Podcast appearances and mentions of cash reserve

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Best podcasts about cash reserve

Latest podcast episodes about cash reserve

ThimbleberryU
Why a HELOC is NOT A Cash Reserve

ThimbleberryU

Play Episode Listen Later Jan 27, 2025 13:30


In this episode of ThimbleberryU, we dive into a critical financial planning misconception: using a HELOC (home equity line of credit) as a cash reserve. This approach can increase financial risk and reduce flexibility, and we offer smarter alternatives for financial security.Amy begins by explaining what a HELOC is—a line of credit secured by the equity in your home that operates much like a credit card, but with a variable interest rate and lender-imposed limitations. Unlike cash in the bank, which is liquid and entirely within your control, a HELOC is borrowed money subject to lender discretion. Amy recalls the 2008 financial crisis when many lenders reduced or froze HELOCs due to economic downturns. If a HELOC were someone's sole cash reserve, they might find themselves without access to funds when they need them most.There's also the unpredictable nature of HELOCs. Factors like interest rate variability, declining home values, or personal credit score changes can make repayment more expensive or render the HELOC inaccessible. Relying on this type of borrowing creates new debt, adds to monthly financial burdens, and can even endanger your home if you're unable to make payments.Amy emphasizes the importance of building a liquid cash reserve as the cornerstone of financial planning. She advises saving three to six months' worth of living expenses in a savings or money market account. This cash reserve acts as a financial "life jacket," offering immediate access to funds during emergencies without incurring debt or lender restrictions.While a HELOC should not serve as a cash reserve, Amy acknowledges it can have a place in a financial plan. For example, it can be a useful tool for home improvement projects, provided it is used strategically and repaid responsibly. A cash reserve is like a life jacket and a HELOC is like a paddle—both valuable, but with distinct purposes.You should approach emergency funds with a clear purpose. Start small, save consistently, and remember that a solid cash reserve is the foundation of financial stability. A HELOC, while useful in certain scenarios, is not a replacement for cash. To get in touch with Amy and her team at Thimbleberry Financial, call 503-610-6510 or visit thimbleberryfinancial.com.

Money Mastery UNLEASHED
From Windfall to Wealth: Smart Strategies for Managing a Large Cash Reserve's

Money Mastery UNLEASHED

Play Episode Listen Later Jan 23, 2025 13:48


In this episode of the Money Mastery Unleashed podcast, host Adam Olson dives into a real-life case study featuring a couple who inherited a significant sum of money and needed guidance on how to manage it. With $850,000 in cash from life insurance and the sale of a farm, these clients—referred to as Jack and Jill—were uncertain about their next financial steps. Adam walks listeners through the detailed process he used to help them navigate their financial decisions, offering practical advice for anyone who may find themselves in a similar situation. Jack and Jill were careful savers but wanted to improve their lifestyle without depleting their inheritance. Their goals included taking annual family vacations, treating their children to dinners or events, and preparing for early retirement at age 60. Adam developed a strategy that not only secured their retirement but also allowed them to enjoy an enhanced lifestyle. He explains how he helped them allocate $50,000 to an emergency fund and invested the remaining $800,000 in dividend-paying stocks, generating over $25,000 annually in qualified dividends. These dividends were used to fully fund their Roth IRAs, ensuring future tax-free income at retirement. The episode also covers how Adam addressed the couple's concerns about long-term care. By converting their existing whole life insurance policies into a new indexed universal life contract with a long-term care rider, Jack and Jill eliminated their nursing home risk and lowered their premiums. This case study offers invaluable insights for listeners on how to grow wealth, secure retirement, and protect assets for future generations. Whether you have inherited wealth, sold a business, or simply accumulated cash over time, this episode provides actionable strategies for financial security and peace of mind. Tune in to learn how you can make the most of your cash and achieve your financial goals! “You have several options when you have a sizable amount of cash sitting in the bank account. One, you can spend it, or two, you can save it.” Key Takeaways: Managing funds wisely without depleting it Increase lifestyle modestly without compromising financial future Increasing tax-free retirement income Long-term care risk Learn more about Adam Olson by visiting the following links: Facebook Personal Website Business Website -- Investing involves risk, including loss of principal.    Be sure to understand the benefits and limitations of your available options and consider all factors prior to making any financial decisions.  Any strategies discussed may not be suitable for everyone.  Securities and advisory services offered through Mutual of Omaha Investor Services, Inc. Member FINRA/SIPC.  Adam Olson, Representative.  Mutual of Omaha Investor Services is not affiliated with any entity listed herein.  This podcast is for educational purposes only and may include references to concepts that have legal and/or tax implications. Mutual of Omaha Investor Services and its representatives do not offer legal or tax advice. The information presented is subject to change without notice and is not intended as an offer or solicitation with respect to the purchase or sale of any security or insurance product. Mutual of Omaha Investor Services and its various affiliates do not endorse or adopt comments posted by third parties.  Comments posted by third parties are their own and may not be representative or indicative of other's opinions, views, and experiences.

Coaches, Consultants, and Money
82. Business Money 301: Cash Reserve

Coaches, Consultants, and Money

Play Episode Listen Later Sep 17, 2024 7:41


Get my Monthly Newsletter here This episode talks about the importance of maintaining cash reserves for solo consultants. Erica discusses the reasons for having a cash reserve, such as covering unexpected expenses or taking advantage of sudden opportunities.   (00:00) Introduction to the Podcast (00:51) Today's Topic: Cash Reserves (01:05) Why Keep Cash Reserves? (01:24) Examples of Cash Reserve Needs (03:45) How Much to Keep in Reserve (05:10) Where to Keep Your Cash Reserves   ___________________ Related Episodes: 3. Business Money 101: Overview 4. Business Money 101: LLCs & EINs 5. Business Money 101: Business Insurance 6. Business Money 101: Bank accounts 7. Business Money 101: Bookkeeping 44. Business Money 201: Intro  45. Business Money 201: Paying the IRS 46. Business Money 201: Paying Yourself 47. Business Money 201: Charitable Giving ____________________________________________ Connect with Erica | LinkedIn | Website | Newsletter

Financial Advisor's Workshop with Brian Kasal
#87 The Power of the Cash Reserve w/ Frank Levine, Registered Representative, Certified Financial Services

Financial Advisor's Workshop with Brian Kasal

Play Episode Listen Later Aug 26, 2024 34:17


Download “How To Find Ultra High Net Worth Clients" from https://financialadvisorsworkshop.com/  Known for Financial Triage, Frank Levine (https://www.cfsllc.com/) a Registered Representative for Certified Financial Services possesses the art of knowing what to do in the proper order. Thus helping clients prioritize fiscal decisions. His mission is to enable people to make well-informed financial decisions. A protection-first philosophy ensures what you have has limited risk exposure. The confusion & misconceptions prevalent on the internet make proper guidance essential. In this episode, Brian and Frank discuss: 1. Teaching Clients the Right Financial ‘Swing' 2. Why a Strong Cash Reserve is Key to Financial Security 3. Debunking the 'Buy Term and Invest the Difference' Myth 4. The Hidden Costs of Financial Decisions LinkedIn: https://www.linkedin.com/in/frankzlevine/  Website: https://www.cfsllc.com/  To see short videos of all our best FA Business Growing tips follow us on:  Instagram: https://www.instagram.com/FinancialAdvisorsWorkshop   TikTok: https://www.tiktok.com/@faworkshop   YouTube: https://www.youtube.com/@financialadvisorsworkshop  Facebook: https://www.facebook.com/FinancialAdvisorsWorkshop   Twitter: https://twitter.com/FAsWorkshop   iTunes: https://podcasts.apple.com/us/podcast/financial-advisors-workshop-with-brian-kasal/id1614768408   Spotify: https://open.spotify.com/show/4OB78889GRx2FHjvWtsyeE   Website: https://www.financialadvisorsworkshop.com/   Work with FourStar: https://financialadvisorsworkshop.com/Advisors   DISCLAIMER: This content is provided by FourStar Wealth Advisors for the general public and general information purposes only. This content is not considered to be an offer to buy or sell any securities or investments. Investing involves the risk of loss and an investor should be prepared to bear potential losses. Investment should only be made after thorough review with your investment advisor considering all factors including personal goals, needs and risk tolerance. FourStar is an SEC registered investment advisor that maintains a principal business in the state of Illinois. The firm may only transact business in states in which it has filed or qualifies for a corresponding exemption from such requirements. For information about FourStar's registration status and business operations please consult the firm's form ADV disclosure documents, the most recent versions of which are available on the SEC investment advisory public disclosure website at www.adviserinfo.sec.gov

Finanzrudel Audio Experience
100.000 Franken Verlust: Was steckt hinter dem Japan Carry Trade?

Finanzrudel Audio Experience

Play Episode Listen Later Aug 22, 2024 14:44


In dieser Folge berichtet Thomas der Sparkojote von einem Verlust von über 75.000 Franken in weniger als fünf Tagen, verursacht durch den japanischen Carry Trade. Er erklärt, wie dieser Trade funktioniert und welche Auswirkungen er auf verschiedene Märkte und Aktien, wie Nvidia, Bitcoin und Apple, hat. Trotz des starken Rückgangs bleibt Thomas zuversichtlich und sieht Chancen für langfristige Anleger. Er betont die Wichtigkeit einer stabilen Anlagestrategie und einer ausreichenden Cash-Reserve, um solche Marktschwankungen zu überstehen.

The Property Couch
TPC Gold | What's the Ideal Cash Reserve for Investors?

The Property Couch

Play Episode Listen Later Jun 25, 2024 7:39


Today's bonus snippet is from a previous episode where we answer listeners' burning questions on property investing. Tune in to the full episode here: Episode 44 | Q&A – Building Cash Reserve Buffers, Buying at a Premium & Renovating for Profit In this TPC Gold soundbite, Bryce & Ben explore the dynamics of aggressive vs passive investing, as well as how to incorporate cash reserve buffers into your property investment plan! Discover why having a six-month cash reserve is crucial, how to manage unexpected costs, and the importance of insurance protections. They also discuss finding the balance between exercising caution and maximising your cash flow for property investment.  Tune in for expert advice on choosing the best property investment strategy for you. Recent Q&A Episodes - Ep 493 | $160K Dilemma: Should I Walk Away from Paper Profits? - Ep 495 | Ramit Sethi & Morgan Housel: Why They Don't Invest in Property! - Ep 496 | Don't Sell the Goose That Lays the Golden Egg P.S. Have a question you want answered? We'd love to hear from you!  LISTEN TO THE FIRST 20 EPISODES HERE >> MOORR MONEY MANAGEMENT APP:

Alabama's Morning News with JT
Ashley Smith Thomas says Haley and Trump fight for big donors while Biden sits on massive cash reserve

Alabama's Morning News with JT

Play Episode Listen Later Feb 5, 2024 6:11 Transcription Available


Coaches, Consultants, and Money
57-When to Get a High-Yield Savings Account for Your Business

Coaches, Consultants, and Money

Play Episode Listen Later Dec 12, 2023 13:02


We're talking all-things high-yield business savings account today: What's a high-yield savings account? How much should you put in a high-yield savings account Are they safe? How to find a good one I'll even walk you through how I move money in and out of my high-yield savings account throughout the year.    Connect with Erica: Instagram  LinkedIn Email List  

Crafted
How to Go Fast and Not Break Things: Why Great Brakes Help You Accelerate and Innovate. Featuring John Mileham, CTO of Betterment

Crafted

Play Episode Listen Later Nov 14, 2023 24:41


“Nobody's going to drive as fast on the straightaway if they don't have good brakes because if that's not available, then you can't go fast confidently.” John Mileham is the CTO of Betterment, and he's also a race car driving instructor. Though they seem like vastly different roles, he has the same focus in both: going fast but doing so safely. Betterment is a digital financial advisor that builds software that can automate your finances… so safety is key. In this episode, John describes how he empowers teams and creates conditions that foster creativity, speed, and security. In this episode, John breaks down how his experience on the racetrack has influenced his approach to innovation, drawing on the recent improvements to Betterment's Cash Reserve product, the difficult transition to implementing GraphQL in the organization, and how performance envelopes are expanded with the confidence of safety.

The Chris Miles Money Show
Five Principles To Finding The Best Recession Resistant Investments | 763

The Chris Miles Money Show

Play Episode Listen Later Nov 8, 2023 23:00


Are you feeling hesitant investing in anything right now? How will interest rates, slower real estate sales, etc. affect the real estate market? Which investments are the best right now? Chris Miles shares the 5 principles to finding the best investment in today's market and where he is currently looking. Tune in to discover what they are!

The Chris Miles Money Show
Brace Yourself - An Economic Winter Is Coming | 757

The Chris Miles Money Show

Play Episode Listen Later Oct 18, 2023 27:00


Many have been saying we will have a "safe landing" in our economy. But is there a bigger storm on the horizon that could cause our economy to crash and burn? Chris Miles shares three key things you can do to prepare for the INEVITABLE economic recession or depression ahead. Tune in to find out what you need to act on NOW!  

Coffee ☕ With Content With me JK

#Build cash reserve

cash reserve
Fintech Nexus
Fintech One-on-One: Sarah Levy of Betterment

Fintech Nexus

Play Episode Listen Later Jul 24, 2023 32:18


It wasn't that long ago that robo-advice was this exciting new industry that was going to bring automated investing to the masses. Today, much of that initial promise has been realized and all the major investment firms have this as part of their offerings. But there is much more work needed to be done here.My next guest on the Fintech One-on-One podcast is Sarah Levy, the CEO of Betterment. Betterment was one of the pioneers in the space and it is interesting to see how they have evolved since launching 13 years ago. As you will find out, it is about far more than consumer robo-advice today.In this podcast you will learn:What prompted Sarah to move into fintech from the media business.What attracted her to Betterment specifically.The different business lines they have today.How the narrative has changed since their early days.Details of their Cash Reserve account that pays 5.25%.How the banking crisis in March impacted their business.Their typical customer and target demographic.Why Sarah championed their business-to-business offerings.The four different marketing channels they focus on.What their customers value most when it comes to investment choices.Why they decided to add crypto to their offerings.Sarah's views on the lack of women-run fintech companies.What we can do to create changes at the top.The diversity programs they have inside Betterment.Her vision for the future of Betterment.Connect with Sarah on LinkedInConnect with Betterment on LinkedInConnect with Fintech One-on-One:Tweet me @PeterRentonConnect with me on LinkedInFind previous Fintech One-on-One episodes

Lend Academy Podcast
Sarah Levy of Betterment

Lend Academy Podcast

Play Episode Listen Later Jul 22, 2023 32:18


It wasn't that long ago that robo-advice was this exciting new industry that was going to bring automated investing to the masses. Today, much of that initial promise has been realized and all the major investment firms have this as part of their offerings. But there is much more work needed to be done here.My next guest on the Fintech One-on-One podcast is Sarah Levy, the CEO of Betterment. Betterment was one of the pioneers in the space and it is interesting to see how they have evolved since launching 13 years ago. As you will find out, it is about far more than consumer robo-advice today.In this podcast you will learn:What prompted Sarah to move into fintech from the media business.What attracted her to Betterment specifically.The different business lines they have today.How the narrative has changed since their early days.Details of their Cash Reserve account that pays 5.25%.How the banking crisis in March impacted their business.Their typical customer and target demographic.Why Sarah championed their business-to-business offerings.The four different marketing channels they focus on.What their customers value most when it comes to investment choices.Why they decided to add crypto to their offerings.Sarah's views on the lack of women-run fintech companies.What we can do to create changes at the top.The diversity programs they have inside Betterment.Her vision for the future of Betterment.Connect with Sarah on LinkedInConnect with Betterment on LinkedInConnect with Fintech One-on-One: Tweet me @PeterRenton Connect with me on LinkedIn Find previous Fintech One-on-One episodes

News & Features | NET Radio
Funds for needy families, size of cash reserve debated

News & Features | NET Radio

Play Episode Listen Later May 10, 2023 5:50


The Nebraska Legislature debated the use of funds for needy families, and the size of the state's cash reserve Wednesday.

Retirement Lifestyle Show  with Roshan Loungani, Erik Olson & Adrian Nicholson

Today on the Retirement Lifestyle Show, Roshan Loungani and Adrian Nicholson break down a recent Washington Post article that categorised common questions people have according to age. They cover retirement and financial planning topics including credit scores, when to get a credit card, when to pay off your mortgage, and ways savers can learn to spend during retirement. [00:00] Introduction [02:39] 20s - How Much to Put Into a Retirement Account [05:26] 20s - When to Get a Credit Card [07:51] Building a Cash Reserve and Thinking About Your First Home Purchase [12:30] 40s - Talking to Aging Parents About Their Retirement Plans [16:00] 40s - What's the Best Way to Save for College [18:32] 50s - Is it Time to Get a Will? [19:55] Can You Really Afford to Retire? [24:58] 60s - When to Start Taking Social Security [28:26] 60s - Should I Pay off my Mortgage? [31:33] 70s - How Savers Can Learn How to Spend [36:40] 70s - What You Need to Know About RMDs [40:14] Health and Planning for Long-Term Care [40:51] 80s - How to Protect Your Financial Legacy [43:25] Understanding the Different Stages of Retirement [45:15] Parting Thoughts Roshan can be reached at roshan.loungani@aretewealth.com or at 202-536-4468. Erik can be reached at erik.olson@aretewealth.com or 815-940-4652. Adrian can be reached at adrian.nicholson@aretewealth.com or at 703-915-8905. Follow Us At: Website: https://retirementlifestyleshow.com/ https://www.retirewithroshan.com https://youtu.be/hKVzI87v0tA https://twitter.com/RoshanLoungani https://www.linkedin.com/in/roshanloungani/ https://www.facebook.com/retirewithroshan/ https://www.linkedin.com/in/financialerik/ https://www.linkedin.com/in/adrian-nicholson-74b82b13b/ #retirementlifestylepodcast #fire #podcast #FI #Retire #retirewithroshan #retirement #investing All opinions expressed by podcast hosts and guests are solely their own. While based on information they believe is reliable, neither Arete Wealth nor its affiliates warrant its completeness or accuracy, nor do their opinions reflect the opinion of Arete Wealth. This podcast is for general informational purposes only and should not be regarded as specific advice or recommendations for any individual. Before making any decisions, consult a professional.

ThimbleberryU
When Is The Right Time to Start Saving?

ThimbleberryU

Play Episode Listen Later Oct 31, 2022 16:35


The answer to this question may seem obvious.  Generally, yes you want to save sooner rather than later.  But everyone's situation is different.Amy starts with a story about a prescription SNAFU that led to today's topic.  In order to make a decision, you need as much information as possible.  What are your specifics with regard to spending and saving?  What are your priorities?  Do you have a cash reserve?Amy and Jag explore some variables that may factor into your saving plans, including debts, housing situation and more.And yes, the earlier the better. We break down the math of how expensive it can be to wait.If you have questions about anything related to your financial future, reach out to Amy Walls and the team at Thimbleberry Financial at https://thimbleberryfinancial.com/Or give them a call at 503-610-6510

#OWNR.LIFE with William Eastman
HOW TO RECESSION PROOF YOUR BUSINESS with William Eastman

#OWNR.LIFE with William Eastman

Play Episode Listen Later Apr 13, 2022 14:10


EPISODE 20: HOW TO RECESSION PROOF YOUR BUSINESS Get Your Financial House in Order - Next Show: Show & Chapter 5 - Basics of Financial Reporting Attack Costs - Next Show: Show & Chapter 6 - Create a Cash Reserve from Reducing Costs Making Money in an Economic Downturn: Show & Chapter 7 - Data Based Relationships Recession Proofing HR: Show & Chapter 8 - Standard Operating Procedures

The Money Itch
In 1 Year Lauren Built A Large Cash Reserve, Paid Off Her Student Loans and Built A Business

The Money Itch

Play Episode Listen Later Sep 14, 2021 46:39


Wow! What a difference a year makes in your financial life! Lauren is a real example of financial focus. She paid off 5 student loans, built a cash reserve, improved her credit score, got a raise, and built a business. This list just scarps the surface of her financial accomplishments. In this episode, she opens up about what it took to make her financial dreams a reality and what she tried in the past that just didn't work. She can now do anything she wants and she says it is hard to put into words the financial freedom she feels. If you want to learn more about financial coaching or Jones Coaching Group, email me at kendall@jonescoachinggroup.com or visit JonesCoachingGroup.com.

Do More With Your Money
Never Sweat The Opportunity Cost Of Creating A Cash Reserve

Do More With Your Money

Play Episode Listen Later Jun 10, 2021 9:58


In this podcast episode, I share why you should never sweat the opportunity cost of creating and maintaining a dedicated cash reserve.   I also share some rules of thumb for how you can start to determine the right cash reserve for you.   Can you quantify the expected return on peace of mind? I can't. To me, it's infinite.   ----------------------------------------------- Do you want help managing your equity compensation? Learn how to: Optimize Taxes Diversify Your Company Stock Solidify Your Path To Financial Independence Click here to start your FREE assessment.

