CFP Erica Cummings from  The Harmony Financial Wellness Group from RBC Wealth Management joins the radio morning show that I co-host "Spezzano and Sandy" on 989 The Buzz answering your questions:How can I make sure my direct deposit is on file?Will there be another round of stimulus checks?Will frontline essentail workers receive additional compensation?Ideas to make some extra money while staying safe at homeIf you have a question-Sandy@rochesterbuzz.comSee omnystudio.com/policies/listener for privacy information.

Every Wednesday morning CBS News Business Analyst Jill Schlesinger joins the radio morning show that I co host "Spezzano and Sandy" on 989 The Buzz. We take this time every week to go over ahd explain what policy makers are saying and how the pandemic is directly impacting you and your wallet.Today, Jill touches on the small business relief and her economic outlook, how long she thinks this will last.See omnystudio.com/policies/listener for privacy information.

You probably have even more financial questions than you did before the Coronavirus pandemic hit, and that is why every Monday, Wednesday and Friday we're going to post a new episode. Our goal is to answers your questions and make sure you stay on top of what you need to know financially.Today CFP Erica Cummings from The Harmony Financial Wellness Group at RBC Wealth Management joins the conversationSee omnystudio.com/policies/listener for privacy information.

If You NEED the Stimulus Check When Can You Expect It with Erica CummingsIt’s gut wrenching to see the numbers. As of right now, more than 10million people have applied for unemployment.Some economists predict that number to climb to 20million or more.Needless to say, there are a lot of families anxiously awaiting that relief check that is part of the $2trillion stimulus package from the Federal Government.This morning on the radio show "Spezzabo and Sandy" on 989 the Buzz, CFP Erica Cummings from The Harmoney Financial Wellness Group at RBC Wealth Management gave us the breakdown of what you need to know.Email your questions:Sandy@rochesterbuzz.comErica at  https://us.rbcwealthmanagement.com/harmonyfinancialwellnessgroup/wealth-management-approachSee omnystudio.com/policies/listener for privacy information.

Every day there's a new company added to the list, that say they have no choice but to either furlough or lay off employees.We want to make sure you have a good understanding of what the difference is just in case you end up being one of those employees.CBS News Business Analystr Jill Schlesinger is on the radio morning show that I cohost "Spezzano and Sandy" on 989 The Buzz every Wednesday.This week she explains what it means to be furloughed vs laid offSee omnystudio.com/policies/listener for privacy information.

3-30 Covid19 Financial Update with Erica CummingsWhat is the best strategy to financially cope with the Covid 19 pandemic? CFP Erica Cummings from the Harmony Financial Wellness Group at RBC Wealth Management answers questions.If you have a question reach out to Sandy at Sandy@rochesterbuzz.comErica Cummings: https://us.rbcwealthmanagement.com/harmonyfinancialwellnessgroup/See omnystudio.com/policies/listener for privacy information.

3-27 Covid19 Financial Update with Erica CummingsWe've lined up our good friend CFP Erica Cummings from The Harmony Financial Wellness Group at RBC Wealth Management to come on the radio morning show that I cohost "Spezzano and Sandy" every Monday and Friday answering listener's questions. I'll post the conversation here as well for all of you, because I'm sure you have the similar concerns.These are scary times for a lot of people, BUT we are going to hold your hand and walk you through this.If you need any advice or have any questions reach out sandy@rochesterbuzz.comErica Cummings https://us.rbcwealthmanagement.com/harmonyfinancialwellnessgroup/See omnystudio.com/policies/listener for privacy information.

How will the $2 trillion Stimulus Package help you?CBS News Business Analyst Jill Schlesinger breaks it down for us plus she answers a questions we've been getting a lot lately "Should I pull out my cash? What's going to happen to the banks?" Follow Jill: https://www.jillonmoney.com/See omnystudio.com/policies/listener for privacy information.

Covid-19 Financial Update with Erica CummingsWe understand a lot of you are feeling a lot of financial uncertainty and pressure right now.  We've lined up CFP Erica Cummings from The Harmony Financial Wellness Group at RBC Wealth Management to hold our hands and answer our questions.Erica will be on with us every Monday and Friday so if you have a question feel free to reach out to us. Sandy@rochesterbuzz.com https://us.rbcwealthmanagement.com/harmonyfinancialwellnessgroup/See omnystudio.com/policies/listener for privacy information.

