from a lifeguard and ROTC cadet to becoming a Family Medicine physician. He shares how he came to view the Army as his "small town" where everyone shares a common mission and community. (06:29-11:04) The Clinical Roots of Strategic Leadership: The discussion centers on how high-volume primary care at Fort Sill developed the critical decision-making skills needed for senior leadership. Dr. Raney explains how clinical encounters taught him to synthesize information and negotiate solutions under pressure. (11:05-17:40) Lessons in Combat Casualty Care: Reflecting on his deployment to Iraq, Dr. Raney emphasizes the life-saving impact of well-trained medics at the point of injury. He recounts a specific junctional injury save that demonstrated the importance of critical thinking over rote skill repetition. (17:41-31:35) Command Philosophy and Navigating Systemic Transitions: This segment covers Dr. Raney's experience commanding large medical centers and his time as a liaison during the Defense Health Agency transition. He discusses the challenges of separating healthcare from readiness and the personal lessons learned while trusting the system during a difficult investigation. (31:36-45:47) Preparing for Large Scale Combat Operations and the Role of AI: The conversation shifts to the strategic preparations for LSCO, where the traditional "Golden Hour" may no longer exist. Dr. Raney explores the expansion of paramedic training and the potential for AI to assist in triage and clinical decision support on the battlefield. (45:48-50:52) Advice for the Next Generation and Finding Your Purpose: To conclude, Dr. Raney offers career advice focused on achieving clinical expertise and finding "Purpose Plus" within the military. He shares his hope of leaving a legacy through the people he has trained and the lives he has touched. Take Home Messages Master Your Craft: Becoming an expert in your specific clinical field is the fundamental requirement for all military medical professionals. True education happens after residency when you apply your skills to real-world patient outcomes and learn from continuity of care. Lead to Purpose: Leadership should not be about the commander but about enabling others to own their piece of the mission. When a team understands their purpose, they move from just doing a job to providing meaningful interventions that change lives. Prepare for Prolonged Care: In future conflicts, the luxury of rapid evacuation will be limited, requiring medical teams to hold patients for much longer durations. Success will depend on the individual's ability to think critically and utilize limited resources in the face of unsolvable problems. Embrace Systemic Ownership: Tactical problems are often best solved by those at the tactical level rather than waiting for higher headquarters to provide a solution. Understanding that resources are finite at the strategic level empowers local leaders to take initiative and resolve issues independently. Seek Purpose Plus: Serving in the military provides a unique opportunity to practice medicine on an "extended family" that shares your core values. This sense of shared purpose turns the daily grind into a lifelong mission of service to the nation and its warriors.   Episode Keywords Army Medicine, Dr. Lance Raney, Military Medicine, WarDocs Podcast, LSCO, Large Scale Combat Operations, Combat Casualty Care, Prolonged Field Care, Army Surgeon General, Defense Health Agency, DHA Transition, Medical Readiness, Combat Medic Training, Paramedic Program, TCCC, Leadership Philosophy, Army Family Medicine, Battlefield Trauma, Medical AI, Triage Technology, Military Healthcare, Army ROTC, HPSP, Tactical Medicine, Operational Readiness, Clinical Excellence, MHS Governance. Hashtags #MilitaryMedicine, #ArmyStrong, #WarDocs, #Leadership, #CombatCasualtyCare, #MedicalReadiness, #LSCO, #MedEd   Honoring the Legacy and Preserving the History of Military Medicine The WarDocs Mission- WarDocs exists to honor the legacy of Military Medicine, preserve its history, and inspire every generation — across all Services, Corps, and Ranks — to serve with excellence and pride. Through mentorship, coaching, and education, we equip those considering, entering, and serving in military medicine with the knowledge, connections, and community they need to thrive. We celebrate Who we are, What we do, and, most importantly, How we serve Our Patients, the DoW, and Our Nation.   Find out more and join Team WarDocs at https://www.wardocspodcast.com/ Check our list of previous guest episodes at https://www.wardocspodcast.com/our-guests Subscribe and Like our Videos on our YouTube Channel: https://www.youtube.com/@wardocspodcast Listen to the “What We Are For” Episode 47. https://bit.ly/3r87Afm   WarDocs- The Military Medicine Podcast is a Non-Profit, Tax-exempt-501(c)(3) Veteran Run Organization run by volunteers. All donations are tax-deductible and go to honoring and preserving the history, experiences, successes, and lessons learned in Military Medicine. A tax receipt will be sent to you. WARDOCS documents the experiences, contributions, and innovations of all military medicine Services, ranks, and Corps who are affectionately called "Docs" as a sign of respect, trust, and confidence on and off the battlefield, demonstrating dedication to the medical care of fellow comrades in arms.     Follow Us on Social Media Twitter: @wardocspodcast Facebook: WarDocs Podcast Instagram: @wardocspodcast LinkedIn: WarDocs-The Military Medicine Podcast YouTube Channel: https://www.youtube.com/@wardocspodcast        

Crypto News: Binance founder CZ says "Bitcoin won't be "dead" for too long. Don't panic, in large friendly letters." A16z crypto, Paradigm lead $175 million bet to move global credit markets onchain. Crypto tax bills a work-in-progress as U.S. House lawmakers pose concerns. Brought to you by

