Healthy Finances>

"Earning a lot of money has nothing to do with age, education, gender, geography, your past experience or your background. Brilliant people frequently remain poor while those not so bright often earn millions. To earn a lot of money you just have to make a decision. Remember school never taught anyone how to earn money, you must teach your children. Make that decision."        Bob Proctor

After Jared died we started "grief spending" to make us feel better.  It was kind of depressing when the debt started piling up.  Although we are recuperating from our out of control spending, we are making progress only because we have defined our debt problem. (Not counting our home, in 2011 we became debt free and we are resolved to stay free of debt.)  Having healthy finances, and the knowledge to become independent of debt, with money in the bank for retirement, is the American Dream.  Many people become depressed and unhappy when they even think about their financial situation.  A Healthy Financial Balance is an important key to each family and individual. 

Below are some helpful goals, stories, advice, and education, some serious and some to make you laugh.  You can also check out the "Balance" VIP Links page.  Be sure to check out the books from Amazon too.  I've picked out books that I, or my family owns.  Books are cheaper than financial advisors and lawyers.  Do all you can do for yourself and then consult with the talented financial advisors and CPA's who are trained professionals when problems arise.  Good luck in your Journey towards Healthy Finances.

Lots of love from Brenda (Jared's Mom)
 

GOAL SETTING FOR HEALTHY FINANCES:

  • What am I reading to support Healthy Finances?
  • Do I save money by recycling, reusing, fixing, and properly organizing my families possessions?
  • Am I staying out of debt and/or have a plan for debt reduction?
  • Does every member of the family have a savings account?
  • Am I planning for retirement by taking the time to learn about investments, interest rates, and retirement accounts?
  • Am I keeping good financial records and budgeting my money?
  • What are my financial assets, and what are my liabilities? 
  • Does my spouse know where the insurance policies are? 
  • Do I have a will or a Trust?
  • Death and Taxes - Have I prepared for both? (Pre-arranged funeral expenses and a good tax advisor)

What is your share of the U.S. debt?

     
    Preventing Check & Credit Card Fraud 
    A corporate attorney sent this out to the employees in his company.   FYI...

    The next time you order checks have only your initials (instead of first name) and last name put on them.  If someone takes your checkbook they will not know if you sign your checks with just your initials or your first name
    but your bank will know how you sign your checks.

    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.

    Put your work phone # on your checks instead of your home phone.  If you have a PO Box use that instead of your home number. 

    Never have your SS# printed on your checks.   You can always add it by hand if is necessary, but if you have it printed, anyone can get it.

    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 us in your name, address, SS#, credit, etc.  Unfortunately I have firsthand knowledge, because my wallet was stolen last month.  Within a week the thieve(s) 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. 

  • Call the three national credit-reporting organizations immediately to place a fraud alert on your name and Social Security number. 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, and,
  • Cancel your 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 phone numbers where you can find them easily. 
  • File a police report immediately in the jurisdiction where it was stolen, this proves to credit providers you were diligent,  and is a first step toward an investigation  (if there ever is one). 
  • But here's what is perhaps most important: (I never ever thought to do this) - Call the three national credit reporting organizations immediately to place a fraud alert on your name and SS#.>>>
By the time I was advised to do all this, almost 2 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 in their tracks.
    The numbers are:
    Equifax: 1-800-525-6285
    Experian (formerly TRW): 1-888-397-3742
    Trans Union: 1-800-680-7289
    Social Security Administration (fraud line): 1-800-269-0271
RETIREMENT WITH A GRIN at the INN - By Unknown

Recently I was checking my 401k account and thinking about retirement, as everyone does when they hit their 60's. I saw an article about nursing and retirement homes and their expenses. Then it hit me...

No nursing home for me!

Here is my plan: I'm checking into the Inn!

With the average cost for a nursing home reaching $188 per day, there is a better way when we get old and feeble. I checked on reservations at the Inn and found that for a combined long-term stay discount and senior discount, it's $49.23 per night. That leaves $138.77 a day for breakfast, lunch, dinner in any restaurant I want, or room service, (and some hotels are now offering a complimentary breakfast every morning, too).

This will leave enough for laundry, gratuities, and special TV movies.  Plus, I'll get a swimming pool, a workout room, a lounge, and washer and dryer. I'll also get free toothpaste, razors, shampoo and soap. And one can't forget the daily changed bath towels, plenty of toilet Paper, ice for my water and pop, free paper cups and a free newspaper at my door in the morning.

And I'll be treated like a customer, not a patient. Five dollars worth of tips a day will have the entire staff scrambling to help me.

There is a city bus stop out front, and seniors ride free. The handicap bus will also pick me up if I fake a decent limp. To meet other nice folks you can call for a church bus on Sundays. For a change of scenery, take the airport shuttle bus and eat at one of the nice restaurants there. While you're at the airport, fly somewhere. Meanwhile, the cash keeps building up....

