Money Making Sense: Recent Episodes
KSL Newsradio
The goal of Money Making Sense is to help you find more financial peace. Host Heather Kelly and guest experts focus on reviewing paychecks and analyzing family decisions. They also talk about vacationing on a budget, retirement savings on a limited income, reducing household expenses, the financial impact of owning a pet and how money affects relationships. Money Making Sense will give you practical ideas on how to improve your bottom line. Money Making Sense is a 2017, 2018 and 2020 People's Choice Podcast Finalist.
It's the end of a great 8+ years. Thank you to all my guests and dedicated followers of Money Making Sense. You can still listen to past episodes of this show on your favorite platforms. Below are just a few of the most popular:
https://podcasts.apple.com/us/podcast/money-making-sense/id1142678783
https://www.podchaser.com/podcasts/money-making-sense-225686
https://www.iheart.com/podcast/256-money-making-sense-31013462/
https://open.spotify.com/show/00pdsYQO6Py4JWPirOaAWd
To see what Heather does when she's not talking money, go to her personal X (Twitter) page.
Long before DOGE began implementing cuts, government leaders have been talking about making changes to Social Security. Chad Waddoups, the VP of Wealth Management at Mountain America Investment Services, breaks down how the system works now.
Find out how much money Social Security is expected to pay you, here.
He discusses the concerns about the program running out of money if changes aren't made and why he thinks it won't actually go away; and how to protect yourself if Social Security does vanish. Chad also explains the misconception around Social Security and entitlements.
You can follow this show on Instagram and Facebook. To see what Heather does when she's not talking money, go to her personal X (Twitter) page.
Be sure to email Heather with your questions and request topics you'd like her to cover here.
Finding yourself in debt can be traumatic; especially if you didn't know your spouse was accumulating the debt and now you're getting a divorce. That's what reporter Adam Small is going through. He tells host Heather Kelly about the panic and humility he experienced when he first found out.
Find out how the debt happened without his knowledge, how he is climbing out of a $34,000 hole and why Adam isn't using a debt consolodation company.
You can follow this show on Instagram and Facebook. To see what Heather does when she's not talking money, go to her personal X (Twitter) page.
Be sure to email Heather with your questions and request topics you'd like her to cover here.
You may have spent years and decades combining your finances. But now have to separate them in a matter of weeks or months. Certified Financial Litagator Lisa Zeiderman with Miller Zeiderman, LLP says finding out if each side in a divorce is 'apples to apples OR apples to oranges' is the first step in dividing the joint accounts.
Zeiderman also recommends keeping many of your accounts compeletly separate, especially if you inherit anything during the marriage. Also discover what a CDFA is and if you need one.
You can follow this show on Instagram and Facebook. To see what Heather does when she's not talking money, go to her personal X (Twitter) page.
Be sure to email Heather with your questions and request topics you'd like her to cover here.
No one should feel intimidated about filing their taxes just because they haven't done it, or aren't sure of tax regulations. Mark Steber, Chief Tax Officer of Jackson Hewitt Tax Services says you could be missing out on money you are due -- especially younger generations.
He also says many people under 35 years of age now have multiple streams of income from non-standard forms of work, like social media streams, cryptocurrency investments and side-hustles. And they don't understand the Government doesn't automatically withold taxes or 401k. It's important to find a tax advisor who understands your unique circumstances.
You can follow this show on Instagram and Facebook. To see what Heather does when she's not talking money, go to her personal X (Twitter) page.
Be sure to email Heather with your questions and request topics you'd like her to cover here.
Entrepreneur and advisor, Sam Vadakekut says each person has their own creativity within them. There isn't one answer that will fix everyone's money woes. But he does say that "a scarcity mindset creates financial enslavement."
Learn more in this episode and from his book "About my Father's Business: Enslaved vs Entrusted."
You can follow this show on Instagram and Facebook. And to see what Heather does when she's not talking money, go to her personal X (Twitter) page.
Be sure to email Heather your questions and request topics you'd like her to cover here.
Rock-n-roller, Huey Lewis, was inducted into the newly formed People's Music Hall of Fame in Salt Lake City. The event was created by the Professor of Rock, Adam Reader, and Grammy nominated musician Caleb Chapman.
The event also raised scholarship money for the Sound Support Foundation which teaches kids how to perform musically on stage, as well as address mental health issues. Learn more about Caleb Chapman's SoundHouse school here
You can follow this show on Instagram and Facebook. To see what Heather does when she's not talking money, go to her personal X (Twitter) page.
Be sure to email Heather with your questions and request topics you'd like her to cover here.
Adam Reader, aka - The Professor of Rock - says his secret sauce is the thousands of music books he has collected since he was a child. Reader has teamed with Grammy nominated band-leader, Caleb Chapman, to raise money for scholarships at the Caleb Chapman Soundhouse.
Reader says the Soundhouse is the best music program in the country as it instills confidence in kids; teaches them to look up from their shoelaces, which they can use all their lives. Students also get a chance to perform at Carnegie Hall and work with world renowned musicians, like Huey Lewis. AND Chapman and Reader have created the People's Music Hall of Fame.
You can follow this show on Instagram and Facebook. To see what Heather does when she's not talking money, go to her personal X (Twitter) page.
Be sure to email Heather with your questions and request topics you'd like her to cover here.
Songwriter, producer and musician, Eric Bazilian of The Hooters, says he started his first band the day after seeing The Beatles on the Ed Sullivan show. He wound up playing guitar riffs on two of Cyndi Lauper's best hits and was nominated for a Grammy.
Learn which songs these are, which fans in which country are the most faithful to his music, and how long it took The Hooters to financially recoup their 1984 record deal with Columbia Records. Find out which band Eric considers the Alpha and the Omega of music.
You can follow this show on Instagram and Facebook. To see what Heather does when she's not talking money, go to her personal X (Twitter) page.
Be sure to email Heather with your questions and request topics you'd like her to cover here.
How are Jon and Kate's kids are doing after the tv show? Jon Gosselin spoke with host Heather Kelly at the Sundance Film Festival where he was the Celebrity DJ at the Music Lodge. He also discusses current events in his personal and professional life.
You can follow this show on Instagram and Facebook. And to see what Heather does when she's not talking money, go to her personal X (Twitter) page.
Be sure to email Heather with your questions and request topics you'd like her to cover here.
Death is a taboo subject in China. Filmmaker Yuxuan Ethan Wu wants to start the conversation about dying with his short documentary "Death Education" now showing at the Sundance Film Festival.
Learn why some high school teachers in China now teach classes about death, including having students carry the ashes of 'unanamed' people from a crematorium to a public burial ground in this episode. Also, how long it took Wu to shoot the film and how much money it cost.
You can follow this show on Instagram and Facebook. To see what Heather does when she's not talking money, go to her personal X (Twitter) page.
Be sure to email Heather with your questions and request topics you'd like her to cover here.
Filmmaker Tadashi Nakamura had big shoes to fill following in his father's footsteps. So, he made a documentary about his dad, Robert A. Nakamura, the godfather of Asian-American Media.
In the film, Third Act, Tadashi follows his father's footsteps from his time in a Concentration Camp for Japanese Americans during WWII to his diagnosis with Parkinson's Disease. If you miss the Sundance Film Festival, you can see Third Act on PBS later this year.
You can follow this show on Instagram and Facebook. And to see what Heather does when she's not talking money, go to her personal X (Twitter) page.
Be sure to email Heather with your questions and request topics you'd like her to cover here.
Funding an independent movie just got a bit easier. That's according to Hedge Fund creators Michael Perrone, Slater Wayne, and Chris De La Rosa who bring Rendezvous Cinema Center to the Sundance Film Festival as the sponsor of the interview studio, Collider.
They say they they are more interested in the projects and people who take risks, than those who are only interested in how much money they can make. They put their filmmaking knowledge together with finance guy, Craig Mattus. to create Rendezvous Capital Holdings where qualified investors can invest in a flight of films, and independent artists can benefit financially.
You can follow this show on Instagram and Facebook. And to see what Heather does when she's not talking money, go to her personal X (Twitter) page.
Be sure to email Heather with your questions and request topics you'd like her to cover here.
Filmmaker Loren Waters brings the story of the Native American family who started the t-shirt company "Tiger" in 1977. It was a very small operation, working 24/7 to fill orders for JC Penny in its heyday.
Learn why the company went under in 1990 and watch "Tiger" through the Sundance Film Festival as well as at SXSW later this spring in this conversation with Loren.
You can follow this show on Instagram and Facebook. And to see what Heather does when she's not talking money, go to her personal X (Twitter) page.
Be sure to email Heather your questions and request topics you'd like her to cover here.
In Pakistan in the Karakoram Range is a peak that has never been conquered by skiers, until now. Extreme skiers Christina ‘Lusti’ Lustenberger and Jim Morrison became the first people known to ever ski down the face of Trango on May 9, 2024 and it is all captured in this documentary. Christina also says what was not revealed in the film.
You can follow this show on Instagram and Facebook. And to see what Heather does when she's not talking money, go to her personal X (Twitter) page.
Be sure to email Heather your questions and request topics you'd like her to cover here.
Many people made a New Year's Resolution not to spend any money for anything other than essential needs, like food and shelter. Susan Speirs, the CEO of Utah Association of CPA's, discusses with host, Heather Kelly, what a better resolution should be -- and how to stick to it.
Tip #1: Put just five dollars a week into a High Yield Savings account and you can accrue interest on the your money.
Tip #2: Learn how to control your credit cards, don't let them control you.
You can follow this show on Instagram and Facebook. And to see what Heather does when she's not talking money, go to her personal X (Twitter) page.
Be sure to email Heather your questions and request topics you'd like her to cover here.
The producer of the FanX Salt Lake and three other comic conventions describes how he got his start in the business. Dan Farr, President of Dan Farr Productions, says the response to the first one in Salt Lake City was overwhelming.
He also discusses what happens behind the scenes, how celebrities deal with the fans, and what attendees can expect when you go.
You can follow this show on Instagram and Facebook. And to see what Heather does when she's not talking money, go to her personal X (Twitter) page.
Be sure to email Heather your questions and request topics you'd like her to cover here.
Having Financial Independence so you can Retire Early (FIRE) is achievable, if you know the right formula. Aaron Clark, owner of The Accounting Nerd, LLC says the first thing you need to do is change your mindset. Then invest in relatively safe, Index Funds.
Susan Speirs, the CEO of Utah Association of CPAs, says money is a very psychological and behavorial aspect to our being. So there must be discipline in order to live a FIRE lifestyle. And do you know the difference between 'Coast FIRE and Barista FIRE?'
You can follow this show on Instagram and Facebook. And to see what Heather does when she's not talking money, go to her personal X (Twitter) page.
Be sure to email Heather your questions and request topics you'd like her to cover here.
The CDC says domestic violence is the number 1 public health issue in America. Research confirms 1 in 4 women and 1 in 7 men are victims of abuse in their relationships. Kim Scouller, author of How Money Works for Women, says one of the first things an abusive partner does is take control of the finances so their spouse feels like they can't leave. Start by stashing away cash -- even very small amounts will help.
National Domestic Violence Hotline 1-800-799-7233
Domestic Shelters -- find a shelter near you
Kim says communication is key and both partners need to step up and take responsibility for the finances in the relationship. It can be equally dividing up who pays which bills or have a joint account where only a part of each person's income goes into the same account and pay everything from there.
You can follow this show on Instagram and on Facebook. And to see what Heather does when she's not talking money, go to her personal X (Twitter) page.
Be sure to email Heather your questions and request topics you'd like her to cover here
Chronic inflammation from diabetes, obesitity and other long term illnesses play a bigger role in heart disease than we realize. Dr. Andrew Freeman, the Director of Cardiovascular Prevention and Wellness at National Jewish Health in Denver, says changing your lifestyle is much more cost effective than surviving a heart attack or dying from one.
Dr. Freeman says a plant based diet, brisk exercise everyday, reducing stress, at least 7-hours of sleep each night and have a good support system around you. ALL five of these tips -- along with not smoking are the best way to reduce your risk of a heart attack. Go to CVDInflammation.com for more information.
You can follow this show on Instagram and Facebook. And to see what Heather does when she's not talking money, go to her personal X (Twitter) page.
Be sure to email Heather your questions and request topics you'd like her to cover here.
Having tough conversations about how your aging family members are doing with bill paying or spending before things get out of hand is much easier than having a talk after their money is gone. That's according to Nico Pesci, founder and CEO of Momemtum Wealth. He says having a fiduciary advisor is an important ally in safe guarding your parents money because they have a LEGAL obligation to work for their clients best interests.
He also discusses how more family members try to take financial advantage of aging loved ones than do parents making bad decisions because of memory loss.
You can follow this show on Instagram and Facebook. And to see what Heather does when she's not talking money, go to her personal X (Twitter) page.
Be sure to email Heather your questions and request topics you'd like her to cover here.
Now that we know who our next President will be, a lower inflation rate is not a guarantee. That's according to Senior Economist Robert Spendlove with Zions Bank. He says ecoomic theory dictates increasing tariffs -- which President-elect Donald Trump plans to do -- means higher inflation. He does say one of the biggest issues for next year's Congress will be taxation.