DeWitt and Dunn Financial Podcast
Get more return on your cash reserve

DeWitt and Dunn Financial Podcast

Play Episode Listen Later Jan 25, 2021 6:03


We all know interest rates are dismal. Cathy and Steve discuss options to keep your liquidity and get more return for your cash reserves.

cash reserve
Marketing Management & Money
Time to Increase Your Cash Reserve

Marketing Management & Money

Play Episode Listen Later Jan 5, 2021 8:33


Welcome to our current events section of our new format. We like to call it News and Noteworthy. This quick tip is that now is the time to look at increasing your company's cash balance. Tune in to find out why.

news noteworthy cash reserve
One Rental At A Time
Bitcoin - MicroStrategy Buys $425,000,000 (90% of Cash Reserve) and 5 Definitions of Money - Bitcoin

One Rental At A Time

Play Episode Listen Later Nov 21, 2020 8:47


Bitcoin Informant - Tägliche Bitcoin & Krypto News
#998 Paypal Übernahme BitGo, Mode Global Bitcoin Cash Reserve & Paxful Umsatzboom durch Gutscheine

Bitcoin Informant - Tägliche Bitcoin & Krypto News

Play Episode Listen Later Oct 23, 2020 10:22


Hey Informanten, willkommen zur Bitcoin-Informant Show Nr. 998. Im heutigen Video geht's um folgende Themen: Paypal Übernahme BitGo, Aktienunternehmen Mode Global setzt auf Bitcoin & Paxful 16 Millionen Dollar wöchentlicher Umsatz durch Gutscheine. 1.) Payment giant PayPal plans to acquire bitcoin custody platform BitGo https://coinnounce.com/payment-giant-paypal-plans-to-acquire-bitcoin-custody-platform-bitgo/ 2.) Aktienunternehmen Mode Global setzt auf Bitcoin als Cashreserve https://www.btc-echo.de/aktienunternehmen-mode-global-setzt-auf-bitcoin-als-cashreserve/ 3.) Traders on Paxful sell $16.2M of Bitcoin for discounted gift cards each week https://cointelegraph.com/news/traders-on-paxful-sell-16-2m-of-bitcoin-for-discounted-gift-cards-each-week Telegram Kanal: https://t.me/bitcoininformant LBRY.tv: https://lbry.tv/$/invite/@bitcoininformant:e Steemit: https://steemit.com/@denniskoray HIVE: https://hive.blog/@denniskoray Instagram: https://www.instagram.com/denniskoray/ Facebook: https://www.facebook.com/btcinformant/ Top 10 Kryptowährungen am 23.10.20 um 9:00Uhr Sonnige Grüsse Dennis "Bitcoin Informant" Koray

ThimbleberryU
Preparing For The Election

ThimbleberryU

Play Episode Listen Later Oct 21, 2020 12:53


Between the Coronavirus and the current state of the political landscape, emotions are running high as we approach the 2020 Presidential Election.  Today, we aren't going to take sides, but we are going to discuss the financial steps you can take prior to November 3rd.Maintain your cash reserveHave a long-term plan for your investments, and don't be scared by short-term market volatilityFocus on what you can controlPrepare for Possible Opportunities if there IS a market drop.Talk to an advisor.More information:Thimbleberry Financial Website: https://thimbleberryfinancial.com/Call or text Thimbleberry Financial at 503-610-6510

Nurturing Financial Freedom
Misleading Investment "Truths"

Nurturing Financial Freedom

Play Episode Listen Later Jul 10, 2020 22:37


There are a number of cliches when it comes to investing, many of them considered to be "truths." Today, we look at three of them - what's true, and what's not.Buy Low and Sell HighWhile this is mostly true, it doesn't mean try to time the markets. Quite the opposite - it means to stay invested.  Alex Cabot explains.Cash is KingThis cliche is thrown around all the time, especially in down markets.  While it's important to have a cash reserve, being too conservative can have a very high opportunity cost, causing you to lose a large amount of potential returns. Ed Lambert dives deeper.Sell in May and Go AwayThis is something Alex heard when he first started in the financial industry. The theory is that the market is more volatile in the summer. But Alex dove into the numbers, and he explains what he found.Resources:Birch Run Financial Website: https://www.raymondjames.com/birchrunfinancial/Email Birch Run Financial: info@birchrunfinancial.comCall Birch Run at 484-395-2190

The Paychex Business Series Podcast with Gene Marks - Coronavirus
How a Cash Reserve, a Little Creative Thinking, and a Positive Attitude Helped One Marketing Company Survive COVID-19

The Paychex Business Series Podcast with Gene Marks - Coronavirus

Play Episode Listen Later Jul 2, 2020 17:00


It’s not always easy to keep a positive attitude, especially during times like this. But for Joy Gendusa, founder and CEO of the full-service marketing company PostcardMania, thinking negatively was never an option. Hear from Joy as she talks with Gene Marks about her experience with the COVID-19 pandemic, how she kept all her employees working, the importance of having cash reserves, and how her creative thinking and optimism have helped her survive this downturn. For more information regarding COVID-19 and your business, including workplace health, business continuity, payroll processes, health insurance, financial assistance, new legislation, and more, visit our Coronavirus (COVID-19) Help Center. DISCLAIMER: The information presented in this podcast, and that is further provided by the presenter, should not be considered legal or accounting advice, and should not substitute for legal, accounting, or other professional advice in which the facts and circumstances may warrant. We encourage you to consult legal counsel as it pertains to your own unique situation(s) and/or with any specific legal questions you may have.

