The Big Idea

Mike Anderson, Quick 5 Minute Update. How have interest rates changed in past 1-2 years? What impact are we seeing in home prices and real estate in Ventura County? Are there good products for investments becoming available again because of these higher rates? Learn more from Michael Anderson as he shares insight on this podcst. Learn more online visit maranantha.com  or email Michael@maranantha.com  You can book a free 15-minute call on our website. 

3 Money Lessons for High School Seniors Why do we want what we want?  Why do we spend our money on stuff?   How important is Credit and having a credit card? Knowing the Rules of the Game. (with credit & all financial decisions) Why is real estate an attractive option?  (Appreciation, Inflation with rents, interest rates, paying the loan down over time) What is a CYCLE in real estate? What does it look like?

Validation: Can I Retire?  A few notes & thoughts about navigating money choices and life events.  The validation of trying to justify the retirement decision... How does one answer the question of "Can I Retire?"   I'm not going to attempt to answer the question but I think it's a fair one to ponder and I discuss a little about the process.   Additionally, we discuss divorce, income for retirement, starting out as the young & penniless, fighting for every dollar and more.  The theme, it's always best to seek some guidance when making money decisions.

Solo-Chat, June is here. Betterment, Camping & Stuff June is here. Summer is here. This episode is a solo-chat with Mike. He just hits the record button & goes for 15 minutes...

Chances are you've never been on a fishing trip with a guide, you'll like this podcast and you'll love Fred, he's an A+ guy & guide.

Quick Chat and a few notes about podcasting There have been a few gaps in the podcast over the past 2 months. Over the past year many of us have taken on a few new hobbies...

This same reasoning can be used with your financial situation, today's show is "How Dry is Your Financial Cake?" We also ask the question, "Is Dave Ramsey Out of Touch?"

FOMO, FACTS and GAMESTOP  GameStop and that strategy... A few fun facts and a practical approach to long-term growth with your money. Did you have any "Fear of Missing Out" with $GME? Have you ever considered how the emotions and psychology of investing plays a roll with investing? How much did the $GME trade rely on fundamentals? Learn more online search for Ventura County. Email Questions or comments to: Michael@maranantha.com

Michael Anderson, Wealth Planning Interest Rates Home Prices Retirement taxes with IRA's and distributions along with Roth Conversions. Connect, ask a question or listen to previous episodes please check out Maranantha.com

An annuity is a product that a lot of people don't really like to hear about. And if you don't have one, you probably won't get one. But if you do have one, um, You were probably sold one and you're wondering if it's a good product or not.

On this week's episode, Mike explores the difficult conversation of death and personal finance.

In this episode, Mike shares a personal money story and what motivates him as a Financial Planner.

On this episode, Mike shares 4 Quick Money Lessons to improve your personal finances. Listen here to learn more.

Investment Management. Are you familiar with the “barbell strategy”? When you think about how you're investing your money, maybe you have a 401k, an IRA, a retirement funds or investment account. How do you decide how much money is in cash or how much money is in something else, like stocks or in bonds?  The Cost of Investment Management We want to keep your expenses low. This includes the internal cost. We can help make sure that the internal costs of what we're doing are low, so we're not missing out on performance with various fees. As far as turnover, generating high taxes also eats away at your performance. So, there are a number of things to think about when it comes to investing. One approach is the idea of looking at the whole market and saying, “Let's diversify”, and be invested in the broader market. Within that, there are some areas  where we can target a higher expected return with some sectors, countries or companies. Within these we want to have overweight.  Stocks With stocks, it's important to know the company size, what's the relative price that it's currently being offered at and how's their profitability. These are the dimensions of expected returns and we can look to those three areas to understand stocks.  Bonds With bonds, we look at the maturity of the bond, and when we are going to get our money back, the credit quality of the bond, and it's currency. These are the dimensions of expected return. If it's a, not a domestic bond, but rather an international bond or an emerging market bond, sometimes you have to be sensitive to the currency it's in.  The Barbell Strategy I think it's so important to have what I'll call the barbell strategy, sometimes called the dumbbell strategy. The barbell strategy attempts to answer these questions:  What if their market returns to new all time highs in the stock market? Are you positioned to participate in that stock market run?  If it goes to all time new, all time highs. The other question people think about it. What if there's a decline from where we are today of 50% in the stock market from where we are right now. Are you positioned okay for that event?   Personal finance is more personal than financial. It's important to know where you are at, and to understand what money you need right now, for the next three months, six months, year, two years, and so on. You'll find a comfort level with saying, “I need X dollars to be comfortable in my life” or having an emergency fund in your savings account.  Long Term Investing What should I be doing with this additional money that I have?  That's when you can have a long term approach with your money and can invest it into the market, while being sensitive to the company size, relative price and profitability. We can invest it, and if the market does return to new all time highs, you will be positioned well with that money, if you're hedged you're in a good position.  I like the barbell strategy, and I'd be happy to discuss this with you for your specific situation. We can have a free 15 minute call, you just click the Start Here button at Maranantha.com. Music by Jay Man | OurMusicBox Website: www.our-music-box.com YouTube: www.youtube.com/c/ourmusicbox

Here's an idea to consider right now, get as much money as possible into Roth IRA accounts! Taxes are low, and doing these Roth Conversions be very beneficial when taxes go UP. Listen here to learn more.

