The Money Answers Show Segunda-feira às 12 horas do horário do Pacífico do Pacífico no VoiceAmerica Business Channel Você precisa de direções para um futuro financeiro sólido Se assim for, The Money Answers Show com Jordan Goodman irá fornecer-lhe um roteiro para tomar decisões de dinheiro inteligentes em todas as áreas do seu pessoal finanças. Junte-se a Jordan todas as segundas-feiras às 12 PMPST 3 PMEST para The Money Answers Show, no VoiceAmerica Business Channel. Saiba como e onde obter as melhores ofertas em hipotecas, carros e seguros descobrir as melhores maneiras de economizar para a faculdade e aposentadoria, sair da dívida, melhorar sua classificação de crédito e economizar seus impostos. O Money Answers Show com Jordan Goodman irá fornecer-lhe excelentes dicas sobre oportunidades de investimento em imóveis, ações, anuidades e outros veículos de investimento. Thats The Money Answers mostra com Jordan Goodman no VoiceAmerica Business Channel, todas as segundas-feiras às 12 PMPST. Jordan Goodman Jordan Goodman tem uma missão: ajudar todos a melhorar com o dinheiro. Desde a graduação da Columbia University School of Journalism em 1977, ele passou os últimos 32 anos penteando o país para encontrar as melhores maneiras de ajudar os consumidores a ganhar e economizar dinheiro e depois compartilhar essas gemas com o público. Como repórter de pessoal da revista MONEY durante 18 anos, um comentarista semanal na NBC News at Sunrise e Public Radio Market Morning Report, e através de seus 12, em breve, 13 livros altamente respeitados e suas redes de dinheiro do site. Ele forneceu informações úteis e de bom senso ao público. Alguns de seus livros mais conhecidos incluem Fast Profits in Hard Times, Everyones Money Book, o Dicionário de Finanças e Termos de Investimento e Master Your Money Type. Jordan é uma combinação rara: alguém que possui não só o conhecimento enciclopédico de todas as áreas das finanças pessoais, mas também uma paixão por ajudar seus ouvintes não apenas a se educar, mas a agir para ajudar seus sonhos a tornarem-se realidades. Andrew A Agemy Andrew Agemy iniciou Agemy Financial Strategies em 1990 e, mais recentemente, abriu uma empresa de consultoria de investimentos, Agemy Wealth Advisors, e uma empresa de planejamento e preparação fiscal. Um ministro ordenado, ele vê seu negócio como uma extensão de seu chamado original para entender as necessidades dos povos e ajudá-los. Ele está fortemente empenhado nas estratégias conservadoras de renda de aposentadoria e usa seminários e workshops, bem como sessões individuais para educar seus clientes no planejamento de renda de aposentadoria, segurança social, planejamento imobiliário, planejamento de distribuição mínimo exigido e evitar erros que os aposentados fazem com seus finanças. Durante muitos anos ele foi nomeado Gerente de Riqueza Cinco Estrelas e divulgado na Revista Connecticut e no Wall Street Journal. Ele é altamente classificado pelo Better Business Bureau e a National Ethics Association. Ver página do convidado Lista de episódios: Debbie Allen Debbie Allen, The Expert of Experts, tem sido estrategista de negócios e marketing nos últimos 20 anos. Ela é uma autora de best-sellers e empresária premiada. Sua experiência foi apresentada em inúmeros filmes motivacionais, incluindo The Opus e The Compass, e regularmente apresentados na revista Entrepreneur. Debbie construiu e vendeu várias empresas de milhões de dólares. Ela orienta clientes de todo o mundo sobre como se tornar um especialista altamente remunerado. Debbie tem sede em Phoenix, Arizona. Para saber mais sobre sua experiência, vá para debbieallen Página de convidado Lista de episódios: Mitch Anthony Um pioneiro nas áreas de planejamento de vida financeira e planejamento de aposentadoria, Mitch Anthony é o fundador e presidente da Mitchanthony e o autor de The New Retirementality: planejando sua vida E vivendo seus sonhos em qualquer idade que você quiser, 4 ª edição (Wiley, fevereiro de 2014). Nomeado como um dos melhores Movers e Shakers no setor de serviços financeiros, a Mitch consulta com alguns dos maiores nomes do setor de serviços financeiros no planejamento da vida financeira, entre outras questões. Mitch é colunista da revista Financial Advisor e do Journal of Financial Planning e apresentador do The Daily Dose, um recurso de rádio inspirador. Ele também é um orador principal popular. Ver página do convidado Lista de episódios: Marvin Appel Dr. Marvin Appel é CEO da Appel Asset Management Corporation e vice-presidente da Signalert Corporation, consultores de investimentos registrados em Great Neck, Nova York, que juntos gerenciam mais de 300 milhões para clientes individuais. Ele também edita o altamente aclamado boletim de investimento, Sistemas e Previsões. Ele foi destaque na CNNfn, CNBC, CBS Marketwatch e Forbes, e apresentou em conferências que vão desde a World Series of Exchange Traded Funds até a Associação Americana de Investidores Individuais. O Legislativo do Estado de Nova York convidou o Dr. Appel a apresentar suas perspectivas econômicas e de investimento. Ver página do convidado Lista de episódios: Curtis Arnold Curtis Arnold, CEO da CardRatings é regularmente apresentado por meios de comunicação nacionais, incluindo The Wall Street Journal, The Today Show (NBC), Good Morning America, The Early Show (CBS), USA Today, PBS, Dinheiro e SmartMoney Revistas, MSNBC, NPR, The New York Times, Fox Business, Oprah e Friends e The Washington Post por sua experiência no setor de crédito. Em 1998, ele fundou a organização de consumidores com fins lucrativos, Cidadãos dos EUA para Fair Credit Card Terms, Inc. (CFCCT) e, em junho de 2008, publicou como você pode lucrar com cartões de crédito: usando o crédito para melhorar a sua vida financeira e a linha inferior com a FT Press. Arnold é co-autor de um livro intitulado The Complete Idiots Guide to Person-to-Person Lending e contribui para The Ultimate Allowance. Ele é co-presidente do capítulo Arkansas da Jumptart Coalition for Financial Literacy, uma organização nacional sem fins lucrativos que busca melhorar a alfabetização financeira pessoal de jovens adultos. Ver página do convidado Lista de episódios: James D. Awad JAMES D. AWAD atua atualmente como presidente da Plimsoll Mark Capital, uma divisão da Zephyr Management, L. P. Plimsoll A Mark Capital é uma empresa global de consultoria em riqueza que fornece soluções independentes de gerenciamento de investimentos para famílias e indivíduos ricos. O Sr. Awad também atua como diretor administrativo da Zephyr Management, L. P. uma empresa global de private equity e de valores mobiliários especializada na criação e administração de fundos de investimento altamente cotados e de valor agregado nos mercados emergentes. Desde a sua fundação, a Zephyr patrocinou vinte e dois fundos de investimento que representam mais de US $ 1,4 bilhão em compromissos de capital. O Sr. Awad iniciou sua carreira na gestão de investimentos como Gerente de Carteira da Channing Management de 1969 a 1972, onde foi responsável por fundos de investimento de pequena capitalização. O Sr. Awad é uma figura notável na mídia comercial, com aparições freqüentes na CNBC Asia, Fox Business News, CNN, Business News Network (BNN), PBS, Market Watch, Reuters e CCTV (China). Ver Página do Convidado Lista de episódios: Nathan Bachrach Nathan Bachrach é um tipo de vizinho que estava vendendo fundos mútuos e noites de seguro de longo prazo e fins de semana em Cincinnati há 30 anos. Agora ele gerencia 680 milhões de fundos de aposentadoria para 1750 famílias. Ele deve seu sucesso ao relacionamento que ele tem com as pessoas comuns, os outros 99 como ele diz, permitindo que um pequeno número de eleições arredondar. Ele sabe que as pessoas complicam demais o dinheiro e culpam isso em seus colegas profissionais, que mantêm as pessoas intimidadas para atrair negócios e justificar taxas. Ele acredita em mantê-lo simples. Ele pensa em aposentadoria não como um termo de um glossário financeiro, mas um momento em que você não está mais empregado e não quer ser um colega de trabalho no Walmart. Para argumentar que a aposentadoria é sobre a mudança social, em vez de uma fase previsível da vida, ele cita uma pesquisa recente onde um grupo de maridos e esposas foram questionados sobre o que eles esperavam que fosse a aposentadoria. 60 dos homens disseram mais tempo com minha esposa. 60 das mulheres disseram muito marido e não dinheiro suficiente. Nathan fez muitos amigos e ganhou muitos clientes dizendo isso. Ver Página do Convidado Lista de Episódios: Linwood Bailey Linwood Bailey é a autora do Negócio de Mim: Seu Trabalho Sua Carreira Seu Valor, palestrante e o Principal e Fundador dos Campos de Sucesso - que auxilia os profissionais com a gestão de seus ativos econômicos mais importantes suas carreiras . Linwood estabeleceu Fields of Success em 2008 depois de se aposentar de uma carreira de 34 anos no setor corporativo. Ele gerenciou funções de TI, Finanças e Planejamento de Negócios em várias indústrias. Ele teve cargos com Upjohn, James River, General Nutrition, R. J. Reynolds e Whirlpool, liderando funções em regiões domésticas e globais. Ele foi um tomador de decisão que impactou as pessoas e gerenciou sua carreira através de downsizing, reestruturação, globalização, recessões econômicas e outros desafios de gestão de negócios e carreira para os profissionais de hoje. Ele é formado pela Coach University, obteve seu MBA na Universidade de Indiana e seu diploma de graduação na Hampton University. Ele era um capitão no exército dos EUA e é um veterano do Vietnã. Ver página do convidado Lista de episódios: Nick Barisheff Nick Barisheff, presidente e CEO da Bullion Management Group Inc. (BMG), concentrou-se no mundo dos metais preciosos e as vantagens de investir em ouro, prata e platina na última década. Ele usa sua compreensão dos mercados de metais preciosos para desenvolver estratégias de investimento, produtos e serviços para clientes que buscam integrar lingotes em suas carteiras. Sua visão sobre o setor de metais preciosos é que o ouro, a prata e a platina em forma de lingotes, são um componente vital de um programa de investimento e devem representar dez por cento ou mais de um portfólio bem diversificado. Em 2002, ele lançou o BMG e o BMG BullionFund, a única fiduciária de fundo mútuo elegível do RSP, canadense, que investe diretamente em ouro, prata e platina. Agora, amplamente reconhecido como um especialista norte-americano em lingotes, o Sr. Barisheff é um autor, palestrante e comentador financeiro que contribui regularmente para vários boletins e revistas de investimento e aparece regularmente na mídia. Ver página do convidado Lista de episódios: o primeiro livro de Jim Beachs, School for Startups, foi publicado pela McGraw-Hill em junho de 2011. Jim começou empresas e ensinou empreendedorismo em todo o mundo. Em 2009, Jim fundou The Entrepreneur School, TheEntrepreneurSchool, um recurso web dedicado ao ensino de sua filosofia de empreendedorismo de baixo risco. Ele é diretor executivo de uma fonte sem fins lucrativos sobre empreendedorismo para mais de 100 países chamado InternationalEntrepreneurship. Jim apresentou para várias empresas da Fortune 500 em temas tão diversos quanto o Futuro da escassez de petróleo, como exportar em uma economia descendente e chegar ao número um no Google. Ele estava na faculdade do Institute of International Business na Georgia State University de 2001 a 2009. Ele ensinou empreendedorismo internacional, com foco na capacidade de evitar riscos, criatividade e marketing na internet. Ele apareceu na NPR, MBNBC, a CNN como especialista em tecnologia e educação, e fala globalmente. Veja SchoolforStartups View Guest page Lista de episódios: Eric Bell, 28, é apaixonado por finanças pessoais. Nos últimos 10 anos, Eric liderou os esforços de educação financeira da juventude em toda a América e está levando sua campanha online com a YoBucko. Erics carreira em educação financeira começou na faculdade quando ele começou uma organização estudantil chamado Future Investors para ensinar seus colegas sobre gerenciamento de dinheiro. Depois de se formar, Eric fez um trabalho em Wall Street gerindo dinheiro para as famílias mais ricas do mundo no Citi Private Bank. Ele trabalhou para o Chefe da América do Norte e também representou o Banco Privado no Conselho de Educação Financeira do Citigroup. Depois de completar o programa de analistas da Citis, Eric mudou-se para Washington, DC para continuar sua carreira em gestão de patrimônio e seguir seu MBA na Universidade de Georgetown. Menos de um ano depois, ele foi nomeado presidente da Greater Washington Jumptart Coalition. Em 2010, Eric decidiu deixar seu trabalho em Wall Street para começar a construir o YoBucko. Yobucko View Guest page Lista de episódios: Gary Belsky Gary Belsky é um jornalista, falante e autor de longa data. Ele foi editor da revista ESPN e foi escritor da Revista MONEY, Crains New York Business e do St. Louis Business Journal. Ele é agora o presidente da Elland Road Partners na cidade de Nova York, que é uma estratégia de conteúdo e empresa de execução com o site ellandroadpartners. Ver página do convidado Lista de episódios: Marshall Berol Marshall Berol, co-gerente do Encompass Fund: Marshall G. Berol foi Contratado desde 1982 como gerente de investimentos em São Francisco, Califórnia. Desde 2000, ele é Diretor de investimentos da Malcolm H. Gissen Associates, Inc. Além disso, há mais de 20 anos que o Sr. Berol possui sua própria empresa de investimentos, BLSH Financial. Seu estilo de investimento é um de um estilo contrário e orientado para o valor. Berol e Malcolm Gissen co-fundaram (em junho de 2006) e co-gerenciam um fundo mútuo, Fundo Encompass. O Sr. Berol fez seu trabalho de graduação na Universidade da Califórnia (Berkeley) e recebeu um diploma J. D. da Faculdade de Direito da Universidade de São Francisco. Ver Página do Convidado Lista de episódios: Jackie Black, Ph. D. Jackie Black, Ph. D. BCC, nomeado pelo COSMO como um dos seus mais queridos gurus do amor internacional, sabe que o amor não é suficiente O Dr. Jackie entende que o amor é um sócio de autoconhecimento: conheça o sucesso do relacionamento essencial um casamento feliz e duradouro. O Dr. Jackie atende Casais de Carreira dupla e Casais de alto desempenho que acreditam que seu casamento está em crise ou que querem melhorar um casamento problemático e restaurar a proximidade e a alegria que eles já compartilharam. Ela oferece suporte individualizado, educação sobre relacionamento e coaching de casamento através do Programa Re-PAIR de casamento de destino de 2 dias, Programa de aversão ao casamento de 12 sessões e Intensivo Intensivo de casamento de meio dia. Dr. Jackie desenvolve programas de treinamento de casamento altamente customizados para atender às suas necessidades específicas de relacionamento. Ela é uma autora de best-sellers, apresentadora de programas de rádio, especialista convidado freqüente em estações de rádio em toda a América do Norte e em rádio na Internet e é citada regularmente em grandes revistas em todo o mundo. Ver Página do Convidado Lista de episódios: Jim Blasingame Jim Blasingame é um dos principais especialistas mundiais em pequenas empresas e empreendedorismo. Ele é presidente e fundador da Small Business Network, Inc., uma empresa de mídia dedicada a servir pequenas empresas. Jim é o criador e apresentador premiado do The Small Business Advocate Show, o único programa de rádio de semana dedicado às pequenas empresas, sindicalizado a nível nacional desde 1997. Ele realiza 1.000 entrevistas ao vivo por ano com o Brain Trust, a maior comunidade mundial de pequenos Empresários e empresários. Ele é um colunista sindicado para jornais e publicações on-line, incluindo Forbes e Nasdaq. Jim também foi editor do ezine semanal, The Small Business Advocate NEWSLETTER, desde 1999. Ele é o autor de três livros, Small Business Is Like a Bunch of Bananas e Three Minutes to Success, que vendeu quase 100.000 cópias combinadas. Seu terceiro livro, The Age of the Customer, será lançado este mês e já vendeu 30 mil cópias. Ver Página do Convidado Lista de Episódios: John Bloom John Bloom é Diretor de Cultura Organizacional da RSF Social Finance (RSF). O trabalho da Johns na RSF inclui supervisionar o desenvolvimento da equipe das organizações, liderando sua avaliação de impacto social e ajudando a desenvolver programas educacionais que abordem a interseção de dinheiro e espírito na transformação pessoal e social. John trabalhou com mais de 100 organizações sem fins lucrativos nas áreas de capacitação e mudança de cultura. John fundou duas organizações sem fins lucrativos, serviu como administrador de vários outros (incluindo Yggdrasil Land Foundation) e trabalhou como administrador no San Francisco Waldorf. Ele escreveu extensivamente sobre aspectos da educação e escolas independentes, dinheiro e filantropia, e seus 20 anos de experiência na participação na agricultura apoiada pela comunidade. Ele publicou várias peças agrícolas no Biodynamics Journal, e seu segundo livro, The Genius of MoneyEssays e Entrevistas Reimagining the Financial World, foi publicado em outubro de 2009 pela SteinerBooks. Ver página do convidado Lista de episódios: Steven G. Blum Steven G. Blum é autor de Negociar seus investimentos: use métodos comprovados de negociação para enriquecer sua vida financeira. Ele possui dois diplomas de direito e orienta os clientes através de aspectos de sua vida financeira há mais de 30 anos. Ele é o principal em Steven G. Blum e Associates na Filadélfia. Ele ensina na Wharton School da Universidade da Pensilvânia. Você pode ver mais sobre ele em seu site negociação Ver página de convidado Lista de episódios: ZVI BODIE, Ph. D. É Norman e Adele Barron Professor de Gestão da Universidade de Boston. Ele é co-autor do livro de texto líder, Investimentos, que é usado nos programas de certificação do Instituto CFA e da Sociedade de Atuários e atuou na faculdade de finanças da Harvard Business School e MIT Sloan School of Management. Nos últimos anos, Bodie foi um defensor proeminente da proteção financeira de pequenos investidores e escreveu amplamente sobre esse assunto. O professor Bodie trabalhou em estreita colaboração com numerosas instituições profissionais, incluindo o Instituto CFA, o Federal Reserve Bank of Boston, a Associação da Indústria de Renda de Aposentadoria e a Sociedade de Atuários. Para obter mais informações, acesse: risklessandprosper Ver página do convidado Lista de episódios: Sanford C. Botkin Sanford C. Botkin, advogada e contadora pública certificada, é CEO e conferencista principal do Instituto de Redução de Impostos com sede em Washington, DC. O Sr. Botkin ensinou milhares de contribuintes a economizar milhões em seus impostos em seus seminários em todo o país. Antes de ingressar no Instituto de Redução de Impostos, o Sr. Botkin passou três anos no departamento de impostos da Deloitte Touche. Ele passou cinco anos como especialista em direito no Escritório de Advogado Chefe do IRS e foi um dos oito advogados selecionados para treinar todos os novos advogados da IRS Corporate Tax Division. Ele atuou como Professor Adjunto de Direito Contábil e Tributário na Universidade de Maryland e Columbia Union College. Ele é membro da Associação de Advogados da Flórida e do Florida Institute of Certified Accountants. Suas publicações mais recentes incluem Lower Your Taxes-BigTime e Real Estate Tax Secrets of the Rich. Ver Página do Convidado Lista de Episódios: Michael Bovee Nosso convidado, Michael Bovee, trabalhou com consumidores economicamente desafiados nos últimos 17 anos e é um especialista reconhecido em seu campo. Michael fundou a Consumer Recovery Network (CRN) em 2006. A CRN oferece serviços de liquidação de dívidas e recursos educacionais em todo o país. Ele atuou como presidente por 5 anos. Ele ajudou a fundar a Associação Americana de Conselheiros de Crédito (AACC) em 2010. A AACC é a primeira associação da indústria a incluir empresas de liquidação de dívidas e de gerenciamento de dívidas (muitas vezes referidas como consultoria de crédito sem fins lucrativos) como membros. Este fato é único, dado que os dois lados da indústria têm sido muitas vezes encontrados em desacordo um com o outro. Ele foi entrevistado em programas de rádio, colunistas e muitas publicações de finanças e escreveu dezenas de artigos abrangendo temas relacionados à dívida e crédito. Ele também participou de várias iniciativas estaduais e federais para regulamentar sua indústria. Para mais informações, acesse: consumerrecoverynetwork. Veja a página do convidado Lista de episódios: Jason Brady, CFA Jason Brady, CFA, é diretor executivo e diretor de renda fixa tributável para a Thornburg Investment Management, gerente de portfólio do Thornburg Limited Term US Government Fund e gerente de co-portfólio de vários fundos da Thornburg , Que receberam inúmeros prêmios Lipper, incluindo o Best Short-Intermediate Investment Grade Bond Fund, o Best Mixed-Asset Allocation Growth Fund e a melhor família de fundos de renda fixa (grande). Ver a página do convidado Lista de episódios: Janet M. Brown Janet M. Brown, presidente da DAL e editora-gerente do NoLoad FundX, ingressou na DAL em 1978. Janet vem pesquisando fundos e desenvolvendo estratégias bem sucedidas de investimento de fundos por muitos anos. Antes de ingressar na DAL, ela trabalhou em Bruxelas com uma empresa de serviços financeiros onde se especializou em fundos mútuos. Janet é freqüentemente entrevistada pela mídia sobre questões de investimento e fundos mútuos. Para mais informações, acesse: fundxfunds. Ver página do convidado Lista de Episódios: Marc Brown Marc cresceu no norte da Califórnia, onde se tornou um surfista realizado. Ele obteve um diploma de bacharelado em economia da Universidade da Califórnia em Santa Bárbara e passou onze anos no negócio de software fornecendo sistemas e soluções de gerenciamento de aplicativos para Charles Schwab, The Gap, Wells Fargo e Visa. Procurando uma mudança de ritmo e estilo de vida, ele e sua esposa e as filhas de dois e quatro anos se mudaram para Rancho Santana no sudoeste da Nicarágua. Com um parceiro comercial, ele abriu uma empresa de imóveis de serviço completo e foi o principal parceiro em um desenvolvimento residencial boutique no sul da Nicarágua. Em novembro de 2008, ele se juntou ao Rancho Santana para liderar sua equipe de Imóveis e Marketing. Ele gosta de surfar, mergulhar e estar com sua família. Ver página do convidado Lista de Episódios: Susan Bruno Susan Bruno é uma especialista em riqueza privada que cria soluções distintas e personalizadas para indivíduos e famílias de alto patrimônio. Sua extensa experiência em patrimônio, seguros e planejamento tributário é a base para os planos abrangentes e multi-geracionais que ela desenvolve para sua clientela. Susan e sua equipe trabalham lado a lado com seus clientes para supervisionar a implementação e gerenciamento contínuo desses programas, ajudando a garantir que todos os aspectos do processo de planejamento funcionem em conjunto. Susan também é co-fundadora da DivaCFO, LLC e DivaDocs, um site financeiro pessoal e um aplicativo destinado a capacitar as mulheres de uma forma verdadeiramente única, colorida e atraente. Susan possui numerosas certificações e designações profissionais, é reconhecida entre seus pares por sua liderança, advocacia e filantropia e é um falante freqüente nos eventos da indústria. Para mais informações, acesse: DivaCFO View Guest page Lista de Episódios: Bob Burg é um orador procurado em convenções corporativas e para eventos empresariais. Ele se dirigiu a audiências que variam em tamanho entre 50 e 16 mil pessoas compartilhando a plataforma com notables, incluindo líderes de opinião de hoje, personalidades de transmissão, atletas olímpicos e líderes políticos, incluindo um ex-presidente dos Estados Unidos. Embora durante anos ele fosse mais conhecido por seu livro Endless Referrals, nos últimos anos é a sua parábola de negócios, The Go-Giver (co-autor de John David Mann) que capturou a imaginação de seus leitores. Ele disparou para 6 em The Wall Street Journals Business Bestsellers list apenas três semanas após a sua liberação e chegou a 9 na BusinessWeek. Foi traduzido para 21 idiomas. É o quarto livro para vender mais de 250.000 cópias. Bob é um defensor, defensor e defensor do sistema Free Enterprise, acreditando que a quantidade de dinheiro que faz é diretamente proporcional à quantidade de pessoas que servem. Ver Página do Convidado Lista de episódios: Joseph F. Burgoyne III Joseph F. Burgoyne III é Diretor, Marketing Institucional e de Varejo, para The Options Industry Council (OIC). Como tal, ele é responsável por apoiar os programas educacionais institucionais e retalhistas. Além disso, o Sr. Burgoyne serve como instrutor de pessoal para a OCI. Antes de assumir o cargo atual, o Sr. Burgoyne passou 30 anos no setor financeiro. Mais recentemente, atuou como Diretor de Desenvolvimento de Negócios para a empresa de análise de dados e derivativos IVolatility, onde liderou com sucesso campanhas de marketing e publicidade. Antes disso, ele era Diretor Gerente da Burgoyne Capital Management, LLC. As outras qualificações do Sr. Burgoynes incluem liderar as operações de piso na Bolsa de Valores de Filadélfia para Van der Moolen Options USA e Tague Securities. Suas responsabilidades incluíam gerenciar riscos, fazer mercados e o desenvolvimento de bancos de dados proprietários. O Sr. Burgoyne frequentou o Colégio Canisius em Buffalo, Nova York. Ver Página do Convidado Lista de episódios: Mike Burleigh Mike Burleigh Presidente, Peak Capital Management, Advisors Academy, membro do Conselho de Administração. Michael é um conselheiro prático, que é um grande prazer em administrar o negócio, delegando responsabilidades ao pessoal e fornecendo orientação especializada para aposentados e indivíduos, que estão se aproximando da aposentadoria. Ele está empenhado em fornecer aos clientes estratégias de investimento conservadoras que ajudem a financiar um melhor padrão de vida durante a aposentadoria. Ele começou sua carreira no setor de serviços financeiros em 1986, se ramificando para formar sua própria empresa três anos depois. Desde então, ele teve o privilégio de se encontrar com mais de 2500 pessoas que se aproximam da aposentadoria ou já estão gostando. Michael é um Assessor de Investimento Registrado do Estado e Profissional de Seguros Licenciados. Desde que abriu sua própria empresa há mais de 20 anos, Michael esteve em missão para proteger a capital dos clientes. Michael é especialista em estratégias conservadoras que provavelmente fornecerão um retorno estável e confiável. Ver página do convidado Lista de Episódios: Chris Camillo Chris Camillo gerencia para si uma das carteiras de ações pessoais de alto desempenho do mundo, conforme verificado pela Covestor, o maior serviço de rastreamento de portfólio do mundo. Seu portfólio, classificou o número um em 2010 pela Covestor entre todas as carteiras avaliadas em mais de 250k, tem retornos anuais de três dígitos em média nos dois últimos três anos. Em pouco mais de três anos, Camillo cresceu um portfólio de estoque de 85k para mais de 2 milhões. Antes de ter aposentadoria antecipada aos 35 anos (como resultado de seus lucros de investimento), Camillo trabalhou como executivo de pesquisa de mercado na Research Now (anteriormente e-Rewards Market Research), onde foi responsável por construir e gerenciar a maior pesquisa juvenil Painel na América do Norte. Seus empregos ao longo dos anos incluíram lavar e vender carros, entregando pizza, ajudando um importante agente de Hollywood e dobrando roupas no The GAP. Os únicos trabalhos de finanças que realizou foram estágios de faculdade breve com Dean Witter e Fidelity Investments. Ver página do convidado Lista de episódios: Cary Carbonaro Cary Carbonaro tem um MBA e passou 25 anos trabalhando na JPMprganChase, Citicorp e Lord Abbett, uma empresa de fundos mútuos. Após um divórcio, ela se tornou um planejador financeiro certificado e, em 2001, iniciou um negócio de planejamento financeiro sob o nome comercial Money Queen. Seu livro, The Money Queens Guia para mulheres que querem construir riqueza e banir o medo, foi publicado em outubro de 2015. Tem desfrutado de vendas fortes e Cary foi um convidado em Fox Friends, The Today Show, CBS, CNBC e PBS Negócios noturnos. O livro também foi favoravelmente notado na mídia impressa, incluindo The Wall Street Journal, USA Today e grandes revistas. Em 2014, foi nomeada embaixadora nacional da CFP. Cary é atualmente um Diretor Gerente da United Capital e divide seu tempo entre Nova York e Flórida. Ver página do convidado Lista de episódios: Joe Carlen Joe Carlen é um especialista em avaliação de negócios e avaliação de mercado no Know Thy Market, LLC. Ele também é o autor de The Einstein of Money, uma biografia do mentor de Warren Buffetts, Benjamin Graham, e o co-autor de From Lifeguard to Sun King, a autobiografia do fundador da Banana Boat, Robert Bell. O Sr. Carlen obteve seu MBA da Universidade de Pittsburgh e seu mestrado em Gestão de Sistemas de Informação da Carnegie Mellon University. Ver a página do convidado Lista de episódios: Charles Carlson Charles Carlson é diretor executivo da Horizon Investment Services, uma preocupação com a gestão do dinheiro. O Sr. Carlson também é diretor executivo da Horizon Publishing, uma editora de boletim de investimentos. O Sr. Carlson esteve com a Horizon desde 1982. O Sr. Carlson, que obteve a designação de Analista de Chartered Financial (CFA), possui um curso de graduação em Jornalismo da Northwestern University (1982) e um MBA da Universidade de Chicago (1993). Ele é o autor de nove livros, incluindo os mais vendidos oito passos para sete figuras (Doubleday). Seu último livro é The Little Book of Big Dividends, publicado por John Wiley Co. Os comentários do Sr. Carlsons aparecem em jornais e revistas como The Wall Street Journal, The New York Times, USA Today, Money, Forbes e Barrons. O Sr. Carlson também aparece freqüentemente em programas de rádio e televisão, incluindo o rádio de todas as notícias da CNBC e Chicagos WBBM. Para mais informações, acesse: DRIPInvestor e BigSafeDividends View Guest page Lista de episódios: Doug Casey Doug Casey é um autor, editor e investidor profissional altamente respeitado. Ele literalmente escreveu o livro sobre o lucro de períodos de turbulência econômica: Crisis Investing gastou várias semanas como 1 na lista de best-sellers do New York Times e tornou-se o livro financeiro mais vendido de 1980 com 438.640 cópias vendidas. Ele recebeu o maior adiantamento já pago por um livro financeiro na época com seu próximo livro, Strategic Investing, e seu livro The International Man foi o livro mais vendido da história da Rodésia. Ele foi um convidado em centenas de programas de rádio e TV, incluindo David Letterman, Merv Griffin, Charlie Rose, Phil Donahue, Regis Philbin, Maury Povich, NBC News e CNN e tem sido tema de inúmeras características em periódicos como Time , Forbes, People e Washington Post. Doug é o presidente fundador da Casey Research, uma editora de pesquisa de investimentos que ajuda os investidores auto-dirigidos a ganhar retornos superiores, aproveitando as deslocações do mercado. Ver página do convidado Lista de episódios: Stephanie Chandler Stephanie Chandler é autora de vários livros, incluindo Own Your Niche: Táticas de marketing de internet sem sucesso para estabelecer autoridade em seu campo e promover o seu negócio baseado em serviços e o plano de marketing do livro de não-ficção: on-line e off-line Estratégias de promoção para construir sua audiência e vender mais livros. Stephanie é também CEO da AuthorityPublishing, especializada em publicações de livros personalizadas e serviços de marketing de redes sociais, e NonfictionAuthorsAssociation, uma comunidade de marketing para autores. Freqüente orador em eventos de negócios e no rádio, ela foi destaque na revista Entrepreneur, BusinessWeek e Wired, e ela é uma blogueira para o Forbes. Ver página do convidado Lista de episódios: Professor Philip Cheng Professor Philip Cheng é agora professor adjunto de finanças da Universidade de Ciência e Tecnologia em Hong Kong, foi o Diretor de Investimento da MetLife Taiwan, uma subsidiária integral da MetLife Inc. New York, A maior companhia de seguros de vida nos EUA, com aproximadamente US800 bilhões no total de ativos sob gestão (AUM). Desde 1996, e durante seus 11 anos como Diretor de Investimentos, ele gerenciou uma carteira diversificada com ativos totais sob gestão de aproximadamente US $ 2 bilhões. He provided the leadership in setting up of investment policies and strategies to enhance portfolio yield implementation of asset allocation strategies to increase return on equity and the oversight and the implementation of risk management tools to achieve optimal return on capital. He received his Undergraduate Engineering Degree from the University of Minnesota, Minneapolis, USA and his MBA in Finance (Cum Laude) from St. Louis University, St. Louis, Missouri, USA. View Guest page Episode Listing: Judith Cohart Judith Cohart, an attorney and educator, is President and CEO of the Personal Finance Employee Education Foundation. Previously, she was Money Management Manager for the AARP Foundation where she worked for ten years. Prior to that position, she was Director of Education for the National Foundation for Credit Counseling and has experience as a legislative assistant for a Congressman. She is a graduate of Cornell University with a masters of arts in teaching from Yale University and a law degree from Catholic University. In addition, she has twice served as president of the Association of Financial Counseling and Planning Education, as consumer representative to the National Association of Personal Financial Advisors and on the Coalition for Debtor Bankruptcy Education. View Guest page Episode Listing: Guy Cohen, CEO of FlagTrader, is a financial trading innovator and creator of the unique OVI Indicator. Specializing in stocks and options, Guy is the author of best-selling books: Options Made Easy, The Bible of Options Strategies, and Volatile Markets Made Easy. Guys software has become highly respected among individual and professional traders. From 2002 to 2011 EuronextNew York Stock Exchange licensed Guys options software, and in recent years, Guy has also provided options analysis for the International Securities Exchange (ISE). Guy has an MBA (Finance) from City University (Cass) Business School, London. Guys trading products are available at OviTradersClub. Guys new book The Insider Edge, Wiley, September 2012, is focused on his OVI Indicator. View Guest page Episode Listing: Marilyn Cohen Marilyn Cohen is one of the top bond managers in the country. Her 32-year career in finance has included securities analysis, bond brokerage, and for the last 16 years, founder and CEO of Envision Capital Management, a Los Angeles-based money management firm specializing in managing bond portfolios for individual investors. Marilyn is a regular guest on many of the popular financial shows including, CNBCs Squawk Box, PowerLunch. She writes the popular bond column for Forbes magazine. She is the co-author of book Bonds Now You can contact Marilyn at wafflesbloomberg. net View Guest page Episode Listing: Roger S. Conrad Roger S. Conrad is editor of Utility Forecaster, a leading advisory on essential-services stocks, bonds and preferred stocks. He is also editor of Roger Conrads Canadian Edge, an Internet-based publication devoted to uncovering lucrative investment opportunities in Canadian royalty trusts associate editor of Personal Finance and co-editor of MLP Profits, which covers high-yielding master limited partnerships and includes sample portfolios for aggressive and conservative investors, advice on the tax treatment of MLPs, and proprietary ratings of every name in the Alerian MLP Index. View Guest page Episode Listing: Mark Cortazzo Senior Partner of MACRO Consulting Group and Founder of Flat Fee Portfolios, Mark provides comprehensive financial planning to high-net-worth individuals. Mark has been widely quoted in the media and included on many lists of top advisors including Barrons Americas Top Financial Advisors for 2009, 2010 and 2011. Recognizing the need for an investment management solution for middle-market investors, he created Flat Fee Portfolios to ensure that everyone has access to affordable investment advice. Learn more at flatfeeportfolios View Guest page Episode Listing: Ty Crandall Ty Crandall has spent over 12 years helping clients with credit matters. He is a certified expert on consumer credit laws, including the Fair Credit Reporting Act and the Fair and Accurate transaction Act. He also provides forensic credit audits and is often called upon to help attorneys better understand the credit system and consumer rights. He is the author of two popular books, Perfect Credit and Business Credit Decoded. He is often interviewed on prominent media including Forbes and is the host of the popular podcast The Business Credit and Finance Show. He is CEO of Credit Suite in the Tampa, St. Petersburg, Florida area. View Guest page Episode Listing: Frank Curzio Frank Curzio Stansberry Associates Frank Curzio is the editor of Small Stock Specialist, an investment advisory that focuses on stocks trading for under 10. He is also the editor of our exclusive Phase 1 Investor advisory. Before joining Stansberry, Frank wrote a stocks-under-10 newsletter for TheStreet. Hes been a guest on various media outlets including Fox Business News, CNBCs The Kudlow Report, and CNBCs The Call. He has also been mentioned numerous times on Jim Cramers Mad Money, is a featured guest on CNN Radio, and has been quoted in financial magazines and websites. Franks SA Investor Radio is one of the most widely followed financial broadcast in the country. Over the past 15 years, Franks investment strategies including value, growth, top-down, and technical analysis have regularly produced 200, 300, and 500 winners for his subscribers. View Guest page Episode Listing: Ed DAgostino Ed DAgostino is the GM of the Hard Assets Alliance and Publisher of Mauldin Economics. He began his career in finance at a boutique investment house and later joined his largest client as Vice President of Business Development. In this capacity Ed directed strategic growth initiatives while providing investment analysis and advisory services to the companys principals. Prior to joining Mauldin Economics, Ed was Managing Director at a consultancy focused on business development in the financial sector. He has been instrumental in the start-up and expansion of several businesses. Eds clients, including hedge funds, lenders, and investment publishers, relied on him to recruit and mentor analysts, develop controls and systems, and implement growth strategies. In early 2012, Ed consulted with John Mauldin to develop the business plan for Mauldin Economics, and subsequently joined the company to build a strong editorial, research and analytical team. Ed and the growing team of analysts and financial editors at Mauldin Economics share a single-minded purposeto produce the highest quality investment publications