Latest Posts

Student Loan Debt Consolidation

by Jared White on Feb 7, 2019

The figures out last year show that the average amount of student loan debt a student graduates with is $18,625. Most graduates are carrying multiple student loans from multiple sources, and the cost and complexity of managing them can become overwhelming, especially if they are unable to secure steady employment with sufficient cash flow to make the payments.

8 Tips for Paying High Medical Bills

by Jared White on Jan 29, 2019

Next to the IRS, the most formidable and intimidating institutions people will face are the insurance companies and the medical care complex. Both are at the root of increasing medical costs and both are intent on making sure their bottom lines are forever expanding. Never mind that high medical bills are the number one cause of bankruptcies in the U.S.

Finance Financial Missteps

by Jared White on Jan 26, 2019

Personal finance, like just about everything else, is mainly common sense. Advice like “don’t spend more than you make; start investing while you’re young; don’t loan money to friends with the expectation of getting it back,” have been around for generations, and most likely will survive the next few generations as well. Even money mistakes that are corrected early enough will have little impact on your wealth going forward.  What you do want to avoid are money mistakes that can be hard to recover from. Here are just a few:

Why Financial Advisors Are Still Important

by Jared White on Jan 25, 2019

With the rise in popularity of financial planning robo-advisors, many experts predicted the beginning of the end for financial advisors. But as many investors are starting to see, there are distinct advantages to speaking with a live person when determining just how you should invest your money.

While robo-advisors can be a good solution for those with limited funds who want to get their feet wet in the investment arena, the problem is the lack of a personal relationship can prove to be detrimental.

7 Ways to Avoid Bankruptcy

by Jared White on Jan 23, 2019

In 2018, Americans’ debt hit $13 trillion, with the average American carrying more than $38,000 in debt – not including home mortgages. For many, debt is simply a way of life, with more Americans living from paycheck to paycheck.

For those consumed by debt, Chapter 7 or Chapter 13 bankruptcy is an option, with Chapter 7 wiping out eligible debt, and Chapter 13 reducing debt and allowing filers to make monthly payments to pay off the rest.

Top Strategies for Charitable Giving

by Jared White on Jan 22, 2019

We all have certain causes that we choose to support monetarily. In fact, in 2017, Americans gave more than $410 billion to charities, breaking the $400 billion mark for the first time in history.

But anytime that we give our money to an organization, it’s important to do our due diligence, ensuring that the funds that we give will be used effectively.