Podcast appearances and mentions of barbara friedberg

Upcoming Event!How Can Mindfulness Help You Reach Financial Independence?Do you want to reduce money anxiety, but don't know who to trust?Would you like to learn how to set up and manage your own retirement plan?Do you want to know how we create a passive income stream you can't outlive?If yes, join us and learn how to answer the 4 critical financial independence questions:Am I on track for financial independence?What do I need to do to get on track?How do I design a mindful investing portfolio?How do I manage that portfolio and my income over time through changing markets?Learn more: https://courses.mindful.money/financial-independence-bootcampBarbara Friedberg is an MBA, MS, and former portfolio manager, who is committed to investment and money education across multiple platforms. She currently owns and manages Barbara Friedberg Personal Finance.com, which is dedicated to improving investment knowledge and wealth. She consults for a select group of fintech companies and writes for many popular online media outlets. Today, Barbara joins the show to talk about financial influencers, the difference between robo advisors and actual advisors, & what she thinks about investors choosing to pick individual stocks.

Barbara Friedberg with Good Financial Cents tells you why you must start investing right away. Episode 2730: Why You Must Start Investing Now by Barbara Friedberg Jeff Rose, CFP® is a Certified Financial Planner™, founder of Good Financial Cents, and author of the personal finance book Soldier of Finance. Jeff is an Iraqi combat veteran and served 9 years in the Army National Guard. His work is regularly featured in Forbes, Business Insider, Inc.com and Entrepreneur. The original post is located here: https://www.goodfinancialcents.com/why-you-must-start-investing-now/  Visit Me Online at OLDPodcast.com  Interested in advertising on the show? Visit https://www.advertisecast.com/OptimalLivingDaily Learn more about your ad choices. Visit megaphone.fm/adchoices

Barbara Friedberg with Good Financial Cents tells you why you must start investing right away. Episode 2730: Why You Must Start Investing Now by Barbara Friedberg Jeff Rose, CFP® is a Certified Financial Planner™, founder of Good Financial Cents, and author of the personal finance book Soldier of Finance. Jeff is an Iraqi combat veteran and served 9 years in the Army National Guard. His work is regularly featured in Forbes, Business Insider, Inc.com and Entrepreneur. The original post is located here: https://www.goodfinancialcents.com/why-you-must-start-investing-now/  Visit Me Online at OLDPodcast.com  Interested in advertising on the show? Visit https://www.advertisecast.com/OptimalLivingDaily Learn more about your ad choices. Visit megaphone.fm/adchoices

Barbara Friedberg with Good Financial Cents tells you why you must start investing right away. Episode 2730: Why You Must Start Investing Now by Barbara Friedberg Jeff Rose, CFP® is a Certified Financial Planner™, founder of Good Financial Cents, and author of the personal finance book Soldier of Finance. Jeff is an Iraqi combat veteran and served 9 years in the Army National Guard. His work is regularly featured in Forbes, Business Insider, Inc.com and Entrepreneur. The original post is located here: https://www.goodfinancialcents.com/why-you-must-start-investing-now/  Visit Me Online at OLDPodcast.com  Interested in advertising on the show? Visit https://www.advertisecast.com/OptimalLivingDaily Learn more about your ad choices. Visit megaphone.fm/adchoices

This podcast includes these articles: “The Best ESG Funds Of 2023,” by Barbara Friedberg; “5 Best ESG Stocks to Consider in April 2023,” by Benzinga; “Climate Change Stocks - How Investors Can Profit From The Green Revolution,” by Q.ai; and “Five Top Graphite Stocks to Own with the EV Boom,” by Baystreet Staff. And more. Transcript & Links, Episode 103, April 7, 2023 Hello, Ron Robins here. Welcome to podcast episode 103 and published on April 7, 2023, titled “Best ESG Funds and Stocks.” It's presented by Investing for the Soul. Investingforthesoul.com is your site for vital global ethical and sustainable investing mentoring, news, commentary, information, and resources. Remember that you can find a full transcript, and links to content – including stock symbols and bonus material – on this episode's podcast page located at investingforthesoul.com/podcasts. Now if any terms are unfamiliar to you, simply Google them. Also, a reminder. I do not evaluate any of the stocks or funds mentioned in these podcasts, nor do I receive any compensation from anyone covered in these podcasts. Furthermore, I will reveal to you any personal investments I have in the investments mentioned herein. Additionally, quotes about individual companies are brief so that I can get as many companies covered as possible in the time allowed. Please go to this podcast's webpage for links to the actual articles for more company and stock information. Also, some companies might be covered more than once and there are also 2 article links below that time didn't allow me to review them here. ------------------------------------------------------------- 1) Best ESG Funds and Stocks It's been a while since I led off talking about ESG funds. So let's amend that now with this article titled The Best ESG Funds Of 2023. It's by Barbara Friedberg and found on forbes.com. Here are some of what Ms. Friedberg says about her picks. “Forbes Advisor has selected what we believe to be the best ESG funds available in the market today… We began our hunt by paring Morningstar's master list to 140 funds by excluding options that required minimum initial investments of more than $5,000. Also, we eliminated funds that did not lend themselves to the creation of a well-diversified mix of stock and fixed income investments… We then screened out any funds with an annual expense ratio that was above 0.60%. For diversity, we selected passively managed as well as actively managed portfolios. To meet the requirements of a very broad audience, so we deliberately excluded narrowly focused sector funds, geographically specialized funds and age group-specific target date funds. These screens left us with 18 choices. The final list of the eight best ESG funds includes broadly diversified choices that are suitable for the widest possible group of investors. We included short and core fixed-income funds along with U.S. and international ESG equity funds. You might create an entire ESG portfolio from funds on the list or add a few to an existing investment portfolio.” Vanguard ESG U.S. Stock ETF (ESGV) Pimco Enhanced Short Maturity Active ESG ETF (EMNT) Nuveen ESG Dividend ETF (NUDV) iShares MSCI Global Sustainable Developmental Goals ETF (SDG) Fidelity U.S. Sustainability Index Fund (FITLX) Fidelity International Sustainability Index Fund (FNIDX) Calvert US Mid Cap Core Responsible Index Fund (CMJAX) BlackRock Sustainable Advantage CoreAlpha Bond Fund (BIAAX)” End quotes. ------------------------------------------------------------- 2) Best ESG Funds and Stocks Now, from the best ESG funds to the best ESG stocks with this article titled 5 Best ESG Stocks to Consider in April 2023. It's by Benzinga and found on benzinga.com. Here are their recommendations with some quotes on each one. “1. Microsoft (NASDAQ:MSFT) The company is organized into three segments, including productivity and business processes (which includes Microsoft Office, Skype, SharePoint and Office 365) (and) cloud infrastructure and platform-as-a-service offering. The last segment is personal computing including Xbox, Bing search, display advertising, laptops and desktops.  2. NVIDIA (NASDAQ:NVDA) The firms' chips are used in a variety of end markets such as high-end PCs for gaming, data centers, and automotive infotainment systems.  More recently, the firm has diversified its focus from traditional PC to more complex sectors such as artificial intelligence and autonomous driving. These sectors increasingly leverage high-performance capabilities in graphics processing units.  3. Salesforce (NYSE:CRM) Salesforce.com provides enterprise cloud computing solutions, including Sales Cloud, the company's main customer relationship management software-as-a-service product.  Salesforce.com also offers Service Cloud for customer support (and) Marketing Cloud for digital marketing campaigns and Commerce Cloud as an e-commerce engine. Its Salesforce Platform allows enterprises to build applications, and other solutions, such as data integration. 4. Accenture (NYSE:ACN) Accenture is a leading global IT services firm that provides consulting, strategy, and technology and operational services. These services are the anchor of successful enterprises and cover digital transformation, procurement services and software system integration.  The company provides its IT offerings to a number of sectors ranging from communications, media and technology as well as financial services, healthcare and consumer products. 5. Best Buy Co (NYSE:BBY) Best Buy is the largest pure-play consumer electronics retailer in the U.S., with over $47 billion in 2020 sales alone. This was driven by its 10% share of the aggregate market and nearly 40% share of offline sales, according to Benzinga, CTA industry and Euromonitor data. The bulk of the firm's sales are driven by mobile phones, computers, tablets, computers and appliances, which represent its three largest categories.  Accelerated by the COVID-19 pandemic, the U.S. e-commerce channel has roughly doubled from pre-pandemic levels, with management estimating that it will represent a mid-30% proportion of sales moving forward.” End quotes. ------------------------------------------------------------- 3) Best ESG Funds and Stocks And now to a listener's favorite sector with this title Climate Change Stocks - How Investors Can Profit From The Green Revolution. By Q.ai on forbes.com. Here are their stock picks and some of their comments on each one. “Here are some examples of some of the most popular investments in this space… Stocks 1. Tesla (TSLA) While electric vehicles are much more widespread now, much of that is thanks to the efforts of Elon Musk and Tesla, who popularized it from quirk to the mainstream. Tesla stock isn't for the faint hearted, with the eccentric billionaire CEO causing wild swings in the price with crazy tweets and ideas. Nevertheless, so far it's been a great long term bet for many investors as the stock is up over 850% over the past five years. 2. First Solar (FSLR) Based out of Arizona, First Solar is one of the largest manufacturers of solar panels. Their panels are used in solar farms whose sole purpose is to generate electricity for the grid, but solar tech is also used in a wide range of other applications too… First Solar's stock price is up almost 200% over the past five years. 3. Enphase Energy (ENPH) Where First Solar helps create renewable energy and Tesla uses it, Enphase Energy acts as the middleman. They create battery systems and electric vehicle charging stations, that allows this to be used functionally in our day to day lives. While Enphase charging stations are attached to the electricity grid, which isn't solely powered by renewable energy, it's a vital piece in the chain to make electric vehicles more usable. Enphase Energy stock is up a whopping 4,220% over the last five years. 4. Vestas Wind Systems (VWS.CO) Even before electricity was invented, humans harnessed wind to power our ships and windmills to run agricultural machinery. Wind farms from Vesta Wind Systems are a lot more complex these days, but the basic concept remains the same. It's another winner from a financial point of view, with Vestas stock up 115% over the past five years. If you're looking for a broader level of diversification and want to invest in clean energy via ETFs, there are some great options for investors. Some examples include: 1. First Trust NASDAQ® Clean Edge® Green Energy Index Fund (QCLN) This fund aims to broadly mimic the NASDAQ Clean Edge Green Energy Index… by investing in green energy companies. Some of the largest holdings in the fund include companies like ON Semiconductor, Tesla, First Solar, SolarEdge, Albermarle, Rivian and Plug Power. 2. iShares Global Clean Energy UCITS ETF (IQQH.DE) This ETF has a similar objective, but instead aims to benchmark against the S&P Global Clean Energy Index. Some of the major holdings in the fund include Vestas Wind Systems, First Solar, Plug Power and Consolidated Edison.” End quotes. ------------------------------------------------------------- 4) Best ESG Funds and Stocks Continuing in a related field to energy is this article titled Top of Form Five Top Graphite Stocks to Own with the EV Boom. It's on baystreet.ca and by Baystreet Staff. Here is some of what is in the article. Quote. “With the electric vehicle market accelerating, investors may want to pay close attention to the graphite market,' Andrew Miller, chief operating officer at Benchmark Mineral Intelligence, (is) quoted by InvestingNews.com (as saying). ‘We're now projecting that by the end of next year, batteries will be the number one leading market for graphite.'… In addition, to meet rising demand, Benchmark Mineral Intelligence estimates that up to 150 new operations across natural and synthetic graphite are needed by 2035. That's creating big opportunity for natural graphite companies… (and) beneficial for (some) vehicle stocks. 1. Infinity Stone Ventures Corp. (CSE: GEMS) (OTC: GEMSF) Announced the formation of a new wholly-owned subsidiary, AirCarbon Technology Corp., to develop the Rockstone Graphite Project. The Company has also entered into a partnership with R&D Innovation Inc. to use their patent-pending and proprietary air classification separation technology to process samples from the Rockstone Graphite Project. The Air Classification System eliminates the need for flotation, chemicals and drying in the graphite milling process and greatly reduces the capital costs for a traditional graphite mill. It has also been designed to eliminate the need for tailing ponds and greatly lessen the need for significant infrastructure at a mine site… ‘We firmly believe that graphite is being overlooked in the market, considering its critical position in the battery metal supply chain… said Zayn Kalyan, CEO and Director of Infinity Stone. 2. Volkswagen (VWAGY) Just announced that it is stepping up its activities in North America in a bid to take a strong position in this important growth market for battery electric vehicles. The Group and its battery company PowerCo have selected St. Thomas in Ontario, Canada, to establish Volkswagen's first overseas gigafactory for cell manufacturing, which will produce sustainable unified cells, start of production is planned for 2027… 3. Graphite One Inc. (GPHOF) Is planning a complete domestic U.S. supply chain for advanced graphite materials, is pleased to announce drill results from its 2022 Field Program at its Graphite Creek Property (in Alaska) … Graphite Creek is living up to its designation by the US Geological Survey as the largest and highest grade graphite resource in the United States. 4. NextSource Materials Inc. (NEXT.TO) (Has) announced that construction of the processing plant and mining camp for the Company's Molo Graphite Mine in Madagascar is now complete, and that the entire mining fleet is at site. President and CEO, Craig Scherba, commented: ‘We are now entering the final stages of development of Phase 1 and are fast approaching first production.' 5. Tesla (TSLA) In the fourth quarter, it produced over 439,000 vehicles and delivered over 405,000 vehicles. In 2022, vehicle deliveries grew 40% YoY to 1.31 million while production grew 47% YoY to 1.37 million. The company also continued to transition towards a more even regional mix of vehicle builds which again led to a further increase in cars in transit at the end of the quarter.” End quotes. It seems a little strange having Tesla here but I guess Tesla must have some relationship with its battery production. ------------------------------------------------------------- Now one Other Honorable Mention 1. Title: Texas Instruments a Top Socially Responsible Dividend Stock With 2.8% Yield (TXN) on nasdaq.com. By BNK Invest. One article from Outside the US 1. UK Title: Top 10 ethical financial advisers in 2023 on good-with-money.com. By Lori Campbell. ------------------------------------------------------------- Ending Comment Well, these are my top news stories with their stock and fund tips -- for this podcast titled: “Best ESG Funds and Stocks.” Now, please be sure to click the like and subscribe buttons on Apple Podcasts, Google Podcasts, or wherever you download or listen to this podcast. That helps bring these podcasts to others like you. And please click the share buttons to share this podcast with your friends and family. Let's promote ethical and sustainable investing as a force for hope and prosperity in these terribly troubled times! Contact me if you have any questions. Thank you for listening. Talk to you next on April 21st. Bye for now. © 2023 Ron Robins, Investing for the Soul

Learn how to amass wealth – the right way, for you. In this episode, Barbara Friedberg, a former portfolio manager and university investments and finance instructor, delves into how Robo-advisors have revolutionized traditional financial advisory services. She explains what Robo-advisors are, how they can benefit investors, and how to get started. She also discloses her personal approach to money management and why understanding your risk tolerance is key for any investor. Join us to learn more about taking advantage of Robo-advisors in wealth management and investing!Key Highlights:[00:01 - 07:27] Opening Segment• Robo-advisors are an umbrella term for technology-enhanced investing platformsProviding individuals with access to low-cost asset management• Hybrid models offer access to both robo and human advisors• How Robo-advisors are used by traditional financial advisors[07:28 - 14:53] Fee Compression in Robo-Advisory Industry• Robo advisors offer investment management at lower fees than traditional financial advisorsThe difference between traditional advisors vs Robo-advisors• The customization options available within the Robo-advisory field• How Robo-advisors provide well-diversified portfolios with low fee drag[14:54 - 22:31] Robo-Advisors for Wealthy Investors• Barbara breaks down some of the best Robo-advisors• Robo-advisors are highly regulated and insuredInvestments are fairly safe• A look at the latest developments in investment technology[22:32 - 30:06] Exploring the Benefits of Robo-Advisors• How Robo-advisors create an investment portfolio with the greatest returns for a specific risk level• Different Robo-advisors use different asset classes• Robo-advisors base their assumptions on how truthful you are on the inputHow they provide better access and education to people[30:07 - 33:23] Closign Segment• Get financial security and balance• Focus on balance in life, not just moneyWant to connect with Barbara? Follow her on LinkedIn and Twitter. Head to Robo-Advisor Pros, a comprehensive + trusted resource for the latest robo and technology-enhanced investing platforms! Resources Mentioned:Barbara Friedberg Personal FinanceKey Quotes:“Nobody knows the future, but you can feel comfortable investing with a robot advisor that you're getting as much protection as you would with most other brokerage companies or with your bank.” - Barbara Friedberg“Wealth can give you a certain amount of financial security, but it won't solve your problems.” - Barbara FriedbergConnect with me on LinkedIn!LIKE, SUBSCRIBE, AND LEAVE US A REVIEW on Apple Podcasts, Spotify, Google Podcasts, or whatever platform you listen on. Thank you for tuning in and Stay Tuned for the Next Episode COMING SOON!

