Something On My Mind
Business & Finance
About
This is a finance podcast, but cool. We share real-life experiences where David and the producers crack jokes while also diving into financial literacy and success. This podcast finds the perfect balance between having a laugh and getting down to business.
Episodes
- PFT #104 - Personal Finance Tip of the Week: Credit Card Convenience Checks
Do you recall a time where a credit card offer arrived in the mail and blank checks were attached? These are called convenience checks which can be attached with your current credit card or a new company. These blank checks are linked dire…
- PFT#103 - Personal Finance Tip of the Week: Buy Now Pay Later BNPL Services
Buy Now Pay Later Services or BNPL have grown immensely in popularity over the recent years and the appeal is obvious with their convenient alternative to the traditional credit card. So let’s review the main pros and cons.BNPL services of…
- PFT #102 - Personal Finance Tip of the Week: Should Have a Home Warranty?
A home warranty can be a useful financial tool for homeowners, especially when major appliances or home systems unexpectedly break down. (This is where the Rainy Day Fund comes into play that we’ve previously covered in previous topics) Th…
- PFT #101 - Personal Finance Tip of the Week: Can You Afford a Home?
Seeing that 75% of Americans live paycheck-paycheck and can’t afford to retire at 65 years of age, this means that they cannot afford their homes. With this statement you may think that is not right! People stay in their homes without miss…
- PFT #100 - Personal Finance Tip of the Week: Medical Bills, Deductibles and Copays
It’s no secret that medical bills are among the most significant expenses we face in our lifetimes. While we often can’t control the cost, there are several ways to soften the financial impact.Let’s perform a diagnosis—and a treatment plan…
- PFT #99 - Personal Finance Tip of the Week: The Annual Escrow Analysis
For most owners, when they purchase their homes, the monthly mortgage payment is a fixed amount for 30-years and sometimes 15, people still become accustomed to a standard payment each month. On top of the mortgage payment is an escrow acc…
- PFT #98 - Personal Finance Tip of the Week: Can You Find $100 in your Budget?
In the prior personal finance tip #97 which was how to save on the little things, we mentioned how to be awarded with Amazon digital credits for delaying delivery and we mentioned buying a monthly car wash plan. We also covered the value o…
- PFT #97 - Personal Finance Tip of the Week - The Little Things That Save You Money
Website https://www.somethingonmymind.net/ Merchandise https://www.somethingonmymind.net/shop Social Media https://www.instagram.com/somm.podcast/ https://www.youtube.com/channel/UChec5qcZBcGkIhUU3belNDw https://www.tiktok.com/@somm.podcas…
- PFT #96 - Personal Finance Tip of the Week: Navigating the Rising Cost of Auto Insurance
According to Bloomberg, auto insurance rates in the US have increased by 37% since January 2020, and as of December 2024, the trend shows no signs of slowing down.This is understandably concerning. When you factor in car payments, fuel, an…
- PFT #95 - Personal Finance Tip of the Week: The Mortgage Refinance Double Trap
In times of high interest rate environments, most people will not refinance due to the cost. With that being said, circumstances arise to warrant this, such as divorce, marriage or a job relocation. For the most part, people wait for the f…
- PFT #94 - Personal Finance Tip of the Week: The Superbowl, Inflation and Compound Interest
Today is 2/11/24 which is the Superbowl with the Kansas City Chiefs vs. the San Francisco 49’ers and this marks the 57th time that this game will have been played. This is a large amount of years, so we decided to run some math based on th…
- PFT #93 - Personal Finance Tip of the Week: Credit Cards After The Holidays
After the December holidays we often hear people talk in social groups and in the media that the credit card bills are coming due as a result of shopping during the December holidays. Obviously, this means only one thing: that if you have…
- PFT #92 - Personal Finance Tip of the Week: Try Escheating to Find Unclaimed Property
Okay, you’ve got to be escheating me. What on earth does that mean? The definition derives from medieval times, in feudal law. When a landowner (tenant of a fief) died without an heir or committed a felony, a process was needed for the own…
- PFT #91 - Personal Finance Tip of the Week: Gift Card Management
The United States culture tends to recognize many types of celebrations and this has created a common theme of replacing presents with gift cards. They are easy to purchase, simple to use and the beauty is that people can shop for what the…
- PFT #90 - Personal Finance Tip of the Week: Ordering Supplies for Landscaping and General Contractor Jobs
