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    <title>More for Your Money - Episodes Tagged with “Financial Decisions”</title>
    <link>https://moreforyourmoney.fireside.fm/tags/financial%20decisions</link>
    <pubDate>Sat, 08 Nov 2025 13:00:00 -0500</pubDate>
    <description>More for Your Money, hosted by John Berkley of Uncommon Cents Investing, is a weekly radio show airing Saturdays at 9:06 AM on WCLO. With over 40 years of experience in portfolio management, John shares expert insights on investing, retirement planning, and wealth-building strategies. Whether you're looking for smart ways to grow your portfolio, navigate market trends, or make informed financial decisions, this show delivers practical advice tailored to everyday investors. Tune in each week for thoughtful discussions, listener questions, and actionable strategies to help you make the most of your money.
Disclosure: https://bit.ly/3Yc920O
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    <itunes:subtitle>An Uncommon 'Cents' approach to investing</itunes:subtitle>
    <itunes:author>Uncommon Cents Investing</itunes:author>
    <itunes:summary>More for Your Money, hosted by John Berkley of Uncommon Cents Investing, is a weekly radio show airing Saturdays at 9:06 AM on WCLO. With over 40 years of experience in portfolio management, John shares expert insights on investing, retirement planning, and wealth-building strategies. Whether you're looking for smart ways to grow your portfolio, navigate market trends, or make informed financial decisions, this show delivers practical advice tailored to everyday investors. Tune in each week for thoughtful discussions, listener questions, and actionable strategies to help you make the most of your money.
Disclosure: https://bit.ly/3Yc920O
</itunes:summary>
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    <itunes:keywords>More for Your Money, hosted by John Berkley of Uncommon Cents Investing, is a weekly radio show airing Saturdays at 9:06 AM on WCLO. With over 40 years of experience in portfolio management, John shares expert insights on investing, retirement planning, and wealth-building strategies. Whether you're looking for smart ways to grow your portfolio, navigate market trends, or make informed financial decisions, this show delivers practical advice tailored to everyday investors. Tune in each week for thoughtful discussions, listener questions, and actionable strategies to help you make the most of your money.</itunes:keywords>
    <itunes:owner>
      <itunes:name>Uncommon Cents Investing</itunes:name>
      <itunes:email>sheena@uncommoncentsinvesting.com </itunes:email>
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  <title>Episode 46: Medicare: Advantage Versus Supplement – Doing Your Homework - 11/08/2025</title>
  <link>https://moreforyourmoney.fireside.fm/46</link>
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  <pubDate>Sat, 08 Nov 2025 13:00:00 -0500</pubDate>
  <author>Uncommon Cents Investing</author>
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  <itunes:episodeType>full</itunes:episodeType>
  <itunes:author>Uncommon Cents Investing</itunes:author>
  <itunes:subtitle>Join John Berkley of Uncommon Cents Investing as they share practical financial insights and strategies to help you get more for your money.</itunes:subtitle>
  <itunes:duration>52:50</itunes:duration>
  <itunes:explicit>no</itunes:explicit>
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  <description>This special episode of More for Your Money features host John Berkley and Medicare Specialist Dave Bomkamp, focusing on the critical open enrollment period. They stress that listeners must "do your homework" to mitigate financial risk and navigate the "minefields" of available options.
The discussion compares Supplemental (Medigap) plans, which augment traditional Medicare (A and B), offer no networks, and provide freedom, versus Medicare Advantage plans. Advantage plans are privately run (sometimes misleadingly called Part C) and operate using specific networks (HMO/PPO). Listeners are warned about significant pitfalls: Advantage plans have a reported 20% denial rate for procedures Medicare would otherwise cover, and switching from an Advantage plan back to a Supplement typically requires medical underwriting, making this decision potentially irreversible. Finally, failure to take Part D (drug coverage) incurs a lifelong penalty of 1% per month. Special Guest: Dave Bomkamp.
