20 Burst results for "Moneymatters"

Why Do Things Seem Scary In The Dark?

But Why: A Podcast for Curious Kids

04:43 min | 1 year ago

Why Do Things Seem Scary In The Dark?

"This is but why a podcast for curious kids from from public radio. I'm the host of the show. Jane lindholm on this podcast. We take your questions about anything really anything and we find interesting. People help offer you some answers. Sometimes your questions are easily answered by someone with just the right knowledge. They are questions with fact based answers like why are some eggs brown and some white or green or blue. We've tackled that question and the answer is really interesting but sometimes your questions don't have precise answers. Sometimes there are many answers or none. Even sometimes we need to find people who can offer you advice or their opinion or maybe just a new perspective. That's the kind of question and topic we're tackling today. A lot of you have been sending us questions about something that makes you scared. My name is scout. i am eight years old. I live in air massachusetts. My question is why do you think seem more scary in the dark even though they are the same things you see when it's light by my name is logan from jericho vermont. I'm five years old and my question is why do people have fear of dark. Hi my name is the nineteen years old. They with celtic can't for me. Why am i the the see what i mean. That's a tricky thing to answer. So we're going to tackle this in two ways today later in the episode. We'll go for a hike in the dark with a wildlife biologist. To get a sense of the things you can learn from going out into the darkness and to answer non-scary questions about how animals see at night but first we thought we'd talk to someone who not only shared the fear of the dark that some of you have when he was a child but who has embraced fear and made writing scary books his job. I am dental hambur. I am best known for books that i write the name. Lemonade stick it specifically the thirteen volumes. A series of unfortunate events. You also wrote a block a really lovely picture book about a fear of the dark. I did yes. I think it's funds right picture books about things we might otherwise be afraid of. So i've written the picture book about words. My most recent picture book is about a swarm of bees and then there is the dark which is about being afraid of the dark. So let's tackle some of the questions that our listeners have for you here and about their own. Existential fear of the dark surly moneymatters. Truman and i live in bethlehem pennsylvania. My name is don need. I live in saint. John's barre vermont ever gopi and on to know why people are scared of the dark wires. Swim people afraid of the dark upgrade up to dr the question that everybody has why. Why are we afraid of the dark and i think the short answer is because the dark terrifying. Oh good thanks for putting us at for most of us are visual senses very important to us and when that visual senses take it away it can be extremely disorienting. And so if we're used to seeing something and measuring our way through the world physically and emotionally with the blessing of site which most of us are lucky enough to have in form or another it being taken away is very terrifying and also it allows the brain wander and then your brain wanders to things that might not otherwise occur to you so if you're walking through your house in the daytime you think to yourself. I wonder if someone has somehow let an alligator in that has underneath the sofa and it's waiting to get to get me you would never think high noon but in the middle of the night. If you wake up you need a glass of water or the opposite. The first thing that will occur to you as i'm wondering what horrible beast has somehow very silently gotten its way into my otherwise harmless home that example sprang to mind awfully quickly. Maybe you have had similar fears yourself. Of course yes. I have a creaky wooden floor. Near where i sleep and when i walk on it in the middle of the night i can assume that the creeks are covering up the talons or the smacking of lips or something else that some terrible creature is Is grateful for the camouflage.

Jane Lindholm Vermont Jericho Logan Massachusetts Gopi Truman Bethlehem Pennsylvania John
"moneymatters" Discussed on WSB-AM

WSB-AM

01:32 min | 3 years ago

"moneymatters" Discussed on WSB-AM

"This is Wess moss from moneymatters WSB, and I love talking about retirement happiness and finances. That's why partnered with knock dot com. Knock is reinvented. The idea of a trade in real estate transactions quick and easy. It home buying and selling can be as simple as trading in your car instead of knocked buying your old home from you. They'll help you sell it for the highest possible price so you can focus on the joys of a long awaited retirement. Is it knocked dot com to trade in your home today? Cayenne know CK dot com. It's a fact. Findlay roofing is Lantis most trusted and recommended roofer. They set the standard for roofing excellence, winning the biggest national award in the roofing industry, but Finlay isn't stopping there only Findlay roofing provides the industry's very best warranty. It's part of their standard roof replacement. Hi, it's Dave Baker, the home fix it show. This is big news in roofing. Findlay roofing is the only company that won't charge you extra for the Owens. Corning platinum authority Finley is including this incredible warranty with every roof replacement the Owens, Corning platinum more Mortiz from Findlay roofing protects you with a lifetime labor warranty, one hundred percent of the cost of fix a leak for twenty five years, and we'll even cover damages your homes and carrier think of everything your roof has been through and will go through in the future, when it comes to your roof, think Finley, I get started with your free roof analysis. No obligation. No charge schedule at roof roof dot com. The. Hessler.

Findlay roofing dot Wess moss WSB Finley Finlay Cayenne Dave Baker Owens Lantis one hundred percent twenty five years
"moneymatters" Discussed on WSB-AM

WSB-AM

01:42 min | 3 years ago

"moneymatters" Discussed on WSB-AM

"From moneymatters in WSB. And I love talking about retirement happiness and finances. That's why I've partnered with knock dot com. Knock is reinvented. The idea of trade in to make real estate transactions wick and easy. So that home buying and selling can be as simple as trading in your car instead of knocked buying your old home from you. They'll help you sell it for the highest possible price so you can focus on the joys of a long awaited retirement. Is it knock dot com to trade in your home today? Let's Cayenne know CK dot com. Three million dollars generated everyday for lottery funded pre k and hope scholarships. The Georgia lottery is proud to say congratulations to all the may graduates. Remember Georgia when you play Georgia students win. And pay 'em offered. And I'm from Aden, Georgia, when you're finding cancer is important to feel like you have tours in that you make your own decisions about your own health. And no. When I was diagnosed with inflammatory breast cancer. I looked at all mountains, and I knew without a doubt that cancer treatment centers of America, right here in was a place for my care is fine. I'm so thankful to the joy, general simply for changing the law that lets patients like me decide for sales, we won't go for cancer care cancer treatment centers of America in Newnan, stands ready to serve Georgia patients, just like Pam with specialized cancer care delivered by our team of experts that will treat you like family. To learn more about cancer treatment centers of America. Visit cancercenter dot com slash Georgia or call eight hundred three three three C T, CA, that's eight hundred three three three CT CA appointments available now..

Georgia inflammatory breast cancer America Cayenne Newnan Aden Pam Three million dollars
"moneymatters" Discussed on 710 WOR

710 WOR

02:01 min | 3 years ago

"moneymatters" Discussed on 710 WOR

"Moneymatters? Gary Goldberg, get fresh delicious food from Wegmans delivered right to your door. And as little as one hour, easy as one two three step one. Go to insecure that wagmans dot com on any device to create your account three slack your items, schedule delivery and check out. Don't forget to include your shoppers club number. Your order is on its way to get. You started. The delivery fee will be waived on your first order wagmans delivered fresh Howard by cart. Visit Wegmans dot com slash inst card to start your order money management for real people. What does it actually mean? But a means is you want your adviser to get to know, you you want them to understand your needs. You want them to stay in touch with you. You want them to share relevant information with you you want it easy for you to get in touch with the adviser. And you want them to return? Your phone calls is this what you're getting now if not getting touch with Gary Goldberg financial services, give us a call at one eight hundred three seven seven five seven five. Seven or Email us at Gary at Eric Goldberg dot com at Gary Goldberg financial services, we provide money management for real people. It is important to all of us that your portfolio get stronger, and you're not simply a number but a valued client. This is why we try to make sure to stay in touch with you about your investments through quarterly, reviews and face to face meetings. We also want to help you keep track of your portfolio, your savings and retirement plans. That's why we are offering to you. Moneymatters listeners the same free financial organizer. We give to our clients. It's a comprehensive record book where you can keep track of all your money. Investments insurance documents and financial contacts or a free financial organizer from Gary Goldberg financial services. Call us at eight hundred three seven seven five seven five seven that's eight hundred three seven seven five seven five seven. This is a no obligation offer at no charge to you. Eight hundred three seven seven five seven five seven for your free financial. Organizer from us. And thank you for listening to money matters..

