Kym and Marcus Weller (Skully.com) discuss the features of a smart motorcycle helmet and how he raised so much money for a product that has yet to hit the market.

Kym asks Marcus how he has used his PhD in psychology and his love of riding motorcycles  and turned it into a Kickstarter campaign.

Marcus gives advice to a few callers on the importance of staying in the public eye and how to keep a continuous flow of money coming in for their Kickstarters.

Country music star and entrepreneur Jo Dee Messina calls in and talks about how she went from producing songs with a major record label to using Facebook and Kickstarter to produce albims.

To have your questions answered by Kym and her guests call 1-800-516-1220 on Thursdays from 2:00-3:00 p.m. (PDT)

Don't forget to register for our seminar tonight July 30th at the Toll House Hotel in Los Gatos. Click HERE to sign up!

Email your money question to chad@newfocusfinancial.com , or call the show at 1-800-516-1220 from 2:00-3:00 p.m. (PDT)

Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.NewFocusFinancial.com.

I ask Michelle Lerman (LermanLaw.com) about how to get the most flexibility out of your estate plan and multiple issues regarding trusts.

I discuss a few instances of wealthy people and long term care insurance.

What is a flexible spending account and how does it affect those with the affordable health care act?

I give some advice to a listener who has saved well, but has had his retirement plans affected thanks to a change in taxes in 2012.

I discuss how sneaker taxes are creating a bigger problem as opposed to fixing them.

What to expect at the upcoming seminar.

Don't forget to register for our upcoming seminar this Thursday, July 30th at the Toll House Hotel in Los Gatos. Click HERE to sign up!

Email your money question to chad@newfocusfinancial.com , or call the show at 1-800-516-1220 from 2:00-3:00 p.m. (PDT)

Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.NewFocusFinancial.com.

I discuss the Chinese stock market decline and adjustments to make for seasonal corrections.

I also talk about the repercussions some people face when purchasing a home such as forgoing their 401(k) or not planning with major expenses in mind.

I explain why low-cost ETF's now hold more assets than hedge funds and where hedge funds have failed.

Where do ETF's and mutual funds work best and which ones should you avoid?

I discuss the difference between life insurance, disability insurance and umbrella policies.

What to expect at this week's seminar.

Don't forget to register for our upcoming seminar this Thursday, July 30th at the Toll House Hotel in Los Gatos. Click HERE to sign up!

Email your money question to chad@newfocusfinancial.com , or call the show at 1-800-516-1220 from 2:00-3:00 p.m. (PDT)

Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.NewFocusFinancial.com.

Kym talks to Scott Eddy (@MrScottEddy) and discuss his road to being a major influence in the travel industry, figuring out who to follow and how to engage with people on Twitter. They also talk about why it shouldn't be frowned upon to follow more people than follow you.

Babak Khademi (Tripolette.com) calls in and asks how to use Twitter to raise awareness of his company which connects people who schedule similar travel plans.

George Revusky (ROIWorks.com) phones in to offer tips on using Facebook ads to promote your business and mistakes to avoid.

Rachael McCreary (ShopJewelToned.com) calls in to ask why her business, which has done well with Instagram, has struggled with Facebook ads.

Former Apple employee and current author Guy Kawasaki (Cavana.com) calls in to talk about his newest book which discusses how to create a social media following and using each platform to get referrals.

Nick Lum (BeeLineReader.com) calls in to discuss Tumblr, the picture blog site that has worked out surprisingly well with his demographic.

To have your questions answered by Kym and her guests call 1-800-516-1220 on Thursdays from 2:00-3:00 p.m. (PDT)

Don't forget to register for our seminar next Thursday, July 30th at the Toll House Hotel in Los Gatos. Click HERE to sign up!

Email your money question to chad@newfocusfinancial.com , or call the show at 1-800-516-1220 from 2:00-3:00 p.m. (PDT)

Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.NewFocusFinancial.com.

I cover 15 simple things you can do on your own before you hire a financial planner.Tasks such as tracking your family’s spending, setting budgets, creating emergency reserves, paying off non-mortgage debt and monitoring your credit. I discuss 401k vs. Roth IRAs and other tips that can help you build a financial foundation.

Don't forget to register for our upcoming seminar at the Toll House Hotel in Los Gatos on Thursday, July 30th. Click HERE to sign up

Email your money question to chad@newfocusfinancial.com , or call the show at 1-800-516-1220 from 2:00-3:00 p.m. (PDT)

Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.NewFocusFinancial.com.

