In this episode, we discuss my Dad's personal experience with Lemon Laws with his new electric car. In the end, everything came out well but for 5 1/2 months it was annoying dealing with the dealership. My Dad is thankful for the attorney who helped him and having the Lemon Law protect him. Here is a link to what you need to know. https://www.findlaw.com/consumer/lemon-law/lemon-law-basics.html

We discuss various places to view free movies online. Most these places offer free movies or TV by creating an account and watching the movies with advertisements. My Dad favors the sites connected to the library system like Kanopy and Hoopla which offer free movies, TV, magazines, newspapers, etc. Here are the links to all the sites. 

https://therokuchannel.roku.com/

https://www.youtube.com/results?search_query=free+movies

https://www.vudu.com/content/movies/uxpage/View-All-Free-Movies-TV/206

https://www.amazon.com/adlp/imdbtv-about?ref=IMDBTV_ACQ_PSR_BRN_zzz_4el3U90ec_c492622641353_s

https://www.crackle.com/

https://popcornflix.com/

https://pluto.tv/en/live-tv/pluto-tv-romance

https://tubitv.com/home

https://lapl.kanopy.com/frontpage

https://www.hoopladigital.com/browse/movie

We discuss what Basis Points are, how they effect the loans we have and what it means for our Economy. Here is a link to a Basis Points Calculator. https://www.omnicalculator.com/finance/basis-point Also we share listener feedback regarding Episode #412: Buying A House With 3% Down? Absolutely!! Learn from someone who took advantage of the program. 

We talk about the Conventional 97 loan program and how first time home buyers can take advantage of one. Since down payments are the number one thing that stops people from getting into a house, this program might be right for you. Here is a link to a great article to how the program works. https://mymortgageinsider.com/conventional-97-ltv-program/

Spam Texts cost Americans 10 Billion dollars in 2021. Spam e-mails are just as annoying and costly. We discuss how to protect yourself with both forms of spam. Links to the things we talked about. Trash Mail https://www.trash-mail.com/en/  10 Minute Mail  https://10minutemail.com/  Mail Drop  https://maildrop.cc/  Mail Poof  https://mailpoof.com/

Based on an article on the Clark Howard website, we discuss Fees you should never pay. Here is a link to get a free Annual Credit Report..https://www.annualcreditreport.com/index.action  Also the 3 major credit unions.  Experian https://www.experian.com/lpt/credit-score-tmpl.html?conf=frsc_a&pc=sem_exp_google&cc=sem_exp_google_ad_1753197833_64047654130_459274193670_kwd-10009480_p___k_Cj0KCQiAmpyRBhC-ARIsABs2EAopvTZljjTRbetl_V-itlRLUL4IRQgIKlfyeSkMDGqFJ-hoE4GoFpIaApW2EALw_wcB_k_&ref=generic&awsearchcpc=1&gclid=Cj0KCQiAmpyRBhC-ARIsABs2EAopvTZljjTRbetl_V-itlRLUL4IRQgIKlfyeSkMDGqFJ-hoE4GoFpIaApW2EALw_wcB  Equifax https://www.equifax.com/equifax-complete/equifax-credit-report/CID=2_equifax%20free%20credit%20report_G_e&adID=502357177828&DS3_KIDS=p50144908128&campaignid=71700000060485227&sakwid=43700050144908128&gclid=Cj0KCQiAmpyRBhC-ARIsABs2EAoKxdchYy1faqoLWRWIudjxPEPg8Ottm1jG7l2-slqo4KNz2fPrE1gaAjblEALw_wcB&gclsrc=aw.ds  Trans Union https://www.transunion.com/annual-credit-report

Networks that don't charge ATM Fees. All Point https://www.allpointnetwork.com/locator.html  Money Pass https://www.moneypass.com/atm-locator.html   Plus Alliance https://usa.visa.com/pay-with-visa/atm-banking-services.html CO-OP Financial Services https://www.co-opfs.org/Solutions/Engage/CO-OP-ATM-Network. Also USAA and Charles Schwab. 

Free checking accounts courtesy of Clark Howard. https://clark.com/personal-finance-credit/banks-banking/best-free-checking-accounts/

Saving money on fees for things you can get for free makes a lot of sense to us.  

We discuss Payday Loans in this Episode-What they are, How they work and Why you should never use one. We also suggest you watch the documentary Dirty Money about Payday Loans. 

We discuss the Pros & Cons of debt consolidation . It can be really beneficial for someone looking to simplify their finances but be aware of Debt Settlement Services disguised as a Debt Consolidation Service. We go into student loans and the difference between Federal and private loans. Also here is a Student Loan Consolidation Calculator to see if consolidation works for you. https://www.nerdwallet.com/article/loans/student-loans/student-loan-consolidation-calculator

We discuss Good Debt vs Bad Debt and give examples of both. Also how tired Katelyn is from shooting the Super Bowl. And we welcome our 17th country listening, South Korea! Welcome aboard. 

We discuss the many steps you should take if you win the lottery. First and foremost, don't tell anyone! Then go incognito. Also the pros and cons of taking a lump-sum payment versus the annual payments. Here is the calculator we discussed to help you make a decision. https://www.afterlotto.com  Good Luck!!!