June 2, 2025

Tax Savings and Retirement. Trucking and Retirement

Tax Savings and Retirement. Trucking and Retirement
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Season 2

Tax Savings and Retirement. You're interested in the tax savings opportunities related to retirement. Here's a breakdown of how retirement accounts can offer tax advantages and strategies you can use. Strategies for Increasing Tax SavingSide hustle Deduct eligible business expenses like home office costs, business vehicle use, health insurance premiums and max out retireemnt savings. Use HSA accounts to save tax dollars. Bookkeeping experience matters.

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).

Tax Talk 4 U Podcast is also available on Talk 4 Media (www.talk4media.com), Talk 4 Podcasting (www.talk4podcasting.com), iHeartRadio, Amazon Music, Pandora, Spotify, Audible, and over 100 other podcast outlets.

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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 FOCY 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 be

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directed to those show hosts. Thank you for choosing W

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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 host, Barry G.

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Foul And a good Monday morning. Everybody's having a great day.

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I know we've got a few new listeners out there

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that I've talked to over the weekend and last week.

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Glad to have you anybody else should know that wants

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to know more about taxes, book keeping, trucking, small businesses,

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tax problem resolution. Make sure you refer them over to

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tax Talk for you dot com, Follow us there, follow

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us on Facebook, whatever you got to do to make

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sure that you're here joining us on Monday morning at

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ten am Eastern time. You know we're here to talk

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about taxes. You know, you have those mondays that just

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don't start the way you know life's supposed to. You know,

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sometimes you get in your truck and all the lights

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light up and you go, what's going on now? Or

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doesn't turn over, it doesn't start, or you know, whatever

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the case may be. Today, you know, we come into

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the office, we have plans and how we're going to

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run the show, and you know you're going to talk

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about retirement, tax savings, trucking, you know, you name it,

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and all of a sudden, all more in long, you

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have computer issues. How do you prepare for a show

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When you're having computer issue? You fall back on years

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and years of knowledge and maybe things that you've seen

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over the weekend that you drug it nuts here in

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this case, you know, we're experts at what we do.

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You know bookkeeping for truckers, taxes for truckers, small business bookkeeping,

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small business taxes and individual taxes. You name it tax resolution.

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And then you go online and you see somebody going

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and anybody can do this. Anybody can do bookkeeping. Here.

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Just take this free day caram course on how to

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use your favorite tax software QuickBooks right and now you

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can sell bookkeeping everybody and anybody because you are an expert. Man.

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Sometimes when I read that, I am glad. I'm wearing

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my boots. And sometimes you think you need some hip waiters,

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because you know, just because you take a three day

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course doesn't make you qualified to do bookkeeping or taxes

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or tax resolution. You know, this is what gives people

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my industry bad name. You know, you're having years of

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expertise in what we do bookkeeping, taxes, tax resolution, fighting

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IRS and problems. And you know this is what makes

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what we do and what we are doing in business

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the excellent choice for your business and to help you.

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You know, we offer low costs programs for truckers and

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you're starting at twenty five hours a week. You can

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go to Trucker tax Tools dot com see what we do.

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Click contact us, call us let us get your schedule.

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Let's talk about your bookkeeping. You know, you got people

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out there thinking they can do it. They have no

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clue what the I've seen financial statements from some of

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these wonderful people that have been in the business full

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three days that are now doing bookkeeping for our truckers

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or small businesses out there. You know, I hate to

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throw people under the bus, but I have a friend

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who decided, you know, bookkeeping is a lucrative business. Bookkeeping

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is a time consuming. Bookkeeping takes a lot of knowledge

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of Hey, where do I got to classify these things?

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Where do we got to go? We spend a lot

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of people time training our people to be excellent at

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what they do, you know, for truckers and for small

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businesses you know across the country that we service. They

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called me about every other week asking trying to ask

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me questions. What should I do with this? How should

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this be classified? What should be done with this? How

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do we make this work? Our balance sheet isn't working?

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Is this balance sheet right?

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Give me a break.

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You took the three day course. You should know you're

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the expert.

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Not me.

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Okay, so you know I can get up my soapbox

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and talk about this. You know, it's the same thing

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that happens in resolution. We see advertise all over the place.

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And now I'm not going to throw certain companies under

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the bus, but we train for tax resolution. If you

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do taxes, you can do irs problem resolution. And those

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people are the ones that give problem resolution tax people

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a bad name. They don't follow through with what they're

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going to do, They don't communicate what they're doing, They sell,

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they undercut, they do all these things to get you

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to call them to do they're ires resolution, and then

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now you've got a bigger problem, and then you want

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to call me to resolve the problem that they created

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and made worse because they had no clue what they

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were doing. They were stuck in maybe inch deep muddy

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when they started. And now it's up to your hip

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and you need hit waiters and you need something else

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to help get you out. See, this morning just didn't

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start out the way we wanted them morning to start out.

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But what you learn is a valuable lesson. It's kind

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of like the trucking industry. You jump into a truck

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at eighteen twenty four gears and you got to work

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your way through those gears. And if you don't know

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what the heck you're doing, your truck's in the shop

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and you got a bigger problem. And if you've hired

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one of those that went through, Hey, I got through

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this driving academy and now I'm the wonderful, most perfect

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truck driver out there. And they're undercutting everybody and creating

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a bad name and a bad industry for you. We've

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seen it. It's the way it goes. And maybe they're

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transporting that load for you, and now you've got a

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bigger problem, and you've got to call somebody else to

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get that load off the road, or they dropped the

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load on the side of the road. Now you got

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a bigger problem. We've seen it. It happens, you know,

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and that's part of life, you know. Sometimes you've got

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to start from the beginning and work for somebody else.

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Learn your trade, learn your business, go to college, get

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your education. It's not a three day crash course. Somebody

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once asked me, can you teach me how to do bookkeeping? Yeah,

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but it's a long time commitment. Do you have several

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years for us to teach you everything in the ins

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and out? It's a bookkeeping it's not just how you

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use quick books. It's not just how to sell somebody

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that you know how to use quick books, because just

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because you know how to do quick books doesn't mean

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you know how to do bookkeeping. Just because they taught

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you how to sell and to sell somebody to say, hey,

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I can do this for one hundred dollars a move great,

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God bless you and good life to you. And if

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you hired one of those, it just came out of

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that three day carash course. God bless you and good

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luck to you. You know. I use for an example,

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somebody sent me quick books said that hey I did

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it myself because I am my bookkeeper, and they had

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one hundred and fifty one hundred and eighty thousand dollars

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and ask my account what is this? Well, we're just

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asking you. Can you break this down for us and

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put it where we're supposed to go. Now, you did

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your own bookkeeping, you're the expert. You fix it if

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you want us to fix it. We do charge to

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do this, and we're going to charge our hourly rate

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to go through and do this, and you're not gonna

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be happy because we're gonna end up going back and

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redoing almost all your bookkeeping for you, because it's all wrong.

