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About Allen Francis

Allen Francis was an academic advisor, librarian, and college adjunct for many years with no money, no financial literacy, and no responsibility when he had money. To him, the phrase “personal finance,” contains the power that anyone has to grow their own wealth. Allen is an advocate of best personal financial practices including focusing on your needs instead of your wants, asking for help when you need it, saving and investing in your own small business.

New Job Opportunities for the New Year? 3 Things You Must Ask in an Interview

By |December 21st, 2021|Categories: General Personal Finance, Personal Finance Tips|Tags: |

Did you know that 80% of people who make a New Year resolution fail to keep it? If your New Year's resolution is to get a new job, I want you to keep it. We live in an era where Americans are taking their own destinies into their hands. Millions of Americans have quit their jobs every month for seven

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What Percent of Your Credit Limit Should You Only Use?

By |December 14th, 2021|Categories: General Personal Finance, Personal Finance Tips|Tags: |

Since I have been traveling abroad, it's hard for me to sometimes recognize the home country I left behind. And since the pandemic began, recognizing the home I know from afar has been harder than ever. Millions of Americans were struggling to get by financially before the pandemic, but now Americans are struggling with credit card debt. So, what percent

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Things in Your House You Can Sell Right Now

By |November 23rd, 2021|Categories: Blog, General Personal Finance, Personal Finance Tips|

Americans are more stressed about their financial security and financial futures than ever before. According to a recent CreditWise and Capital One survey, over 73% of Americans are constantly stressed about their finances. Worrying about money was the number stress factor in the lives of most Americans. And worrying about politics, work, and family came in at second, third, and

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What Else Can Be Negotiated Aside From Salary?

By |November 9th, 2021|Categories: General Personal Finance, Life|Tags: |

Have you ever heard of the “Great Resignation?” Americans are abruptly quitting their jobs in mass droves and numbers not seen in over 20 years. In August 2021, over 4.3 million Americans quit their jobs. And this was not a one-month phenomenon – Americans have begun quitting their jobs in droves since 2021 began. Why? Many Americans are quitting to

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Have Life Insurance? Then Avoid Life Settlement Policies

By |October 19th, 2021|Categories: Life, Personal Finance Tips|

The thing about life insurance is that it's better to have it and need it than to need it and not have it. And it seems that about one out of every two Americans understands that point. A study by the Insurance Information Institute shows that about 54% of Americans had a life insurance policy in 2020. There are many

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How Long Does a Dental Bridge Last?

By |October 6th, 2021|Categories: Personal Finance Tips|

Take care of your teeth and your teeth will always take care of you. But reality can get in the way. We tend to lose out teeth as we age. Bad sleeping postures and chewing habits can cause teeth to drift or chewing imbalances. And just slacking off on dental hygiene habits for a few weeks can cause serious problems.

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