Shows
Merging Life and Money with MJ CaesarDON’T KNOW WHERE TO START INVESTING? – Let’s talk about it…Send us a text🟦 Are you looking to invest your money and don't know where to start? Or are you confused about the different types of investment funds available? 🟦 Join me as my special guest Eric Dudley will be talking about the three most common types of investment funds: mutual funds, ETFs, and index funds. He will explain the pros and cons of each type, so you can decide which is right for you. Here are some HIGHLIGHTS from this episode. 06:38 What are funds?07:44 What are mutua...
2022-08-2329 min
Merging Life and Money with MJ CaesarMEDICARE – What should you know about it?Send us a text🟦 Medicare is a health insurance program for people 65 years of age or older, people under 65 years of age with certain disabilities, and people of any age with End-Stage Renal Disease (ESRD). Also, it can be a great way to get the health coverage you need.There's a lot to know about it particularly as the population ages. The number of Americans on Medicare is forever growing; in fact, over 64 million people were on Medicare in 2020 and that number is expected to increase to over 80 million by 2030. 🟦 Whil...
2022-07-2550 min
Merging Life and Money with MJ CaesarSTUDENT LOAN SERIES PART 4 – THE COLLEGE APPLICATION PROCESSSend us a textWondering about how to start the college planning application process? You're not alone. Millions of families are struggling with the high cost of higher education. But there is hope. By taking the right steps ‘early in the game,’ your kids can make the most of their college experience and the process will help reduce costs along the way.🟦 Join me Thursday at 5:00 pm as my special guest Eric Dudley will tell you everything you need to know about:✅making a plan tailored to your unique needs and goals tak...
2022-06-2638 min
Merging Life and Money with MJ CaesarSTUDENT LOAN SERIES PART 3 -- FUNDING OPTIONS (2)Send us a textThe past 2 shows clearly reinforced the fact that higher education can be a costly endeavor, and for many families, footing the bill for college tuition and related expenses can be a major challenge. Thankfully, there are many funding options available to help meet this challenge.🟦 Join me as my regular guest Eric Dudley will be taking a closer look at more options that are available for financing college expenses. So, whether you are just starting to think about college or are already in the midst of the admission process, come...
2022-06-2236 min
Merging Life and Money with MJ CaesarWHY DO YOU NEED TO SAVE FOR COLLEGE PART 2 FUNDING OPTIONS (1)Send us a text 🟦 The cost of college is one of the biggest financial decisions a student or parents of a student will have to make. While there are many funding options available, each of them has its pros and cons; and the best option for each student depends on their individual circumstances.🟦 Join me as my special guest Eric Dudley will be talking about what is currently available there for students and parents alike as far as funding options for college are conc...
2022-06-1135 min
Merging Life and Money with MJ CaesarWHY DO YOU NEED TO SAVE FOR COLLEGE?Send us a text🟦 Most parents would do anything for their children. When it comes to education, they are no different. They want to ensure that their children have access to the best schools and opportunities available. However, what many don't realize is that saving for college should be a top priority.🟦 Join me as my special guest Eric Dudley will be starting a series about student loans. In part one, he will be talking about the need, the benefits and the reasons you need to start saving early for college.H...
2022-06-0330 min
Merging Life and Money with MJ CaesarSOCIAL SECURITY – WHAT SHOULD YOU KNOW ABOUT IT?Send us a text🟦 Social Security is one of the most important programs in the United States. It provides critical benefits to retirees, people with disabilities, and surviving spouses and children. 🟦 Social Security is especially important for women as women make up a disproportionate share of Social Security beneficiaries, and they are more likely to rely on Social Security for a significant portion of their income. 🟦 Social Security also plays a key role in reducing poverty among older women. In fact, without Social Security, the poverty rate among women...
2022-05-2136 min
Merging Life and Money with MJ CaesarANNUITIES – ARE THEY A GREAT RETIREMENT FUNDING CHOICE?Send us a text🟦 If you're considering annuities as part of your retirement planning, there are a few things you need to know. 🟦 Join me, as my special guest Eric Dudley will be talking about annuities. He will explain what they are as well as their pros and cons. He will help you understand how annuities can be used to plan and fund your retirement.Here are some HIGHLIGHTS from this episode. 06:10 Annuity definition09:23 Annuities’ characteristics10:19 How to fund an annuity? 12:29 Why are peop...
2022-04-2238 min
Merging Life and Money with MJ CaesarCOMMON MISTAKES PEOPLE MAKE WITH THEIR 401K PLANSend us a text🟦 Most American workers have the opportunity to save for retirement through a 401(k) plan. Are they making the most of it? Many people make common mistakes that can impact their ability to save enough money for a secure retirement and cost them thousands of dollars in retirement saving. 🟦 My special guest Eric Dudley will discuss some of the most common mistakes people make with their 401(k) plan and how to avoid them. By understanding these mistakes and taking steps to correct them, you can ensure...