Here are 10 questions for you, would you care to share a story about money? Answer one or more of these questions in the comments (or click the link & record a voice mail to me.)

Introducing Rachel Graves, Maranantha Financial's Operations Director II and Client Support Manager.

Why You Shouldn't Invest the Money You're Saving to Buy a House

What type of investments should I make?

Should I focus on retirement OR buy my first home?

Learn more about the peace corps experience, we talk with Ryanne Bamieh, she served in Comoros for the peace corps.

Life after quarantine? How is it going to look...

Wine, Trader Joe's & Local Breweries with Nick Mehle. Have you ever heard of a hustle buy? He shares some things you probably didn't know about Trader Joe's wine selection.

Millions are out of work, there are some jobs to be had out there that might fit for some. Our intern put together a list of a few ideas.

Where do I file for Unemployment? What is door-dash & uber-eats? Learn a few tips as we discuss these in a short podcast.

Learn more about the Small Business Relief Programs - SBA.gov & home.treasury.gov

Do I have to pay my April 1st mortgage payment?? What is it that I have to do to get help with paying my mortgage April 2020? What is forbearance? How do I apply for this help with my mortgage bill?

Learn more about kidSTREAM, Ventura County's kid's museum.

Four problems a financial advisor helps to solve. Learn more in this 5 minute podcast.

We all have a story when it come to money and relationships. Our views, values and perspectives are not always in-line with our partners... This week, we highlight a few stories.

Michael Anderson, Certified Financial Planner What are the 12 Unifying Principles of Personal Finance? How can couples work better by looking at their finances with the same filter? Fun banter with Tom Spence in the lunchroom. Learn more online at maranantha.com

Being Happier - 4 life hacks We pulled this article from the internet, hope you enjoy it. #1 Negative visualization #2 As If #3 Fake that smile. Stay calm. You'll feel better faster. #4 Forgive & carry on. Learn more online at collectingwisdom.com

First in family to go to College, AVID.  AVID is a program to help kids 6th-12th grade with college readiness. Why is having some help or guidance so important with college? You can lead a horse to water but you can't make it drink... it's similar with education but they kids are thirsty. Learn more online search for AVID programs in a school district near  you. 

Learn more about Ventura County in the state of region report from Ventura County Civic Alliance.

Alon Goren, Goren Holm Ventures (GHV) What is bitcoin?  Why special?  Why important to average people. Blockchain?  Why special?  Why important to average people. An industry in its infancy with little to no advantage to anyone based on school, geography, socioeconomic status, etc., Where can people go to learn more? What event is coming up??? CIS.LA -  October 15-16 at LA convention Center Alon is a Founding Partner of Goren Holm Ventures (GHV), a Venture Studio that incubates and accelerates blockchain startups. Alon is also Co-Founder of CIS, the world's largest investment focused blockchain conference. He is an investor, speaker, host and leader of one of Southern California's largest group of investors and entrepreneurs, 805 Startups, with a laser-focussed eye on building and supporting startups and entrepreneurs. A pioneer in the crowdfunding space, Alon had been involved in over $200 Million Dollars in online investment transactions. He has developed technology that powers websites and financial transactions for Fortune 500 companies and well-known foundations such as Coca-Cola, American Express, ATB Financial and Global Philanthropy Group. InvestedIn, Alon's previous company, created a white label fundraising portal for individuals and businesses hoping to crowdfund ventures independently of major platforms. Later, his support of the JOBS Act, online media expertise and day-to-day interactions with venture funds, investors and financial professionals inspired him to create a solution to market hedge funds, real estate funds and venture funds to investors over the internet. Before InvestedIn, Alon worked for entertainment tech giants such as Amazon, IMDb and MySpace where he managed customer experience, product development and support. InvestedIn was named “Best Marketplace Platform” by the Los Angeles Venture Association in 2013 and he was named to the Socaltech 50 for his work with InvestedIn. Alon is a thought leader on social enterprise, venture capital and crowdfunding, and has spoken at SXSW V2V, Kingonomics and many other conferences and been featured in prominent publications including Forbes, WSJ, Washington Post, TechCrunch and VentureBeat.