David McKnight kicks this episode off by explaining how, for decades, conventional financial wisdom has been saying that, as you approach retirement, you should begin dialing down your stock exposure and increasing your bond allocation. A 60-year-old, for example, would have 40% of their portfolio in stocks and 60% in bonds.  Historically, bonds served three primary functions: They provided income, they reduced portfolio volatility, and they protected retirees from so-called sequence of returns risk. David touches upon how the sequence of returns risk works. Retirees who get hit early often run out of money earlier – in some cases, even 15 years prior to life expectancy. The old approach to retirement planning assumes that bonds could provide meaningful returns while still acting as a stabilizer. However, recent years have shown that bonds are not risk-free. Back in 2022, for instance, the Bloomberg U.S. Aggregate Bond Index lost 13%. Long-term treasuries did even worse, as many lost between 25 to 30% due to rapidly rising interest rates. David stresses that an annuity can do something bonds cannot do: It can guarantee income that you cannot outlive. It's important to realize that whenever your basic living expenses are covered, something profound happens psychologically: You stop depending on your investment portfolio to solve every problem. Furthermore, you feel as if you now have permission to spend. Studies show that those who have guaranteed lifetime income spend 22% more than those who rely strictly on a stock bond portfolio. A properly funded IUL can create a pool of tax-free money that's insulated from stock market loss and available during downturns. David unpacks a strategy that can increase the sustainable withdrawal rate on your stock portfolio from 4% to as high as 8% with a 95% success rate. When you combine guaranteed lifetime income from annuities with a volatility shield in the form of IUL, you are no longer reliant on bonds, says David. He also touches upon why retirees who adopt the no-bond power of zero approach begin to take a lot more risk in their stock market allocations. David wraps things up by sharing insights on what retirees should think about and do to increase the likelihood that, in retirement, their money will last as long as they do.     Mentioned in this episode: David's new book: The Secret Order of Millionaires David's national bestselling book: The Guru Gap: How America's Financial Gurus Are Leading You Astray, and How to Get Back on Track Tax-Free Income for Life: A Step-by-Step Plan for a Secure Retirement by David McKnight DavidMcKnight.com DavidMcKnightBooks.com PowerOfZero.com (free video series) @mcknightandco on Twitter  @davidcmcknight on Instagram David McKnight on YouTube Get David's Tax-free Tool Kit at taxfreetoolkit.com Bloomberg U.S. Aggregate Bond Index

If a hidden lien, fraudulent seller, or wire scam surfaced after closing, would you know who is actually protecting your ownership rights? In this episode of the Real Estate Excellence Podcast, Tracy Hayes sits down with Megan Lopez. Megan is an Agent Account Manager with Fidelity National Financial and a title insurance expert serving Northeast Florida. Drawing from a family background deeply rooted in real estate and title work, Megan explains the critical role title insurance plays in protecting homeowners, lenders, agents, and real estate transactions from hidden risks. Throughout the conversation, Megan breaks down the differences between owner and lender title policies, discusses real world fraud cases involving seller impersonation and wire fraud, and explains how title professionals verify ownership, resolve title defects, and protect consumers from costly claims. She also shares insights into Fidelity's underwriting process, fraud prevention strategies, and the ongoing importance of human expertise in an increasingly digital real estate landscape. If you found value in this episode, subscribe to the Real Estate Excellence Podcast, share this episode with fellow real estate professionals, and leave a review to help more buyers, sellers, agents, and lenders stay informed and protected.   HighlightsTop of FormBottom of Form 00:00 - 09:43 Megan's Journey Into Title Insurance and Real Estate ·       Family background in title and real estate ·       Starting as a receptionist in a real estate law firm ·       Becoming a licensed title agent ·       Moving to Jacksonville and joining Fidelity ·        Understanding the role of a title underwriter 09:43 - 18:29 Understanding Title Searches and Title Insurance Protection ·        How title searches are performed ·        Identifying liens mortgages and ownership issues ·        The relationship between title companies and underwriters ·        Differences between owner and lender policies ·        Why title insurance matters for every buyer 18:29 - 25:54 Real World Claims and Hidden Risks Homeowners Face ·        Common title insurance claims ·        Unknown heirs and probate disputes ·        Mechanic lien issues in new construction ·        Tax judgments and outstanding debts ·        How title insurance protects property ownership 25:54 - 34:40 Seller Fraud and Identity Verification Challenges ·        Rise of seller impersonation fraud ·        Vacant land fraud schemes ·        Warning signs agents should recognize ·        Identity verification best practices ·        Technology tools used to detect fraud 34:40 - 48:15 Wire Fraud Threats and Transaction Security ·        How wire fraud attacks happen ·        Email compromise and phishing schemes ·        Fake lenders and fraudulent instructions ·        Secure portals and verification platforms ·        Protecting buyers sellers and escrow funds 48:15 - 01:05:37 Fidelity's Role Supporting Agencies and Protecting Consumers ·        Education and training for agents and lenders ·        Marketing and growth support for title agencies ·        Underwriting expertise for complex transactions ·        Escrow oversight and reconciliation reviews ·        The future of title insurance and consumer protection     Quotes: "I don't think AI will completely take over what title professionals do day in and day out." – Megan Lopez "The owner's policy is paid once at closing and protects them for the life of them owning that home." – Megan Lopez "We're seeing a lot of fraud and those are usually the biggest losses." – Megan Lopez "The more we all are informed and educated about the benefits of title insurance, the dangers of fraud, it protects us all." – Megan Lopez   To contact Laura Megan Lopez, learn more about her business, and make her a part of your network, make sure to follow her website, Instagram, and LinkedIn.   Connect with Megan Lopez! Website: https://nationalagency.fnf.com/home Instagram: https://www.instagram.com/megan_lopez_fnfagency/ LinkedIn: https://www.linkedin.com/in/megan-lopez-48a535a3   Connect with me! Website: toprealtorjacksonville.com   Website: toprealtorstaugustine.com    SUBSCRIBE & LEAVE A 5-STAR REVIEW as we discuss real estate excellence with the best of the best.   #RealEstateExcellence #RealEstate #MeganLopez #TitleInsurance #RealEstate #RealEstateExcellence #HomeOwnership #PropertyProtection #FidelityNationalFinancial #RealEstateFraud #WireFraud #TitleSearch #HomeBuying #RealEstateAgent #MortgageLending #OwnerPolicy #LenderPolicy #PropertyOwnership #EscrowSecurity #FraudPrevention #RealEstateEducation #JacksonvilleRealEstate

