| Title |
Excerpt |
Author |
Date |
Total Comments |
Recent Comment |
| Test
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Tracy |
07/30/10 |
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| Management Team
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Dr. Diane Chen, Founder, President and Chief Executive Officer Dr. Diane Chen, founder, president and CEO of CESI Debt Solutions, offers a vast knowledge of business and education services. At CESI, she is responsible for the Board of Directors and oversees all the operational functions of the company. Dr. Chen,… |
Tracy |
03/01/10 |
0 |
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| A Budget Freeze Preview: State of the Union Changes for 2010
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Rumors are circulating ahead of Obama’s State of the Union Address about a freeze on domestic spending. Many people question how this move will help continue the momentum the economy has made coming out of our recession. While historically government spending has helped the economy in rough times, this freeze… |
Tracy |
01/26/10 |
22 |
04/05/10 |
| The Real Face of Recovery
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I’ll admit that I’ve been skeptical about all the talk concerning economic recovery. My logic being that without employment and increase in consumption it is not only temporary but doomed to cause more problems – think debt and credit crisis all over again. That’s why I was very encouraged to… |
Tracy |
01/19/10 |
2 |
03/01/10 |
| A New Year, a New Approach for Financial Success
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A new year is just around the corner and like many Americans, I set New Year’s Resolutions for myself with the hope of making every year better than the last. For 2010 I would like to become more physically and financially fit. I plan to use very small goals and… |
Tracy |
12/29/09 |
3 |
08/11/10 |
| Fine Print Makes a Fine Mess
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Whether a glitch, human error, forgetfulness, or simple failure to read the fine print, the unemployed are about to take another hit. About one million people collecting unemployment will see their benefits end in January, despite measures taken to extend their benefits. Earlier this month record-long extensions were signed into… |
Tracy |
12/04/09 |
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| How’s the Economy? Look at Peanut Sales!
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More peanuts were processed for food over the past year than almost any other time recorded, despite a national salmonella outbreak. The Agriculture Department shows that peanuts processed for snacks (most of those heavily recalled during the outbreak) were down, but peanuts used for peanut butter set an all-time record… |
Tracy |
11/20/09 |
3 |
02/21/10 |
| The Higher Cost of Higher Learning
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We all know that the economy is in bad shape. Money is tight for businesses and individuals alike and everyone is feeling the need to cut back a little. Coupled with the dwindling prospects in the job market it’s more important now than ever for prospective employees to stand ahead… |
Tracy |
11/20/09 |
48 |
04/02/10 |
| Credit & Debt
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CREDIT There are several types of credits available such as: Service Credit: This refers to the monthly payments made towards utilities such as gas telephone, water and electricity. Usually, you pay a deposit to the service provider, utilize the services and then pay for them at the end of the month.… |
Tracy |
11/12/09 |
1 |
11/21/09 |
| Workshops & Seminars
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Workshops & Seminars Topics covered include (but are not limited to) Budgeting Credit and Debt Housing Education Identity Theft Retirement Planning Saving and Investing Credit Scores and Maintaining your credit Net Worth and Assets *We will gladly customize a workshop or class to meet the specific needs of your… |
Tracy |
11/12/09 |
0 |
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| Satisfied Customers
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The staff is amazing! Although I have not followed the financial education CESI provides, I feel that getting into this program has been the BEST decision I have made so far to help my financial situation. Initially, I was reluctant and scared to sign into the program (since there is a… |
Tracy |
11/12/09 |
0 |
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| Notice Of Privacy Statement
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The same rules apply to former customers as apply to current customers. When we use the terms “nonpublic personal information,” we mean personally identifiable information that is not publicly available, such as your name, address, phone number, social security number, credit score and credit history, and credit card information and… |
Tracy |
11/12/09 |
0 |
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| State Disclosures
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Maryland Residents The Commissioner of Financial Regulation for the State of Maryland will accept all questions or complaints from the Maryland residents regarding Consumer Education Services, Inc. License Number 14-24 at 500 N. Calvert Street, Room 402, Baltimore, MD 21202. Phone 1-888-784-0136. Arizona Residents Consumer Education Services, Inc. d/b/a CESI… |
