Something On My Mind
This is a finance podcast, but cool. We share real-life experiences where David and the producers crack jokes while also diving into financial literacy and success. This podcast finds the perfect balance between having a laugh and getting down to business.
Episodes
April 15, 2025 • 3 mins
It’s no secret that medical bills are among the most significant expenses we face in our lifetimes. While we often can’t control the cost, there are several ways to soften the financial impact.Let’s perform a diagnosis—and a treatment plan:
- Verify Insurance Processing:
When you receive a medical bill, confirm that your insurance claim has been fully processed. It’s common to receive a bill before insurance adjustments are applied...
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March 5, 2025 • 3 mins
For most owners, when they purchase their homes, the monthly mortgage payment is a fixed amount for 30-years and sometimes 15, people still become accustomed to a standard payment each month.
On top of the mortgage payment is an escrow account established by the lender to manage payments typically for property taxes, homeowners insurance, and, in some cases, private mortgage insurance (PMI).
So each month these expenses are wrapped ...
On top of the mortgage payment is an escrow account established by the lender to manage payments typically for property taxes, homeowners insurance, and, in some cases, private mortgage insurance (PMI).
So each month these expenses are wrapped ...
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February 3, 2025 • 3 mins
In the prior personal finance tip #97 which was how to save on the little things, we mentioned how to be awarded with Amazon digital credits for delaying delivery and we mentioned buying a monthly car wash plan.
We also covered the value of buying long term products and services rather than single use items which occur multiple times. Lastly, we covered the value of buying products on the basis of consumption needs.
Employing this ...
We also covered the value of buying long term products and services rather than single use items which occur multiple times. Lastly, we covered the value of buying products on the basis of consumption needs.
Employing this ...
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January 15, 2025 • 2 mins
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When it comes to budgeting, people think about the monthly expenses for items such as the mortgage/rent, car payment, groc...
https://www.somethingonmymind.net/
Merchandise
https://www.somethingonmymind.net/shop
Social Media
https://www.instagram.com/somm.podcast/
https://www.youtube.com/channel/UChec5qcZBcGkIhUU3belNDw
https://www.tiktok.com/@somm.podcast?lang=en
https://www.facebook.com/somm.podcasthttps://twitter.com/Somm_podcast
When it comes to budgeting, people think about the monthly expenses for items such as the mortgage/rent, car payment, groc...
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January 3, 2025 • 2 mins
According to Bloomberg, auto insurance rates in the US have increased by 37% since January 2020, and as of December 2024, the trend shows no signs of slowing down.This is understandably concerning.
When you factor in car payments, fuel, and maintenance along with insurance, auto expenses can easily become one of the largest budget categories.
Several factors contribute to this rise, with two major ones being the complexity of modern ...
When you factor in car payments, fuel, and maintenance along with insurance, auto expenses can easily become one of the largest budget categories.
Several factors contribute to this rise, with two major ones being the complexity of modern ...
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April 17, 2024 • 3 mins
In times of high interest rate environments, most people will not refinance due to the cost. With that being said, circumstances arise to warrant this, such as divorce, marriage or a job relocation.
For the most part, people wait for the federal reserve to cut rates so that borrowing money is more palatable. For example, at the time of this recording, the average interest rate for a 30-year mortgage is 7%.
So when the rates begin to ...
For the most part, people wait for the federal reserve to cut rates so that borrowing money is more palatable. For example, at the time of this recording, the average interest rate for a 30-year mortgage is 7%.
So when the rates begin to ...
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February 11, 2024 • 3 mins
Today is 2/11/24 which is the Superbowl with the Kansas City Chiefs vs. the San Francisco 49’ers and this marks the 57th time that this game will have been played.
This is a large amount of years, so we decided to run some math based on the amount at which things are consumed and what they cost.
Let’s start with advertising and the cost for a one minute spot during the game:
In 1967: $37,500. For 2024: $7 million. This equates to an...
