Investing in Blockchain Technology with Eric Ervin

Eric Ervin created an ETF of blockchain technologies. He knows the power behind the technology, and can see larger companies using blockchain technologies in a variety of ways.

Not only can blockchains develop cryptocurrencies, but they can also work to record legal contracts and be a record of documentation.

Then the panel discusses the question, “Can blockchain be a viable asset class”?

 

Our show sponsors

Proudly sponosred by Buzz indexes (BUZ on the NASDAQ)

 

Today’s guest, Eric Ervin:

Eric Ervin serves as the Co-founder, President, and CEO of Reality Shares, Inc. For 14 years he worked as a Certified Financial Planner practitioner and a Chartered Financial Consultant at Morgan Stanley. Eric has been featured in the Wall Street Journal, New York Times, Barron’s, CNBC, Bloomberg and other media outlets. He is a Registered Representative of ALPS Distributors, Inc.

Website: www.realityshares.com
More about Eric Ervin: www.realityshares.com/app/member/eric-r-ervin
Invest in the Chain: www.InvestInTheChain.com
Twitter: @realityshares

 

Today’s Panelists

Miranda Marquit | Planting Money Seeds
Doug Goldstein | Goldstein on Gelt
Linda P. Jones | Be Wealthy and Smart
Joe Saul-Sehy | Money in the Morning

 

For a quick bio of each of our show participants, head on over to our panelists page.

Send us your questions for a future Listener Letters episode

 

About our sponsor, BUZZ Index

Proudly sponsored by Buzz indexes (BUZ on the NASDAQ)

Ever wonder if there were a way to capitalize on all of that online chatter made by millions of investors on social media? Well, your wait is over, because now advances in Artificial Intelligence and Natural Language Processing technologies are at your fingertips…. even if you personally don’t use social media! The BUZZ Index, licensed to an exchange traded fund and trading under ticker symbol BUZ, provides investors with a portfolio of securities that delivers a basket of large cap U.S. equities exhibiting the highest degree of positive investor sentiment. No surveys. No guessing. BUZ only tracks what’s volunteered – and if you ARE online, you know that a lot of information is volunteered: millions of posts, comments and blogs are analyzed each month!

Here’s how it works: First, BUZZ targets the most mentioned large cap U.S. stocks across the Social Media landscape. The more active the conversation, the greater the reliability of the BUZZ.

Each of the most-mentioned stocks is then given an insight score based on BUZZ’s proprietary analytics and the 75 stocks with the most Bullish scores are included in the Index. Each month the BUZZ is tracked to capture the latest Big Data driven insights and then the 75 companies with the most Bullish scores are selected, positioning BUZZ to capture the highest return potential.

Invest in the wisdom of crowds. Visit MoneyTreePodcast.com/BUZZ for more information.

 

Financial Basics for Money Smart Week with Karen Chan

Money Smart Week was started by the Chicago Fed in 2001 to share resources with individuals and help them become more educated in their personal finances. It has grown to be a national event with classes, seminars, and programs offered all over the United States.

Our guest today is Karen Chan, a Personal Financial Educator working with the Federal Reserve Bank of Chicago to promote Money Smart Week.

When it comes to educating others about money, Karen Chan says budgeting and tracking expenses is critical to financial success – especially at times when changes to your life have occurred. Going over in one budget, or even two, doesn’t mean the budget failed, it just means you need to make adjustments to your other categories to make up for the short fall. Budgeting allows you to do this and keep you from spending more than you make.

It may seem old fashion, but it’s something that is a very usable tool to help you look at where your money goes: Break your budget into three buckets: Fixed expenses like rent and cell phone payment, variable expenses like clothing or groceries, and non-monthly expenses like car registration or emergencies.

The easiest way to build up savings is to do it in such a way that you never see the money to start with. Have money automatically withdrawn from your paycheck into a separate savings account or set up contributions to a retirement plan at work.

When it comes to credit for beginners, Karen Chan says get a department store credit card. You have no credit, so you available credit line will be small and the interest rate will be large, but Karen says you only use the card to start building a credit history.

Applying for multiple cards can indicate to a lender or landlord that you might be likely to over extend yourself.

Our show sponsors

Proudly sponosred by Buzz indexes (BUZ on the NASDAQ)

health iq sponsor of money tree investing podcast

 

Today’s guest, Karen Chan:

Karen Chan is a Personal Financial Educator, providing non-commercial educational information to groups. She is also a Certified Financial Planner, although she uses the experience for training instead of practicing.