Gary Goldberg Wegmans Eric Goldberg Howard one hour
"moneymatters" Discussed on NewsRadio KFBK

NewsRadio KFBK

02:10 min | 3 years ago

"moneymatters" Discussed on NewsRadio KFBK

"Moneymatters. I'm Scott Hanson. I'm Pat McClain glad you're with us today as we talk about financial matters both myself, and my co host here we both financial advisers with all worth financial previously, hansonmcclain just change name. Upgrade I might add. And anyway, we come here we meet during the week with people like yourself come here on the weekends to be financial advisers on the air, and although we often prerecord the program, we are still here with you and many of you listen to the podcast, and whether it's on dress trestle raider podcast. Glad you're here with us today. And so if you're long time listener, you've known us for years and years as hansonmcclain, and we rebranded to all work to reflect a more of what we actually do for clients the services, we provide more than just investment advice. It is of financial life planning. But there was a unusual. I was the beneficiary of this name change in an unusual way. Which is. In a number of buildings. It's in big lit letters, neon would say not neon but lit letters say. It would say hansonmcclain. I knew they were taking those down off the building. So I asked them to save my name in lights. What are you doing with those? Because you sent me an Email saying if you ask I wanted to find them like, no, I don't want my. So what I'm going to do with them. And I've been thinking a lot about this. First of all, I wasn't sure what I was going to do with. But then I realized you know, at some point time, I'm going to die, and I am going to have a large crypt mausoleum built for just like the kind of guy that wants a large creek. Mclane with flashing it on the side of it. It'll say McLean. No, actually, I don't know why I actually saved the letters. But I have lots of nephews whose last name McLean and children whose last they've ever McClain. Oh, you you're thinking about others. I think he gifts Christmas gifts at a time. Waiting gives up less years. This out gift is a long. Thank you for sharing that with us, Pat. This is a financial program, and we will talk financial matters and take your phone. Yes. And we have.

Pat McClain McLean Scott Hanson Mclane
"moneymatters" Discussed on 710 WOR

710 WOR

01:32 min | 3 years ago

"moneymatters" Discussed on 710 WOR

"Moneymatters with Gary Goldberg, get fresh delicious food from wagmans delivered right to your door. And as little as one hour, easy as one two three step one. Go to insecure dot wagmans dot com on any device to create your account three slack your items schedule, the livery and check out. Don't forget to include your shoppers club number. Your order is on its way to get. You started. The delivery fee will be laid on your first order Butman delivered fresh powered by cart. Visit Wegmans dot com slash inst cart. Start your order income matters. We all know this. It's not a secret income can come from many sources. We had Gary Goldberg financial services like dividend paying stocks, we prefer high quality dividend paying stocks not for everything in your investment portfolio and not all of the time. But if you're looking for income, especially in retirement, look at companies that have a history of raising their dividends on a regular basis. You can call us at one eight hundred three seven seven five seven five seven to. Quest our brochure on high quality dividend paying stocks and for information about our proprietary dividend BUSTER program, it's comprised of fifteen high quality stocks which have been well researched by our firm. Call us at one eight hundred three seven seven five seven five seven for more on our dividend. Buster program or to set up a no charge, no obligation consultation. With one of our investment professionals. Gary Goldberg financial services money management for real people. One eight hundred three seven seven five seven five seven or visit us online at dot com..

Gary Goldberg wagmans Butman one hour
"moneymatters" Discussed on 77WABC Radio

77WABC Radio

01:31 min | 3 years ago

"moneymatters" Discussed on 77WABC Radio

"Moneymatters? Gary Goldberg, get fresh delicious food from Wegmans delivered right to your door. And as little as one hour, easy as one two three step one. Go to institute dot wagmans dot com on any device to create your account three slack your items, schedule delivery and check out. Don't forget to include your shoppers pub number. Your order is on its way to get. You started the delivery fees will be waived on your first order wagmans delivered fresh powered by institute. Visit Wichmann dot com slash inst cart. Start your order income matters. We all know this. It's not a secret income can come from many sources. We had Gary Goldberg financial services like dividend paying stocks, we prefer high quality dividend paying stocks not for everything in your investment portfolio and not all of the time. But if you're looking for income, especially in retirement, look at companies that have a history of raising their dividends on a regular basis. You can call us at one eight hundred three seven seven five seven five seven. Request our brochure on high quality dividend paying stocks and for information about our proprietary dividend BUSTER program, it's comprised of fifteen high quality stocks which have been well researched by our firm. Call us at one eight hundred three seven seven five seven five seven for more on our dividend Busta program or to set up a no charge, no obligation consultation. With one of our investment professionals. Gary Goldberg financial services money management for real people. One eight hundred three seven seven five seven five seven or visit us online at dot com..

Gary Goldberg Wegmans Busta one hour
"moneymatters" Discussed on 710 WOR

710 WOR

01:43 min | 3 years ago

"moneymatters" Discussed on 710 WOR

"Moneymatters? Gary Goldberg, get fresh delicious food from leg. Lebanon's delivered right to your door. And as little as one hour, easy as one two three step one. Go to insta- cart dot wagmans dot com on any device to create your account three slot. Your items scheduled livery and check out. Don't forget to include your shoppers club number. Your order is on its way to get. You started. The delivery fee will be laid on your first order delivered fresh Howard by visit wagmans dot com slash car to start your order. The team had Gary Goldberg financial services has the wisdom achieved through decades of experience combined with the technology of today. Here's Bill criticized chief investment officer my role as chief investment officer is to provide safe and sound financial advice for our client serious money. Gary Goldberg financial services is special. Because we are an investment boutique that emphasizes quality management and great service. Our clients are always greeted with a smile, and we never forget that our clients are always in charge. Our clients are looking for safe reliable. Investments investments that are a plus investments that provide financial transparency liquidity and provide a reasonable and reliable income stream in retirement. Call Gary Goldberg financial services today at eight hundred three seven seven fifty seven fifty seven that's eight hundred three seven seven five seven five seven money matters. And Gary Goldberg financial services on Twitter at Gary G, financial and at moneymatters at n income matters and can come from various sources, in many cases, we had Gary Goldberg financial services like high quality dividend paying stocks. That's why we established.

Gary Goldberg Gary G chief investment officer Lebanon Twitter Howard one hour
"moneymatters" Discussed on KTAR 92.3FM

KTAR 92.3FM

01:42 min | 3 years ago

"moneymatters" Discussed on KTAR 92.3FM

"Dot net. Moneymatters dot net. All right. We're gonna take a break. And when we come back, we're going to talk about rule number one don't lose money. So stay tuned. This is money matters. And I am Ken moraif. If you're retired or retiring soon, you may be asking yourself do I have enough money to retire? How can I maximize my retirement income? Should I roll over my 4._0._1._K? Is there anything you can do to reduce income tax and more? If these questions are on your mind, it's time to get some answers. Let us show you how to protect and maximize your retirement savings. Learn how the buy hold and sell strategy can help you take advantage of stock market gains while minimizing bear market. Declines get a current analysis of what to do today's market and find out how to grow your retirement portfolio. If you're over fifty and have more than one hundred thousand dollars in investable assets. Lease visit moneymatters dot net. Schedule an appointment. That's moneymatters dot net or call us today at eight hundred nine nine four three zero two eight hundred nine nine four three. Oh, two when you work with money matters. We become your financial watchdog. So you can relax lead. Moneymatters help you reach your path to financial peace of mind. Schedule a complementary meeting with a trusted money matters. Financial advisor today to talk. About your unique questions and concerns. Willing to make you an as is cash off on your house within twenty four hours. This is Doug Hopkins realty executives and Doug Hopkins dot com. I'll buy your house for cash with no fees. No repairs. No banks, and no hassles. Any price any condition any size, and we can close in as little as three days. I don't care if it's a total fixer upper or perfect condition. Just go to Doug Hopkins dot com for your free cash offer and make sure to check out the flipping real estate radio show at its new time. Saturdays at noon right here on KTAR news ninety two point three.

