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As a service journalist for CNBC and top publications, I’ve written about money, education, politics and culture for millions of readers.

At my core, I care about two things: people, and telling a good story.

I love writing searchable, informative articles that help readers connect with the information they need. And it’s a win-win when my articles drive revenue for companies working to make significant and beneficial change in the world. Understanding people is one of my magic super powers — and it just so happens to bring the best results.

Just take a look at my samples below. 

Featured Poems

Aubade for an Alcoholic’s Son. New Limestone Review. August 2019. (Pushcart Nominated)

Ellis Island. Public Poetry Power Anthology. January 2019.

 

White power. Public Poetry Power Anthology. January 2019.

Salt. Palette Poetry. November 2018.

Watermelon. Utterance Journal. October 2018.

 

Personal Finance

The average millennial has $27,251 in nonmortgage consumer debt—here’s how they compare to other generations

cnbc.com — Millennials are the generation with the fastest growing debt load, which isn’t surprising when you consider this cohort is increasingly having children, buying homes and continuing to pay off their student loans. According to the Experian 2020 State of Credit report, the average millennial consumer has about $27,251 in non-mortgage debt, and millennial homeowners have an average mortgage balance of $232,372.

The average American has $90,460 in debt—here’s how much debt Americans have at every age

cnbc.com — In our efforts to keep up with the Joneses (or just get by during this period of economic uncertainty), debt has become a normalized part of the American lifestyle. Borrowing money is often an important part of a long-term financial plan, whether it’s to access education and career opportunities, buy a car for your commute or find a place to call home. However, debt also involves a little risk and can be expensive.

Stimulus checks, taxes, health care: these are the questions CFPs are hearing from their clients

cnbc.com — Editor’s Note: APYs listed in this article are up-to-date as of the time of publication. They may fluctuate (up or down) as the Fed rate changes. CNBC will update as changes are made public. While there’s never any true certainty when it comes to managing money, it does help to have a plan. That’s why working with a financial planner is a smart move, even for those just starting out.

Keep your coffee and other advice from people who paid off thousands in debt

cnbc.com — Most Americans are paying off some kind of debt, whether you’ve got student loans, a car loan, a mortgage or high-interest credit card debt. Sometimes, debt is part of a long-term financial plan (like if you hope to one day make money on the house you’re renovating). But other times, we find ourselves in debt because of unexpected circumstances, or simply because it’s tough to make ends meet. Juggling all this debt is one reason why so many people are stressed about money.

3 things that can matter more to your money than your credit score, according to a financial planner

businessinsider.com — A high credit score makes it easier to move through the world, but according to one financial planner, there are other indicators of long-term financial health that could be more important. Factors like ability to survive a job loss, retire on your terms, and take time off or switch careers are important to people who want real financial security. Need help building wealth?

Student loans

Public Service Student Loan Forgiveness can help you shed your debt, but it can be tough to qualify

insider.com — Over 45 million Americans have student loan debt, and it’s affecting their ability to build wealth. One way to get out of debt is through the 2007 Public Service Student Loan Forgiveness (PSLF) program, which invites public sector workers to apply for loan forgiveness after 120 qualifying student loan payments (or about 10 years of work in a qualifying profession).

‘Waiting with bated breath’: How student loan borrowers should prepare for Trump’s forbearance period to end this December

cnbc.com — President-elect Joe Biden has gone on record saying he will forgive student loans and extend coronavirus relief in 2021. But if your federal student loans are currently in forbearance under the Trump executive order, you should still prepare for repayment to resume in January. Nothing is guaranteed until Congress passes new legislation.

Insurance

Climate change may affect your homeowner’s insurance policy in 2 ways

businessinsider.com — Dramatic weather events are on the rise all over the world thanks to climate change. While homeowner’s insurance typically covers things like wildfire and tornado damage, earthquakes require additional coverage. Homeowners in high-risk areas will want to re-evaluate their policies with the help of an insurance adviser, though all homeowners can expect their premiums to climb thanks to the rising cost of weather-related disasters. Need help finding the right homeowner’s insurance policy?

How to shop for car insurance to get the best deal

businessinsider.com — Personal Finance Insider writes about products, strategies, and tips to help you make smart decisions with your money. We may receive a small commission from our partners, like American Express, but our reporting and recommendations are always independent and objective. Learning how to shop for car insurance can help you get a better deal.

