Two CentsSeason 2020
PBS presents this weekly series about personal finance for millennials and Gen Z.
Hvor å se Two Cents • Season 2020
29 episoder
- The Hidden Cost of Joining a GymE1
The Hidden Cost of Joining a GymFor more information go to: https://nordvpn.com/cents and use the code: cents. SUPPORT us on PATREON: https://www.patreon.com/twocentspbsds SUBSCRIBE to Two Cents! https://goo.gl/jQ857H If your New Year's resolution is to get into shape, you might think that locking yourself into an expensive gym membership is the way to go... But does it work? Two Cents on FB: https://www.facebook.com/TwoCentsPBS Two Cents on Twitter: @twocentspbs Email us: twocentspbs@gmail.com sources: https://thehustle.co/gym-membership-cost https://eml.berkeley.edu/~ulrike/Papers/gym.pdf https://www.cnbc.com/id/26663228 https://www.statisticbrain.com/gym-membership-statistics/ https://www.creditcards.com/credit-card-news/auto-renewals-endless-charges-complaints-1282.php https://www.pewtrusts.org/en/research-and-analysis/blogs/stateline/2017/02/27/didnt-see-that-renewal-notice-some-states-are-trying-to-help https://www.inc.com/andrew-griffiths/how-ethical-is-your-auto-renew-policy.html https://www.npr.org/2019/06/12/731987365/episode-590-the-planet-money-workout -- Two Cents was created by Katie Graham, Andrew Matthews, Philip Olson CFP® and Julia Lorenz-Olson and is brought to you by PBS Digital Studios. We love dropping some knowledge on all things personal finance and helping you make better money decisions. Two Cents is hosted by Philip Olson, CFP® and Julia Lorenz-Olson Directors: Katie Graham & Andrew Matthews Written by: Andrew Matthews Executive Producer: Amanda Fox Produced by: Katie Graham Edited & Animated by: Sara Roma Images by: Shutterstock Music by: APM - Are You a Hoarder or a Mogul? (What's Your Money Sign?)E2
Are You a Hoarder or a Mogul? (What's Your Money Sign?)SUPPORT us on PATREON: https://www.patreon.com/twocentspbsds SUBSCRIBE to Two Cents! https://goo.gl/jQ857H Now that you know which Hogwarts House and Disney character you are, it's time to figure out your MONEY SIGN! Two Cents on FB: https://www.facebook.com/TwoCentsPBS Two Cents on Twitter: @twocentspbs Email us: twocentspbs@gmail.com sources: https://www.investopedia.com/articles/basics/07/money-personality.asp https://successresources.com/there-are-4-money-personalities-whats-yours/ https://www.ft.com/content/5e8da24c-bb09-11e6-8b45-b8b81dd5d080 https://www.abc.net.au/news/2018-02-08/what-is-your-money-personality-type/9348666 https://www.onefpa.org/journal/Pages/How%20Clients%E2%80%99%20Money%20Scripts%20Predict%20Their%20Financial%20Behaviors.aspx -- Two Cents was created by Katie Graham, Andrew Matthews, Philip Olson CFP® and Julia Lorenz-Olson and is brought to you by PBS Digital Studios. We love dropping some knowledge on all things personal finance and helping you make better money decisions. Two Cents is hosted by Philip Olson, CFP® and Julia Lorenz-Olson Directors: Katie Graham & Andrew Matthews Written by: Andrew Matthews Executive Producer: Amanda Fox Produced by: Katie Graham Edited & Animated by: Sara Roma Images by: Shutterstock Music by: APM - Should You Combine Finances?E3
Should You Combine Finances?SUPPORT us on PATREON: https://www.patreon.com/twocentspbsds SUBSCRIBE to Two Cents! https://goo.gl/jQ857H You've just moved in with your boo, but the first rent bill comes and you wonder... "How should we split this?" Two Cents on FB: https://www.facebook.com/TwoCentsPBS Two Cents on Twitter: @twocentspbs Email us: twocentspbs@gmail.com sources: https://www.forbes.com/sites/lawrencelight/2014/10/16/why-couples-shouldnt-merge-all-their-finances/#6e03901c24d2 https://www.businessinsider.com/reasons-couples-should-combine-finances-according-to-experts https://ifstudies.org/blog/the-case-for-merging-finances-in-marriage https://www.theatlantic.com/family/archive/2018/04/young-couples-separate-bank-accounts/558473/ https://phys.org/news/2019-02-joint-bank-accounts-happier-couples.html https://www.nerdwallet.com/blog/finance/merging-finances-marriage/ https://www.moneyunder30.com/5-reasons-to-keep-your-finances-separate-from-your-significant-other https://www.pewresearch.org/fact-tank/2017/09/14/as-u-s-marriage-rate-hovers-at-50-education-gap-in-marital-status-widens/ https://www.app.com/story/money/personal-finance/2019/06/20/millennial-couples-reluctant-merge-finances-they-shouldnt/1423954001/ https://grow.acorns.com/why-more-couples-keep-separate-bank-accounts/ https://www.washingtonpost.com/news/local/wp/2014/09/04/for-the-first-time-since-the-1950s-there-is-no-typical-u-s-family/ https://www.marketwatch.com/story/the-good-and-the-bad-of-combining-finances-when-you-get-married-2019-08-12 https://www.policygenius.com/blog/couples-mange-money/ https://www.usatoday.com/story/money/personalfinance/2017/07/05/pros-and-cons-sharing-your-finances-married-couple/438157001/ https://www.koyalwholesale.com/blogs/modern-diy-wedding-trends/2019-average-age-of-marriage-for-man-woman https://bettermoneyhabits.bankofamerica.com/content/dam/bmh/pdf/ar6vnln9-boa-bmh-millennial-report-winter-2018-final2.pdf https://www.marketwatch.com/story/some-older-ameri - Is Whole Life Insurance a Scam?E4
