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PODCAST

The Modern Shift Podcast

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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

13:08

Best Cities for Immigrants to Save Money in 2025

The Modern Shift Podcast ·

2025/11/19

This Episode discuss global migration and urban economic dynamics, focusing on both developed and developing regions, and the specific challenges faced by immigrants. One source details a rigorous methodology for creating city-level indices for cost of living, wages, and purchasing power for both expatriates and ordinary residents, highlighting the limitations of existing commercial reports and the need for accurate data in a globally interconnected world. Another source emphasizes the economic

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10:07

Multiple Income Streams, Zero Tax Surprises: Your W-4...

The Modern Shift Podcast ·

2025/11/18

This Episode provide a comprehensive overview of U.S. federal income tax obligations, primarily focusing on estimated tax for individuals and withholding for various income types. The IRS documents, specifically excerpts from Form 1040-ES and Publication 505, detail who must pay estimated taxes on income not subject to withholding—such as self-employment earnings and gig work—and offer instructions on calculating these payments, including updated standard deduction amounts for 2025. Other sources,

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12:52

Gross vs. Net: Why Your Paycheck is SO Much Smaller...

The Modern Shift Podcast ·

2025/11/17

This Episode offer a comprehensive look at pay stubs and the payroll deductions common in both the United States and Canada, emphasizing the importance of understanding these documents for personal finance. Several articles define a pay stub as a summary detailing an employee's gross income, deductions (taxes and benefits), and final net pay or take-home amount. Key deductions explained for the U.S. include Federal Income Tax and FICA taxes (Social Security and Medicare), while Canadian sources

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12:21

How to Get a Phone Plan with No Credit and Build Your...

The Modern Shift Podcast ·

2025/11/16

These sources collectively focus on the challenges and solutions for individuals with limited or poor credit history seeking essential services like cell phone plans and traditional credit products. Several articles recommend various Mobile Virtual Network Operators (MVNOs) such as Tello, Visible, and US Mobile, which offer prepaid plans that circumvent the need for a credit check, contrasting them with postpaid plans from major carriers that typically require credit screening and sometimes security

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12:51

The Digital Blueprint for Immigrant Success: AI Jobs,...

The Modern Shift Podcast ·

2025/11/14

This Episode provides extensive information on various digital tools and services designed to support immigrants and newcomers in the United States. Specifically, the texts cover the best employment apps and websites that offer job search assistance, resume building, and translation services, highlighting resources like Equity Languages & Employment Services and Upwardly Global. Other sources focus on essential financial apps and services tailored to immigrants, such as Nova Credit for

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14:34

Immigrant Financial Defense: Stop Scams and Predatory...

The Modern Shift Podcast ·

2025/11/13

This Episode provide comprehensive warnings and guidance regarding the numerous scams and financial pitfalls that target immigrants and newcomers in countries like the U.S. and Canada. Several sources focus heavily on immigration scams, particularly the deceitful practice of notarios públicos claiming to be qualified legal counsel when they are not, and the prevalence of fake government websites or job offers requiring upfront payment. Others highlight general financial risks, such as

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12:00

Canada vs. US Tax Showdown: Why the Higher Marginal...

The Modern Shift Podcast ·

2025/11/12

This Episode collectively offer a comprehensive comparison of the Canadian and U.S. tax systems, focusing heavily on the complex situation of cross-border workers and expatriates. The primary theme is that while Canadian income tax rates (federal plus provincial) are generally higher than U.S. rates, an American expat in Canada often owes zero U.S. tax due to mechanisms like the Foreign Tax Credit and the Foreign Earned Income Exclusion, which prevent double taxation. The texts outline key

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21:17

The Green Card Trap: Unpacking the Maze of...

The Modern Shift Podcast ·

2025/11/11

This Episode provide comprehensive information regarding the rights, obligations, and financial benefits available to immigrants in the United States, irrespective of their legal status. One set of documents details how lawful permanent residents (LPRs), or Green Card holders, are automatically considered U.S. tax residents and must report their worldwide income while navigating complex rules like FBAR and FATCA, or face severe penalties. Conversely, other sources focus on the limited eligibility of

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16:45

Under the Table Cash Trap: How Unreported Income...

The Modern Shift Podcast ·

2025/11/11

This Episode provide a multi-faceted view of personal finance topics, focusing on the risks and requirements of working without formal employment documentation and the critical importance of credit visibility and score building. Several Canadian sources discuss the dangers of being paid "under the table," emphasizing that individuals must report all income as self-employed to avoid tax evasion penalties, while noting the loss of benefits like Employment Insurance (EI) and Canada Pension Plan (CPP)

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16:59

The Strategy Game of Auto Loans: Securing a Car with...

The Modern Shift Podcast ·

2025/11/08

This Episode offer comprehensive advice on obtaining an auto loan, especially for borrowers with bad or no credit history. Several articles emphasize key preparation steps, such as knowing your credit score and gathering essential documents, including proof of income and identity. The texts discuss various financing options, highlighting that credit unions and banks may be more flexible than traditional institutions for those with limited credit, while cautioning against predatory "buy here, pay

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20:09

The Immigrant's Side Hustle Trap: H1B Freelancing,...