Weddings

The average engagement ring costs $5,900—what to know if you want to finance this big purchase

cnbc.com — As we head into the holiday season, the thought of marriage might be on your mind: According to Wedding Wire, about 40% of all engagements happen between Thanksgiving and Valentine’s Day. That means that an already-expensive time of year could get even pricier depending on how much you spend on an engagement ring. While most couples have moved on from the old rule that an engagement ring should cost three months’ salary, it’s still a fairly significant purchase for many people.

How to prepare your finances for the floodgate of 2021 weddings

cnbc.com — According to a new study by wedding planning website Zola, 63% of couples are postponing their weddings by one year or more from their original date as a result of the coronavirus pandemic. And the change in timelines isn’t just affecting the bride and groom. If you were planning to attend a wedding in 2020, you’ve probably already had to shift your plans to 2021.

Money guides

The beginner’s guide to credit scores

cnbc.com — Life is better with a good credit score. This three-digit number affects nearly every facet of your financial life and makes it easier to achieve important milestones, like renting an apartment, buying a car or getting a mortgage for your first home. In this guide, we will go over everything you need to know about building credit — even if you have no credit history whatsoever.

The go-to money guide for cash-strapped college students

cnbc.com — Going back to school looks a lot different this year, but there are some things that never change: You’ll still need textbooks; you’ll likely pull an all-nighter or two preparing for mid-terms; and now is the best time in your life to start working on your finances. The sooner you learn how to manage your money and understand the best ways to use credit cards, the better financial situation you’ll be in upon graduation. Establishing a good credit score during college is essential.

A stress-free guide to credit cards: How to use them responsibly

cnbc.com — There are a lot of perks that come with having a credit card, from the convenience of being able to pay for a purchase when you don’t have cash to the chance to earn rewards on every dollar you spend. Having a credit card can also help you build your credit history, which is important if you want to one day apply for a mortgage or personal loan. While having a credit card can help you improve your credit score, it can also hurt it.

Education

These Students Made a Surprising Discovery About Local Air Pollution That Changed Lives

weareteachers.com — It’s tough to beat the excitement of a hands-on environmental science lesson that reveals the secrets of your local community. For eighth grade students at Garvey Intermediate School in Rosemead, California, this kind of scientific learning was also life-changing.

Here Are 21 Free Resources for Teaching Social Justice in the Classroom

weareteachers.com — With no federal standards for the topic in place, teachers are left to their own devices for creating or finding social justice lesson plans. Our country’s history is rich with resistance, organizing, and civil rights campaigning—but for many teachers, these movements seem new.

This Teacher and Her Students Teamed up With a National Geographic Explorer to Tackle Plastic Use

weareteachers.com — When Juanita Romard first heard about the National Geographic Explorer Challenge, she thought it would be a great way to energize her language arts curriculum. It turns out that it would also empower her students to solve an environmental challenge in their school. Plus, it would help Juanita build her own skills and become a National Geographic Certified Educator. And the coolest part?

The High School Students and Teachers Working to End Child Marriage in Pennsylvania

weareteachers.com — This October, Pennsylvania senators unanimously passed a bill to end child marriage. And two extraordinary teachers are largely responsible for its success. English teacher Daniela Buccilli and social studies teacher Leah Humes started Pennsylvania’s first integrated gender studies class at Upper St. Clair High School in Pittsburgh. After an inspiring class project, the students found themselves speaking with representatives and senators inside the Pennsylvania capitol.

Politics

Biden has big plans for student debt relief—here are 3 possibilities to look for in 2021 and beyond

cnbc.com — December is likely the last month that federal student loan borrowers can take advantage of interest-free forbearance on their loans. With President-elect Joe Biden taking office in January, it’s not yet clear whether the payment moratorium from Trump’s executive order will extend into 2021. While millions of Americans brace themselves for the possibility of repayment resuming in January, many wonder if they can afford to make payments.

Biden’s stimulus plans sound optimistic, but experts recommend you do these 3 things while we wait

cnbc.com — As coronavirus cases spike nationwide, Congress appears nowhere near passing another stimulus bill before the start of the holiday season. Millions of struggling Americans now look to President-elect Joe Biden in the hopes that he will rally legislators around economic recovery efforts — and fast.

Americans still haven’t gotten a second stimulus check, and it’s unclear if and when they might—here’s how to manage in the meantime

cnbc.com — It’s been more than six months since President Donald Trump signed the $2.2 trillion CARES Act into law on March 27. There’s since been a lot of talk about a second round of stimulus checks, but Congress and the White House is still at odds over exactly what a new coronavirus relief bill would entail. And with the election looming, Americans can only say one thing with certainty: We don’t know what to expect.