Governor Beshear extends Kentucky's gas tax suspension for a couple dozen cities and counties, a state lawmaker says Beshear's executive order to expand Kentucky's medical marijuana program is illegal, several Kentucky Democrats turn out to stump for Zach Dembo in the state's 6th Congressional district, and Kentucky farmers prepare for a growing concern that could threaten their livestock.

Iran just changed the game. After Benjamin Netanyahu defied Donald Trump and bombed Beirut, Tehran and Hezbollah fired back hard — hitting Tel Aviv, Haifa, and the illegal West Bank settlements. The US-funded Iron Dome, built to stop malnourished kids with leftover mortars, couldn't keep up. Matt Baker joins Stew to discuss the dark truth behind the public assassination of Charlie Kirk and how the Deep State is now using HR 224 to quietly hand U.S. military tech and private citizen data over to a foreign power. This is the total technocratic takeover of America.

SHORT TITLE OPTIONS Graham's Reckoning? South Carolina Showdown Corruption, Reform & Runoffs The GOP Civil War Begins Anybody But Lindsey? DESCRIPTION South Carolina politics takes center stage as fierce criticism of Senator Lindsey Graham collides with major campaign interviews from Attorney General candidate David Stumbo, anti-corruption challenger David Pascoe, and gubernatorial hopeful Alan Wilson. Accusations of establishment politics, judicial corruption, immigration failures, and the lingering fallout from Russiagate dominate a heated primary day discussion. Is South Carolina on the verge of political reform—or more of the same? EPISODE SUMMARY Today's episode dives deep into South Carolina's Republican primary battles, featuring sharp attacks against Senator Lindsey Graham and claims that his post-election political transformation could quickly disappear after securing another term. The conversation explores long-standing frustrations over immigration enforcement, judicial reform, government transparency, and legislative influence in Columbia. Attorney General candidate David Stumbo outlines plans to overhaul judicial selection and reduce reliance on politically connected law firms. David Pascoe presents himself as the anti-corruption candidate prepared to challenge the state's entrenched political establishment. Meanwhile, gubernatorial candidate Alan Wilson lays out a vision for eliminating income taxes, reducing property taxes, restructuring state government, and taking a more aggressive approach toward legislative resistance. The episode also examines broader concerns about media influence, Russiagate, federal investigations, and voter trust, while highlighting growing divisions within South Carolina's Republican Party. KEY TOPICS Lindsey Graham and Republican primary tensions South Carolina immigration enforcement debate Russiagate and Trump-era investigations Judicial reform proposals Attorney General race breakdown Government corruption allegations Alan Wilson's gubernatorial platform Property tax and income tax reform Legislative accountability South Carolina GOP future CHAPTERS 00:00 Lindsey Graham and the Republican establishment 08:22 Immigration enforcement and Palmetto Pen controversy 15:10 Alan Wilson joins the show 18:45 Wilson's case for governor 24:50 Tax reform and government restructuring 31:15 Taking on the South Carolina Senate 39:00 Lindsey Graham, Russiagate, and Trump's first term 50:10 David Stumbo discusses Attorney General race 54:40 Judicial reform and corruption concerns 1:03:15 Conservative priorities and law enforcement 1:10:30 David Pascoe enters the debate 1:14:20 Anti-corruption platform and establishment criticism 1:22:45 Final election day arguments CLICKABLE TITLE OPTIONS Why Lindsey Graham's Biggest Critics Say The Real Him Returns Tomorrow South Carolina GOP Civil War Explodes on Primary Day Alan Wilson Promises Tax Cuts, Judicial Reform & Political Fights David Pascoe Declares War on Columbia's Political Machine The Battle for South Carolina's Future Is Happening Right Now Republican Candidates Unload on Corruption, Courts and Graham Could South Carolina Be Headed for a Political Shakeup? Inside the Fierce GOP Primary Fight Rocking South Carolina Attorney General Candidates Promise Major Government Reform The Establishment vs. The Outsiders: South Carolina Decides YOUTUBE TAGS South Carolina politics, Lindsey Graham, Alan Wilson, David Stumbo, David Pascoe, South Carolina governor race, South Carolina attorney general race, GOP primary, Republican primary, judicial reform, government corruption, South Carolina senate, Donald Trump, Russiagate, immigration enforcement, conservative politics, election day, South Carolina elections, political podcast, Tara Show THUMBNAIL TEXT OPTIONS ANYBODY BUT LINDSEY? GOP CIVIL WAR SC POLITICAL SHAKEUP REFORM OR MORE OF THE SAME? GRAHAM UNDER FIRE CORRUPTION CRACKDOWN? PRIMARY DAY SHOWDOWN WHO RUNS SOUTH CAROLINA? SEO K ...

