A Look Under The Hood | How Much Does the Average American Actually Pay in Taxes? | Ep 4

Audio Transcription

11.11.17 – How Much Does the Average American Actually Pay in Taxes?

Description – During today’s broadcast, Paul Hood CPA and business coach Clay Clark break down how much money the Average American actually pays in taxes. If you feel as though you might be missing out tax deductions you are probably right. On today’s broadcast you will learn more than you want to know about the 97 taxes that most Americans pay.

Show Notes:

What percentage of your income do you actually spend on taxes?

Step 1 – You pay income tax

Step 2 – You then pay sales tax

Step 3 – You then pay property tax

Step 4 – You then pay capital gains taxes if you invest and make a profit

Step 5 – You then pay additional taxes if you buy yourself a beer

Step 6 – You then pay taxes on virtually any activity you engage in…

Step 7 – You then die and your estate will be taxed

A List of 97 Taxes That Most Americans Pay

#1 Air Transportation Taxes (just look at how much you were charged the last time you flew)

#2 Biodiesel Fuel Taxes

#3 Building Permit Taxes

#4 Business Registration Fees

#5 Capital Gains Taxes

#6 Cigarette Taxes

#7 Court Fines (indirect taxes)

#8 Disposal Fees

#9 Dog License Taxes

#10 Drivers License Fees (another form of taxation)

#11 Employer Health Insurance Mandate Tax

#12 Employer Medicare Taxes

#13 Employer Social Security Taxes

#14 Environmental Fees

#15 Estate Taxes

#16 Excise Taxes On Comprehensive Health Insurance Plans

#17 Federal Corporate Taxes

#18 Federal Income Taxes

#19 Federal Unemployment Taxes

#20 Fishing License Taxes

#21 Flush Taxes (yes, this actually exists in some areas)

#22 Food And Beverage License Fees

#23 Franchise Business Taxes

#24 Garbage Taxes

#25 Gasoline Taxes

#26 Gift Taxes

#27 Gun Ownership Permits

#28 Hazardous Material Disposal Fees

#29 Highway Access Fees

#30 Hotel Taxes (these are becoming quite large in some areas)

#31 Hunting License Taxes

#32 Import Taxes

#33 Individual Health Insurance Mandate Taxes

#34 Inheritance Taxes

#35 Insect Control Hazardous Materials Licenses

#36 Inspection Fees

#37 Insurance Premium Taxes

#38 Interstate User Diesel Fuel Taxes

#39 Inventory Taxes

#40 IRA Early Withdrawal Taxes

#41 IRS Interest Charges (tax on top of tax)

#42 IRS Penalties (tax on top of tax)

#43 Library Taxes

#44 License Plate Fees

#45 Liquor Taxes

#46 Local Corporate Taxes

#47 Local Income Taxes

#48 Local School Taxes

#49 Local Unemployment Taxes

#50 Luxury Taxes

#51 Marriage License Taxes

#52 Medicare Taxes

#53 Medicare Tax Surcharge On High Earning Americans Under Obamacare

#54 Obamacare Individual Mandate Excise Tax (if you don’t buy “qualifying” health insurance under Obamacare you will have to pay an additional tax)

#55 Obamacare Surtax On Investment Income (a new 3.8% surtax on investment income)

#56 Parking Meters

#57 Passport Fees

#58 Professional Licenses And Fees (another form of taxation)

#59 Property Taxes

#60 Real Estate Taxes

#61 Recreational Vehicle Taxes

#62 Registration Fees For New Businesses

#63 Toll Booth Taxes

#64 Sales Taxes

#65 Self-Employment Taxes

#66 Sewer & Water Taxes

#67 School Taxes

#68 Septic Permit Taxes

#69 Service Charge Taxes

#70 Social Security Taxes

#71 Special Assessments For Road Repairs Or Construction

#72 Sports Stadium Taxes

#73 State Corporate Taxes

#74 State Income Taxes

#75 State Park Entrance Fees

#76 State Unemployment Taxes (SUTA)

#77 Tanning Taxes (a new Obamacare tax on tanning services)

#78 Telephone 911 Service Taxes

#79 Telephone Federal Excise Taxes

#80 Telephone Federal Universal Service Fee Taxes

#81 Telephone Minimum Usage Surcharge Taxes

#82 Telephone State And Local Taxes

#83 Telephone Universal Access Taxes

#84 The Alternative Minimum Tax

#85 Tire Recycling Fees

#86 Tire Taxes

#87 Tolls (another form of taxation)

#88 Traffic Fines (indirect taxation)

#89 Use Taxes (Out of state purchases, etc.)

