Ryan and Sandy interview Schwab Charitable president Kim Laughton on why you should use a donor-advised fund for year-end charitable giving. The co-hosts share tips on avoiding ID theft and scams during the holiday season, and Peloton and Costco both feature in a new edition of Deal or No Deal.

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ID theft – act now to protect yourself: https://www.kiplinger.com/article/credit/T048-C000-S002-identity-theft-act-now-to-protect-yourself.html; 6 scams to watch out for over the holidays: https://www.kiplinger.com/article/spending/T057-C011-S001-scams-to-watch-out-for-this-holiday-season.html; 7 smart moves to avoid identity theft: https://www.kiplinger.com/slideshow/credit/T023-S002-smart-moves-to-prevent-identity-theft/index.html; 5 charitable planning options that can save you money on taxes: https://www.kiplinger.com/slideshow/credit/T023-S002-smart-moves-to-prevent-identity-theft/index.html; Give the money, keep the tax break with donor-advised funds: https://www.kiplinger.com/article/investing/T054-C032-S014-give-money-keep-tax-break-with-donor-advised-funds.html; 17 best Kirkland products for the holidays: https://www.kiplinger.com/slideshow/spending/T050-S001-17-best-costco-kirkland-products-for-holidays-2019/index.html

Sandy and Ryan interview Kiplinger investing honcho Anne Smith on trends that will move markets in 2020. The cohosts discuss ways to thwart package thieves, and a new batch of Wild Pitches offer lessons for shopping for car insurance and investing in real estate investment trusts.

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ID thieves exploit snail mail: https://www.kiplinger.com/article/spending/T048-C000-S002-id-thieves-exploit-snail-mail.html; Protect your online purchases: https://www.kiplinger.com/article/spending/T050-C000-S002-protect-your-online-purchases.html; Put smart-home technologies to work for you: https://www.kiplinger.com/article/real-estate/T057-C000-S002-put-smart-home-technologies-to-work-for-you.html; Where to invest in 2020: https://www.kiplinger.com/article/investing/T052-C008-S002-where-to-invest-2020.html; Anne’s interview with Ally Invest’s Lindsey Bell: https://www.kiplinger.com/article/investing/T019-C000-S002-expect-a-year-of-moderate-gains-strategist-says.html; Six steps to cut your car insurance rates: https://www.kiplinger.com/slideshow/insurance/T004-S002-6-steps-to-cut-your-car-insurance-rates/index.html; The 10 best REITs for 2020: https://www.kiplinger.com/slideshow/investing/T044-S001-the-10-best-reits-to-buy-for-2020/index.html

Ryan and Sandy welcome DealNews consumer analyst Julie Ramhold to the show to help you make a plan for finding the best deals on Black Friday. The cohosts discuss all the financial things that we have to be thankful for, and Sandy explains how folks without traditional corporate benefits can save for retirement.

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12 things to be thankful for in 2019: https://www.kiplinger.com/slideshow/business/T019-S001-12-things-to-be-thankful-for-in-2019/index.html; The best Amazon Black Friday deals: https://www.kiplinger.com/article/spending/T050-C011-S001-best-amazon-black-friday-doorbusters-deals-2019.html; 13 ways black Friday retailers trick shoppers: https://www.kiplinger.com/slideshow/spending/T050-S001-ways-black-friday-retailers-trick-holiday-shoppers/index.html; Retirement plans for the self-employed (Rivan’s version from KPFM isn’t up yet I don’t think): https://www.kiplinger.com/article/retirement/T047-C000-S004-retirement-savings-plans-for-the-self-employed.html; Retirement plans for the entrepreneur: https://www.kiplinger.com/article/retirement/T047-C032-S014-retirement-plans-for-the-entrepreneur.html; How much can you contribute to a Solo 401(k) in 2019?: https://www.kiplinger.com/article/retirement/T001-C000-S001-how-much-can-you-contribute-to-a-solo-401-k-2019.html

Ryan and Sandy interview Ask a Manager’s Alison Green on when and how to ask for a raise. The cohosts tell parents of high schoolers why they need to file the FAFSA ASAP, and a new edition of Wild Pitches features a $3,000 exercise bike and a greeting card that turns into a towel.

