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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.

Wednesday, November 14, 2018

  • How much money should you have saved at every age?
    The earlier you start saving, the better off you'll be at retirement.  But does that mean all is lost if you don't start putting away a 'golden age' fund until you're in your 30's? Certified Financial Planner Shane Stewart of DMBA has the answers and tips to help you catch up if you're behind in for your retirement years. 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.

Wednesday, November 7, 2018

  • Is your business excluded from the new tax laws?
    Did you move this year and planning to write off your expenses on your taxes?  Bad news.  The new code for 2018 won't allow you to do that.  Certified Public Accountant and Partner with WSRP, Ian Prescott, has a break down of some of the deductions you're no longer entitled to take. And, Ian and Heather discuss how sole proprietorships, LLC's, and Partnerships differ from the tax breaks corporations get under the new tax laws pushed through by President Donald Trump. 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.

Wednesday, October 31, 2018

  • Is your Identity safe after 10,000 data breaches in the U.S?
    How vulnerable are you to identity theft or fraud?  And what's the difference between the two?  Wallet Hub Analyst, Jill Gonzalez, tells Heather Kelly what you need to do to try and protect yourself; and your wallet. Also find out what the agencies Equifax, Experian, and TransUnion are doing to help you keep your credit rating intact. 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.    

Wednesday, October 24, 2018

  • We can help you save money on flights
    Are you looking for the cheapest airline ticket you can find?  Consumer Affairs writer, Craig Johnson, with Clark.com tells host Heather Kelly about a new tool which takes the hard work out of your search. They also discuss the difference between a direct vs a non-stop flight, and how you can work your way around the fare system airlines have set up.  Of course, you need to make sure you don't get in trouble with Federal Authorities. 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.  

Wednesday, October 17, 2018

  • Are tariffs killing manufacturing?
    The rising cost of goods due to tariff wars are impacting consumers who want to buy cars and houses.  Shawn Fitzgerald, the Vice President of Marketing for Thomas explains why manufacturing is still a viable industry.   He also discusses with host Heather Kelly why there will be two million jobs available in manufacturing alone by 2025.  And what Millennials need to do to fill the skills gap left by the Baby Boomer generation. 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.  

Wednesday, October 10, 2018

  • Warning! Are You Sabotaging Your Weath?
    Is it time to get out of the stock market?  President of Meyer & Associates, Joseph Meyer, has advice about using a Bull or Bear market to your advantage. What is a Bull or Bear market anyway?  Joseph, who is also editor of Straight Money Analysis explains what you need to know to protect your investments. 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.

Wednesday, September 26, 2018

  • 7 Steps to financial freedom
    If your finances are controlling you, this is the episode to hear.  The author of "Fit Money: 7 Steps to get your Financial Life in Shape" Julia Carlson joins host Heather Kelly with understanding saving and spending money wisely. As the CEO and Founder of Financial Freedom Wealth Management Group*, Julia has helped many clients learn why gaining financial freedom is a mindset.  And find out how you can get a FREE book. 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.   *Information in this material is for general information only and not intended as investment, tax, or legal advice.

Wednesday, September 19, 2018

  • Staying sane when talking to your kids and parents about money
    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.  

Friday, September 14, 2018

  • Was God showing off when he created Utah?
    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 Hea

Thursday, September 13, 2018

  • Bridging the tax gap between Urbanites and everyone else
    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.

Wednesday, September 12, 2018

  • The Urban vs Rural tax divide keeps growing
    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.  

Wednesday, September 5, 2018

  • I should've ordered a salad
    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.

Wednesday, August 29, 2018

  • Is pet insurance a scam?
    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.

Saturday, August 25, 2018

  • This is why a Roth IRA is the best thing since sliced bread
    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.

Wednesday, August 22, 2018

  • Facts about IRA's which will impress your friends
    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.