Our Terms of Use and Privacy Policy have changed. We think you'll like them better this way.

  • 00:39

    Kevin James Brown speaks financial future with Gold savings with Karatbars.

    in Finance

    Kevin James Brown will speak about the future of savings, when it comes to small increments of Gold Purchases on a regular basis. Please have a pen and pad ready!

    Karatbars is a company which offers an attractive and affordable option for the consumer to purchase 999.9 pure gold bullion as well as our specialty lines of gold merchandising, collector & gift cards.

    We are proud of the independence Karatbars offers the consumer to own, manage & control their personal Karatbars purchases.

    Our goal is to provide the very best in customer service for our clients and provide a opportunity for everyone worldwide to own gold at an affordable price point.

    For those of you who know the 'Real Opportunity' of Karatbars, please click on this link to start to change your lives TODAY...https://www.karatbars.com/landing/?s=twomucht


  • 01:16


    in Podcasting

    When it comes to money, every little bit adds up. That's what everyone always says, but everyone also has their limits.

    For instance, if you see a penny on the ground, these days, you wouldn't necessarily pick it up, even though, hey, it's free money.

    You've probably also heard a dozen times the tired but true advice that if you gave up your daily drink from the local coffeehouse, you could save well over a thousand dollars a year.

    There are all sorts of money-stretching strategies we can do — but probably don't. If you're looking for little ways to improve the health of your bank account, here are five ways you could get some more bang for your buck, if only you had more time or energy.

    Unplug electronics.

    While lights are easy enough to remember to switch off, it can be easy to forget (or to feel it's not worth the bother) that you could also be unplugging your laptop, your PC, your DVD player, your microwave oven, cellphone charger and an array of other electronics when you aren't using them. Because your electronics, when plugged in and turned off, are still using electricity.

  • 00:57

    The Biggest Mistake Retirees Make with Their Retirement Savings

    in Finance

    In this inaugural podcast, author, asset protection and retirement income advisor Rick Liuag discusses foundational truths about money that will help retirees and pre-retirees avoid making mistakes that could mean less quality of life in retirement.

    Rick addresses the importance of distinguishing between an investment strategy and a saving strategy.  It's critical to know the difference if you want to design a sound retirement income plan.

    Rick also discusses some of the biggest threats seniors face when it comes to retiring, including the impact of Obamacare on Medicare.  Seniors who are not prepared for this very real threat may find their retirement savings being wiped out due to an unexpected catstrophic medical expense.

    Don't miss this episode!

    Rick Liuag, author of "What You Can Do If  Can't Afford the New Obamacare Health Plans" and "You're Gonna Need A Bigger Boat: How Obamacare Threatens Your Retirement Savings," is president of Rick Liuag Insurance Agency.  He advises seniors and business owners nationwide on how to protect, preserve and prolong their retirement savings. 



  • 00:57

    Why Obamacare Poses the Greatest Threat EVER to American's Retirement Savings

    in Finance

    "Yes, Virginia, Obamacare WILL affect your retirement and your Medicare..."

    For years, Americans have been told by their financial advisors that their health insurance situation would be "cured" as soon as they reached the promised land of Medicare.  And... for a long time, this was true.

    Unfortunately, the Affordable Care Act is rapidly changing that.

    Many seniors were lulled into a false sense of security when Obamacare rolled out.  In fact, there were many politicians and pundits who claimed that there would be virtually NO impact to seniors on Medicare due to this.  

    "Don't worry.  Obamacare has nothing to do with you seniors.  We won't ever mess with Medicare."

    Unfortunately, that reassurance turned out to be far from the reality.

    In this episode of Safe Money Radio with Rick Liuag, Rick warns Americans about what he considers to be the greatest risk ever to their retirement savings, Obamacare.

    In this power packed hour show, Rick explains in detail how and why Obamacare poses the greatest threat of all to American's retirement savings and gives you practical common sense advice about how to protect your retirement savings. 

    Rick Liuag, author of "What You Can Do If  Can't Afford the New Obamacare Health Plans" and "You're Gonna Need A Bigger Boat: How Obamacare Threatens Your Retirement Savings," is president of Rick Liuag Insurance Agency.  He advises seniors and business owners nationwide on how to protect, preserve and prolong their retirement savings.  Call 1-855-340-7233 to arrange a consultation with Rick or to get a copy of his latest book.