Doug Hopkins Doug Hopkins realty Ken moraif KTAR news advisor one hundred thousand dollars twenty four hours three days
"moneymatters" Discussed on 790 KABC

790 KABC

06:17 min | 3 years ago

"moneymatters" Discussed on 790 KABC

"Clau-. And we are back. This is money matters with Ken moraif. And of course, I am your host Ken moraif. Thank you, Jack. I have been a certified financial planner professional for the last twenty marvelous wonderful and very exciting years. And all of the ideas that we talk about on this show. These are the very same ideas that we talk about with our beloved and most valued clients, and we are a firm that specializes in retirement planning. So therefore, our clients are primarily people who are over fifty who are retired or retiring soon. And if that's you this show is designed for you and financial times named our financial advisory firm moneymatters, one of the top three hundred registered investment advisers for the second time. Yes. It is a while. And you know, what it's very cool financial times is is quite the publication. My mother used to read that when I was a little boy for years and years and years, she never did not read it was a daily newspaper. And so I'm very proud of that my mother would have been proud to. But again without our clients. We would be nowhere. So all you clients. We love you. Thank you so much. We're gonna talk about social security now because that is something that pretty much comes up in almost every conversation. We have with clients and prospects of clients, and so what I do in. This segment is I try to answer some questions on social security. And so if you have questions about it, send me an Email and with your question, I'll I'll endeavour to answer it on the air. So if you wanna do that, it's my Email is Ken at moneymatters dot net can at moneymatters dot net. So I don't know how to say. I think we thank you. Well, you're very, welcome Frankie. So first question you it says, I am sixty four and I'm. Claiming on my own benefit. My spouse is seventy five and has been claiming since he was sixty six so he's been claiming for nine years. Can can you switch to get your spousal benefit instead of your own? So the answer is no, okay. So once you filed on your own benefit, all you can do is add a spousal benefit to that. Okay. So you can't actually switch. So if your social security benefit is less than half of your husband's then you can add the difference as you're spousal benefit. Okay. So it would be it would be added to yours. So that's how you do it. All right next question. So this is a married couple. The husband here is sixty three the wife is currently sixty and says we would like to know if the following is possible, let's say husband files for social security at sixty six can wive claim spousal benefits on his record when she turns sixty six and then take her own benefits when she seventy so at the question, they're asking here is can I can I take on? My husband. Okay. I'll take on his half of his. And then when I turned seventy switched to mind does this work. And the reason I ask is because he's over sixty two and and she is under sixty two. And so there's a deadline about something with two thousand fifteen. So the answer is no it won't work. You're right. And the reason it will work is because when the wife in this example is able to file her application to get the benefits to do that. She will not have turned sixty two by the end of two thousand fifteen. Okay. So the strategy of the restricted application where you file and get on your spouse. And then later on you convert to your own that is only something that people who turned sixty two prior to the end of two thousand fifteen can do. All right. So in this case when she files at sixty six you'll be paid her own benefit or spousal benefit whichever is higher, but she cannot build delayed credits unless you delays her benefits until she's seventy now the thing I want to make sure that you. Understand. I tried to answer these questions, you know, as easily to understand as possible. But probably what I just said made no sense of some of you listening, and that's my point social security is very complicated. If you go to social security website, you'll see that there's there's there's like nine thousand one hundred ways to file for social security. Okay. And and not every one of those nine thousand one hundred ways are yours. So if you pick the wrong one, if you do it the wrong way, there's all kinds of things that can happen there that that I think you may leave money on the table. You may not get the total benefit that you should or that. You're that. You're that you could if you did it the right way. Baby. Yeah. So what I would recommend to you very strongly is that before you file for social security talk to a professional who understands it and can walk through the different permutations, the different inputs because your age the different the disparity in your incomes your health. There's a lot of things that go into your sources other sources of money your tax bracket. There are lots of things that play into when is the right time. And how do you take social security so talk to a professional about that? And here's my offer to you. If you go to our website, it's money matters dot net money matters dot net. And you'll see a link there would says meet with an adviser. Okay. If you click on that we'll schedule a time for you to meet with one of our retirement planners, and what we'll do is. We'll go through. We'll talk about social security, but that's not the only thing we wanna do. Okay. Because we want to talk with you about your entire your retirement plan. We want to talk about sources of income your income taxes. We want to talk about your 4._0._1._K are are you diversified the way? That your risk profile would would ask for where are you going to get income when you retire? Do you have enough money to retire? We want to work through all of those questions with you. And we'll do it at no charge or obligation. Okay. And if if we can help you fantastic, we're so happy, and if we cannot will tell you that to either way there is no tar does no obligation, and we will part fronts. The beginning of a beautiful friendship, and you know, what bogey is right. So take advantage of it. It's our website is money matters dot net. Moneymatters dot net. All right. We're gonna take a break. And when we come back. We're gonna talk about rule number one don't lose money. So stay tuned. This is money matters..