Is Whole Life Insurance a Scam?SUPPORT us on PATREON: https://www.patreon.com/twocentspbsds SUBSCRIBE to Two Cents! https://goo.gl/jQ857H Have you ever been offered Whole Life Insurance as an investment opportunity? If so, you might be wondering... "Is this for real?" Two Cents on FB: https://www.facebook.com/TwoCentsPBS Two Cents on Twitter: @twocentspbs Email us: twocentspbs@gmail.com sources: https://www.thesimpledollar.com/insurance/life/four-reasons-i-would-never-buy-whole-life-insurance/ https://www.loma.org/Posts/Spotlight/A_brief_history_of_life_insurance.aspx https://www.consumerreports.org/cro/news/2015/04/is-whole-life-insurance-right-for-you/index.htm https://www.whitecoatinvestor.com/debunking-the-myths-of-whole-life-insurance/ https://www.iii.org/article/what-are-different-types-permanent-life-insurance-policies https://www.bankonyourself.com/how-bank-on-yourself-whole-life-insurance-policy-loans-work https://topwholelife.com/whole-life-insurance-dividend-rate-history/ -- Two Cents was created by Katie Graham, Andrew Matthews, Philip Olson CFP® and Julia Lorenz-Olson and is brought to you by PBS Digital Studios. We love dropping some knowledge on all things personal finance and helping you make better money decisions. Two Cents is hosted by Philip Olson, CFP® and Julia Lorenz-Olson Directors: Katie Graham & Andrew Matthews Written by: Andrew Matthews Executive Producer: Amanda Fox Produced by: Katie Graham Edited & Animated by: Sara Roma Images by: Shutterstock Music by: APM - Is It Okay to Rent?E5
Is It Okay to Rent?SUPPORT us on PATREON: https://www.patreon.com/twocentspbsds SUBSCRIBE to Two Cents! https://goo.gl/jQ857H You've probably heard that homeownership is a must... but what if it's not in the cards for you? Is there a financially responsible way to rent? Two Cents on FB: https://www.facebook.com/TwoCentsPBS Two Cents on Twitter: @twocentspbs Email us: twocentspbs@gmail.com sources: https://ipropertymanagement.com/research/renters-vs-homeowners-statistics https://www.incharge.org/financial-literacy/budgeting-saving/how-to-save-money-on-rent/ https://affordanything.com/is-renting-better-than-buying-should-i-rent-or-buy/ -- Two Cents was created by Katie Graham, Andrew Matthews, Philip Olson CFP® and Julia Lorenz-Olson and is brought to you by PBS Digital Studios. We love dropping some knowledge on all things personal finance and helping you make better money decisions. Two Cents is hosted by Philip Olson, CFP® and Julia Lorenz-Olson Directors: Katie Graham & Andrew Matthews Written by: Andrew Matthews Executive Producer: Amanda Fox Produced by: Katie Graham Edited & Animated by: Sara Roma Images by: Shutterstock Music by: APM - Bond. Savings Bond.E6
Bond. Savings Bond.Check out Antarctic Extremes on PBS Terra: https://www.youtube.com/watch?v=EvRAuy1ZmTc SUPPORT us on PATREON: https://www.patreon.com/twocentspbsds SUBSCRIBE to Two Cents! https://goo.gl/jQ857H If stocks have you SHAKEN, but you're not STIRRED by savings accounts, maybe this is the secret agent you've been hunting for! Two Cents on FB: https://www.facebook.com/TwoCentsPBS Two Cents on Twitter: @twocentspbs Email us: twocentspbs@gmail.com sources: https://www.investopedia.com/ask/answers/06/zerocouponregularbond.asp https://www.fool.com/retirement/2018/04/22/how-to-invest-in-bonds-for-beginners.aspx https://en.wikipedia.org/wiki/Coupon_(bond) https://seekingalpha.com/article/4066127-municipal-defaults-while-rare-occur https://money.cnn.com/2016/07/01/investing/puerto-rico-defaults-general-obligation-bonds/index.html https://www.investopedia.com/terms/i/investmentgrade.asp -- Two Cents was created by Katie Graham, Andrew Matthews, Philip Olson CFP® and Julia Lorenz-Olson and is brought to you by PBS Digital Studios. We love dropping some knowledge on all things personal finance and helping you make better money decisions. Two Cents is hosted by Philip Olson, CFP® and Julia Lorenz-Olson Directors: Katie Graham & Andrew Matthews Written by: Philip Olson Executive Producer: Amanda Fox Produced by: Katie Graham Edited & Animated by: Dano Johnson Images by: Shutterstock Music by: APM - The Real Cost of Bottled WaterE7
The Real Cost of Bottled WaterThank you for The Great Courses Plus for supporting PBS. To learn more click http://ow.ly/xIds30qn1nd SUPPORT us on PATREON: https://www.patreon.com/twocentspbsds SUBSCRIBE to Two Cents! https://goo.gl/jQ857H The water that comes from your tap is 3000x cheaper than what you can buy in a store... so why are Americans willing to spend money on it? Two Cents on FB: https://www.facebook.com/TwoCentsPBS Two Cents on Twitter: @twocentspbs Email us: twocentspbs@gmail.com sources: https://www.circleofblue.org/2018/water-management/pricing/price-of-water-2018/ https://www.pvwc.com/story_of_water/html/costs.htm https://www.smithsonianmag.com/science-nature/the-trouble-with-bottled-water-40529397/ https://www.foodandwaterwatch.org/about/live-healthy/tap-water-vs-bottled-water https://www.foodandwaterwatch.org/insight/take-back-tap-big-business-hustle-bottled-water https://www.bloomberg.com/news/features/2017-09-21/nestl-makes-billions-bottling-water-it-pays-nearly-nothing-for?src=longreads https://www.cbsnews.com/news/water-bills-rising-cost-of-water-creating-big-utility-bills-for-americans/ https://www.cbsnews.com/news/are-you-prepared-for-unaffordable-water-bills/ https://www.vox.com/science-and-health/2017/5/19/15477702/map-30-us-cities-water-price https://www.npr.org/2019/02/08/691409795/a-water-crisis-is-growing-in-a-place-youd-least-expect-it https://www.bottledwater.org/types/tap-water https://thefactsaboutwater.org/regulations/tap-water/ https://www.americanrivers.org/rivers/discover-your-river/drinking-water/ https://www.epa.gov/sourcewaterprotection/drinking-water-mapping-application-protect-source-waters-dwmaps https://www.npr.org/2016/04/14/473806134/how-do-we-get-our-drinking-water-in-the-u-s https://www.moneycrashers.com/bottled-water-vs-tap-water-facts/ https://en.wikipedia.org/wiki/Bottled_water https://www.creditdonkey.com/bottled-water-statistics.html https://www.cbsnews.com/news/bottled-water-sales-outpace-soda-for-the-first - COVID-19 Crashed the Market. Now What?E8
