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Two Guys and Your Money #12: Top 5 Ways to Increase Your Cash Flow, Real Risk in the Market, Preparing for Baby & Nerdwallet Reality Show Update

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Never listened to a podcast before? Either listen by hitting the speaker above OR subscribe through iTunes. Here’s a great link on what podcasts are all about.

Do you prefer to listen on your smartphone? Some listeners plug in their smartphone to their car aux and listen through their speakers. If so, add the Stitcher app to either your Droid or iPhone.


How’s that for a long title? …AND we couldn’t pack in all the goodness we discuss on this week’s show.

Special thanks to Dave Hilton of Financial Conflict Coach and Debt Black Hole fame for all the new announcer drops.

Also special thanks to MMD from My Money Design, who gives us new bumper music between our segments!

Both of these guys show how multi-talented they are by running quality financial sites AND showing off other talents here.

AND NOW…Your SHOW NOTES!

 

Thanks to our sponsor ING – open an ING account and receive a $50 bonus.

<> Open – Recent real estate numbers…time to buy?

<9:46> PK from DQYDJ.NET – What risk is greater than the stock market?

The article PK discusses in this piece can be found here: Get Over Your Irrational Fear of Risk

<12:20> Let’s give something away.

For the month of October we’re giving away The E-Myth Revisited by Michael Gerber.

YOU DON’T HAVE TO LISTEN TO THE SHOW TO ENTER!

Click here for the contest page to enter our October giveaway.

<19:26> Roundtable: Prepping for baby. When’s the right time to have a child? What should you do to prepare?

The Parent Rap Video

Thanks to Sandy from Yes, I Am Cheap for joining us this week!

Here’s the link to Sandy’s article about having children: Don’t Have Kids If You Can’t Afford Them

<41:27> Top 5 Ways to Increase Your Cash Flow

<> End Show

OG – Wilfred: The Complete First Season’>Wilfred TV Show

Joe – Ruby Sparks’>Ruby Sparks

<> NerdWallet Interview: So You Think You Can Finance Update

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2 Guys and Your Money, Episode 11: Why Aren’t We Saving More? Luke Landes interview, BillGuard, PlanWise Gets an Update

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Never listened to a podcast before? Either listen by hitting the speaker above OR subscribe through iTunes. Here’s a great link on what podcasts are all about.

Do you prefer to listen on your smartphone? Some listeners plug in their smartphone to their car aux and listen through their speakers. If so, add the Stitcher app to either your Droid or iPhone.

We interview Luke Landes of Consumerism Commentary fame about why he started blogging about money and about his favorite Consumerism Commentary episodes. You’re going to love the stories he shares.

Congratulations to Len Penzo on his Plutus Award! We can’t forget a big shout out to Carrie Smith on becoming the new social media maven for Payoff.com, either. Our roundtable team (including Len and Carrie) are certainly busy these days. They’re back “on air” and fired up about saving. Why are we saving so little money? We review some Fidelity statistics that don’t appear very good on the surface.

We catch up with Vincent Turner who has PlanWise updates on our site. He’ll tell you why the PlanWise tool is going from a valuable tool to an indespensable one.

Mary Anne Keegan from BillGuard tells us about a cool new FREE tool that people can use to stop those annoying credit card recurring charges that you can’t seem to get rid of (like old gym memberships or magazine subscriptions).

Click here for more on our Roundtable gang and other show contributors.

Two Guys & Your Money #10–Financial Blogger Conference Part 1: Adam Baker Film, College Planning Game and New Financial Podcasts

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Never listened to a podcast before? Either listen by hitting the speaker above OR subscribe through iTunes. Here’s a great link on what podcasts are all about.

Do you prefer to listen on your smartphone? Some listeners plug in their smartphone to their car aux and listen through their speakers. If so, add the Stitcher app to either your Droid or iPhone.

