Money Making Sense

"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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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

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.

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

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.

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

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.

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

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.

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

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.

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

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.

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.

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

**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.

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

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.

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

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.

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

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.

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

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.

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

Acts of violence against Asians during the pandemic led to the formation of The Asian American Foundation.  Norman Chen, the CEO of TAAF, says one their main goals are anti-hate, education, narrative change and unlocking resources.

This is the first year that Asian Pacific Islanders have their own meeting house at the Sundance Film Festival.

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.

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.

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

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.

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.

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

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.