Thursday Finance
A cash reserve for emergencies - 02 July 2020

Thursday Finance

Play Episode Listen Later Jul 1, 2020 30:32


Steven Pritchard looks at a cash reserve for emergencies.

emergencies cash reserve
Profit Is A Choice
5 Indicators Your Interior Design Firm Profit is on Target

Profit Is A Choice

Play Episode Listen Later Jun 14, 2020 26:36


096: 5 Indicators Your Interior Design Firm Profit is on Target WITH MICHELE WILLIAMS On the podcast today we're going to learn how profitability directly impacts the sustainability of a company. This is acutely understood at a time like this in our world and economy. The higher the profits and the better the management of those resources – the more sustainable the firm is. The lower the profits, the less management of those funds and the less sustainable the company is.  In this podcast episode, I am going to share with you five indicators that your design firm’s profit is on target. We will dig into why profitability matters and where to start managing it properly in your firm.     Topics Mentioned:  Profit Margins   Debt    Cash Flow   Cash Reserve  Key Thoughts: Know your profit margins. Know the current and future value of your ideal clients. Have a cash reserve. Have a plan to manage debt. Understand and employ a leveraging strategy. Profitability layer is instrumental as we build up and we build order and we build impact with the legacy. Michele (09:25)  By clearly defining the goals of how you spend money, you're going to be in a much better position to assist the company to live within its means. Michele (12:51) Profitability and the company allows for money to be allocated to the health and the sustainability of the company as a whole. Michele (17:09)   Leveraging in this situation simply means investing in something to gain a profit, which is greater than the investment. So if we're going to put money in we want to get more money out. Michele (21:24) As your business grows readdress your KPIs, look for new or different measurements to guide your current and future success. Michele (25:04) Contact Michele: Email: Team@ScarletThreadConsulting.com Facebook: Scarlet Thread Consulting Instagram: @ScarletThreadATL   References and Resources: The Designers' Inner Circle - Become a Member Today Financial Health Checkup  Financial Planning Made Simple  Aim with Intent Methodology  Understanding Your Financials and Master Your Profit  Fix This Next, Profit First,  by Mike Michalowicz E-Myth Revisited by Michael E. Gerber  All Roads Lead to Profit, Episode 004 with Mike Michalowicz Backward Financials for the Win, Episode 011 with Tracie Taylor How to Start Profit First with No Profit in Your Design Business, Episode 092 with Michele Williams

Flow State of Mind Podcast | Health | Fitness | Physique | Psychology | Business
127. The MONEY Episode| with Fitness Business CFO Shawn Hanquist

Flow State of Mind Podcast | Health | Fitness | Physique | Psychology | Business

Play Episode Listen Later May 8, 2020 47:34


This may be the episode you NEED to listen to but may not necessarily want to. It can be incredibly overwhelming and frankly scary to look at your bank account and financial statements, especially at this uncertain time. We want to educate you and give you solutions to these specific issues and that's why we have Shawn Hanquist, AKA the Fit CFO. Today, you'll learn how to structure your company from a tax and legal perspective, what is available for you loan-wise at this time, and industry standards of financial practice specifically for online fitness coaches.   Time Stamps:   (0:48) Shawn’s Service (3:10) Cash Reserve (5:28) Types of Insurance (7:56) Types of Businesses (LLC, S-CORP, etc) (14:49) Profit First Strategy (20:22) Profit Margins  (21:36) Industry Standards (24:31) Stimulus Package (26:10) Figuring Out Taxes Early (33:20) Tax Rightoffs (37:50) PPP - Small Business Loan (40:40) Forgivable Loans and the Unknown (44:12) Economic Injury Disaster Loan (45:55) Where to Find Shawn ------------- Follow Shawn on Instagram! Financial Black book- https://freefinancialblackbook.com/ ------------- ATTN: Personal Trainers, Fitness Influencers, Gym Owners, and Online Health Fitness of Any Form.    There has never been a time which literally EVERYONE is rushing to the online space, to look for GOOD coaches to help them.    This is your chance to not only take your business online but to take it from “side hustle” to BUSINESS. Inside of our IFCA Immediate Impact Course, we’re going to give you the tools, systems & blueprints to come out of this period BETTER than you went in.   Check out the Impact Fitness Coaching Academy Immediate Impact Course ------------- Download the “Bands Will Make You Dance” Home-Based 6 Day Workout Program - Just $10.00, and 100% of Proceeds are donated (Plus Matched by Flow State Of Mind) to COVID-19 Relief Efforts  Click HERE to purchase and download ------------- ATTN: Personal Trainers, Online Coaches, Fitness Influencers, and Healthy Industry Entrepreneurs - Impact Fitness Coaching Academy is now CLOSED.  However, we have so much to give for FREE, to start helping you impact MORE LIVES, and create the income, and freedom you deserve.  Learn how to attract 5 new online clients, in 5 days, with our FREE Suspect to Client Course HERE PLUS -  FREE Content Planner for Online Coaches! Hundreds of Prompts, Templates, and Systems to CRUSH THE CONTENT GAME  bit.ly/IFCAContentCalender ------------- FREE COMMUNITY FOR ONLINE COACHES LOOKING TO LEARN, SCALE, AND MAKE AN IMPACT IN FITNESS Join the Free IFCA Community for Coaches who want to change lives ------------- Feeling confused about what nutrition protocol, or plan to follow?  Want to be able to still eat how you want, without sacrificing results?  If you want to end the constant “yo-yo diets,” learn how to achieve the body you have always wanted, WITHOUT killing yourself with cardio, missing out on social events, and being unsure if what you are doing will work…. Then we have a FREE 5 Step Guide to achieving BALANCE forever - and to teach you HOW .. and WHY… Click below for the free resource!  bit.ly/ResultsWithBALANCE ------------- Please make sure to follow Erin at @erindimondfitness, Jordan at @duggaestetics, and the official Flow State of Mind Podcast page @flowstateofmindpodcast.   Subscribe & Review in iTunes   Are you subscribed to our podcast? If you’re not, we encourage you to do that today. We don’t want you to miss out on any episode. Click here to subscribe in iTunes!   If you’re a true badass, we’d be super grateful if you left us a review over on iTunes, too. Those reviews help us climb the podcast ranks and extend our listenership and reach. Just click here to review, select “Ratings and Reviews” and “Write a Review” and let us know what your favorite episode was. 