in the industry. View Guest page Episode Listing: Joseph J. Dadich Joseph J. Dadich is an attorneycpa and created the nations first 20 Minute Emergency Estate Planning Blueprint for Busy Familystm and the Emergency Child Protection Plantm. His estate planning system prevents financial and emotional turmoil when a loved one dies. He is the author of the book Celebrity Estate Plans gone bad Secrets Every Woman Needs to Prevent Financial and Emotional Mishaps when a loved one diestm. He has lectured to Parenting Education Fairs, NAIFA, Whole Foods Inc. Real Estate Investor Clubs, Mom groups, and other community groups alike. For more information on Joseph and his work go to: 1estateplanningmichigan View Guest page Episode Listing: zlem Denizmen zlem Denizmen completed her B. A. at Cornell University (1993) in Industrial Management, MBA at MITSloan School of Management (1999). Also she has completed Negotiation at Stanford (2004), Business Leadership at GE Crontonville (2006) and Advanced Management Program at Harvard Business School (2008). Denizmen recently completed Global Leadership and Public Policy for the 21st Century program at Harvard Kennedy School (2013). Her career has started at 1994 in USA as a Financial Analyst in Investment Banking at Merrill Lynch. She continued her career in Garanti Investment Bank in Turkey. Since 2000, she has held many positions such as Budget, Planning, Strategy, Business Development and Investor Relations at Do287u351 Group. Denizmen is a Member of Board at Do287u351 Otomotiv. She performs a weekly show on A Haber TV, writes a weekly column for POSTA and HURRIYET newspapers and ELELE magazine. Denizmen conducts seminars, conferences to women groups, students across the country. View Guest page Episode Listing: Paul M. DeSisto Paul M. DeSisto, CFA, Senior Portfolio Manager and Director of MR Capital Management, Inc. joined the firm in 2012 after 12 years with Bank of New York Mellon, where he was Senior Portfolio Manager. At the Bank of New York he was a member of the Personal Asset Management Divisions fixed-income investment committee, and lead manager of the firms All Cap Leaders equity product. Previously he was Vice President and Senior Portfolio Manager at Alliance Capital Management. Prior he was Senior Portfolio Manager at BayBanks Investment Management, where he was lead manager for small not-for-profit institutions. He began his career at Moseley Securities Corp, Boston, in 1987, as a Series 7 certified investment executive. Mr. DeSisto earned a Bachelor of Science degree at the United States Air Force Academy, holds a masters degree in International Affairs from Oklahoma State University, and studied graduate-level economics at NYU. He is a Chartered Financial Analyst charter holder. View Guest page Episode Listing: Sukhman Dhami Sukhman Dhami is the founder and managing partner of The Dhami Law Firm. In addition to his accomplishments as a consumer attorney, Sukhman is a highly noted human rights attorney. Prior to launching the law firm, Sukhman co-founded an international human rights organization that advocates for victims of abuse in India. He currently serves on the New York City Bar Associations International Human Rights Committee, and is also a member of the Advisory Board of the Public International Law and Policy Group, which provides pro bono legal services to states in conflict and transition on issues of peace and conflict resolution and human rights abuses. All of the firms attorneys are encouraged to give back to the community through pro bono services. Go to: dhamilaw View Guest page Episode Listing: Bryan Dodge Bryan Dodges 20 years of experience teaching and inspiring people of all walks of life to reach their full potential has made him one of the nations leading choices as a professional speakertrainer for corporate events, conferences, and conventions. After seven years with Elanco, Bryan started Results, Inc. a company to promote educational seminars throughout the United States and Canada. As his company grew to over 100 employees, he relocated to Dallas and added another division called Results Educational Network, which filled stadiums in six major cities and featured the most sought after speakers and personalities. The knowledge he acquired and relationships he built from working with top executives evolved into delivering an increased number of in-house training and coaching sessions. After 12 successful years, Bryan sold Results, Inc. to pursue a full time professional speaking and coaching career. View Guest page Episode Listing: Harry Domash Harry Domash, found of the Dividend Detective newsletter at dividenddetective, is one of Americas leading experts on where to earn safe, high yields from safe dividends. In this interview he discusses the pros and cons of many high yielding alternatives including preferreds, convertibles, oil income trusts, closed-end funds, exchange traded funds, business development companies, real estate investment trusts, Canadian energy stocks and corporate bonds. If you want to earn safe, high yields in this volatile market, listen to Harry Domashs advice View Guest page Episode Listing: David Edwards David Edwards graduated from Hamilton College with a major in history and math and got his MBA from Darden School of Business at the University of Virginia. He was previously associated with Morgan Stanley, JP Morgan Securities and Nomura Securities. He founded Heron in 1993. He is an avid sailor who races frequently in Oyster Bay, Long Island and in regattas around the Eastern Seaboard, Florida and the Carribean. He writes a commentary every month or more frequently if events warrant. He is also featured in a number of videos on YouTube. For more about Jim go to: dailyreckoningauthorjimnelson View Guest page Episode Listing: Stephanie Nelson Since 2004 Stephanie Nelson has appeared frequently on television and radio teaching savings tips, including The Oprah Winfrey Show, The Today Show, Good Morning America, CBS Early Show, NBC Nightly News, Fox Business, The Doctors, The View, Dr. Oz, The 700 Club, The Mike and Juliet Show, and CNN. Over 3.3 million members belong to her free grocery deals website couponmom. She holds a degree in finance and has ten years of experience in sales and marketing with both Procter Gamble and Marriott Hotels. In 1995 she retired from the corporate world to stay home with her sons. In 2001 she founded her free website couponmom committed to helping consumers save money and feed the hungry by increasing food donations to hunger organizations with the Cut Out Hunger program. The Coupon Moms Guide to Cutting Your Grocery Bill in Half, released in January 2010, became a New York Times Best Seller in its first month of publication. View Guest page Episode Listing: Charles Nenner Charles Nenner is president of the Charles Nenner Research Institute, an independent market research firm. His firm consults with large hedge funds, banks, brokerage firms and wealthy individuals around the world. Charles Nenner worked for Goldman Sachs as a technical analyst for many years. Before that, he was head of trading research at Rabobank International and Ofek Securities in Israel. View Guest page Episode Listing: Sara Nunnally Sara Nunnally is co-editor of Smart Investing Daily and is Taipan Publishing Groups Senior Research Director and global correspondent. Saras diverse resume includes studies in art history, computer science and financial research. As Senior Research Director, Sara has travelled all over the world in search of the best investment opportunities to recommend to her readers, be they in developed economies like France and Italy, in emerging markets like the Czech Republic and Poland, or in frontier terrain like Vietnam and Morocco. She has appeared on news media such as Forbes on Fox, Fox News Live, and CNBCs Squawk Box, as well as numerous radio shows around the country. Please visit barbariansofwealth for more information. View Guest page Episode Listing: Shari Olefson Shari Olefson, JD, LLM, is a Bar Certified Real Estate attorney and a Supreme Court Certified Mediator with degrees in journalism, finance, and psychology. Since launching her legal career in 1989, Olefson, a member of the Florida, District of Columbia, and New York Bars, has focused on business and commercial real estate transactions, mediations, and work outs. In addition to her law practice, she has served as the CEO of a Fortune 300 joint venture in banking, real estate law, and title insurance. She is frequently quoted in such publications as the Wall Street Journal, Forbes, and USA Today, and regularly appears as a guest expert on CNN, CNBC, Fox, PBS, MSNBC, and CBS, as well as national and regional radio programs. Her previous books include Foreclosure Nation: Mortgaging the American Dream (Prometheus, 2009). Shari Olefson is a graduate of Carnegie Mellon University, the Benjamin N. Cardozo School of Law at Yeshiva University and the University of Miami Masters of Law program. View Guest page Episode Listing: Marc Ostrofsky Marc Ostrofsky, New York Times Bestselling author, will speak about his latest book: Get Rich Click The Ultimate Guide to Making Money on the Internet. Marc is a serial entrepreneur and a venture capitalist. He has founded, built and sold over 100 million in businesses-starting with only a 5,000 car loan. Marc has been a guest on ABC-TVs hit talk show The View twice and is one of the few authors who has actually been successful doing the things he discusses in Get Rich Click He owns Blinds, Cufflinks, SummerCamps, eTickets and a host of domain names including MutualFunds, Bachelor and over 500 others. To learn more about Get Rich Click. go to getrichclick today. View Guest page Episode Listing: Natalie Pace Natalie Pace is the author of The ABCs of Money and You Vs. Wall Street. She is the founder and CEO of the Womens Investment Network, LLC (a global financial news, information and education site), with a mission of adding a splash of green to Wall Street and transforming lives on Main Street. Natalies books and articles have been saving homes and nest eggs for more than a decade, while at the same time earning her the prestigious ranking of 1 stock picker. Natalie Pace is a blogger on HuffingtonPost and a repeat guest on national television and radio shows such as Good Morning America, Fox News, CNBC, ABC-TV, Forbes, NPR and more. As a strong believer in giving back, she has been instrumental in raising tens of millions for public schools, financial literacy, the arts and underserved women and girls worldwide. Follow her on TwitterNataliePace and FacebookNWPace. For more information please visit NataliePace. View Guest page Episode Listing: William Scott Page William Scott Page is President and CEO of The Lifeline Program, one of the oldest and most-established life insurance settlement providers in the nation. The company actively partners with insurance agencies and broker dealers to establish profitable and ongoing life settlement business lines. Page is widely credited as one of the founders of the life insurance settlement industry, which in the past 15 years has grown from a niche business into a mainstream financial services industry that buys and sells more than 6 billion worth of life insurance policies annually. Page and his company have, since 1989, served the financial needs of the elderly and terminally ill while offering a stable and profitable investment environment for the companys agents, investors and supporters. In many instances, a settlement enables a sick or elderly individual to live out the remainder of their life with dignity. For more information: thelifeline View Guest page Episode Listing: RC Peck, CFP Chief Investment Strategist, Founder and CEO of Fearless Wealth, LLC. RC Peck, CFP results speak for themselves. RCs Fearless Wealth Portfolio has returned an astounding 15 annually for 14 years (1998 to 2011). RCs ability to make the complicated clear and straightforward is second to none. There is a reason why the directors of Silicon Valley most storied companies turn to him and have avoided every major crash in the markets in 14 years. As an ex-commodity trader of Coffee, Sugar and Coco, RC is considered one of the leading experts in the country on behavioral investing. RC can be unconventional and un-typical but always thought provoking, clear and insightful. RC is a certified Financial Planner (CFP), a Registered Investment Advisor and a Master NLP practitioner. He resides in Silicon Valley with his wife and family. For more information: fearlesswealthblog View Guest page Episode Listing: Kathleen Peddicord Kathleen Peddicord, author of How to Buy Real Estate Overseas (Wiley, April 2013) was publisher and editor-in-chief of the International Living group for twenty-three years. Today, she is publisher and editor-in-chief for her own Live and Invest Overseas group (LiveandInvestOverseas). She writes a weekly retire-overseas blog for U. S. News World Reports, another for Huffington Post, and is regularly quoted by news outlets including the New York Times, Money magazine, the Economist, Kiplinger, and AARP. She has traveled to more than fifty countries, invested in real estate in twenty, established businesses in seven, renovated historic properties in six, and educated her children in four. She now lives with her family in Panama City, Panama. In addition to writing books and her speaking engagements, Kathleen writes daily to readers of her Overseas Opportunity Letter. KathleenPeddicord View Guest page Episode Listing: Peter Pham Peter Pham founded BillShrink to empower consumers to get the real time information they need to make the best decisions in many areas of their financial life. In this interview, Peter will explain how to get the best deals on credit cards, telephone plans and savings and investment products. He will also show you how to find the cheapest gasoline near you. BillShrink is revolutionizing the way consumers shop and learning how it works will save you loads of money so listen to this interview and save View Guest page Episode Listing: Bradford Pine With 20 years of broad, financial-services industry experience, Bradford Pine is now an emerging independent investment adviser practicing in New York City with broker-dealer Cantella Co. Inc. While his fee-based practice focuses on serving high-net-worth clients, Pine has taken a revolutionary approach towards serving them. Recognizing the growing role of technology in our lives, Pine, was a CNBC Portfolio Challenge semi-finalist, has positioned his practice with a pre-eminent internet presence. Pines been featured in Registered Rep magazine, Senior Market Advisor, The New York Daily News and Newsday New York. He has recently released a free e-book: 10 Tips You Need to Know about Your IRA Rollover, which is available for downloading on his website along with a free monthly newsletter: bradfordpinewealth. In addition to IRA rollovers, Pines areas of expertise include: hi-net worth portfolio management, legacy and estate planning, asset allocation and retirement planning. View Guest page Episode Listing: Travis Plunkett Travis Plunkett directs Federal legislative and regulatory efforts for the Consumer Federation of America. He focuses on financial services including financial regulatory reform, bankruptcy, credit counseling, consumer privacy and insurance. His advocacy of improved credit card protections contributed significantly to the enactment of the Credit Card Accountability, Responsibility and Disclosure Act of 2009. View Guest page Episode Listing: Steve Pomeranz Steve Pomeranz CFP has been serving clients since 1981 beginning Pomeranz Financial Management Inc. in 1996 after being dissatisfied with his time in large Wall Street firms. Pomeranzs team accepts no commissions, using a system of three pillars: Competence, Caring and Conservatism. Since 2001, Steves radio show On The Money and his association with NPR radio reaches 27 stations nationwide. The show features market insights and interviews with experts from all corners of the investment world to keep listeners informed on making smart money decisions. Worth magazine selected Pomeranz Financial Management as a top 100 wealth adviser in America in 2007 as did Reuters, in 2008. Active in his local community, he serves as President of the Boca Raton Symphonia, Board Member of Women in Distress, Chairman Emeritus of the Financial Planning Association. Steve has been featured on ABC News, Marketwatch, Bloomberg, CNBC, The Wall Street Journal to name a few. View Guest page Episode Listing: Nido Qubein Dr. Nido Qubein came to the United States as a teenager with little knowledge of English, no contacts and only 50 in his pocket. He is president of High Point University, an undergraduate and graduate institution with 4,800 students from over 51 countries and 44 states. He has written numerous books and scores of audio and video learning programs distributed worldwide. His foundation provides scholarships to 48 deserving young people each year. To-date the Qubein Foundation has granted more than 700 scholarships, worth over six million dollars. He is chairman of Great Harvest Bread Company with 220 stores in 43 states. He serves on the boards of several national organizations including BBT, the La-Z-Boy Corporation, and DOTS. Dr. Qubein has been the recipient of many honors including the Ellis Island Medal of Honor, the Horatio Alger Award for Distinguished Americans, and the Order of the Long Leaf Pine (North Carolinas highest civic award), and dozens more. Go to: highpoint. edu View Guest page Episode Listing: Rachel Quilty Rachel Quilty, is a Personal Branding Strategist. She is also known as the Authority on Personal Branding. Rachel is the CEO and owner of Jump the Q61666 Inc. a Personal Brand consulting firm with offices in Brisbane, Australia and Las Vegas, USA. Rachel is an Australian who regularly speaks at events and conferences on personal branding, professional image, and developing your signature brand, both in the US and Australia. She is the author of the recently released book, Brand Yourself an instructional manual on discovering, designing and building your personal brand. Rachel has featured on the Australian Today show and is a regular columnist in the popular Brisbane Circle magazine. Her tips and tactics are regularly quoted in popular national magazines, newspapers and on radio. For more information on Rachel and to get her latest book, go to brandyourselfblueprint View Guest page Episode Listing: Jane Bryant Quinn Jane Bryant Quinn is a leading commentator on personal finance She is the author of four books and has written for Newsweek, The Washington Post, Bloomberg, Womans Day, and Good Housekeeping. She is an Emmy Award winner and has appeared on PBS and CBS News. Her personal finance column currently appears and the AARP Bulletin. She lives in New YorkCity, blogs at JaneBryantQuinnn and has a website at JaneBryantQuinn View Guest page Episode Listing: Karim Rahemtulla Karim Rahemtulla is one of the countrys foremost specialists in options trading and a veteran of emerging markets investing. As founder and editor of The Smart Cap Alert, he focuses his efforts on all aspects of options trading - LEAPS, put sellingcovered calls, and spreads. He is also the Director of Emerging MarketsOptions for Wall Street Daily (wallstreetdaily) and a regular contributor to several publications on topics ranging from global investing to options trading. Formerly the Investment Director of the Oxford Club, Rahemtulla is a frequent speaker at international conferences. His