http://webtalkradio.net/category/podcasts/planning-with-dollars-and-sense/ Planning with Dollars & Sense will educate listeners on the importance of Financial Planning as a long term tool for financial security. With this program the basic elements will be broken down into individual topics. Jacqueline will cover college and retirement planning, divorce financial analysis, tax and estate planning, as well as eldercare. Divorce analysis is an in-depth look at the long term impact of financial decisions made at an emotionally challenging time. Jacqueline’s mission is to provide a pathway to financial peace of mind through integrity, honesty and a high code of ethics. Her vision is to advocate for financial literacy on a broad scale, because with understanding individuals will be empowered to pay it forward. Listen in each week for your action strategy so that you can achieve your goals, dreams and financial objectives. Sat, 26 May 2012 03:07:20 +0000 en hourly 1 Planning with Dollars & Sense will educate listeners on the importance of Financial Planning as a long term tool for financial security. With this program the basic elements will be broken down into individual topics. Jacqueline will cover college and retirement planning, divorce financial analysis, tax and estate planning, as well as eldercare. Divorce analysis is an in-depth look at the long term impact of financial decisions made at an emotionally challenging time. Jacqueline’s mission is to provide a pathway to financial peace of mind through integrity, honesty and a high code of ethics. Her vision is to advocate for financial literacy on a broad scale, because with understanding individuals will be empowered to pay it forward. Listen in each week for your action strategy so that you can achieve your goals, dreams and financial objectives. Jacqueline Thornhill no Jacqueline Thornhill webtalkradio@comcast.net webtalkradio@comcast.net (Jacqueline Thornhill) The Best Internet Radio. The Future of Talk Radio. It's Web Talk Radio. planning,dollars,sense,money http://webtalkradio.net/wp-content/plugins/powerpress/rss_default.jpg http://webtalkradio.net/category/podcasts/planning-with-dollars-and-sense/ http://webtalkradio.net/2011/04/17/planning-with-dollars-and-sense-%e2%80%93-financial-planning-yes-you-should-have-a-plan/ http://webtalkradio.net/2011/04/17/planning-with-dollars-and-sense-%e2%80%93-financial-planning-yes-you-should-have-a-plan/#comments Sun, 17 Apr 2011 05:01:27 +0000 billschiffler http://webtalkradio.net/?p=25967 Join my discussion today with special guest, Michael Merdinger, lead advisor with Financial Strategy Network, LLC located in Chicago. Our discussion centers on the holistic approach to Financial Planning.
What are the pieces of your financial puzzle and how do the effect the other pieces in your financial puzzle? When will I be able to retire? Will I outlive my … Read more about this episode...

]]> Join my discussion today with special guest, Michael Merdinger, lead advisor with Financial Strategy Network, LLC located in Chicago. Our discussion centers on the holistic approach to Financial Planning.
What are the pieces of your financial puzzle and how do the effect the other pieces in your financial puzzle? When will I be able to retire? Will I outlive my money? How much money do I need? We discuss the need for Life, Disability, and Long Term Care insurance and how the financial planning process will calculate your actual amount of need. We discuss the long term impacts of rising health care costs and why Long Term Care insurance is really asset protection insurance. I invite all the listeners wherever they are to visit my firm’s website and create your Personal Financial Index. You may enter your financial information anonymously and free of charge. You may also request help from a member of The WealthCare Center team to help you build your financial roadmap.

]]> http://webtalkradio.net/2011/04/17/planning-with-dollars-and-sense-%e2%80%93-financial-planning-yes-you-should-have-a-plan/feed/ 0 asset,care,financial,health,insurance,planning,protect,strategy Join my discussion today with special guest, Michael Merdinger, lead advisor with Financial Strategy Network, LLC located in Chicago. Our discussion centers on the holistic approach to Financial Planning. Join my discussion today with special guest, Michael Merdinger, lead advisor with Financial Strategy Network, LLC located in Chicago. Our discussion centers on the holistic approach to Financial Planning. What are the pieces of your financial puzzle and how do the effect the other pieces in your financial puzzle? When will I be able to retire? Will I outlive my money? How much money do I need? We discuss the need for Life, Disability, and Long Term Care insurance and how the financial planning process will calculate your actual amount of need. We discuss the long term impacts of rising health care costs and why Long Term Care insurance is really asset protection insurance. I invite all the listeners wherever they are to visit my firm's website and create your Personal Financial Index (http://www.thewealthcarecenter.com/educational_services.htm). You may enter your financial information anonymously and free of charge. You may also request help from a member of The WealthCare Center team to help you build your financial roadmap. Jacqueline Thornhill no 34:56 http://webtalkradio.net/2011/04/04/planning-with-dollars-and-sense-%e2%80%93-is-obamacare-going-to-affect-my-medicare-what-do-i-need-to-know/ http://webtalkradio.net/2011/04/04/planning-with-dollars-and-sense-%e2%80%93-is-obamacare-going-to-affect-my-medicare-what-do-i-need-to-know/#comments Mon, 04 Apr 2011 05:01:04 +0000 billschiffler http://webtalkradio.net/?p=25452 Healthcare in the United States is changing. It is my opinion that the changes are not good.There are nearly 500 Billion cuts to Medicare in the health care law as it stands now. Most of those cuts will be from Medicare Part C the Advantage plans. Join our discussion as me and my guest Pauline Maslynsky, a medicare and medicare … Read more about this episode...