#90 Utility Taxes

#91 Vehicle Registration Taxes

#92 Waste Management Taxes

#93 Water Rights Fees

#94 Watercraft Registration & Licensing Fees

#95 Well Permit Fees

#96 Workers Compensation Taxes

#97 Zoning Permit Fees

NOTABLE QUOTABLE – “We simply attempt to be fearful when others are greedy and to be greedy only when others are fearful.” – Warren Buffett

The Difference Between Operating as an LLC and a Sole Proprietor

Sole Proprietor Definition – A business that legally has no separate existence from its owner. Income and losses are taxed on the individual’s personal income tax return. . The sole proprietorship is the simplest business form under which one can operate a business. The sole proprietorship is not a legal entity.

Limited Liability Definition – A limited liability company (LLC) is a corporate structure whereby the members of the company cannot be held personally liable for the company’s debts or liabilities. Limited liability companies are essentially hybrid entities that combine the characteristics of a corporation and a partnership or sole proprietorship.

From the business coach Thrive time show studios in the box that rocks it is Tulsa’s number one CPA in every way. It’S time to take a look under your financials with Paul huh. Asking me why Tulsa in welcome back to the incredible Show the incredible show a look under the hood with the man with the plan. Mr. Paul Hood he’s a great American and he invests his time every week to teach you the Practical tips that, Unfortunately they just don’t teach it. Since it’s sad, but so many people are you get out there you get out of college, you go out there. You start a business, you get a job and no one really explain to you how taxes work you just don’t realize what percentage of your income? Actually you owe in taxes and so Paul Hood.

I mean I’m excited to have you on the show today, but can you go to explain as a CPA, maybe how shocked most people are the first time that they get a big promotion or a big bonus or big their business grows and they discovered. I owe taxes well good morning beautiful morning. Sometimes people think that Target you get success. You buy the fancy car, the bouncy house and everything’s happy, but they forget that got a business partner in that business. Partner really doesn’t do a whole lot, but is always right. There, with their I hand out, taxes are the biggest expense that you have. Unfortunately, it’s proven that 50 % of investment gains go to taxes and then, as you climb, we have this great thing called a progressive tax system. As you are more successful, the government’s to the same job well done here, you get to keep more, they say job well done here, give us more so it so, I’m not sure if that’s a fair thing clay what you think I would encourage everybody for listening Right now, if you don’t know how much you actually pay in taxes, if you just don’t ever thought about it before, I challenge you this morning, is a nice way to start your Saturday. I encourage you to look at your check. Your last thought, if you were getting these automatic deposited checks now Paul. That’S the new movie we’re getting the check deposited, so they really don’t even know it do a scenario and I’m not going to put you on the spot, because I know you guys at Hood. Cbs.Com, you pride yourself an accuracy, but I just want to see up a scenario. Let’S say that somebody out there makes approximately ,1000 a week. Okay, so they’re on a salary, and you know you you and Bryce . This is what you guys do there, making 100,000 a year as a business coach.

Talk to me about how much taxes does the pages of the income site? Let me forget: the property taxes forget the other taxes. You no talk to me just on an income level. How much is a percentage? How much are their checks going to be missing if the person is making 52,000 AKA of expect to get ,000 a week in the bank? How much of that checks probably going to be missing? Well, there they’re probably going to get 55 % of it give or take. Okay, that’s fair! I don’t think that’s very fair and you know, but there are, there is some proactive planning that we can do that. It’S a lot easier when you own your own business. The tax code is written for people that own their own business and employs a lot of times get the short end of the stick play some examples of taxes. I don’t think people are are, are aware of the Odyssey of state taxes. You have to pay federal taxes. You’Ve got a FICA there’s a lot of different taxes that are coming out of here, the taxes that have it after you get the /bin/sh.55 in Bryce. I want to get your take on this okay. So let’s say that I did make ,000 this week and I actually get into my checking account. Okay, because I may be okay, I will okay, I might have a bunch of write-offs. Maybe I do everything right. I work with you guys and I’m not paying 50 %. Taxes are 45 %. Maybe I can write off, maybe now I have so. I actually made it ,000 of income, and now I have 700 in my bank account to people typically save money for property taxes. Do they factor that into the people think about property taxes, Paul DC? This is this something you say all the time people are. People’S of people wearing property. Taxes are aware of a claim, but it’s it’s there’s a sneaky. It’S ran through their escrow, usually yeah, and so they don’t have to plan for it. I think it, I think, that’s a good move on the government’s part, because a lot of people probably wouldn’t pay their payroll over there a real estate taxes. Otherwise I as a business coach was going to come there to a blast, but you have you have left.