COVID-19 Crashed the Market. Now What?SUPPORT us on PATREON: https://www.patreon.com/twocentspbsds SUBSCRIBE to Two Cents! https://goo.gl/jQ857H You're sheltered at home, watching the market plunge... should you sell? Or buy? Is it different this time? Two Cents on FB: https://www.facebook.com/TwoCentsPBS Two Cents on Twitter: @twocentspbs Email us: twocentspbs@gmail.com sources: https://www.google.com/url?q=http://www.buenavistainv.com/dbimages/2014%2520Retirment%2520Guide.pdf&sa=D&ust=1585152454797000&usg=AFQjCNFWW4qT12RyG4mAI29wsi0L7J08xQ https://www.usatoday.com/in-depth/money/2020/03/17/coronavirus-how-stocks-moved-previous-bear-markets/5011397002/ -- Two Cents was created by Katie Graham, Andrew Matthews, Philip Olson CFP® and Julia Lorenz-Olson and is brought to you by PBS Digital Studios. We love dropping some knowledge on all things personal finance and helping you make better money decisions. Two Cents is hosted by Philip Olson, CFP® and Julia Lorenz-Olson Directors: Katie Graham & Andrew Matthews Written by: Andrew Matthews Executive Producer: Amanda Fox Produced by: Katie Graham Edited & Animated by: Andrew Matthews Images by: Shutterstock Music by: APM - Will I Get Money from the Stimulus Bill? (COVID-19)E9
Will I Get Money from the Stimulus Bill? (COVID-19)SUPPORT us on PATREON: https://www.patreon.com/twocentspbsds SUBSCRIBE to Two Cents! https://goo.gl/jQ857H Congress just passed a huge stimulus package that includes direct payments and unemployment benefits... Are you eligible? Two Cents on FB: https://www.facebook.com/TwoCentsPBS Two Cents on Twitter: @twocentspbs Email us: twocentspbs@gmail.com https://www.nytimes.com/2020/03/27/us/politics/coronavirus-house-voting.html https://www.washingtonpost.com/business/2020/03/26/unemployment-claims-coronavirus-3-million/ https://www.vox.com/2020/3/27/21196202/house-passes-2-trillion-coronavirus-stimulus-package https://www.vox.com/future-perfect/2020/3/23/21190955/stimulus-checks-from-government-approved https://www.nolo.com/legal-encyclopedia/collecting-unemployment-benefits-texas-32500.html https://www.nytimes.com/article/coronavirus-stimulus-package-questions-answers.html https://www.investopedia.com/terms/u/unemployment-compensation.asp -- Two Cents was created by Katie Graham, Andrew Matthews, Philip Olson CFP® and Julia Lorenz-Olson and is brought to you by PBS Digital Studios. We love dropping some knowledge on all things personal finance and helping you make better money decisions. Two Cents is hosted by Philip Olson, CFP® and Julia Lorenz-Olson Directors: Katie Graham & Andrew Matthews Written by: Andrew Matthews Executive Producer: Amanda Fox Produced by: Katie Graham Edited & Animated by: Andrew Matthews Images by: Shutterstock Music by: APM - How to Survive an Unemployment Crisis (COVID-19)E10
How to Survive an Unemployment Crisis (COVID-19)SUPPORT us on PATREON: https://www.patreon.com/twocentspbsds SUBSCRIBE to Two Cents! https://goo.gl/jQ857H If the coronavirus pandemic has slashed your income, here's how to rethink your spending without giving up the things that keep you sane! Two Cents on FB: https://www.facebook.com/TwoCentsPBS Two Cents on Twitter: @twocentspbs Email us: twocentspbs@gmail.com https://www.businessinsider.com/personal-finance/pause-bill-payments-if-you-lost-work-due-to-coronavirus https://www.vox.com/policy-and-politics/2020/3/24/21191075/coronavirus-recession-worker-layoffs-unemployment-economy-restaurants-stimulus-bill https://www.epi.org/blog/every-state-will-lose-jobs-as-a-result-of-the-coronavirus-policymakers-must-take-action/ -- Two Cents was created by Katie Graham, Andrew Matthews, Philip Olson CFP® and Julia Lorenz-Olson and is brought to you by PBS Digital Studios. We love dropping some knowledge on all things personal finance and helping you make better money decisions. Two Cents is hosted by Philip Olson, CFP® and Julia Lorenz-Olson Directors: Katie Graham & Andrew Matthews Written by: Philip Olson, CFP® and Julia Lorenz-Olson Executive Producer: Amanda Fox Produced by: Katie Graham Edited & Animated by: Andrew Matthews Images by: Shutterstock Music by: APM - Can the Food Service Industry Survive Coronavirus?E11
Can the Food Service Industry Survive Coronavirus?SUPPORT us on PATREON: https://www.patreon.com/twocentspbsds SUBSCRIBE to Two Cents! https://goo.gl/jQ857H Food service is one of the first and hardest hit sectors of our economy... how are small business owners coping? Two Cents on FB: https://www.facebook.com/TwoCentsPBS Two Cents on Twitter: @twocentspbs Email us: twocentspbs@gmail.com Sources: sba.gov https://www.nytimes.com/article/ppp-paycheck-protection-program-small-business.html https://www.cbsnews.com/news/paycheck-protection-program-heather-sanborn-owner-rising-tide-brewing-loan-sba/ https://www.nytimes.com/2020/04/09/business/smallbusiness/small-business-disaster-loans-coronavirus.html?action=click&module=RelatedLinks&pgtype=Article https://www.bloomberg.com/news/articles/2020-04-14/hedge-fund-managers-are-claiming-bailouts-as-small-businesses https://www.cnbc.com/2020/04/13/some-small-businesses-are-starting-to-get-rescue-funds-but-payouts-overall-are-lagging-behind.html https://www.businessreport.com/newsletters/new-questions-surface-as-ppp-applications-open-for-1099-workers https://www.forbes.com/sites/bernhardschroeder/2020/04/14/angies-list-co-founder-serves-up-advice-to-small-business-home-service-providers-on-weathering-the-coronavirus-storm/#3e164da0d55c https://www.nbcdfw.com/news/coronavirus/some-small-businesses-seeing-welcome-increase-in-customers/2350965/ https://hbr.org/2020/04/a-way-forward-for-small-businesses https://www.marketplace.org/2020/04/14/covid-19-small-business-loans-paycheck-protection-program-2/ https://www.washingtonpost.com/business/2020/04/11/restaurant-grocery-sell-coronavirus/ https://www.vox.com/2020/4/15/21221966/march-retail-sales-collapse-economy https://bench.co/blog/operations/ppp-loan-forgiveness/ https://www.pymnts.com/coronavirus/2020/restaurants-seek-more-aid-amid-april-losses/ -- Two Cents was created by Katie Graham, Andrew Matthews, Philip Olson CFP® and Julia Lorenz-Olson and is brought to you by PBS Digital Studios. We lov - Will Economic Stimulus Save the Economy? (COVID-19)E12
