About Finance Gourmet

Brian Nelson is a freelance financial writer, among other things. His freelance writing business, ArcticLlama, provides high-quality writing, content, and other publications to clients.

As the Finance Gourmet, Brian offers the knowledge of a former financial planner, and CFP, who worked with real clients.   All that real-world experience adds up to bring you the best tips and tricks in the game.  More importantly, I’ve seen what works and what doesn’t.  I know what sounds good on paper but probably won’t work out in real life.

Brian Nelson Picture

One of the reasons I started writing Finance Gourmet was that after spending years helping people as a Certified Financial Planner, I realized that many people were stuck in between the realm of being perfectly capable of handling all their financial planning and investing on their own, and actually needing a full relationship with a financial advisor. I envisioned a personal financial advice website where people could get good, solid, accurate, and simple (when possible) information about news events, financial planning, and money matters in general.

To that end, this finance blog covers not only ongoing finance, savings, and money advice, but also explains news stories or other events in the context of the regular person interested in money and finance. Also, I have begun creating a series of basic financial planning guides that you can follow to build your own financial plan, particularly if you fall into that finances knowledge gap.

You can visit the main Finance Gourmet website here.

All information on Finance Gourmet is for educational purposes only. I am no longer a financial advisor. I do not hold myself out to be a financial advisor. I am a writer who has years of experience in what I’m talking about. Even so, nothing on this website is an offer to buy or sell securities. I am not a tax professional, nor do I play one on TV. All tax-related information is for informational purposes only and is not advice for your specific tax situation. All information was believed to be correct at the time of publication, however, circumstances, laws, rules, and regulations all change over time. I am also not an attorney. Nothing on this website should be construed as legal advice.

Privacy Policy

Our Commitment to Privacy

Your privacy is important to us. To better protect your privacy, we provide this notice explaining our online information practices and the choices you can make about the way your information is collected and used. To make this notice easy to find, we make it available on our homepage and at every point where personally identifiable information may be requested.

The Information We Collect:

This notice applies to all information collected or submitted on the Finance Gourmet website.

We do not collect any personal information unless you specifically register as a user, fill out a form or request, and submit such information by manually clicking on a link or button.

The Way We Use Information:

We use the information you provide about yourself when placing an order only to complete that order. We do not share this information with outside parties except to the extent necessary to complete that order.

We use the information you provide about someone else when placing an order only to ship the product and to confirm delivery. We do not share this information with outside parties except to the extent necessary to complete that order.

We use return email addresses to answer the email we receive. Such addresses are not used for any other purpose and are not shared with outside parties.

You can register with our website if you would like. The information you submit on our website will not be used for this purpose unless you fill out the registration form. We do not share information collected for the purpose of registering as a user with outside parties.

We use non-identifying and aggregate information to better design our website and to share with advertisers. For example, we may tell an advertiser that X number of individuals visited a certain area on our website, or that Y number of men and Z number of women filled out our registration form, but we would not disclose anything that could be used to identify those individuals.

Finally, we never use or share the personally identifiable information provided to us online in ways unrelated to the ones described above without also providing you an opportunity to opt-out or otherwise prohibit such unrelated uses.

Our Commitment To Children’s Privacy:

Protecting the privacy of the young is especially important. For that reason, we never collect or maintain information at our website from those we know are under 13, and no part of our website is structured to attract anyone under 13.

Note Regarding the Use of Google Analytics and Google AdSense:

We use Google Analytics to provide us with information regarding the use of our site to improve and update the site. We do not share any information provided to us via Google Analytics with any other party. However, we cannot warrant whether or how Google collects information, if any, nor whether or how they share such information with other parties.

We use Google AdSense on some pages to display ads. While Google provides us various usage statistics and information regarding such ads, we do not collect any additional information regarding such ads. We cannot warrant whether or how Google collects information, if any, nor whether or how they share any such information with other parties. Upon clicking any Google AdSense link, your privacy is governed by the Google AdSense program, and the operator of the link destination and not by ArcticLlama.

How To Contact Us

Should you have other questions or concerns about these privacy policies, please send us an email at arcticllama –at- articllama dot com.


All Rights Reserved – Copyright 2020 – 2022

10 thoughts on “About Finance Gourmet”

  1. Hi Brian! I just found your site and really like it. I have a financial situation I would like to ask you about (but didn’t want to share on a post). Would you consider emailing me so I can elaborate a little more? I am not sure what to do and I am hoping you can provide some insight.

  2. I want to look at a rewards card catalog to see if there is anything I want to redeem my points on but I can’t seem to find a catalog online. I used to receive them in the mail but I don’t get them anymore. How can I see them?

  3. I have been trying to get into my Karma a/c and an told my password is wrong. When I apply for a new password I get a message that it has been sent to my e-mail address but it never gets there.
    When I try to apply for a new a/c I am told that I already have one.
    Where do I go from here so that I can get into my a/c.

    • Helene, I’m not affiliated with Credit Karma, so I can’t help you with your password. It is very common, however, for password reset emails to end up in your spam filter. Check there.

  4. Hello Brian,

    I have just stumbled on Arctic Llama and Finance Gourmet, and I would like to take the moment to say they are both amazing.
    I am getting into the freelance writing business right now, and your Arctic Llama has been a wonderful help. I see too that you know about freelance taxing.

    To get to the point of my contact, would you be willing to offer me some advice regarding freelance writing and US taxes?

    I do not reside in the US, but I am a citizen. My current foreign income is low enough that I am tax exempt, though I do have to report it. If I start freelancing, however, and am paid via PayPal into my US account, will the IRS require taxes for this income, even if used for living abroad? What if it is paid into a foreign account?

    I realize you cannot legally be responsible for your reply, but if you have any idea of how I should go about this situation, it would be a great aid, and perhaps it will even give you a blog post…?

    Thanks very much for any reply at all, and if no reply is received, thanks very much anyways as I’ve received a mountain of valuable information from your pages.


    • Ashley,
      Thank you for your kind words. I’m glad to have been useful.

      Unfortunately, I’m not going to be too much help here. I don’t really know a lot about how foreign taxes work. What you are looking for is IRS Publication 54 – Tax Guide for U.S. Citizens Living Abroad

      As a U.S. citizen your entire worldwide income is taxable. However, I know that if you work abroad, a certain amount of that ($92,000) is excluded, and then there are other things (like housing) that adjust what income is and is not excluded. You would fall under that setup if you are working for a non-US entity while living abroad. I do not know how getting the money into PayPal or a non-US account affects anything. I’m not sure, but I think if you work for a US company, that would be taxable regardless of where you live, but I might be wrong.

      Hope that points you in the right direction, and sorry I couldn’t be more help.


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