Podcasts about Bankrate

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Play Episode Listen Later Nov 21, 2025 9:21

The delayed September jobs report was finally released, and it showed better than expected numbers. We break it down with Mark Hamrick, Bankrate senior economic analyst

6A: A Lesson in Law and Economics 11-21-2025

NewsTalk STL

Play Episode Listen Later Nov 21, 2025 45:42

Susie Moore and Billy Crow discuss legalese and local government. Mark Hamrick of Bankrate joins Susie Moore, Billy Crow, and Producer Jerome to talk economics.See omnystudio.com/listener for privacy information.

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The latest jobs report surpassed expectations, but does it matter?

A New Morning

Play Episode Listen Later Nov 21, 2025 6:29

Employers added 119,000 jobs in September, surpassing expectations. Bankrate's Mark Hamrick takes a closer look at the numbers.

news expectations employers jobs report bankrate surpassed mark hamrick

Merrill's Quinlan: Market's 'heck of a ride' will keep going 'up and to the right'

Money Life with Chuck Jaffe

Play Episode Listen Later Nov 18, 2025 59:26

Joe Quinlan, head of market strategy for Merrill Lynch and Bank of America Private Bank, says that the U.S. consumer higher-income households "are in great shape heading into 2026," and so long as the Boomers continue spending, the economy and stock market can roll along. Quinlan says that the economy can avoid a recession if the Federal Reserve can avoid policy mistakes, if the U.S. stays out of a difficult trade war and if the extraneous factors mostly stay at bay. Given what the market has weathered in 2025, Quinlan says there is reason to believe the rally can continue, even if results are muted a bit compared to the equity returns of the last three years. Chris Vermeulen, chief market strategist at The Technical Traders, says that investors should not be fighting current trends, but they should be getting cautious in a market where there's not a lot of upside left this year. He expects January to be a telling month for whether the rally can carry deep into 2026, and says that investors looking for bigger gains can still get in on the gold rally, which Vermeulen says still has 25 to 30 percent upside from current levels. Sandra Block, contributing editor at Kiplinger talks about what she learned about dental care for retirees as she made her own transition toward retirement earlier this year, and the choices consumers face as they weigh Medicare options. And Mark Hamrick discusses a recent BankRate.com survey which found that about half of working American adults expect to be reliant on Social Security benefits to handle necessary expenses when they retire, but more than three-quarters of that working population worries that their promised benefits won't be paid when they reach retirement age.

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Should I Use My Savings to Delay Collecting Social Security?

