Seven Figures: Smart Money Strategies...

Having money and wealth can buy you material things BUT more importantly it buys you options and peace of mind. THAT is what this podcast is all about. Sandy Waters has always been passionate about helping women get to a spot where they feel comfortable, confident and secure about their financial future. “It doesn’t matter how much money you earn, it’s what you do with the money you have.”

This show is designed to fit perfectly into your busy schedule. Each week we start with “No Dumb Questions.” A quick 5-minute explanation of the most commonly misunderstood money topics. Topics that many women are afraid to speak up and ask about.

We then sit down with a financially confident woman who lets us in on her secrets of success. What does she do that we all should be doing?

And finally, since most of us are parents who want to be good financial role models. Sandy ends the show with “A Seat at the Kids Table.” This is the part of the show were the kids get involved. We listen in on their responses to important money questions. Our expert leaves us with advice, how to best teach the lessons they are not learning in school.


Reach out to Sandy Waters directly sandywaters989@gmail.com

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1
219. Tips for Marketing Yourself with Joie Ghar...
49 min
2
218. How we run our family budget with Chris an...
42 min
3
217. Sage words of wisdom for women with JoAnne...
35 min
4
216. The day you say "I Do" to their finances w...
52 min
5
215. Make your finances YOUR job with Maria Rio...
40 min
6
214. What does success look like with Brandon T...
41 min
7
213. Tips to Living Frugal with Frugal Friends ...
44 min
8
212. How to invest in Real Estate when you have...
47 min
9
211. Let's Ditch Busy with Kate Erickson
35 min
10
210. How she paid off $32k in 14 months with St...
44 min
11
209. How TikTok is opening doors of opportunity...
41 min
12
208. How to make money with an online course wi...
40 min
13
207. Manifesting What You Want with Jaclyn Mellone
31 min
14
206. Finding work-life balance in times of unce...
37 min
15
205. Feel like a Fraud? Overcoming Imposter Syn...
29 min
16
204. When You Feel Like You’re At Your Breaking...
34 min
17
203. The Life-Changing $1500 Offer with Alexis ...
30 min
18
202. How to Start an Online Business with Debbi...
33 min
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201. Is Your Little White Lie Holding You Back ...
27 min
20
200. Simple Ways to Solve Your Most Troubling P...
36 min
21
199. The Size of Your 'Love Bucket' Matters wit...
37 min
22
198. Stop working scared instead start 'Bossing...
35 min
23
197. 3 Lessons I Learned After My Divorce with ...
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.
24 min
24
196. How to Become a Millionaire on a Teacher's...
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.
38 min
25
195. The psychology behind saving vs spending w...
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.
27 min
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194. The Housing Market is HOT right now! Advic...
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.
34 min
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193. Getting them to say Yes and opening up new...
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.
30 min
28
192. Important step to paying off debt is knowi...
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.
29 min
29
191. Healing financially and emotionally after ...
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.
39 min
30
190. There's money out there you just have to t...
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.
33 min
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189. Top 3 Things You Should Know When Starting...
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.
38 min
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188. July Tax Deadline and an IRA FYI
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.
12 min
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187. The Pandemic Has Taught Us 3 Very Importan...
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.
6 min
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186. What Most Money Experts Say Should Be Your...
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.
12 min
35
185. Getting paid to travel?! The Explore Ameri...
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.
9 min
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184. What are the Retail Sales Numbers showing ...
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.
7 min
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183. Easy Ways to Save Money on Groceries with ...
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.
14 min
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182. Is a 2nd Stimulus Check Still a Possibility?
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.
5 min
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181. Divorce and Real Estate- What you need to ...
Divorce and Real Estate- What you need to know with Rachel WexlerReal estate due to divorce is Rachel's “niche.""Having gone through a very rough divorce myself, years ago, and before I was a Realtor, I learned the hard way how difficult it was and how unlike any other type of real estate it is."So, what makes it so unique? Rachel candidly talks about picking up the pieces after her divorce. PLus, she gives us tips on selling and buying a house not only after a divorce but also during a pandemic.If you want to reach out to Rachel Wexler:https://www.homesbyrachelwexler.com943-8811 See omnystudio.com/policies/listener for privacy information.
32 min
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180. Is Now The Right Time to Ask the Boss for ...
Today, we're going to help you perfect your Time Management Skills with some great tips.Plus, the question a lot of people are battling with, is now the right time to ask the boss for vacation time off?CFP at the Harmony Financial Wellness Group at RBC Wealth Managment Erica Cummings gives us her expert take on it all. See omnystudio.com/policies/listener for privacy information.
14 min
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179. Advice for New Graduates with Jill Schlesi...