Ken moraif moneymatters Jack Clau-. nine years
"moneymatters" Discussed on KTRH

KTRH

05:17 min | 3 years ago

"moneymatters" Discussed on KTRH

"Back. This is money matters with Ken moraif. And of course, I am your host Ken moraif. Doc. I have been a certified financial planner professional for the last twenty marvelous wonderful and very exciting years, and all of the ideas that we talk about on this show. These are the same ideas that we talk about with our beloved and most valued clients, and since we are affirmed at specializes in retirement planning, our clients are mostly people who are over fifty who are retired or retiring soon and financial times named our financial advisory firm moneymatters, one of the top three hundred registered investment advisers for the second time, actually. Yeah. That was quite an honor. I have to say, and of course, without our clients. We would be absolutely nowhere. So I give that to our clients in its entirety. Ooh. A kiss. I like it. All right. So speaking of giving wonderful gifts to somebody that you love. Let's talk about our beloved spouses, and let's talk about social security for spouses. So if you have a question with regard to social security, and you know, I'll endeavor to answer it on the air. So if you wanna Email me Email addresses can at moneymatters dot net can at moneymatters dot net. So here's the question. I am fifty eight my wife is currently sixty three and she turned sixty two before the end of two thousand fifteen now that's important because there are strategies that are no longer available. If you were not sixty two before the end of two thousand fifteen they changed the loss. All right. So to repeat I am fifty eight wife is sixty three. She turns sixty two before two thousand fifteen. All right. So we are both high earners. Congratulations. Our old strategy was as follows wife would file and suspend at sixty nine allowing me to claim spousal benefits based on her record at age sixty six. All right. So she would file against him and suspend her benefits she would take against his and then wait till she seventy to start collecting and he start collecting at sixty six. All right. So we both then would claim are maximized earnings benefits at age seventy so based on the set of facts and the changes to the laws and claiming rules. What is our best approach? Now. Well, unfortunately, you will fall under the new rules. So even though why is old enough? She will not be able to file on your application for her spousal benefit when she turned sixty six because you will not have filed your benefit. Okay. Now, you could file early. But generally, that's not a good idea. So your circumstances may say it's okay to do that. But you could file early which case she could. But barring that it's best that you don't. Okay. So maximizing benefits for any couple that falls under the new rules new law. All right. We'll mostly be a matter of delaying their benefits because they'll not be able to use allies utilize spousal benefits. So the only exception. Under the new law is when the lower earnings spouse's benefit is less than fifty percent of the higher earning spouse. Okay. So without knowing what you guys are earning. I can't answer your question on that. So when you say me questions, I ask you to do, please. Give me your earnings give me more information. So I can be more specific in my answer. Now, the key thing that you have to know there is that there are according to the social security website. This is actually funny because I used to say there are over eight thousand ways to file social security in lizard emailed, me and said, that's BS. There's no eight thousand different ways. So then I went I went on the social security website and social security themselves said, oh, yeah. Well, there's nine thousand one hundred ways. So there's there were only eight thousand silly me. So. Yeah. Gomer the I really admire our government. They have a propensity for creating complexity that is like unbelievable. They should win the Academy Award of complexity, but anyway, there are nine thousand one hundred different ways to file for social security, depending on your age, depending on your income does so many variables and your which one of those nine thousand one hundred is yours. I don't know without having your information. So and if you pick the wrong one nine thousand nine nine thousand ninety and set of nine thousand nine hundred ninety two then you pick the wrong one you could leave hundreds if not thousands of dollars on the table and over your lifetime. It could be tens of thousands. So you need to pick the right one. How do you do that? You gotta talk to somebody that understands stuff in my opinion. All right. So here's what you do go to our website. It's money matters dot net money matters dot net and click on meet with an adviser. And when you do that, we'll schedule a time to visit now I just want to preface this by saying our goal is not to just talk about social secure-. With you. Okay. Well, we wanna do is look at your entire financial plan. We wanna look at. Yes. So security, your 4._0._1._K, your income taxes, your state planning we wanna to look at your sources of income your expenses. We want to build a cash flow plan for you. We want to just give you a just an overall big picture game plan for your retirement. And we want to do that at no charge or obligation. And if we can help you that's fantastic. And if we cannot we're going to tell you that too like, I said either way no charge, no obligation, and we will park fronts. Beginning of friendship..

Ken moraif moneymatters Academy Award Gomer fifty percent
"moneymatters" Discussed on KTAR 92.3FM

KTAR 92.3FM

01:56 min | 3 years ago

"moneymatters" Discussed on KTAR 92.3FM

"To be a millionaire. Have flashy flunkies everywhere. Wants the father of a country estate upcountry wants to wallow in champagne wallowing in champagne, and we are back. This is money matters with Ken moraif. And of course, I am your host Ken moraif. Begging. I've been a certified financial planner professional for the last twenty marvelous wonderful and very exciting years. And all of the ideas that we talk about on this show. These are the very same ideas. We talk about with our beloved and most valued clients, and since we are a firm that specializes in retirement planning, our clients are primarily people over fifty who are retired or retiring soon. And if that's you we would love to meet with you. We'd love to have you go to our website. It's moneymatters dot net. And we have a lot of information on there that I think you'll find a benefit and in two thousand fifteen Forbes named our financial advisory firm moneymatters, one of the top one hundred wealth managers, and we are so proud of that designation doing better. And beyond. Yes. Buzz to 0 and beyond. But you know, what? Without our clients. We would be nowhere. So all you clients listening right now, we love you. We thank you. We are. So honored, we are privileged to serve you. And like I said, if you're not a client, we'd love to meet with you my address Harvey. Our website, addresses money matters dot net. All right. This is the part of the show where we talk about how to pass onto your, greedy. Unwashed undeserving airs the fruits of your labor. And so this week we are a state tip is on the power of attorney documents. And I think that probably everyone listening to this show will needs to have these documents. Okay. So we'll go over those. But before we do that, Jack. Can you play it? I know I'd.

Ken moraif Harvey moneymatters Forbes Jack attorney
"moneymatters" Discussed on 710 WOR

710 WOR

01:31 min | 3 years ago

"moneymatters" Discussed on 710 WOR

"Moneymatters? Gary Goldberg, get fresh delicious food from Ben's delivered right to your door. And as little as one hour, easy as one two three step one go to insert that wagmans dot com on any device to create your account, three slash your items scheduled delivery and check out. Don't forget to include your shoppers puff number. Your order is on its way to get. You started. The delivery fee will be waived on your first order delivered fresh powered by institute. Visit Wegmans dot com slash institute to start your order at Gary Gobert financial services, we provide money management for real people. It is important to all of us that your portfolio get stronger, and you're not simply a number but a valued client. This is why we try to make sure to stay in touch with you about your investments through quarterly, reviews and face to face meetings. We also want to help you keep track of your portfolio, your savings and retirement plans. That's why we are offering to you. Moneymatters listeners. The same free financial organizer. We give to our clients. It's a comprehensive record book where you can keep track of all your money. Investments insurance documents and financial contacts or a free financial organizer from Gary Goldberg financial services. Call us at eight hundred three seven seven five seven five seven that's eight hundred three seven seven five seven five seven. This is a no obligation offer at no charge to you. Eight hundred three seven seven five seven five seven for your free financial organizer from us. And thank you for listening to money.

Gary Goldberg Gary Gobert Ben one hour
"moneymatters" Discussed on 790 KABC

790 KABC

02:42 min | 3 years ago

"moneymatters" Discussed on 790 KABC

"Yard guy. What's not? Dan. And we are back. This is money matters with Ken moraif. And of course, I am your host Ken moraif. Thank you, Jack. I have been a certified financial planner professional for the last twenty marvelous wonderful and very exciting years. And all of the ideas that we talk about on this show. These are the same ideas, we talk about with our beloved and most valued clients, and we work primarily with people who are over fifty who are retired or retiring soon. So we we specialize in retirement planning and financial times named our financial advisory firm moneymatters, one of the top three hundred registered investment advisers. And actually, it's the second time that they've done that. So we are very very proud of that we're thankful and of course, without our clients. We would be nowhere. So all you clients listing. Thank you. Thank you. Thank you. This is the part of the show. This segment is where we talk about social security. And so what we want to talk about. With you are. What I've done is. I've opened it up and asked you to send your questions, and you guys have been terrific. I've been getting e mails from you. So my Email addresses, Ken at moneymatters dot net can at moneymatters dot net, and send me your questions L endeavored to answer them on the show. And so we're we're on a series right now we're talking about spousal benefits. So here's a question that I got right. So I am sixty five and I'm on social security disability. My wife is sixty three and has not claimed if my wife draws her benefit when I reached the age of sixty six would I have the latitude to switch to a spousal benefit at that time. Okay. So what are you saying is is he's on disability? His wife is is sixty three when he reaches sixty six she starts collecting can then switch to getting half of her benefit. Okay. And that's called a restricted application. So and this is why ladies and gentleman. You know, we used to say that there are. Are eight thousand different ways you can collect social security, and we had somebody who listener Email us like, oh, that's BS. There's not eight thousand so we looked it up on the social security website. It says there are nine thousand four hundred. So you're right. It was Bs. It's not eight thousand is nine thousand four hundred. But anyway, the answer this question is..

