Wisdom Financial Management, LLC

07/16/2026

The choice of business structure is not a final decision. You may amend your business structure to your changing needs.

Entrepreneurs all face the same question, “Which business structure should I adopt?”

07/14/2026

If you don’t have an estate strategy, here's some reasons why you should.

Do you have an estate strategy? You should.

07/13/2026

The price of a first-class Forever stamp rose from 78 cents to 82 cents on July 12.

The increase is part of a series of price hikes from the U.S. Postal Service, which has raised the cost of a first-class stamp several times in recent years.

USPS has cited financial losses, rising operating expenses, and declining mail volume as reasons for the latest increase.

Other postage costs also increased. Domestic postcards rose to 65 cents, while international postcards and letters rose to $1.75.

One important reminder: Forever stamps purchased before the increase still work after the price change. They continue to cover the current cost of one ounce of First-Class Mail postage.

For households and small businesses, postage may seem like a small expense — but recurring cost increases can add up over time, especially for anyone who still relies on mailed bills, invoices, cards, or client communications.

The cost of a first-class Forever stamp has climbed 41% since 2021, and postal officials have signaled they want prices to rise even more.

07/09/2026

Learn more about whether you need to pay estimated taxes.

Have income that isn’t subject to tax withholding? Or insufficient withholdings? You may have to pay estimated taxes.

07/01/2026

Some federal student loan borrowers may soon qualify for a larger interest rate discount by enrolling in automatic payments.

The U.S. Department of Education announced that eligible borrowers who sign up for autopay can receive a 1-percentage-point reduction in their interest rate. The temporary discount is expected to last through June 30, 2028.

Borrowers already enrolled in autopay are expected to receive the discount automatically. Others must enroll by Sept. 30, 2026, to qualify.

Not every loan is eligible. The discount applies to certain federal Direct Loans, including Direct Subsidized, Direct Unsubsidized, Direct PLUS, and Direct Consolidation Loans. Private student loans and FFEL loans are not included.

Borrowers must also have loans in good standing, and the loans generally must have been disbursed on or after July 1, 2012.

For borrowers managing student loan payments, even a temporary rate discount may be worth reviewing as part of their broader monthly cash flow.

To qualify for the U.S. Department of Education's new interest rate discount on student loans, borrowers must meet several requirements. Here's what to know.

06/30/2026

You may have just seen us live on Great Day Live!! Don’t worry if you missed us this morning, there’s more to come 🤩

06/25/2026

Benefit. Premium. Policyholder. Learn the language before evaluating your options.

Term insurance is the simplest form of life insurance. Here's how it works.

06/23/2026

What would happen to your loved ones if you were gone? Make financial preparations today.

Variable Universal Life is permanent insurance in which the policyholder directs how premiums are invested.

06/18/2026

Does your insurance cover you if you get into an accident with an uninsured driver?

You’re hit by an uninsured driver. Now what? Are you protected against financial losses?

06/16/2026

Don’t be afraid of the cyber desperadoes. Learn how your data can be covered by cyber liability insurance in this fun video.

Learn about cyber liability insurance in this entertaining video.