085: The Future of Bitcoin, Paying Uncle Sam, Knowing Your Investing Risk Tolerance

In episode 85, we discuss all things Bitcoin! We give you the ins and outs of the growing financial phenomenon and how it can affect your pocketbook. We also discuss the tax implications on this digital currency and how Uncle Sam is looking to get his cut. Plus, we give you valuable insight what your risk tolerance should be when investing. All of this and more on The #Money Factor.

Links:

https://www.cnbc.com/2017/12/07/should-you-buy-into-bitcoin-heres-what-top-investors-say.html

http://money.cnn.com/2017/12/07/technology/bitcoin-explainer/index.html

https://www.buybitcoinworldwide.com/kb/investing-in-bitcoin/

https://www.cnbc.com/2017/12/07/while-youre-tallying-your-bitcoin-gains-dont-forget-the-taxman.html

084: Millennials and The Financial Crisis, Hacker Tips on Saving More, Controlling Over Spending

In episode 84, we come back with all of the financial insight you need here on The Money Factor! We take a look at how the financial crisis of 2008 has affected the millennials 10 years later. We also discuss tips to help you save more for your emergency fund. Plus, we give valuable insight on controlling your overspending habits.  All of this and more on the #MoneyFactor.

Links:

http://money.cnn.com/2017/12/04/pf/impact-recession-millennials/index.html?iid=hp-grid-dom

http://money.cnn.com/2017/11/30/pf/credit-card-debt-pay-down-debt/index.html?iid=SF_LN

http://money.cnn.com/2017/12/01/pf/savings-crisis/index.html?iid=SF_LN

083: Losing Jobs over Student Loans, Wages vs Cost Of Living, Understanding Your Financial Foundation

In episode 83, we dive back into the importance of your finances right here on the money factor! We take a look at the growth of individuals losing their employment due to unpaid student loans. We also breakdown the stagnant wages vs the cost of living increases in America. Plus, we give valuable insight into understanding your financial foundation. All of this and more on the #TheMoneyFactor.

Links:

http://www.fox26houston.com/news/study-shows-half-of-all-americans-think-wages-are-falling-short-of-cost-of-living

https://www.nytimes.com/2017/11/18/business/student-loans-licenses.html

082: Holiday Gift Giving Overrated, Retailers Preparing for Buyers, The Power of Money

In episode 82, we discuss some of the overrated ideas of holiday gift giving. We also look at how retailers are trying to prepare for those same holiday buyers and the level of marketing that they are having to reach to. Plus, we breakdown the power of money and why you need the insight.  All of this and more on the #MoneyFactor.

Links:

http://minnesota.cbslocal.com/2017/11/13/no-holiday-gifts-survey/
http://money.cnn.com/2017/11/20/news/retailers-holiday-promotions-stunts/index.html

 

081: Obamacare 2018 and What You Need to Know

In episode 81, we discuss everything that you need to know about the changes in Obamacare (also known as the Affordable Healthcare Act). We discuss the 5 specific changes that you need to be aware of moving into 2018. We also dive into health care sharing ministries as an affordable option to the Obamacare offerings. Plus, we take a look at the steep penalties for not having coverage.  All of this and more on the #MoneyFactor.

Links:

http://money.cnn.com/2017/11/13/news/economy/obamacare-insurer-choice/index.html?iid=hp-toplead-dom

http://money.cnn.com/2017/11/01/news/economy/obamacare-open-enrollment-2018/index.html?iid=EL

https://www.laurengreutman.com/save-money-with-health-care-sharing-ministries/

http://www.medicalcostshare.com/comparison-of-major-healthcare-sharing-ministries.html

https://www.healthcare.gov/fees/fee-for-not-being-covered/

080: New U.S. Tax Plan and Changes, College Savings and Preparation, America’s Growing Wealth Gap

In episode 80, we dive deep into the world of finance. We discuss the new tax plan proposed and the changes that will definitely affect your bottom line. We also speak on the need for college savings and preparation for that upcoming financial burden. Plus, we breakdown America’s growing wealth gap and how it can be rectified.   All of this and more on the #MoneyFactor.

Links:

https://www.cnbc.com/2017/11/03/the-good-the-bad-and-the-money-what-the-gop-tax-plan-means-for-you.html

http://money.cnn.com/2017/11/03/pf/college/house-tax-plan-unborn-child-529/index.html

http://money.cnn.com/2017/11/02/pf/college/house-tax-bill-student-loan-interest-deduction/index.html?iid=EL

http://money.cnn.com/2017/11/03/news/economy/wealth-gap-america/index.html

079: Obamacare Premiums Increasing in 2018, Understanding Your 401K and Social Security

In episode 79, we welcome back Toni Sanders as we give you the latest in finance and money matters around the globe. We discuss the Obamacare premium increase that’s set to hit in 2018. We also discuss the current misunderstandings of social security and the unlikelihood of it supporting your retirement needs. Plus, we give valuable insight to understanding your 401K.  All of this and more on the #MoneyFactor.