Ken moraif moneymatters Dan Jack L
"moneymatters" Discussed on 790 KABC

790 KABC

02:42 min | 3 years ago

"moneymatters" Discussed on 790 KABC

"Net. He yard guy. Go. Dan. And we are back. This is money matters with Ken moraif. And of course, I am your host Ken moraif. Thank you, Jack. I have been a certified financial planner professional for the last twenty marvelous wonderful and very exciting years. And all of the ideas that we talk about on this show. These are the same ideas, we talk about with our beloved and most valued clients, and we work primarily with people who are over fifty who are retired or retiring soon. So we we specialize in retirement planning and financial times named our financial advisory firm moneymatters, one of the top three hundred registered investment advisers. And actually, it's the second time that they've done that. So we are very very proud of that we're thankful and of course, without our clients. We would be nowhere. So all you clients listing. Thank you. Thank you. Thank you. This is the part of the show. This segment is where we talk about social security. And so what we want to talk about. With you are. What I've done is. I've opened it up and asked you to send your questions, and you guys have been terrific. I've been getting emails from you. So my Email address is Ken at moneymatters dot net. Ken at moneymatters dot net, and send me your questions L endeavored to answer them on the show. And so we're we're on a series right now we're talking about spousal benefits. So here's a question that I got right. So I am sixty five and I'm on social security disability. My wife is sixty three and has not claimed if my wife draws her benefit when I reached the age of sixty six would I have the latitude to switch to a spousal benefit at that time. Okay. So what are you saying is he's on disability? His wife is is sixty three when he reaches sixty six if she starts collecting can he then switch to getting half of her benefit. Okay. And that's called the restricted application. So and this is why ladies and gentleman. You know, we used to say that there. Are eight thousand different ways you can collect social security, and we had somebody who listener Email us like, oh, that's BS. There's not eight thousand so we looked it up on the social security website. It says there are nine thousand four hundred. So you're right. It was Bs eight thousand nine thousand four hundred. But anyway, the answer this question is..

Ken moraif moneymatters Ken Dan Jack L
"moneymatters" Discussed on 710 WOR

710 WOR

01:33 min | 3 years ago

"moneymatters" Discussed on 710 WOR

"Portfolio. Moneymatters with Gary Goldberg, get fresh delicious food from Ben's delivered right to your door. And as. Little as one hour, easy as one two three step one, go to insert dot wagmans dot com on any device to create your account. Three slots, your items scheduled delivery and check out. Don't forget to include your shoppers pump number. Your order is on its way to get. You started. The delivery fee will be waived on your first order Wiedeman delivered fresh powered by visit wagmans dot com slash institute to start your order investment. Plans are not one size fits all. The fact is your needs might be different from those of your neighbors and friends are you looking to invest for long term value. Do you need more income? What do you want to lead to your heirs at Gary Goldberg financial services? We offer a variety of plans for your portfolio, including our proprietary BUSTER programs. Our revenue BUSTER program focuses on twenty high quality growth stocks we expect to outpace the market our dividend. Buster program features fifteen high quality high dividend paying stocks to provide income. Our BUSTER blend combines the best of our revenue and dividend busters. We also offer our small-cap BUSTER. Each of our BUSTER programs are maintained bar five men investment committee who have over one hundred forty years of combined experience. Call us at Gary Goldberg financial services for a free consultation about what investment plan is best for you. Eight hundred three seven seven five seven five seven Gary Goldberg financial services money management for real people. Eight hundred three seven seven five seven five seven or visit our website at G G F S dot com..

Gary Goldberg Ben Wiedeman one hundred forty years one hour
"moneymatters" Discussed on KTAR 92.3FM

KTAR 92.3FM

01:32 min | 3 years ago

"moneymatters" Discussed on KTAR 92.3FM

"Chandler or visit online at moneymatters dot net. The supreme court will likely have the final say, but a federal judge in New York City blocked, the Trump administration from putting a citizenship question on the twenty two thousand census declaring the administration ram route of the question through to intentionally undercount immigrants in spite of this ruling, there's a glimmer of hope for the president the court said adding a citizenship question to the census form isn't unconstitutional. Instead, it found Trump's commerce secretary didn't follow proper procedures before such a question could be an ABC news legal analyst, Royal Oakes. It's day twenty six of the partial government shutdown heading into it White House. Economist doubled their estimate of how much economic growth the US is losing each week to the shutdown. The Internal Revenue Service is recalling forty six thousand furloughed workers at no pay to handle tax return refund processing in London. A no confidence vote is set for today in parliament on Tuesday. Lawmakers resoundingly rejected Prime Minister Theresa May's plan for getting Britain out of the European Union. Richard cantu. ABC news, all I know. I did absolutely nothing. I just knocked the first item off our New Year's resolutions listed Kasich LDC in all I did was called certapro painters and get out of the way go with the pros at sorta pro painters. It's so easy. It's so worth it. I mean, you talk about before. And after it's like coming home to a new house with how buying a new house. We had interior done. My wife liked it so much. We had the exterior done. It is amazing. How the house you want is just a paintbrush away, which is a phone call away to certapro painters..

New York City White House certapro ABC Trump Internal Revenue Service Chandler Richard cantu Theresa May US Royal Oakes president Prime Minister Kasich European Union London
"moneymatters" Discussed on Dentist Money

Dentist Money

03:30 min | 3 years ago

"moneymatters" Discussed on Dentist Money

"Here's my favorite one on listen moneymatters. I just it's my it was the fifth thing on Google thirty one passive income ideas to get you off the hamster wheel in two thousand eighteen hamsters. Everyone hates hamster the rat race the hamster wheel you idiot. Stuck in the rat race had hamsters and rats as pets as a child, and I think their animals goodness. All right, shadow Toronto. You're not in the rat race. If you're working you have a job. And you're like dentists happy if you're happy and you're making eight times, the our JR. Wage of an American you're not in the rat race. And you don't need to be distracted by taking your discretionary money and pursuing lower returning investments that somehow fit the passive income, Bah, get that wheel K. I do I still own a commercial building. And I about to an very difficult situation right now wanting to buy a cabin and renting it out on VR be oh, I'm not saying these are bad things to do. You just have to make sure the optimal return for your capital. Real estate could be if you're buying it at a certain price point in a market was officiency having great deal rents are higher than normal. Hold it for a long time for a long period of time, and you put the work into it. And you just repairs and you show up, and you learn about real estate turns out all this stuff. Just ends up looking like hard work internally. During the lot of this ends up being. Okay. So work hard, and I'm only getting seven percent, and I'm actually having to do stuff. So if you want to specialize in that go do it because real estate is one of the best investments in the world. It's one of the best. It's not the highest returning investment, though. And it's not the least effort, okay, and some people shouldn't change their career path completely, you know, or feel like they're not doing good job. Just because they choose to pick a higher returning investment that is actually the most passive the most passive income investment. I know is the stock market or the bond market or liquid public securities. Those are the most passive thing. I know like you can outsource -able. They require none of your time. You don't have to lift a finger now and they're much less expensive than property managers and much less expensive than operating expenses and liability from. What today's a two and a half snowfall caving the roof in the cabinet. I wanna get. I mean, they're in my mind real estate is more of a love investment. And that's why people I mean, it's like a child like you will embrace your property in a way that you would not do with an abrasive property anyway. Okay. Thank you for listening. Let's just give a couple invitations here. Again, all these came from our Facebook group. It's wonderful. It's exciting Reese promise, you'll find the meaning of life in it earlier in the end the a little bit of yuletide for the season and some yuletide for the season. The group is dentist advisors dot com slash group. Poster questions post poll say something post a picture what you did on the weekend. John traversable be posted contra pella's that you don't agree with our. Yes. Overly pessimistic view of what a smiley massive income from Robert kiyosaki. Yeah. With a smile emoji. So we know you're not mean. Yeah. Like that gets scared down a little bit. We may delete you

Toronto Google Facebook Robert kiyosaki John traversable Reese seven percent
Plan your financial future, with total confidence. The Hardworking Woman’s Guide to Money provides all the information you need

The Nice Guys on Business Podcast

00:54 sec | 4 years ago

Plan your financial future, with total confidence. The Hardworking Woman’s Guide to Money provides all the information you need

