The TMMF Journal
Expert guidance on credit, taxes, insurance, and business — straight from Mavel Mena and the TMMF Corp team.
LLC vs Corporation: Which Is Right for Your Business?
Choosing the wrong business entity can cost you thousands in taxes and hours in paperwork. Here's how to decide between an LLC and a Corporation.
5 Life Insurance Mistakes Families Make (And How to Avoid Them)
Life insurance is one of the most misunderstood financial products. Here are the five mistakes I see every week — and how to avoid every one.
10 Tax Deductions Most Small Business Owners Miss
Every tax season I find clients who overpaid the IRS by $3K–$10K the year before. These are the ten deductions they almost always miss.
Credit Repair in North Miami: The 2026 Local Homeowner's Guide
North Miami's housing market moves fast. Here's exactly how to repair your credit locally before you compete for a home in 33161, 33181, or 33179.
How to Raise Your Credit Score Before Buying a Home in North Miami
You found the house in Keystone Point or Sans Souci. Now the lender wants a 700+ score. Here's how to get there in one quarter.
How to Remove Collections From Your Credit Report in Miami-Dade
Miami collections are aggressive. But federal law is on your side — here's how to force removal instead of just paying and hoping.
Credit Repair vs Debt Consolidation: Which Is Right for North Miami Families?
North Miami families average $9,400 in credit card debt. Consolidation feels easier — but it can tank your score for years. Here's the honest comparison.
7 Credit Score Myths Costing North Miami Consumers Thousands
Checking your own credit does NOT hurt your score. That myth alone costs North Miami buyers a fortune. Here are six more.
Life Insurance for North Miami Families: How Much You Really Need
With North Miami median home prices near $475K and daycare running $1,800/mo, the old '10x income' rule is not enough. Here's the honest number.
Affordable Health Insurance in North Miami: 2026 ACA & Off-Marketplace Options
Florida still hasn't expanded Medicaid. Here's how to legally get quality coverage in North Miami whether you earn $28K or $128K.
Final Expense Insurance for North Miami Seniors: Peace of Mind Under $50/Month
The average funeral in Miami-Dade now costs $9,400. Final expense insurance ensures your family isn't stuck with a bill during the worst week of their life.
IUL vs 401(k): Which Is Better for North Miami Business Owners?
Your 401(k) is fully taxable in retirement. An IUL, done right, is not. Here's when each wins for Miami business owners.
Medicare Supplement vs Advantage in North Miami: 2026 Comparison
Turning 65 in North Miami? The Medicare decision you make in your first 6 months can lock in — or lock out — your care for life.
Tax Preparation in North Miami: 2026 Filing Season Guide
Florida has no state income tax — but that doesn't mean your federal return is simple. Here's what North Miami filers need to know this year.
ITIN Tax Filing in North Miami: Complete 2026 Guide
North Miami is home to one of the largest immigrant workforces in the country. If you're paid in cash or on a 1099 without an SSN — this is for you.
Small Business Taxes in North Miami: What Owners Owe & Deduct in 2026
Running a North Miami LLC? You have four tax deadlines a year — not one. Here's how to stay compliant and keep more of what you earn.
Rental Property Taxes in North Miami: Deductions & Depreciation Explained
Own a duplex in Keystone or a short-term rental near Sunny Isles? The tax code was written for landlords — here's how to use it.
Owe Back Taxes in North Miami? How to Fix It Without Losing Sleep
IRS letters look scary but the IRS has more resolution options than most people know. Here's the real playbook for North Miami filers behind on taxes.
How to Start an LLC in North Miami (Florida) — 2026 Step-by-Step
Florida is one of the friendliest states in the country to start an LLC — no state income tax, low fees, fast filing. Here's exactly how to do it right.
LLC vs S-Corp for North Miami Business Owners: The Real Numbers
Once your North Miami business clears $60K in net profit, an S-Corp election typically saves $8K–$18K per year. Here's the math.
Florida LLC Annual Report: Don't Lose Your Business Over $138
Every year I resurrect a dozen North Miami LLCs that got administratively dissolved for missing a $138.75 filing. Don't be one of them.
How to Build Business Credit in North Miami (Even With Bad Personal Credit)
Business credit is separate from your personal FICO — and it can unlock $50K+ in funding even if your personal score isn't perfect.
Opening a Corporation in North Miami as a Non-US Resident
You don't need a green card, an SSN, or even to live in the US to own a Florida business. Here's how thousands of my clients do it every year.
How to Get an EIN in North Miami: Same-Day IRS Filing Guide
An EIN is free and takes 15 minutes if you have an SSN. Non-residents take longer. Here's how to do both without getting rejected.
ITIN Application in North Miami: Step-by-Step with a Certified Acceptance Agent
Never mail your passport to the IRS. Certified Acceptance Agents in North Miami can certify your documents locally in one visit.
EIN vs ITIN vs SSN: What North Miami Filers Need to Know
Three-letter tax IDs get mixed up constantly. Here's the plain-English difference between SSN, EIN, and ITIN.
Filing Form 2553 in North Miami: The S-Corp Election Deadline You Can't Miss
Form 2553 is a 3-page election that can save North Miami business owners five figures a year. Here's when and how to file it correctly.
Got an IRS Letter in North Miami? Decode It Before You Panic
The IRS mails 200 million notices a year. Most are fixable in one letter — if you respond in time.
Auto Refinance in North Miami: Cut Your Car Payment in 2026
If you financed a car at a North Miami dealership in the last 3 years, your rate is almost certainly too high. Here's how to fix it.
Can I Refinance My Car With Bad Credit in North Miami?
Sub-640 credit doesn't lock you out of a refinance. It just means we shop differently.
When to Refinance Your Car Loan in Miami: The 3-Question Test
Refinancing at the wrong time can cost more than it saves. Here's the three-minute test I run before quoting any client.
Cash-Out Auto Refinance in North Miami: Tap Your Car's Equity
You may not know your car has equity — but if you've been paying for 3+ years, chances are it does. Here's how to responsibly access it.
Lease Buyout Refinance in North Miami: Own the Car You Love
Used car values in South Florida stayed high. That means many lease buyouts today are worth thousands more than the buyout price — free equity if you finance smart.