Simplified explanation of Medicare and Medicaid with Lisa PowersNew studies show that people, specifically women listen to podcasts because they want to learn new things.It does feel good to at least have a sense of what’s going on with our money.So today, whether it’s in your near future or not, we’re going to learn about Medicare and Medicaid.The basic explanation and the biggest mistakes people make.Our "go to" elder law attorney Lisa Powers joins the conversationhttps://www.harrisbeach.com/bio/powers-lisa-m/Here are the websites Lisa referred to in the podcast:https://www.medicare.gov/https://www.lifespan-roch.org/https://www.kff.org/See omnystudio.com/policies/listener for privacy information.

Reclaiming Your Financial Life After Divorce or Loss of a Spouse with Dr. Grace Harlow KleinDr Grace has years of wisdom on her side. She is very passionate about educating and empowering women to take ownership of their financial lives. It can be challenging for women (and men) to pick up the pieces and reclaim their lives after divorce or loss of a spouse. Today, Dr Grace offers her expertise, advice and personal stories to help you navigate through this period of time.To learn more about Dr. Grace and her workshops: http://graceharlowklein.com/workshops/See omnystudio.com/policies/listener for privacy information.

The Pros and Cons of Multilevel Marketing with Joe Saul-SehyI’ve always been so curious about multilevel marketing businesses. It’s a conversation that has come up on the radio morning show I also host Spezzano and Sandy, and every time it does, without a doubt a flood of calls will come in saying what a great gig it is.  One listener called in saying he makes $20,000 a month because of all the people he has working under him. I know, I had the same reaction you are having right now “WOW! I’m in the wrong business.”But before we jump ship and start exploring multilevel marketing job openings let’s make sure we know exactly what the business is really like.From the Stacking Benjamins show Joe Saul-Sehy will give us his un biased take on these types of companies and talk us through the pros and cons of the biz.Then, if you are still intrigued go for it! (but remember, keep that day job for a while until you know for sure it’s the right move.)Cheers to being a financially confident woman!For more about Joe and the Stacking Benjamins Show: https://www.stackingbenjamins.com/See omnystudio.com/policies/listener for privacy information.

Resume and Job interview hacks with Mike McNamaraIf you need advice about how to write that perfect resume or how to nail the job interview Mike McNamara is your guy to help you win that job.Among several other job titles and passions, Mike is the founder and CEO of TalentBlvd.For those of you who are new to the workforce or those of you who haven’t updated your resume in years this is a great conversation to listen to.What should you include in your resume?What is the best way to get your resume through the AI?And when it comes to the job interview, Mike teaches us what NOT to do when you go in for the handshake.What types of questions will they most likely ask and how you should answer.Good luck on getting that job!To view the documents Mike referred to in the interview:https://www.talentblvd.com/resourcesCheers to being a financially confident woman!See omnystudio.com/policies/listener for privacy information.

You stumbled on this podcast because you want to be more engaged with your finances.  You want to feel at ease knowing that you will be able to retire comfortably.Awesome, me too! That’s exactly why I started this podcast.So welcome to the year of financial wellness.The first Friday of each month our good friend CFP VP at Morgan Stanley, Erica Cummings joins the conversation.She’s laid out the plan for us. If we follow it step by step, and do what she gives us as our monthly “homework” at the end of the year we will reflect and realize we are in a good spot.As we round out the year, Erica is here to give us the 5 Principles for Financial SuccessThe goal of this episode and every episode is to help you make strides in your finances. Get you to the point where you have a good understanding of where you stand and what the plan is.  It will feel amazing when you can confidently say“I am a financially confident woman”https://advisor.morganstanley.com/erica.cummingsSee omnystudio.com/policies/listener for privacy information.

Financially Protecting A Loved One With Special NeedsOctober is National Special Needs Law Month. So what do you need to know? How can you best financially protect your loved?Today Harris Beach elder law attorney Lisa Powers joins the conversation.She explains the three types of Special Needs/Supplemental Needs Trusts and why setting one up is a good idea.If you have more questions or need more clarification on what we talked about today feel to reach out to Lisa directly lpowers@HarrisBeach.comCheers to being a financially confident woman!See omnystudio.com/policies/listener for privacy information.

I have read so many studies, we’ve talked about it on “Spezzano and Sandy” (the morning radio show I also host) Why is the marriage rate on a decline?Everything that I’ve read, the listeners who called into the show all point to one thing. One of the major factors is finances.So, today we invite back on the podcast one of the most financially savvy people I know Jill Schlesinger.Jill is the CBS News Business Analyst, Host of the Jill on Money radio/podcast show and author of the book “The Dumb Things Smart People Do With Their Money: 13 ways to Right Your Financial Wrongs”Jill Schlesinger breaks down money and marriage.Is finances a good reason not to get married?Should you help your spouse pay off their debt?Is it best to combine your finances?Plus, she reacts to the listener who is planning on getting a divorce in an effort to get more financial aid for her kid. Does that work?To learn more about Jill: https://www.jillonmoney.com/Cheers to being a financially confident woman!See omnystudio.com/policies/listener for privacy information.

