KTs Money Matters

KTs Money Matters

ktsmoneymatters.com
Real time information to teach consumers about money, and making the most of what they have.


KT 131: Travel in 2020: Road Trip?
Apr 8 • 10 min
In this episode KT discusses: · What travel might look like in 2020 · Staycations could be coming back · Gas prices are hitting once-in-a-decade lows Key Takeaways: · Consider a road trip · The market always rebounds · Now might be the time to buy and…
KT 130: COVID-19 Deals, Steals & Scams
Apr 1 • 18 min
In this episode KT discusses: · Your financial “to do” list while stuck inside · How to take advantage of the tax delay · Details on the student loan deferment (if you qualify) Key Takeaways: · Understand if you are getting a credit or a refund for unused…
KT 129: Fear and Financials
Mar 25 • 17 min
In this episode KT discusses: · How Fear is driving everything from the market to the grocery store · Strategies for those close to retirement or far away · Why you shouldn’t let fear rule Key Takeaways: · Advice for investors · Advice for homebuyers ·…
KT 128: FOMO to FOE: What you need to know about the market
Mar 19 • 12 min
In this episode KT discusses: · How to interpret the market · FOMO: Fear of Missing Out · FOE: Fear of Everything Key Takeaways: · Strategies for all types of investors · The market always rebounds · Now might be the time to buy and enjoy the recovery…
127: Renting your home for profit. What you need to know
Mar 4 • 23 min
In this episode KT discusses: · How to turn your home into a vacation rental · Pros and cons of short-term rentals · The rental site learning curve Key Takeaways: · The hidden costs of renting · Know the tax laws in your area · The truth behind the…
126: Luxury Escapes? Vacation rental 101.
Feb 26 • 22 min
In this episode KT discusses: · Booking a home vs. a hotel for your vacation · Pros and cons of services like Airbnb, Vrbo, FlipKey, etc. · KT’s vacation home rental horror story Key Takeaways: · One company owns two of the largest vacation rental…
125: Tiny Houses and Downsizing
Feb 19 • 25 min
KT 125: Tiny Houses and Downsizing Air Date: 02/19/20 In this episode KT discusses: · How the McMansion trend turned into the tiny home trend · If tiny houses are better than trailers · Baby Boomers: the high cost of downsizing Key Takeaways: · The pros…
124: Who’s doing your taxes?
Feb 12 • 24 min
In this episode KT discusses: · Changes in the Tax Laws · Why you could be paying too much for tax preparation · Taking the Standard Deduction vs. Itemizing Key Takeaways: · Free tax prep options · The hidden cost of a fast refund · Why your CPA may not…
123: The Death of the Stretch IRA
Feb 5 • 19 min
In this episode KT discusses: · What is a Stretch IRA · The Secure Act of 2019 · How this new law could effect you Key Takeaways: · How The Secure Act hurts savers · The retirement planning changes you need to make · Think about how your retirement could…
122: Unicorns Part 2 - The Return
Jan 29 • 14 min
If you want to hear the first discussion of “unicorn” companies, click here. In this episode KT discusses: · How unicorn companies are “the rookies” of Corporate America · The real risk of these IPOs · WeWork’s downfall as a cautionary tale Key Takeaways:…
121: Don’t get in the way of your portfolio’s success
Jan 22 • 20 min
In this episode KT discusses: · The “overconfidence” problem · The exchange-traded fund (ETF) advantage · Two types of investors: those with risk tolerance and those without Key Takeaways: · Most U.S. markets saw double-digit gains in 2019 · Don’t be…
120: The Retirement Glide
Jan 15 • 18 min
In this episode KT discusses: · Thinking about retirement in your 50s · Retirement pre-planning · The “retirement paycheck” Key Takeaways: · The ups and downs of downsizing · The pros and cons of working longer · Consider debt in retirement Quote: “I see…
119: Financial Hacks: Selling Your Own Home
Jan 8 • 28 min
In this episode KT discusses: · Realtors vs. For Sale By Owner · The actual cost of a realtor · What you can do with the money you saved Key Takeaways: · 5 steps to selling a home by yourself · 25% of home sales are by owner · Pre, during and post-sale…
118: Happy New Year! Financial Resolutions
Jan 1 • 28 min
In this episode KT discusses: · The top New Year’s resolutions · People tend to have a haphazard approach to money · KT’s personal story of semi-retirement Key Takeaways: · Educate yourself, there are a lot of resources out there · The credit score myth ·…
117: Successful Retirement
Dec 25, 2019 • 24 min
In this episode KT discusses: · Recurring income during retirement · The reality of people living longer · KT’s personal story of semi-retirement Key Takeaways: · 11,000 Americans retire every day · 30% of Americans spend retirement income on debt · 19%…
116: The Ho Ho Rally
Dec 18, 2019 • 16 min
In this episode KT discusses: · The market’s so-called Santa Claus Rally · What could contribute to end of the year gains · Why the rally may not matter Key Takeaways: · Most big investors take December off · There might be tax reasons for the rally · End…
