In this podcast David and Cindy review feedback from listeners and how they made positive impacts with their personal finance choices to improve their futures.

Next, they discuss how much life insurance that you need to cover your loved ones and guidelines that you can follow to prepare for the future.

Lastly, they discuss a recent survey that says there is an increase percentage where democrats and republicans will not date each other.

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https://www.somethingonmymind.net/

In this podcast David and Cindy discuss the impact that past presidential elections have had on the economy and the overall stock market. They provide personal financial tips that you can use leading into the upcoming election.

In the Coronavirus montage, they tell the story of a well-known UFO hunter who claims that he identified a bible on Mars from a NASA photo. Next, they discuss results from a recent study that humans are reducing as well as adding body parts faster than any time in history. Lastly, they tell the story of a woman who began saving money at age 11 and bought her first home when she turned 19.

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 https://www.ladbible.com/news/news-ufo-expert-finds-old-bible-in-nasa-photo-of-mars-20201002

https://www.ladbible.com/news/news-more-babies-are-now-being-born-without-wisdom-teeth-study-finds-20201009

In this episode David and Cindy discuss lifestyle creep which is when people spend more because they make more money and do not adjust their budgets to manage their debt and save properly for retirement.

In the Coronavirus montage they discuss the snafu with the upcoming election due to the many mail-in election ballots being cast and individual state rules. Also, they cover the story of a surfboard that was lost in the waters of Hawaii and was found in Philippines six months later.

Fast Times at Ridgemont High

 https://www.indiewire.com/2012/08/5-things-you-might-not-know-about-fast-times-at-ridgemont-high-107259/

Lost Surboard

 https://www.cnn.com/travel/article/surfboard-hawaii-found-philippines-scli-intl/index.html

In this episode David and Cindy review a cash out refinance versus a home equity loan versus a home equity line of credit. They also provide an analysis of what may be the best option to use one of these loans and the drawbacks to borrowing the money.

In the Coronavirus montage they discuss the story of a woman who cut off her hand in an effort to receive an insurance payout and the story of a national park in Thailand that sends people’s litter back to them and posts it on social media.

In this episode David and Cindy field the financial question of the week from a listener asking how to evaluate debt-to-income ratio (DTI). They explain how to calculate it, what to watch for in your budget, and how it used for evaluation when buying a home.

Next, they interview Dr. Peter Rork, the co-founder of Dog is MyCoPilot. He created a charity where used his own airplane to fly dogs and cats to adoption shelters to save them from being euthanized. He has saved over 15,000 dogs and cats over the past eight years.

In the Coronavirus montage they cover the story of a man who custom built a bar just for squirrels and the story of a man who nursed a mouse back to health after it somet of his marijuana plants.

https://dogcopilot.org/

https://www.investopedia.com/terms/d/debtequityratio.asp

https://mymodernmet.com/squirrel-bar-duke-harmon-woodworking/

 https://www.timesnownews.com/the-buzz/article/marijuana-mouse-passes-out-after-munching-on-cannabis-leaves/650875