On Time On Target

In this video, Steve interviews Matthew Torres, an investor, entrepreneur and also Junior at Round Rock High School. Matthew is mature beyond his years and offers advice on how there's "always time" for things you prioritize, how to start a business with no money down and how to balance his investing and his businesses with his school work. It was a treat to interview Matthew! Show notes: https://gumroad.com/l/realshort https://gumroad.com/l/tradingsuccess IG: @frriio matthewstocktrader@gmail.com

Receiving an unexpected sum of money is a good problem from a financial perspective. But what to do with it needs to be carefully thought through! Listen in for my advice. #investing #inheritedIRA #inheritance www.ototnow.com

Palantir (PLTR) and Asana (ASAN) both started trading today.  In this episode, Steve takes a deeper look at the "Data is the New Oil" investment thesis and talks about the transition from reliance on oil to electric vehicles to the current dependence on data.  Listen in to learn how to invest in this wave! #otot #palantir #osana ototnow.com

In this episode, Steve explains how you can figure out if you are on track for retirement. Everyone's scenario is different, but Steve describes how you can take your exact situation and figure out if you are "on time on target!" #otot ototnow.com

In this episode, Steve breaks down the recent selloff in the stock market as it relates to the US election in November.  There is a slide deck that goes with this audio that can be found at the On Time On Target YouTube channel: https://youtu.be/RodJy8RmwTw

In this episode, Steve explains the difference between debt and leverage.  This answer speaks directly to the question Steve commonly gets "Should I put more money into my house or the market." Once you understand the difference, then you'll know which move is best for you. #otot ototnow.com

In this episode, Steve describes how investors can invest in Initial Public Offerings (IPOs).  Steve explains how to apply for shares and what to do if you do not get them, using the Facebook IPO as an example.

In this episode, Steve explains the implications of companies that choose to issue more stock to their existing share count.  Also, he discusses how stock buybacks do the same thing in reverse.  Listen in to discover how this affects you when these actions occur. #otot ototnow.com

In this episode, Steve clears up some common misconceptions about putting money into and pulling money out of your brokerage accounts. You can even use a debit card against your taxable account as well as write checks from your account, all for free of course.  Reach out to steve@ototnow.com for more info. #otot

In this episode, Steve explains why and how to invest in a 529 college savings plan.  The 529 plan offers higher limits than the Coverdell ESA, so it is generally the preferred method of saving for college. Steve also explains super-funding the 529 and building a dynasty 529. #otot ototnow.com

In this episode, Steve explains both the advantages and disadvantages of using a Coverdell Education Savings Account to save and invest for college.  The next episode will cover 529 plans. #otot ototnow.com

In this episode, Steve explains the various scenarios in which you should sell some or all of your position in a stock.  While there is only one reason to buy--to make money--there are several reasons to sell.  Listen in to find out! #otot ototnow.com

In this episode, Steve shows you how you can invest in real estate in your IRA or brokerage account. He presents two options for your consideration--real estate investment trusts and self-directed IRAs.  These investments can be a lot more hands off than the hassles of physical real estate. #otot ototnow.com

Bitcoin is here to stay. I've been dismissive of it as an investment, but now that it's been around for years, I have to give it another look.  I'm honored to host my expert guest, Mike Pozmantier, as he takes us through a comprehensive journey of Bitcoin from its earliest days to where it is leading us in the future.  His critical expertise in cybersecurity and digital currencies provides insight as to the investment aspect of Bitcoin. We talk about Web 3.0, blockchain, distributed ledgers, the dark web and pretty much everything else.  Enjoy!!!

