Yes, this is still here, and it will be for a while to serve as a reminder that there's a new place for Jill on Money content - YouTube!  Seems like a no-brainer, but sometimes it takes a little outside help (h/t to JOM friend, Joe A!) to recognize the obvious.  So don't freak out.  Going forward, we're going to put all our radio and podcast content on YouTube! It'll be easier for you to navigate and listen to past shows, because everything will be in one place.  Just click any of the links below and you'll be able to listen to this week's show as well as anything else you see that might interest you, including all the Better Off podcast content if you haven't been listening. Let us know what you think by emailing us at askjill@jillonmoney.com.

CLICK HERE FOR LATEST SHOW ON YOUTUBE

Oct 21 Download Hour One Here

Imagine this...you're in your 30s and a parent and grandparent just recently passed away.  One is bad enough, but  two losses seems unbearable. Now imagine that in the mourning process, you inherit over two million dollars! That's what happened to Jessica, our first caller this week. And as if she needs more to juggle, you can throw in the fact that Jessica is pregnant with her second child and she and her husband are selling their house and getting ready to move to another state.  It's a ton to process, hence the call to us.  Thankfully, Jessica has a good head on her shoulders.

CLICK HERE FOR LATEST SHOW ON YOUTUBE

Oct 21 Download Hour Two Here

Ask some Wall Street veterans where they were on October 19, 1987 and they will likely regale you with details of any crisis. My life changed that day in ways that often creep up on me. Indeed, Black Monday was the single worst day in Wall Street history, with the Dow Jones Industrial Average plunging by more than 22 percent in one session--that’s the equivalent of the blue chip index diving by more than 5,000 points today.

It was a “First Class Catastrophe”, according to our first class guest and storyteller supreme, Diana Henriques, who dropped by the studio to help us retrace the events that led up to that day.

Diana joined us on the show earlier this year when her book, The Wizard of Lies: Bernie Madoff and the Death of Trust, was made into an HBO movie. This time around Diana is joining us to discuss her latest book, A First-Class Catastrophe: The Road to Black Monday, the Worst Day in Wall Street History.  As Diana recounts, Black Monday was more than seven years in the making and threatened nearly every U.S. financial institution.

There were missed opportunities, market delusions, and destructive actions that stretched from the “silver crisis” of 1980 to turf battles in Washington and a rivalry between the New York Stock Exchange and the Chicago Mercantile Exchange.

Here’s the crazy thing...you’d think that after Black Monday, lessons would be learned. But in her analysis, Henriques demonstrates how that Monday in the fall of 1987 was the predicate to the financial crisis of 2008. Sadly, investors, regulators, and bankers failed to heed the lessons of 1987, even as the same patterns resurfaced.

This was a fascinating interview for me because I lived through this period. I had just started my career on Wall Street, as the chaos was unfolding. I watched firsthand as my father nearly lost his business.  This chat was like going down memory lane and it’ll give you guys a good glimpse of the life I used to live before I started hosting podcasts and radio shows!

Thanks to everyone who participated this week, especially Mark, the Best Producer/Music Curator in the World. Here's how to contact us:

• Call 855-411-JILL and we'll schedule time to get you on the show LIVE 

• Send an email: askjill@jillonmoney.com 

• Tweet us: @jillonmoney and @MTalercio

Ask some Wall Street veterans where they were on October 19, 1987 and they will likely regale you with details of any crisis. My life changed that day in ways that often creep up on me. Indeed, Black Monday was the single worst day in Wall Street history, with the Dow Jones Industrial Average plunging by more than 22 percent in one session--that’s the equivalent of the blue chip index diving by more than 5,000 points today.

It was a “First Class Catastrophe”, according to our first class guest and storyteller supreme, Diana Henriques, who dropped by the studio to help us retrace the events that led up to that day.

Diana joined us on the podcast earlier this year when her book, The Wizard of Lies: Bernie Madoff and the Death of Trust, was made into an HBO movie. This time around Diana is joining us to discuss her latest book, A First-Class Catastrophe: The Road to Black Monday, the Worst Day in Wall Street History. As Diana recounts, Black Monday was more than seven years in the making and threatened nearly every U.S. financial institution.

