Podcasts about Tax

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 Michael Uadiale.

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 Michael Uadiale.

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 Michael Uadiale.

The establishment is trying to rewrite history by using Erika Kirk as a sympathetic puppet for a massive political and ideological machine, all while she lies about her background and pretends she has no interest in politics. Destiny Rezendes joins Stew to expose the bizarre staging, the deep-state ties, and the fabricated facades surrounding the post Charlie Kirk era that everyone is supposed to just blindly swallow. Dani Love from WFF News joins Stew to break down the mind blowing, hidden anomalies in the official narrative surrounding the tragic events at UVU, exposing the chilling footage of Charlie Kirk's final moments in that SUV. John Jubilee joins Stew to break down incredible real life success stories and interviews about achieving ultimate vitality without grueling gym routines. Discover how cellular hydration and the Energize Health protocol can completely transform your body, eliminate chronic health issues, and give you your life back in just weeks. Independent investigation means refusing to let the establishment rewrite reality or hide what really happens behind closed doors. Watch the explosive, recovered body-cam footage of our most dangerous fugitive hunts as we cut through the lies and deliver the uncompromising truth you won't see anywhere else Join us on KICK https://kick.com/stewpeters  

Colin Steinberg discusses tax planning for high-earning W-2 employees. He focuses on executive compensation and non-qualified plans. He explains how deferred compensation plans can help executives save additional income on a pre-tax basis beyond traditional 401(k) limits, the eligibility requirements, investment options, and the risks associated with having deferred assets tied to the financial health of an employer. We also talk after-tax strategies such as life insurance, how companies can use tax-efficient compensation to retain key employees, and why understanding tax planning opportunities before accepting a promotion, changing jobs, or receiving a large bonus can play an important role in long-term wealth building. We discuss...  Colin Steinberg explains his transition from financial advising to tax planning and executive compensation strategies. Tax-saving opportunities available to high-earning W-2 employees beyond traditional retirement accounts. Deferred compensation plans allow eligible executives to save additional income on a pre-tax basis beyond 401(k) limits. Non-qualified plans are generally designed for highly compensated employees, including executives and high-earning sales professionals. Deferred compensation plans can offer investment options similar to a 401(k), with some additional opportunities in private markets and alternative investments. A key trade-off of deferred compensation is that the money can be tied up for many years and remains subject to the financial health and creditors of the employer. Companies can use tax-efficient compensation strategies to reward and retain key employees without simply increasing their taxable salaries or bonuses. Life insurance can provide an additional after-tax vehicle for tax-deferred growth and potentially tax-free withdrawals in retirement. W-2 employees should generally maximize available qualified retirement plans and employer matches before exploring additional tax-planning strategies. Companies can potentially combine multiple compensation and tax-planning strategies to address issues such as partner buyouts, employee retention, and executive compensation. Proactive tax planning and working with knowledgeable advisors can help high-income individuals make more informed decisions about building long-term wealth. Today's Panelists: Kirk Chisholm | Innovative Wealth Barbara Friedberg | Barbara Friedberg Personal Finance Phil Weiss | Apprise Wealth Management Follow on Facebook: https://www.facebook.com/moneytreepodcast Follow LinkedIn: https://www.linkedin.com/showcase/money-tree-investing-podcast Follow on Twitter/X: https://x.com/MTIPodcast For more information, visit the full show notes at https://moneytreepodcast.com/tax-planning-for-high-earners-colin-steinburg-856 

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 Michael Uadiale.

Octavia Martinez joins Stew to dissect the strategic defamation lawsuit filed against Candice Owens, exposing the alarming connections between newly formed law firms and political power players. And down the dangerous legal precedents being set around private figures, implied defamation, and the ongoing war against independent journalism. JP Sears joins Stew to break down the shocking new satellite imagery out of Gaza and examine the deep layers of global deception shaping our world. The entire deep state control grid is falling apart at the seams as everyday people finally see right through their desperate, sloppy theater. The Artist Known As Jess joins Stew to break down how the ruling class's manufactured narratives and weaponized systems are completely failing before our eyes. Uncover the loosely regulated pet food industry and learn how natural functional foods are offering a second chance at life for aging and sick animals. Find out how the powerful Coriolis Versa-Color mushroom extract is helping pets overcome catastrophic conditions and severe immune challenges. President Trump and tech leaders have officially changed the name of AI to super intelligence while launching America.gov as a centralized portal for citizens. JD Sharp joins Stew to expose how this infrastructure, paired with mass tracking and surveillance networks, creates a dangerous digital kill switch.   Join us on KICK https://kick.com/stewpeters  

Crypto News: Open USD takes on Tether, Circle with a different stablecoin model that's building money. Lloyds Banking Group and Visa completed a 7-day pilot settling $750,000 in USDC. HSBC names its Hong Kong stablecoin HSBC RedCoin. Cardano ADA tapped by Brazil's state oil giant to track cleaner jet fuel and diesel.⭐️ Trade crypto perps with a free $25 bonus on Kalshi. You can trade on crypto up or down with up to 6x leverage, meaning you can put down $100 and control a $600 position. It's the first CFTC-regulated perps exchange in the country, which means no VPN and no offshore nonsense to deal with. To claim your $25 bonus, all you do is make your first $50 trade through my link - https://kalshi.com/p/thinkingcrypto 

Alicia and Matthew "Spot" Fulton recap Intuit's September In the Know, where most of the session focused on the ProPartner Accountants program that replaces ProAdvisor in early 2027. They break down the five tiers, how points are earned, the new three-year revenue share, which certifications never need renewing, and why the timing of your first certification matters this fall. They also cover delegated onboarding for QuickBooks Payments and Bill Pay, plus the new tax return dashboards for ProConnect Tax users in Intuit Accountant Suite Accelerate.Sponsors:Intuit Accountants - http://uqb.promo/intuitPilot - http://uqb.promo/pilotZamp - http://uqb.promo/zamp(00:00) - Welcome and Format (01:53) - How In the Know Works (02:39) - Community News and Events (05:14) - ProPartner Program Overview (06:55) - IAS Benefits and Support (13:42) - Revenue Share and Referrals (18:32) - Tiers Points and Certifications (31:14) - Delegated Bill Pay Onboarding (38:11) - ProConnect Tax Planning Insights (45:24) - Whats Around the Corner (46:04) - Alicias Upcoming Classes (49:06) - Wrap Up and Thanks LINKSHandout: https://staticassets.public-pr50.goldcast.io/event/6c8877ca-5f12-409a-808e-1df07754fc97/resources/1qXVtA2Sd7fNo6qGpV3A_September2026_ProAdvisor_InTheKnow_Handout.pdfEnabling Client Tax Insights in IAS: https://quickbooks.intuit.com/learn-support/en-us/help-article/tax-planning/enabling-accessing-client-tax-insights-intuit/L7f57S24k_US_en_USAlicia's Fall classes! Attend the live webinar or watch the recording on-demand, all with CPE. Become a member of the OWLS for free automatic enrollment into all courses:Intuit Accountant Suite: http://royl.ws/IAS?affiliate=5393907QBO Workforce Payroll Course: http://royl.ws/payroll?affiliate=5393907QB Time Course: http://royl.ws/qbtime?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 

This week on the PetaPixel Podast, the team discusses the return of the a7S IV rumor reappearing, but spends the majority of the episode creating the first-ever PetaPixel Power Rankings for full frame cameras.When it comes to ultralight tripods, every ounce counts. ProMaster's iota series fully embraces this philosophy by prioritizing speed, simplicity, and minimal weight. If your priority is carrying the least amount of weight possible while still having a capable and thoughtfully designed tripod, both the ProMaster iota 422 Ultralightweight Tripod Kit and the ProMaster iota 219 Tabletop Tripod Kit make a compelling case. Whether hiking, traveling, shooting landscapes close to the ground, or setting up a quick tabletop or macro shot, these tripods strip away complexity in favor of speed, simplicity, and a remarkably lightweight design. The iota series delivers a lightweight, fast, and genuinely enjoyable experience that encourages you to carry it more often and photograph more freely.Now saving when you shop for your favorite gear at B&H Photo is even easier with the B&H Payboo Credit Card which lets you Save the Tax — you pay the tax, and B&H pays you back instantly! (Save the Tax on eligible purchases shipped to eligible states.) OR you can pay over time with our 6 & 12 month financing (on minimum purchases of $199 for 6 months, and $599 for 12 months). Terms apply, learn more at http://bhphoto.com/payboo. Credit card offers are subject to credit approval.Payboo Credit Card Accounts are issued by Comenity Capital BankCheck out PetaPixel Merch: store.petapixel.com/ We use Riverside to record The PetaPixel Podcast in our online recording studio.We hope you enjoy the podcast and we look forward to hearing what you think. If you like what you hear, please support us by subscribing, liking, commenting, and reviewing! Every week, the trio go over comments on YouTube and here on PetaPixel, but if you'd like to send a message for them to hear, you can do so through SpeakPipe.In This Episode:00:00 - Intro09:41 - The a7S rumor mill has spun up again...17:26 - The FX5 is delayed again20:55 - Have you heard of Mandler?28:03 - Final Cut Camera gets a major update33:03 - You can add a zoom lens to the Luna Ultra34:44 - Yashica has another new compact camera37:15 - The Polaroid Mod38:34 - Viltrox is bringing its full Air series to Leica L mount42:07 - Full Frame Camera Power Rankings 1:17:19 - What have you been up to?1:23:50 - Tech support1:33:10 - Feel good story of the week

Text the show! Republicans control the House, the Senate, and the White House. They've got every key to Washington—and nobody left to blame. So what did they actually deliver?

Every second call at the moment ends the same way. The budget has tightened the screws, the pay rise didn't move the needle, so what if we just moved to Singapore? Or Dubai. Or Hong Kong. Ben and Siobhan ran the numbers, and the first thing they found is that Australia is a lower tax country than the UK, Canada, New Zealand and most of Europe. The catch is where we collect it. Almost 43% of every tax dollar in Australia comes from personal income, one of the heaviest reliances on personal income tax in the developed world, and that is exactly why it feels the way it does. From there it gets practical. What you take home on $100k, $250k, $500k and $1 million in Sydney versus Singapore, Hong Kong and Dubai. What those countries charge you instead, from a 60% stamp duty on foreigners to private everything. How you actually get in. The tax bill Australia hands you on the way out. And the two residency tests the ATO uses to decide whether you really left, because the people getting caught aren't the ones who moved, they're the ones who pretended to. WHAT YOU'LL GET OUT OF IT Why Australia's total tax take is below the OECD average, and why it feels worse than that Take-home pay on $100k, $250k, $500k and $1m across Australia, Singapore, Hong Kong and Dubai Zero capital gains, zero on dividends and zero on interest, and what these countries charge instead The employment pass, the top talent pass and the golden visa, and what each one costs to qualify for Monaco, the Caribbean, Vanuatu and the other places that make the list The deemed disposal tax bill you pay when you leave, without selling anything Source tax versus residency tax, and why your Australian property still gets taxed The six-month test and the centre of vital economic interest Who relocating actually works for, and who ends up worse off The tax-smart moves available to you if you stay CHAPTERS 00:07 Should you move to Singapore to save tax? 01:33 Australia is below the OECD average, with one big but 03:50 Why the pay rise stopped moving the needle 04:30 Singapore, Hong Kong and Dubai, why those three 05:46 Take-home pay on $100k, $250k, $500k and $1m 08:13 One year in Dubai equals five years here 09:22 Zero CGT, zero on dividends, zero on interest 10:09 Tax residency is the whole game 11:23 How these countries tax you instead 12:13 Getting in: employment passes, talent passes and golden visas 15:37 Monaco, the Caribbean and Vanuatu 19:21 The deemed disposal bill on the way out 20:20 Source tax versus residency tax 24:19 The six-month test and centre of vital economic interest 26:16 Line-ball residency cases 28:37 Who this actually works for 29:38 Is it worth six months away from your family? 30:36 The tax-smart moves if you stay 32:33 Wrap Smarter money moves start here. Learn how to cut through the noise, avoid expensive mistakes, and get ahead faster. FREE 7-DAY MONEY CHALLENGES Pick one and see what changes in a week: https://pivotwealth.com.au/challenges/ WORK WITH US Book a no-strings call: https://www.pivotwealth.com.au/booking More about Pivot Wealth: https://www.pivotwealth.com.au BEN'S BOOKS Virgin Millionaire: https://amzn.to/3VFPPDM Replace Your Salary by Investing: https://amzn.to/3J9Ta8g Get Unstuck: https://amzn.to/3xo0MQG All books: https://www.pivotwealth.com.au/books FOLLOW Instagram: https://www.instagram.com/pivotben TikTok: https://www.tiktok.com/@bentalksmoney YouTube: https://www.youtube.com/c/BenNashPivot Facebook: https://www.facebook.com/pivotwealth/ DISCLAIMER This podcast is for education only and doesn't take into account your personal circumstances. It's not financial advice. If you buy a financial product, read the PDS and TMD, and seek advice tailored to your situation. Ben Nash and Pivot Wealth are authorised representatives of Fish Tacos Pty Ltd, ABN 14 649 248 082, AFSL 533055.