Susan Speirs, the CEO of Utah Association of CPAs, says the hope Trump has is that manufacturers will return the United States if tariffs are imposed, but right now they appear to be leaving China and going to Vietnam.
You can follow this show on Instagram and on Facebook. And to see what Heather does when she's not talking money, go to her personal X (Twitter) page.
Be sure to email Heather your questions and request topics you'd like her to cover here.
If you truly want to support veterans, buy from their business or use their services. That's from Aikta Marcoulier, Regional Administrator for the Small Business Administration, who says veteran owned companies employee 5-Million people across the U.S. She says show your support using small, veteran owned business along with displaying a flag.
Veterans who are transitioning out of the military have lots of resources to help them, or family members, start a business in every state of the Union. SBA.gov/vetbiz is a great place to start. Here are other websites for vets or their families go from "boots to business."
Utah Veteran Business Resource Center
Veterans Business Outreach Center
You can follow this show on Instagram and Facebook. And to see what Heather does when she's not talking money, go to her personal X (Twitter) page.
Be sure to email Heather your questions and request topics you'd like her to cover here.
Politicians on both sides of the aisle are raising campaign funds faster than ever before. Boyd Matheson, political consultant, says Super Pacs are a big part of that revenue stream. He says the pacs are where almost all the negative ads come from.
Boyd says people need to be humble about what they think they know and look outside their normal sources of information in order to find out if what they are being fed is true or not. The first borometer is -- if it sounds 'out there' it's probably not correct. Please remember to "Disagree Better."
You can follow this show on Instagram and Facebook. And to see what Heather does when she's not talking money, go to her personal X (Twitter) page.
Be sure to email Heather your questions and request topics you'd like her to cover here.
Retirement is all about your cash flow. Jason Parker of Parker Financial and Sound Retirement Radio, has a formula to make sure you've saved enough for 'the golden years.' But, he says money isn't the most important item to have in order to gain wealth.
Hint: It's all about your relationships.
You can follow this show on Instagram and Facebook. And to see what Heather does when she's not talking money, go to her personal X (Twitter) page.
Be sure to email Heather your questions and request topics you'd like her to cover here.
Ticket Master/Live Nation makes $130 BILLION a year on fees selling tickets. The Ticket Act would remove Junk fees from live event ticket purchases. That's from Sally Greenberg, executive director of the National Consumers League, who also says there would be 'no more jumping through hoops on websites to see the actual price of a ticket and fake ticketing websites would go away.'
The Bill already passed the U.S. House of Representatives 388 to 24. Now it goes to the Senate for a vote. Please contact the Senators in your state to let them know how you want them to vote.
You can follow this show on Instagram and on Facebook. And to see what Heather does when she's not talking money, go to her personal X (Twitter) page.
Be sure to email Heather your questions and request topics you'd like her to cover here.
After this episode was recorded, the Utah Education Association sued the state of Utah over the wording of Amendment A,
A bill to remove the state sales tax from grocery store food has been approved. But it won't go into effect unless Amendment A passes in this year's election.
The brief from Gardner Institute states Amendment A would allow legislators to re-allocate where monies collected from your Income Tax would go. Phil Dean, the Senior Economist at the Kem C. Gardner Institute says lawmakers want to shift some of the income tax away from education to the general state fund. Susan Speirs, the CEO of Utah Association of CPAs says some educators are worried their peice of the tax pie will get smaller.
Phil Dean says he believes the amount of money spent per pupil will actually increase under the proposed Amendment and Companion Bill. Also, find out what happens if the initiative doesn't pass.
You can follow this show on Instagram and on Facebook. And to see what Heather does when she's not talking money, go to her personal X (Twitter) page.
Be sure to email Heather your questions and request topics you'd like her to cover here.
Too often women are made the caregivers of not only their children, but also their elderly parents. Lisa Peel, head of financial planning with Edward Jones, says this can greatly affect the amount of time they spend in the workforce, thus limiting their income.
Lisa says it is important to work closely with a financial planner to maximize the amount of income available both currently and for the future. She says it is extremely important to interview 2 or 3 advisors minimum, to find the right fit.
You can follow this show on Instagram and on Facebook. And to see what Heather does when she's not talking money, go to her personal X (Twitter) page.
Be sure to email Heather your questions and request topics you'd like her to cover here.
Does the person you voted for have a financial background? It is critical to understand how local treasurers and auditors keep tabs on your taxes -- and who wants the job. Catherine Voutaz is running for Utah State Auditor and Sheila Srivastava for the Salt Lake County Treasurer positions. Find out why Sheila says every tax dollar is hard earned.
They explain why its important to have people in those offices who have financial backgrounds and what their roles are to assist the more well-known positions of governors, mayors and city councils. Susan Speirs, the CEO of Utah Association of CPAs, also joins the conversation to help explain why voters need to do their research on ALL the people listed on your ballot.
You can follow this show on Instagram and on Facebook. And to see what Heather does when she's not talking money, go to her personal X (Twitter) page.
Be sure to email Heather your questions and request topics you'd like her to cover here.
Producer George David discusses how you can make money in the music industry without being a star. Licensing songs for tv commercials and movie soundtracks, producing others, building music studios and many other way will earn you six figures each year. Building a music studio is what led George to collaborating with the music group Train.
George says singers must now get a local following first, along with a big social media presence before record labels will sign them. HACK: everyone needs to learn computer programing and A.I. systems like Python to earn money.
You can follow this show on Instagram and on Facebook. And to see what Heather does when she's not talking money, go to her personal X (Twitter) page.
Be sure to email Heather your questions and request topics you'd like her to cover here.
HVAC systems must be able to make your home comfortable and be affordable at the same time. If you want more efficient systems, you need to get a higher number SEER and HSPF rating. It will cost a little more money up front, but save you in monthly utility bills.
Dennis Stinson, VP of Sales for Fujitsu General America.
If you can't afford a new A/C or heat system, try putting in more insulation in your attic, getting newer energy efficient windows, and sealing up gaps around windows and doors. Make sure the airflow to your A/C and furnace are not blocked.
You can follow this show on Instagram and on Facebook. And to see what Heather does when she's not talking money, go to her personal X (Twitter) page.
Be sure to email Heather your questions and request topics you'd like her to cover here.
Food Security expert, Kimberley Gillan, says buy nutrient dense, low cost foods such as parsley, peas, and skim milk powder in order to save money and be healthy. Gillan details what to buy every week for a 5-week cycle and how much it will cost in her book "How Low Can You Go" to help lower your grocery bills by 60%.
HACK: canned fish like sardines and beans & lentils are a start.
She also discusses several causes as to why food prices continue to increase and what we can do as individuals and as a society to get prepared for even higher prices and food shortages in the future.
You can follow this show on Instagram and on Facebook. To see what Heather does when she's not talking money, go to her personal X (Twitter) page.
Be sure to email Heather your questions and request topics you'd like her to cover here.
If the experts believe the economy is in great shape, why does the average American feel like we're in a recession? That is what Nico Pesci, the founder and CEO of Momemtum Wealth, says is a 'vibecession.' When everyday people have the vibe things are going badly, while Wall Street is living high off the hog -- it's time to make a money plan for the stage of life you are in.
Nico says recessions are part of economic cycles. Things will improve. You just need to wait, if can, to cash out your retirement funds. Don't panic, learn to take a deep breath and understand what is really happening in the stock market.
You can follow this show on Instagram and on Facebook. And to see what Heather does when she's not talking money, go to her personal X (Twitter) page.
Be sure to email Heather your questions and request topics you'd like her to cover here.
Higher education doesn't have to mean ONLY a 4-year expensive college. Troy Runnels, the CFO of My529, says you can put money into a plan which will pay for a trade school educaton, internet usage, housing, internships school supplies and much more.
Susan Speirs, the CEO of Utah Association of CPAs, says the funds you put into a MY529 plan qualify for a Credit on your taxes; and you can roll over any unused funds into a Roth IRA. Also, there are many opportunities available to help pay for your child's education.
You can follow this show on Instagram and on Facebook. And to see what Heather does when she's not talking money, go to her personal X (Twitter) page.
Be sure to email Heather your questions and request topics you'd like her to cover here.
Typically, going into business for yourself reduces your tax-burden. That's from Liz Steblay the author of "Succeeding as a Solopreneur" who says you will probably need to pull in about $110k as your own boss to break even on taxes from working for someone else.
Liz is also the CEO of PICA (Professional Independent Contractors of America). She says empowerment is a great benefit to going out on your own. But it will also be the hardest you ever do in your life as Fear, Uncertainty and Doubt (the FUD monster) can take you down at any time. HACK -- be confident and charge what you are worth.
You can follow this show on Instagram and on Facebook. And to see what Heather does when she's not talking money, go to her personal X (Twitter) page.
Be sure to email Heather your questions and request topics you'd like her to cover here.
Not having a financial strategy can stress you out even more than without a plan. James Alexander, CFP with Edge Financial Advisors, says imagine driving somewhere unknown without a GPS or a road map or knowing anything about your car. When you draw a map for your money, you will feel much safer financially. What stage of your life should you hire a financial advisor?
James says taking control, even in small ways, of what you do with your money takes weight of your mind and is emotionally uplifting. You can hear more of his philosophy on Ed's Edge Podcast, where he is a co-host.
You can follow this show on Instagram and on Facebook. And to see what Heather does when she's not talking money, go to her personal X (Twitter) page.
Be sure to email Heather your questions and request topics you'd like her to cover here.
You could be limiting your ability for interviews by the language used on your resume.
Cassie Whitlock, the Chief People Officer at Diversify, says companies are shifting toward skill based hiring vs pedigree educations. Both employers and employees need to be aware of their brand, and what are you trying to accomplish in your job search / job description.
Susan Speirs, the CEO of Utah Association of CPAs, says it's important to understand what DEI really means: Diversity = skills & background, gender identity, age, race, culture, etc.
Equity = everyone has the tools they need to complete the same job, no matter the impediments (too short, too tall, scocio-economic, etc).
Inclusion = you are part of the team, your input matters.
You can use free websites to run job description postings and resumes through in order to edit out some potientionally off-putting language.
You can follow this show on Instagram and Facebook. And to see what Heather does when she's not talking money, go to her personal X (Twitter) page.
Be sure to email Heather your questions and request topics you'd like her to cover here.
After several years of not having to pay student loans - or no interest added to them - everyone is back to paying their full payments. Brian Walsh, the head of advice and planning with SoFi, says a SAVE student loan program may be the way forward. But there have been changes.
- Currently, if you missed a student loan payment during the first year, it wouldn't be reported to a credit bureau. That is now going away.
- The percentage of your discretionary income used to calculate your monthly payments is changing -- but currently is facing a court fight.
You can follow this show on Instagram and on Facebook. And to see what Heather does when she's not talking money, go to her personal X (Twitter) page.
Be sure to email Heather your questions and request topics you'd like her to cover here.
How do you know if something "sounds too good to be real?" That's the question Nico Pesci, the founder and CEO of Momemtum Wealth, details in this episode. He says seniors are targeted in all sorts of scams because they typically have more money to lose than younger generations.
Nico also explains what signs you should look for if your loved ones are getting scammed. And who is doing the scamming? HACK: Do your homework on what the average 'return on investment' is and verify investment people through FINRA or Broker Check.
You can follow this show on Instagram and on Facebook. And to see what Heather does when she's not talking money, go to her personal X (Twitter) page.
Be sure to email Heather your questions and request topics you'd like her to cover here.
Over half of all Americans say they don't have enough money to either retire, or survive, in retirement. Indira Venkat, Senior Vice-President at with AARP says "its never too early and never too late to start saving." She says 57-Million workers don't have any type of retirement programs through their place of employment.
You can find help at: aarp.org/tools or thisispretirement.org
You can follow this show on Instagram and on Facebook. And to see what Heather does when she's not talking money, go to her personal X (Twitter) page.
Be sure to email Heather your questions and request topics you'd like her to cover here.
The war zones may be far away from the United States but many accountants are in the center of action. Valerie Bushell, corporate controller for BlueWind Medical, and Susan Speirs the CEO of Utah Association of CPAs say accountants may be deployed as part of the Armed Forces or work for companies who are based in war-torn countries.
They also discuss how they help refugees who come to the U.S. for political asylum or to escape the ravages of war.
You can follow this show on Instagram and on Facebook. And to see what Heather does when she's not talking money, go to her personal X (Twitter) page.
Be sure to email Heather your questions and request topics you'd like her to cover here.
If you are an entrepreneur, you need to have this skill. Chris Harding, Salt Lake County Auditor, and Susan Speirs, the CEO of UACPA, discuss accounting and the changing world of the tax field. It's not just for old, white men without a sense of humor anymore.
What role does A.I. hold in the world of accounting? And -- have you ever thought of Money Camp for your high school kids? Get more info from Susan Speirs HERE.
You can follow this show on Instagram and on Facebook. And to see what Heather does when she's not talking money, go to her personal X (Twitter) page.
