It’s daunting to think about the day when you may not be able to live independently and care for yourself. But planning early for long-term care can keep you from becoming overwhelmed in the event that you develop a chronic illness, disability or other condition. By planning your care now, you’ll be...

How to Protect Yourself from Zombie Debt

by Tim Estes on

While the name may be amusing the reality of zombie debt is anything but funny. Zombie debt is old debt that has been written off years ago, only to be sold to debt collectors for pennies on the dollar. In many cases, the debt is years old, and may not even be valid.

Zombie debt collectors use a...

Investment FAQs

by Tim Estes on

Here are the answers to some of the most common investment questions you’ve always wanted to ask.

1. When should I start investing?

When you have the means to do so. One of best places to start investing is with your employer’s 401K or 403B plan, particularly if they offer a match on contributions...

Buying vs. Leasing_ Tips for Stretching Your Car Budget.png

 

*This content is developed from sources believed to be providing accurate information. The information provided is not written or intended as tax or legal advice and may not be relied on for purposes of avoiding any Federal tax penalties. Individuals are encouraged to seek advice from their own...

Many people dream of the day they can leave work behind and start pursuing their lifelong dreams. But for most people, you’ll need to achieve financial stability and independence before you can leave behind your day-to-day job in exchange for a more fulfilling path. This is where the increasingly...

Investing in Tangible Assets

by Tim Estes on

Remember Beanie Babies?  In the late 1990’s, Beanie Baby mania swept the country, with amateur collectors searching frantically at every card shop and kids store to find the latest beanie. Many turned to online stores and eBay, looking for the Beanie Baby that would make them enough money to retire...

The Coronavirus pandemic has affected us all in ways that we didn’t anticipate at the start of the year, especially when it comes to our finances. And unfortunately, just as federal emergency benefits are starting to run out, signs of a second wave of the virus are looming—and some may even say it’s...

Retiring as a Small Business Owner

by Tim Estes on

There are over 30 million small businesses in the United States. Many people start their own businesses in order to become their own boss and take control over their schedules, career goals and finances. It can be incredibly rewarding to start and own a successful small business. But one thing that...

Bankruptcy Basics

by Tim Estes on

While never an easy decision, filing bankruptcy can provide immediate assistance to those struggling to pay their debts. A long, sometimes complicated process, filing bankruptcy should never be the first solution to manage debt, but can provide a way to start over, free from overwhelming debt.

The...

Ups and Downs of Online-Only Banking

by Tim Estes on

The digital world has transformed professional industries in unique ways that prior to internet access would have been impossible. Doctors can monitor patients remotely, lawyers can offer counsel online, software can complete your taxes for you, and even financial investments and advertisements can...