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.

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

Jonathan Clements

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.

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

Deborah Owens

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.

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.  

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

William Crowder

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.

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

Greg Williams 

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.

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

Henry Hutcheson 

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.