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As we get into it. Now, we'll do it. We understand.

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Three weeks later they're calling me back. Can you know,

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we just need your input on what we should do

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with it. You're the bookkeeper. You figure it out. It

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says Monday, it's gonna be a glorious We know that

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it's gonna be fun. I spent the weekend traveling across

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the roads of Texas from Hempstead to Cisco, Texas, back

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down to Temple, Texas, then back home to Hempstead, traveling

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Saturday to Livingston, Texas, and then back home Hempstead, Texas.

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Great day on the road. Man saw a lot of

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good truckers. Stop at a couple of truck stops. Talk

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to a few truckers. Man, I hope you guys have

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great week. A couple of truckers hauling cattle, you know,

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God bless them, and you know, having fun, good good

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old boys out there and taking care of the cattle

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industry and stuff. You know, it was good to meet

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you all at a couple of the truck stops out there,

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and good to see you on the road. Now we're

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going to get to this.

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You know.

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The next section we're going to talk about is retirement

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plan and what retirement plans you should be using for

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your small business. We'll get to that right after this break.

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We have only scratched the surface of today's show. Please

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stand by us. Barry Chief will be right back with

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tax talk for you. If you owe the IRS or

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are going through an IRS audit, don't go at it alone.

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Call Taxation Solutions Tax.

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Relief at eight eight eight nine three zero one zero

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one six. We are your solution for IRS debts, audits,

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back taxes, garnishments, leans and levees. Whether you're an individual

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or business, you need a solution and a strong, aggressive

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tax resolution. 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 their host, Barry Chief Fallon.

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Hey, welcome back, Hey Kenny, thanks for joining us here.

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Saw you sent a message into us saying hi, Yeah,

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it was good to meet you out there in Cisco, Texas,

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where we stopped at one of the truck stops up

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near there, so it was good to meet you and

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good to have a conversation with you. Stay safe out

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there on the road, and thanks for all that you do. Hey,

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we're talking about saving for retirement. You know, first time

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we had this conversation. With small businesses and everything, they're like, well,

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we can't afford And when we talk with truckers, they're like, hey,

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nobody's ever talked to us about saving for retirement or

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retirement accounts. And you know, as I say to most

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people in business, you're not planning to do this for

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the rest of your life. I've talked to a lot

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of truckers and they kind of laughed at me and said, hey,

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I plan on you know, being in the seat till

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the end of time. And great, good for you, but

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maybe you want to spend some time with family, or

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maybe you want to slow it down at some point.

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And you know, we're always looking for tax strategies to

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save money on taxes and do different things, but saving

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for retirement is one of the strategies that you can

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be using to save money on your taxes at the

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same time putting a little nest egg over here in

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the side so that you eventually could slow down and

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live happy for a little bit better in retirement and

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not be in the truck every single week. So what

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kind of accounts can you use? You know, we talk

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about retirement accounts for the self employed, we're talking about

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tax advantages accounts like a SEP self employed Simplified Employee

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Pitching Plan IRA self employed four oh one K simple iras,

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and then there's a different advantage type four oh one

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ks as well. Even including in these strategies might be

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something like a health savings account HSA, you know, another

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potential savings for you know, long term savings since you

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know in an HSA it's not a use it or

228
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lose it, so you know, whether you're planning to you know,

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retire early or keep working well in retirement age, you're

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going to need some savings, you know at some point

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in the good news for you, being self employed gives

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you access to certain tax advantage accounts with the higher

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contribution limits that you can get than using a traditional IRA,

234
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So you can use that set IRA Simplified Employee Pension

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Plan you know s e P IRA. It offers tax

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deferred growth for individuals or small business with one to

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four employees while allowing contributions up to seventy thousand in

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twenty twenty five. You know, there has some requirements and

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everything in there. If you've got employees, then you've got

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to do matching and the same contribution type for yourself

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as well as all the employees. But if you're self employed,

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then you're the only employee, or maybe it's just you

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and your spouse, you're using an SEP plan like this

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can definitely give you some tax advantages to saving money.

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The other one is a self employed for a one K.

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If it's just you or you and your spouse working

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for a business, your self employed for one K lets

248
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you put money aside tax defer or even tax free.

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It features higher contribution limits up to seventy thousand for

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twenty twenty five, and since you can contribute both as

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an employer and employee, gives you some good advantage. Just there.

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There are rules and regulations to it, so we'll come

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back to some of these rules and regulations. For some

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of these plans, you can use simple IRA. It's a

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savings investment match for employees. Simple IRA there's a plan

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for businesses with fewer than one hundred employees, contribution limits

257
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are much lower than those with a self employed four

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oh one K or a step IRA, so you know,

259
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you've got to look at what those limits are. And

260
00:15:35.000 --> 00:15:38.039
then there's got some advantage plans, so you know, like

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the Fidelity Advantage four oh one K is an pooled

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employer plan design specifically for growing businesses, features all the

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benefits of the four to one K, such as higher

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contribution limits and an employeer match with a simplified plan

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design and reduced administrative responsibility. There's some good plans that

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are out there, so if you're not sure you know

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which plan is for you, we can kind of take

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a look at some of these plans.

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You know.

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One of the other things that we talked about at

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the beginning of this segment was HSAS. You know, one

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thing I like about HSAS, it's a health savings account

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that help HSA Health Savings Plan is you know, a

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long term savings option that you can consider. When you're

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you have a health savings account, you can save you know,

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fifteen point three percent on any contribution. Since you're paying

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as an employer an employee, you know, this is money

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that's going in before your Social Security and Medicare tax

279
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allows you to keep that money there, accumulate that money,

280
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and then use the money that you have there for

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health payment. So every time you go to the doctor meeting,

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copays or deductibles, things like that can be done through

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this health savings account and you can have an investable

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and that investment continues to grow tax free. And then

285
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you know, until you're using use up the funds stuff,

286
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and it's your money. It's not a user to lose it.

