DSM Financial

DSM Financial DSM Financial provides financial concepts and money management strategies to consumers and businesses

Understanding financial concepts and money management can be intimidating, but it doesn’t need to be. At DSM Financial, we provide financial strategies that are easy to understand, and more importantly, easy to execute so you can begin securing your financial future today. We look forward to helping you craft a financial plan that is as unique as you are. The professionals at DSM Financial provide

financial services for families and businesses, designing "unbiased solutions" for them to reach their long and short-term objectives and goals.

02/11/2026

A Need to Know MAT
02-09-2026 Edition

1. PAY TO PLAY - The highest cost of a 30-second Super Bowl LX ad this year was $10 million, a new all-time record. The average price of a 30-second ad is $8 million—about the same as last year. Nearly 40% of advertisers for this year’s game did not advertise last year. Among the newbies is Novo Nordisk, the maker of Ozempic, as well as Grubhub. In this era of media fragmentation, the Super Bowl remains one of a dwindling number of live TV events with a reliably huge, captive audience. [source: bloomberg.com]

2. PARKING LOT - There is currently $7.7 Trillion on the sidelines in money markets and cash that could be moved into stocks. $7.7 Trillion is one-tenth of the size of the entire U.S. stock market. This extended run of money market popularity has been fueled in part by their relatively higher yields over the past few years. Investors could see this cash hoard expand even more in the coming months as new tax incentives, such as a higher standard deduction and higher state and local taxes (SALT) deduction caps, could add even more money to consumers’ wallets. [source: horizoninvestments.com]

3. GILDED GETAWAYS - Demand for luxury cruise experiences is surging as ultra-wealthy travelers pay for unprecedented opulence at sea. Four Seasons Yachts and Regent Seven Seas Cruises operate the world’s most luxurious fleets of large capacity luxury cruise ships with many new ships in development. Four Seasons Yachts penthouse suites sell for $50,000 a night, featuring amenities like private gyms and hot tubs, panoramic floor-to-ceiling windows, gilded spiral staircases, plus bespoke services that blur the line between hotel and yacht. Regent Seven Seas Cruises forthcoming ship, due to launch in December, will feature the largest all-inclusive, ultraluxe cruise ship suite to ever exist—9,000 square feet—which includes a private massage room, an ocean-facing bar, and a butler, and has already been fully booked for six of its first 13 voyages. The boom reflects a broader expansion of high-end cruising as operators add new ships and amenities to cater to a growing affluent market. [source: wsj.com]

4. THE CHEAP SEATS - New Hampshire state legislators are paid a mere $100 per year since voters etched it into the state constitution in 1889. Granite State lawmakers are the lowest paid in the U.S., with their counterparts in most states having salaries of around $50,000. Many past bids to boost pay for NH lawmakers by amending the constitution have failed. Now, there is a new bipartisan push to delete the pay language from the state’s foundational document. [source: wsj.com]

5. BUYING BOYCOTT - Fueled by popularity on social media, many more consumers joined the new trend of pledging to eliminate purchasing anything that is nonessential for the whole month of January. Thrifty challenges have gained in popularity in general with Google searches for “No Buy January” hitting a five-year high in December, driven largely by Gen Z and millennials. [source: wsj.com]

6. PASS THE SUNBLOCK - The residents of Utqiagvik, Alaska—the northernmost town in North America, located about 300 miles above the Arctic Circle—just saw the sun for the first time after more than two months of darkness due to the “polar night,” a seasonal phenomenon created by the tilt of the Earth’s axis where the sun does not appear above the horizon for 65 days each year. For Utqiagvik’s roughly 5,000 residents, the return of daylight following weeks of sub-zero temperatures and total darkness inspires celebrations, with locals marking the sun’s return through traditional dances, songs, and rituals—including blaring the Beatles song “Here Comes the Sun.” [source: npr.com]

7. CLEAN SWEEP - The annual Best Places to Work winners for 2026 has been released by Glassdoor, which ranks U.S. and U.K. workplaces based on feedback straight from the source—anonymous employee reviews submitted to the platform. The No. 1 spot in the U.S. went to Crew Carwash, a family-owned car wash with locations throughout Indiana and Minnesota, which earned standout reviews for its supportive leadership, career growth opportunities, and team culture. The chain dethroned Bain & Company, a consulting firm that claimed the top spot for the seventh time in 2025 (this year, it ranked No. 8). To determine the rankings, Glassdoor looks at key factors like culture and values, career opportunities, compensation, leadership, work-life balance, and diversity. Rounding out the top five are fast food chain In-N-Out Burger, chip maker Nvidia, tax services provider Ryan, and realtor Keller Williams. [source: glassdoor.com]

- Reproduction of Any Kind Prohibited without Express Permission -
Written and Copyrighted © 2026 Mark A. Timmick. All rights reserved. Email [email protected] for subscription information. Although content is developed or drawn from sources believed to be reliable, the information has not been verified as accurate and could contain errors. It is not possible to invest directly in an index. Past performance is not indicative of future results.