SML Planning Minute

Play Episode Listen Later Nov 18, 2025 8:21

Should I Use My Savings to Delay Collecting Social Security? Episode 358 – Deciding when to collect Social Security is one of the most important financial decisions you'll ever make. Make a mistake there and you'll pay for it—every month for the rest of your life. But what if you want to retire early? That doesn't mean you also need to collect early. A “bridge” strategy can be an important tool to get you through those years between giving up your job and collecting Social Security. It could make you much better off in the long run. More SML Planning Minute Podcast Episodes Transcript of Podcast Episode 358 Hello, this is Bill Rainaldi, with another edition of Security Mutual's SML Planning Minute. In today's episode, should I use an annuity or my savings to delay collecting Social Security? So, you're getting near that age. You want to retire when you reach age 65 and become eligible for Medicare, and you're almost there. How are you going to finance it? There's no doubt you're going to miss having a steady paycheck. Should you file early for your Social Security benefit? That will replace at least some of your lost paycheck. You'll need to start by taking a look at some numbers. Let's say that, according to your statement from the Social Security Administration, your “Primary Insurance Amount,” or the benefit you would get at Full Retirement Age, which is age 67, is $3,000 per month. But if you collect at 65, you're starting two years early. Your benefit would be permanently reduced to $2,550 before annual cost of living adjustments.[1] It’s the permanent part that causes concern. If you live to age 85, you're giving up $450 per month for the 18 years between 67 and 85. On the other hand, if you were to wait until age 70 to collect, you would get $3,720 per month. You'd have to forego the five years of benefits, but your retirement from age 70 on is likely to be a bit more comfortable. And “longevity risk”—in other words, the possibility of outliving your money—is one of the biggest issues people face in retirement. Waiting until 70 helps minimize it. So, which option is better? It would be an easy choice if you knew exactly how long you're going to live. But of course, none of us do. If you end up dying at age 71, you would have been better off collecting early. If you end up living well into your eighties, you'll have more money overall if you choose to wait. And then there's the issue of the Social Security Trust Funds. They're running out of money, and expected to go bankrupt in the year 2034. But that doesn't mean your payment will disappear. If nothing is done between now and then, all payments will be reduced by approximately 19 percent. [2] This has caused some people to collect early.[3] But there is a reasonable chance that the people in Washington will “fix” Social Security before any payments are reduced.[4] That's what they've always done in past.[5] No guarantees, of course, but it seems highly unlikely politicians will allow benefits to be dramatically reduced. So, getting back to our original issue, what if you've got a good life expectancy? It would probably be best to wait until age 70 to collect, but you're planning on retiring at age 65. How are you going to get by for those five years in between, when you no longer have a paycheck, but haven't started collecting your Social Security? This is where you may want to look at some sort of “bridge” strategy. Mitigating longevity risk is a good reason to implement a bridge strategy, but there's more. According to a recent study, if you have the money to implement a bridge strategy, you can also meaningfully raise your standard of living without increasing your chance of running out of money in retirement.[6] The increased monthly Social Security benefit helps provide a dependable stream of income for the recipient which can allow for greater flexibility with remaining savings and investments. There are several possibilities when it comes to getting through that gap. If you're worried about no longer having a steady paycheck, one popular option is to purchase an annuity to provide you with the income you need to get you from 65 to 70. It can certainly help alleviate your anxiety. A single-premium immediate annuity is something that tends to work well with a Social Security bridge strategy.[7] But you need to shop around. And for the purposes of bridging the gap, you can get an annuity with a specific term. A five-year annuity would work well with the example we are using here. The other main bridging alternative is to use some of your accumulated savings. In a recent study, actuary and retirement specialist Ken Steiner concluded that using accumulated savings for Social Security bridge strategies can work well if: You expect to live longer You have enough assets that you can fund your bridge payments relatively easily You want to bolster what he calls your “floor portfolios,” that is, your less risky investments, and… You have other assets which can be invested in more risky places.[8] In the end, the financial decisions you make in your 60's are likely to have a huge impact on the rest of your life and deciding when to collect Social Security is one of the most important of those decisions. Make a mistake there and you'll pay for it every month for the rest of your life. Like so many other things, deciding when to collect Social Security can be complicated. It's best to have a skilled and trusted professional by your side to help you avoid any pitfalls. Your Security Mutual Life insurance agent can help. Your Security Mutual Life insurance agent will assemble your team and coordinate with your attorney and tax professional to review your situation and to determine the insurance plan that will best suit your needs and objectives. [1] Social Security Administration. “Early or Late Retirement?” SSA.gov. https://www.ssa.gov/oact/quickcalc/early_late.html (accessed October 9, 2025). [2] Social Security Administration. “Social Security Board of Trustees: Projection for Combined Trust Funds One Year Sooner than Last Year.” SSA.gov. https://blog.ssa.gov/social-security-board-of-trustees-projection-for-combined-trust-funds-one-year-sooner-than-last-year/ (accessed October 9, 2025). [3] Steiner, Ken. “Should Your Clients Use Savings to Defer Social Security?” Advisorperspectives.com. https://www.advisorperspectives.com/articles/2025/08/19/should-clients-use-savings-defer-social-security? (accessed October 8, 2025). [4] Horsley, Scott. “Social Security benefits face big cuts in 2033, unless Congress acts.” NPR.org. https://www.npr.org/2025/06/18/nx-s1-5436828/social-security-benefits-cut-congress (accessed October 9, 2025). [5] Social Security Administration. “SUMMARY of P.L. 98-21, (H.R. 1900) Social Security Amendments of 1983-Signed on April 20, 1983.” SSA.gov. https://www.ssa.gov/history/1983amend.html (accessed October 9, 2025). [6] Manganaro, John. “This Social Security Strategy Gives Retirees More to Spend.” ThinkAdvisor.com. https://www.thinkadvisor.com/2025/09/03/this-social-security-claiming-strategy-reliably-lifts-retirement-income/ (accessed October 8, 2025). [7] Christian, Rachel. “How an annuity can help you delay Social Security and retire early.” Bankrate.com. https://www.bankrate.com/retirement/bridging-the-gap-to-social-security-with-an-annuity/ (accessed October 8, 2025). [8] Steiner, Ken. “Should Your Clients Use Savings to Defer Social Security?” Advisorperspectives.com. https://www.advisorperspectives.com/articles/2025/08/19/should-clients-use-savings-defer-social-security? (accessed October 8, 2025). More SML Planning Minute Podcast Episodes This podcast is brought to you by Security Mutual Life Insurance Company of New York, The Company That Cares®. The content provided is intended for educational and informational purposes only. Information is provided in good faith. However, the Company makes no representation or warranty of any kind regarding the accuracy, reliability, or completeness of the information. The information presented is designed to provide general information regarding the subject matter covered. It is not to serve as legal, tax or other financial advice related to individual situations, because each individual's legal, tax and financial situation is different. Specific advice needs to be tailored to your situation. Therefore, please consult with your own attorney, tax professional and/or other advisors regarding your specific situation. To help reach your goals, you need a skilled professional by your side. Contact your local Security Mutual life insurance advisor today. As part of the planning process, he or she will coordinate with your other advisors as needed to help you achieve your financial goals and objectives. For more information, visit us at SMLNY.com/SMLPodcast. If you've enjoyed this podcast, tell your friends about it. And be sure to give us a five-star review. And check us out on LinkedIn, YouTube and Twitter. Thanks for listening, and we'll talk to you next time. Tax laws are complex and subject to change. The information presented is based on current interpretation of the laws. Neither Security Mutual nor its agents are permitted to provide tax or legal advice. The applicability of any strategy discussed is dependent upon the particular facts and circumstances. Results may vary, and products and services discussed may not be appropriate for all situations. Each person's needs, objectives and financial circumstances are different, and must be reviewed and analyzed independently. We encourage individuals to seek personalized advice from a qualified Security Mutual life insurance advisor regarding their personal needs, objectives, and financial circumstances. Insurance products are issued by Security Mutual Life Insurance Company of New York, Binghamton, New York. Product availability and features may vary by state. SubscribeApple PodcastsSpotifyAndroidPandoraBlubrryby EmailTuneInDeezerRSSMore Subscribe Options