Then you pay some property taxes Bryce. What’S your next favorite tax, do you prefer paying taxes at the grocery store? Do you like paying taxes on an automobile? What’S your favorite next text, I love them all every one of them, especially whenever you go to restaurant and you get mad and maybe maybe had a little adult beverage. Oh yeah yeah. I noticed the other day my my total sales tax after Maya adult beverage. Maybe do was like 20 % alcohol. When you buy a boat, they add taxes, anything you do your taxed and taxed and taxed to get it eventually. What I’ve discovered. I want to repeat this down to the tribe Nation, a typically after all, taxation. You only get to keep about 4 cents on the dollar after you pay income, tax property, tax, business tax tax for your alcohol tax for and then there’s things that the government will not call taxes but are actually taxes so Paul. Let’S get into the house. Okay to like, when you ride a toll road, when your mind is a toll road attacks, or is that not in your mind me? Would you classify that mentally as a tax? Would you go that’s just simply if we did not in any way to feed the government’s, not actually sure I did you know they make try to say it’s not a tax, you know, maybe it’s a tip, maybe it’s a a gratuity or something out of it. Now it’s attacks it there they’re charging you we pay real estate taxes, we pay sales. Taxes are supposed to take care of a road but yeah. They come up with these nice little schemes that we get a little extra tax. We get to drive on this road but that you got to pay a little extra another good example. Clay is is going to look at this extra 3.8 %, they called a Medicare tax, but you know that the extra one that goes on your tax return. If you don’t know about, if you make more than ,000 a year, it’s better, but no then go to Medicare my gosh. I am paying a lot of tax on lot. A lot, a lot of taxes.

I didn’t even think about what you business coach guys are talking about, but now I’m realizing you know what I I probably would like to meet with a CPA to help me minimize my taxes, I’m not talking about not paying taxes, I’m not talking about tax evasion. I’M talking about working with a CPA, certified accounting, professional somebody who knows what they’re doing to sit down with you to help you minimize your taxation. Call you about a gift for a listeners out there you’re willing to sit down with them for an hour of Paula to help them minimize their taxes. Can you walk? Can you walk us through what were they get? What what book are you giving away for everybody who will schedule a one-hour consultation with unity, wet clay? It’S it’s! We make it easy like the government. Can we make it really easy all your dad, it’s easy, except for work, giving instead of taking that’s nice, calm. Hood CPA, s.com and I fill out the form will send you Warren Buffett, everybody’s heard of Warren Buffett and Warren Buffett has a different outlook on taxes, different outlook on making money and just fill out that form and will send you that book and then also do You can register for, like you say, the free hour of power. It’S free, it doesn’t cost anything play. It’S not like the government saying it goes to Medicare, but it doesn’t go to Medicare. It’S free. We don’t charge it. We don’t we’re not looking for anything like that, and a sit-down will visit. We want to get to know you what Warren Buffett is a guy that want to just kind of just like a lot of people who know the name, but they may be. Don’T know how he built his wealth, you think about Coca-Cola. That’S a Warren Buffett company! Now you think about Bank of America. That’S at Warren Buffett to company! Now you think about the Geico. That’S a born Buffett coming to See’s Candy in the mall. That is a Warren Buffett. Come have a Berkshire Hathaway Real Estate. When you see those signs up everywhere now and then, when the recession hit, those guys started buying massive quantities of a real estate, and how did he go from somebody with really no money? As a kid, he grew up being a lower-middle-class. How does he go from lower-middle-class to becoming the world’s most outstanding investor worth 80 billion dollars? 8880 Jeff Bezos of Amazon is worth /bin/sh.82. Warren Buffett is in that class of that rare.