"Is strict on bonner i am the other half of the nice guys on business and today i'm taking over the interview duties for mr doug sandler because we have got a very very special guest some people would positively call her a doubting thomas because her strict protection of women's purchasing power rights you know she's an avid biker runner swimmer and she's absolutely someone who wanted her side when it comes to protecting your financial future k t thomas is our guest today she's financial planner for twenty five years of experience cheese also the author of hard working woman's guide to money hand podcast her as host of kt's money matters i don't know how she does all she is smart sassy and crate at debunk myths that will able her clients to save thousands of dollars a year k t welcome to the nice guys on business hicklin thanks for having me you are so welcome so we have been producing your podcast for couple of months now and it is so much fun and it is so much great information and that's what i really love about it is that it's really not just about saving money for women but just great financial information all the way around that is katie's money matters but we wanna talk a little bit about your book hard working woman's guide to money so what is it that was the catalyst to make you wanna raise centigrade question i've actually always wanted to write consumer finance books i feel like there's such a void there either really talking down to you or it's full of jargon that people can't really understand and so it's been sort of like my pet peeve that money books just don't seem to actually talk to people and so what i sat down and said you know what kind of money book do i wanna right i obviously being a woman i thought wouldn't it be great write a book for women there's lots of reasons why women need to be a little bit more careful about the decisions they make because they have a little less room for mistakes i love i love your book it's kind of a mix of storytelling so you told a lot of personal stories on also financial ideas in guidelines and then you also put in quick tips as well so what made you want to mix the quick tips in with kind of the bigger picture idea well i really wanted the book to feel like you know what if you were sitting on the couch for your best friend who knew you and knew everything about money and then helped you think about it and so the storytelling is a way to bring those ideas home to resonate with women you know how do you think about setting guidelines and whether or not you're going to lend money to family members whether or not you're going to take advantage of your benefits or would you change a job for better benefits for all of those pieces but then i also wanted something that was a resource guide oh well maybe i'm not gonna buy a house right now but when i go to buy a house seizes things you need to know when i go to apply for mortgage this is the thing you need to know when i changed jobs these the kind of benefits i want to look for this is what i wanna make sure might not be right now but i wanted that book to have sort of a life beyond just a storytelling that became a resource book for number of financial topics that might become an along such a great idea and kate to you know you have been a finnish planner for twenty five years what i wanna things i love about the book is it doesn't just talk about the big picture stuff like stocks and bonds and investing as you just mentioned you talk about lending money to families right like inside the family it can be really uncomfortable and very personal and i think that's one of the little things that people don't talk about that often in book so you really personalize it which i love and singer personalizing have to ask about the red hand yes so i put a big red handbag with v dollar bills on my cover and it represents a couple of things i it represents just how easy it is for money to come out of your bag because life is expensive and we all know that anybody living in america knows how easy it is for money to just go by and then the red handbag represents the pay equity for women against their counterparts in the working society that might be men and so we know today that women are today making about eighty three percent of what men making the same jobs throughout america and i tell a story in the book about how it used to be seventy percent you know i can remember when i think it was nineteen talk about it in the book was it was early nineteen ninety s at gone to dc with the business and professional women's association and it was an election year it was ill clinton versus bob dole and so bob dole comes in first and the woman who's running the interview handsome red bag and he says well this is terrific elizabeth a love this and then bill clinton comes in and she hands him the red bag and he says says let's turn this purse black so the red handbag represents the deficit of what women make compared to men i love it what a great metaphor for that and i love to hear also that the gap is closing obviously we still have work to do but i'm very glad to hear that you know i know you love doing the extra research i had no idea with with numbers were but it sounds like it's getting better since the nineties but we've still got room to improve and it you know it's funny because right now in college there are more girls in college than boys interesting are we starting to see what looks like a multiyear flip where alternately that might go the other way i don't know i mean i think women are still bearing the children i'm in no surprise to anybody and that means that they'll be years out of the workforce or at least months out of the workforce and people's priorities change you know i think that you know when i was growing up i had went to work my mother stayed home and took care of the four of us and then when last one went to school my mom started working parttime but really if anything needed to be done if anything went wrong my mother was on duty and i think as a result of course my mother made a lot less money than my dad over her lifetime and the reality is now what we know because all you have to do is look around day early bird special the women are all still alive and the men are all got so what's happened is women are left with a much longer life expectancy about seven years right now and significantly less income because they didn't have that time to work and i think that you know women coming long today understand that that's the truth it's not like you're gonna decide never to have children just so you can make as much money but you need to be cognizant of that impact on your finances and decide how you're going to address it is a very interesting perspective in one of the things i'm sure most people do not even think about that women are going to be living longer than men and it's gonna make it that much harder without that income if there is the income deficit still in kitschy i also love you know your books called the hardworking skycam money but there's so much in here that is good for men as well i don't want all of our male listeners to just tune out like this isn't for me but there's just crate overall advice for pretty much everybody i mean there are definitely certain things that are specific to women but there's a lot of great stuff for everybody i also if you don't mind to a little bit personal i know in two thousand eight you suffer a stroke and how did that change the way you thought about what you do with your time and your money because again to get a little more personal i know for million personally that you are an avid runner avid biker didn't you do was it an iron man and i'm actually doing another one this summer so i am a committed a weekend warrior if you will more than a weekend warrior i guess i'm a committed amateur athlete get to can you tell us a little bit about that because i got to tell you the things that i have heard that you do yeah yeah i couldn't even imagine and you know it's it's just amazing when i think about people that do you know iron manson try an iron man it it's an enormous commitment of time and energy you have to really want to do it but i am a bit runner most of my life not you know not a band tastic runner not leauge it runner just a runner and people would say to me she's you know you run a lot and i'm like yeah it's like running away you know i put on my ipod or that's not anymore but now by put on my my music whatever it was it used to be like that radio with a little tuning on the side and i run away and it's like i leave my life and all my responsibilities behind it i go for a rut and that's really how i became a runner was his idea of just a little bit of time just for me and then i got older and i started you know breaking myself a little bit with running anybody that's ever been a lifetime brunner knows that lifetime running brings a long running injuries i've done seven boston marathons i'm sorry eight boston marathon seven of them in a row and so i'm a committed runner and then you know once i got to be about forty my body start saying to me really couldn't do anything else and i bought a road bike mostly because i was suffering from a running injury and couldn't run and then i got sucked into this group that was training for a triathlon as they say the rest is history and i transitioned over to triathlon mostly because i train as hard as i wanted because you are always doing something different it wasn't like that overused running injury that kept coming back because it was running all the time so an iron man just for you know for dreaming purposes is a two point four mile swim a hundred and twelve mile bike ride and a full marathon so twenty six point two miles and my girlfriend kiki said to me when i told her i was doing this she goes it's not like you have to do it all in one day right and i go actually that actually is the point that you brought back to back that you do it all in one day and you complete one hundred and forty miles plus and quite an accomplishment so it's an amazing thing to train for i really liked to do things that are compelling and difficult and have a lot of moving parts and you have to figure it out that's what a plays to my dna that's kinda like what i like a puzzle solver and so this is like one more way for me to do that at my personal life and so going back to your question you know in two thousand and eight i dissect it an artery in my neck during a half ironman swim and i didn't actually know that and i came out of the water and i didn't feel quite right and i remember reading in a book this is my first half ironman that sometimes you get a little unsteady on your feet coming out of the water because of the whole buoyancy thing in the wetsuit so i basically decide it must be that and i jump on my bike and i ride away and about fifteen miles into the ride is the heat in the hills and the whole thing you know the effort of the race comes along i have what i can only say is like a wave of pain that comes over my head that's you know like they say the worst pain of your life and i remember thinking my bike shook a little bit and then it straightened out and i'm like trying to triage myself you know heatstroke migraine holy crap what was that like that and then i just started better drink more said i start riding and i start trying to sip a little fluid and he writing i think i'm doing okay but later when i saw the results the reality is i had been slowing down on the bike i didn't even know 'cause i wasn't really become after you damage brain you don't give it enough oxygen what happens is you become less and less able to see what's really going on your perception of what's happening little hazy and so i can remember coming down the side of this mountain and passing people on my bike so must been going like incredibly fast saying oh good picking off a few of these people like picket fences this is good at making up some time now i'm actually pretty conservative on the bike i think lift ride another day that's not you know picking them off going downhill is not really something i think about but i get back to the transitionary and i feel awful so i take three advil and a goo which is just like racing food and i put my sneakers on and i ran away and it's now it's hot not it's eighty something degrees didn't new hampshire it's in the summer and i start the the death march of the thirteen point one miles which really by the way lots of people are walking and running the people don't look great it's late tot people are tired and i remember running along thinking i should quit i had never felt that that in my life and i said i looked around and they all looked terrible to me and i said suck it up kt nobody's having a good day today just keep going and so seven miles into the run i actually collapsed my legs finally figured out my brain didn't know what it was doing and it better just take me out or i was going to you know literally kill myself and i had suffered three strokes one that day on the race course and then they say to shortly after that i believe actually had them in the hospital where i had my first like real epiphany about life which is you could die and people would be sad but they would move on all except for like you know you and i had been kinda burning the candle at both ends in every area of my life because that's sort of my dna anyway and not not allowing time for me in that big caregiver thing where you're taking care of everybody else and you think you have all of this expansion of of energy that you can do and then what i realized is i somewhere in there i was actually not getting what i needed and my hadn't even stopped thinking about that till i was laying in the hospital ruben what i realized is things needed to change and so change they did right away and that is part of the drive of the book is the idea of you know choosing what you want and not not worrying about what you didn't really want anyway so financially people do this to themselves all the time they need to make more and more money because they need more and more stuff that they perceive they actually need one or someone else has it and they think they should have it where they should be doing this in it's like a gerbil thing and so i decided right away that if i were going to first of all if i was going to stay in business that it needed to change right away because i was really like the everything to everyone for three hundred eighty families in a very small practice by myself with a couple of staff people and it was you know is unsustainable so i you know i hired some people and i brought in another adviser and i grew a couple more and i spent more of my revenue taking care of hiring the right people to buy myself time and that's how i think about it i think about every time that i bring somebody into the firm to help me do some piece of the firm i think about it as i am buying freedom with that money i'm using it to get work done by somebody else other than me so that i can you know stay married have a good life run by consume to my heart's content and actually sleep at nine it's pretty well you know we do fall into this hey this is my goal this is my target because sometimes it's what we've always been told it's what society tells us or because it's what we've always told ourselves and kitschy you're right sometimes we don't stop to think wait a minute is this really what i wanted it says tells like you know you had a successful business and you were growing it and it was making a lot of money but you didn't realize that just growth wasn't what you want it you wanted growth with your freedom to be able to let somebody else take over the rain sometimes so it wasn't all about you right i mean i think that if you're you know the the quote the hardworking woman but if you're a hardworking person and there's