Graduating into a recession. What should you do?On the radio morning show "Spezzano and Sandy on 989 The Buzz every Wednesday, our friend from CBS Jill Schlesinger is on with us.She recently wrote an article titled "The Rotten Luck of Graduating into a Recession" What expert advice does she have for graduates?And for you parents, is college something you should still encourage your kids to consider?See omnystudio.com/policies/listener for privacy information.
9 min
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178. The Most Resilient Generation with Erica C...
Which generation is being referred to by experts as the most resilient generation, taking all of this added financial stress in stride?We talk about it today with CFP Erica Cummings from The Harmony Financial Wellness Group at RBC Wealth ManagementSee omnystudio.com/policies/listener for privacy information.
15 min
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177. It's a Bad Credit Limit Surprise for a lot...
Today, what if something like this happens again? Not necessarily a virus pandemic but a stressful financial situation. The one thing that you need that will keep you feeling calm when everyone else is panicked about their finances, we'll give you that one thing today. Plus, a lot of people are shocked when they find out about their credit limit. If you haven't checked your cedit limit, maybe now is a good time to do so. We'll explain. Erica Cummings from The Harmony Financial Wellness Group at RBC Wealth Management is on the podcast every Monday and Friday.https://us.rbcwealthmanagement.com/harmonyfinancialwellnessgroup/See omnystudio.com/policies/listener for privacy information.
15 min
44
176. Talking to the Kids about Tightening the B...
"Family we have to tighten the budget" to a kid, that's probably worse than hearing mom and dad tell them to eat their vegatables.Cutting things out of the budget is uncomfortable for all of us. But, with so many people losing their jobs or agreeing to take a pay cut, tightening the belt is a "must do" for many families.How do you explain it to the kids in a way that won't get them worked up and more worried than they already are with the changes they've expereinced these past few months? Jill Schlesinger, CBS News Business Analyst and Jill on Money podcast/radio host gives us her take.See omnystudio.com/policies/listener for privacy information.
10 min
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175. How to get your spouse to open up and WANT...
We cover a lot today on the show with CFP Erica Cummings.How to get started with your 401k investmentsGetting your financial papers in orderAnd how to get your spouse to open up and WANT to talk about the family budget. For a lot of couples when the topic of money comes up, it ends in a fight. If that sounds like your relationship, not to worry we have some advice.You can reach out to Erica directly to go over some personal financial questions you may have or to learn more about her upcoming webinar open to the public: https://us.rbcwealthmanagement.com/harmonyfinancialwellnessgroup/See omnystudio.com/policies/listener for privacy information.
13 min
46
174. Behind the Scenes Scoop About the Stimulus...
Another quick episodeKeep you in the loop about the next stimulus package they’re working on.Jill Schelsinger from CBS news/Jill on Money podcast was on the radio morning show this morning. Of course she has the "in," what her people in Washington are telling her about it.See omnystudio.com/policies/listener for privacy information.
9 min
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173. Divorce during the Pandemic with Erica Cum...
Today, if your company has stopped their 401K match, don't worry you're not alone. Plus answering a listener's question about divorce during the pandemic. Every Monday and Friday CFP Erica Cummings is on the radio moring show. Here's our conversation from today.If you have a question feel free to reach out sandy@rocehsterbuzz.comor Erica Cummings: https://us.rbcwealthmanagement.com/harmonyfinancialwellnessgroup/See omnystudio.com/policies/listener for privacy information.
9 min
48
172. Is There More College Loan Relief on the W...
There’s  a lot of talk about another Covid-19 reflief package. Of course the government will take some time bashing it around, trying to agree.But right now, breaking down the proposed $3 trillion, how much might be coming to you?If you have a question feel free to reach out sandy@rochesterbuzz.comor Erica Cummings: https://us.rbcwealthmanagement.com/harmonyfinancialwellnessgroup/See omnystudio.com/policies/listener for privacy information.
10 min
49
171. How to Impress Your Boss with Jill Schlesi...
How to Impress Your Boss with Jill SchlesingerToday- We’ll go over some of the top news stories…About Reopeing the country…How Elon Musk owner of Tesla is NOT following the plan and most importantly we’ll help you impress the boss so you can make sure you ARE part of your companies evolutionSee omnystudio.com/policies/listener for privacy information.
12 min
50
170. How to Prove Your Value While Working From...
 Today growing your money, a refresher course on the power of compounding and how to make the biggest impact and prove your value while working from home.our friend CFP Erica Cummings comes on with us every Monday and Friday….Just in case you missed it….here’s our conversation If you have a question feel free to reach out sandy@rochesterbuzz.comor Erica Cummings: https://us.rbcwealthmanagement.com/harmonyfinancialwellnessgroup/See omnystudio.com/policies/listener for privacy information.
