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Conquering Personal Debt. J. Peters & Associates, Inc. Jerry Peters 651-645-7558 Employee Assistance Programs. Financial Facts. 6.4 percent of payments on bank-issued credit cards were late last year, a 20-year high
Personal Debt Mangement. Business 219. Agenda. Thumb Rules for consumer credit Signs of dangerous debt Strategies Getting out of credit card trouble Managing normal debt. General Rules of Credit Capacity. Debt Payments-to-Income Ratio. monthly comsumer credit payments *.
FINANCIAL LITERACY Debt Management. Financial Literacy 101. Why is Financial Literacy Important?. Americans owe more debt on their student loans than they do on their credit cards. Americans spend more than they earn, the time to save is now.
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Almost every Canadian household has some form of debt or another. And while taking on debt has become a part of Canadian life, it’s important to have a thorough understanding of your debt situation, and where it is taking you. Many of us have debt products thrown at us (every month I get blank cheques in the mail from credit card companies telling me to spend, spend, spend!) and knowing what to do takes education and discipline.
PERSONAL FINANCIAL PLANNING. When Should You Start?. M. Piczak January 2006. WHY A PERSONAL FINANCIAL PLAN?. As an employer, no one else does it for you Need retirement income