Links:

http://money.cnn.com/2017/10/30/news/economy/obamacare-premiums/index.html?iid=hp-stack-dom

https://finder.healthcare.gov

http://money.cnn.com/2017/10/19/retirement/401k-ira-contribution-limits-2018/index.html?iid=SF_LN

http://money.cnn.com/2017/10/13/retirement/social-security-2018-cola/index.html?iid=SF_LN

078: Secrets from Successful Savers, Cost Cutting Measures to Avoid, Find Your Financial Resolution

In episode 78, we welcome back guest host Kiara Peoples (kpeoples1207@yahoo.com) to discuss some of the best secrets from successful savers. We also look at some of those tantalizing cost cutting measures that you really should avoid. Plus, we show you how to find your financial resolution.   All of this and more on the #MoneyFactor.

Links:

https://www.discover.com/online-banking/banking-topics/common-cost-cutting-measures-to-avoid/?cmpgnid=os-bk-contosob&src=S00000HCC&van=Dbank

https://www.discover.com/online-banking/banking-topics/3-secrets-of-successful-savers/

https://www.discover.com/online-banking/banking-topics/5-financial-resolution-alternatives/

077: 5 Things Millennials Need to Know About Retirement, Understanding Your 401k, 403b, Etc.

In episode 77, we welcome guest host Ahmad Scott with Millennial$ & Money (ahmad.scott01@gmail.com) to dive into retirement and how it relates to millennials. We take an in depth look into retirement and when to officially start planning as a millennial. We also breakdown the inner workings of 401Ks and the different retirement variants. Plus, we give you 5 key things to know about retiring the “right way”.   All of this and more on the #MoneyFactor.

Links:

http://money.cnn.com/2016/02/25/pf/yelp-entitled-millennial/index.html

http://money.cnn.com/2017/03/30/retirement/millennials-retirement/index.html

http://money.cnn.com/pf/money-essentials-401k-investing/index.html

076: 10 Steps on Buying A Home, Equifax Congressional Regulation, Credit Difficulties for Mortgages

In episode 76, we welcome guest host Sandra Schrenk, Realtor with Keller Williams (slschrenk@gmail.com) to discuss the burden of purchasing a home with the Equifax crisis. We take a look at some of the difficulties people are experiencing as well as the regulation that congress may pass. Plus, we give you 10 steps to follow on buying your first or fortieth home. All of this and more on the #MoneyFactor.

Links:

http://money.cnn.com/2017/10/05/pf/equifax-breach-congress-regulation/index.html?iid=hp-stack-dom

https://www.realtor.com/news/trends/equifax-breach/

http://money.cnn.com/pf/money-essentials-home-buying/index.html

075: Student Loan Forgiveness, College Planning and Financial Preparation

In episode 75, we welcome guest host Dr. Aisha Asby (Draisha.asby@gmail.com) to discuss being financially ready for college. We take a look at the student loan forgiveness program that is coming up on its 10 year anniversary. We also breakdown college planning and how to properly prepare for the upcoming costs. Plus, we give some key insight on student loan payments for those that we in hurricane-affected areas. All of this and more on the #MoneyFactor.

Links:

http://money.cnn.com/2017/09/21/pf/college/public-service-loan-forgiveness/index.html?iid=SF_LN

http://money.cnn.com/2017/05/15/pf/college/public-service-loan-forgiveness-qualify/index.html?iid=EL

https://studentaid.ed.gov/sa/about/announcements/disaster

https://www.facebook.com/The-College-Cafe-347934675566768/

074: Trump Risking the NFL, Uber Losing London, Target Raising Minimum Wage

In episode 74, we welcome Derick Berry of Men and Money (Mr.Berry33@gmail.com) to discuss the financial highlights happening today. We dive deep into the financial risks that are involved with the latest President’s thoughts on select NBA players and the NFL taking a knee during the anthem. We also discuss the financial effects of Uber losing London and the widespread calamity for all parties involved. Plus, Target is raising its minimum wage of employees, which may catch on with other retailers. All of this and more on the #MoneyFactor.

Links:

http://money.cnn.com/2017/09/25/news/companies/trump-nfl-owners-donations/index.html?iid=hp-toplead-dom

http://money.cnn.com/2017/09/23/technology/business/uber-london-crises/index.html?iid=hp-stack-dom

http://money.cnn.com/2017/09/25/news/companies/target-minimum-wage/index.html?iid=hp-stack-dom

073: Equifax Hacked, 4 Financial Power Moves for Singles, Millennials And Money

In episode 73, we welcome back Kiara Peoples (kpeoples1207@yahoo.com) to discuss the gravity of the Equifax hack. We look at ways to confirm if your credit was affected and steps to mitigate fraudulent activity. We also dive deep into 4 financial power moves that we help singles into today’s financial climate. Plus, it’s all about the millennials and money.  All of this and more on the #MoneyFactor.

