Today Kym welcomes celebrity designer Marissa Kenson into the studio today and finds out how MK Collab is shaking up the fashion industry. Marissa tells Kym about launching her fist line of apparel in 1983 and changes to marketing strategies she makes to keep up with today’s demand. Kym asks how working with celebrities like the Real Housewives evolved into e-boutique’s. Marissa then explains how MK Collab makes it easy for anyone to become an e-boutique owner and allows owners to connect with buyers. They also talk about cyberhoods and the future of network marketing.

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 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 answer several other 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.

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 visitwww.NewFocusFinancial.com.

Mashup Edition

I rant about the uselessness of the new government created myRA program and its regulations. I also discuss:

• Phasing into retirement vs. a specific date you completely stop working.
• New research on safe withdrawal rates and how much money retirees need.
• Probable effects of the Feds rate hike.
• Filing early and watching your income so your child gets the most out of FAFSA.

I also respond to a listener's email about selling a rental property for a vacation home under a 1031 exchange and talk about rules for creating income on your vacation home.

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

Today Kym discusses cutting edge innovation that will reduce your travel stress this year or get you better prepared for next year.  She chats with the owners of several companies that are disrupting the travel space.

First up is Jeff Potter from Surf Air, a subscription based airline with unlimited private flights. Jeff explains how Surf Air is extremely economical for frequent flyers saving them both money and time and how his member experience is different from major airline companies.

Kym then talks with Michael Harmell from MiFlight, an app that alerts you to airport security wait times. Michael shares the story of how his fear of being stranded in Japan gave him the idea for MiFlight and how MiFlight gets its updated information.

Next is Esther Pun of Tripcipe, a website that takes hassle out of planning your trips itinerary. Esther explains how Tripcipe works and details its many features. She also explains why she is working with popular travel influencers and development plans for 2016.

Kym wraps up with Polina Raygorodskaya from Wanderu, an app that simplifies travel by bus and trains. Kym asks about the millennial preference for public transportation over driving and trends for bus and train travel this holiday season.

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 explaining how some people get swindled by financial advisors and how to spot an illegitimate advisor. I also discuss:

• Protecting your family and yourself from identity theft.
• Financial planning with elderly family members without overriding.
• An article linking giving to happiness in seniors and several options for you to do the same.
• I give Edward my opinion about investing in emerging markets.
• I also define and explain Dollar-Cost Averaging, No-Load funds and ETFs.

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 retiring outside of California as it becomes more of an issue for people to make ends meet when they stop working. Other topics include:

• The best states to live in retirement.
• How to prepare when your retirement is dependent on your home sale.
• Why you should be wary of contributing to a Roth IRA later in life.
• What is The Savers Tax Credit and how is it different from a tax deduction?
• 15 steps to create a solid financial base.

Tate calls in and asks if he should keep his term life insurance policy when he no longer has any dependants to cover.

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

Today Kym interviews Phil McKinney, the former Chief Technology Officer for Hewlett-Packard and current President and CEO of Cable Labs. She begins by finding out about the profound influence the Boy Scouts program has had on his life and why he still credits them for much of his success today. Phil then tells Kym about his decision to switch his studies from architecture to computer graphics before dropping out of college; and how a random phone call for a job interview ultimately led Phil to Silicon Valley and Hewlett-Packard. Phil is a big believer in engaging with his customers and shares a story about spending his weekends at electronics stores that proves real data doesn’t come from third party researches and boardrooms.

Kym then asks Phil how a family friend got him and his wife involved in a charity for Rwanda before telling Kym about his own big announcement, Pioneer.Education.

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 talk about the Federal Reserve meeting happening today and the first potential rate hike since 2006. I also discuss other market news such as the crash in oil prices and the rising US dollar affecting companies in the S&P 500. Boeing announced a major dividend increase. We talk results of the disaster in the high yield bond market and the concerns of Third Avenue Focused Credit Fund suspending withdrawals from its junk bond mutual fund. Other topics include:

• Several ways that investing ONLY for income can hurt you.
• Should you rent in the Bay Area until the next correction? Borrowing from your 401k to make a down payment can be a huge mistake.
• Guidelines for gifting appreciated stocks to charities and tax limitations.
• How Charitable Remainder Unitrust can give you tax breaks and income.
• How technology will transform retirement.

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.

