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David Mulonas
Dec 15, 20211 min read
PFT #53: Personal Finance Tip: The Personal Finance Tips One-year Anniversary
This week’s topic celebrates our first 52 personal finance tips.
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David Mulonas
Nov 3, 20211 min read
PFT #47 - Personal Finance Tip: How to Benefit By Knowing Store Return Policies with Retailers
This week’s topic is about knowing store policies when returning expensive or custom made products with retailers.
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David Mulonas
Sep 29, 20211 min read
PFT #42 - Personal Finance Tip: The Hidden Advantage with Retail Credit Cards and Paying Them Off
Paying for purchases in full with retail credit cards be to your advantage especially for large in scale items.
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David Mulonas
Sep 8, 20211 min read
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
Sep 6, 20216 min read
#75 - Blaming Yourself About Budgeting Choices
Money is a mental that carries a lot of emotion. The high percentage of choices that you make in your life are centered on personal finance
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David Mulonas
Aug 26, 20211 min read
PFT #37 - Employers Offering a Student Loan Reimbursement Benefit
Switching jobs? Tuition reimbursement a new benefit to attract employees.
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David Mulonas
Aug 11, 20211 min read
PFT #35 - Three Travel Savings Tips Before and During Stay
Travel tips that can save you money during a trip and before you leave for your destination
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David Mulonas
Aug 7, 20215 min read
#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
Aug 2, 20214 min read
#70 - Who Should Pay for College: The Parent or the Kid?
The prospect of paying for college is daunting no matter who is footing the bill. Tuition and the cost for college defy low inflation
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David Mulonas
Jul 26, 20214 min read
#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 1, 20212 min read
PFT #28 - How to Save on Ticket Prices for Sports, Concerts and Entertainment
With the right approach you can save money on tickets to your favorite events.
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David Mulonas
Jun 1, 20214 min read
#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
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David Mulonas
May 28, 20212 min read
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
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David Mulonas
May 26, 20216 min read
#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 read
#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
May 10, 20215 min read
#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.
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David Mulonas
Apr 30, 20211 min read
Government Sponsored Entities (GSEs)
A government-sponsored enterprise's (GSE) function is to enhance the flow of credit to targeted sectors of the economy.
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David Mulonas
Apr 29, 20212 min read
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.
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David Mulonas
Apr 13, 20212 min read
What is an Emergency Fund
When it comes to financial planning one key component is to have an emergency fund. This differs from a rainy-day fund which is for...
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David Mulonas
Apr 11, 20212 min read
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.
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