Money Making Sense

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 pets 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, 2020 and 2021 People's Choice Podcast Award Finalist. 

Episodes

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    May 8, 2024

    Is subscription creep emptying your bank account?

    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.

     

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    May 1, 2024

    Your taxes could prevent human extinction

    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.

    Be sure to email Heather your questions and request topics you'd like her to cover here.

     

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    April 24, 2024

    Warning! Are you sabotaging an inheritance?

    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?

    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.

     

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    April 17, 2024

    Americans lost more than $10 BILLION dollars to scammers last year

    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

    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.

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    April 3, 2024

    How to identify text and email scams

    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.

    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.

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    March 27, 2024

    Discussing your Inheritance plans shows love and trust

    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.

    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.

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    March 20, 2024

    Is this a good BOI or a bad BOI?

    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.  

    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.

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    March 13, 2024

    Adopting pets at a reduced price

    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.

    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.

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    February 21, 2024

    Your belief in yourself can affect your income.

    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.

    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.

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    February 14, 2024

    There is help for the lack of affordable housing

    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.  

    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.

    Be sure to email Heather your questions and request topics you'd like her to cover here.

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    January 24, 2024

    Credit card debt is cancer for your financial body

    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.  

    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.

    Be sure to email Heather your questions and request topics you'd like her to cover here.

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    January 17, 2024

    What to know about ESG investing

    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.

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    January 10, 2024

    Get off your emotional financial rollercoaster

    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.

    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.

    Be sure to email Heather your questions and request topics you'd like her to cover here.

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    January 3, 2024

    Your money and your lifestyle

    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.

    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.

    Be sure to email Heather your questions and request topics you'd like her to cover here.

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    December 27, 2023

    Students are leaving $42-MILLION in financial aid on the table every year

    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.

    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.

    Be sure to email Heather your questions and request topics you'd like her to cover here.

     

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    December 20, 2023

    Unrelenting holiday scams

    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.

    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.

    Be sure to email Heather your questions and request topics you'd like her to cover here.

     

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    December 13, 2023

    Do you know the tax rules for charitable giving?

    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.

    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.

    Be sure to email Heather your questions and request topics you'd like her to cover here.

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    December 6, 2023

    How to out-perform the stock market

    "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.

    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.

    Be sure to email Heather your questions and request topics you'd like her to cover here.

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    November 29, 2023

    Finding a trusted charity to donate your money

    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.

    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.

    Be sure to email Heather your questions and request topics you'd like her to cover here.

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    November 22, 2023

    Holiday travel

    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.

    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.

    Be sure to email Heather your questions and request topics you'd like her to cover here.

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    November 15, 2023

    What happens if your insurance claim is denied?

    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.

    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.

    Be sure to email Heather your questions and request topics you'd like her to cover here.

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    November 8, 2023

    Uncommon financial strategies for retirement

    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.  

    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.

    Be sure to email Heather your questions and request topics you'd like her to cover here.

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    November 1, 2023

    Vaccine science with Neil deGrasse Tyson

    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. 

    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.

    Be sure to email Heather your questions and request topics you'd like her to cover here.

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    October 25, 2023

    Financial checklist when loved one passes

    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.

    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.

    Be sure to email Heather your questions and request topics you'd like her to cover here.

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    October 18, 2023

    Tips on curbing credit card spending

    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.

    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.

    Be sure to email Heather your questions and request topics you'd like her to cover here.

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    October 11, 2023

    Menopause affects your oral health, and pocketbook

    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.

    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.

    Be sure to email Heather your questions and request topics you'd like her to cover here.

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    October 4, 2023

    Financial issues more women face than men

    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.

    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.

    Be sure to email Heather your questions and request topics you'd like her to cover here.

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    September 27, 2023

    WARNING! Can you spot the latest consumer scams?

    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

    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.

    Be sure to email Heather your questions and request topics you'd like her to cover here.

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    September 22, 2023

    Don't get taken for a ride when buying your next car

    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.

    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.

    Be sure to email Heather your questions and request topics you'd like her to cover here.

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    September 20, 2023

    When should we begin teaching financial literacy to kids?

