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PFT #30 - Credit Unions Competitive Borrowing Rates - Make a Positive Impact on the Budget
Many people handle their money with major banks; however, credit unions can offer many advantages that banks do not.
David Mulonas
Jul 15, 20211 min read
18 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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#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
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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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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
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Loan-to-value (LTV)
Loan-to-value (LTV) is what lenders measure when a borrower buys or refinances a home. The higher the risk, the higher the interest rate.
David Mulonas
Apr 11, 20212 min read
16 views
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PFT #16 - Personal Finance Tip: Increase Savings in the Grocery Budget by Watching Unit Pricing
Saving money on familair products with a quality mindset is a winning formula to create disposable income to control debt and build savings.
David Mulonas
Mar 31, 20212 min read
16 views
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#45 - The 401(k) and the Roth 401(k) Review
The max contribution for the 401(k) and the Roth 401(k) is $19,500 yealry. If you're over 50, you can add $6,500 in catch up contributions.
David Mulonas
Feb 8, 20218 min read
50 views
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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.
David Mulonas
Jan 6, 20212 min read
12 views
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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
David Mulonas
Jan 4, 20216 min read
57 views
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