David Mulonas - Podcast Details

Shows

Something On My MindPFT #98 - Personal Finance Tip of the Week: Can You Find $100 in your Budget?In the prior personal finance tip #97 which was how to save on the little things, we mentioned how to be awarded with Amazon digital credits for delaying delivery and we mentioned buying a monthly car wash plan. We also covered the value of buying long term products and services rather than single use items which occur multiple times. Lastly, we covered the value of buying products on the basis of consumption needs. Employing this mindset with all of your spending will watch your dollars add up. So we’d like to propose a challenge to you. Can...2025-02-0303 min

Something On My MindPFT #97 - Personal Finance Tip of the Week - The Little Things That Save You MoneyWebsite https://www.somethingonmymind.net/Merchandisehttps://www.somethingonmymind.net/shopSocial Media https://www.instagram.com/somm.podcast/https://www.youtube.com/channel/UChec5qcZBcGkIhUU3belNDwhttps://www.tiktok.com/@somm.podcast?lang=enhttps://www.facebook.com/somm.podcasthttps://twitter.com/Somm_podcastWhen it comes to budgeting, people think about the monthly expenses for items such as the mortgage/rent, car payment, grocery bill, subscriptions and so on. On the flip side there are costs that fall into...2025-01-1502 min

Something On My MindPFT #96 - Personal Finance Tip of the Week: Navigating the Rising Cost of Auto InsuranceAccording to Bloomberg, auto insurance rates in the US have increased by 37% since January 2020, and as of December 2024, the trend shows no signs of slowing down.This is understandably concerning.When you factor in car payments, fuel, and maintenance along with insurance, auto expenses can easily become one of the largest budget categories.Several factors contribute to this rise, with two major ones being the complexity of modern vehicle technology, including sensors, and the escalating cost of parts. Additionally, the average cost for a collision claim has reached $6,000.For example, my own car’s bu...2025-01-0302 min

Something On My MindPFT #95 - Personal Finance Tip of the Week: The Mortgage Refinance Double TrapIn times of high interest rate environments, most people will not refinance due to the cost. With that being said, circumstances arise to warrant this, such as divorce, marriage or a job relocation.For the most part, people wait for the federal reserve to cut rates so that borrowing money is more palatable. For example, at the time of this recording, the average interest rate for a 30-year mortgage is 7%.So when the rates begin to drop later this year, people will rush in to refinance.For example, a 7% interest rate for a $300,000 mortgage generates a...2024-04-1703 min

Something On My MindPFT #94 - Personal Finance Tip of the Week: The Superbowl, Inflation and Compound InterestToday is 2/11/24 which is the Superbowl with the Kansas City Chiefs vs. the San Francisco 49’ers and this marks the 57th time that this game will have been played. This is a large amount of years, so we decided to run some math based on the amount at which things are consumed and what they cost. Let’s start with advertising and the cost for a one minute spot during the game:In 1967: $37,500. For 2024: $7 million. This equates to an increase 185 times. To further that, this means gas would be $61 per gallon and the...2024-02-1103 min

Something On My MindPFT #93 - Personal Finance Tip of the Week: Credit Cards After The HolidaysAfter the December holidays we often hear people talk in social groups and in the media that the credit card bills are coming due as a result of shopping during the December holidays. Obviously, this means only one thing: that if you have payments coming, debt was compiled that can’t be paid off in one billing cycle. Moreover, the simple fact is that when this occurs, it means that people are buying things that they cannot afford. We have talked about this many times . . . this is not a good practice. Secondly, it is probable that th...2024-02-0803 min

Something On My MindPFT #92 - Personal Finance Tip of the Week: Try Escheating to Find Unclaimed PropertyOkay, you’ve got to be escheating me. What on earth does that mean? The definition derives from medieval times, in feudal law. When a landowner (tenant of a fief) died without an heir or committed a felony, a process was needed for the ownership of the land. In modern times it is the right of a government to take ownership of estate assets or unclaimed property in the event there are no heirs or beneficiaries.In layman's terms, you may have a variety of financial assets that you can claim and this includes un...2024-01-2302 min

Something On My MindPFT #91 - Personal Finance Tip of the Week: Gift Card ManagementThe United States culture tends to recognize many types of celebrations and this has created a common theme of replacing presents with gift cards. They are easy to purchase, simple to use and the beauty is that people can shop for what they want without having to wrap and return items.Throughout the years gift cards can accumulate in wallets or desk drawers and many people are waiting to redeem them for a special occasion. According to USA Today, 47% of Americans have one unused gift card, voucher or store credit, and on average each person has $175 in unspent gift...2024-01-1502 min

Something On My MindPFT #90 - Personal Finance Tip of the Week: Ordering Supplies for Landscaping and General Contractor JobsAccording to Zippia.com, in 2021 the average amount homeowners spent on home improvement was $10,341 which was up 25% from 2021. This makes sense as people spent their cabin fever time improving their homes and now that Covid is more controlled. People are spending more due to M1 money supply with unemployment and stimulus checks. Now that labor rates are rising due to lack of resources, the general contractors and landscaping companies are raising their rates and passing them onto you. This is just another result of inflation.So what can be done to curb the cost? The easiest...2024-01-0602 min

Something On My MindPFT #89 - Personal Finance Tip of the Week - Choosing Invisible or Bluetooth Fence for Your DogIf you have a dog and a fenced-in yard, this helps your furry companion with better overall health as it provides him the ability to be outdoors, exercise and have a consistent marked territory.On the other hand, if you do not have a fenced yard, this is where the invisible fencing comes into play. Other than the shock factor that your pet will adapt to, this is a fantastic option.This has been a common choice for pet owners for many years; however, the cost for a system is expensive as it averages $1,200...2023-12-2402 min

Something On My MindPFT #88 - Personal Finance Tip of the Week: Knowing When to Refill Your Propane TankAccording to AgHires, Over 74 million Americans grilled out for the 4th of July. Of this food, burgers will be cooked by 85% of people, steak 80%, and chicken 73% and not to mention, 150 million hot dogs. When it comes to grilling, 61% of people choose propane and 49% for the charcoal purists according to statista.com.Now that we’ve had some heat on this topic, the last thing that you want to do is run out of propane when you're in the middle of dinner preparation.A common question is . . . how do I determine when I need to re...2023-12-1602 min

