Bond and Botes - Posts from January 2018

  • Epilepsy and Social Security Disability Claims

    I have seen a number of variations of what I broadly refer to as “seizure disorders” over the years of my SSA disability practice. Whether emanating from some malformation in the brain, a traumatic brain injury or epilepsy, etc., these ailments can have a devastating effect on a person’s employ-ability through no fault of their own.

    Bond and Botes- 11 readers -
  • How to Choose a Bankruptcy Attorney & Why a Face-to-Face Consultation Is the Best

    Making a decision to seek bankruptcy advice is usually something a person puts a lot of thought (and worry and sleepless nights) into beforehand. Finding reputable and knowledgeable counsel is a must to ensure your bankruptcy is successful. You can’t always believe what you read about bankruptcy on the internet. Also, much of what you may find on the internet will not apply to you.

    Amy Tanner/ Bond and Botes- 13 readers -
  • Financial Resolutions for the New Year

    Taking control of your finances is extremely liberating. This is the time of the year when people set financial goals for the year. Here are some of the more popular financial resolutions and some tips for meeting your goal. Common Financial Resolutions (And How to Achieve Them) Save More Money If your goal is to save more money this year, there are a couple of ways to make sur ...

    Kathryn Davis/ Bond and Botes- 10 readers -
  • Is the New “Payday Loan” Lending Model Still Predatory?

    The pressure on the payday loan industry resulting from heightened attention on its predatory lending methods is causing a new metamorphosis in the industry. This time, the industry has lured a bi-partisan effort in Congress to assist it. Not much gets done in Congress these days in a bi-partisan fashion, so it is disappointing to see our lawmakers falling victim to this scam a ...

    Bond and Botes- 10 readers -
  • It Might Be Time for a Chapter 13

    One of the most common ways to pay off accumulated medical bills and credit card debt is to take a home equity line of credit, or HELOC, on your home. According to a recent CNBC article by Diana Olick, homeowners are sitting on trillions of dollars in cash. How Is This Possible? In the third quarter of 2017, the amount of equity homeowners reached was at an all-time high of $5.5 trillion.

    Bond and Botes- 10 readers -
  • Episode 26 – Next Lawyer Up with Ron Sykstus featuring Clint Butler

    This episode of the Next Lawyer Up podcast features attorney Clint Butler This is an interesting podcast to me because I first met Clint Butler several years ago through his oldest son, Hunter. Hunter played football for me in a youth football league along with my middle son, Tom. Hunter was a tough, confident, smart and perceptive kid as a 7 year old as was his little brother Alec.

    Ron Sykstus/ Bond and Botes- 13 readers -
  • Millennials Are Struggling with Health Care Costs

    More than half of Millennials, 57 percent, say they have little to no understanding of how out of pocket health costs such as co-pays, deductibles and co-insurance work, according to a new report from consumer credit firm TransUnion. By contrast, about 40 percent of baby boomers admit to limited knowledge about their benefits.

    Grant Mcnutt/ Bond and Botes- 15 readers -
  • Recap: Retailers That Filed Bankruptcy in 2017

    As we begin 2018, we cannot help but be reminded of some of the 50 retail chains that filed for Chapter 11 bankruptcy in 2017. The list includes: Gander Mountain In March 2017, Gander Mountain filed bankruptcy. In May 2017, its assets were sold to Camping World. The company will now be known as Gander Outdoors, and several of the Gander Mountain stores that were closed have bee ...

    Mary Pool/ Bond and Botes- 9 readers -
  • Are You A Part of the $1 Trillion Debt?

    Three days ago, Yahoo News reported on Americans’ love of their plastic. According to the story, the Federal Reserve reported that consumer credit card balances jumped 13% in November of last year. That means that Americans’ credit card debt now exceeds $1 trillion. How much is that? Well, let’s say you had $1 trillion in cash money in your basement (lucky you! Right?).

    Ed Woods/ Bond and Botes- 10 readers -
  • From Sudden Wealth to Bankruptcy: How and Why?

    So, you didn’t start off the New Year by winning any of the latest big lottery jackpots. However, two lone winners did. One winner from New Hampshire has yet to claim the $560 million Powerball jackpot. The other 20-year-old winner from Florida claimed his $450 million Mega Millions grand prize. He chose the one lump sum amount of $282 million.

    Bond and Botes- 11 readers -