Elaine Hiro

Maximizing the Tax Benefits of Charitable Contributions

Giving money to charity is an incredible act of compassion and selflessness. It is a tangible way to support individuals and organizations in need. In the United States, charitable contributions have raised nearly $250 billion, a large proportion of which has come... read more

Avoid This Single Greatest Retirement Mistake

Saving for retirement is a cornerstone of planning for your financial future. After all, for most people, there comes a point where they will stop working and will therefore need to depend on money that they have set aside over their lifetime to carry them through... read more

A College Degree Versus Student Debt – Is It Worth It?

People all around the country are struggling with the burden of student debt, and with collective student loan debt at an all-time high, many people are asking themselves: is this really worth it? On one hand, there is value in a college education, especially when it... read more

Comparing Pensions and 401(k)s

Nowadays, many employers offer employees access to retirement plans. These plans are an important component when it comes to employees planning for their financial futures. The two main types of retirement plans include defined benefit plans and defined contribution... read more

The Case For Avoiding Pay For Delete Agreements

Many people struggle with high debt balances and, as a result, have collections accounts listed on their credit reports. These collections accounts will typically lower your credit score, the magnitude of which depends on many different factors. People often want easy... read more

Choosing A Credit Counseling Agency – All You Need To Know

Many people struggle with high debt balances, and this has only been more of a challenge with the COVID-19 pandemic. Individuals and families around the country are drowning in debt and struggling to find a way out. As a result, many are turning to professional... read more

Cosigning A Loan – All You Need To Know

When it comes to borrowing money, having good credit is an absolute must. But many people do not, so they must pursue alternative options when they want to take out a loan. One way to do this to have someone else cosign a loan. While this may seem of little... read more

Understanding the Proposed $15 Federal Minimum Wage

One of the most hotly contested policy issues in recent years has been around the proposed increase to the federal minimum wage. Currently, the wage is set at $7.25 per hour and has not increased since 2009, but there has been a push to raise this to a $15 federal... read more

Getting Refunds on Student Loan Payments Made During COVID-19

The COVID-19 pandemic has had deep financial effects on people worldwide. The COVID-19 Emergency Relief program was designed in part to help relieve at least some of the financial burden on Americans. While many people have probably heard about the stimulus checks or... read more

Feeling Overwhelmed, Strategies To Help

Many people can probably relate to the fact that life can be crazy sometimes. When managing our time at work, our time with family, time with friends, and everything in between, it can feel like the list of things to do and places to go is just completely... read more

Everything You Need To Know About Passive Income

Many people these days are looking for ways to earn more money and improve their financial stability. A great way to do this is through passive income, which is steady income that requires minimal day-to-day labor to earn. Oftentimes, it involves upfront investment of... read more

The Latest Status on Additional COVID-19 Stimulus Measures

Many Americans have and are continuing to struggle financially as a result of the COVID-19 pandemic. The federal government has provided stimulus payments and other emergency relief measures to help individuals in need, but many are still struggling. As a result,... read more

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By providing your information, you consent and request to be contacted by CreditGuard and/or our member(s) to your phone, cell phone, email, text/SMS, and through the use of pre-recorded messages and automated dialing technology at the number(s) listed above even if your number provided on the form above is on a State, National or Corporate Do Not Call List. You are not required to purchase any goods and/or services. Standard carrier and messaging rates will apply.

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Also See…

For more information on debt consolidation, please visit:

Why Choose CreditGuard? Learn what sets our debt consolidation services apart from the rest and how we can help you take control of your debt.

The Ultimate Debt Survival Guide. Need some practical advice for dealing with debt? You’ve come to the right place. This free downloadable guide can teach you the basics of managing debt (and more).

Is Debt Settlement a Good Idea? Debt settlement and debt consolidation are not the same. Learn more about the process (and consequences) of settling your debts before going down that path.