Highlights for Saturday January 2 Your Safe Money Show

On this week's Your Safe Money Show we look at a story of a wealthy real estate mogul who when he died left very specific instructions on when and how his 21 and 17 year old daughters would get their inheritance. Controlling from the grave how important is this? Also if you are getting married after divorce or a loved ones passing, there are things you need to be aware of in regards to retirement. 

Highlights for Saturday December 26 Your Safe Money Show

On Your Safe Money Show this Saturday we will look at the oil glut and how that has affected the prices at the pump and the Fed raising the interest rate what does that mean for our bottom lines. Plus a survey of over 2000 older Americans discovered ways to live without regrets. This is a show you won't want to miss, but if you do listen at the website next week at the podcast page.

9 Discounts Seniors Get Only If They Know

Discounts for Seniors

Merry Christmas and Happy New Year

Everyone at Sjoberg & Holmstrom Financial Services and Your Safe Money Show, wishes you and your family a Merry Christmas and Happy New Year.
 We are so thankful for our clients (and soon to be clients) and look forward to assisting you in 2016. The office will be closed December 24 through January 3. We will reopen Monday January 4. If you need assistance leave a message we will be monitoring messages and will get back to you.

The Best Cloud Storage Services

Many people are using Cloud Storage for their important documents. Here's comparisons of some of those services.


The best cloud storage services

Why cash is always a good gift

Why cash is always a good gift

Highlight's for Saturday December 19 Your Safe Money Show

Do you feel retirement is a specific date or a dollar figure? On Saturday's Your Safe Money Show we'll explore that, along with exactly where does your paycheck come from in retirement? And Facebook recently had it's top 10 topics shared in 2015 and it gives a pretty accurate picture of what we feel was note worthy in 2015.

What the Federal Reserve interest rate increase means for you

Like most things in life the Fed's interest rate hike has good and bad implications, depending on you and your situation.


What the Federal Reserve interest rate increase means for you

Best and Worst Charities for Your Donations

Best and Worst Charities for Your Donations

How to get a stronger Wi-Fi signal

Getting a stronger Wi-Fi signal

Yet another scam to be wary of

In this scam you get a call from a delivery company with a package on the way. They show up and say they need your credit or debit card for a nominal fee and there's wine in the gift basket and they need  proof you're 18 or older. They scan your card and the scam is done.

Read the article for more details.

Ding-dong: The delivery scam that's coming to your front door

Highlights for Saturday December 12 Your Safe Money Show

What's your money personality? Are you a shopper, saver, investor, debtor, or spender? Find out on on this Saturday's Your Safe Money Show. Plus we'll discuss what to do with an inherited IRA or 401(k). There are very specific things to do so there won't be tax consequences.

Old-Car Replicas Get New Life Thanks To Congress

Old-Car Replicas Get New Life Thanks To Congress

Are Women More Generous Than Men?

Are Women More Generous Than Men?

The Hidden Risk in Online Holiday Shopping

The Hidden Risk in Online Holiday Shopping

Highlight's for Saturday December 5 Your Safe Money show

How long have you had your refrigerator, washer, dryer, oven, furnace? Well everything has a shelf life and when you have to replace a bigger ticket item can hurt your budget if you haven't planned for it. We'll discuss how long these types of appliances ect. are suppose to last on this Saturday's Your Safe Money Show. Plus how does a 401(k) work after you retire? 

Why the U.S. Pays More Than Other Countries for Drugs

Why the U.S. Pays More Than Other Countries for Drugs

Today is "Giving Tuesday"

Charities Push Giving Tuesday: Here's How to Give Smartly

2015 Holiday Shipping Deadlines

2015 Holiday Shipping Deadlines

Highlight's for Saturday November 28 Your Safe Money Show

Medicare and individual health insurance open enrollment is going on now. On this Saturday's Your Safe Money Show I have questions to ask when looking into insurance.Also,as we near the end of the year there are certain financial steps you might want to consider taking to save you money in the long run. And being charitable is a wonderful thing but be cautious. Not all charities are on the up and up

Overdue taxes? You could lose your U.S. passport

Overdue taxes? You could lose your U.S. passport

5 Ways to Protect Yourself from Identity Thieves This Holiday Season

5 Ways to Protect Yourself from Identity Thieves This Holiday Season

Wireless Bills Falling, but You Still Pay More for This

Wireless Bills Falling, but You Still Pay More for This

Highlights for Saturday November 21 Your Safe Money Show

FAFSA stands for Free Application for Federal Student Aid and is used by most when trying to get help for college tuition ect. Well there's a few big changes happening with the system and I will share those changes and how to manage them on this Saturday's Your Safe Money Show. After divorce or the loss of a spouse over half previously married get remarried. There can be financial concerns that I want you to be aware of. And The Brookings Retirement Security Project happened recently and I'll have results from that.