Karen’s website: karenchanfinancialed.com
Get involved with Money Smart Week: moneysmartweek.org

 

Today’s Panelists

Miranda Marquit | Planting Money Seeds
Doug Goldstein | Goldstein on Gelt
Linda P. Jones | Be Wealthy and Smart
Joe Saul-Sehy | Money in the Morning

 

For a quick bio of each of our show participants, head on over to our panelists page.

Send us your questions for a future Listener Letters episode

 

About our sponsor, BUZZ Index

Proudly sponsored by Buzz indexes (BUZ on the NASDAQ)

Ever wonder if there were a way to capitalize on all of that online chatter made by millions of investors on social media? Well, your wait is over, because now advances in Artificial Intelligence and Natural Language Processing technologies are at your fingertips…. even if you personally don’t use social media! The BUZZ Index, licensed to an exchange traded fund and trading under ticker symbol BUZ, provides investors with a portfolio of securities that delivers a basket of large cap U.S. equities exhibiting the highest degree of positive investor sentiment. No surveys. No guessing. BUZ only tracks what’s volunteered – and if you ARE online, you know that a lot of information is volunteered: millions of posts, comments and blogs are analyzed each month!

Here’s how it works: First, BUZZ targets the most mentioned large cap U.S. stocks across the Social Media landscape. The more active the conversation, the greater the reliability of the BUZZ.

Each of the most-mentioned stocks is then given an insight score based on BUZZ’s proprietary analytics and the 75 stocks with the most Bullish scores are included in the Index. Each month the BUZZ is tracked to capture the latest Big Data driven insights and then the 75 companies with the most Bullish scores are selected, positioning BUZZ to capture the highest return potential.

Invest in the wisdom of crowds. Visit MoneyTreePodcast.com/BUZZ for more information.

 

About our sponsor, Health IQ

health iq sponsor of money tree investing podcast

HealthIQ is a sponsor of the Money Tree Investing Podcast.

You invest your money, don’t forget to invest in your life and take care of your loved ones with life insurance.

If you live a healthy lifestyle, you could save up to 33% on your life insurance.

  • 56% of Health IQ customers save between 4-33% on their life insurance.
  • Health IQ can save our customers up to 33% because physically active people have a 56% lower risk of heart disease, 20% lower risk of cancer and a 58% lower risk of diabetes compared to people who are inactive.
  • Like saving money on your car insurance for being a good driver, Health IQ saves you money on your life insurance for living a health conscious lifestyle.
  • These savings are exclusive to Health IQ and you must qualify to get the special rate (visit the site for more details).

Head over to HealthIQ.com/moneytree and see if you qualify, based on your overall wellness.

Roth IRA and HSA with Eric Brotman

What you need to know about Roth IRAs and HSAs.

Eric Brotman from Brotman Financial Group explains the benefits – and the differences – between various tax-advantaged savings accounts.

Doug Goldstein asks Eric to discuss:

  • Who should switch from a traditional to a Roth IRA?
  • Why aren’t HSAs (Health Savings Accounts) being used more?
  • If people are indexers, do they really need to worry about tax-deferred plans?
  • What sort of investments should people put into their IRAs?
  • When you leave an employer, should you roll your 401(k) into an IRA?

 

Our show sponsors

Proudly sponosred by Buzz indexes (BUZ on the NASDAQ)

health iq sponsor of money tree investing podcast

 

Today’s guest, Eric Brotman:

Eric Brotman is a CFP®, AEP®, CPWA®, and President & Managing Principal at Brotman Financial Group.

He appears regularly on television on 11 News Sunday Morning on WBAL in Baltimore, in print in Wall Street Journal, The Baltimore Sun, Baltimore Business, and many more.

Website: Brotman Financial Group
eBook: LowTaxBook.com – 4 Strategies to Maximize Your Income Taxes Legally
Book: Retire Wealthy: The Tools You Need to Help Build Lasting Wealth – On Your Own or With Your Financial Advisor

Disclosure: Eric offers securities through Kestra Investment Services, LLC (Kestra IS), member FINRA/SIPC. Investment advisory services offered through Kestra Advisory Services, LLC (Kestra AS), an affiliate of Kestra IS. Kestra IS and Kestra AS are not affiliated with Brotman Financial Group or any entity referenced herein. Neither Kestra IS nor Kestra AS provide tax or legal advice. The opinions expressed in this commentary are those of the author and may not necessarily reflect those held by Kestra IS or Kestra AS. This is for general information only and is not intended to provide specific investment advice or recommendations for any individual. It is suggested that you consult your financial professional, attorney, or tax advisor with regard to your individual situation. Comments concerning the past performance are not intended to be forward looking and should not be viewed as an indication of future results.