115: Impulse Buying
Dec 11, 2019 • 17 min
In this episode KT discusses: · Consumer characteristics · How to be more mindful of your spending habits · KT’s 4 steps to being a conscious consumer Key Takeaways: · Practice the 24 hour rule · Don’t buy the wrong size, color, style just because its on…
Replay: Living and Dying without a plan
Dec 4, 2019 • 8 min
We head back to the archives to learn why you need to have a plan for your estate. In this episode, KT discusses: Why a will is important Legal ramifications if you don’t have a will Engaging an attorney Key Takeaways: In most States, if you don’t have a…
Replay: Pink it or shrink it
Nov 27, 2019 • 4 min
In this episode we travel back in the archives to talk about the difference between men’s and women’s products. Often times, products packaged in pink are more expensive and contain less of the actual product when compared to men’s productsIf you’re the…
114: Cord Cutting (People are Funny About Money Part 4)
Nov 20, 2019 • 33 min
In this episode Andy Graning joins KT to discuss: · What it means to cut the (cable) cord · What does a Roku or a Fire TV Stick do · KT’s 4 steps to lowering your cable bill Key Takeaways: · Don’t quit cable cold turkey · Figure out what shows and…
113: False Free Trials (People are Funny About Money Part 3)
Nov 13, 2019 • 15 min
In this episode KT discusses: · Americans spent $1.3 Billion on “Free Trials” · “Free Trial” complaints rising with Better Business Bureau · Electronic delivery makes it easy to miss the recurring charges Key Takeaways: · Watch your credit/debit card…
112: Bottled Water (People Are Funny About Money, Part 2)
Nov 6, 2019 • 15 min
In this episode KT discusses: · Bottled water is a $31Billion/year business · Bottled water is American’s #1 favorite beverage · Why it’s so important to retailer’s bottom line Key Takeaways: · Beverage companies convinced us bottled water is “safer” than…
111: Black Friday (People are Funny About Money: Part 1)
Oct 31, 2019 • 17 min
In this episode KT discusses: · Black Friday · The origins of this Shopping Holiday · Why it’s so important to retailer’s bottom line Key Takeaways: · Holiday spending could top $700B this year · Black Friday Shopping is down 4% year to year · You might…
110: Net Worth ≠ Self-Worth
Oct 23, 2019 • 15 min
In this episode KT discusses: · Dealing with debt · How money shaming is like fat shaming · The difference between net worth and self-worth Key Takeaways: · 10% of Americans have negative net worth · Don’t measure yourself against the “rich & famous” ·…
109: So, you think the government is going to pay for your student loans? Think again.
Oct 16, 2019 • 18 min
In this episode KT is joined by Ashley McLaughlin, a schoolteacher from Virginia. Ashley graduated in 2008 and went to work at a school that qualified for student loan forgiveness under a federal program. She ended up receiving less aid than she first…
108: AARP - To Join or Not to Join?
Oct 9, 2019 • 13 min
In this episode KT discusses: · What is AARP?· What AARP offers· The “real cost” of your membership Key Takeaways:· AARP doesn’t only target retirees· AARP values your data· Make sure a membership makes sense for you. Quote: “If (AARP is) really a…
107 - The Debt Clock is Ticking
Oct 2, 2019 • 10 min
In this episode KT discusses: · Our national debt· How the debt ceiling works · Why our national debt is so high Key Takeaways:· The US Government’s debt is $22 Trillion and growing· Tax breaks help contribute to the debt· Social Security benefits make up…
106 - Chuck it or Keep it
Sep 25, 2019 • 18 min
In this episode KT discusses: · The grocery game· The truth behind expiration dates· The power of the grocery list Key Takeaways:· Americans throw away $1,400 in groceries a year· Be realistic in your meal planning· When at the grocery store, ask yourself…
105 - Consumer Confidence. What Does it Mean?
Sep 18, 2019 • 15 min
In this episode KT discusses: · Defines the Consumer Confidence Index.· How your confirmation bias could taint how you view the economy.· The value of data used. Key Takeaways: · Three indicators you need to look for in to gage your confidence. · Consumer…
104 - KT’s Kickoff Spectacular! How does the NFL make money?
Sep 11, 2019 • 9 min
In this episode KT discusses: · NFL team revenue streams. · What the average team makes.· The Economics of NFL Team Ownershipby Kevin Murphy & Robert Topel Key Takeaways: · Game Day is just one way your favorite team makes money.· TV contracts are huge…
103 - Just Ask For It! with Joe Neff
Sep 4, 2019 • 33 min
This week Joe Neff from NewDay Solutions talks about the importance of just asking for what you want. In this episode KT and Joe discuss: · The power of asking for discounts, clarification, and change at work. · How you are your best advocate · How asking…
102 - So, you think you’re sending your kid to college on a sports scholarship? Think again!