</description>
  <itunes:keywords>Medicare, Medicare Advantage, Medicare Supplement, Medigap, Open Enrollment, Medicare Part A, Medicare Part B, Medicare Part C, Medicare Part D, Part B penalty, Part D penalty, Credible coverage, Wisconsin Senior Care, HMO, PPO (Preferred Provider Organizations), pre-authorization, underwriting, health insurance choice, retirement health plan, Janesville, Marketplace plans</itunes:keywords>
  <content:encoded>
    <![CDATA[<p>This special episode of More for Your Money features host John Berkley and Medicare Specialist Dave Bomkamp, focusing on the critical open enrollment period. They stress that listeners must &quot;do your homework&quot; to mitigate financial risk and navigate the &quot;minefields&quot; of available options.<br>
The discussion compares Supplemental (Medigap) plans, which augment traditional Medicare (A and B), offer no networks, and provide freedom, versus Medicare Advantage plans. Advantage plans are privately run (sometimes misleadingly called Part C) and operate using specific networks (HMO/PPO). Listeners are warned about significant pitfalls: Advantage plans have a reported 20% denial rate for procedures Medicare would otherwise cover, and switching from an Advantage plan back to a Supplement typically requires medical underwriting, making this decision potentially irreversible. Finally, failure to take Part D (drug coverage) incurs a lifelong penalty of 1% per month.</p><p>Special Guest: Dave Bomkamp.</p>]]>
  </content:encoded>
  <itunes:summary>
    <![CDATA[<p>This special episode of More for Your Money features host John Berkley and Medicare Specialist Dave Bomkamp, focusing on the critical open enrollment period. They stress that listeners must &quot;do your homework&quot; to mitigate financial risk and navigate the &quot;minefields&quot; of available options.<br>
The discussion compares Supplemental (Medigap) plans, which augment traditional Medicare (A and B), offer no networks, and provide freedom, versus Medicare Advantage plans. Advantage plans are privately run (sometimes misleadingly called Part C) and operate using specific networks (HMO/PPO). Listeners are warned about significant pitfalls: Advantage plans have a reported 20% denial rate for procedures Medicare would otherwise cover, and switching from an Advantage plan back to a Supplement typically requires medical underwriting, making this decision potentially irreversible. Finally, failure to take Part D (drug coverage) incurs a lifelong penalty of 1% per month.</p><p>Special Guest: Dave Bomkamp.</p>]]>
  </itunes:summary>
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<item>
  <title>Episode 40: Local Service and Financial Freedom: The Case for Hiring a Financial Professional - 09/27/2025</title>
  <link>https://moreforyourmoney.fireside.fm/40</link>
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  <pubDate>Sat, 27 Sep 2025 13:30:00 -0400</pubDate>
  <author>Uncommon Cents Investing</author>
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  <itunes:episodeType>full</itunes:episodeType>
  <itunes:author>Uncommon Cents Investing</itunes:author>
  <itunes:subtitle>Join John Berkley of Uncommon Cents Investing as they share practical financial insights and strategies to help you get more for your money.</itunes:subtitle>
  <itunes:duration>52:50</itunes:duration>
  <itunes:explicit>no</itunes:explicit>
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  <description>This episode of More for Your Money features host John Berkley and Krista Berkley. The discussion centers on the benefits of hiring a financial professional, focusing on the argument that good local service and expertise should pay for themselves. The hosts examine market activity, including the JDB indicator, and delve into detailed, subjective topics like Roth conversions and the debate over debt versus wealth accumulation. The conversation highlights the dynamic exchange between the two, noting that financial advice is highly personalized. They emphasize the need for knowledge, balance, and making good financial choices. Special Guest: Krista Berkley.
</description>
  <itunes:keywords>local financial advisor, financial planning, investment advice, return on advice, value stocks vs growth stocks, market report, S&amp;P 500, inflation risk, interest rates, Roth conversions strategy, tax buckets management, asset allocation, estate planning, beneficiaries, debt versus wealth accumulation, social security benefits, pension options, second opinion financial advice, risk management, investment confidence, financial mentorship, managed accounts, personalized finance</itunes:keywords>
  <content:encoded>
    <![CDATA[<p>This episode of More for Your Money features host John Berkley and Krista Berkley. The discussion centers on the benefits of hiring a financial professional, focusing on the argument that good local service and expertise should pay for themselves. The hosts examine market activity, including the JDB indicator, and delve into detailed, subjective topics like Roth conversions and the debate over debt versus wealth accumulation. The conversation highlights the dynamic exchange between the two, noting that financial advice is highly personalized. They emphasize the need for knowledge, balance, and making good financial choices.</p><p>Special Guest: Krista Berkley.</p>]]>
  </content:encoded>
  <itunes:summary>
    <![CDATA[<p>This episode of More for Your Money features host John Berkley and Krista Berkley. The discussion centers on the benefits of hiring a financial professional, focusing on the argument that good local service and expertise should pay for themselves. The hosts examine market activity, including the JDB indicator, and delve into detailed, subjective topics like Roth conversions and the debate over debt versus wealth accumulation. The conversation highlights the dynamic exchange between the two, noting that financial advice is highly personalized. They emphasize the need for knowledge, balance, and making good financial choices.</p><p>Special Guest: Krista Berkley.</p>]]>
  </itunes:summary>
</item>
<item>
  <title>Episode 38: Uncommon Cents: Wisdom on Decisions, Risk, and Retirement Strategies - 09/13/2025</title>
  <link>https://moreforyourmoney.fireside.fm/38</link>
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  <pubDate>Sat, 13 Sep 2025 15:00:00 -0400</pubDate>
  <author>Uncommon Cents Investing</author>
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  <itunes:episodeType>full</itunes:episodeType>
  <itunes:author>Uncommon Cents Investing</itunes:author>
  <itunes:subtitle>Join John Berkley of Uncommon Cents Investing as they share practical financial insights and strategies to help you get more for your money.</itunes:subtitle>
  <itunes:duration>52:50</itunes:duration>
  <itunes:explicit>no</itunes:explicit>
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  <description>In this episode, John Berkley and Sheena Hanson discuss current market trends, noting an expensive market driven by growth stocks. They cover crucial financial topics like the Rule of 55 for early 401k withdrawals and the importance of trusted contacts for clients. John shares his personal philosophical quotes on decision-making, risk, and consequences, emphasizing learning from others' experiences. The episode also explores the emotional and practical aspects of retirement transition, spending habits, and the passion for one's work. Listeners are encouraged to review their financial plans and utilize the firm's website resources. 