 

Today’s Panelists

Doug Goldstein | Goldstein on Gelt
Linda P. Jones | Be Wealthy and Smart
Miranda Marquit | Adulting.tv
Joe Saul-Sehy | Stacking Benjamins

 

For a quick bio of each of our show participants, head on over to our panelists page.

Send us your questions for a future Listener Letters episode

 

About our sponsor, BUZZ Index

Proudly sponsored by Buzz indexes (BUZ on the NASDAQ)

Ever wonder if there were a way to capitalize on all of that online chatter made by millions of investors on social media? Well, your wait is over, because now advances in Artificial Intelligence and Natural Language Processing technologies are at your fingertips…. even if you personally don’t use social media! The BUZZ Index, licensed to an exchange traded fund and trading under ticker symbol BUZ, provides investors with a portfolio of securities that delivers a basket of large cap U.S. equities exhibiting the highest degree of positive investor sentiment. No surveys. No guessing. BUZ only tracks what’s volunteered – and if you ARE online, you know that a lot of information is volunteered: millions of posts, comments and blogs are analyzed each month!

Here’s how it works: First, BUZZ targets the most mentioned large cap U.S. stocks across the Social Media landscape. The more active the conversation, the greater the reliability of the BUZZ.

Each of the most-mentioned stocks is then given an insight score based on BUZZ’s proprietary analytics and the 75 stocks with the most Bullish scores are included in the Index. Each month the BUZZ is tracked to capture the latest Big Data driven insights and then the 75 companies with the most Bullish scores are selected, positioning BUZZ to capture the highest return potential.

Invest in the wisdom of crowds. Visit MoneyTreePodcast.com/BUZZ for more information.

 

About our sponsor, Health IQ

health iq sponsor of money tree investing podcast

HealthIQ is a sponsor of the Money Tree Investing Podcast.

You invest your money, don’t forget to invest in your life and take care of your loved ones with life insurance.

If you live a healthy lifestyle, you could save up to 33% on your life insurance.

  • 56% of Health IQ customers save between 4-33% on their life insurance.
  • Health IQ can save our customers up to 33% because physically active people have a 56% lower risk of heart disease, 20% lower risk of cancer and a 58% lower risk of diabetes compared to people who are inactive.
  • Like saving money on your car insurance for being a good driver, Health IQ saves you money on your life insurance for living a health conscious lifestyle.
  • These savings are exclusive to Health IQ and you must qualify to get the special rate (visit the site for more details).

Head over to HealthIQ.com/moneytree and see if you qualify, based on your overall wellness.

Change Your Money Beliefs with Belinda Rosenblum

Belinda Rosenblum says we form self-limiting beliefs based on negative things we’ve seen, or perceive to be negative, that subconsciously prevent us from being or doing the same thing.

Belinda believes we should stop and look at our past to understand where these beliefs were formed.

She gives an example of Justin, who believed it wasn’t safe to have money in the bank, nor could he trust women with money. When Justin was 7 years old, the money he earned from a paper route was taken from his piggy bank. He told his mom, “We’ve been robbed”. His self-limiting belief was formed that moment when hearing her response, “Oh, I needed the money.”

Do you have money beliefs that are holding you back? Or do have money beliefs that help you excel?

The panel jumps in to discuss this. You don’t want to miss it.

 

Our show sponsors

Proudly sponosred by Buzz indexes (BUZ on the NASDAQ)

health iq sponsor of money tree investing podcast

 

Today’s guest, Belinda Rosenblum:

Belinda Rosenblum is a Certified Public Accountant, member of the National Speakers Association, and Certified Coach who has been featured on ABC, Fox News, and Yahoo Finance.

Website: www.OwnYourMoney.com

Take the Money Assessment at www.OwnYourMoney.com/MoneyTree

 

Today’s Panelists

Miranda Marquit | Planting Money Seeds
Doug Goldstein | Goldstein on Gelt
Linda P. Jones | Be Wealthy and Smart
Joe Saul-Sehy | Money in the Morning

 

For a quick bio of each of our show participants, head on over to our panelists page.