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File the FAFSA: https://studentaid.ed.gov/sa/fafsa; Why you should file the FAFSA now: https://www.kiplinger.com/article/college/T053-C001-S003-file-fafsa-more-financial-aid-2018-19-school-year.html; Financial aid considerations when saving for college: https://www.kiplinger.com/article/college/T065-C032-S014-5-key-financial-aid-considerations-for-college.html; The Ask a Manager guide to asking for a raise: https://www.askamanager.org/2018/02/the-ask-a-manager-guide-to-asking-for-a-raise.html; Ryan’s gift-giving guide for the truly broke: https://www.kiplinger.com/article/spending/T050-C006-S003-a-gift-giving-guide-for-the-truly-broke.html

Kiplinger’s editor-at-large and retirement columnist Janet Bodnar rejoins the show for a discussion on retiring as a couple. Sandy and Ryan talk tax breaks and perks for members of the military on Veterans Day. Medical spending and value investing feature in a new edition of Deal or No Deal.

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10 best financial benefits for military families: https://www.kiplinger.com/slideshow/saving/T065-S000-10-best-financial-benefits-for-military-families/index.html; Retire in sync with your spouse: https://www.kiplinger.com/article/retirement/T047-C022-S002-retire-in-sync-with-your-spouse.html; Six things married couples should think about when they talk about retirement: https://www.kiplinger.com/article/retirement/T065-C032-S014-married-couples-talk-when-planning-for-retirement.html; Retirement planning wrinkles for couples with age gaps: https://www.kiplinger.com/slideshow/retirement/T037-S004-retirement-planning-wrinkles-couples-with-age-gaps/index.html; Ways to spend your FSA: https://www.kiplinger.com/article/spending/T027-C001-S003-ways-to-spend-your-flexible-spending-account-money.html; Using your FSA for DNA tests: https://fsastore.com/learn/eligibility/fsa-dna-tests; The smart money is looking for value stocks: https://www.kiplinger.com/article/investing/T052-C008-S001-the-smart-money-is-looking-for-value-stocks.html; Ryan on value vs. growth (2018): https://www.kiplinger.com/article/investing/T052-C000-S002-value-vs-growth-stocks-which-will-come-out-on-top.html

Sandy and Ryan interview Amanda Lannert on all the things you should consider when choosing insurance plans during open enrollment. The co-hosts give you money moves to make right now, and a new edition of Deal or No Deal touches on student loan relief programs and Black Friday sales.

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Money moves to make now: https://www.kiplinger.com/slideshow/saving/T023-S002-money-moves-to-make-now-to-prepare-for-2020/index.html; What you should know about open enrollment: https://www.kiplinger.com/article/insurance/T027-C000-S002-what-you-should-know-about-open-enrollment.html; Dealnews on Thanksgiving “creep”: https://www.dealnews.com/features/black-friday/How-Deals-Will-Differ-on-Thanksgiving-Black-Friday-Cyber-Monday/; FTC on student loan debt relief schemes: https://www.ftc.gov/news-events/press-releases/2019/07/ftc-stops-student-loan-debt-relief-scheme-charges-operators; Dept. of Ed on how to repay your loans: https://studentaid.ed.gov/sa/repay-loans

Kiplinger content head Sarah Stevens joins the show to talk the advantages, risks, obstacles and considerations around testing your DNA. The cohosts dish on the scary overages you may face while paying with debit, and Sandy quizzes Ryan on what’s taxable and what’s not.

