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Money Making Sense

The goal of Money Making Sense is to help you find more financial peace. Host Heather Kelly and guest experts focus on reviewing paychecks and analyzing family decisions. They also talk about vacationing on a budget, retirement savings on a limited income, reducing household expenses, the financial impact of owning a pet and how money affects relationships. Money Making Sense will give you practical ideas on how to improve your bottom line. Money Making Sense is a 2017, 2018 and 2020 People's Choice Podcast Finalist.
May 18, 2022

How NOT to be a victim of affinity and romance scams

Did you recently meet someone new online, either through social media or a dating sight?  Francswai Grayson, the communication outreach manager with the Utah Division of Securities, says if they ask you for money -- DON'T give them any. Susan Speirs, the CEO of Utah Association...   (29:03)
May 11, 2022

These red flags can alert you to gift card scams

More than 25% of Americans have given or received a gift card which had no value.  Kathy Stokes, director of fraud prevention with AARP, says gift cards are big business for scammers. Learn how to spot a scam on the AARP Fraud Watch Network.  And see a list of the most common ...   (14:20)
May 8, 2022

A former ice skating hitman discusses redemption and financial success, Part 2

Part 2:  The man who attacked figure skater Nancy Kerrigan, Shane Stant, will always be known as a former felon and it limits his job opportunities.  His sister, Maile Stant, only knew him as a protector while she was growing up and has a rewarding career. Filmmaker Justin Kaw...   (27:19)
May 6, 2022

How being a hitman for ice skating affected his future income potential, Part 1

The man who attacked figure skater Nancy Kerrigan, Shane Stant, will always be known as a former felon and it limits his job opportunities.  His sister, Maile Stant, only knew him as a protector while she was growing up and has a rewarding career. Filmmaker Justin Kawika Young ...   (27:46)
May 4, 2022

Has YOUR financial happiness improved during the pandemic?

Humans are not good with uncertainty.  Dr. Benjamin Granger, organizational psychologist with Qualtrics XM Institute, says being uncertain at work, and in life, will make people unhappy faster than any thing else. Even though the pandemic did bring a lot of unknowns, A Qualtric...   (25:51)
April 27, 2022

Taxes filed, now what?

Are you throwing your money away to the IRS?  Susan Speirs, the CEO of Utah Association of CPAs, says there's ONE really important thing you can do to keep that from happening.   Susan also says the IRS has FREE tools available on their website to help you reduce your tax bur...   (23:03)
April 20, 2022

How to prepare for rising interest rates and inflation

The Federal Reserve is attempting to balance increased inflation and interest rates.  Michael Stevens, president and founder of Capital Wealth Advisors says raising interest rates is a way to bring down inflation.  But people need to be prepared. Find out the difference betwee...   (25:01)
April 13, 2022

The 6 Pillars to financial empowerment

April is Financial Literacy Month and learning about money can be fun and enjoyable.  Jayne Ellegard, a wealth speaker and coach, teaches ways to make personal finances anything but boring, especially for women.  Jayne is also the author of "Financial Empowerment for Women: Yo...   (29:18)
April 6, 2022

3 signs to know when your aging parents need help

Knowing the signs your parents need help is just the first step.  Chris Orestis, President of Retirement Genius, says the entire family needs to be on the same page when its comes to their healthcare and financial needs. Find out how much it could cost for nursing home care, an...   (30:36)
March 30, 2022

How to reduce your tax burden in retirement

Should you cash in your IRA first or start taking Social Security when you retire?  Becki Schreyer, managing director of BKD, and Susan Speirs, CEO of Utah Association of CPAs explain what is best to reduce your taxes after you give up going to work. Also find out what can happ...   (22:19)
March 23, 2022

Are you stealing your own identity?