Tracy |
11/12/09 |
0 |
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| Common Questions
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Q: How much does the debt management program cost? A: Normally, there is a one-time activation fee and a monthly service fee. These fees are included in your monthly payments, so you do not need to have money today to start your journey towards financial freedom. Please note that your… |
Tracy |
11/12/09 |
0 |
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| Recognition
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The Most Dependable Credit and Debt Professionals in the United States Goldline Research, an independent firm that evaluates organizations on behalf of the consumer, selected Consumer Education Services, Inc. for their 2008 Most Dependable Credit and Debt Professionals in the US. This honorable achievement was evaluated on several stringent criteria… |
Tracy |
11/12/09 |
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| Board of Directors
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Dr. Edward Erickson, Chairman of the Board Dr. Edward W. Erickson is Professor of Economics at North Carolina State University. Dr. Erickson is a teaching economist and researcher. He is widely published in scholarly journals such as the Bell Journal of Economics and Management Science, the Journal of Political Economy,… |
Tracy |
11/12/09 |
0 |
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| Careers
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CESI Career Center competitive salaries paid time off paid holidays company matching 401(K) plan company paid life and disability insurance We are located in Raleigh, North Carolina For current employment opportunities, please fax, email or mail resumes to CESI Human Resources Department. Mail: Attn: Human Resources Consumer Education Services, Inc 3801 Lake… |
Tracy |
11/12/09 |
0 |
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| Message From the CEO
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It’s hard to believe more than ten years have passed since we launched Consumer Education Services Inc. When we began as a small company in 1998, we offered something new to individuals and families who were weighed down by debt and needed a partner alongside them on their journey toward… |
Tracy |
11/12/09 |
0 |
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| News & Press
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July 2010 - August 2010 Fox Business.com: According to researchers there are six common themes to hidden expenses - gift expenditures, hidden credit card debt, loans to family and friends, concealed savings, wrong investment decisions and poor spending habits. Each of these add unwanted pressures to a relationship. Read the… |
Tracy |
11/12/09 |
0 |
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| Calculators
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FINANCIAL CALCULATORS We all need answers to real life financial questions - When to buy? When to sell? When to save? How much to save? Rent or buy? How much debt can you afford? The list goes on. Our Financial Calculators can help you make decision on matters ranging from… |
Tracy |
11/12/09 |
0 |
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| Social Services in your State
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SOCIAL RESOURCES To see the resouces offered in your area, click on your state. Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusettes Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New… |
Tracy |
11/12/09 |
0 |
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| Tools and Resources
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CESI RESOURCE LINKS CESIDebtSolutions.org is not responsible for the contents of the linked sites or any links contained within the sites themselves. We are providing these links as a convenience; the inclusion of any link does not imply endorsement of the site. Personal Finance Investment & Savings Credit & Debt Info… |
Tracy |
11/12/09 |
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| Keeping your Family Educated on Finances
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If each family member can be made to realize that it helps them satisfy their individual needs, it can help strengthen family bonds and lower stress levels. Without financial education, it may be very difficult to control expenses, and cater to the needs of the entire family within the available… |
Tracy |
11/12/09 |
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| 9 Quick Investing Tips
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You do not need a lot of money for investment; even a small amount invested on regular basis can return handsome rewards over the long term. However, in order to ensure good returns, you need to plan and develop a strategy. Strategizing will help you to get the maximum benefits… |
Tracy |
11/12/09 |
1 |
11/21/09 |
| Home Loan Resources
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APD Lending Services Mortgage brokers that save you time and money. Refinance, home loan, or investment loan, we can set you free. Brisbane based mortgage brokers making a difference. Home Equity Loans Rates, in depth articles and professional second mortgage advice. Find the lowest home equity loans rates and lenders.… |
Tracy |
11/12/09 |
0 |
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| What is a Reverse Mortgage?
