CONSUMER
RECOMMENDATIONS
40 Insights
CONSUMER RECOMMENDATIONS
http://bewareofthedoghouse.com/video.aspx
1 – Pay by Credit Card
PAY BY CREDIT CARD
if something goes wrong it is so
much easier to cancel payment
CONSUMER RECOMMENDATIONS
1 – Pay by Credit Card
DEBIT CARDS BEWARE
You‘re account can be emptied
If cash is gone and you challenge
the transaction you have to
restore money while
challenge is pending
CONSUMER RECOMMENDATIONS
1 – Pay by Credit Card
2 – Debit Card – Beware
DEBIT CARDS BEWARE
You‘re account can be emptied
If cash is gone and you challenge
the transaction you have to
restore money while
challenge is pending
CONSUMER RECOMMENDATIONS
www.privacyrights.org
USE CREDIT UNIONS
INSTEAD OF BANKS
1 – Pay by Credit Card
2 – Debit Card – Beware
3 – Use Credit Unions
www.consumersavvytips.org
www.msn.moneycentral
CONSUMER RECOMMENDATIONS
MARRY THE
RIGHT
PERSON
CONSUMER RECOMMENDATIONS
1 – Pay by Credit Card
2 – Debit Card – Beware
3 – Use Credit Unions
4 – Marry the Right Person
http://www.newsweek.com/blogs/labnotes/2008/12/03/hourglass-figures-we-takeit-all-back.html
1 – Pay by Credit Card
2 – Debit Card – Beware
3 – Use Credit Unions
4 – Marry the Right Person
5 – Life Insurance
LIFE INSURANCE
One Policy
‘Point-of-Choice’ Sufficient
Term Life Insurance
Avoid ‘gimmick’ policies
Credit Life Insurance
Cancer Policies
Accidental Death and Dismemberment
‘Pre-need’ Mortuary Insurance
CONSUMER RECOMMENDATIONS
1 – Pay by Credit Card
2 – Debit Card – Beware
3 – Use Credit Unions
4 – Marry the Right Person
5 – Life Insurance
6 – Warranties – Generally Avoid
WARRANTIES ON
CONSUMER ITEMS
Generally Avoid
Exceptions:
Automobile – Original Warranty
Cell Phone
CONSUMER RECOMMENDATIONS
1 – Pay by Credit Card
2 – Debit Card – Beware
3 – Use Credit Unions
4 – Marry the Right Person
5 – Life Insurance
6 – Warranties – Generally Avoid
7 – Extended Warranties – Always Avoid
EXTENDED
WARRANTIES
Always Avoid
CONSUMER RECOMMENDATIONS
1 – Pay by Credit Card
2 – Debit Card – Beware
3 – Use Credit Unions
4 – Marry the Right Person
5 – Life Insurance
6 – Warranties – Generally Avoid
7 – Extended Warranties – Always Avoid
8 – Avoid Insurance Small Claims
INSURANCE
SMALL CLAIMS
Always Avoid
http://www.autoinsuranceconsumers.com/miscellaneous/smallclaims.php
CONSUMER RECOMMENDATIONS
1 – Pay by Credit Card
2 – Debit Card – Beware
3 – Use Credit Unions
4 – Marry the Right Person
5 – Life Insurance
6 – Warranties – Generally Avoid
7 – Extended Warranties – Always Avoid
8 – Avoid Insurance Small Claims
9 – Avoid Rent-to-Own Appliances
RENT-TO-OWN
APPLIANCES
Always Avoid
CONSUMER RECOMMENDATIONS
http://en.wikipedia.org/wiki/Rent-to-own
The United States Department of Defense
considers rent-to-own a predatory lending
practice (defined as an "unfair or abusive loan
or credit sale transaction or collection
practice"), and groups it with payday loans,
title loans, refund anticipation loans and other
similar practices.