]]> Healthcare in the United States is changing. It is my opinion that the changes are not good.There are nearly 500 Billion cuts to Medicare in the health care law as it stands now. Most of those cuts will be from Medicare Part C the Advantage plans. Join our discussion as me and my guest Pauline Maslynsky, a medicare and medicare supplement specialist, define Medicare Parts A, B, C, and D. What are the qualifications, how does my current healthcare coverage fit in if I am still working after age 65? Will Medicare be there when I reach 65? Pauline has offered to answer and questions you may have. She can be reached by email at insurance4now@cox.net or 800-421-9666. You can call Medicare directly at 800-633-4227 and Social Security at 800-772-1213. We will continue our discussion of the ins and outs of Medicare with Pauline on a future show.

]]> http://webtalkradio.net/2011/04/04/planning-with-dollars-and-sense-%e2%80%93-is-obamacare-going-to-affect-my-medicare-what-do-i-need-to-know/feed/ 0 Healthcare in the United States is changing. It is my opinion that the changes are not good.There are nearly 500 Billion cuts to Medicare in the health care law as it stands now. Most of those cuts will be from Medicare Part C the Advantage plans. Healthcare in the United States is changing. It is my opinion that the changes are not good.There are nearly 500 Billion cuts to Medicare in the health care law as it stands now. Most of those cuts will be from Medicare Part C the Advantage plans. Join our discussion as me and my guest Pauline Maslynsky, a medicare and medicare supplement specialist, define Medicare Parts A, B, C, and D. What are the qualifications, how does my current healthcare coverage fit in if I am still working after age 65? Will Medicare be there when I reach 65? Pauline has offered to answer and questions you may have. She can be reached by email at insurance4now@cox.net or 800-421-9666. You can call Medicare directly at 800-633-4227 and Social Security at 800-772-1213. We will continue our discussion of the ins and outs of Medicare with Pauline on a future show. Jacqueline Thornhill no 34:40 http://webtalkradio.net/2011/03/29/planning-with-dollars-and-sense-%e2%80%93-more-on-obamacare-details-and-clarification-on-the-mandate-and-more/ http://webtalkradio.net/2011/03/29/planning-with-dollars-and-sense-%e2%80%93-more-on-obamacare-details-and-clarification-on-the-mandate-and-more/#comments Tue, 29 Mar 2011 21:45:26 +0000 billschiffler http://webtalkradio.net/?p=25359 I have asked my special guest, Dwight Mazzone to return and give us more details on the most talked about parts of the new Healthcare Law. The individual mandate to buy Health Insurance, the waivers for religious, union and large corporations. What about the idea of portability across state lines? Recap of what the Health Care Exchanges are. What about … Read more about this episode...

]]> I have asked my special guest, Dwight Mazzone to return and give us more details on the most talked about parts of the new Healthcare Law. The individual mandate to buy Health Insurance, the waivers for religious, union and large corporations. What about the idea of portability across state lines? Recap of what the Health Care Exchanges are. What about the 30 million or whatever the true number is? Will this force rationing? Is Obamacare free? What about the lack of Tort Reform. Join us as we discuss these subjects and our gut feelings as too exactly what will happen when the law is fully implemented in 2014. Email Dwight Mazzone with questions at dmazz1@earthlink.net.

]]> http://webtalkradio.net/2011/03/29/planning-with-dollars-and-sense-%e2%80%93-more-on-obamacare-details-and-clarification-on-the-mandate-and-more/feed/ 0 care,health,insurance,law,Obamacare,reform I have asked my special guest, Dwight Mazzone to return and give us more details on the most talked about parts of the new Healthcare Law. The individual mandate to buy Health Insurance, the waivers for religious, union and large corporations. I have asked my special guest, Dwight Mazzone to return and give us more details on the most talked about parts of the new Healthcare Law. The individual mandate to buy Health Insurance, the waivers for religious, union and large corporations. What about the idea of portability across state lines? Recap of what the Health Care Exchanges are. What about the 30 million or whatever the true number is? Will this force rationing? Is Obamacare free? What about the lack of Tort Reform. Join us as we discuss these subjects and our gut feelings as too exactly what will happen when the law is fully implemented in 2014. Email Dwight Mazzone with questions at dmazz1@earthlink.net (mailto:dmazz1@earthlink.net). Jacqueline Thornhill no 31:45 http://webtalkradio.net/2011/03/21/planning-with-dollars-and-sense-%e2%80%93-social-security-survivors-benefits-just-how-important-are-they/ http://webtalkradio.net/2011/03/21/planning-with-dollars-and-sense-%e2%80%93-social-security-survivors-benefits-just-how-important-are-they/#comments Mon, 21 Mar 2011 05:01:38 +0000 billschiffler http://webtalkradio.net/?p=24795 The loss of the family wage earner can be devastating, both emotionally and financially. Social Security helps by providing income for the families of workers who die. In fact, 98 of every 100 children could get benefits if a working parent dies. And Social Security pays more benefits to children than any other federal program. This comes directly from the … Read more about this episode...

]]> The loss of the family wage earner can be devastating, both emotionally and financially. Social Security helps by providing income for the families of workers who die. In fact, 98 of every 100 children could get benefits if a working parent dies. And Social Security pays more benefits to children than any other federal program. This comes directly from the Social Security Website. Join my discussion today as I detail this all important benefit, how to qualify, how minor children qualify as well as divorced widows or widowers and tax implications. I still maintain that Congress WILL have to fix the trillions in unfunded liabilities and SOON.