This is a large amount of years, so we decided to run some math based on the amount at which things are consumed and what they cost.
Let’s start with advertising and the cost for a one minute spot during the game:
In 1967: $37,500. For 2024: $7 million. This equates to an...
Mark as Played
February 8, 2024 • 3 mins
After the December holidays we often hear people talk in social groups and in the media that the credit card bills are coming due as a result of shopping during the December holidays.
Obviously, this means only one thing: that if you have payments coming, debt was compiled that can’t be paid off in one billing cycle. Moreover, the simple fact is that when this occurs, it means that people are buying things that they cannot afford.
...
Obviously, this means only one thing: that if you have payments coming, debt was compiled that can’t be paid off in one billing cycle. Moreover, the simple fact is that when this occurs, it means that people are buying things that they cannot afford.
...
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January 23, 2024 • 2 mins
Okay, you’ve got to be escheating me. What on earth does that mean?
The definition derives from medieval times, in feudal law. When a landowner (tenant of a fief) died without an heir or committed a felony, a process was needed for the ownership of the land.
In modern times it is the right of a government to take ownership of estate assets or unclaimed property in the event there are no heirs or beneficiaries.
In layman's terms, you...
The definition derives from medieval times, in feudal law. When a landowner (tenant of a fief) died without an heir or committed a felony, a process was needed for the ownership of the land.
In modern times it is the right of a government to take ownership of estate assets or unclaimed property in the event there are no heirs or beneficiaries.
In layman's terms, you...
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January 15, 2024 • 2 mins
The United States culture tends to recognize many types of celebrations and this has created a common theme of replacing presents with gift cards. They are easy to purchase, simple to use and the beauty is that people can shop for what they want without having to wrap and return items.
Throughout the years gift cards can accumulate in wallets or desk drawers and many people are waiting to redeem them for a special occasion. Accordin...
Throughout the years gift cards can accumulate in wallets or desk drawers and many people are waiting to redeem them for a special occasion. Accordin...
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According to Zippia.com, in 2021 the average amount homeowners spent on home improvement was $10,341 which was up 25% from 2021. This makes sense as people spent their cabin fever time improving their homes and now that Covid is more controlled.
People are spending more due to M1 money supply with unemployment and stimulus checks. Now that labor rates are rising due to lack of resources, the general contractors and landscaping comp...
People are spending more due to M1 money supply with unemployment and stimulus checks. Now that labor rates are rising due to lack of resources, the general contractors and landscaping comp...
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December 24, 2023 • 2 mins
If you have a dog and a fenced-in yard, this helps your furry companion with better overall health as it provides him the ability to be outdoors, exercise and have a consistent marked territory.
On the other hand, if you do not have a fenced yard, this is where the invisible fencing comes into play. Other than the shock factor that your pet will adapt to, this is a fantastic option.
This has been a common choice for pet owners for ma...
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December 16, 2023 • 2 mins
According to AgHires, Over 74 million Americans grilled out for the 4th of July. Of this food, burgers will be cooked by 85% of people, steak 80%, and chicken 73% and not to mention, 150 million hot dogs.
When it comes to grilling, 61% of people choose propane and 49% for the charcoal purists according to statista.com.
Now that we’ve had some heat on this topic, the last thing that you want to do is run out of propane when you're in...
When it comes to grilling, 61% of people choose propane and 49% for the charcoal purists according to statista.com.
Now that we’ve had some heat on this topic, the last thing that you want to do is run out of propane when you're in...
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December 7, 2023 • 2 mins
When it comes to using a couch, sofa or chair, many people simply use it and do not think about maintenance; however, this may leave you with furniture that wears out prematurely.