Aug 28, 2019 • 13 min
In this episode KT discusses: · Parents under the sports scholarship illusion · Odds of landing a “free-ride” scholarship · Non-traditional sports scholarships for Women Key Takeaways: · Think of sports scholarships as a “nice subsidy” · Sports and…
101 - Storage Wars
Aug 21, 2019 • 16 min
In this episode KT discusses: · A new way to think about what and why you’re renting storage· Storage is costing you more than monthly rent· Ideas to help you get rid of these possessions Key Takeaways: · Storage is a $39B/Year Business· There are many…
100 - Trade War
Aug 14, 2019 • 18 min
In this episode KT discusses: · What lead up to the current trade war· How China’s and the United States strategies differ· How it affects your personal economy Key Takeaways: · Trade war could be keeping interest rates down· Now is the time to buy…
099 - The 1st Amendment vs. The Crazy Cost of Prescription Drugs
Aug 7, 2019 • 16 min
Show Notes: In this episode KT discusses: · The history of prescription drug ads on TV· How the prescription drug industry works· How much more Americans pay at the pharmacy compared to the rest of the world Key Takeaways: · Find a good healthcare hacker·…
098 - Helping Your Elder Parents Get What They Need
Jul 31, 2019 • 32 min
In this episode KT discusses: · How her family is handling an aging mother· Using doctors to your advantage· The importance of a family meeting Key Takeaways: · Getting along with your siblings in this situation is important· Offer to help, not take over…
097 - Housing Within Your Means
Jul 24, 2019 • 20 min
In this episode KT discusses: · The 30% Rule· Advice for first time home buyers· The truth about Private Mortgage Insurance (PMI) Key Takeaways: · Your apartment choice matters· Strategies for saving while your renting · Don’t think starter home, think…
096 - Summer Spending Tips
Jul 17, 2019 • 21 min
In this episode, KT discusses: · The travel website competition myth· Ways to book a better flight or hotel stay· The power of peer to peer businesses Key Takeaways: · The travel industry is worth $1.6 Trillion · Travel Websites vs. Booking Direct·…
095 - Business Building with Jeanna McGinnis
Jul 11, 2019 • 39 min
In this episode KT and Jeanna discuss: · Taking the leap to build your business· The challenges of a subscription business· Focusing on your target buyers Key Takeaways: · Turning a social media following into a business isn’t easy· Ethics is important in…
094 - Your Message and Mission with Patty Farmer
Jun 26, 2019 • 31 min
In this episode KT and Patty discuss: · Designing the lifestyle you want to live· Finding your audience· Focusing on your target buyers Key Takeaways: · Seven questions you should ask when you meet someone· Turning networking into nextworking· Tips for…
093 - Investing in Yourself with Jeanna McGinnis of Mentor Happy
Jun 21, 2019 • 30 min
In this episode KT and Jeanna discuss: · The disconnect between employers and candidates· Why many Millennials struggle during one-on-one job interviews· LinkedIn’s role in job recruitment Key Takeaways: · Each generation in the workplace communicates…
092 - Convenience Costs: Let’s make sure it’s worth it.
Jun 14, 2019 • 27 min
In this episode KT discusses: · All the fees you pay and don’t think about· What industries are the biggest fee predators· The fees you can and can’t change Key Takeaways: · The average American family spends $3,400/year on fees · Pick a category a month…
091 - Sell in May and Go Away (June Edition)
Jun 7, 2019 • 22 min
In this episode KT discusses: · The Fear Continuum · Option Strategies for Investors· What Summer Does to the Markets Key Takeaways: · The different ways to own stock· Don’t own a stock until “the very end”· Watch out for “building fear” Quote: “We all…
090 - Social Media for the Solopreneur with Ashley Mason
May 31, 2019 • 27 min
In this episode KT and Ashley discuss: · The importance of social media marketing· Having a social media strategy· Where to focus your social media efforts Key Takeaways: · The five biggest mistakes of social media· Results take time· Consistency over…
089 - The Tale of Two Unicorns
May 24, 2019 • 16 min
In this episode KT discusses: · What a unicorn company actually is· If unicorns are actually “rare”· Unicorn hype reminiscent of 1990s .com boom Key Takeaways: · Market value ≠ Profitability · The pros and cons of companies going public· The difference…
088 - Real Talk on Real Estate
May 17, 2019 • 26 min
In this episode KT discusses: · The state of the real estate market· Advice for buyers· Advice for sellers Key Takeaways: · The power of the Home Equity Loan· What today’s home buyers and Gen X have in common· Don’t get Real Estate FOMO Quote: “(Young…
087 - Secrets of Success
May 9, 2019 • 34 min
Show Notes: In this episode KT discusses: · Success with photographer and entrepreneur Raya Al-Hashmi · Finding your drive· Adopting the “there’s no plan B” mindset Key Takeaways: · Remove the layers to find your authentic life· How to find your “light”·…
086 - Who should be taxed for college debt?
