Your Safe Money Show Building credit when you don't have any 12 28 24

Closed for the holidays

 Sjoberg & Holmstrom Financial Sevices and Your Safe Money Show wish you a Merry Christmas and a Happy New Year! Our office will be closed December 24th through January 1st. You can leave a message at 320 679-5183.  

Topics for upcoming Your Safe Money Show December 28th

 We hope you enjoyed the Christmas music sponsored by Sjoberg & Holmstrom and Your Safe Money Show on the 21st. We are back this Saturday December 28th with another edition of Your Safe Money Show. Todd will explain reasons for having life insurance. How to build credit when you don't have any. And what are the risks of "buy now, pay later" programs. Listen at 8 a.m. at Nice 95.5FM KBEK. They stream live at kbek.com. Hear recent shows at yoursafemoneyshow.com, on Facebook and Youtube under Your Safe Money.

Sounds of the season for this Saturday December 21st

 Coming up this Saturday December 21st Sjoberg & Holmstrom Financial Services and Your Safe Money Show will be sponsoring Christmas music from 8 to 9 a.m. on Nice 95.5FM KBEK. We hope you enjoy the sounds of the season. Your Safe Money Show will be back December 28th with a new show.

Emergency fund

 An emergency fund is something I recommend to all my clients. Generally it’s 3 to 6 months of money set aside that equals that time period of expenses. Emergency funds are meant to help you make ends meet if you suffer an income loss or face an unexpected, essential expense. Bottom line we all have needs, wants, and wishes. The emergency fund is there to make sure you can cover your needs. Events worthy of using your emergency fund generally fall into one of two buckets: paying bills during a period of income loss or covering unexpected, essential expenses.

Your Safe Money Show Reasons to spend from your emergency fund 12 14 24

Highlights for December 14th Your Safe Money Show

 Coming up on this Saturday's (December 14th) Your Safe Money Show. Todd has good reasons to spend money from your emergency fund. He’ll also touch on how to undo claiming Social Security early. Boomers carry more cash than younger generations and their reasoning is spot on, he’ll explain. And credit card debt has hit a record, he’ll have the Red Flag for your budget. Listen at 8 a.m. at Nice 95.5FM KBEK. They stream live at kbek.com. Hear recent shows at yoursafemoneyshow.com.

Dates for MnSure

 Just a reminder MnSure open enrollment for 2025 is running now through January 15, 2025. Enroll by December 18 for coverage starting January 1, 2025. Enroll December 19 through January 15 for coverage starting February 1, 2025. Todd is a MnSure broker and navigator so call 855-22 money, that’s 855-226-6639 or go to yoursafemoneyshow.com.

Ways to avoid holiday debt 12 7 24

Highlights for December 7th Your Safe Money Show

 Here's what we're working on for Saturday December 7th Your Safe money Show. I think you’ll be surprised how many tasks with Social Security you can now do “online”. Todd will go into detail on that. Plus he’ll have signs you’re ready to retire. And he’ll have ways to avoid holiday debt. Listen at 8 a.m. at Nice 95.5FM KBEK. They steam live at kbek.com. Hear recent shows by going to yoursafemoneyshow.com.

New technology for older adults

 On last weeks (11-30-24) Your Safe Money Show we talked about technology that can help older adults and one item I thought was especially helpful was GPS Insoles: the GPS SmartSole can go into the shoes of those living with dementia, allowing them to be found if they wander off. You can set a perimeter, receive a notification if the person leaves their designated area and track them via the GPS in the insoles. Similar technology exists in watches, but people with Alzheimer's or other types of dementia are often resistant to new wearable devices. To see the entire list of technology go to yoursafemoneyshow.com .

Your Safe Money Show Tech tools for older adults 11 30 24