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Teresa Dentino
Woodside, CA
Combining 30-plus years of industry expertise with a keen understanding of women's financial needs and behavior, Teresa Dentino offers strategic training solutions that bridge the gap between women and the financial sector. A nationally recognized conference speaker, Dentino consults with individual clients and financial institutions.
Recent Activity
Last week a major milestone for women was reached as a leading financial services firm not only recognized women as the most powerful economic entity, but called for a new approach for more effective selling and marketing strategies to women clients. Legitimizing for the first time the distinct behaviors, attitudes, and expectations of women clients, the call was made to peer financial firms to take note and adapt ... or perish. Continue reading
Posted Apr 12, 2012 at the411
"Getting Down with the Numbers - Women and Finance Do Go Together" In my monthly byline column for Women 2.0, I recently put out the call that female entrepreneurs can up their game by adding more financial literacy to their overall savvy. My column provides tactical insights on how to do that. Continue reading
Posted Mar 7, 2012 at the411
The New Year often means a resolve to start new financial habits. But what happens to derail our progress? Is willpower alone enough to create change? Behavioral science now tells us that other external factors play a big role. Here are a few tactics to consider for improving your chances of success. Continue reading
Posted Jan 23, 2012 at the411
The Good:The Age of Women Is Now Fully Recognized. Some 40 years after Gloria Steinem and other feministas did those unthinkable things to bring on the revolution, they are noticing. "They" being everyone from Madison Avenue marketers to Wall Street ... and even more recently from the heights of the president of the World Bank. The demographics - and actuarial tables - are finally indisputable. Meanwhile women are rockin' it, and "They" know we're going to bring it! The big questions are: Do we know? ... Are we prepared? ... and, as importantly ... Have we stepped up to full ownership? Continue reading
Posted Dec 11, 2011 at the411
Neuroscience Says Women Make Better Investors, But Why? "Women are better wired than men to avoid emotionally driven investing mistakes," says the latest from neuroscience research. Women's more highly developed emotional processing capabilities make it possible for them to filter out "noise: that triggers fear and greed impulses, and as a result, they make better investors. Continue reading
Posted Dec 5, 2011 at the411
It’s a tough economic environment and that means shrinking revenues for all manner of financial advisers as well as the rest of us. Searching for new clients is increasingly difficult. Women, especially in divorce, are a highly targeted group. Learn what you can do to protect yourself from self-proclaimed women's specialists. Continue reading
Posted Sep 8, 2011 at the411
While we may feel that we are being penalized by today's low rates, remember that high rates mean high inflation ... something we all want to avoid. Understanding "why" and the impact on your bottom line, can make a big difference in how you view interest rates and use C.D.'s in the future. Continue reading
Posted Jul 28, 2011 at the411
With tax returns neatly filed and over with until next year, it seems like the perfect time to talk about what your signature means, both on your tax return and other documents as well. A signature by definition binds the individual signing the document [i.e. contract, agreement, form, etc.] by the provisions contained in the document, which means simply: You are legally obligated to whatever is contained within them. And in circumstances where you are married and signing as one of the parties to the contract—or tax return—you share in the legal responsibility, as well as in any legal consequences, that may arise. Continue reading
Posted Apr 28, 2011 at the411
Do you remember what you were doing 2 years ago today? For most people there was a lot of hand–wringing and much worse as the stock market was cratering again to new lows ... What lessons have we learned? Continue reading
Posted Mar 9, 2011 at the411
The holidays are around the corner, the time of year when things get a little crazy and, unless you’re careful, all that hard work you’ve done on cutting back spending can go out the window. But don’t worry! With a well-laid plan for spending these holidays, you can save yourself some moolah—and some anxiety! It won’t take more than 15 minutes here or there to come up with your holiday spending plan. Continue reading
Posted Dec 1, 2010 at the411
We have all read somewhere what percentage of your income should be spent on rent, food, shopping, etc. but there is a big problem with this. It doesn't tell you anything! Learn here what you really need to know about how much to spend rather than what you spend in comparison of your next door neighbor. Continue reading
Posted Jul 7, 2010 at the411