This Morning's Headlines1. Mine explosion2. Aegis launch3. US investment4. Tax revenue5. Crude normalizes

O trabalho remoto e híbrido trouxe uma flexibilidade sem precedentes, mas também criou um novo desafio de carreira: como garantir que o teu empenho, os teus resultados e a tua liderança são reconhecidos quando não estás presencialmente com a equipa? O risco do "fora de vista, fora da ideia" ainda é real, mas ser visto não exige presença física constante.Neste episódio, a Ema Gonçalves, senior consultant de recrutamento de perfis especializados de HR, Tax & Legal da Randstad Portugal ensina como construir uma visibilidade digital forte e intencional. Vais aprender a comunicar o teu impacto, a manter uma rede de networking ativa à distância e a garantir a tua progressão de carreira sem abdicar da tua flexibilidade.Neste episódio, vais descobrir:Preconceito de proximidade: o que é o proximity bias e como evitar que afete as tuas oportunidades de promoção.Comunicação assíncrona com valor: como usar o e-mail, Teams ou Slack para destacar o teu progresso sem sobrecarregar a equipa.Presença em reuniões virtuais: técnicas para ter uma voz ativa e marcar posição em videochamadas ruidosas.Networking à distância: estratégias para criar relações de confiança na empresa sem os encontros casuais do escritório.Presença híbrida estratégica: como rentabilizar ao máximo os dias em que vais presencialmente ao escritório.Demonstração de ambição: como sinalizar que queres crescer e liderar novos projetos, mesmo a trabalhar a partir de casa.A tua reputação não é construída pelo tempo que passas numa cadeira, mas sim pela clareza da tua comunicação e pela consistência dos teus resultados.

Lea Files joins Stew to exposes how the upcoming "Genius Act" and Tether are privatizing the American dollar and transferring monetary sovereignty to offshore entities. National File publisher Noel Fritsch joins Stew to break down how the entire political establishment operates as controlled theater. Dive deep into the insider planning documents, the reality of compromised organizations, and why the mainstream narrative is entirely manufactured. Leonarda Jonie joins stew to expose the massive immigration scams, deep state corruption, and spiritual warfare destroying our heritage and communities. They want you wired, tracked, and spiritually disconnected through toxic, classified microwave radiation that destroys your cells from the inside out. James from True Shield joins Stew to expose the ultimate digital bio-weapon and learn how to shield your home before it is too late! JD Sharp joins Stew to unpacks how the matrix uses synchronized media attacks and manufactured controversies to deflect from real accountability. Join us on KICK https://kick.com/stewpeters  

Saving for retirement is only part of the equation. In this episode of The Budgetdog Breakdown, Brendan answers listener questions about retiring at 50, Roth conversion ladders, tax-efficient investing, asset location, and the HSA's role in retirement planning. The conversation begins with the importance of building flexibility across pretax, Roth, and taxable accounts. Brendan explains how having too much money concentrated in one tax bucket can create challenges when it's time to withdraw, and walks through the concept of Roth conversion ladders for people retiring before traditional retirement age. We also explore why the location of your investments matters, including why interest-producing assets such as bonds can be less tax-efficient in taxable brokerage accounts. Finally, Brendan breaks down the HSA's triple tax benefit and explains why it can function as an additional retirement-planning tool. Money isn't just about how much you accumulate. It's also about how efficiently you can use it. Episode Timeline and Highlights 00:00 Why wealthy people rely on systems 00:18 Retiring at 50 with a pretax-heavy portfolio 01:17 The three investment buckets 02:33 Understanding tax-efficient withdrawals 03:34 How Roth accounts work 04:15 Taxable brokerage accounts and tax flexibility 04:56 Required minimum distributions 05:15 Understanding Roth conversion ladders 06:10 How conversion ladders work 07:11 When Roth conversions may make sense 08:04 Rule 72(t) and Rule of 55 08:57 Tax preparation vs. tax strategy 09:36 Roth conversions after a job loss 10:41 Why asset location matters 13:52 Understanding dividends and taxes 14:12 Why bonds can be tax inefficient 15:46 The HSA triple tax benefit 16:45 Reimbursing yourself for medical expenses 17:44 Why an HSA can function as a retirement account 18:59 What changes at age 65? 19:39 The importance of keeping receipts 20:57 Final thoughts Key Takeaways • Retirement planning requires more than accumulating money • Pretax, Roth, and taxable accounts each provide different forms of flexibility • Roth conversions may be worth considering during lower-income periods • Tax strategy should be based on your individual circumstances • Asset location can affect your after-tax results • Interest income from bonds is generally taxed differently from long-term capital gains • HSAs offer multiple tax advantages • Keeping documentation for qualified medical expenses is important • Planning withdrawals before retirement can help create greater flexibility Quotables "If you only fill up one bucket...it makes your journey much harder." "How you withdraw that money matters." "Your CPA is likely set up to do tax prep...they're not thinking about the strategy." "The HSA is one of my favorite accounts." The goal isn't simply to accumulate as much money as possible. It's to build a financial structure that gives you flexibility when you actually need to use it.

Ep. 124: Porn, Marriage, Singleness, & Celibacy with Matt Dobschuetz   LISTENER DISCRETION ADVISED: DON'T LISTEN WITH KIDS AROUND Matt Dobschuetz is the host of Porn Free Radio, the top-rated podcast for motivated guys who want to quit looking at porn. His hope-filled approach to a subject many have trouble talking about has inspired a global audience of men to take action and transform their lives. He is the author of the 2022 book, Porn Free: Becoming the Type of Man That Does Not Look at Porn. From his home in suburban Chicago, Matt podcasts and runs a professional coaching practice. He is happily married to his wife, Janice, whom he has been friends with since college. Together, they have two sons in college. Matt is a diehard Chicago Bears fan, a coffee enthusiast, and a lover of old-school hip hop.  To learn more about Matt, his coaching, and his Rev Groups, visit https://recoveredman.com.   Resources shared:    Assessing Problematic Porn Use w/ Bill Herring https://recoveredman.com/311-assessing-problematic-porn-use-w-bill-herring/ In recovery circles we often use labels rather than descriptions. Words like sex addict or porn addiction are hastily applied or adopted. But often we miss gaining a greater understanding of ourselves and the truth of our situation. Bill Herring, LCSW, CSAT joins Porn Free Radio to share his framework for assessing problematic sexuality. It can easily be used to assess problematic porn use. Bill's common sense framework looks at 5 categories and uses 5 questions to assess problematic sexual behaviors. Bill's Questions: Are you keeping your promises? (Commitments) Are you OKAY with what you are doing? (Values) Are you in control of yourself? (Control) Is everything okay? (Consequence) Are you protecting everyone? (Responsibility)     ---- 10 Traits of the Mature Celibate   The former Catholic priest and psychotherapist A. W. Richard Sipe has spent the bulk of his career (approximately four decades) studying the practice of celibacy in Roman Catholic contexts, and he argues that genuine celibacy is indeed viable and healthy for those who attain it. But he believes it must be pursued. A large number of vowed clergy do live lives of disciplined sexual abstinence, according to Sipe's major work Celibacy in Crisis, but what he refers to (unhelpfully) as the “achievement” of celibacy—in which the major developmental crises have been weathered and the celibate state has been embraced and is, for all purposes, irreversible—is more rare, according to Sipe. He thinks this mature state of “attained” celibacy is virtually always characterized by at least ten traits:  first, by work (the productive use of time and energy); second, by prayer (an active interior life lived in the presence of God);  third, by community (“people to whom [the celibate is] committed and people on whom they can rely”); fourth, by service (some form of self-giving that takes one beyond one's own sphere);  fifth, by an awareness of one's physical needs and a willingness to fulfill one's lawful hungers with gentleness and self-care;  sixth, by balance in the rhythms of one's lifestyle;  seventh, by security in one's relational and communal commitments (“all celibate achievers had someone to whom they felt that they had confided the essence of themselves”);  eighth, by order in one's daily and seasonal life;  ninth, by learning and ongoing curiosity about others and the world one inhabits; and  tenth and finally, by an appreciation of beauty.  The one who undertakes this kind of celibate life must become intimately familiar with his or her characteristic patterns of desire, temptation, longing, and weakness. 10 points from book: A. W. Richard Sipe, Celibacy in Crisis: A Secret World Revisited (New York: Brunner-Routledge, 2003), 301. Quoted in book by: Hill, Wesley. Washed and Waiting: Reflections on Christian Faithfulness and Homosexuality. Zondervan.    You can also watch this episode on YouTube: https://youtu.be/IDB_Xmwz01Y   Flip Side Notes: Join an upcoming Beyond the Battle online group at www.beyondthebattle.net   Support Flip Side sponsor Angry Brew by using promo code FLIP at fivelakes.com and get 10% off your order.   Get a free month of Covenant Eyes at www.covenanteyes.com using promo code BEYOND   Get a free month of Accountable2You keyword accountability: a2u.app/beyond (do not use “www”)   Your recurring gifts make Noah's ministry & The Flip Side possible. Get some sweet swag by becoming a patron at www.patreon.com/noahfilipiak – includes exclusive access to Noah's episode commentary, interaction, and email access. (Not tax-deductible)  Tax-deductible recurring gifts can be given at www.noahfilipiak.com/give.    Purchase Shelter in the Storm, Beyond the Battle, and Needed Navigation by Noah Filipiak.