1 – Pay by Credit Card
2 – Debit Card – Beware
3 – Use Credit Unions
4 – Marry the Right Person
5 – Life Insurance
6 – Warranties – Generally Avoid
7 – Extended Warranties – Always Avoid
8 – Avoid Insurance Small Claims
9 – Avoid Rent-to-Own Appliances
10 – Avoid Contests
AVOID CONTESTS
You win – lot’s of new junk mail
CONSUMER RECOMMENDATIONS
1 – Pay by Credit Card
2 – Debit Card – Beware
3 – Use Credit Unions
4 – Marry the Right Person
5 – Life Insurance
6 – Warranties – Generally Avoid
7 – Extended Warranties – Always Avoid
8 – Avoid Insurance Small Claims
9 – Avoid Rent-to-Own Appliances
10 – Avoid Contests
11 – Food Storage - Prosperous Menu
FOOD STORAGE
The MOST IMPORTANT
financial purchase
you’ll ever make!
PROSPEROUS
MENU PLANNING
CONSUMER RECOMMENDATIONS
1 – Pay by Credit Card
2 – Debit Card – Beware
3 – Use Credit Unions
4 – Marry the Right Person
5 – Life Insurance
6 – Warranties – Generally Avoid
7 – Extended Warranties – Always Avoid
8 – Avoid Insurance Small Claims
9 – Avoid Rent-to-Own Appliances
10 – Avoid Contests
11 – Food Storage - Prosperous Menu
12 – Avoid over-the-phone purchases
OVER THE PHONE
PURCHASES
Make that ‘do not call’ call
CONSUMER RECOMMENDATIONS
1 – Pay by Credit Card
2 – Debit Card – Beware
3 – Use Credit Unions
4 – Marry the Right Person
5 – Life Insurance
6 – Warranties – Generally Avoid
7 – Extended Warranties – Always Avoid
8 – Avoid Insurance Small Claims
9 – Avoid Rent-to-Own Appliances
10 – Avoid Contests
11 – Food Storage - Prosperous Menu
12 – Avoid over-the-phone purchases
PERSONAL
INFORMATION
OVER THE PHONE
Never provide unless it is
an obviously reputable
company
CONSUMER RECOMMENDATIONS
13 – Never provide personal information
DIETS
Little evidence of success
Best Program – Weight Watchers
Best Answers:
Eat Less
Eat nutritionally balanced meals
Exercise
http://www.nejm.org/doi/full/10.1056/NEJMoa0804748
CONSUMER RECOMMENDATIONS
1 – Pay by Credit Card
2 – Debit Card – Beware
3 – Use Credit Unions
4 – Marry the Right Person
5 – Life Insurance
6 – Warranties – Generally Avoid
7 – Extended Warranties – Always Avoid
8 – Avoid Insurance Small Claims
9 – Avoid Rent-to-Own Appliances
10 – Avoid Contests
11 – Food Storage - Prosperous Menu
12 – Avoid over-the-phone purchases
13 – Never provide personal information
14 – Diets – Eat Less / Save Money
1 – Pay by Credit Card
2 – Debit Card – Beware
3 – Use Credit Unions
4 – Marry the Right Person
5 – Life Insurance
6 – Warranties – Generally Avoid
7 – Extended Warranties – Always Avoid
8 – Avoid Insurance Small Claims
9 – Avoid Rent-to-Own Appliances
10 – Avoid Contests
11 – Food Storage - Prosperous Menu
12 – Avoid over-the-phone purchases
WEALTH OF
GREAT HEALTH
You have to care
Perform regular wellness profiles
Get regular physical examinations
Minimize ‘at risk’ health profiles
CONSUMER RECOMMENDATIONS
13 – Never provide personal information
14 – Diets – Eat Less / Save Money
15 – Wealth of Great Health
Annual Federal Revenue
$ 247 Billion
1 – Pay by Credit Card
2 – Debit Card – Beware
3 – Use Credit Unions
4 – Marry the Right Person
5 – Life Insurance
6 – Warranties – Generally Avoid
7 – Extended Warranties – Always Avoid
8 – Avoid Insurance Small Claims
9 – Avoid Rent-to-Own Appliances
10 – Avoid Contests
11 – Food Storage - Prosperous Menu
12 – Avoid over-the-phone purchases
REGULARLY
GIVE BLOOD
It’s a great ‘free’ medical examination
‘Recycling’ is good for everyone
CONSUMER RECOMMENDATIONS
13 – Never provide personal information
14 – Diets – Eat Less / Save Money
15 – Wealth of Great Health
