Podcasts about Tax

Episode Summary: Taxable brokerage accounts are often overlooked but are essential for building wealth and achieving early retirement. Brad Barrett and Cody Garrett highlight their flexibility, tax advantages, and strategic value. Cody Garrett provides insights on how to effectively navigate these accounts, dismantling common misconceptions while sharing actionable strategies. Key Takeaways: Understanding the definition and benefits of taxable brokerage accounts. The flexibility of contributions and investment options. Tax optimization strategies, including long-term capital gains and tax loss harvesting. The importance of asset location for tax efficiency. How to navigate the rules around gifting and estate planning regarding taxable accounts. Timestamps: 00:02:00 - Defining Taxable Accounts 00:10:30 - Investment Opportunities and Options 00:11:30 - Tax Benefits and Treatments 00:25:00 - Best Investment Types for Taxable Accounts 00:48:00 - Conclusion and Action Steps Main Discussion Topics: Introduction to Taxable Brokerage Accounts (00:00:00) The hosts introduce the episode's focus on taxable brokerage accounts as crucial but often ignored tools in financial strategy. Defining Taxable Accounts (00:02:00) A taxable brokerage account is described as a non-retirement account where investment income is taxed in the year it is earned, providing the flexibility of access and lack of penalties. Investment Opportunities and Options (00:10:30) Taxable accounts allow unlimited contributions with various investment opportunities that traditional retirement accounts may restrict. This includes stocks, ETFs, mutual funds, and even cryptocurrencies. Tax Benefits and Treatments (00:11:30) Earnings from dividends and long-term capital gains are subject to preferential tax rates, significantly benefiting investors. Discussion on tax strategies to minimize liabilities while maximizing income. Best Investment Types for Taxable Accounts (00:25:00) U.S. stock index funds are highlighted as optimal investments for taxable accounts due to their lower tax implications on dividends compared to foreign stocks. Conclusion and Action Steps (00:48:00) The episode wraps up with actionable steps for listeners, emphasizing the advantage of maximizing contributions to taxable accounts, especially after maxing out retirement accounts. Actionable Takeaways: Maximize contributions to your taxable brokerage account once you hit contribution limits for retirement accounts. (00:47:00) Consider holding U.S. stock index funds in taxable accounts for favorable tax treatment. (00:25:00) Utilize specific share identification methods for selling investments to optimize tax outcomes. (00:17:20) FAQs: What is a taxable brokerage account? A non-retirement account where investment earnings are taxed in the year they are earned. (00:02:30) What are the main advantages of a taxable brokerage account? Unlimited contributions, diverse investment options, and favorable tax treatment on capital gains and qualified dividends. (00:11:30) How are earnings taxed in a taxable account? Earnings are taxed in the year they are realized, which includes dividends and capital gains distributions. (00:03:00) Are there any penalties for early withdrawal from a taxable account? No penalties apply, offering flexibility compared to traditional retirement accounts. (00:34:00) Key Quotes: "Success comes with a price: don't let your money sit idle in a checking account." (00:06:00) "Prioritize earning over worrying about taxes." (00:06:16) "Taxable accounts can offer significant tax advantages." (00:11:32) "Don't let the tax tail wag the dog." (00:29:59) Related Resources: Measure Twice Money - For more insights on financial strategies. Episode #517: Tax Gain Harvesting Strategies - A detailed discussion on optimizing tax strategies. Cody and Sean's book announcement page Discussion Questions: How can taxable brokerage accounts enhance your investment strategy? What strategies can be implemented to maximize the tax advantages of taxable accounts? How should one decide which types of investments to prioritize in taxable accounts?

In this episode, Liz Ann Sonders and Kathy Jones discuss the current state of the bond market, the influence of central banks, and the impact of policy announcements on market dynamics. They explore consumer confidence, economic indicators, and the potential effects of upcoming labor data on market trends. The discussion highlights the volatility in the markets and the importance of understanding the interplay between policy and economic conditions.You can read the article on hard data vs. soft data by Liz Ann and Kevin Gordon on Schwab.com. On Investing is an original podcast from Charles Schwab. For more on the show, visit schwab.com/OnInvesting. If you enjoy the show, please leave a rating or review on Apple Podcasts.Important DisclosuresInvestors should consider carefully information contained in the prospectus, or if available, the summary prospectus, including investment objectives, risks, charges, and expenses. You can request a prospectus by calling 800-435-4000. Please read the prospectus carefully before investing.The information provided here is for general informational purposes only and should not be considered an individualized recommendation or personalized investment advice. The investment strategies mentioned here may not be suitable for everyone. Each investor needs to review an investment strategy for his or her own particular situation before making any investment decision.All expressions of opinion are subject to change without notice in reaction to shifting market conditions. Data contained herein from third-party providers is obtained from what are considered reliable sources. However, its accuracy, completeness, or reliability cannot be guaranteed.Examples provided are for illustrative purposes only and not intended to be reflective of results you can expect to achieve.Investing involves risk, including loss of principal.Performance may be affected by risks associated with non-diversification, including investments in specific countries or sectors. Additional risks may also include, but are not limited to, investments in foreign securities, especially emerging markets, real estate investment trusts (REITs), fixed income, municipal securities including state specific municipal securities, small capitalization securities and commodities. Each individual investor should consider these risks carefully before investing in a particular security or strategy.Forecasts contained herein are for illustrative purposes only, may be based upon proprietary research and are developed through analysis of historical public data.The information and content provided herein is general in nature and is for informational purposes only. It is not intended, and should not be construed, as a specific recommendation, individualized tax, legal, or investment advice. Tax laws are subject to change, either prospectively or retroactively. Where specific advice is necessary or appropriate, individuals should contact their own professional tax and investment advisors or other professionals (CPA, Financial Planner, Investment Manager) to help answer questions about specific situations or needs prior to taking any action based upon this information.The policy analysis provided by the Charles Schwab & Co., Inc., does not constitute and should not be interpreted as an endorsement of any political party.Currency trading is speculative, volatile and not suitable for all investors.Fixed income securities are subject to increased loss of principal during periods of rising interest rates. Fixed income investments are subject to various other risks including changes in credit quality, market valuations, liquidity, prepayments, early redemption, corporate events, tax ramifications, and other factors.Lower rated securities are subject to greater credit risk, default risk, and liquidity risk.(0525-1AMU)

Andrew Lautz, associate director for the Bipartisan Policy Center's Economic Policy Program, talks about the impact of raising the cap on SALT (state and local tax) deductions that benefit many New York and New Jersey taxpayers and what options there are to make up the difference in revenue.

On today's show: Andrew Lautz, associate director for the Bipartisan Policy Center's Economic Policy Program, talks about the impact of raising the cap on SALT (state and local tax) deductions—and who benefits.

This episode is sponsored by…BLUPRINT HOME LOANS:Get pre-approved with one of RTR's preferred lenders at https://bluprinthomeloans.com/renttoretirement/ REALSOURCE RESIDENTIAL:Invest in multifamily opportunities in the best markets! https://realsourceresidential.com/rtrIn this must-watch episode of the Rent To Retirement podcast, hosts Adam Schroeder and Zach Lemaster break down the real estate trends, loan strategies, and major tax advantages that savvy investors need to know about in 2025.

This episode is sponsored by…BLUPRINT HOME LOANS:Get pre-approved with one of RTR's preferred lenders at https://bluprinthomeloans.com/renttoretirement/ REALSOURCE RESIDENTIAL:Invest in multifamily opportunities in the best markets! https://realsourceresidential.com/rtrIn this must-watch episode of the Rent To Retirement podcast, hosts Adam Schroeder and Zach Lemaster break down the real estate trends, loan strategies, and major tax advantages that savvy investors need to know about in 2025.

In this episode of the National Crawford Roundtable podcast the guys discuss President Trump's "Big, Beautiful Bill"--what is in it? They will also talk about what is happening with the Ukraine/Russia war. And we take a look at Trump's plans to redistribute Harvard funds to trade schools.

In this episode of the Power of Zero Show, host David McKnight discusses the scenario in which you have maxed out your 401(k) and are wondering where you should invest the rest of your money. The episode kicks off with David addressing the type of 401(k)s you should be investing in first. There are two types of 401(k)s: the traditional pre-tax 401(k) and the Roth 401(k). Should you go for a traditional 401(k) or a Roth 401(k)? It all depends on whether you think your tax bracket is likely to be lower or higher in retirement… With the national debt set to hit $62 trillion by the year 2035, David believes that, “There isn't any way the Federal Government can service that type of debt without increasing taxes.”  Planning on retiring past 2035 and you're currently in the 24% tax bracket? Then, David recommends opting for a Roth 401(k). This year, you can put $23,500 into your Roth 401(k) if you're younger than 50, and $31,000 if you're over the age of 50. David talks about what to do if you're married and have maxed out your Roth 401(k), as well as what you can do if your modified adjusted gross income is less than $246,000 as a married couple, or $161,000 as a single filer. David illustrates the scenario in which relying on a LIRP (Life Insurance Retirement Plan) would make sense. According to a recent Ernst & Young study, if you can save between 3 and 5 years worth of living expenses in your LIRP by day 1 of retirement, you can increase the sustainable withdrawal rate of your stock portfolio from 4% to as high as 8%. David points out that there's no limit on how much you can put into your LIRP and, unlike with what happens with Roth contributions, you are not constrained by your modified adjusted gross income level. Another point in favor of opting for a LIRP is the fact that it grows safely and productively – the growth of the money in your LIRP is linked to the upward movement of a stock market index. Whatever that index does in any given year, you get to keep up to a cap that's typically between 10% and 12%. Index going down? Then, you're simply credited a zero.     Mentioned in this episode: David's national bestselling book: The Guru Gap: How America's Financial Gurus Are Leading You Astray, and How to Get Back on Track DavidMcKnight.com DavidMcKnightBooks.com PowerOfZero.com (free video series) @mcknightandco on Twitter  @davidcmcknight on Instagram David McKnight on YouTube Get David's Tax-free Tool Kit at taxfreetoolkit.com Ernst & Young

