Zacc Call - Podcast Details

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AmplifiFinancial Freedom Strategies You’ve NEVER Heard Before - Zacc CallIn this episode, I sit down with Zacc Call, President of Capita Financial Network, to break down the biggest financial myths, how to plan for retirement the RIGHT way, and what most people get wrong about wealth building. 💰We Cover:• The truth about retirement planning• The impact of AI on financial advising• How to legally reduce your taxes• Why most financial advisors fail• Strategies to build wealth at ANY age📩 Contact Capita Financial Network: capitafinancialnetwork.comLink to my top High Yield Savin...2025-03-211h 27

The Retirement NerdsWhy the S&P 500 Index May Not Be Your Benchmark - DIY Investing with Zacc CallLearn how to create your own investment portfolio and what the professional financial advisors look for when constructing a solid portfolio. Zacc Call outlines the factors and options available for those who want to do something other than just invest in the S&P 500 index funds. Zacc goes over stocks, index funds, bonds, and other asset classes to help you build your wealth. Connect with Zacc's Team at Capita Here:https://www.capitafinancialnetwork.com/Get The INVESTMENTS Article from the Money & Mind Book Here:https...2025-02-231h 45

The Retirement NerdsStop Losing Money to Taxes When You Understand America's Tax Basics with Zacc CallAs you prepare to file your taxes, you will want to understand how your taxes are calculated to ensure you are making the most of your tax situation. There are different types of income, tax rates, and the progressive tax structure of the United States tax code. Zacc Call goes over how to simplify the taxation in America and where they may be some opportunities for you as you plan your tax filings. Get the full Money & Mind eBook for Free here: https://theretirementnerds.com/money-mind/ Get the Tax-Specific Money & Mind article here: https://cdn.prod.website-files.com/61bbaf4759074...2025-02-0756 min

The Retirement NerdsThe 7 Prosperity Projects You Can Do to Find Real Financial Freedom with Zacc CallIn this video, Zacc Call, a Certified Financial Planner explores the 7 projects to achieve financial freedom. If you are tired of living paycheck to paycheck and want to take control of your finances to build a sustainable future, this video is for you! Zacc breaks down his 7 Prosperity Projects in a simple, step-by-step way that is a proven way to assign your next dollar to the most beneficial task to make sure your money is working for you, rather than you being a slave to the next dollar. Erik asked Zacc these questions a few months back, prompting Zacc...2025-01-271h 43

The Retirement NerdsYou Should Be Getting Much More Than Just Investment Advice For 1% with Zacc CallIf you enjoy hearing about how to keep your financial professionals honest, I recommend listening to my conversation with Zacc Call about the secrets to knowing which type of financial professional you are dealing with. (https://youtu.be/8uC1lgkZUWE) Zacc's Podcast: The Financial Call: https://www.thefinancialcall.com/guided-path Reach out to me here: Erik@TheRetirementNerds.com Subscribe to the Channel @theretirementnerds Join our newsletter for monthly tips, book recommendations, and personal stories! https://theretirementnerds.com/newsletter/ ⏰ TIME CODES ⏰ 0:00 Episode Intro 02:50 🚀 Warren Buffet Challenge 6:51 📈 Investment Funds 10:50 👥 Financial Professional Designations 13:58 🤝 Investments Only Advisor Value 17:43 💰 How to find out advisor fees 21:25 🛠️ If yo...2025-01-231h 07

The Retirement NerdsWhich Financial Professional You Are Working With? And How They Are Paid with Zacc CallThere are many financial professionals out there, and it gets hard differentiating which one you need, how they are paid, and which have conflicting incentives with your hard earned money. Zacc Call, President of Capita Financial Network, goes through the different financial professionals, what services they can offer, how they are paid, and how to know which you should be working with. Download the Financial Professional Reference Sheet here: https://theretirementnerds.com/financial-professionals-guide/ Hear more from Zacc on his podcast - The Financial Call https://www.thefinancialcall.com/ ============================= Send me a message! Erik@TheRetirementNerds.com ============================= ============================= Be Sure to Subscribe...2025-01-211h 29

The Retirement NerdsAvoid the Social Security Tax Torpedo with Zacc CallIf you're not careful, the fact that Social Security is taxable can lead to you making decisions that become much more expensive than you may have realized. Zacc Call, President of Capita Financial Network, dives into the details of Social Security tax, which then helps determine the value of taking more money out of investments during retirement or whether or not a Roth conversion is worth it. *Here is where to get the Spreadsheet referenced in the video:* https://theretirementnerds.com/social-security-worksheet/ Be sure to check out Zacc's free financial podcast - The Financial Call: https://www.thefinancialcall.com...2025-01-1855 min

The Retirement NerdsQuestions From the Internet: Roth vs Traditional with Zacc CallHow your investment accounts are taxed could save you considerable amounts of money if you use the right investment vehicle. The two most common are Roth and Traditional accounts, especially as we talk about IRAs and 401(k)s. Our original video on Roth vs Traditional generated a lot of questions, so Zacc Call - President of Capita Financial Network - took some time to answer those questions. Watch the original Roth vs Traditional video here: https://open.spotify.com/episode/48MziVxRF0QkKY6IyWhof3?si=xo1ewuirSCGOjPtwpNrBIA Zacc's free Financial Education Platform here: https://www...2025-01-1628 min

The Retirement NerdsWhen Should You Take Social Security to Get The Most Out of Your Benefits with Zacc CallIf you want to know when you should take Social Security watch this video! Be sure to go to Zacc's free Financial Education Platform here: https://www.thefinancialcall.com/guided-path Need help? Email me! Erik@TheRetirementNerds.com Visit our website: https://www.TheRetirementNerds.com Join our newsletter: https://theretirementnerds.com/newsletter/ ============================= This video is NOT sponsored. The Retirement Nerds is the no-cost educational platform and serves to offer information around Medicare, Social Security, Financial Planning, and Estate Planning. ⏰ TIME CODES ⏰ 0:00 Rules of Thumb Problem 0:14 Zacc Introduction 0:40 Beware Absolutes 3:40 What's on the Menu? 7:00 Important Terms & Acronyms 11:57 Spousal Benefits Rules 23:40 Divorced Spou...2025-01-131h 22

