10 Car Buying Tips – Post 409

anchorEpisode 2 – 10 Car Buying Tips

In our last episode we talked about the, “But I just can’t save excuses.”  SO today let’s take a look at the, “Cars are the Exception for Debt Excuses.” Two of the most common myths about “Cars are the Exception” that folks have include the idea that Old cars just aren’t as safe and buying used is just inheriting someone else’s problems.

Buying a car is a big financial decision, and one you shouldn’t just rush through over the course of a weekend. It has everything to do with where you are in your financial plan. I have been buying used cars now for 20 years now without any problems. The last used car that I bought was in 2013 when I paid cash for a Cadillac CTS. Five years later I now have 200,000 miles on that car and I still absolutely love it. The key is to start your research with these 10 car buying tips to help you find an affordable car that also fits your lifestyle.

1. Figure out your car budget

Let’s start with a bit of a reality check: new cars drop in value like a bag of rocks, losing 60% of their value in the first five years!(1) This isn’t a smart investment. You really should only consider buying new if you have plenty of money to burn.

With that out of the way, your first step is deciding what you can afford to pay for your car. Leasing a car and going into debt to buy one are both bad ideas, so what you can afford is based on the amount of cash you can pay up front.

If you don’t have the funds for a used or certified pre-owned car right away, you’ll have to make room in your budget to set money aside some money each month. Figure out where in your budget you can get by on less, and then how much you can afford to put toward your car fund.

Remember, leasing or financing a car will not help you build wealth. It’s much easier to save around $500 a month (the average car payment) for 10 months and buy a used car with no strings attached. Do you really want to sign up for a payment plan and pay thousands of extra dollars for several years?

In fact I can show you the method that I used to generate more income so I could pay cash for that used Cadillac CTS when we needed to get a better car. We did it by starting a home based business. I can show you how to start your own business with no up-front investment, no pyramid that requires a monthly auto shipment costing you money instead of creating money, and no selling of lotions, or potions or pills, or quick magic diet aids that melt away inches in minutes or other such scam promotions that we see all over Facebook every day. Stay tuned to the end and I will share with you how to learn more.

2. Narrow down your choices

Once you’ve decided on a price, start looking at cars that fit your budget. There are plenty of ways to find used cars in your area. Your local dealership likely has a website for you to view the cars they have in stock. And you can do like I did when I bought that Cadillac. I went to Craigslist. Check sites like Craigslist to see what other cars are on the market.

Narrow down your options to a few cars that fit your price range and needs. Consider factors such as safety, speed, gas mileage, comfort, and how it handles in bad weather. Just because something is a good fit for your wallet doesn’t mean it will work for your lifestyle.

And if a car you love is a little above your budget, go ahead and include it on your list. As a cash buyer, you’ll have the power to negotiate a better price.

3. Do your research before buying a car

When you find a car you like, it’s time to do some research. Look up the Kelley Blue Book value of the vehicle to make sure the price is fair for that year and model.

You should also check each vehicle’s history report. This will tell you the accident history, repair information, potential recalls, and other important information about the car.

Simply request the Vehicle Identification Number (VIN) from the seller and use a website like VehicleHistory.com or Carfax.com to research the car’s history.

Some sites charge for the information they provide. And while paid reports are more comprehensive, free reports will alert you to any major red flags. Some car dealerships or private sellers will also provide a report if you ask. Either way, it’s worth a check. If you get a good deal but end up in the shop every week for maintenance, you’ll spend more money in the long run.

4. Get a car insurance quote

By now, you should have a handful of potential cars that check out history-wise and fit within your budget. But it’s not enough to be able to pay for the car—you’ll also need to make sure you can pay for the insurance that comes with it.

Talk to your current insurance agent about running a few quotes for the cars you have in mind. If the price is too steep, don’t be afraid to consult an independent agent for more options.

Online insurance quote generators can be helpful, but you’ll get a better deal by talking to an insurance agent on the phone or in person. You might even be eligible for discounts you didn’t know existed!