In this episode, host David Mandell welcomes Bob Goettling, a seasoned investment banker and legal expert with over 30 years of experience in healthcare transactions, to discuss the emerging relevance of ESOPs (Employee Stock Ownership Plans) for physician practices. Goettling shares his professional journey, from early M&A work to helping physician groups explore monetization options, including ESOPs as a potentially powerful but underutilized tool.  Bob breaks down the core structure and history of ESOPs, describing them as trust-based leveraged buyouts that allow physicians and employees to own their practice while benefiting from significant tax advantages. He explains how the Bloom Organization itself became an ESOP nearly a decade ago, and how his team has since developed a tailored hybrid ESOP model for medical practices, especially as interest in private equity has cooled due to rising interest rates and negative post-deal experiences. While ESOPs offer clear advantages—like retaining control and optimizing tax outcomes—they also come with complexity. Goettling stresses the importance of choosing the right advisors and ensuring a strong internal management structure. Not every practice is a good fit; size, structure, and strategic alignment are critical factors. The episode offers high-level insight into how ESOPs work, who they benefit, and what red flags to watch for in considering this alternative to traditional M&A routes. KEY INSIGHTS ESOP stands for Employee Stock Ownership Plan and enables employees to become beneficial owners through a trust structure. Originally introduced in the 1950s, ESOPs gained traction in the 1970s due to government incentives. Goettling and his team at Bloom implemented an ESOP for their own firm nearly 10 years ago and now advise physician groups on doing the same. Tax benefits are significant: ESOP sellers can defer or eliminate capital gains, and the entity itself becomes tax-exempt. ESOPs allow physicians to monetize their practice without surrendering control, unlike private equity deals. The model is ideal for larger practices (15–20+ physicians) with existing governance (boards, CEOs, CFOs). Complexity is a key barrier—ESOPs involve oversight from both the IRS and Department of Labor. Hybrid ESOP models can account for partners, junior doctors, staff, and even future hires. Mistakes often stem from poor advisory choices; experience with ESOPs is essential to avoid pitfalls. ESOPs can be a game-changer for practices looking to stay independent while scaling strategically. Learn more, including additional show notes, links, and detailed key takeaways, by visiting physicianswealthpodcast.com. Click here to get your FREE copy of our latest book, Wealth Strategies for Today's Physician!

Ever feel trapped in your own box? In this brutally honest episode, Mss Francois (the Multi-talented and Super Sexy powerhouse from Trinidad and Tobago) exposes the immigrant journey nobody talks about—being kicked to the curb with her belongings in garbage bags just months after arriving in America.She doesn't sugarcoat it: "It sucked. I hated it." But from those black trash bags emerged unfiltered wisdom on building success when nobody believes in you. Discover why strangers often lift you higher than your own family, why your phone contacts list might be sabotaging your future, and how to escape the perfection trap that's killing your progress.This isn't your typical "work hard and succeed" pep talk. It's a no-bullshit conversation about recognizing when fear of success is more paralyzing than fear of failure, why your team doesn't need to be physically near you to change your life, and how humor can literally heal your body while building your confidence.Follow Mss Francois: LinkedIn: https://www.linkedin.com/in/mss-francois-31350a1b3/ Facebook: https://www.facebook.com/MssFrancois/ Instagram: https://www.instagram.com/mss_francois/ TikTok: https://www.tiktok.com/@mss_francois Twitter: https://x.com/Mss_Francois?s=09 YouTube: https://www.youtube.com/c/TheMssFrancoisShow1As always we ask you to comment, DM, whatever it takes to have a conversation to help you take the next step in your journey, reach out on any platform!Twitter, FaceBook, Instagram, Tiktok, LinkedinDISCLOSURE: Awards and rankings by third parties are not indicative of future performance or client investment success. Past performance does not guarantee future results. All investment strategies carry profit/loss potential and cannot eliminate investment risks. Information discussed may not reflect current positions/recommendations. While believed accurate, Black Mammoth does not guarantee information accuracy. This broadcast is not a solicitation for securities transactions or personalized investment advice. Tax/estate planning information is general - consult professionals for specific situations. Full disclosures at www.blackmammoth.com.

In this episode of the Main Street Business Podcast, Mark J. Kohler and Mat Sorensen explain why every adult—single or married, wealthy or not—needs a will and a revocable living trust. Learn the practical steps for setting up your estate plan, naming a trustee, and ensuring your assets stay protected and your wishes are followed.Here are some of the highlights:Mark emphasizes the importance of having a will, noting that 50% of Americans do not have one.Mat explains that a trust allows for more control over who gets what, when, and under what conditions.Mark and Mat discuss the flexibility of a trust, including the ability to amend it as life circumstances change.Example of Robin Williams' will being made public, highlighting the privacy benefits of a trust.A living trust is effective immediately and can be funded with assets during one's lifetime.The concept of a "trifecta" or "pitcher" that brings together all the elements of an estate plan.Mark clarifies that a trust does not provide asset protection and should not be used for that purpose. Grab my FREE Ultimate Tax Strategy Guide HERE! Are you ready to get certified in EVERY strategy I teach? Start your journey with a FREE 15-minute demo to explore the Main Street Tax Pro Certification. You don't want to miss this! Secure your tickets for the most significant tax & legal event of the year: Tax and Legal 360 Looking to connect with a rock star law firm? KKOS is only a click away! Check out our YOUTUBE Channel Here: https://www.youtube.com/markjkohler Craving more content? Check out my Instagram!

Tom takes a break from vacationing to join Don in a deep dive on target date funds—the good, the mediocre, and the fee-loaded ugly. They break down performance data, highlight major fund differences, and remind listeners why understanding your own risk tolerance still matters. Listener questions spark advice on Roth IRAs for young investors and strategies for holding large tax payments. All with classic banter, bad jokes, and a quick jab at the Raiders. 0:04 Tom's back (briefly), and the banter's already off the rails1:42 Target date funds: the set-it-and-forget-it investing strategy3:06 $4 trillion invested—do they actually work?4:29 Performance since 2010: solid but not spectacular4:52 Fees dropping, but some funds still gouge6:06 Comparing returns: Vanguard, Hancock, American Funds, Voya7:39 Hidden loads and fees—legal, but not ethical7:59 Target date trouble: they don't know you9:03 Asset allocation assumptions can misfit your real risk9:44 Most funds overweight large U.S. companies11:14 What Vanguard 2025 actually holds (spoiler: little value)12:43 Better than nothing—but not better than customized13:38 Final take: decent for novices, but beware high fees and mismatched risk16:15 Listener Q1: Roth IRAs in only VFIAX—good idea for young investors?17:36 Why global small-cap value ETFs are a better long-term choice19:04 Comparing AVGE, DFAW, and VT—size and cost matter19:36 Listener Q2: Where to hold tax money without exceeding FDIC limits21:30 FDIC realities and alternative safe options like government money markets22:23 Tax math: fed + Illinois = close to 50% if income, less if capital gains23:52 Hidden state tax traps and EV drivers dodging gas taxes24:13 Pre-DOGE Teslas and pre-Elon excuses Learn more about your ad choices. Visit megaphone.fm/adchoices

Jonathan Clements is a former Wall Street Journal personal finance columnist who is battling a rare form of terminal cancer, Jason Zweig is a current Wall Street Journal personal finance columnist, and Christine Benz is the director of personal finance and retirement planning for Morningstar, as well as the president of the John C. Bogle Center for Financial Literacy.    In this podcast, we discuss the Jonathan Clements Getting Going on Savings Initiative, a non-profit research project set up on Jonathan's behalf, and his new book, The Best of Jonathan Clements: Timeless Advice for a Financial Life Well Lived. Tax-deductible donations for the initiative can be made at BogleCenter.net, and profits from the sale of his book also go to the initiative.    Rick Ferri, CFA, a long-time Boglehead and investment adviser, hosts the Bogleheads on Investing podcast. The Bogleheads are a group of like-minded individual investors who follow the general investment and business beliefs of John C. Bogle, founder and former CEO of the Vanguard Group. It is a conflict-free community where individual investors reach out and provide education, assistance, and relevant information to other investors of all experience levels at no cost. The organization supports a free forum at Bogleheads.org, and the wiki site is Bogleheads® wiki.    Since 2000, the Bogleheads have held national conferences in major cities across the country. The 2025 conference will take place in San Antonio, Texas, from October 17 to 19. In addition, local Chapters and foreign Chapters meet regularly, and new Chapters form periodically. All Bogleheads activities are coordinated by volunteers who contribute their time and talent.   This podcast is supported by the John C. Bogle Center for Financial Literacy, a non-profit organization approved by the IRS as a 501(c)(3) public charity on February 6, 2012. Your tax-deductible donation to the Bogle Center is appreciated.  

