iPhone

CBS This Morning: Apple Anxiety

Apple stunned investors with a rare warning that revenue from its first quarter will not meet expectations. In part the company blames slower iPhone sales in China. CEO Tim Cook says a weaker Chinese economy and trade tensions with the U.S. are hurting Apple. What it means for the global economy. I discussed on CBS This Morning.

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Ep. 037 - MONEY’s 2017-18 Best Colleges For Your Money

It's September and by now, the kids are back to school. Not surprisingly, I used to love this time of year. What can I say...you guys know I'm a total geek. Whether you're sending your little ones off for the first time or your kid is entering the final chapter of high school, the most expensive part of their education is yet to come!

It’s September and by now, the kids are back to school. Not surprisingly, I used to love this time of year. What can I say...you guys know I’m a total geek.

Whether you’re sending your little ones off for the first time or your kid is entering the final chapter of high school, the most expensive part of their education is yet to come!

I know, I’m such a Debbie Downer. But the cost of college is no joke and if handled without forethought, it can wreak havoc on the financial lives of parents or saddle kids with boatloads of debt.

There are thousands of colleges out there. Public, private, in-state, out-of-state, off-campus, on-campus, this major, that major...it goes on and on. It can be extremely overwhelming.

So where does one turn for some help with the process? My favorite place to go is the annual Best Colleges For Your Money list from MONEY.

To help us break down the 2017 rankings, MONEY reporter Kaitlin Mulhere, joins us. Her beat is her education, so she is the ideal person to discuss the topic.

According to Kaitlin, MONEY uses three categories to compile the list:

  • Cost: This category takes into account the net price of a degree, student loan debt, student loan repayment and default risk, value-added student loan repayment measures and affordability for low-income students.
  • Education Quality: This includes the six-year graduation rate, value-added graduation rate, peer quality, instructor quality and financial troubles facing the school.
  • Alumni Success: Includes graduates’ earnings, earnings adjusted by majors, 10-year earnings, estimated market-value of alumni’s average job skills and value-added earnings.

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"Better Off" theme music is by Joel Goodman, www.joelgoodman.com.

Ep. 036 - Weapons of Math Destruction with Cathy O’Neil

This week on the Better Off podcast it's yet another example of my geekiness. I love math and statistics...but I am nothing compared to the brilliant Cathy O'Neil. I have been a fan girl of Cathy's since discovering her blog, mathbabe.org and then hearing her on the Slate Money podcast.

This week on the Better Off podcast it’s yet another example of my geekiness.

I love math and statistics...but I am nothing compared to the brilliant Cathy O’Neil. I have been a fan girl of Cathy’s since discovering her blog, mathbabe.org and then hearing her on the Slate Money podcast. Cathy, whose New York Times bestselling book Weapons of Math Destruction is now out in paperback, is the ultimate math geek, but more importantly, she is one of the most thoughtful intellectuals that I have encountered.

Cathy’s resume is impressive: a Ph.D. in math from Harvard, a postdoc at the MIT math department, a professor at Barnard College, where she published a number of research papers in arithmetic algebraic geometry and then a short-lived stint on Wall Street, before she launched her consulting firm, ORCAA.

When I heard Cathy explain complicated topics and then read the hardcover edition of the book last year, I knew we had to have her on the pod. It’s such a fascinating read about how big data increases inequality and threatens democracy. From how teachers are graded to how policing strategies are developed to credit scores and health insurance...it’s going to blow your mind when you hear how algorithms (mathematical models), dictate so much of our day-to-day lives.

But what happens when these models are out of whack...opaque, unregulated and incontestable? Unfortunately, the already unlucky and struggling among us, get the short end of the stick. What can individuals do about these unproven mathematical equations?

As you’ll hear Cathy explain, it starts by asking some basic questions. I hope you enjoy this interview as much as I did. It’s by far one of my favorites...so much so that there’s no call this week, just the interview.

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"Better Off" theme music is by Joel Goodman, www.joelgoodman.com.

Ep. 035 - Strategies for Achieving Peak Performance

I'm going to let you guys in on a little secret. I'm a total nerd when it comes to the brain and behavior. Why we choose to do the things we do or behave in certain ways has always fascinated me.

I’m going to let you guys in on a little secret.  I’m a total nerd when it comes to the brain and behavior. Why we choose to do the things we do or behave in certain ways has always fascinated me.  

So a few months ago when today’s guest, Friederike Fabritius, was in town from Germany, I jumped at the chance to interview her.  

Friederike is a leading expert in the field of Neuroleadership. In other words, she’s also a total nerd when it comes to the brain and behavior. In her recent book, The Leading Brain: Powerful Science-Based Strategies for Achieving Peak Performance, she presents simple yet powerful strategies for:

  • Achieving the highest performance
  • Sharpening focus
  • Learning and retaining information more efficiently
  • Improving complex decision-making
  • Cultivating trust and building strong teams

Throughout the book, Friederike focuses on using solid scientific findings to develop new methods and practices for leadership development.  

With Labor Day upon us and the final quarter of the year in sight, you may want to pick up this book for both you and your colleagues so you can all strive to perform at your maximum potential.  

