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...
4 min read
Kamel LoveJoy: Jul 17, 2025 5:00:00 AM
Lisa’s Guide to Turning a Tax ID into Real‑Life Possibilities “Lord, please help me understand money.” That’s the prayer 19‑year‑old Lisa whispers...
4 min read
Kamel LoveJoy: Jul 15, 2025 5:00:00 AM
Home Equity 101: A Quick, No-Jargon Refresher Home equity is the portion of your home you own rather than owe. Every mortgage payment you make and...
4 min read
Kamel LoveJoy: Jul 10, 2025 5:00:00 AM
Picture this: you’re scrolling a sneaker drop, the timer is ticking, and a pink button pops up—“Pay $30 today, then three more over six weeks.”...
