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Money Making Sense

Money Making Sense is a 2017 and 2018 Peoples Choice Podcast Awards (#PCA17, #PCA18) finalist. Host Heather Kelly focuses on how to find financial peace by better allocating your paychecks and analyzing the impact of simple family decisions. Episodes approach the topic of personal finance from a cost-savings and revenue-generating perspective. Covered topics include: vacationing on a budget, accumulating retirement savings on a limited income, reducing household expenses, the financial impact of owning a pet, and how money affects relationships. Money Making Sense will give you practical ideas on how to improve your bottom line.
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Sep 19, 2018

Talking to our kids about money is hard.  Especially when we don't know much about money ourselves.  Even worse, having the conversation with our parents.

Eric Brotman, CEO of Brotman Financial Group, has three great tips on teaching kids how much $25 can buy.  And, he provides a way for us to approach our parents that won't feel threatening to them.

You can follow this show on Twitter @MoneyMakingSens 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.

 

Sep 14, 2018

Part 3 of the disparity between rural and urban tax payers.  Lt. Governor Spencer Cox talks tariffs and trade wars and how it's affect Utah's agriculture industry with host Heather Kelly.  And how has the loss of income affected support for President Donald Trump in the rural sector?

Find out why Mr. Cox believes President Trump got into office and why God was showing off when he/she created Utah. Which industry brings in more money for the state, tourism or energy exploration? And how about that Medical Marijuana initiative slated for Utah's ballot in November?  The Lt. Governor is being sued over it.

You can follow this show on Twitter @MoneyMakingSens 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.

 

Sep 13, 2018

Utah's coal miners and farmers aren't having the same economic prosperity as those living near the Silicone Slopes.  In Part 2 of Host Heather Kelly's conversation with Lt. Governor Spencer Cox, they discuss why.  

Could the "Rural Summit" taking place in Utah this fall bridge the gap between the have's and the have not's in this new economy? Could telecommunications be the solution?

You can follow this show on Twitter @MoneyMakingSens 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.

Sep 12, 2018

Utah was just named the most diverse economy in the United States.  But it comes with areas of the Beehive State which are still in recession and others which have more jobs available than people to fill them and a housing shortage.

Find out why Utah's Lt. Governor Spencer Cox says 'you have to participate or you will lose out' in Part 1 of our interview, "Why are my tax dollars going to pay for something which doesn't affect me?"

You can follow this show on Twitter @MoneyMakingSens 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.

 

Sep 5, 2018

Infomercials and shopping networks can suck you in and suck your wallet dry.  Finance writer Sam Becker of Stash explains what to look out for so you are tricked into buying something you don't need.

And Sam & Host Heather Kelly discuss ways to train yourself to resist temptation from the psychological tricks used.  You can get more insight from Erin Lowry, the Broke Millennial.

You can follow this show on Twitter @MoneyMakingSens 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.

Aug 29, 2018

Some pets may eat you out of house home, and they could also cost a fortune in vet bills.  Host Heather Kelly revisits her interview with Dr. Susan McDonad, Veterinarian from Holladay Veterinary Hospital and talks about the costs associated with owning a pet; from office visits and vaccines to treating cancer.  

She'll also discuss whether pet insurance is a scam or a necessity and where the safe places are to find a new pet.  And what about the price of that pet-food? 

And read about 'How to budget for your dog' here:

You can follow this show on Twitter @MoneyMakingSens 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.

Aug 25, 2018

Part 2 covers Roth IRAs.  What's the difference between a traditional Individual Retirement Account and a Roth?  Is one better than another?

Find out which account CPA Mike Torgerson with Hinton and Birdick believes is the best thing since slice bread.  And Susan Speirs of UACPA is also on hand to help make sense of exceptions to these plans.  And are they different from a 401k?

You can follow this show on Twitter @MoneyMakingSens 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.

Aug 22, 2018

IRA, Roth IRA, 401k.  What are they, which one is best and why do I want or need one?  CPA Mike Torgerson with Hinton and Birdick and Susan Speirs of UACPA answers these questions.

In Part 1, Mike, Susan and Heather break down what a Traditional IRA is and how it affects your paychecks and your taxes.  This is IRA 101.

You can follow this show on Twitter @MoneyMakingSens and on Facebook.  And to see what Heather does when she's not talking money, go to her personal Twitter page.

You can follow this show on Twitter @MoneyMakingSens 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.

Aug 15, 2018

With a shortage of qualified employees, many companies are struggling to fill open positions.  But, one sector of the population is usually ignored.  Ex convicts and felons.  

Vice President of Human Resources for Utah Housing Corporation, Sterling Barker, has great tips for businesses looking to fill their ranks.  They could be eligible for tax breaks and some organizations will pay a portion of an employees salary if they came out of the prison system.

Sterling also gives excellent tips to ex-cons if they are looking for jobs.  How do you get past the application?  What questions should you ask before the interview?  And, when do you disclose you've been in jail, or do you?

You can follow this show on Twitter @MoneyMakingSens and on Facebook.  And to see what Heather does when she's not talking money, go to her personal Twitter page.

You can follow this show on Twitter @MoneyMakingSens 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.

Aug 8, 2018

Host Heather Kelly answers some questions she received from listeners.  How do you build a credit rating if you're just starting out?  What's a quick, easy way to save money around the house?

Find out if your email was answered on this episode of Money Making Sense.  If it wasn't, be sure to email Heather your questions and request topics you'd like her to cover here.

You can follow this show on Twitter @MoneyMakingSens and on Facebook.  And to see what Heather does when she's not talking money, go to her personal Twitter page.

 

 

Aug 1, 2018

Is electronic finances better than cash?  It depends on whom you talk to.  And how does a Baby Boomer grandparent send money in a format their Millennial grandchild will understand? 

Digital Content Producer for KSL Newsradio, Josh Tilton, sits down with host Heather Kelly to try figure out how to speak to each other, financially. Will Josh be able to make change if someone hands him dollar bills?  Will Heather ever figure out how to use Venmo?

You can follow this show on Twitter @MoneyMakingSens 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.

Jul 25, 2018

Rents and housing prices are skyrocketing.  Host Heather Kelly speaks with KSL Newsradio's Josh Tilton about his struggles in affording a house. Even as a full-time Digital Content Producer, he wonders how long, if ever, it will take to buy a home.

How does a Millennial save 20% for a downpayment?  How does a Baby Boomer sell the home they're currently in and buy new?  And what are their perspectives on what it will take to achieve that goal.

You can follow this show on Twitter @MoneyMakingSens 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.

 

Jul 18, 2018

Host Heather Kelly answers several listeners' questions on 'how to save money to buy something you really want, when you don't have a lot to spare.'  Her guest Becky Bruce, co-host of FBI Confidential, saved for two separate trips to Africa and bought a new car within a 4-year period.

Learn the top 3 things you need to accomplish your financial goals on this episode of Money Making Sense.

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

Jul 11, 2018

The United States is losing billions of dollars each year by not collecting sales tax.  Tax attorney Steve Young of Holland and Hart explains why sales tax was originally instituted and why states need it.

Steve also talks about efforts to raise sales tax on services such as car repairs, health care and hair dressers.  If a state doesn't have enough money coming in from sales taxes, how do they pay for things they need to run it?

**Since this show was recorded, The Supreme Court ruled States have the right to collect sales tax from any business which ships items into their jurisdiction.  This overturns previous Court decisions which ruled taxing across state lines is unconstitutional.

You can follow this show on Twitter @MoneyMakingSens and on Facebook.  And to see what Heather does when she's not talking money, go to her personal Twitter page.

Jul 4, 2018

Whether scrambled, fried, over easy, smothered in salsa or sprinkled in salt and doused with ketchup, your grocery store eggs could also contain a deadly bacteria.

Veterinary technician and backyard chicken enthusiast Heather Boyce tells host Heather Kelly why she believes government regulations may actually spread salmonella through egg cartons. Boyce says over time, raising chickens may save money over buying eggs from Walmart or Target.  And its illegal in Europe for farmers to do what the FDA requires US farms do with their eggs.

You can follow this show on Twitter @MoneyMakingSens and on Facebook.  And to see what Heather does when she's not talking money, go to her personal Twitter page.

Jun 29, 2018

In Part 3 of my conversation with Utah Transit Authority spokesperson Carl Arky we discuss when it's better for individuals to drive than take a train or bus. 

Does pollution and bad weather driving conditions weigh more heavily on people than the costs when deciding to take public transportation or not?  Find out what Carl's prediction is for the future.

You can follow the show on Twitter @MoneyMakingSens and on Facebook.  And to see what Heather does when she's not talking money, go to her personal Twitter page.

Jun 28, 2018

In Part 2 of my conversation, Carl Arky, the Utah Transit Authority spokesperson, explains why you have to pay round trip, even if you use the train to grab groceries and go back home. How much does public transportation cost?  Is there a discount pass?

You can follow the show on Twitter @MoneyMakingSens and on Facebook.  And to see what Heather does when she's not talking money, go to her personal Twitter page.

Jun 27, 2018

Do you WANT to use public transportation but trains or buses don't run when you need them to?  Utah Transit Authority spokesperson Carl Arky talks about the costs involved in expanding coverage.

We also talk about changes happening at UTA, if that might reduce costs for people using public transportation and how tax payer dollars affect scheduling.

You can follow the show on Twitter @MoneyMakingSens and on Facebook.  And to see what Heather does when she's not talking money, go to her personal Twitter page.

 

Jun 22, 2018

How do employers get their employees to be more engaged in their jobs?  Rick Beal, Business Manager for Cubes Self Storage has the answer.  

Find out how Rick helped his workers open checking accounts, taught them how to delegate and how the effectiveness of his business improved leaps and bounds as his employees' personal lives improved at the same time.

You can follow this show on Twitter @MoneyMakingSens and on Facebook.  And to see what Heather does when she's not talking money, go to her personal Twitter page.

Jun 21, 2018

In part two of my discussion with Rick Beal, the Business Manager of Cubes Self Storage explains how getting rid of the structured bonuses at his company helped his employees improve their life skills.  It not only helped them get better paying jobs, it improved on his bottom line.

You can follow this show on Twitter @MoneyMakingSens and on Facebook.  And to see what Heather does when she's not talking money, go to her personal Twitter page.

 

Jun 20, 2018

Do you have good employees, but they lack life skills?  Business Manager of Cubes Self Storage, Rick Beal, has the formula to improve an employee's self worth and increase your bottom line by 2.5%.  But it took some trial and error.

You can follow this show on Twitter @MoneyMakingSens and on Facebook.  And to see what Heather does when she's not talking money, go to her personal Twitter page.

Jun 13, 2018

Younger generations are much more likely to share how much money they make.  Is that a good thing or bad?  Student Loan Hero writer, Ben Luthi, has the pros and cons of openly talking about money in the workplace.

Does knowing how much your co-worker earns create jealousy?  Can it eliminate the pay gap between men and women and minorities?

You can follow the show on Twitter @MoneyMakingSens and on Facebook.  And to see what Heather does when she's not talking money, go to her personal Twitter page.

Jun 6, 2018

The co-owner and business manager of Cubes Self Storage, Rick Beal, explains how he is getting more work done, and how it's helping staff members get along better with each other.

Find out why health workers, religious leaders and employers are asking people to put down their smart phones and start engaging with one another in person, not digitally.

You can follow this show on Twitter @MoneyMakingSens and on Facebook.  And to see what Heather does when she's not talking money, go to her personal Twitter page.

 

May 30, 2018

Human trafficking brings in $150 Billion dollar world-wide.  With 600,000 to 800,000 children and adults brought illegally to the United States each year

Heather Kelly interviews Founder and CEO of Operation Underground Railroad, Tim Ballard and actor Jim Caviezel, best know for "Passion of the Christ" and "The Count of Monte Cristo" about the documentary "Operation Toussaint."  The film shows the efforts of Ballard, O.U.R members and law-enforcement in Haiti trying to get child sex slaves out of their situation.

Mr. Caviezel is also slated to portray Tim Ballard's efforts to organize Operation Underground Railroad.  The film called 'Sound of Freedom' will begin filming on June 11, 2018 in Columbia.

If you want to learn more about how children are roped into child prostitution, you can tune into this FBI Confidential episode with co-host Becky Bruce.

 

May 23, 2018

Author and inspirational speaker Anthony Oneal joins host Heather Kelly to talk about being homeless at 19, getting out of debt and going cash only.

Anthony's life experiences led him to write the book "5 Mistakes You Can't Afford to Make in College" and to produce the "Teen Entrepreneur Toolbox."  They have great information for teens and young adults to help stay out of debt and off the streets.

You can follow this show on Twitter @MoneyMakingSens and on Facebook.  And to see what Heather does when she's not talking money, go to her personal Twitter page.

 

 

May 17, 2018

Knowing where to start a budget can be a head-scratcher.  Should you use an app?  Which app is best?  Or should you use the old standby pen and paper?  

Ben Luthi of Student Loan Hero has details on apps, spreadsheets and websites which can help you allocate your expenses and know where your paycheck is going.

Ben also talks about being a credit card churner.  Can it help with your credit card debt?  Or should you even try it?

 

May 9, 2018

The 26th annual Stamp Out Hunger Food Drive is Saturday, May 12th.  It's a nationwide event.  Utah Food Bank President and CEO, Ginette Bott explains how you can help feed those who don't know where their next meal is coming from. 

The Utah Food Bank helps 'fight hunger statewide.'  More than 392,000 people miss at least one meal a day in Utah alone.  And they aren't homeless.  Many families have to choose between paying to have a roof over their heads or paying for food.

You can follow the show on Twitter @MoneyMakingSens and on Facebook.  And to see what Heather does when she's not talking money, go to her personal Twitter page.

May 9, 2018

The President and CEO of the Utah Food Bank says many children will not have any food at all when they are out of school during the summer vacation.  Ginette Bott explains many Utah children receive 2-meals a day from their school, but go without a third meal at home.

Utah Food Bank supplies deplete faster during the summer than any other time of the year.  And, food banks aren't allowed to receive left-over food from restaurants.  Find out what other items you should not donate.

For more information on how to donate food, money or your time to those in need, click on this link.

You can follow the show on Twitter @MoneyMakingSens and on Facebook.  And to see what Heather does when she's not talking money, go to her personal Twitter page.

 

May 9, 2018

More than 392,000 Utahns go without at least one meal a day.  Where can you get food if you don't know where you're next meal is coming from?  In Part 1 of my conversation with President and CEO of Utah's Food Bank, Ginette Bott gives information on why people are going hungry and where to get food.

For more information on how to donate food, money or your time to those in need, click on this link.

You can follow the show on Twitter @MoneyMakingSens and on Facebook.  And to see what Heather does when she's not talking money, go to her personal Twitter page.

 

 

 

May 2, 2018

How can you save for retirement when you can barely afford rent and food?  Certified Financial Planner Kevin Bauer from BCJ Financial Group has some tips.

And, what if you need to borrow from your 401k, but are below the retirement age requirement for taking money out of the account.  Kevin explains how you can borrow the money and pay yourself back.

And anyone wanting help with their will or estate planning but can't afford the regular fee for an attorney, this website can help.  bcjwealthfocus.com

You can follow Money Making Sense on Twitter and on Facebook.  And to see what Heather does when she's not talking money, go to her personal Twitter page.

 

Apr 28, 2018

If you haven't changed your W-4 for a few years, you'll want to do it for 2018.  The new tax code could hugely affect how your deductions are calculated.  

Certified Public Accountant Jay Niederhauser has three of the top reasons why it's important to get your W-4 up to date.

You can follow the show on Twitter @MoneyMakingSens and on Facebook.  And to see what Heather does when she's not talking money, go to her personal Twitter page.

 

Apr 25, 2018

What is the difference between 'Fee Only' and 'Fee Based' investment brokers, and which one is right for me.  Certified Financial Planner Benjamin Brandt explains the differences.  It's very important to know this info as one of the two may not make the best decisions for you and your pocketbook.

And, if you can't afford the fees for ongoing financial planning, Benjamin find out why he says XY Planning Network may work for you. 

You can follow this show on Twitter @MoneyMakingSens and on Facebook.  And to see what Heather does when she's not talking money, go to her personal Twitter page.

Apr 18, 2018

Thought you needed hundreds of thousands of dollars to get into the real estate business?  Guest Billy Holden explains how to get properties for pennies on the dollars.

Billy and host Heather Kelly then talk about how to get the best deals to furnish your property.  Whether you are buying for yourself, or trying to fill lots of houses, this show has great tips.

And find out how Billy bought $1000 dollars worth of merchandise for less than 4-cents.  YES!  4-CENTS.

You can follow the show on Twitter @MoneyMakingSens and on Facebook.  And to see what Heather does when she's not talking money, go to her personal Twitter page.

 

Apr 10, 2018

April 10th is National Equal Pay Day.  The day each year, historically, it takes women to receive the same amount of pay as their male counterparts make in a calendar year.  The average pay a woman takes home is 82-percent of a man's wages.  In Utah, women only make 70-percent for every dollar a man does.

Kevin Bauer of BCJ Financial, has 3-tips women should do to make sure they are set for retirement.  And he discusses with host Heather Kelly why it's important women to make the same amount a man does for the same work.

You can follow the show on Twitter and on Facebook.  And to see what Heather does when she's not talking money, go to her personal Twitter page.

Apr 4, 2018

If you own any type of cryptocurrency, do you have to pay taxes on it?  Tax partner Garrett Koerner of Tanner LLC discusses how the IRS treats Bitcoin, Etherium, Litecoin, etc.  

And how about the Security Exchange Commission?  How do they want to regulate this imaginary form of money?  Host Heather Kelly gets a lesson in how not to get taxed or have the SEC come after her digital currency.  **After this episode published, the SEC determined cryptocurrency is NOT a commodity. ​

You can follow the show on Twitter @MoneyMakingSens and on Facebook.  And to see what Heather does when she's not talking money, go to her personal Twitter page.

Mar 30, 2018

It's the hottest thing going, but how much do you know about cryptocurrency?  Tax partner Garrett Koerner of Tanner LLC has everything you need to delve into this imaginary form of money, how to get it, and what to do with it once you have it.

Garrett also explains to host Heather Kelly about Blockchain and how owning stock in a Cryptocurrency isn't the same as having it.

You can follow the show on Twitter @MoneyMakingSens and on Facebook.  And to see what Heather does when she's not talking money, go to her personal Twitter page.

Mar 28, 2018

The beauty industry is raking in over 60-billion dollars a year telling men and women they have flaws, and then selling them something to try and fix it.  But, Dr. Lexie Kite of Beauty Redefined says it's your inside, not the outer image that needs to be fixed.  And it will save you money in the long run.

Host Heather Kelly learns how to spot when the media, and society, objectifies women and takes their money on this episode of Money Making Sense.

 

 

Mar 23, 2018

In part 2 of 'The Cost of Beauty,' host Heather Kelly talks to Dr. Lexie Kite of Beauty Redefined about all the billboards telling women they have baggy eyelids, hair loss is bad, and liposuction is a must.  It's a 60-billion dollar a year industry and it's objectifying women and men.

Find out how being 'more than a body' can change your life and help your pocket-book on this episode of Money Making Sense.  

Mar 21, 2018

Salt Lake City is one of the most densely populated cities in the country for plastic surgeons per capita -- rivaling Beverly Hills.  And the doctors are doing everything they can to make women feel flawed about some part of their body to garner business.  

Host Heather Kelly of Money Making Sense is joined by Dr. Lexie Kite of Beauty Redefined to discuss the how much money men and women spend in an attempt to fit the media's image of the perfect person.  

This is Part 1 of a three part episode on 'The Cost of Beauty.'  Subscribe to the show via iTunes here and never miss another episode.

Mar 15, 2018

Olympic gold medalist, Scott Hamilton  joins host Heather Kelly in Part 2 of their discussion on the cost of being an athlete.  Scott says having a purpose in life is key.  In order to 'Finish First,' you need to dream, give yourself permission to succeed and a game plan.   Find out where to start if you, or your child, wants to pursue athletics at the highest level.

 

Money Making Sense is part of KSL NewsRadio.  You can follow the show on twitter @MoneyMakingSens and on Facebook.  You can also see what Heather does when she's not talking money on Twitter. 

Mar 14, 2018

Olympic gold medalist, Scott Hamilton joins host Heather Kelly in studio to discuss the cost of being an athlete. But, it's not just about the having to buy equipment and pay for coaches. Scott explains how to keep a balanced life, relationships, and your athletic dreams intact.

Money Making Sense is part of KSL NewsRadio. You can follow the show on twitter @MoneyMakingSens and on Facebook.  You can also see what Heather does when she's not talking money on twitter @KSLHeatherKelly

Mar 9, 2018

What happens when you're adopted child asks 'how much did I cost?'  Guest Sandy Collins, whose daughter was adopted from China, has faced this question.  She walks us through the process of overseas adoption and how it differs from the U.S. and the different struggles faced in both options.

What if you have to wait 11 years for a child?  And find out why its less expensive, and easier, to adopt from overseas** than here in America.  And how to avoid scams and illegal adoptions.

Host Heather Kelly also learned about different support groups for people looking to find new family members like 'Families with Children from China' in Part 2 of "The Cost of Adoption" on Money Making Sense.  

**Since this program was recorded, the U.S. Government is making regulatory changes to overseas adoptions, making it more expensive to adopt from another country.

 

Mar 7, 2018

Did you know you can pay adoption fees by the month?  Host Heather Kelly didn't.  Guest Sandy Collins also explains how adopting overseas** is easier in most cases than in the United States.

Find out what steps need to occur from the moment you first consider adoption to when you welcome a new child into your family in Part 1 of "The Cost of Adoption" on Money Making Sense.

 **Since this program was recorded, the U.S. Government is making regulatory changes to overseas adoptions, making it more expensive to adopt from another country.

 

Mar 2, 2018

How old is too old for your child to be added as a deduction on your taxes?  There is an age limit, even if they're still in college.  Certified Public Accountant Mitchell Moncur, partner at Jones Simkins https://www.agc-utah.org/list/member/jones-simkins-llc-salt-lake-city-279912  answers the questions you have about college and tax write-offs.  But, the deductions and credits aren't limited to your child.  You could be eligible for qualifed educational expenses if you go back to school.  

 

Go to http://www.uacpa.org to find the accountant whose right for you.


Money Making Sense is part of KSL NewsRadio.  You can follow the show on twitter @MoneyMakingSens and on Facebook at https://www.facebook.com/MoneyMakingSense/  You can also see what Heather does when she's not talking money on twitter @KSLHeatherKelly

Feb 28, 2018

Not really.  But scammers are using IRS phone numbers to get people to turn over personal information and credit card numbers and steal money.  Troy Martin, a Certified Public Accountant with Cook Martin Poulson  https://cookmartin.com/ has all the details you need to avoid getting taken for a financial ride.  Find out the first 3 things to do when you get a scary phone call claiming to be from the IRS.

 

Go to http://www.uacpa.org to find the accountant whose right for you.


Money Making Sense is part of KSL NewsRadio.  You can follow the show on twitter @MoneyMakingSens and on Facebook at https://www.facebook.com/MoneyMakingSense/  You can also see what Heather does when she's not talking money on twitter @KSLHeatherKelly

Feb 26, 2018

You can write off children your taxes; but, only for 2017.  The new tax law changes deductions and credits for dependents.  Certified Public Accountant Austin Galvez of Haynie & Company  http://hayniecpas.com/ explains how much each child is worth.  But, what if they are in college, or adults living at home?  This episode of Money Making Sense will answer those questions and more.

 

Go to http://www.uacpa.org to find the accountant whose right for you.


Money Making Sense is part of KSL NewsRadio.  You can follow the show on twitter @MoneyMakingSens and on Facebook at https://www.facebook.com/MoneyMakingSense/  You can also see what Heather does when she's not talking money on twitter @KSLHeatherKelly

Feb 23, 2018

The deadline for filing your taxes this year is April 17th.  But that's not why your tax refund could be delayed.  Certified Public Accountant Jodie Hewitson of Tanner LLC  https://tannerco.com/ talks about a new law which requires the IRS to hold refunds.  Also, find out why the deadline moved from April 15 to the 17th on this episode of Money Making Sense.

 Go to http://www.uacpa.org to find the accountant whose right for you.

Money Making Sense is part of KSL NewsRadio.  You can follow the show on twitter @MoneyMakingSens and on Facebook at https://www.facebook.com/MoneyMakingSense/  You can also see what Heather does when she's not talking money on twitter @KSLHeatherKelly

Feb 21, 2018

A lot of people believe Obamacare is dead.  But, you still need to have proof of insurance to file your taxes.  Certified Public Accountant Brad Poll at Eide Bailly https://www.eidebailly.com/  explains the penalty for not having health coverage will affect through 2018.

 

Go to http://www.uacpa.org to find the accountant whose right for you.


Money Making Sense is part of KSL NewsRadio.  You can follow the show on twitter @MoneyMakingSens and on Facebook at https://www.facebook.com/MoneyMakingSense/  You can also see what Heather does when she's not talking money on twitter @KSLHeatherKelly

Feb 19, 2018

Is your retirement nest egg underfunded?  It's not too late to contribute more money to your 401k or an IRA and write it off on your taxes for 2017.  Certified Public Accountant MK Mortensen of Grant Thornton https://www.grantthornton.com/ explains.  And he answers the question 'is there a limit as to how much you can contribute?'  

 

Go to http://www.uacpa.org to find the accountant whose right for you.


Money Making Sense is part of KSL NewsRadio.  You can follow the show on twitter @MoneyMakingSens and on Facebook at https://www.facebook.com/MoneyMakingSense/  You can also see what Heather does when she's not talking money on twitter @KSLHeatherKelly

Feb 16, 2018

You can write off part of your residence on your taxes.  But, there are rules.  Certified Public Accountant Greg Denning of Larson & Company  https://www.larsco.com/ has the ins and outs of what makes a home office in your legal for tax purposes.  And what if you don't have a home office but travel extensively?  This episode will answer some of these questions.

 

Go to http://www.uacpa.org to find the accountant whose right for you.


Money Making Sense is part of KSL NewsRadio.  You can follow the show on twitter @MoneyMakingSens and on Facebook at https://www.facebook.com/MoneyMakingSense/  You can also see what Heather does when she's not talking money on twitter @KSLHeatherKelly

Feb 14, 2018

A new tax law was enacted in December of 2017.  How will it affect you in 2017?  Is it better or worse for people who file as single or married?  These are just a few of the questions Certified Public Accountant Brandon Allfrey of Squire and Company, PC https://www.squire.com/ answers in this episode of Money Making Sense.  Discover what happens to the standard deduction and what that does to itemizing on your tax return.

 

Go to http://www.uacpa.org to find the accountant whose right for you.

 

Money Making Sense is part of KSL NewsRadio and is hosted by Heather Kelly.  You can follow the show on twitter @MoneyMakingSens and on Facebook at https://www.facebook.com/MoneyMakingSense/  You can also see what Heather does when she's not talking money on twitter @KSLHeatherKelly

Feb 12, 2018

The hack of Equifax of last year exposed nearly every American to the potential of having their identify stolen.  So, what does this mean for tax filers this year?  Certified Public Accountant Robert Cole, Lead Managing Director at CBIZ https://www.cbiz.com talks to host Heather Kelly about what the IRS is doing to protect taxpayers.  Find out when the best time to file your taxes is and what to do if you received an Identity Protection PIN number. 

 

Go to http://www.uacpa.org to find the accountant whose right for you.