SHORT TITLE OPTIONS Lindsey Graham: The Real Return? SC GOP Breaks Open The Machine vs. the Movement Trump, Graham & the Primary War “Anybody But Lindsey?” DESCRIPTION South Carolina's Republican politics erupt in a fiery Election Day broadcast as deep divisions inside the GOP collide with renewed attacks on Senator Lindsey Graham's record, particularly his role during the Russia collusion investigations. The episode features a sweeping discussion of establishment power in Washington and Columbia, alongside interviews with conservative challengers pushing anti-corruption platforms, judicial reform, and major restructuring of state government. From immigration enforcement frustrations to claims of uniparty control, the conversation paints a picture of a Republican Party at war with itself—while voters head to the polls to decide its future direction. EPISODE SUMMARY Today's broadcast centers on a sharp political critique of Senator Lindsey Graham, arguing that his public posture shifts depending on electoral timing and political pressure, particularly in relation to the Trump era and the Russia collusion investigations. The discussion revisits the Russiagate period, describing it as a defining moment in modern Republican distrust of federal institutions and intelligence leadership, while alleging that key officials and lawmakers played roles in expanding or legitimizing the investigation. Layered into the conversation are broader South Carolina political themes, including frustration with immigration enforcement policy, claims of entrenched “machine politics” in Columbia, and skepticism toward establishment Republican leadership. The program also features extended candidate interviews from the state's Republican primary races, where contenders for attorney general and governor lay out competing visions focused on judicial reform, tax reduction, anti-corruption enforcement, and expanding executive power. As Election Day unfolds, the episode frames the vote as a referendum on both state leadership and the direction of the Republican Party itself. KEY TOPICS Lindsey Graham and GOP establishment criticism Russia collusion / Russiagate political legacy South Carolina “political machine” allegations Immigration enforcement debate in SC GOP primary dynamics and voter turnout Judicial reform proposals Income tax elimination and fiscal policy Attorney General race coverage Governor race policy platforms Republican Party internal conflict CHAPTERS 00:00 — Election Day and South Carolina GOP tensions 06:45 — “Machine politics” and establishment control claims 13:30 — Immigration enforcement frustrations in SC 20:10 — Lindsey Graham and Russiagate controversy revisited 31:25 — Trump-era investigations and political fallout 42:00 — Attorney General candidate interviews begin 50:15 — Judicial reform and corruption arguments 59:40 — Tax cuts, education, and executive power expansion 1:08:30 — Governor's race and legislative power struggle 1:18:00 — Final Election Day messaging and voter appeal SOUND BITES “That machine has been in place for years.” “He'll be one version during the election—and another after.” “The Russia collusion narrative shaped everything that followed.” “This is a job interview for the governor's office.” “The governor should lead from the front.” “Anybody but the machine.” SOCIAL MEDIA POST (FACEBOOK)

Join us for an insightful conversation with Juan Pablo Puentes, a long-time listener and expert from Neiva in Huila, Colombia. We explore Colombia's regional potential, infrastructure challenges, renewable energy opportunities, and cultural insights, offering a nuanced perspective beyond the typical narratives. This feels like a special episode of the Colombia Calling podcast, that's because it is...Juan Pablo has been a listener of the podcast for 12 years dating back to when he was a student in the Netherlands. Some things to consider about Neiva and Huila: "Huila produces 20% of Colombia's coffee" "Colombia has high solar radiation potential" "Tax benefits make solar investment viable"   Plenty to think about! Tune in to this and the Colombia Briefing reported by Emily Hart.

