Today on the show...A lot of our listeners have told us they want to know more about investing, so today in our “No Dumb Questions” segment with our CFP Erica Cummings from The Harmony Financial Wellness Group at RBC Wealth Management  we’ll explain the difference between a Mutual Fund and an ETFTo reach out to Erica: https://us.rbcwealthmanagement.com/harmonyfinancialwellnessgroup/?utm_source=GMB&utm_medium=YextPlus…What do you need to know after a Divorce?Author, Publisher, Confidence Coach Sheila Kennedy is here to share the 3 biggest financial lessons she learned when she became a single mom.To reach out to Sheila: http://www.thezebraink.com/We end the show today like we always do, we’ll take “A Seat at the Kid’s Table.” Today we had parents ask their kids- What is a checking and savings account? We’ll see what the kids say and what advice our money expert Susan Beacham founder of Money Savvy Generation has for parents. As Susan mentions “We live in a world where people make money off our overdrafts” so it’s imperative as parents to be proactive and teach our kids how to manage their money.To reach out to Susan: http://www.moneysavvy.com/.And our Money Victory shout out goes to Michelle Vanderpool Tomaszewski!Thank you for listening to the show. I truly hope it is helping you.Feel free to reach out anytime sandywaters989@gmail.comCheers to each one of you who is on your way to being proud to say you are a financially confident woman!See omnystudio.com/policies/listener for privacy information.

Today on the show:We hear the headlines about Negative Interest Rates…What does that mean? Is it a real possibility? We’ll explain in “No Dumb Questions” with our CFP Erica Cummings from The Harmony Financial Wellness Group at RBC Wealth ManagementPlus…Becoming a millionaire on a teacher’s salary. Professor Emeritus at the University Wisconsin-Milwaukee and coauthor of Teachers Can be Financially Fit Mark Schug will explain how you can be rich while earning a modest incomeWe end the show today like we always do, we’ll take “A Seat at the Kid’s Table.” Today we had parents ask their kids- What is investing? We’ll see what the kids say and what advice our money expert Susan Beacham founder of Money Savvy Generation has for parents. What is the best way to teach your kids about investing even when you may not be good at it yourself.And our Money Victory shout out goes to Dave Blue Fields!Thank you for listening to the show. I truly hope it is helping you.Feel free to reach out anytime sandywaters989@gmail.comCheers to each one of you who is on your way to being proud to say you are a financially confident woman!See omnystudio.com/policies/listener for privacy information.

Today on the show...Term or Whole life insurance? Which one is better for your family? We’ll explain in “No Dumb Questions” with our CFP Erica Cummings from The Harmony Financial Wellness Group at RBC Wealth ManagementPlus, What’s the psychology behind spending vs saving. Are some people just "wired" to be savers? Continuing the work of her late father Dr Thomas J Stanley, Dr Sarah Fallaw, co-author of The Next Millionaire Next Door and founder/president of DataPoints joins the showHere's the personality assessment test we referred to:  www.datapoints.com/personalityWe end the show today like we always do, we’ll take “A Seat at the Kid’s Table.” Today we had parents ask their kids- What is a budget? We’ll see what the kids say and what advice our money expert Susan Beacham founder of Money Savvy Generation has for parents.Our Money Victory shout out goes to Lauren Marie!Thank you for listening to the show. I truly hope it is helping you.Feel free to reach out anytime sandywaters989@gmail.comCheers to each one of you who is on your way to being proud to say you are a financially confident woman!See omnystudio.com/policies/listener for privacy information.

Today on the show...We break down the difference between a Home Equity Line of Credit and a Home Equity Loan in “No Dumb Questions” with our CFP Erica Cummings from The Harmony Financial Wellness Group at RBC Wealth ManagementPlus, The biggest surprises that catch most people off guard when buying a new house.Rachael Wexler from Keller Williams and Rich Short from Advantage Federal Credit Union are hereWe end the show today like we always do, we’ll take “A Seat at the Kid’s Table.” Today we had parents ask  their kids-How do you decide which college to go to? We’ll see what the kids say and what advice our money expert Susan Beacham founder of Money Savvy Generation has for parents.Here's the link to Susan's article that we referred to: http://susanbeacham.com/the-money-talk-pays-off-heres-proof/#commentformToday our Money Victory shout out goes to Laurie Berry DiBerardinis!Thank you for listening to the show. I truly hope it is helping you.Feel free to reach out anytime sandywaters989@gmail.comCheers to each one of you who is on your way to being proud to say you are a financially confident woman!See omnystudio.com/policies/listener for privacy information.