Be sure to email Heather your questions and request topics you'd like her to cover here.
Flushable wipes aren't actually flushable. And neither are make-up removers and baby wipes. Leland Myers, Executive Director of the Wasatch Front Water Quality Council and Jill Jones, District Manager for Central Davis Sewer District explains how expensive these 'conveniences' can be for homeowners.
Our sewer pipes were designed for our sanitary needs. Not for items which don't break down over time, like so-called flushable wipes. And it's costing many cities over $3,000,000.00 a year of taxpayer money to fix. Learn how dispose of them properly.
To see all the items discussed in this episode, go to the video version of the podcast
You can follow this show on Instagram and Facebook. And to see what Heather does when she's not talking money, go to her personal X (Twitter) page.
Be sure to email Heather your questions and request topics you'd like her to cover here.
Many can't afford to stay 'fashionable' with the high prices of clothing. Fair Allen, apparel technical designer, has tips on how to get what you want for less, and in an ethical manner.
She says it can be as simple as using a capsule wardrobe. Shopping at thrift stores will also feel better on your wallet and keep clothes out of landfills.
You can follow this show on Instagram and on Facebook. And to see what Heather does when she's not talking money, go to her personal X (Twitter) page.
Be sure to email Heather your questions and request topics you'd like her to cover here.
Whether you have streaming services with auto-renewal, or multiple small add-ons to programs, you could be paying a lot more than you realize. Nick Wolny, Managing Editor with CNET, says Spring is a great time to review every subscription you have and get rid of ones you don't use very much or didn't realize the prices increased.
Nick also says it is so much easier to buy things. It only takes a swipe of a phone or a tap of a credit card and it doesn't hurt as much as when you write a check or pay with cash. Not paying close attention to all your swipes and taps can cost you a fortune in a very short time frame.
You can follow this show on Instagram and on Facebook. And to see what Heather does when she's not talking money, go to her personal X (Twitter) page.
Be sure to email Heather your questions and request topics you'd like her to cover here.
All species on earth work to support man through clothing, food and medicines. When they start going extinct we risk our own survival. That's from Lowell Baier, author of "Earth's Emergency Room: Saving Species as the Planet and Politics Get Hotter."
Baier says the loss of habitat through climate change and expansion of commerce due to population growth is the number one reason we are losing animal and plant life. And why the Endangered Species Act is critical to fund.
You can follow this show on Instagram and on Facebook. And to see what Heather does when she's not talking money, go to her personal X (Twitter) page.
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Designating a retirement account to go to a Trust after you die will trigger taxation upon death. Attorney Cathleen Gilbert, the owner of Gilbert Law Office, says retirement accounts should be willed to an individual instead. In order to be fully prepared, Cathleen says you should have a will, a trust, a power of attorney and a medical directive to make sure all your wishes are carried out without excessive delays or complications.
Susan Speirs, the CEO of Utah Association of CPAs, explains what a fiduciary is and why it's important to have one when it comes planning for the inevitable -- death and taxes. And do you know how many death certificates you'll need after your loved one passes?
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Even though most people know scammers are working to take their money, they keep succeeding. Colin MacDonald, consumer protection attorney for the Federal Trade Commission (FTC) in the Northwest Region describes a few of the top ways scammers come after your money.
To learn more about Imposter Scams go to:
ftc.gov/imposters
To sign up for scam alerts go to:
FTC.gov/consumeralerts
If you have been a victim of fraud or a scam contact the FTC at:
ReportFraud.ftc.gov or 877-382-4357
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Everyone says "don't open a scam email or click on a link in a text." But how do you know it's a scam without opening the messages? Host Heather Kelly explains a few ways to quickly identify those scam messages. She also has tips for those annoying phone calls from people asking for money or threatening police intervention.
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In order to avoid jealousy, hurt feelings, or not knowing what a loved one wants after they pass, it is extremely important to have a plan in place and discuss the transfer of wealth with your loved ones. That's from Lena Haas, the head of Wealth Management Advice and Solutions leader at Edward Jones. She says its important to separate your emotions from the Inheritance discussion by bringing in a third party, like a financial advisor.
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Beneficial Ownership Information, or BOI, is meant to put a stop to money laundering. However, it's estimated that 36 Million small business entities in the U.S. are required to file paperwork to register their companies with FINCEN -- or pay $591 A DAY if you miss the filing deadline.
Guests Brett Jensen, a Partner with Haynie & Company and Susan Speirs, the CEO of Utah Association of CPAs, explain what type of companies must comply with this 2021 federal law and which ones are exempt.
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Currently, shelters across the U.S. are overcrowded with dogs. But Holly Sizemore, the Chief Mission Officer for Best Friends Animal Society, says they are about to get inundated with cats and kittens as well.
Now is the time to spay and neuter both indoor and all outdoor cats as females are currently in heat and will start producing offspring within the next couple of months. There are Trap, Neuter, and Release (TNR) programs across the country to help pay for the cost of these procedures.
Sizemore says most pets in shelters are human causes, not because the animal is damaged in someway. Their adoption fees are much less expensive than buying from a breeder or pet store.
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Be thoughtful about the money you DO have. That's from Justin Janowski, coach and founder of Faith2Influence. He says the beliefs you hold about money -- good or bad -- can influence the amount of wealth you attain.
Justin says 50% of the world exists on only $2.00 a day. That means, the other 50% of the population has more money than we may we think we do. The stories we are telling ourselves about what money IS, could be what is holding us back.
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People need to rethink what a "starter home" looks like. That's from David Damschen, CEO of Utah Housing Corporation. The Vice-President of Financial Services for UT Housing Corp, Ariane Gibson says there are several programs available to help pay for rent or a mortgage, but agrees, rethinking the size of your home is important.
Susan Speirs, the CEO of Utah Association of CPAs, says the State and Federal programs available for low income earners do not affect their tax burden -- but they also won't get tax credits.
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Americans are now carrying a record amount of credit card debt more than One-TRILLION dollars. Lou Scatigna, The Financial Physician, says it's time we think about our finances they way we should about nutrition.
Lou also says women are better with money than men as a general rule -- and it's important that both people in a relationship have an equal understanding of their finances.
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Many companies around the world are changing where they put their own money based on Environment, Social and Governance rules. Marlo Oaks, the Utah State Treasurer, says this is the downfall of Capitalism. He says when corporations are required to change how they do business, it ties their hands from making even more money.
Guest host Andy Farnsworth from The Movie Show, and Susan Speirs, the CEO of Utah Association of CPA's both say it is important to keep informed of which companies are using the principles of ESG and decide if you wish to invest in them.
Rule number one -- be accountable for your decisions, both financially and personally. That's from the author of Prepping for Success, Anmol Singh. He says when you learn to stick to your word, wealth of all sorts will follow you.
Anmol is also a stock market trader and discusses how to get control of your emotions when the markets are going up and down.
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Are you a spender or a saver? Amanda Sharratt, the chief operating officer with Whitaker Myers Wealth Managers, says you can create the muscle for saving -- like she had to do as a spender.
Amanda says staying out of debt, especially during the holidays, starts with having a plan ahead of time of how much you can spend within your budget. A good tip is to sell older items so you have some extra cash to buy gifts.
Amanda also discusses where to start paying off your debt and why it's important to have an emergency fund.
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There are multiple ways to pay for higher education that don't include going into debt. Geoffrey Thomas Landward, the interim Commissioner for Utah System of Higher Education, says the "Keys to Success" app can show you how. He also discusses the Pell Grant, the Opportunity and Promose scholarships which are FREE.
Susan Speirs, the CEO of Utah Association of CPAs, also gets in on the discussion of filling out FAFSA forms for financial aid. Along with the importance of higher education; which doesn't always mean going to a college or university.
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From shipping scams to people trying to get you to pay for things with gift cards, fraudsters are coming after your money in droves. Roberta (Bobbi) Tonelli, an attorney with the Federal Trade Commission, says it's important to learn how to spot a scam and then report them at: ReportFraud.ftc.com
You can learn more about various scams at FTC.gov/consumeralerts.
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You can give as much money as you want to a charity. However, Wade Watkins a CPA and Partner at Squire, says only approved organizations qualify as deductions on your taxes.
Susan Speirs, the CEO of Utah Association of CPAs also has tips on making sure you send your money where you want it to go. And they both discuss the differences in cash vs non-cash donations.
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"The stock market is a grocery store for shares of corporate ownership. But it is restricted and requires a broker to shop." That's from Dan Calandro, a financial scientist. He says, contrary to popular teachings, you should NOT be fully invested and that only 15 different stocks are enough to out-perform the market.
Find out when Dan says is the best time to buy and sell and why having a smaller portfolio is better than a larger one on this episode. You can also get more information at his website LoseYourBroker.com and from his book Lose your Broker, Not your Money.
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More than 20 million people have stopped giving money to charities over the last two decades because of lack of trust. Thomas Tighe, the President and CEO of Direct Relief says there are websites you can use to find out if where you want to give is legit.
CharityNavigator.org and CharityWatch.org are two such sites. However, if you can't give money due to lack of funds this year, Tighe says there are other things you can do to help in this episode.
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This holiday season is slated to be the busiest ever for airports and airlines. Nicole Carriere, consumer travel expert with United Airlines, says planning ahead is your best bet to not get stressed. She says allow extra time for parking and getting through security.
Carrier says for Thanksgiving, the day before (Wednesday) is still the busiest for airlines. But since the pandemic, people's schedules are slightly more flexible so both Monday and Tuesday before Turkey Day are busier than ever before. Also, find out how United Airlines is using technology to help passengers if flights are delayed or canceled.
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Hiring an attorney for an injury claim typically gets you 3-times more money in compensation than without a lawyer. Jon Groth, a victim advocate attorney, says there are financial changes you can make before a problem arises to help you through unexpected accidents.
Injuries aren't always due to car crash or fall in a restaurant. Groth says vaccine injuries are a big part of his practice; and you should always use an independent insurance agent.
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Should people rethink the most common advice typically given by financial planners? Advisor and author, Derek Mazzarella discusses several ways to invest for retirement not usually considered. You can get more info from his book "Just Retire Already: An Unconventional Retirement Guide."
Tip #1 -- File a "Life Change" with the IRS when you retire or have big changes in your life, like disability, in order to help with Medicare payment rates.
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A new documentary "Shot in the Arm" discusses the myths and facts about vaccines. Academy award nominated producer and director, Scott Hamilton Kennedy, along with executive producer (and astro-physicist) Neil deGrasse Tyson, bring the film to life.
The film explores the money behind the anti-vaccine movement along with big pharma. Learn why director Scott Kennedy says "anti-vaxxers are not just corrupt, they are corrosive" in this episode.
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Plan on getting a minimum of 10 death certificates to deal with all the financial accounts (investments, insurance, savings, etc.) of your loved one. That's from Brad Barrett, partner and managing director at One Capital Management who also says it's extremely important to speak with your loved one's estate planner attorney and/or Power of Attorney to make sure everyone is on the same page.
Brad also says after the post-life celebration, you need to speak with Social Security Administration and credit facilities like Equifax and Trans Union. You'll also need to learn the rules about inheriting different financial accounts.
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The average household has $10,000 dollars in credit card debt, which totals over 1-TRILLION dollars nationwide. Susan Speirs, the CEO of Utah Association of CPAs, discusses ways you can slow the amount of debt you are charging.
HACK #1: Change the way you think about spending.
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If you are in or past menopause, you may have bleeding gums, increased tooth sensitivity and dry mouth. Sarah Chavarria, president of Delta Dental of California, says women need to speak to their dentists about their symptoms sooner, rather than later.
You can get more info about aging, menopause and oral health here.
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It's not what you do FOR your paycheck, it's what you do WITH it. That's from Sharon Lechter, CPA and author of "How Money Works for Women: Take Control or Lose It." She says it's important to make financial decisions with your brain, and not your heart.
Sharon and Heather also discuss how 99% of domestic abuse involves financial abuse and the importance of NOT having everything in joint names for credit reasons.
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Impersonator scams are on the rise. Kerry O'Brien, Regional Director of the Federal Trade Commission's Western Region, says more and more people are losing money to scammers who pretend to be from your bank, Amazon, or web protection services.
Kerry says do NOT click on any hyperlink sent to you via text or email. You can learn how to identify scams at Consumer.FTC.gov. And if you've lost money to a scammer you need to report to the FTC, here.
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The finance office of car dealerships make the most money off you when selling vehicles. Kevin Hunter, a consumer advisor in the car industry, says they are trained to throw on thousands of dollars of junk fees -- like window etching and destination costs -- when typing out your contract.
Don't fall for the lies many salespeople and finance officers try to get away with the next time you need to purchase a new or used vehicle. Get more help from The Homework Guy YouTube channel.
Best tip: Negotiate from the comfort of your own home.
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Studies show buying habits begin much younger than we think -- as young as 8 or 9 years of age. However, most parents and school teachers don't have a basic grasp on money matters to teach it to kids. Vince Shorb, CEO of National Financial Educators Council, says even states which require financial literacy in the schools are failing to meet minimum education standards.