you know there are certain types that are just if there's not a job off i'll find something i can work you know i'm kind of like that kind of person and we really can work ourselves to death and so i always say like the biggest raw deal is dying at the desk you know you work your whole life you save your money you do this you do that you pay your mortgage do all these things and get into first year of retirement or you maybe don't even get into retirement and then you're gone so nobody knows the day or the time and so one of the things i've just decided is that you know dying with the biggest balancesheet is not winning because actually you're still dead and and and money is a means to the end it's not the end and so i always say to people money's valuable as you use it to get what you need and want and take care of the people that you care about period that's all it is what does the ancient chinese saying that was young man young men do everything they can to attain wealth old men spend all of their wealth to try to buy back their health that's right and you can't you can't do it yeah so one of the things that talks about a lot he's been doing meditation for many years and i do yoga every morning and i really trying to get into meditation just haven't been able to it sounds like at with you that your running and you're ironman training it's it's probably i'm guessing a form of meditation for you or you can kind of go to another place right you hit the girl that i swam with today we'll tell you that sometimes i'm just like swimming along and i'm like thinking about rolling something around in my mind or i'm just letting myself be where i am right at that moment and it's very very it clearing right it takes kind of all the noise way i have to believe it helps you physically and mentally i mean it probably not against us all the time that it helps him with the day to day it's not just the for him the ten minutes about tation or for you the time that you're actually out there running i'm sure that during the day in your regular day today it can help train and calm your mind as our absolutely love love that one of the things that you talk about in the book small steps can empower you to put yourself in a better position financially i find this a so true not just financially but with life as well it's just every little thing that you do a little bit different can make a huge difference how do you see it what are what are some of the small steps that you feel are really important to help financially big pitch you know so i think that people make financial decisions the brain works in such a way that you make each to eat each decision independently and you don't really like stack them so if i make this decision than that means i should change this people don't think like that they think one decision at a time and so what i try to say is you want to slow down a little bit and allow yourself because really what it is it's five seconds or it's two minutes it's it's just allowing yourself enough time to reflect on it before he pulled the trigger so like as an example there's a reason why they have president's day day weekend to sell cars not by the way because the cars are cheaper okay because they've convinced people's at this is when you should buy a car and they've convinced the sales people that if you don't fight right then you're never going to buy it and so the sales people are pushing you to make a decision right now about a car you may or may not actually want and you might get so caught up in the process to buy something you don't want and if you think that that's crazy i could tell you how much buyer's remorse there is number one buyer's remorse item is cars how sure six months later they're paying for it and they've lost all the reasons why they thought they were going to buy it and they settle in and they keep it because you know you getting rid of it is not really a good process right is basically you're gonna get host on the price you keep the car anyway but the amount of regret in the purchase of an automobile it's like okay slowdown how do you do that will i is you know if you decide that you're actually not buying that day and you know like especially if you you and your spouse or when you guys basically commit went not by today no matter what the other thing you can do is go looking at cars without the car you're planning on trading in because then they actually can't complete the sale until you bring your car in they look at it right it's really passive it's not really you know it's not an aggressive thing you're not going in there saying no way forget it i'm not doing this with you what you're really doing is you're making it impossible for them to close the sale that day and that's okay you're going to go in and drive a couple of cars you're gonna find out a little bit about what those cars cost then you said you know can i come back and talk to you about my trade and it breaks the sale into two days that's all you really wanna do is just give yourself a little bit of time overnight twenty four hours make sure that that's actually what you really want to and you can literally save thousands of dollars in fact you know there's there's this great little mathematical calculation about if you buy a car every three years versus if you buy a car every four years you save about ten thousand dollars over the course of a decade ev for the people who buy a car every four years for every three years wow okay so if you're going to work for thirty years that's thirty thousand dollars it's not a little bit of money it's the next car right right the next car that's an exactly i love that advice you know you're you're in it is in a very passive way but you're making it impossible for them to close the deal and that changes their attitude which is a good thing because none of us want the high pressure sales of car salesman you know and so that it takes that edged off like they're probably gonna back off a little bit because they know you don't have the car that you're trying to tame hey when you don't have it you can complete the deal i love that soc marts okay t tell us about kt's moneymatters podcast you have been doing it for quite a few months now you've had some amazing guests i'm very curious how you're liking it and what you feel like what what are you getting out of it so i am enjoying podcasting you know i had spent some time doing live colin talk radio in boston for few years and i had really enjoyed that because it was just you know people call up and ask you these outrageous questions and it would be like stumped the adviser and you'd be on the radio honey answering i actually really enjoyed that but the you know today people don't listen to that kind of radio at least not new england so podcasting is like you know it's the circa two thousand eighteen version of talk radio where people get to pick only what they want to listen to and listen to it whenever they want however they want it's lovely like lovely so i went right at it i thought i would love this i would love to do a money show so although i have these great guests may talk about these variety of things i always try to take it back to you know why do you care you know we tend to have a lot of guests who have started their own business i find that a lot of people are very curious about what they would need to do to start their own business you know i've had bankers on talking about what you need to know about mortgages or banking products or things like that but just basically the idea that you get you know bite size financial education so you know drive time financial information where you can learn one thing and then you know go back to your life club that a love and yvette definitely some really really interesting guests on so who is your who's your favorite cast you've had on the podcast far who that's a really good question i would say it was lou diamond i found him to be just a great guest just fun and interesting and diamonds got another podcast also called thrive loud which turn key podcast produces in we lose a great guy we've known lou actually for a year now and he is just kind of amazing and fun and german so kitty has doing the podcast has it changed your outlook on your you know call your day job i mean your business new day solutions right you talk a little bit about that and let me know has has doing the podcast change that at all now i mean you know i have a new day solutions is a really nice business we've been in business a long time most of the people that work for me them with me a long time where highly you know highly accredited we've got i just won the forbes investor by adviser by state award where i'm the only woman in new hampshire on the list so congratulations thank you and so we've we've really enjoyed a really fabulous career as a financial advisory firm and we're family firm so it's not like people wonder you know i think that people work with financial nationals all the time and they're actually not really sure how people get paid or how people are incented and so one of the things that i like is that it's very transparent and that it allows people to to know exactly how they pay me how they work with us what it is that we're trying to do for them and to be on this you know i always say on the same side of the table with my clients which is the most important face the podcast has in the book also is an idea of getting financial information to people beyond my clients have very nice clients the very nice practice it it grows every year new people come we have a nice team of people that work together i'm not running it all by myself anymore thank god and but i know that i have financial information that i would like others to get you know i would like to have a bigger megaphone i'd like to have more people be able to learn a little bit about money so you know i admit i do these things on the podcasts like you know talking about oh i don't know i did a show on lake should you put regular gas or or premium gas in your car and y you know premium gas is kind of a way fee to spend more money to get the exact same thing and what that might mean and you know these little son kind of tippy ideas about money just being a slightly better consumer can help you say you know hundreds hundreds of dollars a year actually without tried just knowing and so i like that the idea breaking it down and make it making it empowering that idea of a small idea that they can they can run with that just makes all of these things make these small changes in they all move you forward no i love that in and it's the kind of advice that i'm sure a new day that you know you don't really get out because you are looking at more big picture big investments not the little every day day to day things and the other thing that you know i don't know how many of our listeners are aware but as far as how you as an adviser get paid the encourage me if i'm wrong on this you know this much better than i do there are a lot of funds out there that are created by maybe the company that the financial advisor works for so if they sell you that fund then they get a kickback sometimes right right i mean it you know there are really two kinds of ways that financial advisor can be compensated they can be receiving commissions based on products that they sell you they could be receiving fees based on work that they do for you or many are actually getting paid for bells and so part of what is hard is when you work with an adviser that gets both commissions and fees is understanding when it is working for you when it is they're selling you something and it doesn't make them all bad because frankly the majority of our industry is in this hybrid commission fee platform but it's exactly what people dislike about the financial industry is that you don't really get how they get paid and you know and when you don't understand how somebody's paid you you actually can't understand when you're also paying more or when their advice is actually more for their benefit then for yours right because of course they're supposed to be advising you to to do better for you but if they're pushing their own product it could be because they want a higher commission on it right you know and also you know the type of product so you know the the reality is i always say to my clients you know if i'm recommending a product that generates the highest compensation to me you and i should be asking why this product right a credit add advisers and there was a fiduciary role the came in on the end of the obama administration that got set aside that was about the idea that advisors had to have a fiduciary responsibility to clients which they don't they're like i don't wanna say they're like car sales men but they have the same legal responsibility to you as car salesman because they actually worked for the dealership and the only people that are not it doesn't right it doesn't mean i can't buy great outy from the audi dealer and the salesman that works there just means i gotta know that he's not really getting paid for me getting paid from audi and he's got a home matrix for how he gets paid that i'm never gonna understand it's just you know let's not get into politics i think doug and i do enough of that on tuesday and thursday kt thank you so much for coming on anything that you want to any last bit of advice you wanna to give us before we wrap it up yeah i'd love you to pass on like if you have a i always think about my book is like the perfect kind of cutting eight coming of age book for women so here's what i'll say you have a young college grad you have a young high school grad you have a daughter a sister a wife a friend that you think some basic financial education in a really nonthreatening way please share with them contact information about getting my book the hard working woman's guide for money which is available on amazon and and or come listened to katie's money matters podcast free and available produces once a week to provide like dripping financial financial education on people get you could not have said it better myself against katie's moneymatters confined on i tunes or stitcher radio or overcast google play wherever you get your podcast a hard working woman's guide to money it really is such a great book and don't worry it's not gonna talk over your head it's got some great big picture things it's got some great money little tips hand as well podcast but her it really as host is written of for kt's the everyday money matters i woman don't know or how she everyday does guy all that she has is smart women sassy in and their crate life at debunk myths a daughter that will a able wife her clients a friend to save that they thousands want to help of dollars out it a year really k is a great t buying all welcome the links are going to to the be nice in the show guys notes on business of course hicklin for thanks all for having of that me stuff with podcast you for new day are solutions so as welcome well so as we have been for producing the buck your podcast funk for in couple fans of months now thank and you it so is so much for much listening fun kitty and it thank is so you much great for taking the information time with us today and that's what i strickland really thanks for having love me about thanks it everybody is that stephen it's really brian not go just ahead and take about us out saving of money for women but just great for financial the nice guys information on business all i'm the steve way around o'brien that is katie's fill money up matters your but week we with wanna talk the nice a little guys bit about your book hard working woman's five guide episodes to of week money isn't so that what like some kind is of it a that war was the catalyst crime to burnishes make you waterboard wanna raise centigrade these poor question people