5. Now for the fun part: Take the car for a test drive!

Know exactly what you want before you even step foot in a dealership. And keep an eye out for their upselling tactics! If the dealership doesn’t have the car you want but has a budget-breaking similar model with a new sound system and heated seats, it’s still not the right car for you.

Once you’re ready to get behind the wheel for your test drive, choose a route that allows you to experience different types of driving. The way a car handles on the highway will be different than how it drives in the city. Pay attention to anything that seems odd. Does the car rattle when you go over a bump? Are there any weird noises? These details will help you out in the next step.

6. Get a car inspection

Before you spend a dollar on a used car, take it to a mechanic for a full inspection. Sellers can lie when there’s money on the line. While the car might look and feel fine when you take it around the block, you never know what could be going on under the hood.

Don’t feel awkward about asking for an inspection. This is a routine part of the car-buying process. If the seller is hesitant or gets upset about your request, they probably have something to hide.

7. Wait for the best time to buy a car

According to AutoTrader, the best times to buy a car are at the end of the month, during holiday weekend sales, and at the end of each quarter.(3) So plan for some time around March, June, September, and December. The United Services Automobile Association (USAA) recommends going later in the day and during the week to get an even better deal.

Dealerships are usually hoping to reach their year-end goals, which motivates them to slash prices and move cars before the end of the year.

During the late summer, a lot of dealerships want to sell as many cars as possible to clear space for newer vehicles. Again, you’ll want to go later in the month to ensure you are getting the best price possible.

It may seem like a simple tip for buying a car, but waiting for the right time to buy a car can save you hundreds, if not thousands of dollars, on the final sales price.

8. Always negotiate

You’re at an advantage here for two reasons: You’ve done your research, and you’re paying cash. Give the seller a price you’re willing to pay for the car. This price should be lower than what you’re actually willing to pay so there’s room for you and the seller to meet in the middle.

Negotiation is all about the attitude. You have to act like you’re willing to walk away from this car if the seller doesn’t come down in price. If a dealer senses for even a second that you really want a certain car, you won’t get a good deal.

It also helps to see if another third party or dealership is selling the same car for a better price, and bring that to the table. If you get a deal from one seller and take that dollar amount to another seller, they may come down on the cost. If you pay with cash on top of that, you can get an even better deal!

9. Forget the extras

Don’t pay for things that you don’t really need like a racing stripe, special detailing, and especially extended warranties. A warranty is not a necessary expense if you have your full emergency fund in place. That alone will cover any costs you have if the car breaks or has problems.

If you change your mind and want to purchase extras down the line, you can always contact the dealership to negotiate a price. That gives you time to decide which features you really want and which would just be a luxury.

10. Two are better than one

If you need support when you’re ready to buy a car, take a friend or family member who can help steer you in the right direction. They can also help you remember details about the car that the seller tells you, which can help you make a decision. And bring someone who knows a lot about cars if you don’t have much experience with buying and negotiating a car deal.

Bonus car buying tip: cars don’t equal happiness

Remember, the purpose of a vehicle is to get you from point A to point B, not to prove your social status to the world. As tempting as it is to hit the road in a car you can’t afford, it’s more likely to be a burden than a blessing—especially if it’s not in your budget.

Chances are, your car isn’t the first thing you think about in the morning or when you go to bed at night. The key to happiness is not a new car, so don’t pay for it like it is!

What tips do you have for buying a used car? Leave a comment and let me know your best used car buying tip.

I hope you enjoyed this podcast and you learned some valuable information.

Now is the best time to start taking control of your money! I’ll be covering many topics to teach and encourage saving and debt freedom. Be sure to subscribe to this podcast and to my blog at ProsperityRx.com to learn how to save money, make a budget, pay off your debt, reduce your taxes and invest for your future.

Also if you want to learn more about how to create extra income by starting a home business that requires no startup capital, no pyramid that requires a monthly auto shipment that cost you money every month instead of creating money, and no selling of lotions, or potions or pills, or quick magic diet aids that melt away inches in minutes or other such scam promotions visit http://AIMHighForSuccess.com.

Start Today!

8 Excuses Broke People Believe – Post 408

anchorEpisode 1 – 8 Excuses Broke People Believe

What is the difference in being broke or being poor?

