http://www.millionaireorbust.com teaching you how to think about your finances Thu, 02 Feb 2012 08:07:31 +0000 en hourly 1 http://wordpress.org/?v=3.3.1 2006-2009 david@millionaireorbust.com (Flying Squirrel Media) david@millionaireorbust.com (Flying Squirrel Media) personal finance 1440 http://www.millionaireorbust.com/images/podcastlogosmall.jpg http://www.millionaireorbust.com 144 144 teaching you how to think about your finances teaching you how to think about your finances personal finance, business news Flying Squirrel Media Flying Squirrel Media david@millionaireorbust.com no no http://www.millionaireorbust.com/archives/saving-enough-online/ http://www.millionaireorbust.com/archives/saving-enough-online/#comments Thu, 02 Feb 2012 08:04:35 +0000 David van Sunder http://www.millionaireorbust.com/?p=542 http://www.millionaireorbust.com/archives/saving-enough-online/feed/ 0 http://www.millionaireorbust.com/archives/save-money-go-green-this-winter/ http://www.millionaireorbust.com/archives/save-money-go-green-this-winter/#comments Mon, 28 Nov 2011 07:53:34 +0000 David van Sunder http://www.millionaireorbust.com/?p=487 http://www.millionaireorbust.com/archives/save-money-go-green-this-winter/feed/ 0 http://www.millionaireorbust.com/archives/save-on-thanksgiving-travel/ http://www.millionaireorbust.com/archives/save-on-thanksgiving-travel/#comments Tue, 08 Nov 2011 07:52:22 +0000 David van Sunder http://www.millionaireorbust.com/?p=478 http://www.millionaireorbust.com/archives/save-on-thanksgiving-travel/feed/ 0 http://www.millionaireorbust.com/archives/winter-vacation-on-a-budget/ http://www.millionaireorbust.com/archives/winter-vacation-on-a-budget/#comments Sun, 16 Oct 2011 16:41:20 +0000 David van Sunder http://www.millionaireorbust.com/archives/how-to-afford-a-winter-vacation-on-a-budget/ http://www.millionaireorbust.com/archives/winter-vacation-on-a-budget/feed/ 0 http://www.millionaireorbust.com/archives/use-latte-factor/ http://www.millionaireorbust.com/archives/use-latte-factor/#comments Mon, 15 Aug 2011 23:10:19 +0000 David van Sunder http://www.millionaireorbust.com/?p=452 http://www.millionaireorbust.com/archives/use-latte-factor/feed/ 0 http://www.millionaireorbust.com/archives/sneaky-tricks-gas-credit-cards/ http://www.millionaireorbust.com/archives/sneaky-tricks-gas-credit-cards/#comments Wed, 29 Jun 2011 19:44:41 +0000 David van Sunder http://www.millionaireorbust.com/?p=437 http://www.millionaireorbust.com/archives/sneaky-tricks-gas-credit-cards/feed/ 0 http://www.millionaireorbust.com/archives/graduates-avoid-debt/ http://www.millionaireorbust.com/archives/graduates-avoid-debt/#comments Wed, 25 May 2011 08:44:58 +0000 David van Sunder http://www.millionaireorbust.com/?p=429 http://www.millionaireorbust.com/archives/graduates-avoid-debt/feed/ 0 http://www.millionaireorbust.com/archives/saving-gas-money/ http://www.millionaireorbust.com/archives/saving-gas-money/#comments Sat, 19 Mar 2011 08:01:29 +0000 David van Sunder http://www.millionaireorbust.com/?p=388 http://www.millionaireorbust.com/archives/saving-gas-money/feed/ 2 http://www.millionaireorbust.com/archives/free-childrens-audio-books/ http://www.millionaireorbust.com/archives/free-childrens-audio-books/#comments Tue, 15 Mar 2011 19:00:33 +0000 David van Sunder http://www.millionaireorbust.com/?p=337 http://www.millionaireorbust.com/archives/free-childrens-audio-books/feed/ 8 http://www.millionaireorbust.com/archives/voucherseeker/ http://www.millionaireorbust.com/archives/voucherseeker/#comments Mon, 14 Mar 2011 09:57:26 +0000 David van Sunder http://www.millionaireorbust.com/?p=363 http://www.millionaireorbust.com/archives/voucherseeker/feed/ 0 http://www.millionaireorbust.com/archives/hr-block-contest/ http://www.millionaireorbust.com/archives/hr-block-contest/#comments Thu, 17 Feb 2011 09:16:26 +0000 David van Sunder http://www.millionaireorbust.com/?p=354 http://www.millionaireorbust.com/archives/hr-block-contest/feed/ 3 http://www.millionaireorbust.com/archives/long-distance-calls/ http://www.millionaireorbust.com/archives/long-distance-calls/#comments Sun, 23 Jan 2011 09:23:55 +0000 David van Sunder http://www.millionaireorbust.com/?p=330 http://www.millionaireorbust.com/archives/long-distance-calls/feed/ 2 http://www.millionaireorbust.com/archives/money-saving-start-2011/ http://www.millionaireorbust.com/archives/money-saving-start-2011/#comments Sun, 23 Jan 2011 04:27:54 +0000 David van Sunder http://www.millionaireorbust.com/?p=325 http://www.millionaireorbust.com/archives/money-saving-start-2011/feed/ 1 http://www.millionaireorbust.com/archives/debt-consolidation/ http://www.millionaireorbust.com/archives/debt-consolidation/#comments Sat, 20 Nov 2010 06:26:34 +0000 David van Sunder http://www.millionaireorbust.com/?p=294 http://www.millionaireorbust.com/archives/debt-consolidation/feed/ 3 http://www.millionaireorbust.com/archives/mob0113/ http://www.millionaireorbust.com/archives/mob0113/#comments Tue, 10 Nov 2009 02:12:34 +0000 David van Sunder http://www.millionaireorbust.com/?p=248 http://www.millionaireorbust.com/archives/mob0113/feed/ 4 0:15:49 This week’s episode of Millionaire or Bust takes a look at the news of the week and looks at how being healthy can save money for us and the country. Here are today’s segments and the associated articles and links: By the Numbers Dow: [...] This week’s episode of Millionaire or Bust takes a look at the news of the week and looks at how being healthy can save money for us and the country. Here are today’s segments and the associated articles and links: By the Numbers Dow: Gained 310 points going from 9,713 to 10,023. Oil: Gained $1.12/barrel from $77.53 to $78.65. Gas: Dropped 2.4 cents/gallon going from $2.693/gallon to $2.669. Bank Failures: We had 5 more bank failures over the past week bringing the current total to 120. Which Way is the Wind Blowing? Unemployment has hit 10.2%. Health & Finance Five health care problems that cost $1 Trillion out of the $2.2 Trillion spent on Health Care in the USA every year. Announcement Going forward Millionaire or Bust will be moving away from a weekly schedule, due to the fact that I need to dedicate more time and energy to our other website, BeingHealthy.TV. Talli and I are creating more and more content there every week and I needed to decide where to throw my main focus. As the bigger of the two sites, BeingHealthy.TV won. And speaking of winning, Talli’s audio podcast Being Healthy for Busy People is a finalist in the 2009 Podcast Awards. Back to the point though, MillionaireOrBust.com will still be producing content, but not on a regular schedule. As time permits and inspiration strikes, I’ll be producing podcasts and, new for me, blog posts on finance related topics. I will be moving away from news a bit to focus more on money saving tips and money making tips though. Thank you to everyone who has supported the podcast and thank you to everyone who stays subscribed. It has been and continues to be an honor to have such a great group of listeners. Sincerely, David van Sunder If you enjoy Millionaire or Bust, please head on over to iTunes and give it a nice review. If you have some feedback on how to make the show better, shoot me an email and help me improve the show. I appreciate all your comments. Thanks for listening everyone! announcements, podcasts Flying Squirrel Media no no http://www.millionaireorbust.com/archives/mob0106/ http://www.millionaireorbust.com/archives/mob0106/#comments Mon, 14 Sep 2009 11:31:02 +0000 David van Sunder http://www.millionaireorbust.com/?p=141 http://www.millionaireorbust.com/archives/mob0106/feed/ 1 0:14:25 Next week is looking to be a “vacation week,” but I’m open to user contributed material or a guest hosted show, if anyone is interested. I may also put together a feedback show. That’s all up in the air, but unless something [...] Next week is looking to be a “vacation week,” but I’m open to user contributed material or a guest hosted show, if anyone is interested. I may also put together a feedback show. That’s all up in the air, but unless something comes up, don’t expect the show next week. Here are today’s segments and the associated articles and links: By the Numbers: Dow: Gained 164 points from 9,441 to 9,605 Oil: Dropped $0.06/barrel to $68.69 from $ 68.75 as of 3:34am Gas: Dropped 1 cent/gallon from $2.583/gallon to $2.573 Bank Failures: 3 more bring the total to 92 for the year Which Way Is the Wind Blowing? According to the Federal Reserve, consumers cut debt by record $21.6B in July. Get A Great Deal! How to find a cheap and tasty restaurant while you’re traveling. Feedback: This week I covered five pieces of feedback from the past two weeks. Two each from the first two people and one from the third. Maria Isabel Shawno from the Hyper Nonsense Podcast Fresh Start 
 If you enjoy Millionaire or Bust, please head on over to iTunes and give it a nice review. If you have some feedback on how to make the show better, shoot me an email and help me improve the show. I appreciate all your comments. Thanks for listening everyone! podcasts Flying Squirrel Media no no http://www.millionaireorbust.com/archives/mob0105/ http://www.millionaireorbust.com/archives/mob0105/#comments Tue, 08 Sep 2009 10:49:07 +0000 David van Sunder http://www.millionaireorbust.com/?p=137 http://www.millionaireorbust.com/archives/mob0105/feed/ 3 0:14:00 This week’s Labor Day Edition of Millionaire or Bust came out a day later in observance of the holiday. Here are today’s segments and the associated articles and links: By the Numbers The Dow dropped 103 points from last week. Oil: Dro[...] This week’s Labor Day Edition of Millionaire or Bust came out a day later in observance of the holiday. Here are today’s segments and the associated articles and links: By the Numbers The Dow dropped 103 points from last week. Oil: Dropped $3.40/barrel in the past week to $68.75 from $72.15. Gas: Dropped 2.6 cents/gallon in the past week to $2.583/gallon from $2.609. 5 more bank failures bring this year’s total to 89, so far. Which way is the wind blowing? Obama announces measures to make it easier to save more. Stick It to the Man & Save Some Money! Property taxes: How to beat ‘em! Great Deal! Recession drives U.S. restaurateurs and diners to food trucks. If you enjoy Millionaire or Bust, please head on over to iTunes and give it a nice review. If you have some feedback on how to make the show better, shoot me an email and help me improve the show. I appreciate all your comments. Thanks for listening everyone! podcasts Flying Squirrel Media no no http://www.millionaireorbust.com/archives/mob0104/ http://www.millionaireorbust.com/archives/mob0104/#comments Mon, 31 Aug 2009 16:00:07 +0000 David van Sunder http://www.millionaireorbust.com/?p=136 http://www.millionaireorbust.com/archives/mob0104/feed/ 1 0:14:10 This week’s episode of Millionaire or Bust gets right into it. Here are today’s segments and the associated articles and links: By the Numbers Dow was up 38.24, or 0.4%. S&P was up 2.80, or 0.3%. Nasdaq was up 7.87, or 0.4%. Oil: [...] This week’s episode of Millionaire or Bust gets right into it. Here are today’s segments and the associated articles and links: By the Numbers Dow was up 38.24, or 0.4%. S&P was up 2.80, or 0.3%. Nasdaq was up 7.87, or 0.4%. Oil: $72.15/barrel down $2.03 Gas: $2.609/gallon down 1.8 cents 3 more bank failures makes 84 for the year. Which way is the wind blowing? The week ahead brings reports on manufacturing and the job market, as investors try to stretch out the advance. So, is September predicted to be another up month? It Could Work. But Not for You. The Mega Millions jackpot hit $333 million. You’ve Got to be Kidding Me! Family of 6 Eats For
