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Speaker 1: Got an email from a former news reporter in the

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Speaker 1: Greater Houston community. I don't want to give out this

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Speaker 1: person's sex or name which would identify them, because I

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Speaker 1: don't think their career is entirely over in media per se,

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Speaker 1: and I'll leave it there. I had very good relations

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Speaker 1: with members of the media from when I started running.

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Speaker 1: My first election was my election where I first got

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Speaker 1: elected was November of one. I started running just after

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Speaker 1: the elections of ninety nine, so two years there and

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Speaker 1: then six years in office. And after that I was

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Speaker 1: full time at KTRH doing a show actually it was

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Speaker 1: KPRC at the time, and running the three AM stations,

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Speaker 1: and so I worked a lot with those reporters for

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Speaker 1: almost ten years. After I left politics, I had some

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Speaker 1: great relationships with the folks who were in local news.

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Speaker 1: It's why I often argue when someone will attempt to

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Speaker 1: paint with too broad a brush that media is all

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Speaker 1: left when TV media is all left wing, and I

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Speaker 1: have said repeatedly many people don't agree with me, not

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Speaker 1: the local media. There are some, but most of the

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Speaker 1: folks in the Houston media, at least during the time

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Speaker 1: up until a few years ago, when I've kind of

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Speaker 1: fallen out of touch. It's a whole new crop now.

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Speaker 1: Most of the folks that were there when I was

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Speaker 1: there stayed a long time. There were some real stalwarts

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Speaker 1: who were there for a very long time, and I

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Speaker 1: didn't find them to be particularly partisan. I found them

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Speaker 1: to be open minded, truth seekers, honest storytellers, and that's

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Speaker 1: the truth. There were a few exceptions, but mostly that

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Speaker 1: was the truth. So anyway, this individual would have fit

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Speaker 1: into that. And this person said, Zora, I was listening

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Speaker 1: to your show yesterday and the remarks you made at

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Speaker 1: the end of your first segment hit home for me.

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Speaker 1: You were talking about the way the news media approached

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Speaker 1: the victims of the Texas floods, holding them at their homes.

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Speaker 1: I started hounding them at their homes just to get

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Speaker 1: a story. That's one of the reasons I left the

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Speaker 1: TV news industry. After quite some time of waking up

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Speaker 1: at three am to hit the streets as a TV

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Speaker 1: morning news beat reporter, I had enough of asking families

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Speaker 1: how they felt on possibly the worst day of their lives.

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Speaker 1: Towards the end of my daily newsbeat career, I remember

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Speaker 1: getting into an argument with a photographer because I didn't

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Speaker 1: want to chase kids down on their way to classes

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Speaker 1: at a high school after one of their friends died

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Speaker 1: overnight in a tragic car crash. He said, go out

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Speaker 1: there and get the sound bite. Everybody else is doing it.

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Speaker 1: At that point, I dreaded going into work every morning,

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Speaker 1: and I knew it was time to go. One of

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Speaker 1: my last stories involved a morbidly obese man who had

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Speaker 1: died in his home overnight. Firefighters called for a heavy

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Speaker 1: forklift to get his body out of the home and

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Speaker 1: had to carve a hole in the side of the place.

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Speaker 1: I got out there, the family was rightfully living with

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Speaker 1: us and asked us to leave. We were the only

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Speaker 1: ones on the scene. I told the station, this is

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Speaker 1: not a story. The producer disagreed. They sent the helicopter

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Speaker 1: to get shots overhead for the five am live shot.

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Speaker 1: I feel your frustration. Keep fighting the good fight. So

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Speaker 1: if you have been unfortunate enough to have a tragedy

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Speaker 1: happen in your life, it's one thing when you have

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Speaker 1: an ailing parent, and death is almost a blessing for

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Speaker 1: them and for you. I never understood that when I

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Speaker 1: was younger. Forgive me for repeating my stories, but it's

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Speaker 1: still fresh and we're all. My mother called me and

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Speaker 1: she she called my wife and said, can you and

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Speaker 1: Michael come up to the hospital tonight. And it was

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Speaker 1: already nine o'clock and maybe later, and she was in

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Speaker 1: the med center and my wife said, Mom will be there.

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Speaker 1: Are you okay? And she said, yeah, I'm fine. I

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Speaker 1: need you'll to come up here. Well, I'd already talked

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Speaker 1: to her doctor, a wonderful, wonderful lung doctor by the

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Speaker 1: name of Tim Conley. He was referred to me by

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Speaker 1: Stan Dukeman, my dear friend and cardiologist, and I had

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Speaker 1: checked around and there were several other doctors who said,

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Speaker 1: there are several good pulmonologists in town, but Tim Conley

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Speaker 1: is going to be in everybody's top three. Yeah, he's

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Speaker 1: You're good with him. He was so loving and tender

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Speaker 1: and caring for my mother and just wonderful to her.

