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Friday, December 16, 2016

2016-12-18 Prepare For Retirement Surprises With Aasim Inshirah & Ed Fulbright On Mastering Your Money Radio





Prepare For Retirement Surprises

As you advance toward retirement, it's a good idea to start sharpening the focus of your retirement vision. You need to figure out how you'll spend your time, what your retirement budget will look like and where your money will come from in retirement.

But as you build your retirement plan, you may discover a few unexpected twists along the way. The sooner you confront them, the better you can prepare.

Joining us for this discussion on PREPARE FOR RETIREMENT SURPRISES is Aasim Inshirah who is the station’s operation manager and makes sure Mastering Your Money is available to our listeners.


Thursday, December 8, 2016

2016-12-11 Finding Happiness With Jonathan Clements & Ed Fulbright On Mastering Your Money Radio




Jonathan Clements- Finding Happiness


Psychologists, in fact, tell us that we really don’t know what makes us happy.  We fantasize about retiring to a tropical island, but those who actually do so, soon find themselves hot, bored and missing their friends and family.  We lust after a Beemer and a 6,000 square foot home, only to find that they quickly lose their luster. The maintenance required for these items of  luxury command way too much time and money.  Worst of all, the cost of all this necessitates wasting our lives at jobs we despise and so prevents us from doing the things we love.  Always remember that life is too short to not live it being happy with your money and your life being terrible things to waste.

Joining us for our discussion on Finding Happiness is Jonathan Clements  who is on the phone from Greater NY City office. Jonathan spent almost 20 years at The Wall Street Journal, where he was the newspaper's personal-finance columnist. Between October 1994 and April 2008, he wrote 1,009 columns for the Journal and for The Wall Street Journal Sunday. He then worked for six years at Citigroup, where he was Director of Financial Education for Citi Personal Wealth Management, before returning to the Journal for an additional 15-month stint as a columnist.  His latest book is How To Think About Money.


Friday, December 2, 2016

2016-12-04 Retirement Readiness With Deborah Owens & Ed Fulbright On Mastering Your Money Radio




Retirement Readiness

Are you ready to retire and ride off into the sunset?
If the answer is no, then you might not be taking advantage of the various retirement plans being made available to Americans.

According to Prudential, only 74 percent of African-Americans contribute to employer-sponsored retirement plans, as opposed to 85 percent of their White counterparts.  The average "young couple" has less than $5,000 saved in a retirement plan.

Joining us for our discussion on Retirement Readiness is Deborah Owens who is on the phone from her Baltimore Maryland office. Deborah Owens is a nationally recognized expert on investment literacy and creating and maintaining wealth. Seen on TvOne’s NewsOne on their Wealthy U segments, she is known as America’s Wealth Coach.  Deborah is the author of A Purse Of Your Own:An Easy Guide To Financial Security.

Wednesday, November 16, 2016

2016-11-20 Saving Money On Christmas Gifts With Aasim Inshirah & Ed Fulbright On Mastering Your Money Radio




Saving Money on Christmas Gifts



You have approximately 30 plus days to Christmas.  Christmas has become a money event. Your kids expect to have some type of materialistic gift.  They are asking for Xboxes,  the latest cell phone and more.  It has become a tally of gifts.  It creates stress, hassles and shopping burn outs for parents.  Christmas was not originally meant to become a retailer’s bonanza. 



I remember during Christmas time as a child looking forward to receiving homemade cookies, cakes and pies.  In fact, i remember a client who reduced their Christmas gift bill significantly by coming up with a family Christmas cookie recipe. The cookies were looked at by friends and family as a sign of great love and affection.  Some friends were greatly disappointed when they received store bought gifts instead of the homemade cookies.  The family reduced their gift spending from 6% of annual income to 2% by using this strategy.  This is not a scrooge strategy but one to get your values more in sync with your pocket book and give you extra money to fund your kid’s college fund, your emergency fund, increase your retirement contribution and more.   


Joining us for this discussion on SAVING MONEY ON CHRISTMAS GIFTS is Aasim Inshirah who is the station’s producer and makes sure Mastering Your Money is available to our listeners.  



Friday, November 11, 2016

2016-11-13 Do I Want Venture Capital With William Crowder & Ed Fulbright On Mastering Your Money Radio








William Crowder- Do I Want Venture Capital Show 



Venture capital is financing that investors provide to startup companies and small businesses that are believed to have long-term growth potential. For startups without access to capital markets, venture capital is an essential source of money. Risk is typically high for investors, but the downside for the startup is that these venture capitalists usually get a say in company decision.   Since African Americans have limited access to capital, will Venture Capital be any easier.

Joining us for our discussion on Do I Want Venture Capital?  is William Crowder  who is calling in from his Philadelphia PA office.  William joined Comcast Ventures in 2012 to lead the Catalyst Fund which focused on investing in startups with diverse founding teams.  He is responsible for identifying, executing and managing new investments while supporting existing portfolio companies for the Fund.  He has an East Coast focus with a particular interest in startups leveraging data and technology to create new operating models for inefficient markets.  A former bootstrapped entrepreneur himself, William’s early stage experience also extends to his involvement with DreamIt Ventures, a global startup accelerator, where he is a partner.



Tuesday, November 1, 2016

2016-11-06 Getting The Best Deal With Greg Williams & Ed Fulbright On Mastering Your Money Radio




Greg Williams - Getting The Best Deal Interview 



As you look around a poker table, you read your opponents’ “tells”—tapping a finger, stirring a drink, scratching a nose—and you make your next move accordingly. The same should hold true when it comes to negotiations.  Whether making million dollar deals at work, a new salary, or your next real estate purchase, you not only need to “read between the lines” to detect body language signals but you need to learn how to control your own as well.

