America is drowning in debt. The average debt in America increased by $601 billion in the last quarter compared to the previous year. Mortgage debt rose by $120 billion. Student loan debt increased to $1.51 billion. Auto loans increased $16 billion. Credit card debt increased by $46 billion. A train … [Read more...] about The Debt Epidemic: Cure it Forever
West Yavapai Guidance Clinic
How Service Dogs Help People with Disabilities
Service animals, as defined by Title II and Title III of the American Disabilities Act (ADA), are defined as dogs that are individually trained to do work or perform tasks for people with disabilities. This disability can include a physical, sensory, psychiatric, intellectual or other mental … [Read more...] about How Service Dogs Help People with Disabilities
Making ‘Brain Change’ a New Year’s Resolution
The start of a new year often inspires a flurry of resolutions related to things we plan to change or improve. Many people jump on the fitness wagon and sign up for a gym membership to help them shed the holiday pounds. Others resolve to tackle debt or save money. Some people resolve to change jobs … [Read more...] about Making ‘Brain Change’ a New Year’s Resolution
Coping with the Holiday Blues
Many of us may approach the holiday season with pleasure. It is, however, often a difficult and stressful time, too. The pandemic is making it necessary to miss some treasured holiday traditions. We are cautioned to avoid travel and to only gather with people in our “bubble.” Many families in our … [Read more...] about Coping with the Holiday Blues
Considerations for Dealing with Debt
When you consolidate your debt, there is the possibility that you could lower your interest rate. The payments may be lowered and there will be only one payment to make instead of numerous payments. When you consolidate into one loan, you most likely will be extending the time to repay. When you … [Read more...] about Considerations for Dealing with Debt
How to Have a Very Merry Christmas Without the January Hangover
Every year, many folks head out for Christmas shopping and do not have a plan. They whip out old faithful, their Visa or MasterCard or some other preferred credit card, and spend like drunken sailors. Then, January comes. The credit card company sends you a delayed Christmas card with a price … [Read more...] about How to Have a Very Merry Christmas Without the January Hangover
Living in an Ambivert World
Have you seen the jokes on social media about the different ways the COVID-19 virus is affecting extroverts vs. introverts? The jokes say that introverts have been socially distancing before it was cool to social distance, 2020 is the Year of the Introvert, and introverts no longer need to feel … [Read more...] about Living in an Ambivert World
Identifying Seven Traits of Millionaires
When you want to achieve something, often, the best course of action is to do what the experts do. Find out what the best practice is and follow it. There are many traits of millionaires. I have chosen seven, as they are a bit broader in nature. Millionaires tend to: 1. Get Up Early Ben Franklin … [Read more...] about Identifying Seven Traits of Millionaires
Supporting Those Feeling Isolation, Loneliness
We have an increasing population of older adults moving to the Quad Cities area to enjoy all it has to offer. Being healthy and active and able to travel can ease the sense of loss of family and friends who may live some distance away. Most older adults are able to enjoy this independence into older … [Read more...] about Supporting Those Feeling Isolation, Loneliness
Helping Your Child Calm Down
You may be noticing more challenging behaviors from your child during this pandemic. You might even notice your tolerance level dropping low because of your own stressors. You are only human, after all! Managing your own worries, fears and stress is challenging enough, but then throwing your child’s … [Read more...] about Helping Your Child Calm Down
