The budget tip of the week covers the average cost of eating out for lunch and provide ways for cutting back, and what you do with the savings.

What things that you can do to finish your budgeting and investing off for the year? This includes reviewing your budget for IRAs, Roth IRAs and 401(k)s etc. In addition, how to manage bonuses, FSAs and HSAs and the review of spending habits to analyze the yearly budget.  For the stories: how a 51-year old cipher was cracked by enthusiasts that was sent by the zodiac killer in 1969. Lastly: the story of Christopher Havens who is in jail for murder where discovered his love for math and how his problem solving acumen for complex equations are being published in academic journals.

This episode discusses how to manage your holiday budget so that you can avoid building up credit card interest. In addition, what is the real art of meaningful gift giving, cost effective ways to give to a charity and the white elephant gift event. In the Coronavirus montage, the first story highlights Christmas trees and why some of them have praying mantis eggs hanging from their branches.  The second topic covers the monolith that was discovered in Utah and who has since stolen it from the desert.  In the last story, Cindy shares unusual stories that people encountered from their past holiday parties.

This episode discusses pet insurance: how it works and what you need to consider before choosing to pay for coverage. In addition, they discuss the need for owners to factor in pet insurance into their budget. In the roundtable David discusses how his son chooses to pay for parking tickets at college which is still cheaper than paying for a semester parking pass. Hopefully no one else catches on to his logic.  In the Coronavirus montage: the story of a fertility doctor that inseminated eight known patients who bore his children Next: the warning that doctors are giving to families not play board games over the holidays.

A question of the week from a listener who asks . . . Is there a standard ratio on how to allocate savings? I do not know how to decide how much to put into my retirement account versus my taxable investments, vs. CDs/High-yield savings, etc. Stories section: three sisters determined through DNA testing that their father was a missing person and had been raised by the family who kidnapped him. Lastly: odd and unusual quips from what people revealed about their family DNA stories.

In this episode David and Cindy discuss how to save money on products that you buy while at the same time helping the environment. The goal is to purchase items that reduce waste (mainly plastic and single use items) and this can be done by replacing your current products at a lower cost to your budget. They also pay tribute to our veterans and highlight the story of a hundred-year old World War II pilot who still flies and set Guinness world record in doing so. Lastly, they pay homage to Jeopardy! host Alex Trebek. https://www.instagram.com/somm.podcast/ https://www.somethingonmymind.net/ https://www.youtube.com/channel/UChec5qcZBcGkIhUU3belNDw https://www.tiktok.com/@somm.podcast?lang=en https://www.facebook.com/somm.podcast https://twitter.com/Somm_podcast https://www.cbsnews.com/news/wwii-fighter-pilot-harry-moyer-still-flies-every-week/ https://www.cnn.com/2020/11/08/entertainment/alex-trebek-jeopardy-host-death-trnd/index.html https://blog.cheapism.com/reducing-plastic-waste/

We launched our podcast 30 weeks ago and we are excited to bring you the second season and we have many exciting developments to enhance the show.

This episode interviews Myles Gage and Brian Curcio from the award winning investment app, Rapunzl. These two gentlemen met in high school and began trading in the stock market and consequently, decided to create an app to trade stocks in simulation with contest payouts. In addition, they engage with high school and college students to teach them final education and put them on the path toward good financial decision making. Both of them have a great story to tell in this inspiring interview.  The offbeat stories: one about a man who had a large thorn imbedded in his arm for fours years which almost killed him and second, the story of a couple that appeared to be swallowed up and spit out by a whale. https://www.rapunzlinvestments.com/

This episode explains how stock dividends are established, how they benefit the shareholders and how to use them to buy back stock and create compound interest. The stories montage: the history of Halloween, how much candy is spent each year, and the top 10 ten scary movies and costume stories that people have shared from past Halloween’s.

This episode reviews the F.I.R.E movement which stands for Financial Independence Retire Early. It incorporates many of the savings techniques needed to retire; however, the goals may not be sustainable once the plan is in place. Offbeat stories montage: what people have shared in how they cut back on costs when choosing extreme frugality. Next: A story of a couple ordered an $18 bottle of wine yet received a $2,000 bottle that was meant for the table that they were sitting next to.