CONSUMER RECOMMENDATIONS 40 Insights CONSUMER RECOMMENDATIONS.

CONSUMER RECOMMENDATI

ONS

40 Insights

http://bewareofthedoghouse.com/video.aspxCONSUMER RECOMMENDATIONS

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 whilechallenge is pending

CONSUMER RECOMMENDATIONS

1 – Pay by Credit Card

DEBIT CARDS BEWARE

You‘re account can be emptied

2 – Debit Card – Beware

If cash is gone and you challenge

the transaction you have to restore money whilechallenge is pending

www.privacyrights.org

1 – Pay by Credit Card

CONSUMER RECOMMENDATIONS

USE CREDIT UNIONSINSTEAD OF BANKS

www.consumersavvytips.org

2 – Debit Card – Beware3 – Use Credit Unions

CONSUMER RECOMMENDATIONS

www.msn.moneycentral

1 – Pay by Credit Card

2 – Debit Card – Beware

MARRY THE RIGHT

PERSON

3 – Use Credit Unions4 – Marry the Right Person

1 – Pay by Credit Card

CONSUMER RECOMMENDATIONS

http://www.newsweek.com/blogs/lab-notes/2008/12/03/hourglass-figures-we-take-it-all-back.html

1 – Pay by Credit Card2 – Debit Card – Beware

LIFE INSURANCE

3 – Use Credit Unions4 – Marry the Right Person

Term Life Insurance

Avoid ‘gimmick’ policiesCredit Life InsuranceCancer Policies

Accidental Death and Dismemberment‘Pre-need’ Mortuary Insurance

5 – Life Insurance

One Policy

‘Point-of-Choice’ Sufficient

CONSUMER RECOMMENDATIONS

1 – Pay by Credit Card2 – Debit Card – Beware3 – Use Credit Unions4 – Marry the Right Person5 – Life Insurance

WARRANTIES ON CONSUMER

ITEMS

6 – Warranties – Generally Avoid

Generally Avoid

Exceptions:

Automobile – Original WarrantyCell Phone

CONSUMER RECOMMENDATIONS

1 – Pay by Credit Card2 – Debit Card – Beware3 – Use Credit Unions4 – Marry the Right Person5 – Life Insurance

EXTENDED WARRANTIES

6 – Warranties – Generally Avoid

Always Avoid

7 – Extended Warranties – Always Avoid

CONSUMER RECOMMENDATIONS

1 – Pay by Credit Card2 – Debit Card – Beware3 – Use Credit Unions4 – Marry the Right Person5 – Life Insurance

INSURANCE SMALL CLAIMS

6 – Warranties – Generally Avoid

Always Avoid

7 – Extended Warranties – Always Avoid8 – Avoid Insurance Small Claims

CONSUMER RECOMMENDATIONS

http://www.autoinsuranceconsumers.com/miscellaneous/smallclaims.php

1 – Pay by Credit Card2 – Debit Card – Beware3 – Use Credit Unions4 – Marry the Right Person5 – Life Insurance

RENT-TO-OWN APPLIANCES

6 – Warranties – Generally Avoid

Always Avoid

7 – Extended Warranties – Always Avoid8 – Avoid Insurance Small Claims9 – Avoid Rent-to-Own Appliances

CONSUMER RECOMMENDATIONS

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.

http://en.wikipedia.org/wiki/Rent-to-own

1 – