Money Matters 2022

Deciding what will happen to the money in your accounts should you unexpectedly pass away is vital to your financial plan. With the holiday season right around the corner, now’s the perfect time to get a handle on any outstanding credit card balances. You have a valuable opportunity to super-charge your retirement savings while managing your income tax liability. Building wealth and achieving financial freedom stem from your ability to save money. Buckle up and enjoy a few savvy tips that will help save you money and steer you toward an excellent car-buying experience.

• A free, engaging, and noncommercial financial education program offered as a public service by Wells Fargo.
• FPP believes in the power of entertainment used to help others learn (Walt Disney called it “edutainment”).
• Your credit, debt burden and borrowing power are also money management tools and can impact your financial health.
• While eliminating debt can often feel impossible, many are surprised to learn they have more control over the situation than they believe.
• Well-prepared estate plans can bring you peace of mind now and reduce your family’s stress later on.
• Tune in to learn the Ins and Outs of mortgage preparation from a licensed Loan Originator.

Between the festive atmosphere and being in the giving spirit, it’s easy to get carried away. However, with a bit of preparation, you can make the day fun and memorable. Whether it’s traveling the world, relaxing on the coast, or spending time with grandchildren, everyone dreams about retiring one day. To help improve your financial situation, you might consider reducing your debt.

Time For a Debt Checkup? Have high rate, high payment loans elsewhere?

Keeping your financial accounts safe in today’s digital world is a growing challenge. In this article, we’ll share some tips to help you reach the elite status of an 800-plus credit score. The following guide will highlight strategies to build your credit score and tips to keep your score favorable. Join CCCSMD to learn about Fair Housing laws and how to file a complaint if you feel your rights have been violated. We will review a brief history of the Fair Housing Act, talk about what is prohibited and list the protected classes.

• So, please join us on May 30th, in Disney Springs, for an open and robust conversation about the prioritization of community needs and the steps required to realize Bank On Florida’s goal of financial inclusion for all.
• The following suggestions explain how to effectively use your tax refund based on your current life stage.
• Keeping your insurance in force can help save on insurance costs in the long run, but your financial history and credit can also influence whether you qualify for insurance with some companies and the cost of that insurance.
• Regardless of what is happening in the world around you, there are times when you simply need a new car.
• Topics to include financial preparation/expectations; the importance of a REALTOR®; and the Homebuying process from A – Z.

There are moves you can make to begin building your savings and eliminate the stress of the paycheck-to-paycheck lifestyle. Four popular phishing scams guaranteed to land in your email inbox and tips on how to avoid becoming a victim. Get the latest information on new services, current promotions and other news with our quarterly Your Money newsletter. Before highlighting the best ways to use home equity loans, it’s helpful, to begin with the basics. It’s more important than ever to educate your family members about online safety and how to avoid becoming a victim of the latest scam. Get the latest information on new services, current promotions and other news with our monthly News & Notes newsletter.

Common Retirement Mistakes to Avoid

One of the most significant ways to free up extra money is by reviewing your current loans. An emergency fund can help protect your financial health in the event the unexpected happens. These tips will help parents teach children of all ages how to save more, manage their money, and grow their savings effectively.

Participants learn the specifics around the Fair Housing Act Laws that protect the disabled; the difference between reasonable accommodations and modifications; how to request them, and how discrimination is defined. There are many ways that you can put your money to work for you to grow your portfolio, prepare for retirement, or both. From Avoiding fraud & scams to Banking and Budgeting, to Loans and Interest, we’ve got the A, B, Cs of finance covered.

Federal Student Loan Repayment Postponed for Sixth Time

Participants of this workshop are introduced to the importance of credit and what impacts it has, a brief synopsis about each credit score range and how they are viewed by lenders. It also reviews how each portion of your Keys to Budgeting Part 1: Three Major Types of Expenses – CCCSMD credit report is weighed differently, how long certain derogatory actions remain on the credit report and how to dispute inaccuracies. Participants will also hear how to best protect their identity against scammers.

• Participants will get clear next steps for completing these documents and what to include in their plans.
• The Credit Union’s GAP protection fee is typically much lower than the dealers.
• Here are some steps you should take to ensure a good experience when buying a vehicle from a private seller.
• In this article, we’ll share some tips to help you reach the elite status of an 800-plus credit score.
• How skipping loan payments work and the impact it can have on your loan and wallet.
• There are a number of approaches to help determine how much life insurance you should have.

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Influencing Trusted Business Behavior by Trust Across America/Trust Around the World. Roy Reid helps leaders and organizations improve their performance, outcomes, and wellbeing by improving their relationships, beginning with themselves, through the transformational power of trust. Arrive at B Resort & Spa and find yourself in the middle of the magic in Orlando.

Fraudsters and scam artists have begun to prey on vulnerable borrowers by posing as legitimate debt relief companies, promising to help them repay their loans. Workshop topics include the eviction process & causes, different types of eviction notices, impacts & ways to prevent eviction, discrimination & fair housing. Join CCCSMD, a HUD-approved housing counseling agency, for our live 6-hour virtually-delivered 1st Time Homebuyers Workshop. The workshop covers all the elements of the home buying process from financial preparation and credit review to mortgage financing and closing. Learn the basics of digital assets including cryptocurrencies, how to spot common frauds and scams, where to report them, and where to find resources that will help protect your money. Participants learn the different types of foreclosures and how to avoid them; what retention and non-retention options are available; the terminology used; specific programs to help borrowers at risk and what scams to be aware of.

Participants will get clear next steps for completing these documents and what to include in their plans. Participants of this workshop learn how to handle their finances in unstable times, the importance of counseling and the effects of financial hardships. We also discuss crisis budgeting, share relevant statistics and review debt relief options as well as their individual impacts. Similar to fixed expenses, we have little control over periodic expenses but where fixed expenses typically recur on the same date every month, periodic ones are what I call “expected surprise” expenses.