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Tips To Consider When Planning Your Retirement: Part 1

The Emergency Fund: A Financial Lifeline

By Charlestien Harris How many times have you thought about what you could have done if you only had the money to do it?  One of the most challenging things for many consumers is to establish an emergency fund.  Somehow, it has been long thought that it is...
Simple Steps to Reduce Your Debt

Simple Steps to Reduce Your Debt

By Charlestien Harris We have all been through a lot financially, since the pandemic hit in 2020. However, there is light at the end of the tunnel.  The immediate concern most of us have is how much more debt we are accumulating and how we can reduce our debt...
Insurance: Actual Cost vs Replacement Cost

Insurance: Actual Cost vs Replacement Cost

By Charlestien Harris Insurance plays a huge part in your financial wellbeing. Accidents will happen and storms will come, but one way you can avoid financial ruin is to have insurance. Insurance is a contract, represented by a policy, in which an individual or entity...
The Effect of a Loan Modification on Your Credit

The Effect of a Loan Modification on Your Credit

By Charlestien Harris This has been a very difficult year for many people when it comes to finances, especially for homeowners. Foreclosures and bankruptcies are two financial events that can have a really adverse effect on your credit. Trying to avoid both of those...
What You Need to Know About the New 2020 W-4 Form

What You Need to Know About the New 2020 W-4 Form

By Charlestien Harris You may not be aware, but the IRS Form W-4 has changed. A W-4 form provides information to your employer so that they can determine how much to withhold from your paychecks. This will ensure that the IRS collects federal income tax from you in an...