Founded in 2002 by now-retired US Bankruptcy Court Judge John C. Ninfo II, Credit Abuse Resistance Education (CARE) was created to teach high school and college students about the responsible use of credit and the consequences of credit card abuse. CARE's mission is to educate individuals, with a focus on young adults, on the responsible use of credit and the fundamentals of financial literacy, as well as the potential consequences of poor money management and credit abuse.
Personal Finance & Paying for College with Judge Kindred (U.S. Bankruptcy Court, Eastern District of Virginia) and Ellie Lo (CARE's 2020-21 Student Liaison)
In this episode, Ellie Lo, CARE’s 2020-21 Student Liaison and high school student, interviews Judge Kindred of the United States Bankruptcy Court, Eastern District of Virginia about personal finance, paying for college, and her own personal stories, experiences, and advice about how students should navigate financial decisions that will affect their future.
25 Feb 2021
Navigating the Student Loan Process: Paula Craw and Tom Bailey from ECMC
Navigating student loans is both a complicated and important process. In the latest episode of the Voices of CARE podcast, Paula and Tom from ECMC share their tips on how best to manage the financial aid process from completing the FAFSA to signing your award letter.
5 Nov 2020
The Story of Three Generations of Bankruptcy w/ Pam Simmons-Beasley (CARE South Carolina)
In the latest episode of Voices of CARE, Tammy Hettinger, CARE’s Executive Director, interviews Pamela Simmons-Beasley, a volunteer with the CARE South Carolina chapter and a Chapter 13 Trustee. Follow along as Pam talks about how she started volunteering with CARE and why she continues to volunteer, and shares a story about one of her cases from 2007 where she filed bankruptcy for the third generation in the same family.
Pam also addresses some of the things she hopes students walk away with after one of her presentations: develop and put a lot of focus on your emergency fund, as well as how to understand the difference between wants versus needs, and how to recognize and deal with them.
28 Oct 2020
Taking Charge of Your Finances
In this episode, Judge Ninfo moves beyond his Top 10 Personal Finance Tips and shares how you can take charge of your finances. Follow along as Judge Ninfo talks about the importance of financial security and how 8 of the top 14 stresses in life are money related. Learn more about how having a financial plan and sound financial habits are crucial in every person's life.
15 Sept 2020
Judge Ninfo's Top 10 Personal Finance Tips: #10 Make sure that you get the best value for every education dollar that you borrow or spend
In this episode, Judge Ninfo shares his tenth and final personal finance tip: Make sure that you get the best value for every education dollar that you borrow or spend. Follow along as Judge Ninfo talks about the importance of determining whether or not college is right for you. Learn more about how to be honest with yourself and "business-like" when looking at things like interest, aptitude, work ethic, and likely academic success.
9 Sept 2020
Judge Ninfo's Top 10 Personal Finance Tips: #9 The only good debt is debt that you can afford to repay and have a plan to repay
In this episode, Judge Ninfo shares his ninth personal finance tip: The only good debt is debt that you can afford to repay and have a plan to repay. Follow along as Judge Ninfo talks about the importance of determining affordability and having a realistic payment plan when you are in debt. Learn more about how to make sure you are not taken advantage of by individuals in the financial industry.
31 Aug 2020
Judge Ninfo's Top 10 Personal Finance Tips: #8 Don't make anticipated expenses false emergencies
In this episode, Judge Ninfo shares his eighth personal finance tip: Don't make anticipated expenses false emergencies. Follow along as Judge Ninfo talks about the difference between anticipated expenses and emergencies. Learn more about how to plan and save for anticipated expenses so that you are not forced to go into debt because of them.
26 Aug 2020
Judge Ninfo's Top 10 Personal Finance Tips: #7 Don't make wants, wishes, luxuries, and conveniences into false needs
In this episode, Judge Ninfo shares his seventh personal finance tip: Don't make wants, wishes, luxuries, and conveniences into false needs. Follow along as Judge Ninfo talks about the importance of distinguishing between wants and wishes and what you actually need. Learn more about how retailers and marketers have convinced us over time about how we "need" certain things that are not actual needs and can prevent us from saving for retirement and accomplishing our other financial goals.
24 Aug 2020
Judge Ninfo's Top 10 Personal Finance Tips: #6 Money matters
In this episode, Judge Ninfo shares his sixth personal finance tip: Money matters. Follow along as Judge Ninfo talks about the importance of building good money spending habits so that you get the best possible value for all of your hard earned money. Learn more about the difference between being cheap and being frugal and how you can you can change your spending behavior to make better choices with your money.
12 Aug 2020
Judge Ninfo's Top 10 Personal Finance Tips: #5 Save if you want to do priceless things and live richly
In this episode, Judge Ninfo shares his fifth personal finance tip: Save if you want to do priceless things and live richly. Follow along as Judge Ninfo talks about the reality of saving and how 40% of Americans don't even have $400 saved for an emergency. Learn more about why saving for things such as emergencies, anticipated expenses, and retirement are so important and gather tips that could help you start saving for your future.
6 Aug 2020
Judge Ninfo's Top 10 Personal Finance Tips: #4 You need a good credit history or there will be consequences
In this episode, Judge Ninfo shares his fourth personal finance tip: You need a good credit history or there will be consequences. Follow along as Judge Ninfo talks about why a good credit score and credit history are important and shares stories from the late 90's when credit cards were available to young people (18 and older) and bankruptcies among 18-24 were increasing over 90%. Learn more about your "financial report card" and how establishing a good credit score can help open doors to jobs, loans, rent options, etc.
30 Jul 2020
Judge Ninfo's Top 10 Personal Finance Tips: #3 Budget to control your spending or it will control you
In this episode, Judge Ninfo shares his third personal finance tip: Budget to control your spending or it will control you. Follow along as Judge Ninfo talks about “automatic spending pilot” and how to actively track and analyze your spending, make smart choices, and be financially responsible by using a budget. Learn how creating and using a budget will help you meet all your financial goals, while having what you need as well as some of your wants, wishes, luxuries, and conveniences without ending up in unaffordable debt.
28 Jul 2020
Judge Ninfo's Top 10 Personal Finance Tips: #2 Cash is king
In this episode, Judge Ninfo shares his second personal finance tip: Cash is king. Follow along as Judge Ninfo shares stories about why "cash is king" is so impactful and how a simple phrase can make a significant different in an individual's financial life. Learn why individuals who use cash for their spending make different and better spending decisions and ultimately end up spending less of their hard earned money.
24 Jul 2020
Judge Ninfo's Top 10 Personal Finance Tips: #1 Don’t use credit cards to buy “stuff” you can’t afford
CARE’s Founder Hon. John C. Ninfo II (Ret.) launches a new series on his Top Ten Personal Finance Tips on the Voices of CARE Podcast. We kick off the the series with Tip #1: “Don’t use your credit card to buy “stuff” you can’t afford.” Each episode will be short and focus on one easy to remember tip on managing your money.
During this podcast episode, Judge Ninfo shares his experiences working in the bankruptcy field and stories of individuals who get in over their head with debt. Through this new series, youth across the country have the opportunity to hear the advice Judge Ninfo has been giving youth in his community for the past twenty years.
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