Businesses can run into trouble for many reasons, including rising costs, shrinking sales or unexpected market shifts. Restructuring the business may offer a way forward.   That might include changing how teams are organized or renegotiating debt payments to ease financial pressure. Such strategies can help companies work more efficiently and stay afloat during difficult times.  […]

Life happens: Lawsuits, creditor claims and unexpected financial setbacks can quickly put savings and property at risk.   Asset protection is a way to legally reduce that risk.   Whether you’re a small-business owner or someone planning for retirement, taking steps now may help shield your wealth from future problems. Here’s how asset protection works—and what to […]

Finding the money to start a business isn’t easy—but some funding options don’t have to be repaid. Startup grants can offer free financial support to help you get your business off the ground.   While these grants are competitive, they may be worth exploring if you meet certain requirements. In 2025, a variety of government, nonprofit, […]

Taking out a long-term personal loan is a big financial decision. These loans typically stretch repayment over several years—sometimes a decade or more. That can mean more manageable monthly payments, but also a longer commitment and more interest over time.   Whether you’re consolidating debt, covering major home repairs, or financing a large purchase, it’s important […]

Running a business comes with financial risks. If debt starts piling up, it can quickly become hard to manage, especially after an unexpected financial expense or a downturn in revenue.  Debt relief options exist to help businesses reduce what they owe, reorganize payments, or resolve debts through legal means. These strategies include debt settlement, restructuring, […]

Medical bills can pile up quickly, particularly when you need urgent treatment or care from a non-VA provider. If you’re a veteran, you might wonder whether the U.S. Department of Veterans Affairs (VA) can help with those costs.  The answer depends on your eligibility and the type of care you received. This article explains when […]

The Blended Retirement System (BRS) includes a valuable feature called Continuation Pay. It’s a one-time payment you may receive between your 8th and 12th year of service if you agree to stay in the military for a few more years. If you’re planning to reenlist and receive this payment, how you use it can make […]

If you’re unemployed and dealing with debt, you might be unsure whether bankruptcy is even an option. In many cases, it is—especially under Chapter 7. But the rules for qualifying can be different when you don’t have regular income.  Understanding how unemployment affects bankruptcy eligibility can help you decide what makes sense for your financial […]

When it comes to credit card use, most people fall into one of two groups: transactors or revolvers. These terms are used by credit card companies to describe how someone handles their monthly balance.  A transactor pays off their balance in full each month and avoids interest. A revolver carries a balance and pays interest […]

Tax season can be stressful, but understanding how your income and tax choices affect your return may help you avoid surprises. Small steps, like adjusting how much tax is withheld from your paycheck or choosing the right deductions, can have a big impact.  Knowing how adjusted gross income (AGI), deductions, and credits work can help […]