May 3, 2019 • 13 min
In this episode KT discusses: • Her take on Sen. Elizabeth Warren’s student debt relief plan • Event vs. Education • The hidden cost of college you don’t think about Key Takeaways: • Americans have $1.4 trillion in student debt • Big colleges have…
085 – Budgeting Basics
Apr 26, 2019 • 39 min
In this episode, KT and Joe Neff from New Day Solutions discuss: • Short term vs. long term goals • Finding your “monthly nut” • Enjoying the fruits of your labor Key Takeaways: • Start with the basics • Find ways to gamify savings • The importance of…
084 – Financial Spring Cleaning
Apr 19, 2019 • 17 min
In this episode, KT discusses: Going through the financial “Junk Drawer” How “financial life” slows down in the spring Taking a “minimalist” look at your finances Key Takeaways: Know how the new tax laws affected you A $2,000 tax refund might be too much…
083 – The Franchise Show
Apr 11, 2019 • 26 min
In this episode, KT discusses The ins and outs of franchises as a business with Brian Grogan and Brent Hillerich of Crescent Franchise Solutions: The number of franchise opportunities in the United StatesThe advantages of franchisingThe costs of…
082 – Battle of the Sexes: Money Edition
Apr 5, 2019 • 13 min
In this episode, KT discusses: Who makes better money decisionsWho’s more impulsive with investment decisionsHow you can be a part of the show Key Takeaways: KT’s 24-hour ruleThe importance of a “talk me off the ledge” conversationWomen manage $14…
081 – Balance Transfer Balancing Act
Mar 29, 2019 • 15 min
In this episode, KT discusses: Understanding the difference between balance transfer offers The mystery of the credit score Using balance transfers as a strategy to pay off your debts Key Takeaways: Pay attention to the term of the offer Always go for 0%…
080 – KT’s Car Show
Mar 22, 2019 • 20 min
In this episode, KT discusses: New vs. Used Leasing vs. Buying Brands with the highest customer satisfaction vs. lowest Key Takeaways: More work, more money when selling your car How to buy your next car for cash. See KT Episode 72. Advice for “Car…
079 – Sick of debt? Time to get out?
Mar 15, 2019 • 27 min
In this episode, KT discusses: The reason why debt grows The real cost of your mortgage, auto loans, credit cards, and other debts The importance of budgeting Key Takeaways: Why Americans have so much debt Selling Pennies, charging Dollars Use technology…
078 – $1.5 Trillion in Student Loan Debt – Find Out How to Get Out!
Mar 8, 2019 • 27 min
In this episode, KT discusses student loan debt strategies with Tammy Symons CFP, New Day Solutions: American students are $1.5 Trillion in debtMost loans are due six months after graduationPaying them back is a challenge for people starting their…
077 – ABLE Accounts and Financial Makeovers
Feb 22, 2019 • 14 min
In this episode, KT discusses: Interested in a Money Makeover? Fill out the form here: https://ktsmoneymatters.com/contact/ Remember you can remain anonymous, but your story will be broadcast Special Needs Trust vs. ABLE Accounts Key Takeaways: Both…
076 - To Tip or Not to Tip, and How Much?
Feb 15, 2019 • 15 min
In this episode, KT discusses: If tipping is an obligation or a gratuityHow much the average American tips a yearNot all tips are equalKey Takeaways: Amount you should really tipHow the restaurant industry relies on your tipWhat servers, bartenders, and…
075 - Cybersecurity Day, Why It Matters To You
Feb 8, 2019 • 16 min
In this episode, KT discusses: Cybersecurity threats are out there than you think knowNobody is immune to an attackPassword securityKey Takeaways: There is Opportunity in the threatMore victims fall to cybersecurity threats everydayCompanies are passing…
074 - Take Me Out to the Ballgame
Feb 1, 2019 • 26 min
In this episode, KT discusses: - The “sweet magic” of making a living - Being open to opportunity - The in’s and out’s of minor league baseball management Key Takeaways: - When opportunities arise, you should take them. - What is nice vs. what is…
073 - Ninja Traveler
Jan 25, 2019 • 22 min
“You have to ask yourself are all these sites actually helping me find the best flight for me.” - KT In this episode, KT discusses: Not all travel sites are created equalWhat to consider before you book your next tripTravel discounts may come with a high…
072 - KT’s Year in Review: Actionable Steps for 2019
Jan 18, 2019 • 23 min
In this episode, KT discusses: The importance of economic take.Protecting your credit.Getting smarter with your everyday spending.Look at your income and then look at how you’re going to manage your expenses. Key Takeaways: Look at what the financial…
071 - KT’s 2018 Year End Review
Jan 11, 2019 • 36 min
In this episode, KT and prior guests discuss: Year end review and new year resolutions.Deciding what matters most to you at different times in your life.Being on the right ladder.How to be one of 3/10 businesses that succeed.Creating and consistently…
070 - Jennifer Desrosiers- Motivate for Adventure
Dec 27, 2018 • 32 min
In this episode, KT and Jennifer D discuss: Making the decision to change careers to achieve fulfillment. The effects if mindset in making choices that guide our lives. Uplifting people to help them be courageous and take risks. Investing money into…
069 - Karil Reibold – In order to run a successful startup, you need to understand the business of raising capital and structuring your business for long term success.
