Something On My Mind David Mulonas

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 daunting piece of information; however, there is good news. You can now purchase batteries online while also disposing of them responsibly.

Better Battery Co. has developed household batteries that are not only rechargeable, but also recyclable. Their program is designed to ship you new supplies as you deem necessary while providing the packing and the return packing slip.

When it comes to your money, you’ll pay more for the batteries than you are accustomed to; however, they do come in a variety pack of sizes which is not how most batteries are sold and you don’t have to leave your house.

Moreover, when you hear the words “cost more,” consider that many people pay double the price just to get their food delivered to their doorstep.

The bottom line is that this battery product is an ongoing example of an innovative solution that is convenient and helps the environment. In time, this may be the norm rather than the exception.


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The bottom line is that viable product solutions are being offered at blistering pace without sacrificing quality while improving the environment - and as always your pocketbook thanks you.

This show is part of the Spreaker Prime Network, if you are interested in advertising on this podcast, contact us at https://www.spreaker.com/show/5501411/advertisement

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 dropping them into a lake.
I actually dropped one into a toilet in Mexico - so that was an interesting experience and I pissed it away for a lack of a better phrase. So this leads us to cell phone insurance and like all protection plans, is it worth the cost?

The answer is that it depends. From research, it typically costs $8 -$17 when using your cell phone carrier. You can also opt for third-party services from companies such as AKKO and SquareTrade which tend to be less expensive.

Okay there’s no shocker here in that with just about each type of insurance, it comes with fine print namely in deductibles and the range of coverage. So understand the details before you commit.

A good exercise is to determine the monthly cost insurance with a potential deductible over the cost of fixing or replacing your device over the duration of owning the phone.

Typically, kids tend to damage or lose phones more than adults but in either case, many of the major phone makers in recent years design them to be waterproof. Either way, if you get a solid protective case and / or with screen protector you should be in good shape and may opt out of insurance.


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The bottom line is that viable product solutions are being offered at blistering pace without sacrificing quality while improving the environment - and as always your pocketbook thanks you.

This show is part of the Spreaker Prime Network, if you are interested in advertising on this podcast, contact us at https://www.spreaker.com/show/5501411/advertisement

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 dropping them into a lake.

I actually dropped one into a toilet in Mexico - so that was an interesting experience and I pissed it away for a lack of a better phrase. So this leads us to cell phone insurance and like all protection plans, is it worth the cost?

The answer is that it depends. From research, it typically costs $8 - $17 when using your cell phone carrier. You can also opt for third-party services from companies such as AKKO and SquareTrade which tend to be less expensive.

Okay there’s no shocker here in that with just about each type of insurance, it comes with fine print namely in deductibles and the range of coverage. So understand the details before you commit.

A good exercise is to determine the monthly cost insurance with a potential deductible over the cost of fixing or replacing your device over the duration of owning the phone.

Typically, kids tend to damage or lose phones more than adults but in either case, many of the major phone makers in recent years design them to be waterproof. Either way, if you get a solid protective case and / or with screen protector you should be in good shape and may opt out of insurance.



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https://www.instagram.com/somm.podcast/

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https://www.facebook.com/somm.podcast

https://twitter.com/Somm_podcast
The bottom line is that viable product solutions are being offered at blistering pace without sacrificing quality while improving the environment - and as always your pocketbook thanks you.

This show is part of the Spreaker Prime Network, if you are interested in advertising on this podcast, contact us at https://www.spreaker.com/show/5501411/advertisement

When it comes to our finance tips, we haven’t covered reusable batteries as this seems like a no-brainer; and that exactly a case; however, sometimes we need a reminder.
Rechargeable batteries have been around since I was a kid in the 70’s and they juiced up my remote control cars and my giant dual tape deck boom box radio.

Now that we are in the 2020’s we still have an insatiable need for batteries for just about anything due to the advanced technology in our daily lives.

So let’s run through some stats on batteries with the most common type which are Single and double A.

When it comes to these rechargeable batteries they will cost more upfront; but the money that you save is far and away better than buying disposable batteries.

Disposables last longer for a one-time use; however, most rechargeable batteries have at least 1,000 - 2,000 charges before they expire.

The other factor is that in many states, the batteries are not recycled and therefore end up in a landfill. In fact, California considers them hazardous waste.

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https://www.facebook.com/somm.podcast

https://twitter.com/Somm_podcast
The bottom line is that viable product solutions are being offered at blistering pace without sacrificing quality while improving the environment - and as always your pocketbook thanks you.

This show is part of the Spreaker Prime Network, if you are interested in advertising on this podcast, contact us at https://www.spreaker.com/show/5501411/advertisement

This week’s episode is about the stock market and inflation capitulation.
At the time of this recording the stock market as a whole is 20% down from its previous high water mark and inflation hasn’t been this high since Luke and Laura were popular on General Hospital.

So when this occurs many people begin to panic about what to do with their investments.
Now this is a logical thought especially for the Millennial generation and beforehand where these people have been through the 2008 Financial Crisis, the Pandemic downturn.
The common question that we get is how do we handle our investments.

We need to start by saying that each individual has a unique set of criteria meaning one has to decide for him or herself.

With that being said, the common rule is that if you are more than five years out from needing to tap into your nest egg, then stay the course.

If you are under five years, evaluate your positions and stay the course with your goals.
Okay and if you are one-to-two years out, what do you do?

Scale down your investments to protect against downside risk or stay in cash meaning stay liquid.

The bottom line is that you need a set of goals to follow in good and bad times by staying educated or working with your financial advisor.

The goal is to build wealth through your working years and scale down as you get closer when the need arises to tap into your money.

Finally, as a credo, investing is a marathon; not a sprint. Therefore, when practicing short-term investing you have to be willing to lose everything that you put into the market; otherwise, it typically means that you couldn’t afford the money in the first place.

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This show is part of the Spreaker Prime Network, if you are interested in advertising on this podcast, contact us at https://www.spreaker.com/show/5501411/advertisement

There is no doubt AI will impact the amount of jobs available in the future and how much money people can make. What jobs are at risk?


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This show is part of the Spreaker Prime Network, if you are interested in advertising on this podcast, contact us at https://www.spreaker.com/show/5501411/advertisement