Gobble, Gobble: Turkey Prices Soar to Record High

Gobble, Gobble: Turkey Prices Soar to Record High

Why ‘affordable’ healthcare is leaving some families with sticker shock

I am a licensed MnSure broker in Minnesota. There are 21 of us around the state. If you need help with plan options and enrollment, call 877-812-0259. You can find a broker near you by going to www.mnsure.org/help/find-assister.


Why ‘affordable’ healthcare is leaving some families with sticker shock

Gas Prices Are Plummeting, $1.50 Per Gallon Coming Soon

Gas Prices Are Plummeting, $1.50 Per Gallon Coming Soon

The Holiday Facebook Scam That's Already Making the Rounds

The Holiday Facebook Scam That's Already Making the Rounds

2015 Veterans Day Free Meals, Discounts, Sales and Deals

2015 Veterans Day Free Meals, Discounts, Sales and Deals

Highlights for Saturday November 7 Your Safe Money Show

On this Saturday's Your Safe Money Show, the BiPartisan Budget Act of 2015 which President Obama signed into law this week makes changes to the Social Security system that affects married couples, and in some cases, an ex-spouse. I'll be sharing those changes AND have you heard of "High-Tech Granny Pods"? Well they might be a viable option for senior housing. 

Mn Sure Open Enrollment

If you live in Minnesota and If you have questions about health insurance coverage options, how to complete the MNsure application, or how to choose the best plan for you, stop by our office for no cost in-person assistance from licensed insurance brokers who are certified through MNsure. Events at local libraries are also being offered at no cost. Go to the website yoursafemoneyshow.com for locations and call for an appointment 320-679-5183. You can also go to mnsureevents.org.

Credit Card Users Suffer Fatigue From the Rewards Game

Be aware of the pro's and con's with these rewards cards.

Credit Card Users Suffer Fatigue From the Rewards Game

Highlights for Saturday October 31 Your Safe Money Show

Do you have a 401(k) at your work? Do you understand all the in's and out's? How about the new contribution limits for 2016? Or maybe you do not have a 401(k) at your work, what's the best way for you to save for retirement? Check in this Saturday on Your Safe Money Show and I'll have the Good the Bad and the Ugly of 401(k)'s.

U.S. Plans to Sell Down Strategic Oil Reserve to Raise Cash

Did you know that the U.S. has 695 million barrels of crude oil in reserve? How much are they selling? Read on.


U.S. Plans to Sell Down Strategic Oil Reserve to Raise Cash

Why the drug price scandal won’t be enough to keep down prices

Why the drug price scandal won’t be enough to keep down prices

Highlights for Saturday October 24 Your Safe Money Show

Coming up on this Saturday's Your Safe Money Show, Medicare Open Enrollment started October 15th and runs until December 7th. I'll go over the importance of reviewing your coverage at this time.  Also be aware that open enrollment for MNSure (individual and family health insurance for those under 65 years of age in the state of Minnesota) starts November 1st and goes until January 31st. I will also look at outdated retirement decisions and get you "up to date" on those decisions.

How to Save on Halloween Candy, Costumes and Spooky Decor

Here's some ideas to make Halloween more affordable.

How to Save on Halloween Candy, Costumes and Spooky Decor

Don't fall for this chip credit card scam

Here's a good reminder about scammers and the new chip credit cards. 


Don't fall for this chip credit card scam

The Cost-of-Living Adjustment Is What Really Needs Adjustment

The Cost-of-Living Adjustment Is What Really Needs Adjustment

Highlights for October 17 Your Safe Money Show

I hope you can feel my excitement as this third week in October is National Save for Retirement week!!!! I'll have ways for you to get on board with this recognition, on this week's Your Safe Money Show. Plus seniors and those getting Social Security had news this week on their annual COLA (cost of living adjustment).

No cost-of-living increase for Social Security in 2016

No cost-of-living increase for Social Security in 2016

Scam tied to new chip credit cards

Yet another scam...beware!

Scam tied to new chip credit cards

4 Health Benefit Changes to Expect in 2016

Now more so than ever before you need to be your own advocate when it comes to healthcare benefits. Costs are rising for most in 2016 and this article gives some good ideas how to protect yourself by reviewing and following up on plan options and your bills too.If you need help Sjoberg & Holmstrom is a broker enrollment center for MnSure and health insurance carriers. 


4 Health Benefit Changes to Expect in 2016

Highlights for Saturday October 10 Your Safe Money Show

On this Saturday's (10-10-15) Your Safe Money Show we look at health insurance rates rising and what that means for you and your family. Plus joint replacement (knee and hip) has become much more common. Were living longer and want quality of life and joint replacement can be part of that. 