]]> http://webtalkradio.net/2011/03/21/planning-with-dollars-and-sense-%e2%80%93-social-security-survivors-benefits-just-how-important-are-they/feed/ 0 benefit,children,security,social The loss of the family wage earner can be devastating, both emotionally and financially. Social Security helps by providing income for the families of workers who die. In fact, 98 of every 100 children could get benefits if a working parent dies. The loss of the family wage earner can be devastating, both emotionally and financially. Social Security helps by providing income for the families of workers who die. In fact, 98 of every 100 children could get benefits if a working parent dies. And Social Security pays more benefits to children than any other federal program. This comes directly from the Social Security Website (http://www.ssa.gov). Join my discussion today as I detail this all important benefit, how to qualify, how minor children qualify as well as divorced widows or widowers and tax implications. I still maintain that Congress WILL have to fix the trillions in unfunded liabilities and SOON. Jacqueline Thornhill no 32:54 http://webtalkradio.net/2011/03/14/planning-with-dollars-and-sense-%e2%80%93-social-security-disabilitydo-i-really-need-an-attorney-to-qualify-probably/ http://webtalkradio.net/2011/03/14/planning-with-dollars-and-sense-%e2%80%93-social-security-disabilitydo-i-really-need-an-attorney-to-qualify-probably/#comments Mon, 14 Mar 2011 05:01:11 +0000 billschiffler http://webtalkradio.net/?p=24420 Social Security Disability benefits are available to anyone who meets the minimum eligibility requirements. Working and paid into the system through Social Security payroll taxes. So why is it so difficult to have your claim approved? Disability benefits have the most stringent definition of disability, permanent or terminable. Are you saying I have to be dying to qualify? No, not … Read more about this episode...

]]> Social Security Disability benefits are available to anyone who meets the minimum eligibility requirements. Working and paid into the system through Social Security payroll taxes. So why is it so difficult to have your claim approved? Disability benefits have the most stringent definition of disability, permanent or terminable. Are you saying I have to be dying to qualify? No, not in every case, but the first time you file a claim, you are likely to be turned down. The statistics are, roughly 25% of claimants are approved usually with the help of an attorney. Join my discussion with Attorney and Social Security advocate, Marianne Lanuti as she outlines the 5 step process to file a claim. For more information go to SSA.gov, the Social Security website and contact your local Bar Association for Attorney’s who specialize in Social Security representation. If you live in the state of Nevada, you can email Marianne Lanuti.

]]> http://webtalkradio.net/2011/03/14/planning-with-dollars-and-sense-%e2%80%93-social-security-disabilitydo-i-really-need-an-attorney-to-qualify-probably/feed/ 0 benefits,claims,disability,filing,Jacqueline Thornhill,security,social Social Security Disability benefits are available to anyone who meets the minimum eligibility requirements. Working and paid into the system through Social Security payroll taxes. So why is it so difficult to have your claim approved? Social Security Disability benefits are available to anyone who meets the minimum eligibility requirements. Working and paid into the system through Social Security payroll taxes. So why is it so difficult to have your claim approved? Disability benefits have the most stringent definition of disability, permanent or terminable. Are you saying I have to be dying to qualify? No, not in every case, but the first time you file a claim, you are likely to be turned down. The statistics are, roughly 25% of claimants are approved usually with the help of an attorney. Join my discussion with Attorney and Social Security advocate, Marianne Lanuti as she outlines the 5 step process to file a claim. For more information go to SSA.gov (http://www.ssa.gov), the Social Security website and contact your local Bar Association for Attorney's who specialize in Social Security representation. If you live in the state of Nevada, you can email Marianne Lanuti (mailto:nvkidslaw@aol.com). Jacqueline Thornhill no 33:04 http://webtalkradio.net/2011/03/07/planning-with-dollars-and-sense-%e2%80%93-ive-paid-in-all-my-life-will-social-security-be-there-when-i-retire/ http://webtalkradio.net/2011/03/07/planning-with-dollars-and-sense-%e2%80%93-ive-paid-in-all-my-life-will-social-security-be-there-when-i-retire/#comments Mon, 07 Mar 2011 05:01:31 +0000 billschiffler http://webtalkradio.net/?p=24193 Most people don’t know how long they will live. Most people don’t know if and when they will run out of money. We are being told that the Social Security Trust Fund has $2 Trillion dollars in it and will run surpluses for the next 14 years and grow to $4.3 Trillion by the end of 2023. Really? I believe … Read more about this episode...

]]> Most people don’t know how long they will live. Most people don’t know if and when they will run out of money. We are being told that the Social Security Trust Fund has $2 Trillion dollars in it and will run surpluses for the next 14 years and grow to $4.3 Trillion by the end of 2023. Really? I believe that Social Security is currently paying out more than it takes in and what goes out of our paychecks today goes straight into the hands of the current recipients. Yes, there may be $2 Trillion in the trust fund, but, it consists of Treasury Bonds, so actually the Government is lending to itself. Economics 101 says that will not work over the long term. Join my discussion this week on what the retirement benefits are, when can you claim benefits, and what the future holds. This show is Part 1 of my discussion on the retirement benefit, Part 2 will look at the Disability and Survivorship benefits. For more information go to the Social Security Website.