 About $4 a Week. If you enjoy Millionaire or Bust, please head on over to iTunes and give it a nice review. If you have some feedback on how to make the show better, shoot me an email and help me improve the show. I appreciate all your comments. Thanks for listening everyone! podcasts Flying Squirrel Media no no http://www.millionaireorbust.com/archives/mob0103/ http://www.millionaireorbust.com/archives/mob0103/#comments Mon, 24 Aug 2009 16:13:04 +0000 David van Sunder http://www.millionaireorbust.com/?p=135 http://www.millionaireorbust.com/archives/mob0103/feed/ 3 0:13:25 This week’s episode of Millionaire or Bust gets right into it. Here are today’s segments and the associated articles and links: By the Numbers The Dow rose 185 points to 9,506. According to AAA’s Fuel Gauge Report, gas dropped sl[...] This week’s episode of Millionaire or Bust gets right into it. Here are today’s segments and the associated articles and links: By the Numbers The Dow rose 185 points to 9,506. According to AAA’s Fuel Gauge Report, gas dropped slightly. Oil surged $7.78/barrel. Four more bank failures. Which Way Is The Wind Blowing? Housing is up? Housing is down? Stocks may fly on housing, consumers. Watch out! You’re hired! You move. You’re fired! You’ve Got to be Kidding Me! California resort offers $19 ‘survivor’ package. If you enjoy Millionaire or Bust, please head on over to iTunes and give it a nice review. If you have some feedback on how to make the show better, shoot me an email and help me improve the show. I appreciate all your comments. Thanks for listening everyone! podcasts Flying Squirrel Media no no http://www.millionaireorbust.com/archives/mob0094/ http://www.millionaireorbust.com/archives/mob0094/#comments Mon, 15 Jun 2009 12:00:30 +0000 David van Sunder http://www.millionaireorbust.com/?p=125 http://www.millionaireorbust.com/archives/mob0094/feed/ 2 0:23:18 In this week’s episode of Millionaire or Bust, I talked about saving money by doing swaps rather than buying everything. But first I covered the news for the week: The coin toss was right again, the Dow was up! It’s been right 7 out of [...] In this week’s episode of Millionaire or Bust, I talked about saving money by doing swaps rather than buying everything. But first I covered the news for the week: The coin toss was right again, the Dow was up! It’s been right 7 out of 9 times. 10 banks were cleared to repay the US Treasury $68 Billion in TARP funds. Gas prices were up again. Chrysler and Fiat made it official. The financial crisis spurred a spike in ‘suburban survivalists.’ Then I got into the main topic, which was swapping. I chose this topic because in a down economy, the best way to have more money in the bank is to save more money. For a lot of people who have lost jobs or taken pay or benefit cuts, that is difficult. This can help them. And for those who want to take this opportunity to invest more cheaply, this gives them an opportunity to have more money to invest. The article mentioned during the topic and some links inside that article are: Squeezed by the economy, shoppers become swappers. Meetup.com Swaptree.com Paperbackswap.com Totsswapshop.com freecycle.org craigslist.org If you enjoy Millionaire or Bust, please head on over to iTunes and give it a nice review. If you have some feedback on how to make the show better, shoot me an email and help me improve the show. I appreciate all your comments. Thanks for listening everyone! podcasts Flying Squirrel Media no no http://www.millionaireorbust.com/archives/mob0080/ http://www.millionaireorbust.com/archives/mob0080/#comments Mon, 09 Mar 2009 11:00:42 +0000 David van Sunder http://www.millionaireorbust.com/?p=103 http://www.millionaireorbust.com/archives/mob0080/feed/ 4 0:20:07 The main topic of this week’s episode of Millionaire or Bust is carving some savings out of your budget. But, before I talked about that, I had to give you this week’s news: First off, we had the 17th bank failure of the year, making eig[...] The main topic of this week’s episode of Millionaire or Bust is carving some savings out of your budget. But, before I talked about that, I had to give you this week’s news: First off, we had the 17th bank failure of the year, making eight consecutive weeks with at least one bank failure. Then on Sunday, Circuit City closed it’s doors for the last time. And while oil and gas prices were going up, the DOW, S&P 500 and NASDAQ were all dropping. To combat that and the horrendous unemployment numbers that were released, the top ranking House Republican called for a spending freeze. Of course since people knew they were on their own to help themselves in this economy, workers started spending less on eating out according to a survey. For those of you looking to save a bit more money, I discussed a few ways to carve a little extra money savings out of your budget that I was thinking about as I poured through my bills while doing my taxes. If you enjoy Millionaire or Bust, please head on over to iTunes and give us a nice review. If you have some feedback on how to make the show better, shoot us an email and help us improve the show. We appreciate all your comments. Thanks for listening everyone! podcasts Flying Squirrel Media no no http://www.millionaireorbust.com/archives/mob0077/ http://www.millionaireorbust.com/archives/mob0077/#comments Mon, 16 Feb 2009 13:00:50 +0000 David van Sunder http://www.millionaireorbust.com/?p=100 http://www.millionaireorbust.com/archives/mob0077/feed/ 6 0:23:19 On this episode of Millionaire or Bust, I start off by announcing that I’ll be doing the show solo for the foreseeable future. Talli is on hiatus due to the demands of her other podcast and blog, Being Healthy for Busy People and work and the[...] On this episode of Millionaire or Bust, I start off by announcing that I’ll be doing the show solo for the foreseeable future. Talli is on hiatus due to the demands of her other podcast and blog, Being Healthy for Busy People and work and the baby. So, I’m encouraging you all to take a more active part in the show and send me feedback & comments that I can use on the show. This week’s topic is “Should we spend or should we save?” I set the stage by discussing a few news stories, including the biggest news of the week that the Senate passed a $787 billion stimulus bill. Then I talked about an article that says that the average price of a wedding has dropped nearly $6,000 as couples scale back. Then in what looked like good news, I talked about the foreclosures easing in January by about 10%. Unfortunately, that was mainly driven by the foreclosure moratoriums of Fannie Mae and Freddie Mac. With that poor news, I jumped into a story that detailed the extreme measures some people have gone to earn some extra cash to make ends meet. With that extra cash, I guess Starbucks wants us to buy some of their new cheaper coffee-and-food combos. That seems less likely though since, US jobless claims were above 600,000 for the week. Luckily, retail sales rose unexpectedly in January, but only by 1%. The economy hasn’t turned around yet though because closures in Nebraska, Florida, Illinois and Oregon bring the number of bank failures to 13 this year as the financial crisis continues. All this news led to the net worth of American families falling drastically according to the last story. It also led to my conclusion on whether you should spend or save in this economy. The answer? It depends. Give the show a listen to get the details. If you enjoy Millionaire or Bust, please head on over to iTunes and give us a nice review. If you have some feedback on how to make the show better, shoot us an email and help us improve the show. We appreciate all your comments. Thanks for listening everyone! podcasts Flying Squirrel Media no no http://www.millionaireorbust.com/archives/mob0076/ http://www.millionaireorbust.com/archives/mob0076/#comments Mon, 09 Feb 2009 13:00:34 +0000 David van Sunder http://www.millionaireorbust.com/?p=99 http://www.millionaireorbust.com/archives/mob0076/feed/ 3 0:23:22 On this episode of Millionaire or Bust, Talli is out sick, but I’m still standing, so I bring you the news, some listener generated content and then some tips on how to save money on your monthly expenses to help get you through this economic [...] On this episode of Millionaire or Bust, Talli is out sick, but I’m still standing, so I bring you the news, some listener generated content and then some tips on how to save money on your monthly expenses to help get you through this economic downturn. For the first story, I talk about Denny’s free breakfast grand slam. Then I talked about the buyout offers GM extended to all its hourly workers. In my penultimate story, I talked about the job losses in January which were the worst in 34 years. Finally, I covered the closing of 3 more U.S. banks. Two were in California and one was in Georgia. Next, we had a comment that was sent in by Erk the train driving podcaster from Australia whose various podcasts you can find at channelerk.com. Erk was talking about the travel shows that we did recently and mentioned the following websites: wotif.com lastminute.com.au In response to Erk’s admonition to be careful when surfing the internet outside your home network where your passwords and credit card information could be compromised, I suggested a VPN such as hotspotvpn.com to encrypt your data and keep you safe. For the last segment of the show, I covered price comparison sites that were specifically geared towards recurring monthly costs, so that we can all save some money without compromising our lifestyles: Cell Phones & Credit Cards – billshrink.com Insurance – insweb.com or esurance.com Loans – bankrate.com or lendingtree.com Prescription Medication – drx.com Get your free credit report – annualcreditreport.com If you enjoy Millionaire or Bust, please head on over to iTunes and give us a nice review. If you have some feedback on