Today's moderator: Rick Badie

Rick Badie joined The Atlanta Journal-Constitution as an education reporter in 1997. A South Georgia native, he's covered the region's immigrant communities, was a feature obituary writer and opinion columnist for the AJC's Gwinnett edition.

It's a new year, time, perhaps, for a financial resolution or two. Today, executives for two non-profit organizations write about the need to achieve and manage personal finances. And a client of a national credit score improvement program offered at Ebenezer Baptist Church shares her success story. Click here to comment.

Today's columnists: