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Frederick Towles

Frederick Towles is an entrepreneur, author and professional coach on personal finance, recognizing, seizing and leveraging opportunities of all kinds. Frederick founded The Towles Group Inc. to address issues that relate to small businesses and individuals – accounting, taxation, asset protection, financial compliance, wealth creation, debt management and business management. He also founded Unlimited Expectations Inc. which provides tools for individuals to assist them in the areas of opportunity recognition, leadership and personal finance. Through the tools and services offered by these companies people are positioned to operate their lives and their businesses at optimal capacity.

Looking to Buy Your First Home? Part 3 – The Down Payment

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Ok, now let’s go through the checklist so far: You’ve overcome the speculation and obstacles that are attached to home ownership Your credit score is at its optimal point You’ve figured out the home price that is comfortable and affordable for your family You’ve assembled (or are in the process …

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Looking To Buy Your First Home? Part 1

First-Time-Homeowner-KCM

So you want to buy your first home?  That is awesome! Owning a home used to be a part of the American Dream.  For many, that dream is changing. Home ownership still has merit as it gives a sense of pride, stability and control—say goodbye to your landlord. This article …

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Will There Be a Cavs vs. Warriors IV?

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First, I would like to start by saying congratulations to the Golden State Warriors on a great accomplishment—winning the 2016-2017 NBA championship.  I am a LeBron James fan, but hats off to the Warriors from Oakland! Enough of that.  It is quite apparent that the Cavaliers and Warriors will probably …

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Why You Might Want to up Your Cryptocurrency Game

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Before I give my opinion on virtual currencies, I would like you to see what others are saying about the same topic: “[Virtual Currencies] may hold long-term promise, particularly if the innovations promote a faster, more secure and more efficient payment system.” – Ben Bernanke, Former Chairman of the Federal …

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4 Tips to Obtain Business Credit

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So you have a profitable business? Great! You may have the ability to expand the reach of your business, but you need capital, now what do you do? Let’s see if you can obtain some credit for your business. Here are some potential credit sources for your business: 1. Apply …

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Biblical Giving: Attitude and Perspective

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One of the largest debates in church involves giving; monetary giving, in particular. Churches all across America collect money from donors to continue the work of the ministry. In some of these houses of worship, people are freely giving from their hearts.  In other houses of worship, men and women are …

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Network Marketing Debunked!

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Network marketing is a growing sector in the United States. According to the Direct Selling Association, nearly 50% of American households are involved in the network marketing industry. The industry has received bad press over the past decade and I would like to assist in clearing the air for the …

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The Spiritual Erosion of America

Statue of Liberty

There once was a man who purchased a beautiful home with the beach and the sea as his backyard. Every so often, he would take a stroll out of the back door of his home onto the sandy beach and out to the water. One day, after owning the home …

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Your Tax Return and Your Wealth

Income Tax on Monopoly game board

Since it is tax time, I think this post is appropriate. You can tell a lot about your wealth outside of your retirement fund. First we must understand that in the world of wealth and wealth management, that investment income (earnings) are better than wage. One other thing to understand …

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