Something On My MindPFT #87 - Personal Finance Tip of the Week: Rotating Your Furniture Extends Its LifeWhen it comes to using a couch, sofa or chair, many people simply use it and do not think about maintenance; however, this may leave you with furniture that wears out prematurely. So to avoid this, let’s go through some tips:1. Rotate and fluff seat and back cushions regularly. This simply extends the life of the furniture2. Rotate identical upholstered accent and dining room chairs when one or more of them are not used regularly. This will extend their life even further3. Vacuum furniture with an upholstery attachment on a regular basis 2023-12-0702 min

Something On My MindPFT #85 - Personal Finance Tip of the Week: Purchasing Event Tickets and ParkingEven in times of rising inflation, people seem to be going out and spending money. This is likely to occur for some time until things are too expensive and we fall into a recession or in stagflation state.At the moment the world has a handle on Covid and entertainment venues are filling the seats. So when going to an event, the question is: do you buy your tickets right away or do you wait? If it is a can’t miss, people will pay up.If you decide to wait, there are ma...2023-11-2802 min

Something On My MindPFT #84 - Personal Finance Tip of the Week: Eco-Firendly ToiletsThe Earth might seem like it has abundant water, but in fact less than one percent is available for human use and we are running out of it. So let’s push down the handle on some Flush Facts: According to the EPA, the average American uses 300 gallons of water per day or about 80 gallons per person. In addition, roughly 70 percent of this use occurs indoors. So it goes without saying that there is always something that we can do. So let’s talk about toilets.With that being said no one goes out and says that...2023-11-1702 min

Something On My MindPFT #83 - Personal Finance Tip of the Week: Gas GougingIn times when inflation is rising, we experience higher prices for our goods and services as well as shortages.For example, In the grocery store, we’ve experienced products in limited supply from toilet paper to baby formula. When a desired product is available, it is emptied as soon as it was stocked. When it comes to gasoline, supply chain disruption was experienced in 1973 and 1979. This also occurs during natural disaster situations where shortages shoot up prices and then we hear about gauging. To make things clear, gauging does occur; however, there is a...2023-10-0202 min

Something On My MindPFT #82 - Personal Finance Tip of the Week: Better Battery Company's Eco BatteriesThis week’s personal finance tip is about Better Battery Co’s Recycling and Delivery Program.Can you imagine how many batteries are in landfills considering every household uses them?According to The California Department of Resources and Recycling, it is estimated that 4 billion disposable batteries are shipped to the US each year and that means the average US household uses an estimated 47 batteries per year. Now this is a daunting piece of information; however, there is good news. You can now purchase batteries online while also disp...2023-07-2802 min

Something On My MindPFT #81 - Personal Finance Tip of the Week - Cell Phone InsuranceIt seems that everyone has a cell phone and back in the day that was the sentiment for owning a television.The difference is that people’s devices are attached to the palm of their hands. The interesting thing is that a cell phone can cost more than most T.V. 's but we tend to test their durability. It is plausible to say that people drop their phones at least twice a day. Moreover, we’ve all heard or had stories of losing them and dropping them into a la...2023-06-3002 min

Something On My MindPFT #44 - Personal Finance Tip of the Week: The Cell Phone WarsIt seems that everyone has a cell phone and back in the day that was the sentiment for owning a television.The difference is that people’s devices are attached to the palm of their hands. The interesting thing is that a cell phone can cost more than most T.V. 's but we tend to test their durability. It is plausible to say that people drop their phones at least twice a day. Moreover, we’ve all heard or had stories of losing them and dropping them into a lake. I ac...2023-06-2202 min

Something On My MindPFT #80 - How Rechargeable Batteries Power up Your BudgetWhen it comes to our finance tips, we haven’t covered reusable batteries as this seems like a no-brainer; and that exactly a case; however, sometimes we need a reminder. Rechargeable batteries have been around since I was a kid in the 70’s and they juiced up my remote control cars and my giant dual tape deck boom box radio. Now that we are in the 2020’s we still have an insatiable need for batteries for just about anything due to the advanced technology in our daily lives. So let’s run th...2023-06-1502 min

Something On My MindPFT #79 - Personal Finance Tip of the Week: Stock Market and Inflation CapitulationThis week’s episode is about the stock market and inflation capitulation.At the time of this recording the stock market as a whole is 20% down from its previous high water mark and inflation hasn’t been this high since Luke and Laura were popular on General Hospital.So when this occurs many people begin to panic about what to do with their investments. Now this is a logical thought especially for the Millennial generation and beforehand where these people have been through the 2008 Financial Crisis, the Pandemic downturn.The common question that...2023-06-0802 min

Something On My Mind#142 - The Impact of AI on the Job MarketThere is no doubt AI will impact the amount of jobs available in the future and how much money people can make. What jobs are at risk?Social Media https://www.instagram.com/somm.podcast/https://www.youtube.com/channel/UChec5qcZBcGkIhUU3belNDwhttps://www.tiktok.com/@somm.podcast?lang=enhttps://www.facebook.com/somm.podcasthttps://twitter.com/Somm_podcast 2023-05-1240 min

Something On My MindPFT #78 - Personal Finance Tip of the Week: How To Stretch a Tank of GasThe average cost for a gallon of gas as of this recording is $4.22 according to AAA. Not to mention that this has been going on for weeks and it may stay this way for several more cycles.So what can we do to get more out of our tanks of gas?#1 Use apps such as GasBuddy which is our PFT #23 to find the lowest costs in your area. I always go to Costco.#2 Keep your speed in check. According to Consumer Reports, driving 65 mph instead of 75 mph on the highway can increase fuel efficiency...2023-05-0402 min

Something On My Mind#136 - The Most Regretful College Career Choices and CareersWe review the top ten worst college degree choices. Social Media https://www.instagram.com/somm.podcast/https://www.youtube.com/channel/UChec5qcZBcGkIhUU3belNDwhttps://www.tiktok.com/@somm.podcast?lang=enhttps://www.facebook.com/somm.podcasthttps://twitter.com/Somm_podcast 2022-11-2534 min

Something On My Mind#135 - The New Climate Change Communities Avoiding CatastrophesThe new climates chage communties are protecting themselves from the results of typical major disastors. Social Media https://www.instagram.com/somm.podcast/https://www.youtube.com/channel/UChec5qcZBcGkIhUU3belNDwhttps://www.tiktok.com/@somm.podcast?lang=enhttps://www.facebook.com/somm.podcasthttps://twitter.com/Somm_podcast 2022-11-1334 min

Something On My Mind#132 - The Best Countries to Live In - Where Does the US Rank?What is the best country to live in? Hint - it is not the United States. Are you suprised?Social Media https://www.instagram.com/somm.podcast/https://www.youtube.com/channel/UChec5qcZBcGkIhUU3belNDwhttps://www.tiktok.com/@somm.podcast?lang=enhttps://www.facebook.com/somm.podcasthttps://twitter.com/Somm_podcast 2022-10-1733 min