Making more money at work or even having better relationships means not stealing who you are. Life coach Jessica Pilgrim, says if you want to attract wealth, of any type, you need to use all your senses to visualize it. Jessica says the first step is to identify the voice in you...   (27:32)
March 16, 2022

How to start your own business

The Great Resignation has many opting to go into business for themselves.  Michael Brette, founder and CEO of Small Cap Equity Advisors, guides people to succeed in their venture.   Learn why you should look at 'Funding Platforms' like SeedInvest Technology or Indiegogo and ...   (23:01)
March 13, 2022

BONUS: David Pogue wants everyone to use self-driving cars

Could you turn control over to a self-driving car?  David Pogue, Emmy-winning technology and science correspondent for CBS Sunday Morning has -- and he wants everyone else to do the same.  Find out what David thinks is the biggest downfall to technology and where he thinks soci...   (14:48)
March 9, 2022

How your self-worth affects your financial wealth

Blaming others in the workplace for your failures does not bring feeling of trust with co-workers and your bosses.  Joyce Marter, psychotherapist, and author of "The Financial Mindset Fix," explains how to start changing the way you think about yourself to get ahead in your job,...   (27:10)
March 2, 2022

Should you follow the advice of financial social media influencers?

Do social media influencers have the education to give proper financial advice?  Jeff Jones, the director of financial planning at Longview Financial Advisors, lists some red flags to know before following the advice of someone speaking to the masses and not directly to you. To...   (18:32)
February 23, 2022

More people could qualify for EITC on their taxes this year

The Earned Income Tax Credit (EITC) was expanded in 2021.  Mike Criddle, memeber of UACPA and a tax partner at Eide Bailly, explains who qualifies and who doesn't.   Find out how you might be able to use your income from 2019 to get a more money from EITC when you file your t...   (17:45)
February 16, 2022

How to save money during inflation

Start using your rewards cards wisely.  That's just one hint from Catey Hill, commerce editor with MarketWatch.  Catey and Host Heather Kelly also discuss what to do if you have medical bills and clipping coupons. If getting a second job working from home looks like a possibil...   (24:42)
February 9, 2022

Your pharmacist could take over your medical care

Pharmacies are already giving various vaccines, they could potentially diagnose and treat high blood pressure, strep throat and a variety of other ailments. Dr. John McHugh, Health Policy and Management at Columbia University, says much of your basic medical care could be done ...   (18:56)
February 6, 2022

THIS is why you need a CPA for your 2021 taxes

Tax season is underway.  Did you receive Advanced Child Care Credits? Do you have a new baby or get a divorce?  These are just a few of the reasons you may need to hire a Certified Public Accountant. Susan Speirs, the CEO of the Utah Association of CPAs, explains why this year...   (26:30)
February 2, 2022

Not understanding your medications could cost you. Pt 2

Do you read all the possible side-effects when you buy prescription medications?  Does your doctor tell you?  Lynn Cunningham, the co-producer and director of "Medicating Normal" on PBS takes a hard look at when the trillion-dollar medicine industry intersects with people in di...   (18:29)
January 26, 2022

Is your doctor medicating your normal feelings? Pt 1

The number disabled by mental health illness doubled since the introduction of Prozac in 1987.  Lynn Cunningham, the co-producer and co-director of "Medicating Normal" on PBS takes a hard look at when the trillion-dollar medicine industry intersects with people in distress. Ang...   (25:31)
January 22, 2022

SUNDANCE: Calendar Girls

A group of women of a "certain age" are dancing their way through retirement.  Producers Maria Loohufvud and Love Martinsen bring their story to the Sundance Film Festival.  The group call themselves "Calendar Girls." You can follow this show on Instagram and on Facebook. A...   (18:26)
January 20, 2022

SUNDANCE: Hallelujah

First-time filmmakers Victor Gabriel and Duran Jones bring this short-film, Hallelujah, of two men having to decide if they should raise their niece and nephew after their parents die to the Sundance Film Festival. Writer/director Victor Gabriel says he wanted to bring the issue...   (23:40)
January 19, 2022

SUNDANCE: The Panola Project

In a state with the lowest COVID-19 vaccination rates in the United States, one woman in a poor, rural community is able to get 99-percent of its residents injected. Rachael DeCruz, the co-director and co-producer of "The Panola Project," brings the story of Dorothy Oliver who k...   (13:40)
January 16, 2022

Drug companies are increasing prices to give bigger dicounts. Pt 2

Pharmacy Benefit Managers (PBMs) are pouring gas on a fire they were hired to put out.  That's from Antonio Ciaccia, president of 3 Axis Advisors.who says PBMs have conflicts of interest in the drug chain and are collecting the discounts meant for consumers. You can follow thi...   (11:49)
January 12, 2022

THIS is why your prescription drugs cost so much! Pt 1

The entities charged with negotiating better drug prices for consumers are pocketing the savings for themselves.  Antonio Ciaccia, president of 3 Axis Advisors, explains how these little-known Pharmacy Benefit Managers (PBMs) became Fortune 15 companies. You can follow this sho...   (17:46)
January 5, 2022

What are YOUR 2022 Money Resolutions?