Joining us for our discussion on Getting The Best Deal is Greg Williams who is calling in from his Roselle NJ office.  With over 30 years of experience, GREG WILLIAMS, The Master Negotiator & Body Language Expert, is an accomplished author/speaker/trainer recognized worldwide. He is often requested to appear on television to critique the negotiation strategies and hidden body language of politicians, entertainers, and others. Williams has also advised numerous small and large corporate organizations.  His latest book is Body Language Secrets To Win More Negotiations: How To Read Any Opponent and Get What You Want.



Thursday, October 27, 2016

2016-10-30 Getting The Family Business To The Next Generation with Henry Hutcheson & Ed Fulbright On Mastering Your Money Radio




Henry Hutcheson- Getting The Family Business To The Next Generation Interview 

Family businesses, like relatives, come in many shapes and sizes. More than 66 percent of all family businesses do not make it to the next generation.   Most family businesses begin with a single founder, who either saw an opportunity or simply took action to make ends meet. Maybe it was both. However, this can quickly evolve into a husband-and-wife team, or two brothers or sisters. Many family businesses are owned and run by women, who have the additional burden and conflict of being “mom” and the chief emotional support for the family. Then the next generation comes along, grows up among the hustle and bustle of their parents trying to build a business, helping out where possible, and one day finding that they are working in their parent’s business. Then the kids get married and bring in-laws into the business. Trusted and capable non-family employees are picked up along the way.

Joining us for our discussion on Getting The Family Business To The Next Generation is Henry Hutcheson who is in our Durham NC Studio.  Henry Hutcheson, comes from two renowned family businesses, Olan Mills Portrait Studios on his mother’s side and Peerless Woolen Mill on his father’s side. Henry has firsthand experience with many of the concerns that are unique to family businesses. Henry studied Psychology and has extensive business knowledge in the critical skills for working effectively with a family business. As a family business adviser and consultant, Henry can empathize with the family business and thus be more effective. Henry engages in a business mentoring and life coaching relationship with each family member and key stakeholders, and the scope of his work with the family and business is all encompassing. His latest book is Dirty Little Secrets of Family Business: Ensuring Success From One Generation To The Next.




Thursday, October 20, 2016

2016-10-23 Crowdfunding with David Morris, Jesse Jones & Ed Fulbright On Mastering Your Money Radio









David Morris & Jesse Jones- Crowdfunding Show 



What is 'Crowdfunding'?
Crowdfunding is the use of small amounts of capital from a large number of individuals to finance a new business venture. Crowdfunding makes use of the easy accessibility of vast networks of people through social media and crowdfunding websites to bring investors and entrepreneurs together. Crowdfunding has the potential to increase entrepreneurship by expanding the pool of investors from whom funds can be raised beyond the traditional circle of owners, relatives and venture capitalists.

Joining us for our discussion on Crowdfunding: Pros & Cons are Attorney’s David Morris & Jesse Jones who are in studio.  Attorney’s David Morris & Jesse Jones are with the Forrest Law Attorney Jones focuses on counseling early stage and high growth business clients in all types of transactions from formation to exit, in addition to serving as outside counsel to more mature organizations. He seeks to provide practical and thoughtful advice to help clients refine and achieve their goals.  Specific areas of practice include start-up counseling, seed, venture capital, and debt financing's, mergers and acquisitions, and the negotiation and structuring of a wide range of contracts and transactions. Attorney Morris draws from a deep well of experience as an attorney, M&A strategic adviser, commercial banker, educator, entrepreneur/founder, and investor.  In his of-counsel role at the Forrest Firm, Mr. Morris focuses on commercial transactions/banking work, private equity, mergers and acquisitions, and general corporate matters. In addition to his corporate practice, David also practices in the areas of estate/succession planning and commercial real estate.



Thursday, October 13, 2016

2016-10-16 Small Business Public Relations With Valerie K. Fields & Ed Fulbright On Mastering Your Money Radio







Valerie K. Fields- Small Business Public Relations


Here’s an old saying:  “Advertising is what you pay for, publicity is what you pray for.”
This is a great ice breaker for entrepreneurs and PR practitioners who need to explain public relations.  It’s also a good starting point for the general public.  While there are dozens of good articles on this topic most people – even professionals who should know better- still don’t know the difference between advertising and public relations.

Joining us for our discussion on Small Business Public Relations is VALERIE K. FIELDS in our Durham, NC Studios.  Valerie “VK” Fields has worked in public relations for some of the world’s most well-known organizations including Walt Disney World Resort, McDonald’s Corporation Regional Headquarters and the Ronald McDonald Children’s Charities of North Carolina.

She also has been an entrepreneur for more than 15 years. She is founder of V.K. FIELDS & CO., an award-winning PR and copy-writing agency in Raleigh, NC. In 2005, the company received the “Pinnacle Business of the Year Award” from the Greater Raleigh Chamber of Commerce. Fields has been honored by the Triangle Business Journal with awards that include "Women in Business,"
"Excellence in Mentoring" and "40 Under 40" leaders. In 2010, she authored her first children’s book titled, “The Bizeebee Family Business,” which teaches young people about business and entrepreneurship.