If you want to know specifically how he did it, you got to get the book snowball and you can get that by going to hood CPAs. Hood cps.com call missing what your take on this pump when somebody has never worked with a proactive account to help them Minimize their taxes, I Bryce. What is that first meeting, look like what it was at first meeting with you guys, look like when they come in, they said hey, you know what I’m an employee make some money I make about. You know 80,000 a year, and I want to leave me with you guys to see if I can do some tax planning, some investment planning for retirement planning. How? What is that first meeting with you guys, look like we really just get to know them a little bit deeper, find out what is going on with their Works work life with their money, where they spending their money on. We take a look at their prior year’s tax return and then we just kind of start walking them down the path of helping them mitigate those taxes as much as the tax code allows nail polish. How common is it for the average person listening to the show right now, the average person to be missing at least ,000 of tax deductions that they could have taken? This meeting with you could be worth ,000 to some people mean little you meet with you, and you can be missing out on ,000 of tax savings as a percentage. If you were to meet with what’s a hundred hundred potential clients, what percentage of them could at least save ,000 85 % 85, and did you say billion 80 billion took to get the same at partly because taxes are so high? You know it and people just a simple example like if you I have a job 8 to 5 job in you come back in the evening or you go in on Saturday or let’s say you have a second job. Second job. So I got your mileage from home to going back into work after hours on weekends or your and your mileage. Your second job is deductible. It is. It is out to pump that right there listening to the show right now in Courage you to go to hood CPAs. You know you want to do it. You’Ve got to schedule your free consultation, because two great things are going to happen. One you could potentially save ,000 or more in write-offs you’re missing out on 85 % of you Paul speculates over 85 % of you. Where does he get that? Never he’s only been the CPA, since I was like 3 years old, no since 1989. How old are you? How old are you now, so you been CPA for 420 20-something years of that Going on 30 30 years longer than you have absolutely 75 % of you could be saved at least ,000 this year and check it out check it out. You could get a free copy of business coach Warren Buffett’s book Snowball, the the book, The Specific, the only authorized biography Warren Buffett has ever done. You can get a copy of that book for free and going to be with Paul hood for free.

That is no such thing as a free lunch. Obviously they would love to be your tax planning services in to help you, but when we come back from break, I want to get more into this, but I think it’s so important that everybody listen to show has a financial plan. That’S the plan, do you do what we were talking about taxes? Are you save it for taxes, but are you saving for the future Paul be made with 100 people for the first consultation? What percent of those people have a financial plan every retirement plan a plan for the future that extends Beyond I’m going to go to Taco Bueno tonight’s. Tomorrow morning I will go to Taco Bueno again, maybe Sunday I go to Brahms, I come home. I go. People have a plan for their financial future extends Beyond just the weekend or that night, but clay it’s it’s kind of sad. You know more people spend more time planning for what they’re going to wear next week. Look at the weather or what football games are going to watch than they do on their financial future and its you have to be deliberate. You can’t just accidentally fall into success. You know, maybe you accidentally find a lottery ticket on the ground. That don’t happen very often you win, but you have to be proactive. You have to be deliberate for my financial. We can be positive if you find it, will you split it with me since it’s you work working together here. I have a funny story. I want to share with the listeners one of our former employees. One of my companies call DJ connection.com. He told me he’s going through a tough financial bind. She said I’d like to ride with you guys to the bridal show share the car with you ride with you, as opposed to paying my own way what every time we pull over gas would really pulled over for twice during the trip he bought. Like 40. Bucks of lottery tickets – and I said you bought of ticket since you’ve, been in the car with me. He goes well. I try to set aside about a hundred a week to invest in those because you can’t win. If you don’t play that I remove. I don’t know if that’s so he’s not wrong to hood CPAs., Come to the hood cpa.com and schedule your free consultation and claim your free copy of Warren Buffett’s book snowball. It’S a game-changer that appointment alone can save you over ,000 in potential taxes. Think about the same things, it is Google’s to go. Look at the hood show with Paul hood and Clay Clark stay tuned.