In this episode, Steve explains the difference between trading and investing. These are two very different objectives, so be sure to listen in and to keep your risk levels on target! #otot ototnow.com

In this episode, Steve explains the process of rolling over a 401k/TSP into your individual retirement accounts (IRAs). With many steps, this can become quite tricky, so be sure to listen in! #otot ototnow.com

Entrepreneurs! Retirement accounts such as 401Ks are vital to saving for retirement, but what can you do if you are self-employed? In this episode, Steve explains how to set up and fund a Simplified Employee Pension (SEP) IRA, which small business owners can use to fund their retirements. This process can be tricky, so be sure to listen in! #otot ototnow.com

With interest rates at their lowest point in recent years, many homeowners are looking into refinancing their home. In this episode, Steve explains the major factors that affect whether or not a refinance is good for the homeowner, so be sure to listen in! #otot ototnow.com

I'll trade you a $20 bill for four $5 bills!  In this episode, Steve explains how a stock split is nothing more than an accounting change, which consequently is often good for a stock in the long term. While not overly confusing, stock splits have many common misconceptions, so make sure to tune in to keep your knowledge of stock splits on target! #otot ototnow.com

Speculative investing can be fun and lucrative, or it can be disastrous if you don't do it correctly. In this episode, Steve explains the role of speculative positions in your portfolio and how to add them. Since these positions have a high degree of risk, make sure to tune in to ensure you're keeping your money on target! #otot ototnow.com

In this episode, Steve explains five simple steps to research individual stock names and then discusses how to analyze both fundamental and technical indicators in making your selection. Last, Steve talks to determining your entry price. Listen in to make your analysis more effective!  #otot ototnow.com

In this episode, Steve explains the options you have for your employer savings plans once you stop working for a company. Rolling over a 401K, 403B, or TSP can be tricky, so make sure to listen in! #otot ototnow.com

In this episode, Steve answers whether or not to hold gold in your portfolio. Typically, there are three schools of thought on gold--never own it, always own it, or trade it. With markets heading into a contentious election soon, should you include gold in your portfolio? Listen to find out! #otot ototnow.com

In this episode, Steve details the advantages that current and former military members have as far as retirement. He details the retirement, health care and insurance opportunities. Also, Steve provides four resources for veterans looking for more information. #otot #veterans ototnow.com

CAUTION: Bond math causes headaches! With the election approaching, you might consider adding or increasing exposure to bonds in your portfolio. This episode explains the basics of a bond ladder, how bond ladders work, and why bond prices don't matter as much as bond values. #otot #bonds #bondladder ototnow.com

In this video, Steve teaches parents how to introduce investing to their kids as well as help their kids form their own relationship with money. Also, Steve details how to get your children set up with custodial accounts and how to get then started on their IRAs once they have earned income.

Listen to Steve's interview by Mike Armstrong, The Wolf of Wales!  Mike and Steve talk about the importance of small business owners and entrepreneurs to be able to pivot under unpredictable events like the lockdown caused by COVID-19.

Want to be part of an investment forum where you can bounce your ideas off of a professional investor! Thats exactly what Steve offers in his daily "Morning Brief!" Join Steve in this webinar format Zoom call for FREE for the rest of July! Listen to the end for the Webinar ID and Password! More information available at ototnow.com. #otot #morningbrief #steveankerstar

In this episode, Steve explains that earnings reports are comprised of two backward looking components--revenue and earnings--as well as two forward-looking components--forward guidance and the conference call. The stock price can move significantly up or down based on this report. 

In this episode, Steve walks you through the difference between money and wealth. Everyone has a different relationship with money and finances are the leading cause of stress in a marriage largely due to one spouse having a different relationship with money than the other spouse. Follow along to better understand your own relationship with money to reduce stress in your life. 

US China Tensions Escalate! US China tensions are back in the news after China kicked the US consulate out of Chengdu last night. Here's how that event is affecting the markets.

In this episode, Steve is interviewed by Danielle Rocco, host of the daily "Dose of did you know?" show. Steve answers questions about goal achievement and keys to success in both life and love.

How do you handle a downturn in the financial markets? Watching more "financial news" or checking your portfolio several times a day can stress you out! And most people are not equipped to make good decisions when they are stressed. Just imagine what flying on an airline would be like if they ran 24/7 flight safety TV during the flight with real-time "analysis" of your flight and all of the things that could happen. Don't fall for the sensationalism of the news. Have a plan and execute the plan.

