Podcasts about gelt show

Thinking about renouncing your U.S. citizenship? It's a decision that comes packed with complex financial and emotional considerations! Eli Clark, an international lawyer with a focus on cross-border estate planning, joins us to unpack the nuances. From untangling complicated banking woes to understanding the infamous exit tax, there's a lot at stake. We dive deep into what it really means to leave behind your U.S. passport—debunking myths and tackling big questions like, "Will I still get my Social Security?" or "What happens to my investments?" Don't make the leap without knowing all the facts (and a few surprises) that could impact your future. Key Takeaways: Renouncing your citizenship can free you from tax headaches, but there are big financial considerations to manage. Learn how to dodge hefty estate and exit taxes with the right planning before you make any moves. Even if you say goodbye to your passport, the U.S. might still have a claim on your assets. Know what to expect! Want more insights? Head over to The Goldstein on Gelt Show blog for the full breakdown.  

Ever wondered about the best time to switch from a traditional IRA to a Roth IRA? Or what are the advantages of having a Roth IRA during a market dip? Or how an inherited IRA works if you're living overseas? Join host Douglas Goldstein to discover:

Behavioral finance is a critical area that merges psychology with finance to understand why people make irrational financial decisions. It's important to note that people's emotions, cognitive errors, and biases often drive these decisions, leading to poor investment choices. Being happy while dealing with investments is crucial. Let's examine some of the psychological aspects of investing and how they can be managed to create a better and less stressful investment experience. Psychological Aspects of Investing Analysis Paralysis Analysis paralysis is a common issue many investors face. With countless investment options available, individuals can become overwhelmed, and as a result, they may not make any investment decisions at all. This can lead to missed opportunities and unproductive financial stagnation. Fear of Missing Out The fear of missing out (FOMO) is another psychological challenge that investors often grapple with. This fear, driven by the desire to replicate others' financial successes, can lead to impulsive and high-risk investment decisions. Recognizing and managing this fear is essential to avoid detrimental financial choices. Overemphasis on Short-Term Volatility Another psychological challenge in investing is placing excessive emphasis on short-term market fluctuations. Reacting emotionally to daily market movements can lead to poor decision-making and can negatively impact long-term investment strategies. Complexity in Cross-Border Investing For those dealing with cross-border investments, the complexity of managing investments in multiple countries can be overwhelming. Regulatory hurdles, tax implications, and cultural differences in investment philosophies can create significant stress for expatriates and immigrants. Managing Your Stress  Investing your money is stressful, but it doesn't have to be overwhelming. Managing stress effectively can lead to better investment outcomes and a more enjoyable investing experience. Here are some strategies to help lower stress and improve investment decision-making: 1. Simplification and Focus Consolidating and simplifying investment accounts can help you gain a clearer understanding of your financial situation. By focusing on a defined investment strategy, you can avoid being overwhelmed by too many choices and better manage your portfolios. 2. Diversification Diversifying investments is an essential strategy to spread risk and avoid excessive exposure to any single investment. By diversifying across different asset classes and sectors, investors can lower the risk of significant losses caused by a single investment's failure, thus leading to a more relaxed investment. 3. Develop a Plan Having a clear financial plan can help you stay focused on your long-term objectives and avoid making impulsive decisions based on short-term market movements. A well-defined plan provides a roadmap for achieving financial goals and reduces anxiety about investment decisions. 4. Build a Resilient Mindset Engaging in stress management techniques, such as meditation, physical exercise, or taking regular breaks from financial decision-making, can promote a resilient mindset. A calm and focused approach to investing can lead to better decision-making and reduced emotional reactivity to market swings.  5. Educate Yourself Continuously learning about investment concepts, market dynamics, and financial planning can empower you to make better-informed decisions. Well-informed investors are better equipped to manage their financial stress and maintain a long-term perspective on their investments. 6. Choose a Good Advisor Selecting the right financial advisor who prioritizes understanding the client's individual needs and goals is essential. A good advisor should focus on building a personalized financial plan aligned with the client's objectives rather than pitching investment products. Armed with these valuable insights and tips, it's time to implement them so you can experience a happier and less stressful investment journey. Happy investing, and may your financial journey be filled with success and joy! Stay updated on personal finance insights, investment strategies, and expert interviews, by subscribing to The Goldstein on Gelt Show.

  Are you an American living abroad, specifically in Israel, facing difficulties with US brokerage firms terminating your accounts? Join Doug Goldstein, licensed in both the US and Israel, as he sheds light on this ongoing issue and provides expert advice. Discover why compliance with international regulations poses challenges for these firms, leading to account closures. But fret not! Goldstein recommends specialized companies like Profile Investments to help address your financial needs. Stay tuned for more fascinating discussions on the Goldstein on Gelt Show and don't forget to leave a positive review, like, and share with your fellow expats globally. Let's navigate through these challenges together!

Douglas Goldstein, CFP, will present the research that he's done over the past five years with World Chess Champion Susan Polgar about how high-level participants in any field often miss critical information in their decision-making process and how investors can use the same strategies that chess grandmasters use in order avoid the common downfalls.In this episode, you'll discover:What is holding you back from financial freedomHow to apply the strategies that Susan Polgar used to win 10 Olympic medals to managing your moneySeveral strategies that can make you as "Rich as a King!"About Douglas Goldstein:Douglas Goldstein is the co-author of Rich As A King: How the Wisdom of Chess Can Make You a Grandmaster of Investing. He's a Certified Financial Planner, a college lecturer, and a radio show host. When he started on Wall Street, his favorite client was his grandmother. She had been a stockbroker many years earlier, among the first women to earn the license. Following in her footsteps, his mother also became an investment advisor, helping clients plan and build wealth throughout her 17-year career. He joined her as a partner in 1992, and the #1 lesson he learned from her was the importance of educating clients about handling their money wisely.He is a 20-year Wall Street veteran and head of a major international financial services company but views himself as a financial educator. He writes extensively, using easy-to-understand language so everyone can realize that investing isn't only for the professionally trained. He also writes newspaper columns and is the author of four other books, teaches college courses, and even hosts a personal finance radio program, The Goldstein on Gelt Show.Get in touch with Douglas Goldstein:Visit Douglas' website: https://profile-financial.com Buy Douglas' book: https://revolutionizeretirement.com/goldstein What to do next: Click to grab our free guide, 10 Key Issues to Consider as You Explore Your Retirement Transition Please leave a review at Apple Podcasts. Join our Revolutionize Your Retirement group on Facebook.

  Is there a common character trait that successful entrepreneurs share? John Lee Dumas, host of the Entrepreneur on Fire podcast, returns to the Goldstein on Gelt Show to talk about what it takes to start a successful business. John’s insight after speaking with thousands of entrepreneurs can help you with the decision to start your own business or continue working for someone else’s company. Is there a correlation between the skills involved in entrepreneurship and the skills a successful investor has? Spoiler alert: Curiosity may be the key to success on multiple fronts. Curious? Listen now! Get John Lee Dumas’, new book, The Common Path to Uncommon Success,  and follow him on Twitter @johnleedumas

Are you a cross-border investor living a multi-currency lifestyle? Specifically, do you live in Israel but your money lives in America? Living a multi-currency lifestyle comes with its own series of complications. You need to convert currencies, be concerned about volatility in different markets, and keep in mind economic shifts and investments in different countries. The Goldstein on Gelt Show was created for Americans living in Israel. In a regulated financial world, an investor needs to really understand the market. Expand your financial understanding with the free resource How to Manage a Multi-Currency Lifestyle . Get this high-level overview of currency trading and tips on creating a financial portfolio that’s designed for your lifestyle. Download the free resource: How to Manage a Multi-Currency Lifestyle