Delayed September Jobs report expected to be released on Nov. 20th

Play Episode Listen Later Nov 18, 2025

Mark Hamrick, Senior Economic Analyst for Bankrate.com, joins Lisa Dent to discuss what he anticipates to appear on the the September jobs report which will be released Thursday, November 20th. Hamrick shares that the September report is a pre-shutdown report. The expectation is that the unemployment numbers remained steady, and while lackluster, the hiring numbers […]

So… Is the Affordability Crisis Actually Real?

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Play Episode Listen Later Nov 17, 2025 3:55

Everyone's talking about the “affordability crisis”—but what does that actually mean? In this episode, we dig into the numbers, the headlines, and the lived reality of trying to make ends meet in 2025. From rent hikes to grocery bills to the myth of the “latte problem,” we explore whether the crisis is as bad as it sounds—or if something deeper is driving the feeling that everything's out of reach.Wait, what's a Financial Griot?The Financial Griot is a play on two words (Finance + Griot) that hold significance in closing the wealth gap while embracing our differences. Alainta Alcin, Lovely Merdelus, and Lawrence Delva-Gonzalez share their perspectives on current events that impact your personal finances and wealth mindset. In the New York Times, Bankrate, and other publications, the hosts share the stories that others don't. Stories about growth, opportunity, and even Wars. Beyond that, we tie it back to how it reflects on your finances. Specifically, we teach you how to become financially literate, incorporate actionable steps, and ultimately build generational wealth.Can you imagine being a Millionaire in 20 years or less?Yeah, it's possible. Eighty percent of millionaires are first-generation, meaning they didn't inherit wealth. We teach you how. Join a community of subscribers who welcome a fresh take on money.So there you have it, The Financial Griot, or TFG for short. The hosts amassed over $3 million in wealth in about eight years and are on track to retire early. We will gladly share the secrets if you want them, since the opportunity is abundant and a Win-Win.Find the TFG Crew Hosts on Instagram: Alainta Alcin - Blogger, Travel and Money Enthusiast https://www.linkedin.com/in/alaintaalcinLawrence Delva-Gonzalez, Financial Foodie and Travel Blogger @theneighborhoodfinanceguyLovely Merdelus - Entrepreneur and Small Business Growth Specialist @lovelymerdelus

To rent or buy? A financial and lifestyle decision

Total Information AM

Play Episode Listen Later Nov 17, 2025 4:13

Bankrate data analyst Alex Gailey joins Megan Lynch, answering whether it is better to rent or buy in the current real estate market.

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Data shows concerning trends for job market

A New Morning

Play Episode Listen Later Nov 17, 2025 7:21

If you're currently employed the risk of losing your job is at a historic low. If you're searching for a job though it's another story. Bankrate's Sarah Foster tells us more.

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Extra: The Dangerous World Of 'Scambaiting' And Busting Internet Fraudsters

The FOX News Rundown

Play Episode Listen Later Nov 16, 2025 19:27

One in three Americans faced a financial scam in 2024, according to a recent Bankrate survey. As technology advances, it is growing easier to fall victim to cyber scams. And with the rise of AI technology and increasing involvement of organized crime organizations, the financial and emotional threat is only becoming more common and harmful. However, some folks are fighting back. ‘Scambaiters' make videos of themselves wasting scammers' time and exposing them and their methods -- sometimes, to law enforcement. Ashton Bingham and Art Kulik have been doing it on their YouTube channel for ten years. Ashton Bingham and Art Kulik joined FOX News Rundown host Chris Foster to discuss why they decided to target scammers and how they do it. The hosts of FOX Nation's Scammed: Getting Even explained how scammers operate, and why busting up their schemes can be a dangerous job. We often have to cut interviews short during the week, but we thought you might like to hear the full interview. Today on Fox News Rundown Extra, we will share our entire interview with Scammed: Getting Even hosts Ashton Bingham and Art Kulik Learn more about your ad choices. Visit podcastchoices.com/adchoices

