PODCAST · business
Dollars and Sensibility with Tom Stone
by Tom Stone
Money is a big part of all of our lives - so let’s make it a positive thing. Tune in with Tom where he keeps it real, breaks down the basics, and gets first-hand advice from the experts. Contact Tom Stone at goapplywithtom.com
Episodes
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What’s wrong with “At Least I’m Doing SOMETHING”
Tom and Brandon talk about something that may be controversial - the phrase they hear often “at least I’m doing ____” If we don’t know our WHY or WHERE we are going, that statement can just be a justification and block you from growing more. Listen in and learn with Tom and Brandon as they…
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What We’ve Learned through Coaching
EVERYONE should have a coach! Hear about Tom’s and Brandon’s recent experiences with a coach and why it’s a good idea for everyone. They discuss some nuggets of wisdom they’ve learned and how it all applies to real estate! Learn more at https://applywithstone.com/
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How almost ANYONE can help their child buy a home
The average first time homebuyer in the US is now at age 40! Tom and Brandon come together to talk about how this is actually a big problem. Tom shares how he personally helps his kids and suggests other people help their kids that does NOT require you to put down a huge downpayment for them!…
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Hedging Debt against Inflation - and why it works
Tom and Brandon talk numbers and what it means to "hedge your debt against inflation" - a question brought up by Tom's youngest son. If you're worried about a 6% interest rate, this episode will bring you a lot of peace and perspective! Learn more at ApplyWithStone.com
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Is it a Problem or an Opportunity?
In this episode Tom and Brandon talk about problem solving - something we all have to do every day. We talk making decisions while also dealing with fear, especially when it comes to business and real estate problems (or opportunities, depending on how you look at it) Learn more at...
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How I EMPOWER My Kids to Buy Their First Home
Join Tom and his daughter in law, Elizabeth, as she talks about the experience of buying their first home. They walk through the specifics of how Tom empowered and helped them get a leg up and get their first home back in 2021. This episode has great tips for parents wanting to help (but not...
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Should I Buy Down my Rate?
Tom and Brandon sit down to answer clearly a question they get all the time - should I buy down my rate? After quickly answering the question, they dive into WHY as well as diving into some market predictions! Learn more at ApplyWithStone.com
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Does Bargain Bias Exist When Shopping for a Loan?
Bargain bias - or what we call “discount delusion disorder” - is REAL when getting a loan. Real estate purchases are some of the biggest purchases of your life, so going just for the “cheapest” loan is often something that will bite you in the butt later on! Listen in Tom and Brandon discuss what...
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Should I Pay Off My House?
Join Tom on this quick podcast episode where he gives you his honest answer to this common question: “Should I pay off my house??” He speaks from experience and has a clear answer for you! Learn more and chat with us! ApplyWithStone.com
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Know vs No: The Truth about Reverse Mortgages
When we mention reverse mortgages, we often hear an immediate “NO” But do they really know what they are saying no to? Usually not! In this episode Tom dives into how Reverse Mortgages ACTUALLY work, so you’re in the KNOW instead of just saying NO Learn more at ApplyWithStone.com
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Mortgage Loan Officer's MARKET PREDICTIONS
Listen in to this quick solo podcast where Tom gives his market predictions for the rest of 2026 and beyond. With so many years in the industry, he's got a great pulse on things and has seen these trends before! Contact us at ApplyWithStone.com
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Should I Trust Someone NEW in the Real Estate Industry?
Meet Tori, our new loan officer! She’s been in the business for a couple of weeks now. Hiring someone BRAND new is not something Tom ever planned on. But you can’t teach customer service, integrity, and likability. Tori has all that, and with the years of experience with the Stone team, Tori will...