Now that we have electricity, let’s get you a show:

Show Notes: (more detailed notes will follow. Stop back periodically for updates)

<> JD Roth

<> Open

<> Michelle from SeeDebtRun

<> Phillip Taylor from PT Money, Conference Organizer

<> Eric Rosenberg from NarrowBridge Finance

<> Adam Baker from Man vs. Debt discusses his new film: I’m Fine, Thanks

<> Let’s Give Something Away – email joe (at) the free financial advisor (dot) com to win a copy of the board game Settlers of Catan

<> Kraig Mathais from Young Cheap Living

<> Stuart Ritter from T.Rowe Price: The Great Piggybank Adventure

<> J Money from Budgets Are Sexy

<> Shannyn Allan talks about the FrugalPreneur Podcast (iTunes link here)

<> Sean Bryant from One Smart Dollar

<> LaTisha Styles & Paula Pant from the Wealth Fast Podcast (iTunes link here)

<> End show: OG saw Invictus, Joe saw Premium Rush, discuss the Smurfs Movie

2 Guys & Your Money Episode 9: NerdWallet, Buying a House, Insurance Costs & Combining Family Finances

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Never listened to a podcast before? You can tap the button above to enjoy the show on your computer, use iTunes to subscribe for free (new shows will load automatically!), or listen through Stitcher.

For information on how to subscribe through iTunes.

For information on how to listen through Stitcher.

 

Holy Ton of Topics, Batman!

On this special Labor Day edition of the podcast, we introduce a new reality show coming via NerdWallet, Kathleen from Frugal Portland joins the roundtable team for a rousing discussion of couple’s finances, and PK tells you why your insurance premiums are high (and of course, draws the correlation to “too big to fail”…always the overachiever).

 

Show Notes

<Open> Hello, Stitcher listeners!

Details on listening to the show through Stitcher: www.stitcher.com

Thanks to ING Direct for the show sponsorship. $50 off to open an account, details here.

Home Ownership: Is now the time? Here’s the FRED chart that spurred this discussion.

<> PK’s Fractional Sense: Insurance premiums & Too Big To Fail

<> Let’s Give Something Away. Congrats to our winner, John @ Married (With Debt).

To enter the September drawing for a copy of the board game The Settlers of Catan;, guess the voice in the show and send your answer to joe (at) the free financial advisor (dot) com. We’ll choose from the correct answers one winner on the last day of September.

Will Weaton’s TableTop show episode featuring Settlers of Catan:

 

<> Roundtable: Thanks to Kathleen from FrugalPortland for joining us this week.

Our topic: Married couples: should they combine finances?

The ClubThrifty Posts that spurred this discussion: Greg’s Article & Holly’s Article.

<> Interview withAmelia Granger: Nerdwallet.

<> End Show: Joe saw The Campaign (wait for DVD), watching on Netflix:Louie: Season One; w/ comedian Louis C.K. (likes a lot, but you have to be comfortable w/ rated R situations and humor)

 

And then, a link you may-or-my-not need for this show: Sri Lanka referenced article in the-segment-that-shall-not-be-named

 

For more information on our weekly contributors: PK, Carrie Smith, Dominique Brown, Len Penzo and Dr. Dean, here’s their bio page.

Would you like to be on the show? Have a topic for the show? Like to advertise on the show? Write to Joe (at) thefreefinancialadvisor.com.

Speaking of advertisers, if you’d like to take advantage of the ING $50 sign up bonus, visit www.thefreefinancialadvisor.com/ING50.

Enjoy the show!

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2 Guys and Your Money Episode #8: Top 5 Ways to Save For College

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We joke in this episode that when either OG or I have given college planning seminars at preschools, nobody shows up. But guess how many come when we speak at a high school to parents of juniors and seniors? Usually we’d have around 150 – 250 people. Packed house.

Let’s review: nobody comes when it was be easier to plan for college. Everyone shows up when you have few choices.

This week, we help you avoid the last minute “financial planner-at-high school seminar” with our favorite ways to save for junior’s education. On second thought, why stop at junior? How about YOUR education?

Dr. Dean leads the roundtable this week through a cool discussion of how different health insurances work. You’ll love the 101 style of this talk. If you don’t know the difference between an HMO, PPO and deductible, you’re in luck.

PK brings it this week with his second discussion on innumeracy…you’ve heard of not being able to read before (illiteracy). He’s back with a vengence on people not being able to do math.

Finally, we’re high fiving Dave Ramsey this week, as well as giving you one last chance to “guess the voice” and enter our drawing for Ramsey’s Total Money Makeover.

Enjoy the show!

 

Show Notes

<open> The snowball method…

<> PK’s Fractional Sense: Innumeracy

<> Let’s Give Something Away: Dave Ramsey’s Total Money Makeover

<> Roundtable: Health Insurance Options

<> Top 5 Ways to Save For College

<> End Show

2 Guys & Your Money Episode #007: Jeff Rose Interview – The Life Insurance Movement

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Nearly as suave as some other 007 you may know, this episode features the one, the only: Jeff Rose from GoodFinancialCents.com. He’s leading the tsunami of financial posts coming your way Wednesday, as the Life Insurance Movement roars across the blogosphere. Jeff talks about the movement, why life insurance, and common misconceptions, tricks and tips around life insurance policies.

OG & Average Joe discuss Roshawn Watson’s post on poverty at RoshawnWatson.com. What does it mean to be poor in America?

PK from DQYDJ.NET wonders if people with more money have more leisure. You might be surprised by his findings.

We give away Dave Ramsey’s book the Total Money Makeover by answering a simple audio quiz. Who is the person in the audio segment (hint: it’s a current or former person on the show).

And, of course, we can’t forget the roundtable team of Len Penzo, Dominique Brown and Carrie Smith who answer the questions: 1) What is your idea of a good coach (financial or otherwise); and 2) What’s going on in your financial life right now? We’ll talk planning, money surprises and refinancing during this segment.

Find more information about our contributors here: Our Podcast Team

Thanks for listening, everyone!

Show Notes:

<> Open: Poverty in America, a discussion of Roshawn Watson’s Do Americans Know What Poverty Is?

<9:25> Fractional Cents w/ PK from DQYDJ.NET: The Cost of Leisure

<13:02> Let’s Give Something Away: Dave Ramsey’s classic book: The Total Money Makeover. Guess the name of the person in our soundclip. Send your answer to joe@thefreefinancialadvisor.com. One correct winner will win the book!

<18:53> Roundtable with Carrie Smith (CarefulCents.com), Dominique Brown (YourFinancesSimplified.com) and Len Penzo (Len Penzo dot Com).

Topic #1: Let’s talk financial coaches. What are the characteristics of a good coach. Are you a good coach?

Topic #2: What’s going on in your personal financial house?

<37:28> Jeff Rose from GoodFinancialCents.com interview: Life Insurance Movement

<50:10> End of Show. Movies!

OG: Caddyshack (again) (Thumb up)

Joe: Hope Springs (Thumb up), The Red Violin on Netflix (Thumb Way Up), headed to see Bourne Legacy tonight.

 

 

 

 

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2 Guys & Your Money Episode #6: Top 5 Investment for New Investors

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Just when you thought the show couldn’t get any better, we bring you another awesome episode!

Barbara Friedberg joins our normal roundtable of Carrie Smith and Dominique Brown for “case analysis” on a hypothetical couple with student loans, children and credit card debt.

PK from DQYDJ.NET discusses the Monty Hall problem, and how you can apply it to your life and decision making.

Finally, OG & I top off the program with a look at our Top 5 Investment Options for New Investors. I think you’ll be surprised by our discussion!

<> Open, Welcome back to OG.

<>

<> On the Blog: Emergency Funds, do you need one?

<> PK from DQYDJ.NET: The Money Haul Problem

<> Let’s Give Something Away! Congrats to Lance at MoneyLifeAndMore.com, who won our free copy of Keith Ferrazzi’s Never Eat Alone!