Struggling with your bookkeeping process? Discover how to transition to a professional accounting team without fear or hassle.Ever had those moments where your numbers just aren't making sense, or things don't show up on time?Julie Smith talks about that “uh-oh” feeling and what it's like to realize you might need help. Glenn Harper reassures us that embarrassment is totally normal, but it shouldn't stop you from making the change you need. They break down what the transition really looks like. From evaluating your current setup (no judgment!) to how their team does all the heavy lifting so you don't have to stress.You'll hear stories about what it means for entrepreneurs to actually hand off the books, how a professional team can be a real partner for your business, and why, according to Glenn Harper, no one regrets finally getting their finances organized. If you've ever wondered what switching accountants is really like, or just want to spend more time doing what you love in your business, this episode is for you!This episode is brought to you by PureTax, LLC. Tax preparation services without the pressure. When all you need is to get your tax return done, take the stress out of tax season by working with a firm that has simplified the process and the pricing. Find out more about how we started.Key takeaways for entrepreneurs:Don't let embarrassment hold you back. As Glenn Harper shared, recognizing issues in your bookkeeping is common. When you know better, you can do better. For yourself, your team, and your clients.You don't have to figure it out alone. The transition to a new system isn't as daunting as it seems. Our team picks up the heavy lifting, giving you clear expectations and minimal to-dos for a seamless change.Focus on your strengths. Let professionals handle the numbers, so you can spend your valuable energy on what you do best and grow your business with confidence.Moments00:00 Organized onboarding and change management03:47 Value of hiring a professional CPA06:50 Benefits of professional bookkeeping servicesRunning a business doesn't have to run your life.Without a business partner who holds you accountable, it's easy to be so busy ‘doing' business that you don't have the right strategy to grow your business.Stop letting your business run you. At Harper & Co CPA Plus, we know that you want to be empowered to build the lifestyle you envision. In order to do that you need a clear path to follow for successOur clients enjoy a proactive partnership with us. Schedule a consultation with us today.Download our free guide - Entrepreneurial Success Formula: How to Avoid Managing Your Business From Your Bank Account.Glenn Harper, CPA, is the Owner and Managing Partner of Harper & Company CPAs Plus, a top 10 Managing Partner in the country (Accounting Today's 2022 MP Elite). His firm won the 2021 Luca Award for Firm of the Year. An entrepreneur and speaker, Glenn transformed his firm into an advisory-focused practice, doubling revenue and profit in two years. He teaches entrepreneurs to build financial and operational excellence, speaks nationwide to CPA firm owners about running their businesses like entrepreneurs, and consults with firms across the country. Glenn enjoys golfing, fishing, hiking, cooking, and spending time with his family.'Julie Smith, MBA, is a serial entrepreneur in the public accounting space. She is the Founder of EmpowerCPA™, Founder of PureTax, LLC, COO for Harper & Company CPAs Plus, and Co-host of the Empowering Entrepreneurs podcast. Named CPA.com's 2021 Innovative Practitioner of Year, Julie led Harper & Company's transition to an advisory-focused firm, doubling revenue and profit in two years. She now empowers other CPA firm owners nationwide through consulting and speaking, teaching them how to run their businesses like entrepreneurs. Julie lives in Columbus, OH with her family and enjoys travel, coaching basketball, sporting events, and the occasional shopping spree.https://creativecommons.org/licenses/by-nd/4.0/Copyright 2026 Glenn HarperMentioned in this episode:Brought to you by Harper & Company CPAs PlusRunning a business takes vision, grit… and the right financial partner. At Harper & Company CPAs Plus, we don't just crunch numbers—we empower entrepreneurs. From proactive tax strategy and accounting to business advisory services, our team helps you keep more of what you earn and scale with confidence. Whether you're launching, growing, or preparing for exit, Harper & Company is in your corner with expert guidance built for business owners like you. Visit www.harpercpaplus.com to book a complimentary discovery call today - or call us at 614-456-7222. Brought to you by Harper & Company CPAs Plus

Access to land remains one of the biggest challenges facing young farmers and ranchers.On this episode of the Next Gen Podcast, Brownfield's Erin Anderson and Kellan Heavican sit down with Minneapolis-based attorney Mark Balzarini to discuss how land swap agreements can help farm families navigate ownership transitions, support succession planning, and improve opportunities for the next generation.Mark explains: ✅ What a land swap agreement is✅ How land swaps differ from traditional land purchases and cash rent agreements✅ Tax considerations and ownership benefits✅ Ways land swaps can support farm succession planning✅ Common mistakes and overlooked issues families should consider✅ Why early family conversations are criticalSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Jon Bray joins Stew to break down the explosive new Utah Valley University independent report that proves Turning Point USA leadership put Charlie Kirk in the kill box Clayton from Heaven's Harvest joins Stew to expose the accelerating global collapse, engineered food shortages, and why the global elite are quietly preparing for the end. Find out how you can protect your family and become a hard target before the system completely snaps. Stew breaks down irrefutable Google Trends and image search data linking Elizabeth Lane to military contractors and the Palantir Recon Task Force at Fort Huachuca. Join us on KICK https://kick.com/stewpeters  

Be honest with me for a second. If someone asked you right now what your retirement plan is, what would you say? If your gut answer is "Well, I'll sell the business someday," you're in good company. Most of us entrepreneurs are so locked in on the vision that the money side gets pushed to "later." I get it. Some days I just want to keep serving people and not even look at my bank account. But here's the truth that hit me hard in this conversation. Hoping isn't a plan. And no one's coming to save you.In this episode of The Happy Hustle Podcast, I sit down with my friend Dustin Bezalel, and man, this one's packed with money wisdom we never got taught in school. Dustin and I actually met at my brother-in-law Nick Hernandez's 40th birthday party, and within minutes I knew this guy gets it. He's a husband, a father of three, a man of faith, and someone who's genuinely crushing it both personally and professionally.Dustin is the president and founder of Creative Financial Network, an independent financial, risk, and wealth management firm based in Fort Lauderdale, Florida. What I love about his story is that finance wasn't his first love. Food was. He's got a culinary arts degree and spent years working high end hotel catering, pulling 17 hour days without seeing the financial reward. So about 21 years ago he made the leap into financial services and never looked back. Today his firm has close to a thousand agents and advisors, and his mission is simple. Help people win at home and win in business. A lot of his drive comes from watching his mom work so hard to raise him and his brother through financial struggle. Instead of letting that become an excuse, he turned it into fuel.This episode matters because so many high performers are quietly struggling behind the scenes. The social media highlight reel looks great, but the finances tell a different story. Dustin sees it all the time with successful CEOs who close the door and admit they haven't prepared at all. This conversation gives you a clear, honest starting point, whether you're just figuring out the money game or ready to play it at a higher level.The first big lesson is that procrastination is the real enemy. Dustin shared a stat that stopped me in my tracks. About 85% of business owners won't be able to retire if they can't sell their business. That's a massive gamble to make with your future. His fix is refreshingly simple. Pay yourself first, just like you pay your rent, your electric bill, or your team. When you do that consistently, compound interest starts working for you instead of you working for everyone else's wealth.The second lesson is to diversify in three ways, not just one. Most people only think about diversifying investments, but Dustin breaks it into risk, tax, and liquidity. Risk means making sure a market drop doesn't wipe you out, especially as you get closer to your later working years. Tax means thinking about when you pay taxes, not just how much, using tools like a mega backdoor Roth or permanent life insurance so your growth isn't taxed later. Liquidity means having money you can actually access now for opportunities or emergencies. And when it comes to an emergency fund, Dustin goes more conservative than most. He likes six to twelve months of expenses. Plan for the worst and hope for the best, not the other way around.The third lesson is knowing your four protectors based on your stage of life. If you're under 50, Dustin says you want life insurance so your family is taken care of, disability coverage so income keeps flowing if you can't work, a plan for your kids' college if they choose that path, and a retirement plan where you're saving around 10% of your earnings. If you're 50 or older, the focus shifts to preserving your capital, creating guaranteed household income for life, planning for long term care, and deciding what kind of legacy you want to leave. I loved how clear and practical this was.The fourth lesson is that strategy beats emotion every single time. Dustin calls himself a financial psychologist for his clients, and honestly that made so much sense to me. Entrepreneurs are emotional people. When times are tough, we panic. When times are great, we're tempted to buy a shiny toy that doesn't make us a dime. Dustin talked about how taxi companies never saw Uber and Lyft coming, which is exactly why you can't bet everything on one business. His firm doesn't do day trading or chase get rich quick ideas. It's about building a strategy that fits your season of life, revisiting it regularly, and sticking with it. Like losing weight, it comes down to consistent diet and exercise, not shortcuts.The fifth lesson is to water every plant, every day. This one really landed for me because I burned out as a tech entrepreneur by letting everything except work die off. Dustin waters three plants daily. His family, his business, and himself. Every Sunday he meal preps for the whole family, reviews his finances, and looks back at his week while planning the next one. He works out at least five days a week, prays every morning, and carves out weekly time with his wife. He also shared a line I won't forget. His family needs his presence, not just his presents.We also dive into the great life insurance debate, why calling it a scam misses the point entirely, and how entrepreneurs who don't take a big salary can still protect themselves when traditional disability coverage falls short. We chat about why real estate in Florida is tougher right now, Dustin's take on keeping crypto to a small position, and a super fun rapid fire round where you'll find out his favorite movie and the book that really stuck with him.What I appreciate most about Dustin is that he lives what he teaches. He's humble, he's disciplined, and he genuinely wants the people around him to win. His rallying cry says it all. Have a plan, do everything at 110% or don't do it at all, and remember that today is a gift. That's why it's called the present.If you're ready to stop putting off your financial future and start building a plan that actually protects your family, your business, and your peace of mind, this episode is for you.Listen to the full episode now at https://happyhustle.com/podcast and let me know what hit home for you.What does Happy Hustlin' mean to you?Dustin said that hustlin' look at as going 110% and watering every plant in life. And happy means enjoy every moment of doing it. Whether it's struggle, embrace it. If it's easy, embrace it for the moment. Life is too short. So do it with a smile, but do it with 110%.Connect with Dustinhttps://www.facebook.com/dustin.bezalelhttps://www.instagram.com/cfnsfl/https://www.youtube.com/@creativefinancialnetworkhttps://www.linkedin.com/in/dustin-bezalel-90ab1156/?skipRedirect=trueFind Dustin on this website: https://www.cfnsfl.com/Connect with Cary!https://www.instagram.com/caryjack/https://www.facebook.com/SirCaryJackhttps://www.linkedin.com/in/cary-jack-kendzior/https://twitter.com/thehappyhustlehttps://www.tiktok.com/@caryjackhttps://www.youtube.com/channel/UCFDNsD59tLxv2JfEuSsNMOQ/featuredGet a copy of his new book, https://www.thehappyhustle.com/bookSign up for The Journey: 10 Days To Become a Happy Hustler Online Course @ https://thehappyhustle.com/thejourney/Apply to the Montana Mastermind Epic Camping Adventure @ https://thehappyhustle.com/mastermind/“It's time to Happy Hustle, a blissfully balanced life you love, full of passion, purpose, and positive impact!”Episode Sponsors:KilnYour environment shapes your energy and your results. That's why we're proud to partner with Kiln, a premium workspace experience designed to help you work smarter, connect with amazing people, and elevate your lifestyle. From co-working and private offices to meeting rooms and event spaces, Kiln (https://kiln.com/) has everything you need to thrive. Mention "Happy Hustle" for a special hookup!If you're feeling stressed, not sleeping great, or your energy's been kinda meh lately—let me put you on to something that's been a total game-changer for me: Magnesium Breakthrough by BiOptimizers.This ain't your average magnesium—it's got all 7 essential forms that your body needs to chill out, sleep deeper, and feel more balanced. I take it every night and legit notice the difference the next day. No more waking up groggy or tossing and turning all nightIf you're ready to sleep like a baby, calm your nervous system, and optimize your recovery, go grab yours now at https://www.bioptimizers.com/happy and use code HAPPY10 for 10% OFF.My Green MattressIf you've been waking up with back pain, feeling stiff, or just not getting that deep, quality sleep. This might be what you're missing: My Green Mattress.It's made with clean, non-toxic, and eco-friendly materials, so you're not just sleeping better, you're sleeping healthier too. The comfort and support are on another level, and you can really feel the difference night after night.If you're ready to invest in better sleep and better recovery, check it out at https://thehappyhustle.com/mygreenmattressOzlo SleepIf you've been struggling to fall asleep, stay asleep, or just wake up feeling actually rested, let me put you on to something that's been a total game-changer: Ozlo Sleep.These aren't your typical sleep buds. They're designed to block out noise and help your brain fully relax, so you can drift off faster and stay in deep, uninterrupted sleep. Perfect if you're a light sleeper or just want that next-level rest.If you're ready to upgrade your sleep and wake up feeling recharged, check out https://ozlosleep.com and save $80 OFF using code HAPPY.