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Speaker 1: She said, you know, Michael, I'm so grateful. These people

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Speaker 1: make me feel like a queen. And mind you, she's

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Speaker 1: in a lot of pain at this point. But my

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Speaker 1: mother loved to be fussed over. I guess that's where

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Speaker 1: I get it. And she loved coming to the Houston

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Speaker 1: Hospitals because I would have all my doctors treating her,

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Speaker 1: and they come by there. Dukeman would come by and

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Speaker 1: say he was bringing her a wedding ring the next day.

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Speaker 1: I mean, he just really ham it up, and she

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Speaker 1: loved it. It's a good looking guy, and she just

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Speaker 1: loved the attention and it distracted her from all the

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Speaker 1: pain and suffering she was going through. And she called

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Speaker 1: us up there and she said, I don't want any

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Speaker 1: more treatments. I want to go home. I'm done. I'm

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Speaker 1: going to peel off. I don't want this journey anymore.

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Speaker 1: I want to go home. I'm discontinuing the treatments. I

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Speaker 1: can't I can't do this anymore. Well, she didn't know,

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Speaker 1: but I had been called that evening at about seven thirty,

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Speaker 1: actually was right after seven, because he waited till the

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Speaker 1: show was over by Tim Conley, and he said, I

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Speaker 1: just want you to know how tough your mom is.

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Speaker 1: And I said, well, I know she's made of ruddy stock,

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Speaker 1: a German peasant stock. She is tough. And he said, well,

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Speaker 1: let me tell you what happened. We had to go

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Speaker 1: in with this very long needle. It's excruciatingly painful and

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Speaker 1: I hate doing this procedure, but we needed to do it.

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Speaker 1: We had to do it three times. Wow, and your

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Speaker 1: mom took it. So I can't remember why I started

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Speaker 1: that story. Oh I owned, Yeah, I know where that's going.

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Speaker 1: Hold on. One fellow emailed and said, Yep, the media

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Speaker 1: just loves the dirty laundry. You know, when you go

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Speaker 1: into a burger joint, the person who owns that burger

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Speaker 1: joint does not necessarily love burgers. They may love customer service,

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Speaker 1: they may love the engagement. They almost certainly love the

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Speaker 1: ability to pay their own bills because you buy burgers

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Speaker 1: for more than it cost them to make them. They're

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Speaker 1: not serving burgers because they love burgers. They're serving burgers

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Speaker 1: because you buy burgers. Members of the media may or

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Speaker 1: may not love the chase. They may or may not

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Speaker 1: love stepping on people's toes, invading their private moment, airing

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Speaker 1: their dirty laundry, giving them no space to grieve. They

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Speaker 1: may or may not enjoy. That process doesn't really matter,

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Speaker 1: because the public does. And if you don't believe me,

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Speaker 1: notice how much time you spend watching it. Notice how

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Speaker 1: much time the reason they show you the school shootings

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Speaker 1: and these floodings, and they stay on the visual of it.

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Speaker 1: Even during a press commerce still got to see that

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Speaker 1: awful visual. So economics uses the term utility instead of enjoyment.

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Speaker 1: People will say, no, oh, Michael, I don't like that.

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Speaker 1: You may not like may not like it, but you

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Speaker 1: find utility in it. Most heroin addicts won't tell you

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Speaker 1: they love heroin. In fact, they hate heroin. It has

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Speaker 1: destroyed their lives, but they are addicted to it. They

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Speaker 1: cannot put it down. So in that sense, they would

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Speaker 1: tell you that Heroin's horrible and they hate it, and

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Speaker 1: ten minutes later they'd sell their child to get another

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Speaker 1: hit if people stop following it. Years ago, it's been

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Speaker 1: over fifteen. I said I'm not going to cover school shootings.

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Speaker 1: And I had a program director in a small market

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Speaker 1: called the show, say five point thirty, Michael going to

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Speaker 1: talk about this school shooting. Now, mind you, this station,

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Speaker 1: which interesting love, interestingly enough, is still in our stable

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Speaker 1: of sixty something stations. That program director is not. But

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Speaker 1: that program director called barked in Ramon's ear, is Michael

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Speaker 1: going to cover the school shooting? And without revealing which

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Speaker 1: station it was. The school shooting was five six, seven, eight,

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Speaker 1: nine states away from this. It's not like it was

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Speaker 1: in that community, right, it's not like dear in Kerville

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Speaker 1: and the floods have just happened. And he said, no,

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Speaker 1: he doesn't do breaking news and he certainly doesn't do

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Speaker 1: mass disasters in real time. What. Yeah, that's the policy.