Neon Jazz InterviewsMinneapolis Jazz Trio of Jake Baldwin, Zacc Harris, Pete HennigWelcome to a new edition of the Neon Jazz interview series with Minneapolis Jazz Trio of Jake Baldwin, Zacc Harris, Pete Hennig .. We cover their new and debut 2024 CD Boundaries, along with their history, surviving COVID and future hopes. The band is trumpeter Jake Baldwin, guitarist Zacc Harris and drummer Pete Hennig. The album features eight spontaneously improvised pieces that range from ambient to raucous, dark to joyous, and meditative to free jazz. Founded when the trio showed up to a recording session without a bassist, they decided to forge ahead with a more open approach. Dig this story. F...2024-06-1119 min

Eclectic Brain PodcastIndependent musician talks music creation, collaboration, and dynamics of record labels - Zacc P 16Zacc P an independent Hip Hop artist from Central Florida and stands out in the music scene for his Contemporary Hip Hop style. Zacc P seamlessly fuses traditional Hip Hop elements with influences from R&B and Pop, showcasing his unique style. Praised for his smooth vocal delivery, captivating hooks, and introspective lyrics that explore themes of love, heartbreak, and self-discovery.In this podcast we discuss the origins of how Zacc started is music career, his lyrical inspirations, the process of creating beats, the benefits of going the independent route vs a label, and his...2024-05-301h 26

On The Grynd LiveZacc P discusses his music career and upcoming album on Power 107.6 The TruthIn this episode of On the Grynd Live, host Shah Cypha interviews artist Zacc P. They discuss Zacc P's journey in the music industry, his influences, and his approach to songwriting. Zacc P shares the concept behind his track "What Can I Say" and talks about his album "How It Had to Be." He also touches on the challenges of being an independent artist and the importance of trust in the industry. Tune in to hear Zacc P's unique perspective and his passion for creating music. 2024-05-2431 min

Quiz Gambit - Magyarország első kvízes podcastjeQG #4 - Kvíz, móka és kacagás a Zacc csapatávalMagyarország első kvízes podcastjének legújabb adásában Petya és Sali ezúttal második bajnokságunk nyertesével, a Zacc csapatának tagjaival beszélgetett és természetesen a szokásos 15 kérdés sem maradhatott el! Quiz Gambit kvízek élőben minden kedden 19:00-tól Budapesten! Részletekért látogass el Facebook- vagy Instagram-oldalunkra! #quizgambit #trivia #kviz #kvizespodcast #quiz #zacc 2024-03-2252 min

The Financial CallBONUS: Protect Yourself from Running Out of Money in RetirementGet ready for another special bonus episode where Zacc Call joins Erik Soderborg on the "90 Days from Retirement" YouTube channel! They dive deep into the critical art of securing your retirement funds, covering everything from external risks to the internal decisions that could make or break your financial future. The conversation dives deep into the intricacies of risk tolerance, savvy withdrawal strategies, and debunking the 4% rule, all while stressing the need for a personalized approach tailored to your unique circumstances. Erik and Zacc pull back the curtain on the impact of taxes on retirement, delivering a fresh p...2024-02-121h 27

The Financial CallGuided Path 8-4 Life Insurance: When To Get It, When To Drop ItThere’s no magical date marked on the calendar telling you when to get life insurance. So, when should you get it, and is there a time you should get rid of it? In this episode, Zacc Call and Laura Hadley discuss both when to get and when to drop life insurance. Zacc shares his journey with life insurance, starting from when he married at 22, highlighting its importance for end-of-life expenses and family support. They explore the financial implications of death, such as mortgage and income continuation for survivors, emphasizing tailored coverage. The advi...2024-02-0530 min

The Financial CallGuided Path 8-3 Life InsuranceDoes it feel like you’re constantly being pitched life insurance? There’s a reason for that and we’re going to tell you why. In this episode, Zacc Call and Laura Hadley explore the intricacies of life insurance. Zacc shares his journey with thyroid cancer and underscores the value of life insurance in providing financial security during unforeseen health issues. They discuss the importance of determining the right amount of coverage, differentiating between term and permanent life insurance, and the potential pitfalls of policies with investment components. The conversation also covers the motives...2024-01-2235 min

Founders, Investors & Operators063 | Zacc Call | President of Capita Financial NetworkZacc is the President of Capita and a CFP® professional. He began his financial services career at Fidelity in 2007 and joined Capita in 2015. Zacc’s personal mission is: Deliver superior financial planning to as many households as possible. This mission is accomplished through guiding Capita’s advisors and distributing The Financial Call podcast of which he is a co-host. Zacc loves coaching soccer, mountain biking with his dog, and spending time with his family.2024-01-161h 07

The Financial CallGuided Path 8-2 Navigating the Alphabet Soup of MedicareNavigating the intricacies of Medicare can feel like wading through an alphabet soup of confusion and misinformation. To help you feel less overwhelmed, Zacc Call and Laura Hadley break down the different parts of Medicare and explain key points to keep in mind before enrolling — so you can make an informed decision based on your healthcare needs. Zacc and Laura discuss: Why enrolling in Medicare at 65 isn't mandatory and delaying is an option The importance of timely Medicare enrollment to avoid penalties An overview of Medicare Parts A and B, Medic...2024-01-0818 min

The Financial CallGuided Path 8-1 Pre-65 Health Care Options for Early RetireesRetiring early is a dream for many. However, people often hesitate due to a fear of high healthcare costs, given that Medicare doesn’t come into play until the age of 65. We address this concern today — in the first episode of our brand-new season about insurance! Zacc Call and Laura Hadley explore three options for pre-65 health care coverage: COBRA plans, retiree plans offered by employers, and plans obtained through the exchange. Zacc and Laura discuss: How COBRA helps address any gaps in coverage...2023-12-2521 min

The Financial CallGuided Path 7-5 Charitable Giving Meets Exit PlanningIf you plan to exit your business soon and are charitably inclined, you may have untapped tax-saving opportunities! In this episode, Zacc Call and Laura Hadley discuss tax-efficient charitable giving strategies for business owners planning to exit their businesses. They specifically share ways to leverage donor-advised funds (DAF) and charitable remainder trusts to reduce capital gains tax and maximize your tax deductions. Zacc and Laura discuss: How income from selling a business is taxed in the U.S. How a complex asset donation works (structure, timeline, associated costs, etc.) DAFs vs...2023-12-1137 min