Flying the Furry Skies, ChampAIgne Is Flowing, & Guest Allie Wheelz On this episode of Red State Update, Jackie and Dunlap welcome Allie Wheelz to talk about her months-long fight for home care, the Olmstead Act, and what it's like to have to constantly prove you're disabled. Plus: Tommy Tuberville's furry-pilot panic, gas prices, the Iran war, ICE, and a helluva long list of Republican problems heading into the midterms, President Xi's red-carpet get-your-ass-kissed-by-Trump visit, and a Halloween warning about chupacabras.  Look at all this mess: America's dumbest Tommy, Tommy Tuberville, worries about furries flyin planes. Hilarious! And then he talks about forced institutionalization for trans folks. Not so funny anymore! Republicans have to run on fear since they can't run on gas prices, inlation, Iran, anything real, so they got to make stuff up to scare us. ICE and Stephen Miller: shootings, citizens killed, legal residents rounded up, all cause of this one gross sick dude. The real freaks and weirdos and pervs are in the Oval Office, not behind the beverage cart. Ranchers and farmers struggling because workers are too afraid to show up. The state of health care sucks: Medicaid and health care cuts coming after the midterms. Women dying under abortion bans in red states. Americans battle high prices and financial pressure and job insecurity due to AI while Dan Scavino posts an AI ad of White House Buddies rollin' around sprayin' champagne over the goldest room there is. Hegseth and the Pentagon hiding casualty and injury numbers of service members from the Iran War. Crazy numbers of attempted su**ide. How is Pete Hegseth still in charge? Bo French, Texas Railroad Commissioner candidate, is so racist he got mad at a photo of a University of Texas football crowd. If you're so racist you're mad at football, you're too racist. Trump's net worth is reportedly around $7 billion, triple what it was two years ago. His gross family is cashing in too. One of many Trump corrupt schemes? Pay-for-pardons! The DOJ took down the list of Trump's pardons. Maybe they're afraid people are starting to pay attention? If AI takes your job, maybe you can get into the burgeoning pardon broke field. Major League Baseball wants to build a stadium in Grand Teton National Park. This is something nobody wants except rich people. Maybe you could get away with this horse hockey when gas wasn't six bucks. Tax-payer money paying for ads praising Trump. He ain't even running! Imagine if Obabma put up an add with Love Me Love Me in the background. Jackie wants to take his taxes and make his own anti-Trump ads. Ain't we already doin that every week for free? Facebook MAGA meme accounts claim oil companies are keeping gas prices high to sabotage Trump before the midterms. Yes, Trump's famous arch-enemies the oil companies. Trump is rolling back all the Biden-era fuel regulations and going after electric cars! Interview: Allie Wheelz Ali is a disability advocate and content creator who joins Jackie and Dunlap to talk about her personal battles against care-cutting algorithms and out-of-touch committees of money-grubbing ghouls rushing to make budget cuts against the most vulnerable. She also describes the coming cataclysmic Olmstead Act changes, and how Texas is already leading the anti-autonomy charge. Plus Project 2025, growing up disabled before the ADA, constantly proving your disability before your funding is cut off, and bee tattoos. Tell your caregivers, paid or unpaid, that you appreciate them. Vote by candidates' records on supporting the elderly, disabled, and mentally ill. Facebook: Alliewheelz Instagram: @alliewheelz TikTok: @alliewheelz Twitch: Alliewheelz YouTube: Alliewheelz Website: Alliewheelz.com Ways to keep up with political matters pertaining to spinal muscular atrophy: https://www.votervoice.net/CureSMA/Campaigns And after Allie's interview, Jackie and Dunlap talk about Trump and Xi: selling weapons, why Trump loves strongmen, and how the only communists he has a problem with are either made up or streamers. Get 20 Extra Minutes with Jackie and Dunlap at http://www.patreon.com/redstateupdate Art by Yoni Limor Photos by Robyn von Swank Theme: "Dunlap News Theme" by William Sherry Jr. Additional music: "The Magic Cowboy" by Seth Timbs sethtimbs.com Follow us on Instagram, TikTok, Facebook, YouTube, BlueSky Anti-Trump rednecks Jackie Broyles and Dunlap have been yelling about the news, politics, and pop-culture in a bunker underneath Jackie's Market (now closed) in Murfreesboro, Tennessee, since 2005.

Historian Tom Holland and Cambridge Bible scholar Dr Peter J Williams join Justin Brierley for a live audience conversation on the historical and miraculous claims about Jesus Christ. Recorded for Pillar and Step at All Souls Church LondonFor Tom Holland: https://www.tom-holland.org/For Peter J Williams: https://tyndalehouse.com/faces/williams-peter-j/For Pillar and Step: https://pillarandstep.com/For Tom Holland, NT Wright & Molly Worthen event in Oxford: https://forms.cloud.microsoft/Pages/ResponsePage.aspx?id=15YWsHbrvUWdPIhrLR4zsGz_p9kymjxJvCMezxZHqb5UM1lST1dTRUNTRTc4QVBVODhCOEFMTVYxUi4u More info: https://justinbrierley.com/surprisingrebirth/ Sign up to my newsletter for free chapters: https://justinbrierley.com/get-justins-newsletter/ Support via Patreon for early access to new episodes and bonus content: https://www.patreon.com/justinbrierley/membership Support via Tax-deductible (USA) and get the same perks: https://defendersmedia.com/portfolio/justin-brierley/ Give a one-off gift via PayPal: https://www.paypal.com/paypalme/brierleyjustin Buy the book or get a signed copy: https://justinbrierley.com/the-surprising-rebirth-of-belief-in-god/ Got feedback? Share it with us by emailing: feedback@think.faith Watch the video of this event on my YouTube channel: https://youtu.be/bai9Wzb9lNI Check out my other show, Uncommon Ground: https://justinbrierley.com/uncommon-ground-podcast/ The Surprising Rebirth of Belief in God is a production of Think Faith. Learn more about your ad choices. Visit podcastchoices.com/adchoices

What should you do if the stock market crashes right after you retire? In this episode, I discuss what happens if you experience a major market decline in your early retirement years, explain the concept of sequence of return risk, and share a few strategies to safeguard your hard-earned nest egg and maintain peace of mind.   You will want to hear this episode if you are interested in... [01:20] What to do if the stock market crashes right after retiring [04:09] Sequence of return risk explained [07:14] Preparing for market declines in retirement [13:43] Tax strategies during market decline [15:24] Roth conversions and retirement planning [16:54] Market declines are recurring and necessary for capturing market returns  Risks Retirees Face Retiring at a market peak brings risks. When still working, a market downturn lets you buy investments at lower prices. You have time on your side—and a regular paycheck. In retirement, however, your portfolio often becomes your primary income source. After years of building a $1.5 million nest egg, imagine seeing it drop by 25%, to $1.125 million, just months after retiring—without paychecks to replenish it. Your portfolio potentially shrinks, and you're withdrawing money from a diminished resource, hampering its ability to recover as markets eventually rebound.   Understanding Sequence of Return Risk A key concept is sequence of return risk, which refers to the danger that poor investment returns strike early in retirement. Two retirees may earn the same average annual return, but if one encounters downturns at the start of retirement while the other faces them later, their financial outcomes can be drastically different. Early losses, combined with withdrawals, can irreparably harm a portfolio, making recovery much harder—even if average returns are the same.   Five Steps to Safeguard Your Retirement Portfolio How can you prepare for, and withstand, a major market correction right after retiring? Here are my five key steps:   1. Hold Short-Term Reserves Every retiree should allocate a portion of their portfolio to short-term bonds, cash, or money market funds. This "bucket" provides a buffer, covering your withdrawals during market downturns so you don't have to sell stocks at a loss. Depending on your risk profile, aim to set aside 5 to 10 years' worth of expected withdrawals in these safer assets.   2. Regularly Review Your Asset Allocation As you approach retirement, your investment mix should grow more conservative. Adjusting your asset allocation—perhaps settling on a portfolio of 60% stocks and 40% bonds or cash—can help limit losses. Ask yourself: How much of a decline can you stomach? Even diversified portfolios can lose 25% in significant downturns, which, on a $2 million portfolio, means a $500,000 drop.    3. Stay Flexible with Retirement Spending Categorize your expenses into essentials (housing, food, insurance) and wants (travel, memberships). If markets fall and portfolio withdrawals become a high percentage of your assets, consider temporarily reducing want-based spending. This flexibility buys time for markets to recover and helps your assets last longer.   4. Tax-Smart Withdrawal Strategies If you hold both taxable and tax-advantaged accounts, be strategic. In a downturn, withdrawing from taxable accounts—especially if they contain holdings at a loss or long-term capital gains taxed at lower rates—may minimize your tax burden compared to pulling from traditional IRAs or 401(k)s.   5. Consider Roth Conversions in Down Markets A market drop can be an opportunity: converting pre-tax IRA assets to Roth IRAs at lower prices means a lower tax bill and the chance for future tax-free growth as values recover.   Should You Delay Retirement During a Market Crash? Ensure your financial plan, reviewed with a professional, can weather market shocks before taking the leap 16:25. Stock market declines are inevitable but have historically been followed by recovery and growth—especially for those who avoid panic and keep a steady course. A stock market crash immediately after retirement is daunting, but it doesn't have to ruin your plans. By building robust short-term reserves, adjusting your asset allocation, retaining spending flexibility, employing smart withdrawal strategies, and seizing opportunities like Roth conversions, you can navigate downturns with confidence. Remember: market declines are normal, and with a well-constructed plan, your retirement can weather any storm.   Resources Mentioned Retirement Readiness Review Subscribe to the Retire with Ryan YouTube Channel Download my entire book for FREE    Connect With Morrissey Wealth Management  www.MorrisseyWealthManagement.com/contact Subscribe to Retire With Ryan

Don’t Forget Your Annual Policy Checkup Episode 402 – How long would you go without getting a physical? Life insurance also requires periodic attention. When was the last time you had a policy checkup? What ”symptoms” do you need to watch out for? More SML Planning Minute Podcast Episodes Transcript of Podcast Episode 402 Hello, this is Bill Rainaldi, with another edition of Security Mutual's SML Planning Minute. In today's episode: don't forget your annual policy checkup! When it comes to taking care of your family's needs and helping preserve your wealth for future generations, life insurance may be one of the best tools you can use. It can provide cash to your heirs when it's needed most, peace of mind, and flexibility, very often at a reasonable cost. But no matter who you are, your needs and financial situation are going to be different and change over time. That's why, just like a trip to the doctor, an annual checkup is so important. Procrastination is your enemy in either case. If you wait too long to address an undiagnosed illness or a neglected financial need, it might make the problem much more difficult to solve. When it comes to life insurance, the older you get, the higher the premiums will become. And worse, an unexpected future health development could make it difficult or impossible to obtain new coverage when you need it. The sooner you can address any potential problem, the better. Change can come at you in a hurry. Here are just a few of the life changes that might necessitate an adjustment in your life insurance coverage: Marriage – Either of you may want to help insure the income of the other New home – Many people choose to insure their mortgage; and some banks require it New children, of course, may increase your life insurance needs. The same also might apply for grandchildren. Divorce or a death in the family may prompt you to change your beneficiary. A change in your business fortunes and needs, either good or bad, may impact your life insurance. Growth in your income, or a change in your debts, may require you to adjust the amount of coverage you have. Policy performance is something that usually needs to be studied. Is your policy living up to expectations? Estate or inheritance tax changes could affect your insurance needs. Inflation, over the long term, can silently increase your life insurance needs. Your net worth. At some point, hopefully, your goals may evolve from merely protecting your family's needs to creating a long-term legacy. Children growing up and starting families of their own may decrease your life insurance needs, but as we referenced grandchildren earlier, you may choose to provide for them. So, you need to treat your life insurance much like you treat your own health: conscientiously, and with thorough evaluation. It takes effort. That means meeting with your advisor and getting a regular review, asking questions, and making adjustments as needed. Your future self—and the people who depend on you—will be glad you did. When you go in for your review, you'll need to take a good look at a few things with your life insurance advisor. You can start with some recent policy statements that show the current death benefit, cash value, and premiums due. You should also have your current overall financial statement and an accurate picture of your cash flow. This will be a good way to see if your coverage needs be changed. You will also need to be able to talk about any major life events that might have occurred since the last review. Finally, your advisor will likely need to order a series of “in-force illustrations” on your policies. This will help provide a clearer picture of whether your current policies are performing as originally expected. So, once you've gathered all the information, what exactly are you looking for? Over at LinkedIn, author Rick Bailey has a few suggestions, among them: [1] Is the policy's death benefit still up to date with what you need? How about the premium? Can you still afford it? Don't forget about the all-important beneficiary designations. Do subsequent events require some sort of change? Are there living benefits, such as a policy loan or chronic illness rider that you need to take a look at? Is the policy performing as it was originally intended? Will it require additional cash to keep it going? So, it takes some work to get a clear and understandable picture of the policy and where it sits in your current situation. Is a policy change the best option? Perhaps a term conversion, Section 1035 Exchange, or even a partial surrender (if possible) might be a good choice. An annual review is even a good idea with a term life insurance policy. The death benefit and premium might not change from year to year, but your health might, and your age definitely will. The closer your term policy gets to its end, the closer you may need to look at your conversion options because once the term is up, you'll need to consider three things: Do I need to continue my term life insurance coverage for some reason? If I do need ongoing coverage, can I afford to pay the annually increasing term rates once the term is over? Is permanent insurance an option for me? Has it been a while since your last policy review? Your Security Mutual Life insurance agent can help. Your Security Mutual Life insurance agent can help assemble your financial team and coordinate with your attorneys and tax professionals to review your situation, and to determine the insurance plan that will best suit your needs and objectives. [1] Bailey, Rick. “Why Every Life Insurance Policy Deserves a Regular Review.” LinkedIn.com. https://www.linkedin.com/pulse/why-every-life-insurance-policy-deserves-regular-rick-lwdmc/ (accessed September 10, 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

