KTs Money Matters

In this episode, KT and Tammy Symons discuss:

Knowing where you are and understanding your need for budgeting.Steps to budgeting and prioritizing your goals.Utilizing the tools around you, reputable apps, bank or credit union tools, etc. to your advantage.Being thoughtful about one-off decisions and discretionary funds.Key Takeaways:

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

Connect with Tammy Symons:

Website: www.newdaysolutions.com

Email: [email protected]

Phone: 800-834-2101

Click here to reach KT 

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

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

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

Show Notes by Podcastologist: Chelsea Taylor-Sturkie

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In this episode, KT and Meg Myers Morgan discuss:

Negotiations are tied to value, not just money.Challenges Meg has faced in gaining the successes she has had.Being willing to negotiate and ask for the things you want.The biggest hurdles women give themselves.Key Takeaways:

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

Connect with Meg Myers Morgan:

Website: MegMyersMorgan.com

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

Click here to reach KT 

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

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

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

Show Notes by Podcastologist: Chelsea Taylor-Sturkie

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

In this episode, KT discusses:

What Black Swan Events are and how they can affect the world.How Mortgage Changing (mortgages changing hands from one bank/lender to another) has changed over the last 20 years.How the 5 Black Swan Events of the last 20 years have changed how people spend money and invest.Things KT sees as potential risks in the future.Key Takeaways:

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

Click here to reach KT 

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

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

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

Show Notes by Podcastologist: Chelsea Taylor-Sturkie

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

In this episode, KT discusses:

How long 6% savings might last after retirement.Retirees are now living longer than they have before and how that has changed the way we must look at retirement.Ways to shore up your retirement.Things you can do now to make sure you are handling your money now to give you the best retirement possible.Key Takeaways:

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

Click here to reach KT  

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

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

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

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

In this episode, KT and Tammy Symons discuss:

The benefit of paying off your mortgage versus investing your money.Some of the factors to consider when you’re going into retirement.The historical pattern of mortgage interest rates over the last 10+ years and how it is changing now.The pros and cons of some of the ways in which you can use your investments to pay/pay off your mortgage.Key Takeaways:

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

Connect with Tammy Symons:

Website: www.newdaysolutions.com

Email: [email protected]

Phone: 603-758-1101

Click here to reach KT  

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

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

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

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

Marty Sink – CASA of New Hampshire

In this episode, KT and Marty Sink discuss:

How to start a charity and those things Marty didn’t know until she had started.What CASA of New Hampshire does and how it helps children and families in the community.How CASA of New Hampshire grew and how it has changed since it’s originally start up.Ways to get involved with CASA of New Hampshire. 

Key Takeaways:

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

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

Connect with Marty Sink:

Website: casanh.org

Email: [email protected]

Click here to reach KT 

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

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

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

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

In this episode, KT and Leena Patidar discuss:

How the Coin Up App works, the transparency of the app, and how the app got started.How to get the Coin Up App and the cost for someone to enroll.Leena’s original involvement and why she decided to get involved in charities.Creating a new way, a new form, of giving that can be done at your level.Key Takeaways:

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

Connect with Leena Patidar:

Twitter: @CoinUpApp

Website: www.coinupapp.com

LinkedIn: Leena Patidar

Click here to reach KT  

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

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

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

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

In this episode, KT and Sylvie di Giusto discuss:

What an image consultant is and what they do.How what you do on social media is just as important as what your appearance says about you.Ways to show your individuality while keeping with your professional image.Managing your image for long-term, not just today. Think about where you want to be, then present yourself as that now with your appearance and communication skills.Key Takeaways:

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

Connect with Sylvie di Giusto:

Twitter: @SylviediGiusto

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

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

LinkedIn: Sylvie di Giusto

Show References:

www.ShopStyle.com

Click here to reach KT 

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

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

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

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

In this episode, KT discusses:

How the market trends in August due to vacations.Diversifying and risk and how it worked with the market this year.Why people don’t sell even when prices are high.What stock buy backs are, why they matter, and how it is effecting the markets this year.Key Takeaways:

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

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

Referenced: The Motley Fool

Click here to reach KT  

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

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

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

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

In this episode, KT and Joan Kuhl discuss:

The day to day barriers that hold women back in business.The benefits of women’s conferences.The power of drive-time education.Being willing to embark on learning journeys with those in your company, and keeping the doors of communication open regarding these topics. 

Key Takeaways:

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

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

Connect with Joan Kuhl:

Website:  whymillenialsmatter.com & thekuhlco.com

Email:  [email protected]

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

Click here to reach KT  

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

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

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

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