Shorb says Financial Literacy is the one subject which benefits 100% of people, but is given the least amount of time in schools. On top of that, most teachers are simply given an outline of what to teach, but not the skills to explain it.
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Not every state in the U-S gives the same tax credits for military personnel. How do you know which state to file taxes in when you are transfered during the calendar year? And how is deployment income taxed?
Tackling these, and many other questions are Susan Speirs, CEO of Utah Association of CPAs; Derek Nelson - tax examiner manager & Steve Carlow - outratch training coordinator, both with the Utah State Tax Commission; and Brandon Olsen & Patrick Munson -- both partners and CPAs with Adams & Peterson, CPAs.
You can also get FREE help with your taxes at VITA.
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Going overseas for your vacation doesn't have to cost an arm and a leg. Kate Davis, Associate Producer for KSL Newsradio, says her two week vacation to Peru cost about $1500 - including airfare.
Kate says her best advice is to be open to places you may not have considered as 'bucket list' items to visit.
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Life insurance isn't always Death insurance. Vivian Weyll, found of Aria Financial Group, says a life insurance policy designed the right way with the right benefits can provide college funds for kids or retirement funds -- TAX FREE.
Weyll says you can also get a "Cash Back" policy which returns all the money you paid in if you don't die at the end of the policy's term.
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Are you getting the best deals at a Costco or Sam's Club over a regular food store? Dan Spindle, news anchor for KSL 5 TV, says there are 3-things you need to do to save money, no matter where you shop.
Dan and Heather also discuss if food delivery services are worth the cost.
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S.T.E.M. (science, technology, engineering and math) is touted as the they way for education and careers. Tami Goetz, director of Utah STEM Action Center, and Susan Speirs, CEO of Utah Association of CPAs, discuss why it's important to start teaching kids as young as 7-years old these courses.
They also discuss some of the negative problems associated with STEM. And where people of all ages can go to get hands on learning in areas of STEM to help your kids or older parents.
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Surviving our capitalist system requires having true joy and purpose. Quinn O'Briant, the "Joy Boss," says she faced a life of poverty and failure until she became INTENTIONAL about finding a different way to survive. Now she has a six figure income.
O'Briant teaches that the link between joy, money and purpose are closely related. She's offering $200 off her 10-week course on her website. Use the code "Sense" at checkout to get the discount.
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Insurance companies don't want you know this Hack. David Rosell*, president of Rosell Wealth Management says selling your policy is better than surrendering it, and losing all it's value.
David wrote the book "In the Know: Turning your Unwanted Life Insurance into Serious Cash" and explains what a 'Life Settlement' is and how it works.
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*David Rosell is President of Rosell Wealth Management in Bend. www.RosellWealthManagement.com. He is the author of three books. Find David's books at local bookstores, Amazon, Audible as well as Redmond Airport.
Investment advisory services offered through Valmark Advisers, Inc. an SEC Registered Investment Advisor Securities offered through Valmark Securities, Inc. Member FINRA, SIPC 130 Springside Drive, Ste 300 Akron, Ohio 44333-2431. (800) 765-5201. Rosell Wealth Management is a separate entity from Valmark Securities, Inc. and Valmark Advisers, Inc. Valmark Securities supervises all life settlements like a security transaction and its’ registered representatives act as brokers on the transaction and may receive a fee from the purchaser. Once a policy is transferred, the policy owner has no control over subsequent transfers and may be required to disclosure additional information later. If a continued need for coverage exists, the policy owner should consider the availability, adequacy and cost of the comparable coverage. A life settlement transaction may require an extended period to complete and result in higher costs and fees due to their complexity. Policy owners considering the need for cash should consider other less costly alternatives. A life settlement may affect the insured’s ability to obtain insurance in the future and the seller’s eligibility for certain public assistance programs. When an individual decides to sell their policy, they must provide complete access to their medical history, and other personal information. Client name has been changed to protect confidentiality. The gross offer will be reduced by commissions and expenses related to the sale. Each client’s experience varies, and there is no guarantee that a life settlement will generate an offer greater than the current cash surrender value.
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Estate planning doesn't have to be intimidating. David York, attorney, CPA and estate planner with York Howell, says most of the time it simply comes down to taking a few steps.
David also discusses how to avoid probate -- or expensive costs surrounding settling an estate.
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National and statewide studies show women and girls are not thriving in critical areas. Emily Darowski, associate director of Utah Women in Leadership Project, and Susan Speirs, the CEO of Utah Association of CPAs, discuss why it's important to your pocketbook and companies bottom lines, to have more diversity, equity and inclusion.
Emily says "as more and more women and girls thrive, so will families and communities." The project A Bolder Way Forward is designed to help women out of domestic violence, sexual assault, child sexual abuse, and gender-based discrimination situations.
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Scammers use your emotions, instead of logic, to gain your trust. That's from Rob Woellhaf, vice-president of fraud management at Mountain America Credit Union. He says awareness of the tricks fraudsters use will help prevent you losing your money.
HACK: NEVER give out your user name and password to any person for any reason, whatsoever. You can get more information at scams.utah.gov.
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You MUST enroll in Survivor Benefit Plan THIS year if you are a military retiree and haven't already. Retired Brigadier General Mike Meese, says this is a one-time allowance Congress has approved.
Mike Meese is also President of AAFMAA (American Armed Forces Mutual Aid Association) and explains what the Thrift Savings Plan (TSP) is and how military 401k programs work. Children of deployed service members should contact AAFMAA.com to get information about their benefits.
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True wealth isn't always about money. Financial expert, Debra Schatzki, co-founder of BPP Wealth, says most of the time it's about your values.
Debra also explains unless you identify WHY you want financial change in your life and align your values to match, your wealth cannot grow.
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As if personal scamming attacks weren't bad enough, author Rob Doctors, says Corporate Greed is taking advantage of consumers as well. As author of the book "Ethics and Hidden Greed" Rob discusses five strategies of greed to understand in order to avoid getting scammed. HACK: Social media makes it easier to become a victim.
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Doing your homework is the key to getting the best price on airfare, hotels, or even deciding if a 'stay-cation' is best for your budget. That's from Susan Speirs, CEO of Utah Association of CPA's.
Susan also explains when it's ok to write vacation expenses off on your taxes.
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Prenuptial agreements will help set expectations so no one is surprised after the wedding. That's from Teddi Ann Barry, family law attorney with Divorce in Colorado. She says we need to think of prenups as an insurance policy, not as a guarantee a marriage won't work.
Teddi Ann also discusses when you should update a prenup and getting a postnup agreement after the wedding.
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The finance office of car dealerships make the most money off you when selling vehicles. Kevin Hunter, a consumer advisor in the car industry, says they are trained to throw on thousands of dollars of junk fees -- like window etching and destination costs -- when typing out your contract.
Don't fall for the lies many salespeople and finance officers try to get away with the next time you need to purchase a new or used vehicle. Get more help from The Homework Guy YouTube channel.
Best tip: Negotiate from the comfort of your own home.
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"We don't get into debt by doing the math." That's from finance guru Dave Ramsey who says getting out of debt, and then creating wealth, is about your behavior. Dave, and co-host of the Ramsy Show, George Kamel, explain how tens of millions of people have turned their lives around financially by taking 'baby steps.'
George also goes over the questions you need to ask yourself before making any purchase. He calls it the S.M.A.R.T. system.
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To get a free copy of The Total Money Makeover, email Heather the reasons why you need to learn how to become debt free, here. The first 3 people who send email will receive the book in the mail.
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Not being prepared for life finances will get you into trouble, no matter what stage you're in. Jay Wells, with Drive Wealth Advisers and Susan Speirs, the CEO of Utah Association of CPAs say the worst thing you can do is pull out money early from a retirement fund to pay for everyday needs.
Learn which type of 'retirement ratio' your advisor is talking about and if starting a Roth IRA in high school is too early.
Call 211 if you need help buying groceries or housing and stop contributing to retirement funds, TEMPORARILY, if you're facing financial difficulties during inflationary times. These are just a few tips in this episode.
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Whether your just starting to lower your spending or feel stuck in the process, Andrea Woroch, a money saving expert, has some quick ideas to get you going -- from reducing your household bills to lowering your car insurance.
Andrea and Heather have some ideas to spark your creativity into keeping more money in your wallet. Andrea also recommends checking out the Experian webpage for more hints.
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Know where your money is going is one of the top ways to be financially healthy. That's according to Christine Channels, head of community banking with Bank of America. She says you need to get educated about personal finances.
She also discusses how to know if your bank is secure and why using one that states they are FDIC Insured is so important. You can learn more about your own financial health at Better Money Habits.
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FREE help is available to help with your rent, pay for groceries and child care assistance -- but you have to ask. McKenzie Walsh, certified financial counselor at NeighborWorks Salt Lake, says if you don't know how to fix your car you go to a mechanic. You should think of your finances the same way -- but payday loan centers are predatory and will steal even more of your money.
Susan Speirs, CEO of UACPA, says using a pay day loan center will cause more financial stress in the future than you are dealing with right now. You can reach out to 2-11 Services by phone, email or text and also Housing and Urban Development for help.
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Replace $4.50 lb beef with $0.99 lb lentils at least once a week. That's just one tip to save money at the grocery store from cookbook author Toni Okamoto. In this episode Toni discusses how to save while shopping, meal planning, and storage tips to not waste food.
You can get more information about how to get past living paycheck-to-paycheck in her cook book "Plant-Based on a Budget, Quick & Easy."
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You should respect debt, not fear it. That's from Chris Miles, a cash flow expert. He says getting rid of duplicate types of insurance you may be paying for is one way to free up extra cash.
In this episode you'll hear several other tips Chris, who calls himself an anti-financial adviser has for finding money you didn't know you had. You can get more info on his podcast.
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Historical stories can teach people how to invest better. That's according to Patrick Huey, the owner of Victory Independent Planning. Huey says one lesson we have not learned is "making more money creates inflation." The adage comes from a story 600 years ago about mathematician Copernicus in his book "History Lessons for the Modern Investor."
Huey also discusses his 7-Pillars of Financial Wisdom when searching for the right financial advisor for you.
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What you believe about money affects your financial decisions. That's from Ben Hockema, founder of Illiuminate Wealth Management. He says you need to know yourself better to understand how you deal with money.
Ben also explains the "FIRE" movement, five categories to better manage your cash slow, and why financial planners have the same love-hate relationship with budgets the rest of us do.
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It's more important than ever to find ways to save as much money as possible. Marlo Oaks, the Utah State Treasurer and Susan Speirs, CEO of Utah Association of CPAs, say paying down debt and changing your behavior about spending are key.
Oaks also says Utah revieved $77 MILLION dollars in unclaimed property last year
(mycash.utah.gov). The U.S. has over $68 Billion dollars of money that people forgot is theirs. FInd out how to see if some of it is yours.
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If you are trying to make money through social media platforms, you may be required to sign 'personal conduct clause.' Attorney Desiree Talley specializes in entertainment law and says how influencers conduct themselves in their personal lives can affect how much money they do or don't make.
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Writer and director, Marvin Samel, brings the story of his family, portrayed by Judd Hirsch, Carol Kane and Sean Astin, to life in the film iMordecai.
Actress Azia Dinea Hale and Marvin discuss the film. It's based on true events and covers the struggle for some seniors to adjust to current technology, to make a living, connect with their U.S. born children, and let go of the worst parts of their past, while remembering those who were left behind.
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BEST OF EPISODE: Knowing the signs your parents need help is just the first step. Chris Orestis, President of Retirement Genius, says the entire family needs to be on the same page when its comes to their healthcare and financial needs.
Find out how much it could cost for nursing home care, and if it's covered by Medicare. Hint: it usually isn't.
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The deadline to file your 2022 Tax return is April 18, 2023. But just because the filing deadline is delayed a few days, doesn't mean you should wait.
The CEO of Utah Association of CPAs, Susan Speirs, and Chett Campbell, senior manager at Eide Bailly say the sooner you file the less likely you are to have someone you don't know file 'on your behalf' and steal your refund.
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You may not have control over natural disasters, but there are several things you can do to mitigate the cost of them. Katherine Fox, Deputy Regional Director Adminstrator for FEMA in Region 8 discusses a few things to consider by going to this website.
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If you already make your own lattes at home, going to the next level with the artwork won't cost that much more. World renown artist, Michael Breach, taught Coffee Latte Art classes at Stanley Creator’s Lounge at The Cabin during the Sundance Film Festival.
Michael says it's a fun way for visitors to channel their best "Bob Ross" painting and warm up from the cold while waiting for the next Sundance event.
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Filmmaker, Ella Glendining born with a rare disability, wants abled people to calm down and ask what people with disabilities need. She says the disabled should be celebrated and not made to feel less than others -- which happens in today's society.
She brings her journey of trying to find someone who looks like her to calling out 'Ableism' in her documentary "Is There Anybody Out There?" to the Sundance Film Festival.
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The lack of free press isn't just an issue in foreign countries. The documentary "Bad Press" now playing at the Sundance Film Festival, covers the topic on U.S. soil.
