Episodes

These days, not only are we experiencing record low interest rates, we are also seeing home prices that are constantly on the rise. And this has created a perfect storm for people wanting to refinance their mortgage – for a number of reasons. Although it is obvious to mortgage professionals the reasons why you might … Continue reading [Bonus Episode] Office Hours: The Advantages (and Disadvantages) of Refinancing Your Home’s Mortgage → Mentioned in this episode: Capital Area Tax Consultants - w...

Recently, you too may have experienced the feeling that everyone else but you has a beach house. And you may be wondering how it’s possible that the people you know can afford to purchase a beach house while they’re still paying off the mortgage on the house they live in currently. On this episode of … Continue reading [Bonus Episode] Office Hours: The Difference Between Borrowing to Buy a Primary Residence vs a Second Home → Mentioned in this episode: Capital Area Tax Consultants - www.capgllc...

Typically, when a person is applying for a new loan, they will be asked to provide statements from any bank accounts or investments as a means to show the lender where their down payment will come from when it’s time to close on the loan. And although it may seem simple that a person may … Continue reading [Bonus Episode] Office Hours: Using Gift Funds from a relative to Help Qualify for a Mortgage → Mentioned in this episode: Capital Area Tax Consultants - www.capgllc.com Capital Area Tax Con...

With some folks still looking to get out of city centers and move into single family homes with more space to stretch out, it’s not uncommon to need to carry two mortgages for a short time while moving from the old house to the new one, then getting the old house sold to pay off … Continue reading [Bonus Episode] Office Hours: What Happens When You Need to Buy a New House Before You Can Sell the One You’re Living In? → Mentioned in this episode: Capital Area Tax Consultants - www.capgllc.com C...

A non-traditional mortgage is defined as any mortgage that does not qualify as standard or conventional, or conform to a standard amortization schedule. Such as an adjustable rate mortgage, an interest only mortgage, a balloon payment, etc. And although these loans typically have higher interest rates to reflect the additional risks for the lender, they … Continue reading [Bonus Episode] Office Hours: What are Non-Traditional Mortgages and Who are They a Good Fit For? → Mentioned in this episode...

In this competitive market, buyers are having to be flexible in what they want and are willing to accept in their new homes. That house with the worn floors or dated bathroom that may have been a disqualifier in years past is now receiving multiple competing offers from buyers looking to escape the city center … Continue reading [Bonus Episode] Office Hours: Can You Include Cash for Renovations Into Your Loan if You’re Buying a Fixer Upper? → Mentioned in this episode: Capital Area Tax Consulta...

As a small business owner, it can be challenging to prove to a lender that you are a safe enough credit risk to lend hundreds of thousands of dollars to. However, that is not to say it is impossible. For most small business owners, the mortgage process just comes down to properly establishing yourself on … Continue reading [Bonus Episode] Office Hours: Can I Qualify for a New Mortgage as a Small Business Owner? → Mentioned in this episode: Capital Area Tax Consultants - www.capgllc.com Capital...

In a sales role, you are responsible for your own success. You get the opportunity to make your own schedule, meet interesting people and travel to new places. However, a role in sales might not always be easy. In this episode, Malcolm Ethridge is joined by Ryan Jones, enterprise sales director for Microsoft, as they … Continue reading 25. Untapped Career Opportunities in Technical Sales with Ryan Jones → Mentioned in this episode: Capital Area Tax Consultants - www.capgllc.com Capital Area Ta...

When you think of the founder of a tech company, your mind tends to immediately picture an engineer in a hoodie hunched over a laptop coding into the wee hours of the night. But for the founders of some of the largest tech companies that you know and love, this isn’t the case. It is … Continue reading 24. Founding a Tech Company with a Background as a Marketer with Hassan Riggs → Learn more about your ad choices. Visit megaphone.fm/adchoices

According to a study by Rutgers Institute, 24% of male employees hold employer stock options while only 17% of female employees do. Looking at it from a dollars and cents perspective, in 2018, the average value of a stock option for a male employee was $104,902 compared to $26,361 for a woman. These staggering numbers … Continue reading 23. The Gender Pay Gap Around Equity Compensation with Brooke Harley → Mentioned in this episode: Capital Area Tax Consultants - www.capgllc.com Capital Area T...

We have been at this podcast for a while now, and are constantly bringing you new topics that relate to your personal finances. With that, comes a lot of listener questions; we are sure that there are lots of people who are questioning the same things. We encourage you to send in your questions and … Continue reading 22. Answering Your Questions → Mentioned in this episode: Capital Area Tax Consultants - www.capgllc.com Capital Area Tax Consultants - www.capgllc.com Learn more about your ad c...

There are ways that you can access the value of your concentrated stock positions and avoid the huge tax bill. In this episode, Malcolm Ethridge sits down with Anthony LoBalbo, regional manager with Schwab Bank, as they discuss the securities backed line of credit. Malcolm and Anthony discuss how it works and how you could … Continue reading 21. Accessing the Value of Your Concentrated Stock Position with Anthony LoBalbo → Mentioned in this episode: Capital Area Tax Consultants - www.capgllc.co...

Taxes are something that we will never be able to fully avoid, so it is imperative that we understand how they are going to impact all aspects of our finances, and prepare to manage them to pay as little as possible. In this episode, Malcolm Ethridge is joined by Megan Gorman, founder and managing partner … Continue reading 20. Managing the Tax Implications of Your Employer Stock and Options with Megan Gorman → Mentioned in this episode: Capital Area Tax Consultants - www.capgllc.com Capital A...

Oftentimes, there is a significant gap between the information that companies who offer stock based comp to their employees think they are providing versus the amount of information those employees feel that they receive. And this information gap can make it hard to know which end is up. In this episode, Malcolm Ethridge is joined … Continue reading 19. Financial Planning Rules that Everyone With Employer Stock & Options Need to Know with Bruce Brumberg → Learn more about your ad choices. Visit...

Your equity compensation can have an outsized impact on your overall portfolio, so it is key to set your strategy ahead of time and find tools that will help you stick to your plan to diversify. In this episode, Malcolm Ethridge sits down with Bill Dillhoefer, CEO of Net Worth Strategies Inc, as they discuss … Continue reading 18. The Importance of Diversification When Managing Your Employer Stock & Options with Bill Dillhoefer → Mentioned in this episode: Capital Area Tax Consultants - www.cap...

Navigating the world of equity compensation can be intimidating, but it doesn’t have to. As a participant in an equity compensation plan, a good place to start is by getting acquainted with your plan document and its various terms and conditions. In this episode, Malcolm Ethridge is joined by Amy Reback, head of Charles Schwab … Continue reading 17. The Basics of Equity Compensation with Amy Reback → Mentioned in this episode: Capital Area Tax Consultants - www.capgllc.com Capital Area Tax Con...

Have you ever wondered why you make the financial decisions you make? Or what has influenced your relationship with money? In this episode, Malcolm Ethridge is joined by Dr. Preston Cherry, president elect of the Financial Therapy Association and founder of Concurrent Financial planning , as they unpack the key differences between financial therapy and … Continue reading 16. Financial Therapy vs Financial Planning with guest Dr. Preston Cherry → Mentioned in this episode: Capital Area Tax Consu...

The COVID-19 Pandemic has had a lot of impacts on how people interact with their money. Will these changes stick around forever? In this episode, Malcolm Ethridge is joined with Liz Weston, personal finance expert and senior writer for NerdWallet, as they talk about some of the major influences the COVID-19 pandemic has had on … Continue reading 15. Trends in Personal Finance Brought on by the COVID-19 Pandemic with Liz Weston → Mentioned in this episode: Capital Area Tax Consultants - www.capg...

What else exists that you could be investing your dollars into, other than traditional investments? How about a franchise, real-estate or even cryptocurrency? In this episode, Malcolm Ethridge is joined by Patrick Hagen, national director of business development with Strata Trust. The duo discuss alternative investments through self-directed IRAs along with the advantages of using … Continue reading 14. Investing in Alternative Assets Through Self-Directed IRAs with Patrick Hagen → Mentioned in ...

Did you know that 70% of families lose their wealth by the second generation, and 90% lose wealth by the third? There are actionable steps you could be taking to avoid this from happening. In this episode, Malcolm Ethridge sits down with Elsa W. Smith, founder of the Law Offices of Elsa W. Smith, as … Continue reading 13. Building Generational Wealth Through Proper Estate Planning with Elsa W. Smith → Learn more about your ad choices. Visit megaphone.fm/adchoices

When it comes to your 401(k) plan, you want to keep your hands off for as long as possible. The longer those funds can compound and grow, the better. In this episode, Malcolm Ethridge speaks about his recent blog that left a few people uneasy about the message he was getting across. Malcolm discusses why … Continue reading 12. Your 401(k) Is Not Your Piggy Bank with Malcolm Ethridge → Learn more about your ad choices. Visit megaphone.fm/adchoices

The world of franchising includes more than just fast food In this episode, Malcolm Ethridge is joined by Boynton Weekes, a franchise business consultant with FranNet. Malcolm and Boynton take a deep dive into all things franchising, from selecting the right concept, how to finance it, and how much time it really takes to own … Continue reading 11. Turning to Franchising as a Second Act with Boynton Weekes → Learn more about your ad choices. Visit megaphone.fm/adchoices

Have you ever been curious what a basketball star does once they have left the game? In this episode, Malcolm Ethridge is joined by WNBA champion Alana Beard. Listen in as they discuss Alana’s journey to professional basketball and her recent pivot into Venture Capital. Alana shares which parts of her own personal journey have … Continue reading 10. From Basketball Superstar to Venture Capital Rookie with Alana Beard → Mentioned in this episode: Capital Area Tax Consultants - www.capgllc.com C...

When it comes to charitable giving, there’s more to it than simply writing a check to a few non-profit organizations near the end of the year and claiming a tax deduction. In this episode, Malcolm Ethridge is joined by Mary Jovanovich, senior relationship manager with Schwab Charitable, as they dive into the Mentioned in this episode: Capital Area Tax Consultants - www.capgllc.com Capital Area Tax Consultants - www.capgllc.com Learn more about your ad choices. Visit megaphone.fm/adchoices