Tony Mendes and Charlie Krackeler are in studio with Rob Black today for a discussion on real estate. Rob introduces Charlie by asking him about the real estate and mortgage educational programs he offers and asks about any trends in students. They also discuss:

• The boom, bust and revival of Bay Area real estate.
• What we should know about the “bad guys” of real estate who only handle the transactions.
• Publicly traded and private REIT’s.
• Charlie gives some advice to young couples that want to get into real estate.
• Buying property out of state and the peninsula.
• Future real estate problems for the Bay Area as home prices continue to increase.
• Tony explains the differences between a conforming loan and jumbo loans.
• Millennials who are buying micro-apartments for the lifestyle instead of single family homes have.

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.

Bill Barhydt joins Kym in studio today as they talk about Abra, Bill’s revolutionary money transfer and payment banking app. Kym learns about Bill’s rather odd journey which begins with wanting to pursue a career with animation and computer graphics. He then tells her how several years of being a research analyst for the CIA and NASA led to a job with Goldman Sachs providing him with financial knowledge he would later need to create Abra. Bill also talks about developing the first payment applications for the internet and making it secure with Netscape. He then explains how texting and increasing cell phone use became his next opportunity for banking and payment applications.

Later on Kym asks Bill why now is the time to create a cashless society, and finds out how Blockchain technology has simplified some major problems that comes with mobile banking. He also explains how Blockchain affects people’s security, how human ATM’s work and why Abra is a more efficient system worldwide.

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.

Encore Edition

Rob Black is filling in again and begins today’s show by talking about another fall in oil as OPEC decides to not change their production targets. He also discusses other market stories such as:

• Another fall in Chipotle stocks and will they be more interesting when the E. coli break is over.
• The slowdown in the Chinese economy.
• LeBron James signing a lifetime deal with Nike for up to 500 million dollars.
• Anglo America cutting 85,000 jobs with plans to sell 60% of their assets.
• Airbnb gets rated the 3rd highest startup, but questions the fact that it has more liability issues than hotels.
• Netflix puts Redbox on road to destruction.
• Recent success for Disney with Star Wars and other movies.
• Katy Perry named the highest paid musician last year.

I call in and talk about market fears like emotional investors, low interest rates with high inflation and how large countries like Japan struggle with debt.

Tony Mendes and Rob discuss home owners insurance, being underinsured and multi policy discounts.

Rob asks Patrick O’Hare if we should be concerned that oil continually hits new lows and why the oil collapse is a problem. He also asks Patrick if we should avoid or find value in the higher interest rates for housing and what effect would 2016 Hillary Clinton election have on the 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.

Sitting in for Chad Burton today is Rob Black. Today Rob discusses the pros and cons of the drop in oil prices as it falls to $38 a barrel for the first time since 2009. Other topics covered include:

• Chipotle attempting to recover from its E. Coli outbreak.
• Smith and Wesson expectations to see strong results in fourth quarter.
• Keurig sells for $14 billion after shares fall 61% this year.
• Hillary Clinton’s proposal to put an exit tax on companies trying to leave the US.
• Government asking Facebook and other companies for help in fighting ISIS.
• Tony Mendes explains to Rob how to get a better rate on your home loan and why it gets tougher once you hit 30.
• I explain the differences between gap insurance, life insurance, disability insurance, key man insurance and umbrella insurance.

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.

Bill Barhydt joins Kym in studio today as they talk about Abra, Bill’s revolutionary money transfer and payment banking app. Kym learns about Bill’s rather odd journey which begins with wanting to pursue a career with animation and computer graphics. He then tells her how several years of being a research analyst for the CIA and NASA led to a job with Goldman Sachs providing him with financial knowledge he would later need to create Abra. Bill also talks about developing the first payment applications for the internet and making it secure with Netscape. He then explains how texting and increasing cell phone use became his next opportunity for banking and payment applications.

Later on Kym asks Bill why now is the time to create a cashless society, and finds out how Blockchain technology has simplified some major problems that comes with mobile banking. He also explains how Blockchain affects people’s security, how human ATM’s work and why Abra is a more efficient system worldwide.

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.

We here at New Focus on Wealth would like to apologize for the following inconvenience. Today's show will not be available due to technical difficulties out of our hands. We will be back on the air Thursday with another live edition of New Focus on Innovation with Kym McNicholas.

Thank you for your understanding.

Some homeowners use their home equity like it's an emergency reserve fund—but that's a bad idea. Chad Burton, CFP^®, and Rob Black discuss the downsides of using your home equity line of credit to pay for expenses and how much you should put aside in an emergency fund.

Commercial-Free

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.

