From Tax Prep to Closing Deals: Navigate Home Buying and Taxes Like a Pro with Shivana Prasad

From Tax Prep to Closing Deals: Navigate Home Buying and Taxes Like a Pro with Shivana Prasad

In this episode of Might Delete Later Podcast, hosts Derrick and Julia sit down with Shivana Prasad, a Sacramento-based tax preparer and real estate agent. Shivana shares her journey starting in tax preparation at age 13 alongside her father. The conversation covers essential home-buying topics, including debt-to-income ratios, hidden homeownership costs, and common mortgage mistakes. Shivana also highlights tax deductions homeowners often overlook and explains dependent-filing errors that cost parents thousands. She offers practical advice for first-time buyers, self-employed individuals, and single men and women navigating the housing market. Introduction to Shivana Prasad (00:00:56) The hosts introduce special guest Saravana Prasad, who shares her occupations as a tax preparer and real estate agent. How Shivana Got Started (00:01:12) Saravana explains how her father's home tax business inspired her to get licensed as a tax preparer at age 18. The Influence of Her Father (00:02:39) Shivana discusses her father's influence, including getting her interested in playing golf, a sport she now enjoys watching and playing. Debt-to-Income Ratio Explained (00:05:08) Shivana explains how debt-to-income ratios affect home buying and what lenders look for when evaluating a buyer's financial situation. The Hidden Costs of Homeownership (00:07:05) The hosts discuss unexpected homeownership costs beyond the mortgage, such as property taxes, HOA fees, insurance, and surprise repairs. Derrick's Home Buying Regrets (00:09:01) Derrick shares his personal experience with buying a remodeled home, discovering cut corners like poor drainage and missing cable outlets. Common Mistakes That Hurt Loan Approval (00:11:09) Shivana lists common mistakes that hurt loan approval chances, like making big purchases, closing credit cards, and unsteady employment. Improving Your Credit Score for a Loan (00:12:47) The discussion covers how lenders can help potential buyers improve their credit scores quickly to qualify for better home loan options. Overlooked Tax Deductions for Homeowners (00:14:44) Shivana explains common tax mistakes and overlooked deductions for homeowners, including property taxes and the removal of a previous cap. How Political Administrations Affect Taxes (00:16:53) Shivana discusses how different administrations impact tax laws, highlighting recent changes like no tax on tips and overtime pay. Homeownership for Single Women (00:20:21) Shivana confirms that single women can absolutely own homes and shares her own recent experience of buying a house herself. Loan Amounts Varying by Location (00:21:55) Derrick asks why loan approval amounts can differ by location, which Shivana explains is often tied to specific assistance programs. Top 3 Tips for First-Time Homebuyers (00:23:02) Shivana shares her top three tips: know your absolute wants, be comfortable with your payment, and talk to professionals early. Shivana's Personal Home Buying Journey (00:25:49) Shivana details her own stressful but successful home buying process as a self-employed person, using a bank statement loan. The Pros and Cons of New vs. Older Homes (00:27:33) The group discusses the trade-offs between newer homes with small yards and older homes that may require extensive, costly renovations. Understanding Property Taxes and Escrow (00:31:31) Shivana explains what property taxes are, how they are paid, and how an escrow account works with your mortgage. A Common Tax Filing Mistake with Dependents (00:35:05) Derrick shares a story about losing a tax credit because his working daughter filed her own taxes without checking a box. Tax Credits for College Students (00:39:21) Shivana explains the tax benefits and credits available for parents who have children attending college, like the American Opportunity Credit. Correcting Tax Return Mistakes (00:40:37) Shivana explains that tax returns can be amended up to three years later to correct mistakes and claim missed refunds. Advice for Parents with Working Children (00:48:21) Shivana advises parents that they can often still claim working children as dependents, maximizing the family's overall tax refund. Home Buying for Low-Income Individuals (00:51:12) Shivana discusses home buying possibilities for low-income individuals, highlighting down payment assistance programs and grants that can help. Understanding HOAs and Mello-Roos (00:54:17) The discussion covers the pros and cons of Homeowner Associations (HOAs) and explains what Mello-Roos taxes are used for. Thoughts on Refinancing (00:58:03) Shivana advises not to wait for interest rates to drop before buying, as you can always refinance your loan later. Send us Fan Mail [https://www.buzzsprout.com/2512079/fan_mail/new] This Episode is brought to you by Hydration Love your trusted source for Kangen Water.  @HydrationLove on IG OCKangenwater@gmail.com https://www.instagram.com/might_delete_later_podcast/ [https://www.instagram.com/might_delete_later_podcast/] https://www.tiktok.com/@mightdeletelaterpodcast?lang=en [https://www.tiktok.com/@mightdeletelaterpodcast?lang=en] https://x.com/MDL_Podcast [https://x.com/MDL_Podcast] https://substack.com/@mightdeletelaterpodcast [https://substack.com/@mightdeletelaterpodcast] https://www.facebook.com/profile.php?id=61577954283551 [https://www.facebook.com/profile.php?id=61577954283551]