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Like you used to see with these flexible savings accounts

288
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and these other health accounts that used to have when

289
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you work for an employer, you would have to use

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it by the end of the year. This money continues

291
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to sit out there and continue to grow, and it

292
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becomes your money even if you choose different insurance or

293
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change insurance or able to have insurances not HSA qualified

294
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or anymore. You know, some of the things that you

295
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know we do like when we're dealing with these plans,

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is that you can maximize, you know, the money that

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you have out there. Some important things like the self

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employed for one K, you know their contribution. If you're

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between the ages of sixty and sixty three, you're eligible

300
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to contribute up to eleven two hundred and fifty additional

301
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money as a catch up contribution if your plan allows.

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There's certain plan rules you've got to go through out there,

303
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so you know you need to, you know, make sure

304
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you're looking at the plans that are there. The combined

305
00:18:35.720 --> 00:18:41.839
limit for employers and employees is seventy thousand or one

306
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hundred percent of the employee's salary, whichever is lower. So

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if you're working with somebody in there keeping your guaranteed

308
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payments or your salary a little bit lower, let's say

309
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you're in the sixty thousand range, then you're going to

310
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be limited to sixty thousand. You're not going to be

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able to go all the way up to the seventy

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if you're again in the sixty to sixty three range

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instead of seventy or eighty one and fifty dollars. But

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if your salary is set lower, then you're going to

315
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be set to that lower limit. So this is something

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that you can look at and decide, hey, maybe I

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00:19:22.119 --> 00:19:25.359
want to increase my salary so I can maximize my

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contribution to my four to oh one K and use

319
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that four one k there for yourself and you might

320
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split up a four to oh one k between you know,

321
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wroth and the traditional tie as well. And we had

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a question here where would a person find a self

323
00:19:47.720 --> 00:19:50.480
employed four one K plan? Well, if you call us,

324
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we've got some great advisors we can refer you to.

325
00:19:54.720 --> 00:19:56.839
So you can call us over here at truck or

326
00:19:56.880 --> 00:20:02.000
Tax Tools. You can use our DURA number eight seven

327
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seven nine six six two four seven seven and then

328
00:20:05.799 --> 00:20:08.880
we can get you referred over to somebody to you

329
00:20:08.880 --> 00:20:11.559
who gets you set up with the world okay, or

330
00:20:11.599 --> 00:20:14.119
you can go simply to Fidelity dot com or swab.

331
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They've got some self employed plans out there as well.

332
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So there's a lot of fun things that we get

333
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to talk about in you know, setting up for retirement,

334
00:20:27.920 --> 00:20:35.480
but using the retirement plans to save yourself money is

335
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the ideal thing for you to do to put money

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away pre tax and avoid some of the high taxes

337
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out there. After the break, we've got a couple other

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questions about what is a levey and can tax people

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take business money without notifying the business. We're going to

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address those right after this.

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We have only scratched the surface of today's show. Please

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00:21:00.079 --> 00:21:03.400
and Bias Barrygfowler will be right back with.

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Taxtock for you.

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As an owner operator, you already spend too much time

345
00:21:10.759 --> 00:21:14.559
away from your family. Trucker Tax Tools handles all your

346
00:21:14.559 --> 00:21:17.799
bookkeeping and taxes. No matter what level trucker you are.

347
00:21:18.039 --> 00:21:21.240
Life on the road can be taxing, but that doesn't

348
00:21:21.279 --> 00:21:24.640
mean that your wallet or time with your family should suffer.

349
00:21:25.160 --> 00:21:28.319
Trucker Tax Tools makes your life run smoothly.

350
00:21:28.880 --> 00:21:31.039
Go to Trucker tax Tools dot com for.

351
00:21:31.079 --> 00:21:34.079
A free guide that will give you the tools to

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00:21:34.480 --> 00:21:38.480
never worry about your taxes again. Call Trucker Tax Tools

353
00:21:38.599 --> 00:21:42.960
eight seven seven nine sixty six two four seven seven,

354
00:21:43.240 --> 00:21:46.559
or go to Trucker tax Tools dot com now.

355
00:21:46.279 --> 00:21:48.720
And let the experts keep you trucking.

356
00:21:51.839 --> 00:21:54.680
Let's get back to tax stock for you with more

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00:21:54.799 --> 00:21:56.640
tax stock once again.

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Here's your host, Barrygfower.

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00:22:01.960 --> 00:22:05.400
Hey, welcome back. You know we love questions, so if

360
00:22:05.400 --> 00:22:07.960
you've got questions, to send them into the radio station

361
00:22:08.240 --> 00:22:10.920
or you can send them over here to us at

362
00:22:10.960 --> 00:22:15.720
Trucker Tax Tools, Taxation Solutions, Tax Relief. Our phone number

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00:22:15.759 --> 00:22:18.759
here at Trucker Tax Tools is eight seven seven nine

364
00:22:18.839 --> 00:22:21.839
sixty six two four seven seven. Hey give us a call.

365
00:22:22.519 --> 00:22:25.599
Let us get started doing your bookkeeping, your taxes for

366
00:22:25.640 --> 00:22:28.200
you and helping you keep your truck on the road

367
00:22:28.759 --> 00:22:32.079
not having to worry about bookkeeping or taxes. And you

368
00:22:32.119 --> 00:22:35.119
know you're going to have quality of bookkeeping with you know,

369
00:22:35.200 --> 00:22:39.440
thirty plus years of experience here doing truck or bookkeeping

370
00:22:39.480 --> 00:22:42.279
and truck or taxes. You know you've got the knowledge

371
00:22:42.759 --> 00:22:46.200
of people that can handle and help you keep your

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00:22:46.200 --> 00:22:53.640
truck on the road running smoothly. And yes, questions, great questions.

