Financial Finesse
Financial Finesse
Blog Post
  • It’s official. The Holiday shopping season has begun. If you are like me and my family, spending for the holidays is one of the biggest budget busters you will face. Even if you have done a great job controlling your spending up until now (and I hope you have!), the desire to splurge during the holidays is all too real. To help, I’ve put together some tips on how to manage your spending while keep...

Financial Finesse
Financial Finesse
Blog Post
  • It’s official. The Holiday shopping season has begun. If you are like me and my family, spending for the holidays is one of the biggest budget busters you will face. Even if you have done a great job controlling your spending up until now (and I hope you have!), the desire to splurge during the holidays is all too real. To help, I’ve put together some tips on how to manage your spending while keep...

Financial Finesse
Financial Finesse
Blog Post
  • It might not always seem black and white when it comes to deciding whether to buy or to lease a car. There are pros and cons to each, but there are some things to think about that may have you leaning more in one direction. It also helps to calculate your potential savings to see which makes more sense. When deciding, ask yourself these 5 questions, which should help. How do you feel about your ov...

Financial Finesse
Financial Finesse
Blog Post
  • A friend of mine recently asked me about doing a balance transfer, which is a common question I receive. After all, you may get offers in the mail for credit cards with rates that look quite enticing compared to what you’re currently paying. There are definitely some pros and cons, and here are a few other things to consider: How’s your credit? Depending on your credit score, you may not qualify f...

Financial Finesse
Financial Finesse
Blog Post
  • When it comes to planning your spending (sometimes called that nasty “budget” word), there are many ways to do it. I’m personally not one to track every penny or even allocate between shopping, dining out, travel or wine, but some people are. There’s no right or wrong way, just the way that works for you — diff’rent strokes for diff’rent folks. While I don’t track specific categories of spending, ...

Financial Finesse
Financial Finesse
Blog Post
  • The only silver lining I can think of to the Equifax breach is that it has expanded awareness of credit fraud, moving people to look for ways to protect their credit. But for many, the options to protect your credit may seem overwhelming. Ultimately, the best option is the one you will actually do and one that gives you peace of mind. As you start searching for options, you can use the following a...

Financial Finesse
Financial Finesse
Blog Post
  • If you’re like a lot of people, even if you have gotten help choosing the investments in your 401k, you may not really understand how those investments work or what they are made up of. I felt that way for a long time. Like fish in moving water I still remember choosing investments for my first retirement plan, a 403b. I really had absolutely no idea what I was doing — even after studying for and ...

Financial Finesse
Financial Finesse
Blog Post
  • Over the last few months, I’ve been on a quest to add a new skill into my life. Living in Maryland, near the Chesapeake Bay with marinas galore, and as a former boat owner – I decided that sailing is a skill that I should learn. I grew up spending lots of time on the bay and lived on a boat for a number of years after my marriage ended. But I’ve always been a power boat guy — fire up the engines, ...

Financial Finesse
Financial Finesse
Blog Post
  • “I could have bought a place in Dumbo before it was Dumbo for like 2 million. That same building today is worth 25 million. Guess how I’m feelin’?” — The Story of O.J., by Jay Z Have you ever heard someone rave about their investment successes? They tell you how they got in that stock when it was worth nothing or how they sold out of the market just before the bottom fell out. It is easy to point ...

Financial Finesse
Financial Finesse
Blog Post
  • When my husband and I first made the decision that he would stop working and go back to school full-time to take accelerated classes towards a nursing career, we were both pretty excited. Sure, there were sacrifices involved. He’d sacrifice his desire to work and have a steady income for a short time as well as give up most of his free time to studying. I’d give up some luxuries so that we could c...

Financial Finesse
Financial Finesse
Blog Post
  • I crave ice cream before bedtime. I know the high, empty calories are not good for me, but it’s still like a WWE fight in my brain every night – the good guy (don’t eat it) is on his back while the bad guy (go for it) has him in a figure 4 toe hold trying to convince him to surrender. The good guy is throwing counters at him – “this stuff is going to make you fat!” “you’re going to regret it tomor...

Financial Finesse
Financial Finesse
Blog Post
  • I woke up this morning realizing it was time to put snow tires back on my car. This does not thrill me. However, since we moved to NJ from Bermuda, I’ve learned the hard way that an ounce of prevention is worth a pound of cure when it comes to winter. Making smart decisions before the season arrives can save you lots of money: Prepare your home for cold weather Simple steps can help you save on he...

Financial Finesse
Financial Finesse
Blog Post
  • You’re likely to see lots of headlines in the coming weeks about the tax reform package that Congress will be hashing out, which many are calling the biggest tax overhaul in 30 years. Time will tell if that’s true and should a new tax law be passed, chances are it will look much different from what has been put forth so far. I personally tend not to worry too much about this stuff until it’s actua...

Financial Finesse
Financial Finesse
Blog Post
  • You’ve probably seen the headlines about the latest tax proposal working its way through Congress and perhaps you’ve heard that there are proposed changes to the way 401(k)s work. How can you tell the fake news from the stuff you should worry about? Here’s how I see it: What it is: The big thing going on is the discussion about limiting pre-tax contributions to qualified retirement plans (like 401...

Financial Finesse
Financial Finesse
Blog Post
  • Whether you’re a holiday purist who loathes the fact that Christmas displays start popping up even before Sweetest Day, or if you’re one of those who is excited that certain radio stations are already playing holiday tunes, there’s no escaping that the beginning of November pretty much means we’re off to the races for the holiday season. I personally LOVE this time of year — any excuse for merry-m...