Childcare now costs more than rent. No wonder more women are opting out of the workforce

The cost of childcare has gone up and families have to look at what that cost is compared to income generated by their job. By the time you pay childcare and other costs associated with a job, car and fuel costs, clothing allowance, you hope you are staying ahead. This article mentions "women" opting out of the workforce but I feel the decision for one parent to "stay home" would depend on the family and their income situation.


Childcare now costs more than rent. No wonder more women are opting out of the workforce

What to Buy in October

What to Buy in October

You're paying record ATM fees

Be careful of out-of-network ATM fees.

You're paying record ATM fees

Highlights for Saturday October 3 Your Safe Money Show

Have you received your new EMV chip credit card? Well changes are on the way and we'll talk about what that means for you on this Saturday's Your Safe Money Show. Also there are some fees on credit cards many people aren't aware of, find out what they are and how to avoid them.

12 Effective Weapons for Stopping Robocalls

12 Effective Weapons for Stopping Robocalls

Inside the 2015 Forbes 400 List: Facts and figures about America’s wealthiest

Inside the 2015 Forbes 400 List: Facts and figures about America’s wealthiest

Shell ends arctic offshore drilling in Alaska

Shell ends arctic offshore drilling in Alaska

Highlights for Saturday September 26 Your Safe Money Show

Well "The Fed" decided not to raise interest rates, for the time being. I think it will still happen even this year and what will that mean to all of our pocket books? I'll go into detail on that and look at another scam you need to be aware of if you plan on traveling yet this fall. I hope you can tune in Saturday September 26 for Your Safe Money Show

Dealers, Owners Feel Frustrated, Betrayed by VW Scandal

Dealers, Owners Feel Frustrated, Betrayed by VW Scandal

'Hated' CEO lowering price of $750 AIDS drug Daraprim

'Hated' CEO lowering price of $750 AIDS drug Daraprim

Exclusive: Americans overpaying hugely for cancer drugs - academic study

Exclusive: Americans overpaying hugely for cancer drugs - academic study

What 'Sell By' and 'Use By' Dates on Food Really Mean

What 'Sell By' and 'Use By' Dates on Food Really Mean

Highlights for September 19 Your Safe Money Show

The first day of Autumn is Wednesday the 23rd, hard to believe. If you've put off reviewing your budget, this is a great time to give it the once over. I'll have suggestions on how to get your budget on track before winter. Starting Oct. 1st, 100,000 medical codes will start to be used at medical facilities all over the country. What will this mean for you as a patient?

5 things to watch for from the Federal Reserve on Thursday

5 things to watch for from the Federal Reserve on Thursday

Typical American family earned $53,657 last year

Cost of living varies from state to state and is not mentioned in this story. Still interesting.


Typical American family earned $53,657 last year

Most Americans Still Don't Have the Newest Credit Card Upgrade

Most Americans Still Don't Have the Newest Credit Card Upgrade

Gas Price Drops 27 Cents in Past 3 Weeks

Talk to anyone these days and they'll tell you lower gas prices have really helped their "bottom line".


Gas Price Drops 27 Cents in Past 3 Weeks

Highlights of Saturday September 12 Your Safe Money Show

Retiring early, for many people it's not a choice, they can't keep working. On this Saturday's Your Safe Money Show we talk about the ramifications of early retirement. We also answer a question about closing or canceling a credit card, does it hurt or help your credit score?

Steer Clear of These Driving-Related Scams

Steer Clear of These Driving-Related Scams

9 Pricing Secrets Grocery Stores Don't Want You to Know

Here's some great tips that can save you money.


9 Pricing Secrets Grocery Stores Don't Want You to Know

Highlights for Saturday September 5 Your Safe Money Show

Have you ever been asked to "co-sign" on a loan for someone? It's not something to take lightly. This Saturday on Your Safe Money Show I'll have some tips on how to handle co-signing if you decide to do so. Also what's the "shelf life" for some common household items? I'll share how long to keep them and why.                                                                             

What College Cost 100 Years Ago

What College Cost 100 Years Ago

Should You Trust Apps That Access Your Credit Card Information?

Should You Trust Apps That Access Your Credit Card Information?

Highlights for Saturday August 29 Your Safe MoneyShow

On this week's Your Safe Money Show I will get into diversification, asset allocation, volatility in the markets and safe money strategies.

Check out the pie eating contest

I know this is Todd's Blog but I had to share pics from a recent pie eating contest at Todd's church in Mora.