11 min
51
169. Top 3 Frugal Ideas to Save Money During th...
Top 3 Frugal Ideas to Save Money During the Pandemic with Erica CummingsA lot of people are feeling the money pinch and according to a recent study they consciously are looking for ways to be more frugal. I love this! Frugality is my thing. Being frugal for the record is very different than being cheap. Frugal people are money conscious people. They don't waste money on things that are unessesary. This is exactly what we should be doing during the pandemic. Looking for ways to trim the budget and be more mindful about spending more frugally savvy.Today CFP Erica Cummings gives us her Top 3 Frugal Ideas to help you save money.If you have a question feel free to reach out sandy@rocehsterbuzz.comor Erica Cummings: https://us.rbcwealthmanagement.com/harmonyfinancialwellnessgroup/See omnystudio.com/policies/listener for privacy information.
11 min
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168. Should You Be Moving Money Around Within y...
Today, answering a question we've been getting a lot lately, "should I be doing anything different with my 401K, moving money around? Rebalancing?"Our goal of the podcast is to find the perfect expert to help guide you through your money concerns.Jill Schlesinger, is one of the experts I often lean on, especially during the Covid-19 pandemic. She's the CBS New Business Analyst, also host of the radio/podcast show "Jill on Money"She's a reoccuring guest on the radio morning show I co-host, "Spezzano and Sandy on 989 The Buzz"If you have a money question or concern you need help with just reach out Sandy@rochesterbuzz.comSee omnystudio.com/policies/listener for privacy information.
10 min
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167. WHERE to Pull Back on Saving if Money is T...
WHERE to Pull Back from Saving if Money is Tight with Erica CummingsToday, We’ll help you prioritize WHERE you can pull back from saving…If money is tight and what the future looks like…the positive outcome.We're posting a new episode every Monday, Wednesday and Friday during the pandemic. Click Subscribe if you want to get the notification.Our goal is to answer your questions, relieve some of the stress by giving you the best money stratedy. Feel free to reach out to us anytimeEmail me directly- sandy@rochesterbuzz.comErica Cummings- https://us.rbcwealthmanagement.com/harmonyfinancialwellnessgroup/See omnystudio.com/policies/listener for privacy information.
11 min
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166. Top 3 Money Apps with Erica Cummings
Today how to separate facts from the sensationalized news stories. Plus, the top 3 money apps for you and for the kids. We’re posting a new episode every Monday, Wednesday and Friday. If you click subscribe, you’ll get the notification when a new one goes up. The podcast has changed a little bit during the pandemic, it’ll now be from the conversation we have on the radio morning show.Erica Cummings from The Harmony Financial Wellness Group at RBC Wealth Management joins the conversation.Every Friday CFP   See omnystudio.com/policies/listener for privacy information.
12 min
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165. College after Covid19 with Jill Schlesinger
Today, for those of you who have kids thinking about college, should Covid 19 change the discussion. Plus, if you’ve been directly impacted financially you might want to think about an appeal to your financial aid package.CBS News Business Analyst, host of the Jill on Money radio/podcast show is on with us every Wednesday.  Holding our hand through all of this.Reach out to Jill: https://www.jillonmoney.com/Here's the full article on how the pandemic is impacting college enrollmenthttps://rochesterbuzz.radio.com/articles/radiocom/students-reluctant-to-pick-college-as-virus-strains-financesSee omnystudio.com/policies/listener for privacy information.
14 min
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164. Polishing Up Your Resume with Mike McNamara
Today we're going to help you polish off your resume. Ya, for a lot of you it's been a while since you've written a resume, we right there with you. But now in these uncertain times, we all need to get a jump start on preparing for the worst case scenario just in case you need to search for a new job. Many of you have been laid off or furloughed. Many who are still working can not say with certainty that their company will be able to survive status quo after this all passes.So we lean on our expert, good friend Mike McNamara the founder of TalentBlvd.https://www.talentblvd.com/See omnystudio.com/policies/listener for privacy information.
6 min
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163. Protecting Your Credit Score During The Pa...
Are there new tips and tricks to help us build up our credit score during this time?For the families hit especially hard by the pandemic, could this have lasting effects on their credit score.Is it something they should be worried about it? If you have a question feel free to reach outsandy@rocehsterbuzz.comorErica Cummings: https://us.rbcwealthmanagement.com/harmonyfinancialwellnessgroup/See omnystudio.com/policies/listener for privacy information.
6 min
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162. Stimulus Check Frustrations and What to do...
Today why some people, maybe you are one of them, are having trouble receiving their stimulus checks and what should you do when you have a gut feeling that you might lose your job?During the pandemic, we’re posting a new episode every Monday, Wednesday, Friday.There’s a lot of financial stress right now for everyone, we hope these episodes are helping you figure out the best money strategy for you and your family. And we hope to ease the tension a little bit.If you have a question feel free to reach out sandy@rocehsterbuzz.comor Erica Cummings: https://us.rbcwealthmanagement.com/harmonyfinancialwellnessgroup/See omnystudio.com/policies/listener for privacy information.