Breaking Down the Bay: Bigg Tae and DK of Limousine 10 on Authenticity, Artistry, and Industry Changes

In this episode of the Might Delete Later Podcast, host Derrick sits down with Bay Area guests Big Tae and DK (DK Kashif) to discuss their musical journeys and industry insights. Big Tae shares his radio roots, while DK highlights his classical vocal training and gospel influences. Together, they reflect on the decline of artistic integrity in modern R&B and hip-hop, the impact of streaming on artist earnings, and the loss of the album experience. Despite industry challenges, both guests champion authenticity, versatility, and the enduring power of real music to connect with audiences. Introduction (00:00:47) Host Derrick welcomes listeners and introduces his special guests from the Bay Area, Big Tae and the artist DK. Introducing DK (00:01:34) DK, also known as DK Kashif, introduces himself and explains the meaning behind his name and his musical philosophy. DK's Musical Versatility (00:02:07) DK discusses his vocal training and why he avoids being categorized into a single genre like R&B or gospel. Musical Influences: Tevin Campbell and Brandy (00:02:48) DK shares that his biggest musical influences are Tevin Campbell and Brandy, and recounts meeting both of them early on. The Origin of "Limousine 10" (00:04:36) Big Tae explains how his group's name, Limousine 10, was created and the hidden meaning behind the number ten. Big Tae Start in Radio (00:06:46) Big Tae details how he got his start in the radio industry right out of high school at KMEL. Early Career Experiences (00:09:39) Big Tae talks about his early experiences in radio, soaking up knowledge and being around major artists in Los Angeles. Growing Up in the Church (01:13:04) DK discusses his church upbringing in the Church of Christ, which shaped his vocal abilities without instrumental accompaniment. The "Soul" in Modern R&B (01:13:49) The guests discuss Jermaine Dupri's theory that modern R&B lacks soul because artists no longer grow up in church. The Decline of Artist Development (01:15:12) The conversation shifts to how modern artists lack the development that previous generations received, impacting the quality of music. The Album Experience vs. Singles (01:18:30) The group debates the modern music industry's focus on singles versus the classic, complete album experience they grew up with. The "One-Hit Wonder" Phenomenon (01:21:29) They discuss the gift and curse of having a hit single without a full project to back it up. More on DK's Influences (01:24:39) DK elaborates on his musical influences, adding Jazmine Sullivan and Brian McKnight to his list of inspirations. The Dangers of Idolizing Celebrities (01:28:39) The conversation covers the pitfalls of idolizing celebrities, using Brian McKnight's personal controversies as an example of separating art from the artist. Fan Culture and "Glazing" (01:30:17) The guests critique modern fan culture, discussing the intense "glazing" of artists like Drake and Chris Brown, regardless of musical quality. Big Tae's Production Influences (01:35:35) Big Tae shares his biggest production influences, including Quincy Jones, Teddy Riley, Larry Smith, DJ Quik, and Maurice White. Defining the Bay Area Sound (01:40:39) The guests describe the unique Bay Area sound, identifying the Hyphy movement and key producers who crafted the region's identity. Changes in the Music Business (01:45:26) The group discusses the best and most detrimental changes in the music industry, focusing on the impact of streaming. The Pros and Cons of Social Media (01:50:27) Big Tae analyzes how social media has become a "gift and a curse," creating a smoke-and-mirrors game for artists. The Freedom of Independent Artistry (01:54:39) DK shares his positive outlook, highlighting the freedom independent artists now have to create authentic music for their specific audience. Where to Find the Guests (01:55:23) DK and Big Tae share their social media handles and give shout-outs to their crews before the episode concludes. Send us Fan Mail [https://www.buzzsprout.com/2512079/fan_mail/new] This Episode is brought to you by Hydration Love your trusted source for Kangen Water.  @HydrationLove on IG OCKangenwater@gmail.com https://www.instagram.com/might_delete_later_podcast/ [https://www.instagram.com/might_delete_later_podcast/] https://www.tiktok.com/@mightdeletelaterpodcast?lang=en [https://www.tiktok.com/@mightdeletelaterpodcast?lang=en] https://x.com/MDL_Podcast [https://x.com/MDL_Podcast] https://substack.com/@mightdeletelaterpodcast [https://substack.com/@mightdeletelaterpodcast] https://www.facebook.com/profile.php?id=61577954283551 [https://www.facebook.com/profile.php?id=61577954283551]

