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Understanding the Refundable Child Tax Credit

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’...

Understanding the Refundable Child Tax Credit

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...

Understanding the Refundable Child Tax Credit

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...

Understanding the Refundable Child Tax Credit

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...

Understanding the Refundable Child Tax Credit

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...

Understanding the Refundable Child Tax Credit

Understanding Certificates of Deposit (CDs)

By Charlestien Harris As a financial counselor, I get a lot of questions and concerns about which financial products can best suit my clients’ financial goals.  One such product of interest is the certificate of deposit or the CD as it is most-commonly...

Understanding the Refundable Child Tax Credit

Planning Your Retirement: Part 3

By Charlestien Harris Since I am thinking about retirement myself, I thought I would explore some important questions that should be answered before the big day arrives.  Question 1: What age do I plan to retire?  There is a lot of curiosity about what is the...