Coronavirus Has Taught Us the Importance of Saving with Jeff TyburskiFull disclosure I recorded this interview with Jeff a few weeks back, before the intensity of the Coronavirus hit us. With the uncertainty that surrounds us now, the unsettling question that's keeping us up at night "will my company and job be able to survive this economic hit?" This conversation is more important now than ever.The biggest lesson we can all learn from this is having a strong grasp on saving money will help you be able to take on whatever lies ahead.Jeff's mission and passion is to educate the younger generation (and their parents) about the basic foundation of saving money.Jeff is offering the first 25 listeners who buy his book free audio lessons. Learn more here: https://www.yourfinancialsherpa.com/ Cheers to being a financially confident woman!See omnystudio.com/policies/listener for privacy information.

Using Tax Prep Software vs Hiring a Tax Professional with Brian MartucciTax season is here, the Coronavirus can’t cancel that (unfortunately)If you have yet to prepare your taxes and are curious about the pros and cons of using tax prep software vs hiring a professional Brian Martucci the finance editor for MoneyCrashers.com has done the extensive research for you.Also, for those of you who have an interest in freelance writing, Brian has great advice and tips on how to get your name out there and get gigs.To read Brian’s full article: https://www.moneycrashers.com/tax-prep-software-vs-hiring-professionalCheers to being financially confident women!See omnystudio.com/policies/listener for privacy information.

Today's Uncertainty of the Market Means What for You?- with Jill SchlesingerA lot of you have reached out asking is now is the time to panic or make any moves to your investments. CBS News Business Analyst Jill Schlesinger was on the radio morning show that I cohost "Spezzano and Sandy" talking about what you should be doing with your money.I hope this will put your mind at ease during such a crazy time.   See omnystudio.com/policies/listener for privacy information.

The 2nd step in Overcoming Underearning and Thriving in the Workplace with CFP Erica CummingsThe first Friday of the month CFP, Senior Vice President, Financial Advisor at RBC Wealth Management Erica Cummings joins the conversation.Last year we focused on the practical and basic understanding of finances.  What you need to know and do to get a better handle on your financial goals.This year, Erica will direct the conversation more around how to excel in your financial life.  "Overcome Underearning and Thrive in the Workplace"Today, Step #2 out of the 10 steps Erica has put together for us.Construct Your Career AgendaWhat does the agenda look like?Don’t spend a lot of time comparing yourselves to othersDon’t get caught up in the “they” syndrome Be FlexibleApril 30th is the date of the next workshop. Free and open to all women "The 3 Keys to Navigating Change and Landing on Your Feet"Connect with Erica: https://us.rbcwealthmanagement.com/harmonyfinancialwellnessgroup/Cheers to being a financially confident woman! See omnystudio.com/policies/listener for privacy information.

Creating million-dollar business ideas with Gayle JagelIf any of you are big fans of the show "Shark Tank" you will definitely enjoy this conversation.Gayle Jagel's idea to create The Young Entrepreneurs Academy started out as a way to get "kids excited about learning and what they could accomplish academically.” It has grown from a program offered at the University of Rochester to now an opportunity for youth in168 communities in the US and 11 locations in India and 3 locations in Shanghai.So what does it take to create, develop and launch a million-dollar business?Students who are accepted into the program walk through each step of the process including pitching their ideas to a panel of judges.  Like "Shark Tank," their pitch could get them money to help grow their business.I know what you're thinking, why wasn't this around when I was a kid? Well, we might not be able to get into the program at our age, but Gayle is here to offer up her expertise and teach you how to cultivate the perfect business. And remember, no matter how old you are, you're never to old to start a business.Gayle is a firehouse of ideas turned on full blast. Get ready to take notes!I hope our conversation today will inspire not only you but your kids too!  I definitely will be sharing this episode with my two daughters.Cheers to being a financially confident woman! See omnystudio.com/policies/listener for privacy information.

Giving you confidence to start investing with Elaine DelMonteMany of you know of Elaine DelMonte. You’re familiar with her name and voice from the Spa at the Del Monte commercials. Yes, she is the wife of the DelMonte Hotel Group’s CEO John DelMonte.But Elaine is also a financially confident woman! She spent a good part of her career working in the financial world as a financial advisor. The story of HOW she got into the business is a great lesson for all of us.Elaine is an influential woman who is passionate about motivating other women to be engaged and take control of their own finances.Today,-She explains investing in a simple way-Financial tip after a divorce-The power outfit-And, how to respond when your boss throws out a number of what you’re worthCheers to being a financially confident woman!See omnystudio.com/policies/listener for privacy information.