Directors Joe Peeler and Becca Landsberry-Baker delve into the Muscogee Creek Nation in Oklahoma whose leaders repealed their own free press law in 2018. Reporter Angel Ellis was fired for doing a story about some questionable actions by tribal leaders.
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It costs a lot of time and money to become a classically trained pianist. But Jakub Piatek, director of the film "Pianoforte," says it's about sharing the music and your emotions of your favorite composer at the "Olympics of piano playing."
His documentary follows six young competitors in the most prestigious contest in the world -- International Chopin Piano Competition. It is only held once every 5-years for people between 16 and 30 years of age; and the stress is unbelievable.
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Director Matthieu Rytz wants audiences to get mad. His documentary "Deep Rising" - narrated by actor, Jason Momoa - discusses companies wanting to "mine" the bottom of the ocean for minerals. Contributor Dr. Sandor Mulsow says the bottom of the seas is holding 20,000 years worth of CO2 -- a key greenhouse warming gas. For profit companies want to disturb the gas in order to mine minerals to use in batteries.
Dr. Mulsow is asking all Americans to tell President Joe Biden to sign the Convention of the Law of the Seas.
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The fight to retain native language and customs among Indigenous Peoples is still on-going. In the documentary, Twice Colonized, writer Auju Peter has been fighting for 50-years to reclaim what she lost when she was colonized by Denmark from her native Greenland and by Canada when she moved there.
Director Lin Alluna and Producer Emile Hertling Peronard bring Auju's story to light at the Sundance Film Festival.
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When you see yourself portrayed on screen, people are more likely to believe "it's possible for me." That's according to Julie Ann Crommett, Founder and CEO of Collective Moxie.
Julie Ann says as more and more studios begin telling diverse stories, they see bigger profits as more people pay money to see themselves represented.
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Acts of violence against Asians during the pandemic led to the formation of The Asian American Foundation. Norman Chen, the CEO of TAAF, says one their main goals are anti-hate, education, narrative change and unlocking resources.
This is the first year that Asian Pacific Islanders have their own meeting house at the Sundance Film Festival.
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The Constitution of Utah requires it to have a balanced budget every year. President Stuart Adams of the Utah State Senate and Susan Speirs, CEO of Utah Association of CPA's, discuss some issues the legislature will be tackling in this year's session.
They say water conservation, the tax on food and school choice will be among the top 3-issues. But there are many other topics - like affordable housing and energy infrastructure - up for debate, both in Utah and across the country in many legislatures.
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More than 2-million women were still out of the workforce last year. Robbyn Scribner, co-founder and director of Outreach at Tech Moms, helps transition women into new careers.
Robbyn also says building a woman's confidence and belief in herself is at the core of getting back into the workforce.
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Financial experts say education is the key to getting out of poverty. Tony Bradshaw, the author of the book, The Millionaire Choice, says it has to be the RIGHT education. He says it took him 90-days to turn around his bad spending habits and work out a millionaire plan.
Bradshaw says once you change your mindset to no longer live paycheck-to-paycheck, you then need to make a plan to achieve wealth and abundance.
It includes breaking down your income to: Living money, Wealth money, Play money, and Others money. He also gives a free hour to people for coaching.
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Financial advisors can follow high or low standards when it comes to representing their clients' money. Bradley Clark, the founder of Clark Asset Management, says looking for a Fee ONLY advisor is the first step to getting an ethical one.
Bradley also has a book "Be the Bird" to give away to the audience. Listen to the podcast on how to qualify, then go to bradleyclark.com/podcastoffer to get your copy.
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If you want to give to charity and have it apply to your taxes, you need to donate before December 31st. That's from Andrea Winkler, a partner at Davis & Bott CPAs, and Susan Speirs, the CEO of Utah Association of CPAs.
Contributing to an IRA or HSA can also reduce your tax burden. But have you heard of a 'circuit breaker credit?' Winkler explains how it can help those in the lower income tax brackets.
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It's not all bad news regarding the rising interest rates. Jeremy Blair, the VP of Finance and Mountain America Credit Union, says banks are increasing the rates they pay out in both savings accounts and CD's.
Find out why it's important to make sure your banking institution is either FDIC or NCAU insured -- and what the difference is.
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This episode of "Money Making Sense" is sponsored by Comcast
If you think you have fast internet speeds right now, just wait--because they could be as much as ten times faster within just a few years, according to Elad Nafshi, the Chief Network Officer for technology giant Comcast.
Nafshi joins guest host Andy Farnsworth to talk about the road to 10G, as well as an immediate availability for double the current broadband speeds for Comcast customers in the Salt Lake area.
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One out of every 4-children are being sextorted. Stephen Peek and Maria Peek are the co-producers, director and cinematographer of the documentary, Sextortion: The Hidden Pandemic. They discuss how to protect your kids from predators and how sextortion is 1000-times more prevalent than human trafficking.
If any of your kids, or their friends are being exploited, contact the Cyber Tipline. More than 80,000 cases a day are reported of sextortion. But occurances of this crime are up to 300-times more prevalent than what is known.
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This episode was recorded before a Federal Judge put a hold on President Biden's Studen Loan Forgiveness program
Currently, everyone with a student loan will need to begin repaying them starting January 1, 2023. However, Brian Walsh, financial planner with SoFi, says there is a new loan program tied to your discretionary income. The payments will be much lower than previous student loans.
The government could also subsidize paying interest on your student loans if you qualify.
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Whether you already have student loans or are getting ready to apply, there are ways to minimize your costs. David Green, the CEO of Earnest, says they want to support students in whatever path they choose to set them up for success.
You can also get help applying for scholarships at GoingMerry.
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Whether you rent or are looking to buy, there is help available to afford both. David Damschen, president of Utah Housing Corporation and Susan Speirs, the CEO of Utah Association of CPA's explain some of the programs and tax breaks.
HACK: Buying a modular or manufactured home could be less expensive or renting an ADU can be affordable.
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Financial expert, Radhika Duggal with finance app - Super, discusses ways to improve your credit score. She talks about mistakes to avoid and using tools like a debit card called Super Cash which allows people to build up their credit without going into debt.
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Overcoming financial abuse starts with understanding what it is. Stacy Francis, certified divorce financial analyst at Francis Financial, says it comes in many different forms. But all of them can lead to physical abuse.
Anyone needing help can call the Domestic Hotline at: 1-800-799-SAFE (7233).
Safe Horizon is another 24-hour hotline where you can seek help: 800-621-HOPE (4673).And Savvy Ladies is an organization formed by Stacy Francis dedicated to empowering women to take control of their finances by providing a professional network of support & guidance for FREE.
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If you are planning to travel and check out famous arwork, travel guru and author, Rick Steves, says learning more about what was happening when the art was created will give you a better appreciation of what you see.
Rick's latest book "Europe's Top 100 Masterpieces" and his latest PBS series "Art of Europe" will help you understand history and appreciate the art -- and it's free!
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Travel guru, Rick Steves, says doing your homework before you leave home will save you time and money.
Tip 1: Don't hit the big tourist areas during the peak hours. Either go early in the morning or late in the afternoon, or travel during the off-season.
And find out how much Rick says you should pack no matter if you travel for 7-days or 30-days.
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Knowing how you feel about money is the first step to fixing financial issues you may have. Joyce Marter, author of The Financial Mindset Fix, says 16% of all suicides are financially driven. And money is the top reason partners have fights.
Marter says people typicaly fall under one of 4 categories when it comes to how they think about their finances: Money Status, Money Worship, Money Avoidence or Money Vigilence. And the goal is for everyone to move to Money Vigilence.
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Robert Spendlove, senior vice president and economist with Zions Bank, says Alexander Hamilton ideas are why the Washington DC is able to continually raise our debt ceiling and not run the government's finances like we run our households.
Hamilton's plan was for the government to buy all bonds issued by both the national and state governments before 1789. And then to issue new bonds to pay off the old debts.
Susan Speirs, CEO of Utah Association of CPAs, says we need take personal responsibility for how we save and spend our money. And get out and vote if you want to change what's happening in Washington DC.
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Guest David Rosell, president of Rosell Wealth Management, follows the adage of "failing to plan means you're planning to fail." Especially when it comes to retirement.
He says we need to think of investing in the stock market like we do buying groceries. When prices go down (on sale) on food, people buy more. But when prices go down on stocks, people run. David says we should always buy more stocks when they go on sale.
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Most college students today will need help to fund their education. So says Brad Baldridge, the founder of the website, Taming the High Cost of College. He says paying for higher education will hurt, but it can hurt less if planned well.
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The more money you have for a downpayment the lower your interest rate can be. That's from Kara Loftus, vice-president of mortgage services at Mountain American Credit Union. She says putting your house-buying plans on hold is a viable option until you have sufficient funds.
If you are in the military or a veteran, you could qualify for zero-down home mortgage. There are also 100% home loans available for first-time buyers; but you will need to cover the fees for taking out a loan.
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If milk prices rose at the same rate as medications, a gallon would cost $13. That's from Bill Sweeney, the Senior Vice President of Government Affairs at AARP. He says the newly signed Inflation Reduction Act is putting a cap on out-of-pocket expenses, especially for those on Medicare D plans.
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Most people spend 11 hours researching new televisions, and 1-hour choosing health insurance. Todd Valentine, Senior vice-president of Employee Benefits at Beehive Insurance that's why people leave money on the table.
Susan Speirs, the CEO of Utah Association of CPAs, says there are health care options, like HSAs which can help you on your tax returns, and into retirement.
Also find out where to go if your don't have insurance through your employer on this episode. You can follow this show on Instagram and on Facebook. And to see what Heather does when she's not talking money, go to her personal Twitter page.
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Moving to a car-loan from a lease may be much less expensive than any new or used vehicle sitting on a lot. So says Zander Cook, the co-founder and COO of Lease End.
He says not only is the $500 disposition fee for turning in a leased car waived when you buy it, the amount you've already paid on your lease has given you equity you can use to sell or buy the car.
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The SEC is not only putting out twice the amount of rules and updates as the previous two White House Administrations, they've shortened the time allowed to review them. Ken Bentsen, President and CEO of SIFMA, says rushing through multiple proposals simultaneously, without understanding their effect on each other, increases the possibility of bad outcomes.
Bentsen wants the SEC to focus more on security to prevent data breaches which can harm individuals and slow down their 'fast and furious' rule making.
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Alimony is not a punishment or an entitlement. It's a spousal welfare program so the government doesn't have to pay. That's from Jonathan Winn, litigation partner at Cordell Law.
He says the most important thing to do before meeting with divorce attorneys is to figure out ahead of time the changing needs of monetary support throughout the years, especially as recessions come and go.
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Supply chain issues could fuel inflation for another year. That's from Phil Dean, chief economist at the Kem C. Gardner Policy Institute and Susan Speirs, CEO of Utah Association of CPAs. They say having a financial cushion is the only way to survive.
Dean says raising interest rates is bringing down inflation, but says The Feds should've started doing this in April of 2021. He says people had too much money last year and they were chasing too few goods, which created our inflation problem.
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People of color show more interest in owning homes than ever before. However, Lee Anne Adams, Senior V.P. of National Initiatives at NeighborWorks America, says most don't believe they have enough downpayment to buy (which may not be true).
Lee Anne says home ownership is the key to wealth building and passing the wealth on to future generations. She has tips to getting financial prepared and information on how you can buy affordably.
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Now is the best time to shop for what your child needs to go back to school. Rina Hurst, chief business officer with Shipt says the sooner you start, the more likely retailers are to have items on sale.
Money Making Sense listeners can get free shipping for their first order with Shipt by using the code -- GETSHIPT. Find out what the most important items are for your school age kids and for those heading out to college in this episode.
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U.S. Secretary of Transportation, Pete Buttigieg, spoke with host Heather Kelly face to face during his trip to Utah. They talked infrastructure, climate change and jobs. The $1.2 Trillion dollar infrastructure law will spread out the funds over a 5-year period across all 50-states and 14-US Territories.
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Now is not the time to buy a new car or put purchases on credit cards. Brian Walsh, a SoFi Financial manager, says taking on less risk is the best way to survive inflation and/or a recession.
Find out if you should prioritize building your savings account or your investments during this episode.
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Grow, adjust or die -- as a company. That's from Carly Hazen, managing director at recruiting firm Prince, Perelson and Associates. She has tips on how businesses should use 'Best Practices' to attract and hire the best candidates.
Susan Speirs, the CEO of Utah Association of CPA's says employees also need to be prepared. They should maintain professionalism and not 'ghost' interviews but also do their homework on which companies will provide most of what they need to have a good work/life balance.
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If you want to know how to survive the recession, Michael Stevens, the founder of Capital Wealth Advisors, says having enough money tucked away for emergencies is how.
Michael says taking advantage of free retirement funds -- like your employers matching 401k is just one way to do it. And you can go to RetireUtah.com to get more information.
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If you have mysterious health issues, it may be due to mold in your home. Michael Rubino, author of "The Mold Medic" says mold can cause brain fog, breathing problems and neurologic symptoms -- just to name a few problems.