It’s two different ways of looking at the same situation, no money.

Poor is an attitude. 

It says you can’t get ahead and you’ll never win with money. Just stay where you are and sulk in your bad luck forever.

Broke on the other hand is something you’re just passing through. 

We’ve all messed up by believing some of the prevailing money myths in our culture. The turning point comes, however, when you’re willing to own up, claw your way out, and never live in the lie again. My goal is to show you how to change your attitude, to change your life and start on the true path toward financial peace and prosperity. To help folks build a life they don’t need a vacation from.

I want to share with you the 8 most common excuses for debt that folks use who are up to their eyeballs in debt and are unwilling to change their situation. Instead of the temporarily broke mentality they have, the dooms day, woe is me, attitude of I’m poor and it’s out of my control. If you find yourself struggling with any of these 8 excuses, my goal is to show you how to change your attitude, to change your life and start on the true path toward financial peace and prosperity.

SO I’m going to start by sharing with you the 8 excuses for debt and then over the next few posts I’m going to break them down a little bit and dive a bit deeper

  1. But . . . I Just Can’t Save Excuses. These include things like
  2. Cars Are the Exception to Debt Excuses. These folks like to say
  3. Family Comes First Excuses. Some of these include
  4. I’ll Do It Later or the I Promise Excuses. Some of these reasons to procrastinate include
  5. Debt’s Not So Bad, Right? Excuses. This group of folks believe
  6. I Earned This Excuses. Some of these selfish reasons include
  7. Poor, Pitiful Me Excuses. These woe is me reasons include
  8. No Worries or I’m Covered Excuses. These folks think

So let’s start today with the But . . . I Just Can’t Save excuses.

Some of the attitudes toward debt and saving that people hold when they belong to the “I Just Can’t Save” group is first of all, procrastination. They say, “I’ll save next year when I’m making more money.” They may hold that attitude of denial, “At my age, it’s too late anyway.” Or the attitude of desperation or whats the use, “Why save money? You can’t take it with you when you die.”

In Dave Ramsey’s book The Total Money Makeover he breaks the path to financial peace down to seven steps, he calls them baby steps, and these steps are designed to give you little wins along the way that help encourage you and to slowly change the attitude from “what’s the point, I cant save anyway” to slowly change it to maybe this will work, maybe I can do it. As you go through those steps and follow the process those little wins strengthen the “I can attitude” little by little.

The very first step to winning with money and getting out of debt is to establish an emergency fund. Without this first step, you won’t accomplish your money goals. The sense of empowerment, the sense of satisfaction that you have once you have that emergency fund is amazing. Especially when that first emergency comes up and you realize, wow, I can actually take care of this. I don’t have to borrow the money from somewhere. I don’t have to juggle the bills. I can actually get my car fixed, or fix the plumbing issue, or whatever the emergency is. It doesn’t bust your budget and you don’t have the anxiety you used to get when something did go wrong.

Saving for that emergency fund also teaches you to make saving a priority, and it gives you the cushion you need to stop using credit and to start paying off debt.

Depending on how much experience you have saving money, saving for an emergency fund could be a piece of cake—or it could feel downright impossible.

So how do you save money fast?

Well first of all you have to work with what you have. You must develop a good budget and cut back on spending. You may think that ‘This will take forever!’ but within a few weeks of staying at home, eating only at home, and sticking to a budget you can be well on your way. You can’t save any money without creating a budget first. Creating a budget tells you exactly where every penny goes. You’ll see how much money you waste every month. You will realize just how much you spend on those Grande lattes, or those convenient fast food lunches, or those big gulp sodas every month. Once you see just how much you are wasting, you’ll get to $1,000 in no time.

Others tricks to get that emergency fund funded that others have done could include some of the following

Stashing away every $5 bill you received or maybe saving all dollar bills and loose change at the end of the day. That might not add up to $1,000 in one month, but it sure can help you get there.

Avoiding dining out is a very good way of cutting back on expenses.

  • Use cash when you purchase things. It really helps you see and feel the money you’re spending.