Thriving in the Workplace and How to Overcome Underearning- with Erica CummingsYes, we've all heard the news stories and we've seen the statistic that show women still earn less than their male counterparts.The culture is changing, more and more companies are consciously attempting to level the playing field. Hire a more diverse leadership. But it's going to take time, it is going to be a slow gradual shift.Don't wait for your company/industry to catch up.  You are a woman who works hard, you are talented YOU need to be proactive and make the first move.  If you strive to be higher up on the chain of command or you desire to earn more respect and more money here's what you need to do. Erica has put together10 different ways we can "show up" and better position ourselves to succeed at workEach month we'll focus on one step at a time. Starting with "Be your authentic self"You can reach out to Erica https://us.rbcwealthmanagement.com/harmonyfinancialwellnessgroup/contactCheers to being a financially confident woman!See omnystudio.com/policies/listener for privacy information.

When was the last time you looked over your Estate Plan? Wait, you don't have one? It's ok you're definitely not alone.  I bet a lot of people listening to this episode don't have one. Many of you may have started the process and just never finished. Thoroughly planning what is going to happen when you die, yes can be a bit of a downer but it so important for you take the time to do it.Having a well thought out Estate Plan will give you peace of mind that everyone you love will be taken care of.Elder law attorney From Harris Beach Lisa Powers joins the conversation today.Breaking down the ways you can start the process and how much of an investment can you expect it to be.Cheers to being a financially confident woman!If you have any questions about Estate planning you can reach out to Lisa Powers: https://www.harrisbeach.com/bio/powers-lisa-m/If you have a topic you want us to cover on the show just let me know sandywaters989@gmail.comQuick favor, subscribe and leave us a review if you're listening on a podcast app.That' would be awesome. (it makes me look good to the big bosses here)See omnystudio.com/policies/listener for privacy information.

The changes to the SECURE Act will Jill Schlesinger This week I thought I'd share with you a conversation that we had a few weeks ago on the radio morning show I cohost "Spezzano and Sandy" 98.9 The Buzz.  It was a conversation that a lot of our listeners took interest in. CBS News Business Analyst Jill Schlesinger was on the air with us talking about the changes to the SECURE Act.  Whether or not any of these changes directly impact you, it's always good to stay on top of what's going on with your retirement plan.  Here's where you can follow Jill, read up on her latest blog or pick up her book "Dumb things Smart People Do With Their Money" https://www.jillonmoney.com/See omnystudio.com/policies/listener for privacy information.

The Biggest Surprise in Retirement with Steve HausmannFor many of you, if not all of you, retirement is a goal you are working towards. Some people have an age in mind of when they want to retire. Others, are all about growing their money to a certain amount where they feel comfortable walking away from their day job.We all have a picture in our minds of what that day will be like. Is it what we imagine? Freedom. Minimal stress. More time.Today, we chat with legendary broadcaster, a close friend of mine, Steve Hausmann who just retired after 51 years in the business.Steve was one of the very first people I worked with in radio when I first started at age 18. A very fun guy. A guy you never thought would retire.  He candidly talks with us about how he decided now was the right time. The biggest surprise in retirement. His biggest regret and of course with age comes wisdom, he'll give his best piece of advice for anyone who has a goal of retiring someday. Reach out to Steve or learn more about his new business (I told you he's a guy who will never fully retire) Haus Calls Productions  https://www.facebook.com/HausCallProductions/Cheers to being a financially confident woman! See omnystudio.com/policies/listener for privacy information.

The 3 Ps Every Woman Should Have in Her Wardrobe with Alyssa Whitfield Founder and CEO of Dress for Success RochesterThe power of having confidence goes a long way.Yes, money and confidence are interchangeable.  The more confidence you have, many will argue, the more money you'll make.I'm sure you've heard it before, most people get 90% through a project and then just quit. That final 10% to create something extraordinary is where you need to lean on your confidence. Dig deep and believe that you got what it takes to go that last and final mile.But in life, things happen and sometimes we lose our confidence along the way.  Whether it's a job loss, divorce or other confidence crushing moment.Alyssa Whitfield and her team at Dress for Success Rochester are dedicated to building women back up and getting them prepared and ready for their career step.Alyssa is just fantastic! She is a woman who energizes and owns any room she walks into. How does she do it?She will teach us her secrets today.-How to feel confident in an intimidating setting ( Yes, that includes the boss's office asking for a job or pay increase)-And of course the founder of Dress for Success can't be on the show without telling us they key pieces we all need to have in our closet.  Alyssa calls it the "3 Ps" every woman should have in her wardrobe.You can reach out to Alyssa Whitfield and learn more about Dress for Success here: https://rochester.dressforsuccess.org/Cheers to being financially confident women! See omnystudio.com/policies/listener for privacy information.