]]> http://webtalkradio.net/2011/03/07/planning-with-dollars-and-sense-%e2%80%93-ive-paid-in-all-my-life-will-social-security-be-there-when-i-retire/feed/ 0 benefit,disability,fund,retirement,security,social,trust Most people don't know how long they will live. Most people don't know if and when they will run out of money. We are being told that the Social Security Trust Fund has $2 Trillion dollars in it and will run surpluses for the next 14 years and grow to ... Most people don't know how long they will live. Most people don't know if and when they will run out of money. We are being told that the Social Security Trust Fund has $2 Trillion dollars in it and will run surpluses for the next 14 years and grow to $4.3 Trillion by the end of 2023. Really? I believe that Social Security is currently paying out more than it takes in and what goes out of our paychecks today goes straight into the hands of the current recipients. Yes, there may be $2 Trillion in the trust fund, but, it consists of Treasury Bonds, so actually the Government is lending to itself. Economics 101 says that will not work over the long term. Join my discussion this week on what the retirement benefits are, when can you claim benefits, and what the future holds. This show is Part 1 of my discussion on the retirement benefit, Part 2 will look at the Disability and Survivorship benefits. For more information go to the Social Security Website. (http://www.ssa.gov) Jacqueline Thornhill no 29:47 http://webtalkradio.net/2011/02/28/planning-with-dollars-and-sense-%e2%80%93-obamacare-what-was-congress-and-the-president-thinking/ http://webtalkradio.net/2011/02/28/planning-with-dollars-and-sense-%e2%80%93-obamacare-what-was-congress-and-the-president-thinking/#comments Mon, 28 Feb 2011 05:02:17 +0000 billschiffler http://webtalkradio.net/?p=23916 The new healthcare law known as “Obamacare” has created a firestorm of criticism, rhetoric, misunderstanding and downright anger. What does all this mean? And, more to the point, how is this going to affect the individuals and small business owners? Why are some many waivers, (opting out,) being given to large companies, certain religious groups and of all things the … Read more about this episode...

]]> The new healthcare law known as “Obamacare” has created a firestorm of criticism, rhetoric, misunderstanding and downright anger. What does all this mean? And, more to the point, how is this going to affect the individuals and small business owners? Why are some many waivers, (opting out,) being given to large companies, certain religious groups and of all things the unions? Were the not ones who pounded the pavement? What are the health insurance exchanges? How will the federal government continue to fund Medicare, what about the States and Medicaid? Join me and my special guest, Dwight Mazzone, a 39 year health insurance agent, as we discuss these topics and more. Dwight just returned from Washington DC where he met with legislators, officials from HHS and also finished discussions with the Nevada State Insurance Commission. Please go to the National Association of Health Underwriters to find out information on health insurance and agents in your state.

]]> http://webtalkradio.net/2011/02/28/planning-with-dollars-and-sense-%e2%80%93-obamacare-what-was-congress-and-the-president-thinking/feed/ 0 health insurance exchanges,health underwriters,healthcare law,Jacqueline Thornhill,Obamacare The new healthcare law known as "Obamacare" has created a firestorm of criticism, rhetoric, misunderstanding and downright anger. What does all this mean? And, more to the point, how is this going to affect the individuals and small business owners? The new healthcare law known as "Obamacare" has created a firestorm of criticism, rhetoric, misunderstanding and downright anger. What does all this mean? And, more to the point, how is this going to affect the individuals and small business owners? Why are some many waivers, (opting out,) being given to large companies, certain religious groups and of all things the unions? Were the not ones who pounded the pavement? What are the health insurance exchanges? How will the federal government continue to fund Medicare, what about the States and Medicaid? Join me and my special guest, Dwight Mazzone (http://www.mazzoneandassociates.com/), a 39 year health insurance agent, as we discuss these topics and more. Dwight just returned from Washington DC where he met with legislators, officials from HHS and also finished discussions with the Nevada State Insurance Commission. Please go to the National Association of Health Underwriters (http://www.nahu.org/)to find out information on health insurance and agents in your state. Jacqueline Thornhill no 30:34 http://webtalkradio.net/2011/02/21/planning-with-dollars-and-sense-%e2%80%93-will-i-outlive-my-money/ http://webtalkradio.net/2011/02/21/planning-with-dollars-and-sense-%e2%80%93-will-i-outlive-my-money/#comments Mon, 21 Feb 2011 05:01:43 +0000 billschiffler http://webtalkradio.net/?p=23641 We are facing a disturbing prospect: Americans outliving their retirement income looms large. Financial Planners are well positioned to help Americans with this issue. The population is large and growing. By 2010, 100 million Americans were over the age of 55, yet fewer than half of all investors at or near their retirement consider themselves to be “very prepared.” Our … Read more about this episode...

]]> We are facing a disturbing prospect: Americans outliving their retirement income looms large. Financial Planners are well positioned to help Americans with this issue. The population is large and growing. By 2010, 100 million Americans were over the age of 55, yet fewer than half of all investors at or near their retirement consider themselves to be “very prepared.” Our clients have said that maintaining income that meets my needs topped the list of what investors most wanted to learn about in 2011. Next was “not outliving my money.” Concerns about retirement income are a direct result of the market downturn of 2008-2009. Join me as I discuss the 6 Steps to provide a systematic method of producing a custom financial plan to manage income and minimize risk.

]]> http://webtalkradio.net/2011/02/21/planning-with-dollars-and-sense-%e2%80%93-will-i-outlive-my-money/feed/ 0 financial plan,Jacqueline Thornhill,retirement income We are facing a disturbing prospect: Americans outliving their retirement income looms large. Financial Planners are well positioned to help Americans with this issue. The population is large and growing. By 2010, We are facing a disturbing prospect: Americans outliving their retirement income looms large. Financial Planners are well positioned to help Americans with this issue. The population is large and growing. By 2010, 100 million Americans were over the age of 55, yet fewer than half of all investors at or near their retirement consider themselves to be "very prepared." Our clients have said that maintaining income that meets my needs topped the list of what investors most wanted to learn about in 2011. Next was "not outliving my money." Concerns about retirement income are a direct result of the market downturn of 2008-2009. Join me as I discuss the 6 Steps to provide a systematic method of producing a custom financial plan to manage income and minimize risk. Jacqueline Thornhill no 31:12 http://webtalkradio.net/2011/02/14/planning-with-dollars-and-sense-%e2%80%93-women-and-financial-planning-without-a-financial-plan-womens-long-term-outlook-is-at-risk/ http://webtalkradio.net/2011/02/14/planning-with-dollars-and-sense-%e2%80%93-women-and-financial-planning-without-a-financial-plan-womens-long-term-outlook-is-at-risk/#comments Mon, 14 Feb 2011 05:01:10 +0000 billschiffler http://webtalkradio.net/?p=23365 The recession has helped push women to become more educated about their financial lives, more proactive about in making financial decisions and gain more confidence about their financial futures. But too few women have a financial plan in place. This lack of a plan can impact their financial futures over the long run. A 10th anniversary was conducted by Prudential … Read more about this episode...

]]> The recession has helped push women to become more educated about their financial lives, more proactive about in making financial decisions and gain more confidence about their financial futures. But too few women have a financial plan in place. This lack of a plan can impact their financial futures over the long run. A 10th anniversary was conducted by Prudential Financial that showed that 95% of women are involved in the financial decision making with ¼ of women acting as primary decision makers in their households. Women are saving more and paying down debt, and gaining confidence about their finances, but just 1/3 or women have a financial plan in place. Our discussion today will help women with financial planning strategies and also direct them to resources where they can find financial advisors in their area. To locate certified financial professionals in your area go to CFP Board of Standards or The Financial Planning Association

]]> http://webtalkradio.net/2011/02/14/planning-with-dollars-and-sense-%e2%80%93-women-and-financial-planning-without-a-financial-plan-womens-long-term-outlook-is-at-risk/feed/ 0 The recession has helped push women to become more educated about their financial lives, more proactive about in making financial decisions and gain more confidence about their financial futures. But too few women have a financial plan in place. The recession has helped push women to become more educated about their financial lives, more proactive about in making financial decisions and gain more confidence about their financial futures. But too few women have a financial plan in place. This lack of a plan can impact their financial futures over the long run. A 10th anniversary was conducted by Prudential Financial that showed that 95% of women are involved in the financial decision making with ¼ of women acting as primary decision makers in their households. Women are saving more and paying down debt, and gaining confidence about their finances, but just 1/3 or women have a financial plan in place. Our discussion today will help women with financial planning strategies and also direct them to resources where they can find financial advisors in their area. To locate certified financial professionals in your area go to CFP Board of Standards (http://www.cfp.net)or The Financial Planning Association (http://www.fpanet.org) Jacqueline Thornhill no 31:08 http://webtalkradio.net/2011/02/07/planning-with-dollars-and-sense-%e2%80%93-is-21st-century-america-becoming-to-dependent-on-government/ http://webtalkradio.net/2011/02/07/planning-with-dollars-and-sense-%e2%80%93-is-21st-century-america-becoming-to-dependent-on-government/#comments Mon, 07 Feb 2011 05:01:03 +0000 billschiffler http://webtalkradio.net/?p=23064 President Obama has often reminded us, “Government only steps in when the private sector has failed.” Financial Service professionals are that private sector. They are the people that our citizens look to for leadership and help for their very uncertain futures during this economic downturn. If we fail to help our citizens achieve financial independence, then government must play a … Read more about this episode...

]]> President Obama has often reminded us, “Government only steps in when the private sector has failed.” Financial Service professionals are that private sector. They are the people that our citizens look to for leadership and help for their very uncertain futures during this economic downturn. If we fail to help our citizens achieve financial independence, then government must play a bigger role. Join as myself and my special guest, Joe Murtagh, the Dream Speaker, as we detail how our country got in this mess, how banks and insurance companies have come to depend on government regulations, how entitlements such as Social Security has created dependence and what the heck is Socialism.

]]> http://webtalkradio.net/2011/02/07/planning-with-dollars-and-sense-%e2%80%93-is-21st-century-america-becoming-to-dependent-on-government/feed/ 0 President Obama has often reminded us, "Government only steps in when the private sector has failed." Financial Service professionals are that private sector. They are the people that our citizens look to for leadership and help for their very uncertai... President Obama has often reminded us, "Government only steps in when the private sector has failed." Financial Service professionals are that private sector. They are the people that our citizens look to for leadership and help for their very uncertain futures during this economic downturn. If we fail to help our citizens achieve financial independence, then government must play a bigger role. Join as myself and my special guest, Joe Murtagh, the Dream Speaker (http://www.thedreamspeaker.com), as we detail how our country got in this mess, how banks and insurance companies have come to depend on government regulations, how entitlements such as Social Security has created dependence and what the heck is Socialism. Jacqueline Thornhill no 28:23 http://webtalkradio.net/2011/01/31/planning-with-dollars-and-sense-%e2%80%93-finally-all-investment-advisors-will-put-the-needs-of-the-client-first-or-will-they/ http://webtalkradio.net/2011/01/31/planning-with-dollars-and-sense-%e2%80%93-finally-all-investment-advisors-will-put-the-needs-of-the-client-first-or-will-they/#comments Mon, 31 Jan 2011 05:01:23 +0000 billschiffler http://webtalkradio.net/?p=22841 This week’s show is a discussion about the much needed and clearly defined fiduciary standard for all Financial Advisors. This discussion is especially timely early this year as the SEC and Congress are in the process of putting rules and regulations in place that will protect the small retail investing public. The Dodd-Frank financial reform bill signed into law last … Read more about this episode...