The Financial CallGuided Path 7-4 Donor-Advised FundsLet’s discover how to maximize your impact on your favorite charities while enjoying tax benefits using donor-advised funds! In this episode, Zacc Call and Laura Hadley discuss DAFs, their benefits, growth, and associated sponsors and fees. They emphasize the importance of separating tax decisions from the act of giving and the timing flexibility DAFs offer. Listen as they share a case study of a physician who optimized his charitable giving through a DAF, highlighting the flexibility and simplicity of this fund. Zacc and Laura discuss: ...2023-11-2730 min

Laoise OnlineEp.17 Anna's Number with Zacc McGloughlinAfter an embarrassingly long time, this episode with Zacc is finally up after me losing the footage (!!!) Zacc is the saxophonist and vocalist of the brilliant band- Anna's Number. He chats to me about how they started by busking in Belfast and now have played gigs in the Limelight and Mandela Hall. We talk stage fright, learning an instrument and the logistics of making a band work. Thank you to Zacc for chatting to me! I hope you enjoy listening 2023-11-1937 min

The Financial CallGuided Path 7-3 Qualified Charitable DistributionsLet’s continue to learn how to reduce your taxes while increasing your giving potential! More specifically, with the help of Qualified Charitable Distributions! In this episode, Zacc Call and Laura Hadley discuss the benefits of Qualified Charitable Distributions (QCDs) for individuals aged 70.5 or older. They explain how QCDs (Qualified Charitable Distributions), made directly from pre-tax IRA accounts to charities, can reduce taxable income and potentially lower Medicare premiums. They also discuss the importance of timing these distributions to maximize tax savings. They cover the limitations of QCDs, such as the i...2023-11-1325 min

The Financial CallGuided Path 7-2 Timing Your Charitable GivingIn this episode, Zacc Call and Laura Hadley discuss the tax benefits of charitable giving, focusing on the strategy of "bunching" or "doubling up" donations. They explain the impact of the standard deduction on tax benefits and how timing donations can optimize tax savings. They also introduce the concept of a donor-advised fund (DAF) as a tool for controlling the timing of your donations and itemized deductions. They emphasize that the cause, not the tax benefit, should be the primary motivation for your giving–no matter where it’s going. Zacc and Laur...2023-10-3026 min

The Financial CallBONUS: Roth vs. Traditional Accounts: Navigating the Financial Landscape with Zacc Call and Erik SoderborgIn this engaging episode, financial experts Zacc Call and Erik Soderborg come together on Erik's YouTube channel 90 Days From Retirement to unravel the complexities of Roth and Traditional retirement accounts. Zacc and Erik provide listeners with valuable insights into how each account aligns with varying financial goals and circumstances. They demystify the common misconceptions surrounding Roth and Traditional accounts, empowering the audience to make informed decisions for their unique financial situations. The dynamic conversation delves into scenarios, strategies, and key factors to consider when choosing between Roth and Traditional accounts. Whether you're a seasoned investor or...2023-10-181h 03

The Financial CallGuided Path 7-1 Charitable Giving: Donating Cash vs. StocksIt’s a brand new season with brand new topics! It’s time to unravel the intricacies of charitable giving. In this episode, Zacc Call and Laura Hadley discuss the benefits of donating cash versus stocks, and the potential tax advantages associated with each option. They also explore potential tax implications and limitations based on your income level and the type of charity you give to. Join the conversation as Zacc and Laura discuss: Why donating stocks as your form of charitable giving is extremely “tax savvy”2023-10-1625 min

The Financial CallGuided Path 6-5 Top 5 Categories Business Owners Need To SolveCreating clear processes and systems can skyrocket the valuation of your business. In this episode, Zacc Call and Laura Hadley, along with their friend and colleague Tyson Long discuss the importance of having the right network and team of professionals when selling or owning a business. They highlight the order in which you should address the different categories of owning a business and the mentality you should have when tackling them. They also discuss the importance of involving a spouse in financial planning and the need for professionals like a bookkeeper, bus...2023-10-0234 min

The Financial CallGuided Path 6-3 Invest In Your Business & In Your RetirementKnowing how to effectively scale your business can greatly impact your retirement plans. Just imagine the opportunities and challenges that come with taking that leap! In this episode, Zacc Call and Laura Hadley discuss investing in your business and retirement as a business owner. They differentiate between business creators and solo practitioners, emphasizing the importance of scaling up a business to increase income potential. They also caution against relying too heavily on the value of the business as a retirement plan and discuss the challenges and trade-offs of scaling a business. 2023-09-0526 min

The Financial CallGuided Path 6-2: Choosing the Best Retirement Plan for Your Small BusinessAre you feeling overwhelmed by the complexity of small business retirement plans? In this episode, Zacc Call and Laura Hadley are joined by their Capita colleague, and recurring guest, Tyson Long to analyze and provide detail surrounding various retirement plan options for small business owners. Their suggestions are not one-size-fits-all but rather catered to consider factors like the number of employees and annual saving goals. Listen as they highlight the need for more simplification and better options for small business owners. Throughout the episode, Zacc, Laura, and Tyson discuss: ...2023-08-2138 min

The Financial CallGuided Path 5-6 Preventing a Family DisasterHave you prepared to pass on your wealth to your children? If not (and take it from us!), it can lead to serious family feuds and even legal consequences. We don’t want this to happen to you. Let’s make your family’s relationship stay strong. In this episode, Zacc Call and Laura Hadley highlight practical solutions to prevent family issues caused by wealth, including open communication, fair estate planning, financial education, and maintaining strong family values. They also discuss the pitfalls of strange oversight or power rela...2023-07-2426 min

The Financial CallGuided Path 5-5 Advanced Trust Planning StrategiesIf you thought our last episode about Estate Planning was beneficial, then you’re really going to find this release chock-full of insight too! Join Zacc and Laura as they dive into the advanced strategies you and your family will want to use for a financially secure future! In this episode, estate planning guru and attorney at York Howell & Guymon, Eric Whiting discusses the various advanced estate planning strategies you can use to maximize the assets your family keeps after you pass. Zacc, Laura, and Eric discuss: How t...2023-07-1047 min

The Financial CallGuided Path 5-4 Estate TaxesWith the help of this episode, individuals and families can make informed decisions about their estates and ensure a well-executed wealth transfer plan that aligns with their financial goals. This episode kicks off with an overview of estate taxes, explaining how they are applied to the transfer of assets from a deceased person to their beneficiaries. Zacc Call and Laura Hadley highlight the key factors that determine estate tax liability, such as the value of the estate, current tax laws, and available exemptions that could apply to your estate! 2023-06-2626 min

