Tune in tonight from 7-8 PM. The show will feature discussions on who is really in charge of your money, your mortgage, 401K? Just a hint: Follow the money! Whoever is paying has the power. Tonights show is about learning to "follow the money" to the source of the power.

Callers will include Linda Murphy from RPM Mortgage in Santa Cruz who will simplify the cost difference between paying 20% down to get a conventional loan, and FHA (insurance backed loans) that allow for lower down payments.

If you pay for insurance, to pay to replace your home, auto, health, or long-term care....who is really "calling the shots"?

Tune in at AM 1080 or online at www.ksco.com

Tune in tonight from 7-8 PM. The show will feature discussions on who is really in charge of your money, your mortgage, 401K? Just a hint: Follow the money! Whoever is paying has the power. Tonights show is about learning to "follow the money" to the source of the power.

Callers will include Linda Murphy from RPM Mortgage in Santa Cruz who will simplify the cost difference between paying 20% down to get a conventional loan, and FHA (insurance backed loans) that allow for lower down payments.

If you pay for insurance, to pay to replace your home, auto, health, or long-term care....who is really "calling the shots"?

Tune in at AM 1080 or online at www.ksco.com

Download | Duration: 01:00:24

This show was recorded Thursday June 28th, 2012. That morning, the Supreme Court announced it's ruling that Obamacare was constitutional because Congress can tax. If the Individual Mandate was subject to the commerce laws, no, the governement can make you purchase anything. But....the government can levy taxes so, Obamacare's "Individual Mandate" is now a "tax".

So, what does this mean for each of us? Lsten in to this lively discussion. Callers include a physician from Monterey, a caller concerned about elderly care, and other co

Download | Duration: 01:00:24

Special guest Linda Murphy from RPM Mortage in Santa Cruz provides clarity on...

What goes into your credit score?
What common errors make your score go up or down?
What can I do to improve my credit score?
How do I get my score?

Did you know that a 100 pt difference on your credit score could mean that a $300,000 30 year home lone can cost you over $100,000 in interest over the life of the loan.

Listen to the podcast to learn more. Call Linda Murphy at 831-471-1977 if you have any additional questions. Linda is happy to help!

Download | Duration: 01:00:24

The national debt generates $10 Billion a day in new interest to pay. How would you like to have that on your credit card statement. This show was a serious look at the National economy on what it would take to pay or bills without generating new debt. Not pay down current debt....but just break even.

****Warning...not for the faint of heart*****
This show aired on 04/21/2012

Download | Duration: 01:00:24

Listen to the podcast of my show on 04/12/2012

Download | Duration: 01:00:24

Tonight we kicked off Spring Financial Literacy Month. Spring brings to mind spring cleaning, taxes, and the organization to get those together. Spring is also a time that many people are looking to move, or fullfill the dream of home ownership.

  Guests on this show were Mary Russell of Mortgage Results in Aptos (831) 661-5214, and Kathy Runyon of Monterey Bay Properties. Mary and Kathy talked about the rebounding real estate market, what it takes now to get a loan, what to expect and look for in the home purchase process.

Heartland Hospice: Begin with the end in mind was the focus for March 2012. At some point in life, we reach an end. Hospice offers caring medical, emotional, and physical care for those in the final stage of life. Find out more about this amazing group and their work. The most common comment Hospice users and their families give...."I wish I would have called you sooner".

Download | Duration: 01:00:24

Download | Duration: 01:00:24

Health reform turns two today. Like most children of that age, it can be the most wonderful thing, or a tantrum making nightmare. This show takes a look at what has been implemented, what the supreme court is expected to act on next week, and where we go from here.

Two particulary great calls show that it is still really easy to fall through the cracks if you don't have a guide to navigate you.

Download | Duration: 01:00:24