Let's Get Real
LIVE 6:30 - 7pm EST
First Aired - 07/05/2012 04:30PM
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On this week's episode of Flash Talks Cash, JoAnn "Flash" Fleming and Andrew Newman are talking about alternative forms of lending and receiving loans. Flash goes over the microlending system created by Muhammad Yunus, a form of non-interest loan that provides small amounts of money to impoverished people looking to start small businesses. The conversation then shifts to the recent phenomenon of crowd-sourcing; venues like Kickstarter provide support for people looking to start creative projects. Flash and Andrew discuss other non-traditional forms of lending such as The Lending Club, Prosper, and Kiva that have been fueled by social media. Tune in to learn the benefits of these upstarts as opposed to traditional bank lending, and hear about some of the legal considerations of alternative lending. This program has been brought to you by TriState Merchant Services, Inc.
"So this [peer-to-peer lending] is a new emerging kind of industry, so they're figuring out the legal ramifications of being in compliance, and the things they do not have to be compliant about." --JoAnn "Flash" Fleming on Flash Talks Cash
"So this [peer-to-peer lending] is a new emerging kind of industry, so they're figuring out the legal ramifications of being in compliance, and the things they do not have to be compliant about." --JoAnn "Flash" Fleming on Flash Talks Cash
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Alternative Avenues for Getting Loans (16:05)
Tags:
happiness, vacation, loans, microlending, peer to peer lending, loan sharks, Muhammad Yunus, college, third world, interest-free loans, Malawi, moonshine, cigarettes, AIDS, school tuition, alcohol, self-medicate, CARE, banks, lending, smart business decisions, doughnuts, employees, social media, crowd funding, Kickstarter, credit cards, direct lending, interest, diversify your portfolio, hedge, tuition, credit rating, credit score, sub-prime lenders, indirect lending, pooling, scam,Predatory Lending and Airbnb (14:14)
Tags:
forget the banks, Google, The Lending Club, Prosper, Kiva, collateralized loans, UCC Form, default rate, formalizing loans, funds, transferring funds, crowd sourcing, security, getting a return, mortgages, traditional loans, predatory lending, debt consolidation, financial risk, finance a house, Airbnb, advertising, direct deposit, write-off, 10-99,To comment on this episode click here. There are currently Comments
First Aired - 09/06/2012 04:30PM
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Thinking about buying a new car? On this week's Flash Talks Cash, JoAnn "Flash" Fleming is here to give you some tips so you can drive away having paid a fair price. Joined via the phonelines by Andrew Newman, Flash talks about the culture of car dealerships, and why auto salespeople do not necessarily have the customer's best interest. Hear how you can research fair rates for new automobiles, as well as for your trade-in! Later, tune in to hear Flash and Andrew discuss some truly esoteric scholarships, as well as pros and cons of the MTA commuter tax. Is the tax constitutional? Find out on this week's Flash Talks Cash! This program has been sponsored by Heritage Foods USA.
"They don't want knowledgeable customers! They want people who don't really know how much their cars are worth." -- JoAnn "Flash" Fleming on Flash Talks Cash
"They don't want knowledgeable customers! They want people who don't really know how much their cars are worth." -- JoAnn "Flash" Fleming on Flash Talks Cash
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To Buy or Not to Buy? (17:28)
Tags:
buying a new car, commission, car salesman, stereotype, undercover, personality, selling cars, auto dealers, automobile dealerships, sticker price, trade-in, down payment, monthly payment, bargaining, counter offer, auto mall, invoice price, professional negotiators, buy off the lot, buying cars on the Internet,Weird Scholarships and the MTA Tax (14:17)
Tags:
scholarships, National Marbles Tournament Scholarship, marbles, tall, Culinary Institute of America, apple pie, sheep, wool, garments, Star Trek, Netflix, Grandpas Gone Wired, duct tape clothing, duck calling contest, nudists, skateboarding, small business, freelancers, commuter tax, public transportation, LIRR, employees, employers, balancing the budget, work for the government, United States Postal Service, FedEx, UPS,To comment on this episode click here. There are currently Comments
First Aired - 07/22/2010 04:30PM
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On the inaugural episode of Flash talks Cash, Flash and Andrew begin what promises to be the most searing half hour in financial internet radio available. This week Flash talks about the transition from employee to a entrepreneur, and how the recession has forced some to make the change willingly or otherwise. She discusses the difference between a freelancer and an entrepreneur in addition to answering some financial queries from listeners. Plus she unveils her new "Creative Accountant" segment. This episode is sponsored by Hearst Ranch.
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Flash Talks Cash Introduction: Has the Recession Made You An Entrepreneur? (17:03)
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Flash Talks Cash, Heritage Radio Network, Hearst Ranch, JoAnn Flash Fleming, what do you do when you're self employed, take time off, complain a lot, try to get on unemployment, face reality and start to find clients!, there's a difference between being a freelancer and an entrepreneur, it's simplest to operate as a sole proprietor, it costs money to form a corporation, you have to figure out how to market yourself, find clients, what do you do about medical insurance, if you want to launch a business and be a success you should get medical insurance, don't be afraid to buy medical insurance, don't go get a regular job just for insurance, do you hire employees or freelancers?, employees should make you more profitable, rent an office or operate out of the house, you can get a home office deduction, you have to spend money to make money, collecting sales tax, don't mess with sales tax!, Andrew Newman,Email Questions & "The Creative Accountant" (11:52)
Tags:
Mr. Z wants to get his wife an IRA, she doesn't work, you can put $5,000 away for her, there are income limite, married copules that makes over $176000 a year are not allowed to use IRA's, you would save $2000 in taxes with a $5000 IRA, you better do something for yourself when you retire!, Mrs. A: we would like to give a gift to our new grandchild. what should we give her to use later in life towards college or a new house, use a 529 plan, in NYS you can deduct up to $10000 for a 529 plan, what's the benefit of a life insurance policy, insurance companies are not good for investments, The Creative Accountant, storymatic cards, character: hairy person who is a pet photographer, situation: message chalked in the sidewalk, next week, character: visionary small time politician, situation: box of matches, next week will have a guest and will be about mortgages, buy a house now!, rates are very low and prices are depressed, theme song is by Ray Scro,To comment on this episode click here. There are currently Comments
