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PODCAST

The Modern Shift Podcast

abdelhamid bou ikhessayen

Welcome to The Modern Shift Podcast , the podcast where we break down the money secrets no one tells ! And Side hustle you can start and all about starting your financial journey , we will gives you a step-by-step path to finally feel in control of your Life

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All Episodes

14:52

Business Credit, EIN, ITIN, and Immigrant Finances

The Modern Shift Podcast ·

2025/12/07

This episode offer a comprehensive guide to tax identification numbers in the United States—specifically the SSN (Social Security Number), ITIN (Individual Taxpayer Identification Number), and EIN (Employer Identification Number)—detailing their purpose, who is eligible, and how to apply for them. They emphasize that non-citizens and foreign residents can establish legal business entities like an LLC and engage in self-employment or business activities using an ITIN or EIN. Furthermore, the

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14:26

ITIN Mortgage Lending Guidelines and Lenders

The Modern Shift Podcast ·

2025/12/06

This episode comprises two different sets of guidelines for Individual Taxpayer Identification Number (ITIN) loan programs, specifically offering alternative documentation options for borrowers. The majority of the text consists of an excerpt from Community Savings' "Community ITIN Underwriting Guidelines," which provides an extensive framework detailing requirements for program eligibility, borrower eligibility, credit history, asset documentation, income analysis, and property eligibility, often

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15:07

Financial Guide for New Immigrants in the US

The Modern Shift Podcast ·

2025/12/05

This episode provide a comprehensive guide to the financial landscape and potential pitfalls for new immigrants and foreign workers in the U.S. and abroad. The information focuses heavily on establishing a stable financial foundation through effective budgeting, avoiding common mistakes like underestimating the cost of living, and managing remittances responsibly. A significant portion of the text addresses credit building strategies, such as using secured cards and understanding the factors that

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13:05

F-1 Student Visa Employment and Authorization Guide

The Modern Shift Podcast ·

2025/12/04

This episode explain that F-1 student visa holders are strictly prohibited from unauthorized work in the U.S., including independent contractor or "gig economy" jobs like driving for Uber or DoorDash, regardless of whether they receive a W-2 or 1099 tax form. Engaging in unauthorized employment is a deportable offense that can lead to visa termination, bars on future re-entry, and jeopardizes eligibility for benefits like green cards. Legal off-campus employment options for F-1 students are limited

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13:47

Nonresident Alien US Tax Compliance and Treaties

The Modern Shift Podcast ·

2025/12/03

This episode offers a comprehensive guide to U.S. tax obligations for international students, particularly those on F-1, J-1, or M-1 visas, emphasizing the critical distinction between resident and nonresident alien tax status. The Internal Revenue Service (IRS) guidance and an educational institution resource clarify that students in F visa status for five calendar years or less are typically considered nonresident aliens, exempting them from FICA taxes (Social Security and Medicare) and

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14:06

Credit Inquiries: Hard Pulls and Score Protection

The Modern Shift Podcast ·

2025/12/03

This episode deliver extensive consumer education focusing on the impact of credit inquiries, which are categorized into two types based on their effect on credit scores. They clarify that soft inquiries, resulting from activities like personal credit checks or pre-approved credit offers, do not negatively influence a consumer’s score. Conversely, hard inquiries, which occur when actively applying for a loan or credit card, generally result in a minor, temporary score reduction, often described as

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13:47

Credit Card Strategies and Financial Guidance

The Modern Shift Podcast ·

2025/12/02

The provided sources offer extensive advice on credit cards and personal finance management, focusing heavily on optimizing reward programs and avoiding costly mistakes. Multiple texts from financial publishers and institutions, such as Bankrate and Scotiabank, emphasize the importance of responsible credit use, specifically advising against late payments, carrying a balance, and overspending. A major theme is the strategic use of credit cards to maximize rewards, with detailed discussions on high

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13:07

Optimizing International Money Transfers and...

The Modern Shift Podcast ·

2025/12/01

This episode offer an extensive analysis of the international money transfer industry, primarily contrasting traditional banks with online money transfer service providers (MTOs). One source highlights that banks use the costly SWIFT network, charging multiple fees and less favorable exchange rates, whereas MTOs like Wise utilize clever local account networks to offer faster, cheaper, and more transparent transactions by avoiding the SWIFT system. Complementing this, the World Bank's Remittance

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13:29

US Banking for Non-Residents: ITIN and Account...

The Modern Shift Podcast ·

2025/11/30

This episode focus on the requirements for non-U.S. residents and foreigners to open both personal and business bank accounts in the United States, particularly when lacking a Social Security Number (SSN). The sources repeatedly emphasize that the Individual Taxpayer Identification Number (ITIN), issued by the IRS for tax purposes, is often an acceptable alternative for identity verification at major banks like Chase, Bank of America, and Wells Fargo, though a physical U.S. residential address is

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15:36

Immigrant Auto Buying and Financial Protection

The Modern Shift Podcast ·

2025/11/29

This episode offer comprehensive advice and warnings regarding auto financing and consumer protection, specifically focusing on immigrant populations in the United States. Several sources provide step-by-step guides for car buying, including how to obtain a driver's license, secure loans from immigrant-friendly lenders, and acquire auto insurance, noting the common challenges faced by non-citizens. Other materials detail the predatory lending practices within the auto industry, such as the

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14:56

US-Canada Cross-Border Retirement and Tax Planning

The Modern Shift Podcast ·

2025/11/28

This episode provide a detailed cross-border comparison of retirement savings vehicles in Canada and the United States, focusing heavily on tax implications for dual citizens and expats. Key Canadian accounts examined are the Registered Retirement Savings Plan (RRSP) and the Tax-Free Savings Account (TFSA), which are directly compared to American counterparts like the Traditional and Roth IRAs and the 401(k). The information highlights that while both countries offer similar tax-deferred growth

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12:49

Federal and State Tax Credits for Families and...

