PFT #8 - Personal Finance Tip of the Week: Realized Capital Gains and Losses From Stock Ownership
For most assets the capital gain tax rates that are held for less than a year, are treated as ordinary income as if you earned a paycheck
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David Mulonas
- Jan 31, 2021
- 10 min
#44 - The GameStop Short Sell Where the Little Guy Beat Wall Street at Their Own Game
Shorting a stock whens shares are borrowed from a broker on margin and have to be be paid back with interest to the broker.
40 views0 comments
David Mulonas
- Jan 29, 2021
- 2 min
PFT #7 - Personal Finance Tip: Rule of 72 and Compound Interest a Retirement Nest Egg
In today’s world it is incumbent on you to build your retirement nest egg therefore, you can use the rule of 72 as a base calculation.
42 views0 comments
David Mulonas
- Jan 25, 2021
- 6 min
#43 - To Trust or Not to Trust: How to Protect Your Investments and Your Estate
Trusts supersede a will when there is discrepancy. Most attorneys recommend that you have a will and a trust for backup protection.
28 views0 comments
David Mulonas
- Jan 21, 2021
- 2 min
PFT #6 - Personal Finance Tip: Hand Washing Your Dishes Wastes Water; Let the Dishwasher Do the Work
The bottom line is that if you have an Energy Star rated dishwasher this means that you will be using ¼ less energy than washing by hand.
26 views0 comments
David Mulonas
- Jan 18, 2021
- 5 min
#42 - How to Get Employer Health Insurance When Having a Domestic Partner or a Civil Union
A domestic partnership is when two people live together and are involved in an interpersonal relationship living as if they're married.
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David Mulonas
- Jan 11, 2021
- 10 min
Podcast #41 - Are You Ready for a Big Move Into the Tiny House Movement?
A tiny house is defined as a dwelling unit with a maximum 400 square feet of floor area, excluding lofts.
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David Mulonas
- Jan 6, 2021
- 2 min
PFT #4 - Personal Finance Tip: What is Private Mortgage Insurance (PMI) and How to Get Rid of it
PMI occurs when you do not have at least 20% of equity or 80% loan-to-value when you purchase the home.
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David Mulonas
- Jan 4, 2021
- 6 min
Podcast #40 - Establishing Good Credit for Your Children and Some Important Reminders for Adults
How do we establish credit for your children? They cannot apply for a credit card legally until age 18; they may may have an authorized user
47 views0 comments
David Mulonas
- Dec 23, 2020
- 2 min
Personal Finance Tip #2 - Collect Holiday Gift Bags to Save Money and the Environment
Here's's a great way to save some money, and that is to save the boxes, bags and bows and so on, rather than throwing them away.
19 views0 comments
David Mulonas
- Nov 27, 2020
- 4 min
Podcast #4 - Spend More Money Now To Save Money Later
Budgeting sometimes gets a stigma meaning that you're cheap or frugal. You have to budget within the means of the money that you have.
14 views0 comments
David Mulonas
- Nov 15, 2020
- 16 min
Podcast #33 - How Long-Term Sustainable Products Reduce Your Budget While Helping the Environment
You can save money down the road by buying quality products, but the difference here is that you will also help the environment
24 views0 comments
David Mulonas
- Oct 26, 2020
- 7 min
Podcast #3 - 401(k) Withdrawals and Loans
When you take a 401(k) withdrawal, you'll face a 10% penalty if you're under the age of 59.5 years of age
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David Mulonas
- Oct 25, 2020
- 16 min
#30 - Are the Flames Burning Out on the F.I.R.E Movement? (Financial Independence Retire Early)
-What is the F.I.R.E movement? -What are the budgeting steps required to meet the personal finance goals? -Why the earnings and savings...
35 views0 comments
David Mulonas
- Apr 21, 2020
- 3 min
Podcast #3 - Credit Card Balance Transfers
I would recommend looking into balance transfers for as low as 0% interest typically for 18 to 24 months if you have a higher interest rate.
16 views0 comments
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