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Before Cosigning a Loan, Know the Risks

By Jason Alderman Shakespeare probably said it best: “Neither a borrower, nor a lender be, for loan oft loses both itself and friend.” Four hundred years later, people still wrestle with whether or not to help out a loved one by loaning them money or cosigning a loan. Perhaps you want to help your kid qualify for a better student loan rate, or assist your widowed mom with refinancing her …Read More

NFCC Announces Housing Client of the Year

By Mark Foster Working for a nonprofit is a very rewarding experience; making a difference in people’s lives every day. Nonprofit Credit Counseling of Arkansas (CCOA), a member of the NFCC, made a positive difference in Linda Burton’s life. Linda, a 78-year-old widow, was recently named the NFCC’s Housing Client of the Year at the annual NFCC conference in Seattle. Five and a half years ago, the Springdale, AR resident …Read More

The Do-It-All Roth IRA

By Gary Silverman Occasionally I counsel younger couples about finances. They share a problem with most of my older clients: They can’t do it all. There’s just not enough money in the budget (and perhaps on Earth) for everything they want to do. However, often with a younger couple it’s not so much that they can’t do it all—it’s more like they can’t do any of it fully. Think of …Read More

Novadebt Changes Name to Navicore Solutions

By Drew Kessler Novadebt, a leader in the field of nonprofit financial counseling and a member of the National Foundation for Credit Counseling, recently announced the organization will begin operating under a new trade name effective October 31st and will be known as Navicore Solutions. “Navicore Solutions reflects the expansion of our service portfolio of compassionate counseling solutions and clearly conveys our mission of helping people navigate life’s challenges, which is at …Read More

NFCC Honors Achievements in Financial Literacy

By Gail Cunningham The NFCC was pleased to honor five individuals with the prestigious Making the Difference Award at our recent conference held in Seattle, WA September 28-October 1. The award recognizes individuals who have made significant contributions to assisting consumers with financial literacy, awareness and education. The following distinguished and deserving leaders were honored with a 2014 Making the Difference Award: Kevin Rhein, senior executive vice president, chief information …Read More

Parents: You Have to Talk Money Before You can Teach Money

By Neale Godrey President Obama proclaimed this past April to be National Financial Capability Month, commonly referred to as National Financial Literacy Month and said “…we renew our drive to give all Americans the tools to navigate the financial world and gain the economic freedom to pursue their own measure of happiness.” This goal may be hindered because many of us were brought up with the idea that there were two …Read More

What Does a Working Kitchen Need?

By Donna Freedman A blog post over at Get Rich Slowly asks readers which cooking utensils/equipment they couldn’t live without. “In the kitchen: When less is more” posits that plenty of the things marketed as necessities end up as just so much culinary clutter. “How much do you need to have a working kitchen?” asks writer Lisa Aberle. Good question. My comment on the post became pretty lengthy – so lengthy, …Read More

NFCC Honors Clients of the Year at Annual Leaders Conference

By Gail Cunningham Not many people would say that accumulating $38,000 in credit card debt was one of the best things that ever happened to them. Nonetheless, that’s how the NFCC’s 2014 PACE Clients of the Year, Jonathan and Hope Unverzagt, sum up their experience. The Unverzagts were honored with the prestigious award during the NFCC’s recent conference in Seattle, WA. It was a happy ending with a rocky beginning. The …Read More

The Ins and Outs of 529 College Savings Plans

By Jason Alderman For many people, their biggest expenses in life are funding retirement, buying a home, and paying for their children’s college education – or a portion of it, anyway. Setting aside money for these and other financial goals is difficult, especially when you’re trying to save for them all simultaneously and from a young age. Let’s tackle saving for college. As with any long-term savings goal, the earlier …Read More

NFCC Distributes Thousands of Free Financial Education Resource Tools

By Gail Cunningham During the first year of  NFCC’s Sharpen Your Financial Focus(TM) program, more than 18,000 12-month memberships to Experian’s freecreditscore.com product were distributed to consumers at no cost to them. Program participants are eligible to receive the free 12-month membership to the freecreditscore.com product through a generous donation from Experian in support of financial education. The freecreditscore.com financial resource complements the skills learned through the Sharpen Your Financial Focus program. …Read More