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    Category: Credit & Debt

    3 Steps to Stay Out of Debt

    Credit card debt is a major problem. The average American household has $15,270 in credit card debt. The average interest rate for a credit card…

    Dr. Maria James February 13, 2014

    Important Tasks After Financial Hardship or Bankruptcy

    Some of you have asked so let’s talk about it. No matter how much your income, whether it’s $30,000 or $200,000, you have likely experienced…

    Dr. Maria James January 15, 2014

    Avoiding More Debt During the Holidays

    Over 80% of Americans have debt: mortgages, car loans, credit card loans etc. You likely fall in that number and you likely want to pay…

    Dr. Maria James October 31, 2013

    Moving Towards Financial Success.

    In our society, money is necessary. Whether it’s something that you need or want, you need money to get it. In order to have shelter…

    Dr. Maria James September 25, 2013

    4 Simple Tips to Raise Your Credit Score.

    The past two weeks we discussed what credit is, how you build it, what is a credit score, and what affects your credit score. Now…

    Dr. Maria James August 22, 2013

    Credit and credit scores explained. Part 2.

    What is a good credit score? Last week, we talked about what credit is and what is a good way to use it. Basically any…

    Dr. Maria James August 14, 2013

    What is a good credit score? Credit and credit scores explained. Part 1.

    If you’ve ever borrowed money you started a credit history from which your credit score is based. Most of us got that first credit card…

    Dr. Maria James August 6, 2013

    3 Steps to Paying Back Your Student Loans Faster

    I mentioned my guest article published on Bobby Finance a few weeks ago and received a few questions about it so I’m posting it here…

    Dr. Maria James June 25, 2013

    Good Debt vs. Bad Debt. Why you should get rid of it all.

    Is there really such a thing as good debt? You’ve probably heard the terms good debt and bad debt, but what do they really mean?…

    Dr. Maria James June 18, 2013
    • Part 6: Navigating Employee Financial Stress – Shareholder Pressure Increases
      Chapter 6: Shareholder Pressure Increases Before you start, have you read the previous chapters? Chapter 1: The First Signs of Trouble Chapter 2: A Tough Meeting with Leadership Chapter 3: A Heart-to-Heart with Employees Chapter 4: A Personal Reflection Chapter 5: The Breaking Point – A Key Employee Resigns The conference room was tense. The…
    • Part 5: Navigating Employee Financial Stress – The Breaking Point
      Chapter 5: The Breaking Point – A Key Employee Resigns Before you start, have you read the previous chapters? Chapter 1: The First Signs of Trouble Chapter 2: A Tough Meeting with Leadership Chapter 3: A Heart-to-Heart with Employees Chapter 4: A Personal Reflection I barely looked up when I heard the knock on my…
    • Part 4: Navigating Employee Financial Stress – A Personal Reflection
      Chapter 4: A Personal Reflection Before you start, have you read the previous chapters? Chapter 1: The First Signs of Trouble Chapter 2: A Tough Meeting with Leadership Chapter 3: A Heart-to-Heart with Employees The office was quiet, the hum of the HVAC system the only sound as I sat at my desk, staring at…
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