Joyce Odongo

Board Member Spotlight – Joyce Odongo

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We are pleased to introduce you to one of our outstanding board members, Joyce Odongo! Joyce is the Florida Community Development Officer for Bank OZK, a large regional bank concentrated in the southern U.S., with more than 200 branches in five…

Affordable Summer Fun

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Every summer brings the challenge of trying to cram as much fun into two months as possible without depleting your bank account.  Summer of 2021 promises to be much better than 2020 as CDC guidelines are relaxed and traditional events and activities…

Board Member Spotlight – Laurie Benner

We'd like to introduce to one of our amazing Board Members, Laurie Benner! As Associate Vice President of Programs for the National Fair Housing Alliance (NFHA), Laurie Benner is responsible for developing, implementing, managing, and evaluating…

Spring Cleaning and Financial Health

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As the weather warms up, the days get longer, and with COVID-19 vaccination continuing to ramp up nationwide, most of us are starting to feel a sense of relief. We are spending more time outside reconnecting with friends and families, caring…

Rental Eviction Prevention During the COVID-19 Pandemic

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We are facing extraordinary challenges during the COVID-19 pandemic.  Unemployment rates are high and a partial or complete loss of income for many Americans is leading people into financial crisis.  For those who have had a sudden loss in…

Understand the Federal Tax Deferral before it’s too Late

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If you are a federal employee or member of the military, the 6.2% social security tax withholding on your regular paycheck is currently on a mandatory deferral until January 2021 if your taxable wages are below a certain threshold; $4,000 per…

Positivity in a Pandemic

The news, social media and likely your phone calls with friends lately have been filled with doom and gloom.  COVID-19 has changed our lives. For many people, the changes have not been welcome or enjoyable and are far from over.  There will…

Budgeting in a Crisis

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We are a few months into the COVID-19 pandemic and the effects are being felt hard by Americans, especially financially.  While states are starting to lift restrictions, the economy will not automatically bounce back.  We need to prepare to…

Beware of COVID-19 Related Scams

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It seems that overnight our world has turned completely upside down.  As quickly as we all started working from home, social distancing and hoarding toilet paper, scammers and hackers created new ways to try to take advantage of us during this…

Teaching and Entertaining Your Kids During Social Distancing

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Social Distancing is hard for everyone and those with kids at home really know how long it can take for an hour to go by.  Since the COVID-19 crisis, many great resources for entertaining children at home have popped up.  From virtual field…

Supporting your Community during Social Distancing

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As social distancing becomes more intense, our communities are suffering financially.  Individuals are losing their jobs on a short-term basis and small businesses are working harder than ever to keep their operations going.  While we all…

Lifestyle Choices to Ensure Long-Term Financial Security

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Building financial security is all about finding that balance between planning for the future and living a comfortable lifestyle today. It’s never too late to turn your financial health around and the more committed to a healthy financial…

Online Financial Scams to Avoid

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Technology has made everyone’s lives easier, including criminals. From identity theft to online scams, every year, criminals find new ways to use technology and the internet to commit fraudulent acts. These acts are designed to separate you…

Why Join a Workshop or Webinar with CCCSMD?

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At CCCSMD, our goal is to help you overcome financial hurdles by teaching you how to manage income, credit, and debt. By teaching our clients how to do this on their own, we know you’ll prosper independently with the skills you need to succeed. With…

Budgeting for Travel in Retirement

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Retirement means entering a phase of life where you get to do things you love and have longed to do, like travel. Retirement means an end to the 9-5 grind, but it’s also an end to steady paychecks. This means relying on your savings, pension,…