·     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 enjoy the recovery

Quote:

“Everybody always says, every single time, ‘this time it’s different.’ After almost 30 years as an investor, what I’ll say to you is ‘no its not.’ Someday people will start eating out again and they’ll stop hoarding toilet paper. ” – KT

If you are a successfully renting your home contact KT at kathleen@ktmoneymatters.com

Click here to reach KT 

See KT’s interview on C-Suite Network’s Best Seller TV

Connect with KT Thomas: http://ktsmoneymatters.com/

Purchase KT’s book- The Hardworking Woman’s Guide to Money 

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·     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 goods and services during the crisis

·     Things to take advantage of during this time (like cheap gas)

·     Hot COVID-19 and other scams making the rounds

Quote:

“Be smart. Be careful. Don’t get screwed. ” – KT

Click here to reach KT 

See KT’s interview on C-Suite Network’s Best Seller TV

Connect with KT Thomas: http://ktsmoneymatters.com/

Purchase KT’s book- The Hardworking Woman’s Guide to Money 

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·     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

·     Advice for car buyers

Quote:

“Fear is a funny thing. It causes people to do things that don’t make sense, just so they can feel like they control something. ” – KT

Click here to reach KT 

See KT’s interview on C-Suite Network’s Best Seller TV

Connect with KT Thomas: http://ktsmoneymatters.com/

Purchase KT’s book- The Hardworking Woman’s Guide to Money 

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·     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

Quote:

“Everybody always says, every single time, ‘this time it’s different.’ After almost 30 years as an investor, what I’ll say to you is ‘no its not.’ Someday people will start eating out again and they’ll stop hoarding toilet paper. ” – KT

If you are a successfully renting your home contact KT at kathleen@ktmoneymatters.com

Click here to reach KT 

See KT’s interview on C-Suite Network’s Best Seller TV

Connect with KT Thomas: http://ktsmoneymatters.com/

Purchase KT’s book- The Hardworking Woman’s Guide to Money 

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·     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 reviews

Quote:

“(Guests) don’t expect (your rental) to be a hotel. They expect you to be immaculate and operational. If you’re not willing to do that, work harder at your day job. ” – KT

If you are a successfully renting your home contact KT at kathleen@ktmoneymatters.com

Click here to reach KT 

See KT’s interview on C-Suite Network’s Best Seller TV

Connect with KT Thomas: http://ktsmoneymatters.com/

Purchase KT’s book- The Hardworking Woman’s Guide to Money 

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·     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 companies

·     Do your research before renting

·     Last-minute rentals might get a deal, if you ask for it.

Quote:

“Booking houses is (these companies) gig. Customer service, not so much.” - KT

Click here to reach KT 

See KT’s interview on C-Suite Network’s Best Seller TV

Connect with KT Thomas: http://ktsmoneymatters.com/

Purchase KT’s book- The Hardworking Woman’s Guide to Money 

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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 and cons of tiny house ownership

·     The rule you should use when considering buying a home of any size

·     Downsizing could be jumbo-sizing your

Quote:

“Consider rightsizing your housing to meet your income, not the other way around.” – KT

Do you have a tiny house story? Contact KT here: https://ktsmoneymatters.com/contact/

Click here to reach KT 

See KT’s interview on C-Suite Network’s Best Seller TV

Connect with KT Thomas: http://ktsmoneymatters.com/

Purchase KT’s book- The Hardworking Woman’s Guide to Money 

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·     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 be working as hard as before

Quote:

“This is your money. You worked hard all last year for it. If you’re due a tax return this is money you’ve overpaid the government, that they got to borrow for free all year. Don’t let anybody else take any more of it before you get to call it yours.” - KT

Click here to reach KT 

See KT’s interview on C-Suite Network’s Best Seller TV

Connect with KT Thomas: http://ktsmoneymatters.com/

Purchase KT’s book- The Hardworking Woman’s Guide to Money 

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·     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 impact your children

Quote:

“What this really means is (the government) created a disadvantage for working and saving Americans over wealthy Americans who get to pass nearly the bulk of their entire estate tax free. ” – KT

Click here to reach KT 

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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:

·     Only one of 2019's Unicorns is making money

·     What industries need to turn a profit in 2020

·     The latest Unicorn buzz has parallels to the .com bubble of the late 1990s

Quote:

“Investors are getting a little bit more careful about understanding that companies have to have a path to profitability. ” – KT

Click here to reach KT 

See KT’s interview on C-Suite Network’s Best Seller TV

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·     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 nudged by somebody else’s investment ideas

·     The benefits of a “blended fund”

Read the article that inspired this episode: https://www.barrons.com/articles/richard-thaler-stop-sabotaging-your-portfolio-51577993136

Quote:

“You can’t pick (the market). All you can pick is your exposure to it and constantly manage that process. ” – KT

Click here to reach KT 

See KT’s interview on C-Suite Network’s Best Seller TV

Connect with KT Thomas: http://ktsmoneymatters.com/

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·     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 it all of the time. People thinking they’re going to retire and then they get closer. They can’t figure out what they’re going to do when they (retire) and they don’t like the idea of spending money so they stay (working). ” – KT

Click here to reach KT 

See KT’s interview on C-Suite Network’s Best Seller TV

Connect with KT Thomas: http://ktsmoneymatters.com/

Purchase KT’s book- The Hardworking Woman’s Guide to Money 

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·     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 steps

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·     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

·     Savings and bill paying strategies 

Click here to reach KT 

See KT’s interview on C-Suite Network’s Best Seller TV

Connect with KT Thomas: http://ktsmoneymatters.com/

Purchase KT’s book- The Hardworking Woman’s Guide to Money 

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·     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% of retirees work, money isn’t the only reason why

Click here to reach KT 

See KT’s interview on C-Suite Network’s Best Seller TV

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Purchase KT’s book- The Hardworking Woman’s Guide to Money 

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·     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 of year rallies are random

Click here to reach KT 

See KT’s interview on C-Suite Network’s Best Seller TV

Connect with KT Thomas: http://ktsmoneymatters.com/

Purchase KT’s book- The Hardworking Woman’s Guide to Money 

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·     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 sale

·     Abandon your online “cart” daily.

Quotes:

“You used to go to the malls once a week, but now you shop every day. We’re not going the right way.” – KT

Click here to reach KT 

See KT’s interview on C-Suite Network’s Best Seller TV

Connect with KT Thomas: http://ktsmoneymatters.com/

Purchase KT’s book- The Hardworking Woman’s Guide to Money

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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 your finances will get split between your spouse and your children

The number one reason why people don't do estate planning is getting over the fact that they might need it

Make sure you understand an attorney's pricing before you meet with them 

Connect with KT Thomas: https://ktsmoneymatters.com/

Purchase KT's book- The Hardworking Woman's Guide to Money

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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 type of person that doesn't like scented things, buying the non-scented "guy" version of the product can save you money 

"A little bit of spending can go a long way." - KT Thomas

Connect with KT Thomas: https://ktsmoneymatters.com/

Purchase KT's book- The Hardworking Woman's Guide to Money

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·     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 channels you need

·     The power of an antenna

Quotes:

“I think cable cutting is great. I will preach it to anyone that will listen, but for you it might not be the best option.” – Andy Graning

“I personally think everybody could save a little bit of money on home entertainment and internet. I encourage you to open that (cable bill) and give it a shot.” – KT

Click here to reach KT 

See KT’s interview on C-Suite Network’s Best Seller TV

Connect with KT Thomas: http://ktsmoneymatters.com/

Purchase KT’s book- The Hardworking Woman’s Guide to Money 

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·     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 statements for charges

·     Mark your calendar the free trial end date

·     Complaints with the Better Business Bureau do work

Quote:

“Looking for bills you don’t know and figuring out how to get them away is a real job in America today.” - KT

Click here to reach KT 

See KT’s interview on C-Suite Network’s Best Seller TV

Connect with KT Thomas: http://ktsmoneymatters.com/

Purchase KT’s book- The Hardworking Woman’s Guide to Money 

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·     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 tap water

·     Many bottled water brands are just filtered tap water

·     The environmental impact of all those empty bottles

Click here to reach KT 

See KT’s interview on C-Suite Network’s Best Seller TV

Connect with KT Thomas: http://ktsmoneymatters.com/

Purchase KT’s book- The Hardworking Woman’s Guide to Money 

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·     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 find some of the best deals BEFORE Thanksgiving

Quote:

“(Black Friday) is really the single most expensive day off Americans ever had.” - KT

Click here to reach KT 

See KT’s interview on C-Suite Network’s Best Seller TV

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·     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”

·     Reconsider your online shopping and car buying habits

Quote:

“The problem with money shaming, like fat shaming, it leads to growing the problem, not shrinking it.” - KT

Click here to reach KT 

See KT’s interview on C-Suite Network’s Best Seller TV

Connect with KT Thomas: http://ktsmoneymatters.com/

Purchase KT’s book- The Hardworking Woman’s Guide to Money 

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Key Takeaways:

·     What you need to know before you participate

·     Few understand how the program is supposed to work

·     Consider your mental and financial health when enrolling in this program

Quote:

“We don’t get paid to go to school. We don’t get forgiveness when we go to work in the school district and we still have to pay for our advanced degree…Some of this seems really unfair.” - KT

Click here to reach KT 

See KT’s interview on C-Suite Network’s Best Seller TV

Connect with KT Thomas: http://ktsmoneymatters.com/

Purchase KT’s book- The Hardworking Woman’s Guide to Money 

Learn more about your ad choices. Visit megaphone.fm/adchoices

See KT’s interview on C-Suite Network’s Best Seller TV

Connect with KT Thomas: http://ktsmoneymatters.com/

Purchase KT’s book- The Hardworking Woman’s Guide to Money 

Learn more about your ad choices. Visit megaphone.fm/adchoices

See KT’s interview on C-Suite Network’s Best Seller TV

Connect with KT Thomas: http://ktsmoneymatters.com/

Purchase KT’s book- The Hardworking Woman’s Guide to Money

Learn more about your ad choices. Visit megaphone.fm/adchoices

See KT’s interview on C-Suite Network’s Best Seller TV

Connect with KT Thomas: http://ktsmoneymatters.com/

Purchase KT’s book- The Hardworking Woman’s Guide to Money 

Learn more about your ad choices. Visit megaphone.fm/adchoices

 ·      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 confidence is at 2007 levels, and we know what happened a year later.·      How to watch the markets and the economy for confidence.

Click here to reach KT See KT’s interview on C-Suite Network’s Best Seller TVConnect with KT Thomas: http://ktsmoneymatters.com/Purchase KT’s book- The Hardworking Woman’s Guide to Money  

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 ·      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 for NFL owners bottom line.·      When is enough profit enough?  Quote: “There’s a lot of money in football for the owners. In fact, they’re making record profits.” – KT  If you have any topics you’d like to see covered in future KT Money Matters click here to drop us a message or visit the Get in Touch section of her website. Click here to reach KT See KT’s interview on C-Suite Network’s Best Seller TVConnect with KT Thomas: http://ktsmoneymatters.com/Purchase KT’s book- The Hardworking Woman’s Guide to Money 

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·      The power of asking for discounts, clarification, and change at work. ·      How you are your best advocate ·      How asking can be the road to compromise Key Takeaways: ·      Be prepared for things not going your way·      Figure out what your time is worth·      Asking for someone’s time could be one of the most valuable requests you’ll ever make.  Quote: “You’re spending a whole lot more money shopping around. Where if you just ask, maybe it goes your way, maybe it doesn’t, but there’s a good chance it will because (the company) wants to retain customers.” – Joe Neff If you’d like to hear Joe talk about Budgeting Basics on a past episode click here. If you have any topics you’d like to see covered in future KT Money Matters click here to drop us a message or visit the Get in Touch section of her website. Click here to reach KTSee KT’s interview on C-Suite Network’s Best Seller TVConnect with KT Thomas: http://ktsmoneymatters.com/Purchase KT’s book- The Hardworking Woman’s Guide to Money 

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 ·      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 studying are both full-time jobs for your student·      Help your child find scholarships, you wouldn’t promote your 16-year-old to CFO  Quote: “The idea of a free ride academically for one of these other (not football or basketball) collegiate sports is a fantasy.” – KT Visit ncaaguide.com to find colleges that offer scholarships. Here is a link to the Magness & Marcus on Coaching episodes on college athletic scholarships KT referenced. If you have any topics you’d like to see covered in future KT Money Matters click here to drop us a message or visit the Get in Touch section of her website. Click here to reach KT See KT’s interview on C-Suite Network’s Best Seller TVConnect with KT Thomas: http://ktsmoneymatters.com/Purchase KT’s book- The Hardworking Woman’s Guide to Money 

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 ·      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 reasons why people rent storage units·      Storage facilities could be a great investment  Quote: “Think about taking things off your 2020 expenses by using (your time) now to get rid of it.” – KT If you have any topics you’d like to see covered in future KT Money Matters click here to drop us a message or visit the Get in Touch section of her website. Click here to reach KTSee KT’s interview on C-Suite Network’s Best Seller TVConnect with KT Thomas: http://ktsmoneymatters.com/Purchase KT’s book- The Hardworking Woman’s Guide to Money 

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 ·      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 appliances or refinance·      What it could mean for your financial security  Quote: “I’m not here to talk about the politics (of a trade war). It’s pretty important to understand how this might matter to you as a U.S. consumer.” – KT This is our 100th episode. If you have any topics you’d like to see covered in future KT Money Matters click here to drop us a message or visit the Get in Touch section of her website. Click here to reach KT See KT’s interview on C-Suite Network’s Best Seller TVConnect with KT Thomas: http://ktsmoneymatters.com/Purchase KT’s book- The Hardworking Woman’s Guide to Money  

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 ·      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·      Talk to your doctor about options·      The “charity partner” fallacy Find deals on prescription drugs at https://www.goodrx.com/. This website is mentioned in the show, but it’s not a paid endorsement. Quote:  “We all know on some level the prescription drug costs in America are out of whack. What we don’t know is how we will answer that issue.” – KT Click here to reach KT See KT’s interview on C-Suite Network’s Best Seller TVConnect with KT Thomas: http://ktsmoneymatters.com/Purchase KT’s book- The Hardworking Woman’s Guide to Money 

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 ·      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 (depending on your situation)·      Find an elder care planner or lawyer specializing in elder care Quote:  “Remember, helping out isn’t taking over. Growing old is an undignified process. Don’t make it worse.” – KT Click here to reach KT See KT’s interview on C-Suite Network’s Best Seller TVConnect with KT Thomas: http://ktsmoneymatters.com/Purchase KT’s book- The Hardworking Woman’s Guide to Money 

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 ·      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 5-year home Quote:  “Homeownership isn’t supposed to be renting with a real estate tax bill. You’re actually supposed to be able to build equity in your home. Live there. Make it what you want over time and stay there.” – KT Click here to reach KTSee KT’s interview on C-Suite Network’s Best Seller TVConnect with KT Thomas: http://ktsmoneymatters.com/Purchase KT’s book- The Hardworking Woman’s Guide to Money 

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 ·      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·      Creative ways to save on Restaurants when traveling Quote:  “You think you’re wheeling and dealing (on a travel website), but the reality is most of the time you’re doing business with the same big company.” – KT Click here to reach KT See KT’s interview on C-Suite Network’s Best Seller TVConnect with KT Thomas: http://ktsmoneymatters.com/Purchase KT’s book- The Hardworking Woman’s Guide to Money 

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 ·      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 all business·      You can be right, but still be wrong Quotes: “I think social media has painted a very pretty picture of how easy it is to launch a business, nut what you don’t know is what they are doing to allow (their business) to grow.” Jeanna McGinnis “There’s always some risk about what you say you’re going to do to deliver versus how people perceive what you’re going to deliver.” – KT If you’d like to listen to part one with Jeanna click here.  KT wants your feedback. She would like to know: 1)    What do you like about the podcast?2)    What don’t you like about the podcast?3)    How do you like to get financial advice? Send your comments here. Click here to reach KT See KT’s interview on C-Suite Network’s Best Seller TVConnect with KT Thomas: http://ktsmoneymatters.com/Purchase KT’s book- The Hardworking Woman’s Guide to Money  

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 ·      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 the social media challenged Quote: “At the core, what is the lifestyle you want to live? – Patty Farmer If you’d like to subscribe to Marketing, Media and Money Magazine click here. To learn more about Patty Farmer and her services click here. Note: due to the 4th of July holiday, there will not be an episode next week. Have a safe and happy 4th. Click here to reach KT See KT’s interview on C-Suite Network’s Best Seller TVConnect with KT Thomas: http://ktsmoneymatters.com/Purchase KT’s book- The Hardworking Woman’s Guide to Money  

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 ·      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 differently·      The best time to find a job is when you don’t need a job·      The art of getting yourself ready for your next job Quote: “Your career is always evolving. It’s really critical that you think about your career holistically.” – Jeanna McGinnis To find out more about Mentor Happy and projectU click here. Click here to reach KT See KT’s interview on C-Suite Network’s Best Seller TVConnect with KT Thomas: http://ktsmoneymatters.com/Purchase KT’s book- The Hardworking Woman’s Guide to Money 

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 ·      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 to focus on·      The trick behind “drip pricing”  Quote: “When the day is done, this is your money you’re simply just giving away for the right to go fast. You can decide how much speed you want to buy.” – KT  Click here to reach KT See KT’s interview on C-Suite Network’s Best Seller TVConnect with KT Thomas: http://ktsmoneymatters.com/Purchase KT’s book- The Hardworking Woman’s Guide to Money 

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 ·      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 understand the market is a series of ups and downs, except we all really love the ups and nobody really likes the downs.” – KT  Click here to reach KT See KT’s interview on C-Suite Network’s Best Seller TVConnect with KT Thomas: http://ktsmoneymatters.com/Purchase KT’s book- The Hardworking Woman’s Guide to Money 

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 ·      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 frequency   Quotes: “Often times people think social media will get you more sales, grow your business instantly, but really social media is just one piece of the marketing pie.”- Ashley “Twenty-five years ago, you could start a business by hanging a sign, maybe putting an ad in the church bulletin and working hard. Those days are gone. If you’re not out from behind your desk, they’re not going to find you.” – KT Reach Ashley at ashley@dashofsocial.comGrab your free content calendar here.  Click here to reach KTSee KT’s interview on C-Suite Network’s Best Seller TVConnect with KT Thomas: http://ktsmoneymatters.com/Purchase KT’s book- The Hardworking Woman’s Guide to Money 

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 ·      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 between Lyft and Pinterest’s IPO strategies   Quote: “I know there are unicorn hunters out there. What I would say to you is just be careful and make sure you’re not buying a heard of horses.”- KT Click here to reach KT See KT’s interview on C-Suite Network’s Best Seller TVConnect with KT Thomas: http://ktsmoneymatters.com/Purchase KT’s book- The Hardworking Woman’s Guide to Money 

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 ·      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 Homebuyers) think about financial stability, choice and flexibility in their lives, they think about managing overall costs, they want to be able to change if it’s not working.” - KT

Click here to reach KTSee KT’s interview on C-Suite Network’s Best Seller TVConnect with KT Thomas: http://ktsmoneymatters.com/Purchase KT’s book- The Hardworking Woman’s Guide to Money 

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 ·      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”·      Artists need to figure out what they are worth  Quote: “If you want to reach heights of success, you have to commit to moving forward in a way that feels authentic and real to you.” – Raya Al-Hashmi Connect with Raya through her website and Instagram. Click here to reach KT See KT’s interview on C-Suite Network’s Best Seller TVConnect with KT Thomas: http://ktsmoneymatters.com/Purchase KT’s book- The Hardworking Woman’s Guide to Money 

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• 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 tax-exempt status

 • Parents share some of the debt blame

Quote: “The root of the problem is college tuition has been growing at twice the rate of inflation for more than 25 years.” – KT

Click here to reach KT

 See KT’s interview on C-Suite Network’s Best Seller TV

Connect with KT Thomas: https://ktsmoneymatters.com/

Purchase KT’s book- The Hardworking Woman’s Guide to Money

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• 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 tracking every dollar

“It’s time to take inventory and see where all the bodies are buried. Who owes what. How much does it cost? How much are you paying in interest? How much is your take-home pay really?” – KTClick here to reach KT

See KT’s interview on C-Suite Network’s Best Seller TV

Connect with KT Thomas: http://ktsmoneymatters.com/

Purchase KT’s book- The Hardworking Woman’s Guide to Money

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Going through the financial “Junk Drawer”How “financial life” slows down in the springTaking a “minimalist” look at your financesKey Takeaways:

Know how the new tax laws affected youA $2,000 tax refund might be too muchThe simple trick to keep your financial paperwork in orderQuote: “Spring is a time to tidy up your life and make it simpler. The same is true for your money.” – KT

Click here to reach KT

See KT’s interview on C-Suite Network’s Best Seller TV

Connect with KT Thomas: http://ktsmoneymatters.com/

Purchase KT’s book- The Hardworking Woman’s Guide to Money

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The number of franchise opportunities in the United StatesThe advantages of franchisingThe costs of franchising besides capital 

Key Takeaways:

There are many franchising opportunitiesFamily issues could pop up when it comes to sell or wind down the businessBanking and financing relationships are important in franchising 

Quote: “If you can think of a business out here there’s probably a franchisor that would like you to come and be a part of their system.” – Brent Hillerich

Visit the Crescent Franchise Solutions website or text Franchise to 66866 for more information.

Click here to reach KT

See KT’s interview on C-Suite Network’s Best Seller TV

Connect with KT Thomas: http://ktsmoneymatters.com/

Purchase KT’s book- The Hardworking Woman’s Guide to Money

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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 Trillion in assets 

Quote: “Why is it important for women to be good at money? It’s important because 80% of women will die alone.” – KT

Click here to reach KT

See KT’s interview on C-Suite Network’s Best Seller TV

Connect with KT Thomas: http://ktsmoneymatters.com/

Purchase KT’s book- The Hardworking Woman’s Guide to Money

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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% Factor in the balance transfer fee  

Quote: 

“With every yin, there’s a yang. Someone offering something slightly different for you to try to figure out.” – KT 

Click here to reach KT 

See KT’s interview on C-Suite Network’s Best Seller TV 

Connect with KT Thomas: http://ktsmoneymatters.com/ 

Purchase KT’s book- The Hardworking Woman’s Guide to Money 

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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 Keepers” Quote: 

“We’re going to take 7-8 pages of information and try to consolidate a checklist of what you need to know before buying your next car.” – KT

Click here to reach KT

See KT’s interview on C-Suite Network’s Best Seller TV

Connect with KT Thomas: http://ktsmoneymatters.com/

Purchase KT’s book- The Hardworking Woman’s Guide to Money 

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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 to track your money  

Quote:

“Debt is an American pastime.” – KT

Click here to reach KT

See KT’s interview on C-Suite Network’s Best Seller TV

Connect with KT Thomas: http://ktsmoneymatters.com/

Purchase KT’s book- The Hardworking Woman’s Guide to Money 

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American students are $1.5 Trillion in debtMost loans are due six months after graduationPaying them back is a challenge for people starting their careersKey Takeaways:

The difference between subsidized vs. unsubsidized loansWhat you need to know about forbearanceHow parents can help students pay off loans while in schoolKnow your repayment options, including forgivenessQuote: “You are either going to earn your way out of (student loan debt) or it will stalk you for the rest of your life.” - KT 

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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 Special Needs Trusts and Able Accounts have distinct advantages ABLE Accounts are more cost-effective, good for care expenses Special Needs Trust are a good long-term solution Resources: 

http://www.ablenrc.org/ https://www.autismspeaks.org/ Quote: 

“All parents know if you have a child with a disability it is tricky and it's expensive. It’s really important to understand there are great tools available.”  - KT

Click here to reach KT 

See KT’s interview on C-Suite Network’s Best Seller TV 

Connect with KT Thomas: http://ktsmoneymatters.com/ 

Purchase KT’s book- The Hardworking Woman’s Guide to Money 

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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 baristas makeQuote: “[Money] that goes down this path is money that could be used for anything else you might need to accomplish financially.” - KT

Click here to reach KT

See KT’s interview on C-Suite Network’s Best Seller TV

Connect with KT Thomas: http://ktsmoneymatters.com/

Purchase KT’s book- The Hardworking Woman’s Guide to Money

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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 their cybersecurity costs to youEasy password creation tips 

Quote: “Cybersecurity and doing a good job managing it is expensive.” - KT

Click here to reach KT 

See KT’s interview on C-Suite Network’s Best Seller TV

Connect with KT Thomas: http://ktsmoneymatters.com/

Purchase KT’s book- The Hardworking Woman’s Guide to Money 

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- 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 necessary 

- Know your audience 

- Always strive to do better and be better 

"The first day you say you're 'all that' is the first day of your demise." — Mike Ramshaw   

"What am I willing to do to get the work that I want--do the work that moves me?" — KT Thomas 

Click here to reach KT  

See KT's interview on C-Suite Network's Best Seller TV  

Connect with KT Thomas: http://ktsmoneymatters.com/ 

Purchase KT's book- The Hardworking Woman's Guide to Money  

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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 costKey Takeaways:

Sometimes it pays to pay a little extraBundling is the keyDon’t fall for the all the extra add-onsWhy Tuesdays and Saturdays matter when travelingClick here to reach KT 

See KT’s interview on C-Suite Network’s Best Seller TV

Connect with KT Thomas: http://ktsmoneymatters.com/

Purchase KT’s book- The Hardworking Woman’s Guide to Money 

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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 numbers mean to you, not just what the numbers are.Freezing, then unfreezing, your credit isn’t as difficult as people make it seem.Premium gas versus regular unleaded gas.If you can’t afford the 4-year car loan, you probably can’t afford the car. 

"Sometimes it’s just small changes that you make along the way that can actually drive the biggest change. " — KT Thomas

Click here to reach KT

See KT's interview on C-Suite Network's Best Seller TV

Connect with KT Thomas: http://ktsmoneymatters.com/

Purchase KT's book- The Hardworking Woman's Guide to Money

Show Notes by Podcastologist: Chelsea Taylor-Sturkie

Audio production by Turnkey Podcast Productions. You're the expert. Your podcast will prove it.

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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 executing a plan – either personal or business – with specific, measurable goals. 

Key Takeaways:

Having a drive and a supportive team behind you will lead you to success.It’s better to be on the bottom of the right ladder, then the middle of the wrong ladder.You may be in a rut, but you aren’t stuck. There are opportunities, you may just need someone to help you get your wheels spinning.Commit to the habit of business development.Go for the thing that will change your tomorrows for the positive. 