Encore presentation

Today, I answer listener's e-mail's. Topics include:

• Why vacation homes and time shares tend to destroy peoples retirement plan and the few instances when they are a good idea.
• Financial planning for your child's college education.
• Why an Indexed Universal Life Insurance policy (ILU)  may not be a good strategy for saving for college.
• Why trying to time the market is a terrible idea.
• Why you need a detailed retirement plan to help adjust for corrections in the market and why your risk tolerance decreases as your portfolio increases.
• Rebalancing your asset allocation when working vs. in retirement.

I also answer a callers question about funding a Roth IRA account in addition to a 401(k) and capital gains on stocks.

Don't forget to register for our upcoming seminar at the Toll House Hotel in Los Gatos on Thursday, July 30th. Click HERE to sign up!

Email your money question to chad@newfocusfinancial.com , or call the show at 1-800-516-1220 from 2:00-3:00 p.m. (PDT)

Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.NewFocusFinancial.com.

Kyle Ellicott (WearableWorld.com) joins Kym to discuss how crowd funding sites have a major impact in the world of wearable tech and major trends amongst adults and children.

Obstacles facing companies like Fitbit such as fashion, poor build quality and battery life.

Blake Fuller (GoPuck.com) calls in to talk about his portable battery which allows you to charge your devices on the go.

Kym and Kyle talk about the most common types of sensors in wearable technology and new alternatives to the less-stylish wristband.

Sonia Sousa (KenzenWear.com) calls in and discusses her product which monitors hydration through sweat analysis.

Bharat Vasan (August.com) calls in and discusses Smart Lock, a product which allows you to control who enters your home without the need of keys or codes. They also talk about how the "internet of things" could help us connect with everything from entire cities to monitoring our health.

Don't forget to register for our seminar at the Toll House Hotel in Los Gatos on Thursday, July 30th. Click HERE to sign up!

To have your questions answered by Kym and her guests call 1-800-516-1220 on Thursdays from 2:00-3:00 p.m. (PDT)

Email your money question to chad@newfocusfinancial.com , or call the show at 1-800-516-1220 from 2:00-3:00 p.m. (PDT)

Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.NewFocusFinancial.com.

I discuss lackluster revenue growth across the market with a spotlight on Wells Fargo.

I talk about the nuclear deal with Iran and discuss the Bloomberg article about key elements of the accord.

I discuss a Wall Street Journal article about the four common stock option mistakes people make.

How to handle identity theft.

I discuss the new IRS portability laws which gives a tax break to married couples who choose not to set up expensive trusts.

Why spending more time investing in the stock market matters more than picking the right stocks.

Don't forget to register for our seminar at the Toll House Hotel in Los Gatos on July 30th. Click HERE to sign up!

Email your money question to chad@newfocusfinancial.com , or call the show at 1-800-516-1220 from 2:00-3:00 p.m. (PDT)

Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.NewFocusFinancial.com.

I discuss Greece receiving its third bailout, the proposed terms they need to approve and the Chinese governments' intervention in the stock market.

How the IRS and Treasury Department plan to amend pension regulations to stop the dangerous lump sum offers being made by many greedy pension plans.

I discuss Hillary Clintons' economic policy proposal which calls for changes to social security higher capital gains taxes. Should you even count on social security?

I discuss a Bankers Life Center for a Secure Retirement article about working in retirement and some ugly surprises baby boomers face competing with the upcoming millennial generation.

How same-sex marriage will have an impact on factors such as social security survivor, widow and divorce benefits.

I answer a listeners' question about paying off her 401(k) loan in one lump sum vs. a payment schedule.

Don't forget to register for our seminar at the Toll House Hotel in Los Gatos on Thursday, July 30th. Click HERE to sign up!

Email your money question to chad@newfocusfinancial.com , or call the show at 1-800-516-1220 from 2:00-3:00 p.m. (PDT)

Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.NewFocusFinancial.com.

People come up with all kinds of reasons to retire, including the "give up" retirement that can follow after a layoff. Chad Burton, CFP^®, and Rob Black discuss these reasons versus the most important factor in decision-making: your portfolio's value.

Commercial-Free

Bill Tai of MaiTaiGlobal.org joins our new Emmy Award winning host Kym McNicholas. They discuss Bills' organization which helps create strong business relationships through kite boarding and how it has evolved to the creation of Extreme Tech Challenge.