Even the best international tax structures fail without emotional governance. Private wealth expert Charlie Sosna reveals how to fix governance pitfalls and secure your family legacy. High-net-worth families often spend millions on complex trusts, tax structures, and international asset protection. Yet, even the most pristine estate plan can shatter if the human foundation underneath it fractures. When family succession ignores emotional dynamics, self-awareness, and relational health, financial wealth becomes a source of deep conflict rather than lasting stability. In this episode of Safe Space, host Francesco Lombardo sits down with Charlie Sosna, Partner and Head of Private Wealth and Tax at Mishcon de Reya. Ranked by Chambers HNW as one of the world's leading private client advisors, Charlie brings decades of expertise navigating complex international tax matters, UK-US planning, and ultra-high-net-worth structures across the globe. However, Charlie's deepest takeaway goes beyond numbers and legal agreements: structural planning is only half the battle. We dive into the hidden pitfalls of governance, exploring why emotional intelligence and behavioral governance are the true keys to legacy preservation. Charlie shares how establishing clear roles, setting healthy expectations, and addressing unsaid family dynamics protect multi-generational continuity far better than legal trusts alone. Learn how to move past rigid corporate frameworks, cultivate genuine self-awareness within your family enterprise, and align your financial wealth with lasting emotional health. Connect with me here: • https://www.linkedin.com/in/francesco-lombardo-fea-496a7966/ • https://www.facebook.com/VeritageFamilyOffice • https://www.youtube.com/@VeritageInternational • https://veritage.ca

UK Dentists: Collect your verifiable CPD for this episode here >>> https://courses.dentistswhoinvest.com/smart-money-members-club———————————————————————Your bookkeeping is no longer a dusty spreadsheet you revisit at year end. With Making Tax Digital and tighter margins, the numbers behind your dentistry decide how calm you feel about tax, how confident a lender feels about backing you, and how attractive your practice looks to a future buyer.We sit down with Darren Nicholson from Azets to map out what “good management information” looks like at each stage of a dental career. We start with associates and the practical realities of quarterly reporting, then move into what changes the moment you become a principal: monthly management accounts, clean categorisation, and a simple rhythm that turns compliance into control. We talk about forecasting your tax bill 12 to 18 months ahead, so 31 January stops being a panic and becomes a plan.From there, we get specific about dental practice KPIs and benchmarking. We discuss turnover against target, direct costs like materials and labs, staff costs, marketing effectiveness, EBITDA, and why context matters when you're trying to judge whether your numbers are “normal”. We also cover how practice management software can link into Xero or QuickBooks for better drill-down, including income by chair and utilisation gaps, plus the common set-up mistakes that make reports misleading.If you want stronger cash flow, better tax planning, and lender-ready reporting that supports growth or an eventual exit, hit play. Subscribe, share this with a practice owner friend, and leave a review with the one KPI you want to get under control next.———————————————————————Disclaimer: All content on this channel is for education purposes only and does not constitute an investment recommendation or individual financial advice. For that, you should speak to a regulated, independent professional. The value of investments and the income from them can go down as well as up, so you may get back less than you invest. The views expressed on this channel may no longer be current. The information provided is not a personal recommendation for any particular investment. Tax treatment depends on individual circumstances and all tax rules may change in the future. If you are unsure about the suitability of an investment, you should speak to a regulated, independent professional. Investment figures quoted refer to simulated past performance and that past performance is not a reliable indicator of future results/performance.Send us Fan Mail

Roger Harris is joined by Amanda Aguillard, COO of Padgett, to share what they heard from accounting firm owners on this summer's IRS and association conference tour: owners are tapped out and don't know where to start. Amanda walks through Padgett's right-sizing framework (the right work, for the right clients, at the right price, with the right staff). She covers why a "simple" $1,000 business return can hide $7,000 to $8,000 of unbilled cleanup, how to grade every client A through F, and why fewer than 10% of clients walk away from a price increase. With next tax season approaching, she argues that pricing is the one fix that makes everything else possible, from hiring to advisory work.SponsorsPadgett -  Contact Padgett or Email Jeff PhillipsLink to Resource https://www.padgettadvisors.com/join/the-rightsizing-playbook/Get NASBA Approved CPE or IRS Approved CELaunch the course on EarmarkCPE to get free CPE/CE for listening to this episode.Chapters(00:00) - Welcome and Guest Intro (02:29) - Amanda's Career Journey (05:08) - Conference Pain Points (06:20) - Right Sizing Framework (11:09) - CEO Mindset Shift (14:01) - The Hidden Work Trap (19:41) - Advisory Capacity Opportunity (22:09) - Client Census and Grading (25:59) - Pricing Fears and Reality (29:25) - Emotionless Pricing Mindset (30:25) - Exceptions Not Strategy (31:22) - Drop The Guilt (33:10) - Objective Pricing Framework (34:07) - Complexity Risk Value (36:43) - Profitability Benchmarks (39:02) - Pricing Enables Hiring (43:50) - Case Study Cutting 1040s (46:27) - Raise Fees Now (47:42) - Clients Accept Increases (51:15) - Rip The Band Aid (52:57) - Pricing Beats Tech (55:42) - Wrap Up Resources 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.

Plus: Opposition leader Pierre Poilievre wants to eliminate all tax on diesel sales until at least Canada Day, the Canadian Police and Peace Officers' annual memorial service in Ottawa has recognized five police officers and a correctional services officer who died this year, a decade after their final concert a staple of Canadiana joined the Canadian Songwriters Hall of Fame. We love feedback at The Big Story, as well as suggestions for future episodes. You can find us: Through email at hello@thebigstorypodcast.ca Or @thebigstory.bsky.social on Bluesky Hosted by Simplecast, an AdsWizz company. See https://pcm.adswizz.com for information about our collection and use of personal data for advertising.

Direct indexing is one of the fastest-growing strategies in investing — but for Americans living abroad, it comes with an extra layer of complexity. In this episode of Gimme Some Truth, Nate, Keith, and Stan break down how direct indexing works, why it matters for tax efficiency, and the unique challenges (and opportunities) it creates for expats navigating both U.S. and foreign tax rules.Topics covered in this episode:✅ What direct indexing is, explained with a simple analogy (buying the box vs. owning the individual pieces inside)✅ Why direct indexing has become possible: lower trading costs and better technology✅ Tax-loss harvesting basics: offsetting gains, the $3,000 ordinary income deduction, and carrying forward losses✅ Why expat investors face added complexity — many countries don't allow carrying forward capital losses✅ How currency exposure (USD vs. euro, etc.) complicates gains and losses for Americans abroad✅ Country-specific restrictions on offshore mutual funds and ETFs (Austria, Denmark, UK, Ireland, and more)✅ Using direct indexing to prepare for a move to a higher-tax jurisdiction✅ Portfolio customization: adjusting cap-weighting, eliminating stocks, and rebalancing concentrated positions (like legacy Apple or Microsoft holdings)✅ Building custom benchmarks beyond the S&P 500 by blending multiple indexes✅ Values-based, ESG, and religious investing customization — including Sharia-compliant portfolios✅ Managing compliance restrictions for executives, law firms, and accounting professionals with trading limitations✅ Currency transparency: seeing exactly what you own and in what currency#DirectIndexing #ExpatFinance #TaxLossHarvesting #InternationalInvesting #WealthManagement #ExpatTaxPlanning #PortfolioManagementTimestamps0:00 – Intro: direct indexing for expats0:32 – What is direct indexing? (the cereal box analogy)1:49 – Why direct indexing is possible now: lower fees, better technology2:53 – Tax-loss harvesting basics and the $3,000 income offset4:17 – Why direct indexing gets complicated for expats5:00 – Currency overlap: gains in USD, losses in euros (and vice versa)5:55 – Country restrictions on offshore funds (Austria, Denmark, UK, Ireland)6:52 – Trimming positions before moving to a higher-tax country7:17 – Customizing cap-weighting and eliminating stocks9:08 – Building custom benchmarks beyond the S&P 5009:56 – Reconfiguring your index strategy over time10:31 – Managing concentrated stock positions (legacy Apple/Microsoft holdings)11:14 – ESG, governance, and ethical investing customization12:00 – Excluding sectors: AI, oil & gas, defense stocks12:39 – Sharia-compliant investing & executive compliance restrictions13:22 – Currency transparency: knowing what you own and where14:01 – Wrap-up: teaser for the advanced (301) episode14:21 – Bonus: Premier League predictions16:59 – Outro

It's good to know which decisions can never be undone, before you retire in Ireland. Most of a pre-retirement checklist can be changed next year. Four or five items cannot. In this episode Paddy Delaney, independent retirement and investment planner, takes them door by door: the €200,000 lifetime limit on tax-free lump sums, the annuity decision, the tax year you crystallise near the Standard Fund Threshold, the pension tax relief that stops with your last payslip, and the order you do it all in. This episode is for anyone a year or two from retirement who wants to know which doors close for good. What you'll learn: Why the €200,000 tax-free retirement lump sum in Ireland is a lifetime limit across all your pensions, not per pension Why an ARF can become an annuity later, but an annuity can never go back How the Standard Fund Threshold rising from €2.2m to €2.8m makes the tax year you crystallise matter, and why growth can erase the saving (fictional case study: Maggie, 61, €2.6m) How much pension tax relief you can still use at 55 to 59 and at 60 and over, before your last payslip If you're approaching retirement with a significant pension and want clarity on which decisions to slow down on, this episode is for you.

September 28, 2026 ~ SCOTUS rules in favor of Trump's voter database. Tax payer funded ad for Trump airs during football. Lions win close. JV sent off in cinematic fashion. US and China reach a $30 billion tariff deal. 5 people arrested near UK airbase used by the US. Open AI says it's system accessed US websites on it's own. 3 dead, 4 injured in mass shooting at after hours strip club at house on Detroit's West Side and the day's biggest headlines. Hosted by Simplecast, an AdsWizz company. See https://pcm.adswizz.com for information about our collection and use of personal data for advertising.