Michael discusses how to prevent getting mold in the first place and what not to do if you already have it. HINT: don't use bleach to try and get rid of it.
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If a professional can't explain financial terms in a simple way, it's their problem, not yours. So says Nicholle Overcamp, the CEO of Wilcox Financial Group. She is also a financial coach with PowHERhouse Money Coaching.
Nicholle says many times women are intimidated to ask deeper questions about their money, because some men want to tell others what to do or simply show how much they know, instead of explaining the process.
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Diversity, Equity and Inclusion (DEI) can increase your wallet. Paul Skeen, the co-chair of the National DEI Counci with Eide Bailly and Susan Speirs, the CEO of Utah Association of CPAs discuss the advantages of including people from many different backgrounds, including race, gender and military service.
Skeen says profits at Eide Bailly more than doubled after they began including more women among into partnership and corporate roles.
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Are you ready for company at your home? Bobby Berk, designer and tv host of Queer Eye on Netflix, has tips to make your space inviting. He says you can spend thousands of dollars, but you can also spruce things up on the cheap as well.
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Host Heather Kelly goes through some of the scam texts she's received. Is there a pattern you can use to identify possible scams you get on your smart phones? Also find out what to do if you click on link you shouldn't have.
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Don't lease, rent or buy an electric vehicle. Scott Painter, the founder of Autonomy, says subscribing to drive an EV is the cheaper way to go.
He says having a subscription does not require a credit check and can lower the average monthly cost of Tesla Model 3 from $600 to $490. And he says some EVs could be as low as $200 per month.
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Entrepreneur, Antoine Campbell, say teaching kids NOW to exercise their brain muscles by learning about money and finance, will set them up for future success.
He says something as simple as a lemondade stand can be turned into a learning lesson. Hear about it in this episode along with some other tips.
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Les Robinson, the author of Protecting Your Money from Medicaid & Nursing Homes, says falling is the number 1 way to lose all your money.
Find out why he says don't wait until you are in the 5th month of a nursing home before you realize you're in financial trouble.
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Did you recently meet someone new online, either through social media or a dating sight? Francswai Grayson, the communication outreach manager with the Utah Division of Securities, says if they ask you for money -- DON'T give them any.
Susan Speirs, the CEO of Utah Association of CPA's, says you also need to be wary of those in positions of trust, if they try to get you to invest in a business oportunity or say they can "guarantee" a certain return on investment.
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More than 25% of Americans have given or received a gift card which had no value. Kathy Stokes, director of fraud prevention with AARP, says gift cards are big business for scammers.
Learn how to spot a scam on the AARP Fraud Watch Network. And see a list of the most common scams on the AARP Fraud Prevention website.
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Part 2: The man who attacked figure skater Nancy Kerrigan, Shane Stant, will always be known as a former felon and it limits his job opportunities. His sister, Maile Stant, only knew him as a protector while she was growing up and has a rewarding career.
Filmmaker Justin Kawika Young brings this story to the screen in the documentary, "My Hero, the Hitman." Shane and Maile talk to host Heather Kelly about how abuse in their household led each of them down different paths, financially and morally. Justin explains why he wanted to tell this story after meeting Maile.
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[Photo insert courtesy of ABC News.]
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The man who attacked figure skater Nancy Kerrigan, Shane Stant, will always be known as a former felon and it limits his job opportunities. His sister, Maile Stant, only knew him as a protector while she was growing up and has a rewarding career.
Filmmaker Justin Kawika Young brings this story to the screen in the documentary, "My Hero, the Hitman." Shane and Maile talk to host Heather Kelly about how abuse in their household led each of them down different paths, financially and morally. Justin explains what led him to tell this story after meeting Maile.
You can follow this show on Instagram and on Facebook. And to see what Heather does when she's not talking money, go to her personal Twitter page.
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[Photo insert courtesy of ABC News.]
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Humans are not good with uncertainty. Dr. Benjamin Granger, organizational psychologist with Qualtrics XM Institute, says being uncertain at work, and in life, will make people unhappy faster than any thing else.
Even though the pandemic did bring a lot of unknowns, A Qualtrics survey found many people are better off financially than ever before. But their stress levels also changed, so they may not be as happy.
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Are you throwing your money away to the IRS? Susan Speirs, the CEO of Utah Association of CPAs, says there's ONE really important thing you can do to keep that from happening.
Susan also says the IRS has FREE tools available on their website to help you reduce your tax burden. But if you can afford it, getting help from a CPA is the best thing to do.
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The Federal Reserve is attempting to balance increased inflation and interest rates. Michael Stevens, president and founder of Capital Wealth Advisors says raising interest rates is a way to bring down inflation. But people need to be prepared.
Find out the difference between the Avalanche Method and the Snowball Method when it comes to paying off your debt in order to free up more cash flow.
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April is Financial Literacy Month and learning about money can be fun and enjoyable. Jayne Ellegard, a wealth speaker and coach, teaches ways to make personal finances anything but boring, especially for women.
Jayne is also the author of "Financial Empowerment for Women: Your Guide to Courage, Confidence & Wisdom" and says we can start by using more welcoming words about money.
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Knowing the signs your parents need help is just the first step. Chris Orestis, President of Retirement Genius, says the entire family needs to be on the same page when its comes to their healthcare and financial needs.
Find out how much it could cost for nursing home care, and if it's covered by Medicare. Hint: it usually isn't.
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Should you cash in your IRA first or start taking Social Security when you retire? Becki Schreyer, managing director of BKD, and Susan Speirs, CEO of Utah Association of CPAs explain what is best to reduce your taxes after you give up going to work.
Also find out what can happen if you continue to work after you start drawing your Social Security benefits.
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Making more money at work or even having better relationships means not stealing who you are. Life coach Jessica Pilgrim, says if you want to attract wealth, of any type, you need to use all your senses to visualize it.
Jessica says the first step is to identify the voice in your head which says you can't or you aren't good enough. Then start replacing it with a positive voice. She says the negative thoughts are stealing your true identity.
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The Great Resignation has many opting to go into business for themselves. Michael Brette, founder and CEO of Small Cap Equity Advisors, guides people to succeed in their venture.
Learn why you should look at 'Funding Platforms' like SeedInvest Technology or Indiegogo and what the pitfalls are if you are thinking of investing in a start-up company.
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Could you turn control over to a self-driving car? David Pogue, Emmy-winning technology and science correspondent for CBS Sunday Morning has -- and he wants everyone else to do the same. Find out what David thinks is the biggest downfall to technology and where he thinks society is headed.
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Blaming others in the workplace for your failures does not bring feeling of trust with co-workers and your bosses. Joyce Marter, psychotherapist, and author of "The Financial Mindset Fix," explains how to start changing the way you think about yourself to get ahead in your job, and in life.
Joyce also discusses aiming high with your goals but having realistic steps to actually reach them.
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Do social media influencers have the education to give proper financial advice? Jeff Jones, the director of financial planning at Longview Financial Advisors, lists some red flags to know before following the advice of someone speaking to the masses and not directly to you.
To find a financial planner that is right for you go to NAPFA.org.
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The Earned Income Tax Credit (EITC) was expanded in 2021. Mike Criddle, memeber of UACPA and a tax partner at Eide Bailly, explains who qualifies and who doesn't.
Find out how you might be able to use your income from 2019 to get a more money from EITC when you file your taxes this year.
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Start using your rewards cards wisely. That's just one hint from Catey Hill, commerce editor with MarketWatch. Catey and Host Heather Kelly also discuss what to do if you have medical bills and clipping coupons.
If getting a second job working from home looks like a possibility, make sure it is legit. If a company asks you to pay money upfront to start work -- it's a scam. Here are a few legit opportunities:
Opinon Outpost -- get paid for your opinions SecretShopper -- the original secret shopping site Virtual Vocations -- data entry
Zirtual -- Virtual Assistant
Copify -- Freelance Writing
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Pharmacies are already giving various vaccines, they could potentially diagnose and treat high blood pressure, strep throat and a variety of other ailments.
Dr. John McHugh, Health Policy and Management at Columbia University, says much of your basic medical care could be done by your local pharmacist in the the future.
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Tax season is underway. Did you receive Advanced Child Care Credits? Do you have a new baby or get a divorce? These are just a few of the reasons you may need to hire a Certified Public Accountant.
Susan Speirs, the CEO of the Utah Association of CPAs, explains why this year is so important to get the right advice and plan ahead.
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Do you read all the possible side-effects when you buy prescription medications? Does your doctor tell you? Lynn Cunningham, the co-producer and director of "Medicating Normal" on PBS takes a hard look at when the trillion-dollar medicine industry intersects with people in distress.
Angie Peacock, a former Army Sergeant, is one of the subjects of the film. She says she, and so many others, were never told about the long-term affects of anti-depressants or what happens when you try to quit them.
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The number disabled by mental health illness doubled since the introduction of Prozac in 1987. Lynn Cunningham, the co-producer and co-director of "Medicating Normal" on PBS takes a hard look at when the trillion-dollar medicine industry intersects with people in distress.
Angie Peacock, a former Army Sergeant, is one of the subjects of the film. She says she, and so many others, were never told about the long-term affects of anti-depressants or what happens when you try to quit them.
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A group of women of a "certain age" are dancing their way through retirement. Producers Maria Loohufvud and Love Martinsen bring their story to the Sundance Film Festival. The group call themselves "Calendar Girls."
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First-time filmmakers Victor Gabriel and Duran Jones bring this short-film, Hallelujah, of two men having to decide if they should raise their niece and nephew after their parents die to the Sundance Film Festival.
Writer/director Victor Gabriel says he wanted to bring the issue of black men making this choice in the socio-economic times in which they live.
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In a state with the lowest COVID-19 vaccination rates in the United States, one woman in a poor, rural community is able to get 99-percent of its residents injected.
Rachael DeCruz, the co-director and co-producer of "The Panola Project," brings the story of Dorothy Oliver who knocked on doors and made dozens of phone calls to bring the community together.
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Pharmacy Benefit Managers (PBMs) are pouring gas on a fire they were hired to put out. That's from Antonio Ciaccia, president of 3 Axis Advisors.who says PBMs have conflicts of interest in the drug chain and are collecting the discounts meant for consumers.
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The entities charged with negotiating better drug prices for consumers are pocketing the savings for themselves. Antonio Ciaccia, president of 3 Axis Advisors, explains how these little-known Pharmacy Benefit Managers (PBMs) became Fortune 15 companies.
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Host Heather Kelly wants to know what you want for 2022. Send her an email with what you want to know more about in the New Year. Anything from how money affects your relationships to how to save money on a fixed income to how trade with China affects your life and everything in between. Let Heather know what it is that interests you on the money front.
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The Advanced Child Care Credit is the subject of Part Two of 'preparing your taxes.' Guests Jason Baxter, the senior manager at WSRP, and Susan Speirs, the CEO of UACPA, explain why you may receive a 6149 letter from the IRS.
Susan also discusses why you might have to pay back some or all of what you received from the Advanced Child Care Credit payments between July and December of 2021.
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It's never too early to start preparing your tax returns. In Part One, Jason Baxter, the senior manager at WSRP, and Susan Speirs, the CEO of UACPA, explain how a new tax law can help reduce your tax burden without having to itemize. But you need to give before the end of 2021.
And, women can now add menstrual products to their medical expenses to write them off of their taxes as well.
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Self-directed IRA's can open your retirement fund to more than just stocks and bonds. Bill Neville, the business development manager of The Entrust Group, says it's a great way to add rental properties and precious metals to your portfolio. However, there are rules and many people make mistakes because they know what they are.
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Talking to your parents about end of life choices is never easy. Cameron Huddleston, the Director of Education and Content at Carefull, says sometimes you need to approach them from a different point of view.
Instead of being direct, ask how their retirement is going and see how the conversation can unfold. Cameron also says monitoring your parents accounts can be extremely helpful. Hear more tips in this episode and from Cameron's book "Mom and Dad, We Need to Talk: How to Have Essential Conversations With Your Parents About Their Finances."
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Not using your employers matching funds to the fullest is the biggest mistake you can make. That's from Dan Beck, the co-founder and CEO of 401GO, who says you can double your retirement contribution
Dan also says not contributing to a 401k plan as soon as you're able is the second biggest mistake.
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No matter what the person's story -- NEVER pay anyone with a gift card. That's from Christina Miranda, the senior project manager and consumer education specialist with the Federal Trade Commission. Go to: FTC.gov/giftcards for more information.
Christina also discusses on-line shopping scams. What are some of the red flags and how can you get your money back? If you spot a scam, or are a victim of a scammer, go to: ReportFraud.ftc.gov.
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Inflation is tightening everyone's wallets -- just in time for the holidays. McKenzie Walsh, certified personal finance coach with the Fair Credit Foundation has tips on how to make it through this year; including spending within your means.
Susan Speirs, the CEO of Utah Association of CPAs, says we need to change our spending behaviors. Especially as the cost of groceries is nearly triple from just two months ago.
