Surviving the Credit Crisis Archives - WebTalkRadio.net

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Surviving the Credit Crisis Archives - WebTalkRadio.net episodes

June 08, 2015Surviving the Credit Crisis – Getting Your MBA is Easy With NEW Online Programs!
In today’s business world, it seems like employers are looking for more leadership and management skills in their young executives than ever before. Some companies are now requiring an MBA at entry level and/or for advancement. Getting your MBA (Master of Business Administration) is the most prestigious degree in the business world. With new online programs designed for the working professional, getting to that next level is easier than you may think!
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Join me today as my guest, Abbey O’Connor, Asst. Dean & MBA Director of Longwood University, College of Business & Economics and I discuss Longwood’s virtual program.
Some of the topics that we will be covering include:
Why should someone get their MBA?
What are the benefits of completing your MBA online?
What does Longwood’s online MBA look like?
What is the benefit of earning a MBA in real estate?
What kind of courses will I complete with an real estate MBA?
And much, much more…
If you are interested in taking your career to the next level, Check out the Longwood University online MBA program HERE!

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32 min
May 18, 2015Surviving the Credit Crisis – How to Find $4000 in 30 Minutes or Less!
Are you a spender, saver, or a good steward of your money? Are you financially free? The secret to financial freedom is not zero debt, that’s being completely unrealistic! Debt is a necessity of life in our society today. The real secret is Cash Flow!
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Join me as my guest, Chris Miles, the Cash Flow Expert, and I discuss all of the things that you need to understand about the relationship between debt and cash flow.
Learn the step by step process to find more cash in your life. Some of the topics we will be discussing include:
Forget about a budget! Design a spending plan…
Don’t overpay on taxes…
Increase your business expenses and net more actual cash…
Reduce your insurance premiums…
The correct way to pay off debt…
How to find ways to save for a down payment on a home…
And much, much more…
It’s not about living from paycheck to paycheck or saving all the time and never spending anything. It’s all about your money mindset and understanding that we were designed to spend! Spending money brings growth to your life and to your community, the important thing is to spend money correctly and soon you will be financially free!

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37 min
May 04, 2015Surviving The Credit Crisis – Shopping For Homeowner’s Insurance – The Advantages of Using an Insurance Broker
I am continually preaching to my clients that using a Mortgage Broker when shopping for a mortgage will save you money, because a Mortgage Broker is not limited to one supply of money like that of a bank. Dealing with a broker gives you more options and options will always save you money! The same is true when shopping for homeowner’s insurance. An insurance broker has more options and can shop your individual needs with different carriers and find you the best deal possible!
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Join me today as my guest, Robert Windsor, an agent with AIC Insurance and I discuss the questions that you need to ask when shopping for insurance to make sure that you are getting the correct coverage, while saving money at the same time.
Some of the items we will be discussing include:
What advantage is there to using an independent agent versus a captive agent?
Is the location of a home a factor in the cost of homeowner’s insurance?
What other factors can affect an insurance premium beside the value of the home being insured?
What is the difference between Replacement Cost versus Actual Cash Value?
What are interior limits (i.e. guns, jewelry, silver, collectables?)
Are recreational toys in a garage covered by home insurance? (i.e. motorcycle, snowmobile, boat)
And much, much more…
Shopping gives you knowledge….AND knowledge is POWER!

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27 min
April 20, 2015Surviving the Credit Crisis – How to Make Money Without Money!
We’ve always been taught that it takes money to make money. Why is that? It’s amazing the lies we tell ourselves when it comes to doing something different or stepping outside our comfort zone.
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Join me as my guest, Chris Miles, the Cash Flow Expert, and I discuss all the things that are keeping you from making the money that you want and living the life of your dreams.
Some of the topics that we will be discussing include:
What keeps most people from making more money in general?
What value do you have to offer?
How to eliminate the limited belief that making money is hard.
What is the S.P.A.R.F. concept?
And much, much more…
People also believe that they need money to buy home! Not always, for more information on buying a home and getting your Right Fit Mortgage®, check out my website here!
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33 min
April 06, 2015 Surviving the Credit Crisis – 1 in 3 Americans are on the Verge of Financial Ruin!
The rich keep getting richer, but most Americans aren’t so lucky!
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According to a survey released recently by Bankrate.com, 37% of Americans have credit card debt that equals or exceeds their emergency savings. Not only do they not have enough savings, they’ve used up some portion of their available credit, so they are running out of options when— and I say when— the next unforeseen emergency expense comes calling.
For some, it will be health care expenses and others…car trouble, both items that most Americans must-pay to keep working and keep income coming in.
Join me today as my guest, Jeff Mose, a partner in Frederick Financial Group, and I discuss what needs to happen in your financial strategy to make sure that you have those emergency funds today and in the future when it’s time to retire.
DEBT does not need to be a 4-letter word! Don’t be embarrassed! We’ve all been in debt and we can all get out of debt…it just takes a plan. You may need to start first by saving enough to handle short-term emergencies and then concentrating on one high-interest rate credit card at a time. The important thing is to take action!
For more information on budgeting or what you need to think about when buying a home, check out my website atwww.KarenSimpsonHankins.com.
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33 min
March 16, 2015Surviving the Credit Crisis – The Life and Death of a Twenty Dollar Bill
Have you ever looked at a $20 bill and thought about where it’s been and how many people have touched it? If you think about it, it’s can be a little unsettling and in reality may make you wonder “What’s in your wallet?” in more ways than one!
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The average $20 bill is in circulation for 7.7 years, according to a report issued by the Federal Reserve. It has a longer life span than the $10 or $5 bill based primarily on use, while a $100 will probably remain in circulation for up to 15 years. But what does it take to create the currency that we use every day without thought!
Join me today as my guest, David McAdams, President of McAdams Tax Advisory Group, and I discuss what goes into creating a $20 bill and what determines when a bill’s lifespan ends.
We will be discussing:
What makes money special and why do they make it different than regular paper?
What is the printing process like?
What happens once the printing is complete?
Where does it go from there? How does it end up in the hands of the consumer?
What security features does the bill have? How do you know if it’s real or counterfeit?
Did you know that it takes about 4,000 double folds – first forward and then backward – before a $20 bill will start to tear?
Going back to ancient times, we have always been fascinated with money and it’s power. Is it here to stay or will technology cause it to fade into our past?

