LitWiki - User contributions [en]

Progress Report

2004-11-11T23:50:51Z

Felissa Howard:

Enter weekly progress reports here
Hello my name is Miaona Jones.

To the coordinators Amy & Jefferson,
Week of Nov. 9&11- Group A--Mark, Mary, & Shirmelia--the interview group started and completed the following pages:Collection Agency, Bankruptcy, & Debt Management.

To Amy & Jefferson:
I obtained information from a website called youngmoney.com., but this site is not just for the young. This site informs college students how to stick to a budget, how to avoid debt, and how to get out of debt.

To Amy & Jefferson & Ryan
I obtained the following information during my research thus far:

(1) Figure out how much you owe.
(2) Keep the two credit cards with the lowest rates.
(3) If you don't have a credit card with a interest rate of 14% or lower, get one.
(4) Make a honest effort to refrain from using your cards over the next six months.
(5) Add up your mimimum monthly payments.
(6) Calculate how much you can pay over the minimum amount.
(7) Apply all of your additional repayments to the card with the highest rates.
(8) Consolidate your debt.
(9) Pay the mimimum on your lowest rate cards.
(10) Consider using your savings to get out of debt.
(11) Consider Bankruptcy.
(12) Consider Debt Consolidation.
(13) Consider Debt Counseling.

Progress Report

2004-11-11T23:49:09Z

Felissa Howard:

Enter weekly progress reports here
Hello my name is Miaona Jones.

To the coordinators Amy & Jefferson,
Week of Nov. 9&11- Group A--Mark, Mary, & Shirmelia--the interview group started and completed the following pages:Collection Agency, Bankruptcy, & Debt Management.

To Amy & Jefferson:
I obtained information from a website called youngmoney.com., but this site is not just for the young. This site informs college students how to stick to a budget, how to avoid debt, and how to get out of debt.

To Amy & Jefferson & Ryan
I obtained the following information during my research thus far:

(1) Figure out how much you owe.
(2) Keep the two credit cards with the lowest rates.
(3) If you don't have a credit card with a interest rate of 14% or lower, get one.
(4) Make a honest effort to refrain from using your cards over the next six months.
(5) Add up your mimimum montly payments.
(6) Calculate how much you can pay over the mimimum amount.
(7) Apply all of your additional repayments to the card with the highest rates.
(8) Consolidate your debt.
(9) Pay the mimimum on your lowest rate cards.
(10) Consider using your savings to get out of debt.
(11) Consider Bankruptcy.
(12) Consider Debt Consolidation.
(13) Consider Debt Counseling.

Debt Relief:Bibliography

2004-11-10T00:23:14Z

Felissa Howard: /* Self Help */

This is currently a working bibliography. Please be consistent; when in doubt, follow the format of what is already posted. All print resources should use [[What is MLA documentation style? | MLA Documentation Style]].

== Web Resources ==
=== Articles ===
* [http://www.ezinearticles.com/?Dont-Wait-For-The-Perfect-Situation-To-Pay-Down-Your-Debt&id=4895/ Don't Wait For The Perfect Situation To Pay Down Your Debt] - Article that encompasses why procrastination can lead to larger problems when dealing with debt.

''These articles were taken from Galileo and also of the Proquest link in that same site. They deal with how to eliminate debt, laws regarding nonprofit financial-counseling companies, and other forms of credit management.''

Hayes, Richard M. "Overoptimism and Overborrowing" Brigham Young University Law Review.Provo:2004.Vol.2004,Iss.1;pg.127,42pgs
http://proquest.umi.com/pqdweb?index=4&TS=1099961626&sid=37srchmode=1&vinst=...

Jean, Chatzy & Bigda, Carolyn. "Weapons Of Mass Debt Destruction" Money; Sep. 2004, Vol.33 Issue 9, p57, 1p, 1c
http://web30.epnet.com/citation.asp?tb=
1&_ug=sid+4EAA7F82%2D0382%D4557%2D9363%2DF57B...

Jean, Chatzy. "Which Debts Do You Attack First?" Money; Nov. 2004, Vol.33 Issue 11, p71, 1p, 1c
http://web30.epnet.com/citation.asp?tb=1&_ug=sid+4EAA7F82%2D0382%D4557%2D9363%2DF57B...