Friday, October 7, 2016

2016-10-09 Sole Entrepreneur With Kimberly Palmer & Ed Fulbright On Mastering Your Money Radio




Kimberly Palmer- Sole Entrepreneur

When I started my CPA practice, I kept my full time job working for a technology company.  After working nights and weekends for three years, I decided to go full time into our business.  I was greeted with some doubters but I found most people to be wonderful supporters.  The one thing I had to remember is to ask for their support and help.  Very few people will help you unless you ask.

Joining us for our discussion on Sole Entrepreneur is Kimberly Palmer who is calling in from her Washington DC office.  She was the senior money editor at US News & World Report for nine years. She is an adjunct professor at American University, where she teaches a course on mastering social media. She has appeared on NBC’S TODAY, CNBC, and CNN. She is the author of “The Economy Of You: Discover Your Inner Entrepreneur And Recession-Proof Your Life”

Friday, September 30, 2016

2016-10-02 Epic Retirement With Assim Inshirah & Ed Fulbright On Mastering Your Money Radio




Epic Retirement

About 30 days ago, we talked about Life After Work which was more about the quantitative process of retirement.   This month we want to discuss “Epic Retirement” is more of the qualitative process of retirement.  Quantitative and Qualitative may be causing some of our listeners to say, what are you talking about?  So let me break it down like this last month was about the money and this month is about the quality of retirement.

When retirement was created people only lived for 1 or 2 years as retired.  Now, it is not uncommon for people to spend 25 to 35 years in retirement.  A WSJ article indicated if you delay your retirement by 1 year, you could increase your longevity by 11%.  EPIC stand for Engage, Purpose, Integration and Challenge.  If you have these four things in your retirement, you can have a successful retirement.  Some people are looking at their retirement accounts as their autonomy fund or independence account.

Joining us for this discussion on Epic Retirement is Assim Inshirah who is the station’s operation manager and makes sure Mastering Your Money is available to our listeners.  


Thursday, September 22, 2016

2016-09-25 Greater Success Just Requires A Little More Effort with Michael Alden & Ed Fulbright On Mastering Your Money Radio




Michael Alden Interview- Greater Success Just Requires A Little More Effort


Do you want greater success at work and in your career?  Making small changes to reach your goals is key.  5% greater effort is a small number but it will make a difference in your life.
Increase results, not activities, by 5% More – Don’t focus on activities, focus on results.  Looking at how to increase your results, even by a small amount, will help you recognize and eliminate actions that waste your time. Save your company 5% More – If you can identify a small change that can save your employer thousands of dollars, you will increase your net worth to the company.  Discussing that savings during your performance review will help you get a raise. Work 5% longer – Putting in an extra few minutes at work each day seems minor, but completing an additional task, week after week, will help you increase your chances for promotions and raises.

 If you are a business owner, Do something 5% differently than your competitors: Be a little more creative and think a little bit harder than your competitors.  Whether it is going the extra mile in customer service, or offering a product that's just slightly better than that of your competitors, makes the difference in winning sales.  Motivate your team to give 5% More:  Your business will never grow, if your team keeps doing the same thing over and over again. Invest 5% more in training and supporting them, so that they can do the best job possible.

Joining us for our discussion on Greater Success Just Requires A Little More Effort  is Michael Alden who is calling in from his Beverly MA office.  Michael Alden is the founder and CEO of Blue Vase Marketing, a multi-million dollar marketing firm that has been ranked by Inc. Magazine as one of the fastest growing private firms in America. Alden is also a recipient of SmartCEO Magazine’s 2016 Future 50 Award.  A successful serial entrepreneur, who hosts his own podcast and a writes a popular blog, Alden is a speaker and regular guest on television and radio throughout the country.  His first book Ask More, Get More was a national bestseller. His latest book is 5% More: Making Small Changes to Achieve Extraordinary Results.

Monday, September 19, 2016

2016-09-18 Follow Your Gut with Lynn A. Robinson & Ed Fulbright On Mastering Your Money Radio







Lynn Robinson Interview - Follow Your Gut:

The business world is being forced to change. Old practices and habits will not stand up in the current climate. Understanding how to navigate the transition can be tricky. Intuition can guide individuals and businesses through transitions, crises, staff changes, relationship changes, and more.

Intuition — one of the fastest-spreading buzzwords in business — has become increasingly important to decision makers who are faced with the challenge of conflicting or inconclusive information.

“Intuition is an inner compass that we all possess and that guides us unerringly to the realization of our hopes and dreams
In businesses big and small, making decisions comes with the territory. But, how do you routinely make decisions that enhance, not diminish, the bottom line?

Joining us for our discussion on Follow Your Gut is Lynn A. Robinson who is calling in from her Mashpee MA office .  Robinson is the author of seven books on intuition. She has an international reputation as an inspirational speaker, and a gift for making an esoteric topic practical, interesting and down-to- earth. Put Your Intuition to Work has an uplifting message and powerful advice for anyone interested in supercharging their inner wisdom to make great decisions..”
Her latest book is Put Your Intuition To Work: How To Supercharge Your Inner Wisdom To Think Fast and Make Great Decisions .

