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Retirement Investing 101: All About Bonds
This is the sixth post in our Retirement Investing 101 series written by Amanda Smith, Client Services Specialist at CESI. Check out Part 1 or continue on to Part 7. As promised, we’ll be learning about bonds today. Bonds are considered to be conservative investments, which means that while they have the potential to increase your principal balance, […]
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Retirement Investing 101: The 401(k)
This is the second post in our Retirement Investing 101 series written by Amanda Smith, Client Services Specialist at CESI. Check out Part 1 or continue on to Part 3. Now, what is a 401(k) and why is it so important to have one? Simply put, a 401(k) is an employer-sponsored retirement savings plan – or an account your […]
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Online Credit Counseling Course
Looking for an online credit counseling course but you aren’t sure where to begin? If you are struggling with debt you may have heard that a course like this could be of benefit to you, but because not all educational information is created equal, it’s important to be sure you are getting the right information. So […]
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Non Profit Credit Counseling Services
If you are looking for non profit credit counseling services you’ve come to the right place! Facing your debt alone can be a scary and intimidating process – CESI will help you find a solution that will ease your stress and help you get out of debt. Some of the many services we offer include: […]
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Retirement Investing 101: Introduction
This is the first post in our Retirement Investing 101 series written by Amanda Smith, Client Services Specialist at CESI. Continue on to Part 2. Recently I received a call from a younger client when, somehow in the midst of the conversation, I mentioned a 401(k), only to receive the “blank stare” as I like […]
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National Consumer Credit Counseling
A national consumer credit counseling agency could be just what you need when struggling with debt. You may have heard that you can reduce debt with credit counseling but aren’t sure where to start. The information below will get you started by answering some of the common questions that consumers have about credit counseling. National […]
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Medical Debt Tax Deductions Guide
Medical debt is often one of the largest debts people face. While there’s no way to avoid paying back the debt, you may qualify for a tax deduction while dealing with your medical debt. Below is a guide to knowing if you qualify for the tax deductions and what counts as a medical expense. Do […]
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How to Get a Lower Credit Card Interest Rate with Internal Hardship Programs
Getting a lower interest rate on your credit card is not always easy, but it is possible. There can be huge advantages to getting your interest rates lowered; find out how to do this with these simple steps. Whenever a client calls our company for credit counseling, we always recommend self-management as an option for […]
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Credit Card Debt: Fast Facts
Credit card debt is tough. While the facts below may not put a smile on your face, they may help reassure you that you are not alone in your journey to live debt-free. 80% of American households have at least one credit card. (Source: www.cardweb.com) Total credit card debt in the United States: a whopping $800 […]
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How Frugal Is Too Frugal?
Lately I’ve read several articles about the extreme things people do to save money. Take this article about a “dumpster dive café” or this one about eating roadkill for example. OK, so obviously not everyone finds these ideas to be too extreme, but it got me thinking – where is the line between being frugal […]