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REVERSE MORTGAGES Recently I have been getting a good number of questions that usually begin with “just what is a reverse mortgage?” These questions come primarily from older people who are wondering if a reverse mortgage could be a source of income for them. Sometimes the question is raised by… |
Tracy |
11/12/09 |
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| Is a Reverse Mortgage Right for you?
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IS A REVERSE MORTGAGE RIGHT FOR YOU? They are also a viable method for paying for long-term-care insurance premiums, home health-care services, or domestic help. How do they work? With a traditional mortgage, the borrower sends payment checks to the lender. Conversely, with a reverse mortgage,… |
Tracy |
11/12/09 |
0 |
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| Homebuying Overview
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IS A REVERSE MORTGAGE RIGHT FOR YOU? They’re not for everyone. But for some, particularly seniors without investment income or savings, reverse mortgages (technically called “Home Equity Conversion Mortgages”) are becoming a popular way to borrow money. They are also a viable method for paying for long-term-care insurance premiums, home… |
Tracy |
11/12/09 |
0 |
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| What is the Federal Consolidation Loan Program?
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Commencement 2004 produced a new crop of graduates that are facing an improved job market and in many cases record high levels of debt from loans taken to finance their college expenses. This year’s graduates bring the total number of people helped through college by the Federal Student Loan… |
Tracy |
11/12/09 |
0 |
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| 4 Ways to Finance College
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Ah, May. The birds are singing, the flowers are blooming, and a whole new crop of high school seniors will throw their graduation caps in the air to the tune of “Pomp and Circumstance”. So, what’s the next step? For many of these young adults, they’ll head off to college… |
Tracy |
11/12/09 |
0 |
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| Changes in Federal Student Aid
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Reviewing some federal student aid figures, for the years from 1993 to 2004, released by the College Board, gives not one but two different pictures. At first glance the picture is of a student aid program that has grown in federal funding from thirty billion dollars to about eighty… |
Tracy |
11/12/09 |
0 |
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| Making Sure you Don’t Buy a Damaged Vehicle
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BUY USED VEHICLES WITH GREAT CARE NOW! Anyone who has watched even five minutes of the TV coverage of the damage done by hurricanes Katrina and Rita is aware of the thousands of cars, vans and SUVs and trucks that were underwater for some period of time. Some were… |
Tracy |
11/12/09 |
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| Should you Sell your Car on the Web?
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SHOULD YOU SELL YOUR CAR ON THE WEB? Should you sell it yourself or trade it in? If you sell it yourself, what’s the best way? According to the numbers, on-line listings of used cars were up 15% in February, confirming a trend that more and more sellers are… |
Tracy |
11/12/09 |
0 |
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| 12 Quick Money Saving Tips
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Many American families are burdened with the spiraling costs of living and resultant debts. According to The Federal Reserve, total U.S. consumer debt reached nearly 2.6 trillion dollars in 2008. [Source:http://www.federalreserve.gov Families and individuals need to take a good look at their situation and adopt measures to ensure that their money works… |
Tracy |
11/12/09 |
0 |
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| Financial Goal Setting
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Financial Goal Setting Each one of us has different aims in life such as; buying our own home, going on a world tour, financing children’s education etc. However, wishful thinking will not get you what you want, you need to stand up and take control of your finances. Figuring… |
Tracy |
11/12/09 |
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| The Single Smartest Idea in Personal Finance Planning
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A PENNY SAVED IS A PENNY EARNED In a recent discussion with a young man who had just received his first month’s salary as a design engineer and working on his personal budget, I was urging him to include an item for savings. As I often do, I quoted Benjamin… |
Tracy |
11/12/09 |
0 |
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| New Year’s Resolutions for your Personal Finances
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NEW YEAR’S RESOLUTIONS AND YOUR PERSONAL FINANCES I have just finished the task that was my most important resolution for the new year. It was one I make every year - to take the time to sit down and review the state of my personal finances. It is a… |
Tracy |
11/12/09 |
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| Saving Money: Why so many Americans aren’t
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Over the past 40 years, savings rates in the United States have declined significantly. The old rule of thumb was to save at least 10% of your salary into a “rainy day” fund. Now at the outset of the 21st century even this number is decreasing. Americans are saving, on… |
Tracy |
11/12/09 |
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| The Bottom Line is Discretionary Income
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In the article they recall that a generation, or 20 years ago, the average American monthly budget or cash flow carried fixed expenses for utilities, transportation and a mortgage payment. Now Americans pay an average of twelve bills a month that represent fixed expenses. Every increase in fixed expenses impacts… |
Tracy |
11/12/09 |
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| Money Management
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Whether it’s an auto loan, a student loan, a mortgage, or even unmanageable balances on credit cards, store cards or personal loans, a large percentage of people owe some amount of debt. When these debt amounts add up and you are not able to make your payments, that’s when problems… |
Tracy |
11/12/09 |
0 |
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| What is Debt Settlement?
