Some call it a P.R. stunt to get more people buy products form Amazon.  Chris Janeway, the founder of Fourth Point Wealth, says all the billionaires who are launching rockets into space are trying to build a cult following around their brand names. Chris says stock prices at Amazon, Tesla, and Virgin didn't move much on the days when each of those company's owners launched rockets, including the day William Shatner went into space.   Instead, he says many people are investing thier money the way they deal with traffic congestion.  And that's a very bad thing.  Because he says it isn't exciting to invest your money the right way. You can follow this show on Instagram and on Facebook. And to see what Heather does when she's not talking money, go to her personal Twitter page. Be sure to email Heather your questions and request topics you'd like her to cover here. See omnystudio.com/listener for privacy information.

Money Making Sense

Launching William Shatner into space could teach you to invest more wisely

Many companies now offer tuition reimbursement as a benefit to employment.  Dr. Jill Buban, the General Manager and V.P. of Ed Assist Solutions explains why workers should take advantage of it.   She also explains why businesses are having to add this perk to their hiring packages and what they gain. You can follow this show on Instagram and on Facebook. And to see what Heather does when she's not talking money, go to her personal Twitter page. Be sure to email Heather your questions and request topics you'd like her to cover here. See omnystudio.com/listener for privacy information.

Your employer might fund your education

Research finds Vitamin D3 protects your immune system.  Dr. Leslie Ray Matthews conducted 10-years of research using D3 on pneumonia patients.  He says it will help with all types of illnesses, including COVID-19. Host Heather Kelly learned D3 is actually a hormone, not a vitamin.  And it can save you tens of thousands of dollars in hospital bills. Find out what else D3 can do for your health in this episode. You can follow this show on Instagram and on Facebook. And to see what Heather does when she's not talking money, go to her personal Twitter page. Be sure to email Heather your questions and request topics you'd like her to cover here. See omnystudio.com/listener for privacy information.

The cost of Vitamin D3 is cheaper than a hospital bill

Several sectors of the economy may not get back to normal for at least  two more years.  That's according to Robert Spendlove, senior economist at Zions Bank.  He and Susan Speirs, the CEO of Utah's Association of CPA's discuss where jobs are growing and which ones are still struggling. If you're looking for a job, any job, Spendlove says there are 11-MILLION openings right now across the United States. You can follow this show on Instagram and on Facebook. And to see what Heather does when she's not talking money, go to her personal Twitter page. Be sure to email Heather your questions and request topics you'd like her to cover here. See omnystudio.com/listener for privacy information.

Can you survive 2 more years of the pandemic economy?

Saving for retirement is never easy.  But financial planner, John Smallwood, the President of Smallwood Wealth Management says you need to make sure you are saving at the correct inflation rate for you. John advises putting money away into savings FIRST; then pay the bills with what's leftover.  Not the other way around.  He also has a book to help you keep your money, "It's Your Wealth-Keep It: The Definitive Guide to Growing, Protecting, Enjoying, and Passing On Your Wealth." You can follow this show on Instagram and on Facebook. And to see what Heather does when she's not talking money, go to her personal Twitter page. Be sure to email Heather your questions and request topics you'd like her to cover here. See omnystudio.com/listener for privacy information.

What's your personal inflation rate?

Many people turned to YouTube during the pandemic.  Some to keep themselves busy if they were out of work, others as a way to supplement their income.  Max Miller, the host of Tasting History, says he was lucky enough to be able to replace his entire salary. He explains what you need to get started, but also says, "Don't create a YouTube channel with the express belief you will make money." You can follow this show on Instagram and on Facebook. And to see what Heather does when she's not talking money, go to her personal Twitter page. Be sure to email Heather your questions and request topics you'd like her to cover here. See omnystudio.com/listener for privacy information.

How to make money on YouTube

Home buying is super competitive right now.  Lisa Grant, real estate broker, says buyers need to be prepared to give their best offer at the get-go.  And don't get too attached to any particular home. She also explains why you should take a handyman with you when walking through a potential new house. You can follow this show on Instagram and on Facebook. And to see what Heather does when she's not talking money, go to her personal Twitter page. Be sure to email Heather your questions and request topics you'd like her to cover here. See omnystudio.com/listener for privacy information.