01/14/2026

Need to Know.
A Need to Know MAT
01-12-2026 Edition

1. BAGGING RIGHTS - Trader Joe’s tote bags, which sell for $2.99 in the U.S., have joined the ranks of international status items like shopping bags from London’s Daunt Books and Marks & Spencer groceries, Paris’s Shakespeare and Company bookstore, as well as Harvard, Yale, and Oxford University sweatshirts. Trader Joe’s tote bags were recently spotted on re-sale platforms like Depop and Korea’s Karrot market for thousands of dollars. Status-hungry collectors value geographic exclusivity (can’t be bought online easily), limited availability (imparts scarcity in a world of easy, accessible overconsumption), low original price (signals insider access, not wealth), and cultural literacy (you have to know why it matters). [source: wsj.com]

2. BUY YOUR WAY IN - New York City just passed the 1-year anniversary of charging drivers $9 to enter Manhattan below 60th Street during peak hours, and the data shows that congestion pricing is doing what it intended. There were 27 million fewer cars entering the congestion zone compared to the previous year, ridership rose across subways, buses, and railroad lines, and the number of people seriously injured in crashes is down by 8.6% in the zone compared to down by 1.6% in the rest of the city. The toll raised $550 million in new revenue, which will be allocated to public transit infrastructure improvements, and polling shows the majority of New Yorkers view the policy favorably overall. [source: nytimes.com]

3. NICKEL FOR YOUR THOUGHTS - The U.S. government, through the U.S. Mint, has stopped producing new pennies for general circulation, with the last coins struck at the Philadelphia Mint on November 12, 2025, ending more than 230 years of production. The decision was based on the determination that pennies are no longer widely needed and the fact that production costs far exceed their value. In 2024, the Mint reported it cost about $3.69 to produce and distribute a 1-cent coin, including materials, manufacturing, staffing and overhead. The government says it will save tens of millions of dollars annually by no longer producing pennies. Existing pennies remain legal tender. [source: usmint.com]

4. USED AND ABUSED - The average life expectancy in circulation of a $1 bill is 7.2 years, while $5 and $10 bills last even less at about 5.8 and 5.7 years. U.S. paper currency is made from a durable blend of 75% cotton and 25% linen, but bills still degrade after repeated handling and can withstand only about 4,000 double folds. Larger denominations circulate less and last longer — $20 bills average 11.1 years, $50 bills 14.9 years, and $100 bills about 24 years. $5 and $10 bills last the shortest because they are used more frequently for everyday cash transactions, when $1 bills often sit idle in tip jars, cash drawers, or wallets for longer periods and circulate more slowly outside the banking system, delaying the ability to replace. [source: federalreserve.gov]

5. SOUND OUT - There are now over 2,000 “Silent Book Club” chapters worldwide. What began as two friends quietly reading their own books together in a San Francisco wine bar in 2012 has expanded into a global organization with chapters in 62 countries. The Silent Book Club is built on a simple concept: members bring their own books to a set location at a set time and read independently while in the company of other book worms. In practice it’s not 100% silent since many chapters do things like quick intros at the start with name plus what you’re reading, then a set “silent reading” block, then optional socializing afterward (or you can “read and leave”). What makes it better than a traditional book club: no required reading or forced interactions — making the semi-social format low-pressure compared to traditional book clubs and the perfect “introvert’s happy hour.” [source: axios.com]

6. TURN THE PAGE - Although bookstores have been regaining popularity, overall, printed book sales are still sliding — down 1% last year to 679 million copies — with a trend to keep falling, but that’s not saying books are any less popular today overall. Digital audiobook sales were up by 24% in 2024, reaching $1.1 billion, with audiobooks now reflecting 11.3% of the total book market. Best-selling non-fiction titles from celebrity authors (like Jeremy Renner, Nate Bargatze, and Brooke Shields) sold more audiobooks than hardcover texts. The same goes for recent top-selling fiction titles like Karin Slaughter’s “We Are All Guilty Here,” Callie Hart’s “Brimstone,” and S.A. Cosby’s “King of Ashes.” While audiobooks have been around for decades, having authors routinely read their own stories — and layering in sound effects — is a relatively new experience that is generating wider interest. [source: wsj.com]

- Reproduction of Any Kind Prohibited without Express Permission -
Written and Copyrighted © 2026 Mark A. Timmick. All rights reserved. Email [email protected] for subscription information. Although content is developed or drawn from sources believed to be reliable, the information has not been verified as accurate and could contain errors. It is not possible to invest directly in an index. Past performance is not indicative of future results.

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