Will Economic Stimulus Save the Economy? (COVID-19)SUPPORT us on PATREON: https://www.patreon.com/twocentspbsds SUBSCRIBE to Two Cents! https://goo.gl/jQ857H The U.S. just passed the biggest economic stimulus package in history in response to COVID-19... what do past examples tell us about its effectiveness? Two Cents on FB: https://www.facebook.com/TwoCentsPBS Two Cents on Twitter: @twocentspbs Email us: twocentspbs@gmail.com Sources: https://smartasset.com/financial-advisor/monetary-fiscal-government-stimulus https://www.usatoday.com/story/news/politics/2020/03/25/coronavirus-emergency-bill-how-does-it-compare-9-11-financial-crisis/5010452002/ https://howmuch.net/articles/worlds-economic-programs-against-coronavirus https://www.google.com/url?q=https://www.cbsnews.com/news/coronavirus-stimulus-package-pay-united-states/&sa=D&ust=1588189250751000&usg=AFQjCNEcM1zy2fzDfVYYVXZLZuxqZYbP1Q -- Two Cents was created by Katie Graham, Andrew Matthews, Philip Olson CFP® and Julia Lorenz-Olson and is brought to you by PBS Digital Studios. We love dropping some knowledge on all things personal finance and helping you make better money decisions. Two Cents is hosted by Philip Olson, CFP® and Julia Lorenz-Olson Directors: Katie Graham & Andrew Matthews Written by: Philip Olson, CFP® and Julia Lorenz-Olson Executive Producer: Amanda Fox Produced by: Katie Graham Edited & Animated by: Andrew Matthews Images by: Shutterstock Music by: APM - Is Price Gouging Bad?E13
Is Price Gouging Bad?Check out Antarctic Extremes on PBS Terra: https://youtu.be/SzL8D1AtyQs SUPPORT us on PATREON: https://www.patreon.com/twocentspbsds SUBSCRIBE to Two Cents! https://goo.gl/jQ857H Price gouging during a crisis is universally frowned upon and punishable by law in most states... so why would economists say it's actually not a bad thing? Two Cents on FB: https://www.facebook.com/TwoCentsPBS Two Cents on Twitter: @twocentspbs Email us: twocentspbs@gmail.com sources: https://www.nytimes.com/2020/03/13/nyregion/coronavirus-panic-buying.html?action=click&module=RelatedLinks&pgtype=Article https://thehill.com/homenews/state-watch/494993-iowa-man-accused-of-price-gouging-for-toilet-paper-cleaning-supplies https://www.dmagazine.com/healthcare-business/2020/04/price-gouging-concerns-in-the-covid-19-era/ https://www.cnbc.com/2020/04/10/coronavirus-price-gouging-bill-from-warren-fights-price-gouging.html https://www.forbes.com/sites/reneemorad/2020/04/20/5-ways-to-avoid-coronavirus-related-price-gouging/#50f670c34922 https://reason.com/2020/03/18/why-price-gouging-laws-are-a-bad-idea/ https://www.econlib.org/archives/2017/09/thaler_on_price.html https://www.econlib.org/library/Columns/y2017/Davisgouging.html#footnote3 https://www.marketplace.org/shows/marketplace/09012017-2/ https://www.econlib.org/archives/2017/09/a_poll_of_econo.html https://www.npr.org/sections/money/2012/10/29/163861383/why-economists-love-price-gouging-and-why-its-so-rare https://consumer.findlaw.com/consumer-transactions/price-gouging-laws-by-state.html -- Two Cents was created by Katie Graham, Andrew Matthews, Philip Olson CFP® and Julia Lorenz-Olson and is brought to you by PBS Digital Studios. We love dropping some knowledge on all things personal finance and helping you make better money decisions. Two Cents is hosted by Philip Olson, CFP® and Julia Lorenz-Olson Directors: Katie Graham & Andrew Matthews Written by: Andrew Matthews Executive Producer: Amanda Fox P - Are We Headed for a Depression?E14
Are We Headed for a Depression?SUPPORT us on PATREON: https://www.patreon.com/twocentspbsds SUBSCRIBE to Two Cents! https://goo.gl/jQ857H You may have heard the word "depression" being tossed around lately, but before you panic, learn what it really means, and how we got out of one before. Two Cents on FB: https://www.facebook.com/TwoCentsPBS Two Cents on Twitter: @twocentspbs Email us: twocentspbs@gmail.com sources: https://www.politico.com/news/magazine/2020/03/19/coronavirus-defense-production-world-war-two-lessons-135814 https://eh.net/encyclopedia/economic-recovery-in-the-great-depression/ https://www.history.com/news/life-for-the-average-family-during-the-great-depression https://www.thebalance.com/fdr-and-the-new-deal-programs-timeline-did-it-work-3305598 https://www.politico.com/newsletters/global-translations/2020/03/20/can-we-avoid-an-economic-depression-488635 https://exclusive.multibriefs.com/content/is-a-new-new-deal-possible/civil-government https://livingnewdeal.org/a-new-new-deal-is-possible-richard-walker-interviewed-in-multibriefs/ https://www.investopedia.com/terms/r/recession.asp https://en.wikipedia.org/wiki/Depression_(economics) https://www.politico.com/news/magazine/2020/03/19/coronavirus-defense-production-world-war-two-lessons-135814 https://www.npr.org/2020/03/26/821787090/episode-985-where-do-we-get-2-000-000-000-000?fbclid=IwAR1ZHaCDTgy4Cx3Eaf63NCVgoP69NKRLj3R4bqefc0G9WdKoYCB_h8x6ixM -- Two Cents was created by Katie Graham, Andrew Matthews, Philip Olson CFP® and Julia Lorenz-Olson and is brought to you by PBS Digital Studios. We love dropping some knowledge on all things personal finance and helping you make better money decisions. Two Cents is hosted by Philip Olson, CFP® and Julia Lorenz-Olson Directors: Katie Graham & Andrew Matthews Written by: Philip Olson, CFP® and Julia Lorenz-Olson Executive Producer: Amanda Fox Produced by: Katie Graham Edited & Animated by: Andrew Matthews Images by: Shutterstock Music by: APM - Is the Stock Market Irrational?E15
