Rob Black is filling in again and begins today’s show by talking about another fall in oil as OPEC decides to not change their production targets. He also discusses other market stories such as:

I call in and talk about market fears like emotional investors, low interest rates with high inflation and how large countries like Japan struggle with debt.

Tony Mendes and Rob discuss home owners insurance, being underinsured and multi policy discounts.

Rob asks Patrick O’Hare if we should be concerned that oil continually hits new lows and why the oil collapse is a problem. He also asks Patrick if we should avoid or find value in the higher interest rates for housing and what effect would 2016 Hillary Clinton election have on the market.

Email your money question to [email protected] , or call the show at 1-800-516-1220 from 2:00-3:00 p.m. (PDT)

Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.NewFocusFinancial.com.

Bill Barhydt joins Kym in studio today as they talk about Abra, Bill’s revolutionary money transfer and payment banking app. Kym learns about Bill’s rather odd journey which begins with wanting to pursue a career with animation and computer graphics. He then tells her how several years of being a research analyst for the CIA and NASA led to a job with Goldman Sachs providing him with financial knowledge he would later need to create Abra. Bill also talks about developing the first payment applications for the internet and making it secure with Netscape. He then explains how texting and increasing cell phone use became his next opportunity for banking and payment applications.

Later on Kym asks Bill why now is the time to create a cashless society, and finds out how Blockchain technology has simplified some major problems that comes with mobile banking. He also explains how Blockchain affects people’s security, how human ATM’s work and why Abra is a more efficient system worldwide.

To have your questions answered by Kym and her guests call 1-800-516-1220 on Thursdays from 2:00-3:00 p.m. (PDT)

Email your money question to [email protected] , or call the show at 1-800-516-1220 from 2:00-3:00 p.m. (PDT)

Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.NewFocusFinancial.com.

We here at New Focus on Wealth would like to apologize for the following inconvenience. Today's show will not be available due to technical difficulties out of our hands. We will be back on the air Thursday with another live edition of New Focus on Innovation with Kym McNicholas.

Thank you for your understanding.

Some homeowners use their home equity like it's an emergency reserve fund—but that's a bad idea. Chad Burton, CFP®, and Rob Black discuss the downsides of using your home equity line of credit to pay for expenses and how much you should put aside in an emergency fund.

Commercial-Free

I review current market news as well as the 14th straight quarterly fall in IBM's revenue, whether or not the decline in commodities is a buying opportunity and struggles for franchises like McDonalds. I question the pressing issue of US and Russian involvement in Syria. I also discuss:

Email your money question to [email protected] , or call the show at 1-800-516-1220 from 2:00-3:00 p.m. (PDT)

Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.NewFocusFinancial.com.

Encore edition

Today I discuss several market stories including S&P’s best week after an overall flat year and the imminent rate hike from Feds. Pfizer merges with Allergan, moving their headquarters to Ireland as a tax-saving strategy. I explain how to give back using appreciated assets and donor-advised funds. James from Piedmont calls in with some comments on the shareholders involved in the Pfizer and Allergan deal. Maximizing social security benefits by phasing into retirement. Reasons to invest in a living trust. I also go over some “Plan B” retirement options and give some advice to Cindy who is considering a 15 year mortgage at age 50.

Email your money question to [email protected] , or call the show at 1-800-516-1220 from 2:00-3:00 p.m. (PDT)

Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.NewFocusFinancial.com.

Today Kym talks with multiple company founders about the products they have come up with and the holiday deals they are offering this year. This includes:

To have your questions answered by Kym and her guests call 1-800-516-1220 on Thursdays from 2:00-3:00 p.m. (PDT)

Email your money question to [email protected] , or call the show at 1-800-516-1220 from 2:00-3:00 p.m. (PDT)

Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.NewFocusFinancial.com.

Today I discuss retiring outside of California as it becomes more of an issue for people to make ends meet when they stop working. Other topics include:

Tate calls in and asks if he should keep his term life insurance policy when he no longer has any dependants to cover.

Email your money question to [email protected] , or call the show at 1-800-516-1220 from 2:00-3:00 p.m. (PDT)

Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.NewFocusFinancial.com.

I review current market news as well as the 14th straight quarterly fall in IBM's revenue, whether or not the decline in commodities is a buying opportunity and struggles for franchises like McDonalds. I question the pressing issue of US and Russian involvement in Syria. I also discuss:

Email your money question to [email protected] , or call the show at 1-800-516-1220 from 2:00-3:00 p.m. (PDT)

Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.NewFocusFinancial.com.

Encore-Presentation!

Today I talk about several market reactions to the Paris attacks such as oil stocks and the overall lackluster 2015 returns for most companies. Other topics discussed include:

Email your money question to [email protected] , or call the show at 1-800-516-1220 from 2:00-3:00 p.m. (PDT)

Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.NewFocusFinancial.com.