how to make the show better, shoot us an email and help us improve the show. We appreciate all your comments. Thanks for listening everyone! podcasts Flying Squirrel Media no no http://www.millionaireorbust.com/archives/mob0053/ http://www.millionaireorbust.com/archives/mob0053/#comments Mon, 06 Oct 2008 09:00:06 +0000 David van Sunder http://www.millionaireorbust.com/?p=76 http://www.millionaireorbust.com/archives/mob0053/feed/ 1 0:24:57 On this episode of Millionaire or Bust, we start off the show by discussing the biggest news of the week, the Congressional approval of the government’s $700 billion financial rescue plan Friday. We talk about what the bailout entails, includi[...] On this episode of Millionaire or Bust, we start off the show by discussing the biggest news of the week, the Congressional approval of the government’s $700 billion financial rescue plan Friday. We talk about what the bailout entails, including extra tax breaks for some businesses and the raising of the FDIC limits from $100,000 to $250,000. Unfortunately, we also had to talk about how that didn’t send the economy soaring immediately afterward and about the increased strain it will put on the U.S. Treasury as a result of the bailout. We mention some shortages on gasoline from Georgia up to North Carolina that made it hard for some to find gas for a couple days and more expensive when they could. We also discuss rising 30 year mortgage rates and an article from news.yahoo.com that says that the U.S. economy shed the most jobs since 2003 in the month of September. Things aren’t all bad though, there are deals out there to be had, including Toyota announcing 0% financing on 11 models. Also, a Chicago woman bought a house for $1.75 on eBay. Talking about a good deal gone bad (for Citigroup), Wachovia Bank walked away from a deal with Citigroup to take a better deal from Wells Fargo. What can you do with the economy fraying around the edges? We discuss some fundamentals of responsible personal finance. We also toss out a few coupon saving sites to help you stretch the money you have a little farther. Retailmenot.com Coolsavings.com Couponcravings.com Then last we address some voicemail feedback we received. If you enjoy our podcast, please head on over to iTunes and give us a nice review. If you have some feedback on how to make the show better, shoot us an email and help us improve the show. We appreciate all your comments. Thanks for listening everyone! podcasts Flying Squirrel Media no no http://www.millionaireorbust.com/archives/mob0038/ http://www.millionaireorbust.com/archives/mob0038/#comments Wed, 16 Jul 2008 21:00:41 +0000 David van Sunder http://www.millionaireorbust.com/?p=60 http://www.millionaireorbust.com/archives/mob0038/feed/ 0 0:28:12 This week’s gas price update: $4.479 Before we got into the meat of the show, Talli made a quick announcement about her new health podcast, “BeingHealthy.tv. It’s a health podcast that will bring you health tips, news, motivation [...] This week’s gas price update: $4.479 Before we got into the meat of the show, Talli made a quick announcement about her new health podcast, “BeingHealthy.tv. It’s a health podcast that will bring you health tips, news, motivation and ways to fit being healthy into your busy life. So, if you are interested in being healthy, please check it out and subscribe. This week’s main topic seems like a simple one, but it’s one that so few couples actually practice. We talk about handling the family finance as a family, rather than just having one person handling them. We talk about why it is important, how it can help your finances and the possible negative consequences of not sharing them. We also touch briefly on credit card debt and divorce. Then we look at some free and cheaper alternatives to CD audiobooks and ebooks. Audiobook Replacements • Audible.com – Monthly subscription • Podiobooks.com – Independent (Free!) • Project Gutenberg- human and machine read (Free!) • Archive.org – Public domain & Creative Commons (Free!) eBooks • ManyBooks.net (Free!) • Project Gutenberg – Classics, public domain & even sheet music (Free!) • Archive.org – Public domain & Creative Commons (Free!) Then we have some feedback from Matt from Seattle and from Justin from the show notes. podcasts Flying Squirrel Media no no http://www.millionaireorbust.com/archives/mob0035/ http://www.millionaireorbust.com/archives/mob0035/#comments Wed, 25 Jun 2008 23:00:34 +0000 David van Sunder http://www.millionaireorbust.com/?p=55 http://www.millionaireorbust.com/archives/mob0035/feed/ 0 0:34:13 This week we gave the local price updates that we were experiencing. Gas Price: $4.539/gallon We took a look at Vanguard’s week in review with their synopsis of economic indicators and David’s small insights into what they might mean. Th[...] This week we gave the local price updates that we were experiencing. Gas Price: $4.539/gallon We took a look at Vanguard’s week in review with their synopsis of economic indicators and David’s small insights into what they might mean. Then we jumped into the meat of the show discussing a Money Magazine article “Life without plastic.” We spent some time digging into how living without plastic could be of benefit even to those that pay off their credit card balances at the end of every month. And not mentioned in the show is a bonus story detailing 10 people living without plastic. We had to cut it from the show due to time constraints. So, if you’re interested in more inspiration, check it out. Last, we addressed some feedback from Justin regarding Show #31 and make a correction. podcasts Flying Squirrel Media no no http://www.millionaireorbust.com/archives/mob0034/ http://www.millionaireorbust.com/archives/mob0034/#comments Wed, 18 Jun 2008 23:00:49 +0000 David van Sunder http://www.millionaireorbust.com/?p=54 http://www.millionaireorbust.com/archives/mob0034/feed/ 0 0:32:55 This week we discuss a couple incidents that occurred in our lives recently. The first was a medical provider who owed us a credit for services rendered, but was holding the money. The second was the expiration of some frequent flyer miles. Both i[...] This week we discuss a couple incidents that occurred in our lives recently. The first was a medical provider who owed us a credit for services rendered, but was holding the money. The second was the expiration of some frequent flyer miles. Both incidents taught us lessons. Gas Price Update: $4.56/gallon Next, we discussed 10 travel tips that we’ve gathered over the many years that we’ve traveled. Talli as the member of a family that traveled extensively and David as the son of a United Airlines employee and as an ex-process consultant for Accenture. Discount Travel Sites Mentioned: Travelzoo – A site we use often. Sherman’s Travel – A site we check sometimes. Priceline – Good when you’re very flexible in travel times. Orbitz – We always check this site, then compare the best price against that airline’s own site just in case they have a lower price there. Sometimes, they do. Hotwire They offer a trip watcher to tell you when the price for a specific trip drops. Gate 1 Travel – The site we use for most of our trips abroad. Look for the special deals. Next we discuss an article entitled “Vacation where the dollar is still strong” by Sheridan Prasso of Money Magazine. We discuss the seven options that she has put forth. We’ve only visited two so far, but a lot of them sound good. Finally we listened to some feedback from Matt from Seattle. He recommended two websites: www.fatwallet.com – A coupon and cash back member site. During the podcast I was incorrect. It isn’t $20 of cash back accumulated to get a check. It’s actually $10. www.dinkytown.com – 300 financial calculators (Very useful) podcasts Flying Squirrel Media no no http://www.millionaireorbust.com/archives/mob0033/ http://www.millionaireorbust.com/archives/mob0033/#comments Wed, 11 Jun 2008 23:00:11 +0000 David van Sunder http://www.millionaireorbust.com/?p=53 http://www.millionaireorbust.com/archives/mob0033/feed/ 0 0:32:41 This week we talk about the Apple WWDC and buying gadgets. We specifically discuss ways to avoid constant tech gadget upgrading and the advantages of doing that, but the same advice could apply to almost any type of nonessential purchase. We take a[...] This week we talk about the Apple WWDC and buying gadgets. We specifically discuss ways to avoid constant tech gadget upgrading and the advantages of doing that, but the same advice could apply to almost any type of nonessential purchase. We take a look at a story from money.cnn.com on how to Never pay retail again. We discuss the writer’s use of coupons for both online and offline purchases and using the price matching and price beating guarantees that stores offer. We mention ways to check on price drops after purchase so that you can get the difference refunded like PriceProtectr.com. Then we look at haggling and how it can save you money in places other than flea markets, garage sales and car lots. Last we tackle some meaty topics in two pieces of feedback we received from our listeners. The first is from Marci, asking about investing, IRAs & financial advisors. The second is from Justin, calling me out on not mentioning that Paul Navone, the $11/hr millionaire mentioned in MOB #26, made the majority of his money on rental income. podcasts Flying Squirrel Media no no http://www.millionaireorbust.com/archives/mob0032/ http://www.millionaireorbust.com/archives/mob0032/#comments Wed, 04 Jun 2008 23:00:36 +0000 David van Sunder http://www.millionaireorbust.com/?p=52 http://www.millionaireorbust.com/archives/mob0032/feed/ 1 0:35:09 This week we discuss the continuing rise in gas prices. David rants a little about people who swear that they need extremely large SUVs because they have a baby, even though they carry a lot of debt. Next we get into a couple recent articles. The f[...] This week we discuss the continuing rise in gas prices. David rants a little about people who swear that they need extremely large SUVs because they have a baby, even though they carry a lot of debt. Next we get into a couple recent articles. The first article talks about how many consumers are spending their tax rebates to keep up with inflation. The article is from news.yahoo.com. We discuss how some people are spending their rebates. We also look at a couple ways to think about the money you’re receiving, so that you spend it in a way that will maximize your financial situation. Second we discuss an article detailing twelve ways to make saving a habit from finance.yahoo.com. This article has some very good tips. We add our own spin to them and discuss how they can benefit you. podcasts Flying Squirrel Media no no http://www.millionaireorbust.com/archives/mob0031/ http://www.millionaireorbust.com/archives/mob0031/#comments