10 min
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161. Filing for Unemployment and Will We Pay Mo...
Today, getting through to unemployment and who can file..Plus, once this pandemic is behind us will products and services cost more or less?We’re posting a new episode every Monday, Wednesday, Friday focused on how the Covid-19 pandemic is directly impacting you and your family’s budget. Helping you figure out the best money strategy.This morning CBS News Bussiness analyst, host of the Jill on Money radio show and podcast Jill Schlesinger was on radio show Spezzano and Sandy on 989 The Buzz like she is every Wednesday. I thought I'd share the conversation with you here.If you have a financial question feel free to reach out sandy@rochesterbuzz.comor Jill directly at https://www.jillonmoney.com/See omnystudio.com/policies/listener for privacy information.
11 min
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160. The Breakdown of Unemployment Benefits wit...
Answering your questions today about unemployment benefits. For some of you who were asked to take a pay cut, or who have reduced hours, you may be entitled to unemployment benefits too. Plus the Top 3 things to do with your stimulus check.If you have a question: email me sandy@rochesterbuzz.comor reach out to Erica: https://us.rbcwealthmanagement.com/harmonyfinancialwellnessgroup/See omnystudio.com/policies/listener for privacy information.
10 min
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159. Tips to Cope Emotionally and Financially t...
Tips to Cope Emotionally and Financially during the Pandemic with Erica CummingsToday we'll answer a listener's question about paying for college with a 529 College Savings Plan for their daughter who plans to attend in the fall. Plus, how to cope emotionally with everything that’s going on.  And since a big goal of ours is to give you the "smart money strategy" what should be your stratedy during this time when everything is on pause?If you have a question…just let me know sandy@rocehsterbuzz.comYou can reach out to CFP Erica Cummings: https://us.rbcwealthmanagement.com/harmonyfinancialwellnessgroup/See omnystudio.com/policies/listener for privacy information.
10 min
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158. Covid-19 Update- When Should America Reope...
Today our focus will be on (3) main questions:Will all the money that the government is giving to small businesses really help save jobs?Where IS the federal government getting all this money?Plus, the heated debate on everyone's mind, when should Americca reopen?CBS Business News Analyst Jill Schlesinger also, host of Jill on Money radio show and podcast helps us answer these questions.Jill is a good friend of ours, she's on the radio morning show "Spezzano and Sandy" on 989 The Buzz every Wednesday. It's always a great conversation but even more so now with all the fiscal concern about the pandemic. Here's the conversation from this morningFollow Jill Schlesinger: https://www.jillonmoney.com/ See omnystudio.com/policies/listener for privacy information.
11 min
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157. Time to Boost Your Savings with Erica Cumm...
Now is the Time to Boost Your Savings with Erica CummingsHow the pandemic is an opportunity to save money and for the proud new parents who had babies in 2019, what you need to do to make sure you get the extra $500 in your stimulus check.Here’s our conversation with CFP Erica Cummings from The Harmony Financial Wellness Group at RBC Wealth ManagementShe is on the morning radio show Spezzano and Sandy on 989 The Buzz every Monday and Friday.If you have a financial question feel free to email me sandy@rochester buzz.comSee omnystudio.com/policies/listener for privacy information.
8 min
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156. Stimulus Checks and Side Money with Erica...
 CFP Erica Cummings from  The Harmony Financial Wellness Group from RBC Wealth Management joins the radio morning show that I co-host "Spezzano and Sandy" on 989 The Buzz answering your questions:How can I make sure my direct deposit is on file?Will there be another round of stimulus checks?Will frontline essentail workers receive additional compensation?Ideas to make some extra money while staying safe at homeIf you have a question-Sandy@rochesterbuzz.comSee omnystudio.com/policies/listener for privacy information.
13 min
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155. Covid19 Economic Outlook and Small Busines...
Every Wednesday morning CBS News Business Analyst Jill Schlesinger joins the radio morning show that I co host "Spezzano and Sandy" on 989 The Buzz. We take this time every week to go over ahd explain what policy makers are saying and how the pandemic is directly impacting you and your wallet.Today, Jill touches on the small business relief and her economic outlook, how long she thinks this will last.See omnystudio.com/policies/listener for privacy information.
12 min
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154. Save for Vacation or Invest with Erica Cum...
You probably have even more financial questions than you did before the Coronavirus pandemic hit, and that is why every Monday, Wednesday and Friday we're going to post a new episode. Our goal is to answers your questions and make sure you stay on top of what you need to know financially.Today CFP Erica Cummings from The Harmony Financial Wellness Group at RBC Wealth Management joins the conversationSee omnystudio.com/policies/listener for privacy information.
