How To Write An Effective Hardship Letter

Like many Americans, you may have fallen on tough times and have either started to fall behind on mortgage payments or you are bound to shortly. You’ve heard that the government has programs that may help you stabilize and your lender could be willing to offer an alternative if you don’t perfectly qualify for federal…
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6 Ways To Reduce Financial Stress

Most Americans live paycheck to paycheck and the times in between can be very stressful. As we all know, stress is not good for us; it has a negative effect on our health and our relationships. According to CNN and Yahoo, money and finances are the number one cause for stress. Finding some relief from…
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How To Use Your Tax Refund To Get Ahead This Year

For many of us, tax season means money in the bank. Well, at least for a little while…until we spend it, right? If you are anticipating a refund this year, do you have a plan for what you will do with this extra cash? Lately, I’ve been asking my clients what they plan to do with…
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Retirement: Your Money, Your Future

So, you are FINALLY nearing retirement age, but you and your spouse never actually discussed what this would look like. Perhaps you put it off for lack of time and energy. It snuck up on you while you were busy driving kids to soccer practice, dance classes, and planning weekend basketball tournaments out of town;…
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Got Savings? How To Go From $0 To $2000 In One Year

How much are you saving? If this question makes you laugh and exclaim “Savings? I wish!”, or creates major waves of guilt and anxiety you are not alone. A Consumer Federation of America study in 2010 found that 69% of low-income households do not have a savings account. In addition, 54% of moderate income households…
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