Christian financial planner Nick Garofalo shares how faith-driven entrepreneurs can break free from financial chaos and align their money with what matters most.If you're a small business owner seeking financial freedom, this episode gives you the clarity you've been praying for. Nick is the founder of Open-Handed Wealth and a trusted voice in faith-based financial planning. With real-world experience in both family-run and corporate businesses, Nick knows firsthand the pressure entrepreneurs face managing money, meeting tax deadlines, and sustaining their passion.Whether you're struggling with cash flow management, confused about tax planning for entrepreneurs, or just want to stop feeling overwhelmed, Nick's insights will help you simplify your finances. Learn how the Profit First system can revolutionize how you pay yourself, cut unnecessary expenses, and build a resilient business.By the end, you'll have actionable takeaways to build wealth, reduce stress, and make decisions aligned with your faith — while leaving a meaningful legacy.00:00 – Introduction to Nick Garofalo & Open-Handed Wealth01:03 – What a Christian financial planner actually does02:10 – Tax planning for entrepreneurs: How to stop procrastinating03:40 – Common mistakes business owners make with taxes05:00 – Software tools for expense and cash flow management06:22 – Using the Profit First system to budget your business08:00 – How to “give yourself a raise” through smart financial choices09:20 – Nick's unique experience and what makes him different10:40 – Faith, money, and the joy of financial clarity11:45 – Where to find Nick & free financial planning resourcesTo check out the YouTube (video podcast), visit: https://www.youtube.com/@drchrisloomdphdDisclaimer: Not advice. Educational purposes only. Not an endorsement for or against. Results not vetted. Views of the guests do not represent those of the host or show.  Click here to join PodMatch (the "AirBNB" of Podcasting): https://www.joinpodmatch.com/drchrisloomdphdWe couldn't do it without the support of our listeners. To help support the show:CashApp- https://cash.app/$drchrisloomdphdVenmo- https://account.venmo.com/u/Chris-Loo-4Spotify- https://podcasters.spotify.com/pod/show/christopher-loo/supportBuy Me a Coffee- https://www.buymeacoffee.com/chrisJxClick here to schedule a 1-on-1 private coaching call: https://www.drchrisloomdphd.com/book-onlineClick here to check out our bookstore, e-courses, and workshops: https://www.drchrisloomdphd.com/shopClick here to purchase my books on Amazon: https://amzn.to/2PaQn4pFor audiobooks, visit: https://www.audible.com/author/Christopher-H-Loo-MD-PhD/B07WFKBG1FFollow our YouTube channel: https://www.youtube.com/chL1357Follow us on Twitter: https://www.twitter.com/drchrisloomdphdFollow us on Instagram: https://www.instagram.com/thereal_drchrislooFollow us on Threads: https://www.threads.net/@thereal_drchrislooFollow us on TikTok: https://www.tiktok.com/@drchrisloomddphdFollow our Blog: https://www.drchrisloomdphd.com/blogFollow the podcast on Spotify: https://open.spotify.com/show/3NkM6US7cjsiAYTBjWGdx6?si=1da9d0a17be14d18Subscribe to our Substack newsletter: https://substack.com/@drchrisloomdphd1Subscribe to our Medium newsletter: https://medium.com/@drchrisloomdphdSubscribe to our LinkedIn newsletter: https://www.linkedin.com/build-relation/newsletter-follow?entityUrn=6992935013231071233Subscribe to our email list: https://financial-freedom-podcast-with-dr-loo.kit.com/Thank you to all of our sponsors and advertisers that help support the show!Financial Freedom for Physicians, Copyright 2025

Threats against the EU and Apple, the tax bill passes the house and heads to the Senate and it is time to do some estate planning. But be careful about the TOD on your house.

Whether to buy a house or go to college are major financial decisions, but so is deciding when to take Social Security.It's true—tens of thousands of dollars, if not more, are on the line when deciding when to start Social Security benefits. Eddie Holland joins us today to help make the decision easier.Eddie Holland is a Senior Private Wealth Advisor and partner of Blue Trust in Greenville, South Carolina. He's also a CPA, a Certified Financial Planner (CFP®), and a Certified Kingdom Advisor (CKA®).A Common Recommendation—But Not a One-Size-Fits-AllWhen it comes to retirement, one of the most common questions people ask is: When should I start taking Social Security benefits? It's a vital decision that affects not only your income but also your long-term financial strategy and even your legacy.It's generally recommended to wait until at least full retirement age (66 or 67), but that doesn't mean it's the best choice for everyone. While delaying Social Security allows your benefits to grow up to 8% annually after full retirement age, thanks to what's called a delayed retirement credit, we must remember that each situation is unique.Six Key Factors to ConsiderHere are several factors that should guide your decision:1. Reduction vs. Growth of BenefitsTaking Social Security early reduces benefits. Delaying past full retirement age increases benefits. That tradeoff is foundational to your strategy.2. Cash Flow NeedsIf you retire before full retirement age and need income, you might begin drawing Social Security early to meet immediate needs. Some people may need to pay off debt or cover living expenses.3. Charitable Giving GoalsInterestingly, some retirees choose to take Social Security early in order to increase their generosity. Some people start taking benefits specifically to give more, either during retirement or as part of a legacy plan. 4. Health and LongevityYour health and family history play a significant role. If you don't expect to live well into your 80s or 90s, you might opt to draw earlier. But if you're healthy and expect a longer life, delaying could offer more value over time.5. Legacy and InheritanceYou can't leave your Social Security benefits to heirs, but you can leave your investment portfolio. This means some people opt to draw Social Security sooner in order to preserve their portfolio for giving or inheritance purposes.6. Tax PlanningSocial Security benefits can be taxable depending on your income. Some people delay benefits until a year they anticipate being in a lower tax bracket, strategically minimizing the tax impact.A Bonus Strategy: The “Mulligan”In some cases, there is a lesser-known but potentially powerful option: the withdrawal application.If you start taking Social Security before full retirement age and change your mind within the first 12 months, you can actually ‘undo' it.” You'll need to repay the benefits you received, but the Social Security Administration treats it as if you never started. You then have the option to restart at a later date, potentially at a higher benefit.This strategy can be especially useful during periods of market volatility when withdrawing from your investment portfolio might not be ideal.The Bottom LineThere's no universal right age at which to begin drawing Social Security. It really depends on your personal situation—your income needs, health, tax strategy, and goals for generosity and legacy.Wise financial planning starts with understanding your options and aligning those choices with your values and calling.On Today's Program, Rob Answers Listener Questions:How much is enough? My wife and I have 10 properties, including the one we live in. Because of COVID and a flood, I've been rehabbing them for the last few years. My wife is 71 and still working, and I'm wondering if we should continue fixing them up to maximize profit, or we should just hold them as they are, even if we get less money.I'm near retirement with $2 million saved and a good pension. Should I spend $3,300-$7,600 on a $20,000 term life policy, or is it unnecessary given my financial situation?I have assets but don't work. Can I gift my RMD to my church and not have it counted on my income tax for 2026?I'm taking early retirement from the government, and I'm wondering about what to do with my thrift savings.Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Social Security Administration (SSA.gov)Blue TrustWisdom Over Wealth: 12 Lessons from Ecclesiastes on Money (Pre-Order)Look At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

Season 18, Episode 15: As England took care of Zimbabwe at Trent Bridge, India's new-look Test squad has arrived, with glamour option Shubman Gill leading the side, but we're much more excited about the comeback trail for Karun Nair and a first chance for our emotional investment, Sai Sudarshan. In other news, Big Ange is on the way out (not that one), Ireland are making runs, Hayley Matthews is screaming into the void, and The Dicks are together again for the WTC final. Support the show with a Nerd Pledge at ⁠⁠⁠⁠⁠⁠⁠patreon.com/thefinalword⁠⁠⁠⁠⁠⁠⁠ We have 47 runners in the Edinburgh Marathon Festival.⁠⁠⁠ Donate to get us to our £30k fundraising target⁠⁠⁠ for The Lord's Taverners. Tickets for our Wormsley match, August 18: ⁠⁠⁠⁠⁠⁠⁠uk.emma-live.com/WormsleyFinal2025⁠⁠⁠⁠⁠⁠⁠ Subscribe to Wisden and never pay full price for the Almanack again: ⁠⁠⁠⁠⁠www.wisdenalmanack.com/subscribe⁠⁠ ⁠⁠⁠ Get your big NordVPN discount: ⁠⁠⁠⁠⁠⁠⁠nordvpn.com/tfw⁠⁠⁠⁠⁠⁠⁠ Sort out expat finances with Odin Mortgage & Tax: ⁠⁠⁠⁠⁠⁠⁠odinmortgage.com/partner/the-final-word⁠⁠⁠⁠⁠⁠⁠ Maurice Blackburn Lawyers - fighting for the rights of workers since 1919: ⁠⁠⁠⁠⁠⁠⁠mauriceblackburn.com.au⁠⁠⁠⁠⁠⁠⁠ Get 10% off Glenn Maxwell's sunnies: ⁠⁠⁠⁠⁠⁠⁠t20vision.com/FINALWORD⁠⁠⁠⁠⁠⁠⁠ Save more, earn more—up to 4.22% AER (variable). Interest rates are tiered, with the top rate for balances over £1M. Each tiered rate applies to the portion within that range. New members get these rates free for 6 months; after that, your Tide plan's rates apply. For full offer T&Cs visit ⁠⁠⁠⁠⁠⁠⁠https://tide.co/savings⁠⁠⁠⁠⁠⁠⁠ Claim £100 cash back (on a £5k deposit) at: ⁠⁠⁠⁠⁠⁠⁠https://tide.co/offers/tfw⁠⁠⁠⁠⁠⁠⁠ Find previous episodes at ⁠⁠⁠⁠⁠⁠⁠finalwordcricket.com⁠⁠⁠⁠⁠⁠⁠ Title track by ⁠⁠⁠⁠⁠⁠⁠Urthboy Learn more about your ad choices. Visit podcastchoices.com/adchoices

Visit our website: https://www.thewealthwarehousepodcast.com/Becoming Your Own Banker by Nelson Nash: https://infinitebanking.org/product/becoming-your-own-banker/ref/46/In this week's episode, Dave and Paul are sharing with you a radical shift in mindset:Premium isn't “the problem” – it's the solution to your problems.From gaining more control and liquidity in your financial life to balancing risk, volatility and tax inefficiencies, you'll have more than just a couple reasons to make sure you're paying as much premium as possible. Episode Highlights:0:00 - Introduction0:52 - Episode beginning1:49 - Answers a viewer question6:14 - Premium is the answer to your problems8:05 - The problem is “the problem”9:34 - How does paying more premium help?11:49 - “It's about control”15:46 - Tax inefficiencies20:04 - Market risk and volatility24:10 - Lack of liquidity29:10 - There is no career path to generational wealth31:13 - Episode wrap-upABOUT YOUR HOSTS:David Befort and Paul Fugere are the hosts of the Wealth Warehouse Podcast. David is the Founder/CEO of Max Performance Financial. He founded the company with the mission of educating people on the truths about money. David's mission is to show you how you can control your own money, earn guarantees, grow it tax-free, and maintain penalty-free access to it to leverage for opportunities that will provide passive income for the rest of your life. Paul, on the other hand, is an Active Duty U.S. Army officer who graduated from Norwich University in 2002 with a B.A. in History and again in 2012 with a MA in Diplomacy and International Terrorism. Paul met his wife Tammy at Norwich. As a family, they enjoy boating, traveling, sports, hunting, automobiles, and are self-proclaimed food people.Visit our website: https://www.thewealthwarehousepodcast.com/ Catch up with David and Paul, visit the links below! Website: https://infinitebanking.org/agents/Fugere494 https://infinitebanking.org/agents/Befort399 LinkedIn: https://www.linkedin.com/in/david-a-befort-jr-09663972/ https://www.linkedin.com/in/paul-fugere-762021b0/ Email: davidandpaul@theibcguys.com