Today on the show...Your credit score is your mathematical DNA…How is it calculated? How often do you need it and how does it impact your life? We’ll break it down in “No Dumb Questions” with our CFP Erica Cummings from The Harmony Financial Wellness Group at RBC Wealth ManagementPlus, how to put together the perfect pitch that will open up opportunities for you and increase your earning power. Author, Publisher, Confidence Coach Sheila Kennedy  is here to explain the key to turning a ‘No’ into a ‘Yes!’Sheila also gives us her 3 biggest takeaways from interviewing immensely successful entrepreneurs in her book Choices to Changes. We end the show today like we always do, we’ll take “A Seat at the Kid’s Table.” Today we had parents ask their kids- How does a credit card work? We’ll see what the kids say and what advice our money expert Susan Beacham founder of Money Savvy Generation has for parents.This week's Money Victory Shout Out goes to Christine ElizabethThank you for listening to the show. I truly hope it is helping you.Feel free to reach out anytime sandywaters989@gmail.comCheers to each one of you who is on your way to being proud to say you are a financially confident woman!See omnystudio.com/policies/listener for privacy information.

Today on the show:Interest rate vs APR what’s the difference? We’ll break it down in with our CFP Erica Cummings from “No Dumb Questions”The Harmony Financial Wellness Group at RBC Wealth ManagementThe pandemic has taught us a lot about ourselves. Most importantly, it’s taught us a lot about our finances. We are paying more attention to where we spend our money, and how much we’re spending. We have a new appreciation for our streams of income that’s for sure!Our guest today, Jully Alma Taveras founder of the Investing Latina says this is the time we should all be very familiar with our “Survival Number.”She’ll explain.Jully also opens up about her past debt. How shopping was her vice when she was in her 20s.She has paid off that debt and is now using her new found passion for saving and investing to help others take control of their finances.In just a short amount of time her Youtube channel and social media platforms have attracted an impressive following.We end the show today like we always do, we’ll take Today we had parents ask  their kids- We’ll see what the kids say and what advice our money expert Susan Beacham founder of “A Seat at the Kid’s Table.”When you want something really bad but don’t have the money for it, what do you do?Money Savvy Generation has for parents.Thank you for listening to the show. I truly hope it is helping you.Feel free to reach out anytime sandywaters989@gmail.comSee omnystudio.com/policies/listener for privacy information.

Today on the show:Can you easily explain what an IRA is? If you can’t, you’re not alone. We’ll break it down in “No Dumb Questions” with our CFP Erica Cummings from The Harmony Financial Wellness Group at RBC Wealth ManagementOur guest today has the most uplifting and positive way about her. Journalist,Speaker and Widow Warrior Kimberly Holmes-Iverson will share her story. How she found the strength to continue to heal emotionally as a young widow and the valuable financial lessons that she was forced to learn. Lessons she wants every woman to know.We end the show today like we always do, we’ll take “A Seat at the Kid’s Table.” Today we had parents ask  their kids- What are you going to do with your very first paycheck?We’ll see what the kids say and what advice our money expert Susan Beacham founder of Money Savvy Generation has for parents.Thank you for listening to the show. I truly hope it is helping you.Feel free to reach out anytime sandywaters989@gmail.com Cheers to each one of you who is on your way to being proud to say you are a financially confident woman!See omnystudio.com/policies/listener for privacy information.

Today on the show:We start with "No Dumb Questions"Our CFP Erica Cummings from The Harmony Financial Wellness Group at RBC Weatlh Management explains the right way to calculate your Net Worth and why it's so important to know your number.Our guest interview today is Salena Ozzimo, owner of Goods Galore.She is a fearless woman! Being a stay-at-home mom like her husband hope for didn't feel right to her. Salena knew she wanted to make her own money. So after exploring a few money making opportunities she (and her hubby) started their own business that grabbed the attention of A&E's Extreme Unboxing.There are plenty ways to make money, sometimes you just have to take the risks to find it.We finish the show with "A Seat at the Kid's Table"When it's time for your kid to get their very first car, who should pay for it?We'll see what the kids say and then we'll check in with our money expert Susan Beachman founder of Money Savvy Generation to get her take on it all.Cheers to each and every one of you who is proud to say you're on your way to being a financially confident woman!If you have a money question you want us to cover on the show feel free to reach out sandywaters989@gmail.comSee omnystudio.com/policies/listener for privacy information.

