The Financial Foundation: Recent Episodes
Paul Tysinger
Helping anyone who has a few minutes with advice in a world of finance with alot of expression and a little less know how. Ask me questions on IG: @thefinancialfoundation2022 Support this podcast: https://anchor.fm/paul-tysinger/support
As we examine the banks offering the highest paying savings accounts in todays market, we talk about how easy it is to get set up with any of these guys while at the same time talk about why I expect rates to continue to climb and us savers can benefit big time.
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As I recommend that everyone invested in the market should stay in the market, that doesnt mean your current mutual fund or stock thats losing money left and right has to be suffered through the rest of the recession. You could always sell your interest in a high expense investment and move it to a low expense one as ETFs are poised to have a brighter future than your average Mutual fund.
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There are a small number of regular habits exhibited from the typical millionaire. And to my surprise, none of this advice requires any real skill or hidden knowledge. Just some very high discipline strategies that the majority of successful people follow. Also, I dive into a unique perspective on the future of mortgage rates and the market as a whole.
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Lets dive into something I have eluded to and addressed in the past. Today, I focus on three different cities all facing a huge rise of vacant homes and all of them for completely different reasons. Also, I have some good news regarding some of your favorite Cryptocurrencies.
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First we break down the FHA, its origin and purpose, and then we talk about how FHA loan differ from conventional mortgage loans. And again I have to bring up the average mortgage purchase rate because the increases are sending us right back to the late 70s slowly but surely.
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Lets discuss the concept of paying yourself first more in depth. Afterwards, I can give you the updates regarding the housing market mortgage rates, the state of the economy and how the Fed is raising rates again to tamp down inflation
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I cover some interesting facts about small business, inflation and the crypto markets recent activity over the summer.
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Today we are going to entertain ourselves a bit reviewing the catastrophic numbers people pay to live in some of these cities. The cost of living is just too high and Im pretty sure you know which state has most of these cities.
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The podcast turns 1 today and I have to say: this turned out to be a better experience than I expected. Take a few minutes with me as I talk about some of the best things about all the episodes put out over the last year.
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I recently came across some incredible data when it comes to Thrift stores. Only 15% of people shop there and the savings being missed are incredible. There is some speculation in this episode as seemingly hundreds of news outlets are all saying banks may start to lower limits or shut down credit cards in the wake of rising rates and more rate hikes well on their way.
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We will focus on 3 things today. An economist predicting that 2023 will be one "whopper" of a recession, so what we got right now is mild compared to whats coming, One thing I failed to mention when I covered the Inflation Reduction act because I didnt realize how it would affect the average investor and 3 highly valued companies who have shown the best of performances amidst recessions.
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Today I break down the similarities and differences in these two very widely promoted debt elimination approaches. We then turn to a perfect example that goes over which one saves you more money, more time and more heartache as we look to see how each strategy can benefit you. Then a brief touch on todays housing market from data from the National Association of Realtors.
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Today is all about the concept and implementation of the consolidation loan. No matter your situation, these can be used to your advantage when it comes to paying less money every month against any debt you have and in the end, the money saved in reduced interest will all be worth it.
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Today I pull back the curtain and just go over some simple basics of what a REIT is and what it does. If you are interested in investing in them, I encourage my listeners to find out all about the world of REITs.
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Today I expand more on a past episode I did about affordable cities to live in. I have added to the list a few more and these ones are within minutes from the water. I do first however address the rising credit card problem happening in 2022 first.
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I came across an article that I really liked and today I wanted to read it with you guys and insert my comments. It really was great as it was a beginners guide of what to do when you want to start investing in company stock. From the research to the valuation, this article really is complete with what every person needs to do when putting their hard earned money into something they want to, someday, be worth alot of money.
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Today I explain the S&P 500, its historical success as a good investment and why its still a good investment if you are here for the long haul. I end it with a frightening breakdown of inflation at 8.5%... And why, for most people, its much closer to being in the double digits.