I'm both honored and humbled to be interviewed today on Wealth Talk New Zealand! Thank you John, Simon, and Alistair for having me. Listen in if you want to hear more about Wealth Talk and listen to the interview. Enjoy! #otot ototnow.com

In this episode, Steve explains how markets need to go down on occasion too. And when they do, it could be reversion to the mean, a correction or even a bear market. But when they do, investors need to keep the big picture in mind and not get caught up in the emotion of the situation. Steve closes by explaining that there are only two places to get off a roller coaster. Listen in to find out!

In this episode, Steve explains how markets go up over time from DOW 100 to DOW 25,000! He explains that investing is not a zero sum game and that diversified investors make money over time. The stock market is a survival of the fittest competition on a grand scale--either provide goods and services that people need or you won't be around long. And once reason America is so great is that when a business goes under, the workers can immediately pivot to something else and can begin to add value to another business or create value by starting their own.

In this episode, Steve brings together several concepts to show you how to create your own pension. Traditional pensions become more rare each day leaving individuals to fend for themselves in navigating their way to a successful retirement. Steve tells you what you must do at each step along the way to create your own pension from your portfolio. He also discusses the pros and cons of annuities. 

In this episode, Steve explains how to sell covered calls to generate additional income when using a dividend growth investing to achieve your financial goals! #otot ototnow.com

In this episode, Steve explains how to use dividend growth investing to achieve your financial goals. Listen in to figure out how to use this strategy!

***We know there were issues with Facebook Live, but this recording has all of the guests loud and clear!***. Come join us to listen about the release of the OTOT Financial Thought Leadership Series of Podcasts. With 11 guests, we go through and provide snippets of real-time interviews which give insight into each person's episode!

Ms. Brittney Nelson was born in Michigan, living her childhood years out there until she moved to Georgia for college. There, Ms. Nelson attended Georgia Southern University and Valdosta State University, playing Division 1 Basketball for 2 and a half years. After gaining both a bachelors and masters in teaching subjects, Ms. Nelson now teaches and coaches at Round Rock High School, setting time aside for her entrepreneurial venture, Prüvit.

Scott Schneidermann is the President & CEO of Frontier Bank headquartered in Sioux Falls, SD, where he leads a community banking company with 40+ employees and $235 million in assets. He is also responsible for managing the bank's fixed income investment portfolio.Scott is a graduate of the American Bankers Association's Stonier Graduate School of Banking and the University of Pennsylvania, holds a B.B.A in Finance and a B.A. in German Language & Literature from Iowa State University and is a proud alum of Central Lyon High School in Rock Rapids, IA.Scott enjoys flying as a private pilot, golfing, traveling and spending time with his wife and two daughters.

Burke Speed is a 1992 graduate of Mississippi State University. After graduating from MSU he was commissioned into the U.S. Air Force as a Second Lieutenant. He served as an F-16 instructor pilot, flight examiner and a squadron commander during his 26-year career. He is now a retired Colonel with more than 2,900 flying hours, including 101 combat flights. Burke and his wife, Carroll, have been married for over twenty years and have three children.

Matt is a Co-Founder and the Chief Operating Officer of Q1Media, an SMB focused digital media services company with clients across the country. Prior to joining Q1Media, Matt was primarily focused on regional sales for Dell Inc. (now Dell Technologies) and CollegeClub.com, a leading youth-focused web community. Since joining Q1 as a Partner, Matt has helped build and shape the company culture and various lines of business. He has built and managed teams across the company and helped transform the business from a small sales consultancy to a much larger digital media company achieving over $50 Million dollars in revenue. Q1Media has won numerous awards and made many prestigious lists over its 16-year history including the Deloitte 500, Inc 5000 and Forbes Most Promising Companies. The company has also been named one of The Best Companies to Work for In Texas seven times. Matt is a die-hard Spartan fan, having graduated from MSU in 1998, and along with his wife Lisa, is raising three beautiful children in the suburbs of North Austin.

