Radio Show

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#336 Money, Pop Culture and Technology with the 404 Guys

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Yes, this is still here, and it will be for a while longer to serve as a reminder that there's a new place for Jill on Money content - YouTube!  Seems like a no-brainer, but sometimes it takes a little outside help (h/t to JOM friend, Joe A!) to recognize the obvious.  So don't freak out.  Going forward, we're going to put all our radio and podcast content on YouTube! It'll be easier for you to navigate and listen to past shows, because everything will be in one place.  Just click any of the links below and you'll be able to listen to this week's show as well as anything else you see that might interest you, including all the Better Off podcast content if you haven't been listening. Let us know what you think by emailing us at askjill@jillonmoney.com.

CLICK HERE FOR LATEST SHOW ON YOUTUBE

Aug 12 Download Hour One Here

We started the show with Kevin from California, who wants to know what he and his wife should do with money that they were recently gifted. We kept the action in California with Allison, who wanted to know if she made a mistake by retiring early. We finished up with Dwayne, who had a mortgage question.

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Aug 12 Download Hour Two Here

Hour two saw the return of Aunt Jill or #AuntJill to those in the know!  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, the longest running podcast on CNET 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 week, there’s some new announcement—a hot app, a hopeful tech IPO, a disruptive innovation—it’s never ending. 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 hour a listen, especially if you’re wondering if you really need to upgrade your phone every year or two.

Thanks to everyone who participated this week, especially Mark, the Best Producer/Music Curator in the World. Here's how to contact us:

  • Call 855-411-JILL and we'll schedule time to get you on the show LIVE 
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#335 Real Planning for Real Life with Neal Van Zutphen

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Yes, this is still here, and it will be for a while longer to serve as a reminder that there's a new place for Jill on Money content - YouTube!  Seems like a no-brainer, but sometimes it takes a little outside help (h/t to JOM friend, Joe A!) to recognize the obvious.  So don't freak out.  Going forward, we're going to put all our radio and podcast content on YouTube! It'll be easier for you to navigate and listen to past shows, because everything will be in one place.  Just click any of the links below and you'll be able to listen to this week's show as well as anything else you see that might interest you, including all the Better Off podcast content if you haven't been listening. Let us know what you think by emailing us at askjill@jillonmoney.com.

CLICK HERE FOR LATEST SHOW ON YOUTUBE

Aug 5 Download Hour One Here

Hour one was full of great calls and emails. We started the action with John from Houston, who wants to protect himself from taxes come retirement time. Next up was Barry from Pennsylvania, who is preparing for early retirement and wanted to run his numbers by us to see if it's doable. The final call of the hour was from Ashley, who is searching for the best way to attack 300k in student loans.  I can still see Mark shaking his head over this call...

CLICK HERE FOR LATEST SHOW ON YOUTUBE

Aug 5 Download Hour Two Here

Hour two was another assist to my gig as the Senior CFP Board Ambassador. One of the great things about my role with the board is that I get to interview these amazing CFPs from all over the country. Today it's Neal Van Zutphen, owner and President of Intrinsic Wealth Counsel in Tempe, Arizona.

Neal and his team have created an independent, fee-only life planning and wealth counsel firm, integrating your money and your life by providing personal life planning services with an attitude of gratitude.

When it comes to planning, Neal believes that intrinsic motivations are a far more powerful force for life goal achievement than extrinsic motivations. That's why the firm specifically chose "counsel" over "management," because they believe that there are few, if any, that enjoy being “managed". Instead believing that most recognize the need and benefits of seeking counsel from a trusted advisor or friend.