Money Magazine “Money Classic: How I Bonds Went From Not to Hot (1998)” by  Money Staff https://money.com/money-classic-i-bonds/?utm_source=newsletter&utm_medium=email&utm_content=Money%20Classic%2020&utm_campaign=money-classic Money Magazine “How to Buy I Bonds” by Adam Hardy https://money.com/how-to-buy-i-bonds/?amp=true Forbes Magazine “What Are I Bonds?” by Barbara Friedberg https://www.forbes.com/advisor/investing/what-are-i-bonds/

It is amazing. The FTX Crash has caught most people off guard and many celebrities lost money too. There is word that it is one big ponzi scheme with politicians, slush funds, celebrity endorsers, and trying to expatriate SBF back to the US to face justice. This is the stuff that is Michael Lewis will be writing about in the big Short 2 (which apparently he has been embedded for the past 6 months with SBF). I do find it odd that I have not heard anyone screaming for his arrest yet. They got Bernie Madoff quickly. Why not this guy? Is there more to come? It is still too early to know all the details, but the initial reports are riveting... of course it could also be fake news. Join us this week on Money Tree Investing's Beware of Inflation Episode with Kirk Chisholm and Barbara Friedberg. For more information, visit the show notes at https://moneytreepodcast.com/ftx-crash-453-beware-of-inflation Today's Panelists: Kirk Chisholm | Innovative Wealth Megan Gorman | The Wealth Intersection Follow on Facebook: https://www.facebook.com/moneytreepodcast Follow LinkedIn: https://www.linkedin.com/showcase/money-tree-investing-podcast Follow on Twitter: https://twitter.com/MTIPodcast

Have you automated your financial future so you can concentrate on what really matters to you.Our guest, Barbara Friedberg, talks about how you can get a really easy plan, that incorporates sound science about investing, to secure your financial tomorrow, even if you don't have an interest in finance or investment management.ABOUT OUR GUEST:Barbara A. Friedberg, MS, MBA is a former portfolio manager and university investments instructor. She's enjoying her dream with publishing credits on US News and World Report, Forbes, Investopedia, MSN Money and more. She helps others learn about personal finance and investing at BarbaraFriedbergPersonalFinance. and Robo-Advisor Pros. Her Encyclopedia of Personal Finance is a teaching tool for financial literacy.SUBSCRIBE to the show so you don't miss a single episode. Support the Show.

Have you automated your financial future so you can concentrate on what really matters to you. Our guest, Barbara Friedberg, talks about how you can get a really easy plan, that incorporates sound science about investing, to secure your financial tomorrow, even if you don't have an interest in finance or investment management. ABOUT OUR GUEST: Barbara A. Friedberg, MS, MBA is a former portfolio manager and university investments instructor. She's enjoying her dream with publishing credits on US News and World Report, Forbes, Investopedia, MSN Money and more. She helps others learn about personal finance and investing at BarbaraFriedbergPersonalFinance. and Robo-Advisor Pros. Her Encyclopedia of Personal Finance is a teaching tool for financial literacy. SUBSCRIBE to the show so you don't miss a single episode.  

This is a special interview this week where Barbara Friedberg interviews our host, Kirk Chisholm, about the top conservative options strategies that can be used to generate additional income for your portfolio. Options may be foreign to you, but these strategies pack a punch when you are looking for managing your risk, generating additional income or protecting your positions in a rocky market.   For more information, visit the show notes at https://moneytreepodcast.com/conservative-option-strategies-kirk-chisholm    Today's Panelists: Kirk Chisholm | Innovative Wealth Barbara Friedberg | Barbara Friedberg Personal Finance   Follow on Facebook: https://www.facebook.com/moneytreepodcast Follow LinkedIn: https://www.linkedin.com/showcase/money-tree-investing-podcast Follow on Twitter: https://twitter.com/MTIPodcast  

Paul talks with Barbara Friedberg, financial writer and former investment portfolio manager, about his popular 4 fund combo and how and why to implement it. Among their discussion is how the 4 fund combo strategy outperformed the S&P 500 over the last 92 years. From 1928 through 2020 the Merriman 4-fund portfolio earned an average annual return of 11.7% versus the S&P 500 average return of 10.00%. [This podcast is also available as a video at: https://youtu.be/vMFtJLAxFhI]. The Merriman Financial Education Foundation Four Fund Combo – - Small Cap Value - Small Cap Blend - Large Cap Value - S&P 500 Sign up for free at M-1 Finance and create your own 4 Fund Combo: https://m1finance.8bxp97.net/aXrzb (Affiliate Link – If you fund an account for $1,000 or more, The Merriman Financial Education Foundation receives a one-time affiliate fee.) Watch our M1 finance video tutorial with Chris Pedersen https://www.youtube.com/watch?v=02_KIRvBbmo Barbara A. Friedberg, MBA, is a former investment portfolio manager and university finance and investing instructor. She currently owns and manages two Investing websites: Robo-Advisor Pros https://www.roboadvisorpros.com/ and Barbara Friedberg Personal Finance https://barbarafriedbergpersonalfinance.com

Today on The Real Estate Raw Show Barbara A. Friedberg, MBA, MS is a former investment portfolio manager, expert investor, author of Personal Finance; An Encyclopedia of Modern Money Management, Invest and Beat the Pros-Crete and Manage a Winning Investment Portfolio and How to Get Rich; Without Winning the Lottery. Friedberg is a former university Finance and Investments instructor, and publisher of Robo-AdvisorPros.com and Barbara Friedberg Personal Finance.com. Her work has been featured in Investopedia, U.S. News & World Report, Yahoo!Finance, InvestorPlace, GoBankingRates, theBalance and many more publications. Buy Barbara's books: Invest And Beat The Pros Create and Manage A Successful Investment Portfolio: Best Research Supported Index Fund Strategy https://amzn.to/36rIWMq​ How To Get Rich: Without Winning The Lottery: A Guide To Money & Wealth Building https://amzn.to/3pzXb9z​ About Joe: Mr. Mendoza has a long track record of success. 100's of millions of dollars of real estate transactions. Hundreds of people mentored, coached, and trained. He's been on television, radio, and multiple publications. Are you looking for a trusted advisor in real estate? Perhaps help to get to the next level in business or life? Joe is the MAN! Buy Joe's NEW book "Flex With A Plex" on Amazon: https://amzn.to/30VHBus​ Looking for a new broker, real estate company, brokerage? Join me and EXP Realty now! We are in ALL 50 states, Canada, Australia, and United Kingdom (UK) http://becomearepro.com/​ Add "Joe Mendoza" is my sponsor. Find the deals! http://findhiddendeals.com/​ Hire someone else to answer your phones! http://myvahack.com/​ Having trouble with your real estate calculations? http://bestdarncalculator.com/​ Need an app while looking for deals: http://letsdrivefordollars.com/​ Ready to make some calls to leads? (Caution: Use your discretion and be aware of local and federal laws) http://ineedphonenumbers.com/​ Keep watching, subscribe, or reach out to Mr. Mendoza today for a private consultation, training, or speaking engagements. Joe Mendoza - California Broker DRE #01234540​ Top Real Estate Pro, Coach, Investor, and Speaker 100 E. San Marcos Boulevard, Suite 400 San Marcos, CA 92069 Office (877) 794-5227 --- Support this podcast: https://anchor.fm/therealestaterawshow/support