Links:

http://money.cnn.com/2017/09/15/pf/financial-moves-single/index.html?iid=SF_LN

http://money.cnn.com/2017/09/15/pf/millennials-equifax-breach/index.html?iid=EL

http://money.cnn.com/2017/09/16/technology/equifax-breach-security-hole/index.html?iid=hp-stack-dom

072: The Economic Impacts and Recovery of Hurricane Harvey

In episode 72, we welcome guest host Mike Harris with State Farm Insurance (mike@mikeinsuresyou.com) to discuss the economic impact and recovery process through hurricane Harvey and other natural disasters. We discuss the amount of time and effort required to complete the process of rebuilding your financial house as well as some of the mechanics of the journey. Plus, we give you key strategies to help avoid the future pitfalls from disasters. All of this and more on the #MoneyFactor. 

Links:

https://www.nytimes.com/2017/08/28/business/economy/texas-hurricane-harvey-economic-impact.html?mcubz=1

http://theempowermag.com/feature-story/hurricane-harvey-storm-recovery-process/

 

071: Homeownership as The American Dream, Saving for Down Payment, 1st Time Homebuyer Tips

In episode 71, we welcome guest host Chairidee Smith of Ms. Mogul  (www.chairidee.com) to dive into the realm of finances and home ownership. We discuss the concept of homeownership as the American dream. We also give insight to saving for a down payment for a new home. Plus, we give 7 key tips when becoming a 1st time homebuyer.   All of this and more on the #MoneyFactor.

Links:

http://money.cnn.com/2017/07/24/real_estate/american-dream-homeownership/index.html?category=real_estate

http://money.cnn.com/2017/08/11/real_estate/save-down-payment/index.html?category=real_estate

http://money.cnn.com/2017/06/28/real_estate/first-time-homebuyer-mistakes/index.html?category=real_estate

070: Do You Need a Financial Adviser, Increase Your Cash Flow, Creating Passive Income

In episode 70, we dive deep into topics that affect your pocket book. We start by discussing the pros and cons of a financial adviser. We also give healthy tips on ways to increase your cash flow. Plus, creating a passive income stream may be easier than you think!  All of this and more on the #MoneyFactor. 

Links:

http://money.cnn.com/calculator/pf/cost-of-living/

http://www.huffingtonpost.com/amandah-blackwell/top-8-ways-to-create-passive-income_b_4654371.html

http://time.com/money/collection-post/3706485/improve-cash-flow-personal/

http://money.cnn.com/2017/08/03/pf/financial-adviser/index.html?category=pf

069: The Financial Foundation Series: Intro to Investing Part VI

In episode 69, we give you key concepts surrounding finance and investing as we finish up our financial foundation series. We dive into what APR is, FICO, 401Ks, and other financial products. We also give insight to how diversification can help provide stability and growth to your portfolio. Plus, we give valuable insight on different types of insurance that have a stock market component.  All of this and more on the #MoneyFactor. 

Links:

http://money.cnn.com/2017/07/11/pf/money-terms/index.html?iid=EL

068: The Financial Foundation Series: Intro to Investing Part V

In episode 68, we continue down the road of the fundamentals of investing. We describe the NASDAQ, S&P, as well as other indices. We also dive deep into how mutual funds work and their strengths and weaknesses. Plus, we look at other instruments that allow you to build legacy in the market.    All of this and more on the #MoneyFactor. 
Links: 
http://money.cnn.com/2017/07/28/pf/impact-banking/index.html?iid=SF_LN

067: The Financial Foundation Series: Intro to Investing Part IV

In episode 67, we welcome Angela E Matthews (www.AngelaEMatthews.com) to move into the fundamentals of investing. We  breakdown what an investment club is and how working in a collaborative group can be a benefit to your overall understanding and growth in the market. Plus, we give key definitions and explanations to some of mechanics of making a trade.   All of this and more on the #MoneyFactor. 
Links: 
http://www.investopedia.com/articles/01/062001.asp?lgl=rira-baseline-vertical

066: The Financial Foundation Series: Intro to Investing Part III

In episode 66, we welcome back Ahmad Scott (Ahmad.scott01@gmail.com) to dive deep into the investing portion of our financial series. We look at some of the top emotional reasons that cause people to waste money. We also look at how those emotions can spill over into their investing habits and cause unforeseen financial consequences.  All of this and more on the #MoneyFactor. 
Links: 
http://www.wisebread.com/are-your-emotions-costing-you-money-take-this-quiz