Thanks to everyone who participated this week, especially Mark, the Best Producer/Music Curator in the World. Here's how to contact us:

  • Call 855-411-JILL and we'll schedule time to get you on the show LIVE 
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#334 How to Buy a Car with Consumer Reports Auto Specialist Mike Quincy

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Yes, this is still here, and it will be for a while longer to serve as a reminder that there's a new place for Jill on Money content - YouTube!  Seems like a no-brainer, but sometimes it takes a little outside help (h/t to JOM friend, Joe A!) to recognize the obvious.  So don't freak out.  Going forward, we're going to put all our radio and podcast content on YouTube! It'll be easier for you to navigate and listen to past shows, because everything will be in one place.  Just click any of the links below and you'll be able to listen to this week's show as well as anything else you see that might interest you, including all the Better Off podcast content if you haven't been listening. Let us know what you think by emailing us at askjill@jillonmoney.com.

CLICK HERE FOR LATEST SHOW ON YOUTUBE

July 29 Download Hour One Here

We started the show with Sean from New Hampshire who wanted to know the pros and cons of having his parents cosign on student loans.  Even though the loan would only be for a few thousand dollars, you have to know the risks both parties are taking when making such a decision. After Sean the email inbox purge continued...we're making progress but still have a ways to go...please be patient!

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July 29 Download Hour Two Here

If you live in a big city, it can be easy to forget what it’s like to depend on a car. Urbanites tend to walk, take the subway or bus, ride a bicycle, or hop in a cab to get virtually everywhere.

But I grew up in the suburbs and know the vast majority of you listening to this podcast have a deep, personal relationship with your car. After all, next to your home, your car is one of the biggest assets you’ll purchase in life, which is why you are likely to have a ton of questions that need to be answered.

Where does one turn to learn the best car buying tips? Maybe you have used the Consumer Reports Annual Auto Issue, but on this show, we go one better...we have Mike Quincy, Automotive Specialist at Consumer Reports, one of the pros behind all things car-related at the magazine.

Mike may have the coolest job in the world. He gets to race, I mean drive, nearly every car imaginable around a test track and then write the reviews you read -- it is the ultimate dream job for a total car geek. With almost 30 years behind the wheel, Mike has the answers to the most-frequently asked car questions:

-Buy or lease? -Sedan or SUV? -Which model has the best crash test ratings? -Do I need to buy the extended warranty? -Which manufacturers should I avoid?

We also discussed which cars are safest for young adults, the reliability of high end cars like Mercedes and BMW, what the future holds for Tesla and the current state of the legacy automakers here in the U.S.

So as you hit the road this summer and fantasize about a new set of wheels, this episode is a must-listen before you walk into that dealership.

Thanks to everyone who participated this week, especially Mark, the Best Producer/Music Curator in the World. Here's how to contact us:

  • Call 855-411-JILL and we'll schedule time to get you on the show LIVE 
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#333 Summer Travel Tips with Peter Greenberg

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Yes, this is still here, and it will be for a while longer to serve as a reminder that there's a new place for Jill on Money content - YouTube!  Seems like a no-brainer, but sometimes it takes a little outside help (h/t to JOM friend, Joe A!) to recognize the obvious.  So don't freak out.  Going forward, we're going to put all our radio and podcast content on YouTube! It'll be easier for you to navigate and listen to past shows, because everything will be in one place.  Just click any of the links below and you'll be able to listen to this week's show as well as anything else you see that might interest you, including all the Better Off podcast content if you haven't been listening. Let us know what you think by emailing us at askjill@jillonmoney.com.

CLICK HERE FOR LATEST SHOW ON YOUTUBE

July 22 Download Hour One Here

We started the show with Scott from San Francisco who asked about Social Security and withdrawal strategies for his IRA.  Some basic questions that turned into a very interesting conversation, so we kept him around for a couple segments.

After Scott we continued to purge the email inbox...we're making progress but still have a ways to go...please be patient!

CLICK HERE FOR LATEST SHOW ON YOUTUBE

July 22 Download Hour Two Here

Summertime is officially upon us which means millions of Americans will be hitting the roads and taking to the skies to enjoy their summer vacations. Whether you like long walks on the beachbeach, blaze a trail off the beaten path or explore one of the major tourist destinations, there’s a smart way to do it.  That’s where Peter Greenberg, our guest this week in hour two, enters the picture.