The Financial CallGuided Path 5-3 Naming BeneficiariesThis week, we are turning the intricacies of naming beneficiaries and transferring retirement funds into easy, actionable, steps. In this episode, Zacc Call and Laura Hadley chat with, Kelsey Dent, Partner & Director of Financial Services at Capita Financial Network as she shares her insight around the process of naming beneficiaries, how to do so properly, and how to avoid some of the most common mistakes. Zacc, Laura, and Kelsey discuss: How to take money out and avoid paying maximum tax penalties on your retirement accounts Eve...2023-06-1235 min

The Financial CallGuided Path 4-6 Common Tax MythsIt’s important to educate yourself on the truth about taxes and avoid falling for the most common myths, which we debunk thoroughly. In this episode, Zacc Call and Laura Hadley discuss the most common tax myths people fall for which includes the discussion of mortgages, estate tax, and gifting funds. The aim is to help you better understand the truth behind these rumors so you can avoid problems with the IRS. Zacc and Laura discuss: The most believable tax myths you might be falling for Ho...2023-05-0133 min

The Financial CallGuided Path 4-5 All You Need To Know About Stock PlansDoes your employer offer stock options as part of your compensation package? Whether they do or not, this episode will be helpful for you to better understand the intricacies of stock options. In this release, Zacc Call and Laura Hadley dive into the topic of employee stock options, discussing what they are, how they work, and their benefits and risks. They also touch on taxes surrounding these types of investments with their guest, Zach Geertsen. Listen in as Zacc, Laura, and Zach discuss: How to capitalize on stock options a...2023-04-1731 min

The Financial CallGuided Path 4-4 Retiree Tax Strategies: Helping You Save Money On TaxesAre you tired of paying high taxes and want to keep more of your hard-earned money? In this episode, Zacc Call and Laura Hadley break down various tax strategies to help you save money on your taxes. While they focus on tax strategies geared towards retirees, many of the tax strategies discussed can be applied at any age! Zacc and Laura discuss: Different tax strategies for retirees Some strategies that can be applied at any age The purpose of tax diversification How...2023-04-0334 min

The Financial CallGuided Path 4-2 Roth vs TraditionalWe are excited to announce that one of The Financial Call’s most listened to episodes now has a sibling. That’s right, we are talking about Roth and traditional investment accounts. In this episode, Zacc Call and Laura Hadley discuss the difference between Roth and traditional investment accounts and how to find out which one is the best fit for your retirement plan. Zacc and Laura discuss: Things you probably didn’t know about having a Roth IRA in your 401K The diff...2023-03-0630 min

The Financial CallGuided Path 4-1 How The Government Calculates Your TaxesTaxes are so applicable to everyone and there are some very basic things that people can do if they understand how taxes work that will help them save on taxes, sometimes even thousands of dollars. In this episode, Zacc Call and Laura Hadley aim to help you better understand your tax return while also providing tax strategies that can help you save money. Zacc and Laura discuss: The foundation of how your taxes are calculated How your investments could be taxed in 2023 How to avoid risky task strategies and...2023-02-2029 min

The Financial CallGuided Path 3-6 Navigating the World of Alternative Investments with Tyson Long, CFP®, CPWA®Standard stock and bond portfolios have done their job well over time, but some investors want to add alternative investments for potentially higher returns and diversification. Alternative investments come with additional risks, but they may be the answer. Join Zacc Call, Laura Hadley, and Tyson Long, CFP® as they delve into the often misunderstood world of alternative investments and explain how these options can potentially enhance the diversity and performance of your portfolio. Whether you're a seasoned investor or just starting out, this episode will provide valuable insights and information on the various types of a...2023-01-2333 min

The Financial CallGuided Path 3-5 Real Estate with Tyson Long, CFP®, CPWA®We must warn you, this episode’s topic can be pretty polarizing in the financial services industry, but that’s not stopping us from doing an episode about it. In this episode, Zacc Call, Laura Hadley, and Tyson Long, CFP®, discuss the pros and cons of real estate investing and how you can discover whether it is a suitable venture for you in your investing career. Zacc, Laura, and Tyson discuss: Why real estate investing can be polarizing in the financial advising industry Capital markets vs. real estate and how to find out which is mo...2023-01-0930 min

The Financial CallGuided Path 3-1 Investing BasicsThe wait is finally over… Season 3 has arrived! If you are someone who is wanting to jumpstart or even just enhance your investing journey, then you are going to love this season of The Financial Call! In this episode, Zacc Call and Laura Hadley introduce the topic of season 3, which is investing. They discuss what learning opportunities you will have throughout this season, and the nitty gritty details of kickstarting your investment portfolio. Zacc and Laura discuss: How inflation impacts your investment portfolio How to decide where you want to invest and wh...2022-11-1427 min

The Financial CallBONUS: Recap of Capita's Fall 2022 Educational BootcampZacc Call is joined by Tyson Long to give you a quick summary of Capita's Fall 2022 Educational Bootcamp. Listen for highlights from Kurt Brown's market updates, Tyson's overview of the market from this last year, Erik Soderborg's insights on Medicare costs and options, and Zacc's strategies for saving on taxes when doing a personal audit.2022-10-1312 min

The Financial CallGuided Path 2-4 Divorce, Remarriage and Death with Jayson McGinnisBenefits can be complex to understand, especially when remarriage or spouse deaths are involved. And by not understanding them in detail, we may miss what we are entitled to get. In this episode, Zacc Call and Laura Hadley chat with Jayson McGinnis, a wealth advisor at Capita Financial Network, to give details regarding divorce, remarriage, and survivor benefits. Additionally, they explain the strategy in which a couple can get divorced to improve their Social Security benefits and then get married again. Zacc, Laura, and Jayson discuss: ...2022-10-0327 min

The Stat Daddy PodcastStatDaddyPodcast: Fantasy Football Leagues Week 3 Recaps and Previews//Are Trades Ever Fair For Both Parties Involved?Zacc aka The Summerlin Straw Hat aka president of the J Jetta fan club biggest fan aka Saquads favorite fan is back with another Fantasy Football video! Don't worry I'll be covering basketball way more frequently in the next few weeks, but until then we are talking about the state of the squads I'm managing in fantasy football leagues! I've had three sad less than 2 point losses that came on the last plays of The Monday Night Football match ups but it's only Week 4 and things can only go up from here! I appreciate y'all for checking ou...2022-09-2841 min