Is the Stock Market Irrational?SUPPORT us on PATREON: https://www.patreon.com/twocentspbsds SUBSCRIBE to Two Cents! https://goo.gl/jQ857H The economic numbers look bleak, but the stock market is strangely optimistic... Has it lost touch with reality? Two Cents on FB: https://www.facebook.com/TwoCentsPBS Two Cents on Twitter: @twocentspbs Email us: twocentspbs@gmail.com sources: Thaler, Richard H.. Misbehaving: The Making of Behavioral Economics. W. W. Norton & Company. https://www.nytimes.com/2020/04/30/opinion/economy-stock-market-coronavirus.html https://www.longtermtrends.net/market-cap-to-gdp/ https://en.wikipedia.org/wiki/Efficient-market_hypothesis https://onlinelibrary.wiley.com/doi/abs/10.1111/1540-6261.00556 https://en.wikipedia.org/wiki/Black_Monday_(1987) https://www.cnbc.com/2020/04/25/making-sense-of-a-stock-market-just-16percent-off-its-high-while-a-pandemic-costs-26-million-jobs.html https://www.vox.com/covid-19-coronavirus-economy-recession-stock-market/2020/5/6/21248069/stock-market-economy-federal-reserve-jerome-powell https://www.washingtonpost.com/business/2020/05/09/one-chart-shows-how-stock-market-is-completely-decoupled-labor-market/ https://www.investopedia.com/terms/m/marketcapgdp.asp https://smallbusiness.chron.com/emotional-theory-stock-market-1815.html https://www.investopedia.com/articles/01/030701.asp https://blog.oup.com/2020/03/how-emotions-affect-the-stock-market/ -- Two Cents was created by Katie Graham, Andrew Matthews, Philip Olson CFP® and Julia Lorenz-Olson and is brought to you by PBS Digital Studios. We love dropping some knowledge on all things personal finance and helping you make better money decisions. Two Cents is hosted by Philip Olson, CFP® and Julia Lorenz-Olson Directors: Katie Graham & Andrew Matthews Written by: Philip Olson, CFP® and Julia Lorenz-Olson Executive Producer: Amanda Fox Produced by: Katie Graham Edited & Animated by: Andrew Matthews Images by: Shutterstock Music by: APM - Should I Invest in Gold?E16
Should I Invest in Gold?SUPPORT us on PATREON: https://www.patreon.com/twocentspbsds SUBSCRIBE to Two Cents! https://goo.gl/jQ857H In times of uncertainty, gold can seem like an attractive option... but is it really a viable long-term investment? Two Cents on FB: https://www.facebook.com/TwoCentsPBS Two Cents on Twitter: @twocentspbs Email us: twocentspbs@gmail.com Two Cents was created by Katie Graham, Andrew Matthews, Philip Olson CFP® and Julia Lorenz-Olson and is brought to you by PBS Digital Studios. We love dropping some knowledge on all things personal finance and helping you make better money decisions. sources: https://www.ancient.eu/gold/ https://www.theguardian.com/money/us-money-blog/2013/sep/26/gold-investment-driven-market-fears https://www.investopedia.com/articles/basics/08/invest-in-gold.asp https://www.investopedia.com/ask/answers/021615/does-warren-buffett-invest-gold-why-or-why-not.asp https://www.nytimes.com/2013/07/28/business/budging-just-a-little-on-investing-in-gold.html https://www.doughroller.net/investing/6-reasons-gold-is-a-terrible-investment/ https://www.usinflationcalculator.com/inflation/historical-inflation-rates/ https://www.macrotrends.net/1333/historical-gold-prices-100-year-chart https://www.investopedia.com/articles/active-trading/050715/how-safe-are-gold-and-silver-investments.asp https://www.consumer.ftc.gov/articles/0134-investing-gold Two Cents is hosted by Philip Olson, CFP® and Julia Lorenz-Olson Directors: Katie Graham & Andrew Matthews Written by: Philip Olson, CFP® and Julia Lorenz-Olson Executive Producer: Amanda Fox Produced by: Katie Graham Edited & Animated by: Andrew Matthews Images by: Shutterstock Music by: APM - Is There Such a Thing as Good Debt?E17
Is There Such a Thing as Good Debt?SUPPORT us on PATREON: https://www.patreon.com/twocentspbsds SUBSCRIBE to Two Cents! https://goo.gl/jQ857H Some say that debt is the gateway to your goals, others say it's a ball and chain that will drag you down... So who's right? Two Cents on FB: https://www.facebook.com/TwoCentsPBS Two Cents on Twitter: @twocentspbs Email us: twocentspbs@gmail.com Two Cents was created by Katie Graham, Andrew Matthews, Philip Olson CFP® and Julia Lorenz-Olson and is brought to you by PBS Digital Studios. We love dropping some knowledge on all things personal finance and helping you make better money decisions. sources: http://archive.boston.com/bostonglobe/ideas/articles/2011/08/21/which_came_first_money_or_debt/ https://www.debt.org/advice/good-vs-bad/#:~:text=What's%20the%20difference%3F,for%20it%2C%20it's%20bad%20debt. https://www.richdad.com/how-to-start-a-business-without-money-part-1#at_pco=smlrebh-1.0&at_si=5edeae9a55751dc1&at_ab=per-2&at_pos=0&at_tot=4 https://thecollegeinvestor.com/4726/ultimate-hypocrite-robert-kiyosaki-companys-bankruptcy/ https://www.gpb.org/news/2011/07/24/the-evolution-of-debt-from-mesopotamia-to-america https://www.aplu.org/projects-and-initiatives/college-costs-tuition-and-financial-aid/publicuvalues/employment-earnings.html#:~:text=On%20an%20annual%20basis%2C%20bachelor's,is%20a%20high%20school%20diploma.&text=The%20earnings%20gap%20between%20college,less%20education%20continues%20to%20widen.&text=For%20high%20school%20graduates%20the,earnings%20are%20%2430%2C000%20a%20year. Two Cents is hosted by Philip Olson, CFP® and Julia Lorenz-Olson Directors: Katie Graham & Andrew Matthews Written by: Philip Olson, CFP® and Julia Lorenz-Olson Executive Producer: Amanda Fox Produced by: Katie Graham Edited & Animated by: Andrew Matthews Images by: Shutterstock Music by: APM - What's the Best Way to Support Musicians?E18