12 min
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153. If You NEED the Stimulus Check Here's When...
If You NEED the Stimulus Check When Can You Expect It with Erica CummingsIt’s gut wrenching to see the numbers. As of right now, more than 10million people have applied for unemployment.Some economists predict that number to climb to 20million or more.Needless to say, there are a lot of families anxiously awaiting that relief check that is part of the $2trillion stimulus package from the Federal Government.This morning on the radio show "Spezzabo and Sandy" on 989 the Buzz, CFP Erica Cummings from The Harmoney Financial Wellness Group at RBC Wealth Management gave us the breakdown of what you need to know.Email your questions:Sandy@rochesterbuzz.comErica at  https://us.rbcwealthmanagement.com/harmonyfinancialwellnessgroup/wealth-management-approachSee omnystudio.com/policies/listener for privacy information.
9 min
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152. Furlough vs Laid off with Jill Schlesinger
Every day there's a new company added to the list, that say they have no choice but to either furlough or lay off employees.We want to make sure you have a good understanding of what the difference is just in case you end up being one of those employees.CBS News Business Analystr Jill Schlesinger is on the radio morning show that I cohost "Spezzano and Sandy" on 989 The Buzz every Wednesday.This week she explains what it means to be furloughed vs laid offSee omnystudio.com/policies/listener for privacy information.
7 min
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151. The Financial Side of Covid19 with Erica C...
3-30 Covid19 Financial Update with Erica CummingsWhat is the best strategy to financially cope with the Covid 19 pandemic? CFP Erica Cummings from the Harmony Financial Wellness Group at RBC Wealth Management answers questions.If you have a question reach out to Sandy at Sandy@rochesterbuzz.comErica Cummings: https://us.rbcwealthmanagement.com/harmonyfinancialwellnessgroup/See omnystudio.com/policies/listener for privacy information.
15 min
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150. Covid-19 Financial Update with Erica Cummings
3-27 Covid19 Financial Update with Erica CummingsWe've lined up our good friend CFP Erica Cummings from The Harmony Financial Wellness Group at RBC Wealth Management to come on the radio morning show that I cohost "Spezzano and Sandy" every Monday and Friday answering listener's questions. I'll post the conversation here as well for all of you, because I'm sure you have the similar concerns.These are scary times for a lot of people, BUT we are going to hold your hand and walk you through this.If you need any advice or have any questions reach out sandy@rochesterbuzz.comErica Cummings https://us.rbcwealthmanagement.com/harmonyfinancialwellnessgroup/See omnystudio.com/policies/listener for privacy information.
12 min
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149. Stimulus Package Breakdown with Jill Schle...
How will the $2 trillion Stimulus Package help you?CBS News Business Analyst Jill Schlesinger breaks it down for us plus she answers a questions we've been getting a lot lately "Should I pull out my cash? What's going to happen to the banks?" Follow Jill: https://www.jillonmoney.com/See omnystudio.com/policies/listener for privacy information.
15 min
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148. Covid-19 Financial Update with Erica Cummings
Covid-19 Financial Update with Erica CummingsWe understand a lot of you are feeling a lot of financial uncertainty and pressure right now.  We've lined up CFP Erica Cummings from The Harmony Financial Wellness Group at RBC Wealth Management to hold our hands and answer our questions.Erica will be on with us every Monday and Friday so if you have a question feel free to reach out to us. Sandy@rochesterbuzz.com https://us.rbcwealthmanagement.com/harmonyfinancialwellnessgroup/See omnystudio.com/policies/listener for privacy information.
16 min
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147. Coronavirus Has Taught Us the Importance o...
Coronavirus Has Taught Us the Importance of Saving with Jeff TyburskiFull disclosure I recorded this interview with Jeff a few weeks back, before the intensity of the Coronavirus hit us. With the uncertainty that surrounds us now, the unsettling question that's keeping us up at night "will my company and job be able to survive this economic hit?" This conversation is more important now than ever.The biggest lesson we can all learn from this is having a strong grasp on saving money will help you be able to take on whatever lies ahead.Jeff's mission and passion is to educate the younger generation (and their parents) about the basic foundation of saving money.Jeff is offering the first 25 listeners who buy his book free audio lessons. Learn more here: https://www.yourfinancialsherpa.com/ Cheers to being a financially confident woman!See omnystudio.com/policies/listener for privacy information.
23 min
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146. Using Tax Prep Software vs Hiring a Tax Pr...