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What is a levee? A levee is when the IRS,

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and if we're talking about a tax levy, is when

375
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the IRS goes in and takes all the money out

376
00:23:03.200 --> 00:23:07.880
of your bank account because you owed the IRS money. Now,

377
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the IRS will send you letters and notices, will send

378
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you a final notice, even a certified notice of intent

379
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to levy, and they're going to levy your account within

380
00:23:18.640 --> 00:23:21.759
roughly forty five days, and they're going to take everything

381
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that you have there to try to satisfy satisfy the

382
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levee amount. Now, if you have the full amount in

383
00:23:28.279 --> 00:23:30.759
there to set a settle it, or more money than

384
00:23:30.960 --> 00:23:33.119
that's in there, they're only going to take up to

385
00:23:33.200 --> 00:23:35.079
what you owe. But if you have less than that,

386
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they're going to take it all. Same question we had

387
00:23:37.400 --> 00:23:40.119
come in here. Can the tax people take business money

388
00:23:40.160 --> 00:23:43.319
without notifying the business. It depends on which tax people

389
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you're talking about. Talking about the irs, you owe them money,

390
00:23:47.680 --> 00:23:51.000
they have notified you first and send you letters. Yes,

391
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they can levy your bank accounts, even the business accounts,

392
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and with your name and social securities attached to it,

393
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and maybe you self employed, they can take it. If

394
00:24:02.880 --> 00:24:05.839
your name and social Security number and you owe money personally,

395
00:24:05.960 --> 00:24:09.680
is on any other accounts out there, they can take it.

396
00:24:09.839 --> 00:24:13.359
That includes your kids, grandkids. If you've got five to

397
00:24:13.400 --> 00:24:16.799
twenty nine accounts set up with your social Security number

398
00:24:16.839 --> 00:24:20.559
on it for kids or grandkids, they can take that money.

399
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If your social Security numbers attached to any of your

400
00:24:23.559 --> 00:24:27.200
kids accounts, they can take that money. Or even parents accounts,

401
00:24:27.319 --> 00:24:30.720
they can take that money if you owe the irs.

402
00:24:31.200 --> 00:24:35.039
So if you're talking about us as tax preparers, now

403
00:24:35.559 --> 00:24:39.039
you're going to sign, let's say, money to come out

404
00:24:39.079 --> 00:24:41.680
of your account to go to the IRS to pay

405
00:24:41.680 --> 00:24:44.599
your taxes that are due. You will sign the tax

406
00:24:44.640 --> 00:24:47.559
return and you will also sign a transaction form that

407
00:24:47.599 --> 00:24:50.200
says this money is coming out and going to the IRS.

408
00:24:50.240 --> 00:24:52.559
The IRS is going to pull it. If you're doing

409
00:24:52.599 --> 00:24:56.319
payroll with somebody like us at Trucker Tax Tools, then

410
00:24:57.799 --> 00:25:01.440
that money for payroll taxes signed is going to come out.

411
00:25:01.480 --> 00:25:04.680
You're going to get notified through email or phone call

412
00:25:05.160 --> 00:25:09.400
that hey, these taxes are do and this is when

413
00:25:09.440 --> 00:25:13.200
this is coming out. Question, is any of the stuff

414
00:25:13.200 --> 00:25:16.759
we're talking about just for truckers. Now, we specialize in

415
00:25:16.839 --> 00:25:20.839
doing truckers, but we do service other clients and other

416
00:25:20.880 --> 00:25:25.240
small businesses all across the country as well. Trucker Tax

417
00:25:25.279 --> 00:25:32.079
Tools focuses on trucking, taxation solutions, tax relief, Taxation Solutions,

418
00:25:32.759 --> 00:25:36.400
does bookkeeping and taxes for all small businesses out there.

419
00:25:36.839 --> 00:25:40.240
These retirement accounts we just talked about can be applicable

420
00:25:40.240 --> 00:25:44.519
to any small business out there. So if you're looking

421
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for tax savings, they will use everything. You can use

422
00:25:51.119 --> 00:25:56.119
all these accounts to save yourself money on taxes. Next

423
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question we got coming in this has been rapid fire questions.

424
00:26:00.000 --> 00:26:04.960
I love it. Ken. I'm assuming the IRS leave your

425
00:26:04.960 --> 00:26:07.880
bank account and a negative status. So here's what happens.

426
00:26:08.119 --> 00:26:12.519
The IRS takes every dime out of your account. The

427
00:26:12.559 --> 00:26:16.599
bank you're banking with charges you a fee for honoring

428
00:26:16.759 --> 00:26:20.680
the banks or the IRS levee. So when they open

429
00:26:20.759 --> 00:26:24.279
your account back up, your account is at negative because

430
00:26:24.319 --> 00:26:29.240
you owe the bank your fee, everything else, every transaction.

431
00:26:29.680 --> 00:26:33.880
Let's say you had checks outstanding, you had debits outstanding

432
00:26:34.279 --> 00:26:38.640
that hit your account. After the IRS levey hits your account,

433
00:26:39.119 --> 00:26:42.440
your account is going to go negative. They will not

434
00:26:42.759 --> 00:26:47.680
pull any funds back from the IRS to make those payments.

435
00:26:47.880 --> 00:26:51.240
Too bad, So sad is what the bank is going

436
00:26:51.359 --> 00:26:54.039
to tell you. What you should have done is called

437
00:26:54.079 --> 00:26:57.880
taxation solutions, tax relief gotten the head of the problem,

438
00:26:58.480 --> 00:27:04.440
stopped this levee and then you would not have that problem.

439
00:27:04.519 --> 00:27:07.160
So if you've got a levey that's outstanding, you've got

440
00:27:07.160 --> 00:27:09.480
a final notice of intent to levy that maybe you

441
00:27:09.559 --> 00:27:12.000
received last week or the week before, or even on Friday,

442
00:27:12.039 --> 00:27:14.480
or even today, call us at eight eight eight nine

443
00:27:14.559 --> 00:27:17.920
three zero one zero one six again eight eight eight

444
00:27:18.400 --> 00:27:22.200
nine three zero one zero one six, and let us

445
00:27:22.200 --> 00:27:27.599
talk about getting relief for your tax problem. Or it

446
00:27:27.680 --> 00:27:32.920
gets to the IRS levee. You don't want the IRS

447
00:27:33.079 --> 00:27:36.079
levy and your bank account, then let's get a plan

448
00:27:36.240 --> 00:27:39.839
in place to put a solution that means you're going

449
00:27:39.920 --> 00:27:43.319
to have to do some work. Unfortunately, just because you

450
00:27:43.400 --> 00:27:45.759
hire us and we put a hold and we get

451
00:27:45.759 --> 00:27:49.039
a stop doesn't mean it's time to ignore us and

452
00:27:49.119 --> 00:27:52.960
the IRS. It means it's time to do the due

453
00:27:53.000 --> 00:27:55.799
diligence and the work that we ask you to do,

454
00:27:56.359 --> 00:27:59.640
put a final solution in place to solve this tax

455
00:27:59.720 --> 00:28:03.680
debt and get you some tax relief that you have

456
00:28:03.880 --> 00:28:08.720
been wanting, needing to get rest and get sleep. Hey,

457
00:28:08.799 --> 00:28:11.799
great questions, great questions. I love them.