Something On My Mind#130 - NFL Rookies DinnerShould NFL rookies have to pay $3,000 - $50,000 for hazing dinners with veterans?Social Media https://www.instagram.com/somm.podcast/https://www.youtube.com/channel/UChec5qcZBcGkIhUU3belNDwhttps://www.tiktok.com/@somm.podcast?lang=enhttps://www.facebook.com/somm.podcasthttps://twitter.com/Somm_podcast 2022-10-0434 min

Something On My Mind#127 - Goverment Positions Term LimitsShould congress have age and term limits? Is that discriminatory? There are brginning age limits to hold a position so why isn't that the case on when one cannot hold a position? Website:https://www.somethingonmymind.net/Social Media https://www.instagram.com/somm.podcast/https://www.youtube.com/channel/UChec5qcZBcGkIhUU3belNDwhttps://www.tiktok.com/@somm.podcast?lang=enhttps://www.facebook.com/somm.podcasthttps://twitter.com/Somm_podcast 2022-09-1425 min

Something On My Mind#124 - The 327 Square Foot Apartment Coming to Town Near YouThis week we talk about the the future of tiny home apartments where the walls and fixtures move by way of robotics to create five different living spaces. Website:https://www.somethingonmymind.net/Social Media https://www.instagram.com/somm.podcast/https://www.youtube.com/channel/UChec5qcZBcGkIhUU3belNDwhttps://www.tiktok.com/@somm.podcast?lang=enhttps://www.facebook.com/somm.podcasthttps://twitter.com/Somm_podcast 2022-08-2250 min

Something On My Mind#123 - Why People are Leaving CaliforniaThis week discuss the trend of people leaving California due to the Pandemic, The Great Resignation, Climate and Cost of LivingWebsite:https://www.somethingonmymind.net/Social Media https://www.instagram.com/somm.podcast/https://www.youtube.com/channel/UChec5qcZBcGkIhUU3belNDwhttps://www.tiktok.com/@somm.podcast?lang=enhttps://www.facebook.com/somm.podcasthttps://twitter.com/Somm_podcast 2022-08-1554 min

Something On My Mind#121 - The $1.2 Billion Mega Million WinnerWhat would you do with $1.2 billion? The Mega Millions just had its largest winner ever. Website:https://www.somethingonmymind.net/Social Media https://www.instagram.com/somm.podcast/https://www.youtube.com/channel/UChec5qcZBcGkIhUU3belNDwhttps://www.tiktok.com/@somm.podcast?lang=enhttps://www.facebook.com/somm.podcasthttps://twitter.com/Somm_podcast 2022-08-0146 min

Something On My Mind#120 - Please Don't Invite Me to Your Weeding. I'm BrokeThis week we talk about how there are a record number of weddings in 2022 and the people attending them are going brokeWebsite:https://www.somethingonmymind.net/Social Media https://www.instagram.com/somm.podcast/https://www.youtube.com/channel/UChec5qcZBcGkIhUU3belNDwhttps://www.tiktok.com/@somm.podcast?lang=enhttps://www.facebook.com/somm.podcasthttps://twitter.com/Somm_podcast 2022-07-2541 min

FutureProof Advisor PodcastThe Power of Financial Literacy with David MulonasCorporate IT Product Manager with a passion for finance, David Mulonas joins Matt on this episode of Bridging the Gap. He shares how he helps people with their personal finances, his unique perspective on personal finance, his belief in how financial literacy can power change and innovation our country, his podcast, Something On My Mind Podcast, and more. You don’t want to miss this unique, inspirational conversation with David. 2022-05-1829 min

The Jeff Macolino Podcast074 - David Mulonas and MeDavid Mulonas is a cohost of "Something On My Mind Podcast" and a finance author who wrote his book "I’m Not Flipping Burgers When I’m 70!" We chat about personal finances (duh!), cars, retirement, Will Smith and many other topics. Check out David's podcast and socials: https://www.somethingonmymind.net/ https://www.instagram.com/somm.podcast/ Sponsors: GEOLOGIE! Use this link or the promo code "JMAC50" when you order! https://geolog.ie/JMAC50 Check out Pure Hemp Botanical! https://pure-hemp-botanical.pxf.io/jmacpod Buy Jeff a dri...2022-05-091h 28

Something On My MindPFT #77 - Personal Finance Tip of the Week: Avoiding the Hidden Fees With Goods and ServicesThis week’s topic is about those pesky fees when paying for good and services. In the digital age with money, there is a 100% chance that you can pay for goods and services electronically. In my case, I pay with a credit card whenever I can so I can get reward points as well as protection that it offers against theft.However, there are circumstances when a fee is required when charging with a credit card. Typically, this occurs with small businesses when it comes to general contractors, sprinkler installers, landscaping, tree services and the like. 2022-04-2802 min

Something On My Mind#108 - Are You Saving Enough for Future Retirement? Compound Interest is Your Best FriendIn this week's episode we discuss if are people are saving enough for future retirement. The average American has just over $65,000 in their investment accounts. This is no where near the money that will be needed to retire. Each person should be saving 10-15% of their gross income to achieve this goal.We discuss what options that can help you achieve your goals and the value of compound interest. Website:https://www.somethingonmymind.net/Social Media https://www.instagram.com/somm.podcast/https://www.youtube.com/channel/UChec5...2022-04-2538 min

Something On My MindPFT #76 - Personal Finance Tip of the Week: How to Manage Bonus Checks With Your Retirement PlanThere is nothing wrong when the word “bonus” is used in a sentence. When it comes to money this is even better. According to Zippia.com 33% of companies in the U.S. offer year-end bonuses and 40.5% of all U.S. workers have access to nonproduction bonuses.In addition, with Great Resignation, many companies are offering sign-on bonuses to attract new talent. So this leads us to the point of managing your employer retirement plan including 401(k)’s, Roth 401(k)’s, 403(b)’s and 457(b)’s. When receiving a bonus, check with your HR depa...2022-04-2202 min

Run Thrive SurviveMoney for your Mental Health? || With David MulonasWhat's more stressful than finances? I'll wait. Between health and finances there are very little other problems that can cause a complete spiral. What if your finances are causing your health to decline due to stress? That might be even worse! David Mulonas host of the Something On My Mind Podcast and the author I’m Not Flipping Burgers When I’m 70 (Personal Finance) and also is a financial coach who provides comprehensive planning for budgeting, debt management, home ownership and tools to invest for the future. Hegoes back to discussing the TRUE basics that we always need...2022-04-1946 min