views on investing have appeared in hundreds of publications worldwide. View Guest page Episode Listing: John Reese John Reese is founder and CEO of Validea and Validea Capital Management, LLC and also portfolio manager of the Omega Consensus mutual funds offered in the Canadian market. He is considered an expert on systematic based investing strategies and holds two US patents in the area of automated stock analysis. John is co-author of two investing books, including The Guru Investor: How to Beat the Market Using Historys Best Investment Strategies, and a columnist for RealMoney, Forbes and Canadas Globe Mail. He is a graduate of Harvard Business School and MIT. View Guest page Episode Listing: Steve Repak Steve Repak, CFP, is an Army veteran, motivational speaker, and consultant. He has helped countless ordinary people turn their finances around with his inspiring personal finance presentations and one-on-one financial counseling. He was the 1995 Fort Bliss, Texas Non Commissioned Officer of the Year and graduated Summa Cum Laude with a Bachelor of Science in Management Communications from Amridge University. He now works for himself as a highly successful Certified Financial Planner in Charlotte, North Carolina, where he lives with his wife and three children. For more information, please visit, DollarsAndUncommonSense View Guest page Episode Listing: Victor Ricciardi Victor Ricciardi, BBA, MBA, APC is an Assistant Professor of Financial Management at Goucher College in Baltimore, Maryland. He teaches undergraduate courses in personal financial planning, corporate finance, investments, behavioral finance, and the psychology of money. Ricciardi is the Coordinator of Behavioral Experimental Research for the Social Science Research Network (SSRN) at ssrn and is the current Editor for seven SSRN eJournals. Ricciardi had two chapters on behavioral finance published in the Handbook of Finance in August 2008 and a book chapter The Psychology of Risk published in the book Behavioral Finance: Investors, Corporations, and Markets in October, 2010. Victor has given over 30 presentations at meetings, seminars, and conferences in the past ten years on the topics of investments, perceived risk, behavioral finance, and the Social Science Research Network (SSRN). View Guest page Episode Listing: Victor Ricciardi Victor Ricciardi is an Assistant Professor of Financial Management at Goucher College in Baltimore, Maryland. He teaches courses in financial planning, investments, corporate finance, behavioral finance, and the psychology of money. Professor Ricciardi is a leading expert on the academic literature and emerging research issues in behavioral finance. Kent Baker and Victor Ricciardi are co-editors of the new book Investor Behavior: The Psychology of Financial Planning and Investing was published in February 2014 and the book is part of the Wiley Finance Series. This research endeavor is a contributor series book that incorporates 30 chapters written by 45 leading experts (academics and practitioners) on the emerging research on investor psychology in personal finance, financial planning, and investment management. He is the editor of several eJournals distributed by the Social Science Research Network (SSRN) at ssrn. Victor can be found on Twitter victorricciardi. View Guest page Episode Listing: Charles Richards Charles Richards, Ph. D. is a licensed psychotherapist and author in private practice in Encinitas, California. He has developed and refined an innovative and highly effective therapeutic process that allows clients to achieve greater health in all areas of their lives. For over ten years, he has also trained and coached senior executives of Fortune 100 corporations in management and leadership skills at the Center for Creative Leadership, La Jolla. His clients at CCL have included General Motors, IBM, Motorola, Qualcomm, Sony, Apple, Whirlpool, Honda, SAP, and other well-known companies. He is an international speaker and presenter. More info about Dr. Richards and his book The Psychology of Wealth can be found at PsychologyOfWealth. org. View Guest page Episode Listing: Jim Richman Jim Richman has been in the mortgage modification business for 11 years, after retiring from a commercial loan department for Coast Savings and Loan. In the commercial loan business, loan modifications were the norm, but in the residential loan world they were for the mostly unknown. Jim convinced a friends lender that that they could and should modify the terms of his loan. He explained this to some of his brokers and attorney friends and a business was born. His firm now acts as a free mortgage consultant service to homeowners and if it is in the homeowners best interest they will refer them to a qualified attorney in their state and recommend the attorney accept the case. They are a free service to both homeowners and attorneys, and for a fee offer a lender tracking service that keeps attorneys updated on the ever changing underwriting policy of all the lender so that clients are up do date 24x7. For more information, go to: modifymymortgage View Guest page Episode Listing: Barry Ritholtz Barry Ritholtz is president of Ritholtz Wealth Management in New York. He is widely quoted in the media and appears regularly on TV on CNBC, Fox, Bloomberg. His book Bailout Nation, was widely hailed as the best book explaining what caused the 2008-2009 financial crisis. He writes the widely read blog The Big Picture which can be found at ritholtzblog. View Guest page Episode Listing: Steve Rizzo Steve Rizzo, a. k.a. The Attitude Adjuster, is a personal development expert whose clients include American Airlines, BP, JPMorgan, Chase, Scholastic, and Spring, among others. As a stand-up-comic, he has headlined with many titans of comedy, including Jerry Seinfeld, Eddie Murphy, Drew Carey, and Ellen DeGeneres. View Guest page Episode Listing: Lynette Robbins Lynette Robbins, CEO Knowles Systems, LLC, Founder of The Knowles Systems and The Knowledge of U learning systems, Executives Consultant for 28 years working with Fortune 100 and 500 companies, Designer of a learning system that educates Americans on How to get their money to work for them. Lynettes vast experience in organizational development, implementing professional learning systems, public speaking, linguistics, designing training programs for professionals in a step by step success process and leading through example has created an incredible presence for those that want to know about How Money Works. Lynettes focus is on empowering people through awareness with strategies and options available in todays market. The Knowledge of U is making a difference in financial security by educating the clients on options therefore building a plan that is safe and makes sense. View Guest page Episode Listing: Michael Robinson Michael Robinson is the chief technology strategist for Radical Technology Profits, published by Money Map Press. He has a long term record of identifying winning technology stocks for his readers, with more than 80 of his picks ending up being profitable. He has worked in Silicon Valley for many years and served on the advisory board of venture capital firm Sensei Partners. View Guest page Episode Listing: Jeff Rose is a Certified Financial PlannerTM with his own investment advisory firm and an Iraq combat veteran of the Army National Guard. A regular contributor to U. S. News and World Report, MarketWatch, and Equifax, he is also the author of two popular personal finance blogs, SoldierofFinance and GoodFinancialCents, which has been featured in Forbes, The Huffington Post, Kiplinger, and The Wall Street Journal. He lives in Carbondale, Illinois. View Guest page Episode Listing: Michael Mike Rosen Michael Mike Rosen is a self-described conservative and longtime host of The Mike Rosen Show, a political talk show on 850 KOA, broadcasting out of Denver, Colorado, where he holds the weekday 1 p. m-3 p. m. time slot. He is also an editorial page columnist for the Denver Post. His articles have appeared in newspapers and magazines across the country, including the Wall Street Journal and the National Review. He regularly appears as a political analyst on Denver TV stations and has been a guest on an impressive array of national TV shows including Good Morning America, The Larry King Show, The OReilly Factor, and other widely-watched political programs. He has been a featured gues on National Public Radio and on several occasions been a substitute host for Rush Limbaugh. An honors graduate of the University of Denver, he was the first recipient of the Theodore S. Cutler Faculty Award for outstanding scholastic achievement. View Guest page Episode Listing: Holli Rovenger Holli Rovenger is a CEO, Coach, Author, Speaker and Educator at Empowering Women Monthly, and President, Owner of Enthroned Empress, Inc. She has written a book, The Simple and Sassy Guide to Financial Empowerment, designed to help educate women on how to become financially savvy and prepared. Holli is trained as a dietitian and an entrepreneur. She is friendly, outgoing, optimistic, authentic, and extremely honest and trustworthy. Her passion is to empower women to take the reins on their financial future so they can have peace of mind and security for themselves and their families. She attended Syracuse University where she received a Bachelor of Science (B. S.) in Nutrition and Dietetics and Florida International University where she obtained her Masters in Business Administration (M. B.A.). Rovenger is the CEO of two websites dedicated to helping women, (HolliRovenger EmpoweringWomenMonthlyblog) View Guest page Episode Listing: Matthew Schifrin Matthew Schifrin is Vice President and Investing Editor at Forbes Media LLC. He oversees money, investing, and personal finance content in Forbes magazine and on Forbes, including its Intelligent Investing and Financial Adviser Network. Schifrin also manages Forbes Newsletter Group and Forbes iConferences, and was the founding editor of Forbess Best of the Web. As an investigative reporter, his articles have been featured on the cover of Forbes magazine dozens of times and he has been a finalist for an American Society of Magazine Editors National Magazine Award. Schifrin is a frequent speaker at investor conferences and has appeared numerous times on radio and television. View Guest page Episode Listing: Leonard Schwarz Jeanne Fleming and Leonard Schwarz, the authors of Money Manners, have been advising readers on how to deal with the cringe-inducing money problems that arise between family and friends since 2005, first for Money magazine and the CNNMoney website (where their column was called Do the Right Thing), then for Forbes (where it is called Money Ethics). They have also written a book, Isnt It Their Turn to Pick Up the Check Dealing with all of the Trickiest Money Problems between Family and Friends from Serial Borrowers to Serious Cheapskates (Free Press, 2008). Since the book appeared, they have been guests on numerous radio and television programs (including NPR and Good Morning America), and they and their work have received attention in newspapers and magazines throughout the United States and Canada. Jeanne holds a Ph. D. in sociology from Stanford. Leonard holds an M. B.A. from the business school at Stanford and an M. A. in communication (film), also from Stanford. View Guest page Episode Listing: Steven M. Sears Our featured guest today, Steven M. Sears, is a Senior Editor and columnist with Barrons and Barrons, and author of The Indomitable Investor: Why a Few Succeed in the Stock Market When Everyone Else Fails. We will discuss some of the findings from Stevens book, including how it is that most people think of themselves as long-term investors, yet act like very bad traders, and how this keeps them at a perpetual disadvantage because they are fighting the markets natural movements. We will also discuss average holding periods for stock investors, why five years is a critical number in the market, and how to confront fear and the tremendous discussion about the stock market giving back the YTD gains of about 12. He previously reported for Dow Jones Newswires and the Wall Street Journal. To get his latest book, go to: wileyWileyCDAWileyTitleproductCd-111811034X, descCd-buy. html View Guest page Episode Listing: Robert Shemin Robert Shemin became a millionaire by the young age of 32, retiring from a successful career in investment. Instead of keeping all of his wealth building strategies to himself, he decided to share his secrets and became an Internationally-respected Wealth Creation Expert. Consistently voted number one speaker by crowds of up to 55,000 people, Robert shares his wealth of information and enthusiasm for teaching others how to be successful. Robert has been interviewed and quoted on all topics of finance ranging from real estate to branding, negotiating, entrepreneurship and investment strategy in over 300 publications including the Wall Street Journal, Buisness Week, USA Today and TIME Magazine. Robert has worked with high-net-worth individuals from Goldman Sachs, helped create numerous companies, and, as a full-time investor, been involved in over 1,000 real-estate transactions to date totaling nearly 100 million dollars. robertshemin View Guest page Episode Listing: Femi T. Shote Femi T. Shote, MSF, ChFC, CLU, CFP, AIF, founded Asset Harvest Group, LLC (AHG) in 2000, after more than a decade of working in the industry as a financial analyst and advisor. Shote earned a Masters of Science in Finance in 1991 from Bentley University, Waltham, Massachusetts. He earned a Bachelor of Science (magna cum laude) in Accounting, Economics and Finance in 1987 from Roger Williams University, Bristol, Rhode Island. View Guest page Episode Listing: Saul Simon Saul Simon has been a Financial Planner for over twenty years and is president of Simon Financial Group. He specializes in working with individuals and business owners to develop strategic financial plans that help them reach their financial and family objectives. A strong believer in financial education, Saul sponsors lectures on financial planning for corporations, adult education programs, and community organizations. He also hosts a cable television program called Simon Says Manage Your Money, and is the author of SIMON SAYS: LOVE YOUR LEGACY A Guide To Financial Education For You And Your Family. His website is SaulSimon View Guest page Episode Listing: Mark Snyder Mark Snyder has nearly 35 years of financial-advisory experience. Starting as an insurance representative on eastern Long Island, NY in 1971 he recognized the growing need for long-term independent financial advice and began reinventing his practice to focus on retirement planning. Today Snyder manages some 150 million for private individuals and their families. Hes been quoted in numerous publications such as Investment News, Newsday New York and Crains New York Business. He publishes a custom, quarterly newsletter, The Snyder Report, and recently participated in the Retirement Income Industry Associations new Retirement Management Analyst program to help individuals develop and maintain retirement income streams. With eight industry designations, has counseled individuals when retiring or changing jobs, expecting or inheriting a lump sum, or having to make critical decisions regarding a rollover of qualified funds from and IRA or pension distribution. Go to: markjsnyder. View Guest page Episode Listing: Syble Solomon Syble Solomon is an entrepreneur and the Founder of LifeWise Strategies. Her business is dedicated to helping people gain a better understanding of their ability to take personal responsibility for their own successful and satisfying future. This includes speaking, coaching and creating innovative products such as Money Habitudes, a simple toolkit used by thousands. Syble was honored as the Educator of the Year by the Association of Financial Counseling and Planning Educator and currently is a member of the Board of Directors. She received the impact award from the Coalition for Marriage, Family and Couples Education. Syble has been an Executive Coach affiliated with the Center for Creative Leadership since 1995. Her coaching clients include high potential employees to C-level leaders of Fortune 500 companies, the military, universities, small business and non-profits. Go to: moneyhabitudes View Guest page Episode Listing: Bill Spetrino Bill Spetrino is a professional investor who has made millions for himself and his clients through strategic investing. A trained accountant, he graduated from John Carroll University in Ohio and spent a decade teaching. A lifelong entrepreneur, Spetrino set out to understand and codify a simple dividend investing strategy for amassing a retirement nest egg, an idea that eventually led to the creation of The Dividend Machine newsletter for Newsmax in 2009. Using his strategy, Spetrino picks the kinds of dividend stocks Warren Buffett or the late Sir John Templeton would recommend long-term cash generators that also can offer handsome appreciation potential. Personally, hes used his simple system to such great success that in the course of a little under two decades, his initially modest dividend portfolio of a few thousand dollars grew to generate all of his familys living expenses and more. His blog is: billspetrino. View Guest page Episode Listing: Zina Spezakis Zina Spezakis, Partner Chartered Financial Analyst: Zina has spent over 18 years of experience in asset management in a variety of roles including trading, portfolio management, operations and distribution, servicing retail and institutional investors. Previously, at Allianz Global Investors she was Chief Operating Officer (Managed Accounts) and Director of Risk Management and Operations (US retail), responsible for approximately 130 Billion in assets. She has also worked at PIMCO Funds, Morgan Stanley Private Client Services and Chase Private Banking. Zina graduated with a Bachelors in Economics and Government from Cornell University (1991), received a MBA in Finance and Business Economics from the University of Chicago, Booth School of Business (1996) and a Masters in International Relations from the University of Chicago (1996). She is also a Charted Financial Analyst. View Guest page Episode Listing: Meir Statman Meir Statman is the Glenn Klimek Professor of Finance at the Leavey School of Business, Santa Clara University and Visiting Professor at Tilburg University in the Netherlands. His research focuses on behavioral finance. He attempts to understand how investors and managers make financial decisions and how these decisions are reflected in financial markets. Meirs research has been published in many journals and his research has been supported by the National Science Foundation, the Research Foundation of the CFA Institute, and the Investment Management Consultants Association (IMCA). Meir is a recipient of a Batterymarch Fellowship, a William F. Sharpe Best Paper Award, a Bernstein FabozziJacobs Levy Outstanding Article Award, a Davis Ethics Award, a Moskowitz Prize for best paper on socially responsible investing, two Baker IMCA Awards, and three Graham and Dodd Scroll Awards. For more information go to: whatinvestorswant. wordpress View Guest page Episode Listing: John Stephenson John Stephenson is a senior vice president and portfolio manager with First Asset Investment Management Inc. where he is responsible for a wide range of equity mandates with a particular focus on energy and resource investing. John is the author of Shell Shocked: How Canadians