Wed, 28 May 2008 23:00:43 +0000 David van Sunder http://www.millionaireorbust.com/?p=51 http://www.millionaireorbust.com/archives/mob0031/feed/ 0 0:26:56 This week your hosts gasp in shock at the surge in gas prices near their home. David takes a sad, sad stab at acting as he portrays a hippie hating, waster of natural resources. Then Talli helps to deconstruct why his hating ways are hurting only [...] This week your hosts gasp in shock at the surge in gas prices near their home. David takes a sad, sad stab at acting as he portrays a hippie hating, waster of natural resources. Then Talli helps to deconstruct why his hating ways are hurting only him and his pocketbook. Next, Talli and David discuss an article from money.ccn.com entitled “6 Ways You’re Wasting Gas.” They discuss the tips while adding a couple more on how you can reduce your gas usage and save yourself some money. It’s an important subject as gas continues its climb past $4/gal in the US and worse in other parts of the world. Finally, it’s time for your voicemail. This week, we thank Matt from Seattle for his feedback and we look forward to yours on future shows. podcasts Flying Squirrel Media no no http://www.millionaireorbust.com/archives/mob0030/ http://www.millionaireorbust.com/archives/mob0030/#comments Wed, 21 May 2008 23:00:19 +0000 David van Sunder http://www.millionaireorbust.com/?p=50 http://www.millionaireorbust.com/archives/mob0030/feed/ 0 0:22:59 This week we have a little something for everyone. We look at Jack, whose motto is, “Cooking is for suckers.” We discuss how his outlook on home food preparation vs. restaurants and highly processed prepared foods could be limiting his [...] This week we have a little something for everyone. We look at Jack, whose motto is, “Cooking is for suckers.” We discuss how his outlook on home food preparation vs. restaurants and highly processed prepared foods could be limiting his wealth. We also question some of his assumptions on how economical fast food is. Next, we attack a short article from WCTV about the low price of fast food in Tallahassee and how some Tallahassee residents say they get the most out of their dollar at fast food restaurants. We discuss how the supposed money savings that are derived, might in fact be driving higher expenses for those same people in the future. Last, we look at an article from Yahoo! News about how Alabama sheriffs feed inmates on $1.75 a day. We discuss how they do it and how they probably should be spending more on food than that. More importantly, we discuss how their ability to keep food spending so low shows that there might be some room in your food budget to save some additional money. Book mentioned about fast food: Fast Food Nation – Good book Movie based on Fast Food Nation: Fast Food Nation DVD – We’ve never watched it, but are going to now that we’ve found it. Movie mentioned on the effects of fast food: Super Size Me – Great movie. It’s informative and entertaining. podcasts Flying Squirrel Media no no http://www.millionaireorbust.com/archives/mob0028/ http://www.millionaireorbust.com/archives/mob0028/#comments Wed, 07 May 2008 21:00:39 +0000 David van Sunder http://www.millionaireorbust.com/?p=48 http://www.millionaireorbust.com/archives/mob0028/feed/ 0 0:28:31 This episode we examine Lisa and Ben. They are a couple that purchased duplexes as rental units in order to generate passive income. Unfortunately, they didn’t do enough due diligence prior to their purchase and ended up losing money on thei[...] This episode we examine Lisa and Ben. They are a couple that purchased duplexes as rental units in order to generate passive income. Unfortunately, they didn’t do enough due diligence prior to their purchase and ended up losing money on their rentals. Worse yet, the housing market took a downturn right before they needed to sell their properties, putting them in the position of selling them at a loss. We also discussed an article that talked about Food Hoarding. It was an interesting take on the advantages of food hoarding as opposed to bank savings accounts in trying to maximize your financial wellbeing. While we didn’t quite agree with the article, it provided some interesting food for thought. We’d like to know what our audience is thinking and what we could do to add some more value to our podcast that would help you with your finances. Please contact us and let us know your thoughts. You can contact us by: phone: (206) 333-0205 email: info at millionaireorbust dot com Twitter: Twitter.com/MOB_David Music for the podcast was provided by the Podshow Podsafe Music Network Intro: Money by The RedLine Outro: Money by Theory In Motion podcasts Flying Squirrel Media no no http://www.millionaireorbust.com/archives/mob0027/ http://www.millionaireorbust.com/archives/mob0027/#comments Wed, 30 Apr 2008 23:00:55 +0000 David van Sunder http://www.millionaireorbust.com/?p=47 http://www.millionaireorbust.com/archives/mob0027/feed/ 0 0:31:20 This episode we discussed an article we found on money.cnn.com that briefly discussed whether or not we might be in a recession. We used that as a jumping off point to explore how being in a recession could work in your favor. We also discussed an[...] This episode we discussed an article we found on money.cnn.com that briefly discussed whether or not we might be in a recession. We used that as a jumping off point to explore how being in a recession could work in your favor. We also discussed an article by Kate Perry on News.com.au that talked about Freegans and Table Divers in Australia. It was some nice lighter fare after talking about recessions and explored the depths that some people might descend to in order to save some money. We’re still tweaking the format of the show, so let us know what you like, don’t like or what you think we could add to make the show more useful for you. Post your suggestions in the show notes or check out our contact information and leave us a voicemail or an email. For those of you on Twitter, you can follow David at Twitter.com/MOB_David. As interesting information comes up regarding finances, he’ll be posting tweets. Thanks for listening! Music for the podcast was provided by the Podshow Podsafe Music Network Intro: Money by The RedLine Outro: Money by Theory In Motion podcasts Flying Squirrel Media no no http://www.millionaireorbust.com/archives/mob0023/ http://www.millionaireorbust.com/archives/mob0023/#comments Fri, 10 Nov 2006 20:16:25 +0000 David van Sunder http://www.millionaireorbust.com/2006/11/10/show23-millionaire-or-bust-utilities-pt3/ http://www.millionaireorbust.com/archives/mob0023/feed/ 0 0:06:34 Topic of the Week This week is Part 3 of our utility saving special. We’ll be focusing on ways that you can save more money by planning your water usage and making the right decisions. Money Saving Tips Money Saving Tip Don’t water larg[...] Topic of the Week This week is Part 3 of our utility saving special. We’ll be focusing on ways that you can save more money by planning your water usage and making the right decisions. Money Saving Tips Money Saving Tip Don’t water large groups of plants that are spread out using sprinklers. Use a drip system that delivers water only to the plants you’re watering, not to the bare ground and any weeds that might be sprouting there as well. Talli’s Tightwad Tip of the Week Don’t run the water faucet while you’re shaving or brushing your teeth. Just turn on the water when you need it. Tool of the Week Dripping Faucet Waste Calculator This handy calculator tells you how much of your water bill those dripping faucets are contributing to. If you fix them, you can see how much you might be able to save. Financial Psychology This is the segment where we examine a mindset or a way of looking at your finances that will set you up well for building wealth… This week we’re going to look at how the tips we’ve gone over during the last few weeks can be used to turn you into a millionaire. podcasts Flying Squirrel Media no no http://www.millionaireorbust.com/archives/mob0022utilities-pt2/ http://www.millionaireorbust.com/archives/mob0022utilities-pt2/#comments Sat, 04 Nov 2006 02:31:57 +0000 David van Sunder http://www.millionaireorbust.com/2006/11/03/show22-millionaire-or-bust-utilities-pt2/ http://www.millionaireorbust.com/archives/mob0022utilities-pt2/feed/ 0 0:08:30 Topic of the Week This week is Part 2 of our utility saving special. We’ll be focusing on ways that you can save more money by planning your phone usage and making the right decisions. Money Saving Tips Money Saving Tip of the Week Don[...] Topic of the Week This week is Part 2 of our utility saving special. We’ll be focusing on ways that you can save more money by planning your phone usage and making the right decisions. Money Saving Tips Money Saving Tip of the Week Don’t know who’s calling you on your cell phone? Low on minutes? Let it go to voicemail and check your voicemail by calling into your voicemail box from home or at night when you have free minutes. That way you don’t waste precious minutes on a telemarketer. Most of the time, they won’t even leave a message. So no need for them to use your minutes. Talli’s Tightwad Tip of the Week E-mail friends instead of long distance calls. You can really save a lot of money if you call a little bit less and email a few more times. I’m not saying not to call. You need to talk to your friends, but maybe you can shorten the time since you’re more caught up on the news and the gossip. Tool of the Week www.skype.com Skype is a program that allows you to make phone calls to anyone in the world, for free, using your computer. That is of the other person has skype as well. Skype however can call regular phones as well for a low per minute cost. And until the end of the year, you can call any phone in the US or Canada for free! All that you need is a computer, an internet connection, the skype application which you can download for free and a microphone. Either the built in mic or a better one. Financial Psychology This is the segment where we examine a mindset or a way of looking at your finances that will set you up well for building wealth… This week we’re looking at people who look at their phone bills and say, “Wow that’s expensive, but I need my phones after all.” You have to look at all the services you have on your phones and how much of them you use. Often there is $5 on one bill that can be eliminated, $4 on another one and a couple $2 ones here and there. Next thing you know, you can save $13/month or in other words $156/yr. If you have 10-20 different places in your budget where you can do this, it adds up. Imagine what you could do for your retirement with an additional $1500-3000/yr. Music by Segment Intro: “Money” by Flat Stanley Money Saving Tips: “Save Your Money” by Lee Maddeford