Shean, Tom. "Virginia Bill Would Allow Debt Counselors To RAise Fees" Knight Ridder Tribune Business News.Washington:Mar 1,2004. pg.1
http://proquest.umi.com/pqbweb?index=3&did=000000566566991&SrchMode=1&sid=3...

=== Blogs ===
* [http://finance.baylor.edu/weblogs/garven/ Jim Garven’s Blog] — A blog exploring the intersection of risk management, insurance, and finance.

=== Self Help ===
* [http://www.debtattack.com/ Debt Attack] - Extensive information on good and bad debt and ways to get out of debt.
* [http://www.debtsteps.com/ Debt Steps] — Comprehensive reviews to help you protect your financial future.
* [http://www.sorted.org.nz/managing-debt/ Managing Debt] — Learn what debt means for your overall financial situation and how you can control debt, and avoid it controlling you.
* [http://www.ftc.gov/bcp/conline/pubs/credit/repair.htm Credit Repair: Self-Help May Be Best] — Only time, a conscious effort, and a personal debt repayment plan will improve your credit report.
*[http://consumer-debt-consolidation.com/ Debt Consolidation Help]- Consolidate your debt into one payment.
* [http://money.cnn.com/pf/101/lessons/9/index.html/ Controlling Debt] - CNN and Money Magazine break down the top things to know about debt.
* [http://www.usaweekend.com/99_issues/990822/990822finance.html/ Good debt vs. bad] - USA Weekend Magazine establishes some borrowing guidelines to avoid bad debt.
*[http://promise.ecol.net/finance/bankrupt.htm Bankruptcy and Restructuring Debt] - Gives advice on the advantages and disadvantages of bankrutcy and restructuring debt.
*[http://creditinfocenter.com/debt/settle_debts.shtml/ Settling Debts] - Learn ways to settle debts including dealing with creditors
*[http://creditinfocenter.com/loans/studentloans.shtml/ Student Loans] - Find info on student loans from different types to advice on when you default on your loan.
*[http://www.pueblo.gsa.gov/cic_text/money/credit-record/t_crrecord.htm/Building A Better Credit Record]-Gives information on consumer reporting agencies, ways of improving and dealing with debt, and avoiding scams from agencies who provide help in solving debt.
*[http://www.pueblo.gsa.gov/cic_text/money/managing-debt/mangdebt.htm/ Managing Your Debts: How to Regain Financial Health]-Provides you with some remedies for your relationships with creditors, reducing your debts,and helping you manage your money.
*[http://www.edebtfree.org/ccc.htm/ Credit Counseling]-Provides you with information on credit counseling.
*[http://www.edebtfree.org/consolidation.htm Debt consolidation loans]-Provides you with information on debt consolidation.
*[http://www.debtsteps.com/consolidat-debts.html Should you consolidate your debts?]-Provides you with information on choosing between borrowing money to pay off your debt or consulting a consumer credit counseling service

=== Statistics ===
* [http://www.ezinearticles.com/?The-Effects-of-Consumer-Debt&id=5211/ Effects of Consumer Debt] - Statistical information on debt and how it affects the average consumer.

== Print Resources ==
=== Articles ===
* Allen, Mary and Chantal Vaillancourt. “Class of 2000: Student Loans.” ''Canadian Social Trends'' 74 (2004): 18.
* Rowland, Mary. "Good Credit gone Bad?" NEA Today Jan 1998, vol. 16 Issue 5, p38.
*Sandberg, Erica. "The Value of Financial Planning and Debt Reduction Services for Employees and Employers". Employee Benefits Journal 12 (2002): Vol. 27 Issue 4, p37.
=== Books ===
* McNaughton, Debra. ''All About Credit''. Chicago: Dearborn, 1999.
* Hammond, Bob. "Life Without Debt". New Jersey: Career Press, 1995.
* Leonard, Attorney Robin. "Bankruptcy". Berkley: Nolo Press, 1998.

----

[[Debt Relief]]

Debt Relief:Bibliography

2004-11-10T00:19:10Z

Felissa Howard: /* Self Help */

This is currently a working bibliography. Please be consistent; when in doubt, follow the format of what is already posted. All print resources should use [[What is MLA documentation style? | MLA Documentation Style]].

