Latest Ontime Podcast Episodes
Ep 61 Interview with Matthew Torres
On Time On Target - December 05, 2020 16:21 - 27 minutes ★★★★★ - 17 ratingsIn this video, Steve interviews Matthew Torres, an investor, entrepreneur and also Junior at Round Rock High School. Matthew is mature beyond his years and offers advice on how there's "always time" for things you prioritize, how to start a business with no money down and how to balance his inve...
Ep 60 What to do with SUDDENLY inherited money
On Time On Target - November 01, 2020 13:16 - 15 minutes ★★★★★ - 17 ratingsReceiving an unexpected sum of money is a good problem from a financial perspective. But what to do with it needs to be carefully thought through! Listen in for my advice. #investing #inheritedIRA #inheritance www.ototnow.com
Ep 59 Data is the New Oil! What does this mean to investors?
On Time On Target - October 01, 2020 01:54 - 22 minutes ★★★★★ - 17 ratingsPalantir (PLTR) and Asana (ASAN) both started trading today. In this episode, Steve takes a deeper look at the "Data is the New Oil" investment thesis and talks about the transition from reliance on oil to electric vehicles to the current dependence on data. Listen in to learn how to invest in...
Ep 58 Retirement: How do if I know if I am on track?
On Time On Target - September 25, 2020 22:43 - 14 minutes ★★★★★ - 17 ratingsIn this episode, Steve explains how you can figure out if you are on track for retirement. Everyone's scenario is different, but Steve describes how you can take your exact situation and figure out if you are "on time on target!" #otot ototnow.com
Ep 57 Will the Stock Market Crash going into the US Election? - A Commentary to Clients
On Time On Target - September 24, 2020 10:15 - 22 minutes ★★★★★ - 17 ratingsIn this episode, Steve breaks down the recent selloff in the stock market as it relates to the US election in November. There is a slide deck that goes with this audio that can be found at the On Time On Target YouTube channel: https://youtu.be/RodJy8RmwTw
Ep 56 What is the difference between DEBT and LEVERAGE?
On Time On Target - September 15, 2020 20:23 - 12 minutes ★★★★★ - 17 ratingsIn this episode, Steve explains the difference between debt and leverage. This answer speaks directly to the question Steve commonly gets "Should I put more money into my house or the market." Once you understand the difference, then you'll know which move is best for you. #otot ototnow.com
Ep 55 How to invest in an IPO
On Time On Target - September 14, 2020 17:28 - 12 minutes ★★★★★ - 17 ratingsIn this episode, Steve describes how investors can invest in Initial Public Offerings (IPOs). Steve explains how to apply for shares and what to do if you do not get them, using the Facebook IPO as an example.
Ep 54 What is a stock issuance as well as a stock buyback?
On Time On Target - September 02, 2020 04:57 - 7 minutes ★★★★★ - 17 ratingsIn this episode, Steve explains the implications of companies that choose to issue more stock to their existing share count. Also, he discusses how stock buybacks do the same thing in reverse. Listen in to discover how this affects you when these actions occur. #otot ototnow.com
Ep 53 How do I put money into and take money out of my brokerage account?
On Time On Target - August 31, 2020 21:10 - 13 minutes ★★★★★ - 17 ratingsIn this episode, Steve clears up some common misconceptions about putting money into and pulling money out of your brokerage accounts. You can even use a debit card against your taxable account as well as write checks from your account, all for free of course. Reach out to [email protected] for...
Ep 52 Why and how to invest in a 529 college savings plan?
On Time On Target - August 28, 2020 00:02 - 15 minutes ★★★★★ - 17 ratingsIn this episode, Steve explains why and how to invest in a 529 college savings plan. The 529 plan offers higher limits than the Coverdell ESA, so it is generally the preferred method of saving for college. Steve also explains super-funding the 529 and building a dynasty 529. #otot ototnow.com
Ep 51 Why choose a Coverdell ESA over a 529?
On Time On Target - August 26, 2020 19:45 - 10 minutes ★★★★★ - 17 ratingsIn this episode, Steve explains both the advantages and disadvantages of using a Coverdell Education Savings Account to save and invest for college. The next episode will cover 529 plans. #otot ototnow.com
Ep 50 When should I sell a stock?
On Time On Target - August 25, 2020 20:28 - 12 minutes ★★★★★ - 17 ratingsIn this episode, Steve explains the various scenarios in which you should sell some or all of your position in a stock. While there is only one reason to buy--to make money--there are several reasons to sell. Listen in to find out! #otot ototnow.com
Ep 49 How to Invest in Real Estate in your IRA or Brokerage Account
On Time On Target - August 21, 2020 23:16 - 13 minutes ★★★★★ - 17 ratingsIn this episode, Steve shows you how you can invest in real estate in your IRA or brokerage account. He presents two options for your consideration--real estate investment trusts and self-directed IRAs. These investments can be a lot more hands off than the hassles of physical real estate. #oto...
Ep 48 Bitcoin as an investment? Everything you ever wanted to know!
On Time On Target - August 21, 2020 04:36 - 1 hour ★★★★★ - 17 ratingsBitcoin is here to stay. I've been dismissive of it as an investment, but now that it's been around for years, I have to give it another look. I'm honored to host my expert guest, Mike Pozmantier, as he takes us through a comprehensive journey of Bitcoin from its earliest days to where it is le...
Ep 47 What is the difference between trading and investing?