Using Tax Prep Software vs Hiring a Tax Professional with Brian MartucciTax season is here, the Coronavirus can’t cancel that (unfortunately)If you have yet to prepare your taxes and are curious about the pros and cons of using tax prep software vs hiring a professional Brian Martucci the finance editor for MoneyCrashers.com has done the extensive research for you.Also, for those of you who have an interest in freelance writing, Brian has great advice and tips on how to get your name out there and get gigs.To read Brian’s full article: https://www.moneycrashers.com/tax-prep-software-vs-hiring-professionalCheers to being financially confident women!See omnystudio.com/policies/listener for privacy information.
16 min
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145. Today's Uncertainty of the Market Means Wh...
Today's Uncertainty of the Market Means What for You?- with Jill SchlesingerA lot of you have reached out asking is now is the time to panic or make any moves to your investments. CBS News Business Analyst Jill Schlesinger was on the radio morning show that I cohost "Spezzano and Sandy" talking about what you should be doing with your money.I hope this will put your mind at ease during such a crazy time.   See omnystudio.com/policies/listener for privacy information.
11 min
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144. The 2nd step in Overcoming Underearning an...
The 2nd step in Overcoming Underearning and Thriving in the Workplace with CFP Erica CummingsThe first Friday of the month CFP, Senior Vice President, Financial Advisor at RBC Wealth Management Erica Cummings joins the conversation.Last year we focused on the practical and basic understanding of finances.  What you need to know and do to get a better handle on your financial goals.This year, Erica will direct the conversation more around how to excel in your financial life.  "Overcome Underearning and Thrive in the Workplace"Today, Step #2 out of the 10 steps Erica has put together for us.Construct Your Career AgendaWhat does the agenda look like?Don’t spend a lot of time comparing yourselves to othersDon’t get caught up in the “they” syndrome Be FlexibleApril 30th is the date of the next workshop. Free and open to all women "The 3 Keys to Navigating Change and Landing on Your Feet"Connect with Erica: https://us.rbcwealthmanagement.com/harmonyfinancialwellnessgroup/Cheers to being a financially confident woman! See omnystudio.com/policies/listener for privacy information.
22 min
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143. Creating million-dollar business ideas wit...
Creating million-dollar business ideas with Gayle JagelIf any of you are big fans of the show "Shark Tank" you will definitely enjoy this conversation.Gayle Jagel's idea to create The Young Entrepreneurs Academy started out as a way to get "kids excited about learning and what they could accomplish academically.” It has grown from a program offered at the University of Rochester to now an opportunity for youth in168 communities in the US and 11 locations in India and 3 locations in Shanghai.So what does it take to create, develop and launch a million-dollar business?Students who are accepted into the program walk through each step of the process including pitching their ideas to a panel of judges.  Like "Shark Tank," their pitch could get them money to help grow their business.I know what you're thinking, why wasn't this around when I was a kid? Well, we might not be able to get into the program at our age, but Gayle is here to offer up her expertise and teach you how to cultivate the perfect business. And remember, no matter how old you are, you're never to old to start a business.Gayle is a firehouse of ideas turned on full blast. Get ready to take notes!I hope our conversation today will inspire not only you but your kids too!  I definitely will be sharing this episode with my two daughters.Cheers to being a financially confident woman! See omnystudio.com/policies/listener for privacy information.
30 min
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142. Giving You Confidence to Start Investing w...
Giving you confidence to start investing with Elaine DelMonteMany of you know of Elaine DelMonte. You’re familiar with her name and voice from the Spa at the Del Monte commercials. Yes, she is the wife of the DelMonte Hotel Group’s CEO John DelMonte.But Elaine is also a financially confident woman! She spent a good part of her career working in the financial world as a financial advisor. The story of HOW she got into the business is a great lesson for all of us.Elaine is an influential woman who is passionate about motivating other women to be engaged and take control of their own finances.Today,-She explains investing in a simple way-Financial tip after a divorce-The power outfit-And, how to respond when your boss throws out a number of what you’re worthCheers to being a financially confident woman!See omnystudio.com/policies/listener for privacy information.
26 min
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141. Thriving in the Workplace and How to Overc...
Thriving in the Workplace and How to Overcome Underearning- with Erica CummingsYes, we've all heard the news stories and we've seen the statistic that show women still earn less than their male counterparts.The culture is changing, more and more companies are consciously attempting to level the playing field. Hire a more diverse leadership. But it's going to take time, it is going to be a slow gradual shift.Don't wait for your company/industry to catch up.  You are a woman who works hard, you are talented YOU need to be proactive and make the first move.  If you strive to be higher up on the chain of command or you desire to earn more respect and more money here's what you need to do. Erica has put together10 different ways we can "show up" and better position ourselves to succeed at workEach month we'll focus on one step at a time. Starting with "Be your authentic self"You can reach out to Erica https://us.rbcwealthmanagement.com/harmonyfinancialwellnessgroup/contactCheers to being a financially confident woman!See omnystudio.com/policies/listener for privacy information.