So to avoid this, let’s go through some tips:
1. Rotate and fluff seat and back cushions regularly. This simply extends the life of the furniture
2. Rotate identical upholstered accent and dining room chairs when one or more of them are not used regularly. ...
So to avoid this, let’s go through some tips:
1. Rotate and fluff seat and back cushions regularly. This simply extends the life of the furniture
2. Rotate identical upholstered accent and dining room chairs when one or more of them are not used regularly. ...
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November 28, 2023 • 2 mins
Even in times of rising inflation, people seem to be going out and spending money.
This is likely to occur for some time until things are too expensive and we fall into a recession or in stagflation state.
At the moment the world has a handle on Covid and entertainment venues are filling the seats.
So when going to an event, the question is: do you buy your tickets right away or do you wait? If it is a can’t miss, people will pay up...
This is likely to occur for some time until things are too expensive and we fall into a recession or in stagflation state.
At the moment the world has a handle on Covid and entertainment venues are filling the seats.
So when going to an event, the question is: do you buy your tickets right away or do you wait? If it is a can’t miss, people will pay up...
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November 17, 2023 • 2 mins
The Earth might seem like it has abundant water, but in fact less than one percent is available for human use and we are running out of it. So let’s push down the handle on some Flush Facts:
According to the EPA, the average American uses 300 gallons of water per day or about 80 gallons per person. In addition, roughly 70 percent of this use occurs indoors. So it goes without saying that there is always something that we can do. So...
According to the EPA, the average American uses 300 gallons of water per day or about 80 gallons per person. In addition, roughly 70 percent of this use occurs indoors. So it goes without saying that there is always something that we can do. So...
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October 2, 2023 • 2 mins
In times when inflation is rising, we experience higher prices for our goods and services as well as shortages.
For example, In the grocery store, we’ve experienced products in limited supply from toilet paper to baby formula. When a desired product is available, it is emptied as soon as it was stocked.
When it comes to gasoline, supply chain disruption was experienced in 1973 and 1979.
This also occurs during natural disaster situa...
For example, In the grocery store, we’ve experienced products in limited supply from toilet paper to baby formula. When a desired product is available, it is emptied as soon as it was stocked.
When it comes to gasoline, supply chain disruption was experienced in 1973 and 1979.
This also occurs during natural disaster situa...
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July 28, 2023 • 2 mins
This week’s personal finance tip is about Better Battery Co’s Recycling and Delivery Program.
Can you imagine how many batteries are in landfills considering every household uses them?
According to The California Department of Resources and Recycling, it is estimated that 4 billion disposable batteries are shipped to the US each year and that means the average US household uses an estimated 47 batteries per year.
Now this is a daunti...
Can you imagine how many batteries are in landfills considering every household uses them?
According to The California Department of Resources and Recycling, it is estimated that 4 billion disposable batteries are shipped to the US each year and that means the average US household uses an estimated 47 batteries per year.
Now this is a daunti...
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June 30, 2023 • 2 mins
It seems that everyone has a cell phone and back in the day that was the sentiment for owning a television.The difference is that people’s devices are attached to the palm of their hands.
The interesting thing is that a cell phone can cost more than most T.V. 's but we tend to test their durability. It is plausible to say that people drop their phones at least twice a day.
Moreover, we’ve all heard or had stories of losing them and...
The interesting thing is that a cell phone can cost more than most T.V. 's but we tend to test their durability. It is plausible to say that people drop their phones at least twice a day.
Moreover, we’ve all heard or had stories of losing them and...
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June 22, 2023 • 2 mins
It seems that everyone has a cell phone and back in the day that was the sentiment for owning a television.The difference is that people’s devices are attached to the palm of their hands.
The interesting thing is that a cell phone can cost more than most T.V. 's but we tend to test their durability. It is plausible to say that people drop their phones at least twice a day. Moreover, we’ve all heard or had stories of losing them and...
The interesting thing is that a cell phone can cost more than most T.V. 's but we tend to test their durability. It is plausible to say that people drop their phones at least twice a day. Moreover, we’ve all heard or had stories of losing them and...
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