Friday, September 9, 2016

2016-09-11 Value Driven Marketing With David Avrin & Ed Fulbright On Mastering Your Money Radio





David Avrin Interview- Value Driven Marketing:  


Before the digital age, we might walk into a car showroom and say “tell me about this car”. Now, armed with every detail, price comparison and review, we walk in and ask “why should you get my business”? We know everything now. It’s a new customer/salesperson relationship and the old rules of marketing no longer apply.  HOW DO YOU WIN IN BUSINESS WHEN EVERYONE IS GOOD?
THE LANDSCAPE IS LITTERED WITH THE CORPSES OF GREAT PRODUCTS AND STRONG COMPANIES THAT DIED BECAUSE OF CRAPPY MARKETING.
Why do so many companies fail so miserably? Why do high-priced ad agencies and marketing firms keep spitting out stupid campaigns?
Too many in business have failed to recognize the shift that has happened right under their noses. It's not so much that people have changed; it's that the business landscape has changed—dramatically. For the first time in human history, we have no unmet needs. Every problem has a solution, and many companies now find themselves creating solutions that appear to be looking for a problem.

Joining us for our discussion on Value Driven Marketing  is  who is calling in from his Boston MA office .  Business marketing pro DAVID AVRIN, CSP, is known as The Visibility Coach. A popular keynote speaker, consultant, and business coach, he has presented to enthusiastic audiences across North America and in more than 20 countries around the world. Avrin has worked with more than 3,000 company CEOs and other top leaders and their organizations to help uncover, envision, craft, and promote meaningful competitive advantages. Avrin’s company, Visibility International, LLC, is based outside Denver, CO.  His latest book is VISIBILITY MARKETING: The No-Holds-Barred Truth About What It Takes to Grab Attention, Build Your Brand, and Win New Business.


Thursday, September 1, 2016

2016-09-04 Life After Work With Aasim Inshirah & Ed Fulbright On Mastering Your Money Radio






 Life After Work:

“Life After Work” requires retirement income planning and really is all about creating a good life for yourself after you leave your primary job. It doesn’t mean you won’t necessarily work. In fact, many boomers are planning to continue working in some capacity after they leave their main job. But hopefully the work you do in retirement won’t feel like work. Work is the thing you’re getting away from. Life is what you are moving toward.
Now – like anything else you buy or invest in – you need to figure out how to fund your life after work. You need a budget and a plan. For many of us, we are talking 30 years here where you are responsible for your own paycheck. Given the length of time we're looking at, you need to have a retirement income plan.
Joining us for this discussion on Life After Work  is Aasim Inshirah who is the station’s operation manager and makes sure Mastering Your Money is available to our listeners.




Tuesday, August 23, 2016

2016-08-28 Turn $3,000 To $50 million dollars With Paul Merriman & Ed Fulbright On Mastering Your Money Radio







Paul Merriman Interview- Turn $3,000 To $50 million dollars:

Articles on $3000 to $50 million
To Get Any of His Complimentary e-Books Go To http://paulmerriman.com/

Every parent wants the best for their children.  If possible, most parents would like to leave their child a nice fortune.  Today we will discuss the possibilities of leaving your children or grandchildren $50 million dollars by investing $3000 and the challenges that may prevent you from doing so.

Joining us for our discussion on Turn $3,000 To $50 million dollars is Paul Merriman  who is calling in from his Seattle Washington MA office .  Paul Merriman is a nationally recognized authority on mutual funds, index investing, asset allocation and both buy-and-hold and active management strategies. Now retired from Merriman, the Seattle-based investment advisory firm he founded in 1983, he is dedicated to educating investors, young and old, through weekly articles at Marketwatch.com, and via complimentary eBooks, podcasts, articles, recommendations for mutual funds, ETFs, 401(k) plans and more, at Paulmerriman.com

Thursday, August 18, 2016

2016-08-21 Family Wealth Plan Show With Howard Stevenson & Ed Fulbright On Mastering Your Money Radio




Howard Stevenson Interview- Family Wealth Plan Show

Wealth. It’s a nice problem to have, but the financial uncertainty inherent in today’s world means that no one can afford not to think about wealth - how you get it, manage it, and use it. Wealth and your families become even more complicated! 78% of wealthy people get their money thru creating it vs inheriting it.  At least half grew up in middle class or lower middle class households.   So most people did not have a silver spoon.  The average inheritance is a $177k. This is a  nice amount but you will not become wealthy thru inheritance.

Joining us for our discussion on Family Wealth Plan is Howard Stevenson who is calling in from his Boston MA office .  Howard Stevenson’s forty-year career as a professor at the Harvard Business School included the founding of the school’s Entrepreneurial Management Program. His entrepreneurial ventures included founding and serving as the first president of the Baupost Group, Inc., a wealth management firm that now invests $29 billion for its clients. He remains involved in the investment world today, working with his son to manage investments for his family and others. Deeply committed to philanthropy as a donor and a nonprofit board member and trustee, he wrote Getting to Giving: Fundraising the Entrepreneurial Way to share his philanthropic experiences. His most cherished role is as the member of a family he describes as “wealthy enough to have real choices and complex enough to face real challenges.”  
His latest book is Wealth and Families: Lessons From My Life Journey.







2016-08-14 Get Your Own Raise With Don Asher & Ed Fulbright On Mastering Your Money Radio



Don Asher Interview- Get Your Own Raise:

You’ve paid your dues.  You work hard, in a field you love.  You are, by most measures, successful in your career.  Now, you are ready for the step or perhaps, leap to a bigger job, the next level, substantially higher pay.  The June issue of Money Magazine talks about the 21 Most Valuable Career Skills you need.    

