Ask HTM - CDs are a Smart Move, Shopping for the Best Mortgage Rates, and What to do with an old HSA #214

How to Money

iHeartPodcasts

Investing, Education, Business

4.6 • 3.2K Ratings

🗓️ 15 June 2020

⏱️ 48 minutes

🔗️ Recording | iTunes | RSS

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Summary

We’re kicking off the week by answering your questions! And if you have a question for us, we’d love for you to submit your own via HowToMoney.com/ask/

1 - If I try to purchase a home with cash, can I expect to get a better deal? How does this work?

2 - My employer is changing health coverage options, so what should I do with money that is in my HSA?

3 - What are CDs and are they a good idea these days?

4 - How should I go about shopping for the lowest mortgage rate?

5 - Should I be contributing to my 403b at work, or should I focus on my Roth IRA instead?

During this episode we enjoyed a Pseudo Sue by Toppling Goliath- thanks to Kelsey for donating this one to the show! And as we’ve ramped up the podcast with an additional Friday episode every week, we could really use your help to spread the word- let friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to spread the word to get more people doing smart things with their money in these difficult times!

Best friends out!

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Transcript

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0:00.0	Hi, I'm Francis Frye and I'm Ann Morris and we are the hosts of a new TED podcast called Fixable.
0:05.6	We've helped leaders at some of the world's most competitive companies solve all kinds of problems.
0:11.1	On our show, we'll pull back the curtain and give you the type of honest,
0:14.6	unfiltered advice we usually reserve for top executives.
0:18.2	Give us a call and we'll help you solve the problems you're stuck on.
0:21.2	Listen to Fixable on the iHeartRadio app on Apple Podcast or wherever you get your podcast.
0:30.9	Check out the Your Financial Maven podcast where we need to change the way we think about money,
0:35.9	our understanding of it, and the effects. I'm Samantha Mittman-Besnov, CPA and I have spent
0:41.2	over 25 years in the accounting field. The Your Financial Maven podcast will touch on things
0:46.1	like saving and budgeting and really anything around money to help you feel financially empowered.
0:51.7	Listen to the Your Financial Maven podcast on the iHeartRadio app, Apple Podcast or wherever you
0:57.6	get your podcasts.
1:28.4	Welcome to Hadamuni, I'm Joel.
1:31.9	And I am Matt and today we are answering your listener questions.
1:41.1	Joel, we've got listener questions this episode, man. We've got five great ones like we always do.
1:59.7	It's ever that one, there's that one bad one. That's true. Well, we had one bad one,
2:03.2	but then we replaced it and kicked it to the curb. Yeah, we're like, no, we're not going to take
2:06.5	that question. We've got several good ones here, including one about CDs, certificates of deposits.
2:12.8	We're going to talk about shopping for the best mortgage interest rates as well as HSAs, health
2:18.1	savings accounts. Whether or not you have to use the one that is offered by your employer,
2:22.8	we're going to get to that plus two others in this episode, man. But first, I know you wanted to
2:27.2	mention something. Let's talk a little bit about buying kitchen appliances. Oh, yeah, super sexy
	...

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