Bring in More Money

  • Sell stuff. Garage sale, eBay, CraigsList, Facebook Marketplace. Sell “stuff” to make money and get rid of things you don’t need at the same time! If you’re not up for a garage sale, sell some of your old gold or silver jewelry. That can help you easily make hundreds of dollars fast.
  • If your job allows it then working overtime is another great way to bring in extra money. If that isn’t an option, consider using your skills or talents to earn additional cash by finding a part-time job.
  • You can start your own business. For example you can clean someone’s house for an afternoon, walk dogs, or show someone how to use a computer. Teach someone how to cook or teach them how to organize files. Even if it seems like just pennies now, don’t take it for granted.

There are some great income tax savings you can get that will save you money when starting a business in addition to the additional income that it brings in to you. It all adds up! In fact this is one of the methods that I have used to generate more cash and save taxes.

If you need an idea of a business to start, I can show you how you can start a business with no financial investment, no pyramid that requires a monthly auto shipment that cost you money every month instead of creating money, and no selling of lotions, or potions or pills, or quick magic diet aids that melt away inches in minutes or other such scam promotions.

Save Money by Making a Few Phone Calls

  • Make the wise move of cashing out whole life insurance policies and switch to term.Get whatever cash is available from the policies to apply toward your emergency or your debt snowball. Switching to term life insurance will greatly reduce your monthly premium cost so you can then take the money you are saving in monthly premium charges and apply that toward your emergency fund or debt snowball.
  • Additionally, you might be able to save money each month by shopping around for better deals on life, health, home and auto insurance.
  • A lot of people use their income tax refunds to build their emergency funds. That’s a great use of this year’s refund, but if you’re consistently getting large refunds at tax time, you should change your tax withholding so you bring more money home in your weakly paycheck. That way there’s no waiting and no giving the government a free loan!

No matter what methods you use or how much money you can dig up, you won’t hit a savings goal if you don’t picture yourself reaching it. You have to BELIEVE you can save money fast. Acknowledge you have to do it. And then, get to it!

Now is the best time to start taking control of your money! I’ll be covering many topics to teach and encourage saving and debt freedom. Be sure to subscribe to my blog at ProsperityRx.com or to my podcast ProsperityRx to learn how to save money, make a budget, pay off your debt, reduce your taxes and invest for your future.

Also if you want to learn more about how to create extra income by starting a home business that requires no start up capital, no pyramid that requires a monthly auto shipment that cost you money every month instead of creating money, and no selling of lotions, or potions or pills, or quick magic diet aids that melt away inches in minutes or other such scam promotions visit http://AIMHighForSuccess.com.

Start Today!

Seek Clarity – Post 407

Most of us have the desire to either improve or we have a need or challenge in one or more areas in our life. My goal for this blog going forward is to bring valuable information on topics such as time management, money, faith or belief, developing new skills and habits, leadership development, health and wellness, and building better relationships.

Successful people are always the first to act on their desire to continually grow in all areas of their life. So on this blog I’ll be covering topics such as High Performance Habits by Brendon Burchard; Goal building, journaling, and time management skills from Jim Rohn; How to achieve Financial Peace by Dave Ramsey; and many, many more topics from folks like Robert Kiyosaki, John Maxwell, Bob Beaudine, Anthony Robbins, Napoleon Hill and many others.

My goal is to empower you to grow and continually transform yourself through personal development. My invitation is for you to get on this personal development road with me and the invitation is extended to everyone, but, few will join me.

Today we will be discussing Seeking Clarity.

Brendon Burchard in his book “High Performance Habits” says that one of the first habits to reach a higher level of performance personally and professionally is to Seek Clarity. To seek clarity on who you want to be, how you want to interact with others, what YOU want, and what will bring you the greatest meaning.

I invite you to take a sneak peek at what is possible when you seek clarity. I want you to think about those rare questions that most people simply don’t ask themselves. What kind of person do I want to be? What are my intentions and objectives? What if I decide to set and reach higher goals? What if I decide to go for my dreams? What if I can change certain unpleasant things about myself? What if I can significantly make a difference in the lives of others? What can I focus on that will bring me a sense of connection and fulfillment?