Barbara Friedburg wasn’t always the savvy investor and saver that many people know her as, but her background helped get her there. Born to parents of the great depression, Barbara had the traits of frugality and modesty instilled into her from a young age. Money was an open subject of discussion in Barbara’s household, unlike most households today. Her parents taught her to value money, not waste it, and be smart when you spend.Barbara’s innate financial intelligence was clearly shown when she met her husband. Within two weeks of them getting together, Barbara had already taken over her future husband’s finances and got his money into a retirement account. This led to them having a very financially healthy relationship, never spending more than they needed to, and putting a substantial amount of their income into savings and 401(k) accounts.Barbara then went on to become a financial planner, investor, consultant, and author. In a time where the market is so overvalued, she advises young people to be smart with their income and understand that wealth is built in the long-term, not through quick gambles. Save your money, invest it consistently, and get off the hedonic treadmill. “Don’t covet your neighbor’s BMW” is what she told us!Barbara also gives us an inside look into her current investments, and why she heavily favors passive index funds over single stock picks. She goes into short, medium, and long-term money, and the uses for each. For young people who haven’t gotten a grip on finances yet, this is a great episode to hear from someone who has done it successfully for decades!In This Episode We Cover Making sure that money is a topic often discussed in your family Knowing the value of money and fighting back the urge to spend frivolouslySaving a large amount of your income whenever possibleWhy Barbara doesn’t believe the FIRE Movement is attainable by mostWhy You HAVE to be diversified in order to succeedWhat to do with your short, medium, and long-term moneyAnd So Much More!Links from the ShowBiggerPockets Money Facebook GroupBiggerPockets ForumsFinance Review Guest OnboardingScott's InstagramMindy's TwitterHacking Hedonic Adaptation to Get Way More For Your MoneyFree Investing Resources Check the full show notes here: https://www.biggerpockets.com/moneyshow185

The markets are at all time highs, the US Federal Government is printing 1.9 Trillion dollars with the government bailout, and the Federal Reserve has virtually said they are going to print money until they run out of paper. Where should you invest your money today? That is the question on everyone's mind. We discuss some areas your should be looking at and where the market is changing that you might not be aware. Barbara Friedberg penned a great article, Where to invest in an overvalued market: https://barbarafriedbergpersonalfinance.com/where-invest-overvalued-market For more information, visit the show notes at https://moneytreepodcast.com/where-to-invest-today   Today's Panelists: Kirk Chisholm | Innovative Wealth Barbara Friedberg | Barbara Friedberg Personal Finance Megan Gorman | The Wealth Intersection

Barbara Friedberg with Good Financial Cents tells you why you must start investing right away. Episode 1405: Why You Must Start Investing Now by Barbara Friedberg with Good Financial Cents on Compound Interest Jeff Rose, CFP® is a Certified Financial Planner™, founder of Good Financial Cents, and author of the personal finance book Soldier of Finance. Jeff is an Iraqi combat veteran and served 9 years in the Army National Guard. His work is regularly featured in Forbes, Business Insider, Inc.com and Entrepreneur. The original post is located here: https://www.goodfinancialcents.com/why-you-must-start-investing-now/ Go to fubotv.com/optimal for 15% off your first month and a free trial. Please Rate & Review the Show!  Visit Me Online at OLDPodcast.com and in The O.L.D. Facebook Group  Join the Ol' Family to get your Free Gifts and join our online community: OLDPodcast.com/group   Interested in advertising on the show? https://www.advertisecast.com/OptimalFinanceDaily Learn more about your ad choices. Visit megaphone.fm/adchoices

Barbara Friedberg with Good Financial Cents tells you why you must start investing right away. Episode 1405: Why You Must Start Investing Now by Barbara Friedberg with Good Financial Cents on Compound Interest Jeff Rose, CFP® is a Certified Financial Planner™, founder of Good Financial Cents, and author of the personal finance book Soldier of Finance. Jeff is an Iraqi combat veteran and served 9 years in the Army National Guard. His work is regularly featured in Forbes, Business Insider, Inc.com and Entrepreneur. The original post is located here: https://www.goodfinancialcents.com/why-you-must-start-investing-now/ Go to fubotv.com/optimal for 15% off your first month and a free trial. Please Rate & Review the Show!  Visit Me Online at OLDPodcast.com and in The O.L.D. Facebook Group  Join the Ol' Family to get your Free Gifts and join our online community: OLDPodcast.com/group   Interested in advertising on the show? https://www.advertisecast.com/OptimalFinanceDaily Learn more about your ad choices. Visit megaphone.fm/adchoices

Barbara Friedberg with Good Financial Cents tells you why you must start investing right away. Episode 1405: Why You Must Start Investing Now by Barbara Friedberg with Good Financial Cents on Compound Interest Jeff Rose, CFP® is a Certified Financial Planner™, founder of Good Financial Cents, and author of the personal finance book Soldier of Finance. Jeff is an Iraqi combat veteran and served 9 years in the Army National Guard. His work is regularly featured in Forbes, Business Insider, Inc.com and Entrepreneur. The original post is located here: https://www.goodfinancialcents.com/why-you-must-start-investing-now/ Go to fubotv.com/optimal for 15% off your first month and a free trial. Please Rate & Review the Show! Visit Me Online at OLDPodcast.com and in The O.L.D. Facebook Group Join the Ol' Family to get your Free Gifts and join our online community: OLDPodcast.com/group Interested in advertising on the show? https://www.advertisecast.com/OptimalFinanceDaily --- Support this podcast: https://anchor.fm/optimal-finance-daily/support

Barbara Friedberg with Good Financial Cents tells you why you must start investing right away. Episode 1405: Why You Must Start Investing Now by Barbara Friedberg with Good Financial Cents on Compound Interest Jeff Rose, CFP® is a Certified Financial Planner™, founder of Good Financial Cents, and author of the personal finance book Soldier of Finance. Jeff is an Iraqi combat veteran and served 9 years in the Army National Guard. His work is regularly featured in Forbes, Business Insider, Inc.com and Entrepreneur. The original post is located here: https://www.goodfinancialcents.com/why-you-must-start-investing-now/ Go to fubotv.com/optimal for 15% off your first month and a free trial. Please Rate & Review the Show!  Visit Me Online at OLDPodcast.com and in The O.L.D. Facebook Group  Join the Ol' Family to get your Free Gifts and join our online community: OLDPodcast.com/group   Interested in advertising on the show? https://www.advertisecast.com/OptimalFinanceDaily