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Speaker 1: He says it on the air. He's very clear he

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Speaker 1: doesn't want this hat, he doesn't want this phone call.

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Speaker 1: That's ridiculous. We are a news talk station. I understand

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Speaker 1: he's the talk part. You're the news part. Have a

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Speaker 1: news reporter report on it. But people want to hear

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Speaker 1: him talk about it. No, they don't. He never ever

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Speaker 1: has anyone say, how come you're not talking about the

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Speaker 1: school shooting. Ever, we might bring up after the fact

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Speaker 1: failings in their response, failings to identify the shooter. Well

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Speaker 1: that's never the case, failings having identified the shooter to

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Speaker 1: deal with them, because the FBI always knows these people.

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Speaker 1: They always know these people. They were on their radar,

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Speaker 1: that's the line. They were on their radar. They went

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Speaker 1: to their house, they talked to them. They were aware

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Speaker 1: of their positions, they were aware of their violent past,

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Speaker 1: they were aware of their intentions. Don't do anything about it.

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Speaker 1: So as long as we crave this crap. We will

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Speaker 1: get more of it. And God help you when you're

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Speaker 1: the person in the crosshairs of an enterprising reporter, determined

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Speaker 1: to throw onto the screen that which will further their

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Speaker 1: career without regard to your emotions. It makes me so

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Speaker 1: mad when I will see a picture on a ski

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Speaker 1: green somewhere, you can go back and look at all

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Speaker 1: of them, look at so many of them of a

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Speaker 1: person grieving, a mother grieving as she's walking into the school,

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Speaker 1: and you know there's somebody on both sides of her

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Speaker 1: and her her face, her head is bobbing and her

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Speaker 1: face is sort of down, and maybe her hands are

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Speaker 1: slapping her face or holding her face, and her body

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Speaker 1: is convulsing. It's it's a deep, deep form of grief

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Speaker 1: and shock and reaction and anger and nausea. And they

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Speaker 1: just lock in on that, and the newspapers will take

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Speaker 1: that and put it to top of the after nine

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Speaker 1: to eleven, those were the photos we saw. Interesting thing happened.

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Speaker 1: There's a great article. I believe it's in the New Yorker.

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Speaker 1: I'll give it to Kunda or maybe he can find it.

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Speaker 1: And it was called I think it was called the

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Speaker 1: Jumper and there was a guy who jumped out of

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Speaker 1: a skyscraper during eleven, out of one of the twin towers,

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Speaker 1: and they were trying to figure out who he was

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Speaker 1: because you know, photograph is not perfect. It turns out

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Speaker 1: he was one of the chefs at the restaurant at

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Speaker 1: the top of the building and he had jumped, and

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Speaker 1: people became obsessed with these jumpers. Something interesting happened. The

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Speaker 1: major networks decided that they would stop airing footage of

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Speaker 1: the people jumping because their own staffs, they were headquartered

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Speaker 1: in New York, their own staffs all had a connection

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Speaker 1: to the nine to eleven disaster, and they said they

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Speaker 1: didn't want to see one of their family members. They

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Speaker 1: didn't want to on their network. They didn't want to

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Speaker 1: see somebody jumping that was one of their family members.

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Speaker 1: Isn't that interesting? So what that means is as long

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Speaker 1: as the people jumping out of a out of a

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Speaker 1: high rise to their death their families at home or watching,

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Speaker 1: as long as they're in Sioux City, Iowa, or Topeka, Kansas,

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Speaker 1: or Gloucester, Mississippi, that's fine. But we don't personally want

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Speaker 1: to suffer that fate. Isn't it interesting? If it was

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Speaker 1: good enough for Denim Springs, Louisiana, that's good enough for you.

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Speaker 1: Watch the TV, what's your loved one jump to their death?

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Speaker 1: Because that's the attitude you've had about every other family.

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Speaker 1: One of the most frustrating things I find is people

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Speaker 1: who base their support or opposition for government policy based

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Speaker 1: on whether that affects their own vice, their own habit,

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Speaker 1: their own investment. So if they don't do they don't

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Speaker 1: use THC products, They don't care if the mulla's in Austin.