There were missed opportunities, market delusions, and destructive actions that stretched from the “silver crisis” of 1980 to turf battles in Washington and a rivalry between the New York Stock Exchange and the Chicago Mercantile Exchange.

Here’s the crazy thing...you’d think that after Black Monday, lessons would be learned. But in her analysis, Henriques demonstrates how that Monday in the fall of 1987 was the predicate to the financial crisis of 2008. Sadly, investors, regulators, and bankers failed to heed the lessons of 1987, even as the same patterns resurfaced.

This was a fascinating interview for me because I lived through this period. I had just started my career on Wall Street, as the chaos was unfolding. I watched firsthand as my father nearly lost his business. This chat was like going down memory lane and it’ll give you guys a good glimpse of the life I used to live before I started hosting podcasts and radio shows!

“Better Off” is sponsored by Betterment.

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Yes, this is still here, and it will be for a while to serve as a reminder that there's a new place for Jill on Money content - YouTube!  Seems like a no-brainer, but sometimes it takes a little outside help (h/t to JOM friend, Joe A!) to recognize the obvious.  So don't freak out.  Going forward, we're going to put all our radio and podcast content on YouTube! It'll be easier for you to navigate and listen to past shows, because everything will be in one place.  Just click any of the links below and you'll be able to listen to this week's show as well as anything else you see that might interest you, including all the Better Off podcast content if you haven't been listening. Let us know what you think by emailing us at askjill@jillonmoney.com.

CLICK HERE FOR LATEST SHOW ON YOUTUBE

Oct 14 Download Hour One Here

Maybe I'm stating the obvious here, but life doesn't always unfold the way we want or think it will.  Things come up, and more often than not it's health related, just like with our first caller this week, Daniel from Atlanta. Daniel, a federal employee, was rolling right along until he was diagnosed with Parkinson's and eventually had to retire.  Now he's tasked with making his money last a lot longer than he was anticipating and wants to make sure his asset allocation is in good shape.  Here's a tease: it wasn't!

CLICK HERE FOR LATEST SHOW ON YOUTUBE

Oct 14 Download Hour Two Here

We recently covered why Wall Street matters, on the show featuring Bill Cohan.

In hour two we’re doing a 180 with financial journalist and author Rana Foroohar. Rana’s book, "Maker and Takers: How Wall Street Destroyed Main Street", doesn’t exactly paint our economic system in the best light.

Rana explores how the misguided financial practices and philosophies that nearly toppled the global financial system have infiltrated many US businesses and discusses how the “financialization of America,” the trend by which finance and its way of thinking have come to reign supreme, is perpetuating Wall Street’s reign over Main Street. The ultimate result? A widening of the gap between rich and poor, which Rana argues, threatens the future of the American Dream. It's not all doom and gloom, because Rana lays out how we can reverse these trends and find a better path forward.

And since it’s not everyday that we have a Financial Times columnist in the studio, we also talked a good bit about the global economy, including Germany, Brexit, and China.

Thanks to everyone who participated this week, especially Mark, the Best Producer/Music Curator in the World. Here's how to contact us:

• Call 855-411-JILL and we'll schedule time to get you on the show LIVE 

• Send an email: askjill@jillonmoney.com 

• Tweet us: @jillonmoney and @MTalercio

Yes, this is still here, and it will be for a while longer to serve as a reminder that there's a new place for Jill on Money content - YouTube!  Seems like a no-brainer, but sometimes it takes a little outside help (h/t to JOM friend, Joe A!) to recognize the obvious.  So don't freak out.  Going forward, we're going to put all our radio and podcast content on YouTube! It'll be easier for you to navigate and listen to past shows, because everything will be in one place.  Just click any of the links below and you'll be able to listen to this week's show as well as anything else you see that might interest you, including all the Better Off podcast content if you haven't been listening. Let us know what you think by emailing us at askjill@jillonmoney.com.

CLICK HERE FOR LATEST SHOW ON YOUTUBE

Oct 7 Download Hour One Here

What happens when you're in your 40s, not a millionaire, and already retired? Well, you start to wonder if you retired too early, and that's exactly the case with our first caller this week, Lisa, from Michigan.  A retired cop, Lisa didn't really start socking away money until she was in her 30s...but let me tell you, she must've been cranking the past few years, because she's actually in pretty good shape.  Will she ever have to work another day in her life? You'll have to tune in for the verdict!

CLICK HERE FOR LATEST SHOW ON YOUTUBE

Oct 7 Download Hour Two Here

Hour two this week is an example of my geekiness.

I love math and statistics...but I am nothing compared to the brilliant Cathy O’Neil. I have been a fan girl of Cathy’s since discovering her blog, mathbabe.org and then hearing her on the Slate Money podcast. Cathy, whose New York Times bestselling book Weapons of Math Destruction: How Big Data Increases Inequality and Threatens Democracy is now out in paperback, is the ultimate math geek, but more importantly, she is one of the most thoughtful intellectuals that I have encountered.

Cathy’s resume is impressive: a Ph.D. in math from Harvard, a postdoc at the MIT math department, a professor at Barnard College, where she published a number of research papers in arithmetic algebraic geometry and then a short-lived stint on Wall Street, before she launched her consulting firm, ORCAA.

When I heard Cathy explain complicated topics and then read the hardcover edition of the book last year, I knew we had to have her on the show. It’s such a fascinating read about how big data can be manipulated, infiltrate various parts of our lives and magnify the underlying inequality that exists in our economy. From how teachers are measured to how policing strategies are developed to credit scores and health insurance...it’s going to blow your mind when you hear how algorithms (mathematical models), dictate so much of our day-to-day experiences.

But what happens when these models are opaque, unregulated and incontestable? Unfortunately, the already unlucky and struggling among us, get the short end of the stick. What can individuals do about these unproven mathematical equations? As you’ll hear Cathy explain, it starts by asking some basic questions.

Thanks to everyone who participated this week, especially Mark, the Best Producer/Music Curator in the World. Here's how to contact us:

• Call 855-411-JILL and we'll schedule time to get you on the show LIVE 

• Send an email: askjill@jillonmoney.com 

• Tweet us: @jillonmoney and @MTalercio

Yes, this is still here, and it will be for a while longer to serve as a reminder that there's a new place for Jill on Money content - YouTube!  Seems like a no-brainer, but sometimes it takes a little outside help (h/t to JOM friend, Joe A!) to recognize the obvious.  So don't freak out.  Going forward, we're going to put all our radio and podcast content on YouTube! It'll be easier for you to navigate and listen to past shows, because everything will be in one place.  Just click any of the links below and you'll be able to listen to this week's show as well as anything else you see that might interest you, including all the Better Off podcast content if you haven't been listening. Let us know what you think by emailing us at askjill@jillonmoney.com.

CLICK HERE FOR LATEST SHOW ON YOUTUBE

Sept 30 Download Hour One Here

I love when we get calls from young people who have their financial lives in order.  We started the show with James from Philadelphia who definitely falls into that category.  He and his wife are expecting their second child and they're also looking for a new house.  It's a lot of stuff happening at once and sometimes it can freak people out. James just needed some reassurance and guidance, which was easy to provide because he and his wife are doing a great job!

CLICK HERE FOR LATEST SHOW ON YOUTUBE

Sept 30 Download Hour Two Here

One of the goals of this program is to make the daunting seem doable. And there is no more daunting topic than college. From saving for it, selecting the right one and the heavy lifting of paying for it (whether out of pocket or through financial aid and student loans), the whole subject produces anxiety for students and their families.

But it doesn’t have to be that way, according to our guest Kelly Peeler, founder and CEO of NextGenVest, a free text message service to help students navigate the college selection and financial aid and student loan processes.

It’s the busy time of year for Kelly and her team, as October 1 marks the official start of FAFSA season. And that one single form is KEY. Can you believe that more than $2.7 billion dollars, yes billion with a B, of unclaimed financial aid money is left on the table every single year primarily because people don’t fill out the FAFSA form. That blows my mind.

By using NextGenVest, students and their families are connected with Money Mentors who will help coach them through the process and also provide key financial aid deadline reminders, form annotations, and on-demand help via text message to get more financial aid in high school and beyond. Mentors will also answer questions such as:

• How do I find scholarships I can actually apply to?
• Am I filling out the right FAFSA forms?
• Am I allowed to negotiate my college tuition?
• Is working during college a good idea?
• Can I still get scholarships even if I don’t have great grades?

Thanks to everyone who participated this week, especially Mark, the Best Producer/Music Curator in the World. Here's how to contact us:

• Call 855-411-JILL and we'll schedule time to get you on the show LIVE 

• Send an email: askjill@jillonmoney.com 

• Tweet us: @jillonmoney and @MTalercio

Yes, this is still here, and it will be for a while longer to serve as a reminder that there's a new place for Jill on Money content - YouTube!  Seems like a no-brainer, but sometimes it takes a little outside help (h/t to JOM friend, Joe A!) to recognize the obvious.  So don't freak out.  Going forward, we're going to put all our radio and podcast content on YouTube! It'll be easier for you to navigate and listen to past shows, because everything will be in one place.  Just click any of the links below and you'll be able to listen to this week's show as well as anything else you see that might interest you, including all the Better Off podcast content if you haven't been listening. Let us know what you think by emailing us at askjill@jillonmoney.com.

CLICK HERE FOR LATEST SHOW ON YOUTUBE

Sept 23 Download Hour One Here

How would you feel if you had a windfall of nearly a million dollars? Pretty darn good, right? That's what happened to Chris from Arizona.  But when you come into such a large chunk of change there are plenty of other things one must consider.  Namely taxes.  Uncle Sam always wants his cut, and more times than not, it's unavoidable.  But there are some ways in which the tax hit can be minimized and that's why Chris was calling.  He wants to keep as much of the windfall as possible for himself...can't say I blame him!

CLICK HERE FOR LATEST SHOW ON YOUTUBE

Sept 23 Download Hour Two Here

In light of the recent Equifax data breach we thought it was as good a time as ever to run a recent interview I did with identity theft expert Adam Levin, whose book Swiped: How to Protect Yourself in a World Full of Scammers, Phishers, and Identity Thieves, recently came out in paperback. We conducted the interview BEFORE Equifax, which is why we don't discuss it.

Adam is a consumer advocate with more than 30 years of experience and is a nationally recognized expert on security, privacy, identity theft, fraud, and personal finance. A former Director of the New Jersey Division of Consumer Affairs, Levin is Chairman and founder of IDT911 (IDentity Theft 911) and co-founder of Credit.com.

According to Adam, it’s best to assume the worst and learn how to protect your personal information, because creative and determined hackers are working hard to piece together snippets of information from a variety of sources in order to re-create your profile and use it to perpetrate fraud.

You need to guard your information, including Social Security Numbers, phone numbers, email and physical addresses, credit reports, medical records because thieves are trying to create a well-rounded dossier on who you are. But as you'll hear, there are steps that can be taken to minimize the damage.

This is scary stuff but I also think it's essential listening.  Like Adam says, it's when, not if, you will become a victim...a fact we have learned all too well with the Equifax data breach.

Thanks to everyone who participated this week, especially Mark, the Best Producer/Music Curator in the World. Here's how to contact us:

• Call 855-411-JILL and we'll schedule time to get you on the show LIVE 

• Send an email: askjill@jillonmoney.com 

• Tweet us: @jillonmoney and @MTalercio

Have you ever tried to correct an error on your credit report? If so, there is good news: the credit reporting industry is about to change dramatically. Earlier this year, the three main credit reporting agencies -- Equifax, Experian and Transunion -- agreed to a multi-phase settlement with the New York Attorney General. This fall, the agencies begin phase one of being more proactive in resolving disputes and changing the way they report on unpaid medical bills. To help untangle the new reform measures, we asked nationally-recognized credit expert John Ulzheimer to come back on the show to tell us what's going on.

• Download the podcast on iTunes
• Download the podcast on feedburner
• Download this week's show (MP3)

Formerly of FICO, Equifax and Credit.com, John is the only recognized credit expert who actually comes from the credit industry. He has served as a credit expert witness in more than 230 cases and has been qualified to testify in both Federal and State court on the topic of consumer credit.

As a reminder, the three main agencies report your information to the scoring companies. According to FICO, the company behind the most widely used credit score, the most important factors are:

• 35% Payment History
• 30% Total debt outstanding, which takes into account how many accounts you have and how close you are to your credit limit
• 15% Credit history
• 10% Credit Mix
• 10% Number of inquiries—specifically those generated when you are seeking to increase your borrowing, perhaps because you’re shopping for a mortgage, car loan, or student loan.

John also reminds us that identity theft is the NUMBER ONE white collar crime. Criminals are looking for your name, address, date of birth and social security number. With that information, they can wreak havoc on your financial life. To help defend yourself, John recommends the following steps:

1. Minimize broadcasting your personal information online
2. Check your credit report monthly
3. Sign up for free credit monitoring

Thanks to everyone who participated this week, especially Mark, the Best Producer/Music Curator in the World. Here's how to contact us:

• Call 855-411-JILL and we'll schedule time to get you on the show LIVE 

• Send an email: askjill@jillonmoney.com 

• Tweet us: @jillonmoney and @MTalercio

As the incidence of identity theft rises, our guest Adam Levin says “You’re going to get got,” so it’s best to assume the worst and learn how to protect your personal information. Adam is consumer advocate with more than 30 years of experience and is a nationally recognized expert on security, privacy, identity theft, fraud, and personal finance. A former Director of the New Jersey Division of Consumer Affairs, Levin is Chairman and founder of IDT911 (IDentity Theft 911) and co-founder of Credit.com.  In Adam’s new book “Swiped” he discusses the threats associated with identity theft.

• Download the podcast on iTunes
• Download the podcast on feedburner
• Download this week's show (MP3)

Here's the problem: Creative and determined hackers can piece together snippets of information from a variety of sources to re-create your profile and use it to undermine your credit score or learn when and where you’re on vacation, which leaves your house vulnerable to theft. That means that you need to guard your information, including Social Security Numbers, phone numbers, email and physical addresses, credit reports, medical records -- basically thieves are trying to create a well-rounded dossier on who you are!

Adam's "Three Ms" - Minimize your exposure (guard your information), Monitor your accounts (keep an eye on credit scroes, consider instant alerts from credit card companies and banks, as well as a credit freeze) and Manage the damage (there are sopecific steps to follow if your information is compromised) - are essential for every consumer

Common types of identity theft sources include credit card scams, data breaches, social media posts, healthcare fraud, and even "smart TVs. Adam also discussed tax theft and social media do’s and don’ts

Thanks to everyone who participated this week, especially Mark, the Best Producer in the World and the worst LinkedIn User. Here's how to contact us:

• Call 855-411-JILL and we'll schedule time to get you on the show LIVE 

• Send an email: askjill@jillonmoney.com 

• Tweet us: @jillonmoney and @MTalercio

The show may be called "Jill on Money", but listeners know that the man without the microphone - Mark - is the center of the action. This weekend, we help the best producer in the world with the asset allocation for his IRA rollover.

• Download the podcast on iTunes
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• Download this week's show (MP3)

It just so happens that David from Chicago is also seeking allocation advice, especially in light of Vanguard's shift on its target date funds. Here are two sample portfolio allocations to consider:

BALANCED

• 10% Money Market fund
• 30% Bond Index Fund
• 10% International Bond Index
• 30% Total Stock Market Index Fund
• 5% Small Cap Index Fund
• 10% International Stock Index Fund
• 5% Emerging Market Stock Index Fund

GROWTH

• 5% Money Market fund
• 20% Bond Index Fund
• 5% International Bond Index
• 35% Total Stock Market Index Fund
• 10% Small Cap Index Fund
• 15% International Stock Index Fund
• 10% Emerging Market Stock Index Fund

And this is the post about "Why We Are Lousy Investors"

Throughout the show we also discussed some estate questions and some tax issues.

Thanks to everyone who participated and to Mark, the BEST producer in the world. If you have a financial question, there are lots of ways to contact us:

• Call 855-411-JILL and we'll schedule time to get you on the show LIVE 

• Send an email: askjill@jillonmoney.com 

• Tweet us: @jillonmoney and @MTalercio

Another week, another announcement of identity theft. This time, it was Premera Health customers, next time, it could be you. Because of the seemingly endless number of incidents, we decided to re-air our interview with nationally recognized expert on credit reporting, credit scoring and identity theft, John Ulzheimer.

• Download the podcast on iTunes
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• Download this week's show (MP3)

Retirement investing can be tricky business, but George from MD is actually in great shape. He has a pension that more than covers his needs,  $100K in an annuity, $80K in his deferred compensation plan and now wants to find a home for an extra $90K that he has in cash. After funding Roth IRAs for him and his wife, we discuss how to allocate the remaining money.

Ron from KY has bounced around a few different brokerage firms and has come to a conclusion: maybe he should manage his own money and pay himself the investment management fee! To help, we came up with an easy-to-implement balanced portfolio:

• 10% Money Market fund
• 30% Bond Index Fund
• 10% International Bond Index
• 30% Total Stock Market Index Fund
• 5% Small Cap Index Fund
• 10% International Stock Index Fund
• 5% Emerging Market Stock Index Fund

Samantha asked at what level could one properly diversify a fixed income portion of a portfolio with individual bonds, while Eileen is selling her vacation home and wants to know how to account for the improvements she has made over the years. In general, you add the cost of improvements to your original cost, but here is a link to the IRS site to help out.

Thanks to everyone who participated and to Mark, the BEST producer in the world. If you have a financial question, there are lots of ways to contact us:

• Call 855-411-JILL and we'll schedule time to get you on the show LIVE 

• Send an email: askjill@jillonmoney.com 

• Tweet us: @jillonmoney and @MTalercio

Ah, the change of the clocks, the never-ending temptation of Halloween candy and the mind numbing exercise of choosing new benefits! It's that time of year -- open enrollment -- and we have special guest Paul Essner of The Signature Group to help wade through the choices.

• Download the podcast on iTunes
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• Download this week's show (MP3)

Paul raised an important issue, but luckily it's one that you can address. As the cost of insurance rises, many are not taking into account their specific health care situations and as a result, they are not choosing the most affordable health care option.

The solution is easy: you need to understand how you are using health care and project what the year ahead will look like to determine the best plan for you. (Hint: Some may be better off using high deductible plans, paired with Health Savings Accounts!) Paul also addressed some of the nuances of the Affordable Care Act and its impact on employers, as well as how some companies are rolling out new benefits that could be advantageous.

Karen is 61 years old and plans to retire next year. Her big question is whether she will be able to supplement her pension and Social Security, to the tune of about $20K per year. The answer is yes, with a caveat…

We helped Sally figure out whether or not to take an employer buyout and discussed how Barbara and her husband should pay for long-term care.

Thanks to everyone who participated and to Mark, the BEST producer in the world. Check out Mark's first-producing credit for this CBS Evening News segment that aired recently. If you have a financial question, there are lots of ways to contact us:

• Call 855-411-JILL and we'll schedule time to get you on the show LIVE 

• Send an email: askjill@jillonmoney.com 

• Tweet us: @jillonmoney and @MTalercio

Nationally recognized expert on credit reporting, credit scoring and identity theft John Ulzheimer joins us for a pre-holiday season credit boot camp! John is the President of The Ulzheimer Group, the Credit Expert at CreditSesame.com and the credit blogger for Mint.com. Formerly of FICO, Equifax and Credit.com, John is the only recognized credit expert who actually comes from the credit industry.