458
00:28:12.079 --> 00:28:12.279
You know.

459
00:28:12.400 --> 00:28:15.960
I love doing IRS problem resolution and fighting the IRS

460
00:28:16.039 --> 00:28:18.920
and talking with the IRS and putting something to bed

461
00:28:19.400 --> 00:28:23.559
to where you can rest at night, sleep at night.

462
00:28:24.039 --> 00:28:27.200
And I get phone calls from people and saying, oh,

463
00:28:27.240 --> 00:28:30.000
thank god, I'm so happy to have you. So glad

464
00:28:30.039 --> 00:28:32.799
we went with you, or came back and decided to

465
00:28:32.839 --> 00:28:35.680
go with you, because you followed through with what you're

466
00:28:35.759 --> 00:28:37.880
going to do and what you said you're going to do.

467
00:28:38.119 --> 00:28:40.400
I had to couple people mad at me because we've

468
00:28:40.440 --> 00:28:44.000
been working on an issue for maybe nine months, but

469
00:28:44.160 --> 00:28:47.720
they have not actively done their part. You know, we

470
00:28:47.759 --> 00:28:49.680
needed bookkeeping. They didn't want to pay us to do

471
00:28:49.720 --> 00:28:52.559
bookkeeping for them for their business. We need bookkeeping to

472
00:28:52.599 --> 00:28:55.359
get the solution in place. If you just get it

473
00:28:55.440 --> 00:28:58.400
done for us, get it to us, that solution would

474
00:28:58.440 --> 00:29:00.359
already be there. We had a person and the one

475
00:29:00.400 --> 00:29:03.480
in an instant offering compromise, will okay provide this, and

476
00:29:03.519 --> 00:29:05.839
then you drag your feet. Four months later they're finally

477
00:29:05.920 --> 00:29:09.000
providing it and we're having to start all over to

478
00:29:09.039 --> 00:29:12.400
fight the irs. So if you hire somebody, be ready

479
00:29:12.839 --> 00:29:16.000
to get moving, get things done, especially if you run

480
00:29:16.000 --> 00:29:20.559
a small business or a big business. Let's get it done.

481
00:29:21.519 --> 00:29:24.119
Next question we had was would your company be able

482
00:29:24.119 --> 00:29:28.200
to do books and take take taxes for a company

483
00:29:28.200 --> 00:29:31.599
that is making under fifty thousand dollars a year. Absolutely,

484
00:29:32.039 --> 00:29:35.400
we have great plans for your business. Give us a call,

485
00:29:35.599 --> 00:29:38.319
let us get started. Hey, when we come back, we're

486
00:29:38.319 --> 00:29:42.880
going to talk about other tax saging saving strategies you

487
00:29:43.640 --> 00:29:46.359
in your life save you as much money as possible.

488
00:29:46.519 --> 00:29:50.119
Right back up, we have only scratched the surface of

489
00:29:50.240 --> 00:29:54.160
today's show. Please stand by as Barry Chief Power will

490
00:29:54.200 --> 00:29:59.759
be right back with tax talk for you as an

491
00:29:59.759 --> 00:30:03.079
owner our operator. You already spend too much time away

492
00:30:03.079 --> 00:30:07.200
from your family. Stop spending time doing paperwork. Go to

493
00:30:07.279 --> 00:30:12.160
Trucker tax tools dot com a solution built specifically for truckers.

494
00:30:12.480 --> 00:30:16.160
Trucker tax Tools dot Com makes your life run smoothly.

495
00:30:19.000 --> 00:30:21.799
Let's get back to tax stock for you with more

496
00:30:21.960 --> 00:30:23.799
tax stock once again.

497
00:30:24.279 --> 00:30:26.799
Here's your host, Barry G. Fallo.

498
00:30:29.119 --> 00:30:34.200
Hey, welcome back. You know tax strategies. I said, you know, hey,

499
00:30:34.200 --> 00:30:37.839
we started today Monday, and you name it. What could

500
00:30:37.920 --> 00:30:42.359
go wrong? Did go wrong? You know, trying to come

501
00:30:42.440 --> 00:30:44.759
up with, uh, you know what we're going to talk

502
00:30:44.759 --> 00:30:47.680
about today and making sure that everything was going to work. Hey,

503
00:30:47.799 --> 00:30:51.200
it was a Monday, but we made it. We're making

504
00:30:51.240 --> 00:30:54.559
it through this program. Thanks. It's all the wonderful and

505
00:30:54.680 --> 00:30:58.200
good questions we've been getting from our listeners out there

506
00:30:59.119 --> 00:31:02.599
across the country. We're glad to have you. You're looking

507
00:31:02.640 --> 00:31:05.960
for a tax strategy. Maybe you're a W two employee.

508
00:31:06.480 --> 00:31:10.400
In the first place, I start going back to IRA

509
00:31:10.759 --> 00:31:13.920
or retirement contributions. If your company has a four to

510
00:31:14.000 --> 00:31:20.079
h one k SEP offers matches. Maximize your contribution, and

511
00:31:20.119 --> 00:31:24.400
I don't care what age you are, change it. Maximize

512
00:31:24.400 --> 00:31:27.400
the contribution. Make that money come out before you ever

513
00:31:27.519 --> 00:31:31.720
see it, and you won't notice it, and you'll start saving.

514
00:31:32.160 --> 00:31:34.400
When my son came out of college, The first thing

515
00:31:34.440 --> 00:31:36.759
he asked me is, hey, you know the company I'm

516
00:31:36.799 --> 00:31:39.319
working for has a four to oh one K and

517
00:31:39.359 --> 00:31:41.880
I'm going to put I don't can't afford to put

518
00:31:41.920 --> 00:31:46.240
any money in there. No, son, Brian, you got to

519
00:31:46.319 --> 00:31:49.799
max your contribution into your four to oh one k

520
00:31:50.279 --> 00:31:54.000
a day and every day going forward. If you want

521
00:31:54.039 --> 00:31:58.400
to be a millionaire when you go to retire, don't

522
00:31:58.440 --> 00:32:01.480
count on Social Security, don't count on anything else. Count

523
00:32:01.599 --> 00:32:04.559
on yourself, big big boy. Puts your boots on and

524
00:32:04.559 --> 00:32:06.519
pull them up by the straps, and now learn how

525
00:32:06.559 --> 00:32:09.640
to live with what your net is out of your check.

