#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.
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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.
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David Mulonas
- Jan 15, 2021
- 2 min
PFT #5 - Personal Finance Tip: Prolong the Life of Your Candles and Help Your Budget
By our estimation, you can extend a candle’s life by approximately 25% - 50% more than what is stated on the jar.
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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 1, 2021
- 2 min
PFT #3 - Personal Finance Tip: FSA Funds - Use Them or Lose Them
If you don’t spend your FSA money by January 1st your account value will go to zero dollars. So stock up on supplies to use that money
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David Mulonas
- Dec 31, 2020
- 5 min
Podcast #39 - Deferred 0% Interest Rate Credit Cards and How They Impact Your Budget
Rule #1: as long as you pay the credit card with regular installments before the 24 months expire you will accumulate no interest.
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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.
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David Mulonas
- Dec 18, 2020
- 2 min
Personal Finance Tip #1 - The Hidden Cost of Eating Out For Lunch on the Budget
Eating out for lunch is often one of the most hidden expenses in the budget each year; not to mention that 40% of food is wasted.
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David Mulonas
- Nov 30, 2020
- 9 min
Podcast #35 - How Does Pet Insurance Work and How to Factor it Into Your Budget
Pet insurance cost depends on factors such as your pets age, size, and breed as well as any preexisting conditions.
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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.
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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
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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...
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David Mulonas
- Sep 15, 2020
- 5 min
#24 - What is Debt-to-income Ratio and to Use it When Purchasing or Refinancing a New Home
DTI is used as a measure for loan approval. We'll this explain simple calculation to be prepared when applying for a mortgage or refinance.
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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.
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