Money Plan SOS Personal Finance
Helping you Pay Attention, Not Interest™
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Are you a half-glass opportunistic investor? Take this short quiz to find out and how you can improve your ability to invest wisely.
• Pessimists, Opportunists, and the Half-Glass Investor Quiz (print here)
• How a GOOD credit score is all you need
• Ponda from the Honda
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Leah Bell, The Angry Grad, did what she thought everyone does: Goes to college to get a degree.
What she didn’t know was her chosen major narrowed her options just before the recession of 2008. Leah is now on a mission to educate others about education.
Interview with Leah Bell, The Angry Grad [00:54]
John Beidel, from Episode 172, wrote a really funny article about Taxes. Yes, funny. [33:55]
We also check in with Jason from @Phroogal on #TheRoad To Financial Wellness (first appeared on Episode 186) [39:37]
June 23rd: Premium Podcast Player Showdown http://stevestewart.me/audacity-workshop-live-webinars/ [29:58]
July 1st: Get more out of your money by Spending Our Values SteveStewart.me/webinars [32:25]
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An informed consumer is a better consumer. This episode will show how Credit Cards make money from processing fees.
I also give a few tips for reducing fees and a new way to send a friend money for free.
http://www.dailyinfographic.com/the-hidden-plastic-economy
Send money to a friend for free via your smartphone using Cash.me.
Here’s my CashTag: http://Cash.me/$SteveStewart
http://blog.myfitnesspal.com/why-tracking-works-even-if-calorie-counts-are-off/
Fight Big Business by Cutting Up Credit Cards
Premium Webinar: Strategic Steps to Building a Word-of-mouth Coaching Business
Open Hours – schedule a 30 minute or 60 minute session or join a Group Session
Contact me http://SteveStewart.me/contact
Download the Attention To Money Guide: http://Steve.Money so you can pay more attention to your money
Please leave the show a review in iTunes like Boomajig: http://moneyplansos.com/itunesreviews
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Full notes at http://SteveStewart.me/186
Jason Vitug from Phroogal is leaving for a 30 day journey throughout the U.S. to promote financial wellness.
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Debit cards, auto-pay, bill-pay, and checks: There are multiple ways money can come out of our accounts.
It’s more important than ever to balance our checking account every month.
I give 7 reasons to balance your account and 3 tips to make it easier.
There is no single “right way” to do something
Jump to this section in the podcast player [29:40]
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The next premium webinar June 17th at 9pm Eastern – Strategic Steps to Building a Word-of-Mouth Coaching Business.
Only 9 seats available. $20 to register and get a link to the replay. Contact me for more: Steve@SteveStewart.me
My Virtual Budget Course can help you prioritize spending and discover how much money you have left for your next financial goal.
One hour and $25 will teach you something about yourself and discover what is truly most important to you:
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Despite all the technology and steps we take to prevent our debit cards from being compromised, there is no way to prevent card fraud from happening.
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Recently, CreditCards.com conducted a survey of Americans who’ve had a credit or debit card transaction flagged because of suspected fraud. Roughly 7 out of 10 said at least one of those alerts was a false alarm when, in fact, more than half said the transactions were completely valid.
As a consumer, what can you do? Not much, but in this episode I cover:
Recent data breaches, like the one the media loves to focus on – TARGET in 2013 – may be making card issuers extra cautious.
Why? Because card issuers (i.e.: Banks) are on the hook when fraudulent charges do occur. It’s called the Zero Liability Protection
Visa’s Zero Liability policy
MasterCard Zero Liability Protection statement
American Express’s stated policy
Discover’s statement
There are times I choose to use my debit card and PIN. I forego the Zero Liability protection to save the merchant from paying unnecessary processing fees.
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As a financial coach, I hear people make this statement, “If I could just make more money I could start saving for retirement.”
For the majority of Americans, producing a healthy income is only half the challenge.
There are two other factors that make up the other half: How you spend and how much you save. Finding the right balance between the three pillars of personal finance doesn’t take a college degree or incredible amount of willpower.
However, knowing the ratios of income versus spending versus the need to spend is paramount:
Earn big money + spend big money = need to save big money
Earn little money + spend little money = need to save some money
Earn big money + spend little money = need to save some money
Earn little money + spend big money = need to save big money
This segment was originally an article I wrote for LibertyInvestor.com
Ponda from the Honda: [27:42]>"]
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Identity theft is no joke – and it’s on the rise! Keith Bunn of CavusFinancialCoaching.com compared four companies to see if their services are worth the cost.
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