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Loans on UNIQUE Real Estate Properties
Unique properties comes with unique loans - today we talk about something that has come up multiple times this week! Log homes, manufactured homes, cabins, and barndominiums. It's good to have experts behind you when purchasing unique properties! Learn more about us at ApplyWithStone.com
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Kids These Days: She Bought a House at NINETEEN
Mariah bought a house at 19. No, she’s not a trust fund baby. Now, she is 27 and looks back on this decision and how it’s impacted her life. Tom and Mariah discuss anxieties, age limits, and the realities of buying a house. Kids these days are pretty amazing! Learn more and contact us at...
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Kids These Days: 18 year old Entrepreneur
Luci Rand is a senior at Wasatch High School, and the owner of Lens By Luci (https://www.instagram.com/lensbyluci/) (https://lensbyluci.mypixieset.com/) Luci is wise beyond her years and discusses starting a business, managing school and work, future real estate plans, and even if college is...
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Kids These Days: High School Senior's Perspective
Part 2 of Tom’s “Kids These Days” series brings a Wasatch High School senior, McCoy. McCoy’s mom, Ashley, was just on the podcast and getting a second generation perspective was insightful and encouraging. Hear about where high school seniors are at mentally with their ideas of the future.…
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Kids These Days: Advice from my 7 Year Old Granddaughter
Join Tom and his 7 year old granddaughter on this short, fun episode! They talk all about learning, building businesses, and the importance of a home. You can never start educating too early! Learn more or get ahold of us at ApplyWithStone.com!
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Finally BUYING After Renting for 20 Years
Join Tom and Ashley, who has worked at the office for 11 years. 5 years ago, she bought a home for the first time (after 20 years of renting and thinking buying would be impossible). Since then, she’s been able to pay off student loan debt and acquire more properties, transforming her finances…
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YOUR Mortgage Question: Is 2026 a Good Time to Buy?
Welcome to our first recording of 2026! The number 1 question we are getting right about now is, “What kind of mortgage trends do you foresee in 2026? Is now a good time to buy?” Join Tom and Brandon as they discuss their advice based on years of experience, including interest rate expectations,...
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YOUR Mortgage Question: What in the world is a ADJUSTABLE Rate Mortgage??
Whenever we mention an “ARM” (Adjustable Rate Mortgage) - the reaction is “no way, not for me.” Well, let us tell you a little more about itand THEN you should decide! In this episode we dive into the plusses and minuses and WHEN an ARM is a great option for you. Our answers may surprise you!…
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YOUR Mortgage Question: Should I Think About Buying a Condominium?
In this episode, the team takes opposite views and debates it out to answer the VERY common question: should I buy a condo?? They also dive into the education and questions YOU need to ask before buying a condo - there is more that goes into it than you think! Come chat with us and learn more at...
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YOUR Mortgage Question: All About AFFORDABLE HOUSING
Talking about how to define what is “affordable” for you (including formulas!), government programs and how to afford them, downpayment assistance, USDA loans, veteran housing, self-help homes, and much more. This episode is bursting with need-to-know info for people searching for affordable...
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YOUR Mortgage Question: How do I help MY PARENTS?
Diving into one of our most frequently asked questions - how do I help my PARENTS with their retirement? Diving into Reverse Mortgages, the Stone Team discusses the misconceptions and facts about this amazing product that is a perfect fit for so many people who would love some extra $$$ during...
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The Mortgage Question We Get Asked the MOST
Today we are going over our most commonly asked question BY FAR! Our in-house expert, Danielle, goes over how to determine how much to “put down” on your real estate investments. In this episode, we go over the loan products and options. It’s chock-full of NEED TO KNOW real estate info! Get more...
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3 Mortgage Questions We Got Asked Today
In this quick episode we answer 3 questions we literally got asked today - from real people with real mortgage questions! From deed restrictions to blended rates, we quickly answer your questions in this episode!
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If You Want It, Go and Get It
We were lucky enough to have Brandon's younger brother, Preston, join us for an episode! Preston owns many properties in Heber Valley and talks about how he got started doing so at a very young age. His practical and specific advice is great for anyone looking to build wealth through real estate....