Peter, the Travel Editor for CBS News, has tips and suggestions to help you get the most bang for your buck as you plan and book your trip.

Where to go? Where not to go? Drive, train or fly? From South Africa to Chile to Tokyo and Thailand, as well as hidden gems here in the States, we circle the globe with Peter and provide you with useful tips to easily reach your destination, with a few bucks left in your pocket.

This one may be hard to believe, but despite all the travel related websites out there, Peter insists that even in 2017, the best thing to do is to pick up the phone and have an actual conversation with the airline or hotel.  But it’s not just a conversation for the sake of having one.  There’s a way to do it and certain questions to ask.  It’s a process.  So much so, that we did a little role playing to help guide you guys through it!

Thanks to everyone who participated this week, especially Mark, the Best Producer/Music Curator in the World. Here's how to contact us:

  • Call 855-411-JILL and we'll schedule time to get you on the show LIVE 
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#332 Making Your Money Last with Larry Stein

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Yes, this is still here, and it will be for a while longer to serve as a reminder that there's a new place for Jill on Money content - YouTube!  Seems like a no-brainer, but sometimes it takes a little outside help (h/t to JOM friend, Joe A!) to recognize the obvious.  So don't freak out.  Going forward, we're going to put all our radio and podcast content on YouTube! It'll be easier for you to navigate and listen to past shows, because everything will be in one place.  Just click any of the links below and you'll be able to listen to this week's show as well as anything else you see that might interest you, including all the Better Off podcast content if you haven't been listening. Let us know what you think by emailing us at askjill@jillonmoney.com.

CLICK HERE FOR LATEST SHOW ON YOUTUBE

July 15 Download Hour One Here

This weekend we started the show with a unique question from Albert in Connecticut, whose home is considered within the FEMA flood zone. Because of that designation, Albert's mortgage company requires him to carry flood insurance.  Not happy about paying $2,3o0/year for the coverage, should he pay off his mortgage and get rid of the insurance? This was a first for us on the Jill on Money show.

After Albert we spent the rest of the hour clearing out the inbox...and we barely made a dent, so expect to hear more email segments in the weeks to come.

CLICK HERE FOR LATEST SHOW ON YOUTUBE

July 15 Download Hour Two Here

In hour two I tapped into my vast pool of resources now that I'm Senior Ambassador for the CFP Board.  As you'll hear in the coming weeks, I love talking to fellow CFPs and getting their take on the state of the industry, finding out what has them jazzed and what they think the future holds for the financial services industry.

This week we're talking to CFP Board Ambassador Larry Stein. Larry is the CEO and Chief Investment Officer at Disciplined Investment Management in Illinois and he is passionate about helping retirees, pre-retirees, divorcees and widows making their money last.

As Larry sees it, it's a seven step process:

  • Plan Your Retirement
  • Create a Financial Plan
  • Determine Your Portfolio Asset Location
  • Invest with a Low-Cost Investment Strategy
  • Manage Long-Term Portfolio Risk
  • Calculate Your Portfolio Withdrawals
  • Monitor, Revisit and Update

We'll also talk to Larry about why he felt it was important to have a group dedicated to working with women who are either divorced, have lost their spouse or are professionals planning for retirement.

Thanks to everyone who participated this week, especially Mark, the Best Producer/Music Curator in the World. Here's how to contact us:

  • Call 855-411-JILL and we'll schedule time to get you on the show LIVE 
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#331 Reverse Mortgage Pros and Cons

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Yes, this is still here, and it will be for a while longer to serve as a reminder that there's a new place for Jill on Money content - YouTube!  Seems like a no-brainer, but sometimes it takes a little outside help (h/t to JOM friend, Joe A!) to recognize the obvious.  So don't freak out.  Going forward, we're going to put all our radio and podcast content on YouTube! It'll be easier for you to navigate and listen to past shows, because everything will be in one place.  Just click any of the links below and you'll be able to listen to this week's show as well as anything else you see that might interest you, including all the Better Off podcast content if you haven't been listening. Let us know what you think by emailing us at askjill@jillonmoney.com.

