Sept. 22, 2025

IRS Problems & Solutions

IRS Problems & Solutions
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Season 3

IRS Problems & Solutions TaxTalk4U.com When did IRS taxes Start. IRS collections of tax debt the solutions to problems Offer in Compromise OIC, Installment Agreements, Partial Pay Installment agreements, Currently Non Collectible status. There are several options to solve your IRS tax debt. Taxation Solutions Tax Relief provides the answers to tax debt problems with simple solutions to saving your family. See IRS Playbook.info for 3 simple steps to soling tax debt.

Tax Talk 4 U is broadcast live Mondays at 10AM ET and Music on W4CY Radio (www.w4cy.com) part of Talk 4 Radio (www.talk4radio.com) on the Talk 4 Media Network (www.talk4media.com). Tax Talk 4 U is viewed on Talk 4 TV (www.talk4tv.com).

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WEBVTT

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The topics and opinions express in the following show are

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solely those of the hosts and their guests and not

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those of W FOURCY Radio. It's employees are affiliates. We

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make no recommendations or endorsements for radio show programs, services,

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or products mentioned on air or on our web. No

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liability explicitor implies shall be extended to W FOURCY Radio

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or it's employees are affiliates. Any questions or comments should

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be directed to those show hosts. Thank you for choosing

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W FOURCY Radio.

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Barry G.

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Fouler EA brings you tax talk for you right here

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on W four CY Radio and Talk for TV. As

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an enrolled agent and a national leader in tax resolution

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as well as Trucker bookkeeping and tax planning. With over

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thirty years of experience, Barry will break down taxes, bookkeeping,

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tax planning, and tax relief for individuals and businesses just

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like you. So let's have some tax talk for you

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with your hosts.

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Barry G.

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Hey, good morning and welcome. It's a great way to

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start the week off, talking taxes, tax problems, how to

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resolve those problems. You know, we got about three weeks

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to filing deadline. Of October fifteenth. So grab yourself a

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nice cup of coffee. It's a great way to start

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the morning and sit back and enjoy the show. And

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if you've got questions, by all means, let's get them in.

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We'll answer those questions. You know, we're talking about tax

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problems and stuff, but you know, tax problems weren't always

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around until we actually got a modern tax code, and

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I mean modern tax code meeting the tax code that

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actually was the foundation for the coaches that we're in

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now because here in the United States, or were when

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we were at colony it we had taxes, and you know,

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before the American Revolution, you know, we had taxes imposed

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by Great Britain such as the Aamp Act of seventeen

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sixty five and then Townshed Townshed Acts of seventeen sixty seven,

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and these levy taxes and left the colonists without any

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consent and were a major.

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Cause of the American Revolution.

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And then post revolution, you know, with the country's founding,

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the federal government was mainly funded through tariffs.

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Imagine that.

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And tariffs were on imports and excise taxes on specific

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products such as like whiskey. States and localities collected property

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taxes and excise tax again on whiskey, and it also

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led to the Whiskey Revolution, so you can see people

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fought over taxes in the Civil War.

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This is probably the first.

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Time that there was a federal income tax, and that

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was back in eighteen sixty two to help fund the

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Civil War. At that time, President Abraham Lincoln signed into

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law the first federal income tax, and it taxed incomes

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above six hundred dollars and it was at a whopping

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rate of three percent. We could all live with a

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three percent tax rate, I think, wouldn't it be nice

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to go back to that. However, you know, people don't

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like taxes, so that did get repealed in eighteen seventy two.

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And I like history, so it's really kind of cool

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to look back and see the history and then the

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history of the sort of say modern income tax. In

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eighteen ninety five, there was an attempt to re establish

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an income tax, but the Supreme Court actually ruled it unconstitutional,

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saying that it was a direct tax that had to

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be apportioned among the states by population. However, in nineteen

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thirty the Sixteenth Amendment was ratified, giving Congress the legal

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authority delay and collect taxes on income from whatever source

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derived without apportionment among the several states. And we let

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congressmen get involved, and then we let the constitutional amendment

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that got ratified by all the states to elect the

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dreaded income tax that we have to live with, sort

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of say now. And that brought upon the nineteen thirteen

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Revenue Act.

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And you know, following the.

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Ratification of that sixteenth Amendment, Congress passed the Revenue Act

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of nineteen thirteen, officially establishing the modern federal income tax system. Initially,

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less than one percent of the population paid the tax,

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So you know, it's kind of amazing, you know, you

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think about it, and you know, we went from one

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percent of the population paid in the tax to a

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higher percentage and I say, roughly fifty percent. But you know,

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that tax at that time really wasn't that high, and

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it was really low. And then the tax rates continued

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to increase over time because, as I would say, American

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government got greedy. American government decided they could redistribute wealth.

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American government decided that they could take from others and

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do what they wanted to do with other people's money.

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And so therefore they collect more and more money from

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you I, and then it led to a Great Depression,

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which then led to saying we needed a safety net.

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Not the safety net of churches and family, but a

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safety net from the government called Social Security. Wasn't meant

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to be the be all, end all retirement. It was

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mainly meant to be there as a safety net if

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something was to happen like the Great Depression. So you know,

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they have managed to always find ways to take money

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do things with this money. And then they decided that

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they could then put the government into debt and build

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that debt continually for you, I, our grandkids, our great grandkids.

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And it's time to put our foot down and get

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back to a balanced budget, pay this debt back, and

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let the country live on what it collects, not live

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off the backs of future generations. Yes, this is my

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soapbox today. Yes, I truly believe that we need to

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get back to living off of what the government collects,

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balance the budget, and get back to actually doing.

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A budget line on them by line.

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On them that you and I and every American it

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could look at a bill and decide, hey.

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Is this right.

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Things that we've seen through dose and stuff that are

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recovering you know, millions of dollars is just a small

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piece of what's going on in this government and what

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they give away and what they do, and the deficits

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that we run. Can't continue to run a deficit forever.

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You took and put these numbers into your and my budget,

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and we were running that kind of deficit on a

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smaller scale, on our smaller numbers in our household, you

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would be bankrupt in no time at all. You couldn't

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afford to continue to live having that deficit year after

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year after year and paying the interest on the notes

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that would be coming due, and not to mention the

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notes that are to be paid off, not to mention

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the social security that has to be paid to you

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and I and others in the future because of what

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we have paid in. Yes, I have some great comments here.

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Seems like the American government takes liberties with our money.

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It does.

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It plays fast and loose, not just our money, but

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future money. Does a government know how to manage money?

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Now?

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Nobody ever said the government knew how to manage money.

