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Smart Start Money provides information on making smart money decisions. Providing tips, personal experiences, and opinions on saving smart and spending smart. Times have changed since getting a job and keeping the same place of employment for a lifetime. The average time spent with one employer is now three to five years. Companies are replacing workers with lean staff that previously held more people to accomplish the same tasks. This has resulted in periods of unemployment for many people making it challenging to save for retirement and stay debt-free. The rising costs of healthcare, consumer goods, and wages that often do not seem to keep pace with the cost of daily life make it more important than ever to make smart financial decisions. Millions of people struggle each day to get ahead. The intention of Smart Start Money is to not only provide insight into saving or spending but also open conversations. Discussions relating to the economy, employment, and even the occasional forbidden topic of politics are possible. If the subject matter has a correlation to helping people with their finances or questioning the so-called experts, it is open for dialogue. It has never been more important than ever to save and stay out of debt. No one has all the answers when it comes to personal finance. People come from all different backgrounds in life. The choices we make and the opportunities available are never identical. We can all learn from each other.
Episodes
Tuesday Feb 09, 2021
What Are Some Factors That Are Truly Driving up the Price of College Tuition?
Tuesday Feb 09, 2021
Tuesday Feb 09, 2021
Although wages have increased over time, the cost of a college education has soared. Four-year public college tuition has increased 571% since the late 1980’s. Even taking inflation into consideration, the increase has been 213%. The higher prices for private universities have done a little better with an increase of 129% over the last three decades. Tuition rates tend to increase at about twice the rate of inflation. The average increase is around 8% per year. This means the cost of college doubles about every nine years.
Why does the price of college tuition keep going up?
This podcast episode talks about the reasons why college tuition keeps increasing.
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Tuesday Feb 02, 2021
What Are Some Ways Companies Eliminate Older Workers?
Tuesday Feb 02, 2021
Tuesday Feb 02, 2021
The Age Discrimination in Employment Act of 1967 is theoretically assumed to protect people 40 years of age and older from employment discrimination but like many laws, it really doesn’t live up to the reason it was created. If you are an older person in the workplace, you need to know the Age Discrimination Act is not going to protect you. Companies and their Human Resource Departments have several techniques at their disposal to phase out older employees.
This podcast episode talks about the ways companies get rid of older workers so they do not get in trouble for age discrimination.
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Tuesday Jan 26, 2021
Are You Financially Ready for Retirement?
Tuesday Jan 26, 2021
Tuesday Jan 26, 2021
The decision to retire might be based on what your vision of retirement looks like. Is retirement a time when you just no longer work? A period that you still work part-time? Retirement may even be viewed as a stage in life to enjoy the things you did not have the time for while working. The answer to being financially ready to retire begins with your vision of retirement and it starts when you have the money to make the concept a reality.
This podcast episode talks about being ready financially to retire.
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Tuesday Jan 12, 2021
How Big of a Problem Is Credit Card Fraud?
Tuesday Jan 12, 2021
Tuesday Jan 12, 2021
You would think with advances in technology for fighting credit card fraud that the problem should be diminishing. However, this is anything but the case. Credit card fraud is a big problem that doesn’t look to be slowing down any time soon.
This podcast episode talks about why credit card fraud is such a big problem and what can you do to try and avoid being a target.
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Thursday Dec 17, 2020
Managers Are Rarely Leaders
Thursday Dec 17, 2020
Thursday Dec 17, 2020
Although many managers in the workplace like to be labeled as a leader, this is rarely the case. There is a difference between being a manager and a true leader.
This podcast episode talks about why there are so many terrible managers in the working world and why many of them are not true leaders.
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Friday Dec 11, 2020
Get Rich Working on the Internet: Scams and Fraud
Friday Dec 11, 2020
Friday Dec 11, 2020
There seem to be a lot of internet money maker experts...
Thousands of people make claims of having the secret to getting rich working on the internet. The idea sounds nice to work from the comfort of home each day while earning a comfortable living. Some might not claim the ridiculous amount of wealth that others do. However, all the so-called experts on building an online business or starting a side hustle that can make thousands of dollars each month do seem to make it sound much easier than it typically is.
The truth is most people are selling their secrets to online money-making success for another reason and it isn’t always to help the people buying the information.
This podcast episode talks about why there are so many mentors, programs, and books that want to show people how to make a fortune with an internet business.
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Thursday Nov 19, 2020
Why Do Employers Offer Severance Pay?
Thursday Nov 19, 2020
Thursday Nov 19, 2020
A Severance Package Is Not Offered Out of Kindness
Employers do not offer severance pay out of the kindness of their heart for a worker that is let go. A company that decides to give a parting employee severance does it to protect their interests.
Not all companies offer severance pay and it isn’t a requirement in most instances. Yet, a growing number of businesses are putting packages together for employees that are let go. What is severance pay and why are a growing number of employers choosing to offer it?
This podcast episode talks about why companies decide to offer severance packages.
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Thursday Nov 12, 2020
Why Is a Reverse Mortgage Almost Always a Bad Idea?
Thursday Nov 12, 2020
Thursday Nov 12, 2020
Considering a Reverse Mortgage?
With 1 in 5 Americans having no retirement savings, it should not come as a surprise that a reverse mortgage is sometimes something people turn to in order to try and solve a financial problem at retirement. A reverse mortgage might seem like a good way to come up with some extra money for daily living expenses, medical bills, or to provide the money needed to stay in a home. However, taking a reverse mortgage is almost always a bad idea and there are several reasons why.
This podcast episode talks about the dangers of taking a reverse mortgage.
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Tuesday Nov 03, 2020
Politics and Sports: Do Political Views Belong in Professional Sports?
Tuesday Nov 03, 2020
Tuesday Nov 03, 2020
Most employers in America have rules. It could be a dress code or requiring employees to act a certain way on the job in which an employer wants to be portrayed. For most people in America, there are rules they must follow to be employed, and often this means sticking to actual work rather than getting involved with other employees on political or religious beliefs.
Most employers in the real world know it is important to keep political, religious, and sexual beliefs to a minimum at work. The reason for this is because it can create division and hurt working relationships that can ultimately hurt productivity.
It seems professional athletes and sports teams are given a special pass for drug use or being a felon. They also are able to use their time at work to let everyone know how they feel politically. They are given a pass for not following company culture or tradition.
Everyone has the right to express themselves freely. However, politics and time in the game do not mix.
This podcast talks about why politics do not belong in professional sports.
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Tuesday Oct 20, 2020
Don’t Take a Home Equity Loan for a College Education
Tuesday Oct 20, 2020
Tuesday Oct 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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