The Smart Start Money Podcast
Don’t Take a Home Equity Loan for a College Education

Don’t Take a Home Equity Loan for a College Education

October 20, 2020

With the rising cost of a college education, it can be challenging to come up with the money to pay for higher education. Student loans, grants, scholarships, and college savings plans can all help with financing a college education. However, sometimes even with several different funding sources there just never seems to be enough money for a college education.

For a homeowner, taking out a home equity loan or line of credit can appear to be a solution to funding a college education. However, the cons of doing this will almost always outweigh the advantages for numerous different reasons.

Borrowing from the equity in a home to fund college is not a good idea. The cost of doing this could end up being the most valuable thing a person has and this is a place to live.

This podcast episode talks about why taking a home equity loan is not a good idea for funding a college education.

 

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Why Do Employees Hate Performance Reviews?

Why Do Employees Hate Performance Reviews?

October 6, 2020

The negative perception of performance reviews by employees is simply because, for the most part, they are a waste of time. The truth is performance appraisals are not in place for the benefit of employees. Performance reviews are negatively perceived by employees because for a lot of companies they are in place for control.

 

This podcast episode talks about why most people hate performance reviews at work.

 

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Are New Cars Worth the Money?

Are New Cars Worth the Money?

September 29, 2020

Aside from most new automobiles being a terrible purchase from a financial perspective, are new cars worth the money? The truth today is when you buy a new car you are paying for the technology and not necessarily the overall build quality.

The ever-changing global business model and the chase for the highest profits while continually cutting costs does not just come in the form of shopping at your local Walmart. The concept of low-quality cheap throw away consumer items doesn’t stop at the discount store. It might also be present at your local car dealership.

This podcast episode talks about the lack of quality in new cars today.

 

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What Is the Average Student Loan Repayment Period?

What Is the Average Student Loan Repayment Period?

September 18, 2020

How long does it take most college students to pay back their student loans?

College graduates regularly believe they will repay their education debt in ten years or less but statistics show this is not typically the case. Students that take out debt for higher education are almost always underestimating how long it will take to repay the money they borrow. The result is college graduates that time and again must put their life on hold to climb out of a mountain in student loans.

This podcast episode talks about the student loan crisis and why it is taking longer for college students to pay back the money borrowed for higher education.

 

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Why Is There a Low Retention Rate of Finanical Advisors and Can I Become One at Age 40?

Why Is There a Low Retention Rate of Finanical Advisors and Can I Become One at Age 40?

September 8, 2020

The low retention rate of financial advisors is really nothing new. However, the rate at which financial advisors actually survive in the industry has likely gotten even lower over the last 20 years or so.

It is estimated right now that around 70% of newly licensed financial professionals will leave the business within three years. This leaves a retention rate of just 30% for someone entering the business as a financial advisor.

This podcast episode talks about the career path of a financial advisor.

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Why Do So Many People View Community College as a Negative?

Why Do So Many People View Community College as a Negative?

September 7, 2020

Much of society still do see education from a community college as inferior and this is due to the numerous misconceptions associated with learning at a 2-year school. With the costs of higher education continually on the rise, a changing business world, and technology, community college is gaining in popularity. Even with a growing acceptance of community college, there are still a lot of people that refuse to believe an education from a quality community college can be beneficial.

This podcast episode talks about why community college has such a stigma attached to it.

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Don’t Take a Job Just for the Money

Don’t Take a Job Just for the Money

September 4, 2020

Why shouldn’t you take a job just for the money?

Money definitely matters and it certainly can be a major motivation when it comes to finding work and establishing a career. It’s easy to say not to take a job just for the money. It is also understandable that when a person really needs an income for survival, they will take a position just for the pay. However, taking a job just because it pays well is not always the best choice.

 

This podcast episode talks about factors other than just high paycheck that can be important.

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Employment Age Discrimination

Employment Age Discrimination

August 4, 2020

Do employers care about age?

The Age Discrimination Employment Act is in place to protect people over the age of 40 in the workplace. The act was formed to prohibit discrimination of employment based on age. This includes hiring and firing. Salary, promotions, training, benefits, and any other terms or conditions of employment are also included. 

 

Although it is not exactly legal for an employer to discriminate based on age, it happens much more frequently than most of the business world would like to admit. Discrimination in the workplace based on age is common and some organizations even make it a regular habit.

 

This podcast talks about the issues with employment age discrimination.

 

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Are Colleges Doing a Disservice in Not Advising Students to Be Cautious of Incurring Student Debt?

Are Colleges Doing a Disservice in Not Advising Students to Be Cautious of Incurring Student Debt?

July 28, 2020

Colleges are doing a disservice in not advising students to be cautious of incurring student debt. This is particularly the case today when the gamble of a college degree is not quite as good as it once was. Not only are colleges doing a disservice, but also high schools and many academic counselors. Society in general is not helping when it comes to college debt. This is due to the perceptions and expectations that college is the only path to success.

 

This podcast episode talks about why colleges, high schools, and society, in general, does not talk much about the issues with college debt. 

 

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Should You Have Renters Insurance?

Should You Have Renters Insurance?

July 24, 2020

Renters insurance is far too often something people are either not aware of its existence or believe the cost is just excessive. Insurance in general is just a topic many folks don’t want to talk about until it’s too late. Buying insurance is something most people don’t think they need until a situation comes up where it is needed.

 

If you are renting a place to live there is a good chance you currently do not have renter’s insurance. For a renter that doesn’t have insurance, there are several reasons why you should.

 

This podcast talks about the reasons to have renters insurance and the misconceptions with it.

 

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