Can Invest After the Collapse and writes a free bi-weekly investment newsletter, Money Focus. He is regularly quoted by Bloomberg News, Reuters and The Wall Street Journal and is a frequent guest on Bloomberg TV and Canadas Business News Network (BNN) and the CBC. He was recently recognized by Brendan Wood International (BWI) as one of Canadas 50 best portfolio managers. John holds a degree in Mechanical Engineering from the University of Waterloo, an MBA from INSEAD, as well as the Chartered Financial Analyst (CFA) and Financial Risk Manager (FRM) designations. He lives in Toronto. View Guest page Episode Listing: Sue Stevens Sue Stevens has held leadership roles in top financial organizations for twenty years. She is Founder and President of Stevens Wealth Management LLC, Financial Happiness LLC and Stevens Visionary Strategies. At Stevens Wealth Management, Sue is also Chief Investment Officer and lead Wealth Manager directing all investments and personnel, meeting with clients and managing the practice. She is frequently named as one of the top advisors in the country by Worth, Bloomberg, Reuters and others. Sue was named one of 50 Distinguished Women in Wealth Management by Wealth Manager Magazine in 2008. Her book, Put Your Money Where Your Heart Is, is available at amazon. Sue holds an MBA from University of Chicago, Masters of Science in Wealth Management from The College for Financial Planning, Certified Public AccountantPersonal Financial Specialist (CPAPFS), Chartered Financial Analyst (CFA) and is a Certified Financial PlannerTM certificant. Go to: stevenswealth. View Guest page Episode Listing: Nicholas W. Stuller Nick is a 24 year Wall Street veteran, having spent 20 of those years supporting advisors and institutions. He is considered one of the foremost authorities on financial advisor databases. His most recent seven years were spent as Founding Employee and CEO of Discovery Databases, where he built and managed an industry dominant advisor directory. Prior to Discovery, Nick held senior business development roles at National Regulatory Services (a division of Thomson Financial), as well as TD Ameritrade. He started his career as a registered representative with Smith Barney. View Guest page Episode Listing: Jordan Tabach-Bank Jordan Tabach-Bank is the CEO of New York Loan and Beverly Loan Companies. He is a graduate of the University of Michigan and Loyola Law School and sits on the boards of the National Pawnbrokers Association. His high-end pawn shop is one of the featured dealers on the Discovery Channels Final Offer TV show. View Guest page Episode Listing: Peter Tanous Peter Tanous (Washington, DC) is President of Lepercq Lynx Advisory of Washington, D. C. an SEC-registered investment advisory consulting firm. A graduate of Georgetown University, he serves on the universitys investment committee. Mr. Tanous book, Investment Gurus, published by Prentice Hall in 1997, received wide critical acclaim in financial circles and was chosen as a main selection of The Money Book Club. Other books include The Wealth Equation (Prentice Hall Press, 1999), Investment Visionaries (Penguin Group, 2003), and Kiplingers Build a Winning Portfolio (Kaplan Publishing, 2008). He co-authored (with Dr. Arthur Laffer and Stephen Moore) The End of Prosperity, published by Simon Schuster in October 2008. Peter Tanous serves on several corporate and nonprofit boards of directors. He lives in Washington D. C. with his wife, Ann. View Guest page Episode Listing: Quint Tatro Quint Tatro is Founder of Tatro Capital, a fee-based advisory firm serving qualified individual and families. He is also the managing member of FlexWater, a multi-strategy hedge fund. From 2005-2007, he served as cogeneral partner to a hedge fund managing upward to 60 million. He is well known for his trading advice through outlets such as Stocktwits, Minyanville, Forbes and his own site, Tickerville Check out an excerpt from the his book, Trade the Trader: Know Your Competition and Find Your Edge for Profitable Trading (FT Press), by visiting ftpressarticlesarticle. aspxp1637901 View Guest page Episode Listing: Jay Taylor Jay Taylor is editor of J Taylors Gold, Energy Tech Stocks newsletter. In 1973 he began working there for Barclays Bank International in New York. His interest in the role gold has played in U. S. monetary history led him to research gold and into analyzing and investing in junior gold shares. In 1981 he began publishing North American Gold Mining Stocks. His continuing interest in gold mining prompted him to study geology at Hunter College in New York City, supplementing his MBA in Finance Investments from Baruch College, NYC. Most recently, he worked in the mining and metals group of ING Barings in New York. Prior to that he was involved in the first gold loan made in modern times in the U. S. to Amax Minerals, a 250,000 oz. loan facility led by Citicorp. Along with the publishing of his newsletter he currently hosts a radio show Turning Hard Times Into Good Times on VoiceAmericas Business Channel. For more information go to: jaytaylormedia View Guest page Episode Listing: Philip Taylor Philip Taylor is a CPA, husband, and father of three. He created PTMoney back in 2007 and he founded FinCon, the annual conference for financial media, in 2011. He got rid of debt, learned to live lean, saved his money, and eventually left his unsatisfying corporate career to pursue his entrepreneurial ventures full-time. View Guest page Episode Listing: Farnoosh Torabi Farnoosh Torabi is a personal finance journalist, TV personality, and author of the new book, Psych Yourself Rich: Get The Mindset Discipline You Need to Build Your Financial Life. Watch her interview about it on NBCs Today Show here. Farnoosh recently wrapped SoapNets new series Bank of Mom and Dad, coaching young women struggling with piles of debt. Previously she appeared in REAL SIMPLE. REAL LIFE. where she helped busy women manage their financial challenges. She is a personal finance contributor for Learnvest, Credit and Moneywatch. She was a researcher and reporter for Money Magazine during and after college, she moved over to NY1 News, where she became the 24-hour news stations business producer and on-air reporter. Most recently Farnoosh was a senior financial correspondent and host of Wall Street Confidential with Jim Cramer for TheStreet TV. For more about her go to: Farnoosh. TV. View Guest page Episode Listing: Nancy Trejos Nancy Trejos is a personal finance writer for the Washington Post. After graduating from Georgetown University, Trejos worked at the Los Angeles Times and then moved back to work at the Post, where she has been for the past 11 years. Hot (Broke) Messes: How To Have Your Latte and Drink It Too, is her first book. For more information and to get a copy of her book, go to: nancytrejos View Guest page Episode Listing: August Turak August Turak is a successful entrepreneur, corporate executive, and award winning writer and author of Business Secrets of the Trappist Monks: One CEOs Quest for Meaning and Authenticity (Columbia Business School Publishing July 2013). He has been featured in the Wall Street Journal, Fast Company, Selling Magazine, the New York Times, and Business Week, and is a popular leadership contributor at Forbes. His website is augustturak View Guest page Episode Listing: Toni Turner Toni Turner, President of TrendStar Group, Inc. is an accomplished technical analyst as well as a popular educator and sought-after speaker in the financial arena. She is the author of the bestselling A Beginners Guide to Day Trading Online and Short-Term Trading in the New Stock Market, and her current book, co-authored with Gordon B. Scott, is Invest to Win: Earn Keep Profits in Bull and Bear Markets with the GainsMaster Approach, published by McGraw Hill. Toni has appeared on CNBC, CNN, NBC, MSNBC, and FOX Business News. She has been interviewed on dozens of radio programs and featured in periodicals such as Fortune, Stocks and Commodities, SFO. Observação do mercado. Fidelity Active Trader, and Bloomberg Personal Finance and many online publications, such as TradingMarkets and Equities. She speaks regularly at trading forums and conferences across the United States, including college campuses, Traders Expos, and Money Shows. View Guest page Episode Listing: Carmen Wong Ulrich Carmen Wong Ulrich is the former host of CNBCs daily personal finance show, On the Money. Shes a former special projects editor at MONEY magazine, a columnist for Good Housekeeping magazine and a contributor to the CBS Early Show. She is the author of two books, including the under-40 guide to personal finance, Generation Debt: Take Control of Your Money, (Warner BooksGrand Central Publishing) and The Real Cost of Living: Making the Best Choices for You, Your Life and Your Money. For more information go to: therealcostof View Guest page Episode Listing: Jason Vanclef Jason Vanclef attended Cal Poly, San Luis Obispo, earning a B. S. in Biological Chemistry. Over the years, Jason has felt that this degree taught him to think outside the box versus traditional degrees in Business or Finance. Jason created Vanclef Financial Group, Inc. a Los Angeles based comprehensive financial services practice, offering planning services to a wide range of individuals and small businesses. For over a decade, he has developed extensive experience in asset preservation, retirement and estate planning strategies. Jason is a Series 24 (General Securities Principal), Series 7 (General Securities Representative) and Series 66 (Investment Advisor Representative) licensed financial representative, and also has his California Life Insurance license. Additional certifications include the Graduate Estate Planning Consultant (GEPC), Certified Estate Planner (CEP) and Registered Financial Consultant (RFC) professional designations. View Guest page Episode Listing: Gail Vaz-Oxlade Gail Vaz-Oxlade is the host of very popular Til Debt Do U Part on CNBC in the U. S. Gail also writes several columns and blogs daily at her website, gailvazoxlade. The author of 13 books on money, Gails book, Debt-Free Forever, promises a no-nonsense approach to paying off debt. Gail will be releasing a new e-book in the fall called Money-Smart Kids. Fique ligado. View Guest page Episode Listing: Christopher Viale Christopher Viale is the President and Chief Executive Officer of Cambridge Credit Counseling Corp. He is responsible for all aspects of the day-to-day operations of the organization, the direction and oversight of all human resource activities, educational initiatives, public outreach campaigns and employee training programs. Christopher is an AFCPE Accredited Credit Counselor, an NCHEC Certified Housing Counselor, and is one of just a few reverse mortgage counselors approved by the Massachusetts Executive Office of Elder Affairs to counsel senior Commonwealth residents. He currently serves as Vice President of the Association of Independent Consumer Credit Counseling Agencies, as a member of MasterCards Credit Counseling Advisory Board and the National Association of Corporate Directors, in the Coalition for Quality Credit Counseling, and was a founding member and past director of the Association of Credit Counseling Professionals. Go to: cambridgecredit. org Photos: Please use both attached. Obrigado. View Guest page Episode Listing: Claus Vogt Author Claus Vogt recently published THE GLOBAL DEBT TRAP. He is the editor of, Sicheres Geld, the first and largest-circulation contrarian investment letter in Europe. He is the co-author of the German bestseller, Das Greenspan Dossier, where he predicted, well ahead of time, the sequence of events that have unfolded including the U. S. housing bust, the U. S. recession, the demise of Fannie Mae and Freddie Mac, as well as the financial system crisis. He is also the editor of the German edition of Weiss Researchs International ETF Trader, which has delivered overall gains in the high double digits even while the U. S. stock market suffered its worst year since 1932. His analysis and insights appear regularly in Money and Markets. He has a strong reputation in Germany as one of the few analysts who managed to predict the recession of 2001 and 2007 plus the bursting of the stock market bubble and later of the housing bubble. View Guest page Episode Listing: Hardeep Walia Hardeep Walia cofounded Motif Investing in June of 2010 a way to invest conceptually. He had spent more than six years at Microsoft as general manager of the companys enterprise services business and previously was a Director of Corporate Development and Strategy, helping to oversee Microsofts investments and acquisitions. He started his career at the Boston Consulting Group. He holds a BS degree in economics and engineering from Yale and an MBA from Wharton. He holds Series 7, 63, and 24 licenses in the securities industry, serves on FINRAs Small Firm Advisory Board and its Technology Advisory Committee and contributes frequently to Bloomberg TV, CNBC, Fox Business and Forbes. View Guest page Episode Listing: Bill Walsh Bill Walsh is the co-founder and president of Hennion Walsh, a full service brokerage firm specializing in municipal bonds. Founded in 1990 by Walsh and partner Richard Hennion, the companys mission is to provide each of their nearly 17,000 individual investors with a level of service, support, and guidance normally available only to the larger institutional investors. Listeners may obtain more information on the topics discussed today by calling 800-836-8240 or visiting hennionandwalsh. View Guest page Episode Listing: Doug Warshauer Doug Warshauer is the founder of Kessler Warshauer Ventures, a highly successful private equity investment firm. He developed the techniques presented in this book by modeling the prospects of hundreds of businesses. Here, for the first time ever, he makes these techniques available to families to help them better manage their money. Doug holds an MBA from the Kellogg School of Management, an MA from New York University, and a BA from the University of California, Berkeley. He lives in the Chicago area. Follow along each week with Dougs financial strategies or ask him a question on his blog, DougWarshauer. View Guest page Episode Listing: John F. Wasik John F. Wasik is an award-winning author, independent journalist, and speaker who has contributed to Forbes, The New York Times, Wall Street Journal, Reuters, Bloomberg News and a host of leading publications across the world including the AARP Bulletin, Financial Planning, The Financial Times and Readers Digest. He is the author of 15 books. He speaks on college debt issues, investing, retirement and other subjects. View Guest page Episode Listing: Lauren Weber Lauren Weber was a staff reporter at Reuters and Newsday and has written for the New York Times and the Los Angeles Times. She graduated from Wesleyan and was a Knight-Bagehot Fellow at Columbia. She frequently ate dried beans (less expensive than canned) while writing IN CHEAP WE TRUST. She lives in New York City. IN CHEAP WE TRUST: THE STORY OF A MISUNDERSTOOD AMERICAN VIRTUE is available for 24.99 Hardcover 320 pages 978-0-316-03028-1. For the publishers site go to hachettebookgroup and for more information on Laura go to LaurenWeber View Guest page Episode Listing: David Welles David Welles is a consumer advocate and a veteran finance professional specializing in compliance, IT and Operations. David has traveled extensively throughout the United States and has worked with both small and large lenders. As an Equity Optimization specialist he has seen first hand how proper implementation and execution changes the financial landscape of families for generations to come. View Guest page Episode Listing: Weston J. Wellington Weston J. Wellington, a vice president with Dimensional Fund Advisors, is one of the firms in-house research experts. He works closely with financial advisors in the US, Canada, Europe, Australia, and Latin America, showing them how a research-based equilibrium strategy helps achieve investment success and why their clients are unlikely to hear about this approach from the usual sources of financial advice. One of the firms most engaging speakers, Weston is an accomplished writer as well, with a regular column on Dimensionals password-protected website, Down to the Wire. Prior to joining Dimensional in 1995, Weston was director of research at LPL Financial Services, Inc. in Boston, and he has accumulated over thirty-five years of experience in the investment industry. He holds a BA in history from Yale University. View Guest page Episode Listing: Bill Westrom Bill Westrom is a consumer advocate and a 15 year finance and mortgage professional. Bill has become a critic of the traditional banking practices as they provide far less benefit to consumers vs. the banking institutions themselves. His own businesses, IFS Development Group and TruthinEquity, focus on educating and empowering homeowners in the implementation and execution of Equity Optimization strategies so they can make smarter financial choices about debt, retirement and making sure the next generation is better equipped to navigate an uncertain financial future. View Guest page Episode Listing: CHRISTOPHER WHALEN CHRISTOPHER WHALEN is cofounder and Managing Director of Institutional Risk Analytics, a Torrance, California, bank rating agency and consulting firm. He is editor of IRAs popular newsletter, the Institutional Risk Analyst, and heads IRAs advisory practice. He is among one of the most frequently quoted financial analysts in the United States and appears regularly on Bloomberg, CNBC, and NPR. He worked for the U. S. House of Representatives, the Federal Reserve Bank of New York, as a Mexico analyst during the 1990s, and as an investment banker for firms such as Bear Stearns Co. and Prudential Securities. During his three decades as an investment banker and writer, Whalen contributed to publications such as Barrons, American Banker, the New York Times, and The Financial Times. He has testified before both the U. S. Congress and the Securities and Exchange Commission on issues ranging from financial regulation to OTC derivatives to XBRL to the federal rescue of GMAC. rcwhalen View Guest page Episode Listing: Tom Wheelwright Tom Wheelwright, CPA, is the creative force behind ProVision, the worlds premier strategic CPA firm. As the founder and CEO, Tom has been responsible for innovating new tax, business and wealth consulting and strategy services for premium clientele for the past 30 years. He is a leading expert and author on partnerships and corporation tax strategies, a speaker and wealth education innovator. His new book, Tax-Free Wealth, shares his message of building massive wealth by permanently reducing taxes. Donald Trump selected Tom to contribute to his Wealth Builders Program, calling Tom the best of the best. Robert Kiyosaki, bestselling author of Rich Dad Poor Dad, calls Tom a team player that anyone who wants to be rich needs to add to his team. In Roberts book, The Real Book of Real Estate, Tom himself authored Chapters 1 and 21and also contributed to Roberts Rich Dad Success Stories, Who Took My Money and Unfair Advantage. Go to: ProVisionWealth View Guest page Episode Listing: Kyle Wilson Kyle Wilson, is a highly successful entrepreneur and businessman. He is the founder of Jim Rohn International and YourSuccessStore and built them into multi-million dollar enterprises. Hes worked with the top names in the personal development industry including, Jim Rohn, Og Mandino, Brian Tracy, Zig Ziglar, John Maxwell, Les