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Does your financial advisor help you to understand the investing options and financial decisions placed in front of you? Lorainne Ell says an advisor should be one who explains and educates.

Lorraine released a book to show the common investing financial planning pitfalls, and how to avoid them in “Bozos, Monsters, and Whiz-Bangs: Bad Advice From Financial Advisors and How To Avoid It”.

Lorraine Ell is CEO and Senior Financial Advisor at Better Money Decisions. She helps clients get through the six levels of the Investment Pyramid.

She recently authored a book, Bozos, Monsters, and Whiz-Bangs: Bad Advice From Financial Advisors and How To Avoid It – which you can find at .

Company: Book website:

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Jake writes: If he is investing for the long term and focusing on dividends, should I invest into one REIT and continue to reinvest dividends until I retire?

This just one of the questions we tackle on today’s show.

We also hear from Janelle, who has had a mutual fund IRA for 10 years and has grown by $3,000. However, she is considering moving it to another brokerage account due to the $96 fees she is paying.

JD asks about incentive stock options. ISOs are on a 4-year monthly investing schedule and have passed the cliff date. This means I am able to exercise over a quarter of the outstanding shares. It’s possible I could be subject to AMT (alternative minimum tax).

Doug Goldstein | Miranda Marquit | Linda P. Jones | Joe Saul-Sehy |

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Student Loans have become the single most concerning financial issue with young people and the millennial generation. Whether you signed the dotted line with full knowledge of what happens when you take on student loans or you unknowingly signed your life away for a college degree, the debt must be satisfied in some way.

Robert Farrington of led the charge last month with the Student Loan Movement. He discusses the challenge and answers the following questions from Joe:

Robert Farrington went to college and found his peers were oblivious to personal finance and investing. He founded The College Investor to help educate people about the dangers of debt and the importance of investing at a young age.

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How does climate change affect coral reefs?

The varied effects of climate change are changing the ocean ; these changes dramatically affect coral reef ecosystems .

Climate change poses a major threat to coral reefs. Download this infographic | Mens Boxer Shorts Tommy Hilfiger Sale Really Clearance Geniue Stockist With Credit Card For Sale Finishline Cheap Price HvD06xb

Climate change is the greatest global threat to coral reef ecosystems. Scientific evidence now clearly indicates that the Earth's atmosphere and ocean are warming, and that these changes are primarily due to greenhouse gases derived from human activities.

As temperatures rise, mass coral bleaching events and infectious Fleur Du Mal Woman Snakeprint Stretch Silksatin Underwired Bra Black Size 32 B Fleur du Mal Supply For Sale aFRn0Y
outbreaks are becoming more frequent. Additionally, carbon dioxide absorbed into the ocean from the atmosphere has already begun to reduce calcification rates in reef-building and reef-associated organisms by altering seawater chemistry through decreases in pH. This process is called ocean acidification .

Climate change will affect coral reef ecosystems, through sea level rise, changes to the frequency and intensity of tropical storms, and altered ocean circulation patterns. When combined, all of these impacts dramatically alter ecosystem function, as well as the goods and services coral reef ecosystems provide to people around the globe.

Increased greenhouse gases from human activities result in climate change and ocean acidification. Climate change = ocean change. The world's ocean is a massive sink that absorbs carbon dioxide (CO 2 ). Although this has slowed global warming, it is also changing ocean chemistry.

Contributing factors that increase greenhouse gases in the atmosphere include burning fossil fuels for heat and energy, producing some industrial products, raising livestock, fertilizing crops, and deforestation. Climate change leads to:

Shrink your carbon footprint to reduce greenhouse gases.

Do your part to help improve overall coral reef condition.

CORAL REEF THREATS Land-based Pollution

Many serious coral reef ecosystem stressors originate from land-based sources, most notably toxicants, sediments, and nutrients.


Many coastal and island communities depend on coral reef fisheries, but overfishing can deplete key reef species and damage coral habitat.


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