Money Making Sense is part of KSL NewsRadio.  You can follow the show on twitter @MoneyMakingSens and on Facebook at https://www.facebook.com/MoneyMakingSense/  You can also see what Heather does when she's not talking money on twitter @KSLHeatherKelly

Feb 9, 2018

Many people go to a 'tax preparer' to get their taxes done.  But, those big box stores may not have trained accountants with the knowledge to get all the credits and deductions you are due.  Certified Public Accountant Becky Schreyer of Stayner Bates P.C. https://www.stayner.com/ explains why going to a professional will save you money.  Even if you normally fill-out your taxes on your own, there may be some triggers in the new tax law could warrant having a CPA help with your taxes.  

 

Go to http://www.uacpa.org to find the accountant whose right for you.

 

Money Making Sense is part of KSL NewsRadio and is hosted by Heather Kelly.  You can follow the show on twitter @MoneyMakingSense and on Facebook at https://www.facebook.com/MoneyMakingSense/  You can also see what Heather does when she's not talking money on twitter @KSLHeatherKelly

Feb 7, 2018

Host Heather Kelly is joined by Vice President of the Screen Actors Guild for Utah, Billy Holden.  Billy discusses why communities should embrace the tax breaks which bring movie and television production companies to their state.

Billy says local businesses can benefit when Hollywood shows up.  Find out why on this episode of Money Making Sense

Jan 31, 2018

For the first time in history, the United States will top One-Trillion dollars in credit card debt, alone.  Analyst Jill Gonzalez of   https://wallethub.com explains how rising interest rates and forgetting the lessons of 2008 have put us on the path of unsustainability.

Find out what you can do to start reducing debt and not acquiring more in this episode of Money Making Sense.

https://www.facebook.com/MoneyMakingSense/ 

 

 

 

 

Jan 23, 2018
Dinner Party, a virtual reality experience premiering at the Sundance Film Festival, is an experiment in how VR can be used to tell narrative stories. Money Making Sense host Heather Kelly interviews Telexist founders Erik Donley and Sam Gezari, two of the creative minds behind the project, which was developed at the Sundance Institute's New Frontier Lab. Set in 1961, Dinner Party tells the story of Betty and Barney Hill, an interracial couple who seek hypnosis to recover memories of inexplicable experience. When the Hills listen to their recording at a dinner party, what they hear changes their lives forever. The VR component makes the experience immersive for the viewer.
Jan 22, 2018
Akicita: the Battle of Standing Rock is a documentary premiering at the Sundance Film Festival. Director Cody Lucich and water protector Nataanii Means join Money Making Sense host Heather Kelly to talk about their movie, the first and only documentary made by Native Americans about the uprising challenging plans for the Dakota Access Pipeline. The Los Angeles Times called the film a "gripping video diary" of the #NoDAPL movement.
Jan 22, 2018
Virtual reality experiences are generating a lot of buzz at the Sundance Film Festival. Heather Kelly chats with the creative minds behind HERO, a VR experience, on behalf of the SLC Fanboys. They talk about what they're doing to make the technology more accessible so you can check it out even if you don't spend a lot of money on fancy equipment.
Jan 21, 2018

Creating a service animal is an expensive endeavor, but it's also a heartwarming one, and a documentary at the Sundance Film Festival follows the journey of several guide dogs from whelping to placement in service.

Heather Kelly talks with the filmmakers behind "Pick of the Litter," Dana Nachman and Don Hardy, as well as Janet Gearman and her guide dog, Poppet.  Donate here to help in the care of these life-changing animals.  

Money Making Sense Facebook page

Jan 21, 2018
Heather Kelly guest hosts for the SLC Fanboys in this interview with "Ophelia" Director Claire McCarthy. They talk about film, theater, what it's like to be a woman in Hollywood, and much more. The film premieres at the Sundance Festival, and features Star Wars' Daisy Ridley, Harry Potter's Tom Felton, and screen veterans Naomi Watts and Clive Owen, among others.
Jan 21, 2018
HAL is a documentary at the Sundance Film Festival that pays tribute to the late Hal Ashby, director of classic films including Harold and Maude, a quirky tale about a May - December romance between a young boy and a senior woman. Director Amy Scott explains why she chose the subject and what it was like to direct a film about one of her favorite icons.
Jan 21, 2018
The tiny island nation of Kiribati could soon become non-existent. It is shrinking because of rising ocean levels, a side-effect of climate change. The country's president is the subject of a Sundance Film Festival documentary, Anote's Ark, which looks at whether Kiribati's citizens are destined to become the world's first environmental refugees. Anote Tong and director Matthieu Rytz join Heather Kelly on Money Making Sense.
Jan 21, 2018

Host Heather Kelly talks with Alexandra Shiva, director of the Sundance documentary film "This Is Home," winner of The Audience Award: World Cinema Documentary, which follows Syrian refugees as they try to adjust to life in Baltimore, then cope with the realities of President Donald Trump's travel ban.

The financial implications are also interesting, and in true Money Making Sense style, Heather takes a closer look at the finance end of things. 

Money Making Sense facebook page

Jan 21, 2018
Carlos Morenos Jr., a voice actor with roles in Disney and Pixar's smash hit, Coco, is at the Sundance Film Festival to promote his new Legacy app. After you die, the app shares videos you pre-record with the people you love so you don't miss out on their big events later on. Money Making Sense host Heather Kelly talks about the app and Morenos's next big projects.
Jan 21, 2018
David Kallaway, known for his roles in Hidden Figures, The Magnificent Seven, Sunset Beach and more, stops by the Music Lodge at the Sundance Film Festival to chat with Money Making Sense host Heather Kelly.
Jan 21, 2018
19-year-old Emily Robinson, probably best known for her role as Rose on Amazon's Transparent, is at the Sundance Film Festival in two films: Eighth Grade and Private Lives. She's energetic, engaging and excited to chat about what's next for her with Money Making Sense's Heather Kelly.
Jan 19, 2018

I'm joined by the local Vice President of the Screen Actors Guild for Utah, Billy Holden.  He is a producer, actor, writer and director and talks about various projects filmed here in Utah.  

Mr. Holden is also in Utah for the Sundance Film Festival and to host a live stream viewing of the 2018 SAG Awards at local movies house Brewvies.  Find out why host Heather Kelly intends to interrogate him.

Money Making Sense Facebook Page

 

 

 

 

 

 

Jan 17, 2018

"Drug companies are spending time on things which make money, not that work."  That's according to filmmaker Jeff Witzeman.  He followed his wife with a camera through Stage 3 bladder cancer.  She came through on the other side, cancer free (in 30-days) with all her organs, and none of the side-effects which chemotherapy and radiation would have inflicted on her  body.  http://cancercanbekilled.com/ 

The Federal Drug Administration doesn't investigate natural cures because there is nothing to patent or make a profit. Germany, Sweden, and several other European countries use naturopathic medicine to heal cancer patients; Jeff says that happens at a third of the cost and with no side-effects.

How do you know what is legitimate and what isn't?  And what choices do children have in America when it comes to Leukemia or Lymphoma?

https://www.facebook.com/MoneyMakingSense/

Jeff is a panelist at the Indie Film Showcase at Sundance Film Festival in 2018. He'll be appearing alongside E! founder Larry Namer, Australian filmmaker David Raynor, filmmaker Sue Vicory, and eco-entrepreneur Allison Melody. Their panel, scheduled for Sunday, January 21 at Bodega Tapas and Wine on Main Street in Park City, will be moderated by I Entertainment News's Monica Morrison. 

Before making his first film, Jeff was an actor, writer and musician, appearing in shows like Frazier and Webster and even a Miller Genuine Draft Super Bowl commercial. 

 

 

 

 

Jan 16, 2018

Cancer in America is a 100-Billion dollar a year industry and the cost of chemotherapy drugs continues to rise. Filmmaker Jeff Witzeman was inspired to look into cancer treatment and the health industry after his wife, who was urged to have an organ removed as well as chemo and radiation, was able to beat cancer naturally in Germany in just 30 days. The result was his documentary, "Cancer Can Be Killed," streaming now on Amazon Prime, iTunes, GooglePlay, vimeo and VHX.tv. 

Jeff is a panelist at the Indie Film Showcase at Sundance Film Festival in 2018. He'll be appearing alongside E! founder Larry Namer, Australian filmmaker David Raynor, filmmaker Sue Vicory, and eco-entrepreneur Allison Melody. Their panel, scheduled for Sunday, January 21 at Bodega Tapas and Wine on Main Street in Park City, will be moderated by I Entertainment News's Monica Morrison. 

Before making his first film, Jeff was an actor, writer and musician, appearing in shows like Frazier and Webster and even a Miller Genuine Draft Super Bowl commercial. 

Jan 10, 2018

A new found potato species is over 10,000 years old.  Archaeologist Lisbeth Lauderback of the Natural History Museum found this indigenous tiny tuber in the Four Corners area of Utah and it might be the answer to feeding the world.

4 Corners Potato

Find out how Lisbeth and botanist Bruce Pavlik of Red Butte Gardens cultivated this ancient potato which, while very small, is highly nutritious.   Packing twice the protein, zinc and manganese, and three times the calcium and iron as other more well known potatoes.

http://www.hcn.org/issues/49.20/scientific-research-escalante-valley-how-an-ancient-potato-helped-indigenous-people-survive-climate-shifts:

And when can you start growing this little wonder potato in your backyard?

https://www.facebook.com/MoneyMakingSense/

Jan 10, 2018

A new found potato species is over 10,000 years old.  Archaeologist Lisbeth Lauderback of the Natural History Museum found this indigenous tiny tuber in the Four Corners area of Utah and it might be the answer to feeding the world.

4 Corners Potato

Find out how Lisbeth and botanist Bruce Pavlik of Red Butte Gardens cultivated this ancient potato which, while very small, is highly nutritious.   Packing twice the protein, zinc and manganese, and three times the calcium and iron as other more well known potatoes.

http://www.hcn.org/issues/49.20/scientific-research-escalante-valley-how-an-ancient-potato-helped-indigenous-people-survive-climate-shifts:

And when can you start growing this little wonder potato in your backyard?

https://www.facebook.com/MoneyMakingSense/

Jan 10, 2018

A new found potato species is over 10,000 years old.  Archaeologist Lisbeth Lauderback of the Natural History Museum found this indigenous tiny tuber in the Four Corners area of Utah and it might be the answer to feeding the world.

4 Corners Potato

Find out how Lisbeth and botanist Bruce Pavlik of Red Butte Gardens cultivated this ancient potato which, while very small, is highly nutritious.   Packing twice the protein, zinc and manganese, and three times the calcium and iron as other more well known potatoes.

http://www.hcn.org/issues/49.20/scientific-research-escalante-valley-how-an-ancient-potato-helped-indigenous-people-survive-climate-shifts:

And when can you start growing this little wonder potato in your backyard?

https://www.facebook.com/MoneyMakingSense/

Jan 10, 2018

A new found potato species is over 10,000 years old.  Archaeologist Lisbeth Lauderback of the Natural History Museum found this indigenous tiny tuber in the Four Corners area of Utah and it might be the answer to feeding the world.

4 Corners Potato

Find out how Lisbeth and botanist Bruce Pavlik of Red Butte Gardens cultivated this ancient potato which, while very small, is highly nutritious.   Packing twice the protein, zinc and manganese, and three times the calcium and iron as other more well known potatoes.

http://www.hcn.org/issues/49.20/scientific-research-escalante-valley-how-an-ancient-potato-helped-indigenous-people-survive-climate-shifts:

And when can you start growing this little wonder potato in your backyard?

https://www.facebook.com/MoneyMakingSense/

 

 

Jan 3, 2018

How do you stop the adrenaline flowing when one person spends too much money and the other won't spend anything at all?  

This week host Heather Kelly revisits one of her favorite interviews with relationship expert Dr Matt Townsend.  He explains how people can talk about money without fleeing or fighting.

http://www.matttownsend.com.  

Do you have Safety, Trust, Appreciation, Respect, Validation, Encouragement, and Dedication in your relationship?  If not, the fights over money will escalate.  AND, discover why your arguments aren't actually about the money.

https://www.facebook.com/MoneyMakingSense/

 

Dec 27, 2017

Alzheimers disease costs families $80,000 dollars a year to care for their stricken loved ones.  But, what if we could slow down, or even reverse, the damage the disease does?  Professor in BYU's biology department, John Kauwe, believes he's unlocked a way to just that.

http://kauwelab.byu.edu/

Find out what other treatments can slow progression of losing your memory in this episode of Money Making Sense.  Host Heather Kelly discusses the costs involved, and Dr. Kauwe explains why it's so important to talk about this silent killer.

https://www.facebook.com/MoneyMakingSense/

 

 

 

Dec 20, 2017

What could possibly happen if you tell a little white lie to the Department of Motor Vehicles about how much your car costs?  Find out when host Heather Kelly talks to Utah State Tax Commission spokesperson Charlie Roberts.

www.tax.utah.gov

They also discuss how not paying taxes affects you personally and your community.  

https://www.facebook.com/MoneyMakingSense/

Dec 15, 2017

Host heather Kelly is joined by Tax Planner Bob Thomas of Jones Simkins to discuss what you need in order to file your taxes for 2017... and beyond. Have you had a major life change this year?  Did you tell your CPA? If you don't have an accountant, Bob can help you:

http://jones-simkins.com/

And be sure to check out all the other tax and money advice on Heather's Facebook page:

https://www.facebook.com/MoneyMakingSense/

or subscribe via i-Tunes:

https://itunes.apple.com/us/podcast/cents-cents-ability/id1142678783?mt=2 

 

Dec 13, 2017

Sending a physical holiday card could be the key to getting promoted or getting a better job.  But, President of Allison & Taylor, Jeff Shane says there are some rules of etiquette.  Find out why e-cards just won't work if you want to be memorable at work.

https://allisontaylor.com/

And find out the 8 'Do's and Dont's' for sending workplace greetings.  Jeff Shane says it's the little things which could potentially offend bosses that are often times mentioned during background checks.

https://www.facebook.com/MoneyMakingSense/

 

Dec 6, 2017

Host Heather Kelly is joined by Steve Morgan, President of Westminster College to discuss the value of an education.

https://www.westminstercollege.edu/

What is the difference between a Liberal Arts and a technical school?  Is one better than another?  Tune into this bonus episode to get some insight into how you learn will affect you the rest of your life.

https://www.facebook.com/MoneyMakingSense/

Nov 29, 2017

The largest breach of a credit rating company happened in spring of 2017.  More than 145 million people affected.  Kiplinger's Personal Finance contributing editor, Lisa Gerstner has the tips you need to prevent thieves from stealing your money and/or your ID.

www.kiplinger.com

Find out what to do if you see strange activity on your credit report.  AND... is there anything you can do to keep someone from using your Social Security number once they have it?

 https://www.facebook.com/MoneyMakingSense/

 

 

Nov 22, 2017

Is the person asking for your charitable donation from a legitimate organization?  Host Heather Kelly learns how to identify a REAL Charity from a fraud.

https://www.charitynavigator.org/

Why should you give more money to your favorite charity THIS year and not wait til 2018?  The Chief Financial Officer for the Great Salt Lake Council of Boyscouts, Brian Sheets, explains.

https://www.saltlakescouts.org/boy-scouts

Find out why if the either the Senate or House new tax plan passes Congress, charities believe they will be in trouble and won't see as much money.

