Today Kym chats with Michael Levitt, a serial entrepreneur who has been involved with several well known companies. Kym will begin by finding out how Michael got into technology and how a job as a security guard led to a job with the Department of Defense. He then tells us why he got into coding and what he learned from his first failed startup company. We then learn how Amazon and the “silly technology scheme” inspired BlueLight.com and how he could have saved AOL during the broadband switch. Former Samsung Executive Steven Rahman calls in to talk about Silicon Valley’s tech bubble and what China is doing to help.

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 open today’s show by discussing the Bay Area’s growing housing crisis, explaining why it is not the same as the mortgage meltdown and pointing out where the problem really lies. I then provide a refresher course on risks of retirement and explain what asset allocation really means. I also talk about non-portfolio related situations to consider in retirement and discuss rebalancing difficulties both in retirement and while working.

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.

Rob opens today's show with several stories including one that shows just how expensive real estate in the Bay Area has become. He then relates this story to the oil crisis and explains how understanding supply and demand helps to understand investing. Other topics discussed today include:

• Being cautious of pushy investors and scammy techniques.
• Comparing stocks on Wall Street.
• Having a financial plan, especially when you are married or have children.
• Paying attention to your spending on fundamentals.
• How does the stock market currently resemble "Dad Bod"?

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.

This week Kym chats with Boom founder Blake Scholl to learn about the next supersonic jet. First off we will hear about a near death experience where he was able to save his parents and himself from going off a cliff. Kym then asks Blake what went wrong with air travel that caused innovation to stall, and what makes Boom planes more practical than the now defunct Concorde. Blake also explains why he had to look away from Silicon Valley for Boom to become a success, where he is at in development and talks about obstacles he has had to overcome. We also learn about his recent meeting with Sir Richard Branson which has led to a deal with Virgin Airways.

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.

A conversation I overheard brings up a discussion about dealing with children who are bad with money, especially when it affects your estate plan. I then discuss leaving money in a living trust and naming a trustee. A Bloomberg article about American’s choosing to study abroad leads me to explain how 529 plans can be used outside of the US. Why you should take a trial run at retirement. I respond to Dan’s question about where to keep safe money and provide an interesting alternative to an FDIC. Bad rules of thumb for retirement planning.

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.

Estate planning attorney Michelle Lerman calls in and tells us about options for the new Transfer-On-Death Deed (TOD) and if a living trust is still the best option for leaving your home to an heir. She then walks us through the steps for setting up a TOD Deed and mentions several pros and cons. We also discuss the new California Law giving rights to the terminally ill patient to request life ending treatments.

Later on I discuss things to consider as you file taxes such as state sales tax deduction, child care and the American opportunity tax credit. A caller asks for my opinion about safe money invested in two different funds. I also explain new "computer" benefits for 529 college savings plans and I discuss what index beating active mutual funds have in common.

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.

Joining Kym today is Dr. Harvey Fishman, founder of the Stanford Retinal Prosthesis Project. He explains how the iris alone is a muscle that can be used to identify people as you would a fingerprint as well as detect diseases. Kym then has Dr. Fishman talk to us about several other eye health and technology subjects including:

• Biometric technology to monitor immigration
• Technology controlled by eyes
• Eye health facts and myths related to technology
• Blue blockers and dry eye syndrome
• Retinal prosthesis aka the Bionic Eye
• Startups currently in progress including digital health and the Cool Doctors app
• Stem cells, drops and gene therapy for cataracts
• Potential impact of virtual reality headsets

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 Rob Black talks about several news stories including Avon planning to cut jobs and move headquarters, Obama blocking oil drilling in Atlantic waters, and Lyft teaming up with General Motors to start a short term rental program. He also talks to us about avoiding a retirement savings crisis as the amount of poor Americans is expected to triple by 2050.

Rob and I discuss which media sources we trust for financial data and talk about quantitative easing. Patrick O’Hare tells us why the turnaround in the market does not mean everything is well in the economy and if slow growth means we are headed for a recession.

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 open today’s show with a rant on the upcoming presidential nominations and the tax code which still desperately needs fixing. I then discuss the sense of relief as the US economy experiences slow growth from the beginning of the years decrease. Other topics include:

• Explanation of short covering
• Is your portfolio right for your risk number, old life insurance policies and long term care insurance situations
• I respond to and email about protecting yourself from fraud.
• Can over-allocating cash harm your retirement success?
• A radio show I listened to about 1031 exchanges and avoiding capital gains urges me to discuss hidden risks and situations you should be wary of

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.

This week Kym calls up Andrea Lake, not only a close friend of hers but a serial entrepreneur who has founded 14 different companies. Kym will start off by questioning Andrea about why she decided to compete on The Apprentice and her relationship with Donald Trump. They then switch to talking about Andrea’s entrepreneurial journey, which began at age 18, making and selling Rhythm Styx. From there she explains how the juggling toys led to the now defunct Anti Establishment t-shirt company that was in stores and worn by major bands. We also learn how she earned the distribution rights to popular video games and franchises including World of Warcraft, The Walking Dead and Minecraft through J!nx.

Several other companies of Andreas’ are discussed as well as the story of how she became 1.2 million in debt and fought her way out of it.

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.

Rob Black steps in again and begins today’s show by explaining why you should invest in term life insurance instead of variable or whole life insurances. He then discusses multiple tactics that get you to retirement including using budgeting sites like Mint or Nerd Wallet and not wasting college money on useless degrees.  He also tells the story of how he and I met to explain what a CFP gets you that books won’t before wrapping up with some important tips he feels everybody should follow.

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.

Long-term-care insurers have been increasing their rates, and more increases are surely to come. Chad Burton, CFP^®, and Rob Black discuss what the insurance covers and other options available.

Commercial-Free

Rob Black gets us excited about investing by announcing Under Armour’s deal with Steph Curry and its potential impact on Under Armour shares. I call in for a discussion on properly investing in term life insurance, differences between investing as a couple vs. investing a single person and retitling assets. Rob also discusses:

• Is the surge in oil prices stabilization or a dead cat bounce?
• What is causing new home sales to drop in the west?
• Ubers sexual assaults cases.
• Apple users being targeted in first known Mac ransomware campaign.
• The Donald Trump dilemma for Republican Party finances.
• Retiring into a bear market.

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.

This week Kym calls up Ben Wild from Iota, the co-founder and CEO of the world’s smallest GPS tracker. Starting off Kym will learn about Bens’ lifelong passion for inventing as he tells us about several prototypes and ideas he had growing up. Ben later tells us how Craigslist sparked the idea for a pet tracker which eventually evolved into Iota. He then explains how Iota works by using home bases and wifi to connect to Iota servers and help find your lost possessions. Ben also addresses potential security issues, crowd sourcing challenges and how Iota maximizes its battery life so only monthly charging is needed.

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.

Jack Mohr calls in to talk about China positively driving US markets and the Feds avoiding major fiscal issues resulting in many people failing to invest in the market. We also discuss if Apple is going too far to protect their brand by refusing to handover one phones data to the FBI and the resurgence of US banks. Other topics for today include:

• Should you consider long term care insurance scenarios
• Modifying the definition of fiduciary responsibility
• Net-zero interest environment hurting retirement
• Depreciating “investments” that kill your retirement
• Tax code reform that needs to happen

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.