Blog

Personal Finance Tips from Famous Dads

2020-07-01T14:41:53-04:00June 18th, 2020|Blog|

Happy Father’s Day! ELM3 wants to take a moment to thank all the dads and grandfathers who have provided so much love and support to their families. Our hearts go out to every family who’s celebrating this holiday virtually or in-person, and no matter how you spend the day, we hope you enjoy some money [...]

Managing an Early or Unexpected Retirement

2020-08-31T17:05:22-04:00June 15th, 2020|Blog|

Managing an Early or Unexpected Retirement By: Stacey Nickens Before the COVID-19 Pandemic, many Americans retired earlier than expected. Some individuals retired ahead of schedule because they saved successfully and were financially able to do so. Others became weary of the daily commute and grind. However, according to a study by Allianz Life, more than [...]

Paycheck Protection Program (PPP)

2020-04-03T17:03:27-04:00April 3rd, 2020|Blog, COVID-19|

April 3, 2020 5:00 pm ET By: Stacey Nickens Paycheck Protection Program (PPP) Information The The Paycheck Protection Program (“PPP”) authorizes up to $349 billion in forgivable loans to small businesses to pay their employees during the COVID-19 crisis. All loan terms will be the same for everyone. The loan amounts will be forgiven as [...]

Calculate how much you’ll get from the $1,200 (or more) Coronavirus Checks

2020-04-03T16:35:37-04:00April 3rd, 2020|Blog, COVID-19|

April 3, 2020 4:00 pm ET By: Stacey Nickens Over 80 percent of American adults will receive a payment The U.S. government is about to send checks — or direct deposits — to most Americans to help people survive financially as much of the economy shuts down in an effort to slow the spread of [...]

COVID-19 Stimulus Checks Eligibility Breakdown

2020-04-03T13:16:20-04:00April 3rd, 2020|Blog, COVID-19|

April 3, 2020 2:00 pm ET By: Stacey Nickens COVID-19 Stimulus Checks Eligibility Breakdown If you haven’t filed a 2018 Tax Return and do not receive social security You should file as soon as possible. The IRS will be using your information from either your 2018 or 2019 Tax return to determine if you [...]

How to Avoid Scammers During the Coronavirus (Covid-19) Crisis

2020-03-20T15:56:39-04:00March 20th, 2020|Blog, Cyberthieves, Scammers|

March 20, 2020 5:00 pm ET By: Stacey Nickens How to Avoid Scammers During the Coronavirus (Covid-19) Crisis Identity thieves are playing on the fears of individuals around the world as coverage regarding the coronavirus outbreak, or COVID-19, increases. Fraudsters are exploiting the opportunity to steal the Personally Identifiable Information (PII), financial information, and [...]

Big Technology Stocks Dominate ESG Funds

2020-03-18T07:39:47-04:00February 10th, 2020|Blog, Investments, IRA, Mutual Funds, renewable, Retirement, Socially Responsible Investing, Uncategorized|

By: Akane Otani Feb 10 ,2020 Source: Wall Street Journal ESG investing is an investment strategy that seeks to consider both financial return and social, ethical/ environmental awareness.  ESG stands for environmental, social, and governance.  ETFs and mutual funds that market themselves as sustainable investments aren’t necessarily focused on companies that fight climate change, develop [...]

What To Do If the IRS Calls (Hint: It’s Not the IRS Calling)

2019-02-15T14:16:36-05:00February 15th, 2019|Blog|

Many people have been asking, "What do I do when the IRS calls  me?" The answer: The IRS, and other government organizations like the DMV or Social Security Office, will never call you unless you called them first. However, tax season is prime time for scam phone calls and emails. Email phishing scams were up [...]

Ways to Save On Your Cellphone Bill

2019-01-18T14:58:02-05:00January 18th, 2019|Blog|

Today, most of us depend immensely on our cellphones. I use mine to check in to flights, buy groceries, search the internet, and text and call my friends and family. However, while cell phones are essential for many people's lives, your cellphone bill could be a huge drain on your funds. Most bills runs $100 [...]