== Web Resources ==
=== Articles ===
Wilding, David."Don't Wait For The Perfect Situation To Pay Down Your Debt" 28 October 2004. 7 November 2004 http://www.ezinearticles.com/?Dont-Wait-For-The-Perfect-Situation-To-Pay-Down-Your-Debt&id=4895

''These articles were taken from Galileo and also of the Proquest link in that same site. They deal with how to eliminate debt, laws regarding nonprofit financial-counseling companies, and other forms of credit management.''

Hayes, Richard M. "Overoptimism and Overborrowing" Brigham Young University Law Review.Provo:2004.Vol.2004,Iss.1;pg.127,42pgs
http://proquest.umi.com/pqdweb?index=4&TS=1099961626&sid=37srchmode=1&vinst=...

Jean, Chatzy & Bigda, Carolyn. "Weapons Of Mass Debt Destruction" Money; Sep. 2004, Vol.33 Issue 9, p57, 1p, 1c
http://web30.epnet.com/citation.asp?tb=
1&_ug=sid+4EAA7F82%2D0382%D4557%2D9363%2DF57B...

Jean, Chatzy. "Which Debts Do You Attack First?" Money; Nov. 2004, Vol.33 Issue 11, p71, 1p, 1c
http://web30.epnet.com/citation.asp?tb=1&_ug=sid+4EAA7F82%2D0382%D4557%2D9363%2DF57B...

Shean, Tom. "Virginia Bill Would Allow Debt Counselors To RAise Fees" Knight Ridder Tribune Business News.Washington:Mar 1,2004. pg.1
http://proquest.umi.com/pqbweb?index=3&did=000000566566991&SrchMode=1&sid=3...

Sandberg, Erica. “The Value of Financial Planning and Debt Reduction Services for Employees and Employers”. Employee Benefits Journal 12 (2002): Vol. 27 Issue 4. EBSCOhost. 9 Nov. 2004. GALILEO <www.galileo.usg.edu>.

The article links financial stability with job function. Erica Sandberg discusses the importance of both, the employees and the employers, as being involved in financial planning and debt reduction for the sake of positive job function. Finally, the qualities of a certified financial planner are discussed.

=== Blogs ===
* [http://finance.baylor.edu/weblogs/garven/ Jim Garven’s Blog] — A blog exploring the intersection of risk management, insurance, and finance.

=== Self Help ===
* [http://www.debtsteps.com/ Debt Steps] — Comprehensive reviews to help you protect your financial future.
* [http://www.sorted.org.nz/managing-debt/ Managing Debt] — Learn what debt means for your overall financial situation and how you can control debt, and avoid it controlling you.
* [http://www.ftc.gov/bcp/conline/pubs/credit/repair.htm Credit Repair: Self-Help May Be Best] — Only time, a conscious effort, and a personal debt repayment plan will improve your credit report.
*[http://consumer-debt-consolidation.com/ Debt Consolidation Help]- Consolidate your debt into one payment.
* [http://money.cnn.com/pf/101/lessons/9/index.html/ Controlling Debt] - CNN and Money Magazine break down the top things to know about debt.
* [http://www.usaweekend.com/99_issues/990822/990822finance.html/ Good debt vs. bad] - USA Weekend Magazine establishes some borrowing guidelines to avoid bad debt.
*[http://promise.ecol.net/finance/bankrupt.htm Bankruptcy and Restructuring Debt] - Gives advice on the advantages and disadvantages of bankrutcy and restructuring debt.
*[http://creditinfocenter.com/debt/settle_debts.shtml/ Settling Debts] - Learn ways to settle debts including dealing with creditors
*[http://creditinfocenter.com/loans/studentloans.shtml/ Student Loans] - Find info on student loans from different types to advice on when you default on your loan.
*[http://www.pueblo.gsa.gov/cic_text/money/credit-record/t_crrecord.htm/Building A Better Credit Record]-Gives information on consumer reporting agencies, ways of improving and dealing with debt, and avoiding scams from agencies who provide help in solving debt.
*[http://www.pueblo.gsa.gov/cic_text/money/managing-debt/mangdebt.htm/ Managing Your Debts: How to Regain Financial Health]-Provides you with some remedies for your relationships with creditors, reducing your debts,and helping you manage your money.
*[http://www.edebtfree.org/ccc.htm/ Credit Counseling]-Provides you with information on credit counseling.
*[http://www.edebtfree.org/consolidation.htm Debt consolidation loans]-Provides you with information on debt consolidation.
*[http://www.bankruptcy.findlaw.com/bankruptcy/debt options/bankruptcy .html Bankruptcy]-Provides you with information on bankruptcy.

