Finding a Bankruptcy Lawyer
Many lawyers specialize in certain areas, and some have a better reputation than others.
Consolidating your credit cards requires good credit
Finding the right type of interest rate is just as crucial as the rate's actual percentage.
Unsecured Versus Secured Credit Cards
Despite the collateral, secured cards carry high fees. Still, they are easier to obtain than unsecured cards.
One Monthly Payment or Bills, Bills, Bills
Bill consolidation programs are essentially loans that are provided to help pay off existing bills.
Lowering Your Monthly Mortgage Payment
How to do so temporarily.
Mortgages rates at an all time low
Now may be a good time to get a new mortgage or refinance an existing one.
Low fee payday loans still have sky high rates
They still have a much higher rate than typical loans.
What Your Credit Score Really Means
Although your credit score is not what defines you as a person, it can most likely be what defines you as a borrower. Lenders use credit scores to predict repayment rates based on past performance.
Applying for New Credit
Applying for an account can hurt you in the short term and help in the long term.
Federal Help with Credit Card Debt
If you are in debt or struggling financially, the federal government does have some programs that may assist you, though not in the form you might think.

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Laura Gutmann


Laura-Gutmann-1.jpgLaura Gutmann is currently a PhD student in Education at the University of North Carolina-Chapel Hill. As part of her studies, she hopes to focus on creating better resources and training materials for teachers.

Previously, she worked as the Vice President of Programs for Junior Achievement of New York. She was responsible for reaching 95,000 K-12 students per year with financial literacy, workforce readiness, and entrepreneurship programming. Her team organized events for schools across the five boroughs of New York City, facilitating positive relationships between classrooms and the community. Ms. Gutmann has extensive experience building curriculum focused on life skills, and has partnered with dozens of corporations to train their employees to become volunteer role models.

Ms. Gutmann also created resources for both students and educators during her time as a kindergarten teacher in the South Bronx. She first entered the classroom through the Teach for America corps, and went on to receive her M.S. Ed. in Early Childhood from Bank Street College. She has developed web resources, professional development sessions, and parent workshops, and served as a graduate-level writing tutor and resume coach.

Before becoming a teacher, Ms. Gutmann studied Public Policy at Duke University, where she received her B.A. in 2002. She worked in Durham Public Schools as a reading tutor and photography teacher. She also spent time doing research for the American Federation of Teachers, and served as a consultant for the Wake Education Partnership.

Ms. Gutmann currently resides in Chapel Hill with her husband and her dog, a poodle named Noodle.