After you listen:Learn about the wealth and investment management solutions Schwab offers to help you pursue your goals confidently.Listen to Schwab's newest podcast, Invested in the Game, featuring true stories of people who are driving the game of golf forward.In this episode of Financial Decoder, host Mark Riepe is joined by Stephanie Shadel, a senior wealth advisor at Schwab, to examine the scope of an investor's communication with their financial advisor. She emphasizes the importance of understanding clients' financial situations, building trust, and maintaining open communication. Throughout their discussion, they cover both the data-driven and emotional aspects of portfolio managment, offering insights into strengthening the dynamic with a professional advisor.Financial Decoder is an original podcast from Charles Schwab. For more on the series, visit schwab.com/FinancialDecoder. If you enjoy the show, please leave us a rating or review on Apple Podcasts.Reach out to Mark on X @MarkRiepe with your thoughts on the show.Follow Financial Decoder on Spotify to comment on episodes.Important DisclosuresThe information provided here is for general informational purposes only and should not be considered an individualized recommendation or personalized investment advice. The investment strategies mentioned here may not be suitable for everyone. Each investor needs to review an investment strategy for his or her own particular situation before making any investment decision.All expressions of opinion are subject to change without notice in reaction to shifting market conditions. Data contained herein from third-party providers is obtained from what are considered reliable sources. However, its accuracy, completeness, or reliability cannot be guaranteed. Examples provided are for illustrative purposes only and not intended to be reflective of results you can expect to achieve. Investing involves risk, including loss of principal.​Diversification and asset allocation strategies do not ensure a profit and cannot protect against losses in a declining market.Past performance is no guarantee of future results, and the opinions presented cannot be viewed as an indicator of future performance.Schwab does not recommend the use of technical analysis as a sole means of investment research.All names and market data shown above are for illustrative purposes only and are not a recommendation, offer to sell, or a solicitation of an offer to buy any security. ​Neither the tax-loss harvesting strategy, nor any discussion herein, is intended as tax advice and Charles Schwab & Co. does not represent that any particular tax consequences will be obtained. Tax-loss harvesting involves certain risks including unintended tax implications. Investors should consult with their tax advisors and refer to the Internal Revenue Service (IRS) website at www.irs.gov about the consequences of tax-loss harvesting.Schwab Wealth Advisory™ ("SWA") is a non‐discretionary investment advisory program sponsored by Charles Schwab & Co., Inc. ("Schwab"). Schwab Wealth Advisory, Inc. ("SWAI") is a Registered Investment Adviser and provides portfolio management for the SWA program. Schwab and SWAI are affiliates and are subsidiaries of The Charles Schwab Corporation.Portfolio Management provided by Schwab Wealth Advisory, Inc., a Registered Investment Adviser and affiliate of Charles Schwab & Co., Inc. (Schwab). Please read the Schwab Wealth Advisory and the Schwab Wealth Advisory, Inc. Disclosure Brochures for information and disclosures about this program. The Wealth Advisor, Associate Wealth Advisor, and other representatives making investment recommendations in your Schwab Wealth Advisory accounts are employees of Schwab Wealth Advisory, Inc.The information and content provided herein is general in nature and is for informational purposes only. It is not intended, and should not be construed, as a specific recommendation, individualized tax, legal, or investment advice. Tax laws are subject to change, either prospectively or retroactively. Where specific advice is necessary or appropriate, individuals should contact their own professional tax and investment advisors or other professionals (CPA, Financial Planner, Investment Manager) to help answer questions about specific situations or needs prior to taking any action based upon this information.The Schwab Center for Financial Research is a division of Charles Schwab & Co., Inc.(0525-03FK)

It's Story Time, our walk through cricket history via your listener quiz challenges. This week, one of the peaks of the peak, that isn't talked about as often as some others. Also, another run-looter of prodigious proportions, one of the best combinations ever, and have we found the most dynamic start to a career? Your Nerd Pledge numbers this week: 5.01 - Julian Russell 2.04 - Matt 4.40 - Jane Seeber 6.74 - Rob Findlay Support the show with a Nerd Pledge at ⁠⁠⁠⁠patreon.com/thefinalword⁠⁠⁠⁠ We have 47 runners in the Edinburgh Marathon Festival.⁠⁠ Donate to get us to our £30k fundraising target⁠⁠ Tickets for our Wormsley match, August 18: ⁠⁠⁠⁠uk.emma-live.com/WormsleyFinal2025⁠⁠⁠⁠ Get your big NordVPN discount: ⁠⁠⁠⁠nordvpn.com/tfw⁠⁠⁠⁠ Sort out expat finances with Odin Mortgage & Tax: ⁠⁠⁠⁠odinmortgage.com/partner/the-final-word⁠⁠⁠⁠ Maurice Blackburn Lawyers - fighting for the rights of workers since 1919: ⁠⁠⁠⁠mauriceblackburn.com.au⁠⁠⁠⁠ Get 10% off Glenn Maxwell's sunnies: ⁠⁠⁠⁠t20vision.com/FINALWORD⁠⁠⁠⁠ Save more, earn more—up to 4.22% AER (variable). Interest rates are tiered, with the top rate for balances over £1M. Each tiered rate applies to the portion within that range. New members get these rates free for 6 months; after that, your Tide plan's rates apply. For full offer T&Cs visit ⁠⁠⁠⁠⁠⁠⁠https://tide.co/savings⁠⁠⁠⁠⁠⁠⁠ Claim £100 cash back (on a £5k deposit) at: ⁠⁠⁠⁠⁠⁠⁠https://tide.co/offers/tfw⁠⁠⁠⁠⁠⁠ Find previous episodes at ⁠⁠⁠⁠finalwordcricket.com⁠⁠⁠⁠ Title track by ⁠⁠⁠⁠Urthboy Learn more about your ad choices. Visit podcastchoices.com/adchoices

Send us a textToday's drop is brought to you by… anger, caffeine, and one last damn slot for the Operator Training Summit. Jared's back with a full-frontal assault on the newest batch of DoD clownery: airframes that are being “upgraded” before they even exist, moving programs that still don't move anything, and bonus cuts that would make a finance troop cry in DFAS-approved tears.We've got everything from Russia testing nuclear air-to-air missiles to the Space Force getting 3% of the budget while being told to dominate orbit. The E-7 still isn't here, China is casually infiltrating American data systems, and the Collaborative Combat Aircraft program might bankrupt us before it ever flies. Meanwhile, the military's entire PCS and EFMP system is straight-up FUBAR'd, and CardoMax is the only thing holding the line.

England v Zimbabwe, Trent Bridge Test, Day 3: Ben Jones joins Daniel Norcross. DONATE TO OUR EDINBURGH RUNNERS BELOW. Is Shoaib Bashir coming of age? Can Ben Duckett see over Blessing Muzarabani's pads? Why we shouldn't write off England's bowlers for Sean Williams getting on top of them. Will the accurate Sam Cook's 78mph top speed be an issue for more potent batting lineups? Will Josh Tongue be the key bowler of the summer? Could Zimbabwe have taken a bit more of a gamble on Day 1 to alter the course of the Test? Let's not make it another 23 years, Zimbabwe.  . Support the show with a Nerd Pledge at ⁠⁠⁠⁠⁠⁠⁠⁠⁠patreon.com/thefinalword⁠⁠⁠⁠⁠⁠⁠⁠⁠ Get 20% off your cask of ⁠MacIness⁠ scotch whisky! Email sales@macinneswhisky.com⁠ to get the ball rolling. Check it out at ⁠⁠macinneswhisky.com ⁠⁠ We have 47 runners in the Edinburgh Marathon Festival.⁠⁠⁠⁠⁠ Donate to get us to our £30k fundraising target⁠⁠⁠⁠⁠ for The Lord's Taverners. Tickets for our Wormsley match, August 18: ⁠⁠⁠⁠⁠⁠⁠⁠⁠uk.emma-live.com/WormsleyFinal2025⁠⁠⁠⁠⁠⁠⁠⁠⁠ Subscribe to Wisden and never pay full price for the Almanack again: ⁠⁠⁠⁠⁠⁠⁠www.wisdenalmanack.com/subscribe⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠ Get your big NordVPN discount: ⁠⁠⁠⁠⁠⁠⁠⁠⁠nordvpn.com/tfw⁠⁠⁠⁠⁠⁠⁠⁠⁠ Sort out expat finances with Odin Mortgage & Tax: ⁠⁠⁠⁠⁠⁠⁠⁠⁠odinmortgage.com/partner/the-final-word⁠⁠⁠⁠⁠⁠⁠⁠⁠ Maurice Blackburn Lawyers - fighting for the rights of workers since 1919: ⁠⁠⁠⁠⁠⁠⁠⁠⁠mauriceblackburn.com.au⁠⁠⁠⁠⁠⁠⁠⁠⁠ Get 10% off Glenn Maxwell's sunnies: ⁠⁠⁠⁠⁠⁠⁠⁠⁠t20vision.com/FINALWORD⁠⁠⁠⁠⁠⁠⁠⁠⁠ Save more, earn more—up to 4.22% AER (variable). Interest rates are tiered, with the top rate for balances over £1M. Each tiered rate applies to the portion within that range. New members get these rates free for 6 months; after that, your Tide plan's rates apply. For full offer T&Cs visit ⁠⁠⁠⁠⁠⁠⁠⁠⁠https://tide.co/savings⁠⁠⁠⁠⁠⁠⁠⁠⁠ Claim £100 cash back (on a £5k deposit) at: ⁠⁠⁠⁠⁠⁠⁠⁠⁠https://tide.co/offers/tfw⁠⁠⁠⁠⁠⁠⁠⁠⁠ Find previous episodes at ⁠⁠⁠⁠⁠⁠⁠⁠⁠finalwordcricket.com⁠⁠⁠⁠⁠⁠⁠⁠ Title track by ⁠⁠⁠⁠⁠⁠⁠⁠Urthboy Learn more about your ad choices. Visit podcastchoices.com/adchoices