Tool of the Week: “A Million Dollars” by Hastings Financial Psychology: “I’m So Broke (I Can’t Even Pay Attention)” by Doug MacLeod Outro: “Millionaire” by Full Nothing podcasts Flying Squirrel Media no no http://www.millionaireorbust.com/archives/show21-millionaire-or-bust-utilities-pt1/ http://www.millionaireorbust.com/archives/show21-millionaire-or-bust-utilities-pt1/#comments Fri, 27 Oct 2006 07:29:34 +0000 David van Sunder http://www.millionaireorbust.com/2006/10/27/show21-millionaire-or-bust-utilities-pt1/ http://www.millionaireorbust.com/archives/show21-millionaire-or-bust-utilities-pt1/feed/ 0 0:08:30 Topic of the Week This week is part 1 of our utility saving special. This week we’ll be focusing exclusively on ways that you can have more money by planning your energy usage and making the right decisions. Money Saving Tips Money Saving Ti[...] Topic of the Week This week is part 1 of our utility saving special. This week we’ll be focusing exclusively on ways that you can have more money by planning your energy usage and making the right decisions. Money Saving Tips Money Saving Tip of the Week Install a digital programmable thermostat in your house – you can buy them at most hardware stores and your local utility might install it free of charge. That way you don’t heat your home when you’re not there or when you’re asleep tucked into your warm bed. Talli’s Tightwad Tip of the Week Install dimmer switches. Benefits – save electricity, nicer ambiance, and the incandescent bulbs don’t burn out as quickly. Tool of the Week http://hes.lbl.gov This website allows you to put in information about your home and how quickly you want a return on your investment on any changes you make for energy efficiency. Then it show you what you can do to save some energy and some money. Financial Psychology Thinking that light or television is only a little bit of energy and what does it matter if you leave it on. You’re right each time, but unfortunately in aggregate you’re wrong. Small changes made to how you use energy could cut your bill by a quarter or even half depending on how you use your energy. Most of the changes won’t even effect your lifestyle, just how much you pay to maintain it. Songs for this podcast brought to you from the Podshow Podsafe Music Network Music by Segment Intro: “Money” by Flat Stanley Money Saving Tips: “Save Your Money” by Lee Maddeford Tool of the Week: “A Million Dollars” by Hastings Financial Psychology: “I’m So Broke (I Can’t Even Pay Attention)” by Doug MacLeod Outro: “Millionaire” by Full Nothing podcasts Flying Squirrel Media no no http://www.millionaireorbust.com/archives/mob0020-spending-money/ http://www.millionaireorbust.com/archives/mob0020-spending-money/#comments Fri, 20 Oct 2006 08:40:13 +0000 David van Sunder http://www.millionaireorbust.com/2006/10/20/show20-millionaire-or-bust-spending-money/ http://www.millionaireorbust.com/archives/mob0020-spending-money/feed/ 0 0:07:15 Topic of the Week Saving money by spending money. People say that to make money you have to spend money. Well to save money you also have to spend money. We’ll talk about how that is true. Money Saving Tips Money Saving Tip of the Week Know [...] Topic of the Week Saving money by spending money. People say that to make money you have to spend money. Well to save money you also have to spend money. We’ll talk about how that is true. Money Saving Tips Money Saving Tip of the Week Know where your cheap gasoline is and plan your fill ups, so you won’t be forced to overpay at the last minute. Talli’s Tightwad Tip of the Week Learn to make soup. It is low-cost, satisfying and it goes a long way. Besides, as the weather gets colder, it feels nice to have a nice warm bowl of soup with dinner or even with lunch sometimes. Tool of the Week www.coolsavings.com This website has hundreds of online and printable coupons that you can use to save yourself some money. So, either click and save or print and save! Financial Psychology Thinking about saving money as deprivation is a big mistake. People that think that way don’t save much or when they have an opportunity to save think of it as them being oppressed. They think it’s not living life when you save. Live every day, but allow yourself to retire and enjoy life as you get older as well. To alleviate these feelings of deprivation, give yourself a monthly allowance that you can spend on anything you want. The rest of the money that’s not spent on bills though, must be saved. Songs for this podcast brought to you from the Podshow Podsafe Music Network Music by Segment Intro: “Money” by Flat Stanley Money Saving Tips: “Save Your Money” by Lee Maddeford Tool of the Week: “A Million Dollars” by Hastings Financial Psychology: “I’m So Broke (I Can’t Even Pay Attention)” by Doug MacLeod Outro: “Millionaire” by Full Nothing podcasts Flying Squirrel Media no no http://www.millionaireorbust.com/archives/show19-millionaire-or-bust-transportation/ http://www.millionaireorbust.com/archives/show19-millionaire-or-bust-transportation/#comments Fri, 13 Oct 2006 14:59:57 +0000 David van Sunder http://www.millionaireorbust.com/2006/10/13/show19-millionaire-or-bust-transportation/ http://www.millionaireorbust.com/archives/show19-millionaire-or-bust-transportation/feed/ 0 0:04:22 Topic of the Week This week we’re going to talk about transportation and your finances. Money Saving Tips Money Saving Tip of the Week Get a cheap little space heater at a garage sale and bring it with you for whatever room you’re in. [...] Topic of the Week This week we’re going to talk about transportation and your finances. Money Saving Tips Money Saving Tip of the Week Get a cheap little space heater at a garage sale and bring it with you for whatever room you’re in. That way you don’t have to heat the whole house. (Especially useful in two story houses where the heat has a tendency to rise quickly leaving the downstairs freezing and the upstairs sweltering.) Talli’s Tightwad Tip of the Week Make your own rags from old towels and clothes that are too worn too donate. Tool of the Week http://www.publictransportation.org/ This website gives you information on all the public transportation options that you have available to you in your community. It’s a good way to save you a little money and maybe reduce your stress and possibly even your commute. Financial Psychology Linking your transportation with image rather than function. Too many people link the way they get to work with their personal perception of themselves or the image that they want others to perceive. It should really be a function of utility and cost. What are you really getting out of your transport. If it’s just a lot of hours behind the wheel of a fancy car and debts, then a book to read and a train ride might be better both for your stress levels and your bank account. How You can Help Us… Please fill out our survey. It won’t cost you anything and all your information is kept anonymous. It’s only five quick questions that you can finish in seconds. Please help us, so that we can get sponsors and can continue to bring you the show. Thank you in advance for your time! podcasts Flying Squirrel Media no no http://www.millionaireorbust.com/archives/show18-millionaire-or-bust-vacations/ http://www.millionaireorbust.com/archives/show18-millionaire-or-bust-vacations/#comments Fri, 06 Oct 2006 15:33:36 +0000 David van Sunder http://www.millionaireorbust.com/2006/10/06/show18-millionaire-or-bust-vacations/ http://www.millionaireorbust.com/archives/show18-millionaire-or-bust-vacations/feed/ 0 0:04:49 Topic of the Week This week we’ll talk about things to consider when going on vacation so that you can save some money or just have a better trip for the same money. Money Saving Tips Money Saving Tip of the Week Bring some snacks or meals w[...] Topic of the Week This week we’ll talk about things to consider when going on vacation so that you can save some money or just have a better trip for the same money. Money Saving Tips Money Saving Tip of the Week Bring some snacks or meals with you when you travel. Especially now that a lot of airlines won’t be serving you meals. Luckily the airline will still provide you with a drink on the flight, especially with the current restrictions that won’t allow you to bring your own drinks on the flight. Talli’s Tightwad Tip of the Week If you buy lots of bottled water on your trips normally, pack a few into your checked baggage if you have room. Even if you can only bring a couple, you won’t have to search for a reasonably priced place to buy one right away. You’ll save yourself a few bucks that you can spend on something more fun. Tool of the Week www.fodors.com This travel site gives you a lot of information about destinations you might be considering, restaurants and hotels that are available there and prices. You’re better off looking elsewhere for deals, but they have lots of great information. Financial Psychology Picking a date to travel based on a good time for you and a location to travel to based on the place you most want to go to. You should probably only do one or the other. Otherwise, you might be traveling to a location at the most expensive time. Talli and I have learned that if you plan appropriately with location and time you can often get two vacations for the price of one. So, you can either travel twice as much or spend half as much. Either way, you’re ahead. Either in trips or money. How You can Help Us… Please fill out our survey. It won’t cost you anything and all your information is kept anonymous. It’s only five quick questions that you can finish in seconds. Please help us, so that we can get sponsors and can continue to bring you the show. Thank you in advance for your time! podcasts Flying Squirrel Media no no http://www.millionaireorbust.com/archives/show17-millionaire-or-bust-buying-vs-renting/ http://www.millionaireorbust.com/archives/show17-millionaire-or-bust-buying-vs-renting/#comments Fri, 29 Sep 2006 20:32:50 +0000 David van Sunder http://www.millionaireorbust.com/2006/09/29/show17-millionaire-or-bust-buying-vs-renting/ http://www.millionaireorbust.com/archives/show17-millionaire-or-bust-buying-vs-renting/feed/ 0 0:05:12 Topic of the Week This week we talk about buying a home vs. renting. We discuss a lot of the factors that you need to consider before making the decision. Money Saving Tips Money Saving Tip of the Week I found that washing in cold water all the t[...] Topic of the Week This week we talk about buying a home vs. renting. We discuss a lot of the factors that you need to consider before making the decision. Money Saving Tips Money Saving Tip of the Week I found that washing in cold water all the time can save you almost $25 on your energy bill every month if you do a lot of loads. The secret with detergent: less is more. I only use