Have you ever made an investment mistake? Investors make mistakes without even realizing it. Take a moment to think about how you coordinate your investments, and what motivates your financial decisions. For instance, how do you decide to design your portfolio or diversify your accounts? Are you a DIY investor or do you prefer to use a money manager? Hopefully, by becoming a strategic investor you can learn to avoid investment mistakes. The free resource Watch Out for this Investment Mistake is a comprehensive summary of mistakes made by investors. Download it free, here. For further information on strategic investing, read Rich As A King: How the Wisdom of Chess Can Make You a Grandmaster of Investing and start making wise investment decisions. Download the free resource: Watch Out for this Investment Mistake Where do you get investment advice? Have you recently joined the investment world and don’t know where to turn for advice? Do you have unanswered questions about your investments? Are you wondering what options you have? Send your financial questions to The Goldstein on Gelt Show! Download the free resource: Watch Out for This Investment Mistake

What do you need to do to have a financially successful retirement? Even if you’re lucky enough to receive a work and/or government retirement pension, chances are it won’t cover all your expenses. That is why folks increasingly depending on their investment portfolio to sustain their retirement. Have you set up your investment portfolio for success? The free resource “Do These 4 Things to Have a Financially Successful Retirement” is a must-read for anyone who wants a financially successful retirement. Read the list and begin to create the retirement you want. Download free resource: Do These 4 Things to Have a Financially Successful Retirement   Connect with a financial advisor Have unanswered financial questions? Contact The Goldstein on Gelt Show to either have a financial question answered on the show or a question answered personally by Doug. If you’re interested in more information on retiring, sign up now to receive updates on new episodes and receive Doug’s free ebook The Retirement Planning Book.

Have you recently received an inheritance? Did you inherit a brokerage account, an IRA, a bank account, real estate, or property in Israel? Receiving an inheritance can be complicated. Each type of asset has its own way of being passed onto the heir. Inheriting an IRA is different than inheriting other assets, and in order to maintain the tax-beneficial status the paperwork needs to be done in a specific manner. Download the free resource, “What You Need to Do After You Inherit an IRA” which summarizes the specifics of inheriting an IRA. Receiving an inheritance The Goldstein on Gelt Show highlights the specifics behind receiving different inheritances.. Have an unanswered question about inheritances? Reach out to The Goldstein on Gelt Show through the Contact Us bar on the homepage and get answers to your financial questions. If you’re not already receiving updates on new episodes, sign up now, and as a special bonus, receive Doug’s free ebook The Retirement Planning Book. Download free resource: What You Need to Do After You Inherit an IRA

Do you have enough money to retire and be financially secure? How do you even know what “enough” money is? Thinking about your retirement can be overwhelming, and it is natural to be concerned about retirement. The good news is the more carefully you plan for retirement, the more likely you’ll be able to make it financially. If you’re worried about retirement, download the free resource, “You’ll Have a Spectacular Retirement If You Know This One Thing.” This resource highlights the most important spending habits during retirement. How can you create a sustainable financial plan? Creating a comprehensive financial plan requires careful thinking about what you want your retirement to look like. You need to know your goals before you can attach a dollar amount to them. Independence in Retirement The Goldstein on Gelt Show is hosting a free webinar, “Three Steps to Financial Independence in Retirement.” Don’t procrastinate planning for retirement – the webinar is today! Register now, even if you can’t make it, and we’ll send you a link to the replay. If you’re not already receiving updates on new episodes, sign up now, and as a special bonus, receive Doug’s free ebook The Retirement Planning Book. Download free resource: You’ll Have a Spectacular Retirement If You Know This One Thing

One of the characteristics of bonds is that they are predictable. That means, when you buy a bond you generally know how much income you will get and when. However, there are a series of unexpected risks associated with bonds. There are no guarantees in the world of investing. Before you begin to invest in bonds you should understand the possible risks involved. Doug created a free resource titled Risks of bond investing. The resource highlights different risks associated with bonds including interest rate risk, credit risk, and default risk. Throughout the month, The Goldstein on Gelt Show discussed the fundamentals on bonds. On November 28th, the show will host a free webinar titled How to Invest in Bonds for Safety and Income. The webinar is designed to be a conversation surrounding the principles of bonds. Register today. Seats are limited. Download free resource: Risks of bond investing If you’re not already receiving updates on new episodes, sign up now, and as a special bonus, receive Doug’s free ebook The Retirement Planning Book.

Even though a bond is considered a loan to a corporation/government/municipality, different types of bonds function differently. In fact, there is a difference between U.S. and Israeli bonds. The difference between U.S. and Israeli bonds is specifically in municipal bonds. Municipal bonds are a specific kind of bond that are free from local, state, and federal tax. In an effort to get investors to support municipal bonds, they are frequently tax-free in America. However, these bonds are not recognized as tax-free in Israel. Therefore, the yield they have may not be a “true” yield taking foreign taxes into account. Learn about what types of bond are appropriate for you. Should you invest in U.S. or Israeli bonds? Defining your portfolio The Goldstein on Gelt Show has created a free resource “How to Choose the Right Type of Bond for You.” The resource features the different characteristics of municipal bonds, corporate bonds, and U.S. government bonds. On November 28th, The Goldstein on Gelt Show will host a free webinar titled How to Invest in Bonds for Safety and Income. Register for the webinar and discover if bonds are an appropriate investment for you. Download free resource: How to Choose the Right Type of Bond for You If you’re not already receiving updates on new episodes, sign up now, and as a special bonus, receive Doug’s free ebook The Retirement Planning Book.

Are you considering buying a bond? When investing in bonds there are a lot of components an investor should consider: What is unique to the specific bond you want to buy? What is its maturity? Yield to maturity is a defining feature of a bond because it determines an investor’s return of investment and interest. Make sure you understand what you are getting into before investing in bonds. Bonds are complex The Goldstein on Gelt Show has created a free resource titled What You Need to Look at When Buying Bonds. The resource breaks down everything an investor considers when buying a bond. On November 28, Doug will host a free webinar titled “How to Invest in Bonds.” Webinars are a way for investors across the globe to understand a financial concept. Register for the webinar. Download free resource: What You Need to Look at When Buying Bonds If you’re not already receiving updates on new episodes, sign up now, and as a special bonus, receive Doug’s free ebook The Retirement Planning Book.

When you die will your heirs need to pay estate tax? The distribution of a deceased person’s assets is a complicated process that may become more complicated when estate tax is involved. Ron Zalben, CPA at Aboulafa Avital Shrensky & Company law firm and frequent guest on The Goldstein on Gelt Show, shares insights on estate tax. Listen to learn if your estate will be subjected to estate tax, and what the current laws are. Did you, or are you anticipating receiving an inheritance? Doug recently came out with a new book geared to those who have received, or are anticipating receiving an inheritance. The Inheritance Book. The book is a resource for people who recently lost a loved one. The book contains 5 essential checklists to streamline the paperwork involved in claiming an inheritance. If you need a little help getting your inheritance paperwork form in order, Doug has created a free checklist to keep you on track. Download free resource: Inheritance Paperwork Form And, if you buy The Inheritance Book, make sure to send me a copy of the receipt and I’ll send you the replay of my recent webinar on “How to Use and Invest Inheritance Money.” If you have follow up questions about estate tax, be in contact with Ron Zalben: ron@aboulafia.co.il. He is also available on Facebook and LinkedIn. If you’re not already receiving updates on new episodes, sign up now, and as a special bonus, receive Doug’s free ebook The Retirement Planning Book.