Asia's richest man lost $13 billion in China crash

Asia's richest man lost $13 billion in China crash

http://money.cnn.com/2015/08/25/investing/wanda-wang-jianlin-wealth-loss/index.html?iid=hp-stack-dom

How low the stock market can go

I am a "Safe Money" advocate and I am concerned about what's happening in the markets recently. 
How low the stock market can go

Highlights for Saturday August 22 Your Safe Money Show

We've all heard about the "middle class" but on this week's Your Safe Money Show we go into what that term really means and you can decide if you are "middle class". Budgeting with your significant other can be a challenge and I'll share some insight in how to do this so you get better results. And withdrawing from retirement accounts too early can cost you but there are exceptions as well.

Valeant to spend about $1B on maker of women's libido drug

Valeant to spend about $1B on maker of women's libido drug

Celebrities Who Died Without a Will

There's lessons to be learned from these celebrity stories.


Celebrities Who Died Without a Will

IRS says thieves stole tax info from additional 220,000

IRS says thieves stole tax info from additional 220,000

Drivers Outraged as Gas Prices Soar While Oil Prices Plummet

Everybody was talking how gas prices jumped at least 30 cents around Central Minnesota in a day last week, well here's what some are saying caused the jump. See for yourself.


Drivers Outraged as Gas Prices Soar While Oil Prices Plummet

Highlights for Saturday August 15 Your Safe Money Show

On this week's Your Safe Money Show we look at a story of a wealthy real estate mogul who when he died left very specific instructions on when and how his 21 and 17 year old daughters would get their inheritance. Controlling from the grave how important is this? Also if you are getting married after divorce or a loved ones passing, there are things you need to be aware of in regards to retirement.

6 Home Renovations That May Hurt Your Home’s Selling Price

6 Home Renovations That May Hurt Your Home’s Selling Price

Highlights for Saturday August 8 Your Safe Money Show

Getting our children back to school or off to college can hit us in the "budget" hard. On this Saturday's Your Safe Money Show we talk about these costs and compare to past year's and what we can do to help handle these costs. Plus there's a record number Baby Boomers hitting the open road in RV's, we'll see if this is something you might want to try.

Highlights for Saturday August 1 Your Safe Money Show

So do you understand the difference between an HSA, health savings account and an FSA, flexible spending account? On this Saturday's Your Safe Money Show we'll go over these accounts and the in's and out's. Medicare turned 50 years old on July 30th so I thought we'd go over all the "Parts" and requirements.

Low-Cost Home Security Options to Keep Out Thieves

Here's some great ways to keep your home safe for not a lot of money.


Low-Cost Home Security Options to Keep Out Thieves

State health insurance markets struggle with cost challenges

See how Minnesota is doing compared to other states.


State health insurance markets struggle with cost challenges

Highlights for Saturday July 25 Your Safe Money Show

Generation Xers in the past have gotten a somewhat bad rap. On this Saturday's Your Safe Money Show we talk about that and their current financial situation. Plus I'll have you do a 3 question test of basic money smarts to see how you do.

Low Gas Prices Drive Americans to Travel Record Miles

Get out and enjoy summer!

Low Gas Prices Drive Americans to Travel Record Miles

How Reading Your Social Security Statement Can Make You Richer

Here's some great information on reading your Social Security statement.
If you would like "Your Guide to Social Security" a free booklet just message me here and we'll mail it or send it in an email to you.


How Reading Your Social Security Statement Can Make You Richer

Greek banks reopen, but limits remain

Greek banks reopen, but limits remain

Highlights for this Saturday July 18 Your Safe Money Show

Earlier this week the White House Conference on Aging went on and I'll share some of what came out of that conference and how it will effect older Americans. Also Social Security by the numbers, how much difference does it make getting your benefits at age 62 to 70. 

Here’s How Much You’ll Spend on School Supplies This Year

I know it seems way to early to talk about back to school but the stores have had supplies out since the 4th of July. Keep in mind this is a national story and many schools start in August in some parts of the country.


Here’s How Much You’ll Spend on School Supplies This Year

Weak Retail Sales Hint at Slower Economic Growth

Weak Retail Sales Hint at Slower Economic Growth

Greece crisis reaches deal with creditors

On last Saturday's Your Safe Money Show we talked about the crisis in Greece and how it affects everyday Americans. Well we learned today (Monday) that a preliminary budget deal has been reached but more needs to be done.

Greece reaches deal with creditors, avoids euro exit

Highlight's for Saturday July 11 Your Safe Money Show

The crisis in Greece is effecting markets around the world but there's also other implications, we'll look at those on this Saturday's Your Safe Money Show. Plus protecting your credit card information is so important, and I have advice from an attorney that is invaluable should your information be lost or stolen.

3 reasons the average American may be worse off than Greece

On this Saturday's Your Safe Money Show, we'll look at the crisis in Greece and see how it affects everyday American's.