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It's another full FarrCast for you this week! Kenny Polcari returns and discusses the crossroads of Technicals, Fundamentals and Momentum in a deep dive on markets and investing. Dan Mahaffee helps us find the winners and losers from the shutdown as the government reopens, and Michael welcomes Ted Rossman from Bankrate.com for insight into how the big economic picture is impacting individuals every day. It's The FarrCast -- Wall Street, Washington, and The World!

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Listening, Trust & Curiosity: What Improv Teaches Us About Money

Get Ready! with Tony Steuer

Play Episode Listen Later Nov 14, 2025 45:59

Send us a textOn this episode of The Get Ready Money Podcast, I spoke with Katherine Pomerantz, Rhianna Basore, and Joe Saul-Sehy about how the principles of improv can help us become better listeners, more engaged communicators, and more confident decision-makers—especially in uncertain or emotionally charged financial situations.

Lawrence Is Still Furloughed — and NYC's First Millennial Mayor

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Play Episode Listen Later Nov 12, 2025 21:04

The crew is back together again. And yes, Lawrence, I'm still furloughed, still figuring it out. In this episode, he shares updates from his extended time off and what it's taught him about work, purpose, and the strange calm of uncertainty. Meanwhile, New York City makes history by electing its first millennial mayor, Mamdani. We dive into what this generational shift in leadership could mean for the city's future—and for the rest of us trying to navigate change in our own lives.Wait, what's a Financial Griot?The Financial Griot is a play on two words (Finance + Griot) that hold significance in closing the wealth gap while embracing our differences. Alainta Alcin, Lovely Merdelus, and Lawrence Delva-Gonzalez share their perspectives on current events that impact your personal finances and wealth mindset. In the New York Times, Bankrate, and other publications, the hosts share the stories that others don't. Stories about growth, opportunity, and even Wars. Beyond that, we tie it back to how it reflects on your finances. Specifically, we teach you how to become financially literate, incorporate actionable steps, and ultimately build generational wealth.Can you imagine being a Millionaire in 20 years or less?Yeah, it's possible. Eighty percent of millionaires are first-generation, meaning they didn't inherit wealth. We teach you how. Join a community of subscribers who welcome a fresh take on money.So there you have it, The Financial Griot, or TFG for short. The hosts amassed over $3 million in wealth in about eight years and are on track to retire early. We will gladly share the secrets if you want them, since the opportunity is abundant and a Win-Win.Find the TFG Crew Hosts on Instagram: Alainta Alcin - Blogger, Travel and Money Enthusiast https://www.linkedin.com/in/alaintaalcinLawrence Delva-Gonzalez, Financial Foodie and Travel Blogger @theneighborhoodfinanceguyLovely Merdelus - Entrepreneur and Small Business Growth Specialist @lovelymerdelus

What do you do with your old 401(k)?

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Play Episode Listen Later Nov 12, 2025

Stephen Kates, Financial Advisor at Bankrate, joins Lisa Dent to discuss transferring a 401(k). After leaving a job for a new one, Kates explains, transferring a 401(k) can be complicated. He shares how to make the right decision with your 401(k)

Pay gap between men and women continues to be an issue in the United States

Total Information AM

Play Episode Listen Later Nov 12, 2025 5:01

Alex Gailey, a data analyst at Bankrate, joins Megan Lynch with a new look at he 'pay gap' issue that continues to challenge female employees.

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S24 E101: The Bankrate Holiday Spending Report

Good Mornings Podcast Edition

Play Episode Listen Later Nov 12, 2025 52:22

The National Retail Federation anticipates a 'Green' Christmas... An overly optimistic outlook, given that consumer sentiment is near an all-time low and household debt is near a record high? (at 14:23) --- If this week's early arctic blast has you worried about what's to come this winter, we have some simple tips on keeping your home cozy without freezing your finances (at 25:41) --- Last year, PETA introduced the 'Kind Frog' as an alternative to the dissection of actual animals in high school science classes... But do students get as much out of it if it's not really real? (at 44:48)

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What's cheaper: renting or buying?

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Play Episode Listen Later Nov 12, 2025 11:16

Is it better to rent or to buy? It's cheaper to rent in the 50 biggest metros in the US...but is it the right decision? We talk with Bankrate data analyst Alex Gailey.

Trump floats 50-year mortgage to new home buyers. Is this a good idea?

Play Episode Listen Later Nov 11, 2025 8:16 Transcription Available

Stephen Kates of Bankrate says that isn't a good idea because you are not building any equity. He also takes a look at inflation and car loans

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Why won't most working women see equal pay before they retire?