Rise to the Challenge PodcastDavid Mulonas talks: Finance Passion, Divorce Challenge, Podcast Host, Author and MoreDavid Mulonas joins Alex Burket on the Rise to the Challenge Podcast. David talks about his journey in his passion with Finance. He talks about the path he took and the challenges he faced. We had his wife on the show and he talks about going through divorce and how he met his wife now and the bond they have created. He talks about the creation of Something on my Mind Podcast and the mission they are showcasing. We talk about so much more on the Rise to the Challenge Podcast. Check out the links below to...2022-04-181h 00

Something On My MindPFT #75 - Personal Finance Tip of the Week: Are All Inclusive Trips Worth the Money?Raise your hand if you've been to an all-inclusive trip. I have and I love them. When I think of this type of vacation, I envision the aquamarine water, cooling sand, sensuous smells from the grill and of course, tropical drinks.So a common question that we receive is: are all-inclusive worth the money?It depends, so let’s explore: The advantage is you know exactly how much your trip is supposed to cost and you get everything in the hotel grounds for free so you can eat, drink and play as mu...2022-04-1402 min

Something On My Mind#106 – The Recycling ProblemThis week's episode is about the recycling problem, specifacally with plastic that is harming our planet. We talk about solutions that exist and what measures can be taken to solve the matter that concerns our precious planet. Are we too late? Probably. In the rountable, we talk about a weird dating experience due to a hangry episode. Website:https://www.somethingonmymind.net/Social Media https://www.instagram.com/somm.podcast/https://www.youtube.com/channel/UChec5qcZBcGkIhUU3belNDwhttps://www.tiktok.com/@somm.podcast?lang...2022-04-111h 08

Something On My MindPFT #74 - Personal Finance Tip of the Week: Planning for Gifts in the Monthly BudgetThis week’s topic is about planning for gifts in your budget.Right off the bat, think to yourself and ask when is the last time that I purchased a gift for someone. More than likely it has been in the last month. If not, that’s what most people average over the course of a year. When we think of gifting, it is often for the end of year holidays or birthdays; however, it goes way beyond that. Let’s think of other major events for most people to recognize such as Val...2022-04-0702 min

Something On My Mind#105 - The Biden Billionaire Wealth Tax Bill: What is it and Will it Pass In CongressJoe Biden's budget proposal for the 2023 fiscal year includes a Billionaire Minimum Income Tax. The budget proposes that all households worth more than $100 million pay at least 20 percent in taxes on both income and unrealized appreciation which is an increase in an unsold investment. The projection will raise $360 billion.The questions is . . . will the bill pass and if it did, how would the money be allocated? We also investigate other options. In the roundtable we discuss how to handle the situation when you think that someone has passed away. Podcast Mediahttps://www...2022-04-0445 min

Something On My MindPFT #73 - Personal Finance Tip of the Week: Travel Tips Round 2This week’s topic is about luggage and tolls when traveling.So who's ready for a vacation? I am and I just got back from a recent trip! Now during the course of my freedom I was reminded of a few things that can help you when traveling.The first thing is packing your items. Most airlines will charge you for a checked bag and if you exceed 50 pounds, the charges can increase significantly. Therefore, weigh your bags on a scale before going to the airport. In addition, you can bring a small suitcase to...2022-03-3102 min

Something On My Mind#104 - Michael Unbroken: His Story of Childhood Abuse and How He Became a Successful EntrepreneurThis week's episode conducts and interview with Michael Unbroken: He is the host of the Think Unbroken podcast which centers on child abuse; and he also offers many free and paid healing coaching programs and courses on his website. He has an amazing story and I think many people would be homeless. in a bad way or deceased as an adult. So he is on our show today to tell us about his childhood and what he did to become a successful entrepreneur. He is CPTSD, TRAUMA and Mental Health Healing Coach. He is also an author and off...2022-03-2855 min

Something On My MindPFT #72 - Personal Finance Tip of the Week - Term Life Insurance is a Low Cost Investment for Your Loved OnesThis week’s topic is term life insurance. One of the most important things that people want to do is protect their family In the unfortunate event when they pass away. One of the easiest ways to do this is term life insurance and costs have come down significantly due to advances in medical technology. For the most part, it is perhaps the lowest cost investment that you can make. In short you pick a policy term such as 10, 20, or 30 years and the amount of the policy. The key in this equation is that the earlier the age, the policy is gene...2022-03-2402 min

Something On My Mind#103 - Crypto Regulation and The United State's Mission to be a Global LeaderThis week's episode is about the future of crypto regulation. In time a global structure will be put into place and the United States is seeking to be the leader. With China banning crypto, this opens the door to be a superpower with digital coins. The U.S. is also looking into a digital coin to outright remove the paper money and metal coin exchange. In the roundtable we talk about deal breakers with your partner. Website https://www.somethingonmymind.net/ Merchandise https://www.somethingonmymind.net/shop Social Media https://www.instagram.com/somm.podcast/ https://www.youtube.com/channel/UChec5...2022-03-2144 min

Something On My MindPFT #71 - Personal Finance Tip of the Week: How to Manage Rising Gasoline PricesThis week’s topic is about managing gasoline prices. For the last several years, we have been experiencing stable and low prices at the pump due several reasons including the proper supply and the United State’s ability to produce more crude. With that being said, the oil that we use comes from several sources including Russia; however, most of their crude goes to Europe and Asia. Nonetheless, crude markets are complicated and manipulative and prices have risen due a potential global supply problem. So this brings us back to Econ 101: less supply and enough demand will increase prices. According to AAA th...2022-03-1702 min

Think Unbroken with Michael Unbroken | Childhood Trauma, CPTSD, and Mental Health RecoveryDavid Mulonas - Debt, Family, Money | Trauma Healing CoachIn this episode, we have guest speaker David Mulonas. David and I will have this really incredible conversation about debt, finances, money relationships. And in this conversation, I tried to wrap my head around what I believed that I needed when I started my journey of getting out of massive debt. David is a finance and personal money coach. I wanted to have them on the show to have this conversation because I know that there are people out there struggling right now like I was, and I thought to myself, if I had this kind of information 15 years ago...2022-03-1452 min