Why is it important to have a will, if it only comes into play after you no longer are alive? Russell Mayer, an estate attorney based in Israel, explains how the law distributes an investor’s assets after their death and why having a valid will makes a difference. Doug and Russell examine how a will works and who needs to be involved in creating it. Russell stresses the importance of each spouse having a separate will (some things just aren’t meant to be shared!). The death of a loved one is difficult, but the dividing assets doesn’t have to be emotionally wrought experience. Determining what arrangements you want for your family before you pass can save a lot of potential legal battles. Welcome to Inheritance Month September is Inheritance Month on The Goldstein on Gelt Show. Every episode this month, will discuss a different facet of giving and receiving an inheritance. How should you handle an inheritance? What kinds of decisions should you make during an emotional time in your life? In today’s episode, Doug outlines three decisions you should not make when receiving an inheritance. Download a checklist of the paperwork you’ll need to claim your inheritance here. On September 13th, Doug will host a free webinar on “How to Use and Manage an Inheritance”. Register Now! Download free resource: What Paperwork Is Needed to Claim an Inheritance To learn more about Russell Mayer, a senior partner at Livnat Mayer & Company, you can email him at mayer@lmf.co.il or call 02-679-9533.Russell is also a co-author in Doug’s latest book The Inheritance Book. Call Doug if you’d like to pre-order a copy 02-624-2788. If you’re not already receiving updates on new episodes, sign up now, and as a special bonus, receive Doug’s free ebook The Retirement Planning Book.

How to Make Money in the Stock Market Month is coming to a close. Today’s show will be a recap of what The Goldstein on Gelt Show covered about the stock market during the month and what subscribers can expect next month. If you subscribed to The Goldstein on Gelt newsletter, Doug has sent you an invite to today’s webinar. If you did not have the opportunity to attend the free webinar, but want to watch, email me and I’ll send you a link to the replay. In the past month, Doug unpackaged a series of investment topics including ETFs, mutual funds, stock picking, and stock trading. In the webinar, Doug will discuss money managers, cross-border advisors, and other financial professionals who can help investors with their portfolio. If you’re interested in getting a small primer before you listen to the webinar, tune in. Get ready for September The month of September will be Inheritance Month. Doug will discuss topics surrounding getting and managing an inheritance. If you have recently received an inheritance, hang tight till next month and Doug will have some valuable advice for you. If you’re not already receiving updates on new episodes, sign up now, and as a special bonus, receive Doug’s free ebook The Retirement Planning Book.

How does an investor pick a good stock when there are so many to choose from? What if choosing a stock didn’t have to be so complicated? Download Doug’s free resource to help you make educated stock choices. The eight-point list is complete with practical advice on picking stock. However, don’t only use this list as your criteria for choosing stocks. Investors should always work closely with a professional financial advisor to build their portfolio, making sure it will both meet their investments goals and match their risk tolerance. The Smart Way to Pick Stocks is an in-depth explanation on stocks. Download free resource: The Smart Way to Pick Stocks August is “How to Make Money in the Stock Market” Month August is “How to Make Money in the Stock Market” month on The Goldstein on Gelt Show. This month’s episode of The Goldstein on Gelt Show will feature ways to invest in the stock market. Let’s hope you also come ahead with your investments! At the end of the month, join our webinar “How to Make Money in the Stock Market.” Stay tuned for registration details! If you’re not already receiving updates on new episodes, sign up now, and as a special bonus, receive Doug’s free ebook The Retirement Planning Book.

Did you get a “Dear John” letter from your U.S. brokerage account informing you that your account will be closed? A Goldstein on Gelt Show listener recently received a letter from their U.S. brokerage firm dropping them as a client. The listener wants to know if there is an easy way to open a U.S. brokerage account from Israel. And there is! There are U.S. brokerage firms that work with cross-border investors every day. Profile Investment Services, Ltd. is a Jerusalem based investing firm that works with cross-border investors. Doug has created a free resource with six steps an international investor should follow when opening a U.S. brokerage account. The free resource titled The Easy Way to Open a U.S. Brokerage Account When You Move to Israel will make international investors prepared for the transition. Download free resource: The Easy Way to Open a U.S. Brokerage Account When You Move to Israel What would you like to learn in a financial investment course? Doug is creating an online financial course. The course is still in its creation phase, and Doug is asking The Goldstein on Gelt Show listeners what financial questions they would like to have answered in the finished course. Send me an email with your input. If you’re not already receiving updates on new episodes, sign up now, and as a special bonus, receive Doug’s free ebook The Retirement Planning Book.

What does financial success look like? There isn’t a formula for financial success, but there are steps you can take to achieve financial stability. The step are your “financial plan” – and everyone’s financial plan looks different. Doug explains how a financial advisor should guide you towards success through a deep understanding of your financial position. Dealing with American financial advisors when you live abroad Why would a U.S. financial advisor limit his interactions with a client who lives abroad? A Goldstein on Gelt Show listener, “Bill,” was told by his financial advisor that he can only take unsolicited orders (so much for giving advice!) and that he cannot purchase any mutual funds. What is an unsolicited order? And why can’t his financial advisor purchase mutual funds? Listen to find out more about these issues and possible solutions. Begin your path towards financial success by downloading the resource Three Steps to Financial Success. Download free resource: Three Steps to Financial Success If you’re not already receiving updates on new episodes, sign up now, and as a special bonus, receive Doug’s free ebook The Retirement Planning Book.

If you are a non-resident alien of the U.S. (meaning you do not live there and you do not have citizenship) and own investments or assets in America, your American assets may be subject to inheritance tax. With the help of smart tax advisors, many people have found some great solutions. Ron Zalben, The Goldstein on Gelt Show’s tax tip expert, discusses how a non-resident alien can choose investments to side-step this costly tax. Ron, a partner with Aboulafa Avital Shrensky & Company, specializes in American and Israeli tax planning and compliance. Find out when an offshore mutual fund comes in pretty handy for a non-resident alien. American citizens though, you should stay far away from such funds! Non-resident aliens should consult with a tax professional before making a financial decision regarding a “U.S. situs” investment. What happens when a non-U.S. citizen dies with U.S. assets? The Goldstein on Gelt Show listener “Matt” asked Doug what was going to happen to his Israeli wife’s American assets when she dies? The answer opens the door for an official legal consult, but Doug still gave Matt a brief overview of what happens on the Israeli side. To contact Ron Zalben about tax issues (Doug is not a tax advisor), email him, or contact him on Facebook and LinkedIn. If you’re not already receiving updates on new episodes, sign up now, and as a special bonus, receive Doug’s free ebook The Retirement Planning Book.

Anti-money-laundering rules have become stricter since 9/11, in order to stop terrorism at the financial level. How does AML (anti-money-laundering) legislation affect international investors? David Kuenzi, a certified financial planner with Thun Financial, explains why AML legislation has made opening an American brokerage account from overseas difficult. David clarifies how the Patriot Act has changed the way financial institutions do business with American citizens residing in foreign countries. While it is not illegal for an expatriate to have a financial account in the U.S., a financial institution’s perspective is much more complicated than the legality of the account. David and Doug advise how to find a cross-border advisor who can address your needs. Are you an American citizen living abroad? Doug has a checklist for American expatriates living in a foreign country. If you’re moving to a foreign country, learn how to keep your U.S. Ira and brokerage accounts open after you move. Download this free resource here. Download Free Resource: U.S. IRA and Brokerage Accounts Open After You Move to Israel Checklist David made his first appearance on The Goldstein on Gelt Show in late 2017 on an episode titled How Cross-Border Investors Can Manage Their Money Better. To contact David, visit his company’s website. If you’re not already receiving updates on new episodes, sign up now, and as a special bonus, receive Doug’s free ebook The Retirement Planning Book.