Lets Have This Conversation

Play Episode Listen Later Nov 10, 2025

Alex Gailey, Personal Finance Data Reporter and analyst at Bankrate, joins Lisa Dent to discuss the slow progress toward equal pay. Alex shares how minorities have wider pay gaps in comparison to their white male counterparts and what limits women in the workforce.

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Comparing Modern Wealth Vs, the Income Wealth Gap with Richard McWhorter

Play Episode Listen Later Nov 6, 2025 34:10

**Growing Wealth Gap:** As of the first quarter of 2025, thetop 10% of earners in the United States owned nearly two-thirds of thecountry's total wealth, while the bottom 50% held just 2.5%, according toStatista. Many young adults express a desire to save, but it'suncertain whether they are actually doing so. A survey commissioned byfinancial software firm Intuit in April found that 59% of Americans aged 18 to25 prioritize having a well-funded savings account. However, many arestruggling to achieve this goal. Among Gen Z adults aged 18 to 27 in the U.S.,only 15% regularly set aside a portion of their paycheck for savings, accordingto a Bank of America survey released last year. Additionally, less than half ofU.S. adults surveyed by Bankrate earlier this year reported that they could usetheir savings to cover a $1,000 emergency expense. **Richard McWhorter:** As Managing Partner and PrivateWealth Advisor at SRM Private Wealth, Richard McWhorter has established areputation for guiding high-net-worth individuals and families, includingathletes and musicians, through the complexities of modern wealth management.His approach is deeply personal, combining financial expertise with a genuinecommitment to philanthropy and the broader impact of wealth. Richard was named to the Forbes 2024 Best-In-State WealthAdvisors List, which reflects the trust and insight he provides to his clients.With 32 years of industry experience, including leadership roles at MerrillLynch and Smith Barney, he has navigated nearly every financial scenarioimaginable. Richard is dedicated to helping clients align their wealth withtheir personal values and has expertise in asset protection, estate planning,and creative fundraising for charitable causes. His perspective on how influential individuals in theentertainment and sports sectors approach financial planning, along with theintersection of money decisions, personal aspirations, and legacy building, isboth timely and relevant. Richard welcomes challenging conversations, as hebelieves they often lead to the best outcomes. For more information, visit: [SRM PrivateWealth](https://srmprivatewealth.com/) LinkedIn: @RichardMcWhorter

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The Fed, Interest Rates, Presidential Pressure, And You (March 2025)

American Viewpoints

Play Episode Listen Later Nov 6, 2025 9:01

This episode originally aired in March of 2025, shortly after the Federal Reserve chose to leave interest rates unchanged despite pressure from President Trump to lower them. Greg McBride from Bankrate.com comments on how the decision affects us.

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2927: The Bank of England MPC Should be Replaced by AI

The SharePickers Podcast with Justin Waite

Play Episode Listen Later Nov 6, 2025 29:08

The Bank of England MPC Should be Replaced by AI Monetary Policy Committee votes 5-4 to keep Bank Rate at 4.0% Inflation expected to fall in October and November Investors see 55% chance of rate cut on December 18 CPI inflation is judged to have peaked. You have different members of the MPC coming to different conclusions on the same data. The Bank of England MPC Should be Replaced by AI PLUS CO'S MENTIONED TODAY: Filtronic #FTC Frontier Developments #FDEV Water Intelligence #WATR ***** About The SharePickers Investment Club ***** The SharePickers Investment Club employs a unique, systematic method to uncover small, profitable companies on the London Stock Exchange. Each potential investment undergoes comprehensive analysis and is evaluated against 15 crucial financial metrics. This fact-based, quantitative approach allows us to pinpoint high-potential growth businesses and deliver consistent results, bypassing the hype and focusing on the numbers. *****MY BOOK ***** How to Become a MicroCap Millionaire - A 3 Step Strategy for Stock Market Success Is now on sale here: https://www.sharepickers.com/how-to-become-a-microcap-millionaire-3-step-strategy/ !!!IF YOU BUY THE BOOK YOU CAN GET 40% OFF MEMBERSHIP TO THE SHAREPICKERS INVESTMENT CLUB!!! HOW? If you buy a copy of the book, then like it enough to leave a 5 star rating & write a positive review, you can get yearly membership to the SharePickers Investment Club for just £149!!! THIS IS £2.88 WEEK - LESS THAN: HALF A PINT OF BEER A BAG CHIPS FROM THE CHIPPY A BATTERED JUMBO SAUSAGE FROM THE CHIPPY A JUMBO SAVELOY FROM THE CHIPPY HALF THE AMOUNT A PERSON SPENDS ON CHOCOLATE 40% CHEAPER THAN A MCDONALDS FILAY-O-FISH 43% CHEAPER THAN A BIG MAC ONE FEEDS YOUR BELLY AND DESTROYS YOUR HEALTH, THE OTHER FEEDS YOU MIND AND IMPROVES YOUR WEALTH —---------------------------------------------------------------------- In this podcast I cover the Microcap News to see if they're good enough to be added to the MicroCap League. The UK's first MicroCap League where 100's of small businesses are analysed and scored in relation to their growth, value, health, efficiency, momentum & potential. The companies that score the highest are added to the MicroCap League and possess the best risk / reward profile. —---------------------------------------------------------------------- If you regularly listen to this podcast and value its content, it's a free resource, so please consider paying back in kind by giving it a 5 star rating and review. That way more people will find it. Thank you!

