How Can I Keep My Things and Still File Bankruptcy

How Can I Keep My Things and Still File Bankruptcy?           I had a friend who recently shared with me that she once survived a tornado.  She was a child when it happened and lived in a rural area in the ...

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When it comes to Lawsuits, take it Seriously BUT Don’t Be Scared

When it comes to Lawsuits, take it Seriously BUT Don’t Be Scared!       What do you think of when you hear the word “lawsuit?”  Maybe a couple of boring guys in suits, or a scary and impending judge ...

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If I Lose my Job, Should I Still Pay my Credit Cards

An unexpected job loss can seem like the end of the world.  After all, the next day in itself is a mystery!  And when it comes to personal finance, nothing is more devastating than a loss of income.  However, it’s not the end of ...

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Are you Paying Too Much to Your Phone Company

The past decades have brought a lot of great inventions but none perhaps are so pervasive as a cell phone.  In a few short decades, the cell phone has gone from being a laughable luxury to a necessity.  More than 90% of American adults ...

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Should I Get a Bank Account

Should I Get a Bank Account?         Banking is not a fun topic but it’s a growing governmental concern.  According to the Federal Deposit Insurance Corporation, the amount of households who are still unbanked ...

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THE THREE Ps TO DEALING WITH CREDITORS

THE THREE P’S TO DEALING WITH CREDITORS         It’s totally normal to have a creditor lingering out there.  Maybe it was an cable bill that just didn’t get paid before the big move.  Maybe it ...

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What Do I Do When Someone Owes ME Money?

            It’s an uncomfortable position, when someone owes you money. Not only is the relationship likely ruined, but it even affects the relationships around the person. I had a client whose entire ...

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Your Credit Cards are Manipulating You…and How to Cut the Cord

It’s human nature to get emotionally attached to objects. Maybe for you it’s a seashell from your honeymoon thirty years ago. Or perhaps the tiny pink cap that your first child wore home from the hospital. For some, it’s that ...

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Three SURPRISING things that Affect your Credit Score!

   Credit is a game. Nowadays, each credit bureau can issue you a score, along with the traditional FICO score. But some things are certain: credit card debt affects credit score, positively and negatively. But did you know that there ...

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These Three Tips to Make Taxes Easy!

If you look up procrastination in the dictionary, there’s a picture of an IRS agent silently judging you for not filing your taxes on time.  That may not be true, but what is true is that the majority of Americans put off their taxes until ...

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