Is investing in the global economy really that important? Andrew Vonnegut, author of Inside the Global Economy: A Practical Guide, is an expert in global economics. He explains why global economics should matter to individual investors. Events like wars and market crashes affect every corner of the world. How can investors best prepare for the ripple effect to reach their portfolio? Andrew gives practical advice on how to pick investments in an ever-changing global economy. If you ever wondered about why you should worry if a foreign currency falls, listen to this episode to learn about the interconnected global economy. Is global investing a path to wealth? Doug emphasizes the importance of diversification and explains what that means in the context of the global market. Refer to his free resource called Is Long-Term Global Investing Still a Path to Wealth? To learn more about diversification, listen to The Goldstein on Gelt Show episode called How to Make Good Investment Choices, featuring Paul Merriman. Download Free Resource: Is Long-Term Global Investing Still a Path to Wealth? Visit Wolandia.com to follow Andrew Vonnegut’s work. Read his book Inside the Global Economy: A Practical Guide. If you’re not already receiving updates on new episodes, sign up now, and as a special bonus, receive Doug’s free ebook The Retirement Planning Book.

Why are many millennials broke? Is there negative cash flow due to circumstances beyond their control or poor money management? Erin Lowry ,author of Broke Millennial: Stop Scraping By and Get Your Financial Life Together, is an American expatriate with an unusual financial perspective. Erin’s international experience made her view the millennial generation through a different lens. Are you guilty of the observations she makes of the broke millennials generation? Learn how millennials can make better financial decisions early on in their career to avoid this financial epidemic. Thank you, Saul, for your letter The Goldstein on Gelt Show listener, Saul, wrote to Doug asking for advice on his personal financial situation. Saul wants to know how you can invest your money and still be able to access it easily. After all, it’s your money and you should be able to use it when you want. Doug offers practical advice for investors about liquidity. Learn more about Erin Lowry on her a website Broke Millennial, or follow her on Twitter and Instagram. If you’re not already receiving updates on new episodes, sign up now, and as a special bonus, receive Doug’s free ebook The Retirement Planning Book.

CEO of Financially Wise Women, Brittney Castro, talks to Doug Goldstein in this special presentation of the Goldstein on Gelt Show, which originally aired on December 4, 2017 at http://goldsteinongelt.com/inheritance/men-women-approach-financial-planning-differently

What happens when the game finishes? This is the last Rich As A King podcast. But, you can still listen to other great financial podcasts and learn essential strategies for managing your money. Here’s another great online resource for you – The Goldstein on Gelt Show. On this personal finance podcast, I invite a guest to share his ideas and strategies for investing and personal finance. Each show includes a discussion with an expert on how to invest for success. Popular episodes feature Daniel Kahneman, Pat Flynn, and Suze Orman. Find out what else this twice-weekly show, also hosted by Douglas Goldstein, can offer you.

Joining Doug today are the panelists from the Money Tree Investing Podcast: Joe Saul-Sehy, Miranda Marquit, and Linda P. Jones. The discussion among four top financial podcasts focuses on the real issues brought up in listener questions. Send your questions, or tell me your biggest financial problem!

Do you use a defensive strategy when you play chess or manage your finances? Chess grandmasters use defensive tactics to prevent their opponents from having any chance of successful attack. Listen to this podcast to get tactics you can use to defend your investments, as well as your chess pieces. The opposite of being defensive is being aggressive. Listen to The Goldstein on Gelt Show from 10/2/17 to get the free download “You Don’t Even Know How Aggressive an Investor You Really Are.”

Can Optimism Increase Your Investment Returns? By Douglas Goldstein CFP® - helping olim handle their U.S. investments from Israel Are your investment returns determined by your worldview? Are people hardwired to be pessimists? Millions of years ago, if an optimistic caveman dismissed a rustle in a bush as the wind blowing, our ancestor may have ended up as a tiger’s lunch. As a result of this early conditioning, the part of our brain called the amygdala scans everything we see and hear for negative news. But according to Dr. Peter Diamandis, the founder of the coveted X Prize for Technology Innovation (and guest on The Goldstein On Gelt Show), this bias is more of a short circuit rather than an intelligent system design. He claims that in life and investing, it pays to be an optimist, as humans pay ten times more attention to negative news than positive news. Why optimism outperforms Technology is changing our lives for the better. A cursory list of human accomplishments over the past 100 years shows the future is indeed rosy – per capita income has more than tripled, extreme poverty has declined to less than 10% of the world, and human lifespan has doubled. This is a time of abundance, also the name of Dr. Diamandis’ book, Abundance: The Future is Better Than You Think. The book’s most powerful message is that technology is “resource liberating,” as it makes once inaccessible resources available and abundant. The future is optimistic investing But how does all this optimism affect your investment portfolio? Dr. Diamandis does not mention specific companies but he does mention names, including Bill Gates and Ilan Musk – technologists behind inventions that are addressing scarcity and expanding resources, and the most successful companies in the world. If you believe the world is improving to be a better place, your optimism can find expression in choosing areas of the economy, and the corresponding stocks, in which to invest. For more on optimistic investment opportunities turning science fiction into “science fact,” listen to our discussion at GoldsteinOnGelt.com/Diamandis (The opinions expressed on The Goldstein on Gelt Show are those of the guest, and not necessarily my opinion or the opinion of Portfolio Resources Group, Inc.) Douglas Goldstein, CFP®, is the director of Profile Investment Services, Ltd. www.profile-financial.com. He is a licensed financial professional both in the U.S. and Israel. Call (02) 624-2788 for a consultation about handling your U.S. investments from Israel. Securities offered through Portfolio Resources Group, Inc. Member FINRA, SIPC, MSRB, FSI. The opinions expressed are those of the author and not those of Portfolio Resources Group, Inc. or its affiliates. Neither PRG nor its affiliates give tax or legal advice.

One often overlooked sign of aging is your signature. As people age, often their handwriting and signature change. What does handwriting have to do with investing? Quite simply, if your signatures don’t match it may be harder to move money. Doug talks about the importance of keeping up-to-date records with your financial institutions – including your (aging) signature. Learn about other financial implications that may affect senior citizens and get practical workarounds for some of the financial ramifications that come with age. Do you have someone you can trust with your finances? Cross-border investing is challenging for American expats. How can you find a financial advisor who understands your specific situation? Doug discusses how to choose an appropriate advisor and build a trustworthy financial team. He lists questions investors need to ask their financial and legal consultants before making an investment. Ask these questions to your financial team! Download a free tool kit for non-U.S. residents, who want to have an American brokerage account. To learn how to listen to The Goldstein on Gelt Show on your iPhone, watch here. To learn more about Roger Whitney and his 5-minute retirement plan, go to rogerwhitney.com/5minuteretirementmakeover. If you’re not already receiving updates on new episodes, sign up now, and as a special bonus, receive Doug’s free ebook The Retirement Planning Book.