... and Landlord! Rental Real Estate Investing Podcast
Rehab Lending: Down Payments, Appraisals, Reserves & Credit Scores | Ep. #24

... and Landlord! Rental Real Estate Investing Podcast

Play Episode Listen Later Sep 3, 2019 19:31


Funding Your BRRRR Deals... BRRRR investing often requires Rehab Lending, be it from Private or Hard Money Lenders. In this episode of the [... and Landlord!] Podcast, I cover the typical requirements of working with Rehab Lenders, and the things you need to be on top of... These being: Down Payments; Appraisals; Reserves; & Credit Scores. When working with Rehab Lenders, you'll almost always need to put some amount of money into the deal ("Skin in the Game"), as your Down Payment. This will typically be 20%, but it can be lower or higher by 5% to 10% - depending on the specific numbers and terms of the deal. This will be largely determined by the Appraisal results. There will be an Appraisal of both the "As-Is" Value (to make sure you're not paying too much for the property); and the After Rehab / Repair Value (ARV) to determine what the home may be worth upon completion. And it is the ARV that will be critical in determining how much of the deal the Rehab Lender will fund versus what you'll need to pay out-of-pocket as your Down Payment. As they will typically only fund 70% to 75% of the ARV as the total project cost, which is both the purchase price and rehab budget. And most Rehab Lenders are going to want you to be able to show a certain amount of Cash Reserves in the Bank, which includes your Down Payment amount, Closing Costs, Holding Costs, and Interest Only Loan Payments. Lastly, they are most often going to pull your Credit and want to see certain minimum credit scores, along with no liens, no judgements, no collections, and no other derogatory information present on your Credit Report. In this regard, I discuss my personal situation of balancing the amount of Reserve Funds I use to pay off Credit Cards to keep my Credit Scores high, versus what I keep on-hand to be able to meet the Cash Reserve requirements. Its all good information for those seeking to do BRRRR investing at a high level, which at some point will require Private or Hard Money funding from a Rehab Lender.

GEDANKENtanken - Inspiration & Motivation von Top-Rednern - Jede Woche neue Auftritte unserer Rednernächte.
Besser sparen: Mit diesen 10 Tipps wächst dein Kontostand sofort // Dr. Stefan Frädrich

GEDANKENtanken - Inspiration & Motivation von Top-Rednern - Jede Woche neue Auftritte unserer Rednernächte.

Play Episode Listen Later Apr 9, 2019 13:40


Dr. Stefan Frädrich weiß, worauf es beim Sparen und Investieren ankommt: auf das richtige Verhältnis aus Einnahmen, Ausgaben und Schuldenabbau. Im brandneuen GEDANKENtanken Podcast verrät er, wie du Geld sparen und reich werden kannst. Hast du Lust auf eine einfache Formel, mit der du unnötige Ausgaben erkennen und deine Fixkosten senken kannst? Dann ist dieser Podcast genau richtig für dich. Viel Spaß beim Anhören und Geld verdienen! "Reich wirst du nicht durch das Geld, das du verdienst, sondern durch das Geld, das du behältst." Dr. Stefan Frädrich weiß außerdem: "Auch Kleinvieh macht auch Mist." Um reich zu werden, hast du deshalb zwei Möglichkeiten. Entweder steigerst du deine Einnahmen, oder du senkst deine Ausgaben im Monat. Wie genau du Geld monatlich sparen und so deine Schulden loswerden kannst? Zum Beispiel indem du prüfst, ob du einen Vertrag kündigen kannst. Oder indem du einen Budgetplan erstellst. Was sonst noch wichtig ist und wie Dr. Stefan Frädrich über Cash Reserve und Privatinsolvenz denkt, erfährst du im Podcast.    

The Moving Mastery Podcast with Louis Massaro
Build A Cash Reserve For Your Moving Company

The Moving Mastery Podcast with Louis Massaro

Play Episode Listen Later Apr 8, 2019 16:43


In this episode, Louis Massaro shares what to do when money gets tight during the off-season in your moving company. You'll learn:   What you can do to ensure that you can easily make it through winter every year How much of your gross profit you should be putting away each month  Why you should never cut back on your marketing budget during the off-season   You never want to be in a position where money is so tight it forces you to make bad decisions. Make a commitment to build a cash reserve this summer. Learn how by listening to Build A Cash Reserve For Your Moving Company now! Subscribe to my YouTube channel for more tips on growing your moving company. Get free on-demand video training on how to book more moves and learn The 6 Stages of a Moving Company Sales Machine. Follow me on Instagram for daily tips and motivation.   ABOUT Louis Massaro is the world's leading moving business trainer and success coach. He's the founder and CEO of Moving Mastery, a training, coaching and education company dedicated to helping moving company owners, managers and employees reach higher levels of success in their business. Through his coaching programs, online training and live seminars he's helped hundreds of people unlock their full potential by giving them the strategies and systems to take their moving business to the next level. Louis opened his first moving company at 19 years old with two rental trucks and after overcoming many challenges and struggles, he went on to build a $20 million a year business. His company, Neighbors Moving & Storage had locations nationwide performing local moves, long distance moves as well as storage. After 16 years of success in the moving business, Louis sold his companies and is dedicated to helping others “Profit in Their Business and Thrive in Their Life”. Meet him at LouisMassaro.com  