As of August 22, 2010, the Federal Reserve Board approved many new rules that directly affect ALL credit card users. Read this post to find out what these new rules mean to you and how they will change your relationship with your credit card company. Continue reading
Posted Jun 21, 2010 at the411
Investment proposals often seem like they are simply too good to be true, and unfortunately they usually are. We created five of the most common investment sales tactics purposely told to trick you into making a shaky investment. Here are FIVE quick and easy phrases that everyone needs to beware of. Continue reading
Posted Jun 15, 2010 at the411
Teresa Dentino is now following VizuBlogger
May 14, 2010
New graduates are in a time of transition, and this is not just limited to careers and housing. Finances need a post-college adjustment, too and we are here to help. Here are five powerful and practical tips for getting started on your way towards financial empowerment. Continue reading
Posted May 14, 2010 at the411
As President Obama declares April National Financial Literacy Month calling upon Americans to recommit "to teaching ourselves and our children about the basics of financial education", we take time out to re-visit the financial disaster of last year and illustrate some of the most important financial lessons learned. Continue reading
Posted Apr 2, 2010 at the411
As the economy inches its way back to health, and stock portfolios regain some of their lost luster, a new trend is surfacing among divorcing couples. Bay Area couples are seeking advice from Certified Divorce Financial Analysts in conjunction with a mediated divorce for more cost savings, reduced tensions and shorter process time. They are making the financial review and analysis a first stop, prior to meeting with their attorneys or mediators. Continue reading
Posted Mar 17, 2010 at the411
Teresa Dentino is now following The Typepad Team
Mar 15, 2010
Now that the economy seems to be facing upwards for the first time in years, how does this affect you and your personal finances? This article discusses the importance of the 401K and financial education to ensure that your financial future is set. Continue reading
Posted Feb 18, 2010 at the411
What is the only plastic card that you should have in your wallet? Here's a hint: it's not a credit card! Teresa Dentino of The Financial 411 describes why owning a public libary card is crucial to financial success and empowerment. Continue reading
Posted Feb 9, 2010 at the411
Still looking for ways to reduce your expenses or find some extra cash to add to your savings? Here's another quick exercise that will put things in perspective. 1. Making a distinction between "Have-to-Have's" vs "Like-to-Have's" Start by thinking of and viewing your typical monthly expenses into these two categories. It's important to see how much you need for the essentials like food and rent/mortgage as distinguished from your non-essential expenses. (Continued) Continue reading
Posted Jan 31, 2010 at the411
Whenever I'm interviewed, I usually mention one of my cardinal rules on the importance of teaching your kids about money. Invariably the next question I hear is: "At what age should you begin?" To me it's no different than asking at what age should we begin teaching our kids about other values we want to instill in them. When is it too early to learn about honesty, respect, manners, ethics, etc? There's no hard and fast rule, other than: if you don't actively teach them, they will simply mimic your behaviors ... good or bad. With money, the sooner you begin the better, and especially if your money habits aren't ones that you want your kids to model after! Continue reading
Posted Jan 25, 2010 at the411
If you've been following my 10-Minute Plastic Rehab Plan, here's a picture that may incentivize you to stay with the plan. I think it's our human nature to trivialize saving $3.00 here and $5.00 there. After all how far does $3.00 go these days anyway? It can't matter much in the grand scheme of things ... Right? But this chart tells us a different story. It shows the results of *investing that amount for 5, 10, 15, or even 20 years. It's important to be able to see an end result to know that it really can make a difference in order to counter that too-commonly held belief: "Oh, what's the use? It's not really enough to matter." Continue reading
Posted Jan 19, 2010 at the411
Think you can't possibly squeeze another dollar out of your budget? Try the 10-Minute Plastic Rehab Plan and you'll be on the road to financial recovery. Continue reading
Posted Jan 15, 2010 at the411
One of my favorite ways to tackle two issues at once! Here are some reasons why going all GREEN - as in an all-cash budget (no credit) AND as in conserving our resources can put extra money in your pocket. · Save money while conserving our natural resources. Without any extra expense from buying new energy saving appliances, there are many ways to lower your bill significantly. Among them you’ll find: Continue reading
Posted Jan 14, 2010 at the411