Today we're talking about two Israeli Embassy staff members shot and killed in D.C.; the Supreme Court's split decision on religious charter schools; House Republicans passing President Trump's Tax bill; and other top news for Friday, May 23rd. Stay informed while remaining focused on Christ with The Pour Over Today. Please support our TPO sponsors! Upside: https://links.thepourover.org/Upside Cru: give.cru.org/pour LMNT: https://links.thepourover.org/LMNT_Podcast Student Life Application Study Bible: https://links.thepourover.org/SLASB_Pod Stress Less: https://links.thepourover.org/StressLess Platforms to Pillars: https://links.thepourover.org/PlatformstoPillars Subsplash: subsplash.com/tpo CSB: https://links.thepourover.org/CSB_podcast Field of Greens: FieldofGreens.com The Table Podcast: https://links.thepourover.org/TheTablePodcast

Steve Forbes explains why a new 3.5% levy on remittances in congressional Republicans' "Big Beautiful Bill" should be scrapped immediately—or we will see a sharp uptick in money laundering.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

England v Zimbabwe, Trent Bridge Test, Day 2:Cameron Ponsonby joins Daniel Norcross. DONATE TO OUR EDINBURGH RUNNERS BELOW. Zimbabwe put up the fight that many thought was beyond them, or did they? Depends on the time of day and who you ask. Has Brian Bennett played the innings of the summer? Has Mark Butcher delivered the whimsy of the summer? England's bowlers enforced the follow-on, but will it count for those who don't want it to? In a zero-sum situation, we may have seen Shoaib Bashir's turning point. And how does Martin McCague relate to this Test?  Support the show with a Nerd Pledge at ⁠⁠⁠⁠⁠⁠⁠⁠patreon.com/thefinalword⁠⁠⁠⁠⁠⁠⁠⁠ Get 20% off your cask of ⁠MacIness⁠ scotch whisky! Email sales@macinneswhisky.com⁠ to get the ball rolling. Check it out at ⁠macinneswhisky.com ⁠ We have 47 runners in the Edinburgh Marathon Festival.⁠⁠⁠⁠ Donate to get us to our £30k fundraising target⁠⁠⁠⁠ for The Lord's Taverners. Tickets for our Wormsley match, August 18: ⁠⁠⁠⁠⁠⁠⁠⁠uk.emma-live.com/WormsleyFinal2025⁠⁠⁠⁠⁠⁠⁠⁠ Subscribe to Wisden and never pay full price for the Almanack again: ⁠⁠⁠⁠⁠⁠www.wisdenalmanack.com/subscribe⁠⁠⁠ ⁠⁠⁠⁠⁠ Get your big NordVPN discount: ⁠⁠⁠⁠⁠⁠⁠⁠nordvpn.com/tfw⁠⁠⁠⁠⁠⁠⁠⁠ Sort out expat finances with Odin Mortgage & Tax: ⁠⁠⁠⁠⁠⁠⁠⁠odinmortgage.com/partner/the-final-word⁠⁠⁠⁠⁠⁠⁠⁠ Maurice Blackburn Lawyers - fighting for the rights of workers since 1919: ⁠⁠⁠⁠⁠⁠⁠⁠mauriceblackburn.com.au⁠⁠⁠⁠⁠⁠⁠⁠ Get 10% off Glenn Maxwell's sunnies: ⁠⁠⁠⁠⁠⁠⁠⁠t20vision.com/FINALWORD⁠⁠⁠⁠⁠⁠⁠⁠ Save more, earn more—up to 4.22% AER (variable). Interest rates are tiered, with the top rate for balances over £1M. Each tiered rate applies to the portion within that range. New members get these rates free for 6 months; after that, your Tide plan's rates apply. For full offer T&Cs visit ⁠⁠⁠⁠⁠⁠⁠⁠https://tide.co/savings⁠⁠⁠⁠⁠⁠⁠⁠ Claim £100 cash back (on a £5k deposit) at: ⁠⁠⁠⁠⁠⁠⁠⁠https://tide.co/offers/tfw⁠⁠⁠⁠⁠⁠⁠⁠ Find previous episodes at ⁠⁠⁠⁠⁠⁠⁠⁠finalwordcricket.com⁠⁠⁠⁠⁠⁠⁠ Learn more about your ad choices. Visit podcastchoices.com/adchoices

Kathy Jones and Liz Ann Sonders discuss recent market moves potentially related to Washington budget negotiations and an increasing focus on debt and deficits. Then, Liz Ann Sonders interviews longtime market technician Helene Meisler. They delve into market mechanics, sentiment indicators, and the historical context of market trends, providing insights into the evolving landscape of investing. They also discuss the intricacies of market sentiment, technical analysis, and the implications of bond market trends and the dollar's performance. The conversation culminates in predictions for future market volatility and potential corrections, emphasizing the need for investors to remain vigilant and adaptable.Finally, Kathy and Liz Ann discuss the data and economic indicators they will be watching in the coming week.You can keep up with Helene Meisler on X or on her Substack.On Investing is an original podcast from Charles Schwab. For more on the show, visit schwab.com/OnInvesting. If you enjoy the show, please leave a rating or review on Apple Podcasts.Important DisclosuresInvestors should consider carefully information contained in the prospectus, or if available, the summary prospectus, including investment objectives, risks, charges, and expenses. You can request a prospectus by calling 800-435-4000. Please read the prospectus carefully before investing.The information provided here is for general informational purposes only and should not be considered an individualized recommendation or personalized investment advice. The investment strategies mentioned here may not be suitable for everyone. Each investor needs to review an investment strategy for his or her own particular situation before making any investment decision.All expressions of opinion are subject to change without notice in reaction to shifting market conditions. Data contained herein from third-party providers is obtained from what are considered reliable sources. However, its accuracy, completeness, or reliability cannot be guaranteed. Examples provided are for illustrative purposes only and not intended to be reflective of results you can expect to achieve.Diversification strategies do not ensure a profit and do not protect against losses in declining markets.Investing involves risk, including loss of principal.Performance may be affected by risks associated with non-diversification, including investments in specific countries or sectors. Additional risks may also include, but are not limited to, investments in foreign securities, especially emerging markets, real estate investment trusts (REITs), fixed income, municipal securities including state specific municipal securities, small capitalization securities and commodities. Each individual investor should consider these risks carefully before investing in a particular security or strategy.Forecasts contained herein are for illustrative purposes only, may be based upon proprietary research and are developed through analysis of historical public data.The information and content provided herein is general in nature and is for informational purposes only. It is not intended, and should not be construed, as a specific recommendation, individualized tax, legal, or investment advice. Tax laws are subject to change, either prospectively or retroactively. Where specific advice is necessary or appropriate, individuals should contact their own professional tax and investment advisors or other professionals (CPA, Financial Planner, Investment Manager) to help answer questions about specific situations or needs prior to taking any action based upon this information.Schwab does not recommend the use of technical analysis as a sole means of investment research.The comments, views, and opinions expressed in the presentation are those of the speakers and do not necessarily represent the views of Charles Schwab.The policy analysis provided by the Charles Schwab & Co., Inc., does not constitute and should not be interpreted as an endorsement of any political party.Fixed income securities are subject to increased loss of principal during periods of rising interest rates. Fixed income investments are subject to various other risks including changes in credit quality, market valuations, liquidity, prepayments, early redemption, corporate events, tax ramifications, and other factors.(0525-Y538) 

Listen to Daily Global #News from Grecian Echoes and WNTN 1550 AM - Trump administration revoked Harvard's ability to enroll international students, and is forcing current students to transfer to other schools or lose their legal status - Tax bill is running into some resistance from his own party in the Senate - Trump recommends 50% tariff on European Union starting June 1 and 25% tariff on iPhones not made in USA

Tell us what you think of the show! This Week in Cleantech is a weekly podcast covering the most impactful stories in clean energy and climate in 15 minutes or less featuring Paul Gerke of Factor This and Tigercomm's Mike Casey.This week's episode features special guest Jack Ewing from The New York Times, who wrote about how Massachusetts start-up Factorial Energy, led by Siyu Huang, has successfully tested its solid-state battery in a Mercedes-Benz EQS sedanThis week's "Cleantecher of the Week" is Carlo Angeles, of the Biodiversity Credit Alliance who posted about how defaunation is breaking our forests. He shared that there is a 68% decrease in forest regeneration when key dispersers are gone, along with other information that we'll include in our episode writeup. Congratulations, Carlo!This Week in Cleantech — May 22, 2025 Tax bill passed by House Republicans would gut Biden-era clean energy tax credits –– AP NewsSwiss Clean-Energy Startup Produces Diesel From Solar Power –– The Wall Street JournalTrump orders the government to stop enforcing rules he doesn't like –– The Washington PostRenewable Energy Is Booming in Texas. Republicans Want to Change That. –– The New York TimesA Decade-Long Search for a Battery That Can End the Gasoline Era –– The New York TimesNominate the stories that caught your eye each week by emailing Paul.Gerke@clarionevents.com

In this episode of The Liquidity Event, AJ Ayers hosts two Chief Investment Officers, Peter Lazaroff CFA, CFP® from Plancorp and Rubin Miller CFA from Peltoma Capital Partners, for a chat on cash management strategies, investment philosophies, and calling BS on industry trends.   Key Timestamps: (0:00) Introductions and background (2:48) Career paths in investment management (12:43) Cash management strategies in today's high-interest environment (13:57) Risk-free rates and building portfolios around them (30:00) Tax loss harvesting: overhyped or valuable strategy? (31:13) Direct indexing and SMAs - worth it or not? (37:01) Dumbest purchases - from $13k couches to levered ETFs  