16 – Give Blood
GET A FLU SHOT
1 – Pay by Credit Card
2 – Debit Card – Beware
3 – Use Credit Unions
4 – Marry the Right Person
5 – Life Insurance
6 – Warranties – Generally Avoid
7 – Extended Warranties – Always Avoid
8 – Avoid Insurance Small Claims
9 – Avoid Rent-to-Own Appliances
10 – Avoid Contests
11 – Food Storage - Prosperous Menu
12 – Avoid over-the-phone purchases
13 – Never provide personal information
14 – Diets – Eat Less / Save Money
15 – Wealth of Great Health
16 – Give Blood – Get a flu shot
http://www.npr.org/templates/story/s
tory.php?storyId=97780307
CONSUMER RECOMMENDATIONS
1 – Pay by Credit Card
2 – Debit Card – Beware
3 – Use Credit Unions
4 – Marry the Right Person
5 – Life Insurance
6 – Warranties – Generally Avoid
7 – Extended Warranties – Always Avoid
8 – Avoid Insurance Small Claims
9 – Avoid Rent-to-Own Appliances
10 – Avoid Contests
11 – Food Storage - Prosperous Menu
12 – Avoid over-the-phone purchases
INSPECTIONS
HOME AND AUTO
Never purchase without an inspection
CONSUMER RECOMMENDATIONS
13 – Never provide personal information
14 – Diets – Eat Less / Save Money
15 – Wealth of Great Health
16 – Give Blood – Get a flu shot
17 – Home and Auto Inspections
1 – Pay by Credit Card
2 – Debit Card – Beware
3 – Use Credit Unions
4 – Marry the Right Person
5 – Life Insurance
6 – Warranties – Generally Avoid
7 – Extended Warranties – Always Avoid
8 – Avoid Insurance Small Claims
9 – Avoid Rent-to-Own Appliances
10 – Avoid Contests
11 – Food Storage - Prosperous Menu
12 – Avoid over-the-phone purchases
RECREATIONAL
VEHICLES AND
CABINS
Rent – Don’t Own
CONSUMER RECOMMENDATIONS
13 – Never provide personal information
14 – Diets – Eat Less / Save Money
15 – Wealth of Great Health
16 – Give Blood – Get a flu shot
17 – Home and Auto Inspections
18 – Recreational Assets – Rent
1 – Pay by Credit Card
2 – Debit Card – Beware
3 – Use Credit Unions
4 – Marry the Right Person
5 – Life Insurance
6 – Warranties – Generally Avoid
7 – Extended Warranties – Always Avoid
8 – Avoid Insurance Small Claims
9 – Avoid Rent-to-Own Appliances
10 – Avoid Contests
11 – Food Storage - Prosperous Menu
12 – Avoid over-the-phone purchases
REAL ESTATE
TIME SHARE
Only in the secondary market
CONSUMER RECOMMENDATIONS
13 – Never provide personal information
14 – Diets – Eat Less / Save Money
15 – Wealth of Great Health
16 – Give Blood – Get a flu shot
17 – Home and Auto Inspections
18 – Recreational Assets – Rent
19 – Time Share – only secondary market
1 – Pay by Credit Card
2 – Debit Card – Beware
3 – Use Credit Unions
4 – Marry the Right Person
5 – Life Insurance
6 – Warranties – Generally Avoid
7 – Extended Warranties – Always Avoid
8 – Avoid Insurance Small Claims
9 – Avoid Rent-to-Own Appliances
10 – Avoid Contests
11 – Food Storage - Prosperous Menu
12 – Avoid over-the-phone purchases
FAST CASH
ANYTHING
Always avoid:
‘Pay day’ loans
‘Title’ loans
‘Tax anticipation’ loans
‘Every is approved’ loans
http://en.wikipedia.org/wiki/Rent-to-own
CONSUMER RECOMMENDATIONS
13 – Never provide personal information
14 – Diets – Eat Less / Save Money
15 – Wealth of Great Health
16 – Give Blood – Get a flu shot
17 – Home and Auto Inspections
18 – Recreational Assets – Rent
19 – Time Share – only secondary market
20 – Avoid ‘fast cash’ anything
The United States Department of Defense
considers rent-to-own a predatory lending
practice (defined as an "unfair or abusive loan
or credit sale transaction or collection
practice"), and groups it with payday loans,
title loans, refund anticipation loans and other
similar practices.