Have you ever found yourself running out of money before the end of the month? Are you saving enough for retirement? Are you getting ahead financially? Tulsa, if you need to look under your hood, you come to the right place. It’S a look under the hood with Tulsa EPA every way to 51st Street and welcome back to the look under the hood show with Paul hood, and I tell you what it’s definitely 9 a.m.. But it definitely made me feel to some of you as though it’s 5:19 a.m. so you might feel like you might say this show. I know it’s at 9, but for me it feels like 5, because the way that I like to Boogie the way I like to party the way I like to go out and just have a good time on my Friday nights when I heard this 9 a.m. Show its it felt like me before, to tell me, I feel, like you made me, have been in a car 4 a.m. to get the ready for the 5 a.m. show excited to wake up with you excited too. We don’t need to wake you up and then beat you over the head with negative news, but this just in almost everybody listening to the show, after paying income, tax sales, tax, property, tax, excise tax, the library text toll road fees, tax on goods and services, sales Tax after paying luxury taxes, airplane taxes, airport taxes, please, after you paid all the taxes, penalties for taking money out early after you’ve done all that you’ve spent about 60 % of your income on taxes. Then, if you have a business that successful every time you make more money, they take more money. So what happens? If you end up getting these extra tax bills, you aren’t prepared for – and you end up now, spending about 70 % of your income on taxes. Unless you have a proactive financial planner who can help you view your accounting proactively and not reacted like someone will call you and say hey if we do.

Yes, we can minimize taxation because we didn’t do that. You now owe this. Is it entirely different relationship? A different conversation: it’s like having a tour guide versus being having the did the tour guide. Follow you say no, I don’t know where we’re going so Paul hood is certifiably. The number one CPA in Tulsa he’s been doing this for over 30 years. He knows what he’s talking about Paul, I’m so excited to hear this from you, because I know you have countless examples, but can you think of the example where you met with somebody for their free consultation? You know I listen to the show, so we maybe they reached out to you at Hood cbs.com. They fill out the form they schedule the meeting and you were able to save that person would say more than ,000 a year in taxes. I don’t know if we need to have a disclaimer here. You know this early weekend morning, people some people, not everybody. Some people are just getting up. Some people are just going to bed the people just going to bed, even though you said the things you said about taxes and synonym, exciting way, this kind of a downer and some thinking some of those people are going to turn right around and go back out I’Ll go back out drinking in the morning, maybe the leading cause of day drinking nights. Okay, here’s an example of how about. If I can show you how the IRS would you could put money in an IRA and the IRS would give you more than that back if you put money in an IRA the who could get what back the Earth’s Internal Revenue Service? Yes, individual retirement account. So you can put ,500 on it. So here’s the scenario on his happens over and over and over and over – and this is what a proactive CPA does so you come in and you you know this Obamacare. If you heard of Obamacare Obamacare obamacare’s is Obama. That sounds like a good rap Obamacare. You have Obamacare and if you qualify blah blah blah you go in, they pay part of your premiums for it, and then it’s your on your tax return to Deer. You report: what’s: your income was because you asked me during come to figure out what part of your health insurance you pay. Well, sometimes you you, you actually have a good year and your income is higher and therefore Uncle Sam says here. Give me some of that money back so we’ve had scenarios to wear their income is X and they’ve got to pay back ,000 of that premium credit, but we show them if you put ,500, if you just think outside the box, you put ,500 or sometimes it’s ,000 into an IRA at lowers their income to enough to where they don’t pay any that premium back. So if somebody’s listening to the show right now – and they say why do not have an account already have it I’m already paying taxes I go down to you – know Jackson Hewitt or do I go to the mall I go to the mall ago?

I thought I go to Walmart. I go to a Steelers. What is big box stores where the guy sets up a kind of a little kiosk there he sets of a cubicle. You know something classy yoga, keep it go out to this lady dressed up like that and other the Statue of Liberty. There’S a guy. You know it’s like Uncle Sam, pointing at you all the time and you’re like it’s right. In my taxes I mean you know, pull in 70,000 the year and that’s how that’s where I go. That’S my guy! That’S why I moved that might be. Why do why would they need to meet with you guys, cuz, I mean. Obviously, I know for my just tell if you’re looking to hang out with two beautiful guys, you’d ever want to meet with with Bryce and Paul, but why would somebody listening actually want to meet you guys? Well, the reason I would want to meet us is even just to look. You know when does the title of this show is take a look on your financial Hood. I have zero problem investing time and anybody that wants to come to our website fill out the form get that free hour to meet with us I’ll get your tax return. If we can’t save you money, then we’ll tell you to stay where you’re at now 90 % of the time. That’S not what’s happening, because these big boxes, they may do a good job. You know they just like McDonald’s, make cook a good burger, but you know the reality is. If you take the time and we look through and 90 % of the time, we can save you two three four five times what you’re going to pay it, and so that’s getting basically something for nothing actually making money. Now, if you’re listening to show today Paul you’re giving a gift all the listings, I like the Santa Claus the early morning, all the kind of guy who says you listen Tulsa we’ve got thousands and thousands of people out there and if you all want to claim This we we have a gift for you. We have something for you. We have something of value on. It can explain the listeners what you’re giving them today. I absolutely what we’re giving you the I like to try to teach your people to think outside the box. I try to think outside the box. You know you the average person we want to be a lemming and follow people around. We want to do the opposite. Like  business coach Warren Buffett says you need to be a fearful when other people are greedy and greedy, when other people are fearful and so Warren Buffett’s book. The Snowball is a great perspective on how to look outside the box. I mean the man is. Very you know. It’S relatively successful with you know, anytime you’re done Wow net worth starts with a B. I don’t care what numbers before the baby the baby. If it’s got to be in front of it, you’re doing okay, so we’re giving away Warren Buffett’s book snowball it’s about his life and and the way he thought about things and how you went from something from you knows a kid to six years old.