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Congressmen want to stay in office, you want to solve problems.

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I think the first thing you do is you put

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every Congressman, every Senator, and every person that works in

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the federal government into the same system we are so security,

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same healthcare that we've got to buy through the marketplace

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or whatever. They shouldn't be on their own system. They

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should be on the very system that we are on.

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They're no better than you and I. There should not

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be a retirement when you leave Congress. You should be

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able to go back into the workforce and go work,

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same with any other federal government position. Put I'm on

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solid security. If it's good for you, it's good for them.

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As my grandfather used to say, what's good for the

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goose is good for the gandernes. Let's make it true

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in the United States. But that takes you and I

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getting out and voting.

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And assisting that this happen.

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If term limits are good for the president, term limits

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should be good for Congressman. You should go back to

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this is what we did doing our civil duty to

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serve for this government. Not to be there all the time,

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not to make a guiden guidly amount of money, but

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to serve and then get back to my community and

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work within the community and do the things that we

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need to do. Not to be feeding off the federal

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government all your life. You know, we can preach, we

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can talk, we can do everything, but it takes action,

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and it takes action from every American, not just some Americans.

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And you know, Thomas.

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Jefferson, I believe is the one, or maybe with Bendamin

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Franklin and once said, once Americans figure out they can

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vote themselves the rays or vote themselves money, it's going

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to be the end of the republic as it is.

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Stop trying to vote yourself money or somebody else. You know, money.

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Churches be the ones that help people, help your neighbor,

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help your family. Should be within not within the government. Hey,

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I promise today what we're going to talk about is

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how to resolve your IRS problems. Now we know where

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the IRS problems come from. Government needs money, Government wants money.

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Government's got to have money to survive. Government's got to

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pay this, got to pay that. How do they do it?

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It's collecting from you and I and everybody else. Hey,

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if you owe the IRS money, there are solutions to

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solve your tax problems. And don't let an IRS agent

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say you don't need representation. We're going to talk about

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your solutions to IRS problems.

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Right after that, we have only scratched the surface of

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today's show. Please stand by as Barry GIF Fowler will

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be right back with tax talk for you.

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If you own the.

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IRS or are going through an IRS audit, don't go

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at it alone. Called Taxation Solutions Relief at eight eight

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eight nine three zero one zero one six. We are

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your solution for IRS debts, audits, back taxes, garnishments, leans

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and levees. Whether you're an individual or business, you need

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a solution and a strong, aggressive tax resolution.

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Don't let the IRS walk all over you.

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Stop the IRS now call eight eight eight nine three

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zero one zero one six or go to Taxationsolutions dot

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net now for a free no obligation consultation. Let's get

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back to tax stock for you with more tax stock

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once again.

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Here's your host, Barry G. Fowler.

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Hey, welcome back. You know the first segment we were

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talking about the beginning tax Goode. I find some things

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to be really amazing. And we had bought Gentlemen's Practice

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many years ago, and one of the things that we

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were cleaning out, filing cabinets and cleaning things out, and

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I actually found a tax return from nineteen eighteen that

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was filed, and actually this one was actually kind of

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interesting because of how much money they made and what

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they were doing.

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So it was really cool.

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When my father passed away a few years ago, I

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was going through his records and found my grandfather's early

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returns from the nineteen thirties, So that was really cool

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to be able to look at and see, you know,

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what the tax code was then and how they did taxes.

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I mean, when we first started doing taxes, it was

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pent that'sil and paper, and you know, way back then,

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some of these were actually done on a typewriter, so

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you know, it was it was kind of cool and

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kind of interesting, and some of the returns that were filed.

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Amazed that somebody would actually do a tax return, you know, typed,

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but you know, there it was. Most of the returns

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we see from the old days were handwritten. And you know,

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my dad still had records from the sixties in the

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seventies when he was.

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Doing his own returns, even.

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Though he was a CPA and knew that he didn't

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have to keep records back that far. It was kind

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of cool to see the records that my dad had

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of his returns. At my mom's returns, back when they

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were first married. I think so they didn't have any

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tax problems, which is thank god. If you have a

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tax problem, it's not the end of the world. It

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only feels like it. The weight of the federal government,

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the weight of not knowing what is going to happen today, tomorrow,

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the next day, or Friday, or the day you get paid.

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It can be devastating in your family. I mean, if

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you're married, your husband should be taken care of this.

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You as a wife, you know, if he's not going

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to take care of it, then you do. Somebody needs

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to step up and deal with the problem, to get

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the irs off your back, because the weight of it

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is going to break the marriage. The weight of it

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is going to continue to add stress in between you

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and your spouse, with your kids, with your family, and

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it's stress that can become overwhelming. We've heard it from people.

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We hear it in their voices, we hear it when

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we're talking to them. We can hear the fear and

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the anxiety that goes along with us because you don't

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know what's going to be next. So you know, where

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we start to resolve attached problem is we first need

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to identify the issue or issues that are causing the.

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Problem, cause the problem, are the problem.

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And so we sit down and we do a complete

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tax analysis, and it's where we go through and we

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look what returns need to be filed, what returns were filed.

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Did you go through an audit. If you went through

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the audit, was the audit done right? Did you guys

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get the opportunity or did you provide the support for

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that audit? Did you file the returns or did somebody

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file those returns correctly or were they just filed incorrectly?

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And it can be corrected and lower the balance down.

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It is the statute of limitations running and are they

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going to run out soon? So every year, every tax

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debt has a statute of limitations and it's ten years

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from when that return is accepted and filed or the

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tax is assessed. So if you didn't file a return

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and maybe three years later and the IRS did an

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SFR substitute for a return, well three years later, that's

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when the statute started running. But the IRS, when they

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do a substitute for a return, does not do it

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in your favor? Does it do it with all of

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the deductions that you should have or deserve or you have,

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and so maybe we need to go back and file

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the actual return, but maybe the substitute return was filed

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and we're close to that ten year statute of limitations

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and the time is going to run out. Why restart

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it for something? Let it run out and be done

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with it. We look at all that, We analyze all

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that so that you and I will be able to

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sit down and have a very good conversation about your

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tax debt and what it's going to require to solve

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this tax debt. Now, you know, people say the first

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thing you need to do is identify the problem in

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the issue and then contact the IRS. And it's all

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good and perfect if you want to do that, great,

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And this is contact them immediately, especially if you're actually

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doing and asking a question AI or you know, hey,

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you know whoever on your phone that's going to do

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this internet search for you. It says, you know, identify

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the problem and then contact the IRS. The IRS is

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going to only talk about a payment plan with you.