one cap full on a full load. Using too much soap is wasteful and requires more rinsing, which in turn uses more water and time which will cost you more on electricity. Talli’s Tightwad Tip of the Week Reuse Ziplock bags. Wash by hand and let dry. Turn inside out to help dry completely. You won’t have to buy bags as often. Tool of the Week http://new.homefair.com/homefair/usr/rentbuyform.html This website evaluates whether buying or renting is a better decision for you based on several factors. Those factors are: 1. mortgage rate 2. tax bracket 3. property tax 4. expected property appreciation 5. monthly rent 6. how long you plan to live there Financial Psychology This is the segment where we examine a mindset or a way of looking at your finances that will set you up well for building wealth… Needing a house. Don’t think that you need a house by a certain time. Buy a house when it makes financial sense and when you’re ready for it. Go into this purchasing decision with a clear head, thinking about all the financial ramifications. This is one decision that is easy to get emotional about, but it’s probably the biggest purchase you will ever make in your life, so it is very important that you stay rational. How You can Help Us… Please fill out our survey. It won’t cost you anything and all your information is kept anonymous. It’s only five quick questions that you can finish in seconds. Please help us, so that we can get sponsors and can continue to bring you the show. Thank you in advance for your time! podcasts Flying Squirrel Media no no http://www.millionaireorbust.com/archives/show16-millionaire-or-bust-purchasing-cars/ http://www.millionaireorbust.com/archives/show16-millionaire-or-bust-purchasing-cars/#comments Fri, 22 Sep 2006 07:24:20 +0000 David van Sunder http://www.millionaireorbust.com/2006/09/22/show16-millionaire-or-bust-purchasing-cars/ http://www.millionaireorbust.com/archives/show16-millionaire-or-bust-purchasing-cars/feed/ 4 0:06:33 Topic of the Week The topic of the week is car purchasing. What should you look at before buying a vehicle. http://www.consumerreports.org/ (It’s not free, it’s $26/yr, but it could be well worth it.) Money Saving Tips Money Saving Ti[...] Topic of the Week The topic of the week is car purchasing. What should you look at before buying a vehicle. http://www.consumerreports.org/ (It’s not free, it’s $26/yr, but it could be well worth it.) Money Saving Tips Money Saving Tip of the Week Put an insulation blanket on your water heater. It will reduce your heating bill. Talli’s Tightwad Tip of the Week Take your grocery sacks back to the store and reuse them. Some stores may give you cash back. “Reduce Reuse Recycle.” Tool of the Week www.leaseguide.com This website tells you all about how leases work, whether or not you should buy or lease a car for your personal situation and things to think about when you are contemplating leasing. Financial Psychology Schedule times to go out to dinner and stick to it. Don’t just stare at each other and say, “nothing at home sounds good to eat, let’s go out to ___________.” Once we start doing that it occurs more frequently. How You can Help Us… Please fill out our survey. It won’t cost you anything and all your information is kept anonymous. It’s only five quick questions that you can finish in seconds. Please help us, so that we can get sponsors and can continue to bring you the show. Thank you in advance for your time! podcasts Flying Squirrel Media no no http://www.millionaireorbust.com/archives/show15-millionaire-or-bust-debt/ http://www.millionaireorbust.com/archives/show15-millionaire-or-bust-debt/#comments Fri, 15 Sep 2006 07:28:36 +0000 David van Sunder http://www.millionaireorbust.com/2006/09/15/show15-millionaire-or-bust-debt/ http://www.millionaireorbust.com/archives/show15-millionaire-or-bust-debt/feed/ 1 0:07:07 Topic of the Week The topic of the week is good debt vs. bad debt. What are they? Money Saving Tips Money Saving Tip of the Week buy cleaners in bulk or large refill containers and consolidate your cleaners down to a few different ones rather than[...] Topic of the Week The topic of the week is good debt vs. bad debt. What are they? Money Saving Tips Money Saving Tip of the Week buy cleaners in bulk or large refill containers and consolidate your cleaners down to a few different ones rather than one for each specific application. It is cheaper to use a few than a separate one for each. Plus the highly specific cleaners tend to be more expensive. Talli’s Tightwad Tip of the Week This is the segment for those people that want to go the extra mile to save those extra pennies. Make your own household cleaners. They’re much cheaper and they can be more healthy for you as well. For more info, you can check our website for a link to a page telling you how to make them yourselves. They’re easy to make, cheap and quite often as effective as the much harsher cleaners that you buy at the store. For more information you can check out Talli’s health podcast, “Being Healthy with Talli”. She dedicated Show #15 to the topic. Listener Question Question: In the same show, you talk about getting and using credit cards, yet your stat of the week tells of a poor saving rate. I like the premise of your show, but can’t reconcile “millionaire with credit cards”. When is your show on debt? Answer: Having credit cards doesn’t make one a millionaire or make one broke. Having said that, many people do misuse credit cards. They’re primarily good as a means to pay for things that you will pay off at the end of the month, but don’t want to carry enough cash to pay for, such as televisions or plane tickets. I prefer that people use credit cards with points associated with them rather than ones without, since they actually earn something with them. However, spending extra on your credit card to get points would be counter to what we want to achieve. Many people misuse credit cards. We touched on credit card debt briefly in show #7, so you can see what we have on it there and mentioned debt it in the course of multiple shows. As for a show dedicated to debt, I agree with you that it needs to be covered and so today we will. This will, by no means be an exhaustive show on the topic but merely the beginning of an important dialogue. Thanks for listening Bryan and we appreciate your post. Tool of the Week Cost of living calculator This calculator is good for someone who is contemplating moving to a different city. It will tell you how far your money will go in that new city. So, you’ll know with that new job whether or not you can live better or worse than you do where you are now with the income you have now. Financial Psychology This is the segment where we examine a mindset or a way of looking at your finances that will set you up well for building wealth… Why do you eat out? What do you like about it? Can you replicate it for less money? Often people eat out because they think it’s faster. When they do the math though, they find out that it might take the same amount of time or longer than making a simple dish at home and cost more. So, give that a thought when you’re thinking about eating out to save time. podcasts Flying Squirrel Media no no http://www.millionaireorbust.com/archives/show14-millionaire-or-bust-gambling/ http://www.millionaireorbust.com/archives/show14-millionaire-or-bust-gambling/#comments Thu, 07 Sep 2006 21:41:38 +0000 David van Sunder http://www.millionaireorbust.com/2006/09/07/show14-millionaire-or-bust-gambling/ http://www.millionaireorbust.com/archives/show14-millionaire-or-bust-gambling/feed/ 0 0:05:50 Topic of the Week This week, we’re going to talk about gambling and ways to think about it if you just can’t keep yourself from doing it. Money Saving Tips Money Saving Tip of the Week Pay bills online via the creditor’s website. [...] Topic of the Week This week, we’re going to talk about gambling and ways to think about it if you just can’t keep yourself from doing it. Money Saving Tips Money Saving Tip of the Week Pay bills online via the creditor’s website. This will give you a few bonuses. You’ll save time and you’ll save some money on checks and stamps. I know it doesn’t sound like much, but if you pay a lot of bills every month, that could be a few dollars each month. Talli’s Tightwad Tip of the Week Cook with covered pots. It takes much less energy to cook if the pot is covered. So, you’ll save a little more on your electricity or gas bill. Listener Question Question: If I have a Upromise account and a Citi dividend card, do i get cash back through the credit card and also through Upromise, or will they consider only one of them? Is it double dipping? Answer: You’ll get cash back and the cash put into the Upromise account. Nice double benefit there! Enjoy. Tool of the Week 10 Best Casino Bets This website gives you a list of the best bets at the casino. Don’t confuse that with good bets. They’re just the best ones. You’re better off passing on the betting altogether. Financial Psychology This is the segment where we examine a mindset or a way of looking at your finances that will set you up well for building wealth… Save first and automatically. Set a certain amount of money every month for savings or investing. The first bill you pay is your investments. If you wait until you pay all your bills first, you’ll find that you never have anything left to invest. If you pay yourself first, you’ll find yourself adjusting your spending to the new lower amount you have left for your bills. podcasts Flying Squirrel Media no no http://www.millionaireorbust.com/archives/show13-millionaire-or-bust-healthcare/ http://www.millionaireorbust.com/archives/show13-millionaire-or-bust-healthcare/#comments Fri, 01 Sep 2006 15:10:13 +0000 David van Sunder http://www.millionaireorbust.com/2006/09/01/show13-millionaire-or-bust-healthcare/ http://www.millionaireorbust.com/archives/show13-millionaire-or-bust-healthcare/feed/ 1 0:05:11 Topic of the Week This week we’re going to talk about healthcare and why it’s important that you make sure you have it, no matter the cost, as well as a few ways you might be able to get it easier or cheaper. Weekly Statistic Nearly 46 [...] Topic of the Week This week we’re going to talk about healthcare and why it’s important that you make sure you have it, no matter the cost, as well as a few ways you might be able to get it easier or cheaper. Weekly Statistic Nearly 46 million Americans don’t have health care. Money Saving Tips Money Saving Tip of the Week Christmas/birthday shop all year round. Scout out sales with potential recipients in mind. You’ll save money on those last minute purchases, not to mention stress. Besides, you can avoid the congested malls during the season. Talli’s Tightwad Tip of the Week Measure everything, whether it is soap powder or flour. Dumping