Our guest this week is Peter Hayes. Peter is a managing director at BlackRock where he heads the firm's municipal income group and sits on its global fixed-income Executive Committee. In his role, Peter oversees all aspects of municipal fund management, including portfolio management, research, strategy, and trading. Among his responsibilities, Peter is one of the managers of the BlackRock Strategic Opportunities Fund. In addition to these duties, Peter is also a member of BlackRock's Global Operating Committee. Before joining BlackRock in 2006, Peter was a portfolio manager at Merrill Lynch Investment Management, where he led the short-term tax-exempt trading desk and managed short-term municipal bond strategies. Peter earned a bachelor's in economics from the College of the Holy Cross.BackgroundPeter Hayes BioThe Big Picture“Local Finances Are Troubled, but Fund Investors May Still Profit,” by Carla Fried, nytimes.com, July 10, 2020.“Muni Investors Scale Back,” by Peter Hayes, blackrock.com, Oct. 7, 2020.“How Much Is COVID-19 Hurting State and Local Revenues?” by Louise Sheiner and Sophia Campbell, brookings.edu, Sept. 24, 2020.“Record Increases of new Covid-19 Cases in 3 U.S. States With the Most Population,” by Jay Croft, Christina Maxouris, and Douglas Wood, cnn.com, June 24, 2020.Stimulus“Second Stimulus Checks (10/1/20): What Will the Next Stimulus Package Look Like?” by Claudia Dimuro, pennlive.com, Oct. 2, 2020.“CARES Act Includes Essential Measures to Respond to Public Health, Economic Crises, But More Will Be Needed,” by Sharon Parrott and others, cbpp.org, March 27, 2020.Municipal Liquidity Facility definition“The Fed Says It Is Expanding its Municipal Bond Buying Program,” by Jeff Cox, cnbc.com, April 27, 2020. “U.S. Municipal Market Activity Witnessing Positive Momentum Post Fed’s Intervention,” by Nikhil Francis and Saswata Mohanty, acuitykp.com, Sept. 18, 2020.“Lawmakers Tangle Over Fed’s Muni-Market Rescue,” by Heather Gillers, morningstar.com, Sept. 17, 2020.“Riskier Fixed-Income Sectors Bounce Back in the Second Quarter,” by Gabriel Denis, Morningstar.com, July 6, 2020.Credit“Municipal Bond Perspective: Where We Go From Here,” beyondbullsandbears.com, April 24, 2020.“How Is the Coronavirus Crisis Affecting the Municipal Bond Market?” by Daniel Bergstresser, econofact.org, April 8, 2020.“Bond Insurance Returns to the Muni Market in a Big Way,” by Heather Gillers, wsj.com, Oct. 22, 2020.“Muni Bond Insurers See Demand Grow Amid Pandemic Worries,” by Liz Kiesche, seekingalpha.com, Oct. 22, 2020.Supply and Demand“Municipal Bond Market Update—September Edition,” by Corey Boller, dividend.com, Sept. 10, 2020.“Supply and demand shocks in the COVID-19 pandemic: an industry and occupation perspective,” by R Maria del Rio-Chanona and others, academic.oup.com, Aug. 29, 2020. “Will Supply-Chain Disruptions and Delayed Capital Spending Be Material,” by Brian Bernard, Morningstar.com, March 25, 2020.“Munis in Focus: 2020 Municipal Market Update,” by David Hammer, pimco.com, Sept. 11, 2020.“Global Supply Chains in a Post-Pandemic World,” by Willy C. Shih, hbr.org, Sept.-Oct. 2020.“Reviving States, Cities and the Munibond Market Amid COVID-19,” by Brian Wynne, morganstanley.com, April 27, 2020.“Revenue Streams Drying Up? Municipal Bonds in the Pandemic,” by Dennis DiCicco, jhinvestments.com, Aug. 20, 2020.Taxes“Calculating Tax Equivalent Yield: Are Municipal Bonds Right for You?” by Thomas Kenny, thebalance.com, May 11, 2020.“7 Best Tax-Free Municipal Bond Funds,” by Barbara Friedberg, money.usnews.com, Oct. 7, 2020.“Taxable Munis? They’re Worth a Look,” by Jeffrey R. Kosnett, Kiplinger.com, Jan. 2, 2020.“Coronavirus Fears Affect the Municipal Bond Market,” by Cooper Howard, schwab.com, March 18, 2020.“What Is the Muni-Treasury Ratio or M/T Ratio?” by Thomas Kenny, thebalance.com, July 29, 2020.Portfolio/PositioningStrategic Municipals Opportunities Fund“Muni Market Tailwinds Turn to Headwinds,” by Peter Hayes and Sean Carney, blackrock.com, April 2, 2020.“Short Term Treasuries Are ‘Overvalued’: BlackRock Muni Bonds Head,” Peter Hayes on “On the Move” video panel, finance.yahoo.com, Sept. 18, 2020.“Stay the Course Amid Market Volatility,” blackrock.com.“Volatility, the Vote and Taking the Long View,” by Tony DeSpirito, blackrock.com, Oct. 12, 2020. Issue Selection“How Munis Can Boost Your Investment Health,” gsam.com, Oct. 5, 2020.“How to Invest in Municipal Bonds,” by Miranda Marquit, forbes.com, July 9, 2020.“Small Investors Ruled the Municipal-Bond World for a few Days in March,” by Heather Gillers, wsj.com, May 7, 2020.“How and Why to Build a Bond Ladder,” fidelity.com, Sept. 17, 2020.“Rising Rates Series: The Ups and Downs of Bond Ladders,” by Karen Schenone, fundsociety.com, June 4, 2018.“2011: The Year 60 Minutes Misled Americans About Municipal Bonds,” by Janet Tavakoli, businessinsider.com, Dec. 30, 2011.

On this show, we talked about robo-advisors, how the industry has changed, how they’re changing financial services, and what to expect in the future with Barbara Friedberg, MBA, Expert Investor, Author, and FinTech Consultant.  Listen to learn if robo-advisors are right for you and how to choose one!  For the Difference Making Tip, scan ahead to 19:31! You can learn more about Barbara at Robo-AdvisorPros.com, BarbaraFriedbergPersonalFinance.com, Twitter, Facebook and LinkedIn. We’re honored to have been named one of the top podcasts from investing! We’re on YouTube, check us out! George is honored to be included on Investopedia's list of the Top 100 Financial Advisors for 2019! Have George speak to your organization. You can learn more about the show at GeorgeGrombacher.com, Twitter, LinkedIn, Instagram and Facebook or contact George at Contact@GeorgeGrombacher.com.

Learn why that can cost you money and how some of the top investors look at historical stock market returns. We dig into past performance and discuss how you can use that to benefit your portfolio. We interview seasoned stock market veteran, Barbara Friedberg about how you should look at historical stock market returns. For more information, visit the show notes at https://moneytreepodcast.com/288

Back by popular demand, Kirk Chisholm, Megan Gorman and Barbara Friedberg discuss a market update for today March 12, 2020. Today we are discussing the coronavirus, the big oil price drop and the supply chain disruption... and most importantly, what to do with your portfolio now.  Listen to three experts tell you how to manage your investments during this market turmoil... And we do it without scaring you. For more information, visit the show notes at https://moneytreepodcast.com/market-update-3-12-20-our-panelists-opinions-on-coronavirus-supply-chain-disruptions-and-oil-price-drop

