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Wednesday, February 28, 2018 - 10:30am

With 43 percent of U.S. adults grading their knowledge of personal finance a C or lower, the free credit score website WalletHub today released its report on 2018's Best & Worst Cities at Money Management.

In order to determine where Americans are best at handling their finances, WalletHub compared more than 2,500 cities based on 10 key indicators of money-management skills. The data set ranges from median credit score to average number of late payments to mortgage debt-to-income ratio.
 

Cities with Best Money-Management Skills

 

Cities with Worst Money-Management Skills

1

Cupertino, CA

 

2553

McDonough, GA

2

Los Altos, CA

 

2554

Statesboro, GA

3

Saratoga, CA

 

2555

Natchitoches, LA

4

Scarsdale, NY

 

2556

Lithia Springs, GA

5

Sun City Center, FL

 

2557

Leesville, LA

6

Palo Alto, CA

 

2558

Maywood, IL

7

Sunnyvale, CA

 

2559

Hope Mills, NC

8

Bronxville, NY

 

2560

Riverdale, GA

9

Lexington, MA

 

2561

Cordele, GA

10

Mountain View, CA

 

2562

Tolleson, AZ

11

Foster City, CA

 

2563

Hampton, GA

12

Chevy Chase, MD

 

2564

Canton, MS

13

Sun City West, AZ

 

2565

Jacksonville, NC

14

Princeton, NJ

 

2566

Ruston, LA

15

Redmond, WA

 

2567

Jonesboro, GA

16

McLean, VA

 

2568

Dolton, IL

17

Leawood, KS

 

2569

Bastrop, LA

18

Potomac, MD

 

2570

College Park, GA

19

Bethesda, MD

 

2571

Lithonia, GA

20

Northbrook, IL

 

2572

Fairburn, GA

 
Best vs. Worst

  • Cupertino, California, has the lowest credit-card debt-to-income ratio, 1.99 percent, which is 7.4 times lower than in Magnolia, Texas, the city with the highest at 14.7 percent.
     
  • East St. Louis, Illinois, has the lowest mortgage debt-to-income ratio, 141.35 percent, which is 7.7 times lower than in Kailua, Hawaii, the city with the highest at 1,094.45 percent.
     
  • Scarsdale, New York, has the lowest car-loan debt-to-income ratio, 6.31 percent, which is 14.1 times lower than in Lake Placid, Florida, the city with the highest at 88.88 percent.
     
  • Scarsdale, New York, has the lowest student-loan debt-to-income ratio, 11.62 percent, which is 8.8 times lower than in Lithonia, Georgia, the city with the highest at 102.01 percent.
     
  • Laguna Woods, California, has the lowest average percentage of credit used, 19.9 percent, which is 3.2 times lower than in Herriman, Utah, the city with the highest at 63.9 percent.

 
To view the full report and your city’s rank, please visit:
https://wallethub.com/edu/best-cities-at-money-management/19256/

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Jeremy Westerman releases of ‘Pre-Apocalypse I: Serpent’s Agenda’

Book follows story of Gage Moorland who must overcome reptilian dominance over humanity

 

DRAPER, Utah – Jeremy Westerman has always been interested in conspiracy theories and space exploration. Listening to such radio programs as Coast to Coast AM, Info Wars and various websites and YouTube have all fed the different conspiracy theories in his mind. It also inspired him to write “Pre-Apocalypse I: Serpent's Agenda” (published by Xlibris).

 

The book follows the story of Gage Moorland, a Delta Force leader’s son who gets recruited by a military academy’s secret side. The brightest, most capable cadets are recruited to go to space to hopefully find ways to beat the reptilians. The reptilians have been humanity’s nemesis for eons, and this battle comes to the fore as Gage must meet a personal challenge from the head reptilian over the earth and moon. Gage’s innovative training from the age of 12 gives him a shot at overcoming reptilian dominance. 

 

The Serpent’s control over humanity is exposed through analysis of secret societies and how they seek to permanently enslave mankind through the New World Order. CERN’s influence is also exposed with their plans to resurrect their former god Nimrod so that he can either become the antichrist or the beast of Revelations. His resurrection is set for September 23, 2017, with Revelation 12’s fulfillment in the stars.

 

“Through this book, I would like readers to realize that Jesus Christ is the only way to return to God and this is brought out in two chapters through the Christ Centered Grand Unified Paranormal Theory that puts together a plausible basis for Pre-Adamites and two floods as covered in the Bible as well as Christ’s necessity in overcoming death and sin.”

 

 “Pre-Apocalypse I: Serpent's Agenda”

By Jeremy Westerman

Hardcover | 6 x 9in | 570 pages | ISBN 9781543464498

Softcover | 6 x 9in | 570 pages | ISBN 9781543464481

E-Book | 570 pages | ISBN 9781543464474

Available at Amazon and Barnes & Noble

 

About the Author

Jeremy Westerman is a chiropractor by trade. His training in Chiropractic College set the pattern for the investigations of much of his theories, especially those of healthcare. His Christian background growing up in the Salt Lake City area, as well as a two-year mission for his church, was a key in developing the Christ Centered Grand Unified Paranormal Theory. This is an ongoing attempt to unify science, the supernatural and the Bible into one cohesive theory.

 

Xlibris Publishing, an Author Solutions, LLC imprint, is a self-publishing services provider created in 1997 by authors, for authors. By focusing on the needs of creative writers and artists and adopting the latest print-on-demand publishing technology and strategies, we provide expert publishing services with direct and personal access to quality publication in hardcover, trade paperback, custom leather-bound and full-color formats. To date, Xlibris has helped to publish more than 60,000 titles. For more information, visit xlibris.com or call 1-888-795-4274 to receive a free publishing guide. Follow us @XlibrisPub on Twitter for the latest news.

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