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PFT#26 - Listener Question: How Do We Trade Options and What Should Beginning Investors Know?
Options come with high risk and reward. It is important to understand how they work before entering into this type of stock trading
David Mulonas
Jun 15, 20212 min read
21 views
0 comments


#62 - Is it Better to Buy or Rent a Home? It Depends on Budgetary Discipline
Whether you choose to rent or buy your home, it is a major life decision that affects not only your lifestyle but also your financial health
David Mulonas
Jun 7, 20219 min read
34 views
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PFT #25 - Rolling In Closing Costs into a Home Purchase or Refinance
Rolling in closing costs into a mortgage avoids paying money upfront, but it is costly and signals a need to save more before buying a home
David Mulonas
Jun 3, 20212 min read
27 views
0 comments


#61 - The Current and Future State of the Student Loan Crisis
The Federal Reserve Bank of St. Louis, says student loan borrowers owe a collective $1.73 trillion in federal and private student loan debt
David Mulonas
Jun 1, 20214 min read
38 views
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PFT #24 - The Reason Alcohol at Bars and Restaurants are Expensive
Wine and alcohol are expensive when dining and it based on the ingredient cost and the mark up known as the pour cost
David Mulonas
May 28, 20212 min read
43 views
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#60A- What is Inflation and How Does it Effect the Economy and the Stock Market?
Inflation is on the rise in many financial sectors of the economy. What causes it and what is the best way to invest when prices increase?
David Mulonas
May 26, 20216 min read
30 views
0 comments


#60 - Listener Feedback: You Can't Retire on $1 Million Dollars and Have a 45-year Nest Egg
How much money do you need to to retire early and comfortably for a long period of time?
David Mulonas
May 24, 20213 min read
17 views
0 comments


#23 - Personal Finance Tip: Save Money on Gas With the GasBuddy App
Reduce your fuel cost by using the GasBuddy app. Compare prices by brand, location and price and use their rewards card to save more money.
David Mulonas
May 20, 20212 min read
25 views
0 comments


#59 - Is it Better to Lease or Buy a Car? Low Inventory Inflates Prices and Impacts the Budget
Leasing means you'll always have a monthly payment with new features. On the other hand, buying a car has will provide eventual ownership.
David Mulonas
May 16, 20215 min read
39 views
0 comments


PFT #22 - Personal Finance Tip: How to to Save Money on the Internet Bill
The personal finance tip of the week centers on saving money on your Internet bill in the budget.Â
David Mulonas
May 13, 20212 min read
14 views
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Who are Fannie Mae and Freddie Mac?
Fannie Mae and Freddie Mac are government sponsored enterprises (GSEs). They buy mortgages from lenders to free up capital for borrowers.
David Mulonas
May 12, 20212 min read
13 views
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#59 - Why the FIRE Movement Should Be Called FISH: Financial Independence Side Hustle
Change Financial Independence Retire Early to Financial Independence Side Hustle (FISH). Most people cannot retire without having a job.
David Mulonas
May 10, 20215 min read
35 views
0 comments


PFT #21: Personal Finance Tip: Shave Your Budget Down With the Razorpit Blade Cleaner
The Razorpit blade cleaner extends the life of razor blades by 6-15 times and it will save you money for years to come.
David Mulonas
May 7, 20212 min read
23 views
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#57 Life After College: I Need Job. I Need a Budget. Where Do I live? Help!
We are parents of kids that are now out of undergrad and facing real life. The kids need to find jobs, budget and figure out their lives.
David Mulonas
May 3, 20216 min read
44 views
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Government Sponsored Entities (GSEs)
A government-sponsored enterprise's (GSE) function is to enhance the flow of credit to targeted sectors of the economy.
David Mulonas
Apr 30, 20211 min read
12 views
0 comments


PFT #20 - Personal Finance Tip: When is the Right Time to Buy a House?
Low interest rates, lack of labor and supply are the right ingredients for an unprecedented housing market; perhaps a housing bubble.
David Mulonas
Apr 29, 20212 min read
12 views
0 comments


#56 - The Financial Crimes of Bernie Madoff and the Rise of Ponzi Schemes
Bernie Madoff was an American financial businessman who was responsible for the largest Ponzi scheme in history of $17.5 billion dollars.
David Mulonas
Apr 26, 20215 min read
12 views
0 comments


PFT #19 - Personal Finance Tip: How to Save on Your Gardening Budget
A great way to save money on flowers is to buy flats of flowers and make your own hanging baskets. This can save 50% on cost.
David Mulonas
Apr 22, 20212 min read
29 views
0 comments


Should You Make Biweekly Mortgage Payments?
Many mortgage companies have a biweekly payment plan to make 13 payments each year. This can you save thousands of dollars interest.
David Mulonas
Apr 16, 20212 min read
21 views
0 comments


PFT #18 - Creating Disposable Income in the Budget When You Buy a New Product
Successful personal finance managers have discipline and put in the work to buy quality productand create disposable income.
David Mulonas
Apr 14, 20212 min read
14 views
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