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Shutdown causing 'confusion, uncertainty and heartache' for economy

A New Morning

Play Episode Listen Later Nov 6, 2025 6:11

Bankrate's Mark Hamrick explains how the record-setting government shutdown is impacting the economy.

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Higher uncertainty, more inflation: consumers are getting pummeled

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Play Episode Listen Later Nov 5, 2025 12:51

What have we seen from the job market and the economy as the shutdown has dragged on for over a month? Mark Hamrick, Bankrate senior economic analyst, joins us.

"Stay Tuned and Buckle Up" State of the Economy and Jobs Market

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Play Episode Listen Later Nov 5, 2025 8:48 Transcription Available

Mark Hamrick of Bankrate looks at the limited numbers because of the shutdown and also discusses whether or not there be a rate cut in December

Ted Rossman talks rising prices impacting holiday plans

Play Episode Listen Later Nov 3, 2025

Ted Rossman, Senior Industry Analyst at Bankrate, joins Lisa Dent to discuss how rising prices will impact holiday plans. Ted shares that many holiday shoppers and travelers plan to use credit cards and to utilize debit card’s ‘buy now, pay later services (BNPL)’ per Bankrate's 2025 Holiday Spending Report. Then, Rossman breaks down more details […]

The Fed cut rates again. Here's what that could actually mean for you

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Play Episode Listen Later Oct 30, 2025 11:20

We recap the Fed's meeting and break down what the decision to cut rates means for the economy and for YOU with Bankrate financial analyst Stephen Kates.

Forget politics—This is America's real dinner table drama

Inside Sources with Boyd Matheson

Play Episode Listen Later Oct 28, 2025 10:48

There's one topic that is causing the most discomfort at the dinner table! It's not religion... it's not politics... it's money! A new Bankrate survey reveals finances could be the most uncomfortable topic at holiday gatherings this year. Bankrate Senior Industry Analyst, Ted Rossman, shares tips for breaking the money taboo and starting healthy conversations around finances.

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Making sense of a new report on inflation and consumer prices

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Play Episode Listen Later Oct 28, 2025 11:40

Breaking down a recent inflation report with Stephen Kates, a financial analyst at Bankrate. Did we get some good news?

Fighting shrimp fraud with science and learning about inflation: 6am hour

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Play Episode Listen Later Oct 28, 2025 21:04

* We'll break down a recent inflation report with Stephen Kates, an analyst at Bankrate. Did we get some good news? * We spend some time with Dave Williams, a scientist who's been on a mission to help identify shrimp fraud around the Gulf South.

FED meets today and tomorrow...Will rates drop?

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Play Episode Listen Later Oct 28, 2025 7:51 Transcription Available

Stephen Kates of Bankrate says "Yes" rates should .25% but things could a little dicey down the road

Are Americans ready to retire?

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Play Episode Listen Later Oct 23, 2025 8:32 Transcription Available

Mark Hamrick of Bankrate says most Americans are NOT ready to retire because they are not sure they'll receive Social Security when the time comes

The Power of Scaling Back

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Play Episode Listen Later Oct 22, 2025 7:16

In this solo episode, Lawrence discusses how slowing down and simplifying can actually move you forward. The courage it takes to pause, reassess priorities, and let go of what no longer serves your goals. From career shifts to personal habits, he dives into how scaling back can create space for clarity, balance, and meaningful growth.Wait, what's a Financial Griot?The Financial Griot is a play on two words (Finance + Griot) that hold significance in closing the wealth gap while embracing our differences. Alainta Alcin, Lovely Merdelus, and Lawrence Delva-Gonzalez share their perspectives on current events that impact your personal finances and wealth mindset. In the New York Times, Bankrate, and other publications, the hosts share the stories that others don't. Stories about growth, opportunity, and even Wars. Beyond that, we tie it back to how it reflects on your finances. Specifically, we teach you how to become financially literate, incorporate actionable steps, and ultimately build generational wealth.Can you imagine being a Millionaire in 20 years or less?Yeah, it's possible. Eighty percent of millionaires are first-generation, meaning they didn't inherit wealth. We teach you how. Join a community of subscribers who welcome a fresh take on money.So there you have it, The Financial Griot, or TFG for short. The hosts amassed over $3 million in wealth in about eight years and are on track to retire early. We will gladly share the secrets if you want them, since the opportunity is abundant and a Win-Win.Find the TFG Crew Hosts on Instagram: Alainta Alcin - Blogger, Travel and Money Enthusiast https://www.linkedin.com/in/alaintaalcinLawrence Delva-Gonzalez, Financial Foodie and Travel Blogger @theneighborhoodfinanceguyLovely Merdelus - Entrepreneur and Small Business Growth Specialist @lovelymerdelus