Joining us for our discussion on Get Your Own Raise  is Donald Asher who is on the phone from his San Francisco office.  Asher is an internationally acclaimed author and speaker specializing in careers and higher education. He is the author of ten books. He is a contributor to the San Francisco journal, the Wall Street Journal's Online Editions, Careerjournal.Com And College Journal.Com. He is the education columnist for MSN Encarta, one of the top worldwide destinations on the web.  He has written  Who Gets Promoted Who Doesn’t And Why: 12 Things You’d Better Do If You Want To Get Ahead




Thursday, August 11, 2016

2016-07-31 Becoming The Best with Bruce Raymond Wright & Ed Fulbright on Mastering Your Money Radio



Bruce Raymond Wright 

Bruce Raymond Wright Interview- Becoming The Best Show: 

The term transcendence means surpassing the ordinary and elevating above the status quo with amazing and relevant offerings, products and excellence that is irresistible. Transcendence and change are inextricably connected. Just as people avoid or resist change, they tend to avoid or resist transcendent elevating new ideas, business, political, financial, or societal constructs that stretch beyond the limitations of their comfort zones or the way they see themselves. I am telling you this so you will not be surprised when some (or perhaps all) of the people around you do not share your enthusiasm for elevating yourself or your business above the current condition.

Joining us for our discussion on Becoming The Best is Bruce Raymond Wright who is calling in from his Simi Valley CA office.  Bruce Raymond Wright is a serial entrepreneur, inventor and innovator.   Developed a multi advisor financial advisory firm and sold it.  Developed high level consulting practice upon the suggestion of senior level executives at an aerospace client called Marco Strategic Design, Inc.  
His latest book is Titled The Transcendent Thought and Market Leadership 1.0
      




Thursday, August 4, 2016

2016-07-24 True Wealth With Michael Kay & Ed Fulbright On Mastering Your Money Radio


Michael Kay Interview- True Wealth Show: 

Is feeling rich about “stuff” and “things” or money in the bank? Is it about a new car or a plan for tomorrow? Is it about those you love and the security and comfort of knowing that you are moving toward—and not away from—your life’s riches?  I have found that stuff does not make you happy but some of us spend a lot of time buying stuff to substitute for happiness.

Joining us for our discussion on True Wealth is Michael Kay, CFP who is calling in from his Livingston, NJ office .  Michael F. Kay is a Certified Financial Planner®, author and speaker on personal finance and financial life planning. He is the author of two books (The Feel Rich Project and The Business of Life) and he speaks and delivers workshops across the U.S.  His latest book, The Feel Rich Project, is about transforming your relationship with money—reaching clarity on what matters most and developing a personal plan to reach it.

He is the President of Financial Life Focus and a regular contributor to Forbes and Psychology Today



Sunday, July 17, 2016

2016-07-17 Social Security Strategies With Ed Fulbright, CPA, CGMA, PFS


Social Security Strategies Show: planwelllivebetter.com Social security is the part of all american’s  retirement plan.   This is the only retirement  income  many americans’ have.  Maximizing social security can enhance your standard of living.   Starting in 2016, social security change so your strategy has to change.  We want to take the next 28 minutes to discuss the changes.

Joining us for this discussion On Social Security Strategies is Assim Inshirah who is the station’s operation manager and makes sure Mastering Your Money is available to our listeners.


Tuesday, July 12, 2016

2016-07-10 Job Performance With Tamra Chandler and Ed Fulbright on Mastering Your Money Radio


The world of work is at a crossroads, shifting into a whole new culture of transparency, support, and collaboration. Yet many old methods are still in use, including performance reviews. We're beginning to create alternatives: 6 percent of Fortune 500 companies did away with performance rankings as of last year and more are following. 89% Of Respondents In The 2015 Deloitte Human Capital Survey were already planning to replace their performance review system in the next 18 months. Even if it's business as usual for now, employees can prevail over traditional performance reviews. And managers understand it's time to flip the script.


Joining us for our discussion on Job Performance is Tamra Chandler who is calling in from her washington state office .  Tamra Chandler is a bona fide People Maven. She's spent the majority of her career thinking about people, researching how they're motivated, and developing new and effective ways for organizations to achieve the ultimate win-win: inspired people driving inspiring performance. Chandler is also the CEO and co-founder of Peoplefirm, one of Washington state's fastest-growing businesses and most successful women-owned firms. An award-winning leader in her field (recognized twice by consulting magazine as one of the top consultants in the u.s.), she is the author of How Performance Management Is Killing Performance - And What To Do About It    


Monday, July 4, 2016

2016-07-03 A More Passionate And Healthier Workplace With Tim Mulligan and Ed Fulbright on Mastering Your Money Radio



It’s a fact that we live in disruptive times. Industries are collapsing, financial markets are imploding, oil and commodity prices are plummeting, and terrorism is shutting down major urban areas.

It’s no wonder there is so much illness and despair in the world. We have become bombarded by ringing, texting, tweeting, pinging, chatting, messaging 24/7/365, and there is very little “white space” any more. Organizations find themselves grappling with constant change, intense pressure, ambiguous crises, overwhelming stress and daunting uncertainty. The toll on disruption is high. It has been estimated that 75 to 90 percent of all visits to primary care physicians are for stress-related problems. The “new normal” is tired, stressed, burned out, fragmented, distracted and disconnected employees who are getting sicker and sicker, which leads to:
  • decreased engagement
  • loss of trust
  • less retention
  • damaged brand equity
  • lower productivity



Joining us for our discussion on A More Passionate And Healthier Workplace is Tim Mulligan          who is calling in from his San Diego Ca office .  Tim Mulligan  serves the San Diego Zoo Way  Global as its Chief Human Resources Officer. In his role, Mulligan manages a staff of more than 18 employees who fulfill employment  needs for the organization, develop benefits packages for its nearly 3,000 employees and handle organizational and strategic challenges that occur in a large, diverse workplace.  He is the co-author of “Roar: How To Build A Resilient Organization, The World Famous San Diego Zoo Way”     


2016-06-26 Preparing For Retirement with Emily Brandon and Ed Fulbright on Mastering Your Money Radio


Only 22 percent of Americans are enrolled in traditional pension plans.  So for millions of Americans, they are without a pension and will be responsible for their retirement  accumulation.   When people are downsized, they use their retirement accounts to supplement their lifestyle.  Americans will feel the challenge of not having to work part time during retirement.