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How much can you afford to pay? How much do

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you have in your bank account? And sometimes those are

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just questions that these guys are going to ask to

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determine how much money they're going to get from you

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today and then in payments in the future even if

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you can't afford it. But you need to explore all

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your options. You need to explore everything that's going on.

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First.

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Maybe we do the tax analysis and we come back

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and it's really said, well, we're going to explain.

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To you you should do this, this, and this, do these.

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Three steps, resolve your tax problem, and then you can

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get back to live in your life.

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Be done. But it's major.

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Maybe you've got to do these three or four steps

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and we'll be able to get it wet down a

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little bit. But then make a decision together how you

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can resolve this tax problem. See, because you've got a

305
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tax problem, and maybe it's a result of unfiled tax returns.

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So maybe you haven't filed three, four, or five seven

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00:18:11.839 --> 00:18:14.480
years of taxes. Well, the IRS is going to ask

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for at least the last six. You may want to

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do seven or eight because you don't want them to

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file substitute for returns. Maybe there wasn't any reason to file,

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so we can just get them filed and be done.

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Maybe we can fix returns that are on SFR substitute.

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Maybe we need to file amended returns and fixed returns

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that were done improperly. Maybe maybe you're a truck driver

315
00:18:39.720 --> 00:18:42.400
out there and you had somebody doing taxes for you

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that knows nothing about trucking and they missed a lot

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of deductions, and it could be somebody you trust. And

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we dealt with somebody that was coming with us, and

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they didn't want to give us returns from their CPA

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who was preparing them. But they finally gave us some information.

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And one first thing we did is we noticed that

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00:19:05.920 --> 00:19:09.880
the schedule see was done completely wrong. It doubted us

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and decided they weren't going to use this. But we

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explained to them, hey, this guy just has no clue

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00:19:14.799 --> 00:19:18.400
what he's doing for truckers, and that really happens. Hey,

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that's the way life is. If you trust him, that's fine,

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But if it's completely wrong, you want to get it fixed.

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You want to do it right. So it's the same

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thing we do in here when we're resolving these tax problems.

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We're looking for ways to make your liability to write

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amount and then find ways to resolve them after that

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part is taken care of. So again that first step

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is to do the tax analysis, and that is review everything,

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look at everything that's going on, categorize it based on Hey,

335
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this is the statute of limitations that's going to run out.

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This is maybe an audited happened, or these are the

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returns that need to be done. These are the returns

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that we need to look at to make sure they

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were done correctly, or you know, is there something we

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need to fix, good, bad, or indifferent so that we

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don't have problems in the future. And then determine now

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your actual liability to the IRS and determine your financial

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ability to pay or not pay or not cover what

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the IRS is saying that you owe. So you get

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started in that tax problems and you get into solving

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tax resolution. And that is the name of the game,

347
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is getting things done the right way in the right

348
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timing to finally put a solution in place that's going

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to save you money today, tomorrow, in the future. Hey,

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when we come back, we're going to talk about all

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the other steps that you need to take to resolve

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your tax problem.

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We're gonna do.

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That right after we have only scratched the surface of

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today's show.

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Please stand by as Barry G. Fowler will be right

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back with tax talk for you.

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As an owner operator, you already spend too much time

359
00:21:21.440 --> 00:21:25.240
away from your family. Trucker Tax Tools handles all your

360
00:21:25.279 --> 00:21:28.480
bookkeeping and taxes no matter what level trucker you are.

361
00:21:28.720 --> 00:21:31.920
Life on the road can be taxing, but that doesn't

362
00:21:31.960 --> 00:21:35.319
mean that your wallet or time with your family should suffer.

363
00:21:35.880 --> 00:21:39.799
Trucker Tax Tools makes your life run smoothly. Go to

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00:21:39.839 --> 00:21:42.640
Trucker tax Tools dot com for a free guide that

365
00:21:42.759 --> 00:21:46.359
will give you the tools to never worry about your

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00:21:46.400 --> 00:21:50.920
taxes again. Call Trucker Tax Tools eight seven seven nine

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00:21:51.039 --> 00:21:55.200
sixty six two four seven seven or go to Trucker

368
00:21:55.240 --> 00:21:58.759
tax Tools dot com now and let the experts keep

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00:21:58.799 --> 00:22:04.680
you trucking. Let's get back to tax stock for you

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with more tax stock once again.

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Here's your host, Barry chief Fallum.

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Hey, welcome back talking about tax problems, tax issues, solving

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your tax problems. You know, if you do have a

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tax problem and you're desiring help, you give us a

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call it eight eight eight nine three zero one zero

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one six again eight eight nine three zero one zero

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one six and you know we can work with you

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and help you through your tax problem. It's a free call.

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There's no obligation. Free consultation. You're going to call into

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the office and talk to one of my assistants, and

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00:22:46.559 --> 00:22:49.000
then you'll move over and talk to one of our

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enrolled agents. Likely it's going to be me, because I

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like to get involved right from the beginning with our

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clients or future clients and help you make a decision

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what the best way to go. What do you use

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00:23:01.759 --> 00:23:04.720
us or not, or whether you use somebody else. You

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00:23:04.799 --> 00:23:08.960
need to get the help that you need going forward

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to resolve the problem. Now, what I tell you is

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is that, hey, you got to watch out because there

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are a lot of unscrupulous people in this industry who

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will tell you what you want to hear. And they'll

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tell you right off the bat that, hey, we can

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get you an offering compromise. You may qualify for a

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offering compromise, possibly qualify for offering compromise. But all you

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00:23:32.640 --> 00:23:36.279
really heard was offering compromise, settling this for less than

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00:23:36.279 --> 00:23:39.200
what you owe. And you say yes, and you sign

397
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up with them. Then you find out that that's not

398
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your solution, or that's not true, or there's all these

399
00:23:44.319 --> 00:23:46.279
other things you've got to do and pay for. Still,

400
00:23:47.559 --> 00:23:49.279
you need to do something that's going to be step

401
00:23:49.319 --> 00:23:52.680
by step, completely guided, and you want to see kind

402
00:23:52.680 --> 00:23:57.279
of what we do. There is a book that I

403
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wrote that's online. It's called the IRS Playbook dot Info again,

404
00:24:02.480 --> 00:24:07.279
IRS Playbook dot Info. It's complete information, but it's our

405
00:24:07.359 --> 00:24:11.039
three simple steps that we take to resolve your tax problems.