26 min
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140. Yes, even YOU should have an Estate Plan- ...
When was the last time you looked over your Estate Plan? Wait, you don't have one? It's ok you're definitely not alone.  I bet a lot of people listening to this episode don't have one. Many of you may have started the process and just never finished. Thoroughly planning what is going to happen when you die, yes can be a bit of a downer but it so important for you take the time to do it.Having a well thought out Estate Plan will give you peace of mind that everyone you love will be taken care of.Elder law attorney From Harris Beach Lisa Powers joins the conversation today.Breaking down the ways you can start the process and how much of an investment can you expect it to be.Cheers to being a financially confident woman!If you have any questions about Estate planning you can reach out to Lisa Powers: https://www.harrisbeach.com/bio/powers-lisa-m/If you have a topic you want us to cover on the show just let me know sandywaters989@gmail.comQuick favor, subscribe and leave us a review if you're listening on a podcast app.That' would be awesome. (it makes me look good to the big bosses here)See omnystudio.com/policies/listener for privacy information.
24 min
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139. Changes to the SECURE Act will Jill Schles...
The changes to the SECURE Act will Jill Schlesinger This week I thought I'd share with you a conversation that we had a few weeks ago on the radio morning show I cohost "Spezzano and Sandy" 98.9 The Buzz.  It was a conversation that a lot of our listeners took interest in. CBS News Business Analyst Jill Schlesinger was on the air with us talking about the changes to the SECURE Act.  Whether or not any of these changes directly impact you, it's always good to stay on top of what's going on with your retirement plan.  Here's where you can follow Jill, read up on her latest blog or pick up her book "Dumb things Smart People Do With Their Money" https://www.jillonmoney.com/See omnystudio.com/policies/listener for privacy information.
9 min
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138. The Biggest Surprise in Retirement with St...
The Biggest Surprise in Retirement with Steve HausmannFor many of you, if not all of you, retirement is a goal you are working towards. Some people have an age in mind of when they want to retire. Others, are all about growing their money to a certain amount where they feel comfortable walking away from their day job.We all have a picture in our minds of what that day will be like. Is it what we imagine? Freedom. Minimal stress. More time.Today, we chat with legendary broadcaster, a close friend of mine, Steve Hausmann who just retired after 51 years in the business.Steve was one of the very first people I worked with in radio when I first started at age 18. A very fun guy. A guy you never thought would retire.  He candidly talks with us about how he decided now was the right time. The biggest surprise in retirement. His biggest regret and of course with age comes wisdom, he'll give his best piece of advice for anyone who has a goal of retiring someday. Reach out to Steve or learn more about his new business (I told you he's a guy who will never fully retire) Haus Calls Productions  https://www.facebook.com/HausCallProductions/Cheers to being a financially confident woman! See omnystudio.com/policies/listener for privacy information.
20 min
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137. The 3 Ps Every Woman Should Have in Her Wa...
The 3 Ps Every Woman Should Have in Her Wardrobe with Alyssa Whitfield Founder and CEO of Dress for Success RochesterThe power of having confidence goes a long way.Yes, money and confidence are interchangeable.  The more confidence you have, many will argue, the more money you'll make.I'm sure you've heard it before, most people get 90% through a project and then just quit. That final 10% to create something extraordinary is where you need to lean on your confidence. Dig deep and believe that you got what it takes to go that last and final mile.But in life, things happen and sometimes we lose our confidence along the way.  Whether it's a job loss, divorce or other confidence crushing moment.Alyssa Whitfield and her team at Dress for Success Rochester are dedicated to building women back up and getting them prepared and ready for their career step.Alyssa is just fantastic! She is a woman who energizes and owns any room she walks into. How does she do it?She will teach us her secrets today.-How to feel confident in an intimidating setting ( Yes, that includes the boss's office asking for a job or pay increase)-And of course the founder of Dress for Success can't be on the show without telling us they key pieces we all need to have in our closet.  Alyssa calls it the "3 Ps" every woman should have in her wardrobe.You can reach out to Alyssa Whitfield and learn more about Dress for Success here: https://rochester.dressforsuccess.org/Cheers to being financially confident women! See omnystudio.com/policies/listener for privacy information.
26 min
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137. The 3 Ps Every Woman Should Have in Her Wa...