Go to groundnews.com/skinny for a better way to stay informed. Subscribe through our link for 40% off unlimited access to world-wide coverage. NVIDIA just agreed to buy Hugging Face, and the deal won't add a cent to its earnings per share. So why do it? In this episode we dig into what NVIDIA really gets from owning the home of open-weight AI, and whether this is a threat to OpenAI and Anthropic that the market hasn't priced in yet. What's the actual difference between open source and open weight, and why does almost everyone (yes, even us included) mix them up? If Amazon, Google, and the frontier labs are all building their own inference chips, where does NVIDIA's next wave of customers come from? And if the free "Temu version" of AI gets good enough for most people, who keeps paying for the Prada bag? Then we bring on Michelle Weaver, Head of US Thematic Equity Research at Morgan Stanley, to ask the questions everyone in finance is worried about. Which companies are actually seeing AI show up in their margins, and which are just burning tokens so they can say "AI" on the earnings call? Is AI already showing up in the jobs data for young workers? What happens to the traditional Wall Street analyst class if the org chart stops being a pyramid? Does the Jevons Paradox of economic theory help or hurt the frontier model companies? And why are American companies nervous about building on Chinese open-weight models? We also get into the growing fight over AI data centers. Why has this become one of the few issues uniting voters on both the left and the right? What do power bills, water use, and old brownfield sites have to do with it? How big is a 57-gigawatt power shortfall, really? And what does Oracle declaring force majeure on its New Mexico Stargate site tell us about where the AI build-out is headed? 00:00 Intro: Revisiting our early episodes 03:00 Life updates: Flying, dogs & kids 06:10 Our Yahoo Finance Market Hang recap 07:50 Why NVIDIA bought Hugging Face 11:10 Training vs. inference: Where AI compute is headed 14:15 CUDA and NVIDIA's software moat 15:50 Open source vs. open weight, explained 19:20 Is NVIDIA a threat to OpenAI & Anthropic? 21:25 Meta's Muse and why easy AI wins 25:00 Why companies struggle with AI adoption 27:20 Oracle's Stargate force majeure (Ground News) 28:45 Michelle Weaver joins: What is thematic research? 30:15 AI enablers vs. AI adopters 35:05 Open vs. closed models and Jevons paradox 37:25 The risks of Chinese open-weight models 39:45 Pricing security risk in AI adoption 42:15 Token budgets and the end of token maxing 44:00 Is AI already costing jobs? 46:55 What AI means for Wall Street analysts 49:25 Data centers: People, power & politics 53:00 Tax breaks, brownfields & state moratoriums 55:35 The 57-gigawatt power shortfall 57:35 US vs. China: Chips, power & the AI race 59:20 Where to find Michelle's research

Friends of the Rosary,“Tax collectors and prostitutes are entering the kingdom of God are entering the kingdom of God before you,” said Christ the Lord to the chief priests and elders of the people, as we read in the Gospel today (Matthew 21:28-32), the twenty-sixth Sunday in ordinary time.He explained why."When John came to you in the way of righteousness,you did not believe him;but tax collectors and prostitutes did.Yet even when you saw that,you did not later change your minds and believe him."This means that when someone encounters Jesus Christ, he finds everything he needs to be happy — and to enter the Kingdom.The Lord is infinitely more attractive than the false delights of this earthly world.The main reading also shows that saying “yes” is not enough if our actions say “no.”Saint Paul's passage points us to the humility of Christ, who emptied Himself and obeyed the Father completely, encouraging us to repent, become humble like Christ, and let our obedience be real.Ave Maria!Come, Holy Spirit, come!To Jesus through Mary!Here I am, Lord; I come to do your will.Please give us the grace to respond with joy!+ Mikel Amigot w/ María Blanca | RosaryNetwork.com, New YorkEnhance your faith with the new Holy Rosary University app:Apple iOS | New! Android Google Play• September 27, 2026, Today's Rosary on YouTube | Daily broadcast at 7:30 pm ET 

For critics of the conservative majority on the U.S. Supreme Court, much attention and ire is focused on the new justices appointed by President Donald Trump. But journalist Alex Wagner says the key president to note is Ronald Reagan, whose 1980 election marked a distinct right turn for American governance. Wagner, host of Crooked Media's “Runaway Country,” says Reagan's election marked the return to power of the conservative right after many decades on the fringes: Tax cuts, aggressive foreign policy, and law and order would soon become the cornerstones of Reagan's agenda. But, behind the scenes, a select group of administration officials and ideological allies had their eyes set on something much more valuable: an institution with the power to shape the country's legal, cultural and existential identity, long after any presidential term ended. Wagner says California's own Ed Meese, an Alameda County district attorney, lawyer and aide to Reagan from his days as governor, knew exactly what he had to do to seize the Supreme Court: get as many judges on the bench as possible, and make sure they were as conservative as he was on issues like abortion rights, taxes and criminal justice. Working in parallel to achieve the same goal were a band of fellow true believers: Paul Weyrich, a firebrand organizer; Joe Coors, the beer magnate whose fortune funded many of Weyrich's efforts; and Robert Bork, the towering legal intellect of the right and an important mentor to a few young law students starting a new organization called The Federalist Society.  By the end of the decade, these men would change the face of the American judiciary forever. Join us as Wagner draws on the work in her new book The Steal to go into the closed-door meetings, public nomination hearings, and back rooms of American political power to reveal the story behind one of the most significant moments in American history, and how it affects us to this day. This content has EXPLICIT language. Learn more about your ad choices. Visit megaphone.fm/adchoices

“Tax collectors and prostitutes are entering the kingdom of God before you.”

Stew joins The Black Line Brief with Mitch Snow, Matthew Tucciarone, Matt Mckin and Honest Ash to expose deep-state ties at Fort Huachuca, political operations behind TPUSA, and massive narrative flaws in the Charlie Kirk and Tyler Robinson cases. Join us on KICK https://kick.com/stewpeters  

The math simply doesn't add up, and their untrustworthy narratives are completely unraveling. Sam Parker joins Stew to systematically pick apart every single excuse they have tried to construct, proving why their official stories are falling apart at the seams.   Join us on KICK https://kick.com/stewpeters  

So you have a large HSA in retirement, but what can you really do with it?HSAs are perhaps the most tax-advantaged account out of them all... Better than IRAs and Roth IRAs because an HSA is triple-tax advantaged. You get to deduct contributions from your income, the account grows tax-free, and you can take money from the account tax-free for qualified medical expenses. But in retirement, there are a few other things that you can use an HSA for and that's what I cover in this episode.

September 23, 2026When Trump returned to the White House in 2025, he fired the investigators in the anti-corruption group of the FBI who were investigating Sen. Susan Collins for engaging in a pay-to-play scheme, He largely stopped investigating public corruption, The Gilded Age was known for lawmakers rewarding business followers with government contracts and political office, The relationship between MAGA Republicans and the misuse of tax dollars is becoming more obvious, HHS Secretary Kennedy has taken funds from his department's Office of Minority Health to fund security for himself, Kennedy has accepted gifts and his wife has accepted consulting fees from allies, Tax dollars are being used to pay authoritarian governments for imprisoning immigrants from the US, The administration is reversing its previous emphasis on resettling refugees, focusing instead on expelling them, often to places where they will be tortured, and all with little oversight, In Texas, an ICE agent shot a Venezuelan food delivery driver who had a valid work permit, The ICE agent was a recent hire, among those hired when the workforce was doubled after billions of dollars were provided by Congress, The NSF, NOAA, and Agency for Healthcare Research and Quality are all running far behind in funding for the fiscal year, Trump's ballroom will cost taxpayers more than $300 million, in spite of his early promises, And the ballroom's design does not meet fire codes, a concern that Trump dismissed.To read this letter, click here.Listen on Apple PodcastsListen on SpotifyGet full, free access to Letters from an American here.You can also find Heather:YouTubeBlueskyInstagramFacebookThreadsTikTok Get full access to Letters from an American at heathercoxrichardson.substack.com/subscribe

Ana Escobar joins Stew to tear apart Andrew Wilson's late night stream and the pathetic attempts to construct a non alibi. They expose the shifting stories, the manipulated metadata, and the glaring holes in their desperate narrative.   Join us on KICK https://kick.com/stewpeters  

Sponsors:Intuit Accountants - http://uqb.promo/intuitLink My Books - http://uqb.promo/linkmybooksPilot - http://uqb.promo/pilot(00:00) - Follow the Money Setup (01:32) - Q4 Scoreboard and Guidance (02:47) - Customer Growth Slowing (03:22) - QuickBooks Free and Lite (05:11) - Moving Upmarket Fast (06:30) - Accountants Drive Enterprise (07:38) - Accountant Suite and Advisory (08:45) - AI Native and Oversight (10:16) - Money at the Center (11:34) - Desktop and Mailchimp Watch (13:17) - Next Four Quarters Checklist (15:07) - Three Practical Actions (16:15) - Closing and Royalwise Updates LINKSAlicia's Fall classes! Attend the live webinar or watch the recording on-demand, all with CPE. Become a member of the OWLS for free automatic enrollment into all courses:Customizing QBO: http://royl.ws/CustomizingQBO?affiliate=5393907AI in QBO: http://royl.ws/AI?affiliate=5393907Intuit Accountant Suite: http://royl.ws/IAS?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 

This week on The PetaPixel Podcast, the team stands firm in their belief that camera brands are misunderstanding the "smartphone generation" as they call it. Wish you could spend less time managing your photos and videos? Excire's award-winning software helps you instantly find any file, get organized, intuitively browse your catalog, and stay on top of culling! To get your Excire lifetime license or to download a 14-day free trial, visit https://www.excire.com/en/excire-foto/ PetaPixel viewers can receive 15% off their purchase with the special discount code PETAPIXEL.Now saving when you shop for your favorite gear at B&H Photo is even easier with the B&H Payboo Credit Card which lets you Save the Tax — you pay the tax, and B&H pays you back instantly! (Save the Tax on eligible purchases shipped to eligible states.) OR you can pay over time with our 6 & 12 month financing (on minimum purchases of $199 for 6 months, and $599 for 12 months). Terms apply, learn more at http://bhphoto.com/payboo. Credit card offers are subject to credit approval.Payboo Credit Card Accounts are issued by Comenity Capital BankCheck out PetaPixel Merch: store.petapixel.com/ We use Riverside to record The PetaPixel Podcast in our online recording studio.In This Episode:00:00 - Intro11:26 - A quick follow-up from last episode, all Pentax DSLRs are now discontinued, but a future is coming17:40 - Sigma turns 6519:29 - Fujifilm's Pal 2 camera is nothing like the original23:44 - Affinity's RAW photo processing just got way more robust25:46 - 54 lens caps had to be removed from Yellowstone's thermal vents this year28:35 - Lumix has a new 20mm f/2.530:32 - Ilford is releasing limited-edition film, for some reason36:02 - GoPro officially joined Micro Four Thirds38:05 - Camp Snap has entered its Minox era41:30 - Glass Imaging appears to have been acquired by OpenAI44:51 - Review round-up58:24 - Are we out of touch, or are the camera brands wrong? 1:08:18 - What have you been up to?1:11:45 - Tech support1:28:33 - Feel good story of the week

