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Dreaming big

goal setting photo: goal setting goalsetting.jpgWe all have dreams and desires try dreaming big, write it down, think about what you must do to achieve your dream and write up a plan. You will be amazed what you can achieve with a written plan. Writing your goals down is the first step to achieving your goal. Remember people don’t plan to fail they fail to plan. Plan and achieve.

Central Florida Business Women

May 21st, 2015 Posted in Business

Join us for tips to Elevate Your Business Savvy tonight at Woody’s BBQ on Enterprise Rd. in Orange City at 6:30 pm.  Check us out on our Meetup page  http://www.meetup.com/Central-Florida-Business-Women/  or on Facebook at https://www.facebook.com/groups/150044178512271/

Books on Finance

booksIf you are looking for an interesting and practical book about everyday finances try some of David Bach’s books. Everyone can learn something from them. Remember you can not eat an elephant all at once, but you can one bite at a time. Saving for retirement is the same as eating an elephant, just do it one ONE dollar at a time.

Books on Amazon:

http://www.amazon.com/Start-Late-Finish-Rich-Achieving/dp/0767919475/ref=sr_1_1?ie=UTF8&qid=1432081304&sr=8-1&keywords=David+Bach%27s+books

http://www.amazon.com/Automatic-Millionaire-Powerful-One-Step-Finish/dp/0767923820/ref=asap_bc?ie=UTF8

http://www.amazon.com/Smart-Couples-Finish-Rich-Creating/dp/0767904842/ref=asap_bc?ie=UTF8

David’s page on Amazon:

http://www.amazon.com/David-Bach/e/B000APHWYM/ref=sr_tc_2_0?qid=1432081371&sr=1-2-ent

One year from now…

May 12th, 2015 Posted in Business, Finance Tips

crystal-ballWhere do you think and believe the country will be a year from now? Write your predictions down and revisit them next year. Many times the experts do not get it right. When deciding what type of retirement account to have, think about the future of the tax system. The tax code seems to change daily.

A Good Read!

April 23rd, 2015 Posted in Business, Finance Tips, Money Saving Tips, Savings Tips

booksI just finished reading a book that many people might find useful “Start Late Finish Rich” by David Bach. It is a little dated in parts but an excellent read. It has lots of practical advice on ways to save and stay on the right track to your goal. My next suggestion is Morningstar.com, I was checking my portfolio and found that the my view has 35 different facts that you can pull up. If you have not been to the Morningstar site lately check it out. It is Morningstar.com scroll down to portfolio manager then my view

Stop and think!

March 16th, 2015 Posted in Business, Money Saving Tips, Savings Tips

stop-signBefore spending your hard earned money, that took your time and life’s energy to acquire STOP AND THINK do I really need this. Maybe there is an easier, and simpler way to achieve my goal. Perhaps you already own something that will work just as well as if not better.

Good Advice

February 16th, 2015 Posted in Business, Savings Tips

Good Credit Card tips and important numbers should you lose a credit card, have one stolen or have your wallet stolen

ATTORNEY’s ADVICE – NO CHARGE   (Number 7 is the best)

Not A Joke!!   Even If you dislike attorneys…You will love them for these tips.  

Read this and make a copy for your files in case you need to refer to it someday. Maybe we should all take some of his advice! A corporate attorney sent the following out to the employees in his company:  

  1. Do not sign  the back of your credit cards. Instead, put ‘PHOTO ID REQUIRED.’  
  1. When you are writing checks to pay on your credit card accounts,  DO  NOT put the complete  account number on the ‘For’ line. Instead, just put the  last four numbers. The credit card company knows the rest of the number, and anyone who might be handling your check as it passes through all the check processing channels won’t have access to it.  
  1. Put your work phone # on your checks instead of your home phone. If you have a PO Box use that instead of your home address. If you do not have a PO Box, use your work address. Never  have your  SS# printed on your checks. (DUH!) You can add it if it is necessary. But if you have It printed, anyone can get it.  

 

  1. Place the contents of your wallet on a photocopy machine . Do both sides of each license, credit card, etc. You will know what you had in your wallet and all of the account numbers and phone numbers to call and cancel. Keep the photocopy in a safe place.  

I also carry a photocopy of my passport when I travel either here or abroad. We’ve all heard horror stories about fraud that’s committed on us in stealing a Name, address, Social Security number, credit cards. In case your luggage is lost, take another list in your carry on bag, especially if you are abroad and need immediate access to those numbers.

 

Unfortunately, I, an attorney, have first hand knowledge because my wallet was stolen last month. Within a week, the thieves ordered an expensive monthly cell phone package, applied for a VISA credit card, had a credit line approved to buy a Gateway computer, received a PIN number from DMV to change my driving record information online, and more.  

But here’s some critical information to limit the damage  in case this happens to you or someone you know:  

 

  1. We have been told we should  cancel our  credit cards immediately. But the key is having the toll free numbers and your card numbers handy so you know whom to call.. Keep those where you can find them.  

 

  1. File a  police report immediately in the jurisdiction where your credit cards, etc.., were stolen. This proves to credit providers you were diligent, and this is a first step toward an investigation (if there ever is one).  

 

But here’s what is perhaps   most important of all : (I never even thought to do this.)  

  1. Call  the  3 national credit reporting organizations  immediately to place a fraud alert on your name and also call the Social Security fraud line number. I had never heard of doing that until advised by a bank that called to tell me an application for credit was made over the Internet in my name.  

 

The alert means any company that checks your credit knows your information was stolen, and they have to contact you by phone to authorize new credit.  

 

By the time I was advised to do this, almost two weeks after the theft, all the damage had been done. There are records of all the credit checks initiated by the thieves’ purchases, none of which I knew about before placing the alert. Since then, no additional damage has been done, and the thieves threw my wallet away this weekend (someone turned it in). It seems to have stopped them dead in their tracks..  

 

Now, here are the numbers you always need to contact about your wallet, if it has been stolen:  

 

1.) Equifax:   1-800-525-6285    1-800-525-6285   

 

2.) Experian (formerly TRW):   1-888-397-3742    1-888-397-3742   

 

3.) Trans Union :  1-800-680 7289  1-800-680 7289  

 

4.) Social Security Administration (fraud line):  

  1-800-269-0271    1-800-269-0271   

 

We pass along jokes on the Internet; we pass along just about everything.  

 

If you are willing to pass this information along, it could really help someone that you care about.

 

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