Something On My Mind

Mar 05 2025 191 ep. 21 mins 40
Something On My Mind Podcast artwork

This is a finance podcast, but cool. We share real-life experiences where David and the producers crack jokes while also diving into financial literacy and success. This podcast finds the perfect balance between having a laugh and getting down to business.

  Business  Education  Comedy
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PFT #99 - Personal Finance Tip of the Week: The Annual Escrow Analysis

Mar 05 2025 5 mins  
For most owners, when they purchase their homes, the monthly mortgage payment is a fixed amount for 30-years and sometimes 15, people still become accustomed to a standard payment each month.On top of the mortgage payment is an escrow account established by the lender to manage payments typically for property taxes, homeowners insurance, and, in some cases, private mortgage insuran

PFT #98 - Personal Finance Tip of the Week: Can You Find $100 in your Budget?

Feb 03 2025 3 mins  
In the prior personal finance tip #97 which was how to save on the little things, we mentioned how to be awarded with Amazon digital credits for delaying delivery and we mentioned buying a monthly car wash plan. We also covered the value of buying long term products and services rather than single use items which occur multiple times. Lastly, we covered the value of buying products

PFT #97 - Personal Finance Tip of the Week - The Little Things That Save You Money

Jan 15 2025 2 mins  
Website https://www.somethingonmymind.net/Merchandisehttps://www.somethingonmymind.net/shopSocial Media https://www.instagram.com/somm.podcast/https://www.youtube.com/channel/UChec5qcZBcGkIhUU3belNDwhttps://www.tiktok.com/@somm.podcast?lang=enhttps://www.facebook.com/somm.podcasthttps://twitter.com/Somm_podcastWhen it comes to budgeting, people think about the monthly expenses for

PFT #96 - Personal Finance Tip of the Week: Navigating the Rising Cost of Auto Insurance

Jan 03 2025 2 mins  
According to Bloomberg, auto insurance rates in the US have increased by 37% since January 2020, and as of December 2024, the trend shows no signs of slowing down.This is understandably concerning.When you factor in car payments, fuel, and maintenance along with insurance, auto expenses can easily become one of the largest budget categories.Several factors contribute to this rise,

PFT #95 - Personal Finance Tip of the Week: The Mortgage Refinance Double Trap

Apr 17 2024 3 mins  
In times of high interest rate environments, most people will not refinance due to the cost. With that being said, circumstances arise to warrant this, such as divorce, marriage or a job relocation.For the most part, people wait for the federal reserve to cut rates so that borrowing money is more palatable. For example, at the time of this recording, the average interest rate for a

PFT #94 - Personal Finance Tip of the Week: The Superbowl, Inflation and Compound Interest

Feb 11 2024 3 mins  
Today is 2/11/24 which is the Superbowl with the Kansas City Chiefs vs. the San Francisco 49’ers and this marks the 57th time that this game will have been played. This is a large amount of years, so we decided to run some math based on the amount at which things are consumed and what they cost. Let’s start with advertising and the cost for a one minute spot during the game:In

PFT #93 - Personal Finance Tip of the Week: Credit Cards After The Holidays

Feb 08 2024 3 mins  
After the December holidays we often hear people talk in social groups and in the media that the credit card bills are coming due as a result of shopping during the December holidays. Obviously, this means only one thing: that if you have payments coming, debt was compiled that can’t be paid off in one billing cycle. Moreover, the simple fact is that when this occurs, it means th

PFT #92 - Personal Finance Tip of the Week: Try Escheating to Find Unclaimed Property

Jan 23 2024 2 mins  
Okay, you’ve got to be escheating me. What on earth does that mean? The definition derives from medieval times, in feudal law. When a landowner (tenant of a fief) died without an heir or committed a felony, a process was needed for the ownership of the land. In modern times it is the right of a government to take ownership of estate assets or unclaimed property in the event there

PFT #91 - Personal Finance Tip of the Week: Gift Card Management

Jan 15 2024 2 mins  
The United States culture tends to recognize many types of celebrations and this has created a common theme of replacing presents with gift cards. They are easy to purchase, simple to use and the beauty is that people can shop for what they want without having to wrap and return items.Throughout the years gift cards can accumulate in wallets or desk drawers and many people are wait

PFT #90 - Personal Finance Tip of the Week: Ordering Supplies for Landscaping and General Contractor Jobs

Jan 06 2024 2 mins  
According to Zippia.com, in 2021 the average amount homeowners spent on home improvement was $10,341 which was up 25% from 2021. This makes sense as people spent their cabin fever time improving their homes and now that Covid is more controlled. People are spending more due to M1 money supply with unemployment and stimulus checks. Now that labor rates are rising due to lack of reso