3 reasons the average American may be worse off than Greece

Can rice really save soggy cell phones?

Can rice really save soggy cell phones?

10 Signs You Might Be a Victim of Identity Theft

Nothing can throw your life into more turmoil than having your identity stolen. So when I see articles that offer tips to keep your identity safe, I feel compelled to share them with you.

10 Signs You Might Be a Victim of Identity Theft

Highlights for this Saturday July 4th Your Safe Money Show

On this week's Your Safe Money Show we continue our discussion from last week with Dennis Norby on insurance, with this week's focus on home/farm and commercial coverage. Plus I will share what I learned at a recent class on health insurance and Medicare.

Hours for Sjoberg & Holmstrom

With the 4th of July falling on a Saturday this year, we will be closed Friday July 3rd and reopen Monday at 8 am. Have a wonderful 4th and we will be monitoring messages so if you have a concern call 320-679-5183 and we'll get back to you as soon as possible.

My son Ryan and his battaloin

Here's pictures of my son Ryan and his battalion at the USS Arizona Memorial in Hawaii. So proud of my son and all who serve our country today and have in the past, with many giving the ultimate sacrifice. Remember them all this 4th of July!

Best Part-time Jobs for Retiree's

Sometimes retirees after a while find themselves wanting more to do. Why not use your talents and experience in a part-time job? Some retirees might need the extra cash but for others it's the satisfaction of contributing their skills to others.
Now is a great time for retirees looking for part-time work as employers like hiring someone with experience and many don't need health benefits since most have Medicare.
So what jobs seem to work best?

Read the article below to see what might work well for you.

http://finance.yahoo.com/news/6-best-part-time-jobs-100158058.html

Why the All-American July 4 Barbecue Is Cheaper This Summer

Why the All-American July 4 Barbecue Is Cheaper This Summer

Global markets spooked by looming 'leap second'

Will this affect you?


Global markets spooked by looming 'leap second'

Highlight's for Saturday June 27 Your Safe Money Show

Insurance is a major part of most people's budget, so any way we can save on those premiums is a good thing. On this Saturday's Your Safe Money Show we talk with Dennis Norby our auto/home/ and commercial coverage guy here at Sjoberg & Holmstrom. He is an independent agent and can shop the best coverage for you.

10 Simple Ways to Raise Your Credit Score

Your credit score determines how much you'll pay for insurance, mortgage, and more so keeping your score high is a real money saver.


10 Simple Ways to Raise Your Credit Score

3 Ways to Slash Vacation Costs

3 ways to slash vacation costs

Readers Choice Winner!

Sjoberg & Holmstrom Financial services was voted Best Financial Advisor Firm 2015 Readers' Choice winner in the Scotsman for Pine/Kanabec. Thank you to the readers and the Scotsman for this recognition!

Highlights for this Saturday June 13 Your Safe Money Show

Gen X-ers (age 35 to 50 this year) are facing a tough financial road, I'll get specific on this topic on this Saturday's Your Safe Money Show. Also your golden years shouldn't be spent worrying if you can pay your mortgage each month, but some retirees do just that. I'll have ways to reduce housing costs.

4 Surprising Ways Your Identity Can Be Stolen

4 Surprising Ways Your Identity Can Be Stolen

6 Lessons That Turn Kids Into Money-Savvy Adults

Here's some great ideas to help your children understand the value of money and how to manage it. Some adults might like this too

6 Lessons That Turn Kids Into Money-Savvy Adults

Highlights for Saturday June 6 Your Safe Money Show

If you are counting on an inheritance to help supplement your retirement, you might want to rethink that. Life doesn't always turn out the way you want. That's one of the things I'll be talking about on this Saturday's Your Safe Money Show. Plus there are getting to be more "elder orphans", people who end up alone late in life and what can be done to help these folks out? And if you have ever had an overdraft you are not alone. What can be done to minimize that from happening?

This is the best time to quit paying for TV, and it’s only going to get better

How we get and watch our favorite shows is changing.

This is the best time to quit paying for TV, and it’s only going to get better

The Discount Is Dead, and What Retailers Are Doing Instead

The Discount Is Dead, and What Retailers Are Doing Instead

Identity Theft After Death: How to Keep Crooks from ‘Ghosting’ Deceased Loved Ones

Identity Theft After Death: How to Keep Crooks from ‘Ghosting’ Deceased Loved Ones

Dinner Events a success

I wanted to thank everyone who came out for our Dinner Events at Michael's in St. Cloud. I enjoyed meeting everyone and sharing information on retirement concerns, from Social Security to Medicare and more. I'll be doing more of these events down the road and we'll remind you about them here at my blog, at the website and on the radio show.
If you're looking for a great place to hold a banquet or want a night out with delicious food Michael's is the place to be. Here's the link to see their website.