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And I've been using this method for the last thirty

407
00:24:15.119 --> 00:24:20.599
years to resolve tax problems for individuals and businesses all

408
00:24:20.640 --> 00:24:24.839
across the country, people that owe the IRS. You know,

409
00:24:25.200 --> 00:24:30.000
anywhere from ten thousand to millions of dollars we've dealt

410
00:24:30.000 --> 00:24:34.279
with to resolve tax problems. Now you know there there

411
00:24:34.359 --> 00:24:39.559
are several ways that solutions can be put in place. Now,

412
00:24:39.920 --> 00:24:44.200
you know what I say is that first solution maybe

413
00:24:44.440 --> 00:24:47.759
correcting all the tax returns that were filed incorrectly, and

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maybe that lowers the liability down to something you can

415
00:24:52.359 --> 00:24:54.839
afford or handle, or gets rid of it altogether.

416
00:24:54.920 --> 00:24:56.000
I've seen that happen.

417
00:24:56.759 --> 00:24:59.559
Maybe you've gone through an audit and it's completely just

418
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an audit reconsideration, and we can win that and the

419
00:25:03.559 --> 00:25:07.599
debt can go away. And that's really some nice ways

420
00:25:07.759 --> 00:25:13.400
of seeing debt fall off or go away. You know,

421
00:25:13.559 --> 00:25:17.480
you've got to sit down and talk with somebody and

422
00:25:17.920 --> 00:25:22.079
make it make sense and then make it work for

423
00:25:22.240 --> 00:25:26.680
you and your family to put the right solution and

424
00:25:26.799 --> 00:25:30.000
resolution to your problem. Now, if you call the I

425
00:25:30.160 --> 00:25:33.000
r S, the first thing they're going to do is

426
00:25:34.400 --> 00:25:37.720
potentially give you the option to full pay. So if

427
00:25:37.720 --> 00:25:41.119
you can afford it, hey, full pay it. It stops interest,

428
00:25:41.160 --> 00:25:44.079
it stops penalties. Get it off your back. Go make

429
00:25:44.119 --> 00:25:46.839
the payment, get it done. The interest rates and the

430
00:25:46.880 --> 00:25:48.839
penalties is more than what you're going to earn by

431
00:25:48.880 --> 00:25:53.000
keeping that money as an investment and stuff. Take it,

432
00:25:53.359 --> 00:25:56.880
pay it off, be done with it. Then you don't

433
00:25:56.920 --> 00:25:59.240
have to deal with anybody doing resolution for you. You

434
00:25:59.279 --> 00:26:02.759
don't have to deal with a solution or payment plan

435
00:26:03.000 --> 00:26:03.880
or anything else.

436
00:26:04.440 --> 00:26:06.240
Debt's done, penalty stop.

437
00:26:06.759 --> 00:26:10.920
Now, make sure that every year from that point going forward,

438
00:26:11.039 --> 00:26:14.880
you stay in compliance. Paying the income tax doesn't mean

439
00:26:14.920 --> 00:26:17.839
you've got to pay an absorbitive amount of tax. What

440
00:26:17.880 --> 00:26:19.680
you need to do is work with somebody that's going

441
00:26:19.720 --> 00:26:23.720
to make sure that you are getting every deduction possible

442
00:26:23.920 --> 00:26:29.240
for yourself, your business personally, and you're taking advantage of

443
00:26:29.279 --> 00:26:32.200
all the tax credits that are out there to lower

444
00:26:32.240 --> 00:26:34.640
your liability down to the lowest amount allowed.

445
00:26:34.640 --> 00:26:35.880
By law and.

446
00:26:37.359 --> 00:26:41.319
Pay the least amount. That's what your goal should always be.

447
00:26:42.279 --> 00:26:47.240
Judge William Renquest said there was nothing ever a problem.

448
00:26:47.279 --> 00:26:49.319
He was a Supreme Court just as many years ago.

449
00:26:49.440 --> 00:26:53.319
Matter of fact, he was the Chief Justice, and you

450
00:26:53.319 --> 00:26:57.720
know him saying that meant that there was nothing in

451
00:26:57.759 --> 00:27:00.759
the law that prevented you from doing tax plan and

452
00:27:00.799 --> 00:27:05.640
planning to avoid tax at all costs and using the

453
00:27:05.720 --> 00:27:06.880
tax code to your advantager.

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What do you think the tax code is there for.

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Well, it's government guidance to collect as much money as possible,

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00:27:12.759 --> 00:27:15.720
but it's also your guidance to find every single deduction

457
00:27:16.279 --> 00:27:19.240
that you can have that's allowed by law. And that's

458
00:27:19.480 --> 00:27:23.839
what people like myself and other enworld agents do, is

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00:27:23.880 --> 00:27:27.960
we specialize in taxes, trying to lower what you're going

460
00:27:28.039 --> 00:27:32.640
to pay legally within the system and using the tax.

461
00:27:32.440 --> 00:27:34.079
Code to your advantage.

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00:27:34.640 --> 00:27:36.880
What do you think every president, whatever you think, every

463
00:27:36.880 --> 00:27:41.680
Senator and congressman do. What do you think every billionaire

464
00:27:41.839 --> 00:27:45.720
millionaire does? They use the tax code one hundred percent

465
00:27:46.000 --> 00:27:49.359
to their benefit, getting the right offs at the right time,

466
00:27:49.400 --> 00:27:53.680
in the right place to lower their taxes down to the.

467
00:27:53.720 --> 00:27:55.119
Lowest amount of allowed by law.

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One big beautiful bill gives you several advantages for twenty

469
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twenty five, twenty six and going forward in the future.

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And you've got to use those things that are in

471
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that bill to your advantage. Whether you are in business

472
00:28:09.599 --> 00:28:13.839
as a trucker, whether you're in a business consulting or

473
00:28:14.039 --> 00:28:18.599
retail manufacturing, whatever line of business that you're in, use

474
00:28:18.640 --> 00:28:22.240
it to your advantage. You as an individual taxpayer, there

475
00:28:22.240 --> 00:28:24.599
are things in this bill you can use to your

476
00:28:24.640 --> 00:28:27.720
advantage as well. You need to use it to lower

477
00:28:27.960 --> 00:28:31.799
the amount you're going to pay in taxes so that

478
00:28:32.000 --> 00:28:34.640
if you ever do have money that you're going to oh,

479
00:28:34.680 --> 00:28:38.839
you can afford to pay it hopefully. But that being said,

480
00:28:39.079 --> 00:28:42.640
you've got to stay in compliance and do the things

481
00:28:42.640 --> 00:28:46.799
to prevent penalties, because penalties get costly. Now you know

482
00:28:46.839 --> 00:28:49.960
we've determined how much money you can't afford to pay it.