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26 min
March 02, 2015Surviving The Credit Crisis – How Much is Too Much Money to Put in the Stock Market?
Have you ever wanted to invest in the stock market, but it seems just too intimidating? The corrections that we’ve witnessed in the stock market of over 50% twice in the last decade can leave even the most savvy investor wondering what’s next. Quantitative easing, the European markets, and other global factors are still causing vigorous and sometimes unexpected fluctuations in the market! So what’s next?
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Join me today as my Guest, Mike Burleigh, President of Peak Capital Management as we discuss everything you need to know if you’re a beginner in the stock market.
A few of the topics we’ll be discussing include:
How do you determine the amount of money to put in the stock market?
There are so many choices out there, how can you determine which investments are right for You?
Is there still momentum in the stock market for people to take advantage of, if they have money to invest?
What are bond funds?
Are bonds or fixed income investments a better option in a volatile market?
And much, much more…

It all depends on where you are at in your investment life cycle. Are you in your 20’s looking for growth? Or close to retirement and looking to preserve what you have? These are questions that you need to ask when evaluating which investments are right for You!
If you are looking for a Right Fit Mortgage® there are also several questions that you need to be asking? Check out your options here!

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28 min
February 16, 2015Surviving the Credit Crisis – Questions You Need to Ask When Hiring a Realtor
You are a buyer or a seller and you find yourself in need of a Realtor. How do you determine who you should use? Are they a full-time agent or just moonlighting? Do you call on yard signs?
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Join me today as my guests, Dr. Bennie Waller and Dr. Scott Wentland, Professors at Longwood University in Finance and Economics, as we discuss what questions you should be asking when hiring a realtor.
Some of the topics we will be discussing include:
Does your broker represent the seller? Is this a dual agency?
How many properties does the broker currently have listed?
How long have these other properties been on the market?
Does the agent also have their property listed on the market?
How far away is my agent’s office from my home?
And much, much more…
It is especially important for families to be familiar with a potential neighborhood and any possible risks. Is the neighborhood improving or deteriorating? Are there other children in the neighborhood? Are their registered sex offenders or anything else like commercial impact, new freeways, airports, or anything else that will affect the livability of the home?
Interview your real estate agent, find one that you feel comfortable with and who understands your needs. If you’re a buyer…get pre-approved or credit approved for a mortgage before you go shopping and you will have a much more enjoyable experience.
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31 min
February 02, 2015Surviving the Credit Crisis – How to Keep Divorce From Trashing Your Credit
Divorce is a difficult, stressful, and emotionally draining time in anyone’s life! Not only are you dealing with the end of a once loving and trusting relationship, you also have to realize how that emotional element can affect your financial stability, credit report, and scores. Just because you may be divorcing your spouse that doesn’t mean you’re divorcing your creditors!
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Join me today as my guest, Bill Skillender, Owner of William Skillender Wealth Management as we discuss the steps that you need to take to protect yourself and your financial health during the divorce process.
Some of the topics we will be discussing include:
What is the first thing a person should do regarding their finances when going through a divorce?
What can be done if a credit card account or any debt is in both names?
What steps can be taken to keep my credit from being trashed?
Should I sell off assets to pay off debt?
Can I rely on a court order that requires the spouse to pay a debt?
What is the biggest expense that can be avoided?
And much, much more…
In addition to affecting your personal debt, a home and mortgage can be another matter. In most cases, the parties are asked to sign some sort of hold-harmless agreement, which supposedly protects the ex-spouses from each other’s irresponsible actions, but do they really work?
Once you’ve survived a divorce, it’s time to rebuild your life and buy a new home of your own. For more tips on finding your Right Fit Mortgage®, check out my website “KarenSimpsonHankins.com”.

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28 min
January 19, 2015Surviving the Credit Crisis – A 2015 Get Out of Debt Plan
With the New Year comes a time of reflection! One of the things that you may be looking at to make a change in 2015 is a way to remove that constant worry of debt. Debt can ruin relationships, your personal health, your dreams, your retirement plans, and your overall financial wealth!
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Join me today as my guest, Greg Melia, President of Melia Advisory Group, and I discuss the step by step actions needed to get out of debt this year!
Some of the topics we will be discussing include:
Are you a spender or a saver? If you are an out-of-control spender…there will never be enough!
Marriage, Divorce, and the #1 cause of divorce – Debt!
Are you willing to “Get Real” and do what it takes to get out of debt!
Why Bankruptcy is not the answer!
Debt can also be devastating to your home buying goals! For more information on what to do to get pre-approved or any of my home buying education products to make your home buying dreams come true, check out my website at www.karensimpsonhankins.com.
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30 min