Send us Fan MailJoin Professor Jeffrey Sachs and tax policy expert Professor Dorothy A. Brown for a thought-provoking discussion of her books, The Whiteness of Wealth and Getting to Reparations. Drawing on decades of research, Brown examines how seemingly race-neutral tax policies have contributed to widening racial wealth disparities in the United States and explores what meaningful economic repair could look like in practice.Together, they discuss how the U.S. tax system has historically advantaged white households while limiting wealth-building opportunities for Black Americans. The conversation explores the hidden ways tax policy shapes homeownership, education, employment, and intergenerational wealth, as well as the broader historical forces that continue to influence economic inequality today. Brown also outlines her vision for reparations, arguing that confronting the legacy of slavery and systemic discrimination is essential to building a more equitable society.This episode offers listeners a deeper understanding of the intersection of race, public policy, and economic justice. It challenges conventional assumptions about fairness in the tax code and invites a broader conversation about how societies can address historical harms while creating more inclusive pathways to opportunity and prosperity. The Book Club with Jeffrey Sachs is brought to you by the SDG Academy, the flagship education initiative of the UN Sustainable Development Solutions Network. Learn more and get involved at bookclubwithjeffreysachs.org.⭐️ Thanks for listening to Book Club with Jeffrey Sachs!

Tax credit equity pricing is determined by various important supply-and-demand factors. On this episode of Tax Credit Tuesday, Michael Novogradac, CPA, sits down with Novogradac partners and CPAs Tony Grappone, Michael Kressig, Brad Elphick and Dirk Wallace to discuss the factors affecting demand for tax credit equity in 2026 and in the future. The speakers discuss the investor market and pressing issues for low-income housing tax credits (LIHTCs), new markets tax credits (NMTCs), historic tax credits (HTCs) and renewable energy tax credits (RETCs). The five then discuss potential legislative and regulatory changes on the horizon. This episode is the second part of a two-part series, with Part 1 released June 2.

What Exactly Is a Reverse Mortgage? Episode 387 – We hear so much talk these days about reverse mortgages. Are they worth looking into? For some people the answer is yes, but only if certain conditions are met. More SML Planning Minute Podcast Episodes Transcript of Podcast Episode 387 Hello, this is Bill Rainaldi, with another edition of Security Mutual's SML Planning Minute. In today's episode: so what exactly is a reverse mortgage? It's hard to miss all the talk these days about reverse mortgages as an income tool for retirees. Some experts like them, some experts don't. But what are they and how do they work? For many Americans, their biggest asset is the equity they have in their home. Some might not have saved much for retirement. But after years, perhaps decades, of living in the same home, they've built up their home equity through appreciation and amortization of their mortgage. When they look at their balance sheets, that becomes their biggest plus. What options do people have if they get to retirement age, have limited retirement savings, and realize that Social Security just isn't going to be enough? A reverse mortgage is one possible answer. A reverse mortgage is available for homeowners aged 62 and over. It is a way to fund retirement by borrowing against the equity you've built up in your home. The more home equity you have, the better. But it's certainly not for everyone. A reverse mortgage is not the same thing as a home equity line of credit, or HELOC. It's called a reverse mortgage because instead of you making monthly payments to the bank, the bank makes monthly payments to you. The income you get from a reverse mortgage is generally not taxable. You can use that income as needed to cover monthly expenses, including such things as home maintenance, property taxes, or, if needed, home health care expenses.[1] A reverse mortgage isn't free. The amount you owe against your house, which includes the principal and accruing interest, increases as you receive your monthly payments. So over time, your home equity decreases. You are essentially trading a little bit of your home equity every month for current income. Note that you typically don't have to repay the mortgage as long as you continue to use the home as your primary residence. But if you decide to sell your house or move out, the full balance will become due. If you die before you move out, in most cases your executor will sell the home and use the proceeds to pay back the accumulated reverse mortgage debt.[2] Reverse mortgages generally come in three different varieties. The first, and by far the most common, are loans overseen by the Federal Housing Authority. These are known as Home Equity Conversion Mortgages or HECMs. The homeowner has discretion over what to use the funds for, but before closing, they must meet with a counselor approved by the Department of Housing and Urban Development. This one requirement is designed to help curb fraud and abuse. HECMs account for approximately 95 percent of all reverse mortgages.[3] They are more regulated than other types of reverse mortgages and offer some extra protection. For one thing, neither you nor your heirs will ever owe more than the house is worth, even if it goes down in value. And if your lender goes out of business, the federal insurance program guarantees that you will still receive your monthly payments.[4] The maximum you can borrow under the federal program in 2026 is $1,249,125.[5] You will typically need to have at least 50 percent equity in your home (based on appraised value) to qualify. Reverse mortgages typically have adjustable interest rates. Note that the income from a reverse mortgage usually comes in the form of a monthly payment, but that's not a requirement. It can also be in a lump sum. The two other less common types of reverse mortgages are “single-purpose reverse mortgages,” which are backed by a nonprofit organization or a state or local government, and “proprietary reverse mortgages,” which are offered by private organizations without any government backing. Reverse mortgages have had a somewhat mixed reputation over the years. For one thing, the fees involved can be considerable. A reverse mortgage typically has origination fees, mortgage insurance premiums, closing costs and monthly servicing fees, all of which add up.[6] And there are still some scams out there. Some fraudsters will entice vulnerable seniors with misleading or fraudulent claims. One of those might be when a potential intermediary tries to get you into a reverse mortgage, then uses the money for some sort of “investment opportunity” that they control. They will then typically end up pocketing some of your home's equity themselves.[7] One way to avoid scams like this is to start with a trusted financial advisor or your current lender. Are there other potential solutions? Of course. The most obvious is, if possible, to save more at an earlier age and allow compound interest to work its magic. But for a lot of people, that's just not possible. For some people, a reverse mortgage is another option. There are caveats, but this may be a good choice in the right circumstances. A reverse mortgage is not the perfect solution, but for some, depending on their situation, it may be the most viable one. [1] Equifax Life Stages. “What is a Reverse Mortgage and How Does it Work?” Equifax.com. https://www.equifax.com/personal/education/credit/score/articles/-/learn/reverse-mortgage/ (accessed May 19, 2026). [2] Id. [3] Yale, Aly J. “What Is a Reverse Mortgage?” AARP.org. https://www.aarp.org/money/personal-finance/reverse-mortgage-guide/ (accessed May 19, 2026). [4] Id. [5] Johnson, Jamie. “HECM Loan Limits: What They Are and How They Work in 2026.” Themortgagereports.com. https://themortgagereports.com/124868/hecm-loan-limits (accessed May 20, 2026). [6] Miller, Peter G. “Reverse mortgage pros and cons.” Bankrate.com. https://www.bankrate.com/mortgages/reverse-mortgage-pros-and-cons/#cons (accessed May 20, 2026). [7] Goff, Kacie. “Reverse mortgage scams: What they are and how to avoid them.” Bankrate.com. https://www.bankrate.com/mortgages/reverse-mortgage-scams/#common-scams (accessed May 20, 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