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Today I start by defining passive income and the simple way to establish passive income. It either requires a good amount of money to get started or a greater amount of work up front. I also address popular passive income topics I consider to not be passive income as they carry a burden of constant management, labor and risk. And I finish the day up trying to lay down the facts of the Inflation Reduction Act and finding out if it really does lower inflation or if its just the name of a bill that does something else.
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Breaking down The Great Resignation and what those decisions have resulted into today. From Burnout to overstaffing, it seems during the chaos, many companies and the employees they hired... too many things happened too fast and the correction is currently under way.
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Today we go over a few apps that help display what subscriptions are really costing you every month. How much of our money is just leaving our accounts every month on autopay?
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Today I talk about 3 companies that are doing well in the face of todays economic climate and if you have extra income you wanted to invest, give these 3 a very hard look and decide for yourself.
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Today I speak about all the GDP for Q2 shrinking, Wikipedia (among other trusted sources) start changing the definition of recession and I address the behavior of the bond market that is luring more and more investors away from the stock market and into debt securities
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Today I hone in on the news put out by the Federal Reserve today. The benchmark rate has been increased yet again by 75 basis points... something that hadn't happened since 1994 and in 2022 has already happened twice.
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Today I will debunk 2 more financial myths out there.
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Today we look at more layoff numbers, the biggest by far and a few predictions about how bad the recession might be.
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After the terrible June inflation report numbers, I believe the worst is behind us as recession running full speed ahead will start to show us a declining economy and a dollar that may start to go further in the coming months.
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Today we discuss how interest rate increases are causing home listings to reduce their prices while landlords seem to increase the rent every single month.
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Today we discuss the CPI report released this morning and all the depressing facts that came with it.
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Today we cover a strange phenomenon where we find ourselves in an environment where used cars are selling for more than ever before and at the same time, we have an overflow of repos available. We also discuss Q2 results coming out this week and other updates since last week.
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Today I dive into AirBnB from the perspective of both the host and the guest where I address the risks as well as the work involved. Afterwards, I will talk to a special guest who is living proof that budgeting and financial literacy leads to a thriving and fulfilling life no matter where you are.
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Today we explain in depth why this time tested investing strategy is being recommended in the face of a recession. Happy Holiday Weekend
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Today we talk about real estate again as more and more homes across the country start to see price decreases. We talk more in depth on where, why and what that means. Gas has gotten 21 cents cheaper at the pump and hopefully that isnt a sign of something bad coming and lastly, AirBnB announces a permanent change to its platform that hopefully brings prices down.
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I will outline an effective and hands on plan to directly remove all collection accounts found on your report causing the most damage to your credit. Afterwards, we turn our focus to housing again, where rates have risen, prices are falling and the future still doesnt look promising.
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Today we talk recession again. More updates, information and advice keeps popping up in our volatile economy as recession becomes more of a reality and less of a prediction. Just about everything you can invest in is seeing drops and we discuss the most controversial take I've ever seen on how to fix soaring inflation
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Today we break down and compare the two most common forms of life insurance.
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Today I begin by updating everyone about whats happening and whats to come for our economic outlook for 2022 and talk about new scams that have popped in the last few years and how you can keep yourself safe.
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Today we discuss many different perspectives and how we can complement them best in pursuit of our financial goals
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Today we discuss changes to high yield savings accounts winners, the best ones today are not offered by the ones at the top a few years ago. Also, inflation stats are out for May 2022, brace yourselves. We also go over emergency funds, crypto and 2022 mindsets at the halfway point to this year.
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Today we cover a short list of jobs expecting a reduction in the work force and I spend a few minutes reiterating the most crucial points made here at the Financial Foundation
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Lets go over updates to todays financial climate including housing, inflation and recession
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We hone in on the world of tax write offs and credits. Are they needed for your situation? Or does standard deduction fit your needs?