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Speaker 1: You know, if the ayatola takes away your ability to

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Speaker 1: do it, don't take away their ability to play bingo,

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Speaker 1: because they'd no, no, take it all the way I

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Speaker 1: realized where I diverged in a wood, when I took

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Speaker 1: the one less traveled by. I was talking about my

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Speaker 1: mother's illness to say, you reach it. You reach a

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Speaker 1: certain age when you say things like this, And as

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Speaker 1: a young person, you'd never find yourself saying this, and

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Speaker 1: you would think ill of people who did. But my

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Speaker 1: mother's passing was a blessing or her. She was ready,

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Speaker 1: she made the decision. She was suffering terribly horribly. When

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Speaker 1: doctor Conley, the lung doctor, called me. He said, I'm

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Speaker 1: going to be completely honest with you. After complimenting my

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Speaker 1: mother's strength and toughness, which was true. He wasn't making

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Speaker 1: that up. She's a very very tough lady, extraordinarily tough lady.

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Speaker 1: And when he said, your mother has gone through more

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Speaker 1: today than most people will go through in years, we

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Speaker 1: had to stick her three times. It was awful, but

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Speaker 1: we made the decision jointly that while we had her prep,

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Speaker 1: let's do this, let's get it right. Her body is

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Speaker 1: failing her horribly, which was what part of the big

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Speaker 1: problem was. She tolerated the pain. Michael. She is so strong,

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Speaker 1: I said, I appreciate you telling me that. I'm not surprised.

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Speaker 1: I'm happy when someone tells me my kids are respectful.

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Speaker 1: But you don't have to say it twice. I know

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Speaker 1: it because I know how they are, I know how

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Speaker 1: their mother has raised them, I know their character. I

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Speaker 1: expect that to be the guest. I still love to

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Speaker 1: hear it. I expect it to be the guest, so

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Speaker 1: he said. So I thought, well, I'll go in tomorrow

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Speaker 1: after the show at noon, and you know, we'll talk

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Speaker 1: about it and see how she's feeling. But when she

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Speaker 1: tells me how bad it was yesterday. I will know

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Speaker 1: based on her own doctor's estimation, that she went through

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Speaker 1: a living hell yesterday. So when I get to call

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Speaker 1: that night and I go up there and she says,

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Speaker 1: I'm ready to go home, ready to die. She said,

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Speaker 1: are you okay with that? I said, I absolutely am.

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Speaker 1: You have been suffering. This is your decision. I'm not one.

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Speaker 1: I didn't raise my kids that way. I'm not burying

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Speaker 1: my parents that way. It's your decision. You have agency.

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Speaker 1: You get to decide if you don't want to take

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Speaker 1: further treatment, that's fine, okay, that is oddly enough. That

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Speaker 1: is a process of bereavement, processing grief. I always say

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Speaker 1: there's two ways to die. You can either die quickly

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Speaker 1: and leave everyone else miserable, or you can die slow

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Speaker 1: and make it easy for everyone else and you be miserable.

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Speaker 1: Those are your options. You don't always get to choose.

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Speaker 1: So we got to say goodbye. I left nothing unsaid.

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Speaker 1: There's nothing that I need to tell my mother that

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Speaker 1: I didn't tell my mother, and I didn't wait until

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Speaker 1: that night. But that night we had a good heart

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Speaker 1: to heart and we talked it all through. We planned

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Speaker 1: her funeral. We did everything, We left nothing unsaid. She

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Speaker 1: told me what she wanted done with my dad. Everything

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Speaker 1: related to everything. But when you lose someone tragically, especially

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Speaker 1: a child, I mean some major component of the grief

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Speaker 1: is that there's so much undone. You know, Like if

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Speaker 1: you had to walk out of your house tomorrow and

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Speaker 1: never go back and you didn't have time to plan,

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Speaker 1: you'd say, but, but, but but but I didn't even

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Speaker 1: make the bed, I left the pillow on the floor.

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Speaker 1: I uh, I gotta No, you never get to go

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Speaker 1: back there again. We cannot go back in that house

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Speaker 1: ever again. But I needed I got my gun. Clian. No,

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Speaker 1: you can never go back there again. There would be

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Speaker 1: a process of separation, maybe not grief, but separation, anxiety,

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Speaker 1: frustration because things were left undone. Thing You've now been

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Speaker 1: separated from the emotion of this loved one. So how

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Speaker 1: do you justify putting a camera in front of that

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Speaker 1: person who doesn't want to speak. They've not called a

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Speaker 1: press release a press conference. I told you about the

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Speaker 1: family that on the west side, in one of the villages,

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Speaker 1: that they have their own police department over there and

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Speaker 1: they have been cycling officers through to keep the media off.

