Podcasts about making cents

Concerned about filing your taxes by the April 15th deadline? In this micro-episode of Making Cents of Money, we walk you through the process of filing for an extension and offer some helpful reminders about tax liabilities in general. Show notes: Extension for Filing: IRS Form 4868: https://www.irs.gov/forms-pubs/about-form-4868 Illinois Tax Extension Information: https://tax.illinois.gov/individuals/filingrequirements/extension.html Making Cents of Money, Episode 99, Financial Socialization: https://soundcloud.com/idfpr/episode-99-financial-socialization?utm_source=clipboard&utm_campaign=wtshare&utm_medium=widget&utm_content=https%253A%252F%252Fsoundcloud.com%252Fidfpr%252Fepisode-99-financial-socialization Get Savvy: Grow Your Green Stuff, Tackling Tax Basics: https://www.youtube.com/watch?v=r5kBeRHplTY

April is #NationalFinancialCapabilityMonth and Making Cents of Money is celebrating with an episode that covers a variety of financial topics that reference favorite throwback episodes. Ready for a challenge this month? Tune in to learn more. Show Notes: Making Cents of Money Episodes • Episode 101: New Year, New Financial Resolutions: https://soundcloud.com/idfpr/episode-101-new-year-new-financial-resolutions?si=09578c6ba28040a6b3b56260fc9fd276&utm_source=clipboard&utm_medium=text&utm_campaign=social_sharing • Episode 91: Retirement Savings in Illinois: https://soundcloud.com/idfpr/episode-91-retirement-savings-in-illinois?si=a573cc37160345ed857904b3da4d8447&utm_source=clipboard&utm_medium=text&utm_campaign=social_sharing • Episode 90: Back to School: College and Credit: https://soundcloud.com/idfpr/episode-90-back-to-school-college-and-credit?si=59d2e6f067714030a6cc2134f6700250&utm_source=clipboard&utm_medium=text&utm_campaign=social_sharing • Episode 88: Financial Wellness Concepts: https://soundcloud.com/idfpr/episode-88-financial-wellness-concepts?si=1477cb78feae4add9792f9849d3808e8&utm_source=clipboard&utm_medium=text&utm_campaign=social_sharing • Episode 82: Free Financial Education Resources for Illinois Residents: https://soundcloud.com/idfpr/sto?si=2f8559d9b5ba4b1e9f9d6067914e88cd&utm_source=clipboard&utm_medium=text&utm_campaign=social_sharing • Episode 72: Budgeting and Financial Planning: https://soundcloud.com/idfpr/sets/budgeting-financial-planning?si=6a9c76d0112146ce8bdeb7dfa3130e0e&utm_source=clipboard&utm_medium=text&utm_campaign=social_sharing • Episode 70: Establishing and Managing Credit: https://soundcloud.com/idfpr/sets/establishing-managing-credit?si=6a9ec01a0c014cdda669638db760169b&utm_source=clipboard&utm_medium=text&utm_campaign=social_sharing • Episode 67: What is a Credit Report Anyway?: https://soundcloud.com/idfpr/episode-67-whats-a-credit-report-anyway?si=467b672c529647a4932ee79883b3e592&utm_source=clipboard&utm_medium=text&utm_campaign=social_sharing • Episode 26: Building an Emergency Fund: https://soundcloud.com/idfpr/episode-26-emergency-funds?si=6fc286c508264a658d15f6235a79f589&utm_source=clipboard&utm_medium=text&utm_campaign=social_sharing

Making Cents of the Markets for Apr 2, 2025 Time for Making Cents of the Markets with Lori Pinkowski.  Lori Pinkowski is a Senior Portfolio Manager at Canaccord Genuity. You can contact The Pinkowski Wealth Management team directly at 604-695-LORI or visit their website at Pinkowski.ca Learn more about your ad choices. Visit megaphone.fm/adchoices

Managing money isn't one-size-fits-all—especially for neurodivergent individuals. In this episode of Making Cents of Money, we explore how ADHD, autism, dyslexia, and executive functioning challenges impact personal finance. Show Notes: • Illinois Assistive Technology Program: https://iltech.org/ • Illinois ABLE Program: https://illinoisable.com/ • ADA National Network. n.d. “What is the definition of disability under ADA?” https://adata.org/faq/what-definition-disability-under-ada. • Altszuler, A. R., T. F. Page, E. M. Gnagy, S. Coxe, A. Arrieta, B. S. Molina, and W. E. Pelham Jr. 2016. “Financial Dependence of Young Adults with Childhood ADHD.” Journal of Abnormal Child Psychology 44 (6): 1217–1229. https://doi.org/10.1007/s10802-015-0093-9. • American Psychological Association. n.d. “Speaking of Psychology: The Stress of Money.” American Psychological Association. www.apa.org/research/action/speaking-of-psychology/financial-stress. • Komarow, A. 2020. “Neurodiversity and Finances: Planning for the Future When You Think Differently.” Different Brains. www.differentbrains.org/neurodiversity-finances-planning-for-the-future-when-you-think-differently/. • How Being Neurodiverse Affects Your Relationship With Money, Duke University Career Hub: https://careerhub.students.duke.edu/blog/2025/01/03/how-being-neurodiverse-affects-your-relationship-with-money/ • An Inclusive Approach to how Financial Institutions Might Design Financial Information for Neurodiversity Accessibility: https://openresearch.ocadu.ca/id/eprint/4020/1/Copeland_Jocelyne_Mbaziira_Isaac_2023_MDES_SFI.pdf • Financial Literacy Among Autistic Adults, The Journal of Consumer Affairs: https://onlinelibrary.wiley.com/doi/full/10.1111/joca.12564 • Inclusive Financial Well-being Empowerment Model for Serving Independent, Neurodivergent Individuals: www.financialplanningassociation.org/article/journal/NOV21-inclusive-financial-well-being-empowerment-model-serving-independent-neurodivergent Centers for Disease Control and Prevention. (2024, May 16). Data and statistics on autism spectrum disorder. U.S. Department of Health & Human Services. Retrieved from https://www.cdc.gov/autism/data-research/index.html FT Adviser. (2024, May 9). Understanding the financial challenges faced by neurodivergent people. Retrieved from https://www.ftadviser.com/investments/2024/05/09/understanding-the-financial-challenges-faced-by-neurodivergent-people/ National Disability Institute. (n.d.). National Disability Institute and the Association for Financial Counseling and Planning Education® launch Financial Inclusion Essentials. Retrieved from https://www.nationaldisabilityinstitute.org/press/national-disability-institute-and-the-association-for-financial-counseling-and-planning-education-launch-financial-inclusion-essentials-2/ Shattuck, P., Narendorf, S., Cooper, B., Sterzing, P., Wagner, M., & Taylor, J. (2012). Postsecondary education and employment among youth with an autism spectrum disorder. Pediatrics, 129(6), 1042-1049. https://doi.org/10.1542/peds.2011-2864. Retrieved from https://www.researchgate.net/publication/224958489_Postsecondary_Education_and_Employment_Among_Youth_With_an_Autism_Spectrum_Disorder