According to Zippia.com, in 2021 the average amount homeowners spent on home improvement was $10,341 which was up 25% from 2021. This makes sense as people spent their cabin fever time improving their homes and now that Covid is more contr…
- PFT #89 - Personal Finance Tip of the Week - Choosing Invisible or Bluetooth Fence for Your Dog
If you have a dog and a fenced-in yard, this helps your furry companion with better overall health as it provides him the ability to be outdoors, exercise and have a consistent marked territory. On the other hand, if you do not have a fenc…
- PFT #88 - Personal Finance Tip of the Week: Knowing When to Refill Your Propane Tank
According to AgHires, Over 74 million Americans grilled out for the 4th of July. Of this food, burgers will be cooked by 85% of people, steak 80%, and chicken 73% and not to mention, 150 million hot dogs. When it comes to grilling, 61% of…
- PFT #87 - Personal Finance Tip of the Week: Rotating Your Furniture Extends Its Life
When it comes to using a couch, sofa or chair, many people simply use it and do not think about maintenance; however, this may leave you with furniture that wears out prematurely. So to avoid this, let’s go through some tips: 1. Rotate and…
- PFT #85 - Personal Finance Tip of the Week: Purchasing Event Tickets and Parking
Even in times of rising inflation, people seem to be going out and spending money. This is likely to occur for some time until things are too expensive and we fall into a recession or in stagflation state. At the moment the world has a han…
- PFT #84 - Personal Finance Tip of the Week: Eco-Firendly Toilets
The Earth might seem like it has abundant water, but in fact less than one percent is available for human use and we are running out of it. So let’s push down the handle on some Flush Facts: According to the EPA, the average American uses…
- PFT #83 - Personal Finance Tip of the Week: Gas Gouging
In times when inflation is rising, we experience higher prices for our goods and services as well as shortages. For example, In the grocery store, we’ve experienced products in limited supply from toilet paper to baby formula. When a desir…
- PFT #82 - Personal Finance Tip of the Week: Better Battery Company's Eco Batteries
This week’s personal finance tip is about Better Battery Co’s Recycling and Delivery Program. Can you imagine how many batteries are in landfills considering every household uses them? According to The California Department of Resources an…
- PFT #81 - Personal Finance Tip of the Week - Cell Phone Insurance
It seems that everyone has a cell phone and back in the day that was the sentiment for owning a television.The difference is that people’s devices are attached to the palm of their hands. The interesting thing is that a cell phone can cost…
- PFT #44 - Personal Finance Tip of the Week: The Cell Phone Wars
It seems that everyone has a cell phone and back in the day that was the sentiment for owning a television.The difference is that people’s devices are attached to the palm of their hands. The interesting thing is that a cell phone can cost…
- PFT #80 - How Rechargeable Batteries Power up Your Budget
When it comes to our finance tips, we haven’t covered reusable batteries as this seems like a no-brainer; and that exactly a case; however, sometimes we need a reminder. Rechargeable batteries have been around since I was a kid in the 70’s…
- PFT #79 - Personal Finance Tip of the Week: Stock Market and Inflation Capitulation
This week’s episode is about the stock market and inflation capitulation. At the time of this recording the stock market as a whole is 20% down from its previous high water mark and inflation hasn’t been this high since Luke and Laura were…
- #142 - The Impact of AI on the Job Market
There is no doubt AI will impact the amount of jobs available in the future and how much money people can make. What jobs are at risk? Social Media https://www.instagram.com/somm.podcast/ https://www.youtube.com/channel/UChec5qcZBcGkIhUU3b…
- PFT #78 - Personal Finance Tip of the Week: How To Stretch a Tank of Gas
The average cost for a gallon of gas as of this recording is $4.22 according to AAA. Not to mention that this has been going on for weeks and it may stay this way for several more cycles. So what can we do to get more out of our tanks of g…
- #136 - The Most Regretful College Career Choices and Careers
We review the top ten worst college degree choices. Social Media https://www.instagram.com/somm.podcast/ https://www.youtube.com/channel/UChec5qcZBcGkIhUU3belNDw https://www.tiktok.com/ @somm.podcast?lang=en https://www.facebook.com/somm.p…
- #135 - The New Climate Change Communities Avoiding Catastrophes
The new climates chage communties are protecting themselves from the results of typical major disastors. Social Media https://www.instagram.com/somm.podcast/ https://www.youtube.com/channel/UChec5qcZBcGkIhUU3belNDw https://www.tiktok.com/…
- #132 - The Best Countries to Live In - Where Does the US Rank?