Creative Minds Out Loud
Episode 25: A Capital Campaign with Lasting Impact (and a Cash Reserve!)

Creative Minds Out Loud

Play Episode Listen Later Jan 5, 2017 13:36


Beryl Jolly, Executive Director of the Mahaiwe Performing Arts Center, discusses their capital campaign to restore their historic theater, retire old debt, and establish operating reserves. She says their cash reserve will allow the Mahaiwe to invest more directly in the artist, in the theater, and in the community. Beryl Jolly has been the director … Continue reading "Episode 25: A Capital Campaign with Lasting Impact (and a Cash Reserve!)"

Invest Like a Boss
02: From $1k to Future Millionaire: Johnny FD's Investments

Invest Like a Boss

Play Episode Listen Later Jun 13, 2016 65:34


Just three years ago Johnny FD had less than $1,000 in his bank account. Today his net worth is over $300,000. In this episode, he breaks down exactly how he grew wealth and shares his private investment portfolio.  Johnny’s First Book – Life Changes Quick Charles Schwab ATM Card – How to not get F*cked by your Bank when Traveling Facebook Stock – How I made a ton of Money with FB How I Invest my money Blog – Six Steps Wealthfront Tony Robbin – Money Master of the Game   Time Stamps: 10:33 - Tesla Stock 11:28 - Lending Club 20:25 - Vanguard 25:45 - S&P-500 30:07 - Cash Reserve 31:46 - All Seasons Portfolio 35:00 - Buy Orders 41:35 - Wealthfront 59:39 - Money Masters of the game 01:00:00 - The Millionaire Lifestyle   If you enjoyed this episode, do us a favor and share it! Also if you haven’t already, please take a minute to leave us a 5 star review on iTunes and claim your bonus here! Copyright 2016. All rights reserved. Read our disclaimer here.

The Property Couch
Ep. 44 | Q&A - Building cash reserve, Next-door suburbs, Property professionals, Offset accounts, Buying at a premium, How to be a BA & Renovating for Profit

The Property Couch

Play Episode Listen Later Dec 31, 2015 32:44


For the last episode of 2015 and as promised for our Summer Series, we will be going through quite a few questions! Bryce Holdaway and Ben Kingsley will be answering the questions below from our fellow listeners. It's going to a full on one so sit tight! :) The post Episode 044 | Q&A – Building cash reserve, Next-door suburbs, Property professionals, Offset accounts, Buying at a premium, How to be a BA & Renovating for Profit appeared first on The Property Couch.

Cleaning 4 Profit
157 Why you need a Cash Reserve

Cleaning 4 Profit

Play Episode Listen Later Nov 12, 2014 3:51


It never hurts to have some money set aside. Learn why in this valuable podcast.

cash reserve
Issue Reviews
School District - Cash Reserve Levy

Issue Reviews

Play Episode Listen Later Dec 3, 2010 20:42


Wealth Coach William R. Patterson - BaronSeries.com
5 Easy Ways to Build Up Your Cash Reserve

Wealth Coach William R. Patterson - BaronSeries.com

Play Episode Listen Later Sep 9, 2007 2:39


To prepare for emergencies and to take advantage of new investment opportunities, you will need to save up enough money to cover at least six-to-twelve month's worth of living expenses. You will need even more if you are considering a large purchase such as a house, car, or business. Here are five quick BARON tips that can help you easily build up a cash reserve on even the tightest of budgets. For more information and coaching on THE BARON SOLUTION Strategies for Wealth and Business Success, visit http://www.baronseries.com

Wealth Coach William R. Patterson - BaronSeries.com
Teaching Children The Five Laws of Wealth

Wealth Coach William R. Patterson - BaronSeries.com

Play Episode Listen Later Aug 12, 2007 2:54


As a parent or mentor, one of the most important things you can do for a young person is teach them the Laws of Wealth. These 5 simple laws will not only change their lives, but the lives of generations to come. For more information and coaching on THE BARON SOLUTION Strategies for Wealth and Business Success, visit http://www.baronseries.com

InvestTalk
07-02-19: Personal Finance Alert: Newly Wedded Couples May Be Saddled With A ‘Marriage Tax Penalty’

InvestTalk

Play Episode Listen Later Dec 31, 1969 46:48


Depending on income, state of residence, and deductions, you might pay higher taxes after marriage. Today's Stocks & Topics: MOMO - Momo Inc. ADR, BTG - B2Gold Corp., PSTG - Pure Storage Inc. Cl A, Cash Reserve, RAD - Rite Aid Corp., Second Quarter Earnings, ETFs, Real Estate, Sectors Performances.Support this podcast at — https://redcircle.com/investtalk-investment-in-stock-market-financial-planning/donations