Dani Rocco is a mother, wife & lifelong entrepreneur. Growing up as a professional ballerina developed her commitment and dedication to everything that life has to offer. As an adult her athletic skills transferred and assisted in her becoming a successful business owner. At the age of 18 she started working for her family's gymnastics school and took the company from bankruptcy to financial abundance. The school maxed out its student capacity very quickly. After 23 years of being the CEO, Dani left her family business to follow her passion, as a life coach & relationship expert. She started working with CEO's but soon realized her heart and mission was serving our Military and Veterans. She is now author “Devoted to a Soldier” & co-author with Les Brown “Own Your Dreams” , online Academy “Next Level of You”, TV show host, documentary producer “Devoted to a Soldier”, partner in Join Our Table Movement, Contributing Partner/Official journalist of “The Magazine” and speaker. www.devotedtoasoldier.com

Chick Herbert has 30 years of experience working in the public and private sectors as an executive business leader, keynote speaker, executive coach and independent consultant. Chick is the co-author of the popular book It Begs the Question–Learn how the best managers drive performance through Question-Centric Coaching. Chick is an active community leader and supporter of diversity and inclusion efforts. He served 9-years on the Board of Directors for Special Olympics Iowa where he served as Board Chair and was recognized as the 2014-State of Iowa Volunteer of the Year. Chick lives in West Des Moines, IA with his wife Shari and has three adult sons.

Mr. King grew up in Louisiana, football being a large part of his life throughout his teenage years. He would go on to attend Southern University, later playing two years in the NFL for the Miami Dolphins and Tennessee Titans. He now lives in Hutto, TX with his wife and kids, pursuing his goals of investment.

Dr. Judy Staveley is the CEO of The Platform Magazine, a former professor, author, scientific speaker and an athlete who currently works as a contractor for the military. She serves as a spokeswoman and advocate for STEMM educational research, biological, health, medicine and forensic science organizations. Additionally, as a professional athlete she assists in several community scientific programs. She is part of the USA Swimming, USA hockey, USATF and USAT organizations. Judy was born in San Antonio, Texas and currently resides in Maryland.

Jorge Aldrete graduated from Baylor University in 2000. Jorge has over 17 years of comprehensive mortgage brokering & banking experience. His relentless pursuit of best-in-class service and direct application of his extensive industry knowledge sets him apart from his contemporaries. His work ethic and sense of urgency enable him to consistently provide flawless service and dependability on every transaction. Jorge's passion for the business and competitive spirit pre-dates his exposure to the mortgage industry. He demonstrated his competitiveness as a four year collegiate tennis player, ending his tennis career at Baylor University. His passion, most notably, is dedicated to his wife Jenny and their 3 children Isabella, JD, and Maximo.

Elise is Co-Owner of The Woodhouse Day Spa in Cedar Park,Texas. Graduating from the University of North Texas with a degree in film, her corporate career in Human Resources took a hiatus when she had her first child. The idea of being her own boss and the challenge of business ownership eventually led her to the opportunity of franchise ownership with Woodhouse Day Spas Corporation.

Born and raised in Fort Worth, Texas, James has spent a majority of his 20-year career as an entrepreneur in the digital media and advertising technology industries, leading sales and business development teams for four different companies, including Market Hardware, HomeAdvisor and Q1Media. James most recently founded Inwood Road Films in 2016 with his brother, John, with whom he has invested in and/or produced six independent films, including PLUS ONE, the 2019 Audience Award Winner for Narrative Feature at the Tribeca Film Festival, THE DARK AND THE WICKED from director Bryan Bertino of THE STRANGERS fame, and the upcoming BRICK HOUSE, a documentary about a pro women’s football team in Houston in the 1970’s. When James is not trying to make a movie, he’s biking down the beach, reading a book, immersed in a podcast, movie or tv show or hanging out with friends and family (in a physically distant manner, of course).