 

 

Nov 17, 2017

Every year from October 15 - December 7, you can elect to change, or keep, your Medicare plan.  But, how do you know which plan is best for you?  Contributing Editor from Kiplinger Personal Finance, Kim Lankford, joins host Heather Kelly to take the intimidation out of the sign up process.

www.kiplinger.com

But, what if you don't turn 65 until after the open enrollment?  Kim give the resources you need to get started.  And, she explains the difference between Medicare Part A, B, C, and D in this episode of Money Making Sense.

 

Nov 15, 2017

Getting into the college of your choice is dependent on how you will pay.  If you can't afford the tuition, where do you turn?  Host Heather Kelly is joined by President of Westminster College of Salt Lake City, Steve Morgan, to discuss who can help you, can you work your tuition off, and when should you start looking?

http://college-tuition.startclass.com/l/4103/Westminster-College

Also find out why it's so important to visit the Campus in person before deciding which College or University to attend.

https://www.facebook.com/MoneyMakingSense/

 

Nov 8, 2017

In this Bonus Episode with Certified Financial Planner Shane Stewart from DMBA  https://www.dmba.com/ and millennial Jason Jensen, we find out how ready Jason is to tackle investing.

Is it better to learn how to invest on your own, or use a financial planner.  Jason tells us what he plans to do.

https://www.facebook.com/MoneyMakingSense/

Nov 8, 2017

In this Bonus Episode with Certified Financial Planner Shane Stewart from DMBA  https://www.dmba.com/ and millennial Jason Jensen, we find out how ready Jason is to tackle investing.

Is it better to learn how to invest on your own, or use a financial planner.  Jason tells us what he plans to do.

https://www.facebook.com/MoneyMakingSense/

Nov 1, 2017

"How do I save for an emergency fund, let alone for retirement?"  This is a question many people ask themselves all the time.  I'm joined by millennial, Jason Jensen, who has 5-kids under 13-years of age to support, and Certified Financial Advisor, Shane Stewart, to discuss his financial situation.

https://www.dmba.com/

And, it's a common problem across the United States and the world.  When someone doesn't know how to start looking at their finances, how do they save for the future?  We take a real-life case with Jason, and walk through the steps to get him on the road to financial security.

https://www.facebook.com/MoneyMakingSense/

 

Nov 1, 2017

"How do I save for an emergency fund, let alone for retirement?"  This is a question many people ask themselves all the time.  I'm joined by millennial, Jason Jensen, who has 5-kids under 13-years of age to support, and Certified Financial Adviser, Shane Stewart, to discuss his financial situation.

https://www.dmba.com/

And, it's a common problem across the United States and the world.  When someone doesn't know how to start looking at their finances, how do they save for the future?  We take a real-life case with Jason, and walk through the steps to get him on the road to financial security.

https://www.facebook.com/MoneyMakingSense/

 To hear the rest of the interview, go to "This is why your financial vital signs are on life support" AUDIO ONLY episode.

Oct 30, 2017

The period from October 31st to December 31st is the busiest shopping time of year.  And if we aren't careful, we can easily overspend our allocated shopping dollars and go into debt.

Clint Peterson of Eide Bailly www.eidebailly.com has great advice on how to keep spending under control and stay out of bankruptcy court due to gifts and parties.

https://www.facebook.com/MoneyMakingSense/

Oct 26, 2017

In a bonus episode about diversity with Dr. Marco Barker, the Associate Vice President and Chief Diversity officer at Westminster College, https://www.westminstercollege.edu/about/office-of-the-president/presidents-cabinet we find out how staffing a bomb shelter is related to how we choose to interact with and hire at work.

Dr. Barker explains how the 'Four Frames' of business (Symbolic, Structural, Human Resources, and Political) affect whom we hire.  And, if you understand these four frames, you can change how you perceive those whom are different from ourselves.

https://www.facebook.com/MoneyMakingSense

 

 

Oct 25, 2017

Not having diversity in the workplace can affect your bottom line.  Are you hearing from the voice you are selling to?  The Chief Diversity Officer and Associate Vice President at Westminster College, Dr. Marco Barker, explains how to rethink the homogeneous company in favor of different colors, religions, sexes, and disabilities.

https://www.westminstercollege.edu/about/office-of-the-president/presidents-cabinet

But, we also discuss the importance of having individuals from various backgrounds to interact with on a personal level.  How does the  Christian man working in a mainly all white, male workforce benefit from having women, Muslims, and/or Veterans as his co-workers.  Find out in this episode of Money Making Sense.

https://www.facebook.com/MoneyMakingSense

Oct 18, 2017

The owner of The Artist Evolution marketing agency says 'Don't buy a duck' to succeed in business.  CEO Derek Champagne takes us through the steps to brand your business.  http://www.theartistevolution.com/

Whether you sell candles out of your basement or are a multi-million dollar company, these tips will help you launch your product to the right demographic.  And execute a marketing plan.

And if you can't get to Derek in person, his book 'Don't Buy a Duck' will help you save money as you become an entrepreneur.   http://dontbuyaduck.com/.

You can also get an entire course of marketing materials, some for free, at https://champagnemarketingcourses.com.  So, if you aren't afraid to fail, or to succeed, and are ready to make the leap as a business owner, this is the episode for you.

https://www.facebook.com/MoneyMakingSense

Oct 4, 2017

This week we revisit the subject of DIY versus hiring a contractor.  The host of DIY Network's 'Man Caves,' Jason Cameron, joins Heather Kelly to discuss when hiring a professional is actually cheaper than doing it yourself.  

(The picture on this episode cover will explain a lot).

http://jasoncamerononline.com/

Find out the best way to learn how to tile, what R-value means and what type of products you can use if you are worried about off-gassing.

Hopefully you get inspired to try some projects on your own.  But, also get a sense of when it will save you money to hire a professional.

https://www.facebook.com/MoneyMakingSense

 

Sep 27, 2017

Do you know how to get through unexpected life-events?  Deseret News Business Reporter Jasen Lee joins host Heather Kelly for a talk about how even the best savers can face money problems.

Jasen says learning at a young age, when you get your first job, to save a portion of you paycheck is the best way to form good financial habits.  And find out what he says was the best advice he ever got.

https://www.facebook.com/MoneyMakingSense/

Jasen is a fellow podcaster of the show 'Voices of Reason.'  You can listen to his show with co-host Amy Donaldson here:  https://itunes.apple.com/us/podcast/voices-of-reason/id1178725510?mt=2

And read his business articles at https://www.deseretnews.com/author/21634/Jasen-Lee.html

Sep 22, 2017

The dark net is where criminals go to conduct illegal activities.  But how does it work?  And should law abiding citizens be concerned about the underbelly of the internet?

Host Heather Kelly goes in-depth with guest the Director of Information Security Services at Tanner, LLC, John Pohlman, to get some answers.  

http://tannerco.com/

Find out why crypto-currencies are the commodity of choice for website criminals, why companies never say they are 'hack proof' and if your nanny cam is at risk from hackers. 

 https://www.facebook.com/MoneyMakingSense/

Sep 20, 2017

Host Heather Kelly asks listeners 'What's your problem?'  If you are dealing with an issue with which you need help, or don't know where to look, send her a message on Facebook.

https://www.facebook.com/MoneyMakingSense

If she doesn't know the answer from her experiences as a Hospital Director or with her degree in Management and as a Certified Bookkeeper, she'll find the expert to help you.

Subscribe to Money Making Sense via Apple Podcasts and you won't miss the answers to your questions.

https://itunes.apple.com/us/podcast/cents-cents-ability/id1142678783?mt=2

 

Sep 13, 2017

A major credit reporting agency was hacked this year.  And 143-million people could be impacted.  Now is the time to be pro-active and make sure your aren't victim to identity theft.

https://www.equifaxsecurity2017.com  

Equifax is giving EVERY Consumer access to FREE identity theft protection and credit file monitoring for ONE YEAR.  But, the fine print says they will start charging at the end of that year.  If you sign up for this service, set a reminder on your calendar to cancel at the end of the 1st year.

Utah's Governor is also giving help to those who may be affected by this Equifax hack at https://sbi.utah.gov/cyber-crimes/what-is-a-cyber-crime.  And you can contact the FBI if you know you've been the victim of Identity Theft through their website  https://fbi.gov/investigate/cyber.

You can also send any questions you have to me via my facebook page, and if I can't answer it myself, I will find the right expert who can.

https://www.facebook.com/MoneyMakingSense/

Sep 6, 2017

We have wellness gurus, sports trainers, and dieticians to help us achieve our goals.  Do you need a 'Debt Coach?'Anthony Hernandez, a Debt Analysis specialist, has the info you need to get "Financially Fit."

https://financiallyfit.com/

Knowing how to focus your extra money toward paying off credit cards, auto loans, or any other type of bill is key to becoming debt free.  It's called the Snowball effect, described and used by many financial gurus.

Once your debt is paid off, you need to have skills to start building your wealth or saving towards retirement or becoming a World Champion Ballroom dancer.  It's easy to slide into bad habits and be crushed by debt AGAIN if you don't have the right tools.

https://www.facebook.com/MoneyMakingSense/

 

Aug 30, 2017

Shopper extraordinaire, Holly Barraclough, is back to give us the skinny on how to save money on all your back-to-school supplies.  Check out https://www.raise.com/  or  https://www.cardcash.com/  to buy gift cards to your favorite retailers at a reduced rate.

Also, find out how to get your kids involved in getting their school supplies  --from scavenger hunts to school supply swaps.  Don't forget about helping the teachers who teach your kids by taking care of supplies the classroom needs.

Let's not forget about college students.  You can rent textbooks, instead of buy them, at http://www.chegg.com.  AND... find out what Holly says is the 'Biggest Waste of Money' a college student, or parent, can do.

 

Aug 25, 2017

Parents across the U.S. are feeling the pinch as they pay for back to school supplies for their kids.  Guests Mike Beach, Vice President of Finance at Southern Utah University and Susan Speirs, CEO of Utah Association of CPAs has tips on how to save money and prepare for the future.

www.uacpa.org

Host Heather Kelly finds out when the best time to buy your back-to-school supplies is... and the answer may surprise you.  Also, when should our high school kids start thinking about college tuition help?

https://www.suu.edu/scholarships.html

And teachers can get tax breaks any supplies they need to purchase for their classrooms.  But, can parents?  We answer that question on this week's episode of Money Making Sense.

https://www.facebook.com/MoneyMakingSense/

Aug 23, 2017

Should contraception be covered by insurance companies?  In Part 5 of Fixing Health Series, Dr. Brian Shiozawa, the Republican Utah State Senator from District 8 https://www.facebook.com/voteshiozawa/   and Dr. Kathie Allen, a Democrat running to replace Jason Chaffetz in the 3rd Congressional District http://www.drkathieforcongress.com/townhall/ tell host Heather Kelly what they think about the controversial subject.

Then they cover the subject of Pharmaceutical companies paying their CEO's exorbitant amounts of money at the expense of their employees and their customers' lives. 

https://www.facebook.com/MoneyMakingSense/

 

Aug 21, 2017

In part 4 of "Fixing Health Care" series, guests Democrat Dr. Kathie Allen, http://www.drkathieforcongress.com/townhall/  running for Jason Chaffetz seat in the 3rd Congressional Distric and Republican Senator Dr. Brian Shiozawa https://www.facebook.com/voteshiozawa/  representing District 8 of in Utah talk about what should be repealed from the Affordable Care Act.  

And find out what was one of the 'unintended' consequences of Obamacare. 

https://www.facebook.com/MoneyMakingSense/

Aug 16, 2017

The Republican led congress tried to repeal a large majority of the Affordable Care Act.  Calling it 'Skinny Repeal' with nothing legislated to take it's place.  

Host Heather Kelly asks her guests Republican Utah State Senator Dr Brian Shiozawa  https://www.facebook.com/voteshiozawa/  and Democrat Dr. Kathie Allen, http://www.drkathieforcongress.com/townhall/  who is running in the 3rd Congressional District to replace Jason Chaffetz, what would have happened if Obama care was repealed with no other health care plan in the works.

Find out why Dr. Shiozawa calls this the most complex issue facing American society today in Part 3 of Fixing Health Care.

https://www.facebook.com/MoneyMakingSense/

 

Aug 14, 2017

Insurance companies decide the price doctors should charge their patients.  So, what's affordable health care to one person isn't the same for another. 

http://www.drkathieforcongress.com/townhall/

Host Heather Kelly is joined by Dr. Kathie Allen, a Democrat running to replace Jason Chaffetz in the 3rd Congressional District, and by Dr. Brian Shiozawa, a Republican Utah State Senator from District 8.  Heather asks them what they think 'affordable' is in Part 2 of Fixing Health Care.

https://www.facebook.com/voteshiozawa/?ref=br_tf&sw_fnr_id=4014193550&fnr_t=0

What do these two politicians on opposite sides of the fence agree is 'affordable?'  What can Washington politicians learn from this discussion?  And what was their answer regarding what constitutes affordable health care?

https://www.facebook.com/MoneyMakingSense

Aug 11, 2017

Pregnancy used to be considered a pre-existing condition before the Affordable Care Act.  With the GOP led Congress trying to repeal Obamacare, will that mean pregnancy won't be covered under new insurance plans?

