More than 1000 companies around the world entered for a chance to pitch Sir Richard Branson in a global startup competition called The Extreme Tech Challenge.

The top 25 will be announced this Sunday at a big fundraiser in San Francisco between the parent company of the Extreme Tech Challenge, MaiTai Global and Ocean Elders, a group of dignitaries and visionaries around the world whose purpose is to save oceans.

I run the competition along with the brainchild of both the Extreme Tech Challenge and MaiTai Global, Bill Tai.

And we have been combing through all of the applications over the past couple weeks.

The innovation happening globally is incredible.

Over the next hour get ready to hear about some of the coolest, some of the weirdest and some of the most impactful companies being created in places like Capetown South Africa, Bulgaria, Serbia, Tel Aviv, Milan, Tokayo and more.

Here is a shortlist  of the many we discuss:

Fashion

Vow To Be Chic- Bridesmaid dress rental.

Cosign- Allows you to shop directly from a picture.

Money

Caysh-Send customized digital giftcards

Zave App- Rounds up to the dollar and puts that money into a savings or investment account.

Innovation in Emerging Countries

Golden Minds- Building a biometric finger scanner to prevent baby theft in Serbia

Bibak-A company, which is located in Milan, italy, that has created a unique combo of sensors able to detect even plastic and wooden landmines across multiple terrains. Their first market is Afghanistan.

Wakati.org- This company has created solar powered food storage to be used by farmers in emerging countries to make more money off their crop and have less waste from food spoiling.

Health

Innovative Health Solutions- Developing a tooth scanner with a smart sensor that will help diagnose tooth disease or potential of it at an early stage.

Singfit- It's an app which combines the clinical power of singing with a musical therapist designed program that has been proven to elevate the mood of people with dementia by 42%.

Media

Captive Media-This company is reaching millennial men "where they are" at the urinal with engaging content on video screens at each station.

Video Checkout- A checkout button is built into videos on Facebook to allow people to donate instantly.

Cannabis

Massroots.com- The worlds largest social network for cannabis

Seattle Cannabis Exchange- A platform that creates business management systems for people in that business. There are specific laws that growers and sellers must follow and they need to even track seeds. This system helps companies do that.

Pet Innvoations

Dogstar Life- Happiness tracker for dogs.

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 upcoming seminar on Thursday, November 5th at the Elks Lodge in Palo Alto. 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.

Jack Mohr (Jim Cramer’s Charitable Trust) is back on the show as we discuss Apple’s success in iPhone sales in China, Alibaba’s huge increase in revenue, reasons for Twitter’s stalled user growth and other market news.

I equate the Chinese market to gambling and stress buying stock in quality companies.

Advice on keeping your financial advisor and custodian separate to protect your assets.

I also talk about a survey that shows many Americans hold 65% of their net worth in cash instead of investments and how this is hurting their retirement plans.

Things you need to do now to be ready for taxes next April and big changes in FAFSA.

Don't forget to register for our upcoming seminar on Thursday, November 5th at the Elks Lodge in Palo Alto. 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.

How to pass down money to young people without allowing them to make irresponsible decisions.

I express my frustration with with Social Security hold-harmless rule which may cause Medicare Part B premium costs to increase for those signing up for the first time in 2016 or those delaying or suspending social security.

Keeping in the holiday spirit I go through my 666 list:

• 6 Unexpected Retirement Expenses
• 6 Scary Retirement Statistics
• 6 Common Financial Planning Projection Mistakes

Don't forget to register for our upcoming seminar on Thursday, November 5th at the Elks Lodge in Palo Alto. 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.

Everyone seems to be distracted today thanks to technology and so much noise online. Fortunately Ben Parr, author of "Captivology: The Science of Catching People's Attention" was able to do just that with Kym. He has the secrets to capturing the attention of customers, partners, investors and more. He explains the tiers of gathering people's attention being similar to a fire from ignition to kindling to bonfire, why his book is not a how-to for self-promoters, and how violating expectations of your customers might just be your key to success.

Ben and Kym also respond to several callers:

• John McMillian- What is the best way to get investors to open and look at your email?
• Michael Harmell- Ben's top "Do's and Don'ts" to startups looking for fundraising.
• Hans Horchner-How to sell non-exclusive licenses to companies like Uber, Tesla, Google and Volkswagen.
• Scott Kennedy-How do you captivate the individual with a story when collective action is needed to make a difference in a field?
• Thuy Lee- Will starting a non-profit help promote your for-profit business? When is that a good fit?
• Wendy Burkhart-We have an app we're creating that helps baby boomers find roommates. How can we tell our story in the most effective manner to get customers?
• Grace Cerrone- What is the best way to tell a heartfelt story when people believe they already know your brand? Basically, how do you create a new brand association with an already familiar brand when you buy a domain name previously used by another party?

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 upcoming seminar on Thursday, November 5th at the Elks Lodge in Palo Alto. 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.

