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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.

How Does the Fed’s Interest Rate Cut Affect You?

Another week and yet another piece of national financial news that has some impact on our everyday lives. This past week the Federal Reserve made a decision to cut interest rates by a quarter point (0.25%). This Federal rate decline will have an impact on mortgage rates, credit card rates, …

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How the US-China Trade War May Affect You

By now I’m sure you have heard something about the trade war between the United States and China, along with the imposed tariffs. What you may not know is how these tariffs could potentially affect the public if this trade war continues. Some business owners have felt the impact of …

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What Are The Differences Between 401(k)s and 403(b)s?

There seems to be an ongoing debate about which is better to contribute to, a 401(k) or a 403(b)?  Typically, from a retirement standpoint both vehicles are very similar in that they are both employer sponsored plans. Both are also qualified tax-advantaged retirement vehicles. But there are some differences between …

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What Are IPOs and Which Are Doing Well in 2019?

By now we all know that the two most popular ride share companies, Uber and Lyft have gone public. Whether you invested in these companies or not isn’t the focus of this article. The focus is to discuss some other IPOs that launched in 2019 that are doing pretty well. …

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Why You Should Get Life Insurance Today

Having life insurance gives your family a peace of mind that in the midst of your untimely or unexpected demise, your final expenses won’t be a burden. Raise your hand if you have seen a GoFundMe page set up to handle the final expenses for someone. GoFundMe is not a …

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Are You an Entrepreneur or a Business Owner?

For many years, and probably even today, these two terms—entrepreneur and business owner, have been interchangeable. The truth is that the two terms are vastly different. I know that is probably abrasive to what you believe to be true, but give me a moment. An entrepreneur is defined as a …

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How to Add to Your Income and Dig Yourself out of Debt

According to American personal financial statistical data, many Americans find themselves stuck in debt, $100 in a bank account and in need of help. How does one work himself out of debt? Let me try to untangle this and work out a plan that will work as long as the …

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