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Public Service Loan Forgiveness Program Explained

Understanding the Refundable Child Tax Credit

By Charlestien Harris The child tax credit is a very popular topic these days so I thought I would provide some details to help explain the tax credit to the general public.  What is the child tax credit is the first question.  According to the IRS’...
Public Service Loan Forgiveness Program Explained

Why Telephone Scams Often Target Seniors

By Charlestien Harris I am entering my sixties, so I am looking at financial issues that affect my age group more and more.  One of the most common issues is telephone scams. Telemarketing fraud is a multi-billion dollar business in the United States.  Every...
Public Service Loan Forgiveness Program Explained

Paying Down Debt and Raising Your Credit Score

By Charlestien Harris As an accredited financial counselor, I’m often asked questions like “How long will it take for my credit score to increase when I make a payment on my accounts?” or “When will I see an increase in my score?”.  The answer I most often reply...
Public Service Loan Forgiveness Program Explained

Breaking Down Your Mortgage Payment

By Charlestien Harris There are so many industry terms used in the home buying process that can be unfamiliar to the average consumer. One example commonly used by the mortgage lending industry is the acronym PITI.  PITI is an acronym for a mortgage payment that...
10 Steps to Buying A Home

10 Steps to Buying A Home

By Charlestien Harris Purchasing a home is one of the most important decisions most people will ever make.  The length of time it takes to buy a home varies according to the readiness of a potential buyer.  For some it can take a few months, for others it...
Public Service Loan Forgiveness Program Explained

Understanding a Reverse Mortgage

By Charlestien Harris A lot of conversations have been happening around understanding how mortgages can be used as a financial tool to improve your financial health and possibly build your net worth.  So let’s dive in to get a better understanding of how a...