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Is it better to get a high deductible health plan or one where you have lower out of pockets expenses? Amy O'Meara Chambers, COO and co-founder of HealthBridge, says you've "got to do the math" when picking health insurance.
Amy also says creating Medical Lines of Credit may be the way to keep people from having to file bankruptcy over medical care costs.
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The opposite of panicking when the stock market declines is called 'Irrational Exuberance.' Dr. Susan Laubach says both can be just as bad for your bottom line.
Dr. Laubach says financial advisors will always tell you the good things about investments, but you should always ask "what can go wrong."
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Do you have a child about ready to get their driver's license? Kerry Sherin, consumer advocate with Bumper has tips to lower the cost to get car insurance coverage for them.
TIP #1 -- shop around BEFORE your kids are close to getting their license.
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Some call it a P.R. stunt to get more people buy products form Amazon. Chris Janeway, the founder of Fourth Point Wealth, says all the billionaires who are launching rockets into space are trying to build a cult following around their brand names.
Chris says stock prices at Amazon, Tesla, and Virgin didn't move much on the days when each of those company's owners launched rockets, including the day William Shatner went into space.
Instead, he says many people are investing thier money the way they deal with traffic congestion. And that's a very bad thing. Because he says it isn't exciting to invest your money the right way.
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Many companies now offer tuition reimbursement as a benefit to employment. Dr. Jill Buban, the General Manager and V.P. of EdAssist Solutions explains why workers should take advantage of it.
She also discusses why businesses are having to add this perk to their hiring packages and what they gain.
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Research finds Vitamin D3 protects your immune system. Dr. Leslie Ray Matthews conducted 10-years of research using D3 on pneumonia patients. He says it will help with all types of illnesses, including COVID-19.
Host Heather Kelly learned D3 is actually a hormone, not a vitamin. And it can save you tens of thousands of dollars in hospital bills. Find out what else D3 can do for your health in this episode.
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Several sectors of the economy may not get back to normal for at least two more years. That's according to Robert Spendlove, senior economist at Zions Bank. He and Susan Speirs, the CEO of Utah's Association of CPA's discuss where jobs are growing and which ones are still struggling.
If you're looking for a job, any job, Spendlove says there are 11-MILLION openings right now across the United States.
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Saving for retirement is never easy. But financial planner, John Smallwood, the President of Smallwood Wealth Management says you need to make sure you are saving at the correct inflation rate for you.
John advises putting money away into savings FIRST; then pay the bills with what's leftover. Not the other way around.
He also has a book to help you keep your money, "It's Your Wealth-Keep It: The Definitive Guide to Growing, Protecting, Enjoying, and Passing On Your Wealth."
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Many people turned to YouTube during the pandemic. Some to keep themselves busy if they were out of work, others as a way to supplement their income. Max Miller, the host of Tasting History, says he was lucky enough to be able to replace his entire salary.
He explains what you need to get started, but also says, "Don't create a YouTube channel with the express belief you will make money."
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Home buying is super competitive right now. Lisa Grant, real estate broker, says buyers need to be prepared to give their best offer at the get-go. And don't get too attached to any particular home.
She also explains why you should take a handyman with you when walking through a potential new house.
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If you have both a 401k and an IRA, you can only contribute a total of $25,500 per year -- between both accounts. Adam Nugent, the Founder & CEO of Foresight Wealth, explains why. And Susan Speirs, the CEO of UACPA goes over some tax issues if you transfer money between the two retirement funds.
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CEO and co-founder of Madison Investing, Spencer Hilligoss, says it may be time to change how you think about bringing in income.
First you need to discover what is most important to you -- promotions with a big salary to pay for your every need or a balance between work and a personal life.
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More than a third of Americans panic sold a portion of their retirement fund during the pandemic. Dr. Francesca Ortegren, data scientist with Clever Real Estate discusses how to get a majority of your nest egg back.
She and host, Heather Kelly also talk about the behavior of panic selling. It stems from the same place as hoarding -- FEAR.
To see all the research go to the original article at Clever.
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Do you love your job, but not your manager? That's the number one reason, Colin Wilford, a career planning expert and counselor at Wilford Scholes, says people leave their place of work.
However, working in an industry you don't have passion for simply to get a higher paycheck is another big reason people aren't happy in their career.
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The biggest problem people have with their finances is wanting everything "right now!" That's from Tad Tuttle, a CPA and partner at Hinton Burdick. Chad Lambert, manager at Hinton Burdick, and the CEO of the Utah Association of CPA's, Susan Speirs discuss how to figure out what your financial goals should be and how to get there.
They also discuss with host Heather Kelly, what the pros and cons of taking out a Reverse Mortgage are.
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You can become your own source of financing and at the same time create a tax-free income tool in retirement. Mark Willis, owner of Lake Growth Financial Services says it comes down to T.G.I.F. -- Tax Adavantage Guranteed, Insurance, Financing.
Mark explains how we lose out on compound interest everytime we buy something. Find out what Mark says is the solution to keeping money in your wallet and not handing it over to banks.
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The first step to becoming debt free is to know where you are financially. Rachel Podnos O'Leary, the author of 21st Century Wealth, says you need to take a hard look at how much money is actually coming into your life and how much is going out.
Do you prefer the Snowball or Avalanche method to paying off bills? Find out the difference as Rachel and host, Heather Kelly explain why they prefer their chosen method.
Protecting your wealth is just as important to getting out of debt. Find out how Personal Liability Umbrella Insurance could be the key.
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If you live in a Home Owners Association community, you are paying dues. Jason Hearst, host of The HOA Show, explains why they are necessary. He also talks about property management companies and their role in HOA's.
Jason and host, Heather Kelly, also discuss why living in a community which has a reserve fund is a must.
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You can save over time for school expenses, much like saving for retirement. Troy Runnells, Senior director for strategy and business development with My529, explains how they work. More importantly, he tells how to cash in your savings when its time to pay for school.
Susan Speirs, CEO of Utah Association of CPA's also joins the conversation to discuss the tax implications of the fund.
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CBD is the latest fad. You can find it in everything from gummie bears to face lotion. Jennifer Beck, cofounder of Jihi, says not all CBD products are the same; and going cheap could be bad.
Jennifer also explains to host, Heather Kelly, you can only get high from marijuana (THC) one way. Find out what's involved in opening a marijuana dispensary.
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Do you feel you have to make a choice between going back to the office or quitting your job? Anders Melin, wealth reporter for Bloomberg, says it is happening across the country.
Find out why employers want to 'get back to how things were before' and why employees want more flexibility.
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Can you spot a scam within 30-seconds? Host Heather Kelly gives tips on how to notice email and snail mail scams.
She'll also tell you the number one thing to NEVER do when you open emails.
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Do you know the difference between credit counseling and debt consoladaion? One will get you back on your feet, the other could result in being taken to court.
Gerri Detweiler, the education director for Nav, explains the best practices for getting out of debt or not running into problems to start with. If you can eat it, drink it or wear it -- don't charge it Never pay just the minimum balance
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Tax codes are in continual flux right now. That's from Ashley Christenson the Tax Manager for Tanner, LLC. She and Susan Speirs, CEO of UACPA, say you need to start preparing now in order to file your taxes next year.
The Federal Government won't make you pay taxes on a PPP loan you may have received. However, several states will want its share of income tax from it. If you collected unemployment during 2020 or 2021, you may also owe taxes on that as well.
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A Family Bank could be a better return on investment than a conventional one. Don't know what a 'family bank' is? Chris Odegard, The Prolific Investor, explains.
Chris also turns conventional investing on its ear by creating "The Prolific Investors Heirarchy of Investments". Traditional investments, like 401k's, are in the shadow of the pyramid. While he puts private lending, rental properties and cryptocurrency on the heirarchy.
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Do you have a 401k, a mutual fund, or IRA? You're paying an expense ratio, whether you know it or not. Clayton Johnson, certified financial planner with Squire Wealth Advisors, explains what these fees are.
He also discusses management fees if you are using a financial advisor, and says, for the most part, you should not be paying more than 1.5% of your investment in fees. Here's where to find many expense ratio fees.
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Thirty-eight percent of all Americans increased their debt load by more than $3000 during the pandemic. While the top 1% increased their wealth an average of $15,000,000.00.
Dr. Francesca Ortegren, data scientist with Clever, has some tips to climb out of debt faster -- even during the pandemic.
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Eating habits changed during the pandemic and food prices are rising. David Page, the Food Network producer of Diners, Drive-Ins, & Dives says minimizing waste is the key to saving money.
Page also has a new book called "Food Americana" where he explains how many of our favorite dishes evolved and from where they came.
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Time is running out to get money from the Payroll Protection Program. Bruce Gulso, Partner at WSRP, Carl Steffan a Director of WSRP, and Perry Christensen, Manager of Client Accounting Services at WSRP say the Small Business Administration is quickly running out of funds to give employers.
However, a much overlooked program from the Cares Act, the Employee Retention Credit (ERC), could net you much more money than the PPP. And the SBA is rolling out a Restaurant Revitalization Program soon.
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Why should you care about cage free eggs, especially if they are more expensive than standard eggs? Josh Balk, VP of farm animal protections from the Humane Society of the United States explains what all those labels mean on egg cartons.
Find out why eggs look and taste better when they don't come from hens who live in a cage their entire lives. Host Heather Kelly says they are worth the extra cost.
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Find out why collecting dolls is better than taking pills to relieve stress according to Disney expert, Joel Magee. The toy appraiser from History Channel's Pawn Stars joins host Heather Kelly to discuss toys.
HINT: If you have childhood Harry Potter memorabilia, make sure to hang on to it until you're about 45-years of age to get the best price if you sell it.
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Nobody likes a budget, so change your mindset. Melissa Myers, co-founder of Kar-Mel Financial Planners, says you can empower yourself by spending your money in thoughtful ways.
You need to make sure you align your money with your values to get the best results. And find out why the 'financial rules of thumb' don't apply to you, in her latest book.
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The government extended benefits, and added funds, to the first Payroll Protection Program rolled out in Spring of 2020. Susan Speirs, CEO of UACPA and Greg Hyde, partner at Squire have details.
They also discuss with host, Heather Kelly, what makes this loan forgiveable under federal rules and if you have to pay state taxes on the funds.
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The Department of Transportation changed the rules for allowing emotional support animals in the cabins of aircraft. Robert Span, attorney at Steinbrecher & Span, explains the difference.
HACK: Emotional support animals are NOT trained to do anything -- Service animals are.
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Politics have failed in America. In Part 2 of the conversation with Boyd Matheson, Opinion Editor for Deseret News, joins host Heather Kelly in understanding how "We The People" are responsible for our own futures.
Boyd says community and culture always lead the way, politicians simply follow.
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Americans are paying $1,400,000 in interest every second against the national debt. Boyd Matheson, Deseret News Opinion Editor & Host of KSL Newsradio's Inside Sources, explains how your pocket book is affected by the discourse in Washington DC.
And did you know while politicians argue over Stimulus packages and the minimum wage, six out of the ten wealthiest counties in the United States are suburbs of Washington DC?
At the time this episode was recorded, the Senate had not voted on the 3rd Stimulus package
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Several thousand Reddit users took Wall Street by storm -- and 'The Man' wasn't happy about it. Harry Abrahamsen, founder and CEO of Abrahamsen Financial Group, explains how a grass roots movement sent share prices of AMC, GameStop and other company soaring.
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Filing your taxes may be different this year due to a little thing called "The Pandemic" and The CARES Act. Susan Speirs, the CEO of Utah Association of CPA's, explains how the Economic Impact Payments affect your return.
What if you received unemployment? Not only did your state send regular payments, so did the federal government. Do you owe taxes?
And what if you didn't receive your impact statements? Many people got a debit card in the mail from Metabank -- it actually had $600 on it per person in your household.
Metabank Customer Service 1 800 240-8100
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If you have 4 picocuries of radon gas in your home, it's the equivalent of getting 200 chest x-rays each year. Or smoking multiple packs of cigarettes a day. And every home in the world has radon gas. So, how much is too much?
Bruno Vassel, the owner and CEO of Utah Radon Services explains the process of getting rid of the potentially cancerous causing gas and how much it costs.
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Most people don't move to Canada from the U.S. because of election results. Brandon Miller, director at Maple Immigration Services, He says he gets the most inquiries because of health care costs.
Plus, Brandon describes the TWO legal avenues for emigrating to his country. And scammers are keen to take more money than the legal professionals charge.
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The pandemic is sending people further and further into debt. Francesca Ortegren of List with Clever describes who is most likely to take on more debt. And she provides some tips to avoid it -- including the two most important.
SPOILER ALERT -- Communication is key!
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After the Yugoslavian war, Kosovo broke away from Bosnia to become its own country. In the movie Hive, Writer/director Blerta Basholli brings the true story of a widow who fights the patriarchal community to earn a living to the Sundance Film Festival.
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Imagine a 2 minute event happening in 5th grade which has such an impact on your life, you make a movie about it. That's what happened with filmmaker Jay Rosenblatt. He brings his story to Sundance Film Festival in the short film, When We Were Bullies. And how the movie ends is not where anyone thought it was going when it started, including Jay.