Thanks to our partners Promotive, WickedFile, Maverick Shop Owners, and OverdryveDo you actually know what you'll owe the IRS next spring, or are you just hoping it works out? And if your accountant has been extending your taxes for years, is that actually saving you anything?This week, Hunt Demarest, CPA with Paar Melis & Associates, kicks off a two-part series on taxes by tackling the piece most shop owners skip entirely: tax planning. Hunt draws the line between tax preparation (backward-looking, mandatory, and reactive) and tax planning (forward-looking, optional, and the thing that actually keeps you from getting blindsided). He walks through the exact five-minute math he uses to annualize a shop's net income from partial-year numbers, why extending your return "to lower audit risk" is a myth, and the personal-return landmines, like ACA marketplace credits and phased-out child tax credits, that catch shop owners off guard even when the business side looks fine.Whether you've never run a tax estimate in your life or you just want to sanity-check what your accountant is telling you, this episode gives you the framework to stop being surprised every April.What You'll Learn…(02:29) Why this isn't the tax-saving episode you expected(05:00) Tax prep vs. tax planning: it's about timing, not paperwork(05:53) The financial-analysis cycle behind every good tax plan(07:14) Why most shops never build a real tax plan(09:08) Busting the "extending lowers my audit risk" myth(09:57) When it's time to fire your accountant over extensions(11:30) The annual tax planning calendar Hunt runs for clients(15:04) How to annualize your own net income in five minutes(17:09) Red flags: when your numbers swing too high or too low(18:27) The 25% rule for ballparking what you'll owe(19:53) Kids, credits, and the ACA surprise that blindsides shop ownersThanks to our partner, PromotivePromotive has over 40 years of recruiting and automotive experience. If you need qualified technicians and service advisors and want to offload the heavy lifting, visit https://gopromotive.com/Thanks to our partner, WickedFileTurn chaos into clarity with WickedFile, the AI for auto repair shops. Transform invoices into insights, protect cash flow, and stop losing parts, cores, or credits to maximize your bottom line. visit https://info.wickedfile.com/Thanks to our partner, Maverick Shop OwnersYou're working on growing a more profitable shop - that's critical. That's exactly what the 24-video Blueprint course by Maverick Shop Owners addresses - customers, sales, profit, people, systems, and freedom. Get free access for our listeners only at https://maverickshopowners.com/blueprintThanks to our partner, OverdryveOverdryve is your AI-powered marketing operating system. It predicts slow weeks before they happen, automatically launches revenue-driving campaigns, tracks ROI down to the dollar, and optimizes performance in real time. Visit https://overdryvemarketing.com/Paar Melis and Associates – Accountants Specializing in Automotive RepairVisit us Online: www.paarmelis.comEmail Hunt: podcast@paarmelis.comGet the FREE 2026 Auto Shop Benchmark Report: https://hubs.ly/Q04j-grh0Download a Copy of My Books Here:Beyond the Bays: A Financial Playbook for Auto Repair Shop OwnersWrenches to Write-OffsYour Perfect Shop The Automotive Repair Podcast Network: https://automotiverepairpodcastnetwork.com/Download the ARPN APP for your smartphone and listen to all our network shows: arpn.appRemarkable Results Radio Podcast with Carm Capriotto: Advancing the Aftermarket by Facilitating Wisdom Through Story Telling and Open DiscussionAutomotive Field Theory with Matt Fanslow: From Diagnostics to Metallica and Mental Health, Matt Fanslow is Lifting the Hood on Life.The Weekly Blitz with Chris Cotton: Weekly Inspiration with Business Coach Chris Cotton from AutoFix - Auto Shop Coaching.Speak Up! Effective Communication with Craig O'Neill: Develop Interpersonal and Professional Communication Skills when Speaking to Audiences of Any Size.Business by the Numbers with Hunt Demarest: Understand the Numbers of Your Business with CPA Hunt Demarest.The Auto Repair Marketing Podcast with Kim and Brian Walker: Marketing Experts Brian & Kim Walker Work with Shop Owners to Take it to the Next Level.

Destiny Rezendes joins Stew to dig into Google Trends searches, Fort Huachuca, and the digital trail surrounding the Charlie Kirk assassination. They examine alleged connections, deleted search data, and the questions they say remain unanswered as the crowd-sourced investigation continues. J.D. Sharp joins Stew Peters to examine the growing questions surrounding Elizabeth Lane, her alleged connections to military and intelligence circles, and the Fort Huachuca searches tied to key figures in the Tyler Robinson case.   Jimmy Dore joins Stew to unpacks the reality of the political establishment and expose how both major parties serve the exact same oligarchic interests. They break down the truth behind the left-right paradigm and why standard voting won't fix a rigged system Join us on KICK https://kick.com/stewpeters  

   Four years after his death, COL (Ret) Anthony Johnson, MD, is still teaching. WarDocs is releasing again a 2021 interview recorded by his colleagues Gary Legault, MD, and Grant Justin while Johnson was living with stage 4 cancer, and his voice carries the same clarity, humor, and conviction that defined three decades in Army medicine. A cornea and refractive surgeon, Tony traces a path into medicine that began with a chance conversation during a third-year OB rotation and grew into a career spent perfecting the art of suturing. He credits mentors Doyle Stolte and George Waring for the technique he ultimately published in a textbook chapter, a knot-splicing method he adapted from a sailing manual called Ashley's Book of Knots, and he recalls the astonished phone call from cornea specialist Marilyn Mackiewicz after her own fellow used the technique successfully for the first time.      In 2003, Johnson deployed to Operation Iraqi Freedom as the only operating ophthalmologist for the 47th and 28th Combat Support Hospitals, performing more than 400 surgical procedures in theater, many of them alone, in an open-air combat support hospital, refining ruptured-globe repairs he would spend the rest of his career teaching to residents. He describes the chaos of the first Scud missile alarm, sleeping in a converted morgue for lack of space, and the 36 straight hours he spent operating after the bombing of United Nations headquarters in Baghdad sent eight ruptured globes into his care at once. A decade later, at a humanitarian mission in Burkina Faso, he ran into one of those patients entirely by chance, still able to see out of the eye he had rebuilt. Tony returned to Brooke Army Medical Center as a residency director and Chief of Ophthalmology, founded the Army's first Eye Trauma and Vision Restoration Research Unit, and spent his final working years teaching residents he came to think of as his own children. He reflects candidly here on marriage, faith, and fatherhood, and on receiving a terminal diagnosis with gratitude rather than regret. WarDocs is bringing this conversation back because the surgeons Johnson trained are still practicing today, and still teaching what he taught them. That is what a legacy actually looks like. Chapters (00:00-07:43) Becoming a Physician and Choosing Ophthalmology (07:43-16:41) A Mentor's Suturing Technique and the Road to Deployment (16:41-27:49) Deploying to Iraq: Chaos, a Vestibule Clinic, and the First Cases (27:49-32:58) The Only Ophthalmologist in Theater (32:58-44:15) The UN Bombing, 36 Hours of Surgery, and a Reunion Years Later (44:15-58:55) Legacy: Teaching, Fatherhood, Faith, and a Life Without Regret Chapter Summaries (00:00-07:43) Becoming a Physician and Choosing Ophthalmology Tony describes a childhood pull toward medicine, choosing West Point despite its two-percent medical school quota, and stumbling into ophthalmology during a third-year OB rotation when an ophthalmology technician talked up the specialty for hours. He credits the camaraderie of "cooperate and graduate" at West Point for shaping how he later led and mentored. (07:43-16:41) A Mentor's Suturing Technique and the Road to Deployment During his cornea fellowship, he learns a suturing philosophy built on speed and efficiency from his mentors, then invents a technique for splicing a broken running suture, borrowed from a sailing knots manual, that he publishes and that a leading cornea specialist adopts after seeing it work. (16:41-27:49) Deploying to Iraq: Chaos, a Vestibule Clinic, and the First Cases Tony recounts arriving in Kuwait as part of an eight-person eye surgical team, the confusion of the first scud missile alarm, and being reassigned solo to Iraq to support the 47th and 28th Combat Support Hospitals with the only ophthalmology equipment in theater. (27:49-32:58) The Only Ophthalmologist in Theater By the fall of 2003, attrition leaves him as the sole surviving member of his surgical team, and he becomes the only ophthalmologist treating eye trauma in the entire Iraq theater of operations for roughly six months. (32:58-44:15) The UN Bombing, 36 Hours of Surgery, and a Reunion Years Later He describes performing ruptured-globe surgery for 36 straight hours after the United Nations headquarters bombing in Baghdad, then, years later, unexpectedly reuniting with two of those patients an ocean apart, both still able to see. (44:15-58:55) Legacy: Teaching, Fatherhood, Faith, and a Life Without Regret He reflects on his return to Brooke Army Medical Center, building a teaching career and the Army's first Eye Trauma and Vision Restoration Research Unit, and closes with reflections on marriage, fatherhood, faith, and facing a terminal cancer diagnosis without regret. Take Home Messages Shared Struggle Builds Lasting Bonds: A demanding institution's culture of "cooperate and graduate" can turn competition into lifelong camaraderie. Helping classmates succeed, rather than outcompeting them, built a network of trust that paid off for decades afterward. The Right Conversation at the Right Moment Can Redirect a Career: A specialty that never appeared on a young clinician's radar can become a life's calling after a single unplanned conversation. Staying open during rotations, even ones that seem to have nothing to teach, leaves room for that moment to happen. Constraint Forces Mastery: Operating alone, with limited equipment, in an austere combat environment forced a level of technical self-sufficiency that no routine practice would have required. Real skill often gets built under exactly the conditions nobody would choose. A Career's Impact Outlives the Moment It Happened: Patients treated in the chaos of a mass-casualty event can resurface years and continents later, their outcomes intact. The full measure of a surgeon's work is often not visible until long after the operating room lights go off. Facing Mortality Can Sharpen Gratitude Instead of Regret: A grim prognosis did not produce bitterness but a clear-eyed inventory of a life spent on family, faith, and service. Looking back with no desire to change anything is itself a kind of victory. Episode Keywords Cornea Surgeon, Refractive Surgery, Brooke Army Medical Center, Ophthalmology Residency, Operation Iraqi Freedom, Combat Support Hospital, Ruptured Globe Repair, Military Medicine, West Point, Uniformed Services University, Eye Trauma Research, Suturing Technique, Humanitarian Mission, Burkina Faso, UN Bombing Baghdad, Army Colonel, Military Ophthalmologist, Mentorship in Medicine, Faith and Fatherhood, Legacy in Medicine #WarDocs, #MilitaryMedicine, #MilMed, #Ophthalmology, #CorneaSurgeon, #IraqWarVeteran, #ArmyMedicine, #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. 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Katrina Paglia, Chief Legal Officer at Pantera Capital, joined me to discuss what happens next after the CLARITY Act failed to advance in the Senate and how the SEC and CFTC could move crypto regulation forward through rulemaking.