Can analysts predict the factors that drive investment returns? Does the “dual momentum” approach improve investment returns? Gary Antonacci, winner of the Wagner Award for Advances in Active Investment Management, explains how he combines two strategies in his dual momentum approach. Can relative momentum (buying stocks that perform better than their peers) and time series momentum (buying on positive momentum and selling on negative momentum) actually improve investment performance? How do performance-based strategies reconcile with the investment refrain “past performance can’t predict future performance?” The sting of great investment returns: Capital Gains Tax Once you are fortunate to have profits in your investments, don’t neglect your capital gains tax. Learn how capital gains tax strategies can be especially useful to dual citizens who may be liable to pay taxes in two countries. Make sure that you have a great CPA for each country you owe taxes to – and that each one knows what the other is doing. Just because two countries have signed an agreement, doesn’t mean you automatically benefit. You might need to do some work. Consult with a qualified tax advisor as to your tax responsibilities, as I provide investment, not tax advice. Tune in for Doug’s advice on how you might want to invest your capital gains. To learn more about dual momentum, visit Gary’s website optimalmomentum.com and blog dualmomentum.net and read his award-winning book, Dual Momentum Investing. If you’re not already receiving updates on new episodes for The Goldstein on Gelt Show, sign up now, and as a special bonus, receive Doug’s free ebook The Retirement Planning Book

Doug welcomes Meb Faber, chief investment officer of Cambria Investment Management, to the show to discuss why people have a hard time finding the right investments. Listen as they explore common mistakes investors make when choosing their investments. Meb reveals a good investment that is commonly overlooked: investing in a financial advisor. Meb expounds on why a money manager is a sound investment. There are many ups and downs in the investment world, and having a financial or advisor is a great way to navigate the market. He also gives helpful advice on how to introduce risk into your portfolio with international investing. A personal story about investing in real estate Doug discusses the challenges his family is facing now that his parents’ home is on the real estate market. Before you decide to buy an investment property, listen to Doug’s experiences and decide if owning real estate is right for you. This is a reality check worth hearing! To learn more about Meb Faber, listen to his financial podcast. Check out his website to see all the books he’s written. You can follow him on Twitter @mebfaber or on his company’s website If you’re not already receiving updates on new episodes for The Goldstein on Gelt Show, sign up now, and as a special bonus, receive Doug’s free ebook The Retirement Planning Book.

Do your elderly parents need help with managing their finances? This is a difficult realization both for child and parent, and accepting and giving help needs extreme sensitivity. Letting go of the reins of a financial account is a process. Since this is a difficult conversation to have, consider inviting a financial professional to be an objective voice. Doug gives advice for adult children – and their parents - who find themselves in this challenging position. If you and your parents are at this crossroads, watch this video that might help adult kids and their parents discuss when to hand over financial decisions and accept help with finances. At a certain point being too trusting, or making bad financial decisions, is an invitation to a con artist. The financial bad guy isn’t necessarily a stranger – it can be someone you know, maybe even someone who is close to you. Retirement planning requires some flexibility Financial planner Benjamin Brandt of the Retirement Starts Today podcast joins Doug to discuss the importance of having a written financial plan and flexibility. These two aspects aren’t as contradictory as they seem, because both put the individual’s financial goals first. Benjamin shares the values he emphasizes with his financial planning clients. Should you emphasize these points in your own personal financial plan? Follow Benjamin on his podcast on iTunes and at www.retirementstartstodayradio.com. Benjamin has even created a special page for The Goldstein on Gelt Show listeners at www.retirementstartstodayradio.com/gelt. If you’re not already receiving updates on new episodes, sign up now, and as a special bonus, receive Doug’s free ebook The Retirement Planning Book.

Why You Need to Talk to Your Adult Children about Your Finances By Douglas Goldstein CFP® - helping olim handle their U.S. investments from Israel Do you find it difficult to discuss with your adult children what should happen with your finances towards the end of your life? If so, you’re not alone. People don’t like thinking about their own mortality or losing control. Moreover, as family relationships aren’t always easy, discussing issues such as power of attorney, healthcare proxies, and estate planning can get very complicated. For these reasons, many families push off this conversation for as long as possible. If you don’t speak with your adult children about your finances, they may have difficulty picking up the pieces and taking care of you and your affairs if you become too infirm to take care of yourself. The emotional and monetary effects of taking care of an elderly parent without any direction can be very hard, especially if your adult children are raising families of their own at the same time. How to have “the talk” The best way to let your adult children into your finances is to talk with them. If you can’t physically do that for any reason, compose a list of all your assets, where they are, what you want to happen when you’re no longer able to look after yourself, who would take care of you, and other important issues. Make sure to sign the appropriate documents so your children have the legal means to make financial decisions on your behalf (Power of Attorney, Trading Authorization, etc.) If you have a financial advisor, invite your adult children to the attend meetings. Let them know who helps you with your finances and who to ask for reliable, objective advice when necessary. While you can’t ever know exactly how long you will live or stay healthy, taking a disciplined approach and sharing your financial situation, goals, and strategies can save a lot of heartache for everyone down the road. For more about why sharing your finances with your adult children is so important, listen to Tim Prosch, author of The Other Talk, on The Goldstein on Gelt Show at here. Douglas Goldstein, CFP®, is the director of Profile Investment Services, Ltd. www.profile-financial.com. He is a licensed financial professional both in the U.S. and Israel. Call (02) 624-2788 for a consultation about handling your U.S. investments from Israel. Securities offered through Portfolio Resources Group, Inc. Member FINRA, SIPC, MSRB, FSI. The opinions expressed are those of the author and not those of Portfolio Resources Group, Inc. or its affiliates. Neither PRG nor its affiliates give tax or legal advice.

Are margin accounts a smart way to build a portfolio? Ever thought about borrowing money to invest? Don’t do it! At least, not till after you listen to this episode of The Goldstein on Gelt Show! Margin accounts, borrowing money to invest, is a risky investment strategy that shouldn’t be done without careful consideration Find out what a margin account is and why it may be a bad idea. Four questions to consider before creating a margin account Doug has four questions that every investor should ask if they are tempted to borrow money for investing. Margin accounts are a high-risk move, and most people aren’t comfortable with such a drastic investment strategy. Ask these four questions to decide if borrowing money makes financial sense for you. Richard Duncan, the developer of Macro Watch and author of The Dollar Crisis and The New Depression, forecasts an upcoming recession in the global economy. Richard also points to recent events that could lead to an American recession. He and Doug discuss how investors can plan for economic downturns. Listen to discover some investment strategies that can help you weather the storm if the market bubble bursts. Check out Richard Duncan’s show Marco Watch for more of his insights. Visit www.richardduncaneconomics.com. If you’re not already receiving updates on new episodes, sign up now, and as a special bonus, receive Doug’s free ebook The Retirement Planning Book. Also, Doug would like to know, why do you listen to Goldstein on Gelt? If you have an answer, he’d love to hear it!

Why did Bituach Leumi decide to give Israeli children free money? Douglas Goldstein, CFP®, a licensed investment advisor who helps people meet their savings goals, speaks with Professor John Gal, chair of the Social Welfare Policy program at the Taub Center, about the program to alleviate child poverty. Professor Gal discusses how the program works and whether it will be successful in giving children a head start in life. Will the new program encourage increased savings? For an article about the tax implications of the Bituach Leumi program for U.S. citizens, click here. To read an article, written by Professor Gal, about the savings accounts, click here. Follow the work of the Taub Center at taubcenter.org.il and on Twitter @TaubCenter Should you invest your money in a casino instead of the stock market? Roger Whitney, the Retirement Answer Man, co-hosts this episode of The Goldstein on Gelt Show. Find out why some people prefer to bet in a casino, where the odds are stacked in favor of the house, rather than putting their money into the stock market, where historically chances of making a profit are much higher. Can you really make successful financial decisions based on chance? Follow Roger Whitney at http://rogerwhitney.com and on Twitter @Roger_whitney.

This week, Julie Deane, founder and president of the Cambridge Satchel Company, returns to The Goldstein on Gelt Show. Find out how her company has mushroomed in the past twelve months, how Julie came to join British Prime Minister David Cameron on a trade delegation to China, and what the future may hold for the Cambridge Satchel Company, a business that originally began in the Deane family kitchen with just £600! And don't forget to listen to all of your favorite financial tips and tricks on this week's show.