or pinches normally uses more than is necessary. You’d be surprised how every little bit adds up, especially with items you use a lot or expensive spices. Tool of the Week www.carfax.com With carfax.com you can get detailed reports on the used car you’re looking at to make sure that it isn’t a lemon. It will tell you what the car has gone through, floods, fire, car crash, etc. Often a carfax report is available with a used car for free. If it isn’t, ask the seller to pay for one. Financial Psychology This is the segment where we examine a mindset or a way of looking at your finances that will set you up well for building wealth… Limit television viewing. This frees up time to improve your life and saves you from the effects of marketing. Commercials infiltrate your subconscious even when you’re not paying attention to them, making you spend more. So, if you’re watching television, skip the commercials if you can or just mute them and ignore them. podcasts Flying Squirrel Media no no http://www.millionaireorbust.com/archives/show12-millionaire-or-bust-email-scams/ http://www.millionaireorbust.com/archives/show12-millionaire-or-bust-email-scams/#comments Fri, 25 Aug 2006 10:27:26 +0000 David van Sunder http://www.millionaireorbust.com/2006/08/25/show12-millionaire-or-bust-email-scams/ http://www.millionaireorbust.com/archives/show12-millionaire-or-bust-email-scams/feed/ 2 0:07:41 Topic of the Week This week we’ll talk about email scams, what they are, what to look for and how they can destroy your financial situation. Money Saving Tips Money Saving Tip of the Week Travel abroad rather than traveling in your home count[...] Topic of the Week This week we’ll talk about email scams, what they are, what to look for and how they can destroy your financial situation. Money Saving Tips Money Saving Tip of the Week Travel abroad rather than traveling in your home country if you have a stronger currency than the country you’re going to. A trip we took to Beijing, China cost us less overall than a trip that we had been thinking of taking to the Grand Canyon, even after souvenirs. Talli’s Tightwad Tip of the Week When you’re getting down to the bottom of a bottle of liquid soap, shampoo or conditioner, you can add a little water to the bottle, shake it vigorously and then pour as much of the product as you need where you need it. You can get a few extra uses from the bottle, saving you a little bit over time and reducing waste. Money Making Tip Carpool with some of your coworkers. Either you can alternate days and save some money, or you can drive everyday and collect money for the gas and wear and tear on your car. You can get more than driving costs you. Tool of the Week www.epinions.com A website that you can use to evaluate the products so that you can get better value for your money. A penny saved is a penny earned Financial Psychology This is the segment where we examine a mindset or a way of looking at your finances that will set you up well for building wealth… Gotten a windfall? Inheritance, gift, gambling winnings, lottery? Set a certain percentage of these that you are allowed to spend. Put the rest into a high yield savings account and increase your monthly investments to account for it. A windfall helps to secure you future. podcasts Flying Squirrel Media no no http://www.millionaireorbust.com/archives/show11-millionaire-or-bust-money-saving-tips-part-2/ http://www.millionaireorbust.com/archives/show11-millionaire-or-bust-money-saving-tips-part-2/#comments Fri, 18 Aug 2006 07:18:32 +0000 David van Sunder http://www.millionaireorbust.com/2006/08/18/show11-millionaire-or-bust-money-saving-tips-part-2/ http://www.millionaireorbust.com/archives/show11-millionaire-or-bust-money-saving-tips-part-2/feed/ 5 0:05:06 Topic of the Week This show is the second of a two part series we like to call our “Summer Money Savings Extravaganza.” We’ll be featuring five money saving tips and five of Talli’s Tightwad Tips. So, stay subscribed to the podcast[...] Topic of the Week This show is the second of a two part series we like to call our “Summer Money Savings Extravaganza.” We’ll be featuring five money saving tips and five of Talli’s Tightwad Tips. So, stay subscribed to the podcast and save some money… Money Saving Tips Money Saving Tip of the Week 1.Avoid bars and clubs if you’re just going to hang out with friends. Have house parties and buy drinks. It’s much cheaper. It can also be a lot more fun. 2.Don’t drink, don’t smoke. They cost money which need not be spent. You will also be healthier, which means lower health care costs for yourself. If you won’t (or can’t) quit, just drink or smoke less. 3.Cut down on your paper usage. Use rags instead of paper towels. 4.Use reusable cups, plates and utensils rather than disposable ones. Often you can find ones that are cheap enough that you can have enough for a party. Plus the utensils won’t break and you won’t cut through your plate. Then you can just load up the dishwasher. It’s not much more work… 5.Buy movie, amusement park, convention center or ski lift tickets at the local community college or grocery store. Talli’s Tightwad Tip of the Week 1.Don’t go to full-price movies. If movies are part of your life, downscale to matinées or the second-run theaters. 2.Be careful buying items at big bulk warehouse stores. The items are often more expensive than they would be at conventional stores when they are on sale. You’re better off stocking up on them during sales and replenishing whenever you see a sale. 3.Turn off lights and anything electrical behind you, you’d be surprised how much that can save you, especially when it comes to televisions. 4.Fresh parsley and some other herbs keeps longer if set in a cup of water in the refrigerator. Mushrooms keep over a week if transferred into a paper bag. So, store your food properly, cut down waste and reduce your food bills. 5.Buy clothes at the end of the season so that you can buy them at their lowest price during a closeout sale. Next Week We hope you enjoyed our two part summer money savings extravaganza. Next week we’ll be returning to the old format. If you have any feedback on the old or new formats though, please contact us by email at info@millionaireorbust.com. We can’t improve the show if you don’t let us know what you do and don’t like. podcasts Flying Squirrel Media no no http://www.millionaireorbust.com/archives/show10-millionaire-or-bust-money-saving-tips-part-1/ http://www.millionaireorbust.com/archives/show10-millionaire-or-bust-money-saving-tips-part-1/#comments Fri, 11 Aug 2006 07:06:40 +0000 David van Sunder http://www.millionaireorbust.com/2006/08/11/show10-millionaire-or-bust-money-saving-tips-part-1/ http://www.millionaireorbust.com/archives/show10-millionaire-or-bust-money-saving-tips-part-1/feed/ 2 0:05:45 Topic of the Week This show is the first of a two part series we like to call our “Summer Money Savings Extravaganza.” We’ll be featuring five money saving tips and five of Talli’s Tightwad Tips. So, stay subscribed to the podcast [...] Topic of the Week This show is the first of a two part series we like to call our “Summer Money Savings Extravaganza.” We’ll be featuring five money saving tips and five of Talli’s Tightwad Tips. So, stay subscribed to the podcast and save some money… Money Saving Tips Money Saving Tip of the Week 1.Extinguish those pilot lights now that warm weather is here. We were paying about $5 per pilot light per month to keep them going. We have two. This has saved us over $10/month. Gas logs also have a pilot light. Make sure you do it properly. Follow instructions. If you don’t know how to do it properly, have someone who does, do it for you. 2.When vacationing, fill a cooler with lunch meats, bread and assorted snacks and eat those instead of eating at a restaurant. If you eat dinner out share a meal and drink water, often the meals are too big for one person anyway. You’ll keep your budget under control and eat healthier than if you had eaten out all three meals. 3.If you do want to buy magazines, get a subscription, don’t pay newsstand prices. Or read them for less or even for free online. 4.If hairdressing prices are gnawing a hole in the budget, go to a beauty school or a vo-tech school. You can get lower prices if students do your hair. 5.Turn down your thermostat at night and when you are at work during the colder months and turn it up at night and when you are at work during the hotter months to minimize the unnecessary use of A/C. Talli’s Tightwad Tip of the Week 1.Turn off the water while you brush your teeth. You’ll save some money on the water. 2.Not all fun activities have to cost money. Go to the park for entertainment. Go hiking, go biking or take a walk, especially somewhere scenic. You’ll enjoy it more than you expect. 3.Close your blinds. During the day it will keep the house cooler, and at night it will keep the house warmer. 4.Shop at outlets. Shop garage sales and thrift stores. Don’t pay full price and you’ll be able to afford what you want, while still saving some of your money. Remember though, that doesn’t give you permission to buy more. The savings are for your future, not presents for yourself… 5.Drive fewer miles. Walk or bicycle whenever possible. If you can’t walk or bicycle, practice trip chaining. Do several errands at once rather than doing them all separately. Next Week Next week will be like this week. It’s our summer money savings extravaganza. For those of you who are parents, we’re saving you money to prepare for back to school, which is coming up quickly. Since we’ve accumulated more money saving tips than we can cram into normal shows, Talli and I are going to bring you 10 more money saving tips next week. Don’t worry though if you like the old format, we’ll be getting back to it. If you have any feedback on the old or new formats though, please contact us by email at info@millionaireorbust.com. We can’t improve the show if you don’t let us know what you do and don’t like. podcasts Flying Squirrel Media no no http://www.millionaireorbust.com/archives/show9-millionaire-or-bust-gardening/ http://www.millionaireorbust.com/archives/show9-millionaire-or-bust-gardening/#comments Fri, 04 Aug 2006 07:34:37 +0000 David van Sunder http://www.millionaireorbust.com/2006/08/04/show9-millionaire-or-bust-gardening/ http://www.millionaireorbust.com/archives/show9-millionaire-or-bust-gardening/feed/ 4 0:05:27 Topic of the Week This will be a themed show. We’ll be talking about gardening and how it can both save you and make you a lot of money. Money Saving Tips Money Saving Tip of the Week Grow your own flowers and decorative plants. You can giv[...] Topic of the Week This will be a themed show. We’ll be talking about gardening and how it can both save you and make you a lot of money. Money Saving Tips Money Saving Tip