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

Today I discuss retiring outside of California as it becomes more of an issue for people to make ends meet when they stop working. Other topics include:

• The best states to live in retirement.
• How to prepare when your retirement is dependent on your home sale.
• Why you should be wary of contributing to a Roth IRA later in life.
• What is The Savers Tax Credit and how is it different from a tax deduction?
• 15 steps to create a solid financial base.

Tate calls in and asks if he should keep his term life insurance policy when he no longer has any dependants to cover.

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 Kym talks with multiple company founders about the products they have come up with and the holiday deals they are offering this year. This includes:

• Jennifer Clary (BabyBoxCo.com) brings the baby box tradition that helped Finland achieve the lowest infant mortality rate to US.
• Catalina Girald (Naja.co) creates a line of lingerie that is free of cancer causing chemicals and is also environmentally friendly. They also talk about her “Underwear for Hope” fund where all lingerie purchases directly help under-privileged women around the world.
• Chris Boyle (SoloShot.com) invents a robotic camera that tracks you through a worn tag, automatically panning, tilting and zooming to keep you in shot up to 2,000 ft. away.
• Constantin Bisanz (Aloha.com) starts a supplements company that makes healthy living affordable and simpler to understand with his team of nutritionist and experts.
• Lynn starts an app called Hooch which offers one free drink a day to members, ultimately helping them find fun, new places to visit.
• Jamie Morea (Hyperbiotics.com) makes a daily wellness probiotic with a controlled release delivery system that works more efficiently throughout your digestive system.
• Luke comes up with Sweet Jar, an app that allows you to fill a jar with your favorite and new candies before having it delivered to you or a friend.

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 several market stories including S&P’s best week after an overall flat year and the imminent rate hike from Feds. Pfizer merges with Allergan, moving their headquarters to Ireland as a tax-saving strategy. I explain how to give back using appreciated assets and donor-advised funds. James from Piedmont calls in with some comments on the shareholders involved in the Pfizer and Allergan deal. Maximizing social security benefits by phasing into retirement. Reasons to invest in a living trust. I also go over some “Plan B” retirement options and give some advice to Cindy who is considering a 15 year mortgage at age 50.

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.

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 talk about several market reactions to the Paris attacks such as oil stocks and the overall lackluster 2015 returns for most companies. Other topics discussed include:

• Urban Outfitters buying a pizza chain .
• Jeremy Siegel’s recent market commentary and comments on a potential rate hike from the feds.
• Is there any reason for this new myRA account?
• Planning your finances when a significant inheritance is in play. Do you have enough to retire early? Should you lay out a plan to prevent your inheritance from ruining your life?
• I teach you how to do some year-end tax 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.

Kym kicks off today’s show by talking about VenueNext, a venue concierge where fans can have food order food from their seats, purchase merchandise with fan club points and even transfer tickets to friends without fees.

Lisa Dolev, CEO of Qylur Intelligent Systems, calls in and explains how Qylur improves your experience at Levis stadium through self-service, bag screening pods.

She-Rae Chen Descamps, Founder and CEO of FanTalk, discusses her mobile app that connects die-hard fans so they may have in-depth conversations. She also talks about working with former cornerback 49ers Ronnie Lott who is an advisory board member.

Then former 49ers and Saints linebacker Jim Kovach calls in and talks about his medical work with stem cells that will help heal athletes.

He also is involved in CrowdOptic, a company that installs cameras in stadiums and streams video straight to smart glasses and phones offering different views from around the stadium. Fans are also allowed to share their own views amongst each other and even post to social media.

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 several market stories including the drop in Apple stock, McDonalds decision to increase its dividend, BlackRock cutting fees on several ETFs and how a stagnant population is harming GDP growth. I explain major changes for married couples claiming social security. I also respond to questions from:

• Mark who asks how to use the Callan periodic table of investments to make investment decisions.
• Sandra wants to know if she should invest in a 403b plan.
• Cynthia wants to know what type of term life insurance is appropriate for her.
• Paul asks for advice on putting together a trust and mutual funds.
• Another caller asks about individual stocks and funds.
• Trina wonders if I think social security will be viable 50 years from now.

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 rant about the uselessness of the new government created myRA program and its regulations. I also discuss:

• Phasing into retirement vs. a specific date you completely stop working.
• New research on safe withdrawal rates and how much money retirees need.
• Probable effects of the Feds rate hike.
• Filing early and watching your income so your child gets the most out of FAFSA.

I also respond to a listener's email about selling a rental property for a vacation home under a 1031 exchange and talk about rules for creating income on your vacation home.

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.