Who are the US budget's renewable energy stock and ETF winners and losers? Using MSCI and proprietary methodologies Investor’s Business Daily creates its best 50 ESG companies ranking. New PIMCO ESG money market fund. Innovative and only Catholic long/short mutual fund. New ethical and sustainable robo advisors. My 1-hour investor tutorial reduced in price! More PODCAST: US Budget’s Renewable Energy Winners. And More… Transcript & Links, Episode 21, December 20, 2019 Content: (1) US Budget’s Renewable Energy Winners. And More… (2) US Budget’s Renewable Energy Winners. And More… (3) 7 Apps for Socially Responsible Investing (4) Conflicting ESG Ratings Are Confusing Sustainable Investors (5) 50 Best ESG Companies: A List Of Today's Top Stocks For Environmental, Social And Governance Values (6) PIMCO Enhanced Short Maturity Active ESG ETF (7) Catholic Investor Long/Short Equity Fund ------------------------------------------------------------- Hello, Ron Robins here. Welcome to podcast episode 21 titled “US Budget’s Renewable Energy Winners. And More…” for December 20, 2019—presented by Investing for the Soul. investingforthesoul.com is your site for vital global ethical and sustainable investing news, commentary, information, and resources. ------------------------------------------------------------- Special Holiday Offer: 50% Off My On-of-a-Kind Investor Educational Tutorial! Now, as I mentioned in my last podcast, I have a terrific holiday offer for you! It’s 50% off the price of my one-of-a-kind investor educational tutorial for all, my DIY Ethical Sustainable Investing Pays tutorial! Learn in 1-hour how to create an ethical-sustainable investment portfolio with ultra-low costs! No financial knowledge needed. Money-back guarantee. The tutorial is reduced temporarily from US$49.95 to just US$24.95 as a special for the holidays. Take advantage of it now by going to my site investingforthesoul.com/podcasts and click the link half-way down the right-hand column. Enroll now while the price lasts! ------------------------------------------------------------- Now to this episode. Remember that you can find a full transcript, live links to content, and often bonus material to these podcasts at their episodes’ podcast page located at investingforthesoul.com/podcasts. And, Google any terms that are unfamiliar to you. ------------------------------------------------------------- (1) US Budget’s Renewable Energy Winners. And More… First, a note about the recent US budget and its renewable energy winners and losers. It provides for another year the continuation of tax credits for wind power but not for solar. It certainly isn’t positive for US-based solar power companies. However, from a global perspective – and even for the US – solar power will continue to make headway. Writing about how the new US budget affects renewable energy producers is Maxx Chatsko of the Motley Fool. He says in an article titled 2 Renewable Energy Winners and 2 Losers in the Latest Federal Budget that “The production tax credit extension could provide a lift to power generators and electric utilities such as Xcel Energy (NASDAQ:XEL), which has 2,022 megawatts of wind power capacity coming on line in 2020 and 2021.” End quote. A second winner of the budget deal Mr. Chatsko feels is the Renewable Energy Group (NASDAQ:REGI). He writes that “[It’s] the nation's largest biodiesel producer… The business estimates that it will receive a $450 million windfall from renewable fuel production from the start of 2018 through the third quarter of 2019. If production volumes continue to increase in the near future, then the three-year extension could result in an additional $1 billion in total tax credits for the company.” End quote. Mr. Chatsko says the losers from the budget are small-scale solar power companies like SolarEdge Technologies (NASDAQ:SEDG) and electric vehicle producers such as Tesla (NASDAQ:TSLA) and General Motors (NYSE:GM). For more details read his article. ------------------------------------------------------------- (2) US Budget’s Renewable Energy Winners. And More… Also, in light of the US budget deal, consider what Ben Hernandez says about three alternative power ETFs in an article titled, Investors Shouldn’t Forget to Power Portfolios with Alternative Energy. He writes that, quote, “One ETF to look at is the Global X Lithium & Battery Tech ETF (NYSEArca: LIT)... [it’s] nearly nine years old [and] tracks the Solactive Global Lithium Index… One of the oldest thematic ETFs, Global X Lithium & Battery Tech ETF is designed to provide exposure to ‘the full lithium cycle, from mining and refining the metal, through battery production,’ according to Global X.” End quote. The second ETF Mr. Hernandez suggests tracks global wind power companies. He states that “Investors who want to capitalize on increasing reliance on wind as an alternative energy resource… can look at the First Trust Global Wind Energy ETF (NYSEArca: FAN). The fund seeks investment results that correspond generally to the price and yield of an equity index called the ISE Clean Edge Global Wind EnergyTM Index… [Which] provides a benchmark for investors interested in tracking public companies throughout the world that are active in the wind energy industry.” End quote. Then for a third choice, he writes that “For investors looking for more broad-based exposure to alternative energy can give the SPDR Kensho Clean Power ETF (NYSEArca: CNRG) a look. [It] seeks to provide investment results that correspond generally to the total return performance of the S&P Kensho Clean Power Index, which is designed to capture companies whose products and services are driving innovation behind clean power.” End quote. ------------------------------------------------------------- (3) 7 Apps for Socially Responsible Investing Continuing on the subject of ethical and sustainable investing robo advisers from previous episodes, Barbara Friedberg wrote on the US News site her latest recommendations. They’re in a post titled 7 Apps for Socially Responsible Investing. Her top apps are M1 Finance, Axos Invest, Ellevest, OpenInvest, SoFi Invest, Personal Capital, and Betterment. These include several she hadn’t mentioned before, which are Axos, Ellevest, OpenInvest, SoFi Invest, and Personal Capital. Go to her article to see her reviews. ------------------------------------------------------------- (4) Conflicting ESG Ratings Are Confusing Sustainable Investors Now, for many of you who do your own company research, you probably wonder if the ESG scores you see are similar among the top ESG ratings’ firms. Well, a study by MIT Sloan School of Management says only rarely! The study was discussed in a Bloomberg piece by Jacqueline Poh, titled Conflicting ESG Ratings Are Confusing Sustainable Investors. The research included company ESG raters: Asset4, KLD, RobecoSAM, Sustainalytics, and Vigeo-Eiris. However, another major rater, MSCI, was not included. ------------------------------------------------------------- (5) 50 Best ESG Companies: A List Of Today's Top Stocks For Environmental, Social And Governance Values I just mentioned that MSCI’s company ESG ratings were missing from the MIT study. However, coincidentally, the US publication Investor’s Business Daily has recently published an article titled 50 Best ESG Companies: A List Of Today's Top Stocks For Environmental, Social And Governance Values – based on MSCI data. Investor’s Business Daily – or IBD – also has its own ratings that are applied to the MSCI scores. To understand IBD’s ratings go to Scott Lehtonen’s post titled How To Find And Buy The Top ESG Stocks In The Current Stock Market Rally on the IBD site. (The above links don’t work directly. Copy and paste these urls to your browser.) https://www.investors.com/research/how-to-find-and-buy-the-top-esg-stocks-in-the-current-stock-market-rally/ https://www.investors.com/research/best-esg-companies-top-stocks-environmental-social-governance-values/ ------------------------------------------------------------- (6) PIMCO Enhanced Short Maturity Active ESG ETF Now, do you need to park some cash in a money market fund but would prefer one that’s ESG based? Well, the following fund might be for you. PIMCO, a leading US bond firm, has recently launched a new type of money market fund. It’s called PIMCO Enhanced Short Maturity Active ESG ETF (NYSEArca: EMNT). Writing in ETFdb.com, in a post titled PIMCO Releases Active ESG ETF ‘EMNT’ Aaron Neuwirth says it “aims to offer higher income than traditional cash investments, with a modest increase in risk and focuses on issuers with high quality environmental, social, and governance (ESG) practices.” End quote. ------------------------------------------------------------- (7) Catholic Investor Long/Short Equity Fund Finally, an innovative religious-values fund that’s really breaking new ground! It’s the Catholic Investor Long/Short Equity Fund. Quoting from a press release, “The Catholic Investor Long/Short Equity Fund is the only Catholic long/short mutual fund in the world, aimed at satisfying the needs of investors who appreciate ethical values-based investing. The Fund adheres to the investing principles outlined by the United States Conference of Catholic Bishops (USCCB).” End quote. Note though, that as a mutual fund, it’s probably only available to US investors. Don’t forget you can Google any terms that might be unfamiliar to you. ------------------------------------------------------------- Well, these are my top news stories and tips for ethical and sustainable investors over the past two weeks. Again, to get all the links or to read the transcript of this podcast and sometimes get additional information too, please go to investingforthesoul.com/podcasts and scroll down to this episode. And be sure to click the like and subscribe buttons in iTunes/Apple Podcasts or wherever you download or listen to this podcast. Also, please click the share buttons to share this podcast with your friends and family. That way you can help promote not only this podcast but ethical and sustainable investing globally. So, let’s help create a better world with our investments! Contact me if you have any questions. ------------------------------------------------------------- Special Holiday Offer: 50% Off My On-of-a-Kind Investor Educational Tutorial! And again, don’t miss out on my terrific holiday offer for you! 50% off the price of the one-of-a-kind investor educational tutorial for all, my DIY Ethical Sustainable Investing Pays tutorial! Temporarily reduced from US$49.95 to just US$24.95! Go now to my site investingforthesoul.com/podcasts and click the link half-way down the right-hand column. ------------------------------------------------------------- Talk to you again on January 3. Wishing you a most wonderful joyous and healthy holiday and happy New Year. Bye for now. Thank you for listening. © 2019 Ron Robins, Investing for the Soul.

