MLMs and Pyramid Schemes: How to Protect Yourself

MLMs and Pyramid Schemes: How to Protect Yourself

Are you familiar with direct sales? You buy into an inventory and sell the product while signing others up to sell, often receiving a sign-on bonus for each person in your direct line. However, as attractive as these ideas are, they can also be problematic. Also known...
Buy Now, Pay Later  

Buy Now, Pay Later  

With all the financial concerns bubbling up before the New Year, you’ve probably heard about Buy      Now Pay Later (BNPL) opportunities. They’re being promoted on all kinds of purchases, big and small. But what are they, and how do they...
Make Your Holiday Shopping Budget   

Make Your Holiday Shopping Budget   

In a couple of days, we turn the page of the calendar to December. For many Americans, that means gift-giving season. When you do your holiday shopping, it can bust your entire annual budget. Even if you’ve been on track all year, a few extra holiday gifts can leave...
What is Bankruptcy? 

What is Bankruptcy? 

Bankruptcy is a scary word; we get it. But it happens and can happen to anyone for any reason. But what is bankruptcy, and how do you know if you need to declare it? What do you need to know about the processes, types, and how to avoid them when possible? Let’s take a...
Financial Health for Veterans

Financial Health for Veterans

This Friday, November 11th, is Veterans Day. This annual observance recognizes U.S. veterans. It’s become a time to consider the state of veteran health care and mental well-being and a way to honor those who have served the country. We can continue to honor U.S....
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