Something On My Mind - podcast cover

Something On My Mind

David Mulonaswww.spreaker.com
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.
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Episodes

PFT #62 - Personal Finance Tip of the Week: How to Save Money on Printer Ink Cartridges

This week’s topic discusses how to save money on printer ink cartridges. Over the years it has become commonplace for people to own a printer just like with a television or a cell phone. This is a great convenience and is worth the money as paying for printing service over time is a much more costly affair. When it comes to maintenance, ink cartridges will need to be replaced or refilled from time-to-time. With that being said purchasing new cartridges is the most expensive option. Depending on ...

Jan 28, 20223 min

#95 - Pay off the Mortgage or Invest the Money and Who Knew Nerds Could be Popular?

This week we talk about the options of paying off the mortgage early: the advantage is removing debt which is always a good thing; however, does invest in real estate or the stock market have a better long-term benefit? In the roundtable we discuss that nerds can be popular too! 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.tikt...

Jan 25, 202238 min

PFT #61 - Personal Finance Tip of the Week: Knowing the True Cost of Appliances and Warranties

This week's topic is about the true cost of new appliances and warranties. We are a society that has too much stuff and we have become accustomed to the conveniences that have made our lives easier than it did for our grandparents. This is a great thing; however, appliances have become increasingly expensive due to the features that they offer as well as the high rate of inflation mainly due to the supply chain shortage. With that being said when you buy an appliance it is important to consider ...

Jan 21, 20222 min

#94 - Online Shopping Research Tips and Behavior to Pacify People

This week we highlight tips for online shopping. What types of research are beneficial and where to obtain it. Also, we perform a historical look at 2021's purchase to reveal the reason why we purchase items. In the roundtable we discuss the words and phrases that people use to intentionally insult people as well what we do pacify their behavior in conversations. Website https://www.somethingonmymind.net/ Merchandise https://www.somethingonmymind.net/shop Social Media https://www.instagram.com/s...

Jan 17, 202245 min

PFT #59 - Personal Finance Tip of the Week: Student Loan Moratorium and Future Payments

This week’s topic is about student loan moratorium. The federal student loan moratorium has been extended for the third time due to the Coronavirus pandemic. The loan relief began in March of 2020 and was set to end September 30, 2021 which was moved to January 31, 2022 and then moved again to May 1, 2022. Moratorium means that payments for principal or interest are not required and without any penalty. With the suspension payments, we know this is needed for many Americans; however, the importa...

Jan 13, 20222 min

#93 - The Hidden Details with Your Auto Insurance Policy and Revealing Information About Unusual Names

This week we cover important details that are important to understand with your auto insurance policy. Should your rates go up if you are in an accident that is not your fault? There are also some items can save you money while there are hidden items that may cost you money in the long run. In the roundtable we discuss unusual names that people have and how they affect people and what they can do to ease their pain. Website https://www.somethingonmymind.net/ Merchandise https://www.somethingonmy...

Jan 10, 202238 min

PFT #58 - Personal Finance Tip of the Week: The Benefits of Travel Insurance

This week’s topic is about travel insurance and is it worth the cost? As a result of the Covid pandemic, many vacations have been cancelled and thousands of people have lost thousands of dollars that can not be redeemed. This is where travel insurance can soften the blow. Typically it covers medical emergencies, trip cancellation, trip interruption, delays, medical needs, and lost, damaged, or stolen luggage. On the other hand, it may not cover glasses, hearing aids, dental bridges, tickets, pas...

Jan 07, 20222 min

#92 - Don't get FOMO with Your Car Lease Pull Ahead and We Talk about Useless Inventions

This week we cover the ins and outs of auto dealers offering lease pull aheads. What are the advantages and the disadvantages? What is FOMO that the car salesman are pitching? We provide insight on aid you in your decision making. In the roundtable we discuss white elephant gifts and useless inventions. Website https://www.somethingonmymind.net/ Merchandise https://www.somethingonmymind.net/shop Social Media https://www.instagram.com/somm.podcast/ https://www.youtube.com/channel/UChec5qcZBcGkIhU...