Following the Minority Mindset will get you to where you want to be financially.This is such a great message. We love it!It's a way of thinking, a way of managing your money that yes goes against what most people actually do.Founder of The Minority Mindset Jaspreet Singh joins the conversation today.Jaspreet is a serial entrepreneur, licensed attorney and the founder of Minority Mindset, a large educational platform for financial education and entrepreneurship that reaches over 900,000 subscribers and followers across the globe. He is also the co-founder of Seva4Everybody, a community service organization dedicated to help those in need in the Detroit area.To learn more, go to: https://theminoritymindset.com/See omnystudio.com/policies/listener for privacy information.

You stumbled on this podcast because you want to be more engaged with your finances.  You want to feel at ease knowing that you will be able to retire comfortably.Awesome, me too! That’s exactly why I started this podcast.So, welcome to the year of financial wellness.The first Friday of each month our good friend CFP VP at Morgan Stanley, Erica Cummings joins the conversation.She’s laid out the plan for us. If we follow it step by step, and do what she gives us as our monthly “homework” at the end of the year we will reflect and realize we are in a good spot.Today we explain the nuts and bolts of the 2 ways to save for retirement.401k and IRA. What is the big difference between Roth and Traditional?The goal of this episode and every episode is to help you make strides in your finances. Get you to the point where you have a good understanding of where you stand and what the plan is.  It will feel amazing when you can confidently say “I am a financially confident woman”Here's Erica's email feel free to reach out to her directlySee omnystudio.com/policies/listener for privacy information.

123. Mom and Dad, Let's Have The Talk- with Lisa PowersStudies show that it’s mostly the daughters or the wives who are the ones to step up and take care of mom and dad as they get older.So, if we are the ones acting as caregiver, WE are the FIRST ones who will pick up on the signs that mom and dad might need someone to step in and help with their finances too. Even more reason to have a good understanding of it all.Today Harris Beach elder law attorney Lisa Powers is here with advice on how to broach the subject and have these essential conversations with your parents.There are 5 important things you need to ask:Long Term Care preferences. Where do they see themselves living as they get olderFinances- Where are all the important documents, passwords, contacts of financial planner, lawyer, etcMedical PreferencesHealth Care ProxyPower of AttorneyWe hope this episode gives you some clarity and peace of mind.Lisa joins the conversation every month so if you have questions you want us to address in a future podcast feel free to email me or Lisa directlyYou can learn more about Lisa and here practice: https://www.harrisbeach.com/bio/powers-lisa-m/Cheers to being a financially confident woman!See omnystudio.com/policies/listener for privacy information.

Getting Paid What You're Worth with Sheila KennedyThis is something that a lot of people struggle with.  When we say "getting paid what you are worth," we're talking about more than just how to go into the boss’s office and asking for a raise. We're talking about YOU being able to recognize your true value and worth.  The value and worth of the physical task, service or product you provide to your employer and or client.  While also, believing there is a price tag on your time too. Sheila Kennedy, no stranger to the podcast, is a successful entrepreneur, publisher, author, speaker, and coach (just to name a few of her areas of strength) She has great insight on how to truly understand your worth.Today, you'll stop undervaluing yourself and finally have the confidence or at least guidance to get the money your deserve.Cheers to being a financially confident woman!Click here to connect with Sheila: http://www.thezebraink.com/See omnystudio.com/policies/listener for privacy information.

Adulting 101with Pete HardestyDepending on your age, you may have either been very eager to click on this episode or, if you are...let's say "more seasoned" you might have thought "well this is an episode I can skip."Don't skip this one!Our guest today has great insight for all ages.  Actually I am reading this book with my daughters who are 15 and 10. It has initiated some great conversations and life lessons. We chat about the direct connection between EQ and workplace success, how the culture in the workplace has shifted to a more collaborative environment. Pete also explains his firm belief in generously giving to others "we reap what we sow." And finally, the Smart Money Strategies he personally follows.If you have any questions about this or any other episode don't hesitate to reach out to me directly. Sandy@rochesterbuzz.comCheers to being a financially confident women!See omnystudio.com/policies/listener for privacy information.