Something On My Mind#102 - The Medical Bill Problem: How to Understand it. Lower It. Manage it.This week's episode covers the medical debt problem in the United States. About 20% of Millennials and Gen Xer's have defaulted on their bills. We will cover ways to understand your bill and how to ensure that it is accurate. In addition, what you can do to lower outstanding debt and pay less before being billed. In the roundtable, we speak about birthday's and we find our Florida man. Website https://www.somethingonmymind.net/ Merchandise https://www.somethingonmymind.net/shop Social Media https://www.instagram.com/somm.podcast/ https://www.youtube.com/channel/UChec5qcZBcGkIhUU3belNDw https://www.tiktok...2022-03-1443 min

Something On My MindPFT #70 - Personal Finance Tip of the Week: Uncorking the Secrets for Preserving and Enjoying WineThis week’s personal finance tip is about managing your wine. A personal finance tip on wine you say? Absolutely! How often have you opened a bottle and two days later it begins to taste like vinegar? This has to do with oxidation and then your pouring it down the drain. To find wines that are made with purpose for a value play, you have to spend between $15 - $25. So what can we do to get more out of our bottles? Store your wine on its side or upside down - it keeps the cork wet and protects against oxygen. Stor...2022-03-1002 min

Something On My Mind#101 - Is the Real Estate Pay Structure Fair and Who Likes Tatoos?This week's episode is about the real estate agent pay structure. The standard pay for a seller is 6%; 3% to the seller's agent and the 3% to the buyer's agent. In the scheme of things, this a very costly venture for the seller. For the buyer it is 2-6% of the purchase price to obtain the home for fees, title, taxes, insurance etc. Does the system need to be changed? We explore alternatives. In the roundtable we discuss a potential tattoo when the show makes $1 million dollars or gets one million downloads. Website https://www.somethingonmymind.net/ Merchandise https://www.somethingonmymind.net/shop...2022-03-0759 min

Something On My MindPFT #69 Personal Finance Tip of the Week: The Hidden Value of Measuring Furniture and AppliancesThis week’s topic is about the hidden value of measuring furniture and appliances before purchasing them. It is a great feeling to buy new big ticket items such as a refrigerator or a furniture set. It is fresh, it is untarnished and everyone loves the way it looks in the house. So when it comes to making a new purchase, a common mistake occurs when the area an item will be placed is not measured. For example, let’s take a look at appliances. With dishwashers and ranges, they have standard dimensions, while refrigerators and laundry units have much larger...2022-03-0302 min

Something On My Mind#100 - The Anniversary Episode: The Goals of Millionaire and Surprise Top 10 ListsIn this show we celebrate our 100th full-length episode. We look back on how we started and where we are now. In the financial topic, we cover interesting statistics regarding millionaires and you can explore where we fit in that circle. We also have each host bringing a mystery top 10 list on any subject sticking with milestones. In the roundtable we discuss experiences with driving in unfamiliar cities. Website https://www.somethingonmymind.net/ Merchandise https://www.somethingonmymind.net/shop Social Media https://www.instagram.com/somm.podcast/ https://www.youtube.com/channel/UChec5qcZBcGkIhUU3belNDw https://www.tiktok.com/@somm...2022-02-2858 min

Something On My MindPFT #68 - Personal Finance Tip of the Week: Tracking Crypto Gains and Losses for IRS Tax FilingThis week’s topic is about tracking your crypto currency transactions for tax purposes. There are more than 10,000 coins on the market making crypto a household word. Hence, the IRS has taken note and expects filers to report results of their trading activity. We covered this in our personal finance tip #55 where each year you calculate what you have in gains versus losses, and determine what that number is. For example, if you sell Bitcoin for $10,000 in profit and sell Solana for an $8,000 loss, you have a realized capital gain of $2,000. On the inverse you’d have a $2,000 loss. Keep in min...2022-02-2402 min

Something On My Mind#99 - We Welcome Our New Cohost and a Woman's Quest to Manage Money After Her Husband DiesIn the roundtable, we discuss how individual body parts are ugly. Website https://www.somethingonmymind.net/ Merchandise https://www.somethingonmymind.net/shop This week we discuss a woman's question about how to manage her money after he husband passes due to a terminal illness. She assets coming from his trust and some on her own; however, she has no plan in place. In the roundtable we discuss how individual body parts are ugly. Social Media https://www.instagram.com/somm.podcast/ https://www.youtube.com/channel/UChec5qcZBcGkIhUU3belNDw https://www.tiktok.com/@somm.podcast?lang=en https://www.facebook.com/som...2022-02-2148 min

Something On My MindPFT #67 - Personal Finance Tip of the Week: Creating Your Own Bulk Purchases Outside of the StoreThis week’s topic is about how you can create bulk purchasing power to save money with quality. It is no secret that buying in bulk gets you larger quantities for lower prices. We typically see this with the big players such as Sam’s Club and Costco and this can also be present with Internet shopping as well. So this is a great thing; however, many of the products that are sold come in limited product offerings or for a short period of time. Basically, bulk purchasing is designed for business rather than the consumer. With that being said you can...2022-02-1703 min

Something On My Mind#98 - With This Mask, I Thee Wed; Part 2 of the American Wedding Budget (With Special Guest Ciara Carter)In this week's episode we discuss the state of the American wedding with special guest Ciara Carter from the Run Thrive Survive. Are weddings cheaper during COVID? Why are people hurting themselves by not budgeting before entering into marriage? What's more important . . . the marriage or the mortgage. In the roundtable, we discuss if their is a future with soylent as a replacement for solid food. Website https://www.somethingonmymind.net/ Merchandise https://www.somethingonmymind.net/shop Social Media https://www.instagram.com/somm.podcast/ https://www.youtube.com/channel/UChec5qcZBcGkIhUU3belNDw https://www.tiktok.com/@somm.podcast?lang=en https...2022-02-1450 min

Something On My MindPFT #66 - Personal Finance Tip of the Week - Super Bowl Facts and Football Sucker BetsSuper Bowl 56 between the Cincinnati Bengals and Los Angeles Rams is projected to reach approximately 117 million viewers and in 170 countries. So let’s go through some current stats: -The average cost of a Super Bowl LVI ticket is more than $9,000. -Nearly $30,000 was the highest price ever paid for a Super Bowl ticket. -17 million people are expected to miss work the day after Super Bowl -1.42 billion chicken wings will be eaten. -11.2 million pounds of potato chips are expected to be eaten. When it comes to personal finance the big game is all about the mighty dollar. According to the...2022-02-1302 min

Something On My MindPFT #65 - Personal Finance Tip of the Week: Creating a Fiscal Year When Filing TaxesThis week’s topic is about managing your tax returns. By the beginning of February most people should have all documentation necessary to file their taxes. When it comes to filing the standard date to complete this April 15th. At this point in time, you can actually adjust your filing to a fiscal year. In my case, I account for the tax I need to save from March to March each year, rather than January to January. Hence, if you are in a bind this year and owe money to the government, this allows you 3.5 months to accumulate money to make...2022-02-1002 min