It’s from these questions that a new life begins to evolve. Satisfaction in life doesn’t come from focusing on what is automatic, easy or natural for us. It is the result of how we strive consciously to meet life’s harder challenges, to grow beyond our comforts and to deliberately understand, love, serve and lead others.

Personal Development opens up a whole new world of potential and possibilities. I believe the first step in personal development is to find clarity in your life so you can develop a roadmap on how to get from here, where you are today, to where you want to be.

I’ve been a pharmacist now for many years and I have been successful at it and I have a lot to be grateful for. I’ve put my kids through private school, I’ve built my dream home, and we’ve taken nice vacations over the years. It’s just that something inside just doesn’t feel right. I have this sense of frustration and a restlessness that even though life has been good there is something more out there. That I haven’t really found my “thing.” When the lights go out, after all these years of pushing hard in pharmacy my internal chatter starts scratching at my reality and I am sure that many of you have asked yourselves these same or similar questions.

Is all of the complexity I’ve created in my life even worth it?

Is this new direction I want to pursue the right direction for my family and me at this stage of our lives?

Things are good, so if I try something new will everyone think I’m crazy? Am I just being stupid or ungrateful?

I’m stretched pretty thin. Can I really give any more right now?

Am I really good enough to play at the next level?

Why am I starting to feel so distracted?

Why do my relationships feel sort of blah?

I’ve had so much success in my life why am I not more confident at this point in my life?

When these questions go unanswered for too long, an unraveing begins. Day-to-day motivation wanes. You begin felling restrained or unfulfilled. Your passion isn’t at the level it used to be but at least everyone at home and at work is fairly happy.

Ultimately the dissatisfaction spreads into relationships at home or work and others begin to notice. The stress of disappointment imparts a hard edge that loved ones begin to feel. Contribution at work falls off. Calls don’t get returned. Excitement, joy, and confidence are gone and with them goes performance.

I have some questions for you to reflect on.

Are you ready, really ready? Are you tired of being where you are and excited to get where you want to be?





Will you make the commitment to read? Thin about one great book you have read and the changes it brought about in your life. Now imagine what this next year is going to do for you!





If personal development is whole life, then which are of your life is in the best shape? Which is the worst? Take some time to think through where you are so you can evaluate where you stand and how you are going to grow in the next year.





How disciplined are you? Is it something you struggle with, or is it a strength?





Which are you more focused on: Intake (learning, gathering information) or output (doing, taking action)? We all have a bias, so to speak. The answer to this will determine how you need to make adjustments over the coming year.






Any or all of these are great ideas to get you moving toward your goal.

  1. Write down three great books you have read and three great books you want to read. Now, buy one – or pull it off the shelf and start. We recommend Jim’s The Five Major Pieces to the Life Puzzle, his The Seasons of Life, and Napoleon Hill’s book, Think and Grow Rich. If you have already read these books or just have something else in mind, that’s fine. Just start the process of reading daily. We recommend reading the Bible or a book that will spiritually enhance your life in the morning and reading what is on your recommended reading list at night.
  2. Take at least one tangible action to make yourself stronger in the following area that you are weakest in: Physical, Spiritual or Mental. For example, if you are weakest in the physical area, then walk a mile three times this week.
  3. Take an area you lack discipline in and set up a pattern for yourself to follow this week and then do it!
  4. Celebrate the fact that you have accepted the invitation to go on the journey of self-growth and personal development. Regardless of the challenges you may be facing, today is a new day, the beginning of infinite possibilities. As Jim said, “You cannot change your destination overnight, but you can change your direction.” Congratulations on taking that step.

Conversation Controlling Power Phrases – Post 406

Have you ever had the problem of how to transition a conversation in a way that you get permission to talk about what you can do to help?

When you are having a conversation with someone and you have uncovered a problem there is an easy way to transition to your solution. Here are a couple of quick phrases that you can use that allows you to get their permission and then to prepare the individual to mentally say “yes I want to hear what you have to say.”