“Better Off” is sponsored by Betterment.

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"Better Off" theme music is by Joel Goodman, www.joelgoodman.com.

Ep. 034 - Stacking Benjamins: Earn, Save, and Spend Money With a Plan

I've been in the podcasting world for a few years now and one thing I've discovered is that the podcasting world really is like a small fraternity/sorority where hosts form bonds and even appear on each other's shows. We're no different. And this week we're doing it again with Joe Saul-Sehy, host of the Stacking Benjamins podcast.

I’ve been in the podcasting world for a few years now and one thing I’ve discovered is that the podcasting world really is like a small fraternity/sorority where hosts form bonds and even appear on each other’s shows. We’re no different. And this week we’re doing it again with Joe Saul-Sehy, host of the Stacking Benjamins podcast.

I’ve been a guest on Joe’s pod so I figured it was time to return the favor. Just like me, Joe has a background in finance. He was a financial advisor for 16 years and represented American Express and Ameriprise in the media. He was also the “Money Man” at Detroit television WXYZ-TV.

Once he got the bug from listening to others, Joe decided he wanted to host his own podcast and now, just four short years later, it’s his full-time job.

  • What is it about Joe’s background and approach that has resonated with listeners?
  • Why don’t people want to talk about money?
  • What has Joe excited about where we are in the financial world?

Those questions and many others made for a very fun interview. You can find out more about Joe’s show on his Twitter page.

“Better Off” is sponsored by Betterment.

Have a finance related question? Email us here or call 855-411-JILL.

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"Better Off" theme music is by Joel Goodman, www.joelgoodman.com.

Ep. 033 - Why the Justice Department Fails to Prosecute Executives

It's hard to believe that we're coming up on the ninth anniversary of the financial crisis that contributed to the Great Recession. What's frustrating and mystifying is how many people, or lack thereof, actually faced the music for contributing to the debacle.

It’s hard to believe that we’re coming up on the ninth anniversary of the financial crisis that contributed to the Great Recession. What’s frustrating and mystifying is how many people, or lack thereof, actually faced the music for contributing to the debacle.

The anemic response from the Department of Justice sparked today’s guest, Pulitzer Prize winning journalist Jesse Eisinger, to write The Chickenshit Club: Why the Justice Department Fails to Prosecute Executives.

How can it be that no major bankers were charged or put in prison after the financial crisis of 2008?

The Chickenshit Club, an inside reference to those prosecutors who were too scared of failure and too daunted by legal impediments to execute the duties of their jobs, explains why. The pages span the last decade and a half of prosecutorial flops, corporate lobbying, trial losses and culture shifts that have stripped the government of the will and ability to prosecute top corporate executives.

But it wasn’t always this way. In the 1970s, it was commonplace that top corporate executives, not just seedy crooks and drug dealers, could commit crimes and actually be sent to prison.

What changed between then and now? Is it a problem that can be corrected? If so, how? The Chickenshit Club provides a clear, detailed explanation as to how our Justice Department has come to avoid, bungle, and mismanage the fight to bring white-collar criminals to justice.

“Better Off” is sponsored by Betterment.

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"Better Off" theme music is by Joel Goodman, www.joelgoodman.com.

Ep. 032 - How the Best Leaders Inspire People Every Day

What is life without inspiration? To me it sounds a bit boring. Of course inspiration can come from anywhere, but because we spend the bulk of our time in the workplace, it is a natural setting to seek it out. Conversely, if you're the boss, don't you want to be seen as somebody who inspires?

What is life without inspiration?  To me it sounds a bit boring. Of course inspiration can come from anywhere, but because we spend the bulk of our time in the workplace, it is a natural setting to seek it out. Conversely, if you’re the boss, don’t you want to be seen as somebody who inspires?

It’s easier said than done, but thanks to our guest this week, executive coach Kristi Hedges, there are everyday actions that any leader can take to be an inspiring and motivating force.

In her latest book, The Inspiration Code: How the Best Leaders Energize People Every Day, Kristi shows how to become a leader who builds commitment and fosters greatness in others.

Having spent years studying exactly what inspiring leaders do differently, Kristi likes to think of inspirational people as the four Ps:

  • PRESENT: investing their full attention and letting conversations flow
  • PERSONAL: speaking genuinely, listening generously, and acknowledging the potential of those around them
  • PASSIONATE: exhibiting sincere emotion and exuding energy attuned to the situation
  • PURPOSEFUL: helping others find meaning and see their place in the bigger picture

If you think your boss might be missing one of the Ps, maybe it’s time to pull him or her aside and have a friendly chat…

For more workplace and leadership tips, you can follow Kristi on Twitter.

“Better Off” is sponsored by Betterment.

Have a finance related question? Email us here or call 855-411-JILL.

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"Better Off" theme music is by Joel Goodman, www.joelgoodman.com.

Ep. 031 - Hot Housing: How to Buy and Sell

Prices are up, inventories are down which means the housing market is hot again. It's not like the crazy days of 2005, but conditions are a bit frenzied. To prepare for what is likely to be the biggest asset purchase or sale you'll make in life, we turn to Stephen Gasque, host of Real Estate Today, a weekly radio program presented by the National Association of Realtors.

