PFT #59 - Personal Finance Tip of the Week: Student Loan Forgiveness and Moratorium
The federal student loan moratorium has been extended for the fourth time due to the Coronavirus pandemic and at the same time President...
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David Mulonas
Dec 22, 20211 min
PFT #55 - Personal Finance Tip Tracking Realized Capital Gains for the Calendar Year
As each year ends investors balance losses against gains to minimize taxes that are paid to the IRS each year.
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David Mulonas
Sep 22, 20211 min
PFT #41 -Personal Finance Tip: Reasons not to Buy a Cell Phone
Here is one simple thing that you can do to save money on your cell phone… don’t upgrade it.
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David Mulonas
Sep 8, 20211 min
PFT #39 - Personal Finance Tip: Debt-to-Income Ratio & The Risks of Getting a Loan Approved
DTI measures the amount of debt correlated to your overall income. This helps to determine if you can get a loan approval
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David Mulonas
Aug 8, 20214 min
#71 - Robinhood Update: The Lawsuit, Payment for Order Flow & the IPO
Update on the IPO, the Lawsuit and Payment for Flow (PFOF) and how it works.
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David Mulonas
Aug 7, 20215 min
#68 - The Midyear Financial Review
The midyear check up is to validate if goals are being met or there is a need to adjust them
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David Mulonas
Jul 26, 20214 min
#69 - Couples Unified Budget Review
Should couples have their own bank accounts? Should they have one budget or two?
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David Mulonas
Jul 20, 20214 min
#67 - How to Make $1 Million Dollars the Hard Way - Here's a Hint . . . Compound Interest
Making a $1 million dollars is not as hard as you think; it just takes time.
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David Mulonas
Jul 13, 20215 min
#66 – Peter Thiel’s $5 Billion Dollar Roth IRA – How He Did It and Was It Legal?
The practice known as stuffing allowed Peter Thiel to build a behemoth tax-free nest egg.
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David Mulonas
Jul 6, 20217 min
#65 - The Meme Stock Buyers are Back Trying to Screw the Short Sellers
What is short selling? When an investor borrows a security and sells it on the open market, planning to buy it back later for less money.
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David Mulonas
May 26, 20216 min
#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?
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David Mulonas
May 24, 20213 min
#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?
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David Mulonas
Apr 27, 20212 min
What Are Fractional Shares and Dividend Reinvestment Plans (DRIPs)
A fractional share is when there is less than a full share of stock owned. This happens with dividend reinvestments and stock splits.
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David Mulonas
Apr 26, 20215 min
#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.
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David Mulonas
Apr 5, 20219 min
#53 - Millennials and Their Money - We Debunk the Stereotypes and the Myths
We are going to talk about millennials, stereotypes and money. There are many myths and we'll discuss what the truth really is.
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David Mulonas
Mar 29, 20213 min
What Is a Nest Egg?
A nest egg is a sum of money and other assets that are saved or invested for the future that is typiclly tied to retirement planning.
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David Mulonas
Mar 7, 20216 min
#49 - I am Leaving My Job. Do I Need to Have an Employer-sponsored plan with my New Employer?
Social Security’s goal is to provide 40% replacement income and the individual’s goal is to reach 80% replacement income in retirement.
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David Mulonas
Feb 21, 20215 min
#47 - The 2020 Tax Review: Why You Don't Want a Tax Return & How The Money Improves the Budget
If your standard deduction is less than the total of your itemized deductions, then you should be able to save money.
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David Mulonas
Feb 18, 20212 min
PFT #10 - Personal Finance Tip: How Coffee Slowly Drips Away Your Monthly Budget
Just Imagine if you are a family of four that drinks coffee everyday; the amount of money that can be saved is staggering.
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David Mulonas
Feb 8, 20218 min
#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.
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