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Speaker 1: Keep the media out of those people's lives. I mean,

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Speaker 1: can you imagine. I had a number of conversations with

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Speaker 1: people who were mutual friends with the parents of some

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Speaker 1: of the little girls who passed, and I said, I

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Speaker 1: want to stay this very clearly. I'm not asking for

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Speaker 1: an on air discussion. I'm certainly not pushing for it.

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Speaker 1: But if they want an outlet where they can share

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Speaker 1: whatever they want to share, just let them know. Whenever

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Speaker 1: that is, I'm here and I won't ask munch of questions.

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Speaker 1: It will simply be their opportunity to say publicly, on

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Speaker 1: their terms whatever they want to say. If that moment

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Speaker 1: comes and friends of mine would say, well, I'll check

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Speaker 1: with him, and I would say no, no, no, no, no,

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Speaker 1: They're getting enough of that. I just want you to

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Speaker 1: work it into conversation that they have in their back pocket.

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Speaker 1: And it might not be tomorrow, it might be a

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Speaker 1: month from now, it might be a year from now.

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Speaker 1: Just know that if they want that opportunity, it's not

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Speaker 1: a ratings boost. None of the money I make or

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Speaker 1: the success I have is based on ratings. I don't

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Speaker 1: chase ratings. It's not what I need. I don't need

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Speaker 1: the big exclusive interview. I don't need that moment. We

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Speaker 1: tell stories. That's what we do, That's what our show is.

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Speaker 1: We tell stories. Some of them meander, some of them

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Speaker 1: are pointless, some of them contradict themselves. I understand that.

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Speaker 1: But we tell stories, and it's a story. It's a

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Speaker 1: story that we all can learn from, to hear from

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Speaker 1: those parents. And so I just don't understand how you

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Speaker 1: live with yourself harassing these people in this manner. I

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Speaker 1: just I don't understand it very quickly. The One Big

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Speaker 1: Beautiful Bill. One of the things in there that will

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Speaker 1: help a lot of folks, and you may be one

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Speaker 1: of them, is the ability and it probably will help

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Speaker 1: our friends at lone Star Chevy Mike batchis at Eldridge

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Speaker 1: in two ninety. Is that and it'll probably help the

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Speaker 1: Carpro too, because Carpro helps people no matter what kind

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Speaker 1: of car you're buying. Com they have the person waiting

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Speaker 1: at the lot when you get there to help you.

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Speaker 1: So you're not going to buy a car and you

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Speaker 1: can't find somebody there, so you can write off your

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Speaker 1: car Loan interest with the One Big Beautiful Bill. But

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Speaker 1: let me give you some of the details. Maximum deduction

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Speaker 1: of ten thousand dollars for auto loan interest. That's an

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Speaker 1: interest paid per year on a loan that is qualifying.

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Speaker 1: There are some stipulations here. Don't just go run out

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Speaker 1: and buy a car without knowing all this. You don't

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Speaker 1: have to itemize your deductions. You can take the standard

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Speaker 1: deduction along with this deduction makes it a lot easier.

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Speaker 1: People don't want to itemize anymore. You have to qualify

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Speaker 1: as an individual. Your vehicle and loan have to qualify.

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Speaker 1: You get the full ten thousand dollars deduction up to

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Speaker 1: you making one hundred thousand dollars single or two hundred

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Speaker 1: thousand dollars married. The deduction is phased out after one

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Speaker 1: hundred thousand. You can still get some of it by

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Speaker 1: two hundred dollars for every thousand dollars over the limit.

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Speaker 1: If you're quick with math, you know that if you

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Speaker 1: make up to one fifty single and two fifty married

348
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Speaker 1: at that point, you get none of the deduction. The

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Speaker 1: loan has to begin January first of twenty twenty sixth

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Speaker 1: he goes through the end of twenty twenty eight. You

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Speaker 1: can do a refi, but not for more than the

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Speaker 1: original value. A couple other things. I'll go over these.

