Uber could go public next year and Lyft announces a subscription plan at discounted prices. Is ride sharing cheaper for commuters after you factor in insurance, gas and auto payments? I also look at mixed Q3 returns and the decrease in US home construction and affordability. Other topics include:

• Canada legalizing recreational marijuana
• Americans planning to increase itemized charitable deductions
• International investing- why you do it and why you buy when it’s down
• Comparing scholarship funds
• Common things people don’t ask for help with on their financial plan
• What could end the bull market?
• School fraud and bankruptcy filers

Email your money question to chad@newfocusfinancial.com , or call the show at 1-800-516-1220 on Tuesday's and Wednesday's from 6:00-7:00 a.m. (PDT)

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

There have been rolling corrections in different sectors and in different stocks making this month tough on investors following the large Q3 returns. Is now the time to become more conservative or simply ignore the headlines? Today I discuss:

• Troubling media headlines and geopolitical events
• Sheltering yourself from the chance that stocks and bonds decline at the same time in retirement
• Paying down debt as a way to become more conservative
• Comparing retirement withdrawal strategy articles

Email your money question to chad@newfocusfinancial.com , or call the show at 1-800-516-1220 on Tuesday's and Wednesday's from 6:00-7:00 a.m. (PDT)

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

The 2017 tax cut has drastically changed the way taxes work. Most people in America will no longer itemize their deductions, which has charities frightened that people will stop donating. This could be a very real problem should anybody reconsider charitable gifts if they don’t think they’ll get a tax deduction.

• Best ways to give over age 70 1/2
• Giving appreciated stock instead of cash
• How to use a Donor Advised Fund to lump gifting in order to get a deduction

Email your money question to chad@newfocusfinancial.com , or call the show at 1-800-516-1220 on Tuesday's and Wednesday's from 6:00-7:00 a.m. (PDT)

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

Earnings and revenue growth are up, but volatility has returned to the market. Not only do we now have trade issues causing uncertainty in the market, but a divided congress gives little hope for any change in the future. Today I pick apart the market to try and find out why expectations have come down in a time where growth has outperformed value. Other topics include:

• Qualified Opportunity Zone program
• Tax planning for retirement
• Where to keep your safe money before entering retirement

You’ve set goals for investing . . . so now what? Now is the time to learn a bit more on wealth accumulation and what to do after your 401K. Join me next Saturday, November 17th at the Rotary Summit Center in San Jose. Click HERE to sign up!

Email your money question to chad@newfocusfinancial.com , or call the show at 1-800-516-1220 on Tuesday's and Wednesday's from 6:00-7:00 a.m. (PDT)

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

Election results are in and the Democrats have a house majority.... which means investing with gridlock is the new hot topic. These elections also served as a warning sign to Trump as many of the states that supported his presidency voted democrat. What is going to happen to the market? Other topics include:

• Average returns based on the president’s party and house majorities
• RESA-RetirementEnhancement and Savings Act
• Should you expect social security in your retirement plan?
• Effect of taxes on your retirement income
• Are you saving enough for retirement?

You’ve set goals for investing . . . so now what? Now is the time to learn a bit more on wealth accumulation and what to do after your 401K. Join me on Saturday, November 17th at the Rotary Summit Center in San Jose. Click HERE to sign up!

Email your money question to chad@newfocusfinancial.com , or call the show at 1-800-516-1220 on Tuesday's and Wednesday's from 6:00-7:00 a.m. (PDT)

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

Despite the talk of the market topping out, the economy is still getting stronger thanks to increasing job growth, participation rates and wage growth. These three factors are a sure sign for the Feds that we are ready for a rate increase. Is a December rate hike all but set in stone for this year? Other topics include:

• Snapshot of this year’s market & what is causing the market slowdown
• Being only an index investor
• Debt exposure of small cap indexing
• What to do with risky long term care insurance policies
• Should you let your term insurance expire?

You’ve set goals for investing . . . so now what? Now is the time to learn a bit more on wealth accumulation and what to do after your 401K. Join me on Saturday, November 17th at the Rotary Summit Center in San Jose. Click HERE to sign up!

Email your money question to chad@newfocusfinancial.com , or call the show at 1-800-516-1220 on Tuesday's and Wednesday's from 6:00-7:00 a.m. (PDT)

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

Today may be Halloween, but next week is when spooky stuff starts arriving in the mail. Overall the market is flat on the year, but bonds for the most part are negative. Sometimes we see these points where several asset classes fall at the same time which can be a problem for retirees who average out of classes. Is your portfolio doomed to sell when things are down? Other topics include:

• Rising rates, wage inflation & the need for revenue growth
• ETF’s vs. mutual funds
• Scary financial mistakes

You’ve set goals for investing . . . so now what? Now is the time to learn a bit more on wealth accumulation and what to do after your 401K. Join me on Saturday, November 17th at the Rotary Summit Center in San Jose. Click HERE to sign up!

Email your money question to chad@newfocusfinancial.com , or call the show at 1-800-516-1220 on Tuesday's and Wednesday's from 6:00-7:00 a.m. (PDT)

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