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 minSomething 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 minSomething 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 minSomething 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 minSomething 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 minSomething 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 minSomething 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 minSomething 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 minSomething 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 minSomething 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 minSomething 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 minSomething 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 minSomething 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 minSomething 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 minSomething 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 minSomething 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 minSomething 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 minSomething 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 minSomething 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 minSomething 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 minSomething 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 minSomething 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 minSomething 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 minSomething 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 minSomething 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 minSomething 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 minSomething 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 minSomething 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 minSomething 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 minSomething 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 minSomething 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
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2022-05-091h 28Something 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 minSomething 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 minSomething 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 minSomething 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 minSomething 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 08Something 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 minSomething 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 minSomething 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 minSomething 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 minSomething 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 minSomething 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 minSomething 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 minSomething 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 minSomething 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 minSomething 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 minSomething 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