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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    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.

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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.

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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.

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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.

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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.

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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.

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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.

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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.

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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.

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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.

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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.

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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.

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    March 22, 2023

    Money saving tips and unclaimed cash

    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.

    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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    March 15, 2023

    Influencers may need to mind their P's & Q's to make money

    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.

    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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    March 8, 2023

    The movie iMordecai could help seniors fall in love with iPhones

    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.

    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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    March 1, 2023

    How to know when your aging parents need help

    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.

    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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    February 22, 2023

    Don't get cheated out of your tax refund, file now.

    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.  

    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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    February 1, 2023

    Protect your investments BEFORE a disaster happens

    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.

    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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    January 27, 2023

    SUNDANCE: Learning to do latte art doesn't have to cost a fortune

    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.

    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, 2023

    SUNDANCE: Is There Anybody Out There?

    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.

    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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    January 23, 2023

    SUNDANCE: Bad Press

    **This U.S. Documentary won a Special Jury Award for Freedom of Expression at the Sundance Film Festival after this interview took place**

    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.

    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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    January 23, 2023

    SUNDANCE: Pianoforte

    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.

    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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    January 22, 2023

    SUNDANCE: Deep Rising

    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.

    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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    January 22, 2023

    SUNDANCE: Twice Colonized

    The fight to retain native language and customs among Indigenous Peoples is still on-going.  In the documentary, Twice Colonized, writer Aaju 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 Aaju's story to light at the Sundance Film Festival.

    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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    January 21, 2023

    SUNDANCE: Audiences show up for authentic stories about themselves

    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.

    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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    January 20, 2023

    SUNDANCE: TAAF raised a Billion dollars in 2-years for the Asian community

    Acts of violence against Asians during the pandemic led to the formation of The Asian American FoundationNorman 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.

    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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    January 17, 2023

    Utah fiscally runs its state government the way people should

    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.

    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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    January 11, 2023

    Your life experiences can translate into a new career

    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.

    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 4, 2023

    Get off the gerbil wheel of being financially stuck

    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.

    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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    December 28, 2022

    3 Tips for finding a financial advisor to look after your best interests

    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.

    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 Twitter page.

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

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    December 21, 2022

    Tax saving tips to make before the end of this year

    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.

    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 14, 2022

    Rising interest rates are good for your bank accounts

    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.

    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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    December 13, 2022

    Internet speeds 10X faster than today are much closer than you might think

    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.

    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 7, 2022

    Money and sex crimes against your kids are happening in your home

    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.

    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 30, 2022

    What to know IF the Student Loan Forgiveness program happens

    This episode was recorded before a Federal Judge put a hold on President Biden's Student 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. 

    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 23, 2022

    Tools to minimize education costs

    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.

    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 18, 2022

    Help is available in this challenging housing market

    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.

    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 16, 2022

    Improving your credit score

    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.

    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 9, 2022

    How to recognize a financially abusive relationship

    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.

    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 5, 2022

    BONUS: Rick Steves Art of Europe

    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!

    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 2, 2022

    Save money while traveling by using your time wisely

    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.

    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 26, 2022

    Which 4-Money Scripts category do you fall under?

    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.

    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 19, 2022

    Was Alexander Hamilton's 'best shot' the worst for American economics?

    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.

    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 12, 2022

    The 3-Major risks in retirement

    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.

    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 5, 2022

    Taming the high cost of education

    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.

    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 28, 2022

    What are the hurdles for 1st time homebuyers?

    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.

    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 21, 2022

    The cost for insulin capped at $35 per month

    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.

    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 14, 2022

    Understanding your health insurance options

    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.

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

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    September 7, 2022

    Save money by buying or selling your leased car

    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.

    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 31, 2022

    New SEC rules can affect individuals

    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.

    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 24, 2022

    Divorce, recession style!

    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.

    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 17, 2022

    Building your buffers is key to weathering inflation and recession

    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.

    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 10, 2022

    Help is available to buy an affordable home

    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.

    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 3, 2022

    Back to school shopping

    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.

    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 29, 2022

    What are your tax dollars funding for the $1.2 Trillion Infrastructure bill?

    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.

    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 27, 2022

    Don't take on additional debt during a recession

    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.

    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 20, 2022

    Employees can now ask for a lot more flexibility when job hunting

    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.

    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 13, 2022

    Boost your emergency savings, NOW!

    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.

    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 6, 2022

    Test your dust for mold, not the air

    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.

    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 29, 2022

    Why men and women think about money differently

    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.

    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 22, 2022

    Equity doesn't mean Equal

    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.

    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 15, 2022

    Costs of getting your backyard ready to entertain

    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.

    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.