MONEY MATTERS with Christopher Hensley

When the rain finally stoped, a vast majority of homeowners in Texas digging out from Harvey's aftermath confronted another arduous obstacle — finding enough money to repair uninsured properties. Have you already filed with FEMA but been denied? Is the estimate that your insurance company gave you much lower than what you expected. What roadblocks should you be aware of when it comes to filing a FEMA or flood insurance claim?

On today’s show we talked with former catastrophe adjuster, Kevin Godfrey about how to deal with FEMA and/or your insurance company. 

To learn more about Kevin visit:

www.HenryLaurent.com and

www.emptyup.com

To learn more about Houston Money Week visit:

www.Houstonmoneyweek.org

Resources mentioned on the show:

The U.S. Small Business Administration has monetary distribution efforts to assist your clients and residents in Harris and surrounding counties. Taking out a loan may not be ideal for everyone, but at least immediate needs can be addressed for those who qualify. SBA Office of Disaster Assistance (ODA) will also be organizing Disaster Recovery Centers and Business Recovery Centers. (Coming Soon)

 

Red Cross (800) 733-2767

www.redcross.org/Disaster-Relief/Hurricane

 

FEMA, Apply for Disaster Assistance

https://www.fema.gov/apply-assistance

 

FEMA, Next Steps following Registration

https://www.fema.gov/faq-details/Next-steps-after-registering-for-Disaster-Assistance-1370032123676

 

Houston Hispanic Forum’s Hurricane Harvey – Disaster Recovery Guide 

From our work, we were able to connect and gather information from so many organizations focusing on disaster relief. Our team created a compact and comprehensive recovery guide making it easy for our families to read in a time of distress. The Disaster Recovery Guide is a summary of immediate and long-term disaster recovery resources available in the greater Houston area. The brochure includes the link to the City of Houston’s full resource guide.

 

Consumer Financial Protection Bureau’s Hurricane Harvey Financial Toolkit

When a catastrophe like Hurricane Harvey happens, your world can be turned upside down. During these tough times, it may be difficult to know who to trust and where to look for guidance and assistance, as well as what financial steps to take as you begin recovering. Once you have addressed your urgent needs, we have five steps you can take to help you secure your home and finances.

https://www.consumerfinance.gov/about-us/blog/after-hurricane-harvey-financial-toolkit/?utm_source=newsletter&utm_medium=email&utm_campaign=emergency2017&utm_term=20170905

Personal Finance Cheat Sheet Article:

http://www.cheatsheet.com/personal-finance/how-schools-can-improve-their-personal-finance-education.html/

Financial Advisor Magazine Articles:

http://www.fa-mag.com/news/advisors-stay-the-course-amid-monday-s-market-drop-22864.html?section=3 

http://www.fa-mag.com/news/on-it-s-80th-anniversaryadvisors-consider-social-security-s-impactfuture-22784.html?section=3

You can listen live by going to www.kpft.org and clicking on the HD3 tab.
You can also listen to this episode and others by podcast at:

http://directory.libsyn.com/shows/view/id/moneymatters

or

www.moneymatterspodcast.com

#KPFTHOUSTON

#HoustonMoneyWK

Direct download: 174.mp3
Category:Houston Economy -- posted at: 7:58am PDT
Comments[0]

The brutal storm that pummeled the Houston and Gulf Coast area is likely to rank as one of the nation's costliest natural disasters, with tens of billions in lost economic activity and property damage across a region crucial to the energy, chemical and shipping industries.

On today's show we talked about the Macro and Micro economic impact of Hurricane Harvey. We looked at expected cost at a national level. We also examined the possibility of FEMA buying out homes flooded by Harvey. 

Houston Money Week has compiled a list of resources available through our partner organizations for disaster recovery after Harvey. We discussed some of the initial rejections on FEMA claims and how to get help if you are undocumented. 

To learn more about Houston Money Week visit:

www.Houstonmoneyweek.org

Resources mentioned on the show:

The U.S. Small Business Administration has monetary distribution efforts to assist your clients and residents in Harris and surrounding counties. Taking out a loan may not be ideal for everyone, but at least immediate needs can be addressed for those who qualify. SBA Office of Disaster Assistance (ODA) will also be organizing Disaster Recovery Centers and Business Recovery Centers. (Coming Soon)

 

Red Cross (800) 733-2767

www.redcross.org/Disaster-Relief/Hurricane

 

FEMA, Apply for Disaster Assistance

https://www.fema.gov/apply-assistance

 

FEMA, Next Steps following Registration

https://www.fema.gov/faq-details/Next-steps-after-registering-for-Disaster-Assistance-1370032123676

 

Houston Hispanic Forum’s Hurricane Harvey - Disaster Recovery Guide 

From our work, we were able to connect and gather information from so many organizations focusing on disaster relief. Our team created a compact and comprehensive recovery guide making it easy for our families to read in a time of distress. The Disaster Recovery Guide is a summary of immediate and long-term disaster recovery resources available in the greater Houston area. The brochure includes the link to the City of Houston's full resource guide.