Don’t get carried away by rising interest rates. Instead, consider the impact of interest rates on your retirement plan. Doug reviews fundamental points about retirement planning and how to make sure your money is there for you when you actually need it. How should rising interest rates affect the way you handle your investments? Money manager Chris Cogswell returns to The Goldstein on Gelt Show and discusses what happens in a rising interest rate environment. Chris also explains how high frequency traders compare to retail investors to the market and institutional investors. Follow Chris Cogswell and his work at:  http://www.prginc.net/. You can also follow him on LinkedIn as J. Chris Cogswell and on Twitter at @JChrisCogswell.

Is it best to manage your money by yourself or to use a money manager? Today’s show discusses money managers: how can you measure a money manager’s success? Would you be better off buying an index fund? One of the biggest worries that investors have is market uncertainty. David D. Holland, radio host, author, and financial planner, returns to The Goldstein on Gelt Show to talk about the factors that cause fluctuations in the markets. How does the energy industry affect the economy, and what are the effects of election year? Get useful advice on the best way to react to market changes and manage your money. Follow David Holland’s work on: http://planstronger.com/

Market volatility is affected by current events. What’s an investor’s best response to unexpected headlines? Financial advisor Joe Saul-Sehy returns to The Goldstein on Gelt Show to talk about what to expect as financial markets react to the upcoming U.S. elections. Roger Whitney, “The Retirement Answer Man,” joins host Douglas Goldstein, director of Profile Investment Services, Ltd., to discuss the most common financial mistakes that people make. Learn the best way to work with your spouse to jointly manage your finances and other important money issues. Follow Joe Saul-Sehy on: https://www.stackingbenjamins.com/ and http://moneytreepodcast.com, and also on Twitter @AverageJoeMoney Follow Roger Whitney on The Retirement Answer Man  and on Twitter @Roger_whitney

Should you invest in emerging markets like China and Brazil? The rapid economic growth and rising stock prices in emerging markets may look enticing, but don’t ignore the high risks involved. Consider diversifying investments into mutual funds, ETFs, and ADRs, or even a separately managed account (SMA). For an in-depth discussion of investing in the Russian emerging market, Doug speaks with former world chess champion Garry Kasparov. After he retired from professional chess in 2005, Garry became a pro-Democracy proponent for Russia and is the author of the new book Winter Is Coming: Why Vladimir Putin and the Enemies of the Free World Must Be Stopped. Is Russia a good prospect for investment? What is life really like in Russia today? Is the current regime as popular at home as it appears to be in the press? Have the Russian people simply swapped one authoritarian regime for another? Listen to Garry Kasparov’s answers to these questions on this episode of The Goldstein on Gelt Show. Follow Garry Kasparov and his work by visiting his website, www.kasparov.com. You can also follow him on Facebook and on Twitter @Kasparov63.

What are the best ways to save money and manage your investments successfully? Behavioral finance categorizes investors into five different categories. Where are you, and where should you be? Learn why timing the market does not necessarily make you a better investor. In order to save money, you need to make effective financial choices. Professor Terrance Odean of the University of California at Berkeley returns to The Goldstein on Gelt Show to talk about how to make smart financial decisions. He talks about: why living on credit is not a good idea, how to make the right choices when purchasing life insurance, if money can actually make you happy. Follow Professor Odean and his work at: http://faculty.haas.berkeley.edu/odean/ and on Twitter at:@terranceodean

Many people believe that frugality is the key to getting rich. Self-made multimillionaire and financial podcaster Linda P. Jones disagrees. Listen to her interview on The Goldstein on Gelt Show to find out why being frugal isn’t enough. Linda explains why you should follow the lead of billionaires rather than millionaires when making investment decisions. When considering where to put your money, you need to understand what is “reasonable,” and what rate of return would be a cause for alarm over a period of ten or twenty years. Follow Linda P. Jones at: http://www.lindapjones.com/ and on Twitter: @LindaPJones

Financial expert Peter Schiff returns to The Goldstein on Gelt Show with some advice for the 2016 president-elect on the American economy. Whether Clinton or Trump is elected, the American president must take America out of the current recession and restore America’s greatness. In his message to the next U.S. president, Schiff explains the effects of a weak dollar on stock prices and much more. The next U.S. president will inherit an economy in shambles. But what happens when you inherit a stock position from your parents? How will that inheritance affect your finances? Find out what you need to know when you inherit assets. What questions do you need to ask yourself when deciding whether to sell inherited stocks or keep the original positions? Learn more about Peter Schiff at: www.schiffradio.com (podcast), www.europac.com (financial advice), and www.schiffgold.com (gold company.) Follow on Twitter @PeterSchiff and watch his videos on YouTube at: The Schiff Report Channel.

How Modern Portfolio Theory Can Make You a Better Investor By Douglas Goldstein, CFP® Can “Modern Portfolio Theory” increase your investment returns? Recently, on The Goldstein on Gelt Show, I spoke with the inventor of Modern Portfolio Theory, Nobel Prize in Economics winner, Dr. Harry Markowitz. Dr. Markowitz explained various aspects of Modern Portfolio Theory and its impact on the individual investor. His theory explains how to construct an investment portfolio by optimizing expected returns based on the level of market risk. The goal is to help investors construct portfolios to maximize returns while limiting risk as much as possible. By combining various asset classes in one portfolio, Markowitz explains, the overall account may have a lower volatility and higher return than a portfolio that isn't properly optimized. Can theories really help investors? When investors are faced with market upheaval, they often panic and lose confidence. When I asked Dr. Markowitz how to advise clients during turbulent markets, he spoke about the common mistakes that individual investors make:  “The chief error that the small investor makes is buying when the market has gone up and he assumes it's going to go up further, and then he sells when the market has gone down and he thinks it's going to go down more.” He contrasted this investing model to using Modern Portfolio Theory to rebalance your portfolio to reflect market conditions. If used in the right way, MPT can be effective in turbulent times. When I speak with clients about their U.S. brokerage accounts or their investments in the Individual Retirement Accounts (IRAs), I realize that it's difficult for them to look objectively at their own money. We all have our emotions tied up in our net worth. But when money managers use MPT to design a portfolio, it can help remove some of the emotional bias that might wrongly influence the way people invest. To find out more about Modern Portfolio Theory, listen to our discussion at: http://www.goldsteinongelt.com/markowitz   Douglas Goldstein, CFP®, is the director of Profile Investment Services, Ltd. www.profile-financial.com. He is a licensed financial professional both in the U.S. and Israel. Call (02) 624-2788 for a consultation about handling your U.S. investments from Israel. Securities offered through Portfolio Resources Group, Inc., Member FINRA, SIPC, MSRB, FSI. The opinions expressed are those of the author and not those of Portfolio Resources Group, Inc. or its affiliates.

  Some people say the next best thing to being personally financially successful is having rich kids. However, teaching children good financial habits can be challenging. Here's where Tom Corley and his book Rich Kids comes in handy. This is a great resource for teaching children (of all ages) about money. The three paths to wealth There are three paths to wealth: Live below your means. If you put 20% of your monthly salary into savings, as well as save all raises and bonuses, you are setting yourself up for a safer future. This is because not only do your savings increase with compound interest, but you avoid increasing your lifestyle beyond your means. Expand your means. Find efficient ways for generating more income, such as a side job. Use both strategies together. By saving properly and increasing your earnings you can effectively build your wealth. Starting young While these paths sound like they may only apply to adults, children can - and should - acquire these habits. If you give your children an allowance or if they have a job, they should save part of their income. Your wallet shouldn't be the sole source of your kids' income; encourage them to work and learn the powerful life lesson of self-reliance. Whether your child babysits, walks the neighbor's dog, or gets a regular part-time job with a tlush (paystub), he or she learns personal and financial responsibility. Children who internalize these lessons are less likely to grow into dependent adults… who expect their parents to pay off their debts. To find out more about rich habits and how to teach them to your children, listen to my discussion with Tom Corley on The Goldstein on Gelt Show at: www.GoldsteinOnGelt.com/RichKids.   Douglas Goldstein, CFP®, is the director of Profile Investment Services, Ltd. www.profile-financial.com. He is a licensed financial professional both in the U.S. and Israel. Call (02) 624-2788 for a consultation about handling your U.S. investments from Israel. Securities offered through Portfolio Resources Group, Inc., Member FINRA, SIPC, MSRB, FSI. The opinions expressed are those of the author and not those of Portfolio Resources Group, Inc. or its affiliates.    

