Financial Wellness @ Work

Is Bigger Better?

JLo and I have something in common regarding our rear ends – our recent car accidents, that is. We both walked away unhurt and with minimal damage to our SUVs after being rear-ended at a stoplight. Not so lucky was the  young driver of the Honda Civic who hit me from behind since his entire front end was crushed like an accordion.  JLo’s accident was due to a drunk driver so he is probably even more unlucky. Read more

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Should You Have an Anti-Budget?

A friend of mine recently sent me this blog post called “How the Anti-Budget Can Save Your Wallet.” The basic premise is that a traditional budget isn’t realistic for most people because they just don’t stick to it and it isn’t even necessary to have one. Instead, it suggests simply setting aside your savings first (at least 20% of your income) and just spending the rest without having to categorize each of your expenses. Read more

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Repair or Replace?

After being towed to the auto repair shop, my stepson got the bad news last week that his beloved 2005 sporty Monte Carlo needs a new transmission.  He can pay $2,600 for a new one or $1,800 for a rebuilt transmission, but either way, the cost of the repair is almost what the car is worth, according to Kelly Blue Book.  No matter how much he loves his car, he’s come to the realization that it doesn’t make sense to dump any more money into a clunker car with over 160,000 miles.  He’s seen a lot of good times in the Monte Carlo, but now as a new dad of a toddler, having a two-door sports car has become a drag.  Read more

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iMistake?

I read this article about Apple selling 10 Million iPhone 6′s on the first week of sales and it made me think about the number of people I see in coaching sessions who have the newest version of cool technology.  Having the latest iPhone or Galaxy or iPad or whatever the technology might be is seen as being on the leading edge.  There’s a bit of a “cool factor” involved.   Read more

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Teetotal Up Your Savings By Dropping Your Drinking

With football season in full swing, my husband stocks up on his favorite Yuengling beer, the unofficial state drink in PA. A case costs around $18 and goes pretty quick with his two sons over to watch the game on Sundays. With 17 weeks in the season, that’s over $300 – which is a bit under what the average U.S. household spent on wine, beer, and other alcoholic beverages in 2013, according to the Bureau of Labor Statistics, as reported in a recent Reuters article.  That amounts to about 1% of the typical household expenditures but keep in mind that the average includes non-drinkers too so that means some households are spending WAY more than that already hefty amount on alcohol. Read more

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Could a Sonic Boom Crack a Windshield?

I had to make a call to my insurance agent today to report a claim on my broken front windshield.  My explanation for the needed repair sounded almost as absurd as “the dog ate my homework,” but the only direct link I could make to my windshield cracking was that a sonic boom broke the glass. I had gone to watch the Blue Angels Navy flight squadron fly over the Baltimore Inner Harbor as part of this month’s Star Spangled Spectacular, which is celebrating the 200th birthday of the writing of the Star Spangled Banner lyrics by Francis Scott Key. The Navy jets are VERY loud and I had parked my car at Martin Airport to see the take-off and landing of the squadron.   Read more

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Power Tools Aren’t Just for Professionals

Are you an HGTV fan like me? If so, you’ll probably be watching the premier tonight of The Jennie Garth Project, where the recently divorced 90210 star takes on a rehab of a 1970s ranch home in Hollywood Hills.  Based on the previews, she’s not afraid to pick up a power tool to get the job done. Read more

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The New Cell Phone Plan That’s Allset to Save You Money

A couple of years ago, I wrote about prepaid cell phone plans and how they can save you money. I ended up switching from the LG Optimus V on Virgin Mobile to the Samsung Galaxy Nexus on Ting. However, I’ve recently had some problems with my phone losing data connection and battery power so I decided to upgrade again. That’s when I discovered Verizon’s new “Allset” prepaid plan. Here’s why I think it offers the best deal in cell phone plans right now: Read more

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Four Steps to Car Buying

This year my daughter is turning 16,and you know what that means. Buying and selling a vehicle can be one of the most intimidating financial transactions you will ever experience, but there is a plethora of information and advice out there to help even the most nervous consumer get through the process. Here are some simple steps you can take to acquire the car of your dreams: Read more

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Get a C.L.U.E.

Want a clue on how your auto and homeowners insurance is determined? Any prior claims you have filed in the past 7 years for collision or comprehensive damage on your car or theft, fire, or storm damage to your home are reported to C.L.U.E. – which is the Comprehensive Loss Underwriting Exchange. Too many claims on your C.L.U.E. report could even lead to being dropped by your insurance company. Read more

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