Dec 20, 2018 • 29 min
In this episode, KT and Karil discuss: What entrepreneurs have in common. The phases of starting and growing a business. Understanding where your market is before you go all in on your business. Different types of investors.Key Takeaways: You have to be…
068 - 9 Easy Steps to Manage and Protect Your Finances
Dec 13, 2018 • 8 min
In this episode, KT discusses: 9 easy steps to better manage your finances.The importance of organizing your mail and financial information.Taking care of your bills and upgrading your cyber-security.Where to keep your physical money.Key Takeaways: Open…
067 - Tammy Symons – Fighting the Winter Blues
Dec 6, 2018 • 21 min
In this episode, KT and Tammy Symons discuss: Planning for winter recreation and spending.Knowing the type of person you are, what you like to do and don’t like to do, and how often you will do those things.Buying verses renting your equipment.Doing your…
066 - Tammy Symons – Managing Market Volatility
Nov 29, 2018 • 24 min
In this episode, KT and Tammy Symons discuss: Balancing your investments.Knowing your objective, your comfort level with risk, and the timeframe of your money.Dollar cost averaging.How your instincts might lead you astray in finances. Key Takeaways:…
065 - FIRE = Financial Independence, Retire Early
Nov 22, 2018 • 15 min
In this episode, KT discusses: The sound bullets of FIRE – the hot new topic in financial planning.How the perspective on lifestyle has changed spending over the years.How the economic climate effects the rising generations.Who is retiring at 50 and…
064 - Lifetime Customer Value
Nov 15, 2018 • 18 min
In this episode, KT discusses: What the Lifetime Customer Value number is.How technology has allowed companies to know who is valuable to them over time.The types of shoppers and how companies see those individuals.Ways to increase your customer value…
063 - Tammy Symons – Budgeting for Everyone
Nov 8, 2018 • 35 min
In this episode, KT and Tammy Symons discuss: Knowing where you are and understanding your need for budgeting.Steps to budgeting and prioritizing your goals.Utilizing the tools around you, reputable apps, bank or credit union tools, etc. to your…
062 - Meg Myers Morgan – Everything is Negotiable
Nov 1, 2018 • 22 min
In this episode, KT and Meg Myers Morgan discuss: Negotiations are tied to value, not just money.Challenges Meg has faced in gaining the successes she has had.Being willing to negotiate and ask for the things you want.The biggest hurdles women give…
061 - Black Swan Events
Oct 25, 2018 • 18 min
In this episode, KT discusses: What Black Swan Events are and how they can affect the world.How Mortgage Changing (mortgages changing hands from one bank/lender to another) has changed over the last 20 years.How the 5 Black Swan Events of the last 20…
060 - Retirement Planning
Oct 18, 2018 • 13 min
In this episode, KT discusses: How long 6% savings might last after retirement.Retirees are now living longer than they have before and how that has changed the way we must look at retirement.Ways to shore up your retirement.Things you can do now to make…
059 - Tammy Symons – Managing your Mortgage
Oct 11, 2018 • 24 min
In this episode, KT and Tammy Symons discuss: The benefit of paying off your mortgage versus investing your money.Some of the factors to consider when you’re going into retirement.The historical pattern of mortgage interest rates over the last 10+ years…
058 - Marty Sink – CASA of New Hampshire
Oct 4, 2018 • 25 min
Marty Sink – CASA of New Hampshire In this episode, KT and Marty Sink discuss: How to start a charity and those things Marty didn’t know until she had started.What CASA of New Hampshire does and how it helps children and families in the community.How CASA…
057 - Leena Patidar – Direct Your Social Capital and Coin Up!
Sep 27, 2018 • 21 min
In this episode, KT and Leena Patidar discuss: How the Coin Up App works, the transparency of the app, and how the app got started.How to get the Coin Up App and the cost for someone to enroll.Leena’s original involvement and why she decided to get…
056 - Sylvie di Giusto – Invest in Yourself
Sep 20, 2018 • 23 min
In this episode, KT and Sylvie di Giusto discuss: What an image consultant is and what they do.How what you do on social media is just as important as what your appearance says about you.Ways to show your individuality while keeping with your professional…
055 - Mid-Summer Market Review & Stock Buy Backs
Sep 13, 2018 • 17 min
In this episode, KT discusses: How the market trends in August due to vacations.Diversifying and risk and how it worked with the market this year.Why people don’t sell even when prices are high.What stock buy backs are, why they matter, and how it is…
054 - Joan Kuhl – Why Millennials Matter
Sep 6, 2018 • 25 min
In this episode, KT and Joan Kuhl discuss: The day to day barriers that hold women back in business.The benefits of women’s conferences.The power of drive-time education.Being willing to embark on learning journeys with those in your company, and keeping…
053 - Shawn McBride-Profit in Partnership
Aug 30, 2018 • 34 min
In this episode, KT and R. Shawn McBride discuss: Multiple forms of partnership and how to make sure they will workDon’t be afraid to talk about the contingency plansThe importance of getting it in writing – a handshake agreement isn’t typically a good…
052 - Julie Ann Sullivan- Know Yourself for Success
Aug 23, 2018 • 26 min
In this episode, KT and Julie Ann Sullivan discuss: Julie Ann’s story and how she got to where she is todayHow to decide where and when to use your time as we all have a limited number of hours in the dayHow to use virtual assistants to make the most use…
Bonus- Lisa Keslar: Getting Support from your Agency
Aug 20, 2018 • 33 min
We’ve been told that certain podcast platforms had some technical issues with Episode 49, Lisa Keslar, so we decided to post it again as a bonus episode so no one missed any of this amazing content. In this episode, KT and Lisa Keslar discuss: Buying the…
051 - Tammy Symons- Understanding the Financial Impact of The Family and Medical Leave Act
Aug 16, 2018 • 20 min
In this episode, KT and Tammy Symons discuss: What the The Family and Medical Leave Act is and how people can use it.Having a cash reserve and understanding if it is enough money.Protecting yourself if you get sick.Understanding the benefits of The Family…
050 - Tammy Symons- Getting into the Groove of School
Aug 9, 2018 • 25 min
In this episode, KT and Tammy Symons discuss: What to expect to spend in back to school shopping.Recommendations to fund for school shopping.Tips for getting back into the routine of school.Setting goals for what you want to accomplish.Key Takeaways: Set…