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Speaker 1: So back to the car loan interest being deductible. You

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Speaker 1: have to qualify. Your car has to qualify. The loan

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Speaker 1: has to qualify. By the way, don't take tax advice

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Speaker 1: from the guy on the radio. I'm just telling you

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Speaker 1: to go talk to your CPA about this. If you

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Speaker 1: need a good CPA, whether it's for your personal taxes,

359
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Speaker 1: I'll send you to the guy that took care Ofbin

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Speaker 1: for thirty years. Or if you are a business or

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Speaker 1: a high networth individual, I'll send you to de Roche

362
00:23:07,280 --> 00:23:11,199
Speaker 1: because you need more people working on your file. But

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Speaker 1: either way, in fact, most anything you ever need a

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Speaker 1: referral on if you send me an email. Even if

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Speaker 1: I don't have a show sponsor who does that, I

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Speaker 1: spend a lot of time. If you've got some weird

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Speaker 1: medical malady and I don't have a show sponsor who

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Speaker 1: handles that, I will generally kind of triangulate between three

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Speaker 1: different doctors that I trust and ask each one for

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Speaker 1: a referral. And if somebody pops up on two of

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Speaker 1: the three, and sometimes it's all three, then that's who

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Speaker 1: I will refer you to. I can't always find you something,

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Speaker 1: but that's true in finance, medicine, home improvement, schools, automobiles,

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Speaker 1: most everything else. I love to send you to my

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Speaker 1: show sponsors. But even if I don't have a show

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Speaker 1: sponsor in that field where I can, I will track

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Speaker 1: you down somebody and I will make the connection. And

378
00:24:02,520 --> 00:24:06,840
Speaker 1: sounds arrogant, but it happens to be true, As Darryl k.

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Speaker 1: Royle said, it ain't bragging. If it's true, those people

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Speaker 1: typically want us to send them more business. So they

381
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Speaker 1: want to take really, really, really good care of you.

382
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Speaker 1: So as an individual, you have to qualify, which means

383
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Speaker 1: you can make up to one hundred thousand single two

384
00:24:21,680 --> 00:24:24,439
Speaker 1: hundred thousand married, but you don't lose it. If you

385
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Speaker 1: make one hundred and ten thousand, you begin to lose

386
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Speaker 1: two hundred dollars of the deduction for every thousand dollars

387
00:24:32,359 --> 00:24:37,159
Speaker 1: you make over one hundred thousand, So fifty thousand times

388
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Speaker 1: two hundred means that at one hundred and fifty thousand,

389
00:24:39,880 --> 00:24:43,040
Speaker 1: you can no longer take any of the deduction. That's

390
00:24:43,080 --> 00:24:48,680
Speaker 1: if you're filing single two fifty. If you're filing married jointly,

391
00:24:49,440 --> 00:24:53,480
Speaker 1: the qualifying auto loan it has to be a new loan,

392
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Speaker 1: not a new car, as I understand it, I'm confirming

393
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Speaker 1: that has to have two wheels, no motorcycles. It has

394
00:25:01,720 --> 00:25:05,040
Speaker 1: to be made for a public road use. So it

395
00:25:05,040 --> 00:25:07,960
Speaker 1: can't be an off road. It can't be an ATV.

396
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Speaker 1: It can't be a trailer, it can't be a camper.

397
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Speaker 1: It has to weigh under fourteen thousand pounds. Now, some

398
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Speaker 1: of you think in terms of how much a car

399
00:25:17,119 --> 00:25:21,679
Speaker 1: truck weighs. I don't, So that's going to disqualify some automobile.

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Speaker 1: I don't know which those are, so you can figure

401
00:25:23,400 --> 00:25:27,720
Speaker 1: that out yourself. You have to take the loan beginning

402
00:25:27,800 --> 00:25:37,000
Speaker 1: January first of twenty twenty five. Oh wait, I wrote

403
00:25:37,040 --> 00:25:40,840
Speaker 1: that down wrong. The loan must be incurred after December

404
00:25:40,960 --> 00:25:44,040
Speaker 1: thirty first, twenty twenty four, or not before. That would

405
00:25:44,080 --> 00:25:46,119
Speaker 1: mean you'd be able to write off loans that you

406
00:25:46,200 --> 00:25:50,440
Speaker 1: took this year. So even if you financed a new

407
00:25:50,800 --> 00:25:53,840
Speaker 1: car in December of twenty December fifteen, twenty four, you

408
00:25:53,880 --> 00:25:57,280
Speaker 1: cannot deduct the interest. The vehicle also must be for

409
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Speaker 1: personal use only, so no commercial vehicle, so no fleet sales,

410
00:26:02,520 --> 00:26:06,800
Speaker 1: no bulk buying, no lease financing. It only applies to

411
00:26:06,880 --> 00:26:12,320
Speaker 1: purchases not leases, and no salvage titles. So that's I

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Speaker 1: believe that's cars that have been totaled, and you know,

413
00:26:15,640 --> 00:26:17,439
Speaker 1: the people that buy cars have been totally doesn't mean

414
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Speaker 1: that they can't be driven or used, and the final

415
00:26:21,600 --> 00:26:25,240
Speaker 1: assembly of the car must take place in the United States.

