Securities offered through 1st Global Capital Corp., Member FINRA/SIPC. Investment advisory services, including fee based asset management accounts held through NFS, LLC, are offered through 1st Global Advisors, Inc. All other financial planning services are offered through Kindred Wealth Management, LLC. Kindred Wealth Management, LLC, a Registered Investment Adviser, and 1st Global Capital Corp. are unaffiliated entities. We have individuals registered to offer securities in the states of Florida, Tennessee and Virginia. This is not an offer to sell any security in any other jurisdiction.

Personal Finance   Articles     Financial basics       Establishing a budget       Getting started: establishing a financial safety net       Working with a financial advisor     Managing credit and debt       Choosing a credit card       Contemplating bankruptcy       Credit traps for the unwary       Debt consolidation       How student loans inpact your credit       Understanding your credit report     Owning a home       Applying for a mortgage       Buying a home       Buying a home both you and your insurer will love       Opening the door to homeowners insurance       Refinancing your mortgage       Selling a home       Tapping the equity in your home       Tax benefits of home ownership       Your home as a source of dollars in retirement   Decision Tools     Saving, spending, and borrowing       Consumer price index inflation calculator       Credit cards--advantages vs. disadvantages       Deciding which credit card to get       Growth of annual deposits calculator       Loan amortization calculator       Net worth calculator       Personal cash flow worksheet   FAQs     Bankruptcy       Can I buy a house even though I declared bankruptcy?       I can't pay my bills. Should I declare bankruptcy?       What's the difference between Chapter 7 and Chapter 13 bankruptcy?     Buying a home       Can I buy a house even though I declared bankruptcy?       Can I buy a house with no money down?       How much house can I afford?       How much money do I have to put down to buy a house?       Should I buy a home or continue renting?       Should my partner and I buy a house together even though we're not married?       We just bought our first home. What can we deduct from the settlement statement?       What is involved in buying a house that's for sale by owner?       What's the Homestead Act?     Credit basics       How can I correct errors on my credit report?       How can I figure out my net worth?       How can I get credit if I have no credit history?       How can I protect myself against identity theft?       How can I reduce my spending?       How can I repair my poor credit?       How do I get a copy of my credit report?       How long should I keep copies of my tax returns?       How much money should I keep in a savings account for emergencies?       I can't pay my bills. Should I declare bankruptcy?       Should I invest my extra cash or use it to pay off debt?       Will debt consolidation hurt or help my credit rating?     Mortgages       Can I use a piggyback mortgage as an alternative to private mortgage insurance?       Can my mortgage lender require me to have an escrow account?       I am behind on my mortgage payments. Will my lender begin foreclosure proceedings?       I'm a first-time homebuyer, and I don't have a lot of cash to put down on a house. What type of mortgage would be best for me?       I'm having a hard time selling my home. Should I take out a reverse mortgage?       My mortgage includes a statement that a penalty may be imposed for early payoff. What does that mean?       Should I choose a mortgage with no points and pay a higher interest rate, or should I put money toward points to lower the interest rate on a mortgage?       Should I pay off my student loans early with a home equity loan?       Should I take out a home equity loan to pay for my child's tuition?       What are the advantages of making biweekly mortgage payments?       What's involved in getting a VA mortgage?       What's the difference between a home equity line of credit and a second mortgage?       Which mortgage is better--fixed rate or adjustable?       Why do I have to purchase homeowners insurance in order to obtain a mortgage?     Private mortgage insurance       Can I use a piggyback mortgage as an alternative to private mortgage insurance?       What's private mortgage insurance , and can my mortgage lender require me to have it?     Refinancing a mortgage       Do I need to let my homeowners insurance company know that I'm refinancing a mortgage?       I refinanced my principal home last year and paid points. What are points, and can I deduct them on my tax return?       Should I refinance my home mortgage?     Selling a home       How do I figure the tax on the sale of my home?       I'm having a hard time selling my home. Should I take out a reverse mortgage?       I'm retired now and own my home outright, but I need money to live on. How can I use my home to raise some money without selling it?       Should I sell or rent out my present home?     Spousal credit issues       Am I liable for my spouse's debts?       I'm marrying someone with bad credit. How will this affect me?       Should I open a joint checking account with my spouse?       What's the difference between an "injured spouse" and an "innocent spouse"?