2022-04-1635 min
Merging Life and Money with MJ CaesarShould you consider Indexed Universal Life insurance (UIL) as a retirement planning tool?Send us a text 🟦 Retirement Planning is one of the most important steps you can take to secure your future, however figuring out how to best do that can be tricky.🟦 One tool that can be incredibly powerful for retirement planning is Indexed Universal Life Insurance (IUL). IUL policies offer a unique combination of features and benefits that can help you reach your retirement goals. 🟦 Join me Thursday at 5:00pm PST, as my special guest Eric Dudley will be exploring some of the key reasons...
2022-04-0839 min
Merging Life and Money with MJ Caesar5 COMMON MONEY MISTAKES TO AVOID - You don’t have to be rich to be smart with your money.Send us a textMost people make money mistakes in their lifetimes. While making money mistakes is not the end of the world, it can be a costly and unpleasant learning experience. My special guest Eric Dudley and I are talking about five common mistakes people make with their finances and how to prevent them. Here are some HIGHLIGHTS from this episode. 04:31 Student loan debt – a growing problem05:42 Student loan debt – a heavy burden to carry08:16 Student loan debt default rate09:25 Auto loa...
2022-02-2039 min
Merging Life and Money with MJ CaesarWHY IS YOUR CREDIT SCORE IMPORTANT AND HOW TO IMPROVE IT?Send us a textA good credit score is vital to your financial health. This three-digit number can affect everything from the interest rate you pay on your mortgage or car loan to whether you get approved for a loan or even a job. Join me Thursday at 5:00pm PST, my special guest Eric Dudley and I will be talking about the factors that are included in your credit score, and how can you improve it?Here are some HIGHLIGHTS from this episode.03:26 What does credit score mean?...
2022-02-0726 min
Merging Life and Money with MJ CaesarDIY INVESTMENTS – Three-fund portfolio for beginnersSend us a textSound investment made simple! My guest, Eric Dudley will show you that investing does not have to be complicated if done right.We will address the key elements you must know about this very simple investing approach. So, join Eric and me today at 5:00 pm PST, you cannot afford to miss it!!Here are some HIGHLIGHTS from this episode.02:43 What is a three-fund portfolio?03:27 The three components of a three-fund portfolio05:08 What is an index fund?06:46 What is asset allocation?08:30 W...
2021-12-1827 min
Merging Life and Money with MJ Caesar4 MONEY TIPS THAT WILL CHANGE YOUR LIFESend us a textAs we are entering the holiday season, my guest, Eric Dudley, will reveal 4 important tips that will help you with your financial situation. Budget…Debt… Refi…Being a saver.Making your list and checking it twice, before spending money that you do not have. Join Eric and me Thursday at 5:00 pm PST, you cannot afford to miss it!!here are some HIGHLIGHTS from this episode. 04:26 Budgeting10:31 Projected spending for the holiday season13:27 Debt and how to control it14:28 How to consolidate your de...
2021-11-2031 min
Merging Life and Money with MJ CaesarBUY AND HOLD Vs. ACTIVELY MANAGED INVESTINGSend us a textWe will be talking about the practical side of money - INVESTING “proper” as they say. We will be looking at the above two investment strategies. My guest, Eric Dudley, an experienced holistic financial adviser will help you navigate through some investment essentials: Buy and Hold as well as Actively Managed investing. He will help you understand what they are, how they work and figure out whether or not they can be used in your retirement portfolio, in your kids’ college savings fund, or any other types of investment portfolio you are look...
2021-10-2333 min
Merging Life and Money with MJ CaesarLONG TERM CARE SOLUTIONS – What should you know about them?Send us a textLong-term care refers to a variety of medical and social service choices available to meet the needs and compensate for the functional disabilities of the elderly who can no longer function independently. These choices consist of complex and diverse programs and services that continue to develop as the demographics of the world population change. In the US, the aging of the population and the forecasted number of people likely requiring long-term care cannot be understated. So, this Thursday, my guest, Eric Dudley, an experienced financial adviser, specializing in retirement planning will help us n...
2021-09-1125 min
Merging Life and Money with MJ CaesarEVERYTHING YOU SHOULD KNOW ABOUT TERM LIFE INSURANCESend us a textMJ Caesar and Special Guest Eric Dudley will be talking about one important tool that you MUST have in your financial toolbox: TERM LIFE INSURANCE.They will cover:What is Term Life Insurance Who is best served by term life products Details to look for in Term policies: How much is enough? What are Riders? What are living benefits?Here are some HIGHLIGHTS from this episode. 03:15 What is Term Life insurance?03:55 When should you...
2021-07-1729 min