049 - Lisa Keslar- Getting Support from your Agency
Aug 2, 2018 • 35 min
In this episode, KT and Lisa Keslar discuss: Buying the insurance that makes sense for you and your family.Types of questions people should be asking their agents.Finding the best possible coverages.What insurance you should have if you’re worried of…
048 - Tammy Symons- Deciding What in Your Life Matters and Acting on it
Jul 26, 2018 • 26 min
In this episode, KT and Tammy Symons discuss: · The drive to want to continue to climb in your career · Deciding what your life matters, and acting on it · Figuring out if you’re on the right path of life, and if you’re not how to get to the right place ·…
047 - Tammy Symons- Vacation Smartly
Jul 19, 2018 • 29 min
In this episode, KT and Tammy discuss: The money that goes into vacations and your vacation budget Only spending what you can afford on vacation Knowing what your purchase includes When to buy the cheapest airplane tickets Key Takeaways: Find hotels that…
046 - Jay Healy- How to Find a Mortgage that’s Perfect for You
Jul 12, 2018 • 41 min
In this episode, KT and Jay Healy discuss: What is more recommended, fixed or adjustable ratesWhat first time home buyers want to be thinking aboutNo Doc loan’s and the impact of themFiguring out how much mortgage you can actually affordKey Takeaways: You…
045 - Julie Reisler- Master your Inner World to Master your Outer World
Jul 5, 2018 • 26 min
In this episode, KT and Julie Reisler discuss: If you’re not taking care of yourself on the inside, you can’t be your best self on the outsideTaking the leap to start a new campaignHow being an entrepreneur shapes your financial…
044 - Sue Haviland- Education on Reverse Mortgages
Jun 28, 2018 • 20 min
In this episode, KT and Sue Haviland discuss: What is a Reverse mortgageIf you have a reverse mortgage, what happens when you die?Understand that the interest is going to accumulate on the mortgage Key Takeaways: Don’t just make a reverse mortgage plan…
043 - Deb Gabor- When You Need to Accomplish Something, Just Do It!
Jun 21, 2018 • 27 min
In this episode, KT and Deb Gabor discuss: Deb became an entrepreneur by accident How to work when having young children Women have to sacrifice more when they’re working How to brand Key Takeaways:Just do it Do what you can to gain control of your own…
042 - Christina Martini- While Young, Learn to Take Care of Yourself
Jun 14, 2018 • 24 min
In this episode, KT and Christina Martini discuss: Wisdom that Christina wants to share with the communityWe can choose our path to takeIt’s valuable to learn how to fully take care of yourselvesThere’s going to come a time when parents can no longer help…
041 - Christina Martini- Do You Have an Amazing New Idea?
Jun 7, 2018 • 27 min
In this episode, KT and Christina Martini discuss: Tina is a professional with amazing experience in the legal field but can share insights to her experience as a powerful woman in an industry with many men.If you have an amazing new idea what are your…
040 - Lou Diamond- Getting Connections
May 31, 2018 • 23 min
In this episode, KT and Lou Diamond discuss: The difference between networking and connections Establishing strong connections The four ways to gain a strong connection How to get exponential growth Key Takeaways: It’s important to establish connections…
039 - Lou Diamond- Being Financially Set
May 24, 2018 • 19 min
In this episode, KT and Lou Diamond discuss: How to handle financial ups and downs of starting a business from scratch How should people invest in their company How to expand your business by getting out of your comfort zone Working from the heart Key…
038 - Jon Dwoskin- Providing Advice
May 17, 2018 • 16 min
In this episode, KT and Jon Dwoskin discuss: Advice Jon would give his clientsHow to be an effective managerHow to find the right mentorBe with a company who’s in alignment with who you areKey Takeaways: If you want your business to evolve, you have to…
037 - KT’s Tips for When You’re in Your 50’s
May 15, 2018 • 20 min
In this episode, KT discuss’s: Eliminating debtSave for retirementMake sure you’re not paying for things that are no longer neededEliminate insurance items that are unnecessaryKey Takeaways: Increase your savings every yearKnow how much cash flow your…
036 - Jon Dwoskin- Diversification of Career and Money
May 10, 2018 • 13 min
In this episode, KT and Jon Dwoskin discuss: · How to leverage your skills and sphere off of that · Is bigger always better? · How to communicate affectively · What things provide a better environment for an employee Key Takeaways: · Find ways to put your…
035 - KT’s Tips for When You’re in Your 40’s
May 8, 2018 • 16 min
In this episode, KT discuss’s: People have made bad habits that just keep setting them back40’s is when you make the worst financial decisionsUnderstand what the barriers of your life areSpend your money wiselyKey Takeaways: Money has become very…
034 - Jon Dwoskin- Dealing with Finance
May 3, 2018 • 16 min
In this episode, KT and Jon Dwoskin discuss: What’s the right thing for people to be thinking about as they go into businessCan you teach someone to be an entrepreneur or does it come naturally?What to do when your company gets stuckWhat makes someone…
033 - KT’s Tips for When You’re in Your 30’s
May 1, 2018 • 17 min
In this episode, KT discusses: In your 30’s you are making your own financial decisionsEstablish a strong plan on how to saveEmployee stock purchase plansPlanning for kids financiallyKey Takeaways: Save enough to have the employers sponsored matchPay off…
032 - Tammy Symons- What To Do When a Family Member Dies
Apr 26, 2018 • 23 min
In this episode, KT and Tammy Symons discuss: KT’s experience with a death of a family memberIf you’re the griever, what you should be thinking aboutPlanning a funeralInquiring about life insuranceKey Takeaways: When a family member passes, make sure you…
031 - KT’s Tips for When You’re in Your 20’s
Apr 24, 2018 • 14 min
In this episode, KT discusses: Your 20s are the start of your “Grown-up” professional lifeIt’s not too early to start savingDon’t change jobs every few months- Get a job and keep it for a whileHaving credit is important, how you use credit is more…
030 - Tammy Symons- Planning Post Divorce
Apr 19, 2018 • 20 min
In this episode, KT and Tammy Symons discuss: How to rebuild yourself after divorce, financiallyHow your expenses changeThe help of a professional through a divorceProtecting your credit score Key Takeaways: Putting together your new income vs. expenses…
029 - Tammy Symons- Kids are Expensive!