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DEBT SETTLEMENT Consumer bankruptcy cases are expected to exceed 1 million in 2008! According to findings from the American Bankruptcy Institute, since 1996, consumer or personal cases have constituted at least 95% of the total annual bankruptcy filings. [Source:http://consumer.abiworld.org/] If you are considering filing bankruptcy and are concerned about… |
Tracy |
11/12/09 |
0 |
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| What is the Debt-to-Income Ratio?
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DEBT TO INCOME RATIO The first step most people take when considering buying a new asset is to analyze their existing financial situation. This means calculating all current expenses, including loan repayments, utility bills, medical bills and recreational expenses, to determine whether the new expense is affordable based on… |
Tracy |
11/12/09 |
0 |
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| Understanding Debt Terminology
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UNDERSTANDING DEBT TERMINOLOGY Any financial decision you make is accompanied with its own set of terminology. If you as a debtor know the terms associated with debt and its specific implications on your financial situation, you can make an informed decision on the type of loan or a debt… |
Tracy |
11/12/09 |
0 |
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| What is Unsecured Debt?
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UNSECURED DEBTS Money that is lent without the backing of any securities or collateral is referred to as unsecured debt. This is different from a secured loan in the sense that if the debtor does not make payments on time, the creditor cannot take away anything (property… |
Tracy |
11/12/09 |
0 |
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| What is Secured Debt?
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SECURED DEBT When a borrower gets a loan by pledging an asset as collateral, it is known as a secured debt. The asset pledged has some tangible value and could be a car, a boat, stock portfolio, a home, etc. The amount loaned out in a secured debt is usually… |
Tracy |
11/12/09 |
0 |
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| Understanding Credit Terminology
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UNDERSTANDING CREDIT TERMINOLOGY Creditors and bankers frequently use credit and banking terminology as part of the terms and conditions of the various products and services they offer. Making an accurate comparison of various loans and debt instruments is not possible without a clear understanding of credit… |
Tracy |
11/12/09 |
0 |
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| Applying for Credit
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APPLYING FOR CREDIT Credit cards, home mortgages, student loans, business loans and auto loans are various forms of credit. Every credit transaction commits us to repay the amount borrowed at a specified later date, most often with applicable interest depending on the credit terms. Creditors look at a… |
Tracy |
11/12/09 |
0 |
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| Debt Consolidation: Know your options before choosing
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Debt Consolidation: Know your options before choosing The decision to consolidate debt isn’t easy to make, but it is one option for individuals who may have multiple loans resulting in a difficult debt situation. What does is mean to consolidate debt? Although sometimes used interchangeably, a debt consolidation program and… |
Tracy |
11/12/09 |
0 |
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| Credit Card Debt Consolidation: A way to simplify your credit card debt chaos
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Credit Card Debt Consolidation: A way to simplify your credit card debt chaos Credit card debt consolidation is the process of combining all of your unsecured debts such as credit cards, retail cards or other personal loans into one monthly payment. This allows you to focus on paying off your… |
Tracy |
11/12/09 |
0 |
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| Debt Relief: There’s hope for your financial future
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Debt Relief: There’s hope for your financial future We urge you to consider calling CESI to start on the path towards debt relief. With our money management program, you’ll get debt solutions, learn how to stay out of debt and avoid bankruptcy. Debt help is available through CESI… |
Tracy |
11/12/09 |
0 |
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