Something On My Mind

This week’s topic centers on whether it is better to buy a natural Christmas tree versus an artificial one In recent years, there has been a debate that purchasing an artificial tree is a better long-term solution to that of a natural tree. Let’s start with artificial trees: there are many reports that they last 10-20 years; however, if taken care of properly, they can last beyond that.  The negat...

This week we cover the growing trend of why Millennials and Gen Y's are waiting to have kids or opting out having them at all. Some common reasons include the social system, the environment and the affordability.    In the roundtable we discuss alternative social gatherings for Thanksgiving and the holiday season. Lastly, we pay homage to losing Cindy and Justin from the program; however, we intro...

This week’s topic celebrates our first 52 personal finance tips. Just one year ago, we launched our two-minute tips of the week. and we couldn’t be happier with the feedback that we’ve received because people are saving money and improving their lives. Some of the most popular tips include #5 about extending the life of your candles to keep the mood lighting in full glow. Another is #11 that detai...

  This week's episode cover items that you can do to tidy up your financial fitness.. It can be adding to your 401(k) and Roth IRA, using up your FSA or paying down debt with a potential raise or bonus. There are several items that covered in this episode that can prepare you for 2022. In the roundtable we discuss how phones command our attention specifically with social media.   Website   https:/...

This week's episode is about the silent killer . . . Radon. Radon is a silent killer because it’s an odorless gas that we breathe in normally; and it is the second leading cause of lung cancer behind smoking. In addition, 21,000 deaths occur yearly. So what is radon you may ask? Let’s do a quick assessment: It is the main source of our exposure to all radiation. The rocks and soil beneath our home...

This week’s topic is about the Ball Corporation’s new aluminum cups.  We’ve all seen the classic Ball jars with that thick glass and metal top for canning vegetables - in my case, I use them as drinking glasses.  As the world evolves so has Ball and they've recently announced the aluminum drinking cup that can replace the plastic solo type cups.  They come with ample sizes to drink from, they are...

This week’s topic is about fire safety in your home. An often overlooked item in one’s domicile is a fire extinguisher and the importance that it provides especially in the kitchen. According to NFPA.org US fire departments respond to an estimated average of 172,900 home structure fires by cooking activities.  These fires caused an average of 550 civilian deaths, 4,800 injuries, and more than $1 b...

This week’s topic is about the residual value when leasing and should and buy the car when the contract is over.  When it comes to driving a car, the common question is, are you better off buying or leasing? On the whole, having two separate leases will cost more than purchasing a car outright. The other question is . . .  Should you buy a car when the contract is over or lease again? If you want...

When looking at collision for auto insurance many people choose a lower deductible which is typical $500. The common thought is that I’ll pay out the least amount possible if I am at fault for an accident; however; as the rule goes: A Higher deductible = Lower car insurance rate and higher out-of-pocket costs Lower deductible = Higher car insurance rate and lower out-of-pocket costs So the questio...

This week’s topic is about knowing store policies when returning expensive or custom made products with retailers.  For example, you can purchase exercise equipment or mattresses and they make it clear that you can return an item within 90-120 days; no questions asked. With that being said, not all companies work the same.  Just recently I purchased a piece of furniture that cost $2,000 which took...

This week’s topic is about managing your rainy day fund especially during the supply chain problem. The rainy day fund is money that is set aside in the budget to account for small, unforeseen expenses.  The amount that you need to put aside is arbitrary. It is based on what you own with items such as a home or a car and even a hobby.  The best way to determine this, is to look at the age or condi...

This week's episode is about when it makes sense to buy a warranty especially when need it to run a business and event planning.  Website   https://www.somethingonmymind.net/ https://www.instagram.com/somm.podcast/ Social Media  https://www.youtube.com/channel/UChec5qcZBcGkIhUU3belNDw https://www.tiktok.com/@somm.podcast?lang=en https://www.facebook.com/somm.podcast https://twitter.com/Somm_podcas...

This week's episode is about the how you can take advantage of the cell phone promotions as 5G is ready. Listen to find out if these deals are here to stay when you upgrade.  Website   https://www.somethingonmymind.net/ https://www.instagram.com/somm.podcast/ Social Media  https://www.youtube.com/channel/UChec5qcZBcGkIhUU3belNDw https://www.tiktok.com/@somm.podcast?lang=en https://www.facebook.com...

This week's episode is about purchasing a breathalyzer. This is reasonable purchase that may save you money if you get caught drunk driving and more importantly, saves lives.  Website   https://www.somethingonmymind.net/ https://www.instagram.com/somm.podcast/ Social Media  https://www.youtube.com/channel/UChec5qcZBcGkIhUU3belNDw https://www.tiktok.com/@somm.podcast?lang=en https://www.facebook.co...

This week's episode is about getting offers with points or store credits when paying with cash and opting out of 0% interest rate credit card offers.  Social Media    https://www.somethingonmymind.net/ 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...

This week's episode is about skipping your cell phone upgrade after you have met your contractual agreement. Saving this money can allow you to pay off debt or invest that money Social Media    https://www.somethingonmymind.net/ https://www.instagram.com/somm.podcast/ https://www.somethingonmymind.net/ https://www.youtube.com/channel/UChec5qcZBcGkIhUU3belNDw https://www.tiktok.com/ @somm.podcast?l...

This week’s topic is about saving water and money with low-flow household fixtures. When we say “low-flow” this means that less water is used when washing your hands, flushing the toilet and showering.  The upfront cost to use these products outweighs the savings over the long-term Social Media    https://www.somethingonmymind.net/ https://www.instagram.com/somm.podcast/ https://www.somethingonmym...

DTI is the personal finance measure that compares the amount of debt correlated to your overall income. So when lenders are looking at you as a qualified buyer, DTI is used as a way to measure your ability to manage payments that you make each month. Learn the calculation and what to watch out for.  Social Media    https://www.somethingonmymind.net/ https://www.instagram.com/somm.podcast/ https://...

This week's personal finance tip covers three main points to consider before choosing pet insurance.   Social Media    https://www.somethingonmymind.net/ 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_podca...

This week's episode covers the growing trend where employers are offering student loan reimbursements as part of their benefit package.  Social Media    https://www.somethingonmymind.net/ 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.podc...

In this week's episode we interview Robin Taub, the author of the Wisest Investment: Teaching Your Kids to Be Responsible, Independent and Money-Smart for Life. In the roundtable we discuss how our son Chase found a legal and easy solution to reduce his parking tickets rather than paying for a semester pass at college.  For the story of the week, we talk about "shrinkflation" which is selling a le...

This week’s topic is about the increase of prices of clothing especially for back to school clothes.  Due to the disruptions in the supply chain with high demand and low volume equals higher prices. Social Media:  https://www.tiktok.com/ @somm.podcast?lang=en https://www.facebook.com/somm.podcast https://www.instagram.com/somm.podcast/ https://twitter.com/Somm_podcast https://somethingonmymind.net...

This week’s personal finance topic is about three travel tips that can save you money during a trip as well as understanding what a trip can cost before you leave.

This week's topic talks about the single use plastic sandwich and storage bags that can be replaced with silicone which is ecofriendly and durable. 

This week's personal finance tips reveals that washing in cold outweighs the benefits of washing in hot. There are multiple advantages that also benefit the environment.