Send us your questions for a future Listener Letters episode

 

About our sponsor, BUZZ Index

Proudly sponsored by Buzz indexes (BUZ on the NASDAQ)

Ever wonder if there were a way to capitalize on all of that online chatter made by millions of investors on social media? Well, your wait is over, because now advances in Artificial Intelligence and Natural Language Processing technologies are at your fingertips…. even if you personally don’t use social media! The BUZZ Index, licensed to an exchange traded fund and trading under ticker symbol BUZ, provides investors with a portfolio of securities that delivers a basket of large cap U.S. equities exhibiting the highest degree of positive investor sentiment. No surveys. No guessing. BUZ only tracks what’s volunteered – and if you ARE online, you know that a lot of information is volunteered: millions of posts, comments and blogs are analyzed each month!

Here’s how it works: First, BUZZ targets the most mentioned large cap U.S. stocks across the Social Media landscape. The more active the conversation, the greater the reliability of the BUZZ.

Each of the most-mentioned stocks is then given an insight score based on BUZZ’s proprietary analytics and the 75 stocks with the most Bullish scores are included in the Index. Each month the BUZZ is tracked to capture the latest Big Data driven insights and then the 75 companies with the most Bullish scores are selected, positioning BUZZ to capture the highest return potential.

Invest in the wisdom of crowds. Visit MoneyTreePodcast.com/BUZZ for more information.

 

About our sponsor, Health IQ

health iq sponsor of money tree investing podcast

HealthIQ is a sponsor of the Money Tree Investing Podcast.

You invest your money, don’t forget to invest in your life and take care of your loved ones with life insurance.

If you live a healthy lifestyle, you could save up to 33% on your life insurance.

  • 56% of Health IQ customers save between 4-33% on their life insurance.
  • Health IQ can save our customers up to 33% because physically active people have a 56% lower risk of heart disease, 20% lower risk of cancer and a 58% lower risk of diabetes compared to people who are inactive.
  • Like saving money on your car insurance for being a good driver, Health IQ saves you money on your life insurance for living a health conscious lifestyle.
  • These savings are exclusive to Health IQ and you must qualify to get the special rate (visit the site for more details).

Head over to HealthIQ.com/moneytree and see if you qualify, based on your overall wellness.

Diversified Investing Retirement Accounts and Rebalance Listener Questions

We love getting your questions.

Kai from Norway started investing in mutual funds and is looking into REITs. Doug gives the caveat of non-Americans investing in U.S. ETFs.

Matt works in NYS, has savings, he and his wife max out their retirement savings and have a great household income. He wants to know where else to invest.

Gary only has investments and cash savings. Is there a way he can take advantage of market returns while still having a nice cushion of cash?

Justin has a stock that went down 60%. What are the things to consider when keeping or selling a losing stock?

Nora wants to know when is the best time to rebalance a portfolio.

Don has concerns about equal weighting in indexes.

 

Our show sponsors

Proudly sponosred by Buzz indexes (BUZ on the NASDAQ)

health iq sponsor of money tree investing podcast

 

Today’s Panelists

Linda P. Jones | Be Wealthy and Smart
Doug Goldstein | Profile-Financial.com
Joe Saul-Sehy | Money in the Morning
Miranda Marquit | Planting Money Seeds

For a quick bio of each of our show participants, head on over to our panelists page.

Send us your questions for a future Listener Letters episode

 

About our sponsor, BUZZ Index

Proudly sponsored by Buzz indexes (BUZ on the NASDAQ)

Ever wonder if there were a way to capitalize on all of that online chatter made by millions of investors on social media? Well, your wait is over, because now advances in Artificial Intelligence and Natural Language Processing technologies are at your fingertips…. even if you personally don’t use social media! The BUZZ Index, licensed to an exchange traded fund and trading under ticker symbol BUZ, provides investors with a portfolio of securities that delivers a basket of large cap U.S. equities exhibiting the highest degree of positive investor sentiment. No surveys. No guessing. BUZ only tracks what’s volunteered – and if you ARE online, you know that a lot of information is volunteered: millions of posts, comments and blogs are analyzed each month!

Here’s how it works: First, BUZZ targets the most mentioned large cap U.S. stocks across the Social Media landscape. The more active the conversation, the greater the reliability of the BUZZ.

Each of the most-mentioned stocks is then given an insight score based on BUZZ’s proprietary analytics and the 75 stocks with the most Bullish scores are included in the Index. Each month the BUZZ is tracked to capture the latest Big Data driven insights and then the 75 companies with the most Bullish scores are selected, positioning BUZZ to capture the highest return potential.