Something On My Mind#97 - Joe DiSanto of Play Louder: Entrepreneurial Success Tips With a Glass of WineSpecial guest Joe DiSanto of playlouder.com discusses his path to successful entrepreneurial investing and personal money management methods to achieve success and give yourself the option to retire earlier. In the roundtable we discuss why isn't fun to be the only sober person in the room full of drunks. About Joe Joe DiSanto is a fractional CFO and consultant to small businesses and high-income individuals. He also founded the blog Play Louder, which serves as an invaluable resource to help individuals and business owners increase their net worth and plan better for their future. https://www.linkedin.com/in/jo...2022-02-071h 12

Something On My MindPFT #64 - Personal Finance Tip of the Week: It Ain't Easy Being Cheesy -This week’s topic discusses the world of cheese and how to get the most from this fermented product loved the world over. According to Wikipedia cheese was cultivated approximately 7,000 years ago by accident, as a result of storing and transporting milk in bladders made of ruminants' stomachs, as their inherent supply of rennet (enzymes) would encourage curdling. So needless to say being cheesy isn’t easy as it is inherently tied to aging; however, the concoction creates delectable flavors and textures. When it comes to personal finance, pound-for-pound, cheese is one of the most expensive food items that you can p...2022-02-0302 min

Something On My Mind#96 - The Federal Reserve: Hawkish vs. Dovish With Interest Rates, Inflation and Supply ChainIn this week's episode we discuss what hawkish and dovish means when it comes to the Federal Reserve raising or lowering rates. With the supply chain and labor shortage intertwined with high demand for products core inflation has risen sharply. We also will cover the playbook on how to manage your investments. In the roundtable we discuss the option to put your body in a cryo tube with the hope to be pulled out in the future when medical technology has advanced. Website https://www.somethingonmymind.net/ Merchandise https://www.somethingonmymind.net/shop Social Media https://www.instagram.com/somm.podcas...2022-01-3147 min

Something On My MindPFT #63 - Bonus Personal Finance Tip of the Week: Child Tax Credits When Filing with Uncle SamThis topic centers on the early child tax credit and filing your 2021 taxes. In an effort in 2021by the US government they wanted to provide more families with additional cash in their pockets, they issued early child tax credits from July through December. If you qualified, these monthly payments were advances on 50% of the credit. In the past they would have been issued in the following calendar year when filing taxes So, when preparing your documents, be sure you have received a mailed document from the IRS, titled Letter 6419. If you are married, two letters will be issued. In short, on...2022-01-2902 min

Something On My MindPFT #62 - Personal Finance Tip of the Week: How to Save Money on Printer Ink CartridgesThis week’s topic discusses how to save money on printer ink cartridges. Over the years it has become commonplace for people to own a printer just like with a television or a cell phone. This is a great convenience and is worth the money as paying for printing service over time is a much more costly affair. When it comes to maintenance, ink cartridges will need to be replaced or refilled from time-to-time. With that being said purchasing new cartridges is the most expensive option. Depending on the make and model of the cartridge, they can cost between 200 - 300% more t...2022-01-2802 min

Something On My Mind#95 - Pay off the Mortgage or Invest the Money and Who Knew Nerds Could be Popular?This week we talk about the options of paying off the mortgage early: the advantage is removing debt which is always a good thing; however, does invest in real estate or the stock market have a better long-term benefit? In the roundtable we discuss that nerds can be popular too! Website https://www.somethingonmymind.net/ Merchandise https://www.somethingonmymind.net/shop Social Media https://www.instagram.com/somm.podcast/ https://www.youtube.com/channel/UChec5qcZBcGkIhUU3belNDw https://www.tiktok.com/@somm.podcast?lang=en https://www.facebook.com/somm.podcast https://twitter.com/Somm_podcast 2022-01-2538 min

Something On My MindPFT #61 - Personal Finance Tip of the Week: Knowing the True Cost of Appliances and WarrantiesThis week's topic is about the true cost of new appliances and warranties. We are a society that has too much stuff and we have become accustomed to the conveniences that have made our lives easier than it did for our grandparents. This is a great thing; however, appliances have become increasingly expensive due to the features that they offer as well as the high rate of inflation mainly due to the supply chain shortage. With that being said when you buy an appliance it is important to consider if there are other costs exists beyond...2022-01-2102 min

The Prosperity Perspective36. Make Mounds by Managing Your Personal Finance Like a Business with David MulonasWelcome back to The Prosperity Perspective Podcast! This week, host Liam Leonard brings on a fellow financial podcaster and investment expert, David Mulonas. David began his financial journey in the negative: his wife owed a mound of debt and he was trying to refinance his house after a divorce. Now, David has accumulated wealth from a variety of investment options, and he’s ready to share it with you! Hop into their conversation and get tips on running side hustles for profit, the necessity of running a full-scale personal budget first and foremost, and where to even sta...2022-01-2033 min

Something On My Mind#94 - Online Shopping Research Tips and Behavior to Pacify PeopleThis week we highlight tips for online shopping. What types of research are beneficial and where to obtain it. Also, we perform a historical look at 2021's purchase to reveal the reason why we purchase items. In the roundtable we discuss the words and phrases that people use to intentionally insult people as well what we do pacify their behavior in conversations. Website https://www.somethingonmymind.net/ Merchandise https://www.somethingonmymind.net/shop Social Media https://www.instagram.com/somm.podcast/ https://www.youtube.com/channel/UChec5qcZBcGkIhUU3belNDw https://www.tiktok.com/@somm.podcast?lang=en https://www.facebook.com...2022-01-1745 min

Something On My MindPFT #59 - Personal Finance Tip of the Week: Student Loan Moratorium and Future PaymentsThis week’s topic is about student loan moratorium. The federal student loan moratorium has been extended for the third time due to the Coronavirus pandemic. The loan relief began in March of 2020 and was set to end September 30, 2021 which was moved to January 31, 2022 and then moved again to May 1, 2022. Moratorium means that payments for principal or interest are not required and without any penalty. With the suspension payments, we know this is needed for many Americans; however, the important notion is to consider making payments if you have the means to do so. The simple fact is that you are...2022-01-1302 min