From market corrections to low interest rates, investors have plenty of concerns that could keep them up at night. Chad Burton, CFP^®, and Rob Black discuss recent issues and how it's important to accept fear and invest—just invest smartly.

Commercial-Free

Wearables are the biggest new innovation in mainstream technology since the smartphone.

Today we are focused on the explosion of smartwatches, fitness trackers, and other connected devices aimed at making you healthier, more fit and more productive.

Internet of things, otherwise known as IoT. It’s basically technology that makes every object smart - even your front door lock of your home.

We have with us Kyle Ellicott, co-founder of WearableWorld, which is what’s called an accelerator where they provide the resources startups need to hopefully grow and succeed. it’s fairly capital intensive to start a wearable or internet of things… because it requires hardware.

Today, he announces ten startups from around the world who are finalists in the running for a spot in their accelerator program:

1. Tinsel

2. BotFactory - mini 3D printing station for circuits.

3. ElectrlQ Power

4. SmartPlate

5. Notion

6. Fueloyal Technology

7. Notch Interfaces

8. XactSense

9. Den

10. Lucid VR

Other great startups in the Wearables Space, which are semi-finalists in the Extreme Tech Challenge:

August: Smart home access products including keyless door entry. You can open your door using your smartphone. Coupled with their connected doorbell which has a camera on it, you can see who’s at your door and speak with them even when you’re not home. 

Bloom Technologies - They’ve created what I would call the fitbit for pregnancy. You wear it during your third trimester and it tracks your contractions. Expecting moms can also track the ups and downs throughout their entire pregnancy.

Captive Media It puts a network of interactive screens in the men’s bathroom where advertisers can create interactive games…the kicker is the sensors they place in the urinals that connect to the monitors —the stream controls the game.

MainTool -They are a company that develops watch straps that make any standard watch smart. i love this because while the fitbit may be a novelty…you wear your swiss watch piece forever.

Revolar - It’s a personal safety device that you can put on your keychain or attach to your clothing…it connects to your cell phone so when you press it, it connects to the app on your phone which ultimately notifies your family and friends you need help. It also sends your location.

Smartplate- It instantly measures what’s on your plate with up to 99% accuracy. It identify, weigh, and analyze your food within seconds. SmartPlate identifies everything from single foods to prepared meals via a side-view picture that's taken from an embedded camera inside the plate. The load sensors weigh the food, and then their app sends both the image and weight data to their proprietary cloud for analysis. Nutritional information is then relayed back to the user’s mobile app.

To see more of the coolest wearable and IoT startups showing off their demos, WearableWorld.co is holding their demo day November 19th 6p-9p. Go to www.wearableworld.co for details.

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 go through the market news talking about Activision buying the company that makes Candy Crush, Tesla’s plans for a more affordable model and Bill Gross’s push for the feds to begin “operation switch” to revive economy. Other topics discussed are:

• Pros and cons of immediate annuities and qualified longevity annuities.
• When and when not to make insurance claims.
• How insurance companies use CLUE Reports.
• Why the 4% rule could be in danger and why you need 3 years of portfolio draws as safe money.

I also respond to listener questions regarding how to allocate $300,000 of safe money, how and when to shop for long term care insurance and handling rental property when approaching retirement.

There's still time to register for our seminar this Thursday, November the 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's show covers the drastic changes to social security claiming strategies under the new 2 year budget agreement.

Michelle Lerman and I discuss retitling your home under a living trust to avoid probate costs and property tax changes after a death.

Michelle explains proper beneficiary designations and trusts for retirement accounts.

I take a closer look at the S&P 500 earning report despite the decline in the Oil sector.

Brian asks about using a life insurance policy vs. 529 plans to save for a child's college education.

I also discuss an article which states recent college graduates may not retire until age 75 and how students can reduce their chances of this.

Don't forget to register for our upcoming seminar this 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.

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.

Scott Smith, CMT, of Briefing.com joins us to discuss technical indicators to watch in 2015. I answer a listener's email question about the pros and cons of Lending Club and I also cover different types of crowd funding.

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!

Today I go over tax issues when inheriting money including IRA’s. I discuss gift tax rules and the advantages of using 529 plans for estate planning and college planning. I also take a look at renting a home vs. buying. I go over an email question regarding using life insurance as an investment and explain the American Opportunity Tax Credit for college. Rob Black and I talk about building a financial base and why you want a fee based financial planner.

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 Mash Up Edition!

Kym and Justin discuss the big news about the new Oculus Virtual Reality headset being offered exclusively to Samsung smart phones and its impact on Apple?

Justin explains his original idea for the live streaming site Justin.tv and the evolution of twitch. 