526
00:32:10.079 --> 00:32:13.799
Maximize that company match. Maximize the funds that are going

527
00:32:14.160 --> 00:32:16.359
when he got married. The same thing for my daughter

528
00:32:16.400 --> 00:32:21.640
in law. Maximize your money going into your retirement. She

529
00:32:21.799 --> 00:32:25.359
was a teacher. Maximize the money going into teacher retirement

530
00:32:26.039 --> 00:32:29.920
in four three b's or any other vehicle to go through.

531
00:32:30.400 --> 00:32:34.839
Saves your money on taxes, maximizes your contribution. You will

532
00:32:34.880 --> 00:32:37.279
have a lot more money at retirement, and never ever

533
00:32:37.440 --> 00:32:41.400
ever ever touch that account, ignore it, hack like it

534
00:32:41.440 --> 00:32:45.319
doesn't exist. Amazing how that works. Can you ever wonder

535
00:32:45.400 --> 00:32:50.079
why the government itself has your employer with whole federal

536
00:32:50.119 --> 00:32:53.920
income tax, because if you had to make a quarterly

537
00:32:54.000 --> 00:32:57.240
tax payment, like many small business owners have to, you

538
00:32:57.279 --> 00:33:02.000
would hate taxes as much as every small business owner does.

539
00:33:02.119 --> 00:33:05.000
When you see what it does to your check. The

540
00:33:05.039 --> 00:33:08.119
first check you get, you notice it, the second, third, fourth,

541
00:33:08.200 --> 00:33:11.200
you probably notice it. The fifth you're done looking. You

542
00:33:11.240 --> 00:33:14.319
don't even pay attention to what comes out anymore. You're

543
00:33:14.359 --> 00:33:18.079
living on what that net is. So we tell you

544
00:33:18.559 --> 00:33:22.359
suck it up, buttercup. Make the contributions to your iras

545
00:33:22.799 --> 00:33:25.640
or four to one ks when your employer offers it

546
00:33:25.680 --> 00:33:29.200
to you, and you'll never feel it. Hey, you're a

547
00:33:29.359 --> 00:33:31.799
W two employee, you're looking for something else. Start a

548
00:33:31.880 --> 00:33:35.640
side hustle. Hey, make part of your phone bill tax deductible,

549
00:33:35.960 --> 00:33:40.440
make home office tax deductible. If you can, make sure

550
00:33:40.519 --> 00:33:45.400
you qualify mileage on your car. Go into your side hustle.

551
00:33:45.720 --> 00:33:49.440
Take advantage of them, those expenses, things that you're going

552
00:33:49.559 --> 00:33:54.880
to be using, and make them tax deductible. Free tax items.

553
00:33:55.000 --> 00:33:58.480
We always preach when I talk for up to success,

554
00:33:58.799 --> 00:34:02.519
someone are offered by Idea and the Foundation there, I

555
00:34:02.559 --> 00:34:09.119
always talk how do you maximize your tax savings? And

556
00:34:09.159 --> 00:34:13.480
it's by taking items that you are spending after tax

557
00:34:13.559 --> 00:34:17.800
dollars and making them before tax. You're moving them over

558
00:34:18.000 --> 00:34:20.519
from here, which is after you've already paid the tax,

559
00:34:20.559 --> 00:34:22.840
and then paying them and moving them over here and

560
00:34:23.960 --> 00:34:26.000
being able to expense it and pay it before you

561
00:34:26.039 --> 00:34:30.639
pay the tax. Deductible items where you're necessary expenses for

562
00:34:31.159 --> 00:34:34.760
your business, your side hustle, whatever you may be. You're

563
00:34:34.800 --> 00:34:38.679
now running a business, and now maybe you can rent

564
00:34:38.719 --> 00:34:43.119
your home using the Augusta rule fourteen days without reporting

565
00:34:43.159 --> 00:34:47.159
the income that you're earning from it to theirs. The

566
00:34:47.199 --> 00:34:49.159
only catch you got to be is it can't be

567
00:34:50.000 --> 00:34:55.000
your owners yours primary place of business. And you may

568
00:34:55.039 --> 00:34:57.880
have to have another office somewhere. Hey, but your office

569
00:34:57.920 --> 00:35:01.320
location can be anywhere. You've got to have one. So

570
00:35:01.360 --> 00:35:04.119
if you don't have a home office, you're not renting

571
00:35:04.159 --> 00:35:08.079
a room in your house or your business meetings or stuff.

572
00:35:08.400 --> 00:35:12.559
You can rent that home office use there for business meetings.

573
00:35:12.599 --> 00:35:15.360
Maybe you're doing some entertainment, you can do entertainment and

574
00:35:15.400 --> 00:35:21.159
write off that entertainment. You're entertaining clients, future clients, prospects,

575
00:35:21.960 --> 00:35:26.960
friends that maybe prospects or be able to send you referrals.

576
00:35:27.800 --> 00:35:31.320
All that can be in line with renting your home

577
00:35:31.440 --> 00:35:35.519
and marketing for your business, or maybe now you get

578
00:35:35.519 --> 00:35:39.119
the side hustle and you're looking for other places, and

579
00:35:39.239 --> 00:35:41.559
you decide you want to take a trip, and part

580
00:35:41.599 --> 00:35:44.360
of that trip is to get business. You can redo

581
00:35:44.920 --> 00:35:49.119
your vacation costs by deducting a percentage of expenses spent

582
00:35:49.639 --> 00:35:53.159
for business purposes. This can include your airfare, part of

583
00:35:53.199 --> 00:35:56.599
your hotel bill proportionate to the amount of time that

584
00:35:56.639 --> 00:35:59.960
you spend there on business activities. But you got to

585
00:36:00.119 --> 00:36:03.639
be very cautious mixing business and pleasure. Business owners who

586
00:36:03.880 --> 00:36:06.199
you know generally all get to get greedy using this

587
00:36:06.320 --> 00:36:10.360
write off and begin writing off expenses that aren't legitimate business.