Invest in the wisdom of crowds. Visit MoneyTreePodcast.com/BUZZ for more information.

 

About our sponsor, Health IQ

health iq sponsor of money tree investing podcast

HealthIQ is a sponsor of the Money Tree Investing Podcast.

You invest your money, don’t forget to invest in your life and take care of your loved ones with life insurance.

If you live a healthy lifestyle, you could save up to 33% on your life insurance.

    • 56% of Health IQ customers save between 4-33% on their life insurance.
    • Health IQ can save our customers up to 33% because physically active people have a 56% lower risk of heart disease, 20% lower risk of cancer and a 58% lower risk of diabetes compared to people who are inactive.
  • Like saving money on your car insurance for being a good driver, Health IQ saves you money on your life insurance for living a health conscious lifestyle.
  • These savings are exclusive to Health IQ and you must qualify to get the special rate (visit the site for more details).

Head over to HealthIQ.com/moneytree and see if you qualify, based on your overall wellness.

Real Estate Investing for Cash Flow with Kevin Bupp

Have you been thinking about dipping your toe into rental real estate? Kevin Bupp shares ways for someone with limited capital to get into real estate investing for cash flow.

Cash flow investors look for recurring revenue they can use to spend, invest, or save for the next purchase of a rental property while others may look to purchase real estate for capital appreciation.

 

Kevin uses BestPlaces.net which gives him a snapshot of:

  • Median home prices
  • Employment rate
  • School ratings
  • Housing prices
  • Medium household incomes.

Then he researches the economical development site for those cities to see if there is a diverse nature of employment opportunities. Evaluating these measures of the local marketplace can help you determine if the real estate investment is worth the initial risk.

 

Our show sponsors

 

health iq sponsor of money tree investing podcast

 

Proudly sponosred by Buzz indexes (BUZ on the NASDAQ)

 

Today’s guest, Kevin Bupp:

Kevin Bupp says he’s been an entrepreneur all his life. Even after creating a number of successful businesses, Kevin has found time to complete more than $40 million in real estate transactions – including a number of mobile home parks.

Website: KevinBupp.com

Podcasts:
Real Estate Investing for Cash Flow
Mobile Home Park Investing

Twitter: @KBupp1

 

Today’s Panelists

Miranda Marquit | Planting Money Seeds
Doug Goldstein | Profile-Financial
Linda P. Jones | Be Wealthy and Smart
Joe Saul-Sehy | Stacking Benjamins

 

For a quick bio of each of our show participants, head on over to our panelists page.

Send us your questions for a future Listener Letters episode

 

About our sponsor, BUZZ Index

Proudly sponsored by Buzz indexes (BUZ on the NASDAQ)

Ever wonder if there were a way to capitalize on all of that online chatter made by millions of investors on social media? Well, your wait is over, because now advances in Artificial Intelligence and Natural Language Processing technologies are at your fingertips…. even if you personally don’t use social media! The BUZZ Index, licensed to an exchange traded fund and trading under ticker symbol BUZ, provides investors with a portfolio of securities that delivers a basket of large cap U.S. equities exhibiting the highest degree of positive investor sentiment. No surveys. No guessing. BUZ only tracks what’s volunteered – and if you ARE online, you know that a lot of information is volunteered: millions of posts, comments and blogs are analyzed each month!

Here’s how it works: First, BUZZ targets the most mentioned large cap U.S. stocks across the Social Media landscape. The more active the conversation, the greater the reliability of the BUZZ.

Each of the most-mentioned stocks is then given an insight score based on BUZZ’s proprietary analytics and the 75 stocks with the most Bullish scores are included in the Index. Each month the BUZZ is tracked to capture the latest Big Data driven insights and then the 75 companies with the most Bullish scores are selected, positioning BUZZ to capture the highest return potential.

Invest in the wisdom of crowds. Visit MoneyTreePodcast.com/BUZZ for more information.

 

About our sponsor, Health IQ

health iq sponsor of money tree investing podcast

HealthIQ is a sponsor of the Money Tree Investing Podcast.

You invest your money, don’t forget to invest in your life and take care of your loved ones with life insurance.

If you live a healthy lifestyle, you could save up to 33% on your life insurance.