Something On My Mind#93 - The Hidden Details with Your Auto Insurance Policy and Revealing Information About Unusual NamesThis week we cover important details that are important to understand with your auto insurance policy. Should your rates go up if you are in an accident that is not your fault? There are also some items can save you money while there are hidden items that may cost you money in the long run. In the roundtable we discuss unusual names that people have and how they affect people and what they can do to ease their pain. Website https://www.somethingonmymind.net/ Merchandise https://www.somethingonmymind.net/shop Social Media https://www.instagram.com/somm.podcast/ https://www.yout...2022-01-1037 min

Something On My MindPFT #58 - Personal Finance Tip of the Week: The Benefits of Travel InsuranceThis week’s topic is about travel insurance and is it worth the cost? As a result of the Covid pandemic, many vacations have been cancelled and thousands of people have lost thousands of dollars that can not be redeemed. This is where travel insurance can soften the blow. Typically it covers medical emergencies, trip cancellation, trip interruption, delays, medical needs, and lost, damaged, or stolen luggage. On the other hand, it may not cover glasses, hearing aids, dental bridges, tickets, passports, keys, cash, cell phones and rental car damage; however, your credit card or renters insurance may cover some of th...2022-01-0701 min

Something On My Mind#92 - Don't get FOMO with Your Car Lease Pull Ahead and We Talk about Useless InventionsThis week we cover the ins and outs of auto dealers offering lease pull aheads. What are the advantages and the disadvantages? What is FOMO that the car salesman are pitching? We provide insight on aid you in your decision making. In the roundtable we discuss white elephant gifts and useless inventions. Website https://www.somethingonmymind.net/ Merchandise https://www.somethingonmymind.net/shop Social Media https://www.instagram.com/somm.podcast/ https://www.youtube.com/channel/UChec5qcZBcGkIhUU3belNDw https://www.tiktok.com/@somm.podcast?lang=en https://www.facebook.com/somm.podcast https://twitter.com/Somm_podcast 2022-01-0342 min

Something On My MindPFT #57 - Personal Finance Tip of the Week: Skipping the Dry Cleaner Saves Money and the EnvironmentThis week’s topic is on the cost of dry cleaning and is it safe to wash the clothes at home? Dry cleaning is one of the most overlooked items in the budget and oftentimes it is not accounted for. The first question is how much does it cost each year. The unfortunate thing is that this is not a tracked statistic; however, busy professionals, especially in dual households, can easily spend $100 per month. Ouch!Okay . . . so let’s get question number two. Can your clothes be washed at home? The answer in many cases is yes; however it is impor...2021-12-3002 min

Something On My Mind#91 - Office Complaints, Crypto Legislation, Partners Splitting Bills and a Cash Reward for Reading a SyllabusIn this week's episode we handle a financial hodgepodge of questions from listeners. 1: Should congress be able to create legislation around crypto when are owners of it. 2. We examine a question that asks: what percentage of the bills should be paid when the home is owned by the other partner. 3. We cover a story about a professor who offered a cash reward if just one of his students read the syllabus In the roundtable we discuss what people care and think about with office politics and meetings. Website https://www.somethingonmymind.net/ Merchandise https://www.somethingonmymind.net/shop Social Media https...2021-12-2733 min

Something On My MindPFT #55 - Personal Finance Tip of the Week: Tracking Realized Capital Gains/Losses for the Calendar YearThis week’s topic is about realized capital gains before the year ends. As the year ends it is a common practice for investors to balance losses against gains to minimize taxes that are paid to the IRS each year. This applies to ownership in stocks, bonds, mutual funds, options and even crypto. When owing these assets we are referring to after tax accounts which is a straight brokerage account meaning that it doesn’t apply to tax-deferred accounts. such as a 401(k)’s and it doesn’t apply to after tax accounts such as Roth 401(k)’s, Roth IRA and IRA’s. So...2021-12-2301 min

Something On My MindPFT #54 - Is a Natural or an Artificial Christmas Tree Better for the Environment?This week’s topic centers on whether it is better to buy a natural Christmas tree versus an artificial one In recent years, there has been a debate that purchasing an artificial tree is a better long-term solution to that of a natural tree. Let’s start with artificial trees: there are many reports that they last 10-20 years; however, if taken care of properly, they can last beyond that. The negative part is that they are made from plastic which is derived from petroleum which is oil. So the question becomes, does the benefit of owning a non-recyclable product outwe...2021-12-2202 min

Something On My Mind#90 - Why Today's Kids Don't Want to Have Kids and We Introduce Robo CindyThis week we cover the growing trend of why Millennials and Gen Y's are waiting to have kids or opting out having them at all. Some common reasons include the social system, the environment and the affordability. In the roundtable we discuss alternative social gatherings for Thanksgiving and the holiday season. Lastly, we pay homage to losing Cindy and Justin from the program; however, we introduce Robo Cindy Website https://www.somethingonmymind.net/ Merchandise https://www.somethingonmymind.net/shop Social Media https://www.instagram.com/somm.podcast/ https://www.youtube.com/channel/UChec5qcZBcGkIhUU3belNDw https://www.tiktok.com/@somm.podca...2021-12-2039 min

Something On My MindPFT #53: The Personal Finance Tips One-year AnniversaryThis week’s topic celebrates our first 52 personal finance tips. Just one year ago, we launched our two-minute tips of the week. and we couldn’t be happier with the feedback that we’ve received because people are saving money and improving their lives. Some of the most popular tips include #5 about extending the life of your candles to keep the mood lighting in full glow. Another is #11 that detailed the process to buy used tires online that can save 50% over the cost of new tires. Others include the Ball aluminum solo-type cups, along with the value of purchasing a breath...2021-12-1602 min

Something On My Mind#89 - The 2021 Year End Financial Clean Up and We Discuss Social Media and the Cell PhoneThis week's episode cover items that you can do to tidy up your financial fitness.. It can be adding to your 401(k) and Roth IRA, using up your FSA or paying down debt with a potential raise or bonus. There are several items that covered in this episode that can prepare you for 2022. In the roundtable we discuss how phones command our attention specifically with social media. Website https://www.somethingonmymind.net/ Merchandise https://www.somethingonmymind.net/shop Social Media https://www.instagram.com/somm.podcast/ https://www.youtube.com/channel/UChec5qcZBcGkIhUU3belNDw https://www.tiktok.com/@somm.podcast?lang=e...2021-12-1437 min