The 3 Ps Every Woman Should Have in Her Wardrobe with Alyssa Whitfield Founder and CEO of Dress for Success RochesterThe power of having confidence goes a long way.Yes, money and confidence are interchangeable.  The more confidence you have, many will argue, the more money you'll make.I'm sure you've heard it before, most people get 90% through a project and then just quit. That final 10% to create something extraordinary is where you need to lean on your confidence. Dig deep and believe that you got what it takes to go that last and final mile.But in life, things happen and sometimes we lose our confidence along the way.  Whether it's a job loss, divorce or other confidence crushing moment.Alyssa Whitfield and her team at Dress for Success Rochester are dedicated to building women back up and getting them prepared and ready for their career step.Alyssa is just fantastic! She is a woman who energizes and owns any room she walks into. How does she do it?She will teach us her secrets today.-How to feel confident in an intimidating setting ( Yes, that includes the boss's office asking for a job or pay increase)-And of course the founder of Dress for Success can't be on the show without telling us they key pieces we all need to have in our closet.  Alyssa calls it the "3 Ps" every woman should have in her wardrobe.You can reach out to Alyssa Whitfield and learn more about Dress for Success here: https://rochester.dressforsuccess.org/Cheers to being financially confident women!See omnystudio.com/policies/listener for privacy information.

The Fine Print of Investing with CFP Erica CummingsIt's 2020You may have said it to yourself that THIS year is THE year you are going to take control of your finances.Great! Yes, at first it might feel a bit daunting and overwhelming, but no worries we've designed these podcast episodes to make it easy to understand and follow.The first Friday of every month CFP, VP at Morgan Stanley Erica Cummings will be  our guest.  Erica has been in the financial business for well over a decade. Her passion is to educate people, especially women about finances.Lack of financial understanding leaves you vulnerable to the people who are pitching a product or selling you their "perfect financial strategy." Sometimes it is a good product or strategy. But how do you know for sure? When is it too good to be true?This month, Erica focuses on the fine print of investing. From basic savings accounts to CDs to investing in the market here's the expectation.Cheers to being financially confident women!To learn more about Erica and her free workshops: https://advisor.morganstanley.com/erica.cummingsSee omnystudio.com/policies/listener for privacy information.

88 years of Financial Wisdom with Pat Ward-BakerThe “Wall Street Wordsmith,” stockbroker, named 1 of the 10 most stylish Rochesterians, PhD in gerontology.88 years young Pat Ward-Baker says she “Loves to talk about the field of how to make money.”Ever since she was a little girl, she took interest in her father’s passion for investing. Which later lead her to be one of the first female institutional sales professionals in the country. Selling investments to banks and other big companies.Today, we are going to soak up as much of Pat’s wisdom as we can. Including how she stays young.Enjoy the conversation.Cheers to being a financially confident woman!Learn more about Pat: http://www.patwardbaker.com/about-pat/See omnystudio.com/policies/listener for privacy information.

It's the first Friday of the month and if you're a frequent listener of the podcast you know that means CFP, VP at Morgan Stanley Erica Cummings joins the conversation again.Erica has laid out the monthly plan for success. For all of you who have been diligently following along, we hope you're in a better place with your finances. Have a better understanding of what's going on and that you are more proactive with your future goals.As we finish up the year, this month Erica wants to make sure you don't fall prey to the "The 4 Biggest Mistakes Investors Make."  These mistakes can possibly set you back and slow down your financial momentum. These are mistakes that even the most savvy investor is tempted to make.Cheers to being financially confident women!To reach out to Erica Cummings: https://advisor.morganstanley.com/erica.cummingsSee omnystudio.com/policies/listener for privacy information.

A little extra gift for you this week.As many of you know I also host a radio morning show "Spezzano and Sandy" on 98.9 The Buzz. CBS News Business Analyst Jill Schlesinger is on the show with us every week. This week Jill brought up a very important topic that I felt all of you should be aware of too. There has been an uptick in Charity Scams lately. Here are the scams to watch out forSee omnystudio.com/policies/listener for privacy information.