=== Statistics ===
* [http://www.ezinearticles.com/?The-Effects-of-Consumer-Debt&id=5211/ Effects of Consumer Debt]Effects of Consumer Debt - Statistical information on debt and how it affects the average consumer.

== Print Resources ==
=== Articles ===
* Allen, Mary and Chantal Vaillancourt. “Class of 2000: Student Loans.” ''Canadian Social Trends'' 74 (2004): 18.
* Rowland, Mary. "Good Credit gone Bad?" NEA Today Jan 1998, vol. 16 Issue 5, p38.

=== Books ===
* McNaughton, Debra. ''All About Credit''. Chicago: Dearborn, 1999.
* Hammond, Bob. "Life Without Debt". New Jersey: Career Press, 1995.
* Leonard, Attorney Robin. "Bankruptcy". Berkley: Nolo Press, 1998.

----

[[Debt Relief]]

Debt Relief:Bibliography

2004-11-10T00:18:24Z

Felissa Howard: /* Self Help */

This is currently a working bibliography. Please be consistent; when in doubt, follow the format of what is already posted. All print resources should use [[What is MLA documentation style? | MLA Documentation Style]].

== Web Resources ==
=== Articles ===
Wilding, David."Don't Wait For The Perfect Situation To Pay Down Your Debt" 28 October 2004. 7 November 2004 http://www.ezinearticles.com/?Dont-Wait-For-The-Perfect-Situation-To-Pay-Down-Your-Debt&id=4895

''These articles were taken from Galileo and also of the Proquest link in that same site. They deal with how to eliminate debt, laws regarding nonprofit financial-counseling companies, and other forms of credit management.''

Hayes, Richard M. "Overoptimism and Overborrowing" Brigham Young University Law Review.Provo:2004.Vol.2004,Iss.1;pg.127,42pgs
http://proquest.umi.com/pqdweb?index=4&TS=1099961626&sid=37srchmode=1&vinst=...

Jean, Chatzy & Bigda, Carolyn. "Weapons Of Mass Debt Destruction" Money; Sep. 2004, Vol.33 Issue 9, p57, 1p, 1c
http://web30.epnet.com/citation.asp?tb=
1&_ug=sid+4EAA7F82%2D0382%D4557%2D9363%2DF57B...

Jean, Chatzy. "Which Debts Do You Attack First?" Money; Nov. 2004, Vol.33 Issue 11, p71, 1p, 1c
http://web30.epnet.com/citation.asp?tb=1&_ug=sid+4EAA7F82%2D0382%D4557%2D9363%2DF57B...

Shean, Tom. "Virginia Bill Would Allow Debt Counselors To RAise Fees" Knight Ridder Tribune Business News.Washington:Mar 1,2004. pg.1
http://proquest.umi.com/pqbweb?index=3&did=000000566566991&SrchMode=1&sid=3...

Sandberg, Erica. “The Value of Financial Planning and Debt Reduction Services for Employees and Employers”. Employee Benefits Journal 12 (2002): Vol. 27 Issue 4. EBSCOhost. 9 Nov. 2004. GALILEO <www.galileo.usg.edu>.

The article links financial stability with job function. Erica Sandberg discusses the importance of both, the employees and the employers, as being involved in financial planning and debt reduction for the sake of positive job function. Finally, the qualities of a certified financial planner are discussed.

=== Blogs ===
* [http://finance.baylor.edu/weblogs/garven/ Jim Garven’s Blog] — A blog exploring the intersection of risk management, insurance, and finance.