The Financial CallGuided Path 2-3 Spousal Strategies with Michael LittledikeBenefits can be confusing when it comes to knowing what's available and how to get them. For spouses, there are benefits and strategies that not everyone knows about, and once you know them, it's crucial to understand their details to maximize them. In this episode, Michael Littledike, Founder and CEO of Capita Financial Network, talks with Zacc Call and Laura Hadley to help people understand the Social Security spousal benefits and clarify the most common mistakes they see regarding this topic. Zacc, Laura, and Michael discuss: ...2022-09-1930 min

The Stat Daddy PodcastStatDaddyPodcast: My 6 Main Fantasy Football Leagues Week 1 Recaps // A Smidgen Of Waiver Wire TargetsZacc aka The Summerlin Straw Hat aka president of the J Jetta fan club biggest fan aka Saquads favorite fan is back with another Fantasy Football video! Don't worry I'll be covering basketball way more frequently in the next few weeks, but until then we are byke with my how I did in my 6 main fantasy football leagues! Not to toot my own horn but it was a pretty successful Week 1 if I do say so my self! Stay till the end to hear my full speed run of all the antics my teams went through (with some analysis a...2022-09-1432 min

The Stat Daddy PodcastStatDaddyPodcast: Superflex PPR League Draft(s) Recap // Is Elijah Moore the breakout candidate of the year?!Zacc aka The Summerlin Straw Hat aka Elijah Moore's biggest fan aka the value bell-cow is back with another Fantasy Football video! Don't worry I'll be covering basketball way more frequently in the next few weeks, but until then we are byke with my superflex league recaps! I'm in two superflex leagues this year and love how both my teams turned out!! Both were in person drafts which means value pops up more frequently but y'all will hear about it all in this episode! I appreciate y'all for checking out my channel and rocking with your boy! L...2022-09-0653 min

The Financial CallGuided Path 2-2 How is Your Social Security Benefit Calculated?Retirement benefits like Social Security make a world of difference for people in retirement. So how much should you expect to receive from these benefits? And in addition, where does the money from these benefits come from? In this episode, Zacc Call and Laura Hadley dive deeper into the ins and outs of Social Security by explaining how you can estimate how much you will receive, how to maximize your benefit if you are self-employed, how the government accumulates the money in the Social Security trust fund, and more. 2022-09-0529 min

The Stat Daddy PodcastStatDaddyPodcast: Sleeper 3 Flex PPR Mock Draft w/ Pequeño PapiZacc aka The Sleeper Mock Mogul aka The First Round Bounce aka The Second Coming of Crisis is back with yet another Sleeper App Fantasy Football Mock Draft! This week I was joined by the always hilarious Josh Olanday aka THE Pequeño Papi Aka the Chris Rock of Smack Talk! This one was a fun one to do and honestly I didn't expect the great response I. got from the last mock so I brought in the homie to do one once again. Our homie Johnny Stackkz also joined us in this draft for a wee bit of r...2022-08-291h 02

The Stat Daddy PodcastStatDaddyPodcast: Jumbled Thoughts on NBA News (KD Staying/Pat Bev Trade/ Mitchell to the Knicks?)Zacc aka The Eye Bag Bandit aka The NBA Betting GAWD aka The Host with the least focused thoughts is back with another random teddy talk. I've been covering a ton of NFL content in the last few weeks so I thought I'd switch it up and do some NBA coverage this evening. Not the most organized collection of topics I've done but I didn't wanna delay a new episode any further. No excuses only unrehearsed unhinged lunacy. Thanks for checkin in on me. Follow me on Ig: https://www.instagram.com/lbczaccdisi We're out he...2022-08-2636 min

The Stat Daddy PodcastStatDaddyPodcast: Superflex Ppr Mock Draft Take DosZacc aka The Sleeper Mock Agent aka The Wicked Draft Wizard of The West aka The Sloppy Draft Bandit is back with a Sleeper App Superflex Fantasy Football Mock Draft! Chaz from the Big Bet Sports podcast was originally on this episode with me but his computer fumbled the bag and unfortunately we had to go on without him. So y'all are once again stuck with me recklessly navigating this mock on my lonesome! I'm not usually happy with how my mock drafts turn out but boy was I excited to see my final squad! So sit back, relax, a...2022-08-1835 min

The Stat Daddy PodcastStatDaddyPodcast: Nfl Preseason Week 1 Risers & Losers// THFC Ramblings//Chipotle Caught Lacking!Zacc aka The Sleepy Sleeper Spotter aka The Wild Wezz of The West aka Papi Somnoliento is back with another train wreck on an episode!! After recording two episodes previously in the day I realized my audio was scuffed and the episode needed to be rerecorded. So obviously I chose to redo it at 11pm at night instead of waiting till the next day bc why the heeel not?! This week the topics are nfl preseason implications for a few major fantasy football players, slandering chipotle, and talking a little EPL football. Sit back, relax and enjoy peeps. 2022-08-1749 min

The Stat Daddy PodcastStatDaddyPodcast: The Return // Big Skinny's Favorite Late Round Fantasy Football 2022 Draft Picks!Zacc aka the Stat Daddy aka Big Skinny aka DreadPirateWezz is back with a vengeance!! This episode is about some of the best late round fantasy football draft picks in 2022. Sit back, relax and learn yourself a thang or dos. Follow me on Ig & Youtube @lbczaccdisi 2022-08-1142 min

The Financial CallGuided Path 1-6 Income Planning for Investors Ages 40 to 60Now that we have discussed what you need to know as a young investor, we now need to discuss what you need to know as an experienced or wise investor approaching retirement. If you want to know how to retire as early as possible, you’ll want to listen to this episode. In this episode, Zacc Call and Laura Hadley provide professional advice about investing and curating your retirement plan in the later years of life and how you can minimize the time it takes you to retire. Zac...2022-08-0838 min

The Financial CallGuided Path 1-5 Income Planning for Investors Ages 25 to 40Your age has a large impact on how and when you will plan your income, invest your money, and spend your time. In this episode, Zacc Call and Laura Hadley discuss how individuals aged 25-40 can enhance their income planning strategies and capitalize on the amount of time they have to invest. Zacc and Laura discuss: How to increase your earning power Four ‘financial fires’ that can impact your income Where you can put your next dollar to organize your income And more Resources: The Fi...2022-07-2559 min

