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Ms Muse

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Name:
Financial Muse
Category:
General Finance
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Start Year:
2017

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Female
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Latest Blog Posts

This past week, I stumbled across an interesting new article about retirement vesting losses.  And it gave me some serious flashback to how I got close to losing $5,000.  I would really like for you not to run the same risk.  So let me explain… A few months ago, I switched jobs for a number of reasons.  For one, my new role pays more and it was a nice career ...
Posted: Nov 15 2017 @ 7:45 AM
The current administration has drawn the curtains on its much talked about Republican tax plan proposal.  The more than ambitious goal is to get the proposal passed before 2018. If that will be the case, and whether all proposed points will be passed, is to be seen.  Nevertheless, let’s take apart the proposal and see what’s in store for us should it get passed as is. The Republican Tax Plan Proposal Tax Brackets The ...
Posted: Nov 06 2017 @ 7:30 AM
Woohoo!  The IRS has announced that, after three “long” years, the 401(k) maximum contribution limit will increase by $500 in 2018.  You can read all about the announcement right here. The catchup contribution of $6,000 per year for folks ages 50 and up will (unfortunately) remain the same in 2018.  Why the government wouldn’t allow for additional savings is puzzling at best. Your 401(k) Maximum Contribution Limit Increases By $500. And, yes, that’s a ...
Posted: Oct 25 2017 @ 8:59 PM
This past month, Equifax caused one of the worst data breaches of all times.  It lasted from mid-May through July and affected 143 million people. To make matters worse, the public wasn’t informed of the breach until September.  Thanks, Equifax, one of three credit bureaus we have no choice but to work with. Instead of going off on yet another tantrum about their carelessness with crucial customer data, I much prefer to ...
Posted: Oct 18 2017 @ 8:27 PM
I have long been questioning the point of paying for the privilege to shop.  Handing over hard earned money for absolutely nothing in return except for being able to step inside seems a bit looney.  After all, enough stores let you in for free! Costco is a prime example.  For $60 a year you will receive nothing but the privilege of stepping into their store.  Although I have been a loyal ...
Posted: Oct 09 2017 @ 7:10 PM
What I dreaded at first, has become quite the quarterly challenge.  Yes, I am talking about tracking my expenses.  A few years ago, I would have never thought about or done anything about it.  But since tracking my expenses for all of 2016 and discovering several eye-opening expense drains, I am now a believer!  Deep down I hope that putting my expenses out there and documenting my progress will turn you into an ...
Posted: Oct 02 2017 @ 7:45 AM
Soon enough, it will be that time of the year again.  No, I am not talking about Christmas.  The jolly “old” man will be headed our way soon enough in a few months from now. Until then, most employers will enter into “open enrollment period”.  And us employees will have the change to either re-confirm or change our insurance plan and benefits. So this is the perfect time to talk about THE retirement ...
Posted: Sep 26 2017 @ 7:45 AM
When one has to choose between the Big Bang Theory, Billions or the latest (and amazing) season of Games of Thrones, cutting cable TV can seem unfathomable.  But – yes there is a but – what if cutting cable TV can save you hundreds, thousands, or even more? The Cost Gain Of Cutting Cable TV The average monthly cost of cable TV is $70.  If that seems low to you, you are correct! ...
Posted: Sep 15 2017 @ 7:45 AM
If you have followed the news over the past few days, you are probably as worried as I am.  Equifax suffered a credit data breach starting mid-May through July 2017.  143 million people are likely affected and the news didn’t break until now. Message from Rick Smith, Chairman and CEO of Equifax Cyber attacks are scary!  There is no need to beat around the bush.  Having important information such as your name, ...
Posted: Sep 11 2017 @ 7:45 AM
How long will your retirement savings last?  A question easy to lose sight of.  After all, we are busy climbing the Mount Everest of retirement by earning and saving as much as we can.  All to reach the FI/RE summit. Asking ourselves how long our savings will last is just as important as FI/REing in the first place.  What is the point of it all if we run out of cash ...
Posted: Sep 08 2017 @ 7:45 AM

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