He answers questions from multiple callers on:

• Strengthening bonds between users to create a thriving online community.
• Deciding between building a big business and selling for a large amount of money.
• What features are critical for creating your own video streaming site. 

He also gives advice for startups trying to gather funding from places like YCombinator and which companies he believes should be on Extreme Tech Challenge.

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 catch up on some listener e-mails and answer the most common questions I get from listeners like you. I cover topics like:

• MLPs: what you need to know about investing in a master limited partnership that could cost you a pretty penny in taxes.
• How to calculate the amount of money you will need in each year of retirement and work out the possible  bugs in your calculations. AND how the one thing you DON’T need to calculate is timing the market.
• James in Piedmont calls in about how much cash to have on hand and the dismal state of bonds.
• Why you don’t want to choose a big bank to be a trustee. 

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

Or to get your question answered on the spot, call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.NewFocusFinancial.com.

Encore Edition.

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.

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.

Joe tells Kym about the Dreamforce conference held in San Francisco and focusing on giving back with digital books.

What inspired him to create UsTyme and how does it differ from other video conferencing apps like Skype and Facetime?

Kym asks Joe how Oracle’s early attempt at interactive television gave him the prototype for UsTyme.

Why does he believe that the activity side of UsTyme creates deeper connections?

Ingrid Sanders (www.popexpert.com) calls in to ask Joe if he believes UsTyme type apps could become a trend in establishing and maintaining relationships.

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 a strangely up US market and other economic news.

Problems with the US corporate tax structure that infuriate and slowly eliminate the middle class.

I respond to an alarming email about social security benefits going to multiple ex-spouses.

Reviewing options for your safe money such as online FDIC savings accounts or a structured CD.

I address the growing problem of child identity theft and signs to look for.

Rob Black and I discuss potential reactions to the possible rise in interest rates.

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.

Commercial-Free

I argue for and against a potential Federal rate increase and what type of stocks may look more attractive after the decision.

Can china keep the stock market sell off from affecting consumers and economic growth?

I answer questions about being agressive in the market, why I dislike privately traded reits, paying off your mortgage after retirement and buying long term care insurance.

Top 10 myths about the social security system.

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.

Commercial-Free

Kym asks Tim about DraperU, his entrepreneurial university that teaches success in the startup community.

Tim explains how DraperU inspired his new television show StartupU and what the show focuses on.

What is happening in the startups Tim finds extremely exciting?

IBM Watson Vice President Lauri Saft calls in and talks about developing a network that partners entrepreneurs with big companies.

Tim answers calls from several startups and offers advice on scaling and obtaining capital.

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)

There's still time to register for tonight's seminar starting at 6:30 p.m. at the Sheraton Hotel in Pleasanton. 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.

Michelle Lerman and I discuss what happens when a will doesn’t address certain scenarios, leaving the state to figure out its intentions.

Why Warren Buffet isn’t afraid of the volatile market and his plans going forward.

Roth IRA vs. Roth 401k

Handling uncomfortable money situations such as dining with bad tippers or investing in a friend’s startup you don’t believe in.

There's still time to register for our upcoming seminar this Thursday, September the 10th at the Sheraton Hotel in Pleasanton. 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.

In a time of low interest rates, some annuities might make sense. Chad Burton, CFP^®, and Rob Black discuss how no-load annuities could play a role in a retirement income strategy, but there are still red flags to look out for.

Commercial-Free

I help a couple change their retirement plan due to health issues.

The true cost of reverse mortgages and when they make sense.

Why high-income earners may not want to roll over their 401k to an IRA.

What is a Backdoor Roth IRA and how does it work?

I use a personal story to discuss accident forgiveness policies offered by insurance companies.

Good exit strategies for baby boomers looking to sell their business. 

Don't forget to register for our upcoming seminar at the Sheraton Hotel in Pleasanton on Thursday, September 10th.

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.

First, Jin Koh of Original Stitch joins Kym to discuss their decision to expand their market of custom dress shirts towards women.

Why have they chosen Silicon Valley as their target market and what has lead Original Stitch to flourish where larger, more established companies like Levi Strauss have failed?

Then, Jodie Fox from Shoes of Prey calls in and tells Kym about the frustrations that lead her to co-find a site where women can custom design shoes to match an outfit perfectly.

What circumstances pushed Jodie to create an off-line presence and what markets does she wish to expand into?