HOME ‘WHERE SMART BEGINS’
PURCHASING FURMULA
HIGHEST BREADWINNER monthly income
(-) Monthly Obligations:
Debt Payments
Tithing
= Net Monthly Income
(x) 35%
= Maximum Monthly Payment
Avoid Gimmick Loans
Adjustable Rate Interest / Interest Only
THE ‘SMARTER’ HOME
1 – Pay by Credit Card
2 – Debit Card – Beware
3 – Use Credit Unions
4 – Marry the Right Person
5 – Life Insurance
6 – Warranties – Generally Avoid
7 – Extended Warranties – Always Avoid
8 – Avoid Insurance Small Claims
9 – Avoid Rent-to-Own Appliances
10 – Avoid Contests
11 – Food Storage - Prosperous Menu
12 – Avoid over-the-phone purchases
13 – Never provide personal information
14 – Diets – Eat Less / Save Money
15 – Wealth of Great Health
16 – Give Blood – Get a flu shot
17 – Home and Auto Inspections
18 – Recreational Assets – Rent
19 – Time Share – only secondary market
20 – Avoid ‘fast cash’ anything
21 – Home 'Where Smart Begins'
The ‘McMansion’ – the size
Used are better – the new home smell
Well established neighborhoods – the neighbors
CONSUMER RECOMMENDATIONS
http://money.cnn.com/2010/08/26/real_estate/the_typical_home
owner/index.htm
1 – Pay by Credit Card
2 – Debit Card – Beware
3 – Use Credit Unions
4 – Marry the Right Person
5 – Life Insurance
6 – Warranties – Generally Avoid
7 – Extended Warranties – Always Avoid
8 – Avoid Insurance Small Claims
9 – Avoid Rent-to-Own Appliances
10 – Avoid Contests
11 – Food Storage - Prosperous Menu
12 – Avoid over-the-phone purchases
EQUITY LOANS
DEBT
CONSOLIDATION
LOANS
Avoid the temptation
CONSUMER RECOMMENDATIONS
13 – Never provide personal information
14 – Diets – Eat Less / Save Money
15 – Wealth of Great Health
16 – Give Blood – Get a flu shot
17 – Home and Auto Inspections
18 – Recreational Assets – Rent
19 – Time Share – only secondary market
20 – Avoid ‘fast cash’ anything
21 – Home 'Where Smart Begins'
22 – Home equity – debt consolidation
1 – Pay by Credit Card
2 – Debit Card – Beware
3 – Use Credit Unions
4 – Marry the Right Person
5 – Life Insurance
6 – Warranties – Generally Avoid
7 – Extended Warranties – Always Avoid
8 – Avoid Insurance Small Claims
9 – Avoid Rent-to-Own Appliances
10 – Avoid Contests
11 – Food Storage - Prosperous Menu
12 – Avoid over-the-phone purchases
AVOID
OBLIGATING
BOTH INCOMES
At greatest risk of bankruptcy
CONSUMER RECOMMENDATIONS
13 – Never provide personal information
14 – Diets – Eat Less / Save Money
15 – Wealth of Great Health
16 – Give Blood – Get a flu shot
17 – Home and Auto Inspections
18 – Recreational Assets – Rent
19 – Time Share – only secondary market
20 – Avoid ‘fast cash’ anything
21 – Home 'Where Smart Begins'
22 – Home equity – debt consolidation
23 – Avoid ‘obligating’both incomes
1 – Pay by Credit Card
2 – Debit Card – Beware
3 – Use Credit Unions
4 – Marry the Right Person
5 – Life Insurance
6 – Warranties – Generally Avoid