On Time On Target - August 19, 2020 20:00 - 10 minutes ★★★★★ - 17 ratingsIn this episode, Steve explains the difference between trading and investing. These are two very different objectives, so be sure to listen in and to keep your risk levels on target! #otot ototnow.com
Ep 46 How to rollover a 401k/TSP
On Time On Target - August 18, 2020 20:00 - 10 minutes ★★★★★ - 17 ratingsIn this episode, Steve explains the process of rolling over a 401k/TSP into your individual retirement accounts (IRAs). With many steps, this can become quite tricky, so be sure to listen in! #otot ototnow.com
Ep 45 How to set up a SEP IRA
On Time On Target - August 17, 2020 20:00 - 13 minutes ★★★★★ - 17 ratingsEntrepreneurs! Retirement accounts such as 401Ks are vital to saving for retirement, but what can you do if you are self-employed? In this episode, Steve explains how to set up and fund a Simplified Employee Pension (SEP) IRA, which small business owners can use to fund their retirements. This p...
Ep 44 Should I refinance my house?
On Time On Target - August 13, 2020 20:00 - 14 minutes ★★★★★ - 17 ratingsWith interest rates at their lowest point in recent years, many homeowners are looking into refinancing their home. In this episode, Steve explains the major factors that affect whether or not a refinance is good for the homeowner, so be sure to listen in! #otot ototnow.com
Ep 43 How does a stock split affect a stock?
On Time On Target - August 12, 2020 20:00 - 12 minutes ★★★★★ - 17 ratingsI'll trade you a $20 bill for four $5 bills! In this episode, Steve explains how a stock split is nothing more than an accounting change, which consequently is often good for a stock in the long term. While not overly confusing, stock splits have many common misconceptions, so make sure to tune...
Ep 42 How to add a speculative position to your portfolio
On Time On Target - August 11, 2020 20:00 - 12 minutes ★★★★★ - 17 ratingsSpeculative investing can be fun and lucrative, or it can be disastrous if you don't do it correctly. In this episode, Steve explains the role of speculative positions in your portfolio and how to add them. Since these positions have a high degree of risk, make sure to tune in to ensure you're k...
Ep 41 How to research individual stocks
On Time On Target - August 10, 2020 20:00 - 17 minutes ★★★★★ - 17 ratingsIn this episode, Steve explains five simple steps to research individual stock names and then discusses how to analyze both fundamental and technical indicators in making your selection. Last, Steve talks to determining your entry price. Listen in to make your analysis more effective! #otot oto...
Ep 40 What options do I have for my 401k/TSP?
On Time On Target - August 07, 2020 19:00 - 12 minutes ★★★★★ - 17 ratingsIn this episode, Steve explains the options you have for your employer savings plans once you stop working for a company. Rolling over a 401K, 403B, or TSP can be tricky, so make sure to listen in! #otot ototnow.com
Ep 39 Should gold be in my portfolio?
On Time On Target - August 06, 2020 19:00 - 10 minutes ★★★★★ - 17 ratingsIn this episode, Steve answers whether or not to hold gold in your portfolio. Typically, there are three schools of thought on gold--never own it, always own it, or trade it. With markets heading into a contentious election soon, should you include gold in your portfolio? Listen to find out! #ot...
Ep 38 Finances for military and veterans -- What is different?
On Time On Target - August 04, 2020 12:39 - 25 minutes ★★★★★ - 17 ratingsIn this episode, Steve details the advantages that current and former military members have as far as retirement. He details the retirement, health care and insurance opportunities. Also, Steve provides four resources for veterans looking for more information. #otot #veterans ototnow.com
Ep 37 How do bonds work?
On Time On Target - August 01, 2020 01:51 - 21 minutes ★★★★★ - 17 ratingsCAUTION: Bond math causes headaches! With the election approaching, you might consider adding or increasing exposure to bonds in your portfolio. This episode explains the basics of a bond ladder, how bond ladders work, and why bond prices don't matter as much as bond values. #otot #bonds #bondla...
Ep 36 How to educate your children on investing
On Time On Target - July 30, 2020 17:10 - 21 minutes ★★★★★ - 17 ratingsIn this video, Steve teaches parents how to introduce investing to their kids as well as help their kids form their own relationship with money. Also, Steve details how to get your children set up with custodial accounts and how to get then started on their IRAs once they have earned income.
Ep 35 Entrepreneurship Interview with Mike Armstrong, The Wolf of Wales
On Time On Target - July 29, 2020 12:03 - 38 minutes ★★★★★ - 17 ratingsListen to Steve's interview by Mike Armstrong, The Wolf of Wales! Mike and Steve talk about the importance of small business owners and entrepreneurs to be able to pivot under unpredictable events like the lockdown caused by COVID-19.
Ep 34 What is the Morning Brief?
On Time On Target - July 28, 2020 03:04 - 18 minutes ★★★★★ - 17 ratingsWant to be part of an investment forum where you can bounce your ideas off of a professional investor! Thats exactly what Steve offers in his daily "Morning Brief!" Join Steve in this webinar format Zoom call for FREE for the rest of July! Listen to the end for the Webinar ID and Password! More ...
Ep 33 Why is earnings season so important?
On Time On Target - July 27, 2020 19:30 - 17 minutes ★★★★★ - 17 ratingsIn this episode, Steve explains that earnings reports are comprised of two backward looking components--revenue and earnings--as well as two forward-looking components--forward guidance and the conference call. The stock price can move significantly up or down based on this report.
Ep 32: How to reduce financial stress by strengthening your relationship with money
On Time On Target - July 26, 2020 21:05 - 17 minutes ★★★★★ - 17 ratingsIn this episode, Steve walks you through the difference between money and wealth. Everyone has a different relationship with money and finances are the leading cause of stress in a marriage largely due to one spouse having a different relationship with money than the other spouse. Follow along t...
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