]]> This week’s show is a discussion about the much needed and clearly defined fiduciary standard for all Financial Advisors. This discussion is especially timely early this year as the SEC and Congress are in the process of putting rules and regulations in place that will protect the small retail investing public. The Dodd-Frank financial reform bill signed into law last summer called for a study on improving oversight of Investment Advisors. Join our discussion as we speak in plain English just what this means and WHY only Registered Investment Advisors are held to this high ethical standard of client care and not the retail brokerage advisors and firms. My Financial Planning Tip of the Week: How Planners charge for their services.

]]> http://webtalkradio.net/2011/01/31/planning-with-dollars-and-sense-%e2%80%93-finally-all-investment-advisors-will-put-the-needs-of-the-client-first-or-will-they/feed/ 0 This week's show is a discussion about the much needed and clearly defined fiduciary standard for all Financial Advisors. This discussion is especially timely early this year as the SEC and Congress are in the process of putting rules and regulations i... This week's show is a discussion about the much needed and clearly defined fiduciary standard for all Financial Advisors. This discussion is especially timely early this year as the SEC and Congress are in the process of putting rules and regulations in place that will protect the small retail investing public. The Dodd-Frank financial reform bill signed into law last summer called for a study on improving oversight of Investment Advisors. Join our discussion as we speak in plain English just what this means and WHY only Registered Investment Advisors are held to this high ethical standard of client care and not the retail brokerage advisors and firms. My Financial Planning Tip of the Week: How Planners charge for their services. Jacqueline Thornhill no 31:33 http://webtalkradio.net/2011/01/24/planning-with-dollars-and-sense-%e2%80%93-divorce-and-the-marital-home-i-am-underwater-what-do-i-do-help/ http://webtalkradio.net/2011/01/24/planning-with-dollars-and-sense-%e2%80%93-divorce-and-the-marital-home-i-am-underwater-what-do-i-do-help/#comments Mon, 24 Jan 2011 05:01:06 +0000 billschiffler http://webtalkradio.net/?p=22593 The marital home is in many cases the family’s most valuable asset. Before the housing crisis, the home pursuant to a divorce was handled in one of three ways. Sell and split the equity, one spouse buys the other out, or keep the home for the minor children until they graduate. Now that the housing crisis is upon us, a … Read more about this episode...

]]> The marital home is in many cases the family’s most valuable asset. Before the housing crisis, the home pursuant to a divorce was handled in one of three ways. Sell and split the equity, one spouse buys the other out, or keep the home for the minor children until they graduate. Now that the housing crisis is upon us, a fourth and fifth alternative have been created out of necessity; short sales and foreclosures. These alternatives have often resulted as one of the reasons couples are seeking divorce. Our discussion this week addresses the difference between short sales and foreclosures, the effect on your credit scores, choosing a realtor who specializes in these areas, protection of your retirement assets, and to beware of the scams. For more information contact the host, Jackie Thornhill or my guest, Rose Falocco.

]]> http://webtalkradio.net/2011/01/24/planning-with-dollars-and-sense-%e2%80%93-divorce-and-the-marital-home-i-am-underwater-what-do-i-do-help/feed/ 0 handling divorce,housing crisis,Jackie Thornhill,marital home after divorce,protecting your assets The marital home is in many cases the family's most valuable asset. Before the housing crisis, the home pursuant to a divorce was handled in one of three ways. Sell and split the equity, one spouse buys the other out, The marital home is in many cases the family's most valuable asset. Before the housing crisis, the home pursuant to a divorce was handled in one of three ways. Sell and split the equity, one spouse buys the other out, or keep the home for the minor children until they graduate. Now that the housing crisis is upon us, a fourth and fifth alternative have been created out of necessity; short sales and foreclosures. These alternatives have often resulted as one of the reasons couples are seeking divorce. Our discussion this week addresses the difference between short sales and foreclosures, the effect on your credit scores, choosing a realtor who specializes in these areas, protection of your retirement assets, and to beware of the scams. For more information contact the host, Jackie Thornhill (http://www.divorcenet.com/Members/jthornhill)or my guest, Rose Falocco (http://www.rose4realestate.com/home.asp). Jacqueline Thornhill no 28:14 http://webtalkradio.net/2011/01/17/planning-with-dollars-and-sense-%e2%80%93-divorce-and-taxes-yes-the-irs-can-become-a-third-spouse/ http://webtalkradio.net/2011/01/17/planning-with-dollars-and-sense-%e2%80%93-divorce-and-taxes-yes-the-irs-can-become-a-third-spouse/#comments Mon, 17 Jan 2011 05:01:39 +0000 billschiffler http://webtalkradio.net/?p=22400 It’s often said that there are really three parties in a divorce: the husband, the wife and Uncle Sam. Far too many people negotiate and finalize their divorce without taking a proper account of the tax impact of the decisions they are considering. Divorce can be challenging, particularly when it comes to tax time. Which spouse owes taxes? What forms … Read more about this episode...

]]> It’s often said that there are really three parties in a divorce: the husband, the wife and Uncle Sam. Far too many people negotiate and finalize their divorce without taking a proper account of the tax impact of the decisions they are considering. Divorce can be challenging, particularly when it comes to tax time. Which spouse owes taxes? What forms and returns need to be filed? When do I need to file? How do I file? What is the best tax planning strategy for my divorce? Join our discussion this week as we outline the importance of knowing how taxes can impact your settlement, your future income as singles, the children and more. Please read my article: The Benefits of Hiring a Financial Advisor.

