realtor

#341 Kids and Money with Beth Kobliner

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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

Sept 16 Download Hour One Here

Before we jumped into your questions, I had to first talk about the massive Equifax data breach -- nearly half of the country was impacted!  How do you find out if you're one of the unlucky ones? If you were, what steps should you be taking? Check out my recent blog post.  It has all the necessary information.  If you're more of a visual person, I did a recent segment on CBS This Morning where I also outlined all the necessary steps.

Okay, on to the show and your questions...

Is there such a thing as saving too much money? That's how we started the show with Dave in Arizona, who has done an amazing job of saving for retirement...he's got over two million bucks! But he's now starting to realize that the money hasn't been taxed and he's going to have to pay Uncle Sam when his RMDs kick in down the road.  Or is he??  You'll have to listen for the answer...

CLICK HERE FOR LATEST SHOW ON YOUTUBE

Sept 16 Download Hour Two Here

Since it's September and back-to-school time we thought it was a good time to talk financial literacy.

You will often hear me say that before you worry about the financial future of your kids, you need to make sure you’re taking care of yourself first. But that doesn’t take you off the hook for discussing money with your kids.

Think of it as another one of the "talks"…so now in addition to the sex talk, the drug and alcohol talk, we can add the money talk. All of these conversations must occur at every stage of your child’s development, with age-appropriate messaging that the kids can absorb.

To help with your effort, this week we’re talking to Beth Kobliner, author of Make Your Kid A Money Genius (Even If You’re Not): A Parents’ Guide for Kids 3 to 23. Okay, okay, full disclosure, she’s also a friend of mine.

But that’s not why Beth is on the show.  She’s on because it’s an important topic. I know there are a lot of you out there with kids or thinking about starting a family, wondering how to have such conversations:

  • How much debt should we take on for college?
  • Should I give my teen a debit or credit card?
  • Should I give my child an allowance?
  • My kid wants to move back home…should I charge rent?

Those are just some examples and there’s plenty more in the book. Whether you’re a rookie in the parenting game or a veteran, this book will help. As Beth says, “Think of it as a guide for parents that offers the financial facts of life for kids 3 to 23.”

And FYI, Beth is the real deal. In 2010, she was selected by President Obama to be a member of the President’s Advisory Council on Financial Capability, where she created MoneyAsYouGrow.org. The site attracted more than 1.4 million visitors and was adopted by the Consumer Financial Protection Bureau in 2016.

So whether you have kids, are planning on doing so in the future or you are a beloved aunt or uncle, I encourage you to check it out. It’s never too soon to start the money talk!

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 

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.

“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!

Connect with me at these places for all my content:

https://twitter.com/jillonmoney

https://www.facebook.com/JillonMoney

https://www.instagram.com/jillonmoney/

https://www.linkedin.com/in/jillonmoney/ 

http://www.stitcher.com/podcast/jill-... 

http://betteroffpodcast.com/

https://itunes.apple.com/us/podcast/b...

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

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#340 Stress Proof: Being More Resilient Every Day

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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

Sept 9 Download Hour One Here

We started the show with a fun call from John in Chicago.  As he prepares for his wedding, John is trying to figure out the best way to have the financial talk with his fiancee, Kim.  John is more aggressive when it comes to finances, while Kim is more conservative, so we need to find a middle ground for these two lovebirds.  The good news is that they're already kind of talking about it, so it really shouldn't be that difficult to get them over the hump.

CLICK HERE FOR LATEST SHOW ON YOUTUBE

Sept 9 Download Hour Two Here

Hour two this week is devoted to helping you stress proof your life.

Thanks to our guest this week, Mithu Storoni, it can be done.  Mithu is a University of Cambridge-trained MD, certified in Ophthalmology. She also holds a PhD in Neuro-ophthalmology.  In her new book, Stress-Proof, Dr. Storoni will help us all discover simple, science-based strategies for beating stress at its own game.

As listeners of the show, you guys are clearly into personal finance, and you don't need me telling you that money can be stressful.  Stress is an inevitable part of life. But how much is too much? Research is uncovering the delicate balance that can turn a brief stressful episode into systemic overload, eventually leading to anxiety, depression, and other chronic health issues.  But this doesn't have to be the norm.  There are ways to prevent it from having a negative impact on your life and health.

  • When’s the best time to exercise – and how much is too much?
  • Which foods fortify the brain, and which do the opposite?
  • How can we use music, movement and motivation to boost our rational brain and keep our cool no matter what life throws our way?

The pages go on to outline seven paths to fighting the effects of stress–to strengthen our natural defenses so that our minds remain sharp, and our bodies resilient, no matter what life throws at us.

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 

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.

“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!