  • 56% of Health IQ customers save between 4-33% on their life insurance.
  • Health IQ can save our customers up to 33% because physically active people have a 56% lower risk of heart disease, 20% lower risk of cancer and a 58% lower risk of diabetes compared to people who are inactive.
  • Like saving money on your car insurance for being a good driver, Health IQ saves you money on your life insurance for living a health conscious lifestyle.
  • These savings are exclusive to Health IQ and you must qualify to get the special rate (visit the site for more details).

Head over to HealthIQ.com/moneytree and see if you qualify, based on your overall wellness.

How to Outlive Your Money

Imagine this: Your sister is caring for your mother, and you feel she constantly gets financial assistance above and beyond what you think is fair. Would you be worried that your mom will run out of money?

This is the situation Pat is in. He thinks his sister is taking advantage of the situation and doesn’t want mom to end up in the poor house.

Listen to his real-life story and to the solutions the panel shares that could help you outlive your money.

 

Our show sponsors

Proudly sponosred by Buzz indexes (BUZ on the NASDAQ)

health iq sponsor of money tree investing podcast

 

 

Today’s Panelists

Doug Goldstein | Goldstein on Gelt
Linda P. Jones | Be Wealthy and Smart
Joe Saul-Sehy | Stacking Benjamins
Miranda Marquit | Planting Money Seeds

 

For a quick bio of each of our show participants, head on over to our panelists page.

Send us your questions for a future Listener Letters episode

 

About our sponsor, BUZZ Index

Proudly sponsored by Buzz indexes (BUZ on the NASDAQ)

Ever wonder if there were a way to capitalize on all of that online chatter made by millions of investors on social media? Well, your wait is over, because now advances in Artificial Intelligence and Natural Language Processing technologies are at your fingertips…. even if you personally don’t use social media! The BUZZ Index, licensed to an exchange traded fund and trading under ticker symbol BUZ, provides investors with a portfolio of securities that delivers a basket of large cap U.S. equities exhibiting the highest degree of positive investor sentiment. No surveys. No guessing. BUZ only tracks what’s volunteered – and if you ARE online, you know that a lot of information is volunteered: millions of posts, comments and blogs are analyzed each month!

Here’s how it works: First, BUZZ targets the most mentioned large cap U.S. stocks across the Social Media landscape. The more active the conversation, the greater the reliability of the BUZZ.

Each of the most-mentioned stocks is then given an insight score based on BUZZ’s proprietary analytics and the 75 stocks with the most Bullish scores are included in the Index. Each month the BUZZ is tracked to capture the latest Big Data driven insights and then the 75 companies with the most Bullish scores are selected, positioning BUZZ to capture the highest return potential.

Invest in the wisdom of crowds. Visit MoneyTreePodcast.com/BUZZ for more information.

 

About our sponsor, Health IQ

health iq sponsor of money tree investing podcast

HealthIQ is a sponsor of the Money Tree Investing Podcast.

You invest your money, don’t forget to invest in your life and take care of your loved ones with life insurance.

If you live a healthy lifestyle, you could save up to 33% on your life insurance.

  • 56% of Health IQ customers save between 4-33% on their life insurance.
  • Health IQ can save our customers up to 33% because physically active people have a 56% lower risk of heart disease, 20% lower risk of cancer and a 58% lower risk of diabetes compared to people who are inactive.
  • Like saving money on your car insurance for being a good driver, Health IQ saves you money on your life insurance for living a health conscious lifestyle.
  • These savings are exclusive to Health IQ and you must qualify to get the special rate (visit the site for more details).

Head over to HealthIQ.com/moneytree and see if you qualify, based on your overall wellness.

What Happens When Someone Steals Half a Million from You

A bookkeeper noticed checks were clearing the bank without signatures, so she began writing some herself out of her employers account.

More than $500,000 later she finds herself in jail, but who is to blame here?

Desiree Patno is the CEO and President of Women in the Housing and Real Estate Ecosystem (NAWRB) and Desirée Patno Enterprises, Inc. who found out from an outside bank that this was going on. She is now on a mission to expose the neglect from all parties involved – not just the bookkeeper – to make sure things like blank checks never get through the system without notification again.

What were some of the checks-and-balances that were missed?

Who should be responsible for the stolen funds?

Listen to the panelists discuss ways this story can relate to your personal finances.

Our show sponsors

Proudly sponosred by Buzz indexes (BUZ on the NASDAQ)

health iq sponsor of money tree investing podcast

 

Today’s Panelists

Joe Saul-Sehy | Stacking Benjamins
Linda P. Jones | Be Wealthy and Smart
Miranda Marquit | Adulting.tv on FB

 

For a quick bio of each of our show participants, head on over to our panelists page.