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Valerie Taylor was not only the first woman, but the first person to study shark behavior. Film producer, Bettina Dalton, brings her story to the Sundance Film Festival in "Playing with Sharks: The Valerie Taylor Story."
Tayor and her husband were also advisors on the film "Jaws." Find out why she says that was the worst decision of her life. And Dalton explains why hunting sharks to near extinction is damaging to the rest of the fishing industry.
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The Immaculate Heart sisters took vows of chastity, poverty and obedience. Producer Shawnee Isaac-Smith and director Pedro Kos bring the story of a group of nuns who had to choose between the Catholic Church and their conscience during Vatican II in the documentary "Rebel Hearts" to the Sundance Film Festival.
Ruth Anne Murray, Rosa Manriquez and Lenore Navarro Dowling also join host Heather Kelly to discuss the money, or lack of it, in the order and the community they continue to serve.
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Stimulus payments are just one reason you may need to speak with a Certified Public Accountant. Watch for upcoming episodes where we tackle Federal unemployment checks and more.
Has your property been condemned or maybe you inherited some money? These are just a few reasons UACPA member Mike Criddle of Eide Bailly says you may need to hire a professional.
Hear more about the triggers which could signal it's to your advantage to hire a certified public accountant.
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Small business owners in were already struggling through the pandemic. Now the several film festivals which are a life-line to many are going virtual. Billy Holden, VP for SAG-AFTRA in Utah, discusses Sundance 2021 and its affect on the Park City economy.
Billy and Heather also talk about how other film festivals are looking to see how Sundance performs under 'the new normal.' And if the festivals will ever be the same again -- even after the vaccine.
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Teaching children about finances in a way which mirrors reality can be a struggle. Certified Financial Planner, Gregg Murset, developed BusyKid to do just that.
Find out why this tool will help kids learn the value of money in an electronic way without using antiquated methods like jars or envelopes.
And, if you're worried about giving your kids a debit or credit card, Murset says this app is a great learning tool without risk of going into debt.
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If one of your New Year's resolutions is to diversify your portfolio, you may want to think about cryptocurrencies. Spencer Montgomery, the founder of Uinta Crypto, tells host Heather Kelly what you need to about Bitcoin and other digital currencies.
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One reason Wall Street continues to see record highs while so many are out of work is, it doesn't require employees to function. John Stoj, Financial Planner with Verbatim Financial, breaks down the differences between Main Street and Wall Street and how to get the best return on your investments.
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Are you being bullied or harassed in your job? There's a free app for that. LeBaron Meyers, President of #NotMe says many employees don't report abuse right away because they are uncomfortable speaking about it in the ways which currently exist. Ariel Weindling,
Ariel Weindling, the founder and CEO of #NotMe says misconduct is not an HR Problem, it's a people problem. And he wants to add more transparency in the workplace to report bullying issues.
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If you donated money to a University in order to get sports tickets, it's no longer legal to write off that gift on your taxes. UACPA members, Shalaun Howell and Marc Metcalf, join CEO Susan Speirs to discuss how charitable giving during the pandemic affects not only your taxes, but the organizations as well.
And for 2020 ONLY, you can deduct up to 100% of your adjusted gross income in charitable gifts on your tax return -- it used to be 60%.
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We've all learned to wash our hands and wipe down kitchen counter tops to keep coronavirus at bay, but what about our cars? Zoriy Birenboym, the founder and CEO of e-AutoLease.com explains what we're missing and why it's so important.
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Did you just buy a smart TV during the Black Friday sales? Chris Wilis, Chief of Design for Domo says it could be spying on you. Find out what you can do to prevent your personal information from being sent to marketers.
And discover how hackers can use your AI devices against you. Chris also tells host Heather Kelly which account is the jackpot for hackers, and how you can protect it.
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Holding every penny you own in a tight squeeze could be having the opposite affect you want. Money Therapist, Jennifer Love, says people need to start asking some hard questions about themselves before wealth will come to them.
Love says starting with gratefulness is a great way to make some simple, but effective changes. And using a 'Five Minute Journal' each day can show you how. And find out why she wants to re-write the Cinderella story.
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Where are your educational tax dollars going? Brandon Wright, editorial director for Thomas B. Fordham Institute, says 'team teaching' is the way forward and will save money.
He says the book "Getting the Most Bang for the Educational Book" explains how getting rid of the 'one-teacher, one-classroom' model can provide $6,000,000.00 more to hire the best instructors for our children.
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The coronavirus pandemic is causing more adults than ever before to move back home with mom and dad. Founder of Decker Retirement Planning, Brian Decker, says 27-Million millenials are returning to the nest because they either lost their job or have reduced hours.
Brian gives 3-tips for parents and 3-tips for adult children to know before they moving back home. And find out when parents need to say 'NO' to letting the kids back in the house.
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Shopping in large crowds and coronavirus don't mix. Holiday Shopper extraordinaire, Holly Barraclough-Harper, explains where to look for deals this year if you aren't doing the traditional Black Friday shopping rush.
She also discusses with host Heather Kelly a big change this year on when stores will actually open for the largest shopping day of the year.
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My conversation with journalist and author, Ivor Davis, who traveled with The Beatles during their first tour of the United States in 1964, continues. Davis provides insight into the group's journey from making 1-Cent per album to big finanacial changes after their manager, Brian Epstein died.
Davis is the author of The Beatles and Me on Tour, and says "no one ever asked me about the money aspect of the band."
An article with KSL Newsradio about part one of our discussion can be viewed here.
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The members of The Beatles, and their heirs, are multi-millionaires. But it wasn't always so. Journalist and author, Ivor Davis, was the only member of the British media to travel with the group during their first tour of the United States in 1964.
While Davis has been speaking about his adventures with the Beatles for nearly 60-years and wrote the book 'The Beatles and Me on Tour,' he says "no one ever asked me about the money aspect." Davis tells never before-heard stories when it comes to what The Beatles knew about merchandising, record deals and how much cash they carried with them in this episode.
An article with KSL Newsradio about this subject can be viewed here.
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Is slow internet speeds while working from home driving you nuts? Staff writer, Rebecca Armstrong from HighSpeedInternet.com has advice on how to fix it.
Also, how do you know if really your internet or your wi-fi that's causing the problem? And what's the difference between the two?
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What's the difference between managed and unmanaged fertility plans? Peter Nieves the Chief Commercial Officer with WINFertility, explains the difference and why you should care -- even you're not planning to have children.
Nieves says having more people on insurance plans, even specialied ones, brings down the costs for employees and companies, alike.
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Seeing your doctor, face-to-face, is increasingly difficult -- especially if you're pregnant. But, the president and co-founder of Babyscripts, Juan Pablo Segura, says virtual maternity care not only frees up a doctor's schedule, it's also less expensive.
Find out how having your blood pressure monitored from home as well as occassional face-time appointments via smart phone may save thousands of lives, and you're pocket-book.
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Are you late paying bills or not paying at all? Jill Gonzales, a contributor with WalletHub, says that's the worst thing to do for your credit scores. Find out what you can do to protect yourself while unemployed.
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Many people plan all year long for Christmas. But for those who don't, Ariane Gibson, VP Financial Services for Utah Housing Corporation as advice on how you can budget; even if you're just starting now.
And Susan Speirs, the CEO of Utah Association of CPA's explains what you can and cannot write off on your taxes. And have you thought about those holiday gatherings?
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Host Heather Kelly is joined by her colleague Dan Spindle of KSL-5 TV to discuss happiness and income.
Did your baseline for being comfortable change since the pandemic hit? And why do people in Britain only require half as much money as the rest of the Western world to feel good?
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A Washington State city makes its own currency from a printing press found in a museum. Tenino Mayor Wayne Fournier says the town has a history of using wooden money going back to the Great Depression.
And now, the currency -- which Fournier describes as not quite ILLEGAL -- is back to help residents in need during the pandemic.
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The Adverse Market Fee discussed in this episode will not take affect until December 1, 2020.
Interest rates are at record lows. But with so few homes on the market, many buyers are getting into bidding wars -- driving up home prices.
Cari Kimball Meabon, Senior Loan Officer at Guild Mortgage also goes over a surprise announcement from Freddie Mac which is adding interest to new loans.
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The head of the U.S. Small Business Administration, Jovita Carranza, is visiting several states across the country. She says there's still $130 Billion available in the Payroll Protection Program.
Carranza says President Donald Trump wants small businesses which missed out in the first round of PPP loans to apply, -- like minority-owned and sole-proprietors. Go to: sba.gov/page/coronavirus-covid-19-small-business-guidance-loan-resources for more information.
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Part of the CARES Act passed by Congress includes a no penalty clause if you withdraw money early from your 401k or IRA. But, only if it's because you are affected by the coronavirus pandemic.
The CEO of Utah Association of CPA's, Susan Spiers explains what reasons you can withdraw before 59-years of age, and when this exception will expire.
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Will your child be learning on-line from home this year? Jennifer Throndsen, the Director of Teach & Learning at Utah State Board of Education explains what you need to do to make sure your child thrives during coronavirus restrictions.
And where do all those school fees go if your child isn't actually going into a classroom? Host Heather Kelly asks the questions you want answers to.
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Were you recently arrested and had to post bail? Jeff Clayton, the Executive Director of the American Bail Coalition explains what happens to your money. And why is reform so desperately needed to the system?
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Find out why Marco Barker, the Vice-Chancellor for diversity and inclusion at University of Nebraska, says our entire society delivers intrinsically racist messages. And how "Gate Keepers" prevent people of color from rising higher in our economy.
Is there diversity in your workplace? Does the phrase 'Black Lives Matter' make you uncomfortable? Find out why saying 'All Lives Matter' disregards the crisis happening across our country. Unconscious Bias – Facing the Realities of Racism
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If you are struggling during the pandemic recession, now may be the time to learn a new skill. Author, Brian Ursu, says all hands on deck are required to restart the economy. And, that may include re-inventing yourself.
Learn more of Brian's financial theories, including teaching your children these life skills in his book "What Now: A Practical Guide to Figuring out Your Financial Future."
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Congress extended the Paycheck Protection Program for Small Business owners. If you haven't applied for this forgivable loan to help pay your employees, now's the time to do it.
For those companies which received your paycheck loans, it's now time to fill out all the paperwork. CEO of UACPA, Susan Speirs, walks through what you need to know to get your loan papers in order. And what will happen if you didn't spend the money the way you were supposed to.
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Insurance companies decide the price doctors should charge their patients. So, what's affordable health care to one person isn't for another.
Host Heather Kelly is joined by Democrat Dr. Kathie Allen, and by Dr. Brian Shiozawa, a Republican and former Utah State Senator. Heather what they think 'affordable.'
This episode first aired before Senator John McCain passed away
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Host Heather Kelly discusses Self Esteem vs Self Worth with money mindset expert, Gull Khan. Gull says knowing why you want to be a millionaire is the first step to attracting wealth.
Did you know there are only 2-ways to make money? And there are 4-types of money -- you definitely don't want the toxic kind.
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Living paycheck-to-paycheck makes it very hard to put away $1000 for an emergency fund. But, The Penny Hoarder editor, Justin Culper, has a month by month plan to do just that.
Get free money just for opening a savings account, let your smart phone make cash for you, and do some secret shopping are just a few ways you can reach your goal in around 12-months.
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Are you about to get married? Do you know if your partner thinks about MONEY the same way you do? CPA Jennifer Greco of Cooper Williams says you better have the talk before you walk down the aisle.
Then Jennifer and host Heather Kelly discuss how to file your taxes after marriage. Do you know when 'Married but Filing Separately" is better than "Married Filing Jointly?"
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Economist, Dr. Larry Marsh, says the tools The Federal Reserve was given when it was created, no longer work. He says moving money away from Wall Street and directly to everyday people -Main Street- will get our economic system back on track.
Find out why Professor Marsh believes creating "My America Personal Accounts" will shift the balance of wealth. And, what it will take to turn his ideas into reality.
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Host Heather Kelly discusses the differences between a Certified Public Accountant and a Financial Advisor. CPA Amanda Barrett-Brough with Squire and Company says depending on your circumstances, you may need both.
And Amanda talks about the Paycheck Protection Program. Some business owners who qualified for a PPP loan are afraid to use it.
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Whether you're out of a job or have a dream to pursue, this may be the best time to learn how to be an entrepreneur. Financial Fitness Trainer, Tracey Bissett, with Bissett Financial goes over the steps you need to do before going into business for yourself.
Then, Tracey explains how much time it could take before you start making a profit. And, she has a gift for those who check out her website. Listen to find out how to receive this free tool.
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The world is living through the worst economic disaster since the Great Depression of the 1930's. CPA Jennifer Greco of Cooper Williams has tips to prepare you for future financial disasters. HINT: They won't all be about pandemics.
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How do you get started building your $1000 emergency fund when you feel like you don't have any money to save? Host Heather Kelly discusses a way that helped her and says there are several apps for that.
STASH
Mvelopes
YNAB
Simple
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