Time for Making Cents of the Markets with Lori Pinkowski.  Lori Pinkowski is a Senior Portfolio Manager at Canaccord Genuity. You can contact The Pinkowski Wealth Management team directly at 604-695-LORI or visit their website at Pinkowski.ca Learn more about your ad choices. Visit megaphone.fm/adchoices

Making Cents of the Markets for Mar 19, 2025 Time for Making Cents of the Markets with Lori Pinkowski.  Lori Pinkowski is a Senior Portfolio Manager at Canaccord Genuity. You can contact The Pinkowski Wealth Management team directly at 604-695-LORI or visit their website at Pinkowski.ca Learn more about your ad choices. Visit megaphone.fm/adchoices

A third of Americans say that they've skipped food, medicine, or something else to be able to afford their energy bills. Much of the increase in the cost of electricity is driven by rising demand from artificial intelligence and data centers, industrial onshoring and hotter temperatures.  How does your electricity bill get calculated, and who's in charge of setting those rates? Does public power serve consumers better than investor-owned utilities? And will rising electricity prices dampen the transition to cleaner sources of energy? Guests:  Shelley Welton, Professor of Law and Energy Policy, University of Pennsylvania  Severin Borenstein, Professor, Haas School of Business, UC Berkeley Kevin Miller, Reporter, Maine Public Radio On March 24, Google's Chief Sustainability Officer Kate Brandt and Irina Raicu, Director of the Internet Ethics Program at the Markkula Center, will speak with Climate One about the development of sustainably powered artificial intelligence. Tickets are on sale through our website. And on April 22 and 24, Climate One will once again be hosting a series of SF Climate Week events at The Commonwealth Club! Join us for conversations with environmental luminaries such as Margaret Gordon, Jenny Odell, Project Drawdown, Grist, and Abby Reyes. Tickets are on sale now. Support Climate One by going ad-free! By subscribing to Climate One on Patreon, you'll receive exclusive access to all future episodes free of ads, opportunities to connect with fellow Climate One listeners, and access to the Climate One Discord. Sign up today. For show notes and related links, visit our website. Ad sales by Multitude. Contact them for ad inquiries at multitude.productions/ads Learn more about your ad choices. Visit megaphone.fm/adchoices

A third of Americans say that they've skipped food, medicine, or something else to be able to afford their energy bills. Much of the increase in the cost of electricity is driven by rising demand from artificial intelligence and data centers, industrial onshoring and hotter temperatures.  How does your electricity bill get calculated, and who's in charge of setting those rates? Does public power serve consumers better than investor-owned utilities? And will rising electricity prices dampen the transition to cleaner sources of energy? Guests:  Shelley Welton, Professor of Law and Energy Policy, University of Pennsylvania  Severin Borenstein, Professor, Haas School of Business, UC Berkeley Kevin Miller, Reporter, Maine Public Radio On March 24, Google's Chief Sustainability Officer Kate Brandt and Irina Raicu, Director of the Internet Ethics Program at the Markkula Center, will speak with Climate One about the development of sustainably powered artificial intelligence. Tickets are on sale through our website. And on April 22 and 24, Climate One will once again be hosting a series of SF Climate Week events at The Commonwealth Club! Join us for conversations with environmental luminaries such as Margaret Gordon, Jenny Odell, Project Drawdown, Grist, and Abby Reyes. Tickets are on sale now. Support Climate One by going ad-free! By subscribing to Climate One on Patreon, you'll receive exclusive access to all future episodes free of ads, opportunities to connect with fellow Climate One listeners, and access to the Climate One Discord. Sign up today. For show notes and related links, visit our website. Ad sales by Multitude. Contact them for ad inquiries at multitude.productions/ads Learn more about your ad choices. Visit megaphone.fm/adchoices

Time for Making Cents of the Markets with Lori Pinkowski. Lori Pinkowski is a Senior Portfolio Manager at Canaccord Genuity. You can contact The Pinkowski Wealth Management team directly at 604-695-LORI or visit their website at Pinkowski.ca Learn more about your ad choices. Visit megaphone.fm/adchoices

Ever wondered why it can be so difficult to change your financial habits? In this episode of Making Cents of Money, join our hosts and special guest, Emily Harmon, Illinois Extension Family Life Educator, as they delve into the Transtheoretical Model to help explain why behavior change relating to finances can be challenging. Show Notes Links: Ep. 23, Money Personalities & Financial Well-being: https://blogs.uofi.uillinois.edu/view/7550/303401558 Illinois Extension. All My Money, What's Important to Me? Activity. https://extension.illinois.edu/sites/default/files/all_my_money_values_activity.pdf Money Harmony Personalities Quiz by Olivia Mellan: https://moneyharmony.com/moneyharmony-quiz/ Klontz Money Scripts Inventory (KMSI-R): https://www.bradklontz.com/moneyscriptstest Publications on the Klontz Money Scripts Inventory: Klontz, B., Britt, S. L., Mentzer, J., & Klontz, T. (2011). Money beliefs and financial behaviors: Development of the Klontz Money Script Inventory. Journal of Financial Therapy, 2(1), 1. Klontz, B., Britt, S. L., Archuleta, K. L., & Klontz, T. (2012). Disordered money behaviors: Development of the Klontz money behavior inventory. Journal of Financial Therapy, 3(1), 2. Taylor, C. D., Klontz, B., & Britt, S. L. (2016). Reliability and convergent validity of the Klontz Money Script Inventory-revised (KMSI-R). Journal of Financial therapy, 6(2), 2.

In celebration of International Women's Day on the 8th March, this episode of Money Made simple sees Jennie and Liv discussing women and money. Something we should know a bit about! We discuss the unique challenges as well as opportunities women face in terms of earning, saving, spending and investing money - both here in NZ and globally. This episode covers:An overview of the gender pay gap in NZ (and globally), including recent trends and how the pay gap impacts women differentlyInsights into the systemic issues and biases that contribute to financial disparities for women (including the research to back it up!)Career breaks and their long-term effects on women's finances, particularly regarding KiwiSaver and other savingsStrategies for building financial confidence, from he importance of workplace negotiation to tackling the confidence gap in job applicationsHow to better manage and optimise your KiwiSaver balance as a woman (including during mat leave type scenarios)Tips for investing outside of KiwiSaver in the current environmentOf course, our own lessons/learnings around investing as Kiwi women!Some kick-ass women focused resources to help our fellow female listeners level up their financial knowledge and powerResources mentioned in this episode:- Financial Services Council Research on the KiwiSaver gender gap- SEEK's March 2023 Research on the gender confidence gap- Money Talks for financial mentoring- Mary Holm's personal finance education site- Making Cents, a personal finance podcast by Frances Cook- One Up Project, our good friend Sarah Kelsey creating a community for self-improvement- Money Made Simple book (and of course this same-named podcast!)This episode not only sheds light on the financial inequities women face but also provides practical steps for overcoming these challenges. Whether you're looking to negotiate a raise or better manage your investments, there's something here to help you make informed, confident financial decisions. ---Please help us share the good word (and make Kiwis richer and smarter with money) - the more we grow, the more good we can do %) Don't forget to follow, subscribe and rate the podcast if you found it useful!Find us: InstagramFacebookLinkedInDisclaimer: This podcast contains personal opinions and is intended to provide educational information only. It doesn't relate to your particular financial situation or goals and is not financial advice or recommendations. Simplicity New Zealand Limited is the issuer of the Simplicity KiwiSaver scheme and investment funds. For product disclosure statements please visit Simplicity's website simplicity. kiwi.

