In this episode, Rich and Kelly discuss ways to budget during the holiday season. What are some of the ways you can spend wisely and start the new year free of debt? Is it better to charge or pay cash for that holiday shopping? Get answers to these questions and others when you listen in to this week's episode of The Positive Interest Radio Show.

Do you have questions regarding your financial plan and how to keep on track with your money goals? Click the link below to visit Cona Financial Group where you can contact us directly and speak with a trusted financial advisor.

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In this episode, Rich and Kelly take to the message boards, inboxes, social media and the mailbox to answer the most common investment questions from their listeners. Be sure to listen in and maybe find the answer to a question you have wondered about. 

Do you have an investment question you would like answered? Be sure to visit our page or call in to our office to submit your question in time for the next Q&A with Rich and Kelly. 

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In this episode, Kelly turns the tables on Rich! It is time for our listeners to hear Rich's take on the industry and why he decided to pursue a career in the financial investment world. Listen in and get to know what Rich is all about.

DALBAR's 22nd Annual "Quantitative Analysis of Investor Behavior" was just released and Rich got his hands on a copy. As expected, the results are very similar to previous years. Yes, once again, investors are underperforming the indexes and the mutual funds that they are investing in, and yes, once again the reasons are the same.

Tune in as Rich and Kelly discuss the results of this study and how today's investor can steer clear of the pitfalls that so many investors make. Wondering what the root cause of this underperformance is? This graphic should give you a hint:

• Understand The Cycle Of Market Emotions To Make Better Investing Decisions (Forbes)
• 9 Biggest Mistakes You Can Make Planning Your Retirement (Free e-book)

Establishing good credit is an important part of becoming an adult. Listen in as Kelly and Rich talk about some of the steps that a young adult can take to build a solid credit profile.

They will also discuss why taking a "I don't care about my credit score" approach can be a costly mistake!

Later, Rich will share some important information about the future of stock markets returns. Will the markets continue to give us double digit returns like they have in recent years, or should we be lowering our expectations. Listen in for some expert guidance.

• Blackrock predicts lower stock market returns

Like many Americans, you probably have kids and/or grandkids that you would like to help with college planning. Navigating the world of scholarships, needs-based financial aid, the FAFSA form, school selection, etc. can be a daunting process.

So daunting, in fact, that you might want to consider hiring a college planner to help you. But beware. Some college planners are nothing more than insurance salespeople in disguise seeking to use the complexity of the college planning process to sell you insurance and annuities that might not be in your best interests.

Rich & Kelly shed some light on this topic and pass along a few pointers for you to consider if you do decide to hire some help.

Rich is in a mood! Yea, there might be a few bad jokes in this episode of Positive Interest. Clean jokes...but, yea, they are pretty bad. Hey, what can we say...we're in the financial planning business, not the stand-up comedy business!

If you can past those jokes, you'll find us talking about budgeting and cash flow planning, and how a good spending and savings plan can make your long-term goals become a reality.

We'll also talk about the subject of "stress testing" your portfolio. What would happen to your investment portfolio if we had another Great Recession like we did in 2007 - 2009? What would you do? How would you respond?

The answers to these questions can make a big difference to your financial future.

In this episode of the show...

More bad behavior in the financial "services" industry! Rich and Kelly talk about a recent case where a major broker-dealer was sanctioned by the Financial Industry Regulatory Authority (FINRA) to the tune of $25 million for deceptive sales practices. On the financial planning front, they will focus their discussion on the topic of life insurance and how to use it correctly in your financial plans. They cover the basics and spell out the differences between term, whole life, and the various forms of universal life. They'll also discuss a few case studies that demonstrate their "best practices" approach to the subject.

In today's episode, Rich and Kelly talk about a recent 60