Barbara Friedberg has an MBA and a Master's in Science. She is a veteran Portfolio Manager, FinTech consultant, expert investor, and former university finance instructor. She is editor-author of Personal Finance: An Encyclopedia of Modern Money Management, Invest in Beat the Pros and How to Get Rich. She is CEO of Robo-Advisor Pros, a Robo advisor review and information website. Additionally, she is the publisher of the well-regarded investment website Barbara Friedberg Personal Finance. Her work is found on U.S. News & World Report, Business Daily, Investopedia, Go Banking Rates, Investor Place, MSNBC and MSN Money, Entrepreneur, and many other places.   “Buying, although it's got a certain psychological benefit of owning your own home, financially, it may not be the best way to build wealth.” Barbara Friedberg   Worst investment ever Barbara and her husband are not newbies to the real estate market, having bought their first home in their 20s and 30s. It was while living in California and after having their daughter that they decided to move to another cheaper region. The couple realized that their lifestyle would be crazy trying to work and raise a family in California, so they decided to move to the Midwest. Even the most experienced make the worst investment decisions After selling their home for a tidy sum, they went house shopping in Indianapolis. To their delight, homes in Indianapolis were much cheaper than in California. Excited, they forgot the most important rule of buying a home: do your research. Struck by the relatively low real estate prices, they went all in and bought a beautiful four-bedroom home in a brand new community. The investment wasn’t so good after all After two years, Barbara’s husband had to change jobs, which meant they had to move. Selling the home was not as smooth as they expected. No one wanted to buy the house. What they would have realized had they done their research is that locals preferred houses with a basement, and theirs didn’t have one. The other problem they didn’t anticipate was Barbara’s decoration. See, she loves modern style decorations, so she’d decorated every room to her taste. Not to say, her taste is poor, but the decorating style in Indiana leans more towards traditional than modern. So her house was not the plum that she thought, given the area of the country they were living. When they listed their house on the market, it did not get a lot of traction. Ultimately, they did end up selling the house two years after they’d bought it for a loss of $25,000. Lessons learned Know your neighborhood before buying your first home Before you buy a home, do your research and understand the neighborhood well. Find out what are the must-haves for local home buyers. If everyone wants a house with a basement, buy a house with a basement. This will help sell the house faster when the time to sell comes. If you're going to sell in a certain region, you want to make sure the house fits in with the norms of the region. Buy a home only if you’re sure you’ll live in it for at least five years Buying a home is an expensive venture, and so is moving. Don’t buy a home unless you are pretty certain that you're going to stay in that property or hang on to that property for five to seven years. Real estate investments appreciate slowly Unlike the stock market, which is quite volatile, the real estate market is much more stable and moves slowly. So unless you are planning on staying in a house for five to seven years, don't buy, rent instead. Buying a house and expect to sell it for profit in the next one or two years is very difficult. Andrew’s takeaways Just because it's cheap doesn't mean you have to buy it Just because a house is cheaper than you expected it to be, does not mean that you should buy it. Consider all other factors of buying a home on top of the price. You may realize that it’s not a worthy investment in the long run. Do your research before you buy that home When investing in a home outside of your area, be careful. Take time, think about it, do your research, and make sure that it’s the best thing to do. Forget the American Dream to buy If you're going to stay someplace for less than five years, rent. You don’t have to follow the so-called American dream to buy. Sometimes it’s more beneficial to rent. Actionable advice Don't buy a home just because you are impressed by its grandness. Consider what's important to you in life. Consider if the house truly fits your needs putting in mind the future as well as your current situation. No. 1 goal for the next 12 months Barbara has been working very hard on Robo-Advisor Pros and intends to continue to make the website the premier site to learn about Robo advisors. These are automated digital low-fee investment advisors. She believes that they can be a helpful tool for individuals to manage their money at a very low cost. Her goal for the 12 months is to continue to build that asset up to help people learn to build wealth, smartly and affordably. Parting words   “Buying is not for everyone. Whether you buy a rental property or own your own home, it will be a ton of work. Don’t be afraid to consider renting if you can’t handle the work.” Barbara Friedberg   Andrew’s books How to Start Building Your Wealth Investing in the Stock Market My Worst Investment Ever 9 Valuation Mistakes and How to Avoid Them Transform Your Business with Dr. Deming’s 14 Points Andrew’s online programs Valuation Master Class Women Building Wealth The Build Your Wealth Membership Group Become a Great Presenter and Increase Your Influence Transform Your Business with Dr. Deming’s 14 Points Connect with Barbara Friedberg LinkedIn Twitter Website Facebook Pinterest Books on Amazon Robo-Advisor Pros Connect with Andrew Stotz astotz.com LinkedIn Facebook Instagram Twitter YouTube My Worst Investment Ever Podcast  

A discerning reviewer discusses their seven best socially responsible and ESG fund picks. Two experts give conflicting recommendations on robo advisors for ethical and sustainable investors. Know the top ten stocks in ESG fund portfolios. Replacing old wind turbines with new ones leads to increasing profits and potential dividends for three renewable energy operators. More PODCAST: Top ESG Funds, Stocks, Robo Advisors and More… Transcript & Links November 8, 2019 Hello, Ron Robins here. Welcome to my podcast Ethical & Sustainable Investing News to Profit By! for November 8, 2019—presented by Investing for the Soul. investingforthesoul.com is your site for vital global ethical and sustainable investing news, commentary, information, and resources. And, Google any terms that are unfamiliar to you. Also, you can find a full transcript, live links to content, and often bonus material to these podcasts at their episodes’ podcast page located at investingforthesoul.com/podcasts. Now to this podcast! ------------------------------------------------------------- This episode! 1. 7 Best US Socially Responsible Mutual Funds 2. Best Robo Advisors for Socially Responsible & ESG Investors 3. Fund Managers’ Favorite ESG Stocks 4. 1 Renewable-Energy Growth Story That Dividend Investors Won't Want to Overlook 5. 3 Clean Energy ETFs for a Brighter Future ------------------------------------------------------------- 1. 7 Best US Socially Responsible Mutual Funds For US investors Barbara (Freedberg) Friedberg writes about her 7 Best Socially Responsible Mutual Funds. Now her seven picks are: 1) Vanguard FTSE Social Index Fund Admiral Shares (ticker: VFTAX) She says about this fund that “With nearly 500 companies, financials, health care, technology, industrials and consumer services are the most highly represented sectors… [It has] a 0.14% expense ratio... [and] this green mutual fund offers a 1.6% yield. The 21.1% year-to-date return is higher than the category performance.” End quote. 2) Parnassus Endeavor Fund (PARWX) Quoting her, she writes, “[The] Parnassus Endeavor Fund seeks out companies with excellent workplace environments and avoids fossil fuel investments… Year-to-date returns of 21.2%.” End quote 3) Pax Elevate Global Women's Leadership Fund (PXWIX) About this fund, Ms. Friedberg says, “Research indicates that companies with greater numbers of women in leadership roles have better performance across multiple factors, says Daniel Kern, chief investment officer of TFC Financial Management in Boston... The fund sports a reasonable expense ratio of 0.56% and a 1.9% dividend yield.” End quote. 4) Calvert Bond Fund (CSIBX) About which she writes, “Top holdings include U.S. Treasury notes and bonds as well as issues from Freddie Mac, Avis Budget Rental Car (CAR), Citigroup (C) and International Finance Corporation. Launched in 1987, the fund has an 8.2% percent year-to-date return.” End quote. 5) Calvert International Opportunities Fund (CIOAX) Ms. Friedberg comments on this fund that, “[It] holds fewer companies exposed to fossil fuels, carbon emissions, and tobacco than do the companies included in the MSCI EAFE Small- and Mid-Cap Index. The fund enjoys an 11.4% year-to-date return. The expense ratio is a hefty 1.35% but with a 1.32% yield.” End quote. 6) Fidelity U.S. Sustainability Index Fund (FITLX) Concerning this fund, Ms. Friedberg says, “[It] targets large- to mid-capitalization U.S. companies with high ESG scores… The fund has a 1.1% yield and a rock-bottom expense ratio of 0.11%. The 21% year-to-date return slams the 18.9% category average.” End quote. And finally, 7) Ave Maria Bond Fund (AVEFX) Quoting Ms. Friedberg on this fund she writes, “Winner of the 2019 Lipper Fund Award for the best of 42 A-rated corporate bond funds, the Ave Maria family is the largest [US] Catholic mutual fund family... The year-to-date return is 6.5% with a moderate expense ratio of 0.5%. The current yield is 1.8%, lower than many corporate bond funds, likely due to the inclusion of stocks within the portfolio.” End quote. ------------------------------------------------------------- 2. Best Robo Advisors for Socially Responsible & ESG Investors Now, I'm going to cover a piece about robo advisors,  Though reference will be to US robo advisors, a few of these advisors might be operational in other countries too. Well it seems that not everyone can agree on the best robo advisors though some recommendations do overlap! On my September 27, 2019, podcast, Investopedia recommended: M1 Finance Read review Motif Investing Read review Interactive Advisors Read review Personal Capital Read Review Now, in this article by Barbara Friedberg, titled, 5 Best Robo Advisors for Managing ESG Funds, recommends: M1 Finance. Betterment. EarthFolio. Wealthsimple. Motif Impact Portfolios. For robo advisor descriptions, go to the article’s link on this edition’s podcast page. This is the second article by Ms. Friedberg I’ve covered in this podcast. She’s obviously performing excellent work for the ethical and sustainable investing community! ------------------------------------------------------------- 3. Fund Managers’ Favorite ESG Stocks So, in this podcast, we’ve so far covered the best ethical and sustainable investing funds and robo advisors. Now, let’s talk a little about the best ethical and sustainable investing stocks! Brendon Coffey in a Forbes post titled, Here Are Fund Managers’ Favorite ESG Stocks, can help us in this regard. He also explains in his post how he went about this research. Here are the top ten stocks he found in the funds: Microsoft (MSFT), The Walt Disney Co (DIS), Alphabet Inc. (GOOGL & GOOG), Danaher Corp, (DRH), Mastercard (MA), Verisk Analytics Inc, (VRSK), Linde PLC (LIN.L), American Express Co. (AXP), and Costco Wholesale Corp, (COST). His post is replete with a discussion about the pros and cons of many companies held by these funds. So, his post is well worth a read. ------------------------------------------------------------- 4. 1 Renewable-Energy Growth Story That Dividend Investors Won't Want to Overlook If you’re looking for dividends and yield possibilities in renewable energy companies you should read Matthew DiLallo’s Motley Fool article titled, 1 Renewable-Energy Growth Story That Dividend Investors Won't Want to Overlook. The growth story he says is that “With today's larger wind turbines able to generate more power, wind farm operators are increasingly looking to repower legacy locations. It also certainly helps that they can earn high returns on investment with these projects, which will allow them… to increase their dividends. That's why income-focused investors won't want to overlook this key trend.” End quote. Here’s what he says about three leading companies engaged in this sector. He first writes about TerraForm Power (NASDAQ:TERP), Mr. DiLallo says that “TerraForm Power currently has three repowering projects under development… The company would replace turbines built about a decade ago with newer ones that have larger rotors, enabling them to produce 25% to 30% more power than the existing ones… [He adds] the company could increase its payout toward the higher end of its 5% to 8% annual target range through 2022 thanks to these wind repowering projects.” End quote. His second pick is NextEra Energy Partners (NYSE:NEP). About this company he writes, “NextEra Energy Partners also has some wind repowering projects under way… These investments will generate more than a 10% return on investment, helping grow the cash flow… and increases NextEra Energy Partners' ability to grow its dividend toward the high end of its 12% to 15% annual range through 2024.” End quote. His final choice is Pattern Energy (NASDAQ:PEGI), which he says is “is working on a project to repower its Gulf Wind facility… The project is an essential piece of the company's strategy to reduce its dividend payout ratio from 99% last year to a more comfortable 80% by the end of 2020. Once it achieves that targeted level, it could start growing its dividend once again.” End quote. ------------------------------------------------------------- 5. 3 Clean Energy ETFs for a Brighter Future Now Todd Shriber has written a post titled, 3 Clean Energy ETFs for a Brighter Future on the InvestorPlace site. He says that I quote, “These clean energy ETFs have been winners this year and will keep that bullishness going in 2020.” End quote. First, of the three ETFs, Mr. Shriber writes about is iShares Global Clean Energy ETF (NASDAQ:ICLN). About this ETF he says, “[It] is one of the oldest and largest green energy ETFs. In fact, iShares Global Clean Energy ETF, which debuted in mid-2008, has $376.2 million in assets under management, making it the second-largest green energy ETF overall.” End quote. The second ETF is the ALPS Clean Energy ETF (CBOE:ACES). About it he says, “[It’s] about 16 months old, making it one of the newer members of the green energy ETF competition, but the fund has been a stud since coming to market. This year’s gain of more than 22% proves as much.” End quote. The third pick is the Global X YieldCo & Renewable Energy Income ETF (NASDAQ:YLCO) which he says, “has a trailing 12-month dividend yield of 3.46%.” adding that, “These days, that’s sturdy regardless of asset class.” And then remarks that “The dividend buffer keeps Global X YieldCo & Renewable Energy Income ETF’s volatility low relative to standard green energy ETFs… However, that hasn’t weighed on performance as the fund is higher by more than 11% year-to-date.” End quote. ------------------------------------------------------------- So, these are my top news stories and tips for ethical and sustainable investors over the past two weeks. Again, to get all the links or to read the transcript of this podcast and sometimes get additional information too, please go to investingforthesoul.com/podcasts and scroll down to this episode. And be sure to click the like and subscribe buttons in iTunes/Apple Podcasts or wherever you download or listen to this podcast and please click the share buttons to share this podcast with your friends and family. That way you can help promote not only this podcast but ethical and sustainable investing globally and help create a better world for us all. Please don’t hesitate to contact me if you have any questions about the content of this podcast or anything else related. Now, a big thank you for listening. Come again! And my next podcast is scheduled for November 22. See you then. Bye for now.   © 2019 Ron Robins, Investing for the Soul.