</description>
  <itunes:keywords>financial advisor, investment advisory services, S&amp;P 500, NASDAQ, Federal Reserve, interest rates, market trends, growth stocks, value stocks, expensive market, 401k, Rule of 55, early withdrawals, Roth IRA conversions, IRA, 72T, retirement planning, decision-making, risk, consequences, financial literacy, trusted contact, financial scams, beneficiaries, money management, client relationships, market updates, philosophical quotes, Charlie Munger, Warren Buffett, Socrates, Albert Einstein, retirement transition, spending habits, saving money, passion for work</itunes:keywords>
  <content:encoded>
    <![CDATA[<p>In this episode, John Berkley and Sheena Hanson discuss current market trends, noting an expensive market driven by growth stocks. They cover crucial financial topics like the Rule of 55 for early 401k withdrawals and the importance of trusted contacts for clients. John shares his personal philosophical quotes on decision-making, risk, and consequences, emphasizing learning from others&#39; experiences. The episode also explores the emotional and practical aspects of retirement transition, spending habits, and the passion for one&#39;s work. Listeners are encouraged to review their financial plans and utilize the firm&#39;s website resources.</p>]]>
  </content:encoded>
  <itunes:summary>
    <![CDATA[<p>In this episode, John Berkley and Sheena Hanson discuss current market trends, noting an expensive market driven by growth stocks. They cover crucial financial topics like the Rule of 55 for early 401k withdrawals and the importance of trusted contacts for clients. John shares his personal philosophical quotes on decision-making, risk, and consequences, emphasizing learning from others&#39; experiences. The episode also explores the emotional and practical aspects of retirement transition, spending habits, and the passion for one&#39;s work. Listeners are encouraged to review their financial plans and utilize the firm&#39;s website resources.</p>]]>
  </itunes:summary>
</item>
<item>
  <title>Episode 26: Market Valuations, Financial Repression, and the Psychology of Investing - 06/21/2025</title>
  <link>https://moreforyourmoney.fireside.fm/26</link>
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  <pubDate>Sat, 21 Jun 2025 15:00:00 -0400</pubDate>
  <author>Uncommon Cents Investing</author>
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  <itunes:episodeType>full</itunes:episodeType>
  <itunes:author>Uncommon Cents Investing</itunes:author>
  <itunes:subtitle>Join John Berkley of Uncommon Cents Investing as they share practical financial insights and strategies to help you get more for your money.</itunes:subtitle>
  <itunes:duration>52:50</itunes:duration>
  <itunes:explicit>no</itunes:explicit>
  <itunes:image href="https://media24.fireside.fm/file/fireside-images-2024/podcasts/images/7/7182d005-6b8c-418a-851b-e9e5146bb081/episodes/6/65ee1daa-e570-4f2b-92e8-1aca7494bf53/cover.jpg?v=1"/>
  <description>This episode of "More for Your Money" features John Berkley, Greg, and Todd discussing market performance, historically high price-earnings multiples, and AI's influence on growth. Topics include "financial repression," structural inflation, income inequality, and contrarian economic views. Uncommon Cents Investing shares their approach of disciplined, long-term value investing in individual stocks, emphasizing the psychology of investing. Special Guests: Greg Snyder and Todd Berkley.
</description>
  <itunes:keywords>investment advisory, fee-based firm, registered investment advisor, fiduciary standard, market performance, S&amp;P performance, price-earnings multiples, elevated valuations, Artificial Intelligence (AI) impact, accelerating growth rates, financial repression, central bank actions, asset prices, structural inflation, government deficits, income inequality, value stocks, individual common stocks, long-term strategy, not timing the market, portfolio building, client objectives, time horizons, psychology of investing, contrarian economic views, Lacy Hunt, Jeremy Siegel, Ray Dalio, deflation, estate planning</itunes:keywords>
  <content:encoded>
    <![CDATA[<p>This episode of &quot;More for Your Money&quot; features John Berkley, Greg, and Todd discussing market performance, historically high price-earnings multiples, and AI&#39;s influence on growth. Topics include &quot;financial repression,&quot; structural inflation, income inequality, and contrarian economic views. Uncommon Cents Investing shares their approach of disciplined, long-term value investing in individual stocks, emphasizing the psychology of investing.</p><p>Special Guests: Greg Snyder and Todd Berkley.</p>]]>
  </content:encoded>
  <itunes:summary>
    <![CDATA[<p>This episode of &quot;More for Your Money&quot; features John Berkley, Greg, and Todd discussing market performance, historically high price-earnings multiples, and AI&#39;s influence on growth. Topics include &quot;financial repression,&quot; structural inflation, income inequality, and contrarian economic views. Uncommon Cents Investing shares their approach of disciplined, long-term value investing in individual stocks, emphasizing the psychology of investing.</p><p>Special Guests: Greg Snyder and Todd Berkley.</p>]]>
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