7 – Extended Warranties – Always Avoid
8 – Avoid Insurance Small Claims
9 – Avoid Rent-to-Own Appliances
10 – Avoid Contests
11 – Food Storage - Prosperous Menu
12 – Avoid over-the-phone purchases
ALWAYS HAVE
HEALTH
INSURANCE
At greatest risk of bankruptcy
CONSUMER RECOMMENDATIONS
13 – Never provide personal information
14 – Diets – Eat Less / Save Money
15 – Wealth of Great Health
16 – Give Blood – Get a flu shot
17 – Home and Auto Inspections
18 – Recreational Assets – Rent
19 – Time Share – only secondary market
20 – Avoid ‘fast cash’ anything
21 – Home 'Where Smart Begins'
22 – Home equity – debt consolidation
23 – Avoid ‘obligating’both incomes
24 – Always have health insurance
1 – Pay by Credit Card
2 – Debit Card – Beware
3 – Use Credit Unions
4 – Marry the Right Person
5 – Life Insurance
6 – Warranties – Generally Avoid
7 – Extended Warranties – Always Avoid
8 – Avoid Insurance Small Claims
9 – Avoid Rent-to-Own Appliances
10 – Avoid Contests
11 – Food Storage - Prosperous Menu
12 – Avoid over-the-phone purchases
AVOID ‘UP-FRONT’ FEES
For most all professional services
CONSUMER RECOMMENDATIONS
13 – Never provide personal information
14 – Diets – Eat Less / Save Money
15 – Wealth of Great Health
16 – Give Blood – Get a flu shot
17 – Home and Auto Inspections
18 – Recreational Assets – Rent
19 – Time Share – only secondary market
20 – Avoid ‘fast cash’ anything
21 – Home 'Where Smart Begins'
22 – Home equity – debt consolidation
23 – Avoid ‘obligating’both incomes
24 – Always have health insurance
25 – Avoid ‘up-front fees’
C.I.A.
www.privacyrights.org
Check those who are
checking on you
CONSUMER RECOMMENDATIONS
1 – Pay by Credit Card
2 – Debit Card – Beware
3 – Use Credit Unions
4 – Marry the Right Person
5 – Life Insurance
6 – Warranties – Generally Avoid
7 – Extended Warranties – Always Avoid
8 – Avoid Insurance Small Claims
9 – Avoid Rent-to-Own Appliances
10 – Avoid Contests
11 – Food Storage - Prosperous Menu
12 – Avoid over-the-phone purchases
13 – Never provide personal information
14 – Diets – Eat Less / Save Money
15 – Wealth of Great Health
16 – Give Blood – Get a flu shot
17 – Home and Auto Inspections
18 – Recreational Assets – Rent
19 – Time Share – only secondary market
20 – Avoid ‘fast cash’ anything
21 – Home 'Where Smart Begins'
22 – Home equity – debt consolidation
23 – Avoid ‘obligating’both incomes
24 – Always have health insurance
25 – Avoid ‘up-front fees’
26 – C.I.A.
26 – C.I.A.
27 – Large Purchases
Large Purchases
Sleep on it for at least one night
Mentor – someone who doesn’t make
money on your purchase
CONSUMER RECOMMENDATIONS
26 – C.I.A.
27 – Large Purchases
28 – Credit Card 'Rewards' - Take the Cash
http://personal.fidelity.com/misc/buffers/retirement-rewards-card.shtml.cvsr
CREDIT CARD
‘REWARDS’
Take the CASH
CONSUMER RECOMMENDATIONS
26 – C.I.A.