Jan 03, 202243 min

PFT #57 - Personal Finance Tip of the Week: Skipping the Dry Cleaner Saves Money and the Environment

This week’s topic is on the cost of dry cleaning and is it safe to wash the clothes at home? Dry cleaning is one of the most overlooked items in the budget and oftentimes it is not accounted for. The first question is how much does it cost each year. The unfortunate thing is that this is not a tracked statistic; however, busy professionals, especially in dual households, can easily spend $100 per month. Ouch!Okay . . . so let’s get question number two. Can your clothes be washed at home? The ans...

Dec 30, 20213 min

#91 - Office Complaints, Crypto Legislation, Partners Splitting Bills and a Cash Reward for Reading a Syllabus

In this week's episode we handle a financial hodgepodge of questions from listeners. 1: Should congress be able to create legislation around crypto when are owners of it. 2. We examine a question that asks: what percentage of the bills should be paid when the home is owned by the other partner. 3. We cover a story about a professor who offered a cash reward if just one of his students read the syllabus In the roundtable we discuss what people care and think about with office politics and meeting...

Dec 27, 202134 min

PFT #55 - Personal Finance Tip of the Week: Tracking Realized Capital Gains/Losses for the Calendar Year

This week’s topic is about realized capital gains before the year ends. As the year ends it is a common practice for investors to balance losses against gains to minimize taxes that are paid to the IRS each year. This applies to ownership in stocks, bonds, mutual funds, options and even crypto. When owing these assets we are referring to after tax accounts which is a straight brokerage account meaning that it doesn’t apply to tax-deferred accounts. such as a 401(k)’s and it doesn’t apply to afte...

Dec 23, 20212 min

PFT #54 - Is a Natural or an Artificial Christmas Tree Better for the Environment?

This week’s topic centers on whether it is better to buy a natural Christmas tree versus an artificial one In recent years, there has been a debate that purchasing an artificial tree is a better long-term solution to that of a natural tree. Let’s start with artificial trees: there are many reports that they last 10-20 years; however, if taken care of properly, they can last beyond that. The negative part is that they are made from plastic which is derived from petroleum which is oil. So the ques...

Dec 22, 20212 min

#90 - Why Today's Kids Don't Want to Have Kids and We Introduce Robo Cindy

This week we cover the growing trend of why Millennials and Gen Y's are waiting to have kids or opting out having them at all. Some common reasons include the social system, the environment and the affordability. In the roundtable we discuss alternative social gatherings for Thanksgiving and the holiday season. Lastly, we pay homage to losing Cindy and Justin from the program; however, we introduce Robo Cindy Website https://www.somethingonmymind.net/ Merchandise https://www.somethingonmymind.ne...

Dec 20, 202140 min

PFT #53: The Personal Finance Tips One-year Anniversary

This week’s topic celebrates our first 52 personal finance tips. Just one year ago, we launched our two-minute tips of the week. and we couldn’t be happier with the feedback that we’ve received because people are saving money and improving their lives. Some of the most popular tips include #5 about extending the life of your candles to keep the mood lighting in full glow. Another is #11 that detailed the process to buy used tires online that can save 50% over the cost of new tires. Others includ...

Dec 16, 20212 min

#89 - The 2021 Year End Financial Clean Up and We Discuss Social Media and the Cell Phone

This week's episode cover items that you can do to tidy up your financial fitness.. It can be adding to your 401(k) and Roth IRA, using up your FSA or paying down debt with a potential raise or bonus. There are several items that covered in this episode that can prepare you for 2022. In the roundtable we discuss how phones command our attention specifically with social media. Website https://www.somethingonmymind.net/ Merchandise https://www.somethingonmymind.net/shop Social Media https://www.in...

Dec 14, 202138 min

PFT #52 - Personal Finance Tip of the Week: Radon; The Silent Killer

This week's episode is about the silent killer . . . Radon. Radon is a silent killer because it’s an odorless gas that we breathe in normally; and it is the second leading cause of lung cancer behind smoking. In addition, 21,000 deaths occur yearly. So what is radon you may ask? Let’s do a quick assessment: It is the main source of our exposure to all radiation. The rocks and soil beneath our homes contain traces of uranium and over time, it breaks down creating radioactive decay which emits rad...