Steve O'brien Strickland
World's oldest person dies in Japan at age of 117

Money Matters with Ken Moraif

01:27 min | 4 years ago

World's oldest person dies in Japan at age of 117

"As well so moneymatters dot net is where you go for all of the above moneymatters dot net all right we're going to take a break we come back we're gonna talk about don't wait past seventy two star social security so stay tuned this is money matters with ken moraif on kfi am six forty let's check in with amy king in the kfi newsroom at twenty nine year old man in willowbrook has been arrested on suspicion of murder after his girlfriend was shot and killed and their eight year old daughter was critically injured the shooting happened early this morning on south grand avenue the woman died at the scene the eight year old was hit by a stray bullet and was taken to the hospital in critical condition a one and three year old were also in the house at the time they were not hurt the world's oldest person has died in japan nabi tajima was one hundred seventeen she was born august fourth nineteen hundred she has more than one hundred sixty descendents including great great great grandchildren the us based gerontology research group says that another japanese woman is now the old person in the world she is one hundred sixteen look up in the sky it's a shooting star lots of them actually the annual leered meteor shower which started monday peaks overnight tonight astronomers say the best time to see the most meteorites will begin around midnight just face east and look up if you can get away from city lights you should be able to see about ten meteors per hour the lyrics are not as spectacular as the perseus which come around every august but the lyrics are the oldest.

Ken Moraif Amy King Willowbrook Murder KFI Japan Eight Year Twenty Nine Year Three Year