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 next Thursday, September 10th at the Sheraton Hotel in Pleasanton. 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 of Jim Cramer’s Charitable Trust calls in to discuss China and the massive market swings

Ron calls with a question about when to contribute to his Roth IRA and when to convert to his Roth 401k.

China enters a bear market and enters “panic-mode”.

I discuss Professor Siegel’s commentary on interest rates and lackluster GDP growth.

What you should and shouldn’t do when you feel fearful about the market and why you can’t time the market.

How to handle social security issues after a divorce. Do i need to wait to wait till my ex files for eocial security before I do?

Don't foreget to register for our upcoming seminar on Thursday, September 10th at the Sheraton Hotel in Pleasnton. 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 of TheStreet.com and I rejoice over Apple’s spectacular earnings reports. Is the Nasdaq’s recovery different from the last time? What happened to people that avoided bonds? Why you need a combo of stocks, bonds and other products.

 Then I take a call from a listener who’s looking to transition out of a 457 plan and would like to give his portfolio a make-over. Another caller asks about using insurance and annuities as income. Our third caller asks how to rebalance when you’re overweight in certain stocks.

Don't forget to register for our upcoming seminar on Thursday, September 10th at the Sheraton Hotel in Pleasanton. 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 edition

Andy tells Kym all about what it was like creating the first iPhone and a few other stories about working with Steve Jobs at Apple.

Complications that affected the unveiling of the first iPhone that Andy now finds funny.

Kym asks Dr. Aaron Blackledge (CarePractice.com) if the trend of entrepreneurs being overly-aggressive with their business practices is healthy. Kym also learns of other common health risks many don’t know that surround high-level employees.

Andy discusses the massive expectations surrounding Apple and reflects on the leaps that have been made in the world of technology.

What you can expect from Andy’s new design firm, Siberia.io

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 September 10 at the Sheraton Hotel in Pleasanton. 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 on Thursday, September 10th at the Sheraton Hotel in Pleasanton. 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.

What should you expect after today’s stock market decline?          

Want to know what is really happening with the Chinese stock market?

I discuss a Wall Street Journal article titled “5 Things Investors Shouldn’t Do Now”

I cover which sectors of the S&P 500 are experiencing growth.

I explain smart tax moves that work in stock market declines such as Roth Conversions.

Don't forget to register for our upcoming seminar on Thursday, September 10th at the Sheraton Hotel in Pleasanton. 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 learns about Scanadu from co-founder Sam De Brouwer. Sam tells us about the many medical situations Scanadu helps monitors and how it gets its data.

What tragedy prompted Sam and her husband Walter to create this patient friendly medical device and what makes it better than wearable health trackers?

Sam talks about how they rank against their competition and the anticipation surrounding the final product.

Jaymes Hines (StartupEdTech.com) asks Sam if she plans on challenging developers to create ongoing software for Scanadu.

How can you get your own Scanadu?

Kym also talks to Jamie Siminoff about the Ring Video Doorbell; the doorbell that allows you to see and talk with your visitor before answering safely using your smartphone.

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, September 10 at the Sheraton in Pleasanton. 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 give a general overview of the market spotlighting home starts, wage increases at Walmart, the Chinese economy and its global effects on bonds as well as housing in the Bay Area.

Why I believe the fuss surrounding China's volatile market will eventually settle out and how to manage your investments linked to China.

I review scary retirement statistics and tell you how to fix them.

I discuss the HealthView Explorer app that helps plan Medicare costs and the top states to keep retirement health costs low.

How to compare your retirement savings to others in your age and area and stressing the importance of having a good retirement plan.

Don't forget to register for our upcoming event on Thursday, September 10 at the Sheraton Hotel in Pleasanton. 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 take a critical look at what some are calling China's currency war and why it is different from the 1997 Asian currency crisis.

On its 80th birthday, I talk about how social security fits into retirement plans and the changes that need to take place in the future.

Multiple scenarios that determine if it is time to refinance your mortgage.

I discuss an article that claims fees are not the reason active investing often loses to passive investing, which I have stated many times before.

Issues to consider when planning a college savings 529 plan.

Don't forget to register for our upcoming event on Thursday, September 10 at the Sheraton Hotel in Pleasanton. 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 take a critical look at what some are calling China's currency war and why it is different from the 1997 Asian currency crisis.

On its 80th birthday, I talk about how social security fits into retirement plans and the changes that need to take place in the future.

Multiple scenarios that determine if it is time to refinance your mortgage.

I discuss an article that claims fees are not the reason active investing often loses to passive investing, which I have stated many times before.

Issues to consider when planning a college savings 529 plan.