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Credit, debit or cash? https://www.kiplinger.com/article/credit/T016-C000-S002-credit-debit-or-cash.html; Better protections for prepaid debit cards: https://www.kiplinger.com/article/credit/T005-C000-S002-better-protections-for-prepaid-debit-cards.html; Discover your roots with DNA testing: https://www.kiplinger.com/article/spending/T065-C000-S002-discover-your-roots-with-dna-testing.html; Browse Kiplinger’s online quizzes: https://www.kiplinger.com/fronts/archive/quiz/index.html

Sandy breaks down the newest edition of Kiplinger’s state-by-state tax map in a main-segment interview. The cohosts dish on free shipping deals and lesser known Amazon Prime benefits, and a new Wild Pitches segment gets a little racy.

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The 31 best Amazon prime benefits to use in 2019: https://www.kiplinger.com/slideshow/spending/T050-S001-27-best-amazon-prime-benefits-of-2019/index.html; Free Shipping Day: https://www.freeshippingday.com/; Kiplinger’s 2019 tax map: https://www.kiplinger.com/tool/taxes/T055-S001-kiplinger-tax-map/index.php?rid=PROD-LINKS; Kiplinger’s 2018 retiree tax map: https://www.kiplinger.com/tool/retirement/T055-S001-state-by-state-guide-to-taxes-on-retirees/index.php; How to build credit history: https://www.kiplinger.com/article/credit/T017-C000-S002-how-to-build-a-credit-history.html; Why consumers shouldn’t panic over China tariffs (Consumer Reports): https://www.consumerreports.org/shopping/why-consumers-should-not-panic-over-china-tariffs/

Ryan and Sandy talk to Ryan’s estate lawyer sister, Lindsey Ermey, about why estate plans aren’t just for the super-rich. Ryan fills you in on the latest moves in the broker price wars, and Deal or No Deal tackles hair loss drug subscription services and the Yahoo rebate.

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Major brokers go commission-free: https://www.kiplinger.com/article/investing/T047-C008-S001-charles-schwab-commission-free-stocks-etfs-options.html; Ryan’s broker ranking: https://www.kiplinger.com/slideshow/investing/T052-S002-best-online-brokers-2019/index.html; How to pick the right broker for you: https://www.kiplinger.com/article/investing/T052-C000-S002-we-rank-the-online-brokers.html; Kiplinger’s estate planning home: https://www.kiplinger.com/fronts/special-report/estate-planning/index.html; Estate planning – a family affair: https://www.kiplinger.com/article/saving/T021-C000-S002-estate-planning-a-family-affair.html; 10 common estate planning errors: https://www.kiplinger.com/article/retirement/T021-C032-S014-10-surprisingly-common-estate-planning-mistakes.html; Kiplinger’s estate planning quiz: https://www.kiplinger.com/quiz/retirement/T021-S001-know-about-wills-test-your-estate-planning-smarts/index.html; Yahoo reaches data breach settlement: https://www.kiplinger.com/article/business/T057-C000-S002-yahoo-reaches-data-breach-settlement.html; Yahoo settlement site: https://yahoodatabreachsettlement.com/en/Contact/contact; How to save on prescriptions: https://www.kiplinger.com/article/insurance/T027-C001-S002-how-to-save-on-prescription-drugs.html

Kiplinger.com tax editor Rocky Mengle joins the show to tell you everything you need to know about the October 15 tax deadline. Ryan and Kiplinger car guy David Muhlbaum discuss preparing your car and home for winter. Both guests stay on for a game of financial Jeopardy!

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Prepare your home for winter:  https://www.kiplinger.com/slideshow/real-estate/T029-S001-12-ways-to-prepare-your-home-for-winter/index.html; Winter car care and maintenance tips: https://www.kiplinger.com/slideshow/cars/T009-S001-winter-car-care-and-maintenance-tips/index.html; Tax moves to make before October 15: https://www.kiplinger.com/article/retirement/T055-C005-S004-extended-tax-deadline-moves-before-october-15.html; How well do you know Wall Street jargon? https://www.kiplinger.com/quiz/investing/T038-S001-how-well-do-you-know-wall-street-jargon/index.html; Jeopardy’s trickiest investing questions: https://www.kiplinger.com/quiz/investing/T052-S003-jeopardy-trickiest-investing-questions/index.html