2017-07-16 What is Your Future With Ken Gronbach & Ed Fulbright On Mastering Your Money Radio

Ken Gronbach 

What Is Your Future?

If you want to predict the future with accuracy, only one crystal ball will do: people, by the numbers. By looking at demographics, we can predict the future. From commercial to social to political to cultural trends, counting people reveals what will trend in the next ten years. That’s because it’s based on what people are really doing, from fertility to location to aging.  For instance: women are on the rise in the workforce, shattering glass ceilings. Meanwhile, Generation Y — the largest generation in history — is going to be moving into their own homes. These are but two of the key changes that will determine fortunes and futures in the next ten years.  We will discuss the future and how you might be able to profit from these trends.
Joining us for our discussion on What Is Your Future? is Kenneth W Gronbach      who is in our Durham NC Area studio. Kenneth W Gronbach  is a gifted keynote speaker and nationally recognized author, expert and futurist in the field of Demography and Generational Marketing. He makes the science of shifting demography come alive with real life examples which make it relevant to today’s culture, business climate and economy
His new book is Upside: Profiting from the Profound Demographic Shifts Ahead.

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2017-07-09 Real Estate: What Is Next with Chris Michaud & Ed Fulbright On Mastering Your Money Radio

Chris Michaud

Real Estate: What Is Next?

Politicians, bureaucrats, home buyers and housing activists are at it again.  History is repeating itself right in front of us, and if we do nothing to stop the volatility in real estate markets, we risk the impending doom of the next housing collapse.  The Great Housing Recession caused Americans to lose great amounts of net worth.  Ronald Reagan said The American Dream is not that every man must be level with every other man. The American dream is that every man must be free to become whatever God intends he should become.
Bad loan terms and unrealistic issuance of debt on bad credit ratings cause the Great Housing Recession and created opportunities to create wealth.  You just have to be brave enough to act.

Joining us for our discussion on Real Estate: What Is Next?  is Chris Michaud who is in our Durham NC Area studio. Chris Michaud is a 30+ year veteran of the real estate business as a real estate investor, broker and industry insider with some lobbying experience at the state and national level. He's a sought after guest speaker and author. He was a past state REALTOR President-elect, an investor coach and trainer of the RealInvest Profit System.
His new book is Easy Money and the American  Real Estate Ponzi Scheme.

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2017-06-25 Can Creativity Replace Money With Carl Nordgren & Ed Fulbright On Mastering Your Money Radio

Carl Nordgren

Can Creativity Replace Money

The good news is 98% of us were born creative geniuses.  The problem is the creative juices have disappeared because of a lack of use.  Interesting fact, outside of the Western Developed Nations, roughly 70% of all employment is self generated.  Someone finds a problem in the village or neighborhood that can be solved and discovers a way to earn a living and to feed a family by solving it without an undergraduate course in entrepreneurship or any financial capital.

Joining us for our discussion on Can Creativity Replace Money?  is CARL NORDGREN who is in our Durham NC Area studio. CARL NORDGREN  has worked as a fishing guide on the English River in Northwestern Ontario and on the White River in the Arkansas Ozarks, as a bartender, a foundry man, college professor and a serial entrepreneur. He lived with his family in Ireland for a year where he researched the IRA, and for 14 years he taught courses in Creativity and Entrepreneurship at Duke University. He graduated from Knox College and lives in Durham, North Carolina with his wife Marie where they have raised three daughters. ` His new book is Becoming A Creative Genius (Again).

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2017-06-11 The Right Business Model with Rich Allen & Ed Fulbright On Mastering Your Money Radio

Rich Allen

The Right Business Model

80% percent of all businesses fail within five years, and smaller enterprises are even more vulnerable. Too many business owners work themselves and their teams into the ground, never knowing why they can’t turn a profit. The result is often a tremendous loss of revenue and employees. Inspiring your team is critical to any business’ success, and it can’t happen unless you have the direction and a vision to lead them with.  But what’s missing for many small business owners today is a fundamental underlying model that will allow them to focus on the things that matter most for long-term success

Joining us for our discussion on The Right Business Model is Rich Allen who is calling in from his  Dallas Area office. Rich Allen is a visionary business adviser who brings big-picture wisdom to small business owners and helps them find a unique place in the market. Combining his passion for small enterprise with experience as a senior executive, he hosts a weekly radio show, the “Ultimate Business Tune Up.” His new book is The Ultimate Business Tune Up: A Simple Yet Powerful Business Model That Will Transform the Lives of Small Business Owners.