You know he was multitasking the paper out all the way out to all the companies announced today. So just go to our website. Hood cps.com hood CPA s.com. Send you the book for free no obligation and if you want to go ahead and set up a time to meet with us getting free hour to just talk, see what’s going on now, Bryce you hear your CPA as well, when you’re going through school up how Hard is it to get that to get that as a CPA certification get to study for like 3 or 4 hours I mean you have to like you, give a guy a high-five didn’t know the magic Shake coming. What do you have to do to become a CPA? It’S a lot of fun! Last months and months of studying, you know staying up late, diving into a book and then going and taking A4 hour exam and then do it all over again for more times when you pass that certification and you became a CPA, were you shocked at how much Money, the average person spend in Texas – I mean it, doesn’t blow your mind ever yes, I mean I’ve been doing this since I was probably 12 years old and then you know slowly worked up from shredding documents to fully preparing and helping clients plan and you’re. Not there, I thought process seeing seeing that that figure for taxes is just mind-blowing, Paul or somebody. Listening is a contractor. You know that they’re make it to have a self-employed but they’re right now, they’re they’re, not an LLC or not a limited liability company. They are operating as a sole proprietor. They are out there installing tile they’re, putting in cabinets they’re doing remodeling on how much are they sleep over paying in taxes without a plan? Let me make sure the listeners understand when Bryce says he’s shredding documents. That’S not like the government shredding documents yeah. I know that he work for me is you know we made him work. It was a sweatshop and he had to run around in a nice non-confidential things that we don’t need any more candy yeah. He was not shredding documents like the government are hiding email scandals or anything like that. He was not doing all of the alleged Hillary Clinton kind of shredded allegedly issued its correct. Oh, my gosh there’s so many things that you can write off and you know that you think of the IRS as well as a business partner, and it if we can justify to our business partner, are lazy business partner.

That has their hand out all the time. If we can justify and expense, it show that how that correlates with making money, we can take it it’s, and we are, I don’t know if I’d say we’re aggressive, but we are very proactive in the area of tax deductions. If we can argue – and it’s there’s a basis for it, we’re going to take it and 90 % of the time people aren’t taking all the deductions I can take, you could save somebody thousands of dollars, you could do everyday. We meeting with Paul Hood could be worth thousands of dollars to you. Here’S what you have to do to schedule your free look under the hood with Paul Hood step number one! You got to go to hood cps.com and you fill out that form when you fill out the form they’re going to reach out to you were going to give you a copy of Warren Buffett’s book Snowball, the only authorized biography the guys ever done. Warren Buffett worth 80 billion dollars His Life and Times of story, his wisdom, his principles. You can learn it all by simple going to hood cbs.com, then during the schedule, one-on-one consultation with you, one-on-one consultation, typically take typically tell you know within the first 15 minutes. We can we can tell what the in what direction we can go, but the only allow an hour. But you know it’s, it’s not. You know we don’t start a stopwatch and in some people you know we sit there and visit and it may take an hour hour 15 hour and a half. But the point is it’s free it don’t matter we don’t. We don’t try to drag it out or there’s nothing hidden.

We are a business coach team that is just really have a passion for helping people. Value right in this country is disgusting, the country that that, like Warren Buffett, says just being born here we won the ovarian Lottery, and so you know if we got it, we’re here to help people take advantage and and maximize their potential for success Nation. If you are wanted to join the conversation and schedule, an appointment, go to hood CPAs, look for next Saturday and every Saturday at 9 a.m. and Sunday at 9 a.m. here on the look it up with Paul, but things on now the head magazine smiling next to Oprah