This week, Julie Deane, founder and president of the Cambridge Satchel Company, returns to The Goldstein on Gelt Show. Find out how her company has mushroomed in the past twelve months, how Julie came to join British Prime Minister David Cameron on a trade delegation to China, and what the future may hold for the Cambridge Satchel Company, a business that originally began in the Deane family kitchen with just £600! And don't forget to listen to all of your favorite financial tips and tricks on this week's show.

Financial resolutions are easy to make, but difficult to keep. In order to reach your financial goals, try using these ten investment strategies. Tune into the financial podcast to follow the countdown and learn about effective financial strategies.

Deciding between renting or buying a home is a difficult calculation. How can we balance the quality of life with financial risk? Doug deals with this issue on today’s show when he answers a listener’s question on how much money he should invest in buying an apartment. There are many advantages and disadvantages with renting or buying a home. Find out what all the considerations are, including the common pitfalls of buying a home. Takeaway: it depends on balancing today’s quality of life against tomorrow’s. Today’s guest, Vicki Robin, coauthor of Your Money or your Life: Transforming Your Relationship With Money and Achieving Financial Independence, looks at the quality of life and relates this to the pursuit of money. Discover how your life energy can help you gain control of your finances and get started on the path to financial independence. Follow Vicki and her work at: http://vickirobin.com/

Should the Nobel Prize in Economics be given to the person who can discover a way to invest for maximum return but little risk? Can you invest for a maximum return and with a conservative stance? Doug examines both of these concepts on this week’s show, giving advice on how to make smart investment choices. Listen to the whole show to get a link to a video clip (free) that can help you determine the proper asset allocation model for you. Today’s guest, Professor John Palmer of the University of Western Ontario explains the politics behind the Nobel Prize in Economics.  He also shares insights about the financial problems with the Boycott, Divestment, and Sanction campaign (BDS) against Israel, and why it hurts the people it’s meant to help. Follow John Palmer and his work at his blog: http://www.eclectecon.net/

Many investors are concerned about the economy's prognosis. Is there an investment that can withstand economic turmoil and provide returns for investors? Exchange-Traded Funds (ETFs) are popular among investors and professionals. On today's show, find out what ETFs are and learn:

• What are the underlying assets within ETFs?
• How do they trade?
• What are the costs involved?

Professor Donald J. Boudreaux of George Mason University explains why he is optimistic about the economy despite a nearly $20 trillion national deficit in the United States. He offers insight as to how increasing interest rates affect America's ability to pay its bills. Listen also to what Professor Boudreaux has to say about Nobel Prize winner Paul Krugman's economic views. Follow Professor Boudreaux on his blog at http://cafehayek.com

Is the recent market volatility a sign of hard times ahead? It depends who you ask. Some experts say the market's recent decline is a buying opportunity, while other analysts see it as the beginning of a bigger decline. Doug analyzes the options and shares the opinions of analyst Andrew Roberts (Royal Bank of Scotland) and previous Goldstein on Gelt guest Kimberly Foss. How should their forecasts affect you and your investments? While analysts debate whether recent market swings makes an efficient marketplace, there's also debate about efficient energy. Lynne Kiesling, associate professor at Northwestern University, explains how energy efficiency affects us all. Do politics govern energy policy, rather than scientific and economic considerations? What can the energy industry learn from the successful growth and development of digital technology? Read Lynne Kiesling's blog at http://knowledgeproblem.com/. You can also follow her on Twitter at @knowledgeprob. Visit her website at: http://www.lynnekiesling.com/

What happens if you have several children and many expenses to cover? Even if you work hard, the bills can seem never-ending. In today’s show, Doug answers a listener’s question on how to balance your budget and pay the bills. Learn 3 ways to help reduce debt and spend less money so that your paycheck lasts until the end of the month. Professor Aaron Ciechanover of the Technion–Israel Institute of Technology in Haifa, winner of the 2004 Nobel Prize in Chemistry, talks about the ubiquitin system and how it helped to pioneer successful cancer treatment. Discover how drug companies decide which kinds of research are most promising. How does Professor Ciechanover help children to fulfill their dreams of building a better world, and why does he see his work as a labor of love rather than simply as a job?

Comprehensive financial planning includes cash-flow, investments, and insurance. Are you properly insured? Doug answers a letter from a listener who asks about private insurance policies. How can you determine the most appropriate insurance policy, and make sure your pension plans are properly set up? Don’t forget the legal implications of your financial planning and insurance decisions. Veteran lawyer Ely Rosenzveig explains the legal pitfalls of retirement planning, why women have different legal considerations from men, and what to consider if you are moving to Israel. Follow Ely Rosenzveig on his website at: www.ejrosenlaw.com You can also call him in Beit Shemesh: 02-6457067 or at his office in the United States: 914-816-2900.

What is the best way to invest an inheritance so that its value can grow? Doug answers this question as well as giving tips on how to save money by automating your savings. And today’s guest is legal expert Timothy Sandefur.  Find out what the status of “eminent domain” is and if local governments are abusing the power they have to confiscate land and property. Should you invest in real estate if the government could take it away? Follow Timothy Sandefur’s work at the Goldwater Institute here – http://goldwaterinstitute.org/en/ Read his book, Cornerstone of Liberty: Property Rights in 21st Century America.

Market volatility leads many investors to make a big mistake when planning their finances. Learn how to avoid the most common investing mistakes. How can you make time work to your advantage, both in your investment portfolio and life in general? In today’s interview, Jeff Sutherland, former fighter pilot and author of Scrum: The Art of Doing Twice the Work in Half the Time, shares his unique model for achieving goals quickly and efficiently. Apply this model to personal finance, and get tips on how to develop more self-discipline in your financial habits. Follow Jeff and his work at www.scruminc.com. Download the first chapter of Scrum: The Art of Doing Twice the Work in Half the Time onto your e-reader for free here.