Ana Escobar joins Stew to expose the shocking, unignorable data tying Elizabeth Lane directly to Fort Huachuca, foreign intelligence links, and the sinister orchestration surrounding the tragic events of September 10th. Tucker got fired, Stew got canceled, and Charlie got killed, what is the real connection behind it all? Stew expose the eerie truth about Blake Neff and the chilling patterns they tried to keep hidden from the American public. Join us on KICK https://kick.com/stewpeters  

This week we talk about lobbying, renewables, and the NRA.We also discuss implied threats, midterm elections, and political action committees.Recommended Book: Sunward by William AlexanderTranscriptFor much of the late 20th century and the first few decades of the 21st, one of the most feared interest groups in US politics was the National Rifle Association, the NRA.Its power came from a large and politically engaged membership, a mailing list, a grading system that reduced complicated voting records to a letter, and a reputation for ending political careers over specific votes.Once it attained that reputation, the NRA didn't have to defeat every politician it disagreed with. Members of Congress only had to believe it could defeat them, and that belief shaped races in which the group spent nothing; politicians went out of their way not to anger the NRA. Money can buy an advertisement or a meeting. What tends to change a vote is the expectation that one choice will be rewarded and another will carry consequences.The NRA's influence has declined following internal scandals, financial trouble, and the growth of well-funded gun-control groups. But its model remains potent: pick a few visible fights, and allow your reputation to do a lot of the work for you, in the future.In 2010, the Supreme Court's Citizens United decision, alongside a related appeals-court ruling later that year, helped create the modern super PAC: a political committee that can raise and spend unlimited sums advocating for or against candidates, so long as it does not coordinate that spending with their campaigns.This did not eliminate the effort and resources required to build influence, but it meant a few wealthy donors, a competent team, and some carefully selected races could establish a reputation in months rather than decades.In 2026, solar, wind, and batteries are projected to account for about 93% of new utility-scale electrical generating capacity added in the United States.That doesn't mean they provide 93% of the country's electricity—natural gas remains the largest source in the US—but these technologies are now the overwhelming majority of what the industry is building.Despite that growth, in 2025 Congress passed a law that sharply rolled back federal support for much of the clean-energy industry, and most of the politicians who voted for those rollbacks appeared to suffer no political consequences for doing so.What I'd like to talk about today is the effort to build a feared clean-energy lobby, how it has influenced a series of Republican primaries, and what its early successes do and do not tell us about the role of money in American politics.—The One Big Beautiful Bill Act, or OBBBA, was signed into law on July 4, 2025.For wind and solar projects, the new law generally ended production and investment tax credits for facilities placed in service after December 31, 2027, unless construction began within twelve months of the bill's enactment.That twelve-month window closed in July of 2026, and a subsequent executive order directed the Treasury Department to adopt a stricter definition of when construction actually begins, further clamping down on entities hoping to benefit from those now-defunct credits.Tax credits for electric vehicles and residential efficiency upgrades ended in 2025, while support for clean hydrogen was curtailed. Other technologies, including batteries, nuclear power, and geothermal energy, were treated differently, so it would be misleading to say the law eliminated every federal clean-energy incentive, though it did severely curtail a lot of renewables-oriented industries and construction in the US.Republicans have generally been more supportive of fossil-fuel production and more hostile to federal wind and solar subsidies, while Democrats have generally taken the opposite position. There are important regional exceptions, especially among Republicans whose districts have attracted manufacturing plants, wind farms, and other energy investments. Several Republican lawmakers have even written letters asking party leaders to preserve some of the credits, in part because projects and jobs in their districts depended on them. When the final vote arrived, though, nearly all congressional Republicans voted for the bill.Tom Matzzie, the founder of the retail electricity company CleanChoice Energy, previously worked for Democratic campaigns and served as the Washington director of the progressive organization MoveOn.org, so he was familiar with electoral campaigning as well as the energy industry. In the wake of the passing of the OBBBA, he posed a question to Canary Media, possibly alluding to the success of political interest groups like the NRA when he said, “Are we someone that people can hurt without consequences?”Matzzie recruited Chris Larsen, the billionaire co-founder of the blockchain company Ripple and an investor in clean energy, and Michael Brune, the former executive director of the Sierra Club, and together they formed the Invest in Tomorrow Coalition, or ITC, an acronym that also evokes the investment tax credit the group was organized, in part, to defend.Federal Election Commission records show that the coalition raised about $6.8 million during the first half of 2026. Larsen provided $6 million, while the organizers said they had assembled commitments of around $20 million and hoped to spend as much as $30 million during the election cycle. Matzzie called the group's candidate-targeting spreadsheet the “Revenge Tour Matrix,” which is an unusually candid name for a political document.The group's most interesting strategic decision, though, is arguably that its advertisements generally did not mention clean energy.When ITC opposed Texas Representative Chip Roy in the Republican runoff for state attorney general, its ads questioned Roy's loyalty to President Trump. When it opposed Tennessee Representative Andy Ogles, it created a website called Lyin' Andy that focused on his missed votes and a federal investigation into his campaign-finance reporting.The coalition openly identified its reason for entering these races, but its advertisements used whatever campaign research suggested would move primary voters, not what its donors wanted them to think about solar panels.This approach was especially well suited to Republican primaries, where relatively small electorates can be reached through a concentrated group of conservative television, social-media, and streaming outlets.In Ogles' race, for instance, the two campaigns had each spent roughly $600,000, while ITC spent around $2 million attacking Ogles and introducing voters to his challenger, Charlie Hatcher.The coalition describes its record so far as five wins in five races.In May, Roy lost the Texas attorney-general runoff by 10.4 percentage points.In June, Iowa Representative Mariannette Miller-Meeks, a Republican who had defended renewable-energy interests in Congress, survived her primary with help from ITC, including a $125,000 contribution.Later that month, South Carolina Representative Ralph Norman finished a distant third in the Republican primary for governor after the coalition opposed him.In August, Ogles lost his primary by more than six points despite an endorsement from Trump and more than $700,000 from the House Freedom Caucus' political fund.And in late August, Norman lost a second race, this time a Republican Senate primary, to Darline Graham, the sister of the late Senator Lindsey Graham. ITC spent about $1 million in that contest, which Norman lost by five points.The reactions from Norman and Ogles were almost as useful to the group as the election results.Norman blamed outside political spending in his concession speech, while Ogles, before his loss, said the coalition was attempting to make an example of him and that could have a chilling effect on other conservatives in Congress.Those statements do not prove ITC caused either defeat. But they do advertise the consequence the organization wants other politicians to anticipate; come after clean energy investment and they'll come after you.This strategy is notable because it separates political deterrence from public persuasion.It does not need Republican primary voters to become enthusiastic about solar tax credits. It just needs politicians to believe that aggressively attacking solar companies could make their next primary more difficult.The ads questioning Roy's loyalty to Trump are probably the clearest version of this distinction. The message voters received and the policy outcome the donors wanted were almost entirely unrelated, and that was intentional.It's worth mentioning here that the power of a wealthy individual to shape a low-turnout primary does not become less concerning because the spending supports a technology someone likes. The same rules are available to fossil-fuel companies, cryptocurrency investors, labor unions, and ideological groups of all kinds.That said, Ogles entered his primary with several liabilities unrelated to energy policy, including controversial public comments, questions about his finances, and a district whose boundaries had changed. Darline Graham had Trump's support in her race against Norman.In Texas, the coalition's roughly $1.7 million in spending was substantial, but the winning campaign spent nearly $25 million and Roy's campaign spent around $12 million. Roy dismissed the coalition's influence and said he would take the same positions again.Matzzie's response to all this is, more or less, that proof of causation is unnecessary: if lawmakers believe the coalition can hurt them, the deterrent works.That may be true, but it makes the group's claim difficult to test. The measurable outcome is that five races ended the way the group preferred, but it's currently unknown, and maybe unknowable, how much responsibility the group can claim for those victories.An analysis highlighted by Yale Climate Connections estimated that fossil-fuel interests spent about $219 million supporting candidates in the 2024 election cycle, with roughly 88% of that spending benefiting Republicans. The oil and gas industry also spent more than $150 million lobbying the federal government that year.What the coalition may have demonstrated is that a relatively modest sum, precisely applied in low-turnout elections with inexpensive media markets, can attract attention far beyond the size of the investment. That is as much a finding about the vulnerability of primary elections as it is about the political strength of clean energy.Now all that said, the renewable energy industry itself is divided over whether this is a useful approach.Tim Pawlenty, the former Republican governor of Minnesota who now leads the Solar Energy Industries Association, has said his organization's job is to make more friends rather than more enemies—an arguably rational position for a trade group that needs access to both parties.Steve McBee, meanwhile, launched an organization called Amped to encourage clean-energy professionals to engage more visibly in politics, arguing that a major infrastructure industry, and one that's growing in scale by the year, still behaves as if it were a marginal alternative, and that needs to change.These approaches can of course coexist, but there is a tension between building a coalition and threatening to make an example of anyone who doesn't fall into line, and each tactic can make the other more difficult.The coalition's first announced Democratic target was Rhode Island Governor Dan McKee, who blamed some of the state's electricity-price problems on clean-energy policies and proposed delaying its renewable-energy target while reducing funding for efficiency programs.ITC committed about $500,000 to oppose him in the September 9 primary. Targeting a Democrat helps establish that it is enforcing an industry position rather than functioning as another Democratic-aligned group. And that investment may have paid off: former CVS executive Helena Foulkes beat McKee on September 9's runoff, with around 62% to McKee's 38%—not even close.This wasn't a clean experiment, though. McKee was already trailing Foulkes by a wide margin, and his standing had been damaged by controversies unrelated to energy, including the prolonged closure of a major bridge.The next test will be whether the approach works outside primaries. General elections have larger, less ideologically uniform electorates, more expensive advertising, and more competing messages. Matzzie has not offered much detail about the coalition's plans, and a tactic that works in a small primary may not scale in November.The midterm elections on November 3 will clarify what this produces at the federal level, but deterrence and legislation are different things. Roy and Norman were running for offices outside the House, while Hatcher was not a wind-and-solar champion. Replacing an outspoken opponent may help the industry, but it does not produce the votes required to restore a tax credit.The protected begin-construction window for many wind and solar projects closed in July, and the placed-in-service deadline arrives at the end of 2027. Congress could change those dates, but doing so would require legislation that can pass both chambers and receive a presidential signature; a different electoral environment could make that more plausible, but would not make it automatic.There's also a risk that a campaign built around retaliation will make clean energy more firmly associated with one political party, even as the industry expands through many Republican districts and states.Targeting McKee complicates that interpretation, and supporting Miller-Meeks shows a willingness to reward a Republican ally. Still, most targets have been Republicans because most recent federal opposition to wind and solar support has come from Republicans.That is a current political fact, but it's not necessarily a permanent alignment. And clean energy companies would no doubt love to get both parties on side, rather than contributing to a further divide, in which one party forever opposes the sorts of projects they're trying to support.Thinking back to previous examples of how these sorts of things have played out, the NRA's influence was never just a function of how much it spent. It came from a reputation, constructed one race at a time, that even influenced politicians who never personally faced its advertisements and spending.The Invest in Tomorrow Coalition is attempting to compress that process into a single election cycle, using a campaign-finance tool that did not exist in its current form when the NRA first built its power.Five primaries in, the outlines of that reputation are visible, but its ability to changes votes in Congress, survive a loss, and work with a broader electorate will tell us whether this is the beginning of a durable clean-energy lobby, or just an unusually effective run of well-selected races.Show Noteshttps://www.canarymedia.com/articles/politics/super-pac-crushing-clean-energy-foeshttps://www.canarymedia.com/articles/politics/clean-energy-super-pac-looks-to-take-down-a-democratic-governorhttps://insideclimatenews.org/news/29082026/super-pac-targets-conservatives-against-clean-energy/https://www.eenews.net/articles/emboldened-clean-energy-donors-eye-big-campaign-spending/https://newrepublic.com/post/214762/green-energy-group-pick-off-republican-candidateshttps://www.foxnews.com/politics/top-trump-ally-warns-super-pac-bankrolled-dem-billionaire-meddling-gop-primaryhttps://www.steptoe.com/en/news-publications/the-one-big-beautiful-bill-impact-on-the-iras-clean-energy-tax-credits.htmlhttps://bipartisanpolicy.org/explainer/2025-reconciliation-debate-one-big-beautiful-bill-act-energy-provisions/https://seia.org/research-resources/clean-energy-provisions-big-beautiful-bill/https://www.canarymedia.com/articles/clean-energy/chart-us-overwhelmingly-build-clean-powerhttps://www.fec.gov/data/committee/C00936997/https://www.fec.gov/legal-resources/court-cases/speechnoworg-v-fec/https://www.fec.gov/help-candidates-and-committees/candidate-taking-receipts/understanding-independent-expenditures/https://www.brennancenter.org/our-work/research-reports/citizens-united-explainedhttps://yaleclimateconnections.org/2025/01/the-fossil-fuel-industry-spent-219-million-to-elect-the-new-u-s-government/https://www.opensecrets.org/federal-lobbying/industries/summary?cycle=2024&id=e01https://www.amped.org/https://www.nytimes.com/interactive/2026/09/09/us/elections/results-rhode-island-governor-primary.html This is a public episode. 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