The Financial CallGuided Path 1-1 How to Organize Your Retirement IncomeThe transition into retirement can be spooky. It can leave you nervous thinking about how much money you will need to have in retirement and when it is okay to retire. In this episode, Zacc Call, CFP®, and Laura Hadley explain how to manage your portfolio withdrawals. They also share the importance of taking the right percentage of your investments out each year and how it can affect your retirement plan. Zacc and Laura discuss: What discussions you can look forward to in the coming episodes Discovering what amount of money you will be sa...2022-06-1433 min

The Financial CallGet To Know Your Host, Zacc Call, CFP®If you haven’t already met Zacc Call, the president at Capita Financial Network now is your opportunity to, in a lighthearted way. In this episode of The Financial Call, Shannon Lundberg interviews Zacc Call, CFP®, to get to know him on a more personal level. Zacc shares past stories you may not have heard before, and he also highlights some of his goals, and a definition of success in his field. Zacc discusses: How he started working at Capita One thing he would like to be remembered for How his 3 biggest interests play a part...2022-06-1331 min

The Financial CallHelping You Understand the Guided PathFinancial advice and discussions can sometimes sound like an entirely different language. In this episode of The Financial Call, Zacc Call and Laura Hadley will help you understand the guided path and its purpose no matter where you are with your financial knowledge. Zacc and Laura discuss: How their show will help you on your path to financial literacy and success Their main mission to guide you through the financial planning advice How the guided path is laid out And more Connect With Capita Financial Network: info@capitamail.com tfc@capit...2022-06-1310 min

Showbiz RoundupZacc HarrisZacc Harris puts all of the pieces together to build a celebrated career as a musician, composer, educator, and record label honcho. This year the Zacc Harris Group’s fall outing brings this sextet of accomplished and sought after twin-cities and twin-cities associated musicians to select cities in the Midwest to celebrate the release of their new album “Small Wonders.”2021-11-0126 min

HDO - JazzX5JazzX5#316. Zacc Harris Group: "The Void" [Small Wonders (Shifting Paradigm Records, 2021)] [Minipodcast de jazz] Por"The Void" Zacc Harris Group: Small Wonders (Shifting Paradigm Records, 2021) Zacc Harris, John Raymond, Brandon Wozniak, Bryan Nichols, Chris Bates, JT Bates. Zacc Harris es el autor del tema. El disco está publicado por Shifting Paradigm Records: https://shiftingparadigmrecords.bandcamp.com/ © Pachi Tapiz, 2021 JazzX5 es un minipodcast de HDO de la Factoría Tomajazz presentado, editado y producido por Pachi Tapiz. JazzX5 comenzó su andadura el 24 de junio de 2019. Todas las entregas de JazzX5 están disponibles en https://www.tomajazz.com/web/?cat=23120 / https://www.ivoox.com/jazzx5_bk_list_642835_1.html. En Tomajazz hemos abierto un canal de Telegram para qu...2021-10-2808 min

The DIS/Ableist NetworkDisability Is Sexy? Devoteeism With Zacc & RachelDevotees are people who are attracted to disability and disabled people. We have a candid conversation about the relationship between Zacc, who has a diagnosis of Duchenne Muscular Dystrophy, and his girlfriend Rachel, who is a devotee. From how they met, to attraction, to the blossoming of their relationship, Zacc and Rachel share their story, and the role that devoteeism plays in their love lives. Become a Patron: https://www.patreon.com/disableist Learn more about The DIS/Ableist Network: https://www.disableist.org Our Merch Store: https://www.cafepress.com/thedisableistnetwork 2021-10-1644 min

Explorers WantedZacc AttackAmidst a brewing conflict with villagers, the crew encounters an unexpected ally. (Played by special guest Dan Rodriguez.) Nix narrowly avoids her own version of the ChaCha experience, and hears disturbing rumors from around the Steadfast. Dili finds joy in the little things. Zacc weaves a wicked origin tale for the crew. ChaCha is confused by a crowd's reaction. Player Intrusion: Sampson: System Shock Remake Your cast: GM: Daniel Adilabrim "Dili" Kret: Sampson Chansey "Cha-Cha" Letoile: Alex Nix: Stace Special Guest Zacc: Dan Rodriguez 2021-10-061h 20

Disability After DarkEpisode 237 - “It was that episode of this podcast that made me look into devoteeism” - Zacc & RachelEpisode Notes In episode 237 of Disability After Dark, I sit down with Zacc and Rachel and we explore their relationship to devoteeism. Zacc and Rachel share that THIS podcast and the episode on devoteeism brought them together, Rachel shares how devoteeism works for her, they both talk about how devoteeism impacts their relationship and a whole lot more. This convo might change the way we look at devotees, maybe? Enjoy! Follow Zacc and Rachel’s blog here: https://rnz-blog.webflow.io Apply now to be on Disability After Dark by e-mailing disabilityafterdark@gmail.co...2021-04-101h 17

Internet Friends Talk BSIFTBS #28 - What Are These Questions!?!?Aya has joined the ring just for Zacc to question her, Ash, and Shinji several boring questions and dilemmas that brings them to the lamest conclusion of even the buzzfeed quizzes standards. Listen to the episode for Zacc being ridiculed for spending money on such boring book.2021-01-101h 04

The Financial Call2021 Social Security Changes & StrategiesZacc Call & Tyler Williamson discuss Social Security changes to expect in 2021. This is both a podcast episode and webinar found on youtube & thefinancialcall.com. Tyler updates us on new figures for 2021 Social Security and filing strategies. Zacc cover the top two mistakes being made in calculating your break-even age.2021-01-0459 min

Internet Friends Talk BSIFTBS #27 - Uno, Dos, Stress!!Zacc, Shinji, Ash, and Antrix went on and on about card games and especially Uno. Where does the the confiscated cards go? Should they all fight when playing Uno? And how did we get to the topic of strip clubs again??2020-12-191h 00

The Financial CallPlacing Your First Stock TradeInvesting is more accessible now than ever before. Now that you can trade at a ZERO-dollar commission, the biggest hurdle is understanding the lingo on the website to place an order. In this episode, Zacc walks you through the basics of stock & fund trading. Zacc places a trade in his daughter’s custodial account. The video is available on YouTube and audio is available on all major podcast providers. Do not be intimidated be the terminology. This episode will help you through it.2020-12-1743 min