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2017-06-04 Finding The Money with Carol Broadbent & Ed Fulbright On Mastering Your Money Radio

Carol Broadbent 

Finding The Money

Thinking of launching a start-up? Ready to pull the trigger on that great product idea you and your buddies hatched over a few drinks? Here's the ugly truth: Most start-ups fail. The typical start-up lasts 20 months and burns through $1.3 million in financing before closing its doors. So what are the Do’s and Don’ts of start-ups? And what is the forecast for startup success under Trump?  For all the romance and mystique attached to legendary start-ups such as Apple, Google, and Facebook, the reality is that 90% of start-ups fold within their first two years. Those that succeed owe as much to savvy steps in company building and market focus on the part of their founders as to inspiration, vision, and luck.

Joining us for our discussion on Finding The Money is Carol Broadbent  who is calling in from her  San Francisco Bay Area office. Carol Broadbent is a corporate marketing leader with a blend of leadership and hands-on experience with global tech giants and scrappy tech startups. Carol is experienced in creating demand, building authority and thought leadership, and accelerating sales on a global basis. Her Specialties are Startup marketing, thought leadership, global demand creation, market momentum, team.  Creativity, collaboration, results, and team.

Her latest book is THE ULTIMATE START-UP GUIDE: Marketing Lessons, War Stories, and Hard-Won Advice from the Leading Venture Capitalists and Angel Investors.

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2017-05-28 Retirement Stats For Everyone with Ed Fulbright On Mastering Your Money Radio

Retirement Stats For Everyone

I was surfing the web and found an article on Retirement Stats Every Baby Boomer Should Know:
http://www.foxbusiness.com/markets/2017/03/28/10-retirement-stats-every-baby-boomer-should-know.html 

A lot of baby boomer are worried about retirement.   If you are worried about your retirement, you are not alone.  A large number of workers nearing the end of their careers are learning the hard way that retirement is expensive and that most older Americans simply aren't prepared. If you're thinking of retiring in the not-so-distant future, we will discuss some stats you should be aware of.

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Confronted By Major Political Crisis

Confronted By Major Political Crisis, The U.S. Financial System Barely Blinked

In a week in which American democracy confronted a major political crisis, the stock market barely blinked.

The Justice Department appointed a special counsel to investigate ties between President Trump’s campaign and Russia, and troubling leaks sprang from the White House at a breathtaking pace.

Yet the value of America’s largest companies barely budged.

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Despite The Circus In Washington

Despite The Circus In Washington, Stay Focused On Economic Fundamentals

The circus in Washington is an incredible distraction, but the fundamental economics driving American wealth continue to show considerable strength.

The sideshow does make it hard to stay focused on what’s really important.

But even the National Federation of Independent Businesses was distracted by the sideshow in reporting the news.

NFIB’s monthly press release about the Optimism Index focused on the recent drop in optimism and the sideshow in Washington, rather than the more important news from a long-term perspective: that the level of optimism among business owners has been this high only twice since 1975.

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Trump Victory On Health Care

Trump Victory On Health Care And Strong Economic Data Push Stocks To New All-Time High

President Donald Trump enjoyed a major legislative victory on May 4th, when the House of Representatives passed a bill to repeal and replace Obamacare. If the Senate and the House can reconcile their differences over the legislation, the savings on health care spending will pave the way for a major tax cut, stimulating the economy.

The drama in Washington, D.C. has dominated the headlines, stealing the spotlight from recently released data signaling that the economy is surprisingly strong.

The U.S. economy created 211,000 new jobs in April and the official unemployment rate dipped to a 10-year low of 4.4%.

Unemployment has not dipped below 4.4% since 2001.

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2017-05-14 Millennials and Money with Beth Kobliner & Ed Fulbright On Mastering Your Money Radio

Beth Kobliner 

Millennials and Money

People in their twenties or thirties are a generation that came of age in the wake of the worst economic crisis since the Great Depression. Today’s twenty- and thirty-somethings owe record levels of student loan debt. They face sky-high rents, strict mortgage lending standards, and stagnating wages. Tackling game-changing developments ranging from robo-advisors to the gig economy, can be difficult for millennials and to adopt healthy financial habits for the rest of their lives. We will give you strategies for building wealth and lower debt.


Joining us for our discussion on Millennials and Money?  is Beth Kobliner who is calling in from her  New York City office.  One of the nation’s leading authorities on personal finance for young people and young adults, Beth Kobliner is an advocate, commentator and journalist, and author of the New York Times bestsellers Get a Financial Life: Personal Finance in Your Twenties and Thirties and Make Your Kid a Money Genius (Even If You’re Not!), a guide for parents looking to teach kids money basics, published by Simon & Schuster in February 2017. Her latest book is Get A Financial Life: Personal Finance in Your Twenties and Thirties.