SavingMyHealthCare.com

Host Heather Kelly is joined by Dr. Brian Shiowaza, a Utah Republican State Senator from District 8 and Dr. Kathie Allen, a Democrat running for Jason Chaffetz 3rd Congressional District seat to discuss what can both sides agree upon in Part 1 of Fixing Health Care Series.

https://www.facebook.com/voteshiozawa/ 

These two politician doctors show Washington D.C. how to start the conversation on 'how to fix health care' by listening to the things both sides actually agree upon.

https://www.facebook.com/MoneyMakingSense/

Aug 9, 2017

Certified financial planner Shane Stewart from DMBA joins Host Heather Kelly to discuss when and how to save for retirement.  The number one thing to do is start saving early.  But, it's never too late.

Make sure you are received financial advice suitable for your situation in life.  Buying 10-life insurance policies at age 92 is not good advice.

https://www.dmba.com/nsc/savings/fpOverview.aspx

Shane explains how one client saved $600 in his 401k the last 3-paychecks of his entire career.  So, he was able to retire with some spending money for his long awaited vacation.  

http://www.ksl.com/?nid=1387&showid=2032&n=Cents%20&%20Cents-Ability

 

 

 

Aug 2, 2017

What is mystery shopping and is it legit? Fellow podcaster Andy Farnsworth with SLC Fanboys joins me as an expert mystery shopper to give insights into how this works.

http://www.ksl.com/?nid=1387&showid=2027&n=SLC%20Fanboys

Andy tells how he became a mystery shopper and host Heather Kelly gives details on where to find legitimate companies to shop for.

http://www.mspa-na.org/about 

And don't forget about Survey taking.  Find out how much money Heather Kelly has made in a 30-day period taking legitimate surveys.

 https://www.facebook.com/MoneyMakingSense/?ref=bookmarks

 

Jul 26, 2017

You're getting married and you know exactly what the elaborate reception will look like.  But, you only want to spend $300.  Christine Wannacot - event coordinator, Colleen Hanson - florist, and Chef Brian Richter from Temple Square Hospitality joins host Heather Kelly for a reality check.

https://www.templesquare.com/events/

How much could flowers, food, and an event hall set you back?  What you pay for the hall but bring in your own food and alcohol.... is it allowed?  And what are some ways to not spend any money at all?

All this is covered in this episode along with tips for brides to make their grooms feel included in the decision making process.  TIP:  narrow down your top 2 or 3 favorite items, then ask the groom to make final decision based on those options.  Also, ask for help from your community.  Maybe they can help find a church, American Legion hall, or have access to a country club.

https://www.facebook.com/MoneyMakingSense/

Jul 19, 2017

The old adage, it's never too late, applies for starting a 529 college savings account.  But, it's also never too early.  Executive Director for Utah Education Savings Plan (UESP) Lynne Ward says as soon as your child is born, you should start putting money away for their advanced schooling.  AND... if you sign up shortly after baby is born... you can get a FREE Onsie.

uesp.org

You also get multiple tax benefits for opening a 529 plan with UESP.  No taxes on the gains IF the money is used for Qualified Higher Education Expenses; which include, housing, computers, books, and tuition.

Kilplinger's, Morningstar Investors Service and Clark Howard all ranked UESP as the top Savings Plan available in the country.  You don't have to be a Utah native to open an account with them.

 

Jul 12, 2017

Developer Bill Knowlton of Parley's Partners discusses his latest project for low income earners.  Artesian Springs has 278-units available for under $300 a month.... IF you qualify.

http://www.emg-apts.com/artesian.htm

And Julie Steele from EMG also gives us information about how living in the modern complex is like.  All on this episode of Money Making Sense.

https://www.facebook.com/MoneyMakingSense/

 

Jul 7, 2017

Animation legend Ron Campbell joins host Heather Kelly to talk about his work.  You may not know his name but, you know Scooby Doo, The Jetsons, Rugrats, Yogi Bear, and dozens more.  

Ron retired in 2008 after animating the last cartoon in history by hand 'Ed, Edd & Eddy' (animation is now done digitally).  Currently, he tours the country with paintings based on the animated characters he helped create.  His most popular artwork is scenes from The Beatles "Yellow Submarine" movie. 

https://www.rockartshow.com/

If you loved The Flintstones, The Smurfs, or my favorite, The Beatles Saturday morning cartoon show growing up, you won't want to miss this episode of Money Making Sense.

https://www.facebook.com/MoneyMakingSense/

 

Jul 5, 2017

A new study from the McKinsey Global Institute found women provide anywhere from two - ten times as much care in the home as men.  This includes child care, aging parent care, and housework.  Dr. Susan Madsen, the director of Utah Women & Leadership Project, discusses how societies in the U.S., Asia, Europe and Middle East  affect the equality gap of labor in the home between the sexes.

http://www.uvu.edu/uwlp/

What are the factors which keep a majority of women doing a 'second shift' at home, even when they work full-time jobs?  Are parents unconsciously demonstrating to their kids the value of the work boys and girls do from an early age?  If unpaid home care providers were given a salary, both men and women could bring in $49,000 a year on a 40-hour work week.  

Having a disproportionate work load between men and women in the home can have negative consequences on health and future earnings.

https://www.facebook.com/MoneyMakingSense/

 

Jul 1, 2017

New laws taking place on July 1, 2017 could increase your credit rating.  Host Heather Kelly explains what changes will increase your score and how that will increase your chances for qualifying for a loan or credit card.  

What is the highest credit score you can achieve?  How does a lower rating affect your interest rate?  What type of debt will still affect me?  These questions and more will be answered in this SPECIAL quick episode of Money Making Sense.

https://itunes.apple.com/us/podcast/cents-cents-ability/id1142678783?mt=2

Jun 30, 2017

Your younger teenager may not have a job yet, but he/she should definitely have an understanding of saving money in a bank.  Maybe, they are about to get their first summer job, do they know the difference between Social Security and 401k deductions?  Certified Financial Adviser Shane Stewart joins host Heather Kelly and 3-young teens; Katie - 17, Taysia - 15, and Will -14, to discuss a financial quiz they took from an International test given to 15-year olds.

http://www.oecd.org/finance/financial-education/oecdpisafinancialliteracyassessment.htm

Find out if you know more than a 14-year old by going to the Money Making Sense Facebook Page to see the test given the teens.  And how about your teen?  Could you or they pass this test?

https://www.facebook.com/MoneyMakingSense/?notif_t=page_fan&notif_id=1498494903127341

Jun 30, 2017

How ready is your older teen to face the issues of finance?  Do they know the difference between Social Security and a 401k on their paycheck?  Join Certified Financial Advisor Shane Stewart and host Heather Kelly as they go over test results with Cayden - 17, Stephanie - 17, and Christopher - 18.  

http://www.oecd.org/finance/financial-education/oecdpisafinancialliteracyassessment.htm

Also, go to Money Making Sense Facebook Page to see the test questions given to these teens.  Could you do better than a 17-year old?  How about your teenager; give them the quiz to see if they are ready for the financial world which awaits them.

https://www.facebook.com/MoneyMakingSense/?notif_t=page_fan&notif_id=1498494903127341

 

Jun 30, 2017

Your younger teenager may not have a job yet, but he/she should definitely have an understanding of saving money in a bank.  Maybe, they are about to get their first summer job, do they know the difference between Social Security and 401k deductions?  Certified Financial Adviser Shane Stewart joins host Heather Kelly and 3-young teens; Katie - 17, Taysia - 15, and Will -14, to discuss a financial quiz they took from an International test given to 15-year olds.

http://www.oecd.org/finance/financial-education/oecdpisafinancialliteracyassessment.htm

Find out if you know more than a 14-year old by going to the Money Making Sense Facebook Page to see the test given the teens.  And how about your teen?  Could you or they pass this test?

https://www.facebook.com/MoneyMakingSense/?notif_t=page_fan&notif_id=1498494903127341

Jun 30, 2017

How ready is your older teen to face the issues of finance?  Do they know the difference between Social Security and a 401k on their paycheck?  Join Certified Financial Advisor Shane Stewart and host Heather Kelly as they go over test results with Cayden - 17, Stephanie - 17, and Christopher - 18.  

http://www.oecd.org/finance/financial-education/oecdpisafinancialliteracyassessment.htm

Also, go to Money Making Sense Facebook Page to see the test questions given to these teens.  Could you do better than a 17-year old?  How about your teenager; give them the quiz to see if they are ready for the financial world which awaits them.

https://www.facebook.com/MoneyMakingSense/?notif_t=page_fan&notif_id=1498494903127341

 

Jun 28, 2017

The 2017 Benchmark Compensation Survey shows the average wage for all entry level employees in Utah is $13.81 per hour.  Does your take-home pay reflect this average?  The President of the Utah Employers Council, Ryan Nelson, has more information about salary standards.

www.msec.org

We then cover the hot industry of Information Technology.  Did you get a signing or retention bonus?  Did it meet the standard for the Western United States?  And how likely are you to do IT work for the company you support or be outsourced?

http://www.ksl.com/?nid=1387&showid=2032&n=Cents%20&%20Cents-Ability

 

Jun 21, 2017

The world of gaming is extensive.  Whether you're looking to take games with you or stay at home... there's an app for that.  But, initial costs will run hundreds of dollars for xbox, playstation and wii.  Host of Popular Technology Radio, Jason Masters, breaks down what type of equipment is best for you.

The world of gaming has it's own type of currency, which could pay off big-time.  We've all heard of bit-coin, but how about ethereum, game credits, or ripple?  Ethereum currency has risen from $5.00 to $400 in just 30-days.  You can use these on-line currency to buy real world items and keep your kids away from your credit card by buying gaming credits and sending it to them.

But, too much gaming can lead to gambling addictions, losing time at work, not interacting with friends and family.  It's important to have a balance.

Jun 14, 2017

A great time saver is to have your bank pay your bills for you.  But, you could run into problems if you don't monitor your account balance.  Editor of Kiplinger.com, Lisa Gerstner has tips to saving time and money.

http://www.kiplinger.com/

Kiplinger, along with Net Services, ranked Ally Bank as best overall for all banking needs, but which Credit Union got the highest score in the land?  And if you are looking for a specialty bank, what are some the key words to search?

If you move exclusively to on-line banking, how to you deposit a check?  Lisa explains in the last segment of this episode.

https://www.facebook.com/MoneyMakingSense/

Jun 7, 2017

The economy may be on the up-swing, but not everyone is profiting.  Even if you are struggling with finances, there are 2 things you can do to avoid filing for bankruptcy.  Shane Stewart, certified financial planner from DMBA, has tips to keep you in your home.

https://www.dmba.com/nsc/savings/fpOverview.aspx

Find out why Credit Counseling is better than Debt Relief, and won't cost as much.  Should you file for bankruptcy when the finances get tight?  Will you lose you house and car?  

Learn the difference between Chapter 7 and Chapter 13 and which one is best for your personal situation.  And what happens after bankruptcy?

http://www.ksl.com/?nid=1387&showid=2032&n=Cents%20&%20Cents-Ability

 

 

Jun 5, 2017

Some women still leave the financing to their significant other.  And that spells trouble if the bill-paying spouse dies, or leaves the relationship.  Owner of Gardner Estate & Trust, CPA, Ronda Gardner and Susan Speirs, CEO of Utah Association of Certified Public Accountants have stories of women arriving destitute in their offices 18-months after the death of a spouse because they never learned about the family's finances.

Spouses need to educate each other in where the assets are kept.  Who is the family CPA, real estate agent, financial planner?  Which banks house the cash, 401k and IRA accounts?  Weekly, or monthly, meetings are a must for a married couple.  Even if only one person is in charge of finances, the other must know how it works.

What if you survived an abusive relationship and now it's over.  If you were forced to sign financial paperwork without knowing what it actually contained, you could be eligible for Innocent Spouse Relief when tax season rolls around.

 

 

May 31, 2017

In part 3 of 'Death & Taxes' we find out who pays the taxes when someone dies.  Is it the estate, the beneficiaries?  And what is the difference between a will and a trust, anyway?  Ronda Gardner, owner of Gardner Estate & Taxes, CPA and the CEO of Utah Association of CPA's, Susan Speirs answer these questions, and more.  Find out why it is so important to have everything in order before you die.  

May 31, 2017

In part 2 of 'Death & Taxes' we take on lower & middle class income earners.  You have a modest estate, a middle class home, maybe a couple thousand in a 401k and you don't know how to divide it up among your beneficiaries.  Ronda Gardner owner of Gardner Estate & Trust, CPA and the CEO of Utah Association of Certified Public Accountants, Susan Speirs sifts through the process. What's the best way to prevent in-fighting between multiple people who inherit?  Why designating a 'specific bequest' could save your inheritor from paying taxes.

May 31, 2017

In part one of my Death & Taxes series, we tackle rich people.  Inheritance tax laws get very tricky when you have a lot of money and/or assets to pass on to relatives.  Ronda Gardner of Gardner Estate & Trust, CPA helps us understand how to best avoid that 40-percent inheritance tax.

 

May 24, 2017

Living paycheck-to-paycheck makes it very hard to put away $1000 for an emergency fund.  But, The Penny Hoarder editor, Justin Cupler, has a month by month plan to do just that.

https://www.thepennyhoarder.com/

Start by opening a savings account which puts money in your account.  Then, sell items you don't need or use in your house.  You can also get the internet to work for you on purchases you already make.