What's the Best Way to Support Musicians?SUPPORT us on PATREON: https://www.patreon.com/twocentspbsds SUBSCRIBE to Two Cents! https://goo.gl/jQ857H Even before live gigs were cancelled, many musicians were struggling to make a living... what can you do to help your favorite artists? Two Cents on FB: https://www.facebook.com/TwoCentsPBS Two Cents on Twitter: @twocentspbs Email us: twocentspbs@gmail.com Two Cents was created by Katie Graham, Andrew Matthews, Philip Olson CFP® and Julia Lorenz-Olson and is brought to you by PBS Digital Studios. We love dropping some knowledge on all things personal finance and helping you make better money decisions. sources: https://www.rollingstone.com/pro/news/the-median-u-s-musician-is-still-making-under-25000-a-year-666833/ https://www.npr.org/templates/story/story.php?storyId=17272855 https://www.theguardian.com/music/2019/may/31/napster-twenty-years-music-revolution https://money.cnn.com/2010/02/02/news/companies/napster_music_industry/ https://www.investopedia.com/articles/personal-finance/121614/how-pandora-and-spotify-pay-artists.asp https://www.businessinsider.com/how-apple-music-and-spotify-pay-music-artist-streaming-royalties-2020-1 https://www.theatlantic.com/ideas/archive/2020/03/musicians-coronavirus-second-cataclysm/608074/ https://www.theguardian.com/music/2017/jan/30/where-does-concert-ticket-money-go https://www.wsj.com/articles/for-musicians-screen-time-is-a-growing-source-of-income-11556377200 https://smallbusiness.chron.com/divide-percentages-record-label-39258.html https://www.thebalancecareers.com/how-does-tour-merchandising-work-2460898 Two Cents is hosted by Philip Olson, CFP® and Julia Lorenz-Olson Directors: Katie Graham & Andrew Matthews Written by: Jon Fortenbury Executive Producer: Amanda Fox Produced by: Katie Graham Edited & Animated by: Andrew Matthews Images by: Shutterstock Music by: APM stock footage: The Prelinger Archive and British Pathé special thanks to Tim Kasher - Are 401(k)s a Financial Silver Bullet?E19
Are 401(k)s a Financial Silver Bullet?SUPPORT us on PATREON: https://www.patreon.com/twocentspbsds SUBSCRIBE to Two Cents! https://goo.gl/jQ857H Almost every financial adviser recommends having a 401(k)... but are they the surefire solution they're made out to be? Two Cents on FB: https://www.facebook.com/TwoCentsPBS Two Cents on Twitter: @twocentspbs Email us: twocentspbs@gmail.com Two Cents was created by Katie Graham, Andrew Matthews, Philip Olson CFP® and Julia Lorenz-Olson and is brought to you by PBS Digital Studios. We love dropping some knowledge on all things personal finance and helping you make better money decisions. sources: https://www.cnbc.com/2017/01/04/a-brief-history-of-the-401k-which-changed-how-americans-retire.html https://www.fool.com/investing/2018/06/05/pensions-are-disappearing-heres-how-to-save-for-re.aspx https://20somethingfinance.com/401k-match/ https://www.investopedia.com/articles/personal-finance/061913/hidden-fees-401ks.asp https://money.usnews.com/investing/investing-101/articles/2018-01-08/the-ugly-truth-about-retirement-savings-shortfalls https://www.cnbc.com/2019/03/07/63-percent-of-americans-are-confused-about-401k-retirement-plans.html Two Cents is hosted by Philip Olson, CFP® and Julia Lorenz-Olson Directors: Katie Graham & Andrew Matthews Written by: Philip Olson, CFP® and Julia Lorenz-Olson Executive Producer: Amanda Fox Produced by: Katie Graham Edited & Animated by: Dano Johnson Images by: Shutterstock Music by: APM - Can You Get into Real Estate for $100?E20
Can You Get into Real Estate for $100?Check out Career Hacks: https://www.youtube.com/watch?v=XcvHlFpR04I Looking to get into the real estate game but lack the tens of thousands of dollars for a down payment? Well, let us give you a tour! Two Cents on FB: https://www.facebook.com/TwoCentsPBS Two Cents on Twitter: @twocentspbs Email us: twocentspbs@gmail.com Two Cents was created by Katie Graham, Andrew Matthews, Philip Olson CFP® and Julia Lorenz-Olson and is brought to you by PBS Digital Studios. We love dropping some knowledge on all things personal finance and helping you make better money decisions. Two Cents is hosted by Philip Olson, CFP® and Julia Lorenz-Olson Directors: Katie Graham & Andrew Matthews Written by: Philip Olson, CFP® and Julia Lorenz-Olson Executive Producer: Amanda Fox Produced by: Katie Graham Edited & Animated by: Dano Johnson Images by: Shutterstock Music by: APM - What Should I Do with My Loose Change?E21
What Should I Do with My Loose Change?SUPPORT us on PATREON: https://www.patreon.com/twocentspbsds SUBSCRIBE to Two Cents! https://goo.gl/jQ857H What better time than a national coin shortage to reflect on the importance of your loose change! Two Cents was created by Katie Graham, Andrew Matthews, Philip Olson CFP® and Julia Lorenz-Olson and is brought to you by PBS Digital Studios. We love dropping some knowledge on all things personal finance and helping you make better money decisions. Two Cents is hosted by Philip Olson, CFP® and Julia Lorenz-Olson Directors: Katie Graham & Andrew Matthews Written by: Andrew Matthews Executive Producer: Amanda Fox Produced by: Katie Graham Edited & Animated by: Joe Rothenberg Images by: Shutterstock Music by: APM - The Smart Person's Guide to GivingE22