483
00:28:50.400 --> 00:28:52.920
You know what are your options? Well, you know your

484
00:28:52.920 --> 00:28:56.400
first option is an installment agreement. You know it allows

485
00:28:56.440 --> 00:28:59.240
you to make monthly payments up to seventy two months.

486
00:29:00.200 --> 00:29:03.960
You know, the online payment application is good for you.

487
00:29:04.039 --> 00:29:06.119
If you want you go to IRS dot gov, go

488
00:29:06.200 --> 00:29:09.160
to payments and set up an installment agreement and if

489
00:29:09.200 --> 00:29:13.559
you owe less than fifty thousand. There's some other concerns

490
00:29:13.599 --> 00:29:17.079
and stuff in there, but you could go on there

491
00:29:17.240 --> 00:29:20.519
and set up the installment agreement yourself. They will give

492
00:29:20.519 --> 00:29:23.039
you the option how much you're going to pay, and

493
00:29:23.079 --> 00:29:27.599
it's a full pay option, nothing else. So they're going

494
00:29:27.680 --> 00:29:30.440
to give you up to seventy two months to do. Now,

495
00:29:30.480 --> 00:29:33.680
maybe you know you're looking at taking a second mortgage

496
00:29:33.759 --> 00:29:38.880
or something. You just need time to get the mortgage done,

497
00:29:39.039 --> 00:29:41.799
to pay off the tax debt or get a loan.

498
00:29:42.400 --> 00:29:46.359
You know, the IRS does allow you to do one

499
00:29:46.440 --> 00:29:49.720
hundred and eighty day full pay hold, which means in

500
00:29:49.759 --> 00:29:52.319
one hundred and eighty days you plan on full paying

501
00:29:53.880 --> 00:29:57.960
and you can put that, you know, through online, or

502
00:29:58.200 --> 00:30:01.400
you can call the IRS hold for about three hours

503
00:30:01.440 --> 00:30:05.799
and do that as well. And I don't really recommend

504
00:30:06.400 --> 00:30:12.000
doing that unless you truly are going into full pay. Sometimes,

505
00:30:12.119 --> 00:30:15.599
if you're working with the representative, we need some time

506
00:30:15.680 --> 00:30:18.880
to gather documents and do things, move it in the

507
00:30:18.960 --> 00:30:22.200
right direction to get the right plan in place for you.

508
00:30:22.319 --> 00:30:27.519
So those holes become invaluable to us while we're representing,

509
00:30:29.160 --> 00:30:31.559
and we don't use that full one hundred and eighty

510
00:30:31.640 --> 00:30:35.039
days we'll maybe use thirty or sixty days here and

511
00:30:35.079 --> 00:30:41.279
there just to get us to that point where we

512
00:30:41.400 --> 00:30:45.200
have the solution ready to go. Now, you can't afford

513
00:30:45.240 --> 00:30:48.720
to pay, so what are your other options now? So

514
00:30:48.960 --> 00:30:53.920
they have a When you go in and you calculate it, it says, hey,

515
00:30:54.000 --> 00:30:57.279
you're going to pay one thousand dollars a month to

516
00:30:57.319 --> 00:31:00.000
pay this tax debt over the next seventy two months.

517
00:31:00.039 --> 00:31:02.079
And you go, oh, my budget just doesn't have that

518
00:31:02.160 --> 00:31:03.640
in there. What am I going to do?

519
00:31:03.720 --> 00:31:04.000
Now?

520
00:31:05.240 --> 00:31:09.400
We can possibly do a partial pay installment agreement, so

521
00:31:09.599 --> 00:31:12.640
you know, if you've got assets, IRS is going to

522
00:31:12.720 --> 00:31:14.920
look at the value of those assets. If we win

523
00:31:15.039 --> 00:31:18.599
any other route, they're going to look at your income

524
00:31:18.839 --> 00:31:22.160
and your actual expenses and what's allowable and what's not,

525
00:31:24.119 --> 00:31:27.279
and then they will come back and say, you know,

526
00:31:27.359 --> 00:31:32.920
we'll agree on this number here, and what we've got

527
00:31:32.920 --> 00:31:35.319
to do is fill out the forums four thirty three

528
00:31:35.400 --> 00:31:38.839
A in detail. We also fill out A four to

529
00:31:38.920 --> 00:31:42.480
thirty three F so it's less detail as well. If

530
00:31:42.519 --> 00:31:45.039
we're depending on the status we're trying to get into.

531
00:31:46.240 --> 00:31:49.039
And then if you're running a business or own a business,

532
00:31:49.039 --> 00:31:51.359
you will probably have to add the four thirty three

533
00:31:51.480 --> 00:31:55.079
B with it as well. Now we'll look at all

534
00:31:55.200 --> 00:31:59.480
those things and see how we're going to address these

535
00:31:59.519 --> 00:32:04.680
things and what other options do you have as available

536
00:32:04.720 --> 00:32:08.440
to you to solve your IRS problem. We'll do that

537
00:32:08.519 --> 00:32:09.880
right after this quick break.

538
00:32:11.079 --> 00:32:14.720
We have only scratched the surface of today's show. Please

539
00:32:14.799 --> 00:32:18.039
stand by as Barry G. Fowler will be right back

540
00:32:18.119 --> 00:32:23.960
with tax talk for you. As an owner operator, you

541
00:32:24.200 --> 00:32:27.599
already spend too much time away from your family. Stop

542
00:32:27.720 --> 00:32:32.039
spending time doing paperwork. Go to Trucker tax tools dot com,

543
00:32:32.119 --> 00:32:36.680
a solution built specifically for truckers. Trucker tax tools dot

544
00:32:36.680 --> 00:32:42.759
Com makes your life run smoothly. Let's get back to

545
00:32:42.920 --> 00:32:46.640
tax stock for you with more tax stock once again.

546
00:32:47.079 --> 00:32:50.720
Here's your host, Barrygfower.

547
00:32:52.359 --> 00:32:56.240
Welcome back talking about your IRS problems and settling those

548
00:32:56.319 --> 00:33:01.440
problems and getting a solution put in place. Realistically, what

549
00:33:01.559 --> 00:33:05.279
you've got is for options out there again. It's the

550
00:33:05.279 --> 00:33:08.519
installment agreement full pay. You're going to pay it up

551
00:33:08.519 --> 00:33:11.680
to seventy two months and pay all the interest and

552
00:33:11.720 --> 00:33:16.079
penalties and everything back to the IRS over those seventy

553
00:33:16.119 --> 00:33:20.559
two months. Then there's also the partial pay installment agreement.