]]> http://webtalkradio.net/2011/01/17/planning-with-dollars-and-sense-%e2%80%93-divorce-and-taxes-yes-the-irs-can-become-a-third-spouse/feed/ 0 hiring financial advisor,paying taxes after divorce,tax planning,taxes impact divorce settlement It’s often said that there are really three parties in a divorce: the husband, the wife and Uncle Sam. Far too many people negotiate and finalize their divorce without taking a proper account of the tax impact of the decisions they are considering. It’s often said that there are really three parties in a divorce: the husband, the wife and Uncle Sam. Far too many people negotiate and finalize their divorce without taking a proper account of the tax impact of the decisions they are considering. Divorce can be challenging, particularly when it comes to tax time. Which spouse owes taxes? What forms and returns need to be filed? When do I need to file? How do I file? What is the best tax planning strategy for my divorce? Join our discussion this week as we outline the importance of knowing how taxes can impact your settlement, your future income as singles, the children and more. Please read my article: The Benefits of Hiring a Financial Advisor. ( http://www.divorcenet.com/states/nevada/benefits_of_a_financial_advisor) Jacqueline Thornhill no 34:42 http://webtalkradio.net/2011/01/10/planning-with-dollars-and-sense-%e2%80%93-the-taxman-cometh-and-i-am-here-to-help/ http://webtalkradio.net/2011/01/10/planning-with-dollars-and-sense-%e2%80%93-the-taxman-cometh-and-i-am-here-to-help/#comments Mon, 10 Jan 2011 05:01:29 +0000 billschiffler http://webtalkradio.net/?p=22105 Congress finally got around to renewing the Bush era tax rates so what now. Join me and my guest as we discuss what this all means for individual taxpayers and small business owners. We define rates, credits, estate tax implications and arm you with enough information to ask intelligent questions of your tax advisor, estate planning attorney and financial advisor. … Read more about this episode...

]]> Congress finally got around to renewing the Bush era tax rates so what now. Join me and my guest as we discuss what this all means for individual taxpayers and small business owners. We define rates, credits, estate tax implications and arm you with enough information to ask intelligent questions of your tax advisor, estate planning attorney and financial advisor. We discuss the advantages of the Social Security tax holiday for the employee and self-employed. Will it extend beyond the initial 6 months? What is next with the Estate Tax and Capital Gains tax? Can individuals and small business owners finally gain some certainty? Join me for a lively and informative show.

]]> http://webtalkradio.net/2011/01/10/planning-with-dollars-and-sense-%e2%80%93-the-taxman-cometh-and-i-am-here-to-help/feed/ 0 Congress finally got around to renewing the Bush era tax rates so what now. Join me and my guest as we discuss what this all means for individual taxpayers and small business owners. We define rates, credits, Congress finally got around to renewing the Bush era tax rates so what now. Join me and my guest as we discuss what this all means for individual taxpayers and small business owners. We define rates, credits, estate tax implications and arm you with enough information to ask intelligent questions of your tax advisor, estate planning attorney and financial advisor. We discuss the advantages of the Social Security tax holiday for the employee and self-employed. Will it extend beyond the initial 6 months? What is next with the Estate Tax and Capital Gains tax? Can individuals and small business owners finally gain some certainty? Join me for a lively and informative show. Jacqueline Thornhill no 31:13 http://webtalkradio.net/2011/01/03/planning-with-dollars-and-sense-%e2%80%93-week-1102/ http://webtalkradio.net/2011/01/03/planning-with-dollars-and-sense-%e2%80%93-week-1102/#comments Mon, 03 Jan 2011 05:01:23 +0000 billschiffler http://webtalkradio.net/?p=21878 Today’s show will review events and trends in the markets and the economy in
2010 important to everyone striving to build their financial security, aswell as discuss year-end financial planning advice. I will also peer intothe future to share my outlook for the New Year, what and where should you
be now. Is gold the place to be? The bond … Read more about this episode...

]]> Today’s show will review events and trends in the markets and the economy in
2010 important to everyone striving to build their financial security, aswell as discuss year-end financial planning advice. I will also peer intothe future to share my outlook for the New Year, what and where should you
be now. Is gold the place to be? The bond market? The Stock Market?

]]> http://webtalkradio.net/2011/01/03/planning-with-dollars-and-sense-%e2%80%93-week-1102/feed/ 0 Today's show will review events and trends in the markets and the economy in 2010 important to everyone striving to build their financial security, aswell as discuss year-end financial planning advice. I will also peer intothe future to share my outlo... Today's show will review events and trends in the markets and the economy in 2010 important to everyone striving to build their financial security, aswell as discuss year-end financial planning advice. I will also peer intothe future to share my outlook for the New Year, what and where should you be now. Is gold the place to be? The bond market? The Stock Market? Jacqueline Thornhill no 28:42 http://webtalkradio.net/2010/12/27/planning-with-dollars-and-sense-%e2%80%93-divorce-financial-analysis-will-i-be-okay-or-out-on-the-street/ http://webtalkradio.net/2010/12/27/planning-with-dollars-and-sense-%e2%80%93-divorce-financial-analysis-will-i-be-okay-or-out-on-the-street/#comments Mon, 27 Dec 2010 23:28:37 +0000 billschiffler http://webtalkradio.net/?p=22020 Emotions are running high and the financial issues inherent to every divorce case are often times the ones that are the most overlooked. Once a divorce settlement has been signed, it’s too late to change it. Who should keep the house? How much will it cost to live post divorce? How much alimony is there going to be and for … Read more about this episode...

