Timko Financial

06/23/2026

There are so many reasons to create a will this month, but here are three big ones to consider:

Direct Your Property: Creating a will tells the courts how you want your property distributed. Without a will, state laws will determine how your estate is divided, which may not align with your intentions.

Provide instructions to the probate court: A will can help manage the probate process, providing instructions to the court.

Designate Guardianship for Minor Children: If you have minor children, a will allows you to appoint a guardian to care for them. This crucial step directs that your children are raised by someone you trust, rather than leaving the decision to the courts.

04/23/2026

A common online security tool is now being used in a new type of scam.

Cybercriminals are increasingly using fake CAPTCHA prompts — the familiar “I’m not a robot” checks — to trick users into taking actions that can compromise their devices.

Instead of a simple verification, these prompts may ask users to click “Allow,” enable notifications, or follow additional steps that can lead to persistent pop-ups, phishing attempts, or unwanted software.

These scams often appear through ads, suspicious links, or redirected web pages, making them harder to spot at first glance.

Security experts note that legitimate CAPTCHA tests do not require enabling notifications, downloading files, or entering system commands — making those requests a potential red flag.

As these tactics evolve, staying cautious when interacting with unexpected prompts can help reduce exposure to online threats.


Source:

Cybercriminals are increasingly using fake CAPTCHA prompts to trick users into enabling malware and scam notifications Security experts warn the ta

04/14/2026

Here’s something people don’t talk about enough:
A good financial reset should lower your stress, not raise it.

If your new budget feels strict…
If your goals feel overwhelming…
If your plan feels like pressure…

It won’t last. The goal isn’t perfection. It’s clarity.
Spring is a beautiful time to refresh, but the most powerful resets are steady, simple steps that quietly build momentum over time.

If you’re ready for a reset that feels calm and clear, and not chaotic

04/07/2026

Motivation feels great… until life gets busy.
The reason most financial resets don’t last isn’t lack of effort; it’s lack of design.

If your new system only works when you have extra time and energy, it won’t survive a hectic month.

Instead, build a reset around real life:
✔️ Automate savings
✔️ Set a simple monthly 20-minute check-in
✔️ Focus on just 1–2 priorities

A sustainable plan should work on your busiest weeks, not just your best ones.

If you want help designing something that actually sticks, let’s talk.

03/31/2026

Spring cleaning works because you remove clutter before bringing in something new.

Your finances deserve the same approach.
Before opening another account or setting aggressive new goals, ask:

• Are there subscriptions you don’t use anymore?
• Could any accounts be consolidated?
• Are there goals that simply don’t matter like they used to?

Financial clarity often comes from subtraction, not addition.

If you’re feeling that “get my life together” energy this season, start by clearing what’s outdated. The rest gets much easier from there.