The Modern Shift Podcast ·

2025/11/27

The provided sources offer a comprehensive overview of several major U.S. federal tax credits and deductions relevant to individual filers for the 2025 tax year, often referencing changes from the prior year. Specifically, the material explains the significant features of the 2025 Adoption Tax Credit, detailing its increased nonrefundable amount, partial refundability, income phase-outs, and eligible expenses, alongside mentioning various state-level adoption tax benefits. The IRS-related documents

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14:14

Immigrant Financial Inclusion and Credit Building

The Modern Shift Podcast ·

2025/11/26

The sources collectively address financial literacy and access for immigrants and others new to the U.S. financial system, focusing primarily on the concepts of credit building, debt traps, and the difference between credit and debit cards. Several texts, including a Reddit thread, attempt to simplify complex accounting principles like debits and credits, highlighting the general confusion surrounding these terms. A significant portion of the material, including content from Experian and

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13:25

Financial Inclusion and Credit Access for Immigrants

The Modern Shift Podcast ·

2025/11/25

This episode offer a comprehensive overview of the financial challenges and opportunities for immigrants in the U.S., focusing heavily on building a secure financial foundation and accessing major loans. Several articles stress the importance of understanding basic financial tools like debit and credit cards for managing money responsibly, avoiding debt traps, and eventually establishing a credit history, often pointing to community banks and credit unions as beneficial resources for newcomers. A

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13:36

Gross Pay, Net Pay, and Wage Protection Laws

The Modern Shift Podcast ·

2025/11/24

This episode focus extensively on the mechanics of employee compensation, differentiating between gross pay (total earnings before deductions) and net pay (take-home wages after deductions). Multiple texts explain the importance of pay stubs as records detailing income, mandatory withholdings like FICA (Social Security and Medicare taxes) and income tax, and voluntary contributions for benefits like retirement. A significant theme across the sources is the issue of wage theft, which occurs when

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15:11

Immigrant Credit Building in the United States

The Modern Shift Podcast ·

2025/11/23

This episode provide comprehensive information on building and managing credit in the U.S., particularly for new immigrants and individuals without a Social Security Number (SSN). They explain that foreign credit histories do not transfer, making it essential to establish a domestic credit profile. Various strategies are detailed, including obtaining a credit builder loan, applying for a secured credit card, or becoming an authorized user on an established account. Furthermore, the texts discuss the

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17:32

US Canada Retirement Planning Tax Traps

The Modern Shift Podcast ·

2025/11/23

This episode provide a detailed overview of the complexities surrounding retirement savings plans for individuals moving between the United States and Canada, primarily focusing on the U.S. 401(k) and the Canadian Registered Retirement Savings Plan (RRSP). The documents explain the tax implications and residency requirements for foreign nationals working in the U.S. who contribute to a 401(k), including the withholding taxes and penalties associated with early withdrawals, particularly for resident

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15:10

Cryptocurrency and Stablecoin Remittances: Costs,...

The Modern Shift Podcast ·

2025/11/22

This Episode examine the rapidly evolving landscape of international money transfers, specifically comparing traditional wire transfers with cryptocurrency and stablecoin remittances. Multiple documents from sources like Bankrate and the World Bank highlight the traditional system's high costs—averaging around 6.5% globally—and slow processing times, noting that blockchain-based solutions offer significantly lower fees (often 1–3%) and near-instant settlement. Sources emphasize that cryptocurrency

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15:22

Opening a Business as an Immigrant (LLC & Taxes 101)

The Modern Shift Podcast ·

2025/11/21

This Epispde offer comprehensive guidance on immigrant entrepreneurship, particularly focusing on the U.S. and Canadian contexts, as well as the challenges faced in places like Dublin. Several documents from Immigrants Rising explain how non-citizens, regardless of legal status, can work as independent contractors or start businesses in the U.S. using an Individual Taxpayer Identification Number (ITIN) or an Employer Identification Number (EIN), outlining the required forms (W-9, 1099, 1040) and tax

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14:05

Student Visa Life: Surviving on a Budget

The Modern Shift Podcast ·

2025/11/20

This Episode the significant financial and legal challenges faced by international students globally, focusing heavily on strategies for cost management and risk mitigation. One source specifically details the vulnerability of international students to various scams, including phishing and recruitment fraud, and offers preventative advice using the "S.C.A.M." method. Another source provides a comprehensive guide to navigating the difficult and costly housing market in Canada, outlining rental

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