"I realized nobody’s going to move me forward, I actually have to do something. I have to make a change." — Tammy Symons

Click here to reach KT

See KT's interview on C-Suite Network's Best Seller TV

Connect with KT Thomas: http://ktsmoneymatters.com/

Purchase KT's book- The Hardworking Woman's Guide to Money

Show Notes by Podcastologist: Chelsea Taylor-Sturkie

Audio production by Turnkey Podcast Productions. You're the expert. Your podcast will prove it.

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        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 non-profit and investing in your community in a sustainable way.   

Key Takeaways:

        Taking care of your mind, body and spirit keeps you focused, especially in a career you love.         Having an adventurous spirit when going out into our lives makes us more open to opportunities.          It’s important for women to highlight their aspirations and successes to set examples for younger women.         Look at your community and invest in the areas where you can make a difference."An adventure spirit can be infused in every decision we make in our lives." — Jennifer D 

Connect with Jennifer D:

Instagram: @wildadventurouslife   

Facebook: @wildadventurouslife   

Website: www.wildadventurouslife.com

Click here to reach KT   

See KT's interview on C-Suite Network's Best Seller TV

Connect with KT Thomas: http://ktsmoneymatters.com/

Purchase KT's book- The Hardworking Woman's Guide to Money

Show Notes by Podcastologist: Laura Gray 

Audio production by Turnkey Podcast Productions. You're the expert. Your podcast will prove it. 

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         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 willing to fail – if you don’t try it, you will never succeed.         You learn more from your failures than you do from your successes.         Get as much feedback as possible at all stages of your start up.         Money is more than green."I really believe in entrepreneurship and I feel like it’s the future of our country." — Karil Reibold

Connect with Karil Reibold:

LinkedIn: Karil Reibold

Click here to reach KT

See KT's interview on C-Suite Network's Best Seller TV

Connect with KT Thomas: http://ktsmoneymatters.com/

Purchase KT's book- The Hardworking Woman's Guide to Money

Show Notes by Podcastologist: Chelsea Taylor-Sturkie

Audio production by Turnkey Podcast Productions. You're the expert. Your podcast will prove it.

Learn more about your ad choices. Visit megaphone.fm/adchoices

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 your mail when you have time to read it, then read it.Take proper care in disposing of your mail.Use phrases that make sense to you as your password – but don’t use the same password for everything.Don’t click on links in emails asking for personal information. Go on the website itself and check there."Keep a checklist of bills and when they are due.”— KT Thomas

Click here to reach KT

See KT's interview on C-Suite Network's Best Seller TV

Connect with KT Thomas: http://ktsmoneymatters.com/

Purchase KT's book- The Hardworking Woman's Guide to Money

Show Notes by Podcastologist: Chelsea Taylor-Sturkie

Audio production by Turnkey Podcast Productions. You're the expert. Your podcast will prove it.

Learn more about your ad choices. Visit megaphone.fm/adchoices

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 research ahead of time instead of winging it on your trip. 

Key Takeaways:

Don’t just assume the season pass is the best option, especially if you will only be going once or twice during the year.Buy your season passes early, you will often get additional benefits.Consider packing your food to save money on meals.Make your trip fit your financial life – set the money aside as part of your budget. 

"Plan ahead of time, think about it the spring prior, and you can save a ton of money and guarantee a fun winter.”  — Tammy Symons

Connect with Tammy Symons:

Website: www.newdaysolutions.com

Email: tammy@newdailysolutions.com

Phone: 603-758-1101

Click here to reach KT

See KT's interview on C-Suite Network's Best Seller TV

Connect with KT Thomas: http://ktsmoneymatters.com/

Purchase KT's book- The Hardworking Woman's Guide to Money

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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:

Buying low and selling high will not always make you money.Money you need now should be invested differently than money you need for retirement several years down the line.Good, professional investors are wrong about 30% of the time – you’re going to buy some things that don’t work out.Fear makes people hurt more than greed. 

"Keep in check with your overall visions." — Tammy Symons

Connect with Tammy Symons:

Website: www.newdaysolutions.com

Email: tammy@newdailysolutions.com

Phone: 603-758-1101

Click here to reach KT  

See KT's interview on C-Suite Network's Best Seller TV

Connect with KT Thomas: http://ktsmoneymatters.com/

Purchase KT's book- The Hardworking Woman's Guide to Money 

Learn more about your ad choices. Visit megaphone.fm/adchoices

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 why.Key Takeaways:

Sometimes things fall apart, and if you’re not careful, you can fall apart too.Don’t get too far ahead of yourself financially.People tend to spend more money in the first few years of retirement than they did when they workedThere’s nothing wrong with living lean with no debt and saving like crazy, but early retirement doesn’t have to be the end goal of financial independence. 

"Ask yourself, if you were 50 and you weren’t working, what would you do?" — KT Thomas

Click here to reach KT 

See KT’s interview on C-Suite Network’s Best Seller TV

Connect with KT Thomas: http://ktsmoneymatters.com/

Purchase KT’s book- The Hardworking Woman’s Guide to Money 

Show Notes by Podcastologist: Chelsea Taylor-Sturkie

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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 score.Key Takeaways:

What type of a shopper are you? A grinder or a loyal shopper?If you are a hassle, your customer value score will decrease.Nobody knows what the algorithm is for the customer value score for any particular company.It’s not just about what the company values, it’s also about what you value."When the day is done what you want to decide is what do you value?" — KT Thomas

Click here to reach KT

See KT's interview on C-Suite Network's Best Seller TV

Connect with KT Thomas: http://ktsmoneymatters.com/

Purchase KT's book- The Hardworking Woman's Guide to Money

Show Notes by Podcastologist: Chelsea Taylor-Sturkie

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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 advantage.Being thoughtful about one-off decisions and discretionary funds.Key Takeaways:

There’s more to budgeting than making a bunch of money.Pick your goal for your budget first, you don’t want to create an additional liability in the future.Give yourself room for unexpected expenses in your budget.Budgeting is not a solo effort, it’s a family and relationship effort."Budgeting applies to everyone, no matter how much money you make, where you are as far as your lifestyle goes, or how old you are." — Tammy Symons

Connect with Tammy Symons:

Website: www.newdaysolutions.com

Email: tammy@newdailysolutions.com

Phone: 800-834-2101

Click here to reach KT 

See KT's interview on C-Suite Network's Best Seller TV

Connect with KT Thomas: http://ktsmoneymatters.com/

Purchase KT's book- The Hardworking Woman's Guide to Money 

Show Notes by Podcastologist: Chelsea Taylor-Sturkie

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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 themselves.Key Takeaways:

Plan for what you know you have in front of you and make room for what you want in the future later.Don’t make up a story about how things may go, just get started.Clarity is key – know exactly what it is that you want when going into the negotiation.Be true to you are, you can only hold a façade for so long."Negotiations only work if you go in knowing exactly what it is that you want." — Meg Myers Morgan

Connect with Meg Myers Morgan:

Website: MegMyersMorgan.com

Book: Everything is Negotiable: The 5 Tactics to Get What You Want in Life, Love and Work & Harebrained: It seemed like a good idea at the time

Click here to reach KT 

See KT's interview on C-Suite Network's Best Seller TV

Connect with KT Thomas: http://ktsmoneymatters.com/

Purchase KT's book- The Hardworking Woman's Guide to Money

Show Notes by Podcastologist: Chelsea Taylor-Sturkie

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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 years have changed how people spend money and invest.Things KT sees as potential risks in the future.Key Takeaways:

If you own something that’s worth less than what you paid for, you have two options: stay and pay or write it off and go.Pay attention in the markets and world economy as it can and will affect you and your investments in some way.Almost nobody will see Black Swan Events coming, and most of those that do will discount it until it’s too late. The future is anyone’s guess.The economy is a cycle and it will change."Most Black Swans have an essence of greed.” - KT Thomas

Click here to reach KT 

See KT's interview on C-Suite Network's Best Seller TV

Connect with KT Thomas: http://ktsmoneymatters.com/

Purchase KT's book- The Hardworking Woman's Guide to Money 

Show Notes by Podcastologist: Chelsea Taylor-Sturkie

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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 sure you are handling your money now to give you the best retirement possible.Key Takeaways:

People that make a lot of money tend to be better savers, but they also continue to be a bigger spender.Start saving now and start increasing what you save each year.Increase your saving percentage by 2% each year until it is a good amount.If you are young, get the time value of money on your side.“We are coming up to open enrollment season, this may be the year for you to decide that you’re going to move off the mark." — KT Thomas

Click here to reach KT  

See KT's interview on C-Suite Network's Best Seller TV

Connect with KT Thomas: http://ktsmoneymatters.com/

Purchase KT's book- The Hardworking Woman's Guide to Money 

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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 and how it is changing now.The pros and cons of some of the ways in which you can use your investments to pay/pay off your mortgage.Key Takeaways:

There is no one size fits all answer to financial questions regarding your home.Going into retirement with no major financial obligations is far more reassuring than having large financial obligations.Pay attention to your interest rates over various debts – The rule of thumb states pay off your highest interest rate first.Don’t take money out of your home to put it into the market."If you have a mortgage right now, this is the lowest mortgage that you are going to have. If you have gotten it over the last 10 years…" — Tammy Symons

Connect with Tammy Symons:

Website: www.newdaysolutions.com

Email: tammy@newdailysolutions.com

Phone: 603-758-1101

Click here to reach KT  

See KT's interview on C-Suite Network's Best Seller TV

Connect with KT Thomas: http://ktsmoneymatters.com/

Purchase KT's book- The Hardworking Woman's Guide to Money 

Learn more about your ad choices. Visit megaphone.fm/adchoices

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 of New Hampshire grew and how it has changed since it’s originally start up.Ways to get involved with CASA of New Hampshire. 

