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In 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 investing and his businesses with his school work. It was a treat to interview Matthew! Show notes: https://gumroad.com/l/realshort https://gumroad.com/l/tradingsuccess IG: @frriio matthewstocktrader@gmail.com

Receiving 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

Palantir (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 this wave! #otot #palantir #osana ototnow.com

In 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

In 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

In 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

In 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.

In 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

In 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 steve@ototnow.com for more info. #otot

In 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

In 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

In 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

In 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. #otot ototnow.com

Bitcoin 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 leading us in the future.  His critical expertise in cybersecurity and digital currencies provides insight as to the investment aspect of Bitcoin. We talk about Web 3.0, blockchain, distributed ledgers, the dark web and pretty much everything else.  Enjoy!!!

In 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

In 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

Entrepreneurs! 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 process can be tricky, so be sure to listen in! #otot ototnow.com

With 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

I'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 in to keep your knowledge of stock splits on target! #otot ototnow.com

Speculative 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 keeping your money on target! #otot ototnow.com