Financial Assessment (Meet with an experienced professional):https://bit.ly/PureAssessmentFree Financial Resources in This Episode: https://bit.ly/ymyw-585 (full show notes & episode transcript)Today on Your Money, Your Wealth® podcast number 585, Joe and Big Al spitball for folks who are already winning and thinking about getting fancy with it. Reno in Oregon is 50, and his pension is so big he's not sure how to invest or why he would need to convert to Roth. Michael is considering taking out a half-million-dollar margin loan to juice investment returns. What do the fellas think? Tune in for the surprising debate. Husker Fans just pocketed two million from selling their business here come the product pitches: should they buy annuities, set up a charitable trust, or just swallow the tax? What do the fellas think of whole life insurance? And finally, John and Lib on Waltons Mountain - or rather, the Catskills - aren't sure if they've saved too little or too much. Can they bridge the gap until their pension?Emotionless Investing Guide - free download:https://purefinancial.com/white-papers/emotionless-investing-guide/?utm_source=captivate&utm_medium=podcast&utm_campaign=whitepaper-emotionless-investing-guide&utm_content=ymyw-pod-ep585-description-whitepaperFinancial Blueprint - free, self-guided:https://purefinancial.com/financialblueprint/?utm_source=captivate&utm_medium=podcast&utm_campaign=financial-blueprint&utm_content=ymyw-pod-ep585-description-blueprintRetirement Rebound: 5 Plays to Help You Score a Comeback - YMYW TV:https://purefinancial.com/ymyw/episodes/retirement-rebound-5-plays-help-score-comeback/?utm_source=captivate&utm_medium=podcast&utm_campaign=ymyw-tv&utm_content=ymyw-pod-ep585-description-tv-s10e11REQUEST your Retirement Spitball Analysis:https://bit.ly/AskJoeAndAlDOWNLOAD more free guides:https://bit.ly/PureGuidesREAD financial blogs:https://bit.ly/PureFinBlogWATCH educational videos:https://bit.ly/PureEdVideosSUBSCRIBE to the YMYW Newsletter:https://bit.ly/YMYWNewsletterConnect With Us:Subscribe on YouTube and join the conversation in the comments:https://bit.ly/YMYW-YTSubscribe or follow YMYW in your favorite podcast app:https://lnk.to/ymywLeave your honest reviews and ratings in Apple Podcasts:https://podcasts.apple.com/us/podcast/your-money-your-wealth/id312900254Chapters: 00:00 - Intro: This Week on the YMYW Podcast00:58 - How Should a Pension-Rich 50-Year-Old Invest? Should They Even Bother with Roth Conversions? (Reno, OR)10:30 - Should I Borrow $500K in a Margin Loan to Invest? (Michael, VA)23:01 - We're Getting $2M From Selling the Business. Annuity, Charitable Trust, or Bite the Tax? What About Whole Life Insurance? (Husker Fans, Nebraska)34:14 - Can a Frugal Mountain Couple Bridge the Gap to a $60K Pension? (John & Lib, NY Catskills)41:13 - Outro: Next Week on the YMYW Podcast

