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5 min read
Kamel LoveJoy: Sep 18, 2025 5:00:00 AM
Quick compare: A Traditional 401(k) lowers your taxable income today and you pay taxes in retirement. A Roth 401(k) uses after-tax money today and...
4 min read
Kamel LoveJoy: Sep 16, 2025 5:00:00 AM
You are at the grocery checkout. Bags are packed, your kid is asking about snacks, and your card says “declined.” Most of the time it is not a bad...
6 min read
Kamel LoveJoy: Sep 11, 2025 5:00:00 AM
Buying a home can feel out of reach when saving a big down payment is hard. Private Mortgage Insurance, or PMI, can help you move in sooner with less...
9 min read
Kamel LoveJoy: Aug 26, 2025 5:00:00 AM
If your credit is less than perfect and you need a car, you are not alone. Life happens. Maybe a medical bill went to collections or a job gap made...
6 min read
Kamel LoveJoy: Aug 21, 2025 5:00:00 AM
Identity theft is scary, but your choices do not have to be. Two of the strongest tools you can use are a credit freeze and a credit lock. These...
4 min read
Kamel LoveJoy: Aug 19, 2025 5:00:00 AM
Refinancing can lower your monthly payment, reduce total interest, and make your budget feel calmer. You keep the car you already have and swap your...
3 min read
Kamel LoveJoy: Aug 12, 2025 5:00:00 AM
Donna never pictured herself drafting formal documents. She was the friendly face at the Rochester gym who lost 70 pounds and filled Instagram with...
5 min read
Kamel LoveJoy: Aug 5, 2025 5:00:00 AM
Ever had a shower-thought you just know could turn into the next big thing—but two seconds later the “What if I mess this up?” voice kicks in? You’re...
6 min read
Kamel LoveJoy: Jul 29, 2025 5:27:38 AM
Picture this: you’re grabbing snacks after school, and the cashier asks, “Credit or debit?” Both cards look alike, but they pull money from very...
4 min read
Kamel LoveJoy: Jul 22, 2025 5:00:00 AM
Back in the late ’70s, when Abuela Carmela first arrived in Texas without the residency papers banks demanded, she tucked every hard‑earned dollar...