Michael's restaurant

Sjoberg & Holmstrom Financial Services Closed on Monday

We will be closed on Monday Memorial Day. If you need assistance leave a message at 320-679-5183, we will be monitoring messages.
Have a safe and enjoyable holiday weekend and remember our veterans past and present.

Highlights for this Saturday May 23 Your Safe Money Show

What is your "Net Worth"? By understanding that number and making comparisons to others in your age group you can gain insight to make changes if need be. The Supreme Court made a ruling this week to make it easier to sue your 401(k). What does that mean to you? And we had a question about the advantage of a Roth IRA over a traditional IRA. 

Theft of debit-card data from ATMs soars

Theft of debit-card data from ATMs soars

Housing Starts Surge to Highest Level in More Than 7 Years

Housing Starts Surge to Highest Level in More Than 7 Years

America's fastest growing job pays poorly

America's fastest growing job pays poorly

Highlights for Saturday May 16 Your Safe Money Show

Will the Fed decide to raise interest rates and if so what will that mean to you and me? Find out on this Saturday's Your Safe Money Show. Also volatility with the stock market can wreak havoc when you're trying to save for retirement, what options do you have? And will the next batch of candidates for President take on the hard job of "reforming" Social Security and Medicare, we'll see. Find out what the Simpson-Bowles Commission report proposes. 

Verizon, Sprint to Pay Millions to Settle 'Cramming' Suits

Be sure to check your monthly statements for errors.

Verizon, Sprint to Pay Millions to Settle 'Cramming' Suits

The $24 Billion Workers Are Leaving on the Table

Never leave "free" money on the table.

The $24 Billion Workers Are Leaving on the Table

Why You Need a Family Financial Record

Why You Need a Family Financial Record

3 Things You Really Should Know About Mobile Payments

Is this the future of paying bills? See for yourself.


3 Things You Really Should Know About Mobile Payments

Highlights for Saturday May 9 Your Safe Money Show

Everyone makes mistakes sometime, but when it comes to your retirement, that can be a disaster. On this week's Your Safe Money Show I'll have ways to avoid or at the very least fix retirement mistakes.

12 Ways to Keep Your Money Safe Online

12 Ways to Keep Your Money Safe Online

10 Ways Our Grandparents Were Smarter About Money

10 Ways Our Grandparents Were Smarter About Money

Lusitania: The epic battle over its biggest mystery

Lusitania: The epic battle over its biggest mystery

Here's what's driving up housing prices

Here's what's driving up housing prices

Highlights for Saturday May 2 Your Safe Money Show

More than 4500 people enroll in Medicare daily. So I thought I better talk about some changes to Medicare including the number on your card changing and a new law fixes how doctors are paid. Plus I'll have four mistakes for you to avoid when enrolling in Medicare. We're also having a complementary dinner event and for more details check the website.

The death of the 40-hour workweek

Balance in all aspects of your life is so important.


The death of the 40-hour workweek

These 22 cars are the most economical to own

Here's an interesting take on how car prices are more than the sticker price.


These 22 cars are the most economical to own

Millennials and Credit Cards: How We're Getting It Wrong

Millennials and credit Cards How We're Getting it Wrong

Highlights for this Saturday April 25 Your Safe Money Show

April is Financial Literacy Month, so before the month is done I'll talk about mandated financial programs in High School, do they make a difference? As more and more boomers get into retirement, housing needs change, we'll look at the current trends for retirees .

3 Money Questions Every Couple Must Answer Before They Marry

If you are getting married this year, read this article first.


Money questions every couple must answer before they marry

5 Frugal Ways to Support Earth Day

Ways to support Earth Day

Will Social Security Numbers Finally Be Taken Off Medicare Cards?

Will Social Security Numbers Finally Be Taken Off Medicare Cards?

An alarming new way to steal your passwords

An alarming new way to steal passwords

Highlights of Saturday April 18 Your Safe Money Show

On this week's Your Safe Money Show author Dan Buettner has a book out called "The Blue Zones Solution: Eating and Living Like the World's Healthiest People", we will share ideas from his book on living a long and healthy life.
Did you know if student loan debt isn't paid by the time you draw Social Security the government can take money from your Social Security? They can, and I'll have ways to keep this from happening.
I will also have things you can do now to help you with next years taxes. 

Is Your Home a Sound Investment?

Is your home a sound investment?

The IRS Has New Favorite People to Audit

The IRS Has New Favorite People to Audit

7 Valuable Childhood Collections That You Could Sell

Do you have something from your childhood that's worth some money?