How To Break Your Bad Habits And Get Rich By Douglas Goldstein, CFP® Money woes are generally not due to a market gone awry or a low salary. The number one cause of most money problems is bad financial habits. Do you spend without tracking what is leaving your wallet, neglect to make regular deposits in savings, and overlook regular financial reviews and discussion of financial goals with your partner? If so, you may be guilty of harboring negative financial habits. Bad financial habits can be as deadly as smoking. Some habits are so ingrained that it seems impossible to break them… but it can be done! I spoke with James Clear, an expert in habit creation, on The Goldstein on Gelt Show about how people could improve their finances by replacing negative habits with positive ones. Why stopping cold turkey doesn't work Stopping a bad habit by simply not doing it anymore doesn't tend to work since nature hates a void. Instead of just stopping your bad habit, find a good habit to substitute for the negative one. For example, instead of “retail therapy” to improve your spirits by going out shopping try exercise or chatting with a friend. Or replace your credit card in your wallet with a picture of your saving goal to provide a constant reminder of what you are working towards. Join forces with a friend One of the best ways to improve your financial habits is to team up with a partner. Read self-help books together, or attend an online financial education class (ask me for recommendations). When two people work together, you can both support each other through the inevitable ups-and-downs of creating a positive habit. The key to success When you launch a new habit, start with a positive attitude. If you believe you can succeed, you are more likely to do so than if you set yourself up for a negative outcome. For more concrete tips on improving financial habits, listen to my discussion with James Clear at: http://www.goldsteinongelt.com/james-clear. Douglas Goldstein, CFP®, is the director of Profile Investment Services, Ltd. He is a licensed financial professional both in the U.S. and Israel. His best-selling book, Rich As A King: How the Wisdom of Chess Can Make You a Grandmaster of Investing, is available at online, at bookstores, and at www.RichAsAKing.com. Call (02) 624-2788 for a consultation about handling your U.S. investments from Israel. Securities offered through Portfolio Resources Group, Inc., Member FINRA, SIPC, MSRB, FSI. Accounts carried by Pershing LLC., Member NYSE/SIPC, a subsidiary of The Bank of New York Mellon Corporation. The opinions expressed are those of the author and not those of Portfolio Resources Group, Inc. or its affiliates.      

Are You Getting The Social Security You Deserve? By Douglas Goldstein, CFP® The “Greenberg Settlement,” the resolution of a class-action lawsuit brought against the Social Security Administration (SSA), changes the way American olim receive their American Social Security payments. Under the SSA's Windfall Elimination Provision, if you receive a foreign earnings-based pension, your American benefits are reduced. Until now, claimants of Social Security living in Israel who also received Bituach Leumi old age pension had their payments from Social Security reduced under the Windfall Elimination Provision (WEP).  This was because Bituach Leumi was considered as an extra pension and counted as a “windfall.” In 2013, Ephraim Greenberg, a U.S. citizen living in Israel, brought a class action to change this situation because Bituach Leumi pensions are not dependent on earnings and therefore don't fall within the criteria of the WEP. Now you can claim your money back In July 2015, U.S. District Judge Rosemary Collyer determined that the Social Security Administration was wrong in reducing payments to U.S. citizens who receive Bituach Leumi. This is because Bituach Leumi payments aren't considered earnings-based in the same way as a private work-related pension is. Bituach Leumi payments are considered more of a social benefit for the elderly than a “windfall,” and therefore do not affect Social Security payments. (However, if you receive a work-related pension in addition to Bituach Leumi, your work pension would trigger the WEP reduction in Social Security benefits.) If your Social Security payments were reduced under the previous erroneous application of WEP, you can claim back the funds that are owed to you from September 2004. Furthermore, if someone who was unfairly penalized under the WEP has passed away, his heirs can apply for the funds retroactively. This is good news for the many American olim eligible for Social Security payments. Here's how I discussed the Greenberg Decision with the lawyers involved in the case, Ira Kasdan and Beth Johnson. We discussed the specifics of how to claim money that may be owed to you. To learn the specific steps involved in claiming withheld WEP as well as learning more about the provisions concerning with private pensions, listen to our 15-minute discussion at www.GoldsteinOnGelt.com/Kasdan. (The opinions expressed on The Goldstein on Gelt Show are those of the guest, and not necessarily my opinion or the opinion of Portfolio Resources Groups, Inc.) Douglas Goldstein, CFP®, is the director of Profile Investment Services, Ltd. www.profile-financial.com.  He is a licensed financial professional both in the U.S. and Israel.  Call (02) 624-2788 for a consultation about handling your U.S. investments from Israel. Securities offered through Portfolio Resources Group, Inc., Member FINRA, SIPC, MSRB, FSI. The opinions expressed are those of the author and not those of Portfolio Resources Group, Inc. or its affiliates.

Professor Irwin Horwitz of Texas A&M University returns to The Goldstein on Gelt Show to share his thoughts on the American education system. How will the decline in standards ultimately affect the economy? Are we focusing on the right things in education? Why is it important to stand up for your beliefs and how can you do so in a hostile environment? Doug spoke about: How to get things done Clear your mind How to become better investor Budget, Pay your bills as soon as get them, create a filling system, cleanup your debts, shred documents you don’t need anymore. Identity Thefts

On this week’s Goldstein on Gelt Show, John O’Connor, president of 3-D Asset Management, returns to the program to discuss the needs of average investors in a volatile market? How do your age and proximity to retirement affect your investments?

In the first part of the Goldstein on Gelt Show, Doug meets Victor Riccardi, assistant professor of financial management at Goucher College and co-editor of Investor Behavior: The Psychology of Financial Planning and Investing. Discover the motivations that often lie behind the way investors make their decisions and how emotions may affect the way you invest.

On part 1 of this week's Goldstein on Gelt Show, Doug meets Andrew McAfee, co-founder of MIT’s initiative on the digital economy and author of The Second Machine Age: Work, Progress, and Prosperity in a Time of Brilliant Technologies. How has the sudden growth in modern technology affected the world economy, and what does the future hold for employment?

On the first half of this week’s Goldstein on Gelt Show, Ari Dobner, director and CEO of Clearshift, talks about the need for transparency in currency conversions and business payments between companies in different countries.

What should you do if you discover that your spouse has been giving money away to family members without your knowledge? On this week’s Goldstein on Gelt Show, show host Doug Goldstein gives good advice on how to raise issues of financial fidelity with your spouse. Listen to this week’s show for these useful tips, which will only enhance your marriage and make your financial situation clearer.

In part 2 of The Goldstein on Gelt Show, Dorian Mintzer, co-author of The Couple’s Retirement Puzzle and Live Smart After 50!, discusses how to prepare for your golden years so that you can continue to enjoy life after retirement. Tune in to find out more about how there really is life after fifty.

