Good morning. While Washington scrambles to fund government operations and distribute tariff dividends, savvy Americans are writing off family vacations as business expenses.

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The Senate voted 60-40 Sunday to advance legislation ending the month-long government shutdown. Eight Democrats joined Republicans, though the deal doesn't guarantee extending Affordable Care Act subsidies expiring January 1.

The shutdown began October 1, with Democrats previously blocking 14 votes demanding health care tax credit extensions. The compromise includes funding bills, reinstating laid-off federal workers with back pay, and a promised December subsidy vote.

Senate Democratic Leader Chuck Schumer opposed the deal. Effects worsen: airlines canceled 2,000+ flights Sunday, food assistance faces delays for millions, and federal workers remain unpaid through the shutdown's 38th day. Live updates here.

President Trump announced Sunday on Truth Social that Americans will receive at least $2,000 from tariff revenue, excluding high-income earners. The proposal would require Congressional approval.

Senator Josh Hawley introduced similar $600 rebate legislation this summer. The Treasury collected $195 billion in tariff duties through September. Treasury Secretary Scott Bessent previously identified paying down the $38.12 trillion national debt as the administration's priority.

Consumers currently face an 18 percent average tariff rate, the highest since 1934. Trump imposed sweeping tariffs on trading partners in April, with firms passing some costs to customers. The White House hasn't clarified implementation details.

Visa and Mastercard are nearing a settlement with merchants ending a 20-year legal dispute over credit card fees. The deal would lower interchange fees (currently 2-2.5%) by approximately 0.1 percentage point over several years.

The 2005 lawsuit alleged anticompetitive behavior regarding fees and acceptance rules. Banks collected $72 billion in interchange fees during 2023. The settlement would let merchants reject certain card categories, including high-fee rewards cards.

Consumers could see changes at checkout, with some stores potentially refusing rewards cards despite their popularity. A March 2024 settlement was rejected by the judge. The new deal requires court approval before taking effect.

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Grant Cardone says wealthy people don't take vacations—they hold board meetings. The IRS allows LLC and S-corp owners to form boards of advisors including family members.

Schedule quarterly board meetings anywhere globally. Flights (100%), hotels (100%), and meals (50%) are legally deductible as business expenses.

Add advisors to your operating agreement and keep meeting minutes. Legitimate business discussions about revenue, growth, marketing, or taxes qualify.

To make it bulletproof: create quarterly meeting calendar, save all receipts, summarize outcomes, and obtain attendee signatures.

Read post.

Music therapist Elisha Ellis Madsen says singing regulates the nervous system through rhythmic breathing and vibration. Research confirms singing reduces cortisol levels in both solo and group settings. Choir singers demonstrate enhanced episodic memory, verbal fluency, and higher lung capacity. Group singing raises oxytocin levels and increases cytokine activity, stimulating immune response. Neurologically, singing activates multiple brain areas simultaneously, protecting against cognitive decline.

Read article.

▲ BBC Directors resign after documentary deceptively edited Trump's Jan. 6 speech about Capitol riot | See edit here

▲ Sony CBS settle lawsuit as Sony takes over $100M+ game show distribution for "Wheel of Fortune" and "Jeopardy!"

▲ Guardians Pitchers Clase and Ortiz indicted for rigging pitches in gambling fraud scheme winning bettors $450,000

▲ Pfizer Metsera wins $10 billion bidding war against Novo Nordisk for obesity drug startup after FTC concerns

▲ Energy Secretary Wright calls COP30 climate summit "hoax" as U.S. skips Brazil conference entirely | Bill Gates changes alarmist stance

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