Bankrate: 52% of Americans expect to rely on Social Security for expenses in retirement

Play Episode Listen Later Oct 22, 2025

Mark Hamrick, Senior Economic Analyst for Bankrate.com, joins Lisa Dent to discuss Bankrate’s recent survey that shows 52 percent of Americans expect to rely on Social Security Benefits for expenses when they retire.

Is the economy in the middle of an AI bubble?

Play Episode Listen Later Oct 22, 2025 12:43

Some experts think the stock market is in the middle of an AI bubble. Are we? We see what Mark Hamrick, Bankrate senior economic analyst, thinks.

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Lawrence Got Furloughed — and Everything That Followed

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Play Episode Listen Later Oct 20, 2025 47:02

In this episode, Lawrence opens up about his unexpected journey after being furloughed from his federal job. Amid the disruptions of the past year and the ongoing uncertainty, he's found this experience to be a powerful catalyst for reflection, reinvention, and growth. The crew joins in to discuss the emotions, challenges, and ways they've each redefined their sense of stability and purpose during such a turbulent time.Wait, what's a Financial Griot?The Financial Griot is a play on two words (Finance + Griot) that hold significance in closing the wealth gap while embracing our differences. Alainta Alcin, Lovely Merdelus, and Lawrence Delva-Gonzalez share their perspectives on current events that impact your personal finances and wealth mindset. In the New York Times, Bankrate, and other publications, the hosts share the stories that others don't. Stories about growth, opportunity, and even Wars. Beyond that, we tie it back to how it reflects on your finances. Specifically, we teach you how to become financially literate, incorporate actionable steps, and ultimately build generational wealth.Can you imagine being a Millionaire in 20 years or less?Yeah, it's possible. Eighty percent of millionaires are first-generation, meaning they didn't inherit wealth. We teach you how. Join a community of subscribers who welcome a fresh take on money.So there you have it, The Financial Griot, or TFG for short. The hosts amassed over $3 million in wealth in about eight years and are on track to retire early. We will gladly share the secrets if you want them, since the opportunity is abundant and a Win-Win.Find the TFG Crew Hosts on Instagram: Alainta Alcin - Blogger, Travel and Money Enthusiast https://www.linkedin.com/in/alaintaalcinLawrence Delva-Gonzalez, Financial Foodie and Travel Blogger @theneighborhoodfinanceguyLovely Merdelus - Entrepreneur and Small Business Growth Specialist @lovelymerdelus

Valuation investor says his stock picks right now are 'cash' and time

Money Life with Chuck Jaffe

Play Episode Listen Later Oct 17, 2025 64:28

Steven Grey, chief investment officer at Grey Value Management, says that inflated valuations have him making cash his favorite investment choice right now, noting that they can gain interest income while avoiding significant market risk while waiting for stock prices to blow off. The cash, Grey notes, not only will increase an investor's sleep factor, but it gives them the option to be buying when the rest of the market is selling. Grey says in the Market Call that his thinking also extends to the stocks he prefers right now, noting that he expects Berkshire Hathaway — notably holding a mountain of cash — to be a financial fortress that turns into a big positive when the money gets put to work when the market turns. John Cole Scott, president of CEF Advisors — the chairman of the Active Investment Company Alliance — discusses the changing landscape of business-development companies and the details he gleaned from attending the recent Eversheds BDC Roundtable, which focused on legislative and other issues that are creating challenges and opportunities for the industry. Ted Rossman, senior industry analyst at Bankrate.com, talks about his recent analysis of how inflation is impacting credit-card rewards, taking some of the shine off the perks and making it more important that consumers know the rules to get great value from their rewards cards.