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Fulbright Financial Consulting, PA Of Durham, NC On On The Hunt For Answers About The Future

On The Hunt For Answers About The Future Of The Economy And Stocks

While this is the time of the year to hunt for Easter eggs, economists are busy searching for where economic growth landed in the first quarter.

Their answers are all over the place!

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Fulbright Financial Consulting, PA On Yet Another Strong Quarter, But Stay Focused

Yet Another Strong Quarter, But Stay Focused Beyond The Horizon

In the first quarter of 2017, stocks posted a total return of 6.1%.

That followed a return of 3.8% in the fourth quarter of 2016, 3.9% in the third-quarter and 2.5% in the quarter before that.

For the 12 months ended March 31, the total return on blue-chip companies in the Standard & Poor’s 500 index – if you include the reinvestment of dividends – was 17.2%! What a great run.

For months, politics has captivated the nation but, at the same time, better than expected economic data streaming in month after month propelled stock prices higher.

The nation’s largest publicly-held companies recovered from a 2016 profit collapse in energy and mining and, after the November 8 presidential elections, expectations of a major tax cut under President Trump catapulted share prices to new all-time highs.

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Fulbright Financial Consulting, PA Of Durham, NC On Expectations Are Moderating, But The Economy Is Doing Fine

Expectations Are Moderating, But The Economy Is Doing Fine

Month after month in late 2016, the economy kept surprising investors on the upside. All the economic data for months was better than expected.

For months, Citigroup’s Economic Surprise Index, which measures how often economic news is better than expected, soared — until early 2017. Suddenly, it plunged. Good economic surprises stopped coming in.

On Thursday and Friday, Financial Times and then The Wall Street Journal published reports suggesting investors were facing a new landscape.

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Fulbright Financial Consulting, PA Of Durham, NC On Why Weaker GDP Is Being Greeted With A Yawn

Why Weaker GDP Is Being Greeted With A Yawn

The nation’s economy grew just 0.7% last quarter, less than what was expected and the slowest rate in three years, but it was greeted with a collective yawn by investors. Why?

The main reason is that a slow growth rate for the quarter was expected.

Earlier this month, economists at the Atlanta Federal Reserve had projected a growth rate of just four-tenths of 1%.

In addition, a big pick up is expected for the next three quarters of 2017.

The 61 economists surveyed in early April by The Wall Street Journal expected quarterly growth to average 2.6% for the three remaining quarters of 2017.

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2017-04-23 Online Identity With Grant Leboff & Ed Fulbright On Mastering Your Money Radio

Grant Leboff 

Online Identity 

For a company to be attractive to an audience, it needs have a strong, clear presence online, whether it’s on a website, blog, or social media. With most of the buying journey taking place online, people need to get a crystalline, relatable sense of just what your business is about.   The digital media transformation has changed everything for businesses — including sales and marketing, and the old methods won’t work. When anyone and everyone has access to media channels, a compelling online identity is the only way to ensure your company doesn’t disappear into the din of information overload.

Joining us for our discussion on Online Identity is Grant Leboff  who is calling in from his London England office. Grant Leboff is a leading expert on digital marketing. Based in the UK, he is the founder of Sticky Marketing Club Ltd., a strategic global consultancy that is transforming how we sell in the digital environment. His approach is that traditional Sales & Marketing doesn't apply in a world that has radically changed, and it has transformed selling success for his clients and followers. An in-demand speaker and thought leader, he is a Fellow of both The Institute of Direct and Digital Marketing and The Institute of Sales and Marketing Management. He is regularly featured in numerous publications and broadcasts, including The Financial Times and BBC Radio. His latest book is Digital Selling: How To Use Social Media and the Web to Generate Leads and Sell More.

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2017-04-16 Is Your Business Walking Dead With Julia Lellis & Ed Fulbright On Mastering Your Money Radio

Julia Lellis 

Is Your Business Walking Dead?

We’ve all had days when we feel like we’re walking around in a fog, like a zombie. But what about your business? Zombies are confused, haphazard and indistinguishable. Businesses act like zombies when empty communications alienate customers, supporters and partners. “Use your marketing to champion values instead of sell products,” said Jonathan Craig, chief marketing officer of Charles Schwab.  

Joining us for our discussion on Is Your Business Walking Dead? is Julia Lellis  who is calling in from her  Elon, NC office.  Dr. Julie C. Lellis, Phd is an associate professor and associate department chair in the School of Communications at Elon University, where she teaches in areas such as strategic writing and health communication. She has authored numerous articles and book chapters on identity and related topics, including advocacy and strategic communications. She is contributing writer for PR News. As a consultant, Lellis works with clients on identity development and communication strategy Her latest book is THE ZOMBIE BUSINESS CURE: How to Refocus Your Company’s Identity for More Authentic Communication.