Key Takeaways:

Surround yourself with people who have some of the expertise that you don’t have and be willing to rely on them.We can’t change the past, but we can make the future better.Fundraising and sales are similar – you do better if you believe in your cause.It’s about building relationships in everything that we do. 

"We grew slowly, and we grew carefully. We were always reflecting back on, and evaluating, how we were doing what we were doing, so that we could constantly be improving our service delivery to the courts and to the children that we serve." — Marty Sink

Connect with Marty Sink:

Website: casanh.org

Email: speakup@casanh.org

Click here to reach KT 

See KT's interview on C-Suite Network's Best Seller TV

Connect with KT Thomas: http://ktsmoneymatters.com/

Purchase KT's book- The Hardworking Woman's Guide to Money 

Learn more about your ad choices. Visit megaphone.fm/adchoices

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 involved in charities.Creating a new way, a new form, of giving that can be done at your level.Key Takeaways:

The Coin Up App is spare change in a jar gone digital and going to charity.The donor has control of the donation, gets credit for it, and gets to see the impact of what they are doing.This is a personal way that you can direct your social capital to a cause that means something to you.We can support these non-profits to allow them to execute their mission. With everyone giving a little, we can help support the non-profits a lot."Just sign up once and forget about it. You’re giving on a regular basis and the charity is being able to rely on a monthly, recurring revenue which they haven’t been able to do before, in most cases." — Leena Patidar

Connect with Leena Patidar:

Twitter: @CoinUpApp

Website: www.coinupapp.com

LinkedIn: Leena Patidar

Click here to reach KT  

See KT's interview on C-Suite Network's Best Seller TV

Connect with KT Thomas: http://ktsmoneymatters.com/

Purchase KT's book- The Hardworking Woman's Guide to Money 

Learn more about your ad choices. Visit megaphone.fm/adchoices

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 image.Managing your image for long-term, not just today. Think about where you want to be, then present yourself as that now with your appearance and communication skills.Key Takeaways:

There are three things you have to consider: what do you want to be known for, if others really perceive you the way you want to be known, what does the brand I work for/represent want to be known for?The more money (or children) involved, the more trustworthy they want you to look.Shop cheap, shop expensive, shop smart. Shop cheap/affordable for the trends. Shop expensive for investment pieces to show you are able to finance them and invest in yourself so you can invest in your clients. Shop smart – invest in your wardrobe out of season and use the internet to your advantage.You are the most important person in your life and your career. Be willing to invest in yourself, make smart decisions, but remember, looking good is not enough. You have to follow up with your behavior and communication."I encourage you to invest in yourself because you are the most important human being in your life. Show yourself some respect and be willing to invest in yourself. " — Sylvie di Giusto

Connect with Sylvie di Giusto:

Twitter: @SylviediGiusto

Website: www.executive-image-consulting.com & www.howyouimpress.com & theimageofleadership.com

Book: The Image of Leadership: How leaders package themselves to stand out for the right reasons

LinkedIn: Sylvie di Giusto

Show References:

www.ShopStyle.com

Click here to reach KT 

See KT's interview on C-Suite Network's Best Seller TV

Connect with KT Thomas: http://ktsmoneymatters.com/

Purchase KT's book- The Hardworking Woman's Guide to Money 

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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 effecting the markets this year.Key Takeaways:

71% of the S&P500 return was generated from only 4 companies – Amazon, Microsoft, Apple, Netflix.Staying in stocks is not the same as buying stocks.September and October tend to be the worst months on average most years.Be careful about frequent round-trippers – those that buy back and sell over and over again, as it can change the price of your stocks often. 

"Don’t get too caught up in the idea of loving one company or one part of the market. These sectors come in and out of style over the course of the year." — KT Thomas

Referenced: The Motley Fool

Click here to reach KT  

See KT's interview on C-Suite Network's Best Seller TV

Connect with KT Thomas: http://ktsmoneymatters.com/

Purchase KT's book- The Hardworking Woman's Guide to Money 

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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 the doors of communication open regarding these topics. 

Key Takeaways:

Having a positive mindset can influence all aspects of your life, personally and professionally.Think about networks as a movement possibility, not just a connection group.Networks should be collaborative, not competing against each other. People are identifying as more and more things and we don’t want to isolate them as a singular thing.No one group can make the changes insularly. We all need to work together to make the changes that we want to see in the business world. 

"You’ve got to have a tribe. You’ve got to have a team of people, both women and men, that you can drive as allies, that are also going to work for that common purpose and also have influence in different aspects of the company." — Joan Kuhl

Connect with Joan Kuhl:

Website:  whymillenialsmatter.com & thekuhlco.com

Email:  joan@thekuhlco.com

Book: Dig Your Heels In: Navigate Corporate BS and Build the Company You Deserve

Click here to reach KT  

See KT's interview on C-Suite Network's Best Seller TV

Connect with KT Thomas: http://ktsmoneymatters.com/

Purchase KT's book- The Hardworking Woman's Guide to Money 

Learn more about your ad choices. Visit megaphone.fm/adchoices

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 ideaWays to figure out if the partnership is actually working – to know if it’s a good partnershipKey Takeaways: 

The key to a good partnership is understandingHave the uncomfortable conversations early onDiscuss The 4 D’s: death, disability, divorce, disagreementDo your due diligence up front, build it the right way. 

"You don’t want to agree to agree in the future. That’s where the problems come in." — R. Shawn McBride

Connect with Shawn:

Twitter: @McBrideForBus

Website: mcbrideforbusiness.com

Website: planningdoneright.com

Book: Business Blunders!: 10 Dangerous Business Mistakes and How to Protect Your Business So It Can Thrive!

Book: It’s About Time: How to Do More of What Matters in the Time You Have

LinkedIn: www.linkedin.com/in/rshawnmcbride

Click here to reach KT   

See KT's interview on C-Suite Network's Best Seller TV

Connect with KT Thomas: http://ktsmoneymatters.com/ 

Purchase KT's book- The Hardworking Woman's Guide to Money 

Learn more about your ad choices. Visit megaphone.fm/adchoices

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 of your time on the things you find the most interestingKnowing yourself, what you like, and what you don’t like is crucial. It allows you to assess your priorities and your own hierarchy of importance.Key Takeaways: 

You always want to work on people’s strengths, including your ownIf you’re miserable, you’re not serving yourself or anyone elseMake sure you know how to do the tasks, even if you are having someone else do itAsk yourself, what needs to get done today and look at your priorities every day. Once a year, check back and see what worked, what didn’t, and what needs to be let go of."If you want to be successful, you have to do the work." — Julie Ann Sullivan

Connect with Julie Ann: 

Twitter:   @JASatLNE

Website: http://julieannsullivan.com 

Podcast: Business that Care Podcast 

Book: Blueprint for Employee Engagement: 37 Essential Elements to Influence, Innovate & Inspire

LinkedIn: https://www.linkedin.com/in/julieannsullivan 

Your Corporate Podcast: Internal podcasting for clear, concise and consistent messaging - https://julieannsullivan.com/your-corporate-podcast/ 

Inspired Leadership Coaching: https://julieannsullivan.com/inspired-leadership-coaching/ 

Click here to reach KT   

See KT's interview on C-Suite Network's Best Seller TV

Connect with KT Thomas: https://ktsmoneymatters.com/ 

Purchase KT's book- The Hardworking Woman's Guide to Money 

Learn more about your ad choices. Visit megaphone.fm/adchoices

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 about being sued. 

Key Takeaways:

Your agent should always be checking to make sure you are on the right plan.Look at quote differences and decide if you're willing to pay the difference for higher coverage.Your agent should be more like your partner.Every carrier is very different."People who want to have better coverage have fewer claims because they're more cautious and therefore, are less risky and so their premiums are lower." — Lisa Keslar

Connect with Lisa Keslar:

Twitter:  keslarinsurance

Website:  http://www.keslarinsurance.com

Email:  lisakeslar@keslarinsurance.com

LinkedIn: www.linkedin.com/in/lisakeslar

Click here to reach KT  

See KT's interview on C-Suite Network's Best Seller TV

Connect with KT Thomas: https://ktsmoneymatters.com/

Purchase KT's book- The Hardworking Woman's Guide to Money 

Learn more about your ad choices. Visit megaphone.fm/adchoices

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 and Medical Leave Act. 