Become a mystery shopper and someone who fills out surveys.  It takes a little bit of extra time and effort each month; but, all these activities will get you to your goal at the end of one year.

https://www.facebook.com/MoneyMakingSense/?ref=bookmarks

 

May 17, 2017

The co-founder of Altra Running explains how baking shoes in a toaster oven led to a 25-million dollar company.  Jeremy Howlett and his cousin, Golden Harper, became world-wide entrepreneurs by being passionate about their idea and using social media to connect with seed investors and capital venturists.

www.altrarunning.com/

Howlett explains the different ways to find financial backing for your great idea, and why you shouldn't give up when you've been turned down by some of the biggest names in the industry.  

Altra Running is not resting on their laurels, they continue to be on the cutting edge by combining smart technology into their shoes.  You need to keep the creative juices flowing if you want to continue to grow your business.

https://www.facebook.com/MoneyMakingSense/?ref=bookmarks

 

 

May 10, 2017

If you're looking to collect more interest than your average CD or IRA stock portfolio, peer-to-peer lending may be for you.  Investor Ruben Schoenfeld discusses how programs such as Prosper and Lending Club can yield income with as little as $25 investment.

And if you need a loan but can't get one through a bank, this may be the place for you to try.  Multiple people chip in small amounts of money to fund the loan amount you need.  But, this is NOT a Go-Fund-Me account.  You still have to pay back the loan.

Find out the different risk levels, how much, or little, money you can make by investing in people. So whether you need a loan for home improvements, debt consolidation, baby or adoption loans, these programs could work for you.

https://www.facebook.com/MoneyMakingSense/

 

 

May 3, 2017

Mind & Body Alchemist, Jacqueline Morasco, joins host Heather Kelly to discuss saving big bucks by making your own cleaning supplies.  Not only can you pinch pennies, but you can save your health, which saves more money in the long run.

Learn which cleaning supplies are the most harmful to your health by downloading the FREE App - Healthy Living.  And find out how cheap it can be for a 2-year supply of home-made cleaning ingredient.  Jacqueline walks us through a few recipes and you can find more info on her website at http://spiritedpractice.com/  and on Etsy.

https://www.facebook.com/MoneyMakingSense/

 

 

Apr 26, 2017

Interest rates are rising, so many people are looking at buying a home now or refinancing.  But, what about paying off your mortgage faster than 30-years?  Associate Lending Associate of Guild Mortgage, Cari Kimball Meabon, disussing when you should invest your money in your house and when you shouldn't.  

http://www.loansbycari.com

We also cover tax implications and what happens to your credit rating when you pay off your mortgage sooner rather than later. And, re-amortization (also known as re-casting) may be a cheaper way to lower your monthly mortgage payments.

Getting help from a CPA, loan officer, or financial specialist can help you determine if you should throw all your extra money toward monthly payments, retirement, or other needed expenses.

https://www.facebook.com/MoneyMakingSense/

Apr 19, 2017

Phone scams and internet phishing are how most con-artists get money these days.  Former check fraudster, Frank Abagnale, famously played by Leonardo DiCaprio in "Catch Me if You Can," gives tips on how to spot the scheme.

His first career was pretending to be an airline pilot, a doctor, and a lawyer and he cashed fake checks for his income.  After several years in Federal Prison, he was asked by the FBI to use his experience to catch other con-artists.  And now he works closely with AARP Fraud Watch Network to teach the public what to look out for when the phone rings and when you get an e-mail asking for information.

http://www.aarp.org/money/scams-fraud/fraud-watch-network/?intcmp=AE-SEARCH-AARPSUGG-fraud-watch-network

Don't get taken... and 'catch' this episode of Money Making Sense.

https://www.facebook.com/MoneyMakingSense/

Apr 19, 2017

Frank Abagnale, famously played by Leonardo DiCaprio in "Catch Me if You Can" discusses his exploits between 16 and 21 years of age as one of the most prevalent check cashing fraudsters in the world.  He also managed to pull-off pretending to be an airline pilot, a doctor and a lawyer.  

He now uses his skills to teach banks, businesses and everyday people how to spot a faker.  Who is most likely to be scammed in this day and age?  Does Frank say it's easier or harder with today's technology to pull the wool over people's eyes?  

Mr. Abagnale has teamed up with AARP Fraud Watch Network http://www.aarp.org/money/scams-fraud/fraud-watch-network/?intcmp=AE-SEARCH-AARPSUGG-fraud-watch-network to give free presentations to the public.

Here more from this 3-part episode of Money Making Sense.

https://www.facebook.com/MoneyMakingSense/

 

Apr 19, 2017

Best known from the book and movie of the same title "Catch Me If You Can," former con-artist Frank Abagnale, famously played by Leonardo DiCaprio, joins host Heather Kelly to discuss what to look out for in this day and age.

How factual was the movie when portraying Frank's impersonations of a pilot, a doctor, a lawyer and check cashing schemes? And how did he go from thief to FBI advisor to the AARP Fraud Watch Network?  http://www.aarp.org/money/scams-fraud/fraud-watch-network/?intcmp=AE-SEARCH-AARPSUGG-fraud-watch-network

We find out in this episode of Money Making Sense.

https://www.facebook.com/MoneyMakingSense/

Apr 18, 2017

Hang up the phone!  That's the advice from IRS Assistant Special Agent in Charge, Mike Brock.  If someone calls you on the phone and the caller ID says U.S. Government or the IRS, chances are it's a scammer.  Find out what the https://www.irs.gov really does if you owe money.  https://www.treasury.gov/tigta/

How do you know if your tax preparer is legit?  Susan Speirs of http://www.uacpa.org/ has great advice on making sure the accountant you pick won't try to skim money off the top or take a percentage of your refund.  Did you know you are liable for your tax return, even if you did NOT prepare it?  http://www.dopl.utah.gov/

Know the top 3-red flags of IRS scammers and reduce your chances of identity theft.

https://www.facebook.com/MoneyMakingSense/

Apr 12, 2017

Do you wake up every morning surrounded by piles of stuff?  The owner of First Security Financial, Trent Dransfield, can help you bring energy and money into your life by getting rid of items in your home.  

dransfieldandassociates.com 

Do you have vintage board games, old smart phones, or even chargers?  They can make you quite of bit of money if you part with them.  And you could discover you have more than one of the same item, like hats, shoes, or office supplies.  Plus, you may find things you didn't even know you owned when you de-clutter.

And how does de-cluttering get you a better price on the home you want to sell and save you money when you move?  Find out on this episode of Money Making Sense with Heather Kelly.

https://www.facebook.com/MoneyMakingSense/

Apr 5, 2017

It's no secret the cost of medication keeps rising.  And it's affecting those people who need it the most.  The Outreach Program Director, Peter Hebertson, and the Medicaire Options Coordinator, McKenzie Scott, for Salt Lake County Aging & Adult Services joins host Heather Kelly to discuss this growing problem.

If you are in the United States on a fixed income, lower income, or struggling to pay for needed prescriptions and health care, you can go to http://www.eldercare.gov/ to find the help closest to you.  Aging & Adult service coordinators across the country are trained to find the best cost savings whether your on Medicare, Medicaid, SHIP or no insurance at all.  

You can also call 385-468-3200 for general information.  And there are programs worldwide designed to help people who need assistance paying for life-saving medications and health care.

https://www.facebook.com/MoneyMakingSense/

 

 

 

Mar 31, 2017

Managing partner of WSRP, LLC accounting firm in Utah, Jerry Bregg, joins host Heather Kelly to discuss last minute prep before the tax filing deadline.  Are you getting all the deductions and credits you can? http://www.wsrp.com/  

Do you have all your W-2s, 1099s, 1098s in place?  Have you been putting off filing your taxes because you may owe money?  You can postpone filing BUT you have to pay your taxes on-time.  How does that work?

And Americans who live out-of-the-country still have to pay taxes even if the company they work for isn't based in the United States.  Tune into this episode find out what you need to know.

https://www.facebook.com/MoneyMakingSense/

Mar 29, 2017

70-years ago, the first issue of Kiplinger's Personal Finance Magazine welcomed Republicans back to the White House, a bullish Wall Street, and a change in interest rates.... sound familiar? Kiplinger's editor Janet Bodnar joins us on this episode of Money Making Sense to find out if what's old is new again.

In this episode discover:

  • How contributing in a 529 State College Plan can save you money and fund a college education.
  • Is investing in the stock market investing in the U.S. Economy?
  • When is it good to take risks and when do you want to be conservative?
  • Should you buy a new or used car?
  • How to live below your means to build your wealth.

Money Making Sense is hosted by KSL NewsRadio's Heather Kelly. KSL NewsRadio is part of Bonneville Media and based in Salt Lake City, Utah.

Mar 22, 2017

Financial guru Gary Gygi of Gygi Capital Management discusses financial responsibility after getting out of college.  People with certain degrees are more apt to buy very expensive cars, and other people or more apt to take on excessive credit card debt and not pay it back.

http://gygicapital.com/

Find out why people with MBA's have the most debt, more than undergrads and PhD's.  How should you 'live your truth?'  AND how choosing a college can start you off on the right foot financially.  

https://www.facebook.com/MoneyMakingSense/

Mar 15, 2017

What is PTO and are you getting the most out of this work benefit?  Are you providing a competitive vacation package to your employees for your industry standards?  The Utah President of the Employers Council, MSEC.org, Monica Whalen has the data from a new survey about Paid Time Off policies across the Intermountain West.

Do all full-time employees get the same amount of flexibility when in negotiations for a new job?  Can you swap out extra days off for increased salary.... and should you?  Does having unlimited time off at a job really give you peace of mind?  

And what about part-time employees... what type of benefits can they expect in the workforce? And what are the top 3-things employees are looking for from their employer.

 https://www.facebook.com/MoneyMakingSense/

Mar 10, 2017

VIDEO -DIY Network host Jason Cameron joins Heather Kelly for a realistic discussion of what you can reasonably do yourself when it comes to do-it-yourself home improvement projects, and what kinds of renovation work truly require a contractor. http://jasoncamerononline.com/

Does it make sense to spend the money on a professional job every time? When and where can you save some cash by taking on a project on your own? 

https://www.facebook.com/MoneyMakingSense/

Mar 8, 2017

The latest gender study shows girls feel they are not as smart as boys in math by the time they are 6-years of age.  But, how does this affect the choices women make when going to college and their careers?  And, what if a boy wants to go into a stereo-typical nurturing field like nursing?  How are they treated by society?

Associate professor of sociology from Westminster College, Dr. Kristjane Nordmeyer www.westminstercollege.edu discusses these issues with host Heather Kelly.  Is it a self-choice not to go into the STEM areas of education?  Are institutions not welcoming to women or are parents not supportive when boys or girls go into a field dominated by the opposite sex?  

 https://www.facebook.com/MoneyMakingSense/

Mar 1, 2017

Is time or money the deciding factor in how you get to/from an airport?  Maybe both hold equal sway.  Director of MileCards.com, Brian Karimzad, details if the train, Uber/Lyft, or taxi will save you time and/or money in various cities. 

To find out if the airport you're heading to has the best or worst transportation check out this article: http://milecards.com/best-airports-for-transit-global-and-u-s-2017-rankings/  Salt Lake City was ranked 8th best in the U.S. for light rail transportation the the airport.

Best advice is to research your options before you go and know if you prefer to save money, time or both.

https://www.facebook.com/MoneyMakingSense/

Feb 22, 2017

Are you planning a trip or just going out to dinner at a local restaurant?  KSL News Radio reporter Mark Jackson https://twitter.com/KSLMarkJackson has the skinny on Apps that will save you money.

Do you need a hotel room for a last minute business trip, spring fling or just to get out of town?  HotelTonight will present you with a good deal... but you need to know when to book.  How about a concert, play or sporting event?  SeatGeek will get you great prices at almost any arena, large or small.  Or do you struggle to figure out how much tip to leave your server?  What if you're in a large group and need to split the bill?  TipCalculator can help.

And for all your shopping needs Flipp can help you find the best deals close to your location on groceries, clothing, and even fast food.  

https://www.facebook.com/MoneyMakingSense/

Feb 15, 2017

The most important thing to know before meeting a sales person is: 'What's the goal?'  Do you want the phone to ring, on-line website traffic, or people physically walking in your door.

Not sure where to advertise?  Should you advertise?  Can you really drive sales to your business?  These questions and more are discussed with KSL Account Manager Ryan Uffens.  

What questions should you ask a sales rep who wants to take your money?  What return on investment should you expect when paying out to bring people to your door?  And how much money does it cost for on-line advertising?  

https://www.facebook.com/MoneyMakingSense/

 

Feb 8, 2017

Winter weather has taken a toll on drivers, state troopers and road crews.  Find out how your tax dollars are impacted when Utah Highway Patrol Sergeant Todd Royce sits down with host Heather Kelly.

They discuss how bad behavior impacts the amount of crashes seen when people drive too fast for the road conditions.  Car repairs, medical bills, and loss of work productivity all effect your pocket book.

And don't forget about the costs of paying police and snowplow drivers overtime.  They get paid by the public and next year your tax rate could increase to pay depleted government funds.

 https://www.facebook.com/MoneyMakingSense/

 

Feb 6, 2017

Did you come into an inheritance this past year?  It could be completely tax free.  Or, you may owe some fees.  Brandon Allfrey, a member of the Utah Association of Certified Public Accountants UACPA.org, has the info you need to help itemize your deductions.