of the Week Grow your own flowers and decorative plants. You can give flowers and plants as gifts. You just need to go to your closest garden center or craft outlet and get a nice pot or vase for a few dollars. It’s cheaper than buying flowers at the store for gifts. Talli’s Tightwad Tip of the Week Grow your own vegetables and fruits. You can save yourself some money and your food will taste a lot better since it is picked fresh and eaten fresh. Financial Psychology Don’t avoid taking care of your financial situation because it takes time and you’re tired from working. This is the wrong attitude. The goal is to take care of your finances so that they take care of you. A few hours every few months could mean years less working or a much more comfortable retirement. So, put some time aside, put on some music and get yourself a cold drink or hot drink depending on when you’re listening to this and make your money work for you. Tool of the Week Morningstar IRA Calculator Designed to show you which type of IRA you are eligible for, compare various scenarios to find out which type of IRA works best for you and find out whether it makes sense to convert a Traditional IRA you already have to a Roth IRA. Next Week The next couple weeks will be a bit different. It’s summer, so we thought we needed to do something special. Since we’ve accumulated more money saving tips than we can cram into our normal shows, Talli and I are going to have two shows that are dedicated solely to hitting 5-10 money saving tips per show. Don’t worry though if you like the old format, we’ll be getting back to it. If you have any feedback on the old or new formats though, please email us at info@millionaireorbust.com. We can’t improve the show if you don’t let us know what you do and don’t like. podcasts Flying Squirrel Media no no http://www.millionaireorbust.com/archives/show8-millionaire-or-bust-college/ http://www.millionaireorbust.com/archives/show8-millionaire-or-bust-college/#comments Fri, 28 Jul 2006 07:05:29 +0000 David van Sunder http://www.millionaireorbust.com/2006/07/28/show8-millionaire-or-bust-college/ http://www.millionaireorbust.com/archives/show8-millionaire-or-bust-college/feed/ 1 0:04:41 Topic of the Week This week we talk about college savings and programs that can help you do that. Below is a link to the Fool website that discusses different programs that are available: Fool.com Money Saving Tips Money Saving Tip of the Week Bri[...] Topic of the Week This week we talk about college savings and programs that can help you do that. Below is a link to the Fool website that discusses different programs that are available: Fool.com Money Saving Tips Money Saving Tip of the Week Bring your drinks to work. Bringing your own drinks is cheaper than buying them at Starbucks or the vending machine. One Starbucks coffee and two sodas a day can cost you an extra $875/yr per person…That’s a lot extra you can invest. Talli’s Tightwad Tip of the Week Bring your lunch to work. You can save between $15-40/wk per person That’s $750-2000/yr per person. Combined with bringing your drinks, you can save at least $1500 and maybe almost $3000 for one person. With two people…you do the math. It’s a huge savings and well worth it. Financial Psychology Thinking, “That won’t save me much. What’s a dollar here or there?” Add up all those items and they might translate into a couple hundred a month, or even several hundred a month. At the end of the year, those small savings which weren’t that painful anyway, might leave you with several thousand dollars of savings. Tool of the Week www.insweb.com This site is dedicated to helping you compare insurance companies, so that you can get the best rate. Give it a try. It’s free and it could save you some money. podcasts Flying Squirrel Media no no http://www.millionaireorbust.com/archives/show7-millionaire-or-bust-first-steps/ http://www.millionaireorbust.com/archives/show7-millionaire-or-bust-first-steps/#comments Fri, 21 Jul 2006 07:07:28 +0000 David van Sunder http://www.millionaireorbust.com/2006/07/21/show7-millionaire-or-bust-first-steps/ http://www.millionaireorbust.com/archives/show7-millionaire-or-bust-first-steps/feed/ 0 0:07:23 Topic of the Week This week we talk about the first step towards building wealth. For those of you with credit card debt, paying that off is what we’ll be talking about. Money Saving Tips Money Saving Tip of the Week Replace all the incandes[...] Topic of the Week This week we talk about the first step towards building wealth. For those of you with credit card debt, paying that off is what we’ll be talking about. Money Saving Tips Money Saving Tip of the Week Replace all the incandescent light bulbs in your house with fluorescent. The price has really come down and the quality and selection are great. Not only will you save money on your electricity bills (within the first year after the cost of the bulbs), but they last up to ten times longer. Shop for ones with guarantees – some are for as long as five years. Fluorescents will cost you less in the long run. They will also help keep your house cooler in the summer — another savings if you use air conditioning. Bulbs are now made to fit into regular sockets and come in every brightness you could ask for. Talli’s Tightwad Tip of the Week To see your electric bill take a nosedive, make it a habit to unplug non-essential appliances when not in use. When away from home or on vacation, these appliances can add dollars to your electric bill. It’s worth the extra savings. Money Making Tip Craigslist.org Sell some of the larger items you have that you don’t want on Craigslist.org. You’ll get a lot more for them than you would at a garage sale, especially if you set a price ahead of time. It’ll get you more than you would at a garage sale, save you time and be easier than trying to sell furniture on eBay. Tool of the Week Credit Card Minimum Payment Interest Calculator This tool will tell you how much interest you will pay if you only pay the minimum on your credit card. It will also tell you how long it will take to pay off your debt. This way you can see how much your debt is costing you. Financial Psychology This week we talk about putting purchases in perspective. How long do you have to work to make enough to buy an item? Remember to use your after tax income for this calculation. A $50,000 income might only become $36,000 after taxes in some states. A $1000 purchase here in the bay area becomes $1087.50 after sales tax. With those numbers, you would need to work for 63 hours to pay for that item. Is it worth it at that price. That’s your call. If it is, buy it. If not, don’t. Make frugal choices, but ones you can live with, so you don’t feel deprived. podcasts Flying Squirrel Media no no http://www.millionaireorbust.com/archives/show6-millionaire-or-bust-compounding/ http://www.millionaireorbust.com/archives/show6-millionaire-or-bust-compounding/#comments Fri, 14 Jul 2006 18:33:34 +0000 David van Sunder http://www.millionaireorbust.com/2006/07/14/show6-millionaire-or-bust-compounding/ http://www.millionaireorbust.com/archives/show6-millionaire-or-bust-compounding/feed/ 0 0:07:19 Topic of the Week This week we talk about the magic of compounding. Money Saving Tips Money Saving Tip of the Week Going to purchase something? Go to the website of the manufacturer of the item and the retailer you are going to shop at. Many com[...] Topic of the Week This week we talk about the magic of compounding. Money Saving Tips Money Saving Tip of the Week Going to purchase something? Go to the website of the manufacturer of the item and the retailer you are going to shop at. Many companies have internet coupons or rebates that you can print up and use that will save you money. Talli’s Tightwad Tip of the Week Spending too much on entertainment? Go to the library. Most libraries have movies that you can borrow as well as cds. So instead of buying movies, cds and books you can borrow them from the library and only buy the ones you really love and have to have. Money Making Tip Invest on an ongoing basis, so that you can dollar cost average. What should you invest in? For that I recommend you consult with a financial advisor. The big key is that you invest continually and automatically so that you budget your investments into your budget. Tool of the Week Millionaire Calculator Financial Psychology Keep letting your means outpace your lifestyle. Bank/Invest your raises. This way you can increase your investing as you increase your wages. Announcement Please tune in to Talli’s other podcast Being Healthy with Talli. It’s a great short podcast dedicated to teaching you how to improve and maintain your health. podcasts Flying Squirrel Media no no http://www.millionaireorbust.com/archives/show5-millionaire-or-bust-real-estate/ http://www.millionaireorbust.com/archives/show5-millionaire-or-bust-real-estate/#comments Fri, 07 Jul 2006 16:54:03 +0000 David van Sunder http://www.millionaireorbust.com/2006/07/07/show5-millionaire-or-bust-real-estate/ http://www.millionaireorbust.com/archives/show5-millionaire-or-bust-real-estate/feed/ 1 0:08:53 Topic of the Week This week we talk about real estate myths that people fall victim to. Money Saving Tips Money Saving Tip of the Week Make sure you have the appropriate car & homeowner’s insurance. Have a reasonable deductible in order[...] Topic of the Week This week we talk about real estate myths that people fall victim to. Money Saving Tips Money Saving Tip of the Week Make sure you have the appropriate car & homeowner’s insurance. Have a reasonable deductible in order to have lower premiums, especially with older cars that you are more likely to want to replace anyway. Talli’s Tightwad Tip of the Week Going on vacation? Sign up for email notifications from discount travel sites. Often, you can get your flight and hotels for much cheaper than you could get them on your own. They have negotiated deals. Here are a couple sites we use: www.travelzoo.com www.shermanstravel.com Money Making Tip If you have a large emergency fund, maybe putting a portion of it into a cd to earn a higher return on it is a good idea for you. www.scottrade.com (5 month cd 5.31%) www.bankrate.com (to check for rates) Tool of the Week Salvation Army donation valuation tool(value your donations appropriately) Salvation Army Financial Darwinism These might sound common sense, but people do them… People get emotional about investments. Then they buy high and sell low because they don’t have a strategy. Instead of picking good times to buy and sell, they buy when an investment is on fire and sell after it has fallen like a stone for a while. If you don’t know if you should be buying, you shouldn’t be because you’d be gambling. Instead get a yourself a financial adviser. podcasts Flying Squirrel Media no no