In a retirement home, 24/7 nurse service will cost more than $190 - so staying at the Inn and paying for a personal nurse may still be the better option.  And if I'm really lucky, I might find a Hotel next to a hospital, which means I'll only have a 1 minute ambulance ride!

The Inn also has a lounge so I have a place to visit with friends.  And no worries about visits from family. They will always be glad to visit you, and probably check in for a few days for a mini vacation. The grand kids can use the pool. What more can you ask for?

When I discussed my plan with friends, they came up with even more benefits that Inn provides retirees. Most standard rooms have coffee makers, reclining chairs, and as mentioned earlier, a satellite TV - all that's needed to enjoy a cozy afternoon. After a movie and a good nap, you can check on your children (free local phone calls), then take a stroll to the lounge or restaurant where you meet new and exotic people every day.

Many Inns even feature live entertainment on the weekends. Often they have special offers, too, like the Kids Eat Free program. You can invite your grand kids over after school to have a free dinner with you. Just tell them not to bring more than three friends

Pick an Inn where they allow pets, and your best friend can keep you company as well.

If you want to travel, but are a bit skittish about unfamiliar surroundings, you'll always feel at home because wherever you go, the rooms all look the same. And if you're getting a little absent-minded in your old days, you never have to worry about not finding your room -- your electronic key fits only one door and the helpful bell man or desk clerk is on duty 24/7.

Being natural skeptics, we called an Inn to check out the feasibility of my plan. I'm happy to report that they were positively giddy at the idea of us checking in for a year or more. They even offered to negotiate the rate. We could have easily knocked them down to $40 a night! "So, when I reach the golden age I'll face it with a grin. Just forward all your emails to the Inn!"
 

    A couple of fun, find some hidden money, websites:

    www.unclaimed.org & www.treasurehunt.com

     

    "'Now, I, the Lord, am not well pleased with the inhabitants of Zion, for there are idlers among them; and their children are also growing up in wickedness; they also seek not earnestly the riches of eternity, but their eyes are full of greediness.  'These things ought not to be, and must be done away from among them,' (D&C 68:31-32). We see evidence of many parents who overindulge their children without adding sufficient training about the value of work." 

        ~ L. Tom Perry

     

Important Links for JaredStory Visitors

About Bullying

 

Free Bully Police E-Book

All About Bullying

Get PDF file Here

About Depression

 

Free Bully Police E-Book

Parents & Kids Dealing

With Bullying

Get PDF file Here

Bullying Stories

 

Free Bully Police E-Book

Stop CyberBullies!

Get PDF file Here

'Been There, Done That'

 

Dealing With Grief

 

The Meaning of Life

My gift to you

About Suicide

THINKING of SUICIDE?

800-999-9999

..

About Bullycide

The Lawsuit &

Legal Resources

 

Free Bully Police E-Book

Stop the Bullying - for Educators

Get PDF file Here

Jared's Life

Friends & Family

 

Laughter is Healing

Vip Links

Map Page

Life in Balance

BODY - FAMILY

FINANCES - MIND

SOCIETY - SPIRIT

Brenda's Websites

BullyPolice.org & BullyPolice.com

Bullycide.org

 

About Jared's Mom - BrendaHigh.com

Contacting Brenda

 

Moms Speak Out!

Order on Amazon

Bullycide in America

Many have asked,

"What is Depression?"

 

Here is a PDF of a chapter

from my book,

"Bullycide in America",

that will give readers an

understanding of this

horrible problem

facing millions of

people every day.

 

WhatisDepression.pdf

Free Bully Police E-Books

..

Stop the Bullying - for Educators

Get PDF file Here

 

All About Bullying

Get PDF file Here

 

Parents & Kids

Dealing With Bullying

Get PDF file Here

 

Stop the Bullying - for Educators

Get PDF file Here

About Depression

'Been There, Done That'

Jared's Life

Friends & Family

 

LIFE in BALANCE

Body

"I went on a diet for

two weeks and all

I lost was 14 days"

Finances

"He who understands

interest collects it;

He who doesn't under-

stand interest, pays it!"

Mind

"Where you will be five years

from now will depend on the books

you read, what you listen to and

the people you associate with"

Spirit

We must find the

answers to these

Three questions:

 

Where did I come from?

 

Why am I here? and

 

Where am I going

after this life?

Family

..A Parent's role

..........

0-5 = Director - Controls all

...

5-8 = Manager - Arranges things

...

8-14 = Guide Coach - Shows how

...

14-19 = Advisor - Offers suggestions

...

19+ = Consultant - Responds to requests

Society

"One man awake, awakens another.

The second awakens

his next door brother.

 

The three awake can rouse a town,

By turning the whole place

upside down.

 

The many awake can make such a fuss,

It finally awakens the rest of us.

One man up with dawn in his eyes,

Surely then multiplies."

 

The Best Home Business Opportunities