554
00:33:20.960 --> 00:33:24.880
There's also what everybody hears and here in the commercials,

555
00:33:24.960 --> 00:33:28.119
the offers and compromise where it's an agreement to settle

556
00:33:28.160 --> 00:33:30.759
your tax debt for less than the full amount you owe,

557
00:33:31.200 --> 00:33:34.880
and then the other option is currently non collectible. Now,

558
00:33:34.880 --> 00:33:37.440
I'm going to talk about these things as we go,

559
00:33:37.960 --> 00:33:39.440
and I'm going to go backwards on this.

560
00:33:39.480 --> 00:33:39.680
Well.

561
00:33:39.720 --> 00:33:44.279
Currently non collectible is a status where the IRS determines

562
00:33:44.319 --> 00:33:48.720
that you can't pay anything on your tax debt due

563
00:33:48.759 --> 00:33:53.720
to financial hardship. It does delay collection activities, it does

564
00:33:53.799 --> 00:33:57.519
get reviewed usually in two years, unless your income hasn't changed.

565
00:33:58.039 --> 00:33:59.680
We use it for.

566
00:33:59.759 --> 00:34:03.200
People that don't see that their income is ever going

567
00:34:03.279 --> 00:34:06.240
to change. Maybe you're on Social Security and that's all

568
00:34:06.319 --> 00:34:09.159
you have. Maybe you're on disability and you're not seeing

569
00:34:09.159 --> 00:34:11.639
any other money coming in and you owe a lot

570
00:34:11.639 --> 00:34:14.920
of back taxes. This is a solution that will let

571
00:34:14.960 --> 00:34:18.760
the statute of limitations run out and not pay anything

572
00:34:18.880 --> 00:34:22.400
ever back if your financial position isn't going to change.

573
00:34:22.400 --> 00:34:25.599
But this isn't for everybody, because I've seen people go

574
00:34:25.679 --> 00:34:28.679
on and saying, hey, I'm not going to increase my

575
00:34:28.800 --> 00:34:31.400
income and stuff, and then all of a sudden an

576
00:34:31.400 --> 00:34:33.880
opportunity comes up or they take a job that's making

577
00:34:33.920 --> 00:34:35.800
really good money and they see a lot of this

578
00:34:36.280 --> 00:34:39.400
money going to the IRS to pay the tax debt

579
00:34:39.840 --> 00:34:42.239
at that point. But it did run the statute of

580
00:34:42.280 --> 00:34:46.480
limitations for a while, and you know, maybe some of

581
00:34:46.519 --> 00:34:49.000
the debt will fall off. We've used it that way

582
00:34:49.079 --> 00:34:53.199
as well. But what might be a better option could

583
00:34:53.239 --> 00:34:55.920
be the offering compromise, you know, the be all bend

584
00:34:55.920 --> 00:34:59.920
all holy grail as you may hear on the rate.

585
00:35:01.800 --> 00:35:05.199
You know, oh I see is out there offer and compromise.

586
00:35:05.239 --> 00:35:08.239
We're going to settle this for debt for less than

587
00:35:08.280 --> 00:35:11.519
what you owe, and it prevents you from paying the

588
00:35:11.559 --> 00:35:16.039
full tax liability. And you can actually go on nine

589
00:35:16.119 --> 00:35:19.039
and use the IRS tool to see if you're going

590
00:35:19.039 --> 00:35:22.320
to qualify. So if you don't trust anybody, you can

591
00:35:22.360 --> 00:35:24.440
go in and do the pre qualifier. But you know,

592
00:35:24.440 --> 00:35:26.000
the first thing I'm going to tell you is is

593
00:35:26.400 --> 00:35:29.239
if you call us, be completely honest about your situation,

594
00:35:29.679 --> 00:35:33.880
Be completely honest about what you own, property, values of it,

595
00:35:34.079 --> 00:35:37.239
equity in it, because all that comes into play the

596
00:35:37.360 --> 00:35:40.760
financially money wise, you may not be able to make

597
00:35:40.760 --> 00:35:44.840
a payment because of your mortgage and your debts and

598
00:35:45.480 --> 00:35:52.079
car payments, and family, food, housing, clothing, logical, you name it,

599
00:35:53.159 --> 00:35:58.239
medical payments. All these things could make it to where

600
00:35:58.280 --> 00:36:00.840
you can't afford to pay. But then all of a sudden,

601
00:36:01.239 --> 00:36:04.039
here's the kicker. You have a lot of equity in

602
00:36:04.079 --> 00:36:06.679
your house and the IRS is going to want that,

603
00:36:07.199 --> 00:36:09.880
but yet you don't have the wherewithal to borrow that money.

604
00:36:10.039 --> 00:36:12.960
Maybe we can prove you can't get it, but the

605
00:36:13.000 --> 00:36:16.960
IRS is going to be looking for that. So you know, yes,

606
00:36:17.559 --> 00:36:21.000
if you check all the boxes that I have low income,

607
00:36:21.559 --> 00:36:25.440
my expenses are too high, but not so much higher

608
00:36:25.519 --> 00:36:28.760
over national standards that the I R S could determine

609
00:36:28.800 --> 00:36:32.039
you can pay because the IRS doesn't use what you

610
00:36:32.320 --> 00:36:36.039
are paying out. Yes, they will use your car payment

611
00:36:36.480 --> 00:36:40.639
up to the national standard. They will use your mortgage payment,

612
00:36:41.159 --> 00:36:48.280
electrical gas, utilities, property taxes, insurance on your home up

613
00:36:48.320 --> 00:36:54.320
to the national standard for your area. Yes, dude, clothing,

614
00:36:55.000 --> 00:36:59.920
these things also, we'll be taken into account, but not

615
00:37:00.199 --> 00:37:03.679
to what you spend if you exceed the national standards,

616
00:37:03.719 --> 00:37:05.360
only up to the national standards.

617
00:37:05.360 --> 00:37:06.039
If you're below the.

618
00:37:06.079 --> 00:37:08.800
National standards in any of this, they're going to take

619
00:37:09.039 --> 00:37:12.199
actual So if you only own one car, husband and wife,

620
00:37:12.519 --> 00:37:14.880
they're only going to take the one car payment. The

621
00:37:14.960 --> 00:37:19.960
other person make it money towards public transportation. Or maybe

622
00:37:20.000 --> 00:37:22.360
you own two cars but one only has a car payment.