    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.

    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.

    Be sure to email Heather your questions and request topics you'd like her to cover here.

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    September 13, 2023

    FAQ military personnel have about their taxes

    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 transferred 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 - outreach 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.

    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.

    Be sure to email Heather your questions and request topics you'd like her to cover here.

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    September 6, 2023

    How to travel Internationally on a budget

    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.

    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.

    Be sure to email Heather your questions and request topics you'd like her to cover here.

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    August 30, 2023

    How to use your life insurance policy as a piggy bank

    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.

    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.

    Be sure to email Heather your questions and request topics you'd like her to cover here.

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    August 23, 2023

    Warehouse vs standard grocery store prices

    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.

    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.

    Be sure to email Heather your questions and request topics you'd like her to cover here.

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    August 16, 2023

    The Good, the Bad, and the Ugly of STEM

    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.

    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.

    Be sure to email Heather your questions and request topics you'd like her to cover here.

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    August 9, 2023

    Cultivating joy brings money

    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.

    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.

    Be sure to email Heather your questions and request topics you'd like her to cover here.

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    August 2, 2023

    Turn your life insurance policy into cash

    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.

    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.

    Be sure to email Heather your questions and request topics you'd like her to cover here.


    *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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    July 26, 2023

    Understanding wills, trusts and estate planning

    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.

    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.

    Be sure to email Heather your questions and request topics you'd like her to cover here.

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    July 19, 2023

    A Bolder Way Forward will help families and communities

    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.

    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.

    Be sure to email Heather your questions and request topics you'd like her to cover here.

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    July 12, 2023

    How to identify fraudsters and scammers

    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.

    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.

    Be sure to email Heather your questions and request topics you'd like her to cover here.

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    July 5, 2023

    Military retirement and AAFMAA

    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.

    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.

    Be sure to email Heather your questions and request topics you'd like her to cover here.

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    June 28, 2023

    What does TRUE wealth mean to you?

    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 if you don't identify WHY you want financial change in your life and align your values to match, your wealth cannot grow.

    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.

    Be sure to email Heather your questions and request topics you'd like her to cover here.

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    June 21, 2023

    Greed is a war, with scammers trying to win

    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.

    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.

    Be sure to email Heather your questions and request topics you'd like her to cover here.

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    June 14, 2023

    How to have a fun, frugal vacation

    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.

    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.

    Be sure to email Heather your questions and request topics you'd like her to cover here.

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    June 7, 2023

    Prenups are for everyone, not just the rich and famous

    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.  

    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.

    Be sure to email Heather your questions and request topics you'd like her to cover here.

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    May 31, 2023

    Don't get taken for a ride when buying your next car

    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.

    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.

    Be sure to email Heather your questions and request topics you'd like her to cover here.

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    May 24, 2023

    Dave Ramsey says give everyone of your dollars an assignment

    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.

    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.

    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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    May 17, 2023

    Do you plan longer for vacations than for your retirement?

    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.

    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.

    Be sure to email Heather your questions and request topics you'd like her to cover here.

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    May 10, 2023

    How to cut everyday costs

    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.

    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.

    Be sure to email Heather your questions and request topics you'd like her to cover here.

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    May 3, 2023

    How financially healthy are you?

    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.

    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.

    Be sure to email Heather your questions and request topics you'd like her to cover here.

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    April 26, 2023

    Payday Loan Centers are predators -- stay away!

    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.

    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.

    Be sure to email Heather your questions and request topics you'd like her to cover here.

     

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    April 19, 2023

    Tips for food shopping on a budget

    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."

    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.

    Be sure to email Heather your questions and request topics you'd like her to cover here.

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    April 12, 2023

    Finding money you didn't know you had

    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.

    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.

    Be sure to email Heather your questions and request topics you'd like her to cover here.

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    April 5, 2023

    7 things to look for when seeking financial advice

    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.

    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.

    Be sure to email Heather your questions and request topics you'd like her to cover here.

     

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    March 29, 2023

    5 Ways to manage your cash flow

    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.

    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.

    Be sure to email Heather your questions and request topics you'd like her to cover here.

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