Steve Forbes explains how U.S. fecklessness could allow Vladimir Putin to pull off a victory in Ukraine—and warns that a successful act of aggression by Russia will only embolden China's expansionist aims.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Don shares a deeply personal tale from 2007 when, as an HOA treasurer, he dodged a financial landmine involving auction-rate securities—just before the 2008 crisis froze their liquidity. That real-life scare flows into a fierce takedown of today's institutional obsession with illiquid assets like private equity, especially in university endowments. Harvard's high-risk strategies, retirement plans promoting alternatives, and the seductive myths of market outperformance get picked apart. Don and Tom warn investors not to chase complexity or “exclusive” returns, especially when liquidity disappears. Plus: a pension tax trap, Opportunity Zone hype, and the nerdy joys of CD ladders. 0:04 Don's HOA horror story: auction-rate securities before the 2008 collapse 2:06 Liquidity vanishes when you need it most—Wall Street Journal echoes the warning 3:51 Harvard's endowment crash: elite returns turn embarrassing 4:34 Private equity's scary recipe: micro-cap risk + debt + 3–4% fees 5:44 Why these complex products often spark crises 6:42 “Works until it doesn't”: the fatal flaw of illiquid alternatives 8:10 Illiquidity explained with the real estate analogy 10:13 State pension investing: lessons from Washington's shift to index funds 11:32 Why elite endowment managers must pretend to be smarter than markets 12:10 Microsoft vs. Mac: the cost of complexity, again 13:15 Secret formulas, snake oil, and the myth of exclusive financial wisdom 14:36 Listener Q1: Can Alaska pension income go into a Roth? 16:25 Listener Q2: Qualified Opportunity Zones—worth it or tax dodge trap? 19:05 Tax deferral vs. sound investing: when kicking the can isn't smart 20:27 Listener Q3: Fidelity's CD ladder tool and emergency funds 21:40 How CD ladders smooth yields—and a shortcut with bond funds 23:27 Volatility = reward: why risk is the reason stocks outperform 24:10 Why indexed annuities kill returns—and the fake comfort they sell 25:30 Tech support rants, Gen Z lifelines, and the “is it plugged in?” curse Learn more about your ad choices. Visit megaphone.fm/adchoices

    Unpack the unique and demanding world of Special Forces medical operations with our guest, Sergeant First Class Mo Bogert, an Army 18 Delta Special Forces medic. This episode promises an enlightening journey through predictive medicine, the vital skill set for prolonged casualty care, and the transformative role of telemedicine in combat scenarios. Mo shares his personal story of resilience and adaptability, offering invaluable advice for new medics stepping into this challenging field, and paints a vivid picture of the complexities and decisions that define the life of a Special Forces medic.     Our conversation ventures into the heart of field medic training and the integration of telemedicine in austere environments, especially during prolonged field care situations. Discover how early and consistent vitals tracking can become a lifeline in identifying life-threatening conditions and making difficult resource allocation decisions. We explore the synergy of telemedicine and traditional methods, showcasing how this blend enables medics to perform better under pressure and prioritize patient care effectively in some of the toughest military environments.     Explore with us the dynamic nature of military medical training and operations. Mo shares insights from organizing a medical symposium at the National Training Center, detailing the need for medics to think beyond conventional protocols. From navigating "care under fire" scenarios to understanding the significance of collaboration among Special Operations medics, this episode underscores the importance of resilience, training, and strategic adaptability. As we wrap up, we extend our gratitude to listeners and invite them to support War Docs, a nonprofit dedicated to sharing gripping stories from the intersection of war and medicine.   Chapters: (00:03) Special Forces Medic Challenges and Training (10:39) Field Medic Training and Telemedicine Integration (16:03) Integrating Medical Training in Special Operations (28:23) Medic Training and Evacuation Scenarios (39:52) Combat Medic Training and Priorities (45:42) Resilience and Realism in Medic Training (54:32) Building Resilience and Adaptability in Medics (01:00:52) Military Medic Training and Career Journey   Chapter Summaries: (00:03) Special Forces Medic Challenges and Training An Army 18 Delta Special Forces medic, SFC Bogert shares insights on predictive medicine, prolonged casualty care, and the importance of realistic training.   (10:39) Field Medic Training and Telemedicine Integration Discusses challenges and strategies in prolonged field care, including early vitals tracking and the role of telemedicine.   (16:03) Integrating Medical Training in Special Operations Telemedicine supports Special Forces medics in challenging scenarios, aids in objective assessment, and highlights the need for better coordination and understanding of medical protocols.   (28:23) Medic Training and Evacuation Scenarios Nature's adaptability in military medical training and operations, emphasizing critical decision-making and unconventional methods for success.   (39:52) Combat Medic Training and Priorities Prioritizing fire superiority and self-care, TCCC training, clear roles, and advance planning are crucial for effective care under fire.   (45:42) Resilience and Realism in Medic Training Training military medics in conventional forces faces challenges and limitations, but efforts are made to simulate realistic combat scenarios.   (54:32) Building Resilience and Adaptability in Medics Resilience, flexibility, and foresight are crucial in medical and military contexts, along with adaptability and continuous planning.   (01:00:52) Military Medic Training and Career Journey Military medicine in Special Forces requires flexibility, adaptability, and personal growth, with a focus on embracing discomfort for professional development.     Take Home Messages: Resilience and Adaptability: The episode emphasizes the critical importance of resilience and adaptability for military medics, especially those operating in Special Forces. The ability to navigate unpredictable environments and adjust to changing conditions is crucial for both personal and professional growth in high-stakes scenarios. Predictive and Telemedicine: The integration of predictive medicine and telemedicine in combat situations is highlighted as a game-changer. These technologies enhance decision-making and patient care, allowing medics to anticipate future medical needs and provide support over prolonged periods, which can be lifesaving in austere environments. Comprehensive Training: The podcast delves into the depth and intensity of training required for Special Forces medics, underscoring the necessity of mastering both basic and advanced medical skills. This comprehensive training prepares medics to handle complex scenarios, from trauma management to prolonged field care, effectively transforming them into versatile medical managers. Collaboration and Innovation: The episode discusses the importance of fostering collaboration and innovative thinking among military medics. Symposiums and joint training exercises are vital for sharing knowledge, integrating different medical protocols, and enhancing overall medical support in demanding environments. Role of Non-Medics: The podcast highlights the essential role of non-medically trained personnel in combat care. Effective cross-training ensures that team members can perform basic medical interventions, thereby supporting medics in managing casualties and maintaining optimal patient care during critical situations.   Episode Keywords: Special Forces Medic, Army 18 Delta, Military Medicine, Telemedicine in Combat, Predictive Medicine, Combat Care, Prolonged Field Care, Battlefield Medicine, Military Training, Resilience and Innovation, Mo Bogert, National Training Center, Care Under Fire, Military Medics, Combat Medic Challenges, Military Podcast, War Docs Podcast, Military Medical Symposiums, Medic Resilience, Tactical Medicine, Evacuation Scenarios   Hashtags: #MilitaryMedicine #SpecialForces #Telemedicine #PredictiveMedicine #CombatCare #Resilience #InnovationInMedicine #ProlongedFieldCare #MilitaryTraining #WarDocsPodcast   Honoring the Legacy and Preserving the History of Military Medicine The WarDocs Mission is to honor the legacy, preserve the oral history, and showcase career opportunities, unique expeditionary experiences, and achievements of Military Medicine. We foster patriotism and pride in Who we are, What we do, and, most importantly, How we serve Our Patients, the DoD, 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

England Zimbabwe Daily, Lord's Test, Day 1: It's England Test season, with Zimbabwe back for the first time in 22 years - but they may wish they'd given it a miss, after England piled up the runs. So, do you love or hate Zak Crawley? Will Jacob Bethell come straight back in for Ollie Pope, even now? Do you believe in the new 'humble England'? And just what in the hell is caffeinated beer? Cameron Ponsonby joins Geoff to find out. Support the show with a Nerd Pledge at ⁠⁠⁠⁠⁠⁠⁠patreon.com/thefinalword⁠⁠⁠⁠⁠⁠⁠ Get 20% off your cask of ⁠MacIness⁠ scotch whisky! Email sales@macinneswhisky.com⁠ to get the ball rolling. Check it out at macinneswhisky.com We have 47 runners in the Edinburgh Marathon Festival.⁠⁠⁠ Donate to get us to our £30k fundraising target⁠⁠⁠ for The Lord's Taverners. Tickets for our Wormsley match, August 18: ⁠⁠⁠⁠⁠⁠⁠uk.emma-live.com/WormsleyFinal2025⁠⁠⁠⁠⁠⁠⁠ Subscribe to Wisden and never pay full price for the Almanack again: ⁠⁠⁠⁠⁠www.wisdenalmanack.com/subscribe⁠⁠ ⁠⁠⁠ Get your big NordVPN discount: ⁠⁠⁠⁠⁠⁠⁠nordvpn.com/tfw⁠⁠⁠⁠⁠⁠⁠ Sort out expat finances with Odin Mortgage & Tax: ⁠⁠⁠⁠⁠⁠⁠odinmortgage.com/partner/the-final-word⁠⁠⁠⁠⁠⁠⁠ Maurice Blackburn Lawyers - fighting for the rights of workers since 1919: ⁠⁠⁠⁠⁠⁠⁠mauriceblackburn.com.au⁠⁠⁠⁠⁠⁠⁠ Get 10% off Glenn Maxwell's sunnies: ⁠⁠⁠⁠⁠⁠⁠t20vision.com/FINALWORD⁠⁠⁠⁠⁠⁠⁠ Save more, earn more—up to 4.22% AER (variable). Interest rates are tiered, with the top rate for balances over £1M. Each tiered rate applies to the portion within that range. New members get these rates free for 6 months; after that, your Tide plan's rates apply. For full offer T&Cs visit ⁠⁠⁠⁠⁠⁠⁠https://tide.co/savings⁠⁠⁠⁠⁠⁠⁠ Claim £100 cash back (on a £5k deposit) at: ⁠⁠⁠⁠⁠⁠⁠https://tide.co/offers/tfw⁠⁠⁠⁠⁠⁠⁠ Find previous episodes at ⁠⁠⁠⁠⁠⁠⁠finalwordcricket.com⁠⁠⁠⁠⁠⁠⁠ Title track by ⁠⁠⁠⁠⁠⁠⁠Urthboy Learn more about your ad choices. Visit podcastchoices.com/adchoices