Send us your questions for a future Listener Letters episode

 

About our sponsor, BUZZ Index

Proudly sponsored by Buzz indexes (BUZ on the NASDAQ)

Ever wonder if there were a way to capitalize on all of that online chatter made by millions of investors on social media? Well, your wait is over, because now advances in Artificial Intelligence and Natural Language Processing technologies are at your fingertips…. even if you personally don’t use social media! The BUZZ Index, licensed to an exchange traded fund and trading under ticker symbol BUZ, provides investors with a portfolio of securities that delivers a basket of large cap U.S. equities exhibiting the highest degree of positive investor sentiment. No surveys. No guessing. BUZ only tracks what’s volunteered – and if you ARE online, you know that a lot of information is volunteered: millions of posts, comments and blogs are analyzed each month!

Here’s how it works: First, BUZZ targets the most mentioned large cap U.S. stocks across the Social Media landscape. The more active the conversation, the greater the reliability of the BUZZ.

Each of the most-mentioned stocks is then given an insight score based on BUZZ’s proprietary analytics and the 75 stocks with the most Bullish scores are included in the Index. Each month the BUZZ is tracked to capture the latest Big Data driven insights and then the 75 companies with the most Bullish scores are selected, positioning BUZZ to capture the highest return potential.

Invest in the wisdom of crowds. Visit MoneyTreePodcast.com/BUZZ for more information.

 

About our sponsor, Health IQ

health iq sponsor of money tree investing podcast

HealthIQ is a sponsor of the Money Tree Investing Podcast.

You invest your money, don’t forget to invest in your life and take care of your loved ones with life insurance.

If you live a healthy lifestyle, you could save up to 33% on your life insurance.

  • 56% of Health IQ customers save between 4-33% on their life insurance.
  • Health IQ can save our customers up to 33% because physically active people have a 56% lower risk of heart disease, 20% lower risk of cancer and a 58% lower risk of diabetes compared to people who are inactive. 
  • Like saving money on your car insurance for being a good driver, Health IQ saves you money on your life insurance for living a health conscious lifestyle.
  • These savings are exclusive to Health IQ and you must qualify to get the special rate (visit the site for more details).

Head over to HealthIQ.com/moneytree and see if you qualify, based on your overall wellness.

Taxes Early Retirement Roth IRA We Answer Your Questions

A couple listeners with more than $2M in investments emailed us with questions about retiring, their 401(k) accounts, and how to beat taxes.

Mike‘s current income puts his family over the 15% marginal tax bracket into the 25% bracket – even after deductions. Should he focus on putting money into their 401(k) accounts to stay in the 15% bracket as long as possible?

David says: A Roth IRA is a better option for young people because they have a longer time to grow the investments, and therefor more growth that is not taxed. Why do people still say max your 401(k) (i.e.: above the company match) first and then invest in a Roth?

Dana and her husband are considering early retirement in 2020. They have 9 rental properties with great equity and their personal residence is paid off, no consumer debt. She gives us her list of assets and asks, “Will we actually be able to retire without running out of money if we spend $120k a year?”

Monica and her husband have more than $2M saved. The current rule-of-thumb says we will need 70-80% of current income per year at retirement. Online calculators suggest we would need $6-$7M of total savings. Will it be enough?

Steve graduated with no debt and has a great income. Due to his current Visa in the U.S., Steve is unsure how long he will be in the country. He asks, “Where do you recommend I put my savings and investing since retirement accounts in this situation do not make sense?”

Our show sponsors

Proudly sponosred by Buzz indexes (BUZ on the NASDAQ)

health iq sponsor of money tree investing podcast

 

 

Today’s Panelists

Miranda Marquit | Planting Money Seeds
Doug Goldstein | Goldstein on Gelt
Linda P. Jones | Be Wealthy and Smart
Joe Saul-Sehy | Money in the Morning

 

For a quick bio of each of our show participants, head on over to our panelists page.

Send us your questions for a future Listener Letters episode

 

About our sponsor, BUZZ Index

Ever wonder if there were a way to capitalize on all of that online chatter made by millions of investors on social media? Well, your wait is over, because now advances in Artificial Intelligence and Natural Language Processing technologies are at your fingertips…. even if you personally don’t use social media! The BUZZ Index, licensed to an exchange traded fund and trading under ticker symbol BUZ, provides investors with a portfolio of securities that delivers a basket of large cap U.S. equities exhibiting the highest degree of positive investor sentiment. No surveys. No guessing. BUZ only tracks what’s volunteered – and if you ARE online, you know that a lot of information is volunteered: millions of posts, comments and blogs are analyzed each month!