<> Roundtable, Featuring Barbara Friedberg of Barbara Friedberg Personal Finance

The situation:

Mickey & Minnie
Ages – 32 and 28. Mickey makes 45k and Minnie makes 30k. Both are teachers.
They both have 403b retirement plans available.
They have 25k in student loans at an 8% interest rate. They break down this way:
Mickey:
8k loan, $110 per month
$500 loan, $20 per month
Minnie
$10k loan, $140 per month
$200 loan, $40 per month
$6,300 loan, $185 per month
Total monthly debt service: $495/month
They also have $8k in credit card debt:
Victoria Secret – $3k at 22.5%
Visa (get airline miles) – $5k at 18.5%
They have children, ages 3 and 6. The 3 year old is in daycare. They pay $500 per week in daycare expense.
They both have Universal Life insurance policies through a big name company. They pay $300 per month into these plans.
They have 2x salary through the school system in term insurance.
They have disability coverage, but aren’t sure how much.
They have car insurance through a big firm and homeowners through another big firm.
They have Roth IRAs with $3,000 in them. Mickey has three stocks: GE, Disney and Ford. Minnie has the Growth Fund of America through American Funds.
They have $15k in their 403b plans. Mickey has his in the interest income fund. He’s worried about the upcoming fiscal cliff. Minnie has hers in the Vanguard Asset Allocation fund based on her age.
There is no savings for college.
They own will planning software, but have no wills.

<> Top 5 Investment Types for New Investors

(I’m on the road Monday from Michigan, so more detailed show notes will follow on Tuesday)

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2 Guys & Your Money Episode #5: Top 5 Financial Rip Offs

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What a week! The FAR MORE FAMOUS podcaster Steve Stewart from MoneyPlanSOS fame co-hosts the show while OG is sitting somewhere with his feet up and a drink with an umbrella in his hand…not that I’m jealous or anything.

PK is back with another enlightening Fractional Cents, talking the highbrow discussion of Traditional vs. Roth IRA. On most days you’ll find PK posting at DQYDJ.net.

Jana from DailyMoneyShot.net joins the fun as the roundtable tackles retailers who charge more when people use credit cards, readers who are intimidated by blogs, the best money-saving things they do that make them proud, marketers following consumers eyeballs AND a recent study that suggests children’s income is largely predetermined by the amount their parents make.

Finally, Steve & I bestow upon you our Top 5 Financial Rip Offs. Steve’s #1 is a doozy if you’re a long time listener of the show….

OH YEAH….I ALMOST FORGOT: You can TOTALLY win the BEST book on networking of ALL TIME by Keith Ferrazzi (Never Eat Alone) if you listen to the podcast and shoot me a quick email. Listen for details.

Can you believe the value here? All this AND MORE for the low price of FREE.

I’m driving across country today. More detailed show notes when I return to Texas!

Lest I forget. Here’s Bob & Doug McKenzie on The Great White North segment of SCTV:

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2 Guys & Your Money Episode #4: 365 Ways to Make Money & From Blog To Book with Kylie Ofiu

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Blogger and author Kylie Ofiu (of KylieOfiu.com fame) joins the show this week to give us some of her 365 Ways to Make Money.

Interested in becoming a blogger or author? Kylie goes on to explain how to turn your blog posts into a sellable product. Imagine…your own book!

PK from DQYDJ.net tells us which is the worst tax of all (queue the scary background music….).

Meanwhile….OG & I discuss recent comments by Ben Bernake (are interest rates going to fall? rise? stay even?) and the PF Olympics.

Detailed show notes to come soom!

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Two Guys & Your Money Episode #3: Top 5 Tips For Buying Insurance

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Just when you thought your Monday couldn’t get better, we release Episode #3 of the world’s most relaxed financial podcast.

Paula Pant from Afford Anything joins the roundtable this week to talk about financial harmony.

PK from DQYDJ.net is all about Monopsony this week. I didn’t know what the word meant either until I heard his segment.

Finally, OG & Average Joe gift you with their top 5 tips to save money when buying insurance.

 

Show Notes

<>Open

<>San Diego Fireworks

<> On the Blog: Earnings Season

<> Fractional Sense: Monopsony

<9:00> Giveaway! Win – Never Eat Alone by Keith Farazzi

<> Roundtable – F Harmony

Thanks to:

Dr. Dean from the Millionaire Nurse Blog

Dominique Brown from Your Finances Simplified

Carrie Smith from Careful Cents

and our Special Guest: Paula Pant from Afford Anything

<> Top 5 Tips For Buying Insurance

<> End: Lincoln Lawyer, My Week With Marilyn, Albert Knobbs, Wicked