Before we learn how to manifest what we want, we’ll start the show with our “No Dumb Questions” segment. Why is the Chair of the Federal Reserve Board worried for women? Professor Emeritus at University of Wisconsin-Milwaukee and Author of Teachers Can Be Financially Fit, Economist Mark Schug aka Grandpa Mark is here to explain. Click here to email Mark Click here to pick up Mark’s book Click here to learn more about Mark Manifesting what you want in life. Putting together a Vision Board....

Today on the show: Before we talk get into the best way to approach your boss about work-life balance, we’ll start the show with our “No Dumb Questions” segment. One topic that we often get questions about from listeners is budgeting. What is the best way to budget? Is the 50/30/20 rule a good one to follow and is there a good app we can download that will help us stay on track? Our CFP Erica Cummings from The Harmony Financial Wellness Group at RBC Wealth Management will have the answers to...

Today on the show:  Before we talk about Imposter Syndrome, we’ll start the show with our “No Dumb Questions” segment. The housing marketing is still making headlines and breaking records. If you are looking to purchase a house there’s a good chance you’ll have to pay over the asking price to win the bid. So, what’s the best rule of thumb to figure out how much you can REALLY afford? CFP Erica Cummings from The Harmony Financial Wellness Group at RBC Wealth Management will explain. At any...

Today on the show: Before we chat with our featured guest today, we start the show with our “No Dumb Questions” segment. A listener reached out asking about CDs (certificate of deposit). CFP Erica Cummings from The Harmony Financial Wellness Group at RBC Wealth Management will explain what it is and if it's right for you. Author of A Recipe for Bad Lemons, Ingredients for Success from Life’s Sour Moments Angie Hundley is here. Angie opens up about what it was like to grow up in the foster...

Today on the show: Before we talk about the $1,500 life-changing offer, we’ll start the show with our “No Dumb Questions” segment. It’s the last Friday of the month so that means Economist, Professor Emeritus at University Wisconsin-Milwaukee Mark Shug (aka Grandpa Mark) joins the show. Viewing it through the lens of an economist, he’ll give us an unbiased break-down of the most important news stories that impact you and your wallet. A lot of people have strong opinions about who will win the...

Today on the show: Before we talk about being a 'go to' expert and starting an online business, we’ll start the show talking about paying for college. This is a pretty big topic of discussion for a lot of families. As parents sometimes we overextend ourselves to help better our children’s lives. Which just makes us good and loving parents. BUT when it comes to paying for college, this might be where we draw the line. Why do experts suggest steering far away from Parents Plus Loans? We’ll...

Today on the show:  Before we chat about your little white lie, we’ll start the show talking about open enrollment. It’s right around the corner so I want to make sure you have a good understanding of what your options are. Many of you will have the choice to sign up for a High Deductible plan and the HSA that goes along with it. We’ll explain what they are in our “No Dumb Questions” segment with our CFP Erica Cummings from The Harmony Financial Wellness Group at RBC Wealth Management  Then,...

Today on the show: One of the most googled money topics is Public Service Loan Forgiveness. We’ll explain what it is and who qualifies for it in our “No Dumb Questions” segment with our CFP Erica Cummings from The Harmony Financial Wellness Group at RBC Wealth Management  Plus, As we push through 2020 a lot of people are facing tremendous adversity. Today, we want to help you to find happiness and harmony in a very noisy world. International bestselling author, speaker, entrepreneur, Win the...

Today on the show: You hear everyone talking about the low interest rates. How do run the numbers to see if refinancing your mortgage right now makes sense for YOU? We’ll explain in our “No Dumb Questions” segment with our CFP Erica Cummings from The Harmony Financial Wellness Group at RBC Wealth Management  Plus… Your dreams, your goals will become a reality ONLY if you have room for them in your 'Love Bucket.' So, how big is your 'Love bucket?' Founder of 113 Branding Digital Media Studio,...

Today on the show... A lot of our listeners have told us they want to know more about investing, so today in our segment with our CFP Erica Cummings from The Harmony Financial Wellness Group at RBC Wealth Management we’ll explain the difference between Active and Passive investing“No Dumb Questions” Plus… How to 'Boss Up' Your Own Life and stop working scared Norma Holland joins the show. What compelled her to walk away from a 23 year career in TV to take on the new unfamiliar challenge...

Today on the show... A lot of our listeners have told us they want to know more about investing, so today in our segment with our CFP Erica Cummings from The Harmony Financial Wellness Group at RBC Wealth Management we’ll explain the difference between Active and Passive investing“No Dumb Questions” Plus… How to 'Boss Up' Your Own Life and stop working scared Norma Holland joins the show. What compelled her to walk away from a 23 year career in TV to take on the new unfamiliar challenge of...

Today on the show... A lot of our listeners have told us they want to know more about investing, so today in our “No Dumb Questions” segment with our CFP Erica Cummings from The Harmony Financial Wellness Group at RBC Wealth Management  we’ll explain the difference between a Mutual Fund and an ETF To reach out to Erica: https://us.rbcwealthmanagement.com/harmonyfinancialwellnessgroup/?utm_source=GMB&utm_medium=Yext Plus… What do you need to know after a Divorce? Author, Publisher,...