Brown, Denis Waitley, Darren Hardy and many others. Kyle is the author of 52 Lessons I Learned from Jim Rohn and Other Great Legends I Promoted and co-authored Chicken Soup for the Entrepreneurs Soul with Mark Victor Hansen and Jack Canfield. Kyle has launched and published over a dozen personal development publications reaching over a million subscribers a week and has producedpublished over 100 hours of DVD and CD programs. Kyles current venture is Lessons From and he is collaborating with some of the worlds greatest experts in industries related to Selling, Social Media, Leadership, Marketing, Sports, Music and many more. View Guest page Episode Listing: Roger Wohlner Roger Wohlner is a certified financial planner and financial advisor at Asset Strategy Consultants in Arlington Heights, Illinois. He is the author of the popular the Chicago Financial Planner blog at thechicagoplanner where he writes about financial planning, investment and retirement issues View Guest page Episode Listing: Katherine Woodfield After 20 years of working in the pharmaceutical industry and the death of her husband, Katherine Woodfield, MBA almost watched her world vanish. A young widow with three children Katherine almost lost everything. Author of Dont Buy THAT Health Insurance: Become an Educated Health Care Consumer, the award winning book called a must read for every financially independent American, Katherine now brings her insight to the virtual classroom. Katherines perspective uniquely combines a career in health care with her experience in insurance to create her educational platform. She translates complicated technical and abstract terms into a context that can be easily understood by everyone. View Guest page Episode Listing: Jim Woods, Editor-at-Large, Traders Reserve, has covered the economy and stocks for nearly two decades. His varied experience as a financial journalist, stockbroker and money manager provides him with unique insights into the complex world of investing. He is a frequent contributor to many financial publicationswebsites including Main Street Investor, Traders Reserve, MarketWatch, Street Authority, Trading Authority, Investorplace, The Slant, Eagle Publishing, and many others. He is the co-author of the book Billion Dollar Green: Profit from the Eco Revolution. Jim holds a B. A. in Philosophy from the University of California, Los Angeles and is a former U. S. Army paratrooper. A self-described radical for capitalism, he celebrates the virtue of making money from his ranch in Southern California. For more information go to: thewealthshield View Guest page Episode Listing:Living on 34.01 a Week As my wife isn8217t here, I figured it was a great time to try something I always wanted to do since starting my blog 8211 live with very little money for a set period of time and see what I learn . I think I did well, because I ended up using only 34.01 in a whole week. It was interesting and eye-opening, but more importantly, what I learned was invaluable. A Little about the Frugal Experiment My goal was to use as little money as possible. This included both: Money I needed to pay (like going out to eat) Money I already paid for (e. g. milk that I8217ve bought) I did not include the rent as part of the experiment because there is no way I could cut back unless I moved. I did however cut back on electricity during that week, which I will talk about later. The plan was to live for a few days with as little as possible and see how I do. At the time, I really didn8217t know what I would get out of it but it was an experience that I wanted to have since I know I will gained a better understanding of life and frugality. The Daily Frugal Life During that week, I seriously cut back on everything except the bare minimums. I actually felt more energetic because I ate less and went outdoors more often. Food For the week, I ate beef noodles and vegetables that my wife prepared for most of the days, as well as some dumplings that my wife hand makes. Cost: 28.52 (according to her) At the end of day 4, I really felt an urge to have some ice-cream, so I had a scoop from the 4.99 no-name brand ice-cream container. Cost: 0.49 (it was a big container and it was good) Electricity I was trying to conserve electricity within the house as much as possible, so I unplugged all appliances from the wall. I also never turned on the air conditioning, which we seldom use anyway. As our monthly electricity bill is around 25 a month and all I really used was the microwave, I figured: Water I could cut back on eating but probably not on drinking water, so I went down to the water fountain by the fitness center to fill up a few jugs of water. It was plenty for the week so no cost incurred. Activities I went out to jog and walked a lot at night. It8217s amazing how many things you overlook when you are always in a rush. Plus I always feel refreshed after the outdoor activity so that8217s certainly something I will keep doing. I also got in a lot of blogging, as I wasn8217t watching TV or using the computer for anything else but something productive. It8217s amazing the efficiency you can achieve when you don8217t give yourself the option to slack off. What I Learned There are so many things that we hearread about but unless we actually feel and live through it, the lessons won8217t sink in. During the past week, it was a different lifestyle to say the least and while it was only short term and more extreme than normal, I learned a great deal. You Are Using More Than You Really Need This further strengthens my belief that the majority of people who think they can8217t cut back are probably not looking hard enough. Next time someone asks me for advice on savings and say they are already spending as little as possible, I will know what to say. It8217s Not as Bad as You Think Knowing that I can live just as happily with no 8220extras8221 will allow me to control my desire to splurge. It is great to know because it will further strengthen my mentality as being a saver. It CAN be Done The message that struck me the most was that 8220it can be done8221. I can actually practice extreme frugality and still be comfortable and happy. This is so powerful because I am now not afraid of survivability. Knowing this gives me a reference point for where my necessities lie and it also gives me the courage to venture out comfortably on my passion without worry. Closing Words Obviously, this experiment only lasted for a week and things could change if I did this long term. However, I felt that the experiment was a success as I8217ve found a new perspective on life. If you have any insight as to what you think about this, please share as I8217d love to know. Other Pages to Check Out: Editors Note: Did you know about the service called 5 meal plans. For 5 a month, they send you recipes of delicious, healthy, yet cheap food that costs just 5 a meal. Several of my friends signed up and they are able to eat at home more because the instructions are easy to follow, making everything convenient. The deal also comes with grocery shopping lists, which saves them so much time. Check it out yourself by clicking here and you too may be able to save more and become healthier at the same time. You May Also Like: Frugal Living Isn8217t Always About Trade Offs The Secret to Sustainable Frugality Influence Others to Save Is An Effective Frugal Tip Do You Live Frugally Just To Buy Fancy Luxuries Forhellip An Introduction to Urban Homesteading The Importance of Education Are You Guilty of This Financial (and Lifestyle) No-No Motivation Monday Graduation 8211 Find and Do What Youhellip Subscribe (and Get a Mini-Course Too) Subscribe to our newsletter to grab free amazing content and have it delivered to you. A 7-part mini course to help you spend less and be happy will be sent to you when you subscribe, and you will also get an ever-expanding How to Save Money on Everything ebook. Alternatively, stay engaged in our discussions via our twitter and facebook pages. (Dont worry about spam, because we hate it as much as you do) I8217m going to be living off 32.55 for two weeks for the next four months. Not willingly might I add. Help please White rice spreads in so many ways. You can eat rice pudding. Spanish rice made with 2 tablespoons ketchup. I buy green bell peppers and use a 4th chopped up to add to Spanish rice while cooking. Gives it a great taste. Also white rice. Make bread sandwiches or corn tortilla tacos. Eggs for breakfast with toast. Fill gallon jugs of water. One Banana daily. So your buying a sack of rice. bananas. 18 carton of eggs, whole grain bread. corn tortillas. Small bottle of cooking oil. Salt. i shop at Walmart and it8217s No more than 15 dollars a week to eat. Regarding not airing out the sheets because you live in an apartment. Why not buy a moveable clothes rack or large clothes drying rack and spread it out on that I have rinsed out my sheet in cold water and hung on the a rackrod put down the middle of my shower to dry it or clothes I hand washed and didn8217t want watering my floor. My friend puts her shirts on a rod she put down the middle of her tubshower over 7 years ago to dry rather than sticking them in a dryer. If you live where clothes lines are allowed than put one up and dry your clothes like I did. I still do as there is a clothes line outside the laundry room where I live. Clothes last longer when air dried in the shade as the sun fades them over time. I lived in a small apartment and had a portable clothes rack that folded when not in use and a clothes rack bought at store that sold racks to businesses to display clothes. You could possibly find one from a business getting new racks or a business closing down. I bought clothes rack that are poor quality from Target. My friend glued the rods in place to make it useable. I know not everyone can live so cheap even without including electric for the ref. alarm clock and whatever but being nasty doesn8217t help you. I always drink water when I eat out as it costs usually 2.00 or more for soda(Not something I like to drink often) or other drinks. I pay an average of 60.00 a month on my electric in the summer in the desert(Las Vegas) because I go to the library during the day and early evening. I cook a lot of chicken, hamburger and other meats during the winter months, fall and spring. I freeze and use it throughout the month. I will eat many meals like spaghetti, chicken and the like cold. I have heard microwaving everything is bad for you. In the summer I buy a precooked chicken on Sunday for 5.00 from Sam8217s Club and can make it last for at least 4 meals but usually more likely 5 or 6 meals. I freeze the meat so it won8217t spoil. I buy carrots for 1.00 a bag. They usually last all 6 meals if not longer. I buy discounted salad for 1.50 from the grocery store or usually a large bag of fresh spinach from the 1.00 store and have enough left over to give away or cook and freeze for other meals. Along with a 5,00 bag of rice I make summer meals for under 14.00 for 6 or more meals. Actually that bag of rice lasts way longer than 6 meals more than 12 meals. I also buy discounted meat from the regular Grocery stores but recently found Hamburger at Sam8217s Club that is 90 percent fat free cheaper than discounted meat at the grocery store so I suggest checking the non traditional stores for cheaper prices. When I was unemployed last year I was able to stock up on Food from the local food bank. Now before you get on my case I wasn8217t getting any unemployment or other help. I lived off my savings and can and plastic bottle I redeemed. I had a car payment of 217.00 a month, rent was 500.00 and I kept the electric to under 40.00 a month. I haven8217t hooked up gas as it cost 16.00 a month several years ago just for the privilege of having it turned on. Instead I use a toaster oven, crook pot, microwave(occasionally) and a 1 burner stove I bought for about 10.00 a few years ago. I heat water for my bath and to wash my hair on the 1 burner stove during the winter months. During the summer months the old water heater gets enough warmth from the sun for a quick hair cleaning (I keep my hair about ear length.) and quick shower. I stay at the library during the day and early evening. I turn on the air conditioning for 3-4 hours, at the most, then turn it off at night as I can8217t stand cold air blowing on me. I know you are told to leave the air on all day but I found I was spending at least 30.00 more a month. It was probably a lot more but I stopped using it constantly well over 7 years ago so I am not sure of the exact amount. I live in a mobile home that is well insulated and reflects heat with a white coating I put on about 3 years ago. It really helps with the heat in the summer but is bad for the cold in the winter. For the winter I bought a mattress cover from JC Penny8217s that heats the bed( cost 60.00) and I only need a small portable heater which I move to the room I am in during the day when I am home. During the day it doesn8217t get below 55 degrees and I am originally from the east coast so I can take the cold better than most people. I do not always live on this tight of a budget but it can be done and regularly. I eat better now because of shopping at the 1.00 stores and finding fresh produce and vegetables that are good and around a 100 a bag. When I was younger I would buy bologna and just Ramon Noodles for a lot of my meals. I paid out a lot more for things like rent. electric, gas insurances and the like. This was after moving to Las Vegas. I learned to cut back when I got rid of my boyfriend who left on every light and kept the heat on when he left for work. He never seemed to have enough to contribute to these extra bills. So now you can see that even in 2016 you can save money still on groceries by just finding the 1.00 stores and getting on a friend s Sam8217s Club card. I still buy chickens for 5.00 precooked that are usually more than 2 pounds. I make a soup out the bones some pieces of chicken onion, carrots and rice or potatoes. I buy fruit in smaller packages and eat that for breakfast along with Oatmeal or a box of cereal (12-14 ounces or so) bought on sale for 1.99 at Smiths or Albertsons. I buy a bigger box of Oatmeal and it will last about 12 days depending on how hungry I am in the morning. My grocery bill for a week has never been more than 50.00 a week but it is usually no more than 35.00 even when I buy toothpaste, shampoo, cleaning products and laundry soap in a 2 week time period. I have known of at least one recently arrived immigrant family who joined a very low cost gym, did use the pool and fitness center as intended but also remarked that they could all shower at the gym and save on their water bill. I thought this was very smart and creative and would not characterize it as taking advantage. Hi Everyone, It8217s a question of degree. A radical or too extreme approach to change is both scary and ineffective, because we8217ll go back to the habitual. As I see it, the greater part of the issue is not the use of energy and resources, but how much and why. There is a tendency to entitlement, and to indulge, as we8217re constantly invited to do by the media, etc. 8220I deserve it8221 a commonly heard phrase, so we may fill the tub every night instead of once or twice a week run the washer with just a few pieces of clothinglinens, or buy more food than needed for any number of reasons, or none. Developing awareness put me in touch with an exquisite sensitivity regarding too much or too long. My conscience now informs me. And, I believe my tiny contribution is important to the whole, part of my feelings of self-worth. I like the comment about community. Solidarity is definintely inspiring. I live in the high desert of California where the community is strong and growing in awareness. 8220Sweaty sheets8221 is not a nightly occurence, and sheets are often air-and-sun-washed. This may disgust some, but there is nothing disgusting about an air-freshened sheet or blanket in between less frequent washings. MANY of us do not shower every day, and we still smell good. Bird-baths are economical and work great (washing face, ears, neck, armpits, crotch, and feet in one gallon of water, half to wash, half to rinse. Outdoors even better) Thank you for all comments, your interest is so appreciated. I typically try doing this for a month at a time, and it8217s very difficult come week three. Your frugal meals start getting distasteful, you get bored of the same activities and your computer, and as much as I hate to admit, friends saying 8216let8217s go out8217 sounds more and more appealing. The outdoors is the key, a spending fast is a lot more difficult to do in the winter. I find myself in the winter months going to the mall, or Target or a bookstorelibrary and reading for free. I8217m good at not buying things and just derping around, but I know may others probably wouldn8217t be. Just proves that even for a person that hates shopping, in a cold environment it8217s hard to come up with free things to do The more time goes on, the extreme restriction becomes stressful. Of course, long term practice makes perfect I get a little bit better each time I try a spending fast, and a little bit more creative. Changing habits is stressful, and it does take time, but it can indeed be done Hi thanks for letting me read this article haha. Good job on that week Myself am not a real spender. Only thing I use in my free time is the computer for blogging and watching television.. Bills are not split in this household but my partner buys all the food and drinks we need. Plus she gives me 200 euro a month for helping out with the bills. She8217s sometimes just as frugal as me because she ONLY buys the cheap brands which does save ALOT of money. Around 200 euro8217s a month on food for our family of three Not much it can easily add up towards 3-400 a month if were all on luxury. I would be on the noodles if I was alone, but as im 26 years old ive got a family to take care of and we need healthy food as we8217re all busy during the week with our jobs and saving our 1200 each month for investing towards dividend income paying company8217s I am definitly going to try this out. I lived and slept in the mountains for 4 months when hiking last summer and even then I spent 15 a day on food. Even though I write a lot of moneysaving articles and know a lot about it, my own spending habits are pretty lousy. This is going to be fun, thanks for the inspiration David I have read the ways to save money and have a question which needs an answer. I live alone, use my microwave 1 time a day to heat something. Burn 1 lamp with an energy saving bulb. ONLY and my bill is 124.00 a month..Keep my heat on 68 in winter and 70 in summer. This seems like a hefty amount..The only thing I keep on is my tv8230 Any advise.. Heck, I do this virtually every week. I live on approx 8000year. Hi I8217m moving out of my parent8217s house in March, with a roomate. The apartment is about 700 (split between us, 350) and near our school so we can walk. Furthermore, it8217s very close to the mall and a myriad of gyms and restaurants, so work would be very close (both currently working, but not in that area). We have both agreed that we don8217t need cable, and that we will take short showers and use the AC sparingly. We both agree that internet is important, and that we will be seperately responsible for our own food and cellphones. I8217m not quite sure how to cut down on prices, besides that, though. I8217m a vegan, but the cheapest I can see myself getting enough calories is 200 