Valuable childhood collections that you could sell

It’s National Retirement Planning week: Let's celebrate

National Retirement Planning Week

Highlights for Saturday April 11 Your Safe Money Show

Will you be able to maintain your standard of living in retirement? A recent finding says Americans standard of living is dropping in retirement and another says were not saving enough. This will not be a gloom and doom show, I have solutions to these concerns. I also look at renters insurance, is it a good idea?

Buried under student loan debt? Help is on the way

Being strapped with student loan debt can make it difficult to make ends meet long after graduation. Looks like there's help.

Student loan debt? help is on the way

When Seasonal Allergies Get Serious

Why would I post this article on a Safe Money site? Well allergies are an issue for so many and when someone's allergies are at their worst, you can miss work and that means loss of income. So I hope this information helps you id you're an allergy sufferer.


Seasonal allergies

How to Discuss Aging Issues With Your Kids

Starting the conversation

How important is your credit score?

Credit score

Closed for Good Friday

A reminder Sjoberg & Holmstrom Financial Services will be closed Friday April 3 for Good Friday. Everyone at Sjoberg & Homstrom Financial Services and Your Safe Money Show wish you and your family a joyous Easter!

                                                                           

Highlights for Saturday April 4 Your Safe Money Show

Do you wonder how long to keep documents, like bank statements, tax returns, certificates, and other papers? We tell you what to save , for how long and what you can throw or shred. Also, I think all of us at one time or another, have received "bad money advice". I'll tell you why some of the more common money misconceptions should be looked at.

Single boomers forming ‘Golden Girls’ households

Could the "Golden Girls" lifestyle work for you?

Cheap gas is saving Americans $750. So far, they aren't spending it

Cheap gas is saving Americans $750. So far, they aren't spending it

Your credit card’s best-kept secrets

Your credit cards best-kept secrets

Don't throw away these tax records

Don't throw away these tax records

Highlights for Saturday March 28 Your Safe Money Show

We all love paying taxes right? Oh guess not...well on this Saturday's Your Safe Money Show I share tax saving ideas and have a reminder about the Homestead Credit Refund and Renter's Rebate.

Seniors Rattled by Endless Risk of Medicare Cuts to Doctors

Medicare cuts to doctors

New Home Sales Jump to Seven-Year High in February

New Home Sales Jump to Seven-Year High in February

How Retirement Benefits Will Change in 2015

New retirement benefit features for this year...see what you think.

How retirement benefits have changed for 2015

The $10 bill is up next for a new look

The $10 bill is up next for a new look

Highlights for Saturday March 21 Your Safe Money Show

Tax time is right around the corner, filing late means penalties. On this week's Your Safe Money Show I'll tell you how expensive those penalties can be.
The U.S. government has run into the legal limit on how much it can borrow, find out how that affects you.
And the year you're going to retire, I have a to-do list that will help you plan your retirement.

What an interest rate increase means for real people

This article ties into one of the topics on this week's Your Safe Money Show, and that is how inflation can impact your ability to save or borrow.

What an interest increase means for real people

Audit Red Flags: How to Avoid an IRS Examination

With tax time right around the corner here's some good suggestions to help avoid an audit.
How to try to avoid an IRS audit

Iran nuclear deal could make oil even cheaper

Iran nuclear deal could make oil even cheaper

Highlights for Saturday March 14 Your Safe Money Show

Are you helping to financially support your adult children? That can really hurt your ability to save for your retirement. Find out how to get yourself out of this situation. The three biggest credit reporting agencies say they will change the way they handle errors, we'll talk about how that affects you. Tune in for Your Safe Money Show Saturday morning March 14th. 

Don't want to file your taxes? Get ready to pay ... a lot

Don't want to file your taxes? Get ready to pay a lot

There's good news and bad news with credit card debt

The good and bad with credit card debt

Highlights for Saturday March 7 Your Safe Money Show

We look at whether you should "replace" or "repair" big ticket items in your home. Roof, furnace, air-conditioner, plumbing and appliances and we find out how long approximately these items should last.
And when is the best time to convert an IRA to a Roth IRA?

Americans have a record $248 billion in 529 college savings accounts

529 college savings accounts

New cars and trucks with the worst gas mileage

New cars and trucks with the worst gas mileage

How to Get Free Tax Help When the IRS Won’t Answer Your Call

Free tax help

Roth IRA questions answered

Here's some questions about Roth IRA's answered from a market watch article.

Roth IRA questions answered

Highlights for Saturday February 28 Your Safe Money Show

Finances can be a challenge at any age, once you're out in the work-a-day world. On this Saturday February 28th Your Safe Money Show, I'll look at the unique financial challenges we have during mid-life and how we can over come some of those challenges. Plus, empty nesters have an opportunity to save some money for retirement once the children are on their own. 

