Not a yogi but want to try yoga? Yin yoga for the win! I have tried “regular” yoga several times and each time it was not a great experience. I did not feel strong enough, flexible enough, or slim enough. I stumbled upon yin yoga. I searched YouTube and found several different channels offering to [...]
A Federal Trade Commission (FTC) Workshop Ophthalmic Practice Rules -- Proposed Changes to the Eyeglass Rule. If you have ever finished your eye exam and then felt pressured to purchase your eye glasses on the spot, you may be interested in learning more about the Eyeglass Rule. Join the FTC tomorrow morning; the workshop is [...]
Scams Fraud The duped consumer. As of 2022 the Federal Trade Commission reported 2.4 MILLION fraud reports and losses of more than $8.8 billion. You Know Me! The number one scam category: imposter scams. These types of scams involve criminals pretending to be a trusted organization such as a bank, the police or a government [...]
Considering or have filed a Chapter 13 Bankruptcy case? Ignore This Educational Bankruptcy Post -- Are you a Chapter 7 filer with secured property that you would like to keep? This post is for you. For those of you that filed a Chapter 7 and have a security interest in property -- you may hear [...]
April 1, 2023 Median Income Levels for Kansas and Missouri Bankruptcy Filers The Means Test looks at your Median Income to determine for which Chapter of Bankruptcy you qualify: Chapter 7 or Chapter 13 Most individual debtors filing for bankruptcy relief are required to complete a version of Bankruptcy Form 122. On April 1, 2023, [...]
Why Did I Get A 1099 Post-Discharge? I filed a Chapter 7 / Chapter 13 Bankruptcy – Why am I receiving a: 1099-A vs 1099-C Cancelation of Debt When a creditor writes off your debt, it means the lender has written the account off as a loss and the account is closed to future charges. [...]
How can I afford to see a therapist? Mental health isn’t in my budget. Professional services are so expensive, I’m already drained. Life. Is. Hard. We get it. Each year one in five women compared with one in eight men have a mental disorder, such as depression, post-traumatic stress disorder (PTSD), or an eating disorder. [...]
Car Debt: Negative equity – Finance trap. Pandemic Vehicles If you looked at cars at all during pandemic, you know it wasn’t good. It wasn’t just the new cars though. Used car prices that really soared! We happened to be in the market for a vehicle for our teen during this time. I have to [...]
Buy Now, Pay Later -- Borrower Profiles: It’s not what we thought. What is Buy Now, Pay Later? Buy now, pay later (BNBL) is a type of short-term financing that allows consumers to make a purchase and pay for it over time. When they finish shopping online and get to checkout they can break up [...]
(ADULT) Kids: Living at home -- When is enough, enough? Not a New Question I feel like I’ve written a blog about this in the past. I know it's been the topic of more than one conversation in our office. Yet, an article in a weekly newsletter I follow caught my eye today, “Why do [...]