Making Cents of the Markets for Mar 05, 2025 Time for Making Cents of the Markets with Lori Pinkowski. Lori Pinkowski is a Senior Portfolio Manager at Canaccord Genuity. You can contact The Pinkowski Wealth Management team directly at 604-695-LORI or visit their website at Pinkowski.ca Learn more about your ad choices. Visit megaphone.fm/adchoices

Making Cents of the Markets for February 26, 2025 Time for Making Cents of the Markets with Lori Pinkowski.  Lori Pinkowski is a Senior Portfolio Manager at Canaccord Genuity. You can contact The Pinkowski Wealth Management team directly at 604-695-LORI or visit their website at Pinkowski.ca Learn more about your ad choices. Visit megaphone.fm/adchoices

Making Cents. Learning to Honor God With All We Have. || Matt Anderson by McDowell Mountain Community Church

Making Cents of Money: Episode 99 – Financial Socialization: https://soundcloud.com/idfpr/episode-99-financial-socialization?utm_source=clipboard&utm_campaign=wtshare&utm_medium=widget&utm_content=https%253A%252F%252Fsoundcloud.com%252Fidfpr%252Fepisode-99-financial-socialization Making Cents of Money: Episode 94 – Cost of Living: https://soundcloud.com/idfpr/episode-94-cost-of-living?utm_source=clipboard&utm_campaign=wtshare&utm_medium=widget&utm_content=https%253A%252F%252Fsoundcloud.com%252Fidfpr%252Fepisode-94-cost-of-living Klontz Money Scripts Quiz: https://www.bradklontz.com/moneyscriptstest Get Saavy Webinar: Budget Hacks: https://www.youtube.com/watch?v=X2p09ddcB4Q FTC Fraud Report: https://reportfraud.ftc.gov FBI Internet Crime Complaint Center: https://www.ic3.gov Christy, K., Welter, T., Dundon, K., Valandra, & Bruce, A. (2022). Economic Abuse: A Subtle but Common Form of Power and Control. Journal of Interpersonal Violence, 37(1–2), NP473–NP499. https://doi.org/10.1177/0886260520916264 Eickmeyer, K. J., Manning, W. D., Longmore, M. A., & Giordano, P. C. (2023). Exploring the Married-Cohabiting Income Pooling Gap Among Young Adults. Journal of Family and Economic Issues, 44(4), 990–1006. https://doi.org/10.1007/s10834-023-09885-0 Granados, W. (2025, January 28). NRF survey: Valentine's day spending reaches record $27.5 billion. NRF National Retail Federation. https://nrf.com/media-center/press-releases/nrf-survey-valentine-s-day-spending-reaches-record-27-5-billion Klontz, B., Britt, S. L., Mentzer, J., & Klontz, T. (2011). Money Beliefs and Financial Behaviors: Development of the Klontz Money Script Inventory. Journal of Financial Therapy, 2(1). https://doi.org/10.4148/jft.v2i1.451 Koochel, E. E., Markham, M. S., Crawford, D. W., & Archuleta, K. L. (2020). Financial Transparency Scale: Its Development and Potential Uses. Journal of Financial Counseling and Planning, 31(1), 14–27. https://doi.org/10.1891/JFCP-18-00009 Li, X., Khan, M. A., Xiao, J. J., & Kong, D. (2024). Actions for solutions: Financial behaviors, power (im)balance, and economic abuse among Chinese young adults in non-marital cohabitation. Journal of Social and Personal Relationships, 41(6), 1554–1576. https://doi.org/10.1177/02654075241227125 Olson, J. G., & Rick, S. I. (2023). Subjective Knowledge Differences within Couples Predict Influence over Shared Financial Decisions. Journal of the Association for Consumer Research, 8(4), 378–389. https://doi.org/10.1086/726430 Romo, L. K. (2015). An Examination of How People in Romantic Relationships Use Communication to Manage Financial Uncertainty. Journal of Applied Communication Research, 43(3), 315–335. https://doi.org/10.1080/00909882.2015.1052831 Romo, L. K., & Abetz, J. S. (2016). Money as Relational Struggle: Communicatively Negotiating Cultural Discourses in Romantic Relationships. Communication Studies, 67(1), 94–110. https://doi.org/10.1080/10510974.2015.1121158 Totenhagen, C. J., Wilmarth, M. J., Serido, J., Curran, M. A., & Shim, S. (2019). Pathways from Financial Knowledge to Relationship Satisfaction: The Roles of Financial Behaviors, Perceived Shared Financial Values with the Romantic Partner, and Debt. Journal of Family and Economic Issues, 40(3), 423–437. https://doi.org/10.1007/s10834-019-09611-9

Today's Poll Question at Smerconish.com: Should the U.S. Treasury stop minting new pennies? Listen here to Michael's take, then vote at Smerconish.com, and please leave a rating and review of this podcast! The Daily Poll Question is a thought-provoking query each day at Smerconish.com on a political, social, or other human interest issue. Entirely non-scientific, it always begins a great conversation. Michael talks about it in this podcast each weekday.

Making Cents of Money discusses the economics of the cannabis in Illinois with Vaughn Bentley, the Deputy Director of Cannabis Control at IDFPR. Tune in to learn more about the impact this industry (the first nationally to prioritize social equity) has in our state. Show Notes: Illinois Cannabis Regulation Oversight Office. (2024). Annual cannabis regulation report. Springfield, IL: State of Illinois. https://cannabis.illinois.gov/content/dam/soi/en/web/cannabis/documents/media/reports-and-public-presentations/Compiled%20Cannabis%20Annual%20Report%202024%20(1).pdf Illinois Department of Agriculture. (2023). Cannabis regulation and tax act. Administrative rules for adult use cannabis. https://www.ilga.gov/legislation/ilcs/ilcs4.asp?DocName=041007050HArt.15&ActID=3992&ChapterID=35&SeqStart=3000000&SeqEnd=6400000 UIC Entrepreneurial Support Program: https://business.uic.edu/academics-research/research-2/centers/uic-entrepreneurial-support-program/. Making Cents of Money Ep. 50: Becoming an Entrepreneur! https://blogs.uofi.uillinois.edu/view/7550/1409980922