Trump votes early in Florida as 2020 campaign enters final days

cnbc.com — U.S. President Donald Trump pauses during the U.S. presidential debate at Belmont University in Nashville, Tennessee, U.S., on Thursday, Oct. 22, 2020. Kevin Dietsch | Bloomberg | Getty ImagesPresident Donald Trump cast his early ballot in West Palm Beach, Florida Saturday morning, as the 2020 presidential campaign enters its final week with tens of millions of Americans having already voted. Trump exited the voting area at the West Palm Library while wearing a mask.

Profiles

How this entrepreneur is working to help Black women build generational wealth through homeownership

cnbc.com — Generational wealth is about more than how much money you have — though money is, of course, a key part. To Shelley Halstead, founder and director of Black Women Build-Baltimore, generational wealth is also about habits as small as packing your lunch instead of buying it out, or what you and your family talked about around the dinner table. “My parents budgeted, and I learned that it was just part of growing up,” Halstead tells CNBC Select.

A millennial couple who paid down $250,000 of debt in their first 5 years of marriage share how they did it

cnbc.com — In the U.S., marriage vows often include the line “for richer or poorer,” but many people don’t consider how much debt their partner has before they say, “I do.” College sweethearts LeVar Harris and Reanne Swafford-Harris, who got married in 2015, were open with each other about their finances from the start, and they made another vow to prioritize their quality of life while focusing on paying off their significant debt load.

How an entrepreneur saved a $60,000 emergency fund and quit her job after over a decade in corporate America

cnbc.com — Ready or not, the coronavirus pandemic continues to rock the economy and uproot the way we live and work. So much, in fact, that many Americans are contemplating making big changes to their lives and careers. New data from the Pew Research Center shows that 1 in 4 (25%) Americans say they or someone in their household has been laid off. And while rising unemployment signals red flags for all of us, the recession has impacted women, especially women of color, the worst.

How this Bay Area family saved up enough cash to buy a house in Portugal

cnbc.com — Editor’s Note: APYs listed in this article are up-to-date as of the time of publication. They may fluctuate (up or down) as the Fed rate changes. CNBC will update as changes are made public. Buying a house is a major milestone that can be both scary and fun — getting a mortgage can be complicated, but there’s a lot of joy in owning your own place.

‘I didn’t want to depend on him’: What it’s like to be credit invisible and how to change it

cnbc.com — Some 45 million Americans are credit invisible, according to the latest research from the Consumer Financial Protection Bureau (CFPB). While the thought of living a cash-only life might sound doable, the reality is harder than most realize.

Mortgages

3 tips for refinancing your mortgage, even with a bad credit score

cnbc.com — Mortgage rates have recently hit record lows, and many Americans are jumping at the opportunity to buy new homes as well as refinance. According to the Mortgage Banking Association (MBA), mortgage applications have been surging since March 2020 when the Fed slashed interest rates in response to the coronavirus pandemic. By year-end, mortgage applications are expected to double in volume compared to economists’ original 2020 predictions.

You can pay for a lower interest rate on your mortgage upfront, but whether you should depends on the math

insider.com — One option for homebuyers taking out a mortgage is to pay for a lower interest rate upfront, or “buy it down.”While the ability to do this, and the impact of the payment, will vary by lender, buying down your rate means paying for mortgage “points” (fees) at the start of the loan to lower your interest rate and thus decrease your monthly payments going forward. Should you pay for a lower interest rate? It depends.

Loans

With sky-high APRs, payday loans can get expensive fast—here’s what to know

cnbc.com — Millions of Americans struggle to make ends meet. According to from First National Bank of Omaha released earlier this year, 49% of U.S. adults expected to live paycheck to paycheck in 2020, and no doubt the pandemic has only made things worse. In July, Pew reported that nearly 12 million Americans rely on payday loans each year. In a pinch, a payday loan can seem like an easy fix if you’re strapped for cash. You usually just need proof of income and an ID, and you can get a small loan on the spot.

Here’s the difference between secured and unsecured loans

cnbc.com — While some people swear by a cash-only lifestyle, the truth is most of us rely on credit to pay for life’s big expenses over time. When you want to buy a big-ticket item like a house or a car, open or grow a business, renovate a kitchen or pay for college, you can apply for a loan at either your local back or online to help you cover the cost. When considering your credit options, you might have to decide between a secured and unsecured loan.

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