Credit






According to the American Research Group in store shoppers are expected to spend an average of $929 for Christmas gifts in 2016.  Online consumers are expected to spend an average of $1,342.  Forbes reports that 63% of Americans have under $500 saved, however.  Nearly two-thirds of Americans cannot afford to […]

Reducing Holiday $tress



By Roslyn Lash It’s easy to spend more than you planned when buying a car. The nicer, more expensive cars are generally parked prominently on the showroom floor, while the average, more affordable cars are less visible. Once you see those shiny cars, it’s easy to become so excited that […]

How to Buy a Car



Low mortgage interest rates have created a great opportunity for many homeowners to refinance their mortgages, resulting in lower monthly payments or extra cash to pay off debts. But what about people who have low credit scores and may have trouble qualifying for a new loan? We asked Roslyn Lash, […]

Options for Homeowners with Bad Credit


  Youth Smart Financial Education Services is a financial education and coaching program primarily for youth and millennials. There are two focuses: To help schools, churches, businesses, and non-profit organizations provide financial education to their young clients. Providing coaching sessions to young adults, commonly referred to as Millennials or Gen Y’s, to help them take control of […]

An Entrepreneur’s Passion