Host Shirley Rooker speaks with Mike McCartin of Joseph W. McCartin Insurance, who describes ways to prepare for future claims, including taking pictures or videos of your home furnishings. He also discusses the responsibilities of a host. For example, you may be liable if guests get drunk and have an accident when they leave your party.

See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Host Shirley Rooker speaks with Tom Gordon, executive director of Responsive Law, who discusses the changes that can be made to the legal system that will make it more accessible and affordable for consumers and how some states have taken steps to accomplish this goal.

See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Host Shirley Rooker speaks with Joe Hemsley, a private wealth advisor, who discusses the myths surrounding Social Security, how you may be missing tax breaks on your savings accounts and the pros and cons of long term health care

See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Host Shirley Rooker speaks with Jill Robin Payne, psychotherapist and author, who discusses artificial intelligence -- how it provides valuable services but also presents many dangers. One major concern is how some people are actually falling in love with a machine. She gives a pathway to using, but at the same time controlling, its effect on our lives.

See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Host Shirley Rooker speaks with Bruce McClary of the National Foundation for Credit Counseling, who discusses the special needs of military and the many frauds targeting other consumers. He describes how the debt relief promised may only increase the debt load, how promises to erase credit card debt may backfire and other scams that trap consumers.

See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Host Shirley Rooker speaks with Herb Weisbaum, contributing editor at Consumers’ Checkbook Magazine, who discusses wiping personal data off devices before recycling them, the questions to ask before joining a gym and the move to limit high overdraft fees charged by banks

See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Host Shirley Rooker speaks with Chip Lupo of Wallet Hub, who describes deferred interest and how it can save you money but only if you understand its restrictions and the price you may pay if you don’t make payments on time. He also gives tips on the best gift cards and how the rules regarding their use have changed.

See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

It is sometimes called the winter blues but it is very real. Host Shirley Rooker speaks with Jill Robin Payne, a psychotherapist, who describes the symptoms of seasonal affective disorder and ways to treat it including bright lights and exercise.

In addition, she gives tips on getting along with relatives during the holidays and why empathy isn’t enough, it needs to be combined with banter.

See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.