Archives For personal finance education

We owe this topic idea to Jonar Nader’s book:
“How to Lose Friends and Infuriate People”

1) What would your workplace be like if you knew everyone’s rate of pay?

From your co-workers salary to your boss.
To the owner’s annual profit.
To bonus’ of everyone including upper management.

2) What if you didn’t get paid unless the company made a profit each month?

Would your attendance improve?
Would you be less apt to take a sick day, even though you weren’t sick?

3) What if before you got hired, your would be co-workers got to help decide on your hire, rate of pay, and saw your credit scores?

Why would these ideas scare you?
Why is our income taboo in America?
Knowing someone’s income seems like seeing them naked for the first time. Why?

Income is social status, zip code, education.
It’s a measuring device we use to make decisions about people, including ourselves.

Resources:
bookfinder.com To find “How To Lose Friends & Infuriate People”
Jonar Nader

Debt Shepherd 2017, All Rights Reserved

We discuss what you are not willing to give up to change your current financial situation.

Debt Shepherd 2017, All Rights Reserved

I talk to the host of Gnosis Cardia on blobtalkradio and we discuss the insidious money cartel known as The Federal Reserve Bank.

Resources:
Gnosis Cardia

Debt Shepherd 2017, All Rights Reserved

We talk about two listener emails and discuss the coaching process.

Debt Shepherd 2017, All Rights Reserved

Change – 220 DSR

March 7, 2017

Change is constant. Here’s three tips to keep you moving your finances in a positive direction.

Debt Shepherd 2016, All Rights Reserved

In this audio we discuss:
How long has health insurance been in America?
What’s happened to the cost in the last 15 yrs.
Why is it so expensive?
Your role in changing it if you’re not happy with what you’re paying.

Chuck Bartok’s MRI story. $2k via insurance. Had to call several local doctors to find one that took cash. Cost, $500.

According to the US Census Bureau, about 9% of Americans are covered under health insurance purchased directly by themselves, not through an employer.

Why is health care so expensive?
Not enough employees for discount?
Why all pitching money into large pot to get better rate?
Technology should mean higher volume, lower price.

I say it’s the cheap deductible.
I say no one looks at the itemized bill.
I say consolidation of power in insurance companies = monopoly on price.

Googled Ticker symbol for BlueCross/Blue Shield:
Top google hit: Wellpoint.
wellpoint.com takes you to Anthem Inc.com

Other ways to ensure better health?
Improve your diet, exercise, quit smoking, start or improve your spiritual practice, maintain good financial health.

Resources:
Ahyh
Health Care Cost Increases
WalMart dirty profit scheme
Big Bank dirty profit schemes

Get Your Mind Straight. Get Your Money Straight.
Debt Shepherd 2016, All Rights Reserved

Why a 401k might not be the great investment you’ve been led to believe.

I’m a guest of Jon White, author of the book:
A Tale of Two Houses – his journey of buying a home the right way after buying one the wrong way.

What’s covered in this audio:
What’s happening to your money when you give it to Wall Street?
How annual fees are stealing your future wealth.
The less work you do investing, the less profit you make.
The take away? 401k investing might not be what you think it is.

Resources:

Jon White – website
The Retirement Gamble – PBS documentary
How Wall Street Fleeces America – book
Wall Street on Parade – website

Get Your Mind Straight. Get Your Money Straight
Debt Shepherd 2016, All Rights Reserved

How to save money on kids birthdays and avoid conformity when making spending decisions.

a) Don’t try to force it when creating those special moments with your kids.
b) Don’t automatically think it takes money to create those memorable moments.

Instead of bringing presents to a kids birthday, how about guests spend that on food, venue rental, etc?

Example: $10/person X 10 people. = $100 plus the hosts $ input.

Child birthday near major holiday. Combine the two or not?

Debt Shepherd 2016, All Rights Reserved
Get Your Mind Straight. Get Your Money Straight.