Host Heather Kelly wants to know what you want for 2022.  Send her an email with what you want to know more about in the New Year.  Anything from how money affects your relationships to how to save money on a fixed income to how trade with China affects your life and everything...   (04:08)
December 29, 2021

The IRS IS sending you a letter!

The Advanced Child Care Credit is the subject of Part Two of 'preparing your taxes.'  Guests Jason Baxter, the senior manager at WSRP, and Susan Speirs, the CEO of UACPA, explain why you may receive a 6149 letter from the IRS. Susan also discusses why you might have to pay back...   (18:43)
December 22, 2021

Reduce your taxable income by giving to charity, NOW!

It's never too early to start preparing your tax returns.  In Part One, Jason Baxter, the senior manager at WSRP, and Susan Speirs, the CEO of UACPA, explain how a new tax law can help reduce your tax burden without having to itemize.  But you need to give before the end of 202...   (20:09)
December 15, 2021

You can diversify your IRA on your own

Self-directed IRA's can open your retirement fund to more than just stocks and bonds.  Bill Neville, the business development manager of The Entrust Group, says it's a great way to add rental properties and precious metals to your portfolio.  However, there are rules and many p...   (20:03)
December 8, 2021

How to speak to your parents about their finances

Talking to your parents about end of life choices is never easy.  Cameron Huddleston, the Director of Education and Content at Carefull, says sometimes you need to approach them from a different point of view.   Instead of being direct, ask how their retirement is going and s...   (26:59)
December 1, 2021

The 401(k) mistakes you'll come to regret

Not using your employers matching funds to the fullest is the biggest mistake you can make.  That's from Dan Beck, the co-founder and CEO of 401GO, who says you can double your retirement contribution Dan also says not contributing to a 401k plan as soon as you're able is the s...   (24:17)
November 26, 2021

SCAM ALERT: Gift cards are for gifts, not paying someone

No matter what the person's story -- NEVER pay anyone with a gift card.  That's from Christina Miranda, the senior project manager and consumer education specialist with the Federal Trade Commission.  Go to: for more information. Christina also discusses on-l...   (19:50)
November 24, 2021

Act your WAGE this holiday season

Inflation is tightening everyone's wallets -- just in time for the holidays.  McKenzie Walsh, certified personal finance coach with the Fair Credit Foundation has tips on how to make it through this year; including spending within your means. Susan Speirs, the CEO of Utah Assoc...   (29:02)
November 17, 2021

Choosing health insurance plans means doing the math

Is it better to get a high deductible health plan or one where you have lower out of pockets expenses?  Amy O'Meara Chambers, COO and co-founder of HealthBridge, says you've "got to do the math" when picking health insurance.   Amy also says creating Medical Lines of Credit m...   (29:00)
November 10, 2021

Do you have Irrational Exuberance over financial markets?

The opposite of panicking when the stock market declines is called 'Irrational Exuberance.'  Dr. Susan Laubach says both can be just as bad for your bottom line.  Dr. Laubach says financial advisors will always tell you the good things about  investments, but you should alway...   (18:19)
November 3, 2021

3 Top Tips to lower car insurance for your teen

Do you have a child about ready to get their driver's license?  Kerry Sherin, consumer advocate with Bumper has tips to lower the cost to get car insurance coverage for them. TIP #1 -- shop around BEFORE your kids are close to getting their license. You can follow this show on...   (24:33)
October 20, 2021

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

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 Am...   (23:35)
October 13, 2021

Your employer might fund your education

Many companies now offer tuition reimbursement as a benefit to employment.  Dr. Jill Buban, the General Manager and V.P. of EdAssist Solutions explains why workers should take advantage of it.   She also discusses why businesses are having to add this perk to their hiring pac...   (22:02)
October 6, 2021

The cost of Vitamin D3 is cheaper than a hospital bill

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 vita...   (25:03)
September 22, 2021

Can you survive 2 more years of the pandemic economy?