 

Consumer Financial Protection Bureau’s Hurricane Harvey Financial Toolkit

When a catastrophe like Hurricane Harvey happens, your world can be turned upside down. During these tough times, it may be difficult to know who to trust and where to look for guidance and assistance, as well as what financial steps to take as you begin recovering. Once you have addressed your urgent needs, we have five steps you can take to help you secure your home and finances.

https://www.consumerfinance.gov/about-us/blog/after-hurricane-harvey-financial-toolkit/?utm_source=newsletter&utm_medium=email&utm_campaign=emergency2017&utm_term=20170905

Personal Finance Cheat Sheet Article:

http://www.cheatsheet.com/personal-finance/how-schools-can-improve-their-personal-finance-education.html/

Financial Advisor Magazine Articles:

http://www.fa-mag.com/news/advisors-stay-the-course-amid-monday-s-market-drop-22864.html?section=3 

http://www.fa-mag.com/news/on-it-s-80th-anniversaryadvisors-consider-social-security-s-impactfuture-22784.html?section=3

You can listen live by going to www.kpft.org and clicking on the HD3 tab.
You can also listen to this episode and others by podcast at:

http://directory.libsyn.com/shows/view/id/moneymatters

or

www.moneymatterspodcast.com

#KPFTHOUSTON

#HoustonMoneyWK

Direct download: 173.mp3
Category:Houston Economy -- posted at: 12:25pm PDT
Comments[1]

For many marketing professionals, "science" is a four-letter word. They see brand-building as an unteachable art guided by their intuition and experience. But at its core, marketing aims to seed ideas into people's minds, make them feel a certain way, and, ultimately, get them to act.

Our guest today was Daryl Weber, author of Brand Seduction: How Neuroscience Can Help Marketers Build Memorable Brands. We discussed the role of brand in the presidential election, and much more.In Brand Seduction, Daryl reveals the latest psychological and neuroscientific discoveries about how our minds process brand information and make decisions, and the important roles our emotions and unconscious play in our selections.

To learn more about Daryl visit:

www.Daryl-Weber.com 

Personal Finance Cheat Sheet Article:

http://www.cheatsheet.com/personal-finance/how-schools-can-improve-their-personal-finance-education.html/

Financial Advisor Magazine Articles:

http://www.fa-mag.com/news/advisors-stay-the-course-amid-monday-s-market-drop-22864.html?section=3 

http://www.fa-mag.com/news/on-it-s-80th-anniversaryadvisors-consider-social-security-s-impactfuture-22784.html?section=3

You can listen live by going to www.kpft.org and clicking on the HD3 tab.
You can also listen to this episode and others by podcast at:

http://directory.libsyn.com/shows/view/id/moneymatters

or

www.moneymatterspodcast.com

#KPFTHOUSTON

#Brandedcortex

Direct download: 172.mp3
Category:general -- posted at: 11:28am PDT
Comments[0]

Lifelong Career motivation differs from person to person. Perhaps you’re driven by a challenge, have a dream to work in a particular field, want to earn the highest income you can; but for some, the greatest motivation in her or his career is knowing their work can make a positive impact on society.

CareerCast.com is the Internet's premier career site for finding targeted job opportunities by industry, function and location. The site's job database offers opportunities from all U.S. and Canadian newspaper, magazine, association, niche and TV station web sites powered by Adicio Inc., the Internet's leading developer of web-based classified advertising solutions.

To learn more about Career cast visit:

http://www.careercast.com/about-us

 

Personal Finance Cheat Sheet Article:

http://www.cheatsheet.com/personal-finance/how-schools-can-improve-their-personal-finance-education.html/

Financial Advisor Magazine Articles:

http://www.fa-mag.com/news/advisors-stay-the-course-amid-monday-s-market-drop-22864.html?section=3 

http://www.fa-mag.com/news/on-it-s-80th-anniversaryadvisors-consider-social-security-s-impactfuture-22784.html?section=3

You can listen live by going to www.kpft.org and clicking on the HD3 tab.
You can also listen to this episode and others by podcast at:

http://directory.libsyn.com/shows/view/id/moneymatters

or

www.moneymatterspodcast.com

#KPFTHOUSTON
#careercast

Direct download: 171.mp3
Category:Job Seekers -- posted at: 11:13am PDT
Comments[0]

 

The U.S. Department of Agriculture estimates food waste in the United States to be about 30 to 40 percent of the food supply. An estimated 133 billion pounds of food from stores, restaurants and homes was wasted in 2010, according to the USDA. The amount of uneaten food from homes and restaurants in 2008 was valued at $390 per customer.