Kym and Bill take calls from Extreme Tech Challenge judges and winners including:

• Lars Rasmussen who talks about creating google maps.
• Veronica Serra, a Brazilian investor who talks about judging the Extreme Tech Challenge and investing in Breathometer.
• Charles Michael Yim (Breathometer.com) winner of Shark Tank and Extreme Tech Challenge gives advice to aspiring entrepreneurs wishing to compete and winning ETC.
• Polina Raygorodskaya co-founder and CEO of Wanderu.com talks about her app and competing on ETC.
• Extreme Tech Challenge co-winner Adam Jackson (DoctorOnDemand.com) talks about working with Dr. Phil McGraw on a service which aims to revolutionize our idea of the doctors visit.

Don't forget to register for our seminar at the Toll House Hotel in Los Gatos on Thursday, July 30th. Click HERE to sign up!

To have your questions answered by Kym and her guests call 1-800-516-1220 on Thursdays from 2:00-3:00 p.m. (PDT)

Email your money question to chad@newfocusfinancial.com , or call the show at 1-800-516-1220 from 2:00-3:00 p.m. (PDT)

Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.NewFocusFinancial.com.

I discuss using geometric averages to project long term indexes and realistic returns.

I answer a listeners' e-mail about reaching $1 million in his 401(k) and project if it's actually enough to retire with.

What are the best states to retire in?

A caller asks for clarification on death taxes in states like Oregon. I then give him some unfortunate news on his 401(k) and stress the importance of being financially educated before getting help.

I discuss a recent study about the changing make-up of American families and how issues such as multi-generational homes affect financial plans.

Don't forget to register for our upcoming seminar at the Toll House Hotel on Thursday July 30th in Los Gatos. Click HERE to sign up!

Email your money question to chad@newfocusfinancial.com , or call the show at 1-800-516-1220 from Noon to 1:00 p.m. (PDT)

Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.NewFocusFinancial.com.

I discuss Greece's recent "No" vote concerning the proposed bailout terms and potential global issues if they leave the Euro.

I explain how Greece and the Chinese economy has caused a major decline in basic material stocks.

I discuss the minute exposure to Greek equities in US mutual funds and Greece's downgrade to an emerging economy from a developed market.

I talk about an article by Christine Benz (MorningStar.com) about retirement-portfolio and forecasting mistakes.

A rise in Starbucks coffee prices spurs me to discuss necessary cutbacks you can make to save money.

I answer an e-mail from a listener trying to balance paying off large dental school loans while saving for a home and planning for retirement.

Don't forget to register for our seminar at the Toll House Hotel on Thursday, July 30th in Los Gatos. Click HERE to sign up!

Email your money question to chad@newfocusfinancial.com , or call the show at 1-800-516-1220 from Noon to 1:00 p.m. (PDT)

Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.NewFocusFinancial.com.

Rob Black discusses how the mortgage bubble has spurred a trend in renting over home ownership among millennials and possible future consequences.

Budgeting and investing in your 30's vs. 20's.

Chris Ciaccia (Tech Editor for TheStreet.com) and Rob discuss the services and reception of Apple Music and the lack of excitement over the Apple Watch.

Goals for investing in retirement and simple savings decisions everyone should make.

Don't forget to register for our upcoming seminar at the Toll House Hotel in Los Gatos on Thursday, July 30th. Click HERE to sign up!

Email your money question to chad@newfocusfinancial.com , or call the show at 1-800-516-1220 from Noon to 1:00 p.m. (PDT)

Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.NewFocusFinancial.com.

I take a look at ballooning sovereign debt, social security questions and how much cash investors should have on hand.

Wondering how to calculate the amount of safe money you need to have in retirement to help you make it through market corrections?

I talk about a New York Times questionnaire that shows many Americans to be financially illiterate .

I respond to a listener asking if dropping to part time work after years of full time work will negatively affect his social security payments.

Dealing with children who are underemployed because tof poor college choices, common bad money habits parents teach their children and how to teach youger children about money management.

I discuss why people tend not to trust the stock market because of scammers like Bernie Madoff and stress the importance of getting the right help so you don't get swindled.

Don't forget to register for our seminar on Thursday, July 30th at the Toll House Hotel in Los Gatos. Click HERE to sign up!

Email your money question to chad@newfocusfinancial.com , or call the show at 1-800-516-1220 from Noon to 1:00 p.m. (PDT)

Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.NewFocusFinancial.com.