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 s...   (24:06)
September 15, 2021

What's your personal inflation rate?

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...   (30:52)
September 8, 2021

How to make money on YouTube

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 y...   (31:18)
September 1, 2021

How to buy a home in a seller's market

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 throu...   (21:22)
August 25, 2021

Your guide to 401k and IRA rollovers

If you have both a 401k and an IRA, 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 t...   (26:43)
August 18, 2021

Are you offensive or defensive with your income?

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...   (30:16)
August 11, 2021

How to recover from selling your retirement fund

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 ...   (18:41)
August 4, 2021

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

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...   (24:38)
July 28, 2021

Setting financial goals for your future

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 wh...   (29:46)
July 21, 2021

Bank on yourself

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...   (27:19)
July 14, 2021

5-steps to building wealth

The first step to becoming debt free is to know where you are financially.  Rachel Podnos O'Leary, the author 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 A...   (31:58)
July 7, 2021

Are HOA dues worth the cost?

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 ...   (31:25)
June 30, 2021

Save early and often for a 529 plan

You can save over time for school expenses, much like saving for retirement.  Troy Runnells, Senior director for strategy and business development with My529, explains how they work.  More importantly, he tells how to cash in your savings when its time to pay for school. Susan...   (27:31)
June 23, 2021

THC vs CBD: Understanding the differences and their cost

CBD is the latest fad.  You can find it in everything from gummie bears to face lotion.  Jennifer Beck, cofounder of Jihi, says not all CBD products are the same; and going cheap could be bad. Jennifer also explains to host, Heather Kelly, you can only get high from marijuana ...   (29:09)
June 16, 2021

Should you quit your job or go back to the office?

Do you feel you have to make a choice between going back to the office or quitting your job?  Anders Melin, wealth reporter for Bloomberg, says it is happening across the country. Find out why employers want to 'get back to how things were before' and why employees want more fl...   (24:14)
June 9, 2021

How to quickly spot a scam

Can you spot a scam within 30-seconds?  Host Heather Kelly gives tips on how to notice email and snail mail scams.   She'll also tell you the number one thing to NEVER do when you open emails. You can follow this show on Instagram and on Facebook. And to see what Heather ...   (12:32)
June 2, 2021

Never pay JUST your minimum balance

Do you know the difference between credit counseling and debt consoladaion?  One will get you back on your feet, the other could result in being taken to court.   Gerri Detweiler, the education director for Nav, explains the best practices for getting out of debt or not runni...   (27:36)
May 26, 2021

NOW is the time to prepare for next year's tax season

Tax codes are in continual flux right now.  That's from Ashley Christenson the Tax Manager for Tanner, LLC.  She and Susan Speirs, CEO of UACPA, say you need to start preparing now in order to file your taxes next year. The Federal Government won't make you pay taxes on a PPP ...   (25:32)
May 19, 2021

Heirarchy of Investments: Do you have the best ROI?

A Family Bank could be a better return on investment than a conventional one.  Don't know what a 'family bank' is?  Chris Odegard, The Prolific Investor, explains. Chris also turns conventional investing on its ear by creating "The Prolific Investors Heirarchy of Investments"...   (30:14)
May 12, 2021

Expense Ratios: you're paying this fee

Do you have a 401k, a mutual fund, or IRA?  You're paying an expense ratio, whether you know it or not.  Clayton Johnson, certified financial planner with Squire Wealth Advisors, explains what these fees are. He also discusses management fees if you are using a financial advis...   (33:56)
May 5, 2021

How to get out of debt, faster

Thirty-eight percent of all Americans increased their debt load by more than $3000 during the pandemic.  While the top 1% increased their wealth an average of $15,000,000.00.   Dr. Francesca Ortegren, data scientist with Clever, has some tips to climb out of debt faster -- ev...   (21:46)
April 28, 2021

Are diners, drive-ins & dives a thing of the past?