588
00:36:10.760 --> 00:36:13.159
You can find yourselves in deep trouble with the irs

589
00:36:13.199 --> 00:36:15.800
if you get audited. You got to apply, Hey, a

590
00:36:15.800 --> 00:36:18.199
little common sense. You don't see that very much anymore,

591
00:36:18.920 --> 00:36:22.000
but you do need to apply some common sense to

592
00:36:23.000 --> 00:36:29.000
using a write off using your business for travel. Hey,

593
00:36:29.000 --> 00:36:31.960
our travel this weekend was a complete write off. We

594
00:36:31.960 --> 00:36:36.119
were making stops talking to truckers at truck stops all

595
00:36:36.159 --> 00:36:39.079
along the way because one we were using it for

596
00:36:39.199 --> 00:36:41.880
marketing for our business. When I travel, it's about marketing,

597
00:36:42.199 --> 00:36:45.400
it's about bringing in new clients, or even just finding

598
00:36:45.400 --> 00:36:48.239
out what truckers do or what they're looking for when

599
00:36:48.280 --> 00:36:51.440
we go into small businesses. My wife and I work

600
00:36:51.480 --> 00:36:54.039
together in this business. So maybe we're going out to

601
00:36:54.320 --> 00:36:56.800
a new restaurant and we asked to meet the owners,

602
00:36:56.840 --> 00:36:59.760
and we talked to the owners of the managers, because

603
00:37:00.159 --> 00:37:03.320
they're not just to eat, but to try to earn

604
00:37:03.400 --> 00:37:07.239
somebody's business. My daughter and my kids laugh at me

605
00:37:07.320 --> 00:37:10.599
because when I walk into a place, I have to

606
00:37:10.880 --> 00:37:15.679
like to talk. Imagine that, and that means I'm having

607
00:37:15.719 --> 00:37:19.079
a conversation with managers. We're an owner of a business

608
00:37:19.480 --> 00:37:22.239
talking about how their business is, how it's going, kind

609
00:37:22.239 --> 00:37:26.599
of establishing a poor rapport with them to maybe one

610
00:37:26.679 --> 00:37:30.320
day sell them on bringing their business to us, or

611
00:37:30.320 --> 00:37:32.960
finding out if hey, there's a tax problem and you

612
00:37:33.079 --> 00:37:36.800
need help, finding out if there's some way we can

613
00:37:36.840 --> 00:37:39.840
help them in their business and be of service to

614
00:37:40.039 --> 00:37:44.719
them to help them go through. You know, other ideas.

615
00:37:44.840 --> 00:37:48.840
If you're in business, things that you can do is

616
00:37:49.360 --> 00:37:54.239
accelerate appreciation on business assets. Now that does not mean

617
00:37:54.840 --> 00:37:56.920
run out and buy a new piece of equipment just

618
00:37:56.960 --> 00:37:59.119
so you can get the depreciation. Come on, let's be

619
00:37:59.159 --> 00:38:02.000
coming some common sense to them. I hear people all

620
00:38:02.559 --> 00:38:07.880
all the time talking about, Hey, my CBA or my

621
00:38:08.000 --> 00:38:10.079
tax guy told me, gave me a guidance of my

622
00:38:10.239 --> 00:38:12.920
enrolled agents, said go out and buy a new truck

623
00:38:13.039 --> 00:38:16.239
or a new piece of equipment because it's gonna save

624
00:38:16.280 --> 00:38:19.280
me money on my taxes. Yes, it will, okay, be honest,

625
00:38:19.360 --> 00:38:21.880
it will. But is it the right thing to do

626
00:38:22.000 --> 00:38:24.840
for your business? Does it make your business more efficient

627
00:38:25.199 --> 00:38:27.519
or cost effective? Does it help you in the business.

628
00:38:27.599 --> 00:38:30.360
If you can't answer yes to any of those, you're

629
00:38:30.400 --> 00:38:34.519
just replacing some good piece of equipment with a newer

630
00:38:34.559 --> 00:38:37.199
piece of equipment to get the depreciation in the write off.

631
00:38:37.559 --> 00:38:39.880
If you spend one hundred thousand dollars on it to

632
00:38:40.119 --> 00:38:43.079
get a twenty five thousand dollars write off, you're still

633
00:38:43.119 --> 00:38:46.119
out seventy five thousand dollars. And if you didn't pay

634
00:38:46.119 --> 00:38:49.639
cash for it, you have an extra loan out there

635
00:38:49.679 --> 00:38:54.039
that you're paying interest on every single month, principle and

636
00:38:54.199 --> 00:38:57.239
interest going out of your account, and that's money that

637
00:38:57.800 --> 00:39:00.880
hurts your cash flow. So you may have provided you

638
00:39:00.920 --> 00:39:03.639
that tax savings, but it also has costing you a

639
00:39:03.639 --> 00:39:08.000
lot more money, especially if you're replacing a perfectly good,

640
00:39:08.320 --> 00:39:12.239
valuable piece of equipment with something else that doesn't make

641
00:39:12.320 --> 00:39:17.639
sense business wise or efficiency wise. So using bonus depreciation

642
00:39:17.880 --> 00:39:21.239
sometimes isn't even the right thing, because sometimes it's taking

643
00:39:21.280 --> 00:39:25.599
and using depreciation at a lower tax rate than once

644
00:39:25.639 --> 00:39:29.000
your future tax rate may be. Or maybe you bought

645
00:39:29.000 --> 00:39:31.119
this new piece of equipment knowing that you're not going

646
00:39:31.159 --> 00:39:34.480
to continue using it or being out of business next

647
00:39:34.719 --> 00:39:38.559
few years, and now you've taken on the depreciation, you

648
00:39:38.599 --> 00:39:41.360
turn around and sell your piece of equipment, and now

649
00:39:41.440 --> 00:39:44.960
you have income coming in because there is no basis,

650
00:39:45.039 --> 00:39:47.920
and you pay tax on it as well. Hey, couple

651
00:39:47.960 --> 00:39:50.960
of questions. I love to work on finishing this out

652
00:39:51.000 --> 00:39:55.880
with questions. How does affiliate marketing fit into a tax

653
00:39:56.239 --> 00:40:01.960
if you're making a commission from affiliate, Well, when you're

654
00:40:02.000 --> 00:40:07.719
referring to affiliate programs, we refer to some affiliate programs.