416
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Speaker 1: And it's expected that the IRS will release a list

417
00:26:33,080 --> 00:26:36,359
Speaker 1: of vehicles that qualified, just that's what they did with

418
00:26:36,440 --> 00:26:40,360
Speaker 1: electric vehicles. So when people wanted to get the electric

419
00:26:40,480 --> 00:26:44,080
Speaker 1: vehicles subsidy, there are cars that are hybrids. There are

420
00:26:44,119 --> 00:26:47,600
Speaker 1: cars that you weren't sure if they would qualify, and

421
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Speaker 1: that affected your decision because I think it was seventy

422
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Speaker 1: five hundred bucks. So they released it a list, they

423
00:26:53,040 --> 00:26:55,840
Speaker 1: released it. They released a list said if you're one

424
00:26:55,840 --> 00:26:59,640
Speaker 1: of these vehicles, then you can you can get the deduction.

425
00:27:00,240 --> 00:27:03,200
Speaker 1: By the way, I'm sure you know this by now,

426
00:27:03,680 --> 00:27:08,800
Speaker 1: but the no tax on tips is not literally no

427
00:27:08,920 --> 00:27:12,200
Speaker 1: tax on tips. It is a deduction. The no tax

428
00:27:12,240 --> 00:27:15,880
Speaker 1: on overtime is not literally no tax on your overtime.

429
00:27:15,920 --> 00:27:18,520
Speaker 1: It's a deduction at the end of the year. It's

430
00:27:18,560 --> 00:27:21,640
Speaker 1: never going to be as much fun or facile as

431
00:27:21,640 --> 00:27:24,840
Speaker 1: it would seem at it's you know, on the campaign trail,

432
00:27:25,119 --> 00:27:28,400
Speaker 1: you will still get a deduction. They also put extreme

433
00:27:28,880 --> 00:27:32,639
Speaker 1: limitations on whether you can take these things. If you

434
00:27:32,720 --> 00:27:34,479
Speaker 1: make more than two hundred and fifty thousand dollars as

435
00:27:34,520 --> 00:27:36,320
Speaker 1: a couple, and certainly if you make up more than

436
00:27:36,320 --> 00:27:39,240
Speaker 1: four hundred thousand dollars a couple, all the things that

437
00:27:39,440 --> 00:27:42,399
Speaker 1: politicians campaign on, you're getting none of those. You're getting

438
00:27:42,400 --> 00:27:46,160
Speaker 1: none of child tax credit, none of them. And that's

439
00:27:46,440 --> 00:27:49,600
Speaker 1: but it's something they promise, and in some cases it's

440
00:27:49,600 --> 00:27:52,720
Speaker 1: something they deliver, it just won't ever be delivered to you.

441
00:27:53,080 --> 00:27:56,119
Speaker 1: If you're part of that, you can still deduct the

442
00:27:56,240 --> 00:27:59,920
Speaker 1: interest on a refi. Yeah, I did find that as

443
00:28:00,160 --> 00:28:05,119
Speaker 1: long's it's for an initial loan taken out after December

444
00:28:05,200 --> 00:28:08,240
Speaker 1: thirty first, twenty twenty four, and only on the portion

445
00:28:08,359 --> 00:28:11,080
Speaker 1: of the loan amount that does not exceed the original

446
00:28:11,160 --> 00:28:15,600
Speaker 1: loan balance being refinanced, So you cannot refile for a

447
00:28:15,680 --> 00:28:18,960
Speaker 1: higher balance to get a tax free loan, which is

448
00:28:19,000 --> 00:28:25,080
Speaker 1: basically what you'd be getting. So example, if you bought

449
00:28:25,119 --> 00:28:29,199
Speaker 1: a new car that qualified on January eighteenth of this

450
00:28:29,280 --> 00:28:33,119
Speaker 1: year for fifty thousand dollars with a five year loan

451
00:28:33,560 --> 00:28:36,119
Speaker 1: at a six and a half percent interest and you

452
00:28:36,200 --> 00:28:40,760
Speaker 1: put twenty percent down with a forty percent loan. Because

453
00:28:40,760 --> 00:28:43,280
Speaker 1: you put ten thousand down, the interest in the first

454
00:28:43,320 --> 00:28:46,160
Speaker 1: year is about twenty four hundred bucks. If you're in

455
00:28:46,240 --> 00:28:49,720
Speaker 1: the twenty two percent marginal tax bracket, that could save

456
00:28:49,760 --> 00:28:52,160
Speaker 1: you five hundred and thirty dollars on taxes. So you're

457
00:28:52,200 --> 00:28:56,680
Speaker 1: not going to get rich, but's not nothing. That is

458
00:28:56,760 --> 00:29:02,400
Speaker 1: only available from January first, retroactively thish year through December

459
00:29:02,440 --> 00:29:06,160
Speaker 1: thirty first, twenty twenty eight. Two reasons they do that.