Eating habits changed during the pandemic and food prices are rising.  David Page, the Food Network producer of Diners, Drive-Ins, & Dives says minimizing waste is the key to saving money. Page also has a new book called "Food Americana" where he explains how many of our favori...   (34:34)
April 21, 2021

PPP 2: An Employee Retention Credit (ERC) could be a bigger benefit

Time is running out to get money from the Payroll Protection Program.  Bruce Gulso, Partner at WSRP, Carl Steffan a Director of WSRP, and Perry Christensen, Manager of Client Accounting Services at WSRP say the Small Business Administration is quickly running out of funds to giv...   (26:38)
April 14, 2021

The difference between eggs and their effect on your wallet

Why should you care about cage free eggs, especially if they are more expensive than standard eggs?  Josh Balk, VP of farm animal protections from the Humane Society of the United States explains what all those labels mean on egg cartons. Find out why eggs look and taste better...   (25:33)
April 7, 2021

Can you make money selling your collectables?

Find out why collecting dolls is better than taking pills to relieve stress according to Disney expert, Joel Magee.  The toy appraiser from History Channel's Pawn Stars joins host Heather Kelly to discuss toys. HINT:  If you have childhood Harry Potter memorabilia, make sure t...   (26:20)
March 31, 2021

Money is a tool - make it fun!

Nobody likes a budget, so change your mindset.  Melissa Myers, co-founder of Kar-Mel Financial Planners, says you can empower yourself by spending your money in thoughtful ways.   You need to make sure you align your money with your values to get the best results.  And find ...   (28:58)
March 24, 2021

Payroll Protection Program loans are still available under PPP1

The government extended benefits, and added funds, to the first Payroll Protection Program rolled out in Spring of 2020.  Susan Speirs, CEO of UACPA and Greg Hyde, partner at Squire have details. They also discuss with host, Heather Kelly, what makes this loan forgiveable under...   (31:38)
March 17, 2021

Emotional Support vs Service Animals and their costs

The Department of Transportation changed the rules for allowing emotional support animals in the cabins of aircraft.  Robert Span, attorney at Steinbrecher & Span, explains the difference. HACK:  Emotional support animals are NOT trained to do anything -- Service animals are....   (22:20)
March 12, 2021

BONUS: We The People need to BE the people

Politics have failed in America.  In Part 2 of the conversation with Boyd Matheson, Opinion Editor for Deseret News, joins host Heather Kelly in understanding how "We The People" are responsible for our own futures.   Boyd says community and culture always lead the way, polit...   (27:37)
March 10, 2021

Collusion, not conflict, is keeping you poor

Americans are paying $1,400,000 in interest every second against the national debt. Boyd Matheson, Deseret News Opinion Editor & Host of KSL Newsradio's Inside Sources, explains how your pocket book is affected by the discourse in Washington DC.   And did you know while politi...   (28:29)
March 3, 2021

How Outsider Trading nearly flipped Wall Street on its head

Several thousand Reddit users took Wall Street by storm -- and 'The Man' wasn't happy about it.  Harry Abrahamsen, founder and CEO of Abrahamsen Financial Group, explains how a grass roots movement sent share prices of AMC, GameStop and other company soaring. You can follow thi...   (21:53)
February 24, 2021

How the pandemic affects your tax return

Filing your taxes may be different this year due to a little thing called "The Pandemic" and The CARES Act.  Susan Speirs, the CEO of Utah Association of CPA's, explains how the Economic Impact Payments affect your return. What if you received unemployment?  Not only did your ...   (22:51)
February 17, 2021

Don't guess, just test -- for radon gas

If you have 4 picocuries of radon gas in your home, it's the equivalent of getting 200 chest x-rays each year.  Or smoking multiple packs of cigarettes a day.  And every home in the world has radon gas.  So, how much is too much?  Bruno Vassel, the owner and CEO of Utah Rado...   (23:17)
February 10, 2021

The cost of emigrating to Canada

Most people don't move to Canada from the U.S. because of election results.  Brandon Miller, director at Maple Immigration Services, He says he gets the most inquiries because of health care costs. Plus, Brandon describes the TWO legal avenues for emigrating to his country. And...   (21:50)
February 3, 2021