Key Takeaways:

The The Family and Medical Leave Act is not a paid leave, but it does protect your position, although this does change depending on your company/state.You can take up to twelve weeks in a twelve-month time period to use a medical leave.Understanding what is considered cash reserve. If you cannot easily convert it to cash, it is not cash reserve.The cheaper the insurance policy, the less likely it will protect you. 

"If your employer does not have a paid medical leave option then, it is important to know what they do offer." — Tammy Symons 

Connect with Tammy Symons: 

Website:  www.newdaysolutions.com

Phone: 800-834-2101

Email:  tammy@newdailysolutions.com

Click here to reach KT   

See KT's interview on C-Suite Network's Best Seller TV

Connect with KT Thomas: https://ktsmoneymatters.com/ 

Purchase KT's book- The Hardworking Woman's Guide to Money  

Learn more about your ad choices. Visit megaphone.fm/adchoices

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 a dollar amount of what you're willing to spend before shopping.You can help teach your kids about money through back to school shopping.Set goals and write them down so that you can accomplish the goal.Break down what's important to you and your child so you can set priorities."If you just plug through life then, you don't go anywhere." — Tammy Symons

Connect with Tammy Symons:

Website:  www.newdaysolutions.com

Email:  tammy@newdailysolutions.com

Click here to reach KT  

See KT's interview on C-Suite Network's Best Seller TV

Connect with KT Thomas: https://ktsmoneymatters.com/

Purchase KT's book- The Hardworking Woman's Guide to Money 

Learn more about your ad choices. Visit megaphone.fm/adchoices

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 being sued. 

Key Takeaways:

Your agent should always be checking to make sure you are on the right plan.Look at quote differences and decide if you're willing to pay the difference for higher coverage.Your agent should be more like your partner.Every carrier is very different. 

"People who want to have better coverage have less claims because they're more cautious and therefore, are less risky and so their premiums are lower." — Lisa Keslar

Connect with Lisa Keslar:

Twitter:  @keslarinsurance 

Website:  http://www.keslarinsurance.com

Email:  lisakeslar@keslarinsurance.com

LinkedIn: www.linkedin.com/in/lisakeslar

Click here to reach KT  

See KT's interview on C-Suite Network's Best Seller TV

Connect with KT Thomas: https://ktsmoneymatters.com/

Purchase KT's book- The Hardworking Woman's Guide to Money

Learn more about your ad choices. Visit megaphone.fm/adchoices

Learn more about your ad choices. Visit megaphone.fm/adchoices

Learn more about your ad choices. Visit megaphone.fm/adchoices

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 have to know what's going on with interest ratesSee how your home fits in with your future plansDon't look at homes that are over your budgetEverything is based off of debt to income ratios"Look at the numbers first. Then you can make the decision with your head, before you go make it with your heart." — Jay Healy

Connect with Jay Healy:

Twitter:  @BlueWaterMtg

Website:  https://bluewatermtg.com/

Email:  jay@bluewatermtg.com

LinkedIn: https://www.linkedin.com/company/blue-water-mortgage-corporation/

Click here to reach KT  

See KT's interview on C-Suite Network's Best Seller TV

Connect with KT Thomas: https://ktsmoneymatters.com/

Purchase KT's book- The Hardworking Woman's Guide to Money 

Learn more about your ad choices. Visit megaphone.fm/adchoices

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 decisionsself-actualizationKey Takeaways:

Listen to your gutDon't jump into something without being preparedYou put ceilings on yourselves, and it's unnecessaryYou have to learn to love yourself, instead of using shame"You've got to really spend some time and energy into yourself." — Julie Reisler

Go to http://juliereisler.com/journal/ for a free Get a PhD in YOU Companion Journal.

Get Julie's book Get a PhD in YOU on Amazon.com

Connect with Julie Reisler:

Twitter:  @juliereisler

Website: http://juliereisler.com 

Email:  juliereisler@gmail.com

Book: https://amzn.to/2LGOmq5

LinkedIn: https://www.linkedin.com/in/juliereisler/

Click here to reach KT  

See KT's interview on C-Suite Network's Best Seller TV

Connect with KT Thomas: https://ktsmoneymatters.com/

Purchase KT's book- The Hardworking Woman's Guide to Money 

Learn more about your ad choices. Visit megaphone.fm/adchoices

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 BEducate yourselves on your options for your houseReal estate prices constantly changeInclude everyone in the discussion when considering a reverse mortgage"There's a difference between wanting to work, and having to work." — Sue Haviland

Connect with Sue Haviland:

Twitter:  @liveitdontlimit

Email:  shaviland@earthlink.net

LinkedIn: ttps://www.linkedin.com/in/suehaviland/

Click here to reach KT  

See KT's interview on C-Suite Network's Best Seller TV

Connect with KT Thomas: https://ktsmoneymatters.com/

Purchase KT's book- The Hardworking Woman's Guide to Money 

Learn more about your ad choices. Visit megaphone.fm/adchoices

Key Takeaways:Just do it Do what you can to gain control of your own destiny Don't hold onto things Branding is figuring out what you want your customers to think of you    "I need to be in control of my own destiny." — Deb Gabor   Connect with Deb Gabor: Twitter:  @deb_sol Website:  http://www.brandingissex.com Email:  deb@solmarketing.com LinkedIn: https://www.linkedin.com/in/dgabor/  Click here to reach KT    See KT's interview on C-Suite Network's Best Seller TV Connect with KT Thomas: https://ktsmoneymatters.com/ Purchase KT's book: The Hardworking Woman's Guide to Money

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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 out there kids financiallyKey Takeaways:

Be honest, real, and authenticDon't just look to othersDon't think of only short term fixesLove and support your teenagers but, make them earn some of their own money 

"Making your way in the world and growing up is about learning how to take care of yourself." — Christina Martini

Connect with Christina Martini:

Twitter:  @TinaMartini10

Website:  http://www.paradigmshiftshow.com

Email:  christinamartini.paradigmshift@gmail.com

Click here to reach KT  

See KT's interview on C-Suite Network's Best Seller TV

Connect with KT Thomas: https://ktsmoneymatters.com/

Purchase KT's book- The Hardworking Woman's Guide to Money 

Learn more about your ad choices. Visit megaphone.fm/adchoices

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 first steps?How do you avoid the lifestyle creep?What helped Tina be so successful?Key Takeaways:

If you are developing something it is a good idea to reach out to an attorney early.Attorneys can help you map out when you need to protect yourself, how much it will be and what is the most cost effect way to protect yourself.Make sure you always live within your means. Don't spend more just because you make more money. 

"Attorneys will help you figure out if you really are the first person to develop it or if you are infringing somebody else." — Christina Martini

Connect with Christina Martini:

Twitter:  @TinaMartini10

Website:  http://www.paradigmshiftshow.com

Email:  christinamartini.paradigmshift@gmail.com

Click here to reach KT 

 See KT's interview on C-Suite Network's Best Seller TV

Connect with KT Thomas: https://ktsmoneymatters.com/

Purchase KT's book- The Hardworking Woman's Guide to Money 

Learn more about your ad choices. Visit megaphone.fm/adchoices

Learn more about your ad choices. Visit megaphone.fm/adchoices

Learn more about your ad choices. Visit megaphone.fm/adchoices

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 evolve firstDon't only lead when it's convenientIf your mentor constantly makes you feel bad about yourself, you have the wrong mentorInvest to train your employees 

"I think mentors are critical in giving you different perspectives, and I think everyone needs them." — Jon Dwoskin 

Connect with Jon Dwoskin: 

Twitter:   @jdwoskin  

Website:   www.jondwoskin.com

Email:   jon@jondwoskin.com

Click here to reach KT   

Connect with KT Thomas: https://ktsmoneymatters.com/ 

Purchase KT's book- The Hardworking Woman's Guide to Money  

Learn more about your ad choices. Visit megaphone.fm/adchoices

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 life needsKnow how much your life will change after retirementGet a quote on your life and health insurance 

Click here to reach KT  

Connect with KT Thomas: https://ktsmoneymatters.com/

Purchase KT's book- The Hardworking Woman's Guide to Money 

Learn more about your ad choices. Visit megaphone.fm/adchoices

Learn more about your ad choices. Visit megaphone.fm/adchoices

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 opaqueYou need to implement annual things that will help control spending throughout the yearDon't go way over or way under on your taxesSave for your kids college nowClick here to reach KT  

Connect with KT Thomas: https://ktsmoneymatters.com/

Purchase KT's book- The Hardworking Woman's Guide to Money 

Learn more about your ad choices. Visit megaphone.fm/adchoices

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 great at leading peopleKey Takeaways: 

You need to decide if you can be an entrepreneur by yourself, or if you need a business partnerCompanies need to get a coach to shake them up and get them movingIt is easier to start a company and compete with others than ever beforeIf you go through your whole life playing not to lose, at some point you'll regret i 

"A lack of consistency is a big place where people begin to fall short." — Jon Dwoskin 

Connect with Jon Dwoskin: 

