Financial education matters. It helps people understand basic concepts, ask better questions, and compareoptions with more confidence. But education alone does not solve the problem for many people. When someone
If you receive a call from a debt collection agency, you might be unsure of whether or not you should answer. The Fair Debt Collection Practices Act
Trying to find ways to get a handle on your debt? You might consider debt consolidation, a process that can simplify your debt and possibly lower
Many of us were never taught how to manage credit cards or how they even work. Let’s start off with some basics before jumping into how to pay down
So, you have a great credit score, your spending is under control, and you want to maximize your great score by getting into the habit of using cards that
Open Enrollment season is upon us, and with it the yearly opportunity to make sure we’re taking advantage of all the workplace perks we are entitled to. This means
Last year, in an effort to help student loan borrowers through the financial crisis that COVID-19 brought upon us, the Federal Government suspended payments and interest accrual on most
I’m so sorry that you are dealing with this. Having to cope with unjust and unconstitutional violations of your right to choose should not happen to anyone, and we
As a Trainer, I always ask my clients to track their spending. After all, it's hard to know how much you can save or invest if you don’t know
Eight years ago, I delivered a pro-bono financial plan to a former co-worker; and after I had gone through all of her numbers with her, she said, “You know
Although they should only be used as a last resort, 401(k) loans can be a helpful tool to get you through a rough time or to help you contribute
“I’m starting Monday!” Ahhhh… the age-old excuse for why you’re not in a fitness routine right now. We can put this excuse with “I don’t have time.” Let it
In May, our Certified Financial Trainer Tina wrote this helpful blog post to inform our clients and readers about this year’s unique Child Tax Credit and to
For most of us, our first experience with insurance is buying car insurance to meet state laws or a lender’s requirement. But building a comprehensive insurance plan is an
Rest assured, Financial Friend, you are not alone. Last weekend alone 3 meetings popped onto my calendar with descriptions like “Impending financial downfall,” “Save me from myself,” and “I
Our guest blogger today is Derby Chukwudi. Derby is a contestant in the Miss New Jersey USA competition, and she is passionate about travel, education, reading, writing, and also
I never thought of myself as being bad with money. I usually had an extra month or two of rent in the bank, I didn’t rack up charges on
Over ten years ago now, I left a successful investment banking career to become a Financial Advisory at Merrill Lynch because I saw a tremendous need for diversity in
Although it can seem counterintuitive at times, having and using credit cards are essential parts of optimal financial wellness. Not only do credit cards provide us with a temporary
Getting financially fit can be challenging for anybody, but a lot of the steps towards building a healthy relationship with money can be more tough for those with Attention
The basic facts of the racial wealth gap are that Black Americans hold about 13% of the wealth of white Americans. This wealth disparity can be seen through almost
In four more months I’m becoming a father for the first time. My wife and I are excited to bring a new person into the world, but with it