a month. I can likely bring it down more, but it would need to be creative. I was thinking of having either a baked or mashed potato with coconut oil for dinner to bring the price down. I feel like I can make the estimated 600 a month work, but I8217d REALLY like to cut the costs down. Cell phone usage would be another biggie. Major carriers would be charging you something like 100 a month, which you can totally get for a cheaper price. Depending on how much you want to save, you may even want to cut out the data plan since you already have internet at home, and can use WiFi service whenever it8217s available. I wrote a big, long comment and then lost it. So here8217s just a few things to remember: 1) Eating straight meals can be cheaper than junky, fake food. I spend no more than 2pound for meat, and 1pound for produce. Look for deals and use coupons. Search Drugstore Game to learn how to save on personal and household items. Besides the more make-ahead meals you can come up with, the better. I love this book called 5 Dinner Mom. She8217s online, too. 2) Make your own dishwasher and laundry detergents. The basics behind them are Borax and Arm amp Hammer Washing Soda. For about 30, you can make a HUMONGOUS load of powdered laundry soap. If you don8217t have 30, just make it with 1 bar Fels Naptha, 2 cups each of Borax and Arm amp Hammer Washing Soda, half a container of 1 Dollar Tree 8220Oxyclean8221, and if you can get a deal on Purex Crystals (Walgreens often puts it 2 for 6), the crystals will last for months. Once you8217ve bought the containers the first time, just buy Fels Naptha (1) oncemonth plus one extra item, you8217ll be able to cut down on how much you pay at a time, and still save a fortune. besides, you8217ll need 2 cups each of Borax and Washing Soda for dishwasher detergent. Add several packets of Lemonade Kool-Aid (for enough citric acid), about 6, depending on how hard your water is 8211 some people have to use 12, but at 10 centspackage, that isn8217t bad. onegoodthingbyjillee201208make-a-years-worth-of-laundry-soap. html 3) I get the whole debate on water, but he8217s only getting a few containers at a time and he did say water fountain, not the spendy spring water they have to pay for. To counteract this, go to one of those purified water machines where you bring your own jugs 8211 only costs about 35 centsgallon. It can even be used for goldfish water 4) Ya know how you take home leftover food at the restaurant Do the same with food left over after a meal. Entreessides get frozen and labeled. Leftover scraps of veggies can be frozen to put into a soup. And by the way, if you typically find that you bring home leftovers from the restaurant and end up tossing it, freeze it when you get home instead. I retired in 2009. My job gave me an early retirement. A lump sum money came to me. Now it is 2013. I used up a lot of that money and it is almost gone. At 62 I got my social security benefits. The lump sum money was suppose to last to my last day of living. The other day when I discovered that I only have a little money from the lump sum left. I lost it. My blood pressure must have gone up a lot. I have to get a job and learn how to be a full time miser and be frugal. Live my life like they did during the 19308217s. I feel very sad and cry alot. Besides being a miser 8230now it is time for a job search8230 You8217re kidding, right Basically you8217re pulling numbers out of the air8211asking your wife the cost of dinner, 8220figuring8221 the cost of electricity8230 To really be frugal, you need to be disciplined and know exact prices. This experiment was nothing but a change in routine for a week. I live on my Social Security, and I am always looking for frugal living blogs. Living frugally allows for no waste 8211 which is where a lot of money goes. If you live frugally, then you will have enough money to do what you REALLY want to do. I am in Mexico right now, no car, no phone 8211 I ride a bike, take buses, and use free WI-FI. The rent for my little casita is 340 a month. My landlord is preparing a small single room for my next visit here at 200 a month. Food here in Ensenada is cheap. Beef is expensive, but chicken is a good buy at 25 pesos a kilo (0.94lb). Ensenada has an excellent fish market downtown and fresh fish fillets are 50 pesos a kilo (1.89lb). Fruit is very inexpensive, and strawberries at the farmers8217 market are 10 pesos a kilo (0.38lb). Oranges are 25 pesos for 3 kilos (0.31lb). So you can eat well here on a low budget. And I almost forgot, street food here is delicious, and a deep fried fish taco is only 12 pesos (1.00). I like to travel, but when I do, I have no expenses, or ticking money clock, back 8220home8221 while I am away. Now I realize that everybody can not do this, but I hope it illustrates what can be done on a frugal budget. Here are a few more frugal tips you missed: 1 Try homeless living 8211 you can live in your vehicle, but you cant drive your apartment. No more PGampE bills. you can get electricity with an extension cord and plugging into other people8217s outdoor sockets (look for a little box on a pipe coming up out of the ground). 2 Bike everywhere. Dont buy one in a bike shop, just buy a pre-stolen one and pay it forward later. 3 Get your food from upscale restaurant dumpsters. If you go around to the back door where the cooks and dishwashers hang out, they might give you some scraps. If your ego is too big, say that you have a starving dog at home who would love some left over steak. 4 Take up stand-up comedy as a backup career. Dennis Andrews says: I like the post but I was astonished that your electric bill was only 25 per month How is that possible I have made electric bills down to25 easy in the winter. Bldg heat is included, appliances like lights. free tv, fans I either keep on power strips, or connected to wall outlet controlled by onoff switch. Air conditioners, by rooms are most effective with fans circulating cooler air throughout home, have one ac unit on, have fans do the rest. Have lousy air flow, so always buying a fan or two end of summer, half price. Am on a 8216framily8217 plan, people link cellphone plans on one bill, one account holder. My bill, if I stay, will be 25 monthly or so, and provides me some internet access, not lots. Need to know your friends if you do that. I think of frugality, poverty as a game, and other things like lots of you guys. But food, that8217s challenging. When I go for groceries, first thing is checking 4 markdowns in discount bins, often cashiers allow coupons on top of discount. I gotta tray of pork chops for 1 cuz I picked up discount meat, but found a hole in pkg. I note price on shelves, if it8217s rung up incorrectly, cashiers allow the lowest price, that may B law in my state. Look first for the damaged items on my crucial list, got a mgr to mark kitty litter, 40 lbs for5 few weeks ago. Work at a fast food restaurant these days, and mornings with little food choices, just go to work, have my employee meal 4 breakfast. Bought my tv yard sale from church friends, 6, plays dvds even vhs tapes if I m cautious. when I run close to nothing in eof month funds, I clean as much as possible. I like making things, creative, and give them to friends who have less and my rag basket gets lotta use, try a braided rug next. Living on the low end of income scale can be frightening, but not necessarily so. If at end of month, I have a 5spot, I choose only the crucial, like medicine. I aam fortunate to be creative. It helps to think outta the box. Liking this blog thing. I can really relate. Obviously it8217s more expensive to live in January 2013 than in September 2008 when the blog was written. The author obviously didn8217t have to drive (40wk not counting mandatory insurance) or take public transportation (10wk for bus or 31month), and he didn8217t include the cost of internet either (17.50wk for the high speed my work requires amp no competition in my 8216hood). And I hope he took a shower (7wk) and did laundry (7wk for one with no linens). Food is also much more these days. I can get by on 20wk for just me with no meat or milk, but if my son is with me it8217s a minimum of 60 for some fresh produce, meat, and milk. Every penny I make is budgeted. I don8217t have any room for mistakes, so I am painfully aware of how much things cost. I cut back on electricity and water as much as I can. I buy clothes from the thrift store, do book swaps, grow my own veggies, and sew. But I have to save up for things like new shoes and a trip out of town to see family (gas alone is 50 or more). I make a decent salary, but student loans and mandatory retirement contributions eat up a huge chunk of my paycheck. I don8217t know how minimum wage earners keep their heads above water. YOU SPEND 31 PER MONTH FOR PUBLIC TRANSIT. I spend 128 per month for public transit 80 of our public transit budget goes for wages and benefits for the unionized employees, and the system continues to jack up the prices and lower the service provided. Recently 8 employees were fired 8212 five of these were earning over 100,000 per year, mind you 8212 for turning in false reports of what they were supposedly doing to earn their paycheques, that there is ample proof they were not on the job at all. Our electricity is provided through 8220Smart Meters8221 which were forced upon us by the government and which charge the highest rates during 8220prime time8221 i. e. the time when we are preparing to leave for work or school, and in the evenings when we get home. The government, which does not take its own advice and of course charges its electricity to the taxpayers, suggests we run our washers at midnight and get the kids up for school at 5:00 a. m to prepare for school before the rates go up at 7:00. And our apartments have turned the heat (included in our rent) down to the minimum allowed by law, which forces anybody who wants to actually live comfortably in the Canadian winter to buy space heaters and ratchet up the heat during the times when the prices are highest. We have recently gotten the news that Canada is going to allow Wal-Mart and Target to put up hypermarkets including grocery stores, and not three days after this announcement, our local monopoly grocery store reduced bread from 4.99 per loat to 1.75. Coincidence You decide Being a mother with 2 kids, we have devised a few habits to help us save . we all stand in a tub to shower, and use the water to flush toilet, when i go out with my kids (in Singapore) I8217d order 1 soup with 2 extra rice, and we8217d share, the stall owners are more than willing to drown my rice in soup, since both me amp my kids would request for less meat, more veggies. libraries often organise free craft activities, museums open houses are my kids favourite as that meant free ice cream. (although we can afford it, i8217m always afraid of spoiling my kids as i notice that most teenagers nowadays takes a lot of things for granted) invest in a good insulation flast amp a 3-tier steamer cum rice cooker. that way, when cooking your soup, U can steam the rice amp fish at the same time. saves electricity. when shopping centres hold free craft game sessions with minimum spending, i8217d request receipts from big spenders at grocery chainselectronic shops, esp those without kids as they tend to throw the receipts away. my kids (46) will look on in glee whenever supermarkets have tasting sessions as that meant something new for FREE too. on the rare occasions when we have aircon on (when its 30degrees), my kids will nag at my husband if he leaves the room door open for more than 2 seconds, as that meant electricity wasted Sounds like you did the best you could during the time period, using all available resources as alternatives, enabling you to focus on the goal and in the end, the unexpected benefit of feeling more energy, and satisfaction of a goal met. Gotta say, I read everything I can find on long-distance hiking. I would love to hike, but have obligations. Every hiking story also has a tale about surving on only the necessitites. This is not new, folks have done it forever. Same story, different variables, same outcome. Ask any hiker if they would do it again. The only asnwer is Yes. and many, many have, including Grandma Gatewood. They were also much more at peace with the world and themselves in the end. the Jones take the short road, those who know how to live and not just survive, take the road less traveled. Apreciar. Ok so you say that you lived on 34.01 for a week. Sorry but I call the BS card. For one you are forgetting breakfast, lunch and dinner. You do not drink any coffee I am sure you use toothpaste, soap, lotion8230. Come On. I am stuck living on 100-200 a month due to child support and other bills. It sucks to watch others go out to eat and all I have the money for is a bag of sun flower seeds and bottled water. I plan every dollar of gas I put in my car so I can make it to work. I am not proud of the way I am stuck living but I cannot seem to find a way to get out of this. Oh and I have a fulltime job that actually pays 3400 a month after taxes. Due to me owning a company years ago my child support payments eat over half the paycheck. Then comes the necessary things(rent, phone, power8230..) and in the end I live on 100-200 and it sucks so do not glorify some BS that you can live on 34.01 a week. My last vacation was 2004, when did you last take one He said he ate beef noodles and vegetables, and one scoop of ice cream, and drank water. Granted, while that would get pretty boring pretty quickly, I8217ve eaten the same meal several days in a row. I usually don8217t eat a big breakfast or typical breakfast foods, so I could see eating noodles for two meals and snacking on veges and water. As far as toiletries go, shop around, comparison price, use coupons, and buy on sale. There are often coupons in the paper and online for toothpaste, toothbrushes, soap, deodorant, etc. Combining those coupons with sales has often gotten me deeply discounted products, and I am by no means an 8220extreme couponer.8221 Buy used. Not just cars, clothes, household items, even the aforementioned toiletries, etc. Thriftshops, garage and rummage sales, Freecycle and Craisglist, even start a trading circle with friends and acquaintances. Also, not to get green or preachy, but instead of buying sunflower seeds and water for lunch, why not bring a thermos and lunch If you buy in bulk and plan ahead you can save on food as well. Toothpaste, soap, etc. is easy to get cheap if you know how. For one, you can go to Dollar Tree. Or you can do Drugstore Game (do a search for it 8212 it8217s where you use deals and coupons to get the stuff for next-to-free.) Great comments and very helpful, thank you. It is amazing when we finally decide frugality is the best way to go. It is all about choice, long term towards retirement, making the right choices as well as a difference. It is never too late in changing bad financial habits as it is all about choice. Arminius Aurelius says: There are a myriad of ways to save money without sacrifice. When I go to work in the winter months. I turn the thermostat down to 55 degrees. I only turn on the A. C. when absolutely necessary. I find it interesting that here in the U. S. that businesses and homes have their A. C. down to the point of it being much too cold compared to Europe. When driving the car I check out the gas prices at various gas stations and then buy gas where the best price is offered when in the area. All lights in my home are turned off when I am not in that room. When I shower. I wet down. turn the water off. soap up and rinse off. Some people allow the water to run non stop for 15 minutes or so. a total waste of money and resources. When you consider that there are 365 days in a year times 50 years 17,155 days in a lifetime 18 8211 65 years old until retirement. a lot of money can be saved. Absolutely wash your own car compared to a car wash cost of about 10.00 each time. I find the Sunday newspaper 2.00 has many coupons in it for groceries on sale or often Buy 1 8211 get 1 Free. I load up on the sale items. This more than pays for the newspaper. The day after Christmas. Christmas cards. ribbons. wrapping paper. etc. are half price. I buy for next year. In the spring of the year. winter clothes are on sale and late summer or fall. summer clothes are on sale 82308230cheap. There is no need to cook every day. cook a roast that is enough for 4 or 5 meals. freeze or refrigerate the rest for another meal or two. heating in the microwave. I refuse be blackmailed by Comcast and pay them extra money for a good movie. First of all they are greedy SLIME who repeat the same sitcoms over and over again. months and years on end. Then to add insult to injury. they shove commercials in your face about 25 minutes out of every hour. I subscribed to Netflix for 8.75 a month. no commercials and yet a lot of movies are available. Also bought used videos and DVD8217s at Flea Markets and some advertised in the classified in the newspapers. I swap them with friends. You can also borrow DVD8217s from the public libraries or rent movies dirt cheap from Supermarkets. Why pay Comcast 50.00 a month for commercials and rehashed trash. When it is time to buy a 8221 new car 8221 because my car has about 85,000 or 90,000 miles on it. I always buy a 8221 new 8221 low mileage car 12,000 to 18,000 miles . It is still like new but instead of paying 44,000.00 for a NEW 2008 Lincoln. I bought a 2008 in April 2008 with only 12,999 miles on it for 23,000.00 tax included. I saved a solid 20,000.00. It was like NEW. By the way I invested the 20,000.00 I saved in Gold Bullion in October 2008 when the price dropped from a high of 980.00 in July 2008 down to 735.00 in October. The price is now about 1600.00. I more than doubled my money saved to 44,000.00. It pays to be frugal . If you need some new furniture. there are shops around that sell quality used furniture that looks like new for less than half the price. When investing. as Warren Buffet once said. 8221 Be fearful when others are greedy and be greedy when others are fearful.8221 In short when the market is irrational such as the Dot Com era in 19992000 or the housing market in 2005 to 2007. GET OUT. nothing goes up forever. A high percentage of the lumpen masses follow the crowd over the cliff and get burned . 