Twitter:   @jdwoskin  

Website:   www.jondwoskin.com

Email:   jon@jondwoskin.com 

Click here to reach KT   

Connect with KT Thomas: https://ktsmoneymatters.com/ 

Purchase KT's book- The Hardworking Woman's Guide to Money 

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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 loans as quick as possibleIf you want to always be a stay at home parent, you must save earlyFinancial advisors are very valuable 

Click here to reach KT 

Connect with KT Thomas: https://ktsmoneymatters.com/

Purchase KT's book- The Hardworking Woman's Guide to Money 

Learn more about your ad choices. Visit megaphone.fm/adchoices

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 know whose name is on current loans, any debt, insurance, etc.The initial task after someone passes away is to seek financial advice from a professionalTake loved ones with you when you go to the funeral home to make big decisionsTake a good inventory of everything that the deceased had — reach out to his/her financial planner — and use that information to make informed financial decisions"When you're grieving, you're not yourself… and you can't really think things through." — KT Thomas

Connect with Tammy Symons, CFP:

Website: www.newdaysolutions.com

Email: tammy@newdailysolutions.com

Phone: 800-834-2101

Click here to reach KT  

Connect with KT Thomas: https://ktsmoneymatters.com/

Purchase KT's book- The Hardworking Woman's Guide to Money 

Learn more about your ad choices. Visit megaphone.fm/adchoices

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 important.Key Takeaways:

There are so many resources available todayStart establishing your credit and you "Stable Person  Value"Can you afford to buy a house now? You need to have 3 months of living expenses saved up first.www.bankrate.com 

  "It's really hard when you don't have a lot of credit, if that goes bad then all you have is bad credit and it will follow you for years." — KT Thomas

Click here to reach KT  

Connect with KT Thomas: https://ktsmoneymatters.com/

Purchase KT's book- The Hardworking Woman's Guide to Money 

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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 and understanding what that is, is a great first stepSometimes, the beauty of going through a divorce is you having the ability to make and craft your own retirement goalsGet rid of joint credit cards ASAPMake sure you understand what the divorce agreement states… keep an eye on your beneficiaries for your life insurance, your retirement accounts etc. 

"There are going to be changes in earned income as well as expenses paying out child care… those changes are most likely going to happen and you need to account for what those changes are going to be." — Tammy Symons

Connect with Tammy Symons, CFP:

Website: www.newdaysolutions.com

Email: tammy@newdailysolutions.com

Phone: 800-834-2101

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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 - because your grocery bill, clothing bill and much more is going to changeIf the parent leaving the workforce has the health insurance under his/her group policy, that needs to be addressedIt's important to start saving for college as early as possibleIf you started saving $100/month when your child is first born, you could end up with about $38,000 when your child attends college… if you wait until he/she is 4, you'll end up with $26,000… If you wait until he/she is 10, you'll end up with about $12,000"The US Department of Agriculture came out with a study based on 2015 numbers, saying that the average kid from cradle to college costs between $175,000 - $375,000." - KT Thomas

Connect with Tammy Symons, CFP:

Website: www.newdaysolutions.com

Email: tammy@newdailysolutions.com

Phone: 800-834-2101

Click here to reach KT  

Connect with KT Thomas: https://ktsmoneymatters.com/

Purchase KT's book- The Hardworking Woman's Guide to Money 

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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 thinking about buying a house, think now vs. two years from now." - KT Thomas

Real Estate Numbers- realtor.com

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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 that you give your business a strong financial foundationMost banks will allow you to start out with a simple account and upgrade it as your business growsWhen you write a check, you've got to have those funds ready and available in your account at the time you cut the checkWhen you're considering a business line of credit, your bank will ask you questions like "Why do you need this line of credit and when will you draw on it?""Just like personal accounts, there are a huge amount of options out there for businesses." - Rachael Ela

About Rachael Ela:  Rachael Ela is the Vice President and Branch Manager of Optima Bank & Trust, working in the Stratham, NH market. She has over 18 years of banking experience and has spent the last seven in the New Hampshire market working with local business owners, municipalities, and nonprofits. Rachael currently serves as Chairwoman of the Exeter Area Chamber of Commerce, a board member of the Exeter Society of St. Vincent de Paul Community Assistance Center and is a Past President and Paul Harris Fellow of the Exeter Rotary Club. She is a graduate of the New England School of Financial Studies at Babson College and resides in Exeter.

Reach Rachael Ela:

Business: Optima Bank & Trust

Website: www.optimabank.com

Reach KT Thomas:

Website: https://ktsmoneymatters.com/

Purchase KT's book- The Hardworking Woman's Guide to Money

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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 because they hope to come backBe a little forceful in cancelling your membership"They do everything they can to keep you paying. And pay we do." - KT Thomas

Connect with KT Thomas: https://ktsmoneymatters.com/

Purchase KT's book- The Hardworking Woman's Guide to Money

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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 tracking totaled to 7.4 billion dollars spent)If you're writing a check or making a payment, you need to have that money in your account at the time of the paymentOverdraft protection is a credit line — it's something that automatically sweeps over when you need itIt's important to look at your accounts/statements and see if you're using your accounts properly 

"The financial system, in general, moves a lot faster than it used to last year, five years ago, and definitely twenty years ago." - Rachael Ela

About Rachael Ela:  Rachael Ela is the Vice President and Branch Manager of Optima Bank & Trust, working in the Stratham, NH market. She has over 18 years of banking experience and has spent the last seven in the New Hampshire market working with local business owners, municipalities, and nonprofits. Rachael currently serves as Chairwoman of the Exeter Area Chamber of Commerce, a board member of the Exeter Society of St. Vincent de Paul Community Assistance Center and is a Past President and Paul Harris Fellow of the Exeter Rotary Club. She is a graduate of the New England School of Financial Studies at Babson College and resides in Exeter.

Reach Me Here: Rachael Ela

Business: Optima Bank & Trust

Website: www.optimabank.com

Reach Me Here: KT Thomas

Connect with KT Thomas: https://ktsmoneymatters.com/

Purchase KT's book- The Hardworking Woman's Guide to Money

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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 consumers are not willing to pay more for clothing which tends to enable the negative side of a tariffThe average hourly wage of a worker has been fairly flat on an inflation adjusted basis for the past 8 years"The most hurt consumer in a tariff war is the middle class.. Because they shop in the stores that carry the most stuff that's brought in from around the world." - KT Thomas

Reach Me Here: KT Thomas

Connect with KT Thomas: https://ktsmoneymatters.com/

Purchase KT's book- The Hardworking Woman's Guide to Money

Learn more about your ad choices. Visit megaphone.fm/adchoices

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 your parents start to do things out of the ordinaryLook at your parents' statement or get access to their online bankYou don't need to take over your parents' accountsWhen you notice a change, start having a conversation with them"Getting online access to your parents bank while your parents get the paper statements is a great way to monitor their account." - Rachael Ela

About Rachael Ela:  Rachael Ela is a Vice President and Branch Manager of Optima Bank & Trust, working in the Stratham, NH market. She has over 18 years of banking experience and has spent the last seven in the New Hampshire market working with local business owners, municipalities, and nonprofits. Rachael currently serves as Chairwoman of the Exeter Area Chamber of Commerce, a board member of the Exeter Society of St. Vincent de Paul Community Assistance Center, and is a Past President and Paul Harris Fellow of the Exeter Rotary Club. She is a graduate of the New England School of Financial Studies at Babson College and resides in Exeter.

Reach Me Here: Rachael Ela

Business: Optima Bank & Trust

Website: www.optimabank.com

Reach Me Here: KT Thomas

Connect with KT Thomas: https://ktsmoneymatters.com/

Purchase KT's book- The Hardworking Woman's Guide to Money

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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 when they are older than 75"When you are by yourself it’s a lot more difficult." - KT Thomas

Connect with KT Thomas: https://ktsmoneymatters.com/

Purchase KT's book- The Hardworking Woman's Guide to Money

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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 at my highest and best right now?" - Karen Briscoe

About Karen Briscoe: Karen Briscoe is the creator of the transformative "5 Minute Success" concept. Her books Real Estate Success in 5 Minutes a Day: Secrets of a Top Agent Revealed and Commit to Get Leads: 66 Day Challenge® offer a combination of information and inspiration delivered through memorable stories. The daily format with takeaway to get into action propels one to achieve success at a higher level in business and life. Topics include: Commit to Get Leads; Consult to Sell; Connect to Build and Grow; Success Thinking; Activities and Vision; which all lead to the Sweet Spot of Success.

Her first book was featured in INMAN as “must read for your best year in real estate” in 2017. Amazon ranks the book in the top 1% in its category. It has been endorsed by industry leaders Hal Elrod and Michael J. Maher. She is a contributing author to INMAN and Real Trends real estate media outlets.

Karen is the host of the 5 Minute Success podcast which currently ranks on Overcast #1 most recommended in the business category. The show has an amazing array of guests who achieve success at a high level. Karen also is a frequent guest on other podcasts that focus on entrepreneurial, success and motivation, as well as real estate related topics. She speaks on a national and local level on the “Best of 5 Minute Success.” Further she has completed the John Maxwell Team Certification Program for Coaching, Speaking and Training.