How to buy a home in a seller's market

If you have both a 401k and an IRA account, you can only contribute a total of $25,500 per year -- between both accounts.  Adam Nugent, the Founder & CEO of Foresight Wealth, explains why.  And Susan Speirs, the CEO of UACPA goes over some tax issues if you transfer money between the two retirement funds. You can follow this show on Instagram and on Facebook. And to see what Heather does when she's not talking money, go to her personal Twitter page. Be sure to email Heather your questions and request topics you'd like her to cover here. See omnystudio.com/listener for privacy information.

Your guide to 401k and IRA rollovers

CEO and co-founder of Madison Investing, Spencer Hilligoss, says it may be time to change how you think about bringing in income.   First you need to discover what is most important to you -- promotions with a big salary to pay for your every need or a balance between work and a personal life. You can follow this show on Instagram and on Facebook. And to see what Heather does when she's not talking money, go to her personal Twitter page. Be sure to email Heather your questions and request topics you'd like her to cover here. See omnystudio.com/listener for privacy information.

Are you offensive or defensive with your income?

More than a third of Americans panic sold a portion of their retirement fund during the pandemic.  Dr. Francesca Ortegren, data scientist with Clever Real Estate discusses how to get a majority of your nest egg back. She and host, Heather Kelly also talk about the behavior of panic selling.  It stems from the same place as hoarding -- FEAR. You can follow this show on Instagram and on Facebook. And to see what Heather does when she's not talking money, go to her personal Twitter page. Be sure to email Heather your questions and request topics you'd like her to cover here. See omnystudio.com/listener for privacy information.

How to recover from selling your retirement fund

Do you love your job, but not your manager?  That's the number one reason, Colin Wilford, a career planning expert and counselor at Wilford Scholes, says people leave their place of work. However, working in an industry you don't have passion for simply to get a higher paycheck is another big reason people aren't happy in their career. You can follow this show on Instagram and on Facebook. And to see what Heather does when she's not talking money, go to her personal Twitter page. Be sure to email Heather your questions and request topics you'd like her to cover here. See omnystudio.com/listener for privacy information.

Is your lack of income tied to lack of passion for your job?

The biggest problem people have with their finances is wanting everything "right now!"  That's from Tad Tuttle, a CPA and partner at Hinton Burdick.  Chad Lambert, manager at Hinton Burdick, and the CEO of the Utah Association of CPA's, Susan Speirs discuss how to figure out what your financial goals should be and how to get there.  They also discuss with host Heather Kelly, what the pros and cons of taking out a Reverse Mortgage are. You can follow this show on Instagram and on Facebook. And to see what Heather does when she's not talking money, go to her personal Twitter page. Be sure to email Heather your questions and request topics you'd like her to cover here. See omnystudio.com/listener for privacy information.

Setting financial goals for your future

You can become your own source of financing and at the same time create a tax-free income tool in retirement.  Mark Willis, owner of Lake Growth Financial Services says it comes down to T.G.I.F. -- Tax Adavantage Guranteed, Insurance, Financing. Mark explains how we lose out on compound interest everytime we buy something.  Find out what Mark says is the solution to keeping money in your wallet and not handing it over to banks. You can follow this show on Instagram and on Facebook. And to see what Heather does when she's not talking money, go to her personal Twitter page. Be sure to email Heather your questions and request topics you'd like her to cover here. See omnystudio.com/listener for privacy information.

Bank on yourself

The first step to becoming debt free is to know where you are financially.  Rachel Podnos O'Leary, the auther of 21st Century Wealth, says you need to take a hard look at how much money is actually coming into your life and how much is going out. Do you prefer the Snowball or Avalanche method to paying off bills?  Find out the difference as Rachel and host, Heather Kelly explain why they prefer their chosen method. Protecting your wealth is just as important to getting out of debt.  Find out how Personal Liability Umbrella Insurance could be the key. You can follow this show on Instagram and on Facebook. And to see what Heather does when she's not talking money, go to her personal Twitter page. Be sure to email Heather your questions and request topics you'd like her to cover here. See omnystudio.com/listener for privacy information.

5-steps to building wealth

If you live in a Home Owners Association community, you are paying dues.  Jason Hearst, host of The HOA Show, explains why they are necessary.  He also talks about property management companies and their role in HOA's. Jason and host, Heather Kelly, also discuss why living in a community which has a reserve fund is a must. You can follow this show on Instagram and on Facebook. And to see what Heather does when she's not talking money, go to her personal Twitter page. Be sure to email Heather your questions and request topics you'd like her to cover here. See omnystudio.com/listener for privacy information.

Are HOA dues worth the cost?

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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Money Making Sense

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