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Getting financial advice on the Internet isn’t always easy. It can be hard to know who’s a real expert and who’s advice will lead you astray. Howard Dvorkin is a CPA and certified personal finance expert. He’s personally counseled thousands of people and started one of the largest and leading credit counseling agencies in the U.S., so you can trust he knows what he’s talking about. Browse Howard’s latest Ask the Expert video responses here or head to the bottom of the page to ask Howard your own questions directly.