Connect with Karen Briscoe:

Website: www.5MinuteSuccess.com

Facebook: https://www.facebook.com/groups/5minutesuccess/

LinkedIn: https://www.linkedin.com/company/11064759/

Twitter: @5MinuteSuccess

Podcast: 5 Minute Success

Connect with KT Thomas: https://ktsmoneymatters.com/

Purchase KT's book- The Hardworking Woman's Guide to Money

Show notes by show producer: Anna Nygren

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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 to invest your money"If you have to finance it, you probably can’t afford it." - KT Thomas

Connect with KT Thomas: https://ktsmoneymatters.com/

Purchase KT's book- The Hardworking Woman's Guide to Money

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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 itemized deductions means a lot of what people think they lost in the tax changes might have been dramatically reduced before the billIf someone is making over $250,000 taxable income (married or joint), they'll be in the 33% bracketThere have been no real changes in capital gains taxes"Those that pay the most under these [tax] changes will save the most… those who pay the least, have the least amount to get back." - KT Thomas

Reach Me Here: KT Thomas

Connect with KT Thomas: https://ktsmoneymatters.com/

Purchase KT's book- The Hardworking Woman's Guide to Money

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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 defending the priceBy the time you like the look of something in the market, usually the price has gone byFor investments, buy things that aren't at their all time high 

"FOMO... People don't want to sell because they don't want to miss the next move up." - KT Thomas

Reach Me Here: KT Thomas

Connect with KT Thomas: https://ktsmoneymatters.com/

Purchase KT's book- The Hardworking Woman's Guide to Money

Learn more about your ad choices. Visit megaphone.fm/adchoices

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 is an entity where the net income passes directly down to the individual tax payerIf you're a single individual and your taxable income falls under $157,500… you can take that 20% deduction off your bottom lineWhat effect is this tax reform going to have on the real estate market?"Corporate tax reform hasn't been done in the is country in many years and as a result a lot of our bigger companies have begun to keep and declare their assets out of the country." - KT Thomas

Reach Me Here: KT Thomas

Connect with KT Thomas: https://ktsmoneymatters.com/

Purchase KT's book- The Hardworking Woman's Guide to Money

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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 you changed your passwords?Don't bury money in your backyard! Put it somewhere safe 

"You shouldn't have piles of bills all over your house." - KT Thomas

Connect with KT Thomas: https://ktsmoneymatters.com/

Purchase KT's book- The Hardworking Woman's Guide to Money

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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 you thinkNot everybody is going to save taxesAlternative minimum taxes is a method on how to calculate your tax liability (state/local taxes and miscellaneous itemized deductions)… it wasn't adjusted along with inflationOnly children under the age of 17 at the end of the tax, qualify for the tax credit 

"This is a very, very complex tax code that has just been introduced to us… so tread lightly." - George Ferullo

Connect with KT Thomas: https://ktsmoneymatters.com/

Twitter: KT Thomas

Purchase KT's book- The Hardworking Woman's Guide to Money

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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" itemsCryptocurrency has long way to go to grow up and begs the question, do we even understand it now?"It could be a long time until BitCoin trades at $20,000 a coin." - KT Thomas

Reach Me Here: KT Thomas

Connect with KT Thomas: https://ktsmoneymatters.com/

Purchase KT's book- The Hardworking Woman's Guide to Money

Show Notes by Show Producer: Anna Nygren

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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 your finances will get split between your spouse and your children

The number one reason why people don't do estate planning is getting over the fact that they might need it

Make sure you understand an attorney's pricing before you meet with them 

Connect with KT Thomas: https://ktsmoneymatters.com/

Purchase KT's book- The Hardworking Woman's Guide to Money

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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 average American car holds 12 gallonsThe fact of the matter is, almost all of us could burn regular unleaded gas with little change 

"Premium gas started with Rockefeller who was the founder of standard oil." - KT Thomas

Connect with KT Thomas: https://ktsmoneymatters.com/

Purchase KT's book- The Hardworking Woman's Guide to Money

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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 designersKey Takeaways:

If you know you're only going to be there for a year or two, don't gut the kitchen if all you want to change is the aestheticPaint goes a long way to making a home feel fresherBefore you even talk to a designer about compensation, you should ask if they use a contract…. You always want a contractAlways know what a designer's hourly rate is and how many hours they think it'll take for them to finish the project 

"Painting the cabinets or putting in new countertops… those simple things increase the resale value of your home." - Melissa Hammond

Connect with Melissa Hammond:

Website: http://hammonddesign.net/

Email: melissa@hammonddesign.net

Phone: 974-474-9149

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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 - changing your passwords often, not answering emails that you're unsure of etc.For a one time cost of $30, you can freeze your credit for as long as you want to 

"I want you to think about protecting your credit like protecting your house." - KT Thomas

Connect with KT Thomas: https://ktsmoneymatters.com/

Purchase KT's book- The Hardworking Woman's Guide to Money

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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 for college, it's completely tax freeIf you don't use the funds for education, there's a 10% penalty (which is completely taxable)Ask yourself, "what are your long term financial goals?" Does a 529 plan fit those needs? 

"529 Plans are great vehicles for people to save for their child's education, their grandchild's or even their own." - Tammy Simmons, CFP

Connect with Tammy Simmons, CFP:

Website: www.newdaysolutions.com

Email: tammy@newdailysolutions.com

Phone: 800-834-2101

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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 investmentsWhen you make an investment, look at the net result to determine the true success of it 

"It's important to know what you're actually making from an investment." - KT Thomas

Connect with KT Thomas: https://ktsmoneymatters.com/

Purchase KT's book- The Hardworking Woman's Guide to Money

Learn more about your ad choices. Visit megaphone.fm/adchoices

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 Cost vs. Value ReportThe most important piece of a renovation job is a realistic timeline/planPaint is a great bang for your buck and can totally change the feel of the roomUntil you know what you're actually going to build, it's going to be hard to get a solid estimate 

"Studies show that more than a third of what we spend, is spent on the home." - KT Thomas

Connect with Melissa Hammond:

Website: http://hammonddesign.net/

Email: melissa@hammonddesign.net

Phone: 974-474-9149

Learn more about your ad choices. Visit megaphone.fm/adchoices

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 productsIf you're the type of person that doesn't like scented things, buying the non-scented "guy" version of the product can save you money 

"A little bit of spending can go a long way." - KT Thomas

Connect with KT Thomas: https://ktsmoneymatters.com/

Purchase KT's book- The Hardworking Woman's Guide to Money

Learn more about your ad choices. Visit megaphone.fm/adchoices

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 certifiedFiduciary means that the financial planner is going to do what's in your best interestCheck with your planner that he/she is outlining all the fees that you're paying for and why they're thereFind a financial planner that can customize his/her services to your needs and check FINRA to make sure your planner is legitimate 

"Well the first thing that you want to know is if the financial planner certified." - KT Thomas

Connect with Tammy Simmons, CFP:

Website: www.newdaysolutions.com

Email: tammy@newdailysolutions.com

Phone: 800-834-2101

Learn more about your ad choices. Visit megaphone.fm/adchoices

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 loan established on your home. It's not your primary mortgage.This line of credit is commonly used for home projects or debt consolidationIn 2018, you lose the ability to write off these interests that you paidAsk yourself, what’s the true expense of what you do and what you save?"Interest on your home equity line of credit WAS tax deductible." - KT Thomas

Connect with KT Thomas: https://ktsmoneymatters.com/

Purchase KT's book- The Hardworking Woman's Guide to Money 

Learn more about your ad choices. Visit megaphone.fm/adchoices

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 Cost vs. Value ReportThe most important piece of a renovation job is a realistic timeline/planPaint is a great bang for your buck and can totally change the feel of the roomUntil you know what you're actually going to build, it's going to be hard to get a solid estimate"Studies show that more than a third of what we spend, is spent on the home." - KT Thomas

Connect with Melissa Hammond:

Website: http://hammonddesign.net/

Email: melissa@hammonddesign.net

Phone: 974-474-9149

Connect with KT Thomas: https://ktsmoneymatters.com/

Purchase KT's book- The Hardworking Woman's Guide to Money 

Learn more about your ad choices. Visit megaphone.fm/adchoices

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 government survive?" If it does, what will it look like?"Bitcoin is the biggest type of cryptocurrency, not the only type. Just like Kleenex isn't the only type of tissue.Bitcoin is only as valuable as the last person who was willing to buy it from the last person who wanted to sell it"[Bitcoin] is not for the conservative people who want to check their statement every day." - KT Thomas

Connect with KT Thomas: https://ktsmoneymatters.com/

Purchase KT's book- The Hardworking Woman's Guide to Money 

Learn more about your ad choices. Visit megaphone.fm/adchoices

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 you can apply to your financial situationKT really believes that giving back to your community is extremely importantCheck out KT's book here! 

"Money seems like it should be simple but it's actually pretty complicated." - KT Thomas

Connect with KT Thomas: https://ktsmoneymatters.com/

Purchase KT's book- The Hardworking Woman's Guide to Money 

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