In this episode of Untidy, Matty and Hannah chat to Frances Cook, the award-winning journalist, financial expert, and host of the chart-topping ‘Making Cents’ podcast. Frances shares her journey from being a self-proclaimed “financial hot mess” to becoming one of New Zealand’s most trusted voices in personal finance — making money and investing simple and achievable for everybody. Frances shares her wisdom and wit on money mindsets, investing, KiwiSaver, and the financial decisions that will shift the dial no matter if you’ve got some to spare, or your living paycheck to paycheck. This episode is packed with relatable, practical advice and more than a few honest confessions! Listen in for a robust discussion on how childhood experiences shape our money mindset, why women make betters investors, how a 10-minute tweak can double your Kiwisaver return, the ‘core-satellite strategy’ for investing Hannah and Matty accidentally nailed, why we need to “index and chill”, how to financially prepare for parental leave and raising kids, practical budgeting and saving hacks that you won’t hate, and, how to talk to kids about money without freaking them out. Resources mentioned in the show:Making Cents podcastfrancescook.co.nzMoney made simple courseInvesting made simple courseBooks by Frances Cook — ‘Tales from a Financial Hot Mess’ & ‘Your Money, Your Future’Sorted — Kiwisaver fund finderSharesies NZKernelHatchInvestnowFollow Frances on Instagram and TikTok for bite-sized but life-changing financial tips @francescooknz. If you’re enjoying Untidy, we need your support by subscribing to the show in your podcast app and tapping the ‘+ follow’ button. You can also find us and subscribe on YouTube! That way, you’ll never miss an episode. Help us to keep building this supportive community – subscribe, share an episode with a mate, and chuck us a 5-star review. Thank you for listening, contributing and supporting our independent production! You’re the best! Untidy is made for you – the people right at the heart of this steaming hot mess we call parenthood! Follow the show and DM us on Instagram @untidypodcast or email hello@untidypodcast.com. Your stories and ideas to help us shape the show! Find us online at Untidy podcast. Find Matilda at @matootles and get your copy of The Feel Good Guide. Find Hannah at @hannahedavison and her My Big Moments children’s books at @mybigmoments. Enter code UNTIDY at checkout for 10% off your order.See omnystudio.com/listener for privacy information.

On The Express this week, we dissect the flurry of economic executive orders and announcements from the Trump administration and identify the new power brokers influencing markets and the future of A.I. The Federal Reserve will meet on interest rates for the first time this year and the first time under this administration, which has been demanding lower rates. Plus, DOGE, led by Elon Musk, says it's time to stop printing the Penny, but those cents come with billions of dollars worth of complications even though they cost more to produce than they are actually worth. And, stocks touched record highs again last week, and breadth inside the markets actually improved which could set the stage for the next leg of this bull market. LINKS FOR SHOW NOTES https://www.investopedia.com/what-to-expect-from-the-federal-reserve-s-interest-rate-decision-wednesday-8779447 https://www.investopedia.com/nuscale-oklo-and-other-nuclear-stocks-soar-on-anticipation-of-ai-growing-energy-needs-8779389 https://www.investopedia.com/terms/d/dark-pool.asp https://www.cmegroup.com/markets/interest-rates/cme-fedwatch-tool.html https://www.investopedia.com/what-to-expect-in-the-markets-this-week-fed-powell-interest-rates-inflation-apple-tesla-microsoft-earnings-8779620 Learn more about your ad choices. Visit podcastchoices.com/adchoices

On The Express this week, we dissect the flurry of economic executive orders and announcements from the Trump administration and identify the new power brokers influencing markets and the future of A.I. The Federal Reserve will meet on interest rates for the first time this year and the first time under this administration, which has been demanding lower rates. Plus, DOGE, led by Elon Musk, says it's time to stop printing the Penny, but those cents come with billions of dollars worth of complications even though they cost more to produce than they are actually worth. And, stocks touched record highs again last week, and breadth inside the markets actually improved which could set the stage for the next leg of this bull market. LINKS FOR SHOW NOTES https://www.investopedia.com/what-to-expect-from-the-federal-reserve-s-interest-rate-decision-wednesday-8779447 https://www.investopedia.com/nuscale-oklo-and-other-nuclear-stocks-soar-on-anticipation-of-ai-growing-energy-needs-8779389 https://www.investopedia.com/terms/d/dark-pool.asp https://www.cmegroup.com/markets/interest-rates/cme-fedwatch-tool.html https://www.investopedia.com/what-to-expect-in-the-markets-this-week-fed-powell-interest-rates-inflation-apple-tesla-microsoft-earnings-8779620 Learn more about your ad choices. Visit podcastchoices.com/adchoices

Making Cents of the Markets for Jan 22, 2025 Time for Making Cents of the Markets with Lori Pinkowski. Lori Pinkowski is a Senior Portfolio Manager at Canaccord Genuity. You can contact The Pinkowski Wealth Management team directly at 604-695-LORI or visit their website at Pinkowski.ca Learn more about your ad choices. Visit megaphone.fm/adchoices

Making Cents of Money is proud to partner with the Office of the State Treasurer in its latest episode. Treasurer Michael Frerichs shared that 1 in 4 Illinoisans have unclaimed property waiting for them. Want to learn more? Tune in to learn more: link to podcast. Show Notes: Making Cents of Money: Ep. 11 – Saving for College with a 529 Savings Plan https://blogs.uofi.uillinois.edu/view/7550/2145536872 *I-Cash website: https://icash.illinoistreasurer.gov/

Time for Making Cents of the Markets with Lori Pinkowski. Lori Pinkowski is a Senior Portfolio Manager at Canaccord Genuity. You can contact The Pinkowski Wealth Management team directly at 604-695-LORI or visit their website at Pinkowski.ca Learn more about your ad choices. Visit megaphone.fm/adchoices

Time for Making Cents of the Markets with Lori Pinkowski.  Lori Pinkowski is a Senior Portfolio Manager at Canaccord Genuity. You can contact The Pinkowski Wealth Management team directly at 604-695-LORI or visit their website at Pinkowski.ca Learn more about your ad choices. Visit megaphone.fm/adchoices

Are you looking to start fresh financially this new year? Join the hosts of Making Cents of Money as they kick off 2025 with a special episode – New Year, New Financial Resolutions. Show Notes: • National Endowment for Financial Education (NEFE) – Emergency Fund Tips https://www.nefe.org/what-we-provide/consumer-financial-literacy-resources/emergency-fund • Consumer Financial Protection Bureau (CFPB) – Paying Off Debt https://www.consumerfinance.gov/ask-cfpb/what-is-the-debt-snowball-method-en-1916/ • Charles Schwab, New Years Financial Resolutions: https://www.schwab.com/learn/story/new-years-financial-resolutions-get-your-finances-in-shape • CNBC: Financial New Years Resolutions: https://www.cnbc.com/select/financial-new-years-resolutions/ • Motley Fool Money: https://www.fool.com/money/research/financial-new-years-resolutions/ • Consumer Financial Protection Bureau: An essential guide to building an emergency fund: https://www.consumerfinance.gov/an-essential-guide-to-building-an-emergency-fund/ • PowerPlay: https://extension.usu.edu/powerpay/ • Making Cents of Money episodes about establishing credit: https://soundcloud.com/idfpr/sets/establishing-managing-credit • Episode 80: Building Wealth After Graduation: https://soundcloud.com/idfpr/episode-80-building-wealth-after-graduation • Episode 55: Making Cents of Money: Wealth Building as a Balancing Act: https://soundcloud.com/idfpr/episode-55-wealth-building-as-a-balancing-act?utm_source=clipboard&utm_campaign=wtshare&utm_medium=widget&utm_content=https%253A%252F%252Fsoundcloud.com%252Fidfpr%252Fepisode-55-wealth-building-as-a-balancing-act • Episode 49: Making Cents of Money: Dealing with Emergencies: https://soundcloud.com/idfpr/episode-49-dealing-with-emergencies?utm_source=clipboard&utm_campaign=wtshare&utm_medium=widget&utm_content=https%253A%252F%252Fsoundcloud.com%252Fidfpr%252Fepisode-49-dealing-with-emergencies • Budget Hacks webinar: https://www.youtube.com/watch?feature=shared&v=X2p09ddcB4Q • Experian: Debt Snowball vs. Debt Avalanche: https://www.experian.com/blogs/ask-experian/avalanche-vs-snowball-which-repayment-strategy-is-best/#:~:text=For%20the%20most%20part%2C%20the,money%20in%20interest%20over%20time.