=== Self Help ===
* [http://www.debtsteps.com/ Debt Steps] — Comprehensive reviews to help you protect your financial future.
* [http://www.sorted.org.nz/managing-debt/ Managing Debt] — Learn what debt means for your overall financial situation and how you can control debt, and avoid it controlling you.
* [http://www.ftc.gov/bcp/conline/pubs/credit/repair.htm Credit Repair: Self-Help May Be Best] — Only time, a conscious effort, and a personal debt repayment plan will improve your credit report.
*[http://consumer-debt-consolidation.com/ Debt Consolidation Help]- Consolidate your debt into one payment.
* [http://money.cnn.com/pf/101/lessons/9/index.html/ Controlling Debt] - CNN and Money Magazine break down the top things to know about debt.
* [http://www.usaweekend.com/99_issues/990822/990822finance.html/ Good debt vs. bad] - USA Weekend Magazine establishes some borrowing guidelines to avoid bad debt.
*[http://promise.ecol.net/finance/bankrupt.htm Bankruptcy and Restructuring Debt] - Gives advice on the advantages and disadvantages of bankrutcy and restructuring debt.
*[http://creditinfocenter.com/debt/settle_debts.shtml/ Settling Debts] - Learn ways to settle debts including dealing with creditors
*[http://creditinfocenter.com/loans/studentloans.shtml/ Student Loans] - Find info on student loans from different types to advice on when you default on your loan.
*[http://www.pueblo.gsa.gov/cic_text/money/credit-record/t_crrecord.htm/Building A Better Credit Record]-Gives information on consumer reporting agencies, ways of improving and dealing with debt, and avoiding scams from agencies who provide help in solving debt.
*[http://www.pueblo.gsa.gov/cic_text/money/managing-debt/mangdebt.htm/ Managing Your Debts: How to Regain Financial Health]-Provides you with some remedies for your relationships with creditors, reducing your debts,and helping you manage your money.
*[http://www.edebtfree.org/ccc.htm/ Credit Counseling]-Provides you with information on credit counseling.
*[http://www.edebtfree.org/consolidation.htm Debt consolidation loans]-Provides you with information on debt consolidation.
*[http://www.bankruptcy.findlaw.com/bankruptcy/debt options/bankruptcy overview overview.html Bankruptcy]-Provides you with information on bankruptcy.

=== Statistics ===
* [http://www.ezinearticles.com/?The-Effects-of-Consumer-Debt&id=5211/ Effects of Consumer Debt]Effects of Consumer Debt - Statistical information on debt and how it affects the average consumer.

== Print Resources ==
=== Articles ===
* Allen, Mary and Chantal Vaillancourt. “Class of 2000: Student Loans.” ''Canadian Social Trends'' 74 (2004): 18.
* Rowland, Mary. "Good Credit gone Bad?" NEA Today Jan 1998, vol. 16 Issue 5, p38.

=== Books ===
* McNaughton, Debra. ''All About Credit''. Chicago: Dearborn, 1999.
* Hammond, Bob. "Life Without Debt". New Jersey: Career Press, 1995.
* Leonard, Attorney Robin. "Bankruptcy". Berkley: Nolo Press, 1998.

----

[[Debt Relief]]

Debt Relief:Bibliography

2004-11-09T23:50:45Z

Felissa Howard: /* Self Help */

This is currently a working bibliography. Please be consistent; when in doubt, follow the format of what is already posted. All print resources should use [[What is MLA documentation style? | MLA Documentation Style]].

== Web Resources ==
=== Articles ===

Bullimore, Nicola. "The Effects of Consumer Debt" 04 November 2004. 7 November 2004 http://www.ezinearticles.com/?The-Effects-of-Consumer-Debt&id=5211

Wilding, David."Don't Wait For The Perfect Situation To Pay Down Your Debt" 28 October 2004. 7 November 2004 http://www.ezinearticles.com/?Dont-Wait-For-The-Perfect-Situation-To-Pay-Down-Your-Debt&id=4895

''These articles were taken from Galileo and also of the Proquest link in that same site. They deal with how to eliminate debt, laws regarding nonprofit financial-counseling companies, and other forms of credit management.''

Hayes, Richard M. "Overoptimism and Overborrowing" Brigham Young University Law Review.Provo:2004.Vol.2004,Iss.1;pg.127,42pgs
http://proquest.umi.com/pqdweb?index=4&TS=1099961626&sid=37srchmode=1&vinst=...

Jean, Chatzy & Bigda, Carolyn. "Weapons Of Mass Debt Destruction" Money; Sep. 2004, Vol.33 Issue 9, p57, 1p, 1c
http://web30.epnet.com/citation.asp?tb=
1&_ug=sid+4EAA7F82%2D0382%D4557%2D9363%2DF57B...

Jean, Chatzy. "Which Debts Do You Attack First?" Money; Nov. 2004, Vol.33 Issue 11, p71, 1p, 1c
http://web30.epnet.com/citation.asp?tb=1&_ug=sid+4EAA7F82%2D0382%D4557%2D9363%2DF57B...

