KTs Money Matters

KTs Money Matters

Working with your investments, retirement, insurance, estate or tax planning or just dealing with everyday expenses- your money matters. Let KT Thomas help you make the most of it. This is Money Matters.

Episodes

April 8, 2020 11 min
In this episode KT discusses: ·     What travel might look like in 2020 ·     Staycations could be coming back ·     Gas prices are hitting once-in-a-decade lows          Key Takeaways: ·     Consider a road trip ·     The market always rebounds ·     Now might be the time to buy and enjoy the recovery Quote: “Everybody always says, every single time, ‘this time it’s different.’ After almost 30 years as an investor, what I’ll say...
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In this episode KT discusses: ·     Your financial “to do” list while stuck inside ·     How to take advantage of the tax delay ·     Details on the student loan deferment (if you qualify) Key Takeaways: ·     Understand if you are getting a credit or a refund for unused goods and services during the crisis ·     Things to take advantage of during this time (like cheap gas) ·     Hot COVID-19 and other scams making the rounds Quo...
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March 25, 2020 19 min
In this episode KT discusses: ·     How Fear is driving everything from the market to the grocery store ·     Strategies for those close to retirement or far away ·     Why you shouldn’t let fear rule Key Takeaways: ·     Advice for investors ·     Advice for homebuyers ·     Advice for car buyers Quote: “Fear is a funny thing. It causes people to do things that don’t make sense, just so they can feel like they control something....
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In this episode KT discusses: ·     How to interpret the market ·     FOMO: Fear of Missing Out ·     FOE: Fear of Everything Key Takeaways: ·     Strategies for all types of investors ·     The market always rebounds ·     Now might be the time to buy and enjoy the recovery Quote: “Everybody always says, every single time, ‘this time it’s different.’ After almost 30 years as an investor, what I’ll say to you is ‘no its not.’ Som...
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In this episode KT discusses: ·     How to turn your home into a vacation rental ·     Pros and cons of short-term rentals ·     The rental site learning curve Key Takeaways: ·     The hidden costs of renting ·     Know the tax laws in your area ·     The truth behind the reviews Quote: “(Guests) don’t expect (your rental) to be a hotel. They expect you to be immaculate and operational. If you’re not willing to do that, work hard...
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February 26, 2020 24 min
In this episode KT discusses: ·     Booking a home vs. a hotel for your vacation ·     Pros and cons of services like Airbnb, Vrbo, FlipKey, etc. ·     KT’s vacation home rental horror story Key Takeaways: ·     One company owns two of the largest vacation rental companies ·     Do your research before renting ·     Last-minute rentals might get a deal, if you ask for it. Quote: “Booking houses is (these companies) gig. Customer ...
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February 19, 2020 27 min
KT 125: Tiny Houses and Downsizing Air Date: 02/19/20 In this episode KT discusses: ·     How the McMansion trend turned into the tiny home trend ·     If tiny houses are better than trailers ·     Baby Boomers: the high cost of downsizing Key Takeaways: ·     The pros and cons of tiny house ownership ·     The rule you should use when considering buying a home of any size ·     Downsizing could be jumbo-sizing your Quote: “Con...
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February 12, 2020 25 min
In this episode KT discusses: ·     Changes in the Tax Laws ·     Why you could be paying too much for tax preparation ·     Taking the Standard Deduction vs. Itemizing Key Takeaways: ·     Free tax prep options ·     The hidden cost of a fast refund ·     Why your CPA may not be working as hard as before Quote: “This is your money. You worked hard all last year for it. If you’re due a tax return this is money you’ve overpaid the...
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February 5, 2020 21 min
In this episode KT discusses: ·     What is a Stretch IRA ·     The Secure Act of 2019 ·     How this new law could effect you Key Takeaways: ·     How The Secure Act hurts savers ·     The retirement planning changes you need to make ·     Think about how your retirement could impact your children Quote: “What this really means is (the government) created a disadvantage for working and saving Americans over wealthy Americans wh...
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January 29, 2020 15 min
If you want to hear the first discussion of “unicorn” companies, click here. In this episode KT discusses: ·     How unicorn companies are “the rookies” of Corporate America ·     The real risk of these IPOs ·     WeWork’s downfall as a cautionary tale Key Takeaways: ·     Only one of 2019's Unicorns is making money ·     What industries need to turn a profit in 2020 ·     The latest Unicorn buzz has parallels to the .com bu...