Navigating the Film Industry: Real Talk on Agents, Budgets, Networking, AI, and the Rise of the Vertical Series with Miranda Forcier

In this episode of the Might Delete Later podcast, host Derek sits down with Miranda Forcier, a multifaceted film industry professional. They discuss the realities of pursuing an acting career, including the grind of networking, the growth of film production beyond Los Angeles, and the rise of self-tape auditions. Miranda shares insights on budgeting, pre-production, AI in filmmaking, and the emerging vertical series format. She also opens up about personal struggles, including near-death experiences and loss, and how those shaped her perspective on life and career. Her advice: know yourself, stay open, and be strategic before diving into the industry. Introduction to the Guest (00:00:47) Host Derrick introduces guest Miranda Forcier, a multi-talented professional in the film industry, covering roles like actor, producer, and casting. The Reality of Moving to LA (00:01:45) Miranda discusses the harsh realities of pursuing an acting career in Los Angeles, emphasizing the need for realistic expectations and networking. The Rise of Other Film Hubs (00:03:16) The conversation shifts to the growth of film production in cities outside LA, such as Sacramento, Atlanta, Chicago, and Texas. How Miranda Got Started (00:04:46) Miranda shares her origin story, growing up with a casting director mother and learning the film industry from a young age. The Financial Reality for Actors (00:07:11) The discussion covers the financial instability of acting, highlighting that most actors need a flexible day job for years. The Importance of Versatility (00:09:59) Miranda advises actors to learn other on-set roles to increase job opportunities, network, and better understand the production process. AI in the Film Industry (00:11:37) The hosts and guest discuss the growing role of AI in film, from pre-production to using an actor's likeness posthumously. The Critical Role of Pre-Production (00:15:28) Miranda explains why pre-production is the most important phase, involving extensive planning to ensure a smooth and successful shoot. Understanding Film Budgets (00:17:57) A breakdown of the essential costs in filmmaking, including permits, insurance, equipment rentals, food, and production design for any project. Getting Noticed by Industry Professionals (00:22:23) Derrick shares a personal story about pitching a show to a Nickelodeon executive, stressing the importance of proper script formatting. The Rise of Vertical Series (00:28:25) Miranda describes the new trend of vertical series—short, dramatic episodes designed for mobile phones, comparing them to modern soap operas. Pay and Union Status for Vertical Series (00:33:44) The conversation covers how actors are paid for vertical series and how SAG is beginning to recognize these productions. Miranda's Personal Journey and Advice (00:35:39) Miranda shares personal struggles, including near-death experiences, and advises aspiring artists to be introspective and know their own worth. Finding Your Path in the Industry (00:40:13) Miranda reveals she never planned a film career and encourages others to stay open to opportunities rather than having a rigid goal. Best and Worst Advice (00:43:15) Miranda shares the best advice she's received (be open, know your worth) and the worst (move to LA without a plan). Where to Find Miranda (00:46:11) Miranda provides her social media handles and offers to connect with listeners for advice or collaboration on future projects. https://forciercasting.com/ [https://forciercasting.com/] Send us Fan Mail [https://www.buzzsprout.com/2512079/fan_mail/new] This Episode is brought to you by Hydration Love your trusted source for Kangen Water.  @HydrationLove on IG OCKangenwater@gmail.com https://www.instagram.com/might_delete_later_podcast/ [https://www.instagram.com/might_delete_later_podcast/] https://www.tiktok.com/@mightdeletelaterpodcast?lang=en [https://www.tiktok.com/@mightdeletelaterpodcast?lang=en] https://x.com/MDL_Podcast [https://x.com/MDL_Podcast] https://substack.com/@mightdeletelaterpodcast [https://substack.com/@mightdeletelaterpodcast] https://www.facebook.com/profile.php?id=61577954283551 [https://www.facebook.com/profile.php?id=61577954283551]