Steve Forbes urges President Trump and his team to go back to following the Laffer Curve, economist Art Laffer's economic formula which fueled the American comeback of the 1980s and 1990s, in order to unleash today's economy and make a brighter future.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

On this week's episode, I sit down with Thomas Castelli, real estate-focused CPA and partner at Hall CPA, to dive deep into real, practical tax strategies that can save investors thousands. If you've ever wondered whether your CPA is leaving money on the table, this episode will confirm your suspicion and give you the tools to fix it.   Thomas shares eye-opening stories of tax returns gone wrong, the truth behind cost segregation and depreciation, and how strategic planning done proactively can unlock massive wealth preservation.    Whether you're a seasoned investor or just closing your first deal, these are the systems, mistakes, and mindset shifts that separate the average from the elite.   Key Talking Points of the Episode   00:00 Introduction 02:41 From accounting student to real estate investor to real estate CPA 04:02 Why generalist CPAs often cost investors money 05:14 The myth of “you can't take more than $25K in losses”—and how pros work around it 06:10 How depreciation offsets income and reduces your effective tax rate 07:17 The $50K case study: a CPA missed cost segregation, costing a client dearly 08:18 Advisory vs. compliance: why strategy beats paperwork 10:02 Common mistakes: missed depreciation, unreported insurance, and more 12:02 Opting out of bonus depreciation—when it helps and when it hurts 14:47 What is cost segregation? 18:12 Which items can be carved out in a cost seg: carpets, appliances, sheds & more 19:15 Should you run a cost seg if you plan to sell in 2 years? 21:36 Get in touch with Thomas and his team 22:26 Why real estate is the best long-term tax strategy in America 24:30 Tax planning isn't a luxury—it's your responsibility   Quotables   “Most CPAs are generalists. If they don't live in real estate, they don't know what to look for.”   “Your tax return is a report card for what already happened. If you want to influence it, you have to act now.”   “This is like surgery. You don't do it yourself. You call the right specialist.”   Links   Tax Smart Real Estate Investors Podcast https://www.therealestatecpa.com/podcasts/   Hall CPA http://smartrealestatecoach.com/hallcpa   QLS Live https://qlslive.com   Real Estate On Your Terms and Deal Structure Overtime https://wickedsmartbooks.com/podcast   FREE Master's Class http://smartrealestatecoach.com/masterspodcast   FREE Strategy Session with Chris Pre http://smartrealestatecoach.com/actionpodcast   QLS 4.0 https://smartrealestatecoach.com/qlspodcast   Investor Resources https://smartrealestatecoach.com/resources   Apprentice Program https://smartrealestatecoach.com/apprenticepodcast   In the Trenches Bootcamp https://smartrealestatecoach.com/ittbpodcast   3 Paydays Virtual Event https://smartrealestatecoach.com/3paydayspodcast   REI Blackbook https://smartrealestatecoach.com/REIBB-DD   7 Figures Funding https://smartrealestatecoach.com/7figures-pod

The dreaded downgrade. Biden's health in the spotlight. The big and beautiful Tax bill making its way through the sausage factory PLUS we are now on Spotify and Amazon Music/Podcasts! Click HERE for Show Notes and Links DHUnplugged is now streaming live - with listener chat. Click on link on the right sidebar. Love the Show? Then how about a Donation? Follow John C. Dvorak on Twitter Follow Andrew Horowitz on Twitter  Warm-Up - The dreaded downgrade - Biden's health in the spotlight - Tax bill making its way through the sausage factory - China continues to stimulate Markets - Yields - moving up after worrying signs for US debt levels - Stocks posting big gains for May - Bitcoin surges past $100k - Our debt load is untenable - great chart to consider The Big Beautiful Bill - The bill eliminates taxes on tips and overtime. - The bill achieves "no tax on social security" by increasing deductions for seniors on the program. - The bill eliminates several green energy spending programs and ends the EV tax credit early. - The bill makes auto loan interest tax deductible. - The bill raises the debt ceiling by $4 trillion. - The bill raises the State and Local Tax Deduction to $30,000 for people making $400K or less. - The bill makes changes to the IRS free tax filing program, pending review by a task force. - The bill includes tax on college endowments and private foundations. - The bill includes reforms for how pharmacy benefit managers do business with the government. - The bill creates a new savings account for children, and $1000 of funding will be provided. - The bill raises the child tax credit to $2500 from $2000. USD DEBT Moody's - U.S. Treasury yields spiked on Monday after Moody's downgraded the U.S.' credit rating, citing fiscal concerns. - That brings it down one notch from Aaa — the highest score — to Aa1 - The first time since the  initial rating back in 1919 that Moody's made a change - Interesting timing - in the middle of a big spending package process - --- maybe they are sending a message -"This is a major symbolic move as Moody's were the last of the major rating agencies to have the US at the top rating," Deutsche Bank analysts said in a note. Market reaction - Futures fell in late trade after the close of the markets- when it was announced - Bonds - long end moved. --- 30 yr treasuries up over 5% ---- 30 yer mortgage rates over 7% - Markets - yawned and turned on the open after a 1.5% love lower on the futures Bessent reaction -Treasury Secretary Scott Bessent said in an interview on NBC News' "Meet the Press" that Moody's Ratings were a "lagging indicator" after the group downgraded the U.S.' credit rating by a notch from the highest level. -"I think that Moody's is a lagging indicator," Bessent said Sunday. "I think that's what everyone thinks of credit agencies." - He asserted that the downgrade was related to the Biden administration's spending policies - Is that right? China - Stimulating - China cut its key lending rates by 10 basis points on Tuesday, as Beijing ramps up efforts to boost its economy at a time when trade tensions threaten to derail growth. - The People's Bank of China trimmed the 1-year loan prime rate to 3.0% from 3.1%, and the 5-year LPR to 3.5% from 3.6%. US Steel still in play - Nippon Steel plans to invest $14 billion in U.S. Steel's operations including up to $4 billion in a new steel mill if the Trump administration green lights its bid for the iconic U.S. company, according to a document and three people familiar with the matter. - Under details of the plan included in the document, the company will plow $11 billion into U.S. Steel's infrastructure through 2028. That includes $1 billion in a green field site, which is expected to grow by $3 billion over the following years and has not been previously reported. - There is  a deadline of May 21st for a national security review - then T...

Mark J. Kohler, a CPA and attorney for small business owners, is a nationally recognized tax and legal expert, best-selling author, and Senior Partner at KKOS Lawyers, where he has spent over 30 years helping small business owners with tax strategy, asset protection, and estate planning. He also serves as CFO and Board Member of Directed IRA Trust Company, ranked #391 on the Inc. 5000, and recently launched the Main Street Certified Tax Advisor Program to train CPAs and Enrolled Agents in his proven strategies—impacting the lives of entrepreneurs nationwide. A five-time best-selling author, Mark is best known for The Tax and Legal Playbook and co-hosts two top podcasts, The Main Street Business Podcast and The Directed IRA Podcast, with longtime partner Mat Sorensen. Their engaging, easy-to-follow content helps business owners simplify complex financial and legal topics to reduce taxes and build lasting wealth. Through his Tax & Legal 360 events, YouTube channel, and social platforms, Mark has educated and empowered thousands of Main Street entrepreneurs. Mark has been featured on Fox News, Bloomberg, The Wall Street Journal, NBC, and Wharton Business Radio, and has taken the global stage at the World Economic Forum in Davos. Named Tax Advisor of the Year, he's a passionate advocate for small businesses and remains committed to helping Americans thrive through smarter tax and financial strategies.   During the show we discussed: Changes and implications associated with the new administration. Major depreciation changes that affect business owners. The importance of understanding the 199A deduction IRS changes taking place as a result of recent developments. Discussions surrounding the potential removal of Federal income taxes. Notable tax reductions for businesses that should be acknowledged.   Resources:  https://markjkohler.com/  

In this episode of the Power of Zero Show, host David McKnight addresses the claim that sees Paul Atkins owning 54 life insurance policies for an astounding 10% of his $327 million net worth. Someone may ask themselves why someone with such a massive net worth would own so many life insurance policies…and even why someone who has equity in Chinese tech giant Alibaba, holdings in cryptocurrency, and stakes in venture capital firms would also want their wealth growing in cash value life insurance policies. Looking at Atkins, who's President Trump's nominee to chair the Securities and Exchange Commission, can help understand how the ultra-wealthy view taxes and wealth accumulation. One possibility could be that Paul Atkins may have exhausted all of the usual sources of tax-deferred and tax-free growth available to him through government-sponsored retirement plans.  Something worth remembering: Cash Value Life Insurance policies don't have any income threshold, and they have no contribution limits at all. A second potential scenario that has led Atkins to have over 50 life insurance policies is that he might be looking for a way to diversify his holdings. David points out to the fact that owning shares in single stocks like Alibaba – like Atkins does – can be a fairly risky proposition. Cash value and life insurance policies like whole life or IULs, on the other hand, aren't exposed to market risk. There's yet another possibility: Atkins may not be the insured on all the policies. According to the ethics filings, the cash value of the policies in question ranges from as low as $1,000 to well over $1 million. For some experts, that may be a sign that Atkins is investing in life settlements. The final potential scenario is the one in which Atkins owns all the policies for the purpose of estate planning. David points out that there are many more efficient ways to purchase life insurance policies than buying 54 separate contracts David shares that he understands the concept of wanting to spread your risk out among multiple carriers, but feels that doing so through the purchase of 54 different policies is a bit extreme. David points out that diversifying away from the stock market with some of your portfolio is, typically, a good idea. Want safe and productive growth without the risks associated with traditional bond allocations? Look at cash value life insurance policies, says David. Remember: cash value life insurance can also be beneficial because many carriers allow you to receive your death benefit in advance of your death. While it's true that cash value life insurance isn't for everyone, Paul Atkins ethics disclosure shows that it can play a critical role in someone's long-term wealth-building strategy.     Mentioned in this episode: David's national bestselling book: The Guru Gap: How America's Financial Gurus Are Leading You Astray, and How to Get Back on Track DavidMcKnight.com DavidMcKnightBooks.com PowerOfZero.com (free video series) @mcknightandco on Twitter  @davidcmcknight on Instagram David McKnight on YouTube Get David's Tax-free Tool Kit at taxfreetoolkit.com Paul Atkins Alibaba

Tax policy has been a core part of the Republican party. A central feature within the GOP, particularly since Reagan, has been cutting taxes for corporations and some of the wealthiest Americans. President Trump, breaking away from traditional party orthodoxy, recently raised the idea of increasing taxes on some of the country's richest. Our guest this week points out that Republicans have made a “devil's bargain” with Trump. Arjun Singh is the co-host and senior producer of the Lever Time podcast. He is also the lead reporter and editor of the Tax Revolt miniseries. He joins WITHpod to discuss historical and contemporary fights over taxes, coalitions effects of MAGA, what the latest intraparty disagreements could portend and more. 