Dec 09, 20213 min

PFT #51 - Personal Finance Tip of the Week: The Ball Aluminum Cups and the Positive Impact on the Environment

This week’s topic is about the Ball Corporation’s new aluminum cups. We’ve all seen the classic Ball jars with that thick glass and metal top for canning vegetables - in my case, I use them as drinking glasses. As the world evolves so has Ball and they've recently announced the aluminum drinking cup that can replace the plastic solo type cups. They come with ample sizes to drink from, they are more sturdy and well insulated to keep your beverage cool and it is a much more appealing drinking expe...

Dec 02, 20212 min

PFT #50 - Personal Finance Tip of the Week: Fire Extinguishers Save Lives and Money

This week’s topic is about fire safety in your home. An often overlooked item in one’s domicile is a fire extinguisher and the importance that it provides especially in the kitchen. According to NFPA.org US fire departments respond to an estimated average of 172,900 home structure fires by cooking activities. These fires caused an average of 550 civilian deaths, 4,800 injuries, and more than $1 billion in direct property damage per year. Regardless of where and how a fire starts, safety is impor...

Nov 24, 20212 min

PFT #49 - Personal Finance Tip of the Week: The Residual Value of Your Car and Buying Your Lease Out

This week’s topic is about the residual value when leasing and should and buy the car when the contract is over. When it comes to driving a car, the common question is, are you better off buying or leasing? On the whole, having two separate leases will cost more than purchasing a car outright. The other question is . . . Should you buy a car when the contract is over or lease again? If you want to save money typically the answer is yes and this is where residual value comes into play. Website ht...

Nov 18, 20212 min

PFT #48 - Personal Finance Tip of the Week - How Raising Your Auto Insurance Deductible Saves You Money

When looking at collision for auto insurance many people choose a lower deductible which is typical $500. The common thought is that I’ll pay out the least amount possible if I am at fault for an accident; however; as the rule goes: A Higher deductible = Lower car insurance rate and higher out-of-pocket costs Lower deductible = Higher car insurance rate and lower out-of-pocket costs So the question becomes why can choosing a higher deductible be beneficial? Website https://www.somethingonmymind....

Nov 11, 20213 min

PFT #47 - Personal Finance Tip of the Week: How to Benefit By Knowing Store Return Policies with Retailers

This week’s topic is about knowing store policies when returning expensive or custom made products with retailers. For example, you can purchase exercise equipment or mattresses and they make it clear that you can return an item within 90-120 days; no questions asked. With that being said, not all companies work the same. Just recently I purchased a piece of furniture that cost $2,000 which took over three months to have it made and delivered. As soon as the family sat on it we realized that it ...

Nov 04, 20212 min

PFT #46 - Personal Finance Tip of the Week: How to Manage the Rainy Fund Especially During Rising Inflation

This week’s topic is about managing your rainy day fund especially during the supply chain problem. The rainy day fund is money that is set aside in the budget to account for small, unforeseen expenses. The amount that you need to put aside is arbitrary. It is based on what you own with items such as a home or a car and even a hobby. The best way to determine this, is to look at the age or condition of the items that you own and estimate the cash that you may need. For example, for a refrigerato...

Oct 28, 20212 min

PFT #45 - Personal Finance Tip of the Week: When it Makes Sense to Purchase a Product Warranty

This week's episode is about when it makes sense to buy a warranty especially when need it to run a business and event planning. Website https://www.somethingonmymind.net/ https://www.instagram.com/somm.podcast/ Social Media https://www.youtube.com/channel/UChec5qcZBcGkIhUU3belNDw https://www.tiktok.com/@somm.podcast?lang=en https://www.facebook.com/somm.podcast https://twitter.com/Somm_podcast...