In the second part of the Goldstein on Gelt Show, John F. Wasik, author of Keynes’s Way to Wealth, talks about the famous economist John Maynard Keynes and his approach to investing. And do Keynesian theories about government spending still apply today?

On this week’s Goldstein on Gelt Show, Doug meets engineer and personal finance blogger Len Penzo. Find out about the similarities between engineering and finance and why it’s up to you to take responsibility for your finances.

On the first part of the Goldstein on Gelt Show, Michael E. Gerber, best-selling author of the very successful E-Myth series, returns to speak about his upcoming new book, what it takes to be a great innovator like Steve Jobs, founder of Apple, and the importance and function of having a dream in building your own success.

In the second part of The Goldstein on Gelt Show, attorney Maya Weiss-Tamir, who is also an economist and a mediator, speaks about new legislation allowing the descendants of the Jews expelled from Spain by the Inquisition to claim Spanish citizenship. What are the benefits of Spanish citizenship, and how can you claim it? Find out more by listening to your favorite personal finance show.

On the first half of The Goldstein on Gelt Show, Doug meets Jenny Dawson, a former hedge fund manager who is the founder of Rubies in the Rubble, a company that manufactures delicious chutneys from vegetables rejected for sale for surplus or aesthetic reasons. Find out how Jenny and her company are fighting a war on waste on your favorite personal finance show.

In the first part of this week’s Goldstein on Gelt Show, meet Josh Denning, digital marketing veteran and host of The Tropical Entrepreneur podcast. What are the benefits of opening a business in the tropics, and how can you get your online business noticed? Is e-commerce the way of the future? Tune into your favorite personal finance show to find out.

In part 2 of The Goldstein on Gelt Show, Danny Kofke, bestselling author of How to Survive (and Perhaps Thrive) on a Teacher’s Salary, explains how you can manage if you control your finances properly – even if your income is not very high. He also discusses when and how you can start teaching your children how to manage money. Find out more on this week’s show.

In the first half of The Goldstein on Gelt Show, Doug meets Phil Parker, bestselling author and designer of The Lightning Process. Listen to useful tips on reacting to stress and find out why the way to cope with difficult situations is inside you.

This week,Clark Howard, consumer advocate, radio show host, and author of Living Large for the Long Haul, talks about scams against the elderly, as well as general consumer fraud. Find out how you can protect yourself, your money, and your accounts, and other consumer issues on this week’s episode of the Goldstein on Gelt Show.

In the second part of the show, meet Doug Hess, author of Gordon Gekko CEO: Lessons from Wall Street for a Winning Attitude. What positive lessons can Gordon Gekko, lead character in the 1987 film Wall Street, who is famous for his mantra, “Greed is good,” teach about achieving your dreams? Find out on this week’s Goldstein on Gelt Show.

In part 1 of The Goldstein on Gelt Show, author Jay Myers of Hitting the Curveballs and Keep Swinging, returns to the show to share more of his insights on business, life, and how to steer your business through a crisis. Enjoy all this and more on your favorite personal finance show.

On the first half of this week’s episode of the Goldstein on Gelt Show, Doug meets Maurice Ashley, a chess grandmaster, coach, and author. Find out how Maurice became the first African-American international chess grandmaster and what it takes to reach the top of your field. Is it all a question of practice, or do you need more than that?

In part 1 of this week’s episode of The Goldstein on Gelt Show, show host Douglas Goldstein meets Rabbi Marvin Heir, founder of the Simon Wiesenthal Center in Los Angeles and the Center’s documentary film division, Moriah Films. Rabbi Hier explains why he founded the Center, the lessons that need to be learned from the Holocaust, and why it is important never to forget.

In part 2 of The Goldstein on Gelt Show this week, Eric Jackson, former leader of the marketing team at PayPal and author of The PayPal Wars, talks about the history of PayPal, what inspired this innovative idea for financial transactions online, and its effects on internet finance today.

In the first part of On this week’s episode of The Goldstein on Gelt Show, John Warrillow, author of Built To Sell-Creating a Business That Can Thrive Without You, talks about his book, his invention, “The Sellability Score,” and why a businessman would create a company in order to sell it. Find out more by tuning into this week’s show. And don't forget to listen to all of your favorite tips and ideas on this week's personal finance show.

On this week’s Goldstein on Gelt Show, Trevor Blake, author of Three Simple Steps and founder and CEO of QOL Medical LLC, speaks on both halves of the show about his insights into life, success, and business. Trevor Blake’s book, Three Simple Steps, is based on his own personal experience and expertise. Tune into this week’s episode of Goldstein on Gelt to hear Mr. Blake explain what these three steps are, why this book is different from other self-help books, and how taking control of the way you think will help you to be successful in many fields of your life.

In the first part of the Goldstein on Gelt Show, host Doug Goldstein meets Dalit Braun, the CEO of Pick N Tell. Find out how modern technology has revolutionized the shopping experience and how retailers can learn more about what you want. All this and more is on your favorite personal finance show.

On this week’s Goldstein on Gelt Show, Doug meets Daniel Rudnitsky, portfolio manager and vice-president of product development at SMH Capital Advisors. Find out what fixed income and is and the different kinds of bonds out there. What do you need to think about when choosing a bond for your portfolio? Tune in to find out more. And don't forget to listen to all of your favorite tips and ideas.

On the first half of the Goldstein on Gelt Show, Dr. Douglas Scharre, a neurologist at Ohio State University, speaks about dementia, Alzheimer’s Disease, and other disorders that affect the mental faculties of older people. How do you know if you’re just a little forgetful, or if you’re developing the first signs of something more serious? Find out about Dr. Scharre’s new test and more by listening to this interview. And don't forget to listen to all of the great tips and advice on your favorite finance show.

Eswar Prasad, professor of economics at Cornell University and author of The Dollar Trap: How the U.S. dollar tightened its grip on global finance, speaks about the role of the dollar as the world’s reserve currency and how this has affected the global economy. Hear more about the dollar trap on this week’s Goldstein on Gelt Show. Enjoy the blend of commonsense advice, good conversation, and fun every week on the Goldstein on Gelt Show.

Gordon d’Angelo, author of the bestseller Vision: Your Pathway to Victory, discusses how having a vision helps you to realize your goals. Follow the dream and listen to this interesting interview on The Goldstein on Gelt Show. Enjoy commonsense advice, ideas, and fun on the Goldstein on Gelt Show.

On this week’s Goldstein on Gelt Show, Doug meets John O’ Connor, president and chief investment officer of 3-D Asset Management. Find out what a separately managed account (SMA) is and how it helps investors diversify their portfolios. Learn more about this method of money management on your favorite weekly personal finance show. And don't forget to listen to all of your favorite financial tips and tricks. 

Meet John Lee Dumas, author of Podcast Launch and creator of the Entrepreneur on Fire daily podcast. Learn about the differences between businesspeople and entrepreneurs and the secrets of popular podcasting on the Goldstein on Gelt Show. Enjoy commonsense financial advice, great guests, and fun on the Goldstein on Gelt show.

On this week’s Goldstein on Gelt Show, find out about bonds. How do they work? And how would you know if they are a good investment for you? Show host Douglas Goldstein explains what bonds are and how they work, and he is offering listeners the free gift of a bond calculator. Tune in to this week’s show to find out more. And don't forget to listen to all of the usual financial tips and ideas on your favorite personal finance show. "The Goldstein on Gelt Show” is a global investment and financial planning radio show designed to educate and entertain its listeners with financial strategies and investment tips. Investment advisor Douglas Goldstein hosts the weekly show, which can also be heard at www.goldsteinongelt.com, and is the director of Profile Investment Services, Ltd., www.profile-financial.com.