]]> Emotions are running high and the financial issues inherent to every divorce case are often times the ones that are the most overlooked. Once a divorce settlement has been signed, it’s too late to change it. Who should keep the house? How much will it cost to live post divorce? How much alimony is there going to be and for how long? Will the custody arrangement affect child support? How can the retirement accounts be split and the money accessed? How can a business be offset? Should a business be valued? What is the value of health care benefits? Most important of all, will the clients be able to financially survive (and thrive) with the settlement post divorce? Join me for a discussion of what you need to know and what to ask your financial advisor and attorney.

]]> http://webtalkradio.net/2010/12/27/planning-with-dollars-and-sense-%e2%80%93-divorce-financial-analysis-will-i-be-okay-or-out-on-the-street/feed/ 0 Emotions are running high and the financial issues inherent to every divorce case are often times the ones that are the most overlooked. Once a divorce settlement has been signed, it’s too late to change it. Who should keep the house? Emotions are running high and the financial issues inherent to every divorce case are often times the ones that are the most overlooked. Once a divorce settlement has been signed, it’s too late to change it. Who should keep the house? How much will it cost to live post divorce? How much alimony is there going to be and for how long? Will the custody arrangement affect child support? How can the retirement accounts be split and the money accessed? How can a business be offset? Should a business be valued? What is the value of health care benefits? Most important of all, will the clients be able to financially survive (and thrive) with the settlement post divorce? Join me for a discussion of what you need to know and what to ask your financial advisor and attorney. Jacqueline Thornhill no 28:55 http://webtalkradio.net/2010/12/20/planning-with-dollars-and-sense-%e2%80%93-week-1052/ http://webtalkradio.net/2010/12/20/planning-with-dollars-and-sense-%e2%80%93-week-1052/#comments Mon, 20 Dec 2010 05:01:47 +0000 billschiffler http://webtalkradio.net/?p=21335 Circle of Neighbors is a community based organization serving thousands of families for over 25 years with over 30,000 national members. They started with a local group of parents with college bound students, many of whom were told they may not qualify for aid because of income and assets. Our motto of Neighbor Helping Neighbor complements the efforts of counselors … Read more about this episode...

]]> Circle of Neighbors is a community based organization serving thousands of families for over 25 years with over 30,000 national members. They started with a local group of parents with college bound students, many of whom were told they may not qualify for aid because of income and assets. Our motto of Neighbor Helping Neighbor complements the efforts of counselors and parents and provides students the opportunity to receive funding they often never knew could be available. Our partnership with the American College Student Registry connects us with students through School Honor Rolls, National Honor Society, Counselors and Teachers, Pre-college tests – PSAT, SAT, ACT, referred by one of our community volunteers, the Who’s Who among American High School Students, students with interests, talents, sports, music, theater etc., and students referred by other members or school ambassadors. Tune in to hear how your college bound kids can realize their college dreams.

]]> http://webtalkradio.net/2010/12/20/planning-with-dollars-and-sense-%e2%80%93-week-1052/feed/ 0 Circle of Neighbors is a community based organization serving thousands of families for over 25 years with over 30,000 national members. They started with a local group of parents with college bound students, Circle of Neighbors is a community based organization serving thousands of families for over 25 years with over 30,000 national members. They started with a local group of parents with college bound students, many of whom were told they may not qualify for aid because of income and assets. Our motto of Neighbor Helping Neighbor complements the efforts of counselors and parents and provides students the opportunity to receive funding they often never knew could be available. Our partnership with the American College Student Registry connects us with students through School Honor Rolls, National Honor Society, Counselors and Teachers, Pre-college tests - PSAT, SAT, ACT, referred by one of our community volunteers, the Who's Who among American High School Students, students with interests, talents, sports, music, theater etc., and students referred by other members or school ambassadors. Tune in to hear how your college bound kids can realize their college dreams. Jacqueline Thornhill no 30:45 http://webtalkradio.net/2010/12/13/planning-with-dollars-and-sense-week-1051/ http://webtalkradio.net/2010/12/13/planning-with-dollars-and-sense-week-1051/#comments Mon, 13 Dec 2010 05:01:17 +0000 billschiffler http://webtalkradio.net/?p=21155 The global economic downturn began fall 2008 and people became concerned for their futures.There were several high profile scams that created a lack of public trust. We, as Financial Planners are not calling this another Great Depression, but how we work with our clients going forward will change dramatically. American individuals and companies have lost trillions in portfolio market values … Read more about this episode...

]]> The global economic downturn began fall 2008 and people became concerned for their futures.There were several high profile scams that created a lack of public trust. We, as Financial Planners are not calling this another Great Depression, but how we work with our clients going forward will change dramatically. American individuals and companies have lost trillions in portfolio market values and as a result, it is time for the investing public to re-focus on long term life and investment planning. My show will introduce the concept of long term financial and life planning to weather the market downturns and manage your future financial goals and dreams. To find a CERTIFIED FINANCIAL PLANNER ™ in your area go to http://www.cfp.net

]]> http://webtalkradio.net/2010/12/13/planning-with-dollars-and-sense-week-1051/feed/ 0 The global economic downturn began fall 2008 and people became concerned for their futures.There were several high profile scams that created a lack of public trust. We, as Financial Planners are not calling this another Great Depression, The global economic downturn began fall 2008 and people became concerned for their futures.There were several high profile scams that created a lack of public trust. We, as Financial Planners are not calling this another Great Depression, but how we work with our clients going forward will change dramatically. American individuals and companies have lost trillions in portfolio market values and as a result, it is time for the investing public to re-focus on long term life and investment planning. My show will introduce the concept of long term financial and life planning to weather the market downturns and manage your future financial goals and dreams. To find a CERTIFIED FINANCIAL PLANNER ™ in your area go to http://www.cfp.net (http://www.cfp.net ) Jacqueline Thornhill no 27:35