Welcome to the year of financial wellness.The first Friday of each month our good friend CFP VP at Morgan Stanley, Erica Cummings joins the conversation.She’s laid out the plan for us. If we follow it step by step, and do what she gives us as our monthly “homework” at the end of the year we will reflect and realize we are in a good spot.  We WILL feel financially confident.  And that is an incredible feeling.Today, The Six Pillars of Strength1- Discover your purpose. Purpose means being present and fully involved in all aspects of living. It also means taking steps toward what you want to accomplish and removing anything that does not serve your purpose.2- Demystify your finances. By asking good questions and avoiding the common mistakes, you can understand and take advantage of the most important drivers of long-term financial success.3- Protect your health. The extent to which you make protecting your health a top priority is unquestionably one of the most important financial – yes, financial – investments you can make during your lifetime.4- Put your oxygen mask on first. You cannot be the superwoman you’d like to be, without engaging in moments of self-renewal, taking time to recharge your battery.5- Seek contentment over perfection. It is easy to go from hero to zero in our role as family caregiver. Support and honesty from each other enable us to counteract the illusions of perfection on social media, so we can be content in what’s right for us.6- Design your own career path. There are no right or wrong answers in our decision to work or not to work, nor is it easy to navigate the professional world as a woman. We benefit from actively seeking insight from our sisters, strengthening our confidence and owning the decisions we make at the right time and for the right reasons.See omnystudio.com/policies/listener for privacy information.

I tell my kids Yes strive to be the best BUT in life, it’s really who you know and the connections you make that’s going to get you noticed.I’ve been in radio for over 20years. From day one, as a college intern, I made it my goal to be the best intern on the team. I was almost obsessive about it.Being good at my job did help get me to where I am today but I really started to get recognized for my hard work and saw greater success once I started to make connections and develop relationships with the right people.  This week Jaclyn Mellone aka the Go-To Gal teaches us how to make those connections that lead to opportunities.Jaclyn’s focus is to help experts grow their business by becoming the Go-To Authority in their space. She is a coach, strategist, Keynote speaker, and host of the Go-To Gal podcast.She is a mama of 2 and a great resource for anyone who craves more from their career.Cheers to being a financially confident woman!See omnystudio.com/policies/listener for privacy information.

Do you have a family cottage?For those of us who don't, it sounds so fancy and rich doesn't it?!Well, for those of you who do have a cottage in the family, you understand how much of a headache it can actually be. Especially when it comes to ownership and how to pass it down to the next generation without causing a family feud or animosity.There is a financially smart way to pass it down the family cottage to the next generation.  Today, our "go to" elder law attorney Lisa Powers from Harris Beach is here to talk us through it.Hope this helps keep peace in your family and more great memories at the cottage.Cheers to being a financially confident woman!See omnystudio.com/policies/listener for privacy information.

What is that idea that is eating away at you? You just KNOW it could solve a problem for people and better yet, it could make you some money.How do you go from idea to startup? How to do you get your idea out there for everyone to notice?Today Tricia Kuntz "The Purple Painted Lady" and Mona Ockenden "Mona Moon Naturals" joins the conversation.About 10 years ago, Tricia discovered a product called Chalk paint by Annie Sloan. From the very first time using it, she just knew it was a product that other people would absolutely LOVE. She jumped in on it early and started selling it. Creating her fast growing business The Purple Painted Lady.Mona has a slightly different entrepreneurial journey. Mona Moon Naturals was born after her sister’s breast cancer diagnosis. In an effort to rid the house of chemical laden products, Mona created a natural, chemical-free recipe for body care essentials like deodorant, body whip and lip balm.  A Product with a PurposeI love these ladies! Not only because they are both financially confident women who are also amazing entrepreneurs, but also because they were so sweet to my little Lexie.My 10year old Alexa is starting a business of her own called Bath Bombs for Charity. I guess she has the "entrepreneurial spirit." She often has questions mama can't answer so I invited her to sit in on the podcast and learn from the best. :)Cheers to being a financially confident woman!See omnystudio.com/policies/listener for privacy information.

Michele Liddle joins the conversation today. She went from working a typical 9-5 gig selling electric motors to owning a National Brand. Her story reinforces the message that we often hear, successful entrepreneurs identify a problem or a need in the community and figure out a way to solve it.And man, in just 3 short years she is kicking butt and definitely defining success!  Her company The Perfect Granola has grown tremendously and continues to expand.We talk about her secret to the perfect sales pitch, how she built her brand, and how she finds work life balance.Michele is a mama of 2 beautiful daughters (who you’ll be able to hear in the background of our interview. Adorable! :)You will love Michele, her enthusiasm, passion and genuine personality will leave you motivated to put your ideas into motion and strive to be a working mom who has it all.Cheers to being a financially confident woman!See omnystudio.com/policies/listener for privacy information.