Making Cents of Money reaches a major milestone in releasing its 100th episode! Join all the co-hosts (past and present) as they reunite to celebrate this achievement, reflect on their favorite episodes, and discuss how the show has evolved through the years. SHOW NOTES: Episode 86: The Illinois Community Reinvestment Act: https://soundcloud.com/idfpr/episode-86-the-illinois-community-reinvestment-act?si=da23db5a5eb54864ac46902a6ef22457&utm_source=clipboard&utm_medium=text&utm_campaign=social_sharing Episode 85: The Federal Community Reinvestment Act: https://soundcloud.com/idfpr/episode-85-the-federal-community-reinvestment-act-cra?si=f53b327f41df4d66a308ab44949fb4f9&utm_source=clipboard&utm_medium=text&utm_campaign=social_sharing Episode 78: Is Crypto the Wild West?: https://soundcloud.com/idfpr/episode-78-is-crypto-the-wild-west?si=2f70e3f31d1c44659977d0da1a5e7a30&utm_source=clipboard&utm_medium=text&utm_campaign=social_sharing Episode 54: Financial Resolutions!: https://soundcloud.com/idfpr/episode-54-financial-resolutions?si=585e0e5ced134bce868e116e3fc4740b&utm_source=clipboard&utm_medium=text&utm_campaign=social_sharing Episode 47: The Community Reinvestment Act: https://soundcloud.com/idfpr/episode-47-the-community-reinvestment-act?si=ca8fe23d82f54daf8d0234c7f5c596f8&utm_source=clipboard&utm_medium=text&utm_campaign=social_sharing Episode 27: Student Loan Update: https://soundcloud.com/idfpr/episode-27-student-loan-update?si=6b2eb7d9b261485a83d6713fd3fbf3a0&utm_source=clipboard&utm_medium=text&utm_campaign=social_sharing Episode 24: Cryptocurrency: https://soundcloud.com/idfpr/mcom-ep24-cryptocurrencyfinal?si=bf3802ea62564039a4e271184589ef6f&utm_source=clipboard&utm_medium=text&utm_campaign=social_sharing Episode 15: Credit: https://soundcloud.com/idfpr/episode-15-credit?si=7b887916e593400191676b78a514bae5&utm_source=clipboard&utm_medium=text&utm_campaign=social_sharing Episode 13: Investing Basics: https://soundcloud.com/idfpr/episode-13-investing-basics?si=ba6bbf0d5d1643bd81c19f9502dec3c6&utm_source=clipboard&utm_medium=text&utm_campaign=social_sharing Episode 11: Saving for College with a 529 Savings Plan: https://soundcloud.com/idfpr/episode-11-saving-for-college-with-529-savings-plans?si=021504277e61467f9aa42c84f754cb4a&utm_source=clipboard&utm_medium=text&utm_campaign=social_sharing

Making Cents of the Markets Time for Making Cents of the Markets with Lori Pinkowski. Lori Pinkowski is a Senior Portfolio Manager at Canaccord Genuity. You can contact The Pinkowski Wealth Management team directly at 604-695-LORI or visit their website at Pinkowski.ca Learn more about your ad choices. Visit megaphone.fm/adchoices

Time for Making Cents of the Markets with Lori Pinkowski. Lori Pinkowski is a Senior Portfolio Manager at Canaccord Genuity. You can contact The Pinkowski Wealth Management team directly at 604-695-LORI or visit their website at Pinkowski.ca GUEST: Richard Pass, CEO of Ronald McDonald House Learn more about your ad choices. Visit megaphone.fm/adchoices

Show Notes: • Hasler, A., & Lusardi, A. (2019). The gender gap in financial literacy: A global perspective. Global Financial Literacy Excellence Center. https://gflec.org • Jorgensen, B. L., & Savla, J. (2010). Financial literacy of young adults: The importance of parental socialization. Family Relations, 59(4), 465–478. https://doi.org/10.1111/j.1741-3729.2010.00616.x • Kim, J., Gutter, M. S., & Spangler, T. (2020). Extended family financial socialization and financial behavior in adulthood. Journal of Family and Economic Issues, 41(3), 497-510. https://doi.org/10.1007/s10834-020-09674-3 • Klontz, B., Britt, S. L., Archuleta, K. L., & Klontz, T. (2011). Mind over money: Overcoming the money disorders that threaten our financial health. Broadway Books. • Mellan, O. (2014). Money harmony: Resolving money conflicts in your life and relationships. Walker and Company. • Shim, S., Barber, B. L., Card, N. A., Xiao, J. J., & Serido, J. (2021). Financial socialization: A model of family pathways to financial well-being. Journal of Youth and Adolescence, 50(4), 788-806. https://doi.org/10.1007/s10964-020-01272-0 • Tang, N., & Baker, A. (2016). Self-esteem, financial knowledge and financial behavior. Journal of Economic Psychology, 54, 164-176. https://doi.org/10.1016/j.joep.2016.04.005 • The Psychology of Financial Planning Podcast: https://www.psychologyoffinancialplanning.com/podcast • Making Cents of Money Episode 70: The Impact of Compound Interest: https://soundcloud.com/idfpr/episode-70-the-impact-of-compound-interest?utm_source=clipboard&utm_medium=text&utm_campaign=social_sharing • Klontz Money Scripts Test: https://www.bradklontz.com/moneyscriptstest • Dr. Brad Klontz on YouTube: https://www.youtube.com/c/drbradklontz • Money Habitudes: https://www.moneyhabitudes.com/ • Money Personality Quiz by Olivia Mellan via the California Courts' Families Change website: https://fas.familieschange.ca.gov/en/course/27-activity-money-personality-quiz

Time for Making Cents of the Markets with Lori Pinkowski. Lori Pinkowski is a Senior Portfolio Manager at Canaccord Genuity. You can contact The Pinkowski Wealth Management team directly at 604-695-LORI or visit their website at Pinkowski.ca Learn more about your ad choices. Visit megaphone.fm/adchoices