Joining us for our discussion on Preparing For Retirement is Emily Brandon who is calling in from her San Francisco_ office .  Emily Brandon is a senior editor, retirement columnist and blogger at US News & World Report .  Her articles have been featured in Consumer Reports, and The Washington Post‘s Express and she has appeared On Nightly Business Report and MSNBC news among other outlets. Her latest book is “Pensionless:  The 10 Step Solution For A Stress Free Retirement  ”


Friday, June 24, 2016

The Brits Exit Shakes Global Markets By Ed Fulbright

The Brexit Shakes Global Markets

A worldwide selloff occurs after the United Kingdom votes to leave the European Union.

Provided by Ed Fulbright, CPA, CGMA, PFS

A wave of anxiety hit Wall Street Friday morning. Thursday night, the United Kingdom elected to become the first nation state to leave the European Union. The “Brexit” can potentially be finalized as soon as the summer of 2018.1
  
Voters in England, Scotland, Wales, and Northern Ireland were posed a simple question: “Should the United Kingdom remain a member of the European Union or leave the European Union?” Seventy-two percent of the U.K. electorate went to the polls to answer the question, and in the final tally, Leave beat Remain 51.9% to 48.1%.2,3
   
The vote shocked investors worldwide. The threat of a Brexit was supposed to have decreased. As late as Thursday, key opinion surveys showed the Remain camp ahead of the Leave camp – but at 10:40pm EST Thursday, the BBC called the outcome and projected Leave would win.4
  
Why did Leave triumph? The leaders of the Leave campaign hammered home that E.U. membership was a drag on the U.K. economy. They criticized E.U. regulations that impeded business growth. They felt that the U.K. should no longer contribute billions of pounds per year to the E.U. budget. They had concerns over E.U. immigration laws, which permit free movement of people among E.U. nations without visas.1
      
Financial markets were immediately impacted. The pound fell almost 11% Thursday night to a 31-year low, and the benchmark U.K. equities exchange, the FTSE 100, slipped 5% after initially diving about 8%. Germany’s DAX exchange and France’s CAC-40 exchange respectively incurred losses of 7% and 9%. In Tokyo, the Nikkei 225 closed nearly 8% lower, taking its largest one-day slide since 2008.5
   
Stateside, S&P 500 and Nasdaq Composite futures declined more than 5% overnight; that triggered the Chicago Mercantile Exchange’s circuit breaker, briefly interrupting trading. The Chicago Board Options Exchange Volatility Index, or CBOE VIX, approached 24 after midnight. The price of WTI crude fell more than $2 in the pre-dawn hours.5,6

At the opening bell Friday, the Dow Jones Industrial Average was down 408 points. The Nasdaq shed 186 points at the open; the S&P, 37 points.7

Fortunately, the first trading day after the Brexit referendum was a Friday, giving Wall Street a pause to absorb the news further over the weekend.

How could the Brexit impact investors & markets going forward? Consider its near-term ripple effect, which could be substantial.

The Brexit could deal a devastating blow to both the United Kingdom and the European Union. Depending on which measurements you use, the E.U. collectively represents either the first or third largest economy in the world. In terms of international trade, its import and export activity surpasses that of China (and that of the United States).2

An analysis by the U.K.'s Treasury argued that the country would be left “permanently poorer” by the Brexit, with less tax revenue and lower per-capita GDP and productivity. The Brexit certainly hurt the U.K.’s major trading partners, which include China, India, Japan, and the United States. Some Chinese and American companies have established operations in the U.K. specifically to take advantage of its E.U. membership and the free trade corridors it opens. With the U.K. exiting the E.U., the profits of those firms may be reduced – and the U.K. will have to quickly negotiate new trade deals with other nations. The most recently available European Commission data shows that in 2014, U.S. direct investment in the E.U. topped €1.8 trillion (roughly $2 trillion), with a slightly greater amount flowing back to the U.S.2
  
You could also see a sustained flight to the franc, the yen, and the dollar in the coming weeks. The stronger the dollar becomes, the weaker the demand for American exports.
  
Investors should hang on through the turbulence. The Brexit is a historic and unsettling moment, but losses on Wall Street should be less severe than those happening overseas. Retirement savers should not mistake this disruption of market equilibrium for the state of the market going forward. A year, a month, or even a week from now, Wall Street may gain back all that was lost in the Brexit vote’s aftermath. It has recovered from many events more dramatic than this.
  
Please call Ed Fulbright at 919-354-0368 or edf@moneyful.com  if you have questions about your specific situation.
 