Prices are up, inventories are down which means the housing market is hot again. It’s not like the crazy days of 2005, but conditions are a bit frenzied. To prepare for what is likely to be the biggest asset purchase or sale you’ll make in life, we turn to Stephen Gasque, host of Real Estate Today, a weekly radio program presented by the National Association of Realtors.

Whether you’re a first-time buyer or seller, Steven is full of tips to help you navigate the process.

One of the topics we spent some time on is the current inventory crisis and why it’s seemingly harder than ever for potential buyers to get the home they want. Why is the competition among buyers more intense than ever?

Some of the other topics we discussed:

  • What are the most common mistakes people make when buying or selling?
  • What’s the most important step for a potential buyer?
  • How to successfully invest in real estate as a rental property
  • The future of mortgage interest deductions
  • Renting versus buying

If you’re planning on going to an open house this weekend, give this one a listen for some tips that could increase your odds of landing the house before you walk through the front door.

“Better Off” is sponsored by Betterment.

Have a finance related question? Email us here or call 855-411-JILL.

We love feedback so please subscribe and leave us a rating or review in iTunes!

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"Better Off" theme music is by Joel Goodman, www.joelgoodman.com.

Ep. 030 - Pop Culture and Technology with Jeff Bakalar and Russ Frushtick

When it comes to money and personal finance, I like to think I know a thing or two. But when it comes to technology and gadgets, I turn to experts Jeff Bakalar and Russ Frushtick. Jeff and Russ host The 404 Show, a popular CNET podcast that focuses on pop-culture, tech, movies, comics, video games and more.

When it comes to money and personal finance, I like to think I know a thing or two. But when it comes to technology and gadgets, I turn to experts Jeff Bakalar and Russ Frushtick. Jeff and Russ host The 404 Show, a popular CNET podcast that focuses on pop-culture, tech, movies, comics, video games and more.

It’s a good arrangement: When Jeff and Russ have questions regarding their financial lives, they know who to call—and they really do, from time to time. When I need help purchasing a new phone or want to understand what lies ahead on the tech landscape, I return the favor.

The technology world changes so fast it’s almost impossible to keep up with it. Every month it seems, there’s some new announcement—a hot new app, a popular gadget, a hopeful tech IPO, a disruptive innovation—it’s never ending.

In this latest episode of “Better Off,” we touched on a variety of topics that we once thought we’d only see in a Hollywood movie:

  • Artificial intelligence (AI)
  • Virtual reality (VR)
  • Self-driving vehicles
  • UPS using drones to deliver packages

We also talked about current issues:

Uber versus the cab companies? Is the competition a good thing? Will it force the cab industry to reinvent itself?

Will buying an Amazon Echo cause me to become incredibly lazy? Call me old fashioned but I actually like turning on the lights myself.

I think I get points for being active on Twitter and Instagram…though I’m not sure you’ll see me wearing a virtual reality headset anytime soon.  That said, give this episode a listen, especially if you’re wondering if you really need to upgrade your phone every year or two.

“Better Off” is sponsored by Betterment.

Have a finance related question? Email us here or call 855-411-JILL.

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"Better Off" theme music is by Joel Goodman, www.joelgoodman.com.

Ep. 029 - The Secret History of the iPhone with Brian Merchant

On June 29th, 2007 Apple CEO Steve Jobs unveiled a new product, which he described as "a revolutionary mobile phone," and a "breakthrough Internet communications device." Indeed, the iPhone has changed our lives. We do EVERYTHING on our phones.

On June 29th, 2007 Apple CEO Steve Jobs unveiled a new product, which he described as “a revolutionary mobile phone,” and a “breakthrough Internet communications device.”

Indeed, the iPhone has changed our lives. We do EVERYTHING on our phones. We text, we surf the web, we bank, we book vacations, we get directions, we book cars, we play games, and we even make the occasional phone call.

In the process, Apple has become the most profitable public company in the world, with a market cap of about three quarters of a trillion dollars – that’s more than twice as much as Exxon Mobil and three times as much as General Electric. Over the past ten years, Apple’s business has grown by 10 times and its stock price has increased by nearly 720 percent, dwarfing the 134 percent rise in the NASDAQ Composite Index.

But just how close did we come to not having the iPhone? How did it actually happen? Our guest Brian Merchant, technology journalist and author of the new book, The One Device: The Secret History of the iPhone takes us back to the mid-2000’s to tell the iPhone origin story.

Brian reveals the inside story of the device, based on his exclusive interviews with the engineers, inventors and developers who guided every stage of the iPhone’s creation. He also discussed what life is like for the workers in China who assemble the phones. As you’ll hear, Brian doesn’t paint a very pretty picture.

If you’re a techie and live for the latest Apple rumors and news, definitely follow Brian on Twitter.

“Better Off” is sponsored by Betterment.

Have a finance related question? Email us here or call 855-411-JILL.

We love feedback so please subscribe and leave us a rating or review in iTunes!

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"Better Off" theme music is by Joel Goodman, www.joelgoodman.com.