The Financial CallDAFs – The Packing Cubes of Charitable GivingEpisode 50! I gave my co-workers packing cubes to celebrate my birthday. I am giving you the packing cubes of charitable giving today to celebrate episode 50. Donor Advised Funds are one of the most underutilized planning tools available to charitable givers. In this episode, Zacc breaks down Donor Advised Funds and why more people should be using them. Zacc explains the additional control DAFs provide over tax timing, giving records, and difficult-to-donate assets. Most people do charitable giving wrong. Don’t be most people.2020-12-0344 min

Internet Friends Talk BSIFTBS #26 - Humanity's Crash CourseSexist content creator environment? Creepy clocks? Flying off of your bikes? What else can humanity huddle through and not trip into their demise? Zacc, Ash, and Shinji will soon find out in this podcasts as they speak of their injury from flying off of things 2020-11-2856 min

Internet Friends Talk BSIFTBS #25 - Nut Covered Balls For The BoysZacc, Ash, Shinji, and a new guest, Meh talks about gucci chocolate as well as driving laws and high testosterone all boys school. Wouldn't you like to find out about the stories they gathered over the 6 years of primary school?2020-11-211h 07

The Financial CallPositioning Portfolios for the 2020 Election with Kurt BrownLet's discuss the number one client question. "How will the elections affect my investments and my retirement?" Join Zacc Call and Kurt Brown as they dive into the details. During this episode Kurt & Zacc explain why we haven't seen much inflation in spite of unprecedented government spending. Listen hear how Biden's proposed tax changes might affect the economy. Kurt and Zacc help simplify complex economic topics to help investors make sense of strange data.2020-11-031h 02

Internet Friends Talk BSIFTBS #21 - Dying NamesAsh, Zacc, Antrix and Kath explore the world of naming babies. From the ones that is going extinct to the most popular, they discuss the benefits of naming everyone James and digits in order to keep the world in order.2020-10-171h 11

Internet Friends Talk BSIFTBS #19 - Bike CARnageZacc is going to driving school to get his drivers license but quickly breakdown as Ash mentions her interest on riding a bike. They argued the pros and cons and screamed at each other while Lux and Shinji tries to join in but fails in over powering the screams 2020-09-191h 07

Internet Friends Talk BSIFTBS #17 - Gay Slang Pop QuizZacc had prepared a special quiz about gay slangs! And with a surprising turn of event, Lux was not the one acing the test. Join them as they question each other's sexuality.2020-09-0544 min

Internet Friends Talk BSIFTBS #16 - Ellen DeAmericanZacc, Ash, Lux, and Shinji invites Antrix, and American, to not only validify their jokes, but also make fun of boomers and cringey contents. Like this podcast.2020-08-2945 min

The Financial CallEstate Planning for the Simpsons with Greg Lyle - Talk With The ExpertJoin us today as Zacc Call talks with expert Greg Lyle, who is a University of Utah S.J. Quinney College of Law graduate and member of the Utah State Estate Planning Section. Greg discusses his easy method for getting through the basics of estate planning. Most people need some estate planning work, so tune in to learn more about the four main documents he suggests having which are a trust, will, power of attorney, and advanced directive.2020-08-1835 min

Internet Friends Talk BSIFTBS #14 - What if in the future...Ash, Zacc and Shinji starts talking about the future of art, as they totally qualify to. They started from talking about the higher expectations consumer has and what would be the limit for it. But as IFTBS goes, they got side tracked to talking about the cringey gore of Human Centipede 2020-08-081h 03

The Financial CallABCs of Mutual FundsZacc Call & Capita Advisor Matt Johns discuss the difference between mutual funds and exchange-traded funds. Many people avoid mutual funds because they think they are risky, but that isn't always true. Learn why you need to know the difference between mutual fund ETF active and passive in order to protect yourself from getting ripped off later.2020-08-0435 min

Internet Friends Talk BSIFTBS #12 - Teary Eyed School ExperienceZacc, Ash, Lux, and Shinji talks about school, as young kids would do. It was then when Zacc reveals his retarded classmate who found a tear gas container and decided to use it in class. Do you really want to miss out on the 4s stupid adventure while they were trying to consume as much unneeded knowledge as possible?2020-07-221h 05

Internet Friends Talk BSIFTBS #11 - Deep Sea Fantasies in SchoolThe idiot 4, Zacc, Ash, Lux, and Shinji explores the alien world of deep sea life. Zacc goes on and on about his borderline sexual obsession with gigantic monsters that coexists along us. The conversation somehow shifts from their fascination of tentacle creatures to their schools' own special culture.2020-07-1256 min

The Financial CallHow Do I Actually Get Money Out of My Portfolio? - Retiree QuestionsIn this "Retiree Questions" episode, Zacc goes over the logistics of making withdrawals from your portfolio account with the help of fellow Capita advisor Bart Wagstaff and support staff member Calli Case. These three discuss in depth what goes on behind the scenes of withdrawals, taxation, and related investment considerations. The group also touches on Required Minimum Distributions and Qualified Charitable Distributions as they relate to making withdrawals. Listen in to understand all your different withdrawal options 2020-07-0736 min

Internet Friends Talk BSIFTBS #10 - The Episode of 1 and 0Zacc, Ash and Lux invites Saccadic Chorus to read Zacc's Wattpad story that he had written back in 2017. The other laughs and discuss as Zacc suffers and cringe at his old writing. Meanwhile, Shanw suddenly intrudes into the recording without a warning and joins along.2020-07-0451 min

Internet Friends Talk BSIFTBS #9 - The Masterpiece of Blue Hair Sex MenThe 3, Zacc, Ash, and Lux invites Kath as they dive deep into the lore of Avatar. No, not the blue hair sex men, why do people even get that confused? Join them as they shit talk the film that doesn't deserve its place and laugh along as the bad jokes gets thrown around like it's a Lele Pons video.2020-06-2853 min

The Financial CallTake Social Security Or Withdraw From 401(k)? - Retiree QuestionsIn "Retiree Questions" episodes, Zacc answers the common retiree questions we receive while doing financial planning at Capita Financial Network. When retirees ask whether they should withdraw from their 401(k) or take Social Security, they will get a mountain of uninformed and sometimes terrible financial advice. Most advisors' tools are not equipped to provide an accurate answer to this question. If advisors understand the question, most give ballpark estimates. Frankly, many individuals don't know they should even ask the question. Listen to fully understand how there is so much more to Social Security decisions than a simple break even...2020-06-2324 min

