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Merry Christmas!
From everyone here at CFI, we wish each of you a very joyful, healthy and happy holiday season!
Holiday Savings Tips
Think you can't get through the holidays without spending a fortune? 

It can be easy to go overboard on holiday shopping, but with a little bit of planning and budgeting, it is possible to celebrate without spending all of your cash or maxing out your credit cards. 

Use these eight practical tips to ensure you stay on budget for the new year, rather than getting wrapped up in holiday spending. 

Managing Holiday Stress
The holiday season often brings unwelcome guests - stress and depression. 

And it's no wonder. The holidays often present a dizzying array of demands - cooking meals, shopping, baking, cleaning and entertaining, to name just a few. And if coronavirus disease 2019 (COVID-19) is spreading in your community, you may be feeling additional stress, or you may be worrying about your and your loved ones' health. 

You may also feel stressed, sad or anxious because your holiday plans may look different during the COVID-19 pandemic.

But with some practical tips, you can minimize the stress that accompanies the holidays. You may even end up enjoying the holidays more than you thought you would.

Beware of Covid Scams 
Check out this Fraud Alert from the Department of Justice:

Be aware that criminals are attempting to exploit COVID-19 worldwide through a variety of scams. 
  • Be on the lookout for antibody testing fraud schemes. Never share your personal or health information to anyone other than known and trusted medical professionals.
  • Be cautious of unsolicited healthcare fraud schemes of testing and treatment through emails, phone calls, or in person.  The U.S. have medical professionals and scientist working hard to find a cure, approved treatment, and vaccine for COVID-19.
  • Be wary of unsolicited telephone calls and e-mails from individuals claiming to be IRS and Treasury employees.  Remember IRS first form of communications is by mail - not by phone.  
  • Be aware of unemployment insurance fraud and learn the steps to take if you suspect criminals have exploited your identity.  
Criminals will likely continue to use new methods to exploit COVID-19 worldwide. Stay alert and stay informed about common fraud schemes related to the COVID-19 Pandemic.  

If you think you are a victim of a scam or attempted fraud involving COVID-19, you can report it without leaving your home by calling the Department of Justice's National Center for Disaster Fraud Hotline at 866-720-5721 or via the NCDF Web Complaint Form which can be found at the link below.

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Spotlight: Money Basics For Kids This Holiday Season
The holidays can be so busy that most of us feel like we're being put through a two-month time crunch. 

But with all the giving, saving and spending going on, this is also a great time of year to communicate with your children about wise money management.

With a big dose of family time coming your way, take advantage of all the teachable moments! If you make a point to get to the heart of money matters this holiday season, you will truly change your family tree.
And the best part is, it can be super easy!

Goodbye 2020!
Ready for 2020 to be over? I am! Despite the unique challenges we faced, I feel that CFI has had a good year. 
I am especially grateful to our staff for being innovative, flexible and helpful in creating a safe environment for our clients and for working hard while we stayed open as an essential business. 
We are grateful to all of our clients for your patience and support as we worked out the kinks of delivering service in this new environment. 
It has been our pleasure to serve you and we look forward to a better, healthier year in 2021!

Jim Roesch, CEO and Chief Visionary Director