Episode Archive - Page 6 of 12

Episode 12: Soledad talks finance and wealth in the Latino community

January 25, 2021 kmunoz 49:08 0 Comments

For this episode, I had the honor to talk with Rita-Soledad Fernandez Paulino from @wealthparatodos. We talk about everything from getting out of debt to tips and tricks on how to get your financial journey started and including how to change your mindset and start your financial journey no matter what age you are. Soledad is the Chief Financial Officer of the small start-up Puro Party Paulinos aka her family of four. She became a personal finance enthusiast after becoming debt-free while sick on medical leave and is now studying to become a Certified Financial Planner. Soledad is committed to talking dinero with anyone willing to listen so that we can all build wealth juntos. Subscribe to her newsletter to be motivated to have your best financial year yet!

Episode 11: Payday loans

January 11, 2021 kmunoz 13:35 0 Comments

Siphoning money out of poor communities and communities of color takes a serious toll on the economy. Money that could be spent building up local businesses or investing in communities is instead directed to neverending fees. For people who find themselves in desperate or emergency situations, a payday loan can seem like a lifesaver. The reality is that these lenders trap their customers in an unending cycle of debt.

Episodio 11:Préstamos de día de pago

January 11, 2021 kmunoz 17:39 1 Comment

Sacarle dinero a las comunidades pobres y a las comunidades de color tiene un grave impacto en la economía. El dinero que podría ser mejor gastado en la creación de negocios locales o en la inversión en comunidades se dirige en su lugar a tasas interminables. Para las personas que se encuentran en situaciones desesperadas o de emergencia, un préstamo de día de pago puede parecerles un salvavidas. La realidad es que estos prestamistas atrapan a sus clientes en un ciclo interminable de deuda.

Episode 10: California water begins trading on wall street & toxic water in Latino towns

December 14, 2020 kmunoz 10:00 0 Comments

Two billion people now live in nations plagued by water problems, and almost two-thirds of the world could face water shortages in just four years. The United Nations has long warned that human-driven climate change is leading to severe droughts and more flooding, making water availability increasingly less predictable. In California, the most recent acute dry spell stretched from December 2011 until March of last year. The direst effects took hold in July 2014, with 58% of the state’s land suffering “exceptional drought,” leading to crop and pasture losses and other water emergencies. Water also recently joined gold, oil, and other commodities traded on wall street.

Episodio 10: El agua de California comienza a comerciar en Wall Street y agua tóxica en ciudades latinas

December 14, 2020 kmunoz 12:02 Comments Off

Dos mil millones de personas viven ahora en naciones plagadas de problemas de agua y casi dos tercios del mundo podrían enfrentar escasez de agua en solo cuatro años. Las Naciones Unidas han advertido durante mucho tiempo que el cambio climático provocado por los seres humanos está provocando graves sequías y más inundaciones, lo que hace que la disponibilidad de agua sea cada vez menos predecible. En California, el periodo seco agudo más reciente se extendió desde diciembre de 2011 hasta marzo del año pasado. Los efectos más espantosos se produjeron en julio de 2014, cuando el 58% de la tierra del estado sufrió una “sequía excepcional”, lo que provocó pérdidas de cultivos y pastos y otras emergencias relacionadas con el agua. El agua también se unió recientemente al oro, el petróleo y otras materias que se comercializan en Wall Street.

Episode 9: AN EXPLANATION ON STOCKS & THE STOCK MARKET

December 7, 2020 kmunoz 11:15 Comments Off

In episode 8 I went over the different types of asset classes you can invest in. I briefly mentioned stocks as one of the riskier options. I explained that stocks are pieces of ownership in companies and some even pay dividends. In this episode, I’ll be diving a bit deeper into stocks, their key terms, why you should invest in them, and where they are bought & sold.

Episodio 9: UNA EXPLICACIÓN SOBRE LAS ACCIONES Y LA BOLSA DE VALORES

December 7, 2020 kmunoz 14:42 0 Comments

En el episodio 8 repase los diferentes tipos de clases de activos en los que se puede invertir. Mencioné brevemente las acciones como una de las opciones más riesgosas. Le expliqué que las acciones son propiedad de las empresas y algunas incluso pagan dividendos. En este episodio, profundizaré un poco más en las acciones, sus términos clave, por qué debería invertir en ellas y dónde se compran y venden.

Episode 8: INVESTING

December 1, 2020 kmunoz 18:30 0 Comments

Investing is the act of putting your money to work with the expectation of achieving a profit. With the types of investing that most consumers do, you can think of it as a very well researched bet on an outcome.
you likely know what the concept of investing actually is. However, what exactly are you investing in? In other words, what are you spending your money on? Well, there are a variety of things you can invest in and a variety of ways to do it. In this episode, I go over some of those ways.

Episodio 8: INVERTIR

December 1, 2020 kmunoz 23:52 0 Comments

Invertir es el acto de poner tu dinero a trabajar con la expectativa de obtener ganancias. Con los tipos de inversión que hace la mayoría de los consumidores, puedes pensarlo como una apuesta muy bien investigada en un resultado.
probablemente sepas cuál es el concepto de inversión. Sin embargo, ¿en qué estás invirtiendo exactamente? En otras palabras, ¿en qué estás gastando tu dinero? Bueno, hay una variedad de cosas en las que puedes invertir y una variedad de formas de hacerlo. En este episodio, repaso algunas de esas formas.

Episode 7: RETIREMENT ACCOUNTS PART II

November 23, 2020 kmunoz 10:30 0 Comments

Last time on part one of episode 7 I covered one of the two forms of Tax-advantaged accounts. I went over Tax-deferred accounts in which the taxes on income are “deferred” to a later date. This is delaying any taxes that are due on investment gains until your funds are eventually withdrawn. I explained two popular types of Tax-deferred accounts: Traditional 401 (k) and Traditional IRA. In this week’s part 2 of episode 7 we’ll be going over the 2nd form of tax-advantaged accounts known as Tax-Exempt Accounts. I’ll be going over the Roth IRA and Roth Traditional 401 (k).

Archives: Episode