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November 2023 Newsletter




How to Get Out of Debt

A U.S. News and World Report article, 16 Things to Do When You’re Deep in Debt, offers some potentially useful information, including concrete steps that may help you wipe out some of your debt.

If you have a lot of debt, bankruptcy may be an option. In 2022, more than 380,000 Americans chose bankruptcy. While the process may damage your credit, making it harder to get good offers from credit card companies and lenders, it’s also a way to make a financial re-start.

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The Full moon in November is Traditionally Called the Beaver Moon

The tradition goes back to North America’s early colonial years, as it was during this time of year that hunters would set their beaver traps for the last time before the lakes and water sources, they lived in froze over.



HDHP/HSA Pairing May Help Control Medical Costs

If your employer offers health insurance benefits, one of your options may be a high-deductible health plan (HDHP) with eligibility for a health savings account (HSA). These plans offer potential savings by encouraging you to make cost-effective choices in your medical spending. If you do not have employer-sponsored health coverage, you can choose from a variety of individual HDHPs, including plans through state or federal health insurance exchanges.

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Sweet Potato Pancakes with Cinnamon Cream

Topped with a rich cinnamon cream, these pancakes are an ideal dish for celebrating the tastes and aromas of fall.

Get Cooking!

E.T.S. Financial Services, LLC. is not affiliated or endorsed by the Social Security Administration or any government agency.

Investment advisory services are offered by First Advisors National, LLC, a Registered Investment Advisor in the State of Georgia.

Some of these materials are provided for general information and educational purposes based upon publicly available information from sources believed to be reliable—we cannot assure the accuracy or completeness of these materials. The information in these materials may change at any time and without notice.



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