Here’s how it works: First, BUZZ targets the most mentioned large cap U.S. stocks across the Social Media landscape. The more active the conversation, the greater the reliability of the BUZZ.

Each of the most-mentioned stocks is then given an insight score based on BUZZ’s proprietary analytics and the 75 stocks with the most Bullish scores are included in the Index. Each month the BUZZ is tracked to capture the latest Big Data driven insights and then the 75 companies with the most Bullish scores are selected, positioning BUZZ to capture the highest return potential.

Invest in the wisdom of crowds. Visit MoneyTreePodcast.com/BUZZ for more information.

Proudly sponsored by Buzz indexes (BUZ on the NASDAQ)

About our sponsor, Health IQ

HealthIQ is a sponsor of the Money Tree Investing Podcast.

You invest your money, don’t forget to invest in your life and take care of your loved ones with life insurance.

If you live a healthy lifestyle, you could save up to 33% on your life insurance.

Head over to HealthIQ.com/moneytree and see if you qualify, based on your overall wellness.

health iq sponsor of money tree investing podcast

3 Paths to Financial Independence with Deacon Hayes

Deacon and his wife combined finances shortly after marriage – only to find $52,000 in consumer debt was weighing them down. They made the choice – and a plan – to pay down that debt in 18 month.

Moving past debt freedom, Deacon began focusing on complete financial independence.

In his book, “You Can Retire Early!: Everything You Need to Achieve Financial Independence When You Want It” he describes the three ways to financial independence:

  • Real estate
  • Stock market
  • Entrepreneurship

Listen in as Deacon shares each way and how it can help you achieve financial independence.

Our show sponsors

Proudly sponosred by Buzz indexes (BUZ on the NASDAQ)

health iq sponsor of money tree investing podcast

 

Today’s Guest, Deacon Hayes

Deacon Hayes is a financial expert, speaker, and podcaster. He is the founder of Well Kept Wallet which is a financial education company that provides personal finance resources to people across the world.

Book: You Can Retire Early!: Everything You Need to Achieve Financial Independence When You Want It.

Website: WellKeptWallet.com

Twitter: @DeaconHayes

 

Today’s Panelists

Miranda Marquit | Adulting.tv
Doug Goldstein | How to Subscribe to a Podcast on an iPhone
Joe Saul-Sehy | Stacking Benjamins

For a quick bio of each of our show participants, head on over to our panelists page.

Send us your questions for a future Listener Letters episode

 

About our sponsor, BUZZ Index

Ever wonder if there were a way to capitalize on all of that online chatter made by millions of investors on social media? Well, your wait is over, because now advances in Artificial Intelligence and Natural Language Processing technologies are at your fingertips…. even if you personally don’t use social media! The BUZZ Index, licensed to an exchange traded fund and trading under ticker symbol BUZ, provides investors with a portfolio of securities that delivers a basket of large cap U.S. equities exhibiting the highest degree of positive investor sentiment. No surveys. No guessing. BUZ only tracks what’s volunteered – and if you ARE online, you know that a lot of information is volunteered: millions of posts, comments and blogs are analyzed each month!

Here’s how it works: First, BUZZ targets the most mentioned large cap U.S. stocks across the Social Media landscape. The more active the conversation, the greater the reliability of the BUZZ.

Each of the most-mentioned stocks is then given an insight score based on BUZZ’s proprietary analytics and the 75 stocks with the most Bullish scores are included in the Index. Each month the BUZZ is tracked to capture the latest Big Data driven insights and then the 75 companies with the most Bullish scores are selected, positioning BUZZ to capture the highest return potential.

Invest in the wisdom of crowds. Visit MoneyTreePodcast.com/BUZZ for more information.

Proudly sponsored by Buzz indexes (BUZ on the NASDAQ)

About our sponsor, Health IQ

HealthIQ is a sponsor of the Money Tree Investing Podcast.

You invest your money, don’t forget to invest in your life and take care of your loved ones with life insurance.

If you live a healthy lifestyle, you could save up to 33% on your life insurance.

Head over to HealthIQ.com/moneytree and see if you qualify, based on your overall wellness.

health iq sponsor of money tree investing podcast