These are difficult financial times for many. The pandemic has led to reduced work hours for some; has put many people out of work; and has led to a sense of financial angst. With the holiday season bearing down on us, Patricia Davis can talk about ways to avoid excessive holiday spending while still being generous. Filled to the brim with creative ideas, Davis will encourage listeners to substitute material gifts for gifts of their time such as running errands for friends, neighbors and family members and, where appropriate, re-gifting new unused items to others who will get more use from them. She’ll also share ways to raise cash that can be used for gifts by selling your opinions and selling items you no longer use or want on sites like Poshmark. The author of “Going Broke Is No Joke!,” Davis is an experienced guest with a B.S. from Howard University, an MBA from Stanford, an M.S. in personal financial planning from Golden Gate University, and a Diploma of Graduation from Georgetown University’s Stonier Graduate School of Banking and Finance. Contact Patricia Davis at (301) 517-6304; pdavis@rtirguests.com
Category: Personal Finances
-
Unequal Impact: 5 Economic Trends That Affect Women More
As a group, American women are having to bear the brunt and the hits keep on coming. Already behind before the pandemic and more likely to be economic victims of its fallout, women also face an unequal impact from the five biggest economic trends that are affecting Americans’ futures, according to Certified Financial Planner Lorri Craig. Lorri can detail the significant economic impacts of COVID-19, lower interest rates, climate change, the U.S.’s declining global power, and baby boomer’s inability to retire and why women are more affected than men. Lorri has a master’s degree in finance and is a subject matter expert for the Certified Financial Planner Board of Standards. She offers an Environmental, Social, Governance (ESG) investment platform on her website for socially conscious investors who want to make a positive impact. Contact Lorri at (484) 453-1742; LCraig@rtirguests.com
-
Good News for Wine Lovers, Courtesy of COVID-19
COVID-19 has devastated the restaurant business and closed down a major market for many wineries. But is there a slice of silver in this cumulus of darkness? Something good, possibly, for the average wine consumer? It seems so, as many wineries now have far too much inventory and are taking extreme measures to unload it. Jim Laughren, CWE, will show your listeners how to take advantage of the situation and create a win-win outcome for all concerned. You’ll hear about the extreme measures winegrowers are now taking, how COVID-19 will impact next year’s wines, and where consumers can find the best wine bargains. Jim Laughren is the author of “50 Ways to Love Wine More” and “A Beer Drinker’s Guide to Knowing and Enjoying Fine Wine.” Contact him at (954) 884-8539; JLaughren@rtirguests.com
-
What You Could Lose by Winning a Lawsuit
Talk about initiating a lawsuit and most people think: Hefty settlement! Getting justice! (Or retribution.) Healing and starting over. But legal trouble is stressful and expensive, and lawsuits can last years, taking more out of you than you gain. So warns attorney Francine Tone, who’s been educating the public for years about getting the right legal help, asking prudent questions, making wise decisions, and proceeding with caution as legal challenges unfold. Invite her to explore realities about suing and being sued, myths and truths about the law, and how even winning lawsuits can jeopardize your business, marriage or health. Francine is the author of “What Every Good Lawyer Wants You to Know.” Contact Francine Tone at (531) 208-1297; FTone@rtirguests.com
-
Need Cash? It Could Be Time to Sell Your Life Insurance
Did you know that because of COVID-19 many life insurance carriers have been forced to dramatically raise their costs while lowering benefits? This affects everyone’s life insurance policies and makes one thing certain — every policy needs a review. “Life settlements, a way to sell an existing policy, are a smart financial option for many,” says David Kottler, the Life Insurance Doctor™. “Life settlements are something to be aware of, as 90% of policies lapse before maturity, which is a huge loss to consumers!” David can explain what you need to ask to figure out what your policy is worth. David is the author of “The Best-Kept Secret in Your Insurance Policy.” Contact David Kottler at (216) 532-1221; DKottler@rtirguests.com
-
4 Clever Ways to Make Extra Cash
Millions of Americans have lost jobs or taken pay cuts since the pandemic began six months ago. With so many people unemployed and bills mounting up, people are anxious to hear about ways they can make money now and in the future. Patricia Davis, author of “Going Broke Is No Joke!,” wants to help with fresh ideas. She’ll talk to your listeners about ways to bring in extra bucks by doing things like selling their cellphone images, agreeing to test websites and products, selling unused gift cards, and selling their opinions to focus groups. Davis can also prepare your audience to spot scammers trying to tempt them with bogus job opportunities and offer tips on what household goods could be sold for needed cash without being missed. An experienced guest, Davis holds degrees from Howard University, Stanford, and Golden Gate University, and a Diploma of Graduation from Georgetown University’s Stonier Graduate School of Banking and Finance. Contact Patricia Davis at (301) 517-6304; pdavis@rtirguests.com
-
Avoid the Costliest Mistakes People Make with Medicare
Every day, some 10,000 people enroll in Medicare, the federal government’s health insurance program for people 65 and over. And as they do so, thousands of baby boomers are making mistakes that can result in expensive penalties, hours of hassle, and even some unforeseen problems that can haunt them for the rest of their lives. Through her company, Boomer Benefits, Danielle Kunkle Roberts has helped more than 50,000 people make sense of Medicare and has seen what can go wrong in this confusing, complicated insurance program. The author of “10 Costly Medicare Mistakes You Can’t Afford to Make” will help your listeners as she exposes the most common pitfalls new Medicare beneficiaries unwittingly make and shares how to expertly avoid them. Danielle Kunkle Roberts is the co-founder of Boomer Benefits, which was named the 2019 Health Insurance Advisory Firm of the Year. Contact her at (817) 249-8600; kmundfrom@boomerbenefits.com
-
5 Economic Trends That Will Impact Your Future
Do you know what the five biggest economic trends are that will impact your listeners’ lives? And do you have any idea of the challenges and opportunities they represent and how you can capitalize on them? You will after you interview Certified Financial Planner Lorri Craig. In one or more segments, depending on how deep a dive you wish to take, Lorri can detail the significant economic impacts of COVID-19, lower interest rates, climate change, the U.S.’s declining global power, and baby boomer’s inability to retire. Lorri has a master’s degree in finance and is a subject matter expert for the Certified Financial Planner Board of Standards. She offers an Environmental, Social, Governance (ESG) investment platform on her website for socially conscious investors who want to make a positive impact on the world. Contact Lorri Craig at (484) 453-1742; LCraig@rtirguests.com