Our guest for today was Barbara Heitman Bronstein, founder of Second Servings Houston. Raised in New York, Barbara has called Houston home for over 30 years. She graduated from Tufts University before earning an MBA in Marketing from New York University. After a successful career marketing some of America's leading brands for Unilever, Mars, and Coca-Cola, Barbara piloted a banquet food rescue program known as "Banquet Bounty for the Hungry", the precursor to Second Servings of Houston.

Second Servings of Houston strives to alleviate hunger and reduce waste by rescuing excess prepared food from hotels, caterers, sports venues, cafeterias, food retailers, and other regulated food businesses, and delivering it promptly and safely to approved charitable meal sites.

To learn more about Second Servings visit:

 

 https://www.secondservingshouston.org/

Personal Finance Cheat Sheet Article:

http://www.cheatsheet.com/personal-finance/how-schools-can-improve-their-personal-finance-education.html/

Financial Advisor Magazine Articles:

http://www.fa-mag.com/news/advisors-stay-the-course-amid-monday-s-market-drop-22864.html?section=3 

http://www.fa-mag.com/news/on-it-s-80th-anniversaryadvisors-consider-social-security-s-impactfuture-22784.html?section=3

You can listen live by going to www.kpft.org and clicking on the HD3 tab.
You can also listen to this episode and others by podcast at:

http://directory.libsyn.com/shows/view/id/moneymatters

or

www.moneymatterspodcast.com

#KPFTHOUSTON
#SecondServings

 

Check out this episode!

Direct download: 170.mp3
Category:Charitable Giving -- posted at: 8:29am PDT
Comments[0]

 Drawing from examples gathered over two decades of turning a weekly Fort Worth comedy show into a full-time business that has them traveling the world and serving as Entrepreneurs in Residence at the business school at Texas Christian University, co-authors David Wilk, David Ahearn, and Frank Ford demonstrate how “yes, and” thinking helps improve communication skills, facilitate creative problem solving, and generate new ideas that can refresh and rejuvenate.  From understanding the value of open minded, active listening (the ability to say “yes” to anything and mean it); to a willingness to offer out-of-the-box ideas without prejudgment (putting the “and” into action); to demonstrating authentic respect for the ideas and intentions of others, Happy Accidents shows how the same elements that make for great teamwork on stage prove to be immensely successful strategies in the workplace and board room.

Frank Ford has had a successful career in the entertainment industry for the last 25 years and is one of the founding members and owner of Four Day Weekend, a comedy institution in Texas. He has also studied at the renowned Second City Conservatory in Chicago and taught advanced classes at the Four Day Weekend Training Center.

As a professional actor, Frank has appeared in numerous commercial spots, television shows and films. In addition, he has received critical-acclaim for his original comedy revues, comedy album, short films and acting roles.

Over the years, Frank has been recognized for his writing, including the sale of an original comedy to 20th Century FOX. Frank has recently finished writing a feature film, is working on a pilot treatment for HBO and is in the process of publishing his first book entitled, Happy Accidents, which teaches people how use the philosophy of improvisation in a positive way to enrich their lives.

To learn more about Frank Ford visit:

http://www.frankjford.com/About_Frank.html

Happy Accidents book:

https://www.amazon.com/Happy-Accidents-Transformative-Power-Work/dp/1119428564/ref=sr_1_2?ie=UTF8&qid=1501525845&sr=8-2&keywords=happy+accidents

 

Personal Finance Cheat Sheet Article:

http://www.cheatsheet.com/personal-finance/how-schools-can-improve-their-personal-finance-education.html/

Financial Advisor Magazine Articles:

http://www.fa-mag.com/news/advisors-stay-the-course-amid-monday-s-market-drop-22864.html?section=3 

http://www.fa-mag.com/news/on-it-s-80th-anniversaryadvisors-consider-social-security-s-impactfuture-22784.html?section=3

You can listen live by going to www.kpft.org and clicking on the HD3 tab.
You can also listen to this episode and others by podcast at:

http://directory.libsyn.com/shows/view/id/moneymatters

or

www.moneymatterspodcast.com

#KPFTHOUSTON
#4daywkd

 

Direct download: 169.mp3
Category:Comedy -- posted at: 11:54am PDT
Comments[0]

One of the many things that makes divorce such a complicated and notoriously confusing thing is the array of new terms, acronyms, and phrases tossed around throughout the process. Divorce has its own language, and it is important to be able to talk the talk with family lawyers, judges, collaborative divorce professionals, and clients.