The Smart Person's Guide to GivingSUPPORT us on PATREON: https://www.patreon.com/twocentspbsds SUBSCRIBE to Two Cents! https://goo.gl/jQ857H Whether you can give a little or a lot, being smart about how you donate your dollars can make them go farther and help more people in need. Two Cents was created by Katie Graham, Andrew Matthews, Philip Olson CFP® and Julia Lorenz-Olson and is brought to you by PBS Digital Studios. We love dropping some knowledge on all things personal finance and helping you make better money decisions. sources: https://www.propublica.org/article/how-the-red-cross-raised-half-a-billion-dollars-for-haiti-and-built-6-homes https://www.tampabay.com/news/nation/americas-50-worst-charities-rake-in-nearly-1-billion-for-corporate/2339540/ https://www.vox.com/the-big-idea/2017/4/24/15377056/big-charities-best-charities-evaluation-nonprofit https://www.usatoday.com/story/money/taxes/2018/07/06/how-much-average-taxpayer-give-charity-taxes-2018/36561381/ Two Cents is hosted by Philip Olson, CFP® and Julia Lorenz-Olson Directors: Katie Graham & Andrew Matthews Written by: Jon Fortenbury & Andrew Matthews Executive Producer: Amanda Fox Produced by: Katie Graham Edited & Animated by: Andrew Matthews Images by: Shutterstock Music by: APM - Philip & Julia Go to THERAPY!E23
Philip & Julia Go to THERAPY!SUPPORT us on PATREON: https://www.patreon.com/twocentspbsds SUBSCRIBE to Two Cents! https://goo.gl/jQ857H How does your emotional history impact your financial decisions? We went to therapy to find out! Two Cents was created by Katie Graham, Andrew Matthews, Philip Olson CFP® and Julia Lorenz-Olson and is brought to you by PBS Digital Studios. We love dropping some knowledge on all things personal finance and helping you make better money decisions. Special Thanks to Michelle Bohls, LMFT Two Cents is hosted by Philip Olson, CFP® and Julia Lorenz-Olson Directors: Katie Graham & Andrew Matthews Written by: Philip Olson, CFP® and Julia Lorenz-Olson Executive Producer: Amanda Fox Produced by: Katie Graham Edited & Animated by: Andrew Matthews Images by: Shutterstock Music by: APM Stock footage: Prelinger Archives - The HIDDEN COSTS of Every Decision You Make!E24
The HIDDEN COSTS of Every Decision You Make!SUPPORT us on PATREON: https://www.patreon.com/twocentspbsds SUBSCRIBE to Two Cents! https://goo.gl/jQ857H Every decision you make comes with a price, which economists call the "opportunity cost." Understanding it can help you become a better CFO of your life. Two Cents was created by Katie Graham, Andrew Matthews, Philip Olson CFP® and Julia Lorenz-Olson and is brought to you by PBS Digital Studios. We love dropping some knowledge on all things personal finance and helping you make better money decisions. sources: https://en.wikibooks.org/wiki/Microeconomics/Opportunity_Cost https://www.thebalance.com/what-is-opportunity-cost-357200 https://examples.yourdictionary.com/opportunity-cost-examples.html https://www.wsj.com/articles/pepsi-cola-replaces-diet-coke-as-no-2-soda-1427388559 Two Cents is hosted by Philip Olson, CFP® and Julia Lorenz-Olson Directors: Katie Graham & Andrew Matthews Written by: Andrew Matthews Executive Producer: Amanda Fox Produced by: Katie Graham Edited & Animated by: Andrew Matthews Images by: Shutterstock Music by: APM - How to Deal with Debt Collectors!E25
How to Deal with Debt Collectors!Thank you to Audible for supporting PBS. Visit https://www.audible.com/twocents or text "twocents"to 500 500 to learn more about Audible. SUPPORT us on PATREON: https://www.patreon.com/twocentspbsds SUBSCRIBE to Two Cents! https://goo.gl/jQ857H No matter what circle of Debt Collection Heck you're stuck in, we've got the tips that will help you claw your way back to the surface! sources: https://www.nerdwallet.com/blog/finance/unpaid-debt-collections/ https://www.investopedia.com/articles/personal-finance/121514/how-debt-collection-agency-business-works.asp https://www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text https://www.bankrate.com/finance/debt/old-debt-fall-credit-report.aspx https://www.youtube.com/watch?v=H03pg7QHsnY https://www.clearpoint.org/blog/why-credit-counseling-should-always-be-free/ https://smartasset.com/credit-score/how-to-negotiate-a-debt-settlement-on-your-own Two Cents is hosted by Philip Olson, CFP® and Julia Lorenz-Olson Directors: Katie Graham & Andrew Matthews Written by: Philip Olson, CFP® Executive Producer: Amanda Fox Produced by: Katie Graham Edited & Animated by: Dano Johnson Images by: Shutterstock Music by: APM - The Best Way to Apply for Student Aid!E26
The Best Way to Apply for Student Aid!Check out Self-Evident on PBS Voices: https://youtu.be/Bwsne4eMVyU Take the PBS Digital Studios annual survey: http://to.pbs.org/2020survey Whether you're in college, going to college, or have kids that will go to college, how you go about applying for financial aid can make the difference between a full ride and a lifetime of debt! sources: https://nces.ed.gov/fastfacts/display.asp?id=31 (nerdy fin aid breakdowns) https://www.salliemae.com/about/leading-research/how-america-pays-for-college/ https://www.salliemae.com/college-planning/tools/college-planning-calculator/ https://www.wisebread.com/12-surprising-ways-to-get-more-college-financial-aid https://www.businessinsider.com/why-is-college-so-expensive-2018-4 https://www.nerdwallet.com/blog/loans/student-loans/what-is-work-study/ https://nypost.com/2018/06/25/young-americans-suffering-from-serious-case-of-student-loan-regret/ https://www.usnews.com/education/best-colleges/paying-for-college/articles/paying-for-college-infographic https://www.savingforcollege.com/article/how-to-get-more-financial-aid-for-college Two Cents is hosted by Philip Olson, CFP® and Julia Lorenz-Olson Directors: Katie Graham & Andrew Matthews Written by: Philip Olson, CFP® and Julia Lorenz-Olson Executive Producer: Amanda Fox Produced by: Katie Graham Edited & Animated by: Sara Roma Images by: Shutterstock Music by: APM - The History of the US DollarE27