Internet Friends Talk BSIFTBS #8 - Too Fat, Too FuriousZacc, Ash, Shinji, and Lux talks about fitness as they reveal their way of getting healthier. Listen as they reveal the secrets behind getting thinner and build stronger muscles. As well as the extremes opinion the people of tumblr has on anorexia and obesity.2020-06-131h 10

The Financial CallFixing A Social Security Mistake - Real RetireesIn "Real Retirees" episodes, Zacc talks through real situations and choices retirees must make. Jamison filed for Social Security benefits on his 67th birthday, however, this is likely a mistake. Listen to understand the error and to learn how to fix it.2020-06-0931 min

The Financial CallDiversification - A Good Thing Gone BadCapita advisors Zacc Call and Matt Johns discuss diversification and the ways it can affect your portfolio. In the early stages of portfolio construction, the diversification benefit is massive. However, it diminishes quicker than you realize. Why is that and how can we avoid it? Listen or watch this new episode to see what’s considered the ‘no man’s land’ when it comes to investing and your portfolio.2020-05-1239 min

The Financial CallNot-So-Rookie Investment MistakesZacc Call and Capita Advisor Matt Johns sit down and discuss the rookie mistakes, or not so rookie mistakes, made when investing. In this episode, they go over examples of mistakes you can and cannot avoid and why you will never have a perfect portfolio. 2020-04-2841 min

The Financial CallThe Dummies Are Back and Wanted a RothThe dummies, Ansley and Laura, are back. They wanted to learn how to open a Roth IRA account on their own. So, Zacc showed them how. This week's episode consists of step-by-step instructions on how to open up, contribute to, and invest inside a Roth IRA account. There is also a screen-recording of the entire process, so viewers can follow along at home. Zacc answers the dummies' basic questions along the way. Listen to and watch this episode to find out how you can do the same.2020-03-0334 min

Fail HarderZacc MilneEmma Jane Purcell chats to people at the top of their game about failure - from their first memory of failure to how they cope with it now. At age fifteen Zacc moved to New Zealand to dance with Parris Goebel's world renowned dance crew 'The Royal Family'. He has since gone on to choreograph, teach and dance around the world performing for countless top artists. He was also a finalist in season one of 'Ireland's Got Talent'. Zacc has opened the hugely successful 'Fly Dance Studio' with his sister Kerrie. But Zacc is not here to t...2020-02-1358 min

The Financial CallFinancial Fears Getting in the Way of Your Happiness?Sometimes the numbers don’t always tell you what’s best. Zacc tells the story of Brad & Katie and how their financial goals may be getting in the way of their overall happiness. Zacc lays out their options to both achieve their goals and be happy, but it may be different than what the numbers suggest. Listen to this episode to find out if your financial fears are keeping you from your happiness.2020-01-0327 min

Trail Listening PostMontana Area Music Association - Maria Zepeda and Anthony Brown - Music at the ZACCMaria Zepeda and Anthony Brown from the Montana Area Music Association (MAMA) came through The Trail to talk to Robert Chase about an event they are hosting at the ZACC on Friday, November 15th.Join MAMA at the ZACC for a night of Missoula music and conversation with local music lovers and other visionaries. Doors open at 6:30, and the show is from 7-10 PM. MAMA connects and empowers musicians while working to sustain a healthy musical community for the great state of Montana.2019-11-1409 min

The Financial CallEconomics Defined by a 12 Year OldIn this episode, Zacc sits down with a group of young men ranging from 11-13 years old. They’re asked a series of questions about their finances and what they do to earn money. What do kids think is the typical average income? How much should kids be earning for jobs at this age? Should they get an allowance? How should they spend their earnings? Listen to hear the different perspectives and advice Zacc gives to these young men.2019-10-2220 min

Ashlee Off-AirBlacc Zacc, the ReturnWho is the richest rapper in South Carolina and my favorite trapper, Blacc Zacc, He pulled up while in Houston on Stunna 4 Vegas' Big 4x Tour and we popped that sh*t. Now with his new single "Sassy," he's reached another pinnacle in his career, what has changed?2019-08-1418 min

Ashlee Off-AirThe Richest Rapper in South Carolina, Blacc ZaccBlacc Zacc is the hottest rapper out of Columbia, SC -- as well as the richest rapper in the state! We talked about my infatuation with tall Crip rappers, what it's like coming out of South Carolina, being on tour with Da Baby and more.2019-05-0614 min

Saving Animals with Blank Park ZooSaving Animals Episode 77: Beth Armstrong and the ZACC Conference part 2Jessie interviews Beth Armstrong about the Zoos and Aquariums Committing to Conservation (ZACC) Conference.2019-02-1500 min

Saving Animals with Blank Park ZooSaving Animals Episode 75: Beth Armstrong and the origins of the ZACC ConferenceBeth Armstrong talks to us about her time as a gorilla keeper at the Columbus Zoo and the inspiration and origins for the ZACC Conference (Zoos and Aquariums Committing to Conservation).2019-01-3000 min

Saving Animals with Blank Park ZooSaving Animals Episode 33: ZACC Conference RecapJessie Lowry recaps the ZACC conference.2018-02-1000 min

PoPolitickinArtist Spotlight - Blacc ZaccWelcome to another cool edition of PoPolitickin. In this episode, we politick with Columbia, South Carolina rapper Blacc Zacc. As Founder/CEO of Dirty Money Entertainmet (DME), Blacc Zacc is an entrepreneur on the rise, with plans to make his label a household name. Born Zachary Chapman in Columbia, South Carolina, Blacc Zacc grew up in Columbia Gardens where he began rapping at the age of 13. “I was inspired to be successful in life by my older brother Tony,” he remembers. “I looked up to my big brother’s lifestyle as a child.”He was also influenced...2017-05-2916 min

Po PolitickinArtist Spotlight - Blacc ZaccWelcome to another cool edition of PoPolitickin. In this episode, we politick with Columbia, South Carolina rapper Blacc Zacc. As Founder/CEO of Dirty Money Entertainmet (DME), Blacc Zacc is an entrepreneur on the rise, with plans to make his label a household name. Born Zachary Chapman in Columbia, South Carolina, Blacc Zacc grew up in Columbia Gardens where he began rapping at the age of 13. "I was inspired to be successful in life by my older brother Tony," he remembers. "I looked up to my big brother's lifestyle as a child."He was also influenced...2017-05-2916 min