Shean, Tom. "Virginia Bill Would Allow Debt Counselors To RAise Fees" Knight Ridder Tribune Business News.Washington:Mar 1,2004. pg.1
http://proquest.umi.com/pqbweb?index=3&did=000000566566991&SrchMode=1&sid=3...

Sandberg, Erica. “The Value of Financial Planning and Debt Reduction Services for Employees and Employers”. Employee Benefits Journal 12 (2002): Vol. 27 Issue 4. EBSCOhost. 9 Nov. 2004. GALILEO <www.galileo.usg.edu>.

The article links financial stability with job function. Erica Sandberg discusses the importance of both, the employees and the employers, as being involved in financial planning and debt reduction for the sake of positive job function. Finally, the qualities of a certified financial planner are discussed.

=== Blogs ===
* [http://finance.baylor.edu/weblogs/garven/ Jim Garven’s Blog] — A blog exploring the intersection of risk management, insurance, and finance.

=== Self Help ===
* [http://www.debtsteps.com/ Debt Steps] — Comprehensive reviews to help you protect your financial future.
* [http://www.sorted.org.nz/managing-debt/ Managing Debt] — Learn what debt means for your overall financial situation and how you can control debt, and avoid it controlling you.
* [http://www.ftc.gov/bcp/conline/pubs/credit/repair.htm Credit Repair: Self-Help May Be Best] — Only time, a conscious effort, and a personal debt repayment plan will improve your credit report.
*[http://consumer-debt-consolidation.com/ Debt Consolidation Help]- Consolidate your debt into one payment.
* [http://money.cnn.com/pf/101/lessons/9/index.html/ Controlling Debt] - CNN and Money Magazine break down the top things to know about debt.
* [http://www.usaweekend.com/99_issues/990822/990822finance.html/ Good debt vs. bad] - USA Weekend Magazine establishes some borrowing guidelines to avoid bad debt.
*[http://promise.ecol.net/finance/bankrupt.htm Bankruptcy and Restructuring Debt] - Gives advice on the advantages and disadvantages of bankrutcy and restructuring debt.
*[http://creditinfocenter.com/debt/settle_debts.shtml/ Settling Debts] - Learn ways to settle debts including dealing with creditors
*[http://creditinfocenter.com/loans/studentloans.shtml/ Student Loans] - Find info on student loans from different types to advice on when you default on your loan.
*[http://www.pueblo.gsa.gov/cic_text/money/credit-record/t_crrecord.htm/Building A Better Credit Record]-Gives information on consumer reporting agencies, ways of improving and dealing with debt, and avoiding scams from agencies who provide help in solving debt.
*[http://www.pueblo.gsa.gov/cic_text/money/managing-debt/mangdebt.htm/ Managing Your Debts: How to Regain Financial Health]-Provides you with some remedies for your relationships with creditors, reducing your debts,and helping you manage your money.
*[http://www.edebtfree.org/ccc.htm]-Provides you with information on credit counseling.
*[http://www.edebtfree.org/consolidation.htm]-Provides you with information on debt consolidation.
*[http://www.bankruptcy.findlaw.com/bankruptcy/debt options/bnkruptcy overview overview.html]-Provides you with information on bankruptcy.

=== Statistics ===

== Print Resources ==
=== Articles ===
* Allen, Mary and Chantal Vaillancourt. “Class of 2000: Student Loans.” ''Canadian Social Trends'' 74 (2004): 18.
* Rowland, Mary. "Good Credit gone Bad?" NEA Today Jan 1998, vol. 16 Issue 5, p38.

=== Books ===
* McNaughton, Debra. ''All About Credit''. Chicago: Dearborn, 1999.
* Hammond, Bob. "Life Without Debt". New Jersey: Career Press, 1995.
* Leonard, Attorney Robin. "Bankruptcy". Berkley: Nolo Press, 1998.

----

[[Debt Relief]]

Debt Relief:Bibliography

2004-11-09T19:34:15Z

Felissa Howard: /* Self Help */

User:Felissa Howard

2004-10-28T23:32:31Z

Felissa Howard:

Hello my name is Felissa;I am pursuing an Associates Degree in Business.

User:Felissa Howard

2004-10-28T23:23:21Z

Felissa Howard:

Hello my name is Felissa and I am pursuing a Associates Degree in Business.