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The Self-Made Man
We're lucky to have Tracy Sabey with us this week - a well-loved man in the community who has an incredible story. Listen in and hear some wisdom from a truly self-made man and how he has built his real estate portfolio. Learn more at GoApplyWithTom.com
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Bad News is Good News in Real Estate
Listen in to this quick episode where Tom and Danielle explain what they mean when they say "bad news is good news," especially when it comes to investing in real estate! Learn more at GoApplyWithTom.com
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Mortgage Loan Officer ORIGIN STORES
Join us for an episode of ORIGIN STORIES! We are welcoming Brandon Hicken, our newest Mortgage Loan Officer, to our office. We are taking the opportunity to talk about how in the world we got into doing Mortgages and where it's taken us! Learn more at GoApplyWithTom.com
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Investing in Your 50s
Join the team as they chat with longtime friend, Keith Wills, about starting investments at an "older" age! Full of do's and don'ts, this episode is chock-full of great advice and tips from people who have been there. Learn more at GoApplyWithTom.com
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Waiting is NOT a Strategy
The number 1 thing we are hearing right now is that people want to WAIT to buy. While that may be smart in some circumstances, we are here to warn against the risks of waiting! Join us in this quick episode as we break down TIMING of taking opportunities. Learn more at GoApplyWithTom.com
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Some People See Problems, Others See Opportunities
Join us as we speak with a very special guest, Kam Kohler! This local legend started as a dairy farmer and became an entrepreneur and real estate investor. Join us as we talk about his career path and more! Learn more at GoApplyWithTom.com
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You Train People How to Treat You
Learn more at GoApplyWithTom.com From parenting to friendships to being a Landlord, you TRAIN people how to treat you. Join Tom and Danielle as they discuss strategies to make the most of this truth, especially in regards to owning real estate.
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The Golden Handcuffs: a Low Interest Rate
Owning a home with a 2-3% rate is a magical thing. But this golden opportunity can turn into "golden handcuffs" if you aren't careful. Join Tom and Danielle this episode to understand your options with your low-interest-rate property and how to make the most of it for your family. Learn more at...
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Upgrade Homes: Rent Yours, Buy New with No Down
Here's an idea: convert your current home into rental and buy a new house with no down payment. Yes, it's totally possible and Tom talks all about it in this new episode! Learn more at goapplywithtom.com
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Financial Options for Retirement
Would you encourage your grandma get a Reverse Mortgage? Tom and Danielle would. Join in as these mortgage lenders talk about the myths, advantages, and negatives of Reverse Mortgages. Learn more at goapplywithtom.com!
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Art of Selling and Negotiating
Join Tom on this quick solo episode where he talks about SALES - something we ALL have to do (even if we aren't technically sales people!) Learn more at https://branches.guildmortgage.com/ut/hebercity/thomas-stone-409-skts.html
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Fiscal Conservatism vs Fiscal Progressiveness
We're back after a big move and a busy season of life! Join Tom as he touches on some big questions like: -Is it really in my best interest to pay off my loan? -What kind of real estate investment is for me (if any)? -How is my financial attitude affecting my life? Learn more at...
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Is a Realtor really worth the money?
We all have a love/hate relationship with realtors. Listen in to hear our professional opinion on whether or not they are worth the money (and if we use them ourselves!) Learn more about Tom Stone at https://goapplywithtom.com/ Learn More about Jalayne Bassett at https://bassettrealtygroup.com/
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Stocks, bonds, and getting rich slowly
We are all tempted by the "get rich quick" schemes out there- and our guest Scott Phillips knows all about them. As an experienced and successful financial advisor, he has some insights that are proven to get you rich... slowly. But good things take time, right? Learn more about Tom:...
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Nightly Rentals - Worth It?