Time for Making Cents of the Markets with Lori Pinkowski. Lori Pinkowski is a Senior Portfolio Manager at Canaccord Genuity. You can contact The Pinkowski Wealth Management team directly at 604-695-LORI or visit their website at Pinkowski.ca Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode of Making Cents of Money, we discuss the costs of car ownership and the impact it could have on your budget. Are you ready to see if you're prepared to purchase a vehicle? Tune in to learn more. Show Notes: MCOM Episode 74: Credit Reports Update: https://soundcloud.com/idfpr/episode-74-credit-reports-update?utm_source=clipboard&utm_medium=text&utm_campaign=social_sharing MCOM Episode 70: The Impact of Compound Interest: https://soundcloud.com/idfpr/episode-70-the-impact-of-compound-interest?utm_source=clipboard&utm_medium=text&utm_campaign=social_sharing Comparing Commute Costs Calculator: https://bicycleuniverse.com/car-free-millionaire/ Calculating Cost of Ownership • Edmund's True Cost to Own ® Calculator: https://www.edmunds.com/tco.html • What Is the Total Cost of Owning a Car? via NerdWallet: https://www.nerdwallet.com/blog/loans/total-cost-owning-car/ • Illinois Tollway Trip Calculator: https://ua.getipass.com/trip-calculator Can Your Budget Handle It? • Budgeting & Financial Planning episode list for Making Cents of Money: https://on.soundcloud.com/CJbxcrPsLRzCXVW78 • Budgeting Web Page from University of Illinois Student Money Management Center: https://www.studentmoney.uillinois.edu/learn/budgeting • You can also use something like this budget worksheet from the CFPB: https://files.consumerfinance.gov/f/documents/cfpb_well-being_monthly-budget.pdf Manufacturer vs Extended Warranties • CFPB Article, “What is the difference between a manufacturer's warranty and an extended vehicle warranty or service contract?”: https://www.consumerfinance.gov/ask-cfpb/what-is-the-difference-between-a-manufacturers-warranty-and-an-extended-vehicle-warranty-or-service-contract-en-825/ Title and Registration • ILLINOIS Registration Renewal and ID Cards: https://www.ilsos.gov/departments/vehicles/title_and_registration/regid.html • FAQ on Title & Registration in Illinois: https://www.ilsos.gov/departments/vehicles/faq.html • Buying or Selling a Used Vehicle Pamphlet from IL Sec of State: https://www.ilsos.gov/publications/pdf_publications/sos_dop141.pdf • Seller's Report of Sale Form: https://www.ilsos.gov/publications/pdf_publications/vsd703.pdf Don't Forget Monthly Costs • Edmund's True Cost to Own ® Calculator: https://www.edmunds.com/tco.html Two Types of Financing • CFPB's Take Control of Your Auto Loan Guide: https://files.consumerfinance.gov/f/documents/201606_cfpb_take-control-of-your-auto-loan-guide.pdf Know Your Resources • Kelly Blue Book: https://www.kbb.com • NADA Guides: https://www.nadaguides.com/Cars • Edmunds True Market Value: https://www.edmunds.com/tmv.html • CarFax History-Based Value: https://www.carfax.com/value/ Research & Compare • CFPB Auto Loan Worksheet: https://files.consumerfinance.gov/f/documents/201606_cfpb_auto-loan-worksheet.pdf • CFPB Site on Auto Loans: https://www.consumerfinance.gov/consumer-tools/auto-loans/ • FTC Used Cars Site: https://consumer.ftc.gov/features/used-cars • Prioritize debt repayment: https://powerpay.org/ Auto Loan Calculator Examples: • NerdWallet Car Loan Calculator: https://www.nerdwallet.com/blog/loans/car-loan-calculator/ • Bankrate Auto Loan Calculator: https://www.bankrate.com/calculators/auto/auto-loan-calculator.aspx Know Your Credit • Get Free Weekly Credit Reports from Equifax, Experian, & TransUnion: https://www.annualcreditreport.com/ • Ep. 74 – Credit Reports Update: https://blogs.uofi.uillinois.edu/view/7550/1222872163 Insurance • State of Illinois Mandatory Insurance: https://www.ilsos.gov/departments/vehicles/mandatory_insurance.html Tips to Protect Yourself • FTC article: “Put the brakes on phony online car sales”: https://www.consumer.ftc.gov/blog/2019/06/put-brakes-phony-online-car-sales • Buying a Used Car from FTC: https://www.consumer.ftc.gov/features/feature-0040-used-cars

Time for Making Cents of the Markets with Lori Pinkowski.  Lori Pinkowski is a Senior Portfolio Manager at Canaccord Genuity. You can contact The Pinkowski Wealth Management team directly at 604-695-LORI or visit their website at Pinkowski.ca Learn more about your ad choices. Visit megaphone.fm/adchoices

Time for Making Cents of the Markets with Lori Pinkowski.  Lori Pinkowski is a Senior Portfolio Manager at Canaccord Genuity. You can contact The Pinkowski Wealth Management team directly at 604-695-LORI or visit their website at Pinkowski.ca Learn more about your ad choices. Visit megaphone.fm/adchoices

‘Tis the season to make holiday travel plans! This episode of Making Cents of Money offers helpful hints for staying on budget when traveling to celebrate with family and friends. SHOW NOTES: • Berg, H. (2023, September 19). 2023 holiday travel outlook. Hopper. https://media.hopper.com/research/2023-holiday-travel-outlook • French, S. (2024, October 10). Travel inflation report: October 2024. NerdWallet. https://www.nerdwallet.com/article/travel/travel-price-tracker • Pellegrini, A. (2021, July 6). Travel planning templates. University of Illinois System Student Money Management Center Blog. https://blogs.uofi.uillinois.edu/view/7550/2045942096 • Rodriguez, A. (n.d.). How to save money on travel this holiday season. AXA Travel Insurance. https://www.axatravelinsurance.com/resources/travel-tips/-/asset_publisher/dbn8rbCGSjcs/content/how-to-save-money-on-travel-this-holiday-season • Vaidyanathan, R. (2023, April 7). Credit cards and travel. University of Illinois System Student Money Management Center Blog. https://blogs.uofi.uillinois.edu/view/7550/1536325046 • Wallace Bechard, C., Giancola-Shanks, N., Sweedler, K., & Pellegrini, A. (2022, December 15). Spend less, travel more webinar recording [Video]. University of Illinois System Student Money Management Center. https://youtu.be/7jgv_wgd_z14 • University of Illinois System Student Money Management Center. (2022). Revisiting travel (ep. 53). https://blogs.uofi.uillinois.edu/view/7550/1155020853 • University of Illinois Extension. (n.d.). Saving on travel. https://extension.illinois.edu/finances/saving-travel • U.S. Department of Energy & Environmental Protection Agency. (n.d.). Fuel economy trip calculator. https://www.fueleconomy.gov/trip/ • U.S. Department of Transportation. (2024, October 15). Statistics on airfare pricing and trends: Bureau of Transportation Statistics. https://www.bts.gov/air-fares

Time for Making Cents of the Markets with Lori Pinkowski.  Lori Pinkowski is a Senior Portfolio Manager at Canaccord Genuity. You can contact The Pinkowski Wealth Management team directly at 604-695-LORI or visit their website at Pinkowski.ca Learn more about your ad choices. Visit megaphone.fm/adchoices