Don't forget to register for our upcoming event on Thursday, September 10 at the Sheraton Hotel in Pleasanton. 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 and Krishna discuss Tynker, a program that teaches kids the fundamentals of coding and programming by making their own video game.

Krishna tells Kym why he is part of Hour of Code, a movement that encourages schools to have children practice code one hour a day.

George Gallegos of Jitterbit calls in and explains why kids still need to learn programming even when his app simplifies programming down to drag and drop.

A student at Princeton asks Krishna how she can get ahead before she takes her first coding class.

Krishna tells Kym why he felt the need to develop Tynker, the problems he faced designing the program and where he wants to take the company next.

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 talk about China's decision to devalue their currency by 2% and the potential global effects.

I make some comments on the ridiculousness of Alan Greenspan's bond market bubble warning.

I talk about medical care concerns for Americans who plan on retiring abroad.

A listener asks if having a pension and social security means he doesn't need bonds.

I discuss a Wall Street Journal article where a teachers retirement is being hurt by his life insurance policy and how to determine if your policy is a retirement wrecker.

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 a few stock market stories such as Google's new company Alphabet and the continuing trend of increased earnings with low revenue growth.

I give examples as to why people who get sucked into trading software programs and real estate classes often end up in bankruptcy. I explain why you should know what is really inside certain REIT investments such as REM.

A listener asks how much she should be investing in a no-load variable annuity with living benefits.

I talk abouta Sarah Von Bargen blog (SarahVonBargen.com) that discusses how the current wants of people often alter their retirement plans; many having to choose between working longer, saving more or "wanting less" in retirement.

I also talk about a Wall Street Journal that tries to scare people into major investing decisions by predicting upcoming crises.

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 and Ayinde Alakoye (founder of iHeartRadio and Hitch Radio) discuss what makes iHeartRadio popular and his motivations for creating the app.

Ayinde tells Kym about his long road to creating iHeartRadio and its failed predecessor.

Roem Baur, contestant from "The Voice", questions Ayinde about the Hitch Radio messaging app that allows artists to connect with their listeners in real time.

David "Stock" Baird (Selocial.com) asks Ayinde about the growth model for Hitch Radio.

Life coach Christine Meyer (ChristineMeyerCoaching.com) discusses how people use music for motivation.

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.

Although it's a good rule of thumb to roll over your 401(k) when leaving a company, there are times you shouldn't. Chad Burton, CFP^®, and Rob Black discuss those times as well as other retirement plan issues, such as pre-tax vs. after-tax dollars and how to figure out if your plan is a bad one.

Commercial-free

I break down the recent correction in the market focusing on revenue growth and decline in various stocks.

Determining the risk number that is right for you.

I give examples on the differences between all stock and balanced portfolios.

A counter argument to an article which declares 401(k)s to be a failure, blaming it on under-education.

I respond to an e-mail where the listener has sold his apartment building and would like alternatives to a 1031 exchange to mitigate taxes.

Another listener intends on buying a house with plans to rent it, but does not have faith in the economy. I explain why it's a terrible idea to invest heavily in only one part of the market.

How do inflation adjustments work after retirement?

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.

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 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.

I talk about possible side-effects of Greece leaving the euro, China's involvement in the eurozone and global stock markets.

I voice my opinions on Professor Jeremy Siegels' (WisdomTree.com) comments on stick market valuation and the economy.

Explain different types of master limited partnerships (MLP's).

I give three examples of when you do not want to roll over your 401(k) to an IRA.

How donor advised funds and charitable remainder uni-trusts (CRUT) help with tax breaks now while increasing your income and leaving a legacy later.

Don't forget to register for our event 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.

Rob Black and I discuss home ownership among baby boomers and how it affects those who have under-saved for retirement.

Rob talks about Netflix's attempt to take over major television networks, Disney's increased cash dividend, HBO and Facebook teaming up to stream television shows, how Uber is causing protests in France and televisions being replaced by other devices.

Chris Ciaccia (Tech Editor for TheStreet.com) informs us that Box.com has partnered with IBM and why he doesn't think Box has a future. He also tells us why he's excited about the Amazon Echo, and its promising signs of being a game changer in artificial intelligence.

Rob also chimes in on health care stocks and Apple music vs. Spotify vs. Pandora.

Don't forget to register for our seminar on 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.

Netflix announces a 7-for-1 stock split.

Jack Mohr (Director of Research for Jim Cramer's Charitable Trust) chimes in about Greece, Fitbit's IPO and oil stocks.

I discuss real estate cap rates, issues that are causing people to fail retirement and I shed a spotlight on elder fraud in our society.

