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Screenshot of the Consumer Financial Protection Bureau's "Submit a Complaint" webpage, featuring categories for bank account or service, credit card, credit reporting, money transfer, mortgage, student loan, and vehicle or consumer loan complaints.

What is the Consumer Financial Protection Bureau (CFPB)?

Personal Finance / / , , , /

The Consumer Financial Protection Bureau (CFPB) was developed by the U.S. Government to protect consumers against fraud and tricks from credit card companies, banks and other financial institutions. The CFPB acts as a regulator of all consumer financial service providers, which includes online banks, credit card issuers, payday loan providers and other lenders. Today, all […]

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new rules credit scores

New Rules You Must Know About Credit Scores

Credit Scores / / /

The world of credit reports and credit scores is constantly changing. And even though it’s tough to stay on top of all the new credit-related rules and regulations, it’s important to do so. For 2011 and beyond, here are some of the most important things you need to know about protecting and improving your credit

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Lynnette Khalfani-Cox

The 7-Step Millionaire Success Formula

1 Comment / Personal Finance / / , , /

The 7-step “Millionaire Success Formula” is based on the universal wealth principles one must follow in order to eliminate financial obstacles, and achieve substantial, long-lasting riches. Make a personal prosperity plan. Develop a millionaire’s budget; written goals; and a financial policy statement Realize that financial success doesn’t happen by luck Invest first, last and always

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A woman with long dark hair, wearing a white shirt and gray sweater, smiles at the camera. The background is outdoors with blurred foliage.

Don’t Just Dream, Execute By Setting Goals

Personal Finance / / , , , /

Too many people have millionaire dreams but no millionaire plans. Well, you can’t become a millionaire just by dreaming, wanting or wishing for wealth. You have to lay out a plan, and you have to execute in order to fulfill the goals within that plan. As you’re developing the framework for your millionaire’s budget, now

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A wooden gavel rests on a stack of papers, some labeled "FINAL DEMAND" in red text, with mentions of garnished wages subtly visible among them.

What to Do If Your Wages or Unemployment Benefits Are Garnished

Debt / / , , , , , /

What to Do If Your Wages or Unemployment Benefits Are Garnished: Wage garnishment can add extra stress when you’re already financially overwhelmed—especially if you’re unemployed and counting on every dollar to make ends meet. If you’ve fallen behind on debt, creditors may legally seek repayment by garnishing your income. But you still have rights—and knowing

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Bankruptcy answers

What If I Change My Mind After Filing Bankruptcy?

Bankruptcy / / , /

Thousands of Americans file for Chapter 7 and Chapter 13 bankruptcy each year, a move that allows them to discharge all debts and get a fresh start. But what happens if you file for bankruptcy and then change your mind? Maybe you’ve found a way to pay off your outstanding debt or are willing to

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scam alert

How To Avoid Timeshare Telemarketing Scams

Scams / / , /

The Lee County Sheriff’s Office is warning residents to be aware of potential scammers targeting owners of timeshare properties. The scammers make unsolicited calls to current timeshare owners with  promises of financial profit, and claim to be able to get owners out of their timeshare contracts by paying up-front fees, ranging from $200 to $8,000.

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A two-story house is seen with a prominent "Foreclosure" sign above a "Home For Sale" sign in the front yard.

How Will a Foreclosure Affect My Credit Score?

Credit Scores / / /

If you’re facing foreclosure, you may be wondering how this will affect your credit score. Missing payments on your mortgage and other bills may have already dropped your credit score by several points, and when you reach foreclosure status, you will notice a significant drop in your credit rating. If you’ve been struggling financially for

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Image of a book titled "The Money Coach's Guide to Your First Million" by Lynnette Khalfani-Cox, featuring the subtitle: "7 Smart Habits to Building the Wealth of Your Dreams" and a portrait of the esteemed millionaire author.

No Get Rich Quick Schemes to Becoming A Millionaire

Personal Finance / / , , , /

Some of you may be saying: “Can’t I just do one thing to become a millionaire?” Well, I wish it were that simple. But the reality is that you have to take a multi-pronged approach in order to gain lasting material comfort and wealth. Just taking one or two steps – or even four or

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emergency fund

How Is An Emergency Fund Different From A Rainy Day Fund

Family Finances / / , /

In a recent interview I explain the difference between a rainy day fund and an emergency fund. I also share 6 tips to help jump start your rainy day fund. A rainy day fund is designed to cover one-time events without blowing your monthly budget. For example, $500 set aside just in case the sump

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A person holding a pen is about to fill out a W-4 tax form, which is used for determining the amount of federal income tax withheld from a paycheck to potentially increase my take home pay.

How Can I Increase My Take Home Pay By Adjusting My W-4 Withholding

Taxes / / , , /

Q: In your book Zero Debt you say we should NOT get a refund check.  I live for that check to help with tuition, home repairs, etc.  I am a single parent of one, making about $100,000.  What should I be changing my W-4 to so that I don’t have to owe the IRS?  I

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A stone with the words "Forgive and Forget" engraved on it, placed among other rocks, serves as a poignant reminder of letting go, much like student loan forgiveness brings a fresh start.

Where Can I Get a List of Companies that Offer Student Loan Forgiveness?

Student Loans / / /

One of the quickest ways to eliminate your student loans is to pursue a career that will pay off your student loans for you. Loan forgiveness programs are typically extended to those who enter a career in military service, volunteer work, teaching, the legal and medical fields, and several other service-oriented professions. If you are

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