Veteran portfolio manager Barbara Friedberg is also an author, fintech consultant, and former university finance instructor.   She joins us today to talk about roboadvising.   Then, Tim Picciott and Andy Wang join Kirk and Miranda on the panel to dig deeper into roboinvesting.   For more information, visit the show notes at http://moneytreepodcast.com/249 

On this show, we talked about all the ways technology is impacting investing, specifically 401(k) plans, with Barbara Friedberg, owner of RoboAdvisorPros.com, author and former portfolio manager.  Listen to learn what you can do if your company doesn’t offer a 401(k) or you’d like to make changes to the existing plan! For the Difference Making Tip, scan ahead to 22:14! You can learn more about Barbara at RoboAdvisorPros.com, Twitter, and LinkedIn. Here are the articles Barbara referenced in the show 1, 2, 3 Please subscribe to the show however you’re listening, leave a review and share it with someone who appreciates good ideas. You can learn more about the show at GeorgeGrombacher.com, Twitter, LinkedIn, Instagram and Facebook or contact George at Contact@GeorgeGrombacher.com.

On this show, we talked investing via Robo-Advisors with Barbara Friedberg, an author, teacher, podcaster, former portfolio manager and publisher of RoboAdvisorPros.com. Listen to find out what Barbara thinks the future holds for these disruptive and cost saving technologies! For the Difference Making Tip, scan ahead to 16:33 You can learn more about Barbara at RoboAdvisorPros.com, BarbaraFriedbergPersonalFinance.com , Facebook, LinkedIn, and Twitter. Please subscribe to the show however you’re listening, leave a review and share it with someone who appreciates good ideas. You can learn more about the show at GeorgeGrombacher.com, or contact George by clicking here.

- Barbara Friedberg, Personal Finance Writer and Former Portfolio Mgr. - Please call 1-800-388-9700 for a free review of your financial portfolio

Today’s Best Ever guest gives you two Stock Market tips to apply in your real estate investing. Plus she gives you advice for how to minimize your risk when you get started investing in real estate. Barbara Friedberg’s real estate background: –        Veteran portfolio manager, has a master’s degree in business administration and is a former university finance instructor and based in San Jose, California –        Author of multiple investing books including Invest and Beat the Pros- Create and Manage a Successful Investment Portfolio  – buy em here: –        Say hi to her and learn personal finance tips at –        Host of the popular podcast Young & Oldish Money

Barbara Friedberg and I dig into the differences between active and passive investment strategies. She supplies a wealth of information on exchanged traded funds. Barbara definitely has the heart of a teacher and she shares my passion for helping women take a more active role in their wealth management process. You can find show notes and more information by clicking here: http://bit.ly/29MKu48

Today’s Best Ever guest gives you two Stock Market tips to apply in your real estate investing. Plus she gives you advice for how to minimize your risk when you get started investing in real estate.  Best Ever Tweet:   Buy in a low cost of living area.   Barbara Friedberg’s real estate background: -        Veteran portfolio manager, has a master’s degree in business administration and is a former university finance instructor and based in San Jose, California -        Author of multiple investing books including Invest and Beat the Pros- Create and Manage a Successful Investment Portfolio  - buy em here: -        Say hi to her and learn personal finance tips at -        Host of the popular podcast Young & Oldish Money    Subscribe in    and    so you don't miss an episode!     Sponsored by Patch of Land - Could you do more deals if you had more money? Let the crowdfunding platform, Patch of Land, find investors for you and fund your next deal…and your next deal…and your next deal…and…well, just go find out more at