What is the best country to live in? Hint - it is not the United States. Are you suprised? Social Media https://www.instagram.com/somm.podcast/ https://www.youtube.com/channel/UChec5qcZBcGkIhUU3belNDw https://www.tiktok.com/ @somm.podcast?…
- #130 - NFL Rookies Dinner
Should NFL rookies have to pay $3,000 - $50,000 for hazing dinners with veterans? Social Media https://www.instagram.com/somm.podcast/ https://www.youtube.com/channel/UChec5qcZBcGkIhUU3belNDw https://www.tiktok.com/@somm.podcast?lang=en ht…
- #127 - Goverment Positions Term Limits
Should congress have age and term limits? Is that discriminatory? There are brginning age limits to hold a position so why isn't that the case on when one cannot hold a position? Website: https://www.somethingonmymind.net/ Social Media htt…
- #124 - The 327 Square Foot Apartment Coming to Town Near You
This week we talk about the the future of tiny home apartments where the walls and fixtures move by way of robotics to create five different living spaces. Website: https://www.somethingonmymind.net/ Social Media https://www.instagram.com/…
- #123 - Why People are Leaving California
This week discuss the trend of people leaving California due to the Pandemic, The Great Resignation, Climate and Cost of Living Website: https://www.somethingonmymind.net/ Social Media https://www.instagram.com/somm.podcast/ https://www.yo…
- #121 - The $1.2 Billion Mega Million Winner
What would you do with $1.2 billion? The Mega Millions just had its largest winner ever. Website: https://www.somethingonmymind.net/ Social Media https://www.instagram.com/somm.podcast/ https://www.youtube.com/channel/UChec5qcZBcGkIhUU3bel…
- #120 - Please Don't Invite Me to Your Weeding. I'm Broke
This week we talk about how there are a record number of weddings in 2022 and the people attending them are going broke Website: https://www.somethingonmymind.net/ Social Media https://www.instagram.com/somm.podcast/ https://www.youtube.co…
- PFT #77 - Personal Finance Tip of the Week: Avoiding the Hidden Fees With Goods and Services
This week’s topic is about those pesky fees when paying for good and services. In the digital age with money, there is a 100% chance that you can pay for goods and services electronically. In my case, I pay with a credit card whenever I ca…
- #108 - Are You Saving Enough for Future Retirement? Compound Interest is Your Best Friend
In this week's episode we discuss if are people are saving enough for future retirement. The average American has just over $65,000 in their investment accounts. This is no where near the money that will be needed to retire. Each person sh…
- PFT #76 - Personal Finance Tip of the Week: How to Manage Bonus Checks With Your Retirement Plan
There is nothing wrong when the word “bonus” is used in a sentence. When it comes to money this is even better. According to Zippia.com 33% of companies in the U.S. offer year-end bonuses and 40.5% of all U.S. workers have access to nonpro…
- PFT #75 - Personal Finance Tip of the Week: Are All Inclusive Trips Worth the Money?
Raise your hand if you've been to an all-inclusive trip. I have and I love them. When I think of this type of vacation, I envision the aquamarine water, cooling sand, sensuous smells from the grill and of course, tropical drinks. So a comm…
- #106 – The Recycling Problem
This week's episode is about the recycling problem, specifacally with plastic that is harming our planet. We talk about solutions that exist and what measures can be taken to solve the matter that concerns our precious planet. Are we too l…
- PFT #74 - Personal Finance Tip of the Week: Planning for Gifts in the Monthly Budget
This week’s topic is about planning for gifts in your budget. Right off the bat, think to yourself and ask when is the last time that I purchased a gift for someone. More than likely it has been in the last month. If not, that’s what most…
- #105 - The Biden Billionaire Wealth Tax Bill: What is it and Will it Pass In Congress
Joe Biden's budget proposal for the 2023 fiscal year includes a Billionaire Minimum Income Tax. The budget proposes that all households worth more than $100 million pay at least 20 percent in taxes on both income and unrealized appreciatio…
- PFT #73 - Personal Finance Tip of the Week: Travel Tips Round 2
This week’s topic is about luggage and tolls when traveling. So who's ready for a vacation? I am and I just got back from a recent trip! Now during the course of my freedom I was reminded of a few things that can help you when traveling. T…
- #104 - Michael Unbroken: His Story of Childhood Abuse and How He Became a Successful Entrepreneur
This week's episode conducts and interview with Michael Unbroken: He is the host of the Think Unbroken podcast which centers on child abuse; and he also offers many free and paid healing coaching programs and courses on his website. He has…
- PFT #72 - Personal Finance Tip of the Week - Term Life Insurance is a Low Cost Investment for Your Loved Ones
This week’s topic is term life insurance. One of the most important things that people want to do is protect their family In the unfortunate event when they pass away. One of the easiest ways to do this is term life insurance and costs hav…
- #103 - Crypto Regulation and The United State's Mission to be a Global Leader
This week's episode is about the future of crypto regulation. In time a global structure will be put into place and the United States is seeking to be the leader. With China banning crypto, this opens the door to be a superpower with digit…
- PFT #71 - Personal Finance Tip of the Week: How to Manage Rising Gasoline Prices
This week’s topic is about managing gasoline prices. For the last several years, we have been experiencing stable and low prices at the pump due several reasons including the proper supply and the United State’s ability to produce more cru…
- #102 - The Medical Bill Problem: How to Understand it. Lower It. Manage it.
This week's episode covers the medical debt problem in the United States. About 20% of Millennials and Gen Xer's have defaulted on their bills. We will cover ways to understand your bill and how to ensure that it is accurate. In addition,…