Do you have to pay for a cell phone bill that you use for work?  You might be able to deduct the expenses.  Have you moved for a new job?  Find out why a CPA can help you get the biggest tax liability reduction or tax refund.

https://www.facebook.com/MoneyMakingSense/

Feb 6, 2017

Is my tuition tax deductible?  Can I claim my child as a dependent while they are in college?  CPA Mike Criddle from the Utah Association of Certified Public Accountants UACPA.org answers some of the questions you may have about paying taxes on a student loan your child has, but you co-signed.  Find out more on this episode.

https://www.facebook.com/MoneyMakingSense/

Feb 6, 2017

Is my tuition tax deductible?  Can I claim my child as a dependent while they are in college?  CPA Mike Criddle from the Utah Association of Certified Public Accountants UACPA.org answers some of the questions you may have about paying taxes on a student loan your child has, but you co-signed.  Find out more on this episode.

 https://www.facebook.com/MoneyMakingSense/

Feb 6, 2017

The IRS will not call you.  PERIOD.  If you get a phone call from someone demanding immediate payment for taxes, hang up the phone.  CPA Garrett Koerner of the Utah Association of Certified Public Accountants UACPA.org walks us through the various ways scammers try to take your money.  He also explains how to protect yourself from getting that phone call.  But, there are other scams out there as well.  This show will help you identify the scams and find out how a CPA can protect you.

https://www.facebook.com/MoneyMakingSense/

Feb 6, 2017

The IRS will not call you.  PERIOD.  If you get a phone call from someone demanding immediate payment for taxes, hang up the phone.  CPA Garrett Koerner of the Utah Association of Certified Public Accountants UACPA.org walks us through the various ways scammers try to take your money.  He also explains how to protect yourself from getting that phone call.  But, there are other scams out there as well.  This show will help you identify the scams and find out how a CPA can protect you.

https://www.facebook.com/MoneyMakingSense/

Feb 6, 2017

Can you claim a child going to college as a deduction?  Did you know you might be able to claim a married child on your taxes?  CPA Angie Morris from Utah Association of Certified Public Accountants UACPA.org will guide us through some of the more interesting ways of claiming children, adult and under 17, as deductions.  Or better yet, getting a tax credit.  Are you sharing custody of a child?  Which parent gets to claim them on your taxes?  Find out on this episode.

https://www.facebook.com/MoneyMakingSense/

Feb 6, 2017

Can you claim a child going to college as a deduction?  Did you know you might be able to claim a married child on your taxes?  CPA Angie Morris from Utah Association of Certified Public Accountants UACPA.org will guide us through some of the more interesting ways of claiming children, adult and under 17, as deductions.  Or better yet, getting a tax credit.  Are you sharing custody of a child?  Which parent gets to claim them on your taxes?  Find out on this episode.

https://www.facebook.com/MoneyMakingSense/

Feb 6, 2017

Do you give to charities?  You may be able to deduct your donations, money & items, on your taxes.  CPA David Cash from Utah Association of Certified Public Accountants UACPA.org explains when charitable donations kick in.  He'll also discuss moving expenses.  Can you take deductions any time you move, no matter how close or far away?  And, don't forget about your car.  When it counts as personal property and when it doesn't for tax deductions.

https://www.facebook.com/MoneyMakingSense/

Feb 6, 2017

Do you give to charities?  You may be able to deduct your donations, money & items, on your taxes.  CPA David Cash from Utah Association of Certified Public Accountants UACPA.org explains when charitable donations kick in.  He'll also discuss moving expenses.  Can you take deductions any time you move, no matter how close or far away?  And, don't forget about your car.  When it counts as personal property and when it doesn't for tax deductions.

https://www.facebook.com/MoneyMakingSense/

Feb 6, 2017

What is the monetary penalty for not having insurance?  Did you only have health insurance for part of the year?  CPA Mariah Nielsen from Utah Association of Certified Public Accountants UACPA.org walks us through the complications of the Affordable Care Act.  There's a lot of extra paperwork for everyone whether you've carried health insurance or not; so having a CPA to guide you is important.  And how about business owners?  How does 'Obama Care' affect you?

https://www.facebook.com/MoneyMakingSense/

Feb 6, 2017

What is the monetary penalty for not having insurance?  Did you only have health insurance for part of the year?  CPA Mariah Nielsen from Utah Association of Certified Public Accountants UACPA.org walks us through the complications of the Affordable Care Act.  There's a lot of extra paperwork for everyone whether you've carried health insurance or not; so having a CPA to guide you is important.  And how about business owners?  How does 'Obama Care' affect you?

https://www.facebook.com/MoneyMakingSense/

Feb 6, 2017

Are you behind in saving for retirement?  How much can you contribute to an IRA fund to get caught up?  How will those contributions help my bottom line on my taxes?  CPA Robert Cole from Utah Association of Certified Public Accountants UACPA.org will walk us through the differences of a Roth & Traditional IRA.  And at what age can you add additional funds?

https://www.facebook.com/MoneyMakingSense/

Feb 6, 2017

Are you behind in saving for retirement?  How much can you contribute to an IRA fund to get caught up?  How will those contributions help my bottom line on my taxes?  CPA Robert Cole from Utah Association of Certified Public Accountants UACPA.org will walk us through the differences of a Roth & Traditional IRA.  And at what age can you add additional funds?

https://www.facebook.com/MoneyMakingSense/

Feb 6, 2017

Do you work from home?  Whether it's full-time, part-time, or you simply use one-drawer to keep office papers, you could qualify for deductions on your taxes.  CPA Mark Palmer from Utah Association of Certified Public Accountants UACPA.org  discusses some of the options available to you.

https://www.facebook.com/MoneyMakingSense/

Feb 6, 2017

Do you work from home?  Whether it's full-time, part-time, or you simply use one-drawer to keep office papers, you could qualify for deductions on your taxes.  CPA Mark Palmer from Utah Association of Certified Public Accountants UACPA.org  discusses some of the options available to you.

https://www.facebook.com/MoneyMakingSense/

Feb 6, 2017

 

You may know you can claim a child as a deduction but you can also get tax credits for them as well.  And what about grand kids?   Some grandparents may be eligible for an Earned Income Credit if they're raising their grandchildren.  Brandon Allfrey, a member of the Utah Association of Certified Public Accountants UACPA.org, has the info you need.

Do you have to pay for a cell phone bill that you use for work?  You might be able to deduct the expenses.  Have you moved for a new job?  Find out why a CPA can help you get the biggest tax liability reduction or tax refund.

https://www.facebook.com/MoneyMakingSense/

 

Feb 6, 2017

Hundreds of thousands of tax refunds were paid to thieves who stole Social Security numbers.  Kent Christensen, a member of the the Utah Association of Certified Public Accountants UACPA.org discusses what you can do to minimize the chances of someone getting a hold of your sensitive information.  That includes your children's names, credit card info, and place of residence or work.  Learn what the IRS is doing to protect people against identity theft and how a CPA can help.

https://www.facebook.com/MoneyMakingSense/

Feb 6, 2017

Hundreds of thousands of tax refunds were paid to thieves who stole Social Security numbers.  Kent Christensen, a member of the the Utah Association of Certified Public Accountants UACPA.org discusses what you can do to minimize the chances of someone getting a hold of your sensitive information.  That includes your children's names, credit card info, and place of residence or work.  Learn what the IRS is doing to protect people against identity theft and how a CPA can help.

https://www.facebook.com/MoneyMakingSense/

Feb 6, 2017

The CEO of Utah Association of Certified Public Accountants, Susan Speirs, discusses the benefits of using a reputable CPA.  UACPA.org.  Why would a CPA be better than a tax preparer from H&R Block, Jackson Hewitt, Liberty Tax, etc?  What deductions or credits are you missing that could give you a bigger refund?  How can a Certified Public Accountant help you moving forward for next year's taxes?  Tune in to find the answers.

 https://www.facebook.com/MoneyMakingSense/

Feb 6, 2017

The CEO of the Utah Association of Certified Public Accountants, Susan Speirs, discusses the benefits of using a reputable CPA.  UACPA.org.  Why is a CPA better than a tax preparer from H&R Block, Jackson Hewitt, Liberty Tax, etc?  What deductions or credits are you missing that could get you a bigger refund?  How can a Certified Public Accountant help you moving forward for next year's taxes?  Watch this episode to find out.

https://www.facebook.com/MoneyMakingSense/

Feb 1, 2017

Fellow KSL News Radio podcaster Thomas McConkie joins host Heather Kelly to discuss how to change the inner conversation you have with yourself about money.  Thomas uses meditation to change his relationship with eating, sleeping, and stress.  https://itunes.apple.com/us/podcast/mindfulness+/id1156618440?mt=2

Thomas and Heather talk about how stress over money affects your health and how Mindfulness+ can be used to improve your self worth and reduce the need to overspend.  When stress levels are reduced it leads to reduced health care costs and lower credit card bills and leaves a fatter wallet in your possession.

https://www.facebook.com/MoneyMakingSense/

 

 

 

Jan 27, 2017

Are you getting all the deductions you deserve on your taxes?  The Utah Association of Certified Public Accountants www.uacpa.org/ wants to make sure you are maximizing your returns.  

Stay tuned for a series of 10-tax tips featuring various accountants from UACPA.  We'll delve into handling IRA & retirement funds, Earned Income Credits, writing off your home business, avoiding identity theft and so much more.

Don't file your taxes until you hear these tips.

https://www.facebook.com/MoneyMakingSense/

 

Jan 25, 2017

Salt Lake Comic Con is hosting FanX 2017, March 17 & 18th.  Founders Dan Farr & Bryan Brandenburg bill this as 'an intimate, fun, family-oriented, unique and even MORE AFFORDABLE FanXperience for attendees.'  http://saltlakecomiccon.com/fanx-is-back/

Deseret News Reporter McKenzie Romero http://www.deseretnews.com breaks down the costs for attending this year's 2-day event and the celebrities scheduled to attend; think Harry Potter, Princess Bride,  Walking Dead, and Weird Al Yankovic.  With more people announced every week.  Find out what trinket Host Heather Kelly picked up from one of her visits to Comic Con.

https://www.facebook.com/MoneyMakingSense/

Jan 18, 2017

Average rent in Utah is $1237 per month, but only $590 in Alabama.  However, prices go much higher the closer to a big city you get; and the same holds true everywhere across the United States.  

With rents skyrocketting in Seattle, San Francisco & New York, is buying the way to go?  The median home price along the Wasatch Front is $250,000.  

Associate Broker of Keller Williams, SLC, Scott Maruri www.TheMaruriGroup.com  wades through why and when you should rent vs buying.  And if you buy, what's the difference between a Condo, PUD, and Single family dwelling?

https://www.facebook.com/MoneyMakingSense/

 

Jan 11, 2017

Host Heather Kelly gets a crash course in Trade 101 with a former Utah governor and Ambassador to China and Singapore who also happened to serve as an international trade negotiator. What is a trade barrier and a tariff? Why do you care whether they increase the cost of the things you buy? You don’t have to understand the art of the deal to get the connection between goods and your own wallet. Jon Huntsman, Jr., makes dollars and sense out of this complicated trading issue. 

https://www.facebook.com/MoneyMakingSense/?ref=bookmarks

Jan 11, 2017

The average person probably doesn't realize international trade can have a real impact on their personal finances, but former Utah governor and Chinese ambassador Jon Huntsman, Jr., has worked as a trade negotiator and explains what you need to know. Whether we're talking about imports and exports and trade agreements with countries like China and Singapore, or something as simple as your own ideas for a new business, the father of seven understands the complex nuances and makes them easy to understand. 

 https://www.facebook.com/MoneyMakingSense/?ref=bookmarks

Jan 11, 2017

Jon Huntsman, Jr., a former Utah governor and ambassador to China and Singapore, co-chaired a commission that examined the problem of intellectual property theft.  http://www.ipcommission.org/report/ip_commission_report_052213.pdf  So he's the perfect person to ask about how widespread and expensive the theft really is. Huntsman explains how when American ideas are stolen, it impacts more than just the business involved -- and should matter to you, even if you aren't remotely connected to the industry. 

https://www.facebook.com/MoneyMakingSense/?ref=bookmarks

Jan 11, 2017

Former Utah Governor and Ambassador to China and Singapore Jon Huntsman, Jr., talks about free trade agreements, with special perspective on how arrangements with other countries can benefit your wallet, bank account and investments. A former trade negotiator, Huntsman also delves into the politics of trade agreements like NAFTA, T-TIP and TPP, and why it is so difficult to get Congress to sign on the dotted line. 

https://www.facebook.com/MoneyMakingSense/

 

Jan 11, 2017

Selected by President Donald Trump to be Ambassador to Russia, along with being Former Utah Governor and U.S. Ambassador to Singapore & China, Jon Huntsman talks trade.  How do imports and exports affect my life?  Do I need to worry when the US receives more goods than we send away?  

And how about the theft of intellectual property... what is that anyway? http://www.ipcommission.org/report/ip_commission_report_052213.pdf  Is it good or bad to have agreements like NAFTA,  & T-TIP?  

These questions and more are addressed by Former Utah Governor and Ambassador to Singapore and China, Jon Huntsman. (01-11-17)

https://www.facebook.com/MoneyMakingSense/

Jan 10, 2017

A new found potato species is over 10,000 years old.  Archaeologist Lisbeth Lauderback of the Natural History Museum found this indigenous tiny tuber in the Four Corners area of Utah and it might be the answer to feeding the world.

4 Corners Potato

Find out how Lisbeth and botanist Bruce Pavlik of Red Butte Gardens cultivated this ancient potato which, while very small, is highly nutritious.   Packing twice the protein, zinc and manganese, and three times the calcium and iron as other more well known potatoes.

http://www.hcn.org/issues/49.20/scientific-research-escalante-valley-how-an-ancient-potato-helped-indigenous-people-survive-climate-shifts:

And when can you start growing this little wonder potato in your backyard?

https://www.facebook.com/MoneyMakingSense/

 

 

Jan 10, 2017

A new found potato species is over 10,000 years old.  Archaeologist Lisbeth Lauderback of the Natural History Museum found this indigenous tiny tuber in the Four Corners area of Utah and it might be the answer to feeding the world.

4 Corners Potato

Find out how Lisbeth and botanist Bruce Pavlik of Red Butte Gardens cultivated this ancient potato which, while very small, is highly nutritious.   Packing twice the protein, zinc and manganese, and three times the calcium and iron as other more well known potatoes.

http://www.hcn.org/issues/49.20/scientific-research-escalante-valley-how-an-ancient-potato-helped-indigenous-people-survive-climate-shifts:

And when can you start growing this little wonder potato in your backyard?

https://www.facebook.com/MoneyMakingSense/

Jan 4, 2017

Driving drowsy could cost you your life, or some else's.  But, even if you survive, insurance costs will increase www.rmiia.org as well as repairs to your car with all the latest technology, like back-up cameras.  And don't forget about possible medical bills.