In episode 1866, Miles and guest co-host Pallavi Gunalan are joined by comedian, writer, journalist, activist, and host of The Bitchuation Room, Francesca Fiorentini, to discuss… Trump’s Tax Bill, Trump Demands Major Investigation Into Springsteen, Beyonce and Oprah For Their Work For Harris? Dystopia Corner - The ICE Reality Show Is a Real Thing? And more! Trump’s Tax Bill How Trump's 'bribe now, pain later' budget scheme hit a surprise roadblock Trump Demands Major Investigation Into Springsteen, Beyonce and Oprah For Their Work For Harris? Dystopia Corner - The ICE Reality Show Is a Real Thing? ICE Barbie Kristi Noem is backing insane reality TV show where immigrants compete for fast-tracked citizenship LISTEN: I Dreamed I Dream by Sonic YouthSee omnystudio.com/listener for privacy information.

Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Dennis Earl (Chairman & CEO) and Mike Pyles (Vice President) of The Haltere Group. They are a Black-owned real estate syndication and investment firm. Hosted by Rashad McDonald, the conversation centers around financial empowerment, real estate investment, and community uplift, especially within the Black community.

Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Dennis Earl (Chairman & CEO) and Mike Pyles (Vice President) of The Haltere Group. They are a Black-owned real estate syndication and investment firm. Hosted by Rashad McDonald, the conversation centers around financial empowerment, real estate investment, and community uplift, especially within the Black community.

Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Dennis Earl (Chairman & CEO) and Mike Pyles (Vice President) of The Haltere Group. They are a Black-owned real estate syndication and investment firm. Hosted by Rashad McDonald, the conversation centers around financial empowerment, real estate investment, and community uplift, especially within the Black community.

Join Michael Monks and Gary as they dive into the financial landscape of Los Angeles, uncovering how it affects taxpayers in the city. Plus, we've got an important update on the recent explosion in Palm Springs—what you need to know. And there's a volcano rumbling in the... Could it potentially have implications for us? Tune in to find out!

Social Security survivor benefits are really confusing, but in this episode I break down everything you need to know about survivor benefits to help you make more informed decisions.

Season 18, Episode 14: It's almost northern Test summer time, with Ben Stokes out of hibernation, Zimbabwe playing warm-ups, and the Australian and South African IPL players... heading back to India to finish the delayed season. Ah well. Meanwhile, Cam Green makes runs while Marnus doesn't, the South African squad is named, West Indies have a new captain, Middlesex is more into Virat Kohli than Kohli is into Middlesex, and Charlotte Edwards' first squad doesn't include Sophie Ecclestone, which might mean one of two very different things. Support the show with a Nerd Pledge at ⁠⁠⁠⁠⁠⁠patreon.com/thefinalword⁠⁠⁠⁠⁠⁠ We have 47 runners in the Edinburgh Marathon Festival.⁠⁠ Donate to get us to our £30k fundraising target⁠⁠ for The Lord's Taverners. Tickets for our Wormsley match, August 18: ⁠⁠⁠⁠⁠⁠uk.emma-live.com/WormsleyFinal2025⁠⁠⁠⁠⁠⁠ Subscribe to Wisden and never pay full price for the Almanack again: ⁠⁠⁠⁠www.wisdenalmanack.com/subscribe⁠ ⁠ Get your big NordVPN discount: ⁠⁠⁠⁠⁠⁠nordvpn.com/tfw⁠⁠⁠⁠⁠⁠ Sort out expat finances with Odin Mortgage & Tax: ⁠⁠⁠⁠⁠⁠odinmortgage.com/partner/the-final-word⁠⁠⁠⁠⁠⁠ Maurice Blackburn Lawyers - fighting for the rights of workers since 1919: ⁠⁠⁠⁠⁠⁠mauriceblackburn.com.au⁠⁠⁠⁠⁠⁠ Get 10% off Glenn Maxwell's sunnies: ⁠⁠⁠⁠⁠⁠t20vision.com/FINALWORD⁠⁠⁠⁠⁠⁠ Save more, earn more—up to 4.22% AER (variable). Interest rates are tiered, with the top rate for balances over £1M. Each tiered rate applies to the portion within that range. New members get these rates free for 6 months; after that, your Tide plan's rates apply. For full offer T&Cs visit ⁠⁠⁠⁠⁠⁠https://tide.co/savings⁠⁠⁠⁠⁠⁠ Claim £100 cash back (on a £5k deposit) at: ⁠⁠⁠⁠⁠⁠https://tide.co/offers/tfw⁠⁠⁠⁠⁠⁠ Find previous episodes at ⁠⁠⁠⁠⁠⁠finalwordcricket.com⁠⁠⁠⁠⁠⁠ Title track by ⁠⁠⁠⁠⁠⁠Urthboy Learn more about your ad choices. Visit podcastchoices.com/adchoices

Scott Kapusta is the Global Head of Tax at FactSet. In this episode of On Tax, Scott and Cravath partner and host Len Teti discuss how an early interest in economics led Scott to his current corporate tax practice, and how there are benefits to using the process of elimination when it comes to choosing a career path. They also reflect on lessons learned over the course of their long professional relationship, on both sides of the negotiating table, and share insights into what makes tax advisors excel in their roles. Hosted on Acast. See acast.com/privacy for more information.

Building a retirement income strategy involves more than selecting dividend-paying stocks. A focus on total return — which includes both growth and income — can offer a more comprehensive approach for long-term planning.• Relying solely on dividend-paying stocks may reduce portfolio diversification and growth potential• Total return (income + growth) can provide a broader view of long-term investment outcomes• Asset location strategies may improve tax efficiency depending on the type of account• Bond ladders with staggered maturities can help create more consistent income over time• Annuities can provide structured income, though they may have limitations such as fees or inflation sensitivity• The most effective strategy is one that aligns with your goals, risk tolerance, and understanding• Be cautious with complex products — understanding fees, liquidity restrictions, and structure is essentialAdvisory services are offered through Root Financial, an SEC-registered investment adviser. This content is intended for general informational purposes only and should not be construed as personalized investment, tax, or legal advice. Advisory relationships are established only through a signed agreement. Any examples discussed are hypothetical and for illustrative purposes. If client experiences are referenced, no compensation was provided and their experience may not be representative of others. Comments shared publicly are unsolicited and do not reflect the views or experience of all clients. They are not verified and should not be construed as testimonials or endorsements. Root Financial does not provide tax or legal advice. Tax planning topics are discussed in the context of comprehensive financial planning and should not be relied upon as a substitute for professional advice. All investments involve risk, including possible loss of principal. Past performance is not indicative of future results. Watching or listening to this content does not create an advisory relationship.Create Your Custom Early Retirement Strategy HereGet access to the same software I use for my clients and join the Early Retirement Academy hereAri Taublieb, CFP ®, MBA is the Chief Growth Officer of Root Financial Partners and a Fiduciary Financial Planner specializing in helping clients retire early with confidence. “Early Retirement – Financial Freedom” is a podcast produced by Root Financial Partners, an SEC-registered investment adviser. The content provided is for informational and educational purposes only. It should not be interpreted as investment, legal, or tax advice. I may reference planning situations based on real client experiences, but they've been simplified for clarity. Always consult your own financial advisor before making decisions. Listening to this podcast does not create or imply an advisory relationship with Root Financial. Investing involves risk, including the potential loss of principal. Past performance does not guarantee future results. Testimonials and endorsements do not reflect all client experiences and are not compensated. Learn more at our website or by reviewing our Form ADV at https://adviserinfo.sec.gov.

Stephen and Zac discuss the innovative intersection of Bitcoin and life insurance. They explore how Bitcoin can disrupt traditional life insurance markets, the recent funding successes of Meanwhile, and the unique benefits of Bitcoin-denominated policies. The conversation dives into the mechanics of these policies, the yield generation strategies employed by Meanwhile, and the tax advantages that make them appealing to customers. The episode concludes with insights into the customer experience and the future of Bitcoin in the insurance industry. Takeaways

A look at where things are on the GOP's tax bill, and who stands to benefit and lose. Tax-policy reporter Richard Rubin with the Wall Street Journal has the details.After oral arguments, the Supreme Court appeared divided over how much power lower courts should have to issue nationwide injunctions. The Washington Post unpacks the issue.The Trump administration is rolling back some protections against forever chemicals. Mariah Blake tells Apple News In Conversation why there's still optimism on the state level, and suggests some ways to protect yourself.Plus, a Milwaukee judge pleaded not guilty to attempting to block immigration arrest, a landmark moment in gene editing, and what to know about the WNBA’s new team. Today’s episode was hosted by Shumita Basu.