The Modern Shift Podcast ·

2025/11/07

This episode offer detailed guidance regarding the complexities of immigration law and employment in the United States, particularly for immigrants and foreign nationals seeking to work or start a business. One document focuses specifically on legal ways for undocumented immigrants to earn income, primarily through independent contracting or self-employment, by distinguishing these roles from traditional employment and outlining tax responsibilities, such as using an ITIN or SSN to file taxes. The

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19:56

US vs. Canada: The Real Cost of Living, Salaries, and...

The Modern Shift Podcast ·

2025/11/06

This episode primarily compare Canada and the United States across several key economic and social dimensions, including healthcare systems, housing affordability, and labor market trends related to immigration. One source offers a detailed academic comparison of US and Canadian healthcare, concluding that Canada generally fares better in terms of coverage and cost despite longer wait times, while also discussing the impact of the US Patient Protection and Affordable Care Act (PPACA). Another set of

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12:54

Immigrant Finance Deep Dive: Banking, Credit, and...

The Modern Shift Podcast ·

2025/11/05

This episode provide comprehensive information regarding mortgage and banking access for immigrants in both Canada and the United States, highlighting specific programs and requirements. The Canadian texts, including a Reddit discussion and CMHC documents, confirm that major Canadian banks offer newcomer account programs and that CMHC-insured financing is available to both permanent and non-permanent residents, often considering alternative credit history methods. Conversely, the U.S. sources detail

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1:56

The Billion-Dollar Paradox: Are Undocumented...

The Modern Shift Podcast ·

2025/11/04

This episode examine the complex economic and fiscal impacts of undocumented immigrants in the United States, presenting contrasting viewpoints on whether this population constitutes a net benefit or a burden to taxpayers. One source, an academic article from Boise State University, argues that while there are costs associated with services like law enforcement, education, and healthcare, undocumented immigrants generally contribute more in federal taxes than they consume in federal services, with

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14:57

The Immigrant Healthcare Minefield: Why Eligibility...

The Modern Shift Podcast ·

2025/11/03

ThisEpisode examine the complex landscape of Medicaid and health coverage eligibility for immigrants in the United States, providing both general overviews and specific policy updates from various organizations. Publications from KFF (Kaiser Family Foundation) offer extensive data on uninsured rates and health care utilization among different immigrant groups, emphasizing that undocumented immigrants are ineligible for federal programs like Medicaid and that lawfully present immigrants often face a

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15:25

SNAP, Public Charge, and the Legal Firewall:...

The Modern Shift Podcast ·

2025/11/02

This episode discuss the Supplemental Nutrition Assistance Program (SNAP), formerly known as food stamps, with a primary focus on eligibility for non-citizens, particularly undocumented immigrants and their U.S.-citizen children. Official government and non-profit guidance clarifies that undocumented non-citizens are ineligible for SNAP themselves, but their citizen children under 18 may be eligible, provided the household meets other requirements such as income limits. A Reddit thread offers a

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16:24

The Hidden Truth About Noncitizen Voting: Risk,...

The Modern Shift Podcast ·

2025/11/01

This Episode discuss the contentious issue of noncitizen voting in the United States, presenting both arguments against the practice and evidence of its limited local implementation. One source provides testimony arguing that federal laws make noncitizen voting illegal and deportable offenses, warning that current voter registration laws, like the Motor Voter Law, make it easy for noncitizens to register either accidentally or intentionally, which critics argue is a recipe for fraud given the large

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16:04

The Unauthorized Population Crisis: Unpacking the 8...

The Modern Shift Podcast ·

2025/10/31

This Episode address the complex topic of the unauthorized immigrant population in the United States, focusing heavily on population estimates, demographic characteristics, and terminology. Multiple organizations, including the Department of Homeland Security's Office of Homeland Security Statistics (OHSS) and the Pew Research Center, offer varying estimates, with figures ranging significantly based on methodology and definitions, though most non-advocacy groups generally align. The sources document

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19:11

The Deep Dive on Tax Residency: Green Cards, 183...

The Modern Shift Podcast ·

2025/10/30

This Episode offer guidance on two distinct tax systems: the United States tax obligations for nonresident aliens and the Canadian Goods and Services Tax/Harmonized Sales Tax (GST/HST) credit. The U.S. sources, primarily from the IRS and the VITA/TCE program, focus heavily on the requirements for Form 8843 and Form 1040-NR for nonresidents, particularly students and scholars on F, J, M, or Q visas, explaining how to determine residency status using the Substantial Presence Test and claiming tax

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22:28

The IRS Maze: Non-Citizen Tax Secrets—SPT, ECI vs....

The Modern Shift Podcast ·

2025/10/29

This Episode provide an extensive overview of U.S. tax compliance requirements for individuals with international ties, including citizens, residents, and non-residents, with a strong focus on expatriate and immigrant tax issues. Multiple sources emphasize the critical need to report foreign financial accounts through the Foreign Bank Account Report (FBAR), or FinCEN Form 114, and potentially FATCA Form 8938, detailing severe penalties for non-willful and willful non-compliance. A significant topic

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