Here is the first approach, they are talking about their problem and you are listening to them, here is what you say,

  • “I was thinking about what you were saying just a few minutes ago about your problem with……. It occurred to me that there might be a way to turn that around if you were interested in resolving it.”

Think about the power of that simple statement. You can reference any conversation whether it was today, last week, on Facebook, in an e-mail, wherever they made the statement, by using this simple phrase. No matter what the problem, health, energy, bills, etc. this phrase is powerful.

I was thinking about what you said last week about ……….. It occurred to me that there might be a way to turn that around if you were interested in resolving it.

Do you realize the power in that phrase, if you were interested in resolving it? What are they going to say, “No I like misery” or “no I like being broke.” There is no way that you are not going to get a positive answer from them.

It occurred to me that there might be a way to turn that around if you were interested in resolving…

What if they did respond with some negative response? “I’ve lived with it for so long I know there is no way to fix it.”

You respond with the magic word, WHY.

Why do you feel that way or why have you given up, or if there was something out there that might help you whywouldn’t you want to know how …?

Once they respond indicating that they want to hear what you say then you can proceed.

Another version that can be used in place of “It occurred to me” would be, “is this something you want to resolve or is this something  you are prepared to live with it.”

Try these phrases in your conversations and let me know what happened.

Keith Abell, RPh CIP MI
Save Money, Get Healthy, Earn Cash!


Hearing “No” Can Take Your Business to the Next Level! – Post 405

By Richard Fenton & Andrea Waltz

What if, starting today, the word “no” didn’t stop you?

What if every time you heard the word no, you became stronger, more powerful, and more resilient?

What if the greatest success strategy in the world was not to go for yes, but to go for no?

For people who are discouraged by the failure and rejection that can come with building their business, here is a concept that can inspire them in a totally new way. It is true: the word no doesn’t have to hinder you. In fact, it can empower you to achieve a whole new level of greatness you never dreamed possible.

In order to tap into the “power of no” the first thing you must do is Change your mental model of “success” and “failure.”

Most people operate with the following mental model:


They see themselves in the middle, with success on one end and failure on the other. They do everything they can to move toward success and away from failure. This is a recipe for average performance! But what if you reconfigured that model?


Instead of viewing failure as something to be avoided, turn it into a “stepping-stone” on the path to success and gratification. In other words: Success (yes) is the destination. Failure (no) is how you get there.

To achieve significant success in today’s world. Failure is not just a possibility, it’s a requirement. Look at the most successful business owners and what you will find behind their success is a person who went through failure (sometimes a lot of it!) along the journey.

Once you have changed your “mental model” you can move to the next important step in harnessing the power of no.

Stop Tolerating No and Start Embracing It!

Admittedly, this could be a little challenging at first. But, the question you need to ask is, when you hear no, what does that mean to you? How do you respond to it both internally, in your mind…and externally, in your actions?

This is important because it is this and this alone that ultimately spells the difference between long term success and failure for millions of people all over th planet. Not age. Not gender. Not training. Not skill. Not the product or service being offered. Not the economy. Nothing but this! Stop Tolerating No and Start Embracing It!

We are not suggesting that you simply tolerate failure, fighting your way through hearing no. We are suggesting that you embrace it. Like it. Learn to love it.

Are we saying that you must love “no” or you won’t succeed!

It is true that there are some people who never become comfortable with failure and rejection, yet are highly successful. These people keep “failing forward” in spite of their feelings.

If the same person could learn to do more than “tolerate” failure and rejection…and, perhaps, one day even learn to enjoy being rejected and hearing no, then the journey itself could also be rewarding, not just the destination.

So here’s an exercise for you to do right away. Starting tomorrow, every time someone tells you no, immediately say to yourself, “Great! I’m one step closer to yes.”

At first it’s going to feel really strange! And you’ll feel like you’re lying to yourself; but you’ll eventually find that hearing no will…in fact…start to be fun!

How High Is Your No-Quotient?