2 Important ways to prevent snowballing debt

The pandemic is sending people further and further into debt.  Francesca Ortegren of List with Clever describes who is most likely to take on more debt.  And she provides some tips to avoid it -- including the two most important. SPOILER ALERT -- Communication is key! You can...   (18:16)
January 31, 2021

SUNDANCE: Hive - a woman's struggle for financial independence

After the Yugoslavian war, Kosovo broke away from Bosnia to become its own country.  In the movie Hive, Writer/director Blerta Basholli brings the true story of a widow who fights the patriarchal community to earn a living to the Sundance Film Festival. You can follow this show...   (14:07)
January 31, 2021

SUNDANCE: When We Were Bullies

Imagine a 2 minute event happening in 5th grade which has such an impact on your life, you make a movie about it.  That's what happened with filmmaker Jay Rosenblatt.  He brings his  story to Sundance Film Festival in the short film, When We Were Bullies.  And how the movie e...   (15:46)
January 30, 2021

SUNDANCE: Playing with Sharks - more cost effective than hunting them

Valerie Taylor was not only the first woman, but the first person to study shark behavior.  Film producer, Bettina Dalton, brings her story to the Sundance Film Festival in "Playing with Sharks: The Valerie Taylor Story."  Tayor and her husband were also advisors on the film "...   (14:43)
January 30, 2021

SUNDANCE: Rebel Hearts - the cost of following your conscience

The Immaculate Heart sisters took vows of chastity, poverty and obedience.  Producer Shawnee Isaac-Smith and director Pedro Kos bring the story of a group of nuns who had to choose between the Catholic Church and their conscience during Vatican II in the documentary "Rebel Heart...   (30:38)
January 27, 2021

You may need a CPA to deal with pandemic taxes

*Stimulus payments are just one reason you may need to speak with a Certified Public Accountant.  Watch for upcoming episodes where we tackle Federal unemployment checks and more.* Has your property been condemned or maybe you inherited some money?  These are just a few reason...   (09:17)
January 20, 2021

SUNDANCE: Small business owners rely on festivals for their lifeline

Small business owners in were already struggling through the pandemic.  Now the several film festivals which are a life-line to many are going virtual.  Billy Holden, VP for SAG-AFTRA in Utah, discusses Sundance 2021 and its affect on the Park City economy. Billy and Heather a...   (19:48)
January 13, 2021

Now's the time to teach your kids good financial habits

Teaching children about finances in a way which mirrors reality can be a struggle.  Certified Financial Planner, Gregg Murset, developed BusyKid to do just that. Find out why this tool will help kids learn the value of money in an electronic way without using antiquated methods...   (25:05)
January 6, 2021

Should you buy into Bitcoin?

If one of your New Year's resolutions is to diversify your portfolio, you may want to think about cryptocurrencies.  Spencer Montgomery, the founder of Uinta Crypto, tells host Heather Kelly what you need to about Bitcoin and other digital currencies. You can follow this show o...   (15:19)
December 30, 2020

Wall Street doesn't need people to be employed

One reason Wall Street continues to see record highs while so many are out of work is, it doesn't require employees to function. John Stoj, Financial Planner with Verbatim Financial, breaks down the differences between Main Street and Wall Street and how to get the best return on...   (16:18)
December 23, 2020

Is your salary affected by workplace bullying?

Are you being bullied or harassed in your job?  There's a free app for that.  LeBaron Meyers, President of #NotMe says many employees don't report abuse right away because they are uncomfortable speaking about it in the ways which currently exist. Ariel Weindling,  Ariel We...   (27:45)
December 16, 2020

Charitable giving is different during a pandemic

If you donated money to a University in order to get sports tickets, it's no longer legal to write off that gift on your taxes. UACPA members, Shalaun Howell and Marc Metcalf, join CEO Susan Speirs to discuss how charitable giving during the pandemic affects not only your taxes,...   (23:11)
December 9, 2020

Are you carrying COVID-19 where ever you go?