Today on the show: We hear the headlines about Negative Interest Rates…What does that mean? Is it a real possibility? We’ll explain in “No Dumb Questions” with our CFP Erica Cummings from The Harmony Financial Wellness Group at RBC Wealth Management Plus… Becoming a millionaire on a teacher’s salary. Professor Emeritus at the University Wisconsin-Milwaukee and coauthor of Teachers Can be Financially Fit Mark Schug will explain how you can be rich while earning a modest income We end...

Today on the show... Term or Whole life insurance? Which one is better for your family? We’ll explain in “No Dumb Questions” with our CFP Erica Cummings from The Harmony Financial Wellness Group at RBC Wealth Management Plus, What’s the psychology behind spending vs saving. Are some people just "wired" to be savers? Continuing the work of her late father Dr Thomas J Stanley, Dr Sarah Fallaw, co-author of The Next Millionaire Next Door and founder/president of DataPoints joins the...

Today on the show... We break down the difference between a Home Equity Line of Credit and a Home Equity Loan in “No Dumb Questions” with our CFP Erica Cummings from The Harmony Financial Wellness Group at RBC Wealth Management Plus, The biggest surprises that catch most people off guard when buying a new house. Rachael Wexler from Keller Williams and Rich Short from Advantage Federal Credit Union are here We end the show today like we always do, we’ll take “A Seat at the Kid’s Table.”...

Today on the show... Your credit score is your mathematical DNA…How is it calculated? How often do you need it and how does it impact your life? We’ll break it down in “No Dumb Questions” with our CFP Erica Cummings from The Harmony Financial Wellness Group at RBC Wealth Management Plus, how to put together the perfect pitch that will open up opportunities for you and increase your earning power. Author, Publisher, Confidence Coach Sheila Kennedy  is here to explain the key to turning a...

Today on the show: Interest rate vs APR what’s the difference? We’ll break it down in with our CFP Erica Cummings from “No Dumb Questions”The Harmony Financial Wellness Group at RBC Wealth Management The pandemic has taught us a lot about ourselves. Most importantly, it’s taught us a lot about our finances. We are paying more attention to where we spend our money, and how much we’re spending. We have a new appreciation for our streams of income that’s for sure! Our guest today, Jully...

Today on the show: Can you easily explain what an IRA is? If you can’t, you’re not alone. We’ll break it down in “No Dumb Questions” with our CFP Erica Cummings from The Harmony Financial Wellness Group at RBC Wealth Management Our guest today has the most uplifting and positive way about her. Journalist, Speaker and Widow Warrior Kimberly Holmes-Iverson will share her story. How she found the strength to continue to heal emotionally as a young widow and the valuable financial lessons that...

Today on the show: We start with "No Dumb Questions" Our CFP Erica Cummings from The Harmony Financial Wellness Group at RBC Weatlh Management explains the right way to calculate your Net Worth and why it's so important to know your number. Our guest interview today is Salena Ozzimo, owner of Goods Galore. She is a fearless woman! Being a stay-at-home mom like her husband hope for didn't feel right to her. Salena knew she wanted to make her own money. So after exploring a few money making...

One thing that may be holding you back from feeling confident about your money is fear… and a little bit of embarrassment to speak up and admit that you don’t fully understand what's going on. This is YOUR money. You deserve to know what’s going on with it. That’s why we start the show with “No dumb questions.” Our CFP Erica Cummings from The Harmony Financial Group at RBC Wealth Management joins this part of the show. Today we explain why so many people are loving the ROTH 401K Top 3 Things...

Jill Schlesinger who is the CBS News Business Analyst and host of the Jill on Money podcast is on the radio morning show every Wednesday. It's such a great money conversation I thought it'd be worth sharing here with you. Our schedules have been turned upside down, we're not sure what day it is anymore. So... a freindly reminder the July tax deadline is coming up fast. Here's what you should know about filing, paying online (if you are one of the unfortunate people who have to pay) and...

We can all agree that the pandemic has taught us a lot. A lot about ourselves and about our personal financial situation and goals. What ARE the MOST important money takeaways from all of this? CFP Erica Cummings from the Harmony Financial Wellness Group at RBC Wealth Managment was on the radio morning show this morning. (During the pandemic we've been posting shorter, more frequent episodes to make sure you stay on top of your finances. Answering your questions and hopefully easing some of...

Let's be honest, it's no real shocker when experts say having a cash reserve should be one of the top priorities for everyone. BUT, even as much as we hear people telling us that, not everyone activly and intentionally saves cash on the side for that personal financial setback. Let's have the pandemic be a "wake up call" for all of us. Ok, so how much money are we talking?  CBS News Business Analyst and host of Jill on Money Jill Schlesinger breaks it down today. (during the pandemic we are...

Our goal during the pandemic is to make sure you are on top of what's going on financially and how it directly impacts you. Today on the radio morning show one of our "go to" CFPs Erica Cummings from The Harmony Financial Wellness Group at RBC Wealth Management was on to catch us up on the status of another stimulus bill "HEROES ACT" and if another check is coming your way. Plus, you may have heard rumblings of a "Explore America Tax Credit." According to Forbes and some other outlets,...

Every Wednesday CBS News Analyst is on the radio morning show with us "Spezzano and Sandy." She's fantastic so I want to make sure I share our conversation with you just in case you missed it. (If you don't live in Rochester, you can always listen on the RADIO.COM app search 98.9 The Buzz) Today, we chat about consumer spending, specifically the retail sales numbers. Are the numbers a good sign for the economy?  Any questions YOU have feel free to reach out [email protected] Hope...