27 – Large Purchases
28 – Credit Card 'Rewards' - Take the Cash
29 – Debit Card 'Rewards' - Take the Cash
DEBIT CARD
‘REWARDS’
Take the CASH
CONSUMER RECOMMENDATIONS
26 – C.I.A.
27 – Large Purchases
28 – Credit Card 'Rewards' - Take the Cash
29 – Debit Card 'Rewards' - Take the Cash
30 – Internet Information Source
INTERNET
INFORMATION
SOURCES
Free information phenomena
S.I.O.U.
Surprisingly
Insightful
Objective
and User Friendly
CONSUMER RECOMMENDATIONS
26 – C.I.A.
27 – Large Purchases
28 – Credit Card 'Rewards' - Take the Cash
29 – Debit Card 'Rewards' - Take the Cash
30 – Internet Information Source
31 – Business ‘Opportunities’
BUSINESS
‘OPPORTUNITIES’
Carefully consider the
probability of success
The Best – Franchises – 95% Success
The Worst – Multi-level Marketing – 99.9% Failure
‘Big Money’ schemes:
Real Estate Investor Seeks Apprentice
Part-time work at home for $20,000 month
CONSUMER RECOMMENDATIONS
26 – C.I.A.
27 – Large Purchases
28 – Credit Card 'Rewards' - Take the Cash
29 – Debit Card 'Rewards' - Take the Cash
30 – Internet Information Source
31 – Business ‘Opportunities’
32 – Education Ingenuity
EDUCATION
INGENUITY
Plan early
Creative Ingenious Teenage
Scholarships, Grants, etc.
Keep applying even while in college
http://www.getrichslowly.org/blog/2010/10/17/reader-storyscholarships-for-fun-and-profit/
CONSUMER RECOMMENDATIONS
26 – C.I.A.
27 – Large Purchases
28 – Credit Card 'Rewards' - Take the Cash
29 – Debit Card 'Rewards' - Take the Cash
30 – Internet Information Source
31 – Business ‘Opportunities’
32 – Education Ingenuity
33 – Six Career Absolutes
SIX CAREER KEYS
C
Cash – a ‘Living’ Salary
A
Advancement Potential
R
Retirement Benefit – 401(k) with Match
E
Education Benefit
E
Enlightened Professional Growth Path
R
Risk Management – HSA Health Insurance
CONSUMER RECOMMENDATIONS
FINANCIAL
DISCIPLINE
26 – C.I.A.
27 – Large Purchases
28 – Credit Card 'Rewards' - Take the Cash
29 – Debit Card 'Rewards' - Take the Cash
30 – Internet Information Source
31 – Business ‘Opportunities’
32 – Education Ingenuity
33 – Six Career Absolutes
34 – Financial Resource Discipline
Six Levels of ‘Budgeting’
1 - Keeping Track of Expenses
2 - Summarize Expenses in Categories
3 - Projecting Categories for Next Year
4 - Limiting Expenses within Categories
5 - Planning to Reduce Expenses
MILLION DOLLAR CHOICESTM
CONSUMER RECOMMENDATIONS
ESTATE
PLANNING
26 – C.I.A.
27 – Large Purchases
28 – Credit Card 'Rewards' - Take the Cash
29 – Debit Card 'Rewards' - Take the Cash
30 – Internet Information Source
31 – Business ‘Opportunities’
32 – Education Ingenuity
33 – Six Career Absolutes
34 – Financial Resource Discipline
35 – Estate Planning – Make a Will
EIGHT KEY DOCUMENTS
1 – Will
2 – Living Trust
3 – Living Will
4 – Power-of-Attorney for Health Care
5 – Durable Power-of-Attorney
6 – Life History
7 – “I didn’t know I wouldn’t be here to say good-bye”
8 – Family Medical History
2010 – Copy of Will Maker Plus on www.ebay.com – $14.99
CONSUMER RECOMMENDATIONS
26 – C.I.A.