Oct 21, 20213 min

PFT #44 - Personal Finance Tip of the Week: The Cell Phone Wars Can Save You Money Now and When You Upgrade

This week's episode is about the how you can take advantage of the cell phone promotions as 5G is ready. Listen to find out if these deals are here to stay when you upgrade. Website https://www.somethingonmymind.net/ https://www.instagram.com/somm.podcast/ Social Media https://www.youtube.com/channel/UChec5qcZBcGkIhUU3belNDw https://www.tiktok.com/@somm.podcast?lang=en https://www.facebook.com/somm.podcast https://twitter.com/Somm_podcast...

Oct 14, 20212 min

PFT #43 - Personal Finance Tip of the Week: A Breathalyzer is a Low Cost Purchase to Save Money and Lives

This week's episode is about purchasing a breathalyzer. This is reasonable purchase that may save you money if you get caught drunk driving and more importantly, saves lives. Website https://www.somethingonmymind.net/ https://www.instagram.com/somm.podcast/ Social Media https://www.youtube.com/channel/UChec5qcZBcGkIhUU3belNDw https://www.tiktok.com/@somm.podcast?lang=en https://www.facebook.com/somm.podcast https://twitter.com/Somm_podcast...

Oct 07, 20212 min

PFT #42 - Personal Finance Tip: The Hidden Advantage with Retail Credit Cards and Paying Them Off

This week's episode is about getting offers with points or store credits when paying with cash and opting out of 0% interest rate credit card offers. Social Media https://www.somethingonmymind.net/ https://www.instagram.com/somm.podcast/ https://www.somethingonmymind.net/ https://www.youtube.com/channel/UChec5qcZBcGkIhUU3belNDw https://www.tiktok.com/ @somm.podcast?lang=en https://www.facebook.com/somm.podcast https://twitter.com/Somm_podcast...

Sep 30, 20211 min

PFT #41 - Personal Finance Tip of the Week: The Reason not to Upgrade Your Cell Phone

This week's episode is about skipping your cell phone upgrade after you have met your contractual agreement. Saving this money can allow you to pay off debt or invest that money Social Media https://www.somethingonmymind.net/ https://www.instagram.com/somm.podcast/ https://www.somethingonmymind.net/ https://www.youtube.com/channel/UChec5qcZBcGkIhUU3belNDw https://www.tiktok.com/ @somm.podcast?lang=en https://www.facebook.com/somm.podcast https://twitter.com/Somm_podcast...

Sep 23, 20212 min

PFT #40 - Personal Finance Tip of the Week: How Low Flow Appliances Save Money and the Environment

This week’s topic is about saving water and money with low-flow household fixtures. When we say “low-flow” this means that less water is used when washing your hands, flushing the toilet and showering. The upfront cost to use these products outweighs the savings over the long-term Social Media https://www.somethingonmymind.net/ https://www.instagram.com/somm.podcast/ https://www.somethingonmymind.net/ https://www.youtube.com/channel/UChec5qcZBcGkIhUU3belNDw https://www.tiktok.com/ @somm.podcast?...

Sep 16, 20212 min

PFT #39 - Personal Finance Tip of the Week: Debt-to-Income Ratio and the Hidden Risk When Being Approved for a Loan

DTI is the personal finance measure that compares the amount of debt correlated to your overall income. So when lenders are looking at you as a qualified buyer, DTI is used as a way to measure your ability to manage payments that you make each month. Learn the calculation and what to watch out for. Social Media https://www.somethingonmymind.net/ https://www.instagram.com/somm.podcast/ https://www.somethingonmymind.net/ https://www.youtube.com/channel/UChec5qcZBcGkIhUU3belNDw https://www.tiktok.c...

Sep 09, 20212 min

PFT #38 - Personal Finance Tip of the Week: Three Tips for Pet Insurance

This week's personal finance tip covers three main points to consider before choosing pet insurance. Social Media https://www.somethingonmymind.net/ https://www.instagram.com/somm.podcast/ https://www.somethingonmymind.net/ https://www.youtube.com/channel/UChec5qcZBcGkIhUU3belNDw https://www.tiktok.com/ @somm.podcast?lang=en https://www.facebook.com/somm.podcast https://twitter.com/Somm_podcast...

Sep 02, 20211 min
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