Apr 12, 2018 • 12 min
In this episode, KT and Tammy Symons discuss: Financial changes to consider when you start a familyHow to care for that child when both parents are workingKeeping insurance in mindPlanning for your child’s educationKey Takeaways: Create a new budget -…
028 - KT’s Tips- Real Estate by the Numbers
Apr 10, 2018 • 13 min
In this episode, KT discusses: The current real estate trendRecent change in taxes for 2018Rise in the higher market interest rate Key Takeaways: Homes went up 5.7 percent last yearDon’t go house brokeMortgage rates are starting to go up “If you are…
027 - Rachael Ela- Keeping Track of All Your Business’ Financial Moving Parts
Apr 5, 2018 • 27 min
In this episode, KT and Rachael Ela discuss: Steps that you shouldn’t skipTypes of accounts to open for your businessUnderstanding your bank’s funds availability policyThe expense of going too fastKey Takeaways: Find an attorney, find an accountant so…
026 - KT’s Tips- Gym Memberships
Apr 3, 2018 • 9 min
In this episode, KT discusses: The type of people who buy gym membershipsThe challenges of cancelling your gym membershipThe yearly cost of average gym memberships Key Takeaways: It’s hard to cancel membershipsPeople pay for a membership they don’t use…
025 - Rachael Ela- Maintaining a Healthy Financial Balance
Mar 29, 2018 • 27 min
In this episode, KT and Rachael Ela discuss: Banking feesThe cost of not paying attentionBanking in 2018Properly using overdraft protectionKey Takeaways: The FDIC now requires banks to track what people are spending on banking (the first quarter of…
024 - KT’s Tips- Trade Tariffs, good or bad?
Mar 27, 2018 • 5 min
In this episode, KT discusses: Economists’ viewpoint on tariffsPresident Trump initiating tariffs on both steal and aluminumWhat other countries are doing with tariffsGood and services on a budgetKey Takeaways: Tariffs can drive up the cost of thingsWe as…
023 - Rachael Ela – Helping Your Parents with Their Money
Mar 22, 2018 • 22 min
In this episode, KT and Rachael Ela discuss: When you should go into a physical bankAt the death of a parent, what do you do?What banking precautions you can put in placeHow to not take away dignityKey Takeaways: Your parents’ local bank will notice when…
022 - KT’s Tips- Taking care of an Aging Parent
Mar 20, 2018 • 10 min
Taking Care of Aging Parents In this episode, KT discusses: When should you help your parentsHow to step in to helpParents don’t want to ask kids for helpKey Takeaways: Aging is an undignified processHelp your parents watch for elder fraudWatch closer…
021 - Karen Briscoe teaches 5 Minute Success
Mar 15, 2018 • 25 min
In this episode, KT and Karen Briscoe discuss: Compound interestHow to write a successful bookHow Karen measures successActing on your thoughts Key Takeaways: Make sure you create good habitsStay focusedDo one concept a dayThere is so much left to do”Am I…
020 - KT’s Tips- The Problem With Timeshares
Mar 13, 2018 • 13 min
The Problem with Timeshares In this episode, KT discusses: Value of timesharesWhat to expect from the sales personHow to get out of timesharesKey Takeaways: Timeshares are not an investmentTimeshares are like prepaying for vacationsThere are better ways…
019 - George Ferullo -3 Tax changes affecting high earners
Mar 8, 2018 • 23 min
Those Who Pay the Most, Save the Most In this episode, KT and George discuss: Tax changes and its effect on high earnersUnreimbursed expenses from homeUpcoming changes of alimonyThings that have changed/have not changed Key Takeaways: Phase out of the…
018 - KT’s Tips- Frothy Markets
Mar 6, 2018 • 5 min
The Word Around the Most Recent Sell Out In this episode, KT discusses: The signs when things are getting too frothy in the marketFOMOWhen to buy, for investment reasonsKey Takeaways: When people are talking about how good things are or if people are…
017 - George Ferullo 2- Tax reform for the self-employed, how to make the most of the changes and avoid some of the pitfalls
Mar 1, 2018 • 21 min
Treading Carefully with Self-Employment and Taxes In this episode, KT and George discuss: A recent change in corporate tax reformThe benefits of being an S corporationSmall business owners sweetening the tax situationKey Takeaways: A pass through entity…
016 - Taking Charge of Your Finances
Feb 27, 2018 • 8 min
Click here to reach KT In this episode, KT discusses: Common steps to managing money betterTaking care of your bills and upgrading your cybersecurityWhere you should physically keep your money Key Takeaways: Open your mail and read itWhen’s the last time…
015 - Understanding the Complexity of the New Tax Code
Feb 22, 2018 • 20 min