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In this episode KT discusses: ·     The “overconfidence” problem ·     The exchange-traded fund (ETF) advantage ·     Two types of investors: those with risk tolerance and those without Key Takeaways: ·     Most U.S. markets saw double-digit gains in 2019 ·     Don’t be nudged by somebody else’s investment ideas ·     The benefits of a “blended fund” Read the article that inspired this episode: https://www.barrons.com/articles/r...
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January 15, 2020 19 min
In this episode KT discusses: ·     Thinking about retirement in your 50s ·     Retirement pre-planning ·     The “retirement paycheck” Key Takeaways: ·     The ups and downs of downsizing ·     The pros and cons of working longer ·     Consider debt in retirement Quote: “I see it all of the time. People thinking they’re going to retire and then they get closer. They can’t figure out what they’re going to do when they (retire) ...
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In this episode KT discusses: ·     Realtors vs. For Sale By Owner ·     The actual cost of a realtor ·     What you can do with the money you saved Key Takeaways: ·     5 steps to selling a home by yourself ·     25% of home sales are by owner ·     Pre, during and post-sale steps Learn more about your ad choices. Visit megaphone.fm/adchoices
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In this episode KT discusses: ·     The top New Year’s resolutions ·     People tend to have a haphazard approach to money ·     KT’s personal story of semi-retirement Key Takeaways: ·     Educate yourself, there are a lot of resources out there ·     The credit score myth ·     Savings and bill paying strategies  Click here to reach KT  See KT’s interview on C-Suite Network’s Best Seller TV Connect with KT Thomas: http://ktsmone...
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December 25, 2019 26 min
In this episode KT discusses: ·     Recurring income during retirement ·     The reality of people living longer ·     KT’s personal story of semi-retirement Key Takeaways: ·     11,000 Americans retire every day ·     30% of Americans spend retirement income on debt ·     19% of retirees work, money isn’t the only reason why Click here to reach KT  See KT’s interview on C-Suite Network’s Best Seller TV Connect with KT Thomas: h...
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December 18, 2019 17 min
In this episode KT discusses: ·     The market’s so-called Santa Claus Rally ·     What could contribute to end of the year gains ·     Why the rally may not matter Key Takeaways: ·     Most big investors take December off ·     There might be tax reasons for the rally ·     End of year rallies are random Click here to reach KT  See KT’s interview on C-Suite Network’s Best Seller TV Connect with KT Thomas: http://ktsmoneymatters...
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December 11, 2019 19 min
In this episode KT discusses: ·     Consumer characteristics ·     How to be more mindful of your spending habits ·     KT’s 4 steps to being a conscious consumer Key Takeaways: ·     Practice the 24 hour rule ·     Don’t buy the wrong size, color, style just because its on sale ·     Abandon your online “cart” daily. Quotes: “You used to go to the malls once a week, but now you shop every day. We’re not going the right way.” –...
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December 4, 2019 10 min
We head back to the archives to learn why you need to have a plan for your estate. In this episode, KT discusses: Why a will is important Legal ramifications if you don't have a will Engaging an attorney  Key Takeaways: In most States, if you don't have a will your finances will get split between your spouse and your children The number one reason why people don't do estate planning is getting over the fact that they mi...
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November 27, 2019 6 min
In this episode we travel back in the archives to talk about the difference between men's and women's products. Often times, products packaged in pink are more expensive and contain less of the actual product when compared to men's productsIf you're the type of person that doesn't like scented things, buying the non-scented "guy" version of the product can save you money    "A little bit of spending ...
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In this episode Andy Graning joins KT to discuss: ·     What it means to cut the (cable) cord ·     What does a Roku or a Fire TV Stick do ·     KT’s 4 steps to lowering your cable bill Key Takeaways: ·     Don’t quit cable cold turkey ·     Figure out what shows and channels you need ·     The power of an antenna Quotes: “I think cable cutting is great. I will preach it to anyone that will listen, but for you it might not be th...
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