We've all learned to wash our hands and wipe down kitchen counter tops to keep coronavirus at bay, but what about our cars?  Zoriy Birenboym, the founder and CEO of explains what we're missing and why it's so important. You can follow this show on Instagram an...   (13:51)
December 2, 2020

Are you handling your AI devices like your finances?

Did you just buy a smart TV during the Black Friday sales?  Chris Wilis, Chief of Design for Domo says it could be spying on you.  Find out what you can do to prevent your personal information from being sent to marketers. And discover how hackers can use your AI devices again...   (28:51)
November 25, 2020

Are you sabotaging your relationship with money?

Holding every penny you own in a tight squeeze could be having the opposite affect you want.  Money Therapist, Jennifer Love, says people need to start asking some hard questions about themselves before wealth will come to them. Love says starting with gratefulness is a great w...   (30:05)
November 18, 2020

Will Team Teaching stretch your educational tax dollars?

Where are your educational tax dollars going?  Brandon Wright, editorial director for Thomas B. Fordham Institute, says 'team teaching' is the way forward and will save money. He says the book "Getting the Most Bang for the Educational Book" explains how getting rid of the 'one...   (25:54)
November 11, 2020

WARNING! Your adult kids may be moving back home

The coronavirus pandemic is causing more adults than ever before to move back home with mom and dad.  Founder of Decker Retirement Planning, Brian Decker, says 27-Million millenials are returning to the nest because they either lost their job or have reduced hours. Brian gives ...   (26:53)
November 4, 2020

Black Friday during a pandemic

Shopping in large crowds and coronavirus don't mix.  Holiday Shopper extraordinaire, Holly Barraclough-Harper, explains where to look for deals this year if you aren't doing the traditional Black Friday shopping rush.   She also discusses with host Heather Kelly a big change ...   (26:18)
October 31, 2020

BONUS Episode: Apple Records and life after The Beatles

My conversation with journalist and author, Ivor Davis, who traveled with The Beatles during their first tour of the United States in 1964, continues. Davis provides insight into the group's journey from making 1-Cent per album to big finanacial changes after their manager, Brian...   (33:56)
October 28, 2020

What The Beatles can teach you about finances

The members of The Beatles, and their heirs, are multi-millionaires. But it wasn't always so. Journalist and author, Ivor Davis, was the only member of the British media to travel with the group during their first tour of the United States in 1964.   While Davis has been speak...   (28:37)
October 21, 2020

3 Ways to Master Internet Costs

Is slow internet speeds while working from home driving you nuts?  Staff writer, Rebecca Armstrong from has advice on how to fix it. Also, how do you know if really your internet or your wi-fi that's causing the problem?  And what's the difference between...   (20:29)
October 14, 2020

Do you have a managed fertility plan at your work?

What's the difference between managed and unmanaged fertility plans?  Peter Nieves the Chief Commercial Officer with WINFertility, explains the difference and why you should care -- even you're not planning to have children. Nieves says having more people on insurance plans, e...   (23:20)
October 7, 2020

Is virtual maternity care the way forward?

Seeing your doctor, face-to-face, is increasingly difficult -- especially if you're pregnant.  But, the president and co-founder of Babyscripts, Juan Pablo Segura, says virtual maternity care not only frees up a doctor's schedule, it's also less expensive. Find out how having y...   (26:06)
September 30, 2020

Keep your credit score safe while out of work

Are you late paying bills or not paying at all?  Jill Gonzales, a contributor with WalletHub, says that's the worst thing to do for your credit scores.  Find out what you can do to protect yourself while unemployed. You can follow this show on Instagram and on Facebook. And...   (13:34)
September 23, 2020

Are you financially prepared for the holidays?

Many people plan all year long for Christmas.  But for those who don't, Ariane Gibson, VP Financial Services for Utah Housing Corporation as advice on how you can budget; even if you're just starting now. And Susan Speirs, the CEO of Utah Association of CPA's explains what you ...   (24:43)
September 16, 2020

How much money makes you happy during a pandemic?

Host Heather Kelly is joined by her colleague Dan Spindle of KSL-5 TV to discuss happiness and income. Did your baseline for being comfortable change since the pandemic hit?  And why do people in Britain only require half as much money as the rest of the Western world to feel g...   (20:26)

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