The 3 Ps Every Woman Should Have in Her Wardrobe with Alyssa Whitfield Founder and CEO of Dress for Success RochesterThe power of having confidence goes a long way.Yes, money and confidence are interchangeable.  The more confidence you have, many will argue, the more money you'll make.I'm sure you've heard it before, most people get 90% through a project and then just quit. That final 10% to create something extraordinary is where you need to lean on your confidence. Dig deep and believe that you got what it takes to go that last and final mile.But in life, things happen and sometimes we lose our confidence along the way.  Whether it's a job loss, divorce or other confidence crushing moment.Alyssa Whitfield and her team at Dress for Success Rochester are dedicated to building women back up and getting them prepared and ready for their career step.Alyssa is just fantastic! She is a woman who energizes and owns any room she walks into. How does she do it?She will teach us her secrets today.-How to feel confident in an intimidating setting ( Yes, that includes the boss's office asking for a job or pay increase)-And of course the founder of Dress for Success can't be on the show without telling us they key pieces we all need to have in our closet.  Alyssa calls it the "3 Ps" every woman should have in her wardrobe.You can reach out to Alyssa Whitfield and learn more about Dress for Success here: https://rochester.dressforsuccess.org/Cheers to being financially confident women!See omnystudio.com/policies/listener for privacy information.
26 min
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136. The Fine Print of Investing with CFP Erica...
The Fine Print of Investing with CFP Erica CummingsIt's 2020You may have said it to yourself that THIS year is THE year you are going to take control of your finances.Great! Yes, at first it might feel a bit daunting and overwhelming, but no worries we've designed these podcast episodes to make it easy to understand and follow.The first Friday of every month CFP, VP at Morgan Stanley Erica Cummings will be  our guest.  Erica has been in the financial business for well over a decade. Her passion is to educate people, especially women about finances.Lack of financial understanding leaves you vulnerable to the people who are pitching a product or selling you their "perfect financial strategy." Sometimes it is a good product or strategy. But how do you know for sure? When is it too good to be true?This month, Erica focuses on the fine print of investing. From basic savings accounts to CDs to investing in the market here's the expectation.Cheers to being financially confident women!To learn more about Erica and her free workshops: https://advisor.morganstanley.com/erica.cummingsSee omnystudio.com/policies/listener for privacy information.
14 min
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135. 88 years of Financial Wisdom with Pat Ward...
88 years of Financial Wisdom with Pat Ward-BakerThe “Wall Street Wordsmith,” stockbroker, named 1 of the 10 most stylish Rochesterians, PhD in gerontology.88 years young Pat Ward-Baker says she “Loves to talk about the field of how to make money.”Ever since she was a little girl, she took interest in her father’s passion for investing. Which later lead her to be one of the first female institutional sales professionals in the country. Selling investments to banks and other big companies.Today, we are going to soak up as much of Pat’s wisdom as we can. Including how she stays young.Enjoy the conversation.Cheers to being a financially confident woman!Learn more about Pat: http://www.patwardbaker.com/about-pat/See omnystudio.com/policies/listener for privacy information.
23 min
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134. The 4 Biggest Mistakes Investors Make with...
It's the first Friday of the month and if you're a frequent listener of the podcast you know that means CFP, VP at Morgan Stanley Erica Cummings joins the conversation again.Erica has laid out the monthly plan for success. For all of you who have been diligently following along, we hope you're in a better place with your finances. Have a better understanding of what's going on and that you are more proactive with your future goals.As we finish up the year, this month Erica wants to make sure you don't fall prey to the "The 4 Biggest Mistakes Investors Make."  These mistakes can possibly set you back and slow down your financial momentum. These are mistakes that even the most savvy investor is tempted to make.Cheers to being financially confident women!To reach out to Erica Cummings: https://advisor.morganstanley.com/erica.cummingsSee omnystudio.com/policies/listener for privacy information.
19 min
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133. Holiday Charity Scams to Watch Out For wit...
A little extra gift for you this week.As many of you know I also host a radio morning show "Spezzano and Sandy" on 98.9 The Buzz. CBS News Business Analyst Jill Schlesinger is on the show with us every week. This week Jill brought up a very important topic that I felt all of you should be aware of too. There has been an uptick in Charity Scams lately. Here are the scams to watch out forSee omnystudio.com/policies/listener for privacy information.
10 min
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132. Simplified explanation of Medicare and Med...
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.
20 min
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131. Reclaiming Your Financial Life After Divor...
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.
25 min
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130. The Pros and Cons of Multilevel Marketing ...
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.
24 min
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129. Resume and Job interview hacks with Mike M...
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.
25 min
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128. 5 Principles for Financial Success- with E...
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.
37 min
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127. Financially Protecting A Loved One With Sp...
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.
21 min
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126. Should Your Finances Stop You From Getting...
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.
19 min
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125. The Minority Mindset with Jaspreet Singh
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.
21 min
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124. Breaking Down the Difference Between Roth ...
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.
38 min
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123. Mom and Dad, Let's Have The Talk- with Lis...
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.
29 min
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122. Getting Paid What You're Worth with Sheila...
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.
23 min
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121. Adulting 101 with Pete Hardesty
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.
26 min