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Todays topic is bit different in terms of what we discuss but much more important than any single topic talked about so far.
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If you are a rewards hunter like me, You are always on the prowl for cards that provide incentives for everyday spending. Lets break down my favorite 4 and mention a social media company that may not survive the next year
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Happy Memorial Day! I keep it short n sweet with one helpful strategy and one helpful resource.
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Today I will address updates to the financial world around us and then give a quick intro to an investment you may not have heard about.
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Today I discuss my all time favorite way to save money, relieve anxiety, stimulate my creativity and reap the tasty rewards.
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Today we put to rest a few incorrect myths that people believe, join me as I tell you the real story with all the facts you need.
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Today we discuss auto loans, vehicle blue book values and what the rest of the year looks like
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today we visit many benefits of keeping expenses small outside of the obvious and we cant avoid touching on more news in the financial world.
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Today we talk about a very unfortunate part of being an adult and some tips to keep the damage/clean up to a minimum
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Today we cover some updates and go over what an HSA is and who benefits the most from them
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Today I go over 2 more direct questions I have received to my instagram to give my perspective and as always, I back it up with the facts.
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I go over income and expenses while introducing hands off ways to be financially successful
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Today we look at 5 of my favorite cities to live in around the country for a few reasons, mainly lower costs and awesome quality of life
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Today I address updates on two past topics I did episodes on and go over some basics and advice concerning precious metals.
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Today we talk about a few indicators of 2022 so far and how the rest of the year looks. Its not all bad news even though there is plenty of it.
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We go more in depth what I mentioned a few months ago. Diversifying your portfolio!
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Today we go in depth about an investment rarely talked about and why its a great and safe way to invest your money in todays climate
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Today we dive right into our topic of the day: Intuit TurboTax. I highlight some not so well known events recently that may affect if you are curious to use them in the future
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Today we talk retirement accounts, why they are important and how you should decide to go about it
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Today we talk about mortgage rates and the surge above 5% for purchasing a home. Its important not to ignore this indicator for the future
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Today we talk about a few options for higher than average paying jobs that dont require a 4 year degree or tons of student debt to attain.
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We will dive into my thoughts on where people are shaping their ideals on money and why the average situation seems to degrade
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Today I wanted to take a minute to address what two of you messaged me and thought these questions were pretty tough and also intuitive
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I discuss with a friend of mine a range of topics including Cryptocurrency mining and gas prices.
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Breaking down what has been happening since March 2020 in real estate and whats to come in 2022
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Advice for anyone with credit card debt!! Let's get rid of it
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Addressing some tweaks and advice to strengthen your financial position
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We go over some simple ways to save money and add value easily
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Simply comparing these two types of financial institutions
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Intro into the complicated world of the stock market
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Hoping to provide some info regarding cryptocurrency to anyone who has questions on what it is
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Jerome powell spoke recently regarding fiscal policy and answered a series of questions.
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Silicon Valley trying a new way to approve people for good credit cards and I'm here for it
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A basic introduction in acquiring cash from credit offers designed to attract customers and taking full advantage of the rewards with none of the interest payment downfalls
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Simple breakdown of hidden items in a loan and how to better understand up front
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Not so uncommon budgeting tips with some less talked about advice out there to increase net worth
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A few tips for any listener who wants to learn a bit about their very own credit report, how to get it quick n easy and even understand what each section means
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Covering details on how to proceed if the original strategy is something that may not be possible for you yet due to a low credit score or imperfect credit score. Don't worry, there are ways to get there!
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Today I am taking a moment to fill in what I saw as potential gaps in things discussed yesterday regarding this credit building strategy
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A strategy to help build credit to any listener who wants to do it for free, it involves education on credit cards mainly in the way to not only avoid paying out of pocket but to let the institution do the work for you
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This is will be prelude to what I want to begin talking about going forward. Helping people #1 priority that will never change
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