Financial Finesse
Financial Finesse
Blog Post
  • “Mommy, was there electricity when you were born?”  This was the very serious question asked by my 8 year-old a few days ago. After explaining to her that yes, I was born after electricity and after dinosaurs became extinct, she seemed happy with the answer and skipped off. But her question had me thinking about retirement — something about having a 4 in front of your age plus your kid thinking yo...

Financial Finesse
Financial Finesse
Blog Post
  • It’s been a sad week in my neighborhood. One of our neighbors just down the street, a father and husband, was in a freak accident in his yard and was killed last Saturday. He was probably in his mid-40’s; much too young to die. I saw his widow a couple days ago, who is obviously still in shock, and her comment was, “he was supposed to be here,” and she is right. Asking the tough questions I am sur...

Financial Finesse
Financial Finesse
Blog Post
  • I have a confession: I am having a legitimate mid-life crisis. See, I recently turned 50 and as I approached this milestone age, I did the math and figured out that I basically only have 10 more summers to do the things I want to do while I still can. It’s not that I don’t think I’ll still be around at 60, but the reality is that I might not be able to physically do what I can today — my dad retir...

Financial Finesse
Financial Finesse
Blog Post
  • When hip hop artist Jay-Z released his most critically acclaimed album 4:44, it was praised not only for its transparency, but also because of its economic messages. It’s no secret that pop music does not have the best track record of promoting good financial decisions. And with a few exceptions, hip-hop is the worst offender. You can even find a song like “Money Ain’t a Thang” in Jay-Z’s old cata...

Financial Finesse
Financial Finesse
Blog Post
  • Scene: Pet store, just before Halloween. You walk in and the first thing you see is that all pet costumes are 40% off. Of course you stop to look, and ohmygosh, that princess costume is exactly what your Siamese cat needs because come on, she’s the most royal of them all. It wouldn’t be fair to just dress her up, so you also pick out a Jester costume for the kitten, which is actually kind of purrf...

Financial Finesse
Financial Finesse
Blog Post
  • With most people in or near their open enrollment period this time of year, it’s a great time to take a look at how the trends in health insurance may impact you and your family. Congress continues to duke it out over whether or not (and how) to overhaul the Affordable Care Act and there is understandably a lot of uncertainty around how any changes will affect coverage for people NOT covered at wo...

Financial Finesse
Financial Finesse
Blog Post
  • Ideally, never…or at least rarely. Plundering our retirement piggy banks can be tempting when a financial emergency arises or perhaps when we are looking for cash to finance a home purchase or to pay off some high interest credit cards. Although IRS rules do allow for retirement plan loans, the maximum loan size is either  (1) the greater of $10,000 or half of your vested 401(k) balance or (2) $50...

Financial Finesse
Financial Finesse
Blog Post
  • Have you ever cheated or lied to your spouse or significant other regarding a financial matter? Amazingly, 42% of adults who combine their finances with a partner admit to committing financial infidelity, according to a survey last year. The survey also found that almost 4 in 10 people had hidden cash, a purchase, a bill, or even a bank account from their significant other, while 16% reported more...

Financial Finesse
Financial Finesse
Blog Post
  • Along with a respite from work and the joys of celebration, the holidays can bring stress…and debt. One of the biggest culprits is the cost of travel. Fortunately, there are some things you can do to cut those travel bills down to size: Flights When to book: You can pay considerably different prices for the same flight and seat depending on when you buy your ticket and earlier isn’t always better....

Financial Finesse
Financial Finesse
Blog Post
  • My family and friends know that I am committed to checking experiences off of my Bucket List. And recently I completed another one – I moved to Florida. After living all my life in the cold and snowy Midwest, I wanted to wake up every morning to palm trees, warm breezes and water. I have the opportunity to work remotely and figured now was as good a time as any, especially now that I’m an empty-ne...

Financial Finesse
Financial Finesse
Blog Post
  • I was talking to a colleague of mine earlier this year about how awesome Health Savings Accounts are, and he threw out a little-known use of these delightful accounts that made the bogus alarm go off in my head. Even though he is a well-respected and tenured CERTIFIED FINANCIAL PLANNERTM practitioner who is on the CFP® Board, I didn’t actually believe him. I had to see if for myself, but it’s true...

Financial Finesse
Financial Finesse
Blog Post
  • October is Financial Planning Month! It may sound nerdy, but obviously I’m celebrating — every month is Financial Planning Month for me! In general, national day designations are meant to bring attention to specific topics, which is great. However, since there are 116 National Calendar days in October alone, financial planning can easily get lost in the shuffle. The other thing is, simply bringing...

Financial Finesse
Financial Finesse
Blog Post
  • In traditional financial planning circles, lending money to family is considered taboo. However, I must admit, I’ve bent the family finance rules a few times. Please don’t judge. After making some big mistakes (that you don’t have to make because you are wisely reading this blog), it’s actually worked out well for everyone. Here’s what happened. Lending to family the first time: 3 big mistakes A c...

Out-Market Your Competitors?

Get complete competitive insights on over 2.2 million companies to drive your marketing strategy.

Create Free Account Log in

By signing up, you agree to the Terms of Service and Privacy Policy.

Out-Market Your Competitors

Get complete competitive insights on over 2.2 million companies to drive your marketing strategy.

Create Free Account

Already a user?  Log in

By signing up, you agree to the Terms of Service and Privacy Policy.