460
00:29:06,960 --> 00:29:08,840
Speaker 1: Democrats do it so you won't be able to get

461
00:29:08,840 --> 00:29:10,680
Speaker 1: it if they win, because they won't let you have

462
00:29:10,720 --> 00:29:14,760
Speaker 1: it the next time. Republicans do it because they sunset

463
00:29:14,920 --> 00:29:18,320
Speaker 1: all of their tax advantages, so you have to elect

464
00:29:18,360 --> 00:29:21,760
Speaker 1: them again to get it again. They could make this

465
00:29:21,840 --> 00:29:24,480
Speaker 1: into perpetuity, but why do that. Then you won't need

466
00:29:24,480 --> 00:29:29,520
Speaker 1: them anymore. Auto lenders, credit unions, banks, and the like

467
00:29:30,040 --> 00:29:32,520
Speaker 1: will be required to send you what's called a Form

468
00:29:32,600 --> 00:29:36,000
Speaker 1: ten ninety eight, similar to your mortgage statement. You've probably

469
00:29:36,040 --> 00:29:39,680
Speaker 1: received one before reporting your car interest for the year,

470
00:29:40,400 --> 00:29:43,000
Speaker 1: and that's what you will include with your taxes or

471
00:29:43,040 --> 00:29:47,120
Speaker 1: you CPA will include that. Does that make sense? I

472
00:29:47,160 --> 00:29:52,440
Speaker 1: hope it does. Adobe wants to talk about putting NBA

473
00:29:52,560 --> 00:29:56,120
Speaker 1: cameras in the putting in the NBA Finals, putting cameras

474
00:29:56,120 --> 00:29:58,240
Speaker 1: in player spaces. I don't have time to take the call,

475
00:29:58,280 --> 00:30:00,640
Speaker 1: but I will speak to that. And that is this.

476
00:30:03,160 --> 00:30:06,560
Speaker 1: I hate the idea of in the middle of the game,

477
00:30:07,040 --> 00:30:08,280
Speaker 1: you know, there's a time out and they go over

478
00:30:08,320 --> 00:30:10,320
Speaker 1: to the coach, Hey, coach, what's you gonna do? What's

479
00:30:10,320 --> 00:30:12,760
Speaker 1: you taking? What's you think about? Team? Well, you know

480
00:30:12,800 --> 00:30:16,440
Speaker 1: we're gonna do our best. It ruins the game. I

481
00:30:16,480 --> 00:30:21,400
Speaker 1: don't need access to everything all the time. There's a

482
00:30:21,440 --> 00:30:26,160
Speaker 1: certain magic to not knowing what they're talking about. Let

483
00:30:26,200 --> 00:30:31,160
Speaker 1: the coach, coach and the players play. This voyeurism that's

484
00:30:31,200 --> 00:30:34,640
Speaker 1: played out in sports and politics, this desperate need to

485
00:30:34,680 --> 00:30:37,200
Speaker 1: know everything about other people's lives. You know what that's

486
00:30:37,320 --> 00:30:40,120
Speaker 1: you know what's that's a manifestation of a person with

487
00:30:40,200 --> 00:30:45,200
Speaker 1: a vacant life. They're trying to fill their their empty

488
00:30:45,600 --> 00:30:50,520
Speaker 1: vassal with the lives and details and peccadillos and addictions

489
00:30:50,560 --> 00:30:54,120
Speaker 1: and cheating and drugs and violence and betrayal of other

490
00:30:54,120 --> 00:30:57,160
Speaker 1: people's lives. That's why people will sit down and watch

491
00:30:57,200 --> 00:31:00,600
Speaker 1: reality TV and watch other people live off the lives

492
00:31:00,640 --> 00:31:04,680
Speaker 1: because they don't. That's sad. Go live your own reality

493
00:31:04,760 --> 00:31:08,040
Speaker 1: TV life ever. Watch that Love Island thing that's where

494
00:31:08,040 --> 00:31:09,560
Speaker 1: all the kids are watching now. Did you know that