623
00:37:22.400 --> 00:37:24.960
Only that one car payment is going to be applied,

624
00:37:25.360 --> 00:37:28.000
so you know you've got to look at it. Maybe

625
00:37:28.079 --> 00:37:32.159
you do qualify based on your actual but you don't

626
00:37:32.280 --> 00:37:40.320
qualify based on national standards, complex tax questions, complex tax issues.

627
00:37:40.760 --> 00:37:43.039
You need somebody that knows what they're doing, how to

628
00:37:43.079 --> 00:37:46.360
help you qualify, or how to make things work within

629
00:37:46.440 --> 00:37:50.639
your life too qualify. Once you do determine, you do qualify,

630
00:37:51.159 --> 00:37:54.440
and you file the four thirty three A possibly B

631
00:37:55.199 --> 00:37:59.119
and the six fifty six for the offer and compromise.

632
00:37:59.320 --> 00:38:04.119
You submit it to the IRS with payments, and you

633
00:38:04.199 --> 00:38:07.840
wait and wait and wait. Now they tell you you've

634
00:38:07.840 --> 00:38:10.119
got to be up to date underestimated tax payments. You've

635
00:38:10.159 --> 00:38:13.000
got to be in compliance because if not, it's going

636
00:38:13.079 --> 00:38:16.000
to be kicked out right back to you and they're

637
00:38:16.039 --> 00:38:20.039
going to decline the offer, and you will be technically

638
00:38:20.119 --> 00:38:23.719
have withdrawn the offer at that point because you not

639
00:38:23.880 --> 00:38:27.119
being in compliance if you don't have tax returns filed,

640
00:38:27.440 --> 00:38:29.559
or you're behind on other taxes or the performs not

641
00:38:29.639 --> 00:38:32.639
filled out correctly. The IRS will kick those all back

642
00:38:32.639 --> 00:38:35.679
to you as if they weren't filed. They're not going

643
00:38:35.719 --> 00:38:38.559
to send you the money bag keeping that, but they're

644
00:38:38.559 --> 00:38:40.400
going to send you the forest back and say it's

645
00:38:40.400 --> 00:38:42.800
been withdrawn. You want to make sure you dot your

646
00:38:42.800 --> 00:38:47.039
i's and cross your t's. So the offering compromise with

647
00:38:47.119 --> 00:38:51.519
the IRS also comes with a five year compliance that's

648
00:38:51.639 --> 00:38:54.079
right after they accept. Now you're going to be in

649
00:38:54.159 --> 00:38:57.480
compliance from the day you file to the day they accept,

650
00:38:57.880 --> 00:39:01.519
and then for the next five years years after that,

651
00:39:01.920 --> 00:39:05.840
where this dead comes flowing back right to you. Penalties

652
00:39:05.880 --> 00:39:09.960
and interest all occurring during this whole time. You doubt

653
00:39:09.960 --> 00:39:12.840
me on that, SCRs. Doubt me on that. Ask a

654
00:39:12.880 --> 00:39:15.239
client who came back to me. Came to me a

655
00:39:15.280 --> 00:39:18.320
few years ago, and the first thing he came to

656
00:39:18.360 --> 00:39:21.280
me and said, Hey, I screwed up. I said, what

657
00:39:21.280 --> 00:39:24.360
did you do? Well, I filed late. Okay, this is

658
00:39:24.400 --> 00:39:27.760
no big deal. Well I owed money, Okay, no big deal.

659
00:39:27.800 --> 00:39:28.920
They're just going to hit you with a little bit

660
00:39:28.920 --> 00:39:29.480
of penalties.

661
00:39:29.760 --> 00:39:30.320
I was in the.

662
00:39:30.239 --> 00:39:34.280
Middle of an offering compromise. Okay, how far into the

663
00:39:34.320 --> 00:39:38.320
middle of this offering compromise? Well, was into the last

664
00:39:38.360 --> 00:39:42.840
six months meanings he was in compliance for four years,

665
00:39:42.880 --> 00:39:46.800
six months into it, six months before it would have

666
00:39:46.840 --> 00:39:51.159
been finalized and done and gone away, and all two

667
00:39:51.360 --> 00:39:55.760
hundred and fifty thousand dollars plus penalties and interest crewed

668
00:39:55.880 --> 00:39:59.320
over the time came flooding back to him, and they say, hey,

669
00:39:59.360 --> 00:40:01.679
that's no big deal. He qualified for an offering compromise.

670
00:40:01.760 --> 00:40:05.159
Once he can qualify possibly again, and we can start

671
00:40:05.199 --> 00:40:09.519
this whole thing all over again. Unfortunately, this gentleman bound

672
00:40:09.559 --> 00:40:13.880
away got a great job. He was making good six

673
00:40:14.039 --> 00:40:18.400
figure income. Therefore he could afford to pay this tax

674
00:40:18.480 --> 00:40:22.559
debt back, and he accumulated other assets along the way. See,

675
00:40:22.559 --> 00:40:25.239
the IRS doesn't care. Once it accepts the offering compromising.

676
00:40:25.400 --> 00:40:27.440
You can go gangbusters and make as much money as

677
00:40:27.480 --> 00:40:29.639
you want once it's accepted, and they're not going to

678
00:40:29.679 --> 00:40:31.719
go back and look at that. But they expect you

679
00:40:31.760 --> 00:40:34.199
to stay one hundred percent of compliance. This gentleman fell

680
00:40:34.239 --> 00:40:36.320
out of compliance, you got all the debt coming back.

681
00:40:36.559 --> 00:40:39.199
That's one of the negatives in an offering compromise. You

682
00:40:39.239 --> 00:40:41.599
want somebody to monitor the situation and want to make

683
00:40:41.639 --> 00:40:43.639
sure you're working with somebody to make sure your returns

684
00:40:43.639 --> 00:40:47.079
are filed every time timely. You want to make sure

685
00:40:47.079 --> 00:40:49.719
you're making your estimated tax payments and dotting your eyes

686
00:40:49.719 --> 00:40:53.199
and crossing your teeth. That being the case, this gentleman

687
00:40:53.280 --> 00:40:56.599
didn't do that, and he ended up back with all

688
00:40:56.599 --> 00:40:58.519
the debt. So you kind of got to watch this.

689
00:40:58.800 --> 00:41:02.679
What's the other option, partial pay installment agreement. The partial

690
00:41:02.719 --> 00:41:06.360
pay Installment Agreement has a little less lines to this

691
00:41:07.039 --> 00:41:09.880
and contingencies to it. Yes, you've got to still stay

692
00:41:09.880 --> 00:41:12.480
in compliance and not owe any more tax and pay

693
00:41:12.480 --> 00:41:16.159
your estimated taxes and stuff like that, but the IRIS

694
00:41:16.320 --> 00:41:21.199
agrees on a smaller payment over the statute of limitations.