Your Embarrassing Online Searches About Health Problems Aren’t Private

Your on-line searches are not private

NerdWallet Survey Results

The average U.S. adult scores about 50% on personal finance questions related to U.S. federal income tax returns. Most American adults get an “F” in understanding income tax basics, according to a NerdWallet survey. Respondents scored on average 51% in a 10-question quiz on tax basics related to such personal finance issues as retirement, college savings and health care.

How Social Security Keeps Paying You for Working Longer

Benefits of working longer

Highlight's for Saturday February 21 Your Safe Money Show

I think we all know the cost of healthcare is s huge concern, especially as we look to retirement. On this week's Your Safe Money Show we examine ways to save money on healthcare and prescriptions.

Fake IRS phone calls tops list of tax scams

Scam involves impersonating IRS agents

Stock Up While It’s Cold: 5 Things You Should be Buying Now

Good time to buy these items

IRS says it's using technology from JFK's time

Technology is behind at IRS

Highlights for February 14 Your Safe Money Show

So Valentine's Day is this Saturday and Your Safe Money Show looks at on-line dating coaches and what they can do to help you find that special someone. We'll also talk about the recent "Stress in America" survey that shows the number one worry weighing on people's health is money.

The IRS Could Audit You for Doing This

Be aware of reasons why the IRS might audit you

Want cheap airfare? This is the best day to book a plane ticket

Planning a trip and need a flight to get there? Check this out first.

When you buy ticket can make a difference

7 ways you're using your credit card wrong

Using your credit cards correctly could save you in the long run.

Be smart using your credit cards

Your Planning Guide

On last Saturday's show I gave Your Planning Guide away as a gift to listeners that wanted a nice all-in-one binder of papers you can fill in with your important info. for loved ones. If you're reading this and would like this guide simply go to the contact us page and ask for yours.

Highlights for Saturday February 7 Your Safe Money Show

On this week's Your Safe Money Show we talk about a family who's Mother passed away unexpectedly and they had no idea where any of her documents were or what her wishes would be. I don't want this to happen to you and your family. Find out what documents to have and where to keep them and how to have "that" conversation with your loved one. Also when one spouse passes away sometimes the remaining one can have financial hardships. What can be done to make this situation better. Listen at the stations listed or go to the podcast page Monday to hear the show there.

Anthem Hacked in 'Sophisticated' Attack on Customer Data

Anthem Hacked

Tech Tips: Unlimited data plans may have restrictions on speed, off-network roaming

How good is your "unlimited" cell phone plan?

Unlimited plans may have some unknown restrictions

Why mortgage debt threatens boomers’ retirements

Mortgage debt threatens boomers retirement

New federal rules for telecom industry may clarify whose Internet it is

Whose internet is it?

Highlights for this Saturday January 31st Your Safe Money Show

Could a "phased retirement" be right for you? I look into what a "phased retirement" is and how the government is implementing it this year and if it will work in the private sector. Tune into Your Safe Money Show this Saturday the 31st of January to get the scoop

How Long Can You Expect Your Roof or Fridge to Last?

Keeping enough money tucked away to cover the cost of replacing a big ticket item like a refrigerator is important. This article tells you what the average shelf life is for various items in your home.

How long will items in your home last?

Cheaper gas gives small businesses big savings each month, creates expansion opportunities

Cheaper gas making a difference

Health beat: Chronic pain's toll growing in Minnesota

Here's some interesting data on what seems to be a growing problem.



Chronic pain

WE’LL SPEND BIG ON VALENTINE’S DAY

Americans are feeling sweet about romance as Valentine’s Day approaches, with consumers expected to spend big this year on candy, jewelry and flowers. The average person celebrating the holiday on February 14 (a Saturday) expects to spend $142.31 in the name of love, about $8 more than last year.

Rural counties in Minnesota leading economic recovery

Rural counties in Minnesota leading recovery

Highlights for Saturday January 24 Your Safe Money Show

Everyone makes mistakes sometime but when it comes to your retirement income you can't afford to make too many mistakes. On this week's Your Safe Money Show I discuss 7 common financial mistakes and how to avoid or minimize them.

Low gas prices, higher incentives change the math for electric cars, but range still an issue

Electric cars worth the extra price?

Texas is preparing for an oil bust

Preparing for oil bust

This story out of Texas talks about having a backup plan. Today retirees and pre-retirees need to understand the importance of getting a "plan" together to make sure you'll have enough income to carry you all the way through retirement.

Highlights for this Saturday January 17 Your Safe Money Show

Because were living longer the opportunity to keep working in retirement is becoming more common. What I mean by work could be a second career, or something you've always wanted to do. On this week's Your Safe Money Show we look at what some soon to be retirees and retirees are doing to make their retirement more fulfilling.