  • 00:19

    90 Day Savings Challenge

    in Family

    Jessi Fearon, blogger with The Budget Mama, stopped by to chat about her new challenge - The 90-Day Savings Challenge. Over the next three months she wants to help you stop using credit cards and rid yourself of the cash-back excuse by creating your own 5% savings perk! Are you looking to add a spark to your debt free journey, tune in and be inspired!

  • 00:15

    State of Savings Institutions

    in Finance

    Caroline Jones, commissioner of the Texas Department of Savings and Mortgage Lending, joins the show to discuss the state of savings institutions in Texas. Latresa Powell of the Texas Bankers Insurance Agency answers the question of the week, "Is there a specific protocol for reporting potential financial bonds or D&O claims?"

  • 00:15

    Dj Blog Network/Daylight Savings Time

    in News

    Spring Forward With Daylight Savings Time Hello and Welcome to the Dj Blog Network I'm Randy Johnson, and in today's post it is Spring Forward With Daylight Savings Time, which means set your clocks up an hour tonight before you go to bed, which means it's they're going to be a lot of drowsy people and kids when Monday morning rolls around.




    Randy Johnson



  • 00:24

    Surviving On Shoestrings - How we Survived a Year without Income or Savings.

    in Lifestyle

    Brought to you by PREPARE Magazine - Visit & Sign up for your FREE Digital Subscription!

    If your first thought was that we lived on our savings, think again.  Here are some bullet points of what route we chose to go when we were faced with no income for a full year:

    We did not have a savings to live from
    We did not go on a government assistance program
    We did not move in with family to avoid mortgage or rent
    We did not split up our family to handle the situation.

    Some of the things we did do were:

    Live off the garden.
    Waste NO food.
    Barter food items.
    Sell off most of our belongings.
    Downsize to one car.
    Cut out most entertainment.

    You'll have to listen to the show to hear how we did this...

    Have fun and enJOY the journey!


    Come like our Surviving On Shoestrings Facebook Page for more tips!

  • 00:02

    How to Build Savings? Information.

    in Family

    We're trying to get through this maze called life and what crucial information are we lacking?

    Please join us and if you can't, contact us for a free informational meeting.
    There's a lot of needless fear and bad feelings about money.
    We go to school. We get English, Math, Science, History. What course don't we get? Anybody ever take My Money, Money 101, Building Wealth?
    We use money every day, all day. And no course? What's up with that?
    Tomorrow night we'll get the essentials --and solutions for:
    – Reducing taxes (and give yourself a pay raise) 
    – Reducing credit card debt, student loans 
    – Saving up to $150/month on Auto/Home and Life Insurance 
    – then using that money to maximize your Roth IRA, 401 (k), your NYS pension plan, Start a 529 College Savings plan for your kids  
    Let's get financially well:
    In the Capital Region, come to the Family Money Fair at the Rotterdam Library Wednesday night July 30, 1100 N. Westcott Road, from 6-7:30, drop in. Go to bitly.com/yourmoneyny and sign up for your copy of How Money Works, the must-have guide.  bitly.com/yourmoneyny  
    See you Wednesday.


  • 00:32

    Year 2 of the 52 Week Savings Challenge -- Year End Wrap up

    in Prayer

    Did you participate in the 52 Week Savings Challenge? Call in and share your experience. Did you use your savings for Christmas Shopping or did an emergency come up?

    What challenges will you try in 2015?

    What made this easy or difficult?

  • 00:48

    Connected Health & Health Savings Accounts

    in Business

    On this week's edition of HealthCare Consumerism Radio, hosts Ron Bachman, Doug Field and Andrew Dietz are in the studio for an in-depth discussion of the future of wearable devices, workplace wellness, health savings accounts and much more.

    For the first segment on the program, the hosts welcome special guest Cédric Hutchings, CEO, Withings, to the program to discuss connected health and wearable devices in the workplace. As a leader in the connected health revolution, Withings creates beautifully designed, award-winning products that bring long-term engagement and a measurable health impact to workforces. The Withings ecosystem allows employees to track and improve activity, sleep, weight and heart health. In this interview, Cédric and the hosts discuss what's next from the connected health revolution and the importance of companies adopting a data-driven approach to employee health and wellness.

    For the second segment on the show, the hosts welcome Liz Ryan, EVP and group head of Wells Fargo Health Benefit Services (HBS), back to the program to discuss the importance of an HSA as a long-term asset and safety and security a successful HSA program. In this interview, Liz and the hosts look at HSA industry growth, the keys to successful enrollment, the value of an HSA as a long-term asset, the challenges to containing health care costs and much more.