655
00:40:07.760 --> 00:40:12.199
Sometimes our marketing is around getting new clients, not just

656
00:40:12.280 --> 00:40:15.480
for us, but for them. So if we're referring some

657
00:40:15.599 --> 00:40:19.960
of these people over to an affiliate of ours, we're

658
00:40:20.000 --> 00:40:24.199
able to take the deduction for marketing as an expense

659
00:40:24.400 --> 00:40:29.800
against that affiliate income as well. So being the Hey,

660
00:40:29.840 --> 00:40:34.000
sometimes your business out there is combining a couple of

661
00:40:34.039 --> 00:40:36.280
different things. You'll be able to write it off as

662
00:40:36.280 --> 00:40:40.559
you go. Even if it's your businesses all around receiving

663
00:40:41.639 --> 00:40:44.840
leads and referring them to an affiliate so you can

664
00:40:44.880 --> 00:40:47.360
earn your commission. Yes, you can write that off against

665
00:40:47.400 --> 00:40:53.159
that as well. Here's one our hot shot truckers included

666
00:40:53.199 --> 00:40:58.159
in the trucking service you offer. Absolutely, we have several

667
00:40:58.280 --> 00:41:02.239
hot hot shot truckers out there that we work with.

668
00:41:03.679 --> 00:41:08.199
Our service is based at Trucker Tax Tools around trucking industry,

669
00:41:08.320 --> 00:41:12.800
transportation industry across the board, so you know, if you

670
00:41:12.960 --> 00:41:17.000
need help, you know, give us a call, Give Trucker

671
00:41:17.079 --> 00:41:21.559
Tax Tools a call, and you know, come see us

672
00:41:21.920 --> 00:41:25.360
eight seven seven nine six six two four seven seven

673
00:41:25.880 --> 00:41:29.480
again eight seven seven nine six six two four seven seven.

674
00:41:29.599 --> 00:41:33.440
Let us get you started talking about your bookkeeping taxes

675
00:41:33.480 --> 00:41:36.559
with us. Hey, our low class plans we're twenty five

676
00:41:36.599 --> 00:41:39.880
dollars a week, and if you're an o IDA member

677
00:41:39.920 --> 00:41:42.440
you get all kinds of discounts. If you're not, we'll

678
00:41:42.519 --> 00:41:45.519
even have a great program where we'll pay for your

679
00:41:45.519 --> 00:41:51.199
first years membership with IDA Owner Operator Independent Drivers Association.

680
00:41:52.199 --> 00:41:54.559
We love those guys over there, and we also work

681
00:41:54.639 --> 00:41:58.639
with a few other trucking associations out there as well,

682
00:41:58.679 --> 00:42:01.800
in a bunch of real estate associations across the country.

683
00:42:03.199 --> 00:42:06.639
So you know, we're here to help view and your

684
00:42:06.679 --> 00:42:09.280
business and small business. If you happen to have a

685
00:42:09.320 --> 00:42:15.639
tax problem, hey, give us a call. Taxation Solutions, Tax Relief,

686
00:42:15.800 --> 00:42:21.639
Taxation Solutions dot net. We helped fight IRS problems. You

687
00:42:21.679 --> 00:42:23.679
can call the same number at truck or tax Tools,

688
00:42:23.800 --> 00:42:25.760
or you can call us direct at eight eight eight

689
00:42:26.280 --> 00:42:29.719
nine three zero one zero one six eight eight eight

690
00:42:29.840 --> 00:42:32.599
nine three zero one zero one six and speak in

691
00:42:32.679 --> 00:42:35.320
affiliate marketing. If you're doing affiliate marketing and you know

692
00:42:35.360 --> 00:42:39.559
somebody that needs help, whether it's bookkeeping for truckers or

693
00:42:39.639 --> 00:42:44.199
small business or tax relief. Hey, we have affiliates around

694
00:42:44.199 --> 00:42:47.400
the country as well that you know. Hey, we pay

695
00:42:47.400 --> 00:42:51.039
for the referrals once they become a client. We love

696
00:42:51.079 --> 00:42:56.119
the referrals coming from our friends and family. You know,

697
00:42:56.199 --> 00:42:59.000
when you're sitting around the table on a holiday or

698
00:42:59.039 --> 00:43:02.079
out on the picnic, somebody talks about a tax problem. Hey,

699
00:43:02.239 --> 00:43:05.840
you know, hey, God God for that Barry Fowler over

700
00:43:06.039 --> 00:43:09.239
Taxation Solutions, tax Relief. We got the guy. I got

701
00:43:09.519 --> 00:43:12.079
the guy in trucking. I got the guy that can

702
00:43:12.079 --> 00:43:14.639
help your small business. This is what we're all about.

703
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Connect with us over on Facebook. You can go to

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Taxation Solutions Facebook. Connect with us on Instagram, truck or

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tax Tools dot com, truck or tax Tools Facebook, Trucker,

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tax Tools Instagram, and of course tax Talk for You

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dot com. Follow us over there, like it, share it,

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love it, but whatever you do, be back here next Monday,

709
00:43:39.599 --> 00:43:43.679
nine am Eastern time right here on W four CY Radio.

710
00:43:44.599 --> 00:43:48.800
Truck or tax Tools and tax Talk for You, Taxation Solutions.

711
00:43:49.039 --> 00:43:52.079
Thanks for joining me, Thanks for the questions today. Look

712
00:43:52.119 --> 00:43:55.519
forward to seeing you next week right here at tax

713
00:43:55.599 --> 00:43:58.360
Talk for You dot com. Thank you having God blessed

714
00:43:58.480 --> 00:43:59.159
glorious week.

715
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Are you an individual or business that wants to understand

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taxes and how they affect you. Are you looking for

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specific tax advice for self employed business owners and truckers.

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Are you behind on taxes and your book keep Are

719
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you dealing with the irs and ready to have some relief,

720
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Then you need Tax Talk for You, hosted by tax

721
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and trucker expert Barry G.

722
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Fowler EA.

723
00:44:28.360 --> 00:44:32.159
Tune in ten am Eastern time every Monday right here

724
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on W four CY radio and Talk for TV. Don't

725
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forget to check this and past episodes at tax TALKFORU

726
00:44:39.960 --> 00:44:46.440
dot com. See you next week at W fourcy dot com.