CLICK HERE FOR LATEST SHOW ON YOUTUBE

July 8 Download Hour One Here

After a weekend off to celebrate Independence Day, we're back in the saddle! We started the show with Diana in Washington who had some not so easy to answer questions about an old insurance policy she's still hanging onto.

Next up was Steve from North Carolina who wanted to chat about the pros and cons of annuities, perhaps the trickiest of insurance products.  According to Steve, the biggest con may be the person who sold it to you...definitely one of my favorite lines in the history of the show!

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July 8 Download Hour Two Here

In hour two we dove into the world of reverse mortgages with Sandy Jolley.  Don't let the last name fool you. While Sandy is lovely, she's not so jolly when it comes to the home equity loan for older homeowners.  She even named her website Elder Financial Terrorism.com.  This woman means business.  

Sandy's passion about the subject started when were her parents were sold a reverse mortgage they didn't need. At the time, her father was in the last month of his life with terminal cancer and taking narcotics to manage his pain, while her mother had Alzheimer's Disease and was unable to complete a sentence.

I don't want to give away the whole story, but just know that during the entire process, Sandy's parents were never told to speak with their financial advisor nor were the advised to seek the counsel of an attorney about the consequences of a reverse mortgage to their lives.

It's an incredibly tragic story, but the experience prompted Sandy to dedicate her life to making sure others don't have to endure similar situations.

Thanks to everyone who participated this week, especially Mark, the Best Producer/Music Curator in the World. Here's how to contact us:

  • Call 855-411-JILL and we'll schedule time to get you on the show LIVE 
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#330 Your Independence Day Finance Questions

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We're keeping this blurb here for a while as a reminder that there's a new place for Jill on Money content - YouTube!  Seems like a no-brainer, but sometimes it takes a little outside help (h/t to JOM friend, Joe A!) to recognize the obvious.  So don't freak out.  Going forward, we're going to put all our radio and podcast content on YouTube! It'll be easier for you to navigate and listen to past shows, because everything will be in one place.  Just click any of the links below and you'll be able to listen to this week's show as well as anything else you see that might interest you, including all the Better Off podcast content if you haven't been listening. Let us know what you think by emailing us at askjill@jillonmoney.com.

CLICK HERE FOR LATEST SHOW ON YOUTUBE

July 1 Download Hour One Here

It's Fourth of July weekend, which means we're taking a little time off and enjoying some R&R.  So instead of running a new show this weekend we thought we'd bring you some of the best calls from the first half of 2017.  After all, the Jill on Money show really is all about the listeners.  And as the Senior CFP Board Ambassador, providing you with financial advice and pointing you in the right direction is what I truly enjoy the most.

We started the first hour with Matt in Pennsylvania.  He and his wife are in their late 30s with four kids, maxing out their retirement, but they still have student loan debt yet are also thinking about 529 plans, so not quite sure what to do next.

After Matt we chatted with Harold from Boston who's looking to upgrade into a bigger house but also wants to keep his current place as a rental.  Good idea or bad?

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July 1 Download Hour Two Here

We kicked off hour two with Ralph from Iowa who may end up winning the 2017 Father of the Year award, because he wants to pay off some of his daughter's student loan debt.  But there's a right way and a wrong way to carry out such a noble deed, and that's what we discussed with Ralph.  

Next up was William in sunny San Diego.  Already retired, William and his wife are in awesome shape. Despite having plenty of assets, William is concerned about his allocation and wanted to run his scenario by us.

Happy Independence Day and Happy Birthday, America!