Alok Deshpande, SmartPath CEO What is the difference between financial coaching and financial advisors?  How do you work with people to make better financial decisions? What are some positive outcomes you see after people use SmartPath? How affordable is financial coaching and what does the process look like? Learn more online search joinsmartpath.com 

Brick Conners, Author of Fighter Pilot Parent How do you train kids for high threat, high complexity situations?  What is the difference between controlled failure and a no-threat environment?  Kids can be great leaders! Kids will often ask the right questions. The Trust Competencies and why they are important.  There are no atheists in the cockpit.   Continuum of Leadership - leading. learning. teaching. following. Learn more online at pharoslead.com

Marni Brook, Women's Economic Ventures How does WEV help women and men with success in business?  What is the training, coaching and capitalization that WEV offers? What programs are available for people with an idea? Learn more online: WEVOnline.org 

 Ventura Lant Trust  Exciting news for Ventura County, there is a new access to open space coming soon, Harmon Canyon in West Ventura County is in escrow.   The Ventura Land Trust is preserving land and opening up access to enjoy the natural assets we have in Ventura County. On August 17th we have the Wild & Scenic Film Festival in Ventura from 5pm-8pm. Check out the environmental speaker series and sunset 5k run/walk coming soon with Ventura Land Trust. Learn more online search for venturalandtrust.org/

The Mayor of Ventura, Matt LaVere is our feature interview. He shares information about business, housing, budget issues, SOAR, tourism, water and the future of Ventura.

4th of July week, Tom Spence and Mike Anderson What are your favorite songs that celebrate 4th of July?  What are your favorite scenes from movies that portray 4th of July?  Conversation about how thankful we are to live in USA.  More episodes on podcast platforms and every Sunday on KVTA AM 1590 in Ventura, CA.

Lacey Langford, The Military Money Show What are some differences with money between military life and civilian life?  What is important to you about serving the military population? How does life insurance come into play with families in the military? What are some common financial planning issues veterans and military families should be aware of? Learn more online search for Lacey Langford

Clyde Reynolds - Types of MENTAL ILLNESS What do we need to know about various types of mental illness? Is there a stigma with getting diagnosed or taking medication, how do we normalize this conversation? Where can people go for more information, insight or help?    1 in 5 people in the US have some type of mental illness yet 56% go untreated. Learn more online at https://nami.org/

Special Fatherhood Program,  What are the memories you have of your childhood and spending time with your Dad?  What does it mean to be a father/dad?  How does being a Dad impact your life?    What are the top 5 rated gifts for Dad this Father's Day? Michael Anderson & Tom Spence talk about all things related to Dads & Fatherhood in this episode.

Generation Z, Fun stats about 2019 Grads Generation Z, born between 1995-2012.  Ever since they were born, the internet has been here and growing, they have grown up with technology.  What does the next 50 years of work hold for Generation Z?  Currently they are the largest population demographically, taking up 26% of the world population. 20 Years ago Buzz Leherman gave a commencement speech, it's still appropriate today. Please enjoy this 26 minute podcast, Tom Spence and Michael Anderson review Generation Z stats and we hear that 1999 Buzz Lehrman commencement speech set to music, "Wear Sunscreen".

Tim Lohman, Ventura County Sheriff's Office What is going on with the phone scam calls?  How can we stay safe, what are practical tools? What is happening with email scams right now? Where do we report these scams and other issues? Learn more online: https://www.venturasheriff.org/

Connie Albers, Author of Parenting Beyond the Rules  How can parents be more prepared for teenage years? What should parents expect going into young adulthood? Is parenting today different than parenting 30 years ago? What ways can we embrace technology to be solid parents? Learn more online at conniealbers.com

Banks Pecht, How does asking the right questions improve performance? Can high performing people achieve more happiness and success, how is this done? What is coaching and how is it different from therapy? Does coaching help with job search? What is the difference between facts and feelings? Why does this matter? Learn more online visit bankscoaching.com

Dr JM Perry, Relationships & Performance Embracing the obvious, why is this often so difficult. Learn more online JmPerry.com

Tom Spence & Michael Anderson on Radio & Podcast How do you keep your home secure?   Security back in the good ole' days used to be very different than today. Higher education has been a focus... what's next in this conversation? Gas Prices are outrageous, how can we understand the variations in gas prices? Avocados are grown in Southern California but why do they cost so much? Spring cleaning is here, what does that mean for you?

Michael Anderson, Certified Financial Planner in Ventura, CA What are the money questions that everyone should get answered?  What does Tony Robbins have to say about money and finding a financial advisor?  There are 5,000 fiduciary RIA financial advisors in the USA.  Where do we find them napfa.org  Learn more online go to Maranantha.com