Advantage Advisor
Monthly Newsletter
January / 2019
It’s a dilemma that seems to be plaguing everyone to some degree these days. Yes, we are talking about credit card debt. Millions of Americans are affected by this type of financial debt. For some, it is just personal debt and others it may be personal and business debt. Either way, it spells bad news for the ones who feel buried in it. But the good news is there are plenty of things that anyone can do to improve their situation.

Click below for more information:
In This Issue:

Conquer Your Debt This Year
Holiday Financial Stress
Effects Of A Natural Disaster
Convenience Destroying Budgets
Clients Speak Out
Employee Spotlight
The Advantage Challenge
The holidays can be one of the most stressful times of the year. Dealing with problematic relatives, travel, and planning can all cause a lot of anxiety that catches us off guard each and every year. One of the biggest contributors to the tension during the holidays is budgeting and financial stress .... Read more!
Natural disasters can cause an enormous amount of devastation and damage, but the effects can actually be more far-reaching than many imagine. We just got out of a pretty rough hurricane season, and hundreds of thousands of people are still dealing with the effects of flooding, power outages, property ....   Read more!
Setting a spending budget is one way to help control personal finances, but there are other factors that need to be considered to ensure one keeps to the budget that is set. Consumers are often offered a variety of options when it comes to purchases. Choosing ....   Read more!
"I think it was about 5 years ago that I started the credit counseling services. I was starting to be unable to keep up with my credit cards bills, so I contacted AdvantageCCS to help. Very easy to work with and very helpful and my debt has finally been taken care of. Very grateful for this service!"  ~ Ian M .
" I worked with DeLisa Nuckles and she was very helpful when I had any questions. She was very knowledgeable and understanding every time I spoke to her or emailed her. I feel that because she was so accommodating I had a good experience with AdvantageCCS and would recommend them to others. "  ~ Judith D.
"The AdvantageCCS process was explained in detail to me. The debt management service that is provided helped immensely on getting myself back on my feet again. Help is just an email or phone call away, always."  ~ Galen D.
"I would still be paying on those credit cards, if I didn't get involved with you. Thank you for getting me back on my feet again."  ~ Karen W.
In our “Employee Spotlight” series, we ask our employees about the role they play in our agency and a little bit about their family and personal life. We want to give you the ability to hear right from them about what gets them excited to come to work each day and how they personally help all of our clients succeed.
Let's meet our  Credit & Housing Counselor John Arentzen !
How long have you worked for the agency? –  "It will be 13 years on January 2nd, 2019."
What are your primary job duties? –  "I'm a certified credit and housing counselor. I counsel people who need help with their unsecured debt or housing counseling needs such as pre-purchase counseling or foreclosure prevention counseling."
What was the most unusual and/or interesting job you've ever had? –  "Hmmm. I'm not sure."
Would you say you're messy or organized? –  "I'm organized at work; messy at home."
What's your favorite food? –  "There's nothing like a good hamburger."
What's your least favorite food? –  "Olives."
Do you have any hobbies? –  "I like to write and play chess."
What is the one thing you couldn’t live without? –  "My family."
What is your favorite book and/or movie? –  "Book is Dracula by Bram Stoker. Hmmm, there are so many movies to pick from."
What is your favorite color? –  "Blue."
What is your favorite vacation spot? -  "Niagara Falls."
Are you up for the Advantage Challenge?

Advantage CCS challenges YOU to... assess your insurance coverage.

Review your homeowner’s insurance , life insurance , and auto insurance policies to make sure you have adequate coverage and you're not overpaying for things you don't really need.

Contact your insurance companies to see if there are any discounts available to you. Some insurers will offer things like multi-policy discounts if you have more than one insurance policy with them. It never hurts to ask!

Let us know if you've saved money by doing this! Email and tell us. We'd love to hear from you!