Native to Utah, Joe started his career in 2005 with the Retirement Benefits Group of AXA Advisors.  After successfully working with the RBG, in 2010, he expanded his practice and formed Davis Financial LLC.  In order to further develop his practice; in 2013 he accepted a position as Vice-President of AXA Advisors in Salt Lake City, and later, Regional Vice-President of The Bailey Group.  

In November 2015 Joe took his practice independent and affiliated with a new broker/dealer, Securities America & BEAM Asset Management, an Registered Investment Advisor.  As an independent firm, Davis Financial is able to access world-class platforms & custodians such as Fidelity, TD Ameritrade & Charles Schwab.    

To learn more about Joseph Davis visit:

http://www.davisfinancialllc.com/Our-Team.5.htm

Personal Finance Cheat Sheet Article:

http://www.cheatsheet.com/personal-finance/how-schools-can-improve-their-personal-finance-education.html/

Financial Advisor Magazine Articles:

http://www.fa-mag.com/news/advisors-stay-the-course-amid-monday-s-market-drop-22864.html?section=3 

http://www.fa-mag.com/news/on-it-s-80th-anniversaryadvisors-consider-social-security-s-impactfuture-22784.html?section=3

You can listen live by going to www.kpft.org and clicking on the HD3 tab.
You can also listen to this episode and others by podcast at:

http://directory.libsyn.com/shows/view/id/moneymatters

or

www.moneymatterspodcast.com

#KPFTHOUSTON
#davisfinanciall

 

Direct download: 168.mp3
Category:Financial Literacy -- posted at: 7:43am PDT
Comments[0]

Whether you're wondering if you are in the right career, looking to change job roles, or trying to reduce conflict and improve relationships at work and at home, you must begin by fully understanding your own interests and needs, and how they drive your ultimate happiness as well as unleash your stress points. Used by millions of people worldwide, The Birkman Method is the only personality-assessment tool that reaches beyond self-described behavior and situational analysis to unravel the DNA underpinning workplace satisfaction and productivity.

Sharon Birkman Fink has served as Birkman International, Inc.'s President and CEO since 2002. Originally trained as a singer/musician, Sharon was a National Merit Scholar and Woodrow Wilson Fellow who completed a Master's degree in Music at the University of Texas. She asserts that "any child raised in a family business is always a part of the business" and this makes her Birkman tenure very long indeed.
She is married to international opera performer and 2012 Grammy award winner, Richard Paul Fink, a dramatic baritone who sings regularly at the Metropolitan Opera in New York, and has three daughters. Sharon is involved with several charitable and civic organizations in the Houston area and is member of the Board of Directors of the Escape Foundation. She is also a member of the Board of Directors of Goodwill Industries of Houston.

 

To learn more about Sharon Birkman Fink visit:

https://birkman.com/about-birkman/the-birkman-team/

www.Womenpresidentsorg.com

Personal Finance Cheat Sheet Article:

http://www.cheatsheet.com/personal-finance/how-schools-can-improve-their-personal-finance-education.html/

Financial Advisor Magazine Articles:

http://www.fa-mag.com/news/advisors-stay-the-course-amid-monday-s-market-drop-22864.html?section=3 

http://www.fa-mag.com/news/on-it-s-80th-anniversaryadvisors-consider-social-security-s-impactfuture-22784.html?section=3

You can listen live by going to www.kpft.org and clicking on the HD3 tab.
You can also listen to this episode and others by podcast at:

http://directory.libsyn.com/shows/view/id/moneymatters

or

www.moneymatterspodcast.com

#KPFTHOUSTON
#SBIRKMANFINK

 

Direct download: 167.mp3
Category:Human Resources -- posted at: 12:25pm PDT
Comments[0]

It is widely acknowledged that there is both an ‘art’ and a ‘science’ to financial planning. Technical knowledge – the “science” – is crucial to delivering the technically accurate advice to clients. But the best advice in the world is meaningless if the financial advisor can’t master the “art” of delivering it in a skillful manner – leading a client to actually take action and improve their financial well-being. Yet despite its label as “art”, the reality is that how best to deliver financial advice advice can itself be subjected to scientific scrutiny. Which is beginning to happen, with the emergence of several “financial counseling laboratories” in educational institutions across the country.

Derek is the founder of Conscious Capital, a fee-only boutique wealth management firm that specializes in socially conscious investing. In addition to helping their clients manage their investments in a manner that is consistent with their values, they also provide comprehensive financial planning to help their clients grow and protect their hard-earned wealth.

Derek holds a BS in Finance and an MFCS in Family Financial Planning from Iowa State University. He is currently pursuing his Ph.D. in Personal Financial Planning through Kansas State University. Tharp has been quoted in several financial publications including The Wall Street Journal, The New York Times, Investment Advisor Magazine, Investor’s Business Daily, and InvestmentNews. Derek is also a co-author of a chapter in the textbook Financial Therapy: Theory, Research, and Practice.

To learn more about Derek Tharp visit:

http://www.xyplanningnetwork.com/advisors/derek-tharp-mfcs-cfp/

Personal Finance Cheat Sheet Article:

http://www.cheatsheet.com/personal-finance/how-schools-can-improve-their-personal-finance-education.html/

Financial Advisor Magazine Articles:

http://www.fa-mag.com/news/advisors-stay-the-course-amid-monday-s-market-drop-22864.html?section=3 

http://www.fa-mag.com/news/on-it-s-80th-anniversaryadvisors-consider-social-security-s-impactfuture-22784.html?section=3

You can listen live by going to www.kpft.org and clicking on the HD3 tab.
You can also listen to this episode and others by podcast at:

http://directory.libsyn.com/shows/view/id/moneymatters

or

www.moneymatterspodcast.com

#KPFTHOUSTON
#derektharp

Direct download: 166.mp3
Category:Financial Literacy -- posted at: 7:46am PDT
Comments[0]

Money issues are 1 of the top 3 reasons couples get divorced in the United Sates, based on a recent survey by the Institute for Divorce Financial Analysts.

Laurence J. Kotlikoff is a William Fairfield Warren Professor at Boston University, a Professor of Economics at Boston University, a Fellow of the American Academy of Arts and Sciences, a Fellow of the Econometric Society, a Research Associate of the National Bureau of Economic Research, Head of International Department for Fiscal Sustainability Studies, the Gaidar Institute, President of Economic Security Planning, Inc., a company specializing in financial planning software, and the Director of the Fiscal Analysis Center. Professor Kotlikoff is a NY Times Best Selling author and an active columnist. His columns and blogs have appeared in The New York Times, The Wall Street Journal, The Financial Times, the Boston Globe, Bloomberg, Forbes, Vox, The Economist, Yahoo.com, Huffington Post and other major publications. In addition, he is a frequent guest on major television and radio stations. In 2014, he was named by The Economist as one of the world's 25 most influential economists. In 2015 he was name one of the 50 most influential people in Aging by Next Avenue.

Professor Kotlikoff is author or co-author of 19 books and hundreds of professional journal articles. His most recent book, Get What's Yours -- the Secrets of Maxing Out Your Social Security Benefits is a runaway New York Times Best Seller. His other recent books are The Clash of Generations , The Economic Consequences of the Vickers Commission , Jimmy Stewart Is Dead , Spend ‘Til the End, The Healthcare Fix , The Coming Generational Storm , and Generational Policy . Through his company, Professor Kotlikoff has designed the nation's top-ranked personal financial planning software and Social Security lifetime benefit maximization software.

 

To learn more about Laurence Kotlikoff visit:

https://www.kotlikoff.net/

Personal Finance Cheat Sheet Article:

http://www.cheatsheet.com/personal-finance/how-schools-can-improve-their-personal-finance-education.html/

Financial Advisor Magazine Articles:

http://www.fa-mag.com/news/advisors-stay-the-course-amid-monday-s-market-drop-22864.html?section=3 

http://www.fa-mag.com/news/on-it-s-80th-anniversaryadvisors-consider-social-security-s-impactfuture-22784.html?section=3

You can listen live by going to www.kpft.org and clicking on the HD3 tab.
You can also listen to this episode and others by podcast at:

http://directory.libsyn.com/shows/view/id/moneymatters

or

www.moneymatterspodcast.com

#KPFTHOUSTON
#KOTLIKOFF

Direct download: 165_1.mp3
Category:Financial Literacy -- posted at: 9:21am PDT
Comments[0]