Star Wars, Drake, Chris Brown, Slush Funds, and Racist Cousins: A Wild Ride Through Culture and Political Chaos

In this episode of Might Delete Later Podcast, host Derrick and Julia catch up on Julia's birthday before diving into entertainment discussions, including *The Mandalorian, the Michael Jackson biopic, and upcoming horror films. They debate music rivalries between Usher, Chris Brown, and Drake, and review the Netflix documentary Crash. Derrick shares a humorous story about his contradictory cousin, before the conversation turns serious with a discussion on Trump's DOJ settlement and a controversial $1.776 billion fund, which Derrick describes as a payout for the Presidents personal Militia.  Julia's Birthday & The Mandalorian Movie (00:00:23) Julia discusses turning 40 and gives her opinion on the new Mandalorian movie, calling it a decent but familiar experience. Upcoming Movies & Horror Films (00:04:11) Derrick talks about upcoming movies he wants to see, including a new "Scary Movie" and several horror films like "Obsession." Michael Jackson Movie Review (00:05:29) Derrick reviews the Michael Jackson movie, discussing the portrayal of Joe Jackson and praising the lead actor's Oscar-worthy performance. Drake's New Albums & Rap Battle (00:09:04) The hosts discuss Drake's three new albums and his recent rap battle, concluding that he lost when he resorted to suing. Usher vs. Chris Brown (00:13:58) A debate on who is better between Usher and Chris Brown, comparing their musical depth and live performance skills. Critique of Modern R&B Artists (00:20:44) The conversation shifts to other R&B artists like Sisqo and Mario, critiquing their recent music and career choices. Michael Jackson's Best Album (00:23:50) Derrick and his daughter debate Michael Jackson's best album, comparing "Off the Wall," "Thriller," and "Bad" by counting skippable songs. The "Crash" Documentary on Netflix (00:31:02) Discussion about the Netflix documentary "Crash," analyzing the case of Mackenzie Shirilla and the evidence suggesting she intentionally caused the crash. Derrick's Racist Cousin (00:46:23) Derrick shares anecdotes about his cousin who holds racist, misogynistic, and homophobic views despite being Black himself. Trump's $6 Billion "Slush Fund" (00:54:15) The hosts discuss a settlement creating a fund to pay those "wronged by the Biden administration," including January 6th participants. Send us Fan Mail [https://www.buzzsprout.com/2512079/fan_mail/new] This Episode is brought to you by Hydration Love your trusted source for Kangen Water.  @HydrationLove on IG OCKangenwater@gmail.com https://www.instagram.com/might_delete_later_podcast/ [https://www.instagram.com/might_delete_later_podcast/] https://www.tiktok.com/@mightdeletelaterpodcast?lang=en [https://www.tiktok.com/@mightdeletelaterpodcast?lang=en] https://x.com/MDL_Podcast [https://x.com/MDL_Podcast] https://substack.com/@mightdeletelaterpodcast [https://substack.com/@mightdeletelaterpodcast] https://www.facebook.com/profile.php?id=61577954283551 [https://www.facebook.com/profile.php?id=61577954283551]