Welcome to the year of financial wellness.The first Friday of each month our good friend CFP VP at Morgan Stanley, Erica Cummings joins the conversation.She’s laid out the plan for us. If we follow it step by step, at the end of the year we will reflect and realize we are in a good spot.  We WILL feel financially confident.  And that is an incredible feeling.Today we go over the common mistakes many people make in retirement and planning for retirement.Cheers to being a financially confident woman!See omnystudio.com/policies/listener for privacy information.

If I were to ask you to think of an influential business leader in history what names pop into your head?Henry Ford? Walt Disney? Or maybe, more currently, Steve Jobs came to mind. Did any of you say Martha Matilda Harper?Who is she?She is the woman who we have to thank for modern retail franchising.She truly is an inspiring business leader in history.Today, author Jane Plitt joins the conversation. Jane has dedicated years to uncovering Martha's story.Click here to learn more about Jane and her booksSee omnystudio.com/policies/listener for privacy information.

Welcome to the year of financial wellness.Every month our good friend CFP VP at Morgan Stanley, Erica Cummings joins the conversation.She’s laid out the plan for us. If we follow it step by step, and do what she gives us as our monthly “homework” at the end of the year we will reflect and realize we are in a good spot.  We WILL feel financially confident.  And that is an incredible feeling.Today we focus on how to talk to our kids about money. Valuable financial lessons by age group.Cheers to being a financially confident woman!See omnystudio.com/policies/listener for privacy information.

Is Long Term Care Insurance something you should start thinking about?Joining the conversation today is Colleen Fitzhenry, a CFP at Lustig & Fitzhenry Financial Services in cooperation with Financial Partners of Upstate New York.  Colleen is also certified in Long Term Care.We have a pretty good understanding of why we need car insurance, homeowners insurance even life insurance but what about Long Term Care insurance?  Nobody really talks about that one. Today we are going to break down all the facts. What you need to know to make the decision if it’s something you should look into.Cheers to being a financially confident woman!See omnystudio.com/policies/listener for privacy information.

How is your will looking? Do you revisit it every 3 years or so to make sure it's all up to date?If you said “yes,” awesome! You are on top of it and way ahead of a lot of people. For the rest of us, this is a really good podcast to download.  Our favorite elder law attorney from Harris Beach Lisa Powers joins the conversation.  We'll break down theThe top misguided excusesWhy DIY services are not always the best and most comprehensive way to put together a WillWhat you should make sure is included in your WillClick here for more information about Wills, Trusts and Estates.See omnystudio.com/policies/listener for privacy information.

110. “If you passionately believe in something, even if you don’t possess sales skills your enthusiasm is going to come through…and there’s credibility there.”So now think to yourself, what do you passionately love to do?Today Tricia Kuntz The Purple Painted Lady joins the conversation. Her story will motivate you to start thinking about how you can turn your hobby, your passion into a money making opportunity. Even if it’s just a little extra side money that would be nice. Right?!Enjoy the conversation, you will absolutely LOVE Tricia. Cheers to being a financially confident woman!See omnystudio.com/policies/listener for privacy information.

Welcome to the year of financial wellness.The first Friday of each month our good friend CFP VP at Morgan Stanley, Erica Cummings joins the conversation.She’s laid out the plan for us. If we follow it step by step, and do what she gives us as our monthly “homework” at the end of the year we will reflect and realize we are in a good spot.  We WILL feel financially confident.  And that is an incredible feeling.Believe it or not we’re already at the half way point.  So today it’s your midyear financial checkup. What you should be doing this time of the year.Erica will also help you catch up on the months you may have missed and give you some ideas to make it through the expensive summer months without breaking the bank.Cheers to being a financially confident woman!See omnystudio.com/policies/listener for privacy information.

Can you honestly say that you are #1 in your field? That every day you show up to Play Big and make an impact?Well for a lot of us, me included, sometimes we don't think playing big is even possible. You might feel the same way as a lot of women do, once you started a family pushing yourself to achieve the epitome of greatness in your career kind of fell down a few notches on your list of "to dos."Many of you might be dealing with a major obstacle in life that as stopped you in your tracks and you don't know how to pick yourself up and regain the energy and drive to push forward.All of that is completely normal and very common. That is why we invited Sharon Lechter to join the conversation today.Not only does Sharon have an impressive resume in the field of finances and mentorship she, like many of you is reigniting her fire after dealing with tragic heartbreak.  Her Play Big movement will hopefully inspire you too.Click here if you're interested in learning how to create your own personal success equation. It's a free resource that Sharon offers. See omnystudio.com/policies/listener for privacy information.