Caraballo & Associates

The Problem With Credit Counseling Agencies (Part 1)

These companies have been around for years making promises of lower credit card payments, frozen interest rates, shorter pay-off schedules, etc. etc.
These programs seem like a no-brainer for the person that is having trouble with their monthly credit obligations. Those of us that have had hardships and those of us that basically just let our [...]

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Financial Irresponsibility Can Be Expensive

I recently had a run-in with the law. I was stopped by a police officer for speeding.
(I could end the lesson right here by telling you that if you stop speeding you can save yourself possibly hundreds if not thousands of dollars per year and be perfectly justified.)

Lower pollution
Less chance of accidents
Less wear and tear [...]

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