27 – Large Purchases
28 – Credit Card 'Rewards' - Take the Cash
29 – Debit Card 'Rewards' - Take the Cash
30 – Internet Information Source
31 – Business ‘Opportunities’
32 – Education Ingenuity
33 – Six Career Absolutes
34 – Financial Resource Discipline
35 – Estate Planning – Make a Will
36 – Consumer Purchasing
CONSUMER PURCHASES
www.consumersearch.com
www.pricegrabbers.com
CONSUMER RECOMMENDATIONS
PROSPEROUS
MENU
PLANNING
TWO WEEK MEAL MENU
1 – Multiply into one year pantry
2 – Purchase in bulk
3 – Purchase on sale
4 – Foods that can be stored
5 – Meals that are nutritional
6 – Meals that kids will eat
7 – Alternative to excessive eating out
CONSUMER RECOMMENDATIONS
26 – C.I.A.
27 – Large Purchases
28 – Credit Card 'Rewards' - Take the Cash
29 – Debit Card 'Rewards' - Take the Cash
30 – Internet Information Source
31 – Business ‘Opportunities’
32 – Education Ingenuity
33 – Six Career Absolutes
34 – Financial Resource Discipline
35 – Estate Planning – Make a Will
36 – Consumer Purchasing
37 – Prosperous Menu Planning
PRESCRIPTION
MEDICATIONS
26 – C.I.A.
27 – Large Purchases
28 – Credit Card 'Rewards' - Take the Cash
29 – Debit Card 'Rewards' - Take the Cash
30 – Internet Information Source
31 – Business ‘Opportunities’
32 – Education Ingenuity
33 – Six Career Absolutes
34 – Financial Resource Discipline
35 – Estate Planning – Make a Will
36 – Consumer Purchasing
37 – Prosperous Menu Planning
38 – Prescription Medications
GREAT CHOICES
www.costco.com
www.walmart.com
www.destinationrx.com
BYU Student Medical Center
Patient Assistance Program
Recurring Prescriptions over $50
CONSUMER RECOMMENDATIONS
IDENTIFY
THEFT
SERVICES
Not worth the money
www.privacyrights.org
26 – C.I.A.
27 – Large Purchases
28 – Credit Card 'Rewards' - Take the Cash
29 – Debit Card 'Rewards' - Take the Cash
30 – Internet Information Source
31 – Business ‘Opportunities’
32 – Education Ingenuity
33 – Six Career Absolutes
34 – Financial Resource Discipline
35 – Estate Planning – Make a Will
36 – Consumer Purchasing
37 – Prosperous Menu Planning
38 – Prescription Medications
39 – Identity Theft Services
CONSUMER RECOMMENDATIONS
TEACH
CHILDREN
By example
26 – C.I.A.
27 – Large Purchases
28 – Credit Card 'Rewards' - Take the Cash
29 – Debit Card 'Rewards' - Take the Cash
30 – Internet Information Source
31 – Business ‘Opportunities’
32 – Education Ingenuity
33 – Six Career Absolutes
34 – Financial Resource Discipline
35 – Estate Planning – Make a Will
36 – Consumer Purchasing
37 – Prosperous Menu Planning
38 – Prescription Medications
39 – Identity Theft Services
40 – Teach Your Children
80% Chance – Just like you
EOC – serious threat to future assets
Creative-Ingenious Teenage Opportunities
Pay for some or all of education and mission experiences
CONSUMER RECOMMENDATIONS
26 – C.I.A.
27 – Large Purchases
28 – Credit Card 'Rewards' - Take the Cash
29 – Debit Card 'Rewards' - Take the Cash
30 – Internet Information Source
31 – Business ‘Opportunities’
32 – Education Ingenuity
33 – Six Career Absolutes
34 – Financial Resource Discipline
35 – Estate Planning – Make a Will
36 – Consumer Purchasing
37 – Saving
38 – Prosperous Menu Planning
39 – Prescription Medications
40 – Identity Theft Services
41 – Teach Children by Example
42 –
43 –
44 –
45 –
46 –
47 –
48 –
49 –
50 –
51 –
CONSUMER RECOMMENDATIONS