Thanks to everyone who participated this week, especially Mark, the Best Producer/Music Curator in the World. Here's how to contact us:

  • Call 855-411-JILL and we'll schedule time to get you on the show LIVE 
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#329 Marcus by Goldman Sachs

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We're keeping this blurb here for a while as a reminder that there's a new place for Jill on Money content - YouTube!  Seems like a no-brainer, but sometimes it takes a little outside help (h/t to JOM friend, Joe A!) to recognize the obvious.  So don't freak out.  Going forward, we're going to put all our radio and podcast content on YouTube! It'll be easier for you to navigate and listen to past shows, because everything will be in one place.  Just click any of the links below and you'll be able to listen to this week's show as well as anything else you see that might interest you, including all the Better Off podcast content if you haven't been listening. Let us know what you think by emailing us at askjill@jillonmoney.com.

CLICK HERE FOR LATEST SHOW ON YOUTUBE

June 24 Download Hour One Here

In hour one, we started with Steve from Minnesota who is about to become a millionaire!!!  Steve and his wife already have $750k saved in various accounts...and now, thanks to his ESOP plan, Steve will soon receive an additional $860k! To take advantage of this life changing event, Steve wanted to check in with us to make sure he's on the right track and not making any missteps along the way.

After Steve we chatted with Paul from Nebraska whose wife is about to inherit $200k.  And just like Steve, Paul isn't sure what they should do with it, hence his call to the show.

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June 24 Download Hour Two Here

In hour two we were joined in studio by Harit Talwar and Dustin Cohn from Marcus by Goldman Sachs, two of the names behind the bank's newest offering. Named after Marcus Goldman, one of the firm’s founders, Marcus by Goldman Sachs relies on the strength and heritage of a 147-year-old financial institution to provide credit-worthy consumers with a transparent and simple approach to consolidate their high-interest credit card debt.

We field questions all the time from people with debt who are struggling to keep their heads above water.  This could be a good option if you find yourself in a similar situation.  Depending on your credit score, you could potentially refinance your debt with Marcus, at a rate as low as 6.99%.  That sure beats the double-digit rates you're likely paying to your credit card company.

Some of the other benefits include:

  • No fees.
  • Fixed rates throughout the term of the loan.
  • Choice of monthly payment date and payment options, designed to fit your budget.

Thanks to everyone who participated this week, especially Mark, the Best Producer/Music Curator in the World. Here's how to contact us:

  • Call 855-411-JILL and we'll schedule time to get you on the show LIVE 
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#328 Bernie Madoff and The Wizard of Lies with Diana Henriques

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We're keeping this blurb here for a while as a reminder that there's a new place for Jill on Money content - YouTube!  Seems like a no-brainer, but sometimes it takes a little outside help (h/t to JOM friend, Joe A!) to recognize the obvious.  So don't freak out.  Going forward, we're going to put all our radio and podcast content on YouTube! It'll be easier for you to navigate and listen to past shows, because everything will be in one place.  Just click any of the links below and you'll be able to listen to this week's show as well as anything else you see that might interest you, including all the Better Off podcast content if you haven't been listening. Let us know what you think by emailing us at askjill@jillonmoney.com.

CLICK HERE FOR LATEST SHOW ON YOUTUBE

June 17 Download Hour One Here

In hour one, we took calls from Ray in Georgia, James in Connecticut and Susan in Minnesota.  Ray, a financial advisor, wanted my thoughts on annuities, James wants to know if he should keep, or ditch, his whole life policy and Susan has some doubts about her withdrawal strategy.  A little bit of something for everyone.

CLICK HERE FOR LATEST SHOW ON YOUTUBE

June 17 Download Hour Two Here

In hour two we focused on Bernie Madoff, perhaps the most notorious name in the history of Wall Street

By now we all know the story. Madoff conducted a Ponzi scheme that is considered to be the largest in U.S. history. Over the course of decades, Madoff stole billions of dollars from his clients and finally, amid the financial crisis of 2008, the crime came to a screeching halt.