Find out how much your wallet could suffer when Host Heather Kelly and the Executive Director of Rocky Mountain Insurance Information Association (RMIIA), Carol Walker, discuss distracted driving costs.

https://www.facebook.com/MoneyMakingSense/

Dec 28, 2016

You know him from television and movies, but actor Richard Hatch -- Apollo from original Battlestar Galactica, and Tom Zarek in the re-imagined B.G. series --  Twitter.com/thumbfighter has so much more to teach than acting.  How he dealt with, and thought about, money in his personal life led him to start lecturing around the world on finding inner peace and strength to deal with any problems which come your way.  Facebook.com/Richard.Hatch.Actor

When not working as an actor/producer Richard thrived on addressing life and career issues to help empower and inspire people to find their own path to success.  http://www.richardhatch.com I am honored Richard gave his last in-depth interview to me just weeks before he passed away.  RIP: 05/21/45 - 02/07/17

https://www.facebook.com/MoneyMakingSense/

 

Dec 21, 2016

It's time to think about taxes!  And that includes  finding a way not to pay so much on April 15.  Tax planner & strategist Steven Floyd www.focus1advisors.com  has advice on how business owners and individuals can reduce the bottom line of their Adjusted Gross Income. 

https://www.facebook.com/MoneyMakingSense/

 

Dec 16, 2016

Two Utah college teams are heading to football Bowl Games... fairly close to home.  Alex Kirry, host of Cougar Sports Saturday breaks down the games, cost of tickets, parking and hotel rooms if you want to take a road trip over the holidays. 

University of Utah plays the Indian Hoosiers on December 28th in the Foster Farms Bowl in San Francisco.  And BYU takes on bitter rival the Wyoming Cowboys on December 21st in San Diego at the Poinsettia Bowl.

We also discuss the Utah Jazz, NBA, Nascar and touch on the NFL.  If you love sports, this is the show for you.

https://www.facebook.com/MoneyMakingSense/

Dec 14, 2016

 Many people think they have to get a second or third job to earn extra money; but, it could be as simple as selling old clothes  http://threadup.com/, changing the deductions on your W-2's, or cashing in old gift cards.  Or maybe you want to be on a 'mock' jury http://www.onlineverdict.com/.  

On-line editor of Kiplinger.com, Bob Niedt, says there are so many ways, some unusual, to get extra cash when you need or want it.

http://www.kiplinger.com/slideshow/saving/T065-S001-20-ways-to-earn-extra-cash-for-the-2014-holidays/index.html

 

 

Dec 7, 2016

Host Heather Kelly gives a recap of some of her past shows.  What came as a surprise, what were her favorite shows, and what is coming up in the future.  

Tune in to hear more about teaching kids about money & going cash only with Don Milne, and how your fights with loved one over money are because you are S.T.A.R.V.E.D (not enough Safety, Trust, Appreciation, Respect, Validation, Encouragement, Dedication) with Dr. Matt Townsend.  Along with pet care, traveling expenses, and trying to explain Wall Street with Fox Business Anchor Adam Shapiro.

Then go to: iTunes https://itunes.apple.com/us/podcast/cents-cents-ability/id1142678783?mt=2  to find all the episodes.

OR http://www.ksl.com/?nid=1387&showid=2032&n=Cents%20&%20Cents-Ability  for shows of Cents & Cents-Ability on KSL News Radio.

https://www.facebook.com/MoneyMakingSense/

Nov 30, 2016

What happens when your mother breaks her hip, what if a parent has alzheimer's disease?  Is it better for elderly to be in a nursing home, assisted living, or keep them at home?  

And, find out the Number One thing you can do to extend your ability to live at home as you age.  If you don't know what to do when you, or your parents, health start failing, this is the show for you with Outreach Manager for Salt Lake County Aging & Adult Services, Peter Hebertson.  

Find out where to get help.  385 - 468 - 3200

 

 https://www.facebook.com/MoneyMakingSense/

 

Nov 23, 2016

  Director of the Department of Economic Development for Salt Lake City, Lara Fritts http://slcgov.com/, talks about putting money back into your community during the busiest shopping time of the year.  

Buying just 10-percent of your purchases from local shop-keepers can add more than 1-billion dollars a year to your own neighborhood. http://localfirst.org/.   

Need a book, plumbing supplies, or gardening equipment?  Think about putting your dollars toward a local business down the street.  Want to see your investment pay off in your community?  Buy from someone who lives in the same place you do.

https://www.facebook.com/MoneyMakingSense/

Nov 16, 2016

This is the show you need to navigate your way through Black Friday.  Whether you stay at home or stand in line, shopper extraordinaire Holly Barraclough will show you how to find the best deals. https://blackfriday.com/.  

And, for those people who are annoyed at the commercialization of the day for giving thanks, we'll tell you which stores will be closed on Thanksgiving so you can appreciate them at a later time.  

So find out if REI, Walmart, Costco, Nordstrom, Target is where you want to be in person or buying from on-line on Black Friday or Cyber Monday.

https://www.facebook.com/MoneyMakingSense/

 

Nov 9, 2016

 What happens if your flight is delayed or canceled by weather or a mechanical problem... will the airline reimburse you?  

Senior reporter with Kiplinger Finance Magazine  Ryan Ermey http://www.kiplinger.com/ says apps like Trippit and Square Mouth can help you get ahead of everyone if you run into problems at the airport. Should you buy flight insurance?

And, what can your credit card do for you when you travel?  How to avoid taking off your shoes at security checkpoint?

https://www.facebook.com/MoneyMakingSense/

Nov 4, 2016

That is the question Cid Seidelman, Distiguished Service Professor of Economics at Westminster College, discusses. https://www.westminstercollege.edu/.  

So, what is Brexit, why should I care, and how did it bring down a sitting Prime Minister? Cid explains the economic problems for Britain by being part of the European Union and deciding to leave it.  

We also discuss why what happens across the pond matters to us in the United States.

https://www.facebook.com/MoneyMakingSense/

Nov 2, 2016

 You can record some things 'on the cheap' without a studio; but, if you want to be a professional, it could cost thousands of dollars.  KSL News Anchor and voice over artist, Simone Seikely discusses what it takes to get started doing voice work.   

Find out what equipment you need, voice lessons, and do you need an agent.  Voice work can earn you extra gas money with a cell phone or pay all your bills with a high quality cell phone and professional computer software.

https://www.facebook.com/MoneyMakingSense/

 

Oct 26, 2016

Jeff Johnson cast all three 'High School Musical' movies, 'The World's Fastest Indian' and many others.  He joins host Heather Kelly to discuss what's involved getting a part in the movies in Utah.  

Head shots, acting classes, agency fees -- it all adds up.  And how do you know if a Talent Agency is legit?  Can you earn a living acting in Utah vs Hollywood?  Will my child be the next Meryl Streep?

https://www.facebook.com/MoneyMakingSense/

Oct 19, 2016

 How do you stop the adrenaline flowing when one person spends too much money and the other won't spend anything at all?  Relationship expert Dr Matt Townsend explains how people can talk about money without fleeing or fighting. http://www.matttownsend.com.  

Do you have Safety, Trust, Appreciation, Respect, Validation, Encouragement, and Dedication in your relationship?  If not, the fights over money will escalate.  AND, discover why your arguments aren't actually about the money.

https://www.facebook.com/MoneyMakingSense/

 

Oct 12, 2016

Are you a spender and your partner is a saver?  Are all your fights about how to spend or save money? Clinical Psychologist Dr. Valerie Hale discusses how to keep from getting to the divorce stage of a relationship because of money problems.  

Dr. Hale also gives parents tips on how to start the conversation of money with kids, and make it fun.  It's  much less intimidating to create a game and learn how to spend, save, and give to charities when children are involved.

At what stage in the dating game should you bring up how you deal with money with a potential mate?  All these questions and more covered in this show.

https://www.facebook.com/MoneyMakingSense/

Oct 5, 2016

Bargain shopper Holly Bearclough has everything you need to know about where to get great looking clothes and not break the bank.  She knows where to find a brand new blazer for $20.  http://www.platoscloset.com/locations/list/UT#us.  And, you can make money selling your old clothes to use for a spending fund http://www.uptowncheapskate.com.  Look for stores going out of business, use coupons and mobile apps https://poshmark.com.  And if you have no budget at all, try clothing swaps.  

https://www.facebook.com/MoneyMakingSense/

 

Sep 30, 2016

We are talking college football from University of Utah & BYU; basketball - Utah JAZZ, and soccer in Utah with host of KSL News Radio's Cougar Sports Saturday, Alex Kirry.  Alex also has visited games at University of Texas, Dallas Cowboys & Seattle Seahawks.  How much do tickets costs?  Will you save money as a season ticket holder?  What if your favorite team makes it to a playoff or bowl game?  And don't forget about the best part... tail gating.

 https://www.facebook.com/MoneyMakingSense/

 

Sep 28, 2016

Host Heather Kelly talks recreation with Tim Hughes, host of KSL Outdoors Radio.  They discuss the many activities you can enjoy in the fresh air throughout the state of Utah.

If it's your first time exploring camping, fishing, hiking, biking, 4-wheeling, skiing, etc, you'll want to find out the less expensive options to getting out there.  But, you can shell out lots of money if you go 'whole hog.'

https://www.facebook.com/MoneyMakingSense/

 

Sep 21, 2016

If Wall Street confuses you, this is the show to pay attention to.  Host Heather Kelly sits down with Fox Business Anchor Adam Shapiro  https://twitter.com/Ajshaps to make sense of how Wall Street affects your money.  

They discus what happened to the Gold Standard and if it's good or bad the U.S. Dollar is no longer tied to silver and gold.  Then they cover whether you should panic every time the Federal Reserve makes an announcement abaout interest rates.  http://www.foxbusiness.com/  And find out whom Adam follows as his financial guru.

 https://www.facebook.com/MoneyMakingSense/

 

Sep 14, 2016

You will know if you're child is inclined to be a saver or a spender by the age of 7.... and you don't have to give them money to find out.  Financial Literacy Manager of Zion's Bank, Don Milne, gives advice on how to talk to your kids about money. http://www.zionsbank.com  And it can be fun.  

The age to start the conversation with your kids may surprise you.  Don and host Heather Kelly discuss giving children the skills they need as adults to save, spend wisely and give.

https://www.facebook.com/MoneyMakingSense/

 

Sep 7, 2016

Keeping your car in tip-top shape can save hundreds of dollars each year.  Triple A spokesperson Rolayne Fairclough joins host Heather Kelly to discuss great tips on saving money.  https://calstate.aaa.com/?zip=84088&devicecd=PC&referer=www.aaa.com

  Just because you're spending money on a trip, doesn't mean you have to be fleeced; why planning meals and hotel stops ahead of time saves money.  And what to do if your car breaks down in the middle of no-where.

https://www.facebook.com/MoneyMakingSense/

 

Aug 31, 2016

Costumes, Sci-Fi, and Celebrities .... oh my!  Deseret News Reporter McKenzie Romero http://www.deseretnews.com joins host Heather Kelly to discuss the Salt Lake Comic Con. http://www.saltlakecomiccon.com

 If you spent a fortune in the past on gettin into the sci-fi spirit, learn how to spend less for next year's event.  And hear how the SLC Fanboys get through their favorite geek event of the year. https://www.facebook.com/SLCFanboys/?fref=ts

Planning ahead and buying tickets early will save you when you want a 'close encounter' with your favorite comic character. 

https://www.facebook.com/MoneyMakingSense/

 

 

Aug 24, 2016

Staying healthy may cost you some money.  Dr. Taylor Krick http://www.wealignutah.com joins host Heather Kelly to discuss how to save money in health care expenses with proper education, nutrition and exercise.  You may still have to open your pocket book, but it won't be as much as going to a doctor's office trying to recover from illness or injury. 

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Aug 17, 2016

As your pets eat you out of house home, they could also cost a fortune in vet bills.  Dr. Susan McDonald, Veterinarian with Holladay Veterinary Hospital talks about the costs associated with owning a pet; from office visits and vaccines to treating cancer.  

She'll also discuss whether pet insurance is a scam or a necessity and where are safe places to find a new pet.  And what about the price of that pet-food? 

You can follow this show on Twitter @MoneyMakingSens 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.

 

  

Aug 10, 2016

How do you know what investments ar best for you?  When should you be aggressive and when should you be more reserved when allocating your income toward retirement savings?  Financial advisor Larry Gray joins host Heather Kelly to discuss the issues surrounding saving for retirement.

 Does your financial advisor have your best interest at heart? And are reverse mortgages a scam?  Tune in to find out if you are ready to retire, or if you are behind the 8-ball with your investments.

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Aug 3, 2016

What FICO score do you need to get a lower interest rate on your mortgage?  How quickly can you raise your credit rating?  Senior Mortgage Specialist Cari Kimball Meabon http://www.loansbycari.com with Guild Mortgage explains in understandable terms what you need in order to qualify for mortgage.  

She'll reveal tips on how to increase your credit rating and why that's important.  And a few other mortgage tidbits along the way.  Do you need to open 10-lines of credit to build your FICO score?  And what is a FICO score anyway? 

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Jul 28, 2016

Changing your spending habits can cause anxiety.  But, host Heather Kelly and Zions Bank Financial Literacy Manager Don Milne explains how going cash only will not only reduce your debt ... but  help you spend less, save more and pay off your bills faster.  

And, they discuss how to make those big ticket purchase items without feeling the pinch.  Should you dive in, cut up all the cards, and use cash only from Day 1?  Or is it better to gradually change paying for various accounts with cash?

You can follow this show on Twitter @MoneyMakingSens 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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