Connect with me at these places for all my content:

https://twitter.com/jillonmoney

https://www.facebook.com/JillonMoney

https://www.instagram.com/jillonmoney/

https://www.linkedin.com/in/jillonmoney/ 

http://www.stitcher.com/podcast/jill-... 

http://betteroffpodcast.com/

https://itunes.apple.com/us/podcast/b...

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

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#339 Why Wall Street Matters with William Cohan

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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

Sept 2 Download Hour One Here

In the aftermath of Hurricane Harvey, we started the show with a quick reminder about flood insurance--and why most standard homeowners' insurance policies are not likely to cover thousands of victims of the storm.

We then spoke with Donna in New York, who had some questions about using a Roth IRA and whether or not it makes sense in her situation.  Next up may have been a first...in all the years we've been doing this I don't think we've ever had a call about a prenup.  Thanks to Stacy from Philadelphia there's a first for everything. Stacy is about to get married and she's wondering if she and her soon to be hubby need a prenup.  The interesting thing is that they're both on board with the idea.

CLICK HERE FOR LATEST SHOW ON YOUTUBE

Sept 2 Download Hour Two Here

Hour two this week is devoted to defending Wall Street.  Yes, you read that correctly.

Imagine a world without companies like Apple, or media outlets such as CBS or NBC, without all of the cars and trucks crisscrossing the country, without food provided by the farmer...that’s what would happen if Wall Street did not exist...it would all go away, according to this week’s hour two guest, writer William “Bill” Cohan.

If you’ve read some of his previous books, like "House of Cards," or “Money and Power”, you know Bill is usually not one to shy away from going after Wall Street and its shortcomings. But in an interesting twist, Bill’s recent book, "Why Wall Street Matters," is a defense of the industry that he has previously pilloried.

In our interview, Bill describes a poor decision by Elizabeth Warren as the catalyst that propelled him to write this latest book. He tells us what Wall Street has done well, like providing the necessary capital to help grow companies. The money investors provide, allows companies to invest, expand and hire, thus propelling the economy.

Don’t be mistaken: Bill knows that Wall Street and the institutions that occupy the space in Lower Manhattan are imperfect, but he believes that there is far more good than bad -- and more importantly, the consequences would be dire if the essential role the industry plays were carelessly curtailed.

Bill had one goal when writing this book: for Wall Street to become understandable to the average American. In this easy to read book, Bill succeeded. I highly recommend you pick it up.

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 

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.

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!

Connect with me at these places for all my content:

https://twitter.com/jillonmoney

https://www.facebook.com/JillonMoney

https://www.instagram.com/jillonmoney/

https://www.linkedin.com/in/jillonmoney/ 

http://www.stitcher.com/podcast/jill-... 

http://betteroffpodcast.com/

https://itunes.apple.com/us/podcast/b...

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

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#338 Hot Housing: How to Buy and Sell

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JSminibrand1.png

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 26 Download Hour One Here

You know the deal...hour one is all about your calls and emails.  This week we started with Ray in Connecticut who had some questions about Required Minimum Distributions (RMDs) and withdrawal strategies, as he approaches retirement.  Next up was Bob from San Francisco who finds himself in the awesome position of having over a million bucks sitting in the bank after selling his business and house.  With more money than he's ever had, he was looking for the best game plan going forward.

CLICK HERE FOR LATEST SHOW ON YOUTUBE

Aug 26 Download Hour Two Here

Hour two this week is devoted to the housing market.  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.

One of the topics we spent some time on is the current inventory crisis (inventory has declined year-over-year for 26 consecutive months) and why it’s seemingly harder than ever for potential buyers to find and land 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.

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 

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.

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

Connect with me at these places for all my content:

https://twitter.com/jillonmoney

https://www.facebook.com/JillonMoney

https://www.instagram.com/jillonmoney/

https://www.linkedin.com/in/jillonmoney/ 

http://www.stitcher.com/podcast/jill-... 

http://betteroffpodcast.com/

https://itunes.apple.com/us/podcast/b...

"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.

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!

Connect with me at these places for all my content:

https://twitter.com/jillonmoney

https://www.facebook.com/JillonMoney

https://www.instagram.com/jillonmoney/

https://www.linkedin.com/in/jillonmoney/ 

http://www.stitcher.com/podcast/jill-... 

http://betteroffpodcast.com/

https://itunes.apple.com/us/podcast/b...

"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.

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

Connect with me at these places for all my content:

https://twitter.com/jillonmoney

https://www.facebook.com/JillonMoney

https://www.instagram.com/jillonmoney/

https://www.linkedin.com/in/jillonmoney/ 

http://www.stitcher.com/podcast/jill-... 

http://betteroffpodcast.com/

https://itunes.apple.com/us/podcast/b...

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