This material was prepared by MarketingPro, Inc., and does not necessarily represent the views of the presenting party, nor their affiliates. This information has been derived from sources believed to be accurate. Please note - investing involves risk, and past performance is no guarantee of future results. The publisher is not engaged in rendering legal, accounting or other professional services. If assistance is needed, the reader is advised to engage the services of a competent professional. This information should not be construed as investment, tax or legal advice and may not be relied on for the purpose of avoiding any Federal tax penalty. This is neither a solicitation nor recommendation to purchase or sell any investment or insurance product or service, and should not be relied upon as such. All indices are unmanaged and are not illustrative of any particular investment.
   
Citations.
1 - bbc.com/news/uk-politics-32810887 [6/23/16]
2 - cnbc.com/2016/06/21/uk-brexit-what-you-need-to-need-to-know.html [6/24/16]
3 - bbc.com/news/politics/E.U._referendum/results [6/23/16]
4 - bbc.com/news/live/uk-politics-36570120 [6/23/16]
5 ­- nytimes.com/aponline/2016/06/24/world/asia/ap-financial-markets.html [6/24/16]
6 - rE.U.ters.com/article/us-usa-stocks-idUSKCN0Z918E [6/24/16]
7 - marketwatch.com/story/us-stocks-open-sharply-lower-joining-global-post-brexit-selloff-2016-06-24 [6/24/16]


The Brits Exit Shakes Global Markets By Ed Fulbright

The Brexit Shakes Global Markets

A worldwide selloff occurs after the United Kingdom votes to leave the European Union.

Provided by Ed Fulbright, CPA, CGMA, PFS

A wave of anxiety hit Wall Street Friday morning. Thursday night, the United Kingdom elected to become the first nation state to leave the European Union. The “Brexit” can potentially be finalized as soon as the summer of 2018.1
  
Voters in England, Scotland, Wales, and Northern Ireland were posed a simple question: “Should the United Kingdom remain a member of the European Union or leave the European Union?” Seventy-two percent of the U.K. electorate went to the polls to answer the question, and in the final tally, Leave beat Remain 51.9% to 48.1%.2,3
   
The vote shocked investors worldwide. The threat of a Brexit was supposed to have decreased. As late as Thursday, key opinion surveys showed the Remain camp ahead of the Leave camp – but at 10:40pm EST Thursday, the BBC called the outcome and projected Leave would win.4
  
Why did Leave triumph? The leaders of the Leave campaign hammered home that E.U. membership was a drag on the U.K. economy. They criticized E.U. regulations that impeded business growth. They felt that the U.K. should no longer contribute billions of pounds per year to the E.U. budget. They had concerns over E.U. immigration laws, which permit free movement of people among E.U. nations without visas.1
      
Financial markets were immediately impacted. The pound fell almost 11% Thursday night to a 31-year low, and the benchmark U.K. equities exchange, the FTSE 100, slipped 5% after initially diving about 8%. Germany’s DAX exchange and France’s CAC-40 exchange respectively incurred losses of 7% and 9%. In Tokyo, the Nikkei 225 closed nearly 8% lower, taking its largest one-day slide since 2008.5
   
Stateside, S&P 500 and Nasdaq Composite futures declined more than 5% overnight; that triggered the Chicago Mercantile Exchange’s circuit breaker, briefly interrupting trading. The Chicago Board Options Exchange Volatility Index, or CBOE VIX, approached 24 after midnight. The price of WTI crude fell more than $2 in the pre-dawn hours.5,6

At the opening bell Friday, the Dow Jones Industrial Average was down 408 points. The Nasdaq shed 186 points at the open; the S&P, 37 points.7

Fortunately, the first trading day after the Brexit referendum was a Friday, giving Wall Street a pause to absorb the news further over the weekend.

How could the Brexit impact investors & markets going forward? Consider its near-term ripple effect, which could be substantial.

The Brexit could deal a devastating blow to both the United Kingdom and the European Union. Depending on which measurements you use, the E.U. collectively represents either the first or third largest economy in the world. In terms of international trade, its import and export activity surpasses that of China (and that of the United States).2

An analysis by the U.K.'s Treasury argued that the country would be left “permanently poorer” by the Brexit, with less tax revenue and lower per-capita GDP and productivity. The Brexit certainly hurt the U.K.’s major trading partners, which include China, India, Japan, and the United States. Some Chinese and American companies have established operations in the U.K. specifically to take advantage of its E.U. membership and the free trade corridors it opens. With the U.K. exiting the E.U., the profits of those firms may be reduced – and the U.K. will have to quickly negotiate new trade deals with other nations. The most recently available European Commission data shows that in 2014, U.S. direct investment in the E.U. topped €1.8 trillion (roughly $2 trillion), with a slightly greater amount flowing back to the U.S.2
  
You could also see a sustained flight to the franc, the yen, and the dollar in the coming weeks. The stronger the dollar becomes, the weaker the demand for American exports.
  
Investors should hang on through the turbulence. The Brexit is a historic and unsettling moment, but losses on Wall Street should be less severe than those happening overseas. Retirement savers should not mistake this disruption of market equilibrium for the state of the market going forward. A year, a month, or even a week from now, Wall Street may gain back all that was lost in the Brexit vote’s aftermath. It has recovered from many events more dramatic than this.
  
Please call Ed Fulbright at 919-354-0368 or edf@moneyful.com  if you have questions about your specific situation.
 
This material was prepared by MarketingPro, Inc., and does not necessarily represent the views of the presenting party, nor their affiliates. This information has been derived from sources believed to be accurate. Please note - investing involves risk, and past performance is no guarantee of future results. The publisher is not engaged in rendering legal, accounting or other professional services. If assistance is needed, the reader is advised to engage the services of a competent professional. This information should not be construed as investment, tax or legal advice and may not be relied on for the purpose of avoiding any Federal tax penalty. This is neither a solicitation nor recommendation to purchase or sell any investment or insurance product or service, and should not be relied upon as such. All indices are unmanaged and are not illustrative of any particular investment.
   