One thing that may be holding you back from feeling confident about your money is fear… and a little bit of embarrassment to speak up and admit that you don’t fully understand what's going on.This is YOUR money. You deserve to know what’s going on with it.That’s why we start the show with “No dumb questions.”Our CFP Erica Cummings from The Harmony Financial Group at RBC Wealth Management joins this part of the show.Today we explain why so many people are loving the ROTH 401KTop 3 Things to Know When Starting a BusinessMona Ockenden founder of Mona Moon Naturals is our guest.Mona Ockenden, a wife and mother of 2 created a side business in early 2019 inspired by her sister’s breast cancer diagnosis.  It became her full time gig in late 2019.   In its first year of operation, it shipped to over 26 US states, Canada, Germany and Japan and in now sold in 7 local boutiques.  Mona Moon Naturals’ lip balm is currently included in the Clean Beauty Kit subscription box that highlights all clean natural products created by woman owned businesses in the US. Talking about money with the kids can be tough sometimes so we end the show with "A Seat at The Kids Table"Susan Beacham the founder of Money Savvy Generation joins this part of the show.Today we talk about allowances. We'll find out what the kids say about getting an allowance and then Susan will give us her take on it.This podcast is for YOU. If there are any questions you have or even money success stories you'd like to share, feel free to reach out anytime sandywaters989@gmail.comSee omnystudio.com/policies/listener for privacy information.

Jill Schlesinger who is the CBS News Business Analyst and host of the Jill on Money podcast is on the radio morning show every Wednesday. It's such a great money conversation I thought it'd be worth sharing here with you.Our schedules have been turned upside down, we're not sure what day it is anymore. So... a freindly reminder the July tax deadline is coming up fast.Here's what you should know about filing, paying online (if you are one of the unfortunate people who have to pay) and contributing to your IRAs.Speaking of IRAs perfect time for a refresher course. Quick explination of Traditional and Roth IRAs.See omnystudio.com/policies/listener for privacy information.

We can all agree that the pandemic has taught us a lot. A lot about ourselves and about our personal financial situation and goals.What ARE the MOST important money takeaways from all of this?CFP Erica Cummings from the Harmony Financial Wellness Group at RBC Wealth Managment was on the radio morning show this morning.(During the pandemic we've been posting shorter, more frequent episodes to make sure you stay on top of your finances. Answering your questions and hopefully easing some of your money stress.)See omnystudio.com/policies/listener for privacy information.

Let's be honest, it's no real shocker when experts say having a cash reserve should be one of the top priorities for everyone. BUT, even as much as we hear people telling us that, not everyone activly and intentionally saves cash on the side for that personal financial setback.Let's have the pandemic be a "wake up call" for all of us.Ok, so how much money are we talking? CBS News Business Analyst and host of Jill on Money Jill Schlesinger breaks it down today.(during the pandemic we are sharing conversations from the radio morning show "Spezzano and Sandy")See omnystudio.com/policies/listener for privacy information.

Our goal during the pandemic is to make sure you are on top of what's going on financially and how it directly impacts you.Today on the radio morning show one of our "go to" CFPs Erica Cummings from The Harmony Financial Wellness Group at RBC Wealth Management was on to catch us up on the status of another stimulus bill "HEROES ACT" and if another check is coming your way. Plus, you may have heard rumblings of a "Explore America Tax Credit." According to Forbes and some other outlets, Americans can use this credit (possibly $4,000) for domestic travel, including visits to restaurants.Is that a REAL possibility?And because I'm a "list" girl and love reminders, we'll run through some important dates for you.See omnystudio.com/policies/listener for privacy information.

Every Wednesday CBS News Analyst is on the radio morning show with us "Spezzano and Sandy." She's fantastic so I want to make sure I share our conversation with you just in case you missed it. (If you don't live in Rochester, you can always listen on the RADIO.COM app search 98.9 The Buzz)Today, we chat about consumer spending, specifically the retail sales numbers. Are the numbers a good sign for the economy? Any questions YOU have feel free to reach out sandy@rochesterbuzz.comHope these episodes are helping you :)See omnystudio.com/policies/listener for privacy information.

The money we're spending at the grocery store is pretty alarming, especially seeing the prices on meat products spike these past few months. It's something we've been dealing with the past few months and unfortunatley we'll have to continue paying more for certain items for quite some time.But are there tips to save money?  Of course there are!CFP Erica Cummings is on the show again to give you some easy ways to save money on groceries. Plus, we talk summer school.  This is the perfect opportunity to continue the homeschooling (because you've been enjoying it so much I'm sure) teaching your kids valuable money lessons.We'll give you an easy lesson and way to teach the kids.We truly hope these spidoes are helping you.  If you have any questions just reach out sandy@rochesterbuzz.comPlus, for those of you who just paid off a bill, we'd love to have you on the air with us.  We'll help you celebrate!See omnystudio.com/policies/listener for privacy information.

CBS News Business Analyst Jill Schlesinger is on the radio morning show "Spezzano and Sandy" every Wednesday.Today we asked Jill the question a lot of you are wondering about, will there be another stimulus check?The economic data shows we’re actually doing better than what experts anticipated. Adding 2.5 million jobs in May, that was more than they thought it would be. So does this "good news" mean the idea of another check is off the table?See omnystudio.com/policies/listener for privacy information.