Time for Making Cents of the Markets with Lori Pinkowski. Lori Pinkowski is a Senior Portfolio Manager at Canaccord Genuity. You can contact The Pinkowski Wealth Management team directly at 604-695-LORI or visit their website at Pinkowski.ca Learn more about your ad choices. Visit megaphone.fm/adchoices

Making Cents of the Markets for Oct 23, 2024 Time for Making Cents of the Markets with Lori Pinkowski. Lori Pinkowski is a Senior Portfolio Manager at Canaccord Genuity. You can contact The Pinkowski Wealth Management team directly at 604-695-LORI or visit their website at Pinkowski.ca Learn more about your ad choices. Visit megaphone.fm/adchoices

On a special Halloween-themed edition of Making Cents of Money, the Division of Banking's Kari Beyer joins the show to discuss zombie mortgages and zombie properties. But don't be scared! Just tune in to fight out how to protect yourself from being spooked this scary season. Show Notes: 1. National Community Reinvestment Coalition - Report on the impact of zombie properties: https://library.nclc.org/book/mortgage-lending/1352-consequences-communities-vacant-and-zombie-properties 2. U.S. Department of Housing and Urban Development (HUD) - Resources for homeowners: https://www.hud.gov/homeownerhelp 3. NeighborWorks America - Counseling and education resources: https://www.neighborworks.org/Training-Services/NCHEC-Resources 4. Chicago Rehab Network - Report on abandoned properties in Chicago: https://www.chicagorehab.org/ 5. MCM Episodes 63 and 64– Help for Homeowners and Help for Renters with Kari Beyer: https://idfpr.illinois.gov/banks/making-cents-of-money.html 6. Annual Credit Report: annualcreditreport.com 7. File a Complaint with IDFPR: https://idfpr.illinois.gov/admin/complaints.html

Time for Making Cents of the Markets with Lori Pinkowski. Lori Pinkowski is a Senior Portfolio Manager at Canaccord Genuity. You can contact The Pinkowski Wealth Management team directly at 604-695-LORI or visit their website at Pinkowski.ca Learn more about your ad choices. Visit megaphone.fm/adchoices

Making Cents of the Markets for Oct 09, 2024 Time for Making Cents of the Markets with Lori Pinkowski. Lori Pinkowski is a Senior Portfolio Manager at Canaccord Genuity. You can contact The Pinkowski Wealth Management team directly at 604-695-LORI or visit their website at Pinkowski.ca Learn more about your ad choices. Visit megaphone.fm/adchoices

Making Cents of the Markets for ##, 2024 Time for Making Cents of the Markets with Lori Pinkowski. Lori Pinkowski is a Senior Portfolio Manager at Canaccord Genuity. You can contact The Pinkowski Wealth Management team directly at 604-695-LORI or visit their website at Pinkowski.ca Learn more about your ad choices. Visit megaphone.fm/adchoices

How To, Education, Investing, Business - Frances Cook

On this week's episode of Making Cents of Money, our hosts discuss the cost of living and how many factors influence our everyday expenses—from housing and groceries, to utilities and transportation. Cost of Living Calculators - Bankrate: https://www.bankrate.com/real-estate/cost-of-living-calculator/ - Forbes: https://www.forbes.com/advisor/mortgages/real-estate/cost-of-living-calculator/ - NerdWallet: https://www.nerdwallet.com/cost-of-living-calculator - Numbeo: https://www.numbeo.com/cost-of-living/comparison.jsp - SmartAsset: https://smartasset.com/mortgage/cost-of-living-calculator Other sources for considering cost of living - FAQ: Is the Consumer Price Index (CPI) a cost-of-living index? (U.S. Department of Labor): https://webapps.dol.gov/dolfaq/go-dol-faq.asp?faqid=93&topicid=6&subtopicid=116 - Consumer Price Index, Midwest Region – August 2024 (U.S. Bureau of Labor Statistics): https://www.bls.gov/regions/mountain-plains/news-release/consumerpriceindex_midwest.htm - Post-Secondary Employment Outcomes Explorer (U.S. Census): https://lehd.ces.census.gov/applications/pseo/?type=earnings&compare=postgrad&specificity=2&state=08&institution=08°reelevel=05&gradcohort=0000-3&filter=50&program=52,45 - Recorded Webinar – Inflation: When Prices Rise: https://youtu.be/JeGD22v19xI?feature=shared Budgeting resources - Budgeting: How to create a budget and stick with it (CFPB): https://www.consumerfinance.gov/about-us/blog/budgeting-how-to-create-a-budget-and-stick-with-it/ - SMMC's Budgeting Web Page: https://www.studentmoney.uillinois.edu/learn/budgeting Other relevant podcast episodes: - Budgeting (ep. 20) - https://blogs.uofi.uillinois.edu/view/7550/804394514 - Wealth Building as a Balancing Act (ep. 55) - https://blogs.uofi.uillinois.edu/view/7550/1517205319 - Investing to Reach Financial Goals (ep. 57)- https://blogs.uofi.uillinois.edu/view/7550/1002945600 - Conscious Consumerism (ep. 59) - https://blogs.uofi.uillinois.edu/view/7550/1273369699 - Understanding Your Paycheck (ep. 69) - https://blogs.uofi.uillinois.edu/view/7550/1213480115

Federal student loan repayment restarted last October and the 12-month “On Ramp to Repayment” that limited consequences of missed payments ends this month. Learn what this means for you and your federal student loans in our latest episode of “Making Cents of Money.” Show Notes: https://www.cnbc.com/2024/08/26/student-loan-payment-on-ramp-ends-september-30.html https://studentaid.gov/manage-loans/repayment/prepare-payments-restart

Send us a textThe Coach Mo Golf Show is kicking off Season 3, Episode 1 from an all new perspective, through the eyes of the average amateur golfer, with special guest, Jesse Stakes. Jesse is the Vice President, Commerical Banking Relationship Manager to Everbank located in Jacksonville, FL.  Besides being a businessman full-time, Jesse is the Founder and Chief Content Creator for his podcast, "Making Cents of it All." "Making Cents of it All," highlights people and what they do professionally. Jesse's guests provide insight into their profession, and feature subject matter experts that will help "demystify that which we do not understand." From banking services to medical practices...from auto mechanics to insurance providers - Jesse's guests explain how something works or what's available to you.  Jesse's newest season on the podcast features the theme, "Professional in anything BUT golf," as Jesse partakes in a year-long journey as an avid amateur golfer dabbling into different services and technology to learn how to improve his own golf game and provide feedback and education to other amateur golfers out there. This series will interview those in the golf industry who offer services, technology, and/or equipment that are geared to benefit the average amateur golfer. Don't fall into the trap of getting sucked into the YouTube rabbit hole and nonsense training aids that don't apply to you and your game, rather follow along on Jesse's journey to learn and engage about how you can improve your own golf game, with accessible resources, as an average amateur golfer.Follow Jesse on his year-long amateur golf journey by subscribing to his social media channels:Jesse Stakes - EverBank | LinkedInMaking Cents of it All YouTube Channel - YouTubeMaking Cents of It All (buzzsprout.com)https://www.instagram.com/making_cents_of_it_allContact Coach Mo@coachmogolfpro on Instagramwww.coachmogolfpro.comcoachmogolfpro@gmail.commgesualdi@stjohnsgolf.comThe Golf Academy at St. Johns Located at St. Johns Golf & CC in St. Augustine/St. Johns, FL@thegolfacademy_st.johnswww.stjohnsgolf.com