34.01 per week. Wow, I wish I could achieve that. My car fuel consumption is already around 20.00 per week. How to live with the remanding 14.01 Love the simple photo, and most of the exercises in mindful living (except of course, the water borrowing). But, did you not budget any small portion of your frugality on some charitable sharing btw Hey tightwads, what are you saving for A shiny coffin A bigger tombstone Money earn, spend it, livelaughlearn as much as possible. Simples. Think of the things that make you truly happy, they probably don8217t require much money: lovefree, familyfree, friendsfree, religionfree, naturefree, sexfree, educationfree, travelDAMMIT Gotta earn some if I8217m gonna visit all of the continents beginning with the letter 8216A8217). Oh well, gotta save for some things. My Dad grew up in a very poor family of 12 siblings during the Great Depression, and his angel mother (who died at age 55) could scratch a living on a rock, as they used to say. 8220Use it up, wear it out, make it do or do without8221 was the motto at home. Saving can be a game. The main thing is to keep a good attitude don8217t indulge in toxic envy and jealousy of people who have much more than you do and don8217t spend it as you would spend it. What you have is what you have, and what they have is what they have. The fact that they are well off does not make you poor. Dad also used to say, 8220It8217s nice to have a yacht, but it8217s better to have a friend who has a yacht.8221 A German friend of mine taught me the practical side of this saying when we went to Balboa Island (California) one Saturday and walked along the Marina looking at the boats. Whenever he saw people sitting at their ease on the fantail, he would call out, 8220Beautiful boat8221 and more than half the time the people would call back, 8220Like to come aboard8221 We were offered tours of the boats and because we were honestly appreciative of their beauty and asked questions, we were invited for cocktails or for dinner and had a lovely time. Eventually we made friends with a couple of gay guys who owned a beauty, and were invited to join them and their friends for a three day cruise from LA to San Diego. Locally our Province makes most of its money in the recessing in liquor, cigarettes and gambling they run free buses to the state casinos in Niagara Falls, and give you 10 to gamble with when you arrive. You are required to spend a minimum time in the Falls before catching the free bus home (in hopes you will gamble) but after I spend my 10, I exit the indoors and enjoy a day outdoors 8212 pack my own lunch, bring along a couple of books and a blanket, and people-watch, enjoy the beautiful gardens (all free), join walking tours, and take digital photos. I have never won much of anything at a casino, but if you like gambling you can play the penny slots and entertain yourself for quite a while without spending more than a few dollars. Very clever Cheap and a wonderful way to spend time. I was very interested in this post. As I was reading it, I was remembering when I lived in Southern Indiana, before I even saw your line about where you lived It8217s so true - I now live in a large city and am sick of people back home in Southern Indiana talking about how they can8217t believe the rent I pay. Yeah8230 back there my rent was maybe 200 a month lower than it is here, but here my electric bill is about 30 a month compared to over 100 for the same amount of space in Southern Indiana My health insurance is 150 a month cheaper for better plan due to the competition. My cell phone bill is seriously 13rd of what it was there because none of the cheapo plans are available. Don8217t get me started on the price of internet, or that fact that when you do splurge and go out to eat, you pay twice as much for processed junk as I pay for an authentic, delicious meal. When I take my parents grocery shopping on my monthly visits back, I8217m shocked at the lack of any nutritious variety and the prices are insane. Also, this is just personal preference maybe, but not being able to safely walk anywhere (people down there kinda think pedestrians shouldn8217t be there and are for target practice) drives me absolutely bonkers. When I lived there, I had an apartment across the road from the grocery. Mas. couldnt8217 walk. No crossing light and with the hills, no real safe way to make it across four lanes. Oh, and public transit there Forget about it8230 Overall, my apartment is about 100 square feet smaller, and my 8220overhead8221 is so much lower that it is cheaper for me to live in a large city, in honestly, one of the most expensive and desirable neighborhoods here, within walking distance of three trains, numerous busses, and probably more bars and restaurants than I have any business visiting:) As for the program issues, my elderly dad, a die-hard republican, says 8220This state just hates poor people and figures if we ignore them, they will go away.8221 I8217m a few years late but I was reading this feeling consoled that maybe the corrupt gouging and social scams in Vanderburgh weren8217t isolated. Then I see you are my neighbor Ha Btw - it8217s not possible to have service for less than 50 if you have nothing on. They have monthly service fees, line fees, regulatory fees and fixed costs plus tax regardless of usage that is 43 before tax on my bills. Gas and electricity both have fees. I just don8217t eat and I lost my car to a mechanics lien because I towed it in and couldn8217t pay to get it out. An electricity bill 500 That8217s an insult I think you were ripped off somehow. It should never be that high for two people who try as hard to conserve as it seems you two are doing. That8217s robbery I lived of Tom Sawyer (cheap hotdogs) for an entire month. I bought two 45 pack when they were on sale, I think the total was about 11 something. 34.01 is a joke. My hair was falling out because of malnourishment but it was worth it. It8217s a great story. This post made me furious. To people on a low-income, survival on a small amount of money isn8217t a fun game. Poverty is not an interesting experiment. Poverty constricts you, tightens around your chest so you feel you can8217t breathe. It is a constant whirl in your head, something that controls you, has you in its grip, something it8217s near-impossible to escape. You don8217t know what it feels like until you experience it for real. It8217s fine for you because you don8217t HAVE to live on 34.01 a week. So for you it8217s all lighthearted fun, and you think hey, this is easy, anyone can live on this amount of money, what8217s the big fuss But, aside from the way that poverty will grind you down over time until your life is literally just survival and nothing more, what happens if you get a medical bill through, or a vet8217s bill, or your washing machine or your car breaks down, or any one of the huge number of things that can blindside you and require an immediate and huge sum of cash Oh sure, it8217s okay for YOU, because to you this was all a game. You have savings, insurance, money stashed away for just such an eventuality. But for the person in real poverty, who is unemployed or on a low wage and living paycheque to paycheque The person that was stretching out that 34.01 a week to cover the basics of survival, and couldn8217t afford to put any away, so has nothing to fall back on That person is royally screwed. So articles like this are just insulting. Patronising, middle-class hogwash. Great reality check. Specially of you look at the photo on the top8230. in that perspective, it is hypocritical, because the undertone of this article is to to live frugal, is to scrap for money for the next big material thing. That8217s the motivation factor, not the reality that many have to live in, with no choice of drinking water in the fountain at their gym with fancy weight lifting and treadmills8230. Okay, why are you furious again I think the overall point of the article was that if you analize what your true NEEDS for survival are, you csurvive. However, surviving and LIVING life are 2 different things. I grew up in poverty with a few close calls with homelessness. I am not bitter about that situation though, it makes me work harder and strive farther so I will never go though it again. Whining about how bad things are will not change it. You have to be the change as ghandi would say. What are you doing differently today to make it better than yesterday What will you do today to make tommorow better Think about it, then do it. Stop griping about it or find a way to get paid for griping. Piss or get off the pot. I am done. This is an interestign idea, but I put some thought into this experiment: 1) water 8211 getting it from you gym does not mean it is free. It means you are passing the cost to others at your gym. That8217s not being frugal. 2) eating non-nutritious, cheap, mass produced food. Why would you want to do that It is poisoning oneself for the sake of 8211 money 8211 something that you can always make more. 3) I really enjoyed the comment of the vegetarian, saying you can get by on 20week. In fact, even if you are not vegetarian, you can do something like that. If you go to your local fish market, it is amazing the amount of fish that gets thrown away, because some people can only eat the 8220salmon fillet8221. If you get the left over from that operation, you have material for a very nutritious food and delicious as well. 4) electricity, gas 8211 I totally agree. Decreasing your carbon footprint while getting exercise is the thing to do. 5) entertainment. Concordo. How about books How about your library We pay taxes to keep libraries well stocked, and it is a pleasure to share that with your neighbor, decreasing the amount of paper in the world. That is the type of cost sharing that is easy on nature, and on the pocket. I thing being frugal is important, but once being frugal to save money becomes the main objective, I disagree completely, because the point is to detach from the material craving, not to save money to fulfill that bottomless need. First off - Great Job - a little unrealistic as you didn8217t add in utilities and rentmortgage but as far as food and other goes well done. I do want to ask one thing8230 did you say that you only spend 25 in electricity. Yeah back when I had an apartment, electricity was only 25 or so a month. Now that we moved to a house, it turned to 100 with the same lifestyle. Go figure8230. LOL I was wondering I live in a house so if I make it at around 60-70 I8217m doing well8230. sigh. and I don8217t really use that much. Did you take into consideration phonetvinternet bills Those are biggies. I8217m with Gayle. As a former property manager, stealing water from the gym doesn8217t count and is so irritating to the people who provide that convenience. They have to replace what you took for your budget savings from the patrons of the gym who pay for that service. Not cool, man. You have water running out of your faucets. Get a filter and save money that way. Thanks for the concern. I fully agree that it8217s just shifting the cost to someone else. It was an experiment, and using public resources for personal gain is not something I would recommend. With an attitude like that, you8217ll never make it in Congress. Glendon Cameron says: I had to do what I had to do. I really did a great deal of soul searching and reading, it prepares you for the other trials and tribulations that may come in life. I just found this blog this year it is very interesting. Yvonne Genise says: Hello Glendon, Are you still reading this blog on occasion It8217s March 6th amp I saw your story about making it on 7500. Wow. That8217s impressive. Glendon Cameron says: Hmmm this sounds like something I was 8220forced8221 to do years ago. I got laid off and I knew things were not going to be easy. So I sold everything I had and moved in with a roommate( I would be getting unemployment) This gave me a 1500.00 and I had one more check coming in. I was able to live off of 7500.00 for a year. Granted more than your 34.00 per week, it just showed me how you can lived a decent life when you do not have a lot of money. This was like 15 years ago, but one thing I still do is walk for hour a day, getting out really clears the head. Yvonne Genise says: Hello again Glendon, As usual, I8217ve got one foot in the present, while my mind is in the future. It8217s only March 4th. My goof. I have done similar methods like this but it was usually because I lost my job and had nothing to live on. I survived about three months on a dollar a day. I lived off of three Little Debbie cakes a day. I was thin like a rail and lost some of my teeth from malnutrition. Ahh8230good times. This sounds similar to my current lifestyle, except for a bit higher amount for food. You8217re right, it8217s nice because there8217s less clutter and you get to enjoy the little things that matter more than filling up your time with stuff. Thanks for sharing your experiment. I live in northern PA and we have snowstorms during the winter. This allows for our electricity to go out at the most opportune times. A year ago this happened. No showers. No T. V. Only a quiet winter night and the crackle of the wood fire. I have to admit that I am an addict to t. v. and the internet. I really think t. v. is a terrible use of time and plan on never paying for it (right now it is included in my rent). But that few days was the absolute best. I never felt more at peace. I had a wind up emergency radio, my dog, and family. It was really a peaceful time and made me appreciate everything I had. I find it interesting that you did this experiment at a time when you were alone. I know I could live very frugally by myself, but with two8211and sometimes three8211near-adult daughters and a husband, I find it really difficult to cut back on things like food. The mom instinct to provide a healthy variety of fresh fruits and vegetables, for example, is hard to ignore (and fairly pricey.). I also notice you had the benefit of eating food your wife had prepared ahead for you. How would you do if you really had to do it all yourself I8217m not trying to put you down. I love your blog and I think this was a great experiment. I guess I8217m just jealous because I know I could save so much money if I were living on my own. There8217s absolutely no need to be jealous. Yes, money is important to all of us but I8217m sure you will agree that family is much more important than money, and that money is a vehicle to meet our goals and not the goal in itself. Sure, I can be more frugal when I8217m alone but without my wife, having money is meaningless. It was a fun experiment, and it would be fun to try it with my wife as well. Perhaps you can try it with your family and see what happens Of course, the purpose is to have fun and to actually deprive yourself If you do try it though, report back and let us know how you do. Wow, that is a great test. I have to say that you almost thought of everything and I think I8217m going to try something similar and see how much I can live on. I know there are times when I8217m spending more, but there are some weeks where I think I might be close your amount. Over the past two months my wife and I have been cutting back on going out and trying to save money. We are trying to save enough for a house, and have saved thousands over the past two months by eating at home more, cutting coupons, and trying to not to do any extra activities. It8217s been quite boring, but we are almost at our goal so it8217s worth it. It doesn8217t have to be boring. In fact, we entertained ourselves by thinking of ingenious ways to entertain ourselves. For instance, we each took turns hosting our 8220date night8221 and the challenge of doing something special for free or on our maximum budget of 5 per week kept us thoroughly occupied. How awesome Unfortunately, lack of money has come between my husband and me. When I bring up that it8217s Date Night, he says, 8220We don8217t have any money.8221 It KILLS me, because to me, Date Night can be spent in our bedroom 8212 totally free But with just a bit of research, finding out what8217s going on downtown or what have you 8212 maybe an art show, etc. 8212 I bet we could have something really sweet. If I may, I8217d like to suggest a few ideas: talk about some of your fondest childhood memories, your most exciting experiences, your dream (I8217d love to visit Wales, hear them sing, and learn some of the Welsh language), or the like. That doesn8217t cost a thing That8217s a neat experiment. I don8217t know if I8217d be able to do that 8211 filling up on several jugs of water for free at the local fitness center kinda makes me feel pretty embarrassed. This is like helping yourself to extra condiments at the fast food place 8212 essentially, my mother would have said, it8217s stealing. (She was very strict about those little hotel amenities too she said they were to use while you were in the hotel and if you didn8217t need them, you should leave them alone.) It8217s not stealing when you take a few condiments at the fast food place or the hotel amenities to carry home. Trust me, you are paying for them, indeed Companies figure out what the average person uses amp the cost is figured in to the bottom line of what you paid. Now, if someone were hoarding the condiments amp amenities (taking more than what the average person would use), then that would, indeed, be stealing. There8217s a very thin line. With both hotel shampoos and ketchup packets, once they8217re opened they8217re essentially yours. If you take two packets and only use one, you can put the extra back. But if you use half the shampoo bottle, the hotel doesn8217t combine it with another patron8217s half-full bottle and put it out again. And I8217m not sure, but I think even if you leave a full bottle they may trash it in order to leave the next patron a bottle they know is new. Kind of like how if you don8217t eat your bread in a restaurant it can8217t be served again. That being said, in my opinion, both mini soaps and salt packets contribute so little to to the overhead of the business that if I am genuinely going to use the product, I have no problem walking out with a reasonable amount of extras. (Plus I know I8217ll recycle the plastic bottles I8217m not sure about the hotel.) I agree completely. Well said The customers do indeed pay for condiments. It really is amazing what you can do, we have done this kind of thing when we wanted to save fast 8211 or when I bought a sofa in the sale and paid cash leaving only 10 in the bank for the month8217s food. We could have paid by credit card and paid it off with minimum payments and the sofa would have cost twice as much 8211 mmmm, a no brainer really. Love your experiment. It is actually my life and not because it has to be. We are trying to put every penny, and I mean every penny, into the oil market right now so I guess it is sort of an experiment. Being a vegetarian I can eat for 20.00 a week. Really, 20.00. P. S. A wonderful quote I read this week 8220every penny you spend is risking a little bit of your future8221 On the other hand, my father tested milk for a farmer who was 93 years old and 8220saving his money for his old age.8221 When he died, never having enjoyed a single cent of his money, his son blew every dime on the horses. Rather than saving my money for my old age (and who knows if I8217ll even have an old age), I am spending my money to build memories which I am recording on paper in a book (having had three computer hard drives crash and eat everything I had stored in them, and four different kinds of 8220media8221 vanish so that the disks can no longer be accessed) so the kids will know why they8217re not getting my money to blow on the horses. Very interesting experiment, and I applaud you. But I do have one bone to pick 8211 when you got your water from the fountain by the fitness center, you simply transferred your own expenses to someone else. It8217s a personal choice, but one I wouldn8217t make. Thrifty Gal says: Businesses save money by transferring their costs to their employees. For instance, my employer decided to encourage direct deposit of paychecks. This way they save paper, as well as a secretary8217s time to pick up the checks and deliver them to each person. You can look at them online if you like. When people look at them online from home, if they decide to print off the info, it8217s their paper, not the company8217s. That8217s exactly what my company has done. I don8217t mind so much because I don8217t need to print them off unless they are needed for proof of income. Saves a few trees as our personnel director had stacks of paycheck stubs that people didn8217t pick up because they had direct deposit.
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