he ace tim maher, director of personal financial for the bam network. tim, welcome. good as always to see you. let's start with this new tax on northwest investment income. let's go back over it one more time. who does it affect? what kind of income does it cover? and how does it work? >> if you're making under $250,000 of modified adjusted gross income, you won't have to worry about it this one this year at least, but if it's over $250,000, then there's going to be an additional 3.8% tax on your net investment income. this is passive income, like capital gains, dividends, if you do have a rental property, that could be considered passive income. in some cases there may even be annuienuityized income that's subjected to this new tax. it really is a seismic shift, even though most people are going to feel it this year. >> if you are lucky enough to earn $250,000 in modified adjusted gross income, but unlucky enough to be subject to this tax, is there any way you can avoid it? >> not much of a way, tyler. i think one of the things you can do, we're looking at these opt