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2017-04-09 Retirement Myths With Ed Fulbright On Mastering Your Money Radio

Retirement Myths 

I was surfing the web and found an article on Retirement Saving Lies from Cheapsheet.com http://www.cheatsheet.com/money-career/saving-for-retirement-lies.html/?a=viewall
Saving for retirement can be challenging. You need to be disciplined and focused on the future if you hope to save enough money to see you through your golden years. You also need to be able to separate the truths about retirement saving from the lies.

Evidence suggests Americans are failing on all of the above counts. The average American family has just $5,000 set aside for retirement, and 43% of working-age Americans don’t have any retirement savings, according to an analysis by the Economic Policy Institute. Seventy percent of families have less than $50,000 in their 401(k). And lest you think younger workers with little in savings are skewing the numbers, consider this: Among households with members approaching retirement, the median savings balance is just $17,000. That’s hardly enough to buy a used car, let alone funding decades long retirement.


Why aren’t Americans saving more? Many just don’t have the money. But a confusing retirement landscape doesn’t help either. People aren’t clear on how much they need to save, what they should do with the money they set aside, and how long they can expect to live once they stop working. Rather than carefully planning for the future, they make decisions almost at random, sometimes relying on myths, misinformation, and outright lies. Swallowing those retirement whoppers hook, line, and sinker can cause people to make critical errors today that jeopardize their financial security down the road

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2017-04-02 Learning From Others With Melinda Emerson & Ed Fulbright On Mastering Your Money Radio

Melinda Emerson 

Learning From Others

When you are thinking about starting a business, you  will find that is better to learn from other peoples experiences.  Why should you learn from others mistakes?  It is a lot cheaper.  Let’s face it folks, most of us don’t have an unlimited pocketbook.  Mistakes increases your cost of  education and eats up your business capital.  Avoiding other peoples mistakes can allow you to manage on less capital but every business owner makes mistakes.  One of my first lessons in business is Cash is King and Don’t owe payroll taxes.  Stay tune


Joining us for our discussion on  Learning From Others is Melinda Emerson who is on the phone from her Philadelphia office . Melinda Emerson, Smallbizlady, is one of America’s leading small business experts. She is an author, speaker and small business coach whose areas of expertise include small business start-up, business development and social media marketing. As CEO of MFE Consulting LLC, Melinda develops audio, video and written content to fulfill her mission to end small business failure.    Her latest book is Become Your Own Boss In Twelve Months

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2017-03-26 Performing Under Pressure With Rick Peterson & Ed Fulbright On Mastering Your Money Radio

Rick Peterson 

Performing Under Pressure 

Everyday, in every moment, we can choose what to think. That choice will effect how we feel, act, and the results we reap. In pivotal moments we can consciously re-frame to see and act on an opportunity, whether it's a business deal or the razor's edge of a Major League pennant game. Re-framing teaches us how to retrain our brain to overcome our most primal fears. In this hyper competitive world, from sports to life to work, the technique can work for everyone.

Joining us for our discussion on Performing Under Pressure is Rick Peterson who is calling in from his office. Rick Peterson has coached some of baseball’s best pitchers in the past twenty years, including Cy Young Award winners and Hall of Famers. He was the Oakland Athletics’ pitching coach during the famed Moneyball era and has served as a coach with the New York Mets, Chicago White Sox, Pittsburgh Pirates, and Milwaukee Brewers. He is currently director of pitching development with the Baltimore Orioles. He holds a combined degree in psychology and art. He and Judd Hoekstra are the authors of Crunch Time: How To Be Your Best When It Matters Most.

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2017-03-19 Stress In The Workplace With Andrew Faas & Ed Fulbright On Mastering Your Money Radio

Andrew Faas

Can we really afford the price of unnecessary workplace stress? According to a 2015 Harvard University study published in the journal Management Science, more than 120,000 deaths a year may be due to stress at work resulting in approximately 5-8 percent of annual healthcare costs.   The desperate need to create psychologically healthy workplaces has come to the attention of major educational institutions including Yale University.  The Yale Center for Emotional Intelligence is mounting one of the most comprehensive studies on the effect of emotions at work.


Joining us for our discussion on Stress In The Workplace is Andrew Faas  who is calling in from his office. Andrew Faas is a management adviser who focuses on organizational transformations. He is a former senior executive with Loblaw companies limited and shoppers drug mart, Canada's largest retailers and now heads the Faas Foundation which focuses on health care, education and medical research.  His latest book is “FROM BULLY TO BULL’S-EYE: Move Your Organization Out of the Line of Fire ”


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