More on why universal life insurance policies are not a great idea for most people.

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

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.

What to look out for when choosing a financial planner.

More news on Greece's proposal for another bailout and what to expect with their EU exit.

I take a listener's e-mail about indexed universal life insurance plans and if they're good for you.

A listener calls in and offers a counter point on indexed universal life insurance policies.

ESPP vs. RSU stocks

I look at how factors such as divorce, second homes and overspending early in life affect people who usually fail when it comes to retiring.

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

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 and I talk about bonds and bond alternatives and how they affect your retirement plans.

Fitbit is compared to the Apple watch and Rob gives his predictions on their future.

Chris Ciaccia talks with Rob and discusses expectations for the upcoming Nintendo NX, the future of wearable technology and the new Jurassic World movie.

Rob also updates us on the market news as we enter the summer months.

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

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 recap an e-mail from yesterday and give a more comprehensive answer about knowing when you are ready for retirement. Other e-mail topics include:

• The difference between ETF’s and index funds and why I prefer one over the other.
•  When is it wise to pay off your mortgage before retirement versus carrying your mortgage into retirement?

I also cover why a Roth 401k may be a good idea for people who are behind on their retirement planning.

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

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 bad money managing habits that parents teach their children. 

Easy examples that you can use to help your children spend and save wisely.

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

• Why one listener who has done well with his investments still needs to visit a financial planner if he wants to retire comfortably.
• Why I prefer dividend growth funds to equity income funds.
• Why I distrust financial authors with no real experience in helping others.

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

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 and Tony Mendes discuss credit card security, using sites like CreditKarma.com to keep your money safe and just how important a good credit score is. Other topics discussed are:

• Updates on home prices in California and the best way for parents to gift money to their children for purchasing a home.
• Why Tony and Rob like borrowing money from HELOC's.
• Issues being faced by people who took home equity lines of credit between 2005 and 2008.
• How lack of affordable housing is affecting renters and home buyers.
• What to expect as interest rates continue to rise in the Bay Area.

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 and I discuss retirement portfolio construction and deconstruction which is just as important.

Rob brings us up to date of various aspects of the news including the Los Angeles upcoming $15 minimum wage increase, Costco becoming a threat in car dealership, and why he likes Netflix being available in hotel rooms.

A caller asks a question about tax rates on long term capital gains and Rob offers a flip argument.

Chris Ciaccia of TheStreet.com gives us his thoughts about the newest Apple announcements as they prepare to take on companies like Google and Facebook which are more likely to share your data for advertising.

Rob also discusses why he likes credit cards as long term investments since non-cash transactions are on the rise globally.

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.

Today Rob Black  advises younger generations on simple ways to start saving for retirement.

Rob also discusses why he views recessions as a good thing and common mistakes people make during one.

Kerry Flynn calls in and elaborates on her article on how social media companies are attracting people from other fields.

She also discusses how coding schools actually make their money.

Rob answers an e-mail from a listener who failed to maintain his portfolio and the ugly consequence.

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.

Today I discuss the steps to build a retirement portfolio that lasts. The White House plans to make tougher rules commission based advisors that manage retirement accounts and don’t have your best interest in mind. Are interest rate increases coming sooner than later?

I also take a caller who has a question about rebalancing his 401k, then I clear up some mis-information regarding taxes on inherited money.

 Encore presentation

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.

Today I dissect Bonds and everything you want to know about them. I also discuss a helpful new article on why you might want to be and stay in bonds. How you should and shouldn’t pick bonds. What makes a good bond manager? What are Floating Rate Funds? And what you need to realize about the risks of owning them. I take a caller’s question about his pension vs. a 401k. Which makes more sense? The surprising benefits and options you have when giving with a donor advised fund or a charitable remainder trust.

Encore presentation 

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.

Today, Rob Black and Tony Mendes discuss buying homes that aren't the most expensive you can afford.

• Rob Black and Tony Mendes discuss buying homes under your loan cap when the market has multiple buyers and few homes.
• Then, they talk about the best and worst states to retire in and why they rank that way.
• Rob, Tony and I debate different forms of financial media and why we trust them.
• Buzz words companies will use to take advantage of people using high priced annuities.
• General rules of thumb to follow when buying and selling stocks.

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.

Commercial-free

Sometimes people want to know who is supplying the parts to big-name companies such as Apple. They figure investing in the suppliers could mean a home run financially, but Chad Burton, CFP^®, and Rob Black discuss whether that's really true.

Commercial-Free