George Ferullo In this episode, KT and George discuss: Getting taxes done this yearKeeping a cool financial headWriting off state and local taxes against the federal returnThe trade off Key Takeaways: Your total tax obligation may not change as much as…
014 - KT’s Tips- Understanding Market Mania
Feb 20, 2018 • 6 min
In this episode, KT discusses: Defining market maniaHow overconfidence can be a financial deficitThe reality of new currencyKey Takeaways: BitCoin is today’s market maniaThe herd mentality leads people to spend large amounts of money on “hot”…
013 - Living or Dying Without a Plan
Feb 15, 2018 • 8 min
Reach Me Here: KT Thomas Getting your finances in order, because life happens In this episode, KT discusses: Why a will is important Legal ramifications if you don’t have a will Engaging an attorney Key Takeaways: In most States, if you don’t have a will…
012 - Getting the Most Bang for Your Gas Buck
Feb 12, 2018 • 4 min
Reach Me Here: KT Thomas In this episode, KT discusses: What gas to choose when you’re filling up your tankHow did premium gas come to be?What do the facts say about regular vs. premium gas?Key Takeaways: Many people fill up their tank once a week and the…
011 - How to Make Your Forever Home, the Happiest Place to Be Within Budget
Feb 7, 2018 • 17 min
Reach Me Here: KT Thomas How to Make Your Forever Home, the Happiest Place to Be Within Budget In this episode, KT and Melissa discuss: When should you spend a lot of money on renovationsGiving your home a faceliftWhat work you should avoidInterior…
010 - Protecting and Dead-Bolting Your Credit
Feb 5, 2018 • 5 min
Reach Me Here: KT Thomas Protecting and Dead-Bolting Your Credit In this episode, KT discusses: The Equifax breachManaging your creditFreezing your creditKey Takeaways: A simple way to protect your credit is by managing your passwords more regularly -…
009 - The 411 on the 529 Plan
Jan 31, 2018 • 8 min
Reach Me Here: KT Thomas In this episode, KT and Tammy discuss: Misinformation about 529 plansWho’s best suited for a 529 plan?The downsides to doing this planWhat Tammy recommends Key Takeaways: You don’t pay on the interest earnedAs long as you use it…
008 - The Take
Jan 29, 2018 • 3 min
In this episode, KT discusses: What does “the take” mean?Why you should keep an eye out for tax exempt investmentsKey Takeaways: When the tax rate change is all said and done, those with the higher tax rate can benefit from using tax exempt…
007 - Hiring the right professional
Jan 24, 2018 • 14 min
In this episode, KT and Melissa discuss: Keeping a budget in mindQuick and Cheap? Not so muchPlan, plan, planBang for your bucksKey Takeaways: Coming up with a budget can be difficult, so think about bringing in a professional or use a tool like this Free…
006 - Pink it and Shrink it
Jan 22, 2018 • 4 min
Reach Me Here: KT ThomasIn this episode, KT discusses: How women pay more for less productKnowing what to look for Key Takeaways: Often times, products packaged in pink are more expensive and contain less of the actual product when compared to men’s…
005 - Making Sure Your Financial Plans are In Good Professional Hands
Jan 17, 2018 • 15 min
Reach Me Here: KT Thomas In this episode, KT and Tammy discuss: Why a financial planner is importantThings to keep in mind when choosing a financial plannerBeing a CFP vs. working as a CFPFiduciary Key Takeaways: Make sure that the financial planner is…
004 - What Tax Law Changes Are Bringing Homeowners in 2018
Jan 15, 2018 • 6 min
In this episode, KT discusses: What a home equity line of credit is and how it’s changed in 2018Variable interest ratesAdvantage and disadvantages of tax benefitsThe effects on the average AmericanKey Takeaways: A home equity line of credit is a second…
003 - Renovations from the Ground Up, The Money Conscious Way
Jan 15, 2018 • 11 min
In this episode, KT and Melissa discuss: Keeping a budget in mindQuick and Cheap? Not so muchPlan, plan, planBang for your bucksKey Takeaways: Coming up with a budget can be difficult, so think about bringing in a professional or use a tool like this Free…
002 - Bitcoin: The New Gold or The Next ‘.com’
Jan 15, 2018 • 9 min
In this episode, KT discusses: Understanding BitcoinThe speculationOn a 1 to 10 scale of risky… Bitcoin is a 20Is it a gold replacement? Key Takeaways: A cryptocurrency is a replacement for real currencyThe question is: “Will a currency not backed by the…
001 - KTs Money Matters Intro Episode
Jan 7, 2018 • 5 min
In this episode, KT discusses: KT’s careerThe purpose of KT’sMoneyMatters podcastTypes of guests on the showWhat you should expect Key Takeaways: KT has been a financial advisor for more than 25 yearsYou should be able to have a takeaway each week that…