Caraballo & Associates

Passing Success on to The Next Generation

We all play many roles in our lives, mother, fathers, students, teachers, etc. etc. So many roles that sometimes they tend to get away from us. For me one of these important roles is of an uncle. If you read my dedication post to my sisters, you know that I have two sisters. They have [...]

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One Item a Day…At Least

With so many roles that we tend to play in this day and age, it seems increasingly difficult to find the time to work on our short-term and long term goals. It seems more and more like we end up working on what we HAVE to instead on what we WANT to work on. If [...]

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Do You Have Too Much on Your Plate Or Your Mind?

Does it seem that there are not enough hours in the day for you to do everything you want to get done? Do you ever reach the end of your day feeling exhausted and while you are reviewing your day, you find out that you got almost nothing done? How can this happen? You are [...]

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The Biggest Problems with Credit Counseling Agencies (Part 3)

The next problem I have found with most of these programs is the issue of due dates. Based on your monthly ritual of paying bills, you already have a really good understanding of due dates. Every credit card you have has a different due date and maybe even different grace periods. This is one reason [...]

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A Dedication to My Sisters

As the eldest of three siblings, I have had the opportunity to observe and proudly take part in the growth and maturing of two special women. These women are my sisters. I have yet to feel comfortable with calling them women as I still remember them as little girls trying to find their way in [...]

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Should I Accept My Loan Modification…Part 1

This will be a series of posts where I share with you a step-by-step account of what I am seeing, hearing and doing while I attempt my loan modification. Because of my background in mortgages and finance, I know some of the question to ask. So as we go along I am going to add areas of concern or advice on what I think should be done at certain points.

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Mayonnaise Jar & Two Beers…

When things in your life seem almost too much to handle, when 24 hours in a day are not enough, remember the mayonnaise jar and the 2 Beers.

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