Author Archives: Andrew Bernstein


Middle of the Night Blues

In the last presidential election, much was made about the so called “3:00 am phone call” referring to emergencies that might come up in the middle of the night and how the president would handle them. I can tell you … Continue reading

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Free Credit Report

As I present Financial Literacy Awareness Seminars in South Florida, one of the topics is “How to Obtain Your Free Credit Report.” Almost everyone present at each seminar shouts out a few different answers, based on what they have seen … Continue reading

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Strategies for Personal & Business Success

Think back to when you started your business, your first day on a job or some event that led you to a measure of success. Say your name with that feeling. This is who you are or can be!

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STOP..Breath..Live

The first thing to remember in life is that you will know when the actual end of the world comes. There will be trumpets, angels, demons and a whole bunch of disarray, or so we’re told. The second thing to … Continue reading

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Barriers to Financial Well-Being

Having been a professional credit counselor and financial literacy instructor for nearly 20 years, I have noted several patterns that can be considered barriers to financial well-being. These patterns can affect all elements of the population, no matter how much … Continue reading

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Managing Your Money

This feature will touch upon three major factors in money management. The first factor is establishing a realistic monthly spending plan, also known as a budget. Why do you need a budget? A budget can assist you in identifying wasteful … Continue reading

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