Jason Hartman and Michael Zuber explore the multi-dimensional benefits of investing in income properties, emphasizing why real estate outperforms one-dimensional assets like gold or cryptocurrency. They expand upon the traditional IDEAL acronym—representing Income, Depreciation, Equity growth, Appreciation, and Leverage—by adding three advanced wealth-building strategies. These "bonus" levers include inflation-induced debt destruction, which allows investors to repay fixed-rate loans with devalued currency, and the 1031 tax-deferred exchange to avoid capital gains. They also highlight the stepped-up basis as a vital tool for passing wealth to heirs without a heavy tax burden. Throughout the conversation, they stress the importance of maintaining direct control over investments rather than trusting middlemen or syndicators. Ultimately, they serves as a guide for using real estate as a historically proven vehicle for both building and preserving long-term prosperity.   Key Takeaways: 0:00 IDEAL: Real estate vs. other investments 10:39 PropertyTracker.com and IIDD 12:11 1031 Tax-deferred exchange and Jason's commandment #3 20:59 Stepped-up basis #RealEstateInvesting #IDEAL #IncomeProperty #InflationInducedDebtDestruction #1031Exchange #SteppedUpBasis #TaxBenefits #WealthBuilding #DirectInvesting #MultiDimensionalAsset #30YearFixedRateDebt #JasonHartman #MichaelZuber #Depreciation #FinancialFreedom #EquityGrowth #Appreciation #Leverage #TaxDeferredExchange #PassiveIncome    _______________________________________________________________   Follow Jason on TWITTER, INSTAGRAM & LINKEDIN Twitter.com/JasonHartmanROI Instagram.com/jasonhartman1/ Linkedin.com/in/jasonhartmaninvestor/ Call our Investment Counselors at: 1-800-HARTMAN (US) or visit: https://www.jasonhartman.com/ Free Class:  Easily get up to $250,000 in funding for real estate, business or anything else: http://JasonHartman.com/Fund CYA Protect Your Assets, Save Taxes & Estate Planning: http://JasonHartman.com/Protect Get wholesale real estate deals for investment or build a great business – Free Course: https://www.jasonhartman.com/deals Special Offer from Ron LeGrand: https://JasonHartman.com/Ron Free Mini-Book on Pandemic Investing: https://www.PandemicInvesting.com

On August 24, 410 AD, the Visigoths walked into Rome. They didn't break down the gates. They didn't storm the walls. The gates were opened from the inside — by slaves, by people who had been living under the Empire for years and had quietly stopped believing in it.The conventional story of the Sack of Rome is barbarian invasion. Fire and screaming. Civilization ending in a single night. That's the Hollywood version. The reality is quieter and worse.Rome wasn't murdered. It was hollowed out over more than two centuries by three forces that had nothing to do with barbarians.The first was money. The silver denarius had been debased so consistently that by 410 the coins were essentially worthless metal stamped with the emperor's face — a promise nobody believed anymore. Soldiers stopped showing up because they were being paid with garbage. Tax collectors demanded payment in gold and silver because the state's own currency wasn't worth taking.The second was borders. On the last day of 406, the Rhine froze and tens of thousands of Vandals, Suebi, and Alans walked across into Roman Gaul. The forts along the river were empty or close to it. The garrisons had been pulled back, stripped to fight civil wars in Italy, or simply never replaced. The frontier wasn't overrun. It was abandoned.The third was power. The Emperor Honorius was hiding in Ravenna — a swamp city with marsh walls — issuing laws that nobody enforced. When they told him Rome had fallen, he thought they meant his pet chicken, a bird he had named Roma. He had become emperor at eight years old. He had never led an army, never governed a province, never made a decision that wasn't filtered through palace bureaucrats more interested in their own survival than the Empire's.When Alaric's Visigoths arrived at the gates of Rome in August 410, the city's own slaves opened them.Rome didn't fall that day. Not really. The Visigoths left after three days. Honorius stayed in Ravenna. The Empire limped on for another 66 years. But everyone who mattered understood what 410 meant. The machine had been failing for centuries. The sack was just the paperwork catching up.Empires don't fall. They hollow out. And hollowing is worse than falling — because from the outside, everything still looks intact.00:00 — Rome Wasn't Murdered, It Was Hollowed Out01:54 — Welcome to The Roman Pattern02:19 — Rome in 410: A Theater Set03:06 — Two Centuries of Debasement05:15 — December 406: When the Rhine Froze06:53 — Alaric: The Visigoth Who Wanted to Be Roman08:16 — Honorius and His Chicken Named Roma09:10 — August 24, 410: The Gates Open From Inside10:29 — Saint Jerome Wept in Bethlehem11:50 — Why Rome Didn't Fall (Yet)12:44 — The Three-Link Chain: Money, Borders, Power14:02 — Hollowing Is Worse Than Falling14:53 — The Universal Pattern15:55 — Same Playbook, Different Century

Live on the Shaun Attwood Show, details the Mossad-run Epstein blackmail operation that has controlled politicians, elites, and the orange man that millions still worship.