695
00:41:21.280 --> 00:41:25.840
Time and debt can fall off. So we structured a

696
00:41:25.960 --> 00:41:29.079
client's tax debt. They were well over one hundred and

697
00:41:29.079 --> 00:41:32.119
fifty thousand dollars in debt. We did our complete tax

698
00:41:32.119 --> 00:41:35.719
analysis and found out that hey, over the next three

699
00:41:35.960 --> 00:41:39.519
years they're going to have a significant portion of their

700
00:41:39.559 --> 00:41:43.039
debt fall away. So they're going to lose twenty or

701
00:41:43.039 --> 00:41:45.039
thirty thousand of the debt will fall off at the

702
00:41:45.159 --> 00:41:48.840
end of this year early next year, and then midyear

703
00:41:48.920 --> 00:41:52.000
next year they have another thirty or forty thousand falling off,

704
00:41:52.400 --> 00:41:55.440
and then sometime the year after they're going to have

705
00:41:55.639 --> 00:41:58.599
a bunch of debt fall off. So we were able

706
00:41:58.639 --> 00:42:03.360
to structure that larger tax debt into small payments that

707
00:42:03.400 --> 00:42:07.920
they could actually afford right now in compliance with the IRS,

708
00:42:07.960 --> 00:42:11.960
and let this debt fall off as we go. Their

709
00:42:12.000 --> 00:42:17.119
savings was still very good and great for them in

710
00:42:17.559 --> 00:42:20.480
their life, and it was a payment they could afford

711
00:42:20.519 --> 00:42:23.559
to make. They were paying one hundred dollars a month

712
00:42:24.000 --> 00:42:26.320
on this tax debt, so yes, over a year, they're

713
00:42:26.360 --> 00:42:29.280
going to pay twelve hundred over two years twenty four hundred.

714
00:42:29.519 --> 00:42:32.519
But the twenty four hundred was going to allow close

715
00:42:32.559 --> 00:42:36.320
to seventy five to eighty thousand dollars fall off right

716
00:42:36.320 --> 00:42:39.679
there in two years, with other big chunks falling off

717
00:42:39.719 --> 00:42:42.599
for the next year or two as well. So it

718
00:42:42.679 --> 00:42:48.519
became a very good option for them, so that they

719
00:42:48.559 --> 00:42:53.719
could see that what we put into place drop their

720
00:42:53.760 --> 00:42:57.920
debt down to something they could afford and would not

721
00:42:58.079 --> 00:43:01.880
be detrimental to the options out there. You've got to

722
00:43:01.920 --> 00:43:05.000
consider your options. The first thing that I would do

723
00:43:05.159 --> 00:43:08.280
if I owe money to the IRS is give Taxation

724
00:43:08.400 --> 00:43:11.599
Solutions tax relief a call today eight eight eight nine

725
00:43:11.639 --> 00:43:15.159
three zero one zero one six again eight eight, eight

726
00:43:15.320 --> 00:43:17.639
nine three zero one zero one six.

727
00:43:18.119 --> 00:43:19.119
Hey, I had fun today.

728
00:43:19.639 --> 00:43:21.800
I know as on my soapbox in the whole first segment,

729
00:43:21.840 --> 00:43:24.039
but we got to talk about how tax code started,

730
00:43:24.280 --> 00:43:26.440
which is really kind of cool, a little bit of history.

731
00:43:27.199 --> 00:43:30.920
Tune in right here in tax Talk for you. You can

732
00:43:30.960 --> 00:43:33.800
go to tax Talk the number four letter you dot

733
00:43:33.800 --> 00:43:37.239
com again tax Talk for you dot Com. Follow us

734
00:43:37.280 --> 00:43:39.880
over there, never miss an episode. You can follow us

735
00:43:39.920 --> 00:43:43.159
on Facebook. Whether you follow us through Trucker tax Tools,

736
00:43:43.760 --> 00:43:45.559
you can go to Trucker tax Tools dot com or

737
00:43:45.599 --> 00:43:47.920
Trucker tax Tools Facebook page. You can go to Taxation

738
00:43:48.000 --> 00:43:51.679
Solutions Facebook page. You can follow us there on Instagram.

739
00:43:52.599 --> 00:43:55.159
But be here every Monday at ten am on W

740
00:43:55.280 --> 00:44:00.280
four c Y Radio. Be here at tax talkforu dot com.

741
00:44:01.159 --> 00:44:03.239
And if you do miss an episode, you can go

742
00:44:03.320 --> 00:44:06.679
to all the different podcast sites and find us right there.

743
00:44:06.800 --> 00:44:09.280
Just type in tax Talk for you dot com and

744
00:44:09.400 --> 00:44:12.280
you'll be able to find us. Hey be here Monday,

745
00:44:12.519 --> 00:44:16.559
ten am Eastern time, W four CY Radio. Thank you

746
00:44:16.719 --> 00:44:20.559
very much. How a god bless, glorious and awesome week.

747
00:44:21.159 --> 00:44:25.159
Make this week special. Do something fun for you, your kids,

748
00:44:25.280 --> 00:44:29.119
your spouse. Do that, but be here Monday, ten am

749
00:44:29.159 --> 00:44:31.920
Eastern Time at tax Talk for You dot com.

750
00:44:31.920 --> 00:44:32.920
Thank you God bless.

751
00:44:34.400 --> 00:44:37.559
Are you an individual or business that wants to understand

752
00:44:37.639 --> 00:44:41.000
taxes and how they affect you. Are you looking for

753
00:44:41.079 --> 00:44:46.480
specific tax advice for self employed business owners and truckers.

754
00:44:47.039 --> 00:44:51.079
Are you behind on taxes and your bookkeeping? Are you

755
00:44:51.199 --> 00:44:55.239
dealing with dirs and ready to have some relief, then

756
00:44:55.320 --> 00:44:59.000
you need Tax Talk for You, hosted by tax and

757
00:44:59.079 --> 00:45:01.079
trucker experts Barry G.

758
00:45:01.360 --> 00:45:02.360
Fower EA.

759
00:45:02.599 --> 00:45:06.440
Tune in ten am Eastern time every Monday right here

760
00:45:06.480 --> 00:45:09.280
on W four c Y Radio and Talk for TV.

761
00:45:09.719 --> 00:45:13.119
Don't forget to check this and past episodes at tax

762
00:45:13.239 --> 00:45:17.320
talkfu dot com. See you next week at W four

763
00:45:17.360 --> 00:45:20.800
c y dot com