Citations.
1 - bbc.com/news/uk-politics-32810887 [6/23/16]
2 - cnbc.com/2016/06/21/uk-brexit-what-you-need-to-need-to-know.html [6/24/16]
3 - bbc.com/news/politics/E.U._referendum/results [6/23/16]
4 - bbc.com/news/live/uk-politics-36570120 [6/23/16]
5 ­- nytimes.com/aponline/2016/06/24/world/asia/ap-financial-markets.html [6/24/16]
6 - rE.U.ters.com/article/us-usa-stocks-idUSKCN0Z918E [6/24/16]
7 - marketwatch.com/story/us-stocks-open-sharply-lower-joining-global-post-brexit-selloff-2016-06-24 [6/24/16]


Wednesday, June 22, 2016

2016-06-19 Building Family Wealth with Kimberly Palmer and Ed Fulbright on Mastering Your Money Radio


For many women, life’s greatest source of financial stresses comes with motherhood. While struggling to keep up with all the new expenses, from diapers and baby food to child care, moms feel the pressure to save for big future goals, like college tuition, and provide a cushion for unexpected events, like a layoff or illness. Then, there are those tough money-and-work related questions: how much time should I take off after my baby is born? Can I afford an unpaid maternity leave? Will I be able to commit the same ambition to my career with a kid? What if I want to work from home or part-time?
 Joining us for our discussion on Building Family Wealth is Kimberly Palmer who is calling in from her Washington state office .  She was the senior money editor at US News & World Report for nine years. She is an adjunct professor at American University, where she teaches a course on mastering social media. She has appeared on NBC’S TODAY, CNBC, and CNN. She is the author of “Smart Mom Rich Mom: How To Build Wealth While Raising A Family ”


Sunday, June 19, 2016

2016-06-12 Networking Like A CEO with Leon Shapiro & Ed Fulbright on Mastering Your Money Radio


While in college I had the opportunity to meet the CEOS of Chase Manhattan Bank and CNA Insurance.  At 20 years old I was fascinated with how down to earth yet how powerful these executive were and as i escorted them from the student union to the auditorium to speak they all mentioned how important it was to have a solid network of colleagues and successful people around you to help you not just advance in your career but in life.

Joining us for our discussion On How To Network Like A Successful CEO  is Leon Shapiro    who is calling in from his San Diego Office .  Leon Shapiro has served as a CEO of one of the leading peer advisory membership organizations , Vistage Worldwide and currently serves on their board of directors.  Prior to that he was an executive at Warner Music Group, NPD And Gartner Inc.

His  latest book isThe Power Of Peers: How The Company You Keep Drives Leadership, Growth & Success.”

2016-06-05 Change Your Future By Voting With James M. Stone and Ed Fulbright on Mastering Your Money Radio



Since I was first able to vote, I have gone to the election booth and voted.  I used to think my vote did not count until one time I thought I might not vote since I was going to be out of town on election day.  I decided to take break from work and go to the election office to vote early and cast my vote.   In the local election, one of the people I supported won by only 3 votes.  Your vote does count and your voice counts too.

Joining us for our discussion on Change Your Future With Your Vote is James M. Stone      who is calling in from his Boston Ma office .  James M. Stone is the founder, chairman, and CEO of the Plymouth Rock Group of companies. He began his career teaching financial economics at Harvard, after earning his PH.D. there. He served as Massachusetts Insurance Commissioner (1975 to 1979), and then as chairman and commissioner of The U.S. Commodity Futures Trading Commission for four years. On his return from Washington, he founded The Plymouth Rock Group, which now has annual revenues in excess of a billion dollars.   His latest book is5 Easy Theses: Commonsense Solutions To America’s Greatest Economic Challenges   


2016-05-29 Your Risk Capacity Show With Kayt Sukel & Ed Fulbright on Mastering Your Money Radio


Are risk-takers born or made?  I want to know how successful risk-takers are doing it
·        What particular blend of biology and experience held within allows us to know what risks are worth taking
·        What risks should be left alone
What is risk?   Risk is often described in terms of either statistics or impending doom. But not even scientists fully agree on a working definition.   There are  fascinating neurological pathways that provide the “gas” and the “brakes” when we are faced with a risky decision.   Some of us have the kind of biology that makes us put on the brakes more often, while others have genes that actually contribute to making poor decisions.
Joining us for our discussion on Your Risk Capacity  is Kayt Sukel      who is calling in from her  office .  Kayt Sukel earned a B.S. in cognitive psychology from Carnegie Mellon University and an M.S. In Engineering Psychology from The Georgia Institute Of Technology. A passionate traveler and science writer, her work has appeared in Atlantic Monthly, New Scientist, USA Today, The Washington Post, Islands, Parenting, Bark, American Baby And AARP Bulletin. She is a partner at the award-winning family travel website Travel Savvy Mom (www.travelsavvymom.com), and is also a frequent contributor to the Dana Foundation’s many science publications (www.dana.org). Much of her work can be found on her website, www.kaytsukel.com, including stories about out-of-body experiences, computer models of schizophrenia and exotic travel with young children.   Her latest book isThe Art Of Risk: The New Science Of Courage, Caution, & Chance