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 Todd Kroupa A former firefighter turned top-producing real estate agent in Georgia. Todd explains his journey from a physically demanding fire department career to becoming a highly successful real estate broker, team leader, and luxury/equestrian property specialist. The conversation walks through: His transition from the fire service to real estate Opening and managing a 400‑agent office in Florida Relocating to Georgia and re-establishing his business How he advises both first-time homebuyers and experienced sellers Emotional decision-making in buying and selling Inspections, deal-breakers, and buyer/seller behavior Multi-generational housing trends post‑COVID Why real estate remains a wealth-building tool Advice for navigating neighborhoods, schools, and due diligence His eventual ranking as #1 single agent for Berkshire Hathaway in Georgia (2024–2025) Todd emphasizes integrity, long-term relationships, and guiding clients toward the right house — not just closing a deal. Purpose of the Interview The purpose of Todd Kroupa’s appearance is to: Share a motivational career-change story — moving from firefighter to top real estate agent. Educate listeners on the real estate process — including buying, selling, inspections, and market strategy. Give practical tips for first-time homebuyers, families, and multi-generational households. Promote best practices for choosing neighborhoods, navigating emotion in home buying, and avoiding pitfalls. Highlight Todd’s success and position him as a trusted resource for Georgia real estate clients. Key Takeaways 1. Career Transition & Motivation Todd became a firefighter in 1992, retired in 2014, and began real estate in 2002. Real estate appealed to him because it allowed him to continue helping people without the physical strain. He built and managed a 400-agent office before returning to working directly with clients — his true passion. 2. Balancing Firefighting and Real Estate He often worked both jobs full-time, with limited days off. Eventually, maintaining both became impossible: “I can’t do this anymore,” he told his wife. 3. Buyer Advice Buyers make decisions emotionally first, then logically. Within the first 3–5 minutes in a home, buyers often know if they like it. Lighting, paint color, home condition, and layout heavily influence emotional response. First-time buyers need extra guidance — like “teaching someone to drive for the first time.” 4. Seller Advice Selling isn’t just about market timing — presentation matters. Neutral paint colors and bright white lighting help increase buyer appeal. Every showing is won or lost in the first few minutes. 5. Inspections Matter — and Are Deal Breakers Top inspection walk‑aways: Mold Foundation issues Roof problemsTodd stresses that if a buyer is uncomfortable before closing, “you won’t be comfortable after you close.” 6. Emotion vs. Logic Many buyers get emotionally attached and ignore red flags. Todd’s rule: commissions should never drive decisions. 7. Multi-Generational Living Is Rising Driven by COVID, high child-care costs, rising home prices. Families are choosing: ADUs (Accessory Dwelling Units) “In-law suites” Larger family compounds 8. Real Estate as a Wealth Builder Unlike stock investments, real estate allows you to: Control, improve, alter, and live in the asset. Tax advantages like 1031 exchanges and mortgage deductions compound long-term value. 9. Don’t Buy the Most Expensive House in the Neighborhood Surrounding homes cap your resale value. You may have to wait years for nearby homes to “catch up.” 10. Neighborhood Due Diligence Realtors must avoid discrimination (Fair Housing Act). Buyers should: Visit neighborhoods at night and on weekends Speak with neighbors Review school ratings and county resources Notable Quotes (from the transcript) Career & Purpose “I love helping people. That’s why I became a fireman. Real estate was another way to help people.” “I wasn’t quite sure I wanted to manage long term… my heart was with clients.” Ethics & Commission “Commissions should never be above the people.” “If you’re focused on commissions, you need to pick a different industry.” Emotions in Home Buying “Buyers think they’re looking logically, but they’re looking emotionally first.” “Within the first 3–5 minutes, they already know if they like the home.” Inspections “If you’re not comfortable with the property now, you won’t be comfortable after you close.” Neighborhood Choice “Focus on the house, but look at the neighborhood — you can’t change your neighbors.” Wealth Building “With stocks you can’t control it, improve it, or live in it. With a home, you can.” Success & Determination “Someone told me when I moved to Georgia I wasn’t going to make it. Now I’m the number one salesperson in Georgia.” #SHMS #STRAW #BESTSupport the show: https://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

 This week on Straight White American Jesus, Brad and Dan trace the connections between Trump-era immigration policy, rising far-right extremism, and a growing international movement built around the idea of “remigration.” Beginning with unrest at New Jersey's Delaney Hall detention center, they examine former ICE official Greg Bovino's appearance at a European far-right conference and discuss how anti-immigrant rhetoric, Christian nationalism, and white identity politics are increasingly intertwined on both sides of the Atlantic. The conversation explores how language, policy, and political movements reinforce one another—and what it means when American officials and European extremists are drawing inspiration from the same playbook. The episode also dives into new Gallup polling showing declining support for LGBTQ+ rights after decades of gains, particularly among Republicans, and considers how coordinated religious and political campaigns have reshaped public opinion. Brad and Dan connect these trends to battles over schools, charter education, and public funding, while also unpacking Pete Hegseth's efforts to narrow religious representation in the military chaplaincy. They close with a discussion of free speech, the courts' response to the “8647” controversy, and several signs of hope—including a federal court ruling protecting transgender service members and the ongoing celebration of Pride Month. Along the way, they share exciting news about the next chapter of Axis Mundi Media, including new live programming, The Daily Brief, and plans to expand independent coverage of religion, democracy, and power. Axis Mundi is becoming more than a podcast network. We are building the essential newsroom for understanding religion, democracy, extremism, and power in America today. And with your support, we can build it together. Direct support: https://axismundi.supercast.com/donations/new Tax-deductible donations through our partnering 501c3: https://www.irmce.org/donate Learn more about your ad choices. Visit megaphone.fm/adchoices