About Clint Proctor

Clint Proctor is the founder of the Wallet Wise Guy and a freelance writer. You can find his work at Business Insider, US News, Forbes, Yahoo Finance, Credit Karma, Student Loan Planner, and many other news sites and blogs.

The Ultimate Guide to Buying a Home

Several years ago, I finally settled down and decided to buy a home after spending 10 years as a renter (and living in 10 different places!). My wife and I were excited to finally have “our own place.” In retrospect, there were things I wish we would have known before we began shopping for a home. Buying a home is an intense and often emotionally-charged process. If you aren’t careful, it’s easy to spend more than you can afford. Or … [Read more...]

Budgeting for Couples: How to Adopt a Budgeting Lifestyle

Budgeting for couples may require more effort and attention than budgeting on your own. But it's a habit that many couples desperately need to learn. A recent Magnify Money survey of over 1,000 Americans revealed some alarming facts about marriage and money. One in five couples that responded to the survey regretted combining finances with their spouse. And 21% of respondents cited finances as the primary cause of their … [Read more...]

The Ultimate Guide to Payroll for Small Business Owners

  Has your business grown to the point that it's time to hire help? On one hand, that's great news. But, on the other hand, payroll for small business owners adds another layer of complexity to the act of running your business. Most small business owners don't have a background in HR, accounting, or bookkeeping. So how can you set up a payroll system that keeps you on the good side of the IRS without consuming too much of … [Read more...]

Best and Worst Ways to Spend Your Stimulus Check as a Business Owner

On March 27th, President Trump signed the CARES Act into law. It provides over $2.2 trillion of financial relief for individuals and business owners who are reeling from coronavirus shutdowns. The CARES Act is a sweeping piece of legislation that introduces a wide range of economic relief programs. But it also instructs the Treasury Department to send direct payments to United States citizens. Each eligible citizen will receive a … [Read more...]

Our Vanguard Personal Advisor Services Review: Have a Human Advisor Review Your Plan

  Since John Bogle founded Vanguard in 1975, they've become one of the most trusted companies in the investing industry. They have over 20 million clients and manage over $5 trillion in assets. Throughout their history, Vanguard has championed the idea that the average person can be a successful investor by implementing a buy and hold strategy and keeping their costs low. But even Vanguard realizes that not everyone wants … [Read more...]

SBA Loans: Everything You Need to Know

Notice: For COVID-19 related SBA loan information, see our coverage of the Paycheck Protection Program (PPP). Or for more coronavirus (COVID-19) SBA resources, skip to the bottom where we discuss the EIDL and SBA Debt Relief Programs. If you need funding for your small business, it's hard to beat SBA loans. They come with favorable terms and may be easier to qualify for than other business loans. But as with any … [Read more...]

How to Form an LLC in 10 Easy Steps

A Limited Liability Company (LLC) is one of the most popular business structures for businesses of all sizes. And that makes sense because there's a lot to love about LLCs. When you form an LLC, your business becomes a formal separate entity, protecting your personal assets in the event of a lawsuit. An LLC can also help you avoid double taxation and increase your business credibility, while requiring less paperwork than … [Read more...]

Lower Your Cell Phone Bill: Best Business Cell Phone Plans And Bill Negotiation Services

  As a freelance writer, my "office" is wherever my laptop happens to be open. And my "business phone," is the same phone that I use for personal phone calls and texts, or checking Facebook and Twitter--my cell phone. In my case, I only have my own cell phone bill to worry about. But if you're a small business owner, your employees may rely upon their cell phones just as often as I do mine. In fact, in many service-oriented … [Read more...]

Emperor Investments Review: Not Your Ordinary Robo-Advisor

  Emperor Investments used to be a part of the robo-advisor space but has recently stopped taking new customers. Emperor Investments was a robo-advisor that used pure stock portfolios that were chosen by real human experts. Unfortunately, they are no longer taking new customers. But, there are several alternatives that fill your robo-advisor needs, such as Betterment, Ally, and Vanguard. The unique proposition that Emperor … [Read more...]

How to Make Money as a Social Media Consultant

  I'm a freelance writer, and I enjoy my work, but I often wonder what it would be like to perform different services in my space. One online side hustle that seems interesting to me is social media consulting. I know of several people who are making significant part-time money by being a social media consultant for businesses and blogs. And some have even turned their social media gigs into full-time jobs. To make money … [Read more...]