Something On My MindPFT #52 - Personal Finance Tip of the Week: Radon; The Silent KillerThis week's episode is about the silent killer . . . Radon. Radon is a silent killer because it’s an odorless gas that we breathe in normally; and it is the second leading cause of lung cancer behind smoking. In addition, 21,000 deaths occur yearly. So what is radon you may ask? Let’s do a quick assessment: It is the main source of our exposure to all radiation. The rocks and soil beneath our homes contain traces of uranium and over time, it breaks down creating radioactive decay which emits radioactive radiation. So this is not a good thing; however, it can be m...2021-12-0902 min

Something On My MindPFT #51 - Personal Finance Tip of the Week: The Ball Aluminum Cups and the Positive Impact on the EnvironmentThis week’s topic is about the Ball Corporation’s new aluminum cups. We’ve all seen the classic Ball jars with that thick glass and metal top for canning vegetables - in my case, I use them as drinking glasses. As the world evolves so has Ball and they've recently announced the aluminum drinking cup that can replace the plastic solo type cups. They come with ample sizes to drink from, they are more sturdy and well insulated to keep your beverage cool and it is a much more appealing drinking experience. Now here’s the good stuff: 20 billion plastic cups...2021-12-0202 min

Something On My MindPFT #50 - Personal Finance Tip of the Week: Fire Extinguishers Save Lives and MoneyThis week’s topic is about fire safety in your home. An often overlooked item in one’s domicile is a fire extinguisher and the importance that it provides especially in the kitchen. According to NFPA.org US fire departments respond to an estimated average of 172,900 home structure fires by cooking activities. These fires caused an average of 550 civilian deaths, 4,800 injuries, and more than $1 billion in direct property damage per year. Regardless of where and how a fire starts, safety is important. Just from a quick internet search, I found that prices for extinguishers ranged from $17 - $65 depending on certain factors...2021-11-2402 min

Something On My MindPFT #49 - Personal Finance Tip of the Week: The Residual Value of Your Car and Buying Your Lease OutThis week’s topic is about the residual value when leasing and should and buy the car when the contract is over. When it comes to driving a car, the common question is, are you better off buying or leasing? On the whole, having two separate leases will cost more than purchasing a car outright. The other question is . . . Should you buy a car when the contract is over or lease again? If you want to save money typically the answer is yes and this is where residual value comes into play. Website https://www.somethingonmymind.net/ Merchandise https://www.somethi...2021-11-1802 min

Money Boss Parent#124: The Ultimate Budget | David MulonasOur guest today, David Mulonas from Something on My Mind podcast, shares with us his budgeting strategy, and how he not only adopted it in his life but also got his wife to participate and be interested in the processPoints discussed:How to get startedHave to care - use the budget as a tool to help you accomplish your biggest goalsEducation - reach out for help and guidance to othersIncentivize - give yourself a reward for doing the hard workInfluence & Model - look and adopt what is alreading working Budgeting worksheets & t...2021-08-2151 min

Tony Talks Wealth PodcastDeveloping The Skills For Success - with David MulonasThis week, Tony is joined by David Mulonas, a published author and project manager in the IT sector, who along with his wife, Cindy, hosts an extraordinary personal finance podcast entitled 'Something On My Mind', providing a fresh take on personal finance tips, budgeting, debt management and investing principles.David joins Tony to discuss the principles upon which he and Cindy have established their successful personal finance brand, how to establish your own place in the sector, and why purpose in life matters so much.KEY TAKEAWAYSCreating a brand isn't an instant thing...2021-07-1953 min

Something On My Mind#57 - Life After College: I Need Job. I Need a Budget. Where Do I live? Help!This week's episode reviews the life after college. These are many of the questions that people are asking: Am I going home? Do I have to? Can I get a roommate and split rent? I need a job? My internship fell through during COVID. Do I have anybody that I can network with? I need a budget. How do I budget? I need help! In the stories section David and Cindy discuss the unusual and crazy jobs people have that you didn't know existed. They also discuss how a man in Japan has been arrested for taking birthday gifts from 35 d...2021-05-031h 03

Something On My Mind#55 - The College Admissions Scandal and COVID BrainThis episode reviews the College Admissions Scandal documentary on Netflix. Rick Singer the mastermind behind the "side door" method created a system to get students into prestigious schools through a "dummy" charitable orgninization. With this set up, rich and well-known parents paid Rick Singer to where he took the money and bribed coaches, school administration officials and an SAT a ACT test taker. In the end the students where being admitted to as walk-on candidates to under the radar sports programs that received little attention to that of the larger profile sports. Their portfolios where doctored up with photos that we...2021-04-1939 min

Something On My Mind#35 - How Does Pet Insurance Work and and How to Factor it Into Your BudgetThis episode discusses pet insurance: how it works and what you need to consider before choosing to pay for coverage. In addition, they discuss the need for owners to factor in pet insurance into their budget. In the roundtable David discusses how his son chooses to pay for parking tickets at college which is still cheaper than paying for a semester parking pass. Hopefully no one else catches on to his logic. In the Coronavirus montage: the story of a fertility doctor that inseminated eight known patients who bore his children Next: the warning that doctors are giving to families n...2020-11-3030 min

Something On My Mind#33 - How Long-Term Sustainable Products Can Reduce Your Budget While Helping the EnvironmentIn this episode David and Cindy discuss how to save money on products that you buy while at the same time helping the environment. The goal is to purchase items that reduce waste (mainly plastic and single use items) and this can be done by replacing your current products at a lower cost to your budget. They also pay tribute to our veterans and highlight the story of a hundred-year old World War II pilot who still flies and set Guinness world record in doing so. Lastly, they pay homage to Jeopardy! host Alex Trebek. https://www.instagram.com/somm...2020-11-1639 min

Something On My Mind#29 - Life Insurance Basics & Budgeting Success Stories From ListenersIn this episode David reviews feedback from listeners and how they made positive impacts with their personal finance choices to improve their futures. Next: How much life insurance that you need to cover your loved ones and guidelines that you can follow to prepare for the future. This is arbitrary decision. Next: there is a recent survey that says there is an increase percentage where democrats and republicans will not date each other.2020-10-1936 min

Something On My Mind#25 - The Cash Out Refinance vs. the Home Equity Loan vs. the Home Equity Line of CreditIn this episode David and Cindy review a cash out refinance versus a home equity loan versus a home equity line of credit. They also provide an analysis of what may be the best option to use one of these loans and the drawbacks to borrowing the money. In the Coronavirus montage they discuss the story of a woman who cut off her hand in an effort to receive an insurance payout and the story of a national park in Thailand that sends people’s litter back to them and posts it on social media. https://www.instagram.com/somm.po...2020-09-2131 min

Something On My MindSOMM Promo - Upcoming Updates to the ShowDavid and Cindy talk about updates to the show 2020-05-3101 min