Today I discuss the earning results for Chipotle, United Technology, Yahoo! and others.

Are you retiring based on growth assumptions that are too high?

I also answer several listeners' questions:

• James calls in to discuss how outstanding student debts will shape our economic future.
• Jamie asks if it is wise to gift 14k/year to children for tax purposes.
• Dean wants to know if I prefer monthly or percentage based rebalancing for portfolios.
• What are the pros and cons of converting a 401k to a Roth IRA?
• Joel asks if he should wait until next April to request his first IRA distribution and should he take RMD due from an old 401k for his bank account IRA.

Don't forget to register for our upcoming seminar on Thursday, November 5th at the Elks lodge in Palo Alto. 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 review current market news as well as the 14th straight quarterly fall in IBM's revenue, whether or not the decline in commodities is a buying opportunity and struggles for franchises like McDonalds. I question the pressing issue of US and Russian involvement in Syria. I also discuss:

• The governments decision to not increase social security payments.
• Dividend achiever stocks and ETFs as a step to financial freedom.
• Pros and cons of the typical "Plan B's" in retirement such as working longer or paying off the mortgage early.

Don't forget to register for our upcoming seminar on Thursday, November 5th at the Elks lodge in Palo Alto. 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 calls up entrepreneur Jeff Hoffman and gets the advice that helped him become part of multiple companies including Priceline and uBid. In addition to sharing some techniques he uses for coming up with his next big idea, Jeff gives advice to multiple entrepreneurs just starting out on:

• He discusses the socialization aspect of travel with millennials with Josh Rasmussen from Zipkick.
• Mike from Exhibia asks about the possibility of Priceline auctioning off travel packages pay –per-bid style.
• The importance of the “go to market” strategy that helps appeal to investors. 
• He explains the slow then fast approach to expanding a business.
• Becoming dominant in a vertical before you expand.
• Sampriti from Hydroswarm asks about segmenting your investor types when a hard product takes time to complete.

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.

Today I discuss earnings reports from CSX, INTC, JPM and news on TWTR.

John calls in and asks how he should get his retirement plan back on track after spending time unemployed and going back to school.

Long term care insurance planning and tax deductibility options.

Options for your required minimum distributions like a 529 plan and ESA.

I also give advice to Ryan with a story about possible negative outcomes of cohabitating without a set financial agreement.

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.

As earning season officially kicks off I discuss the recent market rally and the bottoming process for oil, materials, MLPs and the Chinese stock market.

I question how the government measures the growth of our economy (GDP).

I also catch up on some listeners emails about:

• Protecting the assets you leave your children with a distribution plan.
• Traditional 401k vs. Roth 401k
• A listener's son falls victim to a life insurance agent misrepresenting tax code 7702 as an investment.

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.

Since October is breast cancer awareness month Kym chats with Othman Laraki, who with his partner Elad Gil, want to make genetic testing more accessible and affordable to everyone. His kit which involves a quick saliva test takes testing costs from $4000 to $250 dollars, just 1/16th the price. Othman explains how combining computer science with biology  has contributed to the drop in price and he also discusses how they're marketing this idea to physicians and insurance companies. Kym asks him about testing children when a parent is a known carrier and plans for future types of testing.

Kym also asks Othman about his past at Twitter and secrets for helping companies grow as quickly and strongly as Twitter did while he was there.

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.

Thinking about moving out of state when you retire? It's not a decision you want to wing. Chad Burton, CFP^®, and Rob Black discuss the complicated calculation of taxes and inflation that should go into any decision on where you want to move—or whether you want to move at all.

Commercial-Free

How to pass down money to young people without allowing them to make irresponsible decisions.

I take a listener's call who has a question about estate planning with a second marriage.

A young man sends me an email question about term life insurance in his 30's.

Things you'll want to know before you hire a financial planner.

Why you should call your tax advisor even if April 15 is a ways away.

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.

Mashup-Edition

I answer questions about distributions from mutual funds, company stock and fund fees in a 401k and what to do when your HR department gives you nothing but bad choices to pick from.  I also take a look at earthquake insurance and paying off your home, the Russian economy and delaying your retirement to help your adult children.

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 Edition

Kym opens today show by reflecting on the public concern of robot overlords when IBM began developing smart machines in the 60’s. 50 years later people are clamoring over the thought of having robots around. That’s why Kym calls up Sphero CEO, Paul Berberian, to find out what we can expect in the future of robotics. They also discuss:

• How Sphero formed a relationship with Disney to create the BB-8 ball droid in the upcoming Star Wars movie.
• The instant success of the BB-8 toy and what it can do.
• How the Sphero droids are being used in schools to help kids learn code.

They also talk with callers who are developing their own robots.

• A robot being used to help with sorting garbage and recyclables.
• A drone that delivers defibrillation supplies to people having a heart attack before medical help arrives.
• Artificially intelligent avatars that “learn to become you”.

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.