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Financial Freedom Podcast

A semi-monthly podcast that brings you advice and interviews with experts on various important topics to help you make better and smarter financial decisions in order to improve or maintain your financial situation.
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Now displaying: 2018
Dec 28, 2018

Many people, at one time or another, have thought about starting a business, but don’t have the money to make a go of it initially. Others have started a business but need money or credit to solve a cash flow problem or fund an expansion. But how does a business get credit and loans?

The entrepreneurial itch can be hard to scratch, and not proceeding properly and thoughtfully with running a business and handling credit can seriously harm your financial freedom. At the same time, doing it right can help you to be successful, make more money, and attain financial security. That is why, in this episode of the podcast, I talk with Ty Crandall, CEO of Credit Suite to talk about how business credit works and how you can use it successfully.

Dec 14, 2018

As with any goal in life, the sooner you start working towards it the better. That is certainly true of attaining financial freedom, since habits established when you are young tend to stick with you, and things like saving for a comfortable retirement are easier if you start tucking money away as soon as possible.

That is why in this episode of the podcast I talk with a personal financial expert who has literally been there, done that, and is now spreading the word to others in an effort to, in more ways than one, share the wealth. She is a millennial speaking to millennials, who knows what she is talking about, and I encourage you to listen to what she has to say.

Nov 30, 2018

Now that Santa Claus came to town in the Macy’s Thanksgiving Day Parade, the holiday season has officially begun! However, this season can be rather treacherous from a financial standpoint if you do not keep a tight rein on the spending (not just the reindeer). Whether you celebrate Christmas, Chanukah, or some other December holiday, the “season of giving” can be a huge budget buster. Everything is great until those credit card bills come in in January! 

That is why, in this episode of the podcast, as I did in Episode 45, I talk about some things you can do to be sure that you are celebrating the new year on a firm financial footing after having a wonderful holiday season.

Nov 16, 2018

According to CNBC’s reporting on a WalletHub study of taxes as a percentage of personal income New Jersey has the 9th highest tax burden in the country, with a total tax burden of 10.02%, with over half of it (5.12%) going to property taxes. New York has the highest tax burden of personal income overall (13.04%), but when it comes to property taxes, it is a lower 4.78% of income for residents. In fact, only Vermont edges out New Jersey in property tax burden at 5.2%, making our state the second highest in the country!

With this in mind, it is no wonder that New Jersey residents are looking to lower their tax burdens as much as they can (assuming they are not leaving the state altogether). That is why in this episode of the podcast, I talk to local real estate broker and appraiser Lynn Stambaugh of Cardinal Real Estate Services in Woodbury on how you can appeal your taxes and give yourself the highest chance for success!

Oct 26, 2018

Having a smart and affordable strategy for college financial aid is critical to starting off on the right financial foot upon graduation and the start of your life. Getting it wrong can mean living with crushing student loan debt. The first step in this process is the completion and submission to the U.S. Department of Education their Free Application for Federal Student Aid (or FAFSA) form.

 

This can be a daunting task for those doing it for the first time (or even those doing it again). So with the 2019-2020 form having just been released on October 1, I wanted to discuss, in this episode of the podcast, some guidance and tips on how to handle the submission of the form. Hopefully, this will assist you in eliminating mistakes and doing it right the first time!

 

In this episode I will discuss:

  • The myths about the form that lead to procrastination
  • Preparing to fill it out
  • Tips on filling out the form
  • Biggest mistakes to avoid
Oct 12, 2018

Increasing income is key to maintaining financial freedom. It not only allows you to pay living expenses that are increasing with inflation, but it also makes saving for retirement and special life events like vacations that much easier. But sometimes the only way to get a raise is to ask, which is never easy to do.

That’s why in this episode of the podcast I wanted to talk about some tips and strategies to help you be more effective in making the ask. What do you need to do to prepare and execute a plan to get a raise and be paid what you are worth?

Sep 28, 2018

People with bad credit, living paycheck to paycheck, often find themselves with few options when unexpected expenses crop up, or they have a drop in income due to a reduction of overtime or their work hours but not a reduction in their living expenses. As a result, they become desperate for a way to pay the bills, creating a recipe for desperation.

Three of the options they turn to are payday loans, car title loans, and pension loans. However, they have a tendency to make matters much worse, and as such, should be avoided at all costs. That is why in this episode of the podcast I wanted to talk about these loans, why they are the wrong solution, and why you should avoid them if at all possible.

Sep 14, 2018

Many of us get involved in activities outside our jobs. We volunteer for organizations like the Elks or the Masons, or we coach our child’s soccer or t-ball team. But did you know that being involved in those activities could possibly get you sued? Having to pay for a lawyer (and possibly damages, if you lose) can break you financially.

The good news is that a little due diligence, and the right insurance coverage, can work to protect you. That is why, in this episode of the podcast, I talk with local insurance broker Dave Strout of Cettei and Connell in Woodbury about what you need to do to get the right coverage to protect your financial freedom!

Aug 31, 2018

Older Americans heading into retirement often discover that they don’t have enough money set aside for living expenses. Or they may need to pay down debt because the large amount of equity in their home is preventing them from filing bankruptcy. They need the cash to pay the debt, but don’t have they money in their budget.

This is where a reverse mortgage may be the solution. They’re not for everyone, but in the right situation can be a lifesaver. That is why in this episode of the podcast, I wanted to talk about these loans, what they are, what they aren’t, the pros, and the cons. If it sounds like the right solution for your situation, you should talk to a financial professional about taking the next step.

If you or your spouse are age 62 or older, find out:

  • What a Reverse Mortgage is and What It Isn't
  • The Pros and Cons
  • How You Might Qualify for One
  • How Much You Can Borrow
  • If You Can Use One to Buy a House
  • When the Loan Falls Due, and
  • What Can Be Done When That Happens
Aug 17, 2018

One of the things that can happen that can threaten your financial freedom is if your identity is stolen. According to the company LifeLock, nearly 15 million consumers experienced identity theft in 2017, and early 60 million Americans have been affected overall. It can damage your credit status and cost you time and money to restore your good name.

That is why in this episode of the podcast I wanted to discuss what identity theft is, the different kinds, how to prevent it, and what to do if it happens to you!

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