Nightly Rentals (VRBO, AirBNB, etc) are all the rage. Listen in as Tom gives his very honest professional opinion on whether or not nightly rentals are a good investment! Learn more at https://branches.guildmortgage.com/ut/hebercity/thomas-stone-409-skts.html
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SPEC HOUSE is FRAMED! What is 4 way?
The conversations continues! Listen in as designer, contractor, and investor talk about bumps in the road, successes, and next steps on the newly framed SPEC HOUSE in Midway, Utah Spec House listing: https://www.zillow.com/homedetails/391-Brinton-Ct-Midway-UT-84049/2063256705_zpid/?view=public...
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WAITING vs. TIMING
Waiting and timing are not synonyms for your investment strategy! In this solo podcast, Tom dives into his TIMING with the spec house and some other insider tips for investing in real estate. Learn more at GoApplyWithTom.com @dollarsandsensibility on instagram
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Buy a home in THIS economy?
I've had 4 people come talk to me in the last week saying essentially this: "my adult children don't know if it will ever be possible to buy a home with these rates and these prices." In this episode we tell you exactly what we told them - HOW to buy a home in this economy. It's definitely…
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SPEC HOUSE UPDATE
We're doing a part 2 on our most popular episode! Listen in with Tom (the investor), Tate (the contractor), and Bri (the designer) as they give updates on and share experiences about the spec house they are working on! Learn more at: www.GoApplyWithTom.com www.berg.construction www.midway.design
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YOUR personal economy
YOUR day to day is effected by economies. Global, national, local, and personal economies. These are all related, but NOT the same. Listen in as Tom discusses your personal economy - what that means, looks like, and how you can magnify it. Learn more at GoApplyWithTom.com or call 435-654-9979
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35 years in business to learn “it always works out”
Pam Metcalf is Tom's boss. She is the District Manager of Guild Mortgage - and has become a very close friend of Tom's. They've been in the business a long time - and this one thing is for sure. It ALWAYS works out! Learn more at GoApplyWithTom.com
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Headache Factor with Owning Real Estate
In this episode, we go over a quantifiable analysis of all things considered in owning real estate. Is it worth it? As always, learn more at GoApplyWithTom.com
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Recessions and Real Estate
Rather than fixate on the "recession," let's talk facts and figure out how you REALLY are affected. How can you spend this time getting ahead? What is YOUR personal recession? How can we make this a positive thing financially? Listen in on this solo episode with Tom Stone. Learn more at...
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So… What is an Underwriter?
Tom and Guild Mortgage's Regional Operations Manager sit down to discuss the BEHIND THE SCENES of what happens when you apply + go through the mortage process. Learn more at GoApplyWithTom.com
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ABOUT THIS SHOW
Money is a big part of all of our lives - so let’s make it a positive thing. Tune in with Tom where he keeps it real, breaks down the basics, and gets first-hand advice from the experts. Contact Tom Stone at goapplywithtom.com
HOSTED BY
Tom Stone
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Frequently Asked Questions
How many episodes does Dollars and Sensibility with Tom Stone have?
Dollars and Sensibility with Tom Stone currently has 69 episodes available on PodParley. New episodes are automatically indexed when they're published to the podcast feed.
What is Dollars and Sensibility with Tom Stone about?
Money is a big part of all of our lives - so let’s make it a positive thing. Tune in with Tom where he keeps it real, breaks down the basics, and gets first-hand advice from the experts. Contact Tom Stone at goapplywithtom.com
How often does Dollars and Sensibility with Tom Stone release new episodes?
Dollars and Sensibility with Tom Stone has 69 episodes. Check the episode list to see recent publication dates and frequency.
Where can I listen to Dollars and Sensibility with Tom Stone?
You can listen to Dollars and Sensibility with Tom Stone on PodParley by clicking any episode. We provide an embedded audio player for direct listening, and you can also subscribe via your preferred podcast app using the RSS feed.
Who hosts Dollars and Sensibility with Tom Stone?
Dollars and Sensibility with Tom Stone is created and hosted by Tom Stone.
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