Planning for retirement can be complicated. Christine Cheng from the Illinois Treasurer's Office discusses how Illinois is addressing barriers and helping small businesses provide retirement benefits to their employees in our latest episode of Making Cents of Money. Show Notes: Other relevant Making Cents of Money episodes: • Free Financial Education Resources for Illinois Residents (ep. 82): https://on.soundcloud.com/qTW36fwcpVm39qWm9 • Building Wealth After Graduation (ep. 80): https://on.soundcloud.com/Jbsh4K1RTt6zLMnx7 • The Impact of Compound Interest (ep. 70): https://on.soundcloud.com/ZV4F8Kh9XuiaXtcW9 • Understanding Your Paycheck (ep. 69) https://on.soundcloud.com/ZUusJGntzDHEJeDw9 • Investing to Reach Financial Goals (ep. 57): https://on.soundcloud.com/2rneJZ3YPXSyUStY9 • Preparing for Retirement (ep. 12): https://on.soundcloud.com/hnQVfEy2p5xQwgBs5 Research discussed in this episode: • Pew's look at how much states will pay for residents having insufficient retirement savings: https://www.pewtrusts.org/en/research-and-analysis/articles/2023/06/01/states-face-334-billion-shortfall-over-20-years-due-to-insufficient-retirement-savings • AARP's Illinois fact sheet: https://www.aarp.org/content/dam/aarp/ppi/2022/state-fact-sheets/illinois.doi.10.26419-2Fppi.00164.015.pdf • Illinois Secure Choice website: https://www.ilsecurechoice.com/ • Illinois Financial Wellness Hub: https://illinoistreasurer.enrich.org/

Going back to college means it's time to evaluate credit cards and financing options for students and families. We break down the different tools available (and their short- and long-term impacts) in this episode of Making Cents of Money. Show Notes: Unbiased sources of consumer education from the CFPB: - Student banking and college credit card marketing agreements: https://www.consumerfinance.gov/data-research/student-banking/ - Your Money, Your Goals toolkit (p. 121 of the downloadable toolkit has a comparison of paying for the costs of an unexpected car repair with emergency savings, a credit card, or a payday loan): https://www.consumerfinance.gov/consumer-tools/educator-tools/your-money-your-goals/toolkit/ Previous Making Cents of Money episodes on Credit: - Credit Reports Update (ep. 74): https://blogs.uofi.uillinois.edu/view/7550/1222872163 - What's a Credit Report Anyway? (ep. 67): https://blogs.uofi.uillinois.edu/view/7550/171138189 - Credit Scores (ep. 51): https://blogs.uofi.uillinois.edu/view/7550/343469214 - Choosing a Credit Card (ep. 43): https://blogs.uofi.uillinois.edu/view/7550/295268937 - Credit Access (ep. 42): https://blogs.uofi.uillinois.edu/view/7550/203994282 - Conscious Credit (ep. 15): https://blogs.uofi.uillinois.edu/view/7550/1450729729 - Understanding Credit (ep. 5): https://blogs.uofi.uillinois.edu/view/7550/270248943 Get Savvy Webinars - Your Financial Tool Chest – We discussed Buy Now, Pay Later tools starting at 45:35 in the YouTube video: https://youtu.be/XdUgsotxCqE?feature=shared&t=2735 - Build Credit to Your Advantage: https://youtu.be/FZGqbTavfsY?feature=shared - Mastering the Consumer Credit Game on December 5, 2024, at 12 PM – Register at https://go.uillinois.edu/getsavvywebinars Legislation related to Credit Cards: - Credit Card Accountability Responsibility and Disclosure Act of 2009 (Credit CARD Act): https://www.ftc.gov/legal-library/browse/statutes/credit-card-accountability-responsibility-disclosure-act-2009-credit-card-act - Fair Credit Reporting Act: https://www.ftc.gov/legal-library/browse/statutes/fair-credit-reporting-act Research on Credit Use: - Blankson, C., Paswan, A., & Boakye, K. G. (2012). College students' consumption of credit cards. International Journal of Bank Marketing, 30(7), 567-585. https://www.emerald.com/insight/content/doi/10.1108/02652321211274327/full/html - D'innocenzio, A., & Lewis, C. (2024, July 30). Stores lure back-to-school shoppers with deals and “buy now, pay later” plans. AP News. https://apnews.com/article/backtoschool-shopping-deals-inflation-c7fc6041e4d34cabc2edbfbc556ef667 - Hayhoe, C., Leach, L. J., Allen, M., & Edwards, R. (2005). Credit cards held by college students. Journal of Financial Counseling and Planning, 16(1). https://www.researchgate.net/publication/253767760_Credit_Cards_Held_by_College_Students - Shupe, C., Li, G., & Fulford, S. (2023). Consumer Use of Buy Now, Pay Later Insights from the CFPB Making Ends Meet Survey. Consumer Financial Protection Bureau Office of Research Reports Series, (23-1). https://papers.ssrn.com/sol3/papers.cfm?abstract_id=4399626

After being part of the Making Cents of Money podcast since its launch in August 2020, we say goodbye to long-time host Nikki Giancola-Shanks – but welcome a new voice, Kimber Beckler! Join us as we begin this new chapter of Making Cents of Money.

The Holler is honored to present a special conversation with North Carolina State Auditor Jessica Holmes. From her humble beginnings in Pender County to becoming the first Black woman on North Carolina's Council of State, Jessica's journey is the stuff of which Tar Heel legends are made. In this lively discussion, she dives deep into the critical task of safeguarding over $100 billion in taxpayer funds annually, ensuring every cent serves the public trust. Beyond exploring the intricacies of her role as state auditor, Jessica recounts her extraordinary career in public service and even shares a personal ode to the irresistible allure of a Bojangles biscuit. Along the way, she passionately makes a case for her re-election this fall, drawing a clear distinction between her values-driven, people-powered campaign and the self-funded, out-of-touch opposition she faces. Follow Jessica's re-election campaign at ⁠⁠https://jessicafornc.com/⁠⁠ ⁠00:00⁠ Greatest Podcast Intro in the History of the Universe⁠  ⁠01:37⁠ Guest Introduction: Jessica Holmes⁠ 03:53⁠ Role and Responsibilities of the State Auditor  ⁠07:19⁠ Challenges and Importance of the State Auditor's Office ⁠⁠13⁠:⁠18⁠⁠ Jessica's Journey⁠ 17:33⁠ Importance of Down-Ballot Races⁠ 21:38⁠ Rapid Fire Questions⁠ 23:58⁠ Closing Remarks and Farewell