Caraballo & Associates

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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The Biggest Problems with Credit Counseling Agencies (Part 2)

Now that we know what these programs are, let’s get into the deeper, scarier issues. The first real issue I have found with these types of companies is an issue of responsibility. You are giving money to a third party on a monthly basis in order for that third party to make your (hopefully adjusted) [...]

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How I Tame the Tribe Syndication “Monster” with Google Reader!

My “tribe” is getting larger these days and it is becoming increasingly difficult to keep up with all the blogs and posts that are out there. I believe I found the perfect tool for the job. It’s Google Reader! In this first video, I share a few of the features that I most like about [...]

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Forget Your Why…Begin With Your Purpose!

I recently read a post by a tribe member friend of mine, Mr. Paul Miller. The post was essentially asking How big You “why” was. Which you will undoubtedly run into if you study personal development for any length of time. It is a very important part of becoming a high-producing, high-achieving individual. His post, [...]

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The Importance of Blogging in Today’s Society

I recently had an experience that convinced me that what I am doing here, with my blog and my message could potentially be very important. I attended a training/seminar that had to do with customer service in the field of employment services. It was an interesting, day-long seminar lead by a woman who had obviously [...]

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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 [...]

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The “Not So” Obvious Benefits of Joining a Social Media Tribe!

I am sure you have all heard the words by now Tribe,  Social Media Tribe,  Tribe Syndication Group the list goes on and on. If you have not, then here is a quick explanation. The idea of joining and working with a tribe is based on the simple concept of mastermind groups you may remember [...]

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