How on earth was he able to pull it off for so long, when there were plenty of warning signs and whistleblowers who tried to alert regulators that something was amiss?

One of the journalists covering the scandal was Diana Henriques, then a staff reporter at The New York Times, who specialized in investigative reporting on white-collar crime, market regulation and corporate governance. Diana used her countless hours of work as the lead reporter on the story as a catalyst to write the bestselleing book, The Wizard of Lies: Bernie Madoff and the Death of Trust.

Diana had incredible access, including the first interview with an imprisoned Madoff. I was fortunate enough to interview her in 2011, just as the book was becoming a bestseller. I remember thinking at the time that the tale of Bernie Madoff was not just a financial story, but a Shakespearean tragedy.

Robert De Niro was so drawn to the character of Bernie Madoff as Henriques depicted him, that he bought the film rights to “The Wizard of Lies.” Six years later, HBO films released the movie version of “The Wizard of Lies” - it debuted in May.

If you’ve yet to see “The Wizard of Lies,” go watch it. DVR it, stream it, whatever the method, just watch it. It’s incredibly well done and stars Robert De Niro as Bernie Madoff and Michelle Pfeiffer as Ruth Madoff.

Diana is an amazing storyteller, from her dogged pursuit of the Madoff prison interview to her describing the phone call she got from Robert De Niro saying he wanted to play Madoff...just an incredible story.

Thanks to everyone who participated this week, especially Mark, the Best Producer/Music Curator in the World. Here's how to contact us:

  • Call 855-411-JILL and we'll schedule time to get you on the show LIVE 
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#327 Credit Scores and Identity Theft with John Ulzheimer

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We're keeping this blurb here for a while as a reminder that there's a new place for Jill on Money content - YouTube!  Seems like a no-brainer, but sometimes it takes a little outside help (h/t to JOM friend, Joe A!) to recognize the obvious.  So don't freak out.  Going forward, we're going to put all our radio and podcast content on YouTube! It'll be easier for you to navigate and listen to past shows, because everything will be in one place.  Just click any of the links below and you'll be able to listen to this week's show as well as anything else you see that might interest you, including all the Better Off podcast content if you haven't been listening. Let us know what you think by emailing us at askjill@jillonmoney.com.

CLICK HERE FOR LATEST SHOW ON YOUTUBE

June 10 Download Hour One Here

In hour one, Freddy from Houston made Jill on Money show history: for the first time, a fellow CFP called me, the Senior CFP Board Ambassador, for advice! Freddy is a great saver, so great that his wife thinks he may be going overboard, robbing them of a little fun during their pre-retirement years.  Do I side with Freddy or his wife? You'll have to listen for the answer! But one thing is for sure, no matter how much you think you know or how qualified you are, it never hurts to get a second opinion.  Often times a third party will see things that you don't.

CLICK HERE FOR LATEST SHOW ON YOUTUBE

June 10 Download Hour Two Here

In hour two we brought back our old pal and credit score guru John Ulzheimer.  The credit score world is a rapidly changing one, and a big change is coming in July with NCAP, the National Consumer Assistance Plan, an initiative launched by the three big consumer credit reporting companies, Equifax, Experian and TransUnion. The goal of NCAP is to make credit reports more accurate and make it easier for consumers to correct errors on their reports. Bottom line: NCAP will mean that millions of people will see their credit scores improve. John also described how Vantage Score's new use of trended data could change the credit score business in the years to come.

John also helped demystify the scary topic of hacking.  We've all been there...we've all had our credit card compromised at some point.  If and when that happens, what steps should you take and what should you do to prevent it from happening again? Will checking your credit report on a regular basis help?

Thanks to everyone who participated this week, especially Mark, the Best Producer/Music Curator in the World. Here's how to contact us:

  • Call 855-411-JILL and we'll schedule time to get you on the show LIVE