Staying in the Black
Stay in the Black is dedicated helping teachers get their money straight and live their fullest life on a public servant salary Are you a teacher living check to check? Are you worried about your student loans? Can you afford to purchase a home? Can you afford to have children or send them to college? In this podcast we will cover pensions, student loans, side hustles and ways to maximize and expand your finances. We will also cover budgets, saving, credit and more! You will find information, interviews, book reviews and you will leave with action steps to help you Stay in the Black, for more go to stayingintheblk.com
Episodes
Investing while paying off debt
Utilize the 50/30/20 Budget
50/30/20 budget divides your take-home income into suggested spending in three categories: 50% of net pay for needs, 30% for wants and 20% for savings and debt repayment
For a more aggressive debt payoff budget you may want to use the 50/10/40 Budget dividing your take-home income into suggested spending in three categories: 50% of net pay for needs, 10% for wants and 40% fo...
What is the true cost of purchasing a car? Before you start shopping for a new car, it's important to understand the true cost of purchasing a vehicle. The price you see on the sticker is just the starting point - once you factor in things like taxes, fees, interest rates, and loan payments, the final cost can be significantly higher. And that's not even taking into account the ongoing costs of things like insurance, gas, a...
This week the Federal Reserve enacted its second consecutive 0.75 percentage point interest rate increase, taking its benchmark rate to a range of 2.25%-2.5%.
Brief Background on Host:
Ms. Black, the host of Staying in the Black, is a single mom, homeowner, and public-school educator in NYC. She owns two properties and is one mortgage away from being totally debt-free. She loves traveling the world with her family and has over $500,0...
In today's episode, Ms. Black talks about "Do you have a crypto FOMO?"
The Fear of Missing Out, or FOMO, is a very real phenomenon in the world of crypto. With prices fluctuating rapidly and new coins being created all the time, it can be easy to feel like you're missing out on the next big thing. However, it's important to remember that not every coin is going to make you rich overnight. In fact, most cryptocurr...
In today's episode, Ms. Black talks about "What is Pet Insurance?"
Insurance is a vital part of our lives, protecting us from the unexpected cost of accidents and illnesses. But did you know that there's such a thing as pet insurance? That's right - just like health insurance for people, pet insurance can help to cover the cost of medical care for your furry friend. And with the rising cost of veterinary care, mo...
In today's episode, Ms. Black talks about "How is inflation impacting your current budget?"
Inflation can be a sneaky thing. It's the gradual increase in the prices of goods and services, which means your money starts to stretch a little thinner over time. While a little inflation is good for the economy, too much inflation can be detrimental. So how does inflation impact your current budget?
If you are like most Ame...
In today's episode, Ms. Black talks about "Quarterly Report: Quarter Two"
Ms. Black, the host of Staying in the Black, is a single mom, homeowner, and public-school educator in NYC. She owns two properties and is one mortgage away from being totally debt-free. She loves traveling the world with her family and has over $500,000 in her retirement accounts beyond her pension.
Learn more about Ms. Black:
Website: http://www.s...
5 Negotiation Skills and Strategies
1. Understand the other person's position
2. Keep your emotions in check
3. Talk less, listen more
4. Don't walk away if you get a 'no'
5. Be assertive about what you want, but stay flexible
College applications $450
College visit $ 400
Senior dues $450 (including yearbook, prom, school senior trip)
Prom outfit $800
Graduation/birthday party $550
Graduation luncheon $600*
Senior trip $600
Grand total $3,150
*estimate
8 Document Your College Student Needs
1. Insurance for Your Child’s Belongings
2. Durable Power of Attorney
3. HIPAA Authorization Form
4. The Psychiatric Advanced Directive
5. Health Insurance
6. Insurance waiver
7. Living Will/ Medical Power of Attorney/ Advance Healthcare Directive
8. Family Education Rights and Privacy Act (FERPA) Waiver
Bonus
1. Register to vote
2. Medical and Dental Appointments
The victims of the Texas school shooting in Uvalde - Los Angeles Times
https://www.latimes.com/california/story/2022-05-25/victims-of-uvalde-texas-school-shooting
https://www.verifythis.com/article/news/verify/crime-verify/more-children-killed-school-shootings-than-law-enforcement-police-killed-gunfire-firearms-2...
In today's episode, Ms. Black talks about "What Should You Teach Your Kids About Personal Finance?"
Ms. Black, the host of Staying in the Black, is a single mom, homeowner, and public-school educator in NYC. She owns two properties and is one mortgage away from being totally debt-free. She loves traveling the world with her family and has over $500,000 in her retirement accounts beyond her pension.
Learn more about Ms. ...
In today's episode, Ms. Black talks about "The 7 Stages Of Financial Freedom"
Ms. Black, the host of Staying in the Black, is a single mom, homeowner, and public-school educator in NYC. She owns two properties and is one mortgage away from being totally debt-free. She loves traveling the world with her family and has over $500,000 in her retirement accounts beyond her pension.
THE 7 STAGES OF FINANCIAL FREEDOM
1. CLARITY
Y...
In today's episode, Ms. Black talks about "The Cost Of My Senior Year In Highschool"
Ms. Black, the host of Staying in the Black, is a single mom, homeowner, and public-school educator in NYC. She owns two properties and is one mortgage away from being totally debt-free. She loves traveling the world with her family and has over $500,000 in her retirement accounts beyond her pension.
In today's episode, Ms. Black talks about "Quarterly Report: Quarter One"
Ms. Black, the host of Staying in the Black, is a single mom, homeowner, and public-school educator in NYC. She owns two properties and is one mortgage away from being totally debt-free. She loves traveling the world with her family and has over $500,000 in her retirement accounts beyond her pension.
In today's episode, Ms. Black talks about "My Experience With Credit Cards"
Ms. Black, the host of Staying in the Black, is a single mom, homeowner, and public-school educator in NYC. She owns two properties and is one mortgage away from being totally debt-free. She loves traveling the world with her family and has over $500,000 in her retirement accounts beyond her pension.
In today's episode, Ms. Black talks about "A Glimpse Into Financial Literacy Month"
Ms. Black, the host of Staying in the Black, is a single mom, homeowner, and public-school educator in NYC. She owns two properties and is one mortgage away from being totally debt-free. She loves traveling the world with her family and has over $500,000 in her retirement accounts beyond her pension.
In today's episode, Ms. Black talks about "The Dangers Of Impulse Purchases"
Ms. Black, the host of Staying in the Black, is a single mom, homeowner, and public-school educator in NYC. She owns two properties and is one mortgage away from being totally debt-free. She loves traveling the world with her family and has over $500,000 in her retirement accounts beyond her pension.
Learn more about Ms. Black:
Website: http://www...
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