Janet Williams-Reyes @WRFinancial
Janet Williams-Reyes, owner of WR Financial, is a CPA and Financial Advisor working with clients in the US and internationally. janetreyescpa.com Honolulu HI and Portland OR Joined May 2009-
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Have you prepaid for your Holiday Promo Credits yet? Remember, pay $85 and get $100 credit for all tax and accounting services.
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It's officially September! Which means Corporate & Partnership Tax Filing Deadline is near. Did you file?
Regardless of how you choose to manage your debt, make sure you take the full scope of your spending plan & budget goals into account.
Got credit cards? Don't we all, but did you know that you may be able to transfer your higher interest rate balances?
Is debt consolidation worthwhile for you? Read the full blog at ow.ly/QcDPE to decide.
Debt Consolidation Disadvantage #3: It could take you longer to pay off your debt if you use a longer-term loan
Debt Consolidation Disadvantage #2: Longer term than existing loans? Be careful of that interest adding up
Debt Consolidation Disadvantage #1: If home equity loan, it could be secured by a lien on your home
Debt Consolidation Advantage #3: One monthly payment, instead of many
Debt Consolidation Advantage #2: A lower interest rate
Debt Consolidation Advantage #1: Potentially smaller monthly payments
Debt Consolidation may be the answer if you are looking for a way to lower monthly payments and make repayment easier.
Where does the majority of your debt lie? Credit Cards? Loans?
Budget goals, check. Spending plan, check. Debt? ow.ly/QcCrM
Compound Interest calculator - courtesy of Investor.gov @ investor.gov/tools/calculat…
IRS Summertime Tax Tip: US Armed Forces? Special tax breaks may apply to you. Learn more @ irs.gov/uac/About-Publ…
Long-Term Goals: extend well into the future, ie planning for retirement or college. These goals require the most planning.
Medium-Term Goals: things that you and your family want to achieve during the next 5 yrs, ie taking a vacation. More planning is needed.
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