• Download the podcast on iTunes
• Download the podcast on feedburner
• Download this week's show (MP3)

John scared the you-know what out of us, as he discussed identity theft. Did you know that Phishing is out, but SPEAR-PHISHING is in? Bottom line: it's going to happen to you, so you better be smart about how you handle your information.

As we head into the holiday season, John offered tips about debit versus credit cards and rounds out our conversation with credit score basics. As a reminder, here's what determines your score:

• Payment History: 35%
• Total debt outstanding: 30%
• Credit History: 15%
• Inquiries (Hard): 10%
• Credit Mix: 10%

Here are links to John’s blogs:

• Mint.com
• CreditSesame.com
• CreditCardInsider.com

We had a great call from Mary in KY, who is contemplating retirement at the end of this year. Take a listen to hear how you might start thinking about your own retirement!

Thanks to Rita and Julie, who sent us lovely thank you notes and to Tucker, who gave us the opportunity to discuss having "THE TALK" with your aging parents. As a reminder, here is my updated post on "Estate Planning Checklists".

Thanks to everyone who participated and to Mark, the BEST producer in the world. Check out Mark's first-producing credit for this CBS Evening News segment that aired recently. If you have a financial question, there are lots of ways to contact us:

• Call 855-411-JILL and we'll schedule time to get you on the show LIVE 

• Send an email: askjill@jillonmoney.com 

• Tweet us: @jillonmoney and @MTalercio

Our guest MP Dunleavey recently wrote a great article in the New York Times called “Mars, Venus and the Handling of Money,” which discussed the way that men and women relate to money.

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• Download this week's show (MP3)

While it’s not exactly breaking news that the sexes tend to address money issues from different perspectives, what is new is that the financial service industry is waking up and trying to address the plain fact that men and women have distinctive financial needs. MP tells us what we need to know and helps bridge the gap between how men and women can best use tap the services offered by the big companies.

Man, woman...we love all of our callers! Doris is looking for a place to invest her $100,000 inheritance -- should she use an immediate annuity? Susan is not happy with the performance of her investment advisor and wonders whether she should move her relationship elsewhere and Tim is about to start his own business…what does he need to know? (Answer: A LOT!)

A shout-out  to Ben, who passed along a suggestion for a great website www.splitwise.com that helps roommates who are trying to allocate expenses.

Thanks to everyone who participated and to Mark, the BEST producer in the world. Let me know if you think we should provide Mark with a little space to vent his various grievances with you...we're considering calling it "Mark's Musings". If you have a financial question, there are lots of ways to contact us:

• Call 855-411-JILL and we'll schedule time to get you on the show LIVE 

• Send an email: askjill@jillonmoney.com 

• Tweet me: @jillonmoney

One of our favorite guests, nationally-recognized credit expert John Ulzheimer joins the show to help us manage our all-important credit reports and scores and to guard against identity theft.

• Download the podcast on iTunes
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• Download this week's show (MP3)

John started by issuing a wake-up call: Every retailer's system is vulnerable, so we should assume that our information is out there. He then explained what you should do if you are the victim of identity theft or you think that your information has been compromised, highlighted by a great explanation of the difference between a credit freeze and credit monitoring. If you want to read more of  John's great work, check out his web site or follow him on Twitter.

Thanks to Diana, we were able to talk about less expensive options for investment management (try MarketRiders or Rebalance-IRA.com) and Evan brought up how to select the best funds within his 401K.

Dean works in law enforcement and wants to know whether he can afford to retire, while Don is not sure if he is required to take an RMD, because he is sill working.

Thanks to everyone who participated and to Mark, the BEST producer in the world. Let me know if you think we should provide Mark with a little space to vent his various grievances with you...we're considering calling it "Mark's Musings". If you have a financial question, there are lots of ways to contact us:

• Call 855-411-JILL and we'll schedule time to get you on the show LIVE 

• Send an email: askjill@jillonmoney.com 

• Tweet me: @jillonmoney