As you already know, I.Q. stands for Intelligence Quotient, and there’s nothing wrong with having a high IQ. But the number that really matters in life is your NQ, your No-Quotient-the number of times you are willing to hear no before succeeding…the number of times you are willing to get knocked down and then get back up, knowing full well that you are almost certain to get knocked back down again. That’s perhaps the most important number that determines greatness in today’s world.

When you peel away the outer layer – the glitz and glamour of what is seen on the surface – you will discover stories of what we might call “successful failures.”

Most professional who have achieved massive success are, in fact, “successful failures” living this philosophy every day as they build their business.

How would you like to be that next “successful failure?”

To learn more about Richard Fenton & Andrea Waltz best selling book “Go for No! Yes is the Destination, No is How You Get There” click the “Amazon” link below.

Your Mind is Like a Garden – Post 404

If you have been following this blog for any time you know that I write frequently about the power the mind has over our destiny. I truly believe that what we think about most is what manifest in our life. James Allen in his book “As a Man Thinketh” discusses how our mind is like a garden and whatever we allow to take root in our mind affects the outcome of our future.

He says, “Just as a gardener cultivates his plot, keeping it free from weeds, and growing the flowers and fruits, which he requires, so may a man tend the garden of his mind, weeding out all the wrong, useless, and impure thoughts, and cultivating toward perfection the flowers and fruits of right, useful, and pure thoughts. By pursuing this process, a man sooner or later discovers that he is the master gardener of his soul, the director of his life. He also reveals, within himself, the laws of thought, and understands, with ever-increasing accuracy, how the thought-forces and mind-elements operate in the shaping of his character, circumstances, and destiny.”

You can control your own destiny by controlling what goes into your mind. All  of the books you read, the thoughts you think, the TV you watch, the conversations you participate in, the people you associate with, and the music you listen to, these all combine to create your future.

What are you doing to sow the seeds for the life you want five years from now? Ten years from now?

Lets Talk! Contact me by visiting http://AIMHighWithKeith.com

What’s the TRUE cost of identity theft? – Post 403

What’s the TRUE cost of identity theft?

There is NO WAY to protect yourself from a data breach. Identity and Credit Theft are some of the fastest growing crimes in America today. Obviously, protecting yourself from them both is now more important than ever!


Protect you and your family now!. See this article on Equifax massive breach. Odds are, your private information is being sold.

Equifax says a giant cybersecurity breach compromised the personal information of as many as 143 million Americans — almost half the country.

Cyber criminals have accessed sensitive information — including names, social security numbers, birth dates, addresses, and the numbers of some driver’s licenses.

Additionally, Equifax said that credit card numbers for about 209,000 U.S. customers were exposed, as was “personal identifying information” on roughly 182,000 U.S. customers involved in credit report disputes. Residents in the U.K. and Canada were also impacted.

The breach occurred between mid-May and July, Equifax said. The company said it discovered the hack on July 29.

The data breach is one of the worst ever, by its reach and by the kind of information exposed to the public.

“This is clearly a disappointing event for our company, and one that strikes at the heart of who we are and what we do,” said Equifax chairman and CEO Richard F. Smith.

Equifax is one of three nationwide credit-reporting companies that track and rates the financial history of U.S. consumers. The companies are supplied with data about loans, loan payments and credit cards, as well as information on everything from child support payments, credit limits, missed rent and utilities payments, addresses and employer history, which all factor into credit scores.
Unlike other data breaches, not all of the people affected by the Equifax breach may be aware that they’re customers of the company. Equifax gets its data from credit card companies, banks, retailers, and lenders who report on the credit activity of individuals to credit reporting agencies, as well as by purchasing public records.

Equifax is mailing notices to people whose credit cards or dispute documents were affected.

It also says that consumers can check to see if they’ve potentially been impacted by submitting their name and the last six digits of their social security number. Users are given a date when they will be enrolled in free identity theft protection and credit file monitoring services. Equifax did not immediately reply to CNN Tech’s request for more information about the process.

“This is reason Number 10,000 to check your online bank statements and credit card statements on a regular basis, ideally weekly,” said Matt Schulz, senior industry analyst at CreditCards. com. “Bad guys can be very patient, so it’s important to keep an eye out long after this story fades from the headlines.”

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