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S24 E84: A Bleak Holiday Travel Outlook

Good Mornings Podcast Edition

Play Episode Listen Later Oct 17, 2025 52:22

Experts are predicting a lean year for retail sales this holiday season - What about the other big category of consumer spending between Thanksgiving and Christmas? Bankrate's outlook for holiday travel is out, and it's probably not what the hospitality industry wants to hear (at 11:54) --- Salute to Service: Fans will get the chance to take part in the US Army's 'Ultimate Catch' at the Ohio State-Wisconsin game (at 20:24) --- HS Football Preview: Despite a pair of tough losses, the Findlay Trojans still 'control their own destiny' with the playoffs coming (at 27:58) --- Another collection of yummy recipes from Kyra's Kitchen! (at 43:21)

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People don't trust traditional currency anymore

The Financial Exchange Show

Play Episode Listen Later Oct 16, 2025 38:29 Transcription Available

Chuck Zodda and Mike Armstrong explain why many people around the world refuse to trust traditional currency these days. Sarah Foster, Bankrate, joins the show to discuss worker pay not keeping up with inflation. Most Americans don't have good jobs. What does that say about the economy. AI data centers, desperate for electricity, are building their own power plants. What are the hidden costs of downsizing?

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Bankrate: 62% of workers say pay has not kept up with inflation

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Play Episode Listen Later Oct 14, 2025

Sarah Foster, Economic Analyst for Bankrate.com, joins Lisa Dent to discuss a report from Bankrate that shows 62 percent of workers surveyed said their salary has not kept up with inflation.

My Finances Sucks: Time to Use ChatGPT to get Results?

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Play Episode Listen Later Oct 13, 2025 40:18

The crew explores how ChatGPT is reshaping modern spaces—both at work and in daily life, as well as in the realm of creativity. We highlight real examples of AI streamlining workflows, sparking innovation, and balancing technology with human creativity. Tune in to see how ChatGPT is helping people and businesses thrive in today's evolving digital world.Wait, what's a Financial Griot?The Financial Griot is a play on two words (Finance + Griot) that hold significance in closing the wealth gap while embracing our differences. Alainta Alcin, Lovely Merdelus, and Lawrence Delva-Gonzalez share their perspectives on current events that impact your personal finances and wealth mindset. In the New York Times, Bankrate, and other publications, the hosts share the stories that others don't. Stories about growth, opportunity, and even Wars. Beyond that, we tie it back to how it reflects on your finances. Specifically, we teach you how to become financially literate, incorporate actionable steps, and ultimately build generational wealth.Can you imagine being a Millionaire in 20 years or less?Yeah, it's possible. Eighty percent of millionaires are first-generation, meaning they didn't inherit wealth. We teach you how. Join a community of subscribers who welcome a fresh take on money.So there you have it, The Financial Griot, or TFG for short. The hosts amassed over $3 million in wealth in about eight years and are on track to retire early. We will gladly share the secrets if you want them, since the opportunity is abundant and a Win-Win.Find the TFG Crew Hosts on Instagram: Alainta Alcin - Blogger, Travel and Money Enthusiast https://www.linkedin.com/in/alaintaalcinLawrence Delva-Gonzalez, Financial Foodie and Travel Blogger @theneighborhoodfinanceguyLovely Merdelus - Entrepreneur and Small Business Growth Specialist @lovelymerdelus

Navigating Aging Parents and their Retirement

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Play Episode Listen Later Oct 6, 2025 68:54

In this episode, Lawrence and Alainta dive into the often difficult yet essential conversations around aging parents and planning for a healthy, fulfilling retirement. We discuss Alainta's TikTok video on supporting aging loved ones, addressing financial and emotional concerns, and preparing both parents and their children for the changes that lie ahead. We discuss how to create a roadmap for a smoother transition, ensuring peace of mind and well-being for everyone involved. Wait, what's a Financial Griot?The Financial Griot is a play on two words (Finance + Griot) that hold significance in closing the wealth gap while embracing our differences. Alainta Alcin, Lovely Merdelus, and Lawrence Delva-Gonzalez share their perspectives on current events that impact your personal finances and wealth mindset. In the New York Times, Bankrate, and other publications, the hosts share the stories that others don't. Stories about growth, opportunity, and even Wars. Beyond that, we tie it back to how it reflects on your finances. Specifically, we teach you how to become financially literate, incorporate actionable steps, and ultimately build generational wealth.Can you imagine being a Millionaire in 20 years or less?Yeah, it's possible. Eighty percent of millionaires are first-generation, meaning they didn't inherit wealth. We teach you how. Join a community of subscribers who welcome a fresh take on money.So there you have it, The Financial Griot, or TFG for short. The hosts amassed over $3 million in wealth in about eight years and are on track to retire early. We will gladly share the secrets if you want them, since the opportunity is abundant and a Win-Win.Find the TFG Crew Hosts on Instagram: Alainta Alcin - Blogger, Travel and Money Enthusiast https://www.linkedin.com/in/alaintaalcinLawrence Delva-Gonzalez, Financial Foodie and Travel Blogger @theneighborhoodfinanceguyLovely Merdelus - Entrepreneur and Small Business Growth Specialist @lovelymerdelus

The Cost of Media Illiteracy with over 300,000 Black Women Unemployed