The History of the US DollarThank you to Target for supporting PBS. You can learn more at: https://target.com/community Share your story today: https://to.pbs.org/3izZeXh How did the US dollar come to be the most ubiquitous, trusted and traded currency in the history of the world? Two Cents was created by Katie Graham, Andrew Matthews, Philip Olson CFP® and Julia Lorenz-Olson and is brought to you by PBS Digital Studios. We love dropping some knowledge on all things personal finance and helping you make better money decisions. sources: Weatherford, Jack. "The History of Money." Three Rivers Press, 1997. https://www.sporcle.com/blog/2019/03/who-is-on-us-money-and-why/ https://www.biography.com/news/historial-figures-on-us-money https://www.thoughtco.com/faces-on-us-currency-4153995 https://www.usmint.gov/learn/history/overview https://www.bbc.com/worklife/article/20190528-the-curious-origin-of-the-symbol https://en.wikipedia.org/wiki/Dixie#:~:text=Origin%20of%20the%20name,-Ten%2Ddollar%20note&text=%22Dixie%22%20is%20derived%20from%20Jeremiah,subsequent%20to%20the%20Missouri%20Compromise. https://www.insider.com/us-dollar-bill-evolution-2018-6#:~:text=16th%20US%20President%20Abraham%20Lincoln,money%20approved%20by%20the%20government).&text=The%20large%2Dformat%20bill%20featured,Treasury%20during%20the%20Civil%20War. https://en.wikipedia.org/wiki/Reserve_currency#:~:text=In%201944%2C%20when%20the%20US,second%20currency%20in%20global%20reserves. Two Cents is hosted by Philip Olson, CFP® and Julia Lorenz-Olson Directors: Katie Graham & Andrew Matthews Written by: Philip Olson, CFP® Executive Producer: Amanda Fox Produced by: Katie Graham Edited & Animated by: Dano Johnson Images by: Shutterstock Music by: APM - Who's To Blame for Evictions?E28
Who's To Blame for Evictions?SUPPORT us on PATREON: https://www.patreon.com/twocentspbsds SUBSCRIBE to Two Cents! https://goo.gl/jQ857H Some say America is in the midst of an eviction epidemic... but whose fault is it? Greedy landlords? Deadbeat tenants? Let's hear the evidence! sources: evictionlab.org https://www.nbcnews.com/business/personal-finance/large-corporate-landlords-have-filed-10-000-eviction-actions-five-n1244711 https://www.realtor.com/advice/rent/how-to-fight-an-eviction-during-coronavirus-pandemic/ https://www.npr.org/2020/08/20/904456209/the-looming-eviction-crisis https://www.npr.org/transcripts/830237502 https://www.investopedia.com/articles/mortgages-real-estate/09/so-you-wanna-be-a-landlord.asp https://www.investopedia.com/terms/e/eviction.asp https://www.nytimes.com/2019/12/12/upshot/eviction-prevention-solutions-government.html https://www.wnycstudios.org/podcasts/otm/episodes/scarlet-e-part-iii-tenants-and-landlords https://www.cnet.com/personal-finance/new-national-eviction-moratorium-for-the-rest-of-2020-what-you-need-to-know/ https://www.forbes.com/sites/robertfarrington/2020/07/15/what-an-eviction-freeze-means-for-mom-and-pop-landlords/#638f426a7061 https://time.com/5846383/coronavirus-small-landlords/ https://www.huduser.gov/portal/pdredge/pdr-edge-frm-asst-sec-061118.html https://www.nytimes.com/interactive/2018/04/07/upshot/millions-of-eviction-records-a-sweeping-new-look-at-housing-in-america.html https://www.bloomberg.com/news/articles/2020-10-22/landlords-launch-legal-attack-on-cdc-eviction-ban https://medium.com/justfixnyc/examining-the-myth-of-the-mom-and-pop-landlord-6f9f252a09c https://www.brookings.edu/blog/up-front/2020/09/21/an-eviction-moratorium-without-rental-assistance-hurts-smaller-landlords-too/ https://www.bloombergquint.com/onweb/eviction-filings-by-big-landlords-surged-after-trump-issued-ban https://nypost.com/2020/02/04/more-americans-are-spending-over-half-their-income-on-housing/ Two Cents was created by Katie Graha - How Your Cellphone Is Ripping You Off!E29
How Your Cellphone Is Ripping You Off!SUPPORT us on PATREON: https://www.patreon.com/twocentspbsds SUBSCRIBE to Two Cents! https://goo.gl/jQ857H That magical little brick in your pocket is making your money--and time--disappear! sources: https://www.vox.com/2017/2/17/14642190/phone-data-unlimited-ripoff-verizon-sprint-tmobile-att-joanna-stern-recode-podcast https://www.tomsguide.com/us/wireless-carrier-ripoffs,news-22607.html https://themarkup.org/2020/09/03/cost-speed-of-mobile-data-by-country https://money.cnn.com/2015/04/23/technology/cell-phone-ripoff/index.html https://www.usatoday.com/story/money/personalfinance/2013/09/14/cellphones-for-poor-people/2805735/ https://blog.innerdrive.co.uk/6-reasons-to-put-your-phone-away https://www.vox.com/2014/7/8/5880335/what-cell-phone-ownership-says-about-poverty-in-america https://www.nytimes.com/2014/05/01/business/economy/changed-life-of-the-poor-squeak-by-and-buy-a-lot.html https://www.visualcapitalist.com/cost-of-mobile-data-worldwide/ https://www.whistleout.com/CellPhones/Guides/3-Reasons-Why-You-May-Not-Need-Unlimited-Data https://www.androidcentral.com/do-you-need-unlimited-plan Two Cents was created by Katie Graham, Andrew Matthews, Philip Olson CFP® and Julia Lorenz-Olson and is brought to you by PBS Digital Studios. We love dropping some knowledge on all things personal finance and helping you make better money decisions. Two Cents is hosted by Philip Olson, CFP® and Julia Lorenz-Olson Directors: Katie Graham & Andrew Matthews Written by: Andrew Matthews Executive Producer: Amanda Fox Produced by: Katie Graham Edited & Animated by: Dano Johnson Images by: Shutterstock Music by: AP