From Stale to Sizzling: Practical Exercises to Rediscover Your Sensual Groove with Megan AnneStasia

In this episode of Might Delete Later, host Derrick welcomes back somatic sexologist Megan AnneStasia. Megan explains her body-based approach to sexual coaching, helping clients reconnect with their sensual and erotic selves. The conversation covers rediscovering intimacy after long relationships, reigniting passion in stale partnerships, healing from sexual trauma using brainspotting therapy, and navigating taboo desires like infidelity fantasies. Megan emphasizes communication, vulnerability, and slowing down during intimacy. She also recommends resources, including her free guided visualization and the book Coming Together, and can be found at SacramentoSexology.com. Introduction to Somatic Sexology (00:00:57) Guest Megan AnneStasia introduces herself and explains what a somatic sexologist does, focusing on body-based, experiential coaching. The Somatic Method Explained (00:02:12) Megan details her coaching method, which involves experiential exercises to help clients discover what they truly want to feel. Rediscovering Sexuality After a Long-Term Relationship (00:05:11) The host asks for advice for someone re-entering the dating world after a long marriage with little recent intimacy. Reconnecting with Your Sensual Self (00:07:12) Megan advises starting with sensual, everyday pleasures to reconnect with one's body before exploring more erotic practices. Rekindling Intimacy in a Stale Relationship (00:11:41) Discussion on how couples in a long-term rut can break routine and bring back romance and exploration. Understanding Different Seduction Styles (00:12:21) Megan explains various pathways to arousal, from romantic and sensual to passionate, kinky, or energetic approaches. Men's Sexuality and Emotional Complexity (00:15:25) The conversation shifts to male sexuality, challenging the idea that it's simple and discussing men's complex emotional needs. The Vulnerability of Communication During Sex (00:18:09) Megan highlights the difficulty of giving and receiving feedback during sex and suggests talking about it outside the bedroom. A Case of Infidelity and Unexpected Arousal (00:22:27) A scenario is presented where a man becomes turned on by his partner's infidelity, but she is ashamed. Exploring the Reasons Behind Cheating (00:25:44) Megan discusses the various motivations for infidelity, from unmet needs to the thrill of taboo or underlying polyamorous desires. Healing from Sexual Trauma (00:30:11) The discussion addresses how individuals, particularly women, can heal from sexual trauma and learn to enjoy intimacy again. Brainspotting Therapy for Trauma (00:35:48) Megan explains brainspotting, a trauma therapy technique that uses eye position to access and process deeply stored trauma. How Sexology Affects Personal Relationships (00:39:18) The host asks Megan how her professional knowledge and experiences with clients impact her own personal life and relationships. Book Recommendations for Better Lovers (00:43:05) Megan recommends the book "Coming Together" to help people understand their core erotic themes and improve their relationships. Guest's Free Gift and Contact Information (00:45:31) Megan offers a free guided visualization for listeners and shares her social media handles and website for follow-up. Try out Megan’s free guide here: https://sacramentosexology.com/cetguide [https://sacramentosexology.com/cetguide] Send us Fan Mail [https://www.buzzsprout.com/2512079/fan_mail/new] This Episode is brought to you by Hydration Love your trusted source for Kangen Water.  @HydrationLove on IG OCKangenwater@gmail.com https://www.instagram.com/might_delete_later_podcast/ [https://www.instagram.com/might_delete_later_podcast/] https://www.tiktok.com/@mightdeletelaterpodcast?lang=en [https://www.tiktok.com/@mightdeletelaterpodcast?lang=en] https://x.com/MDL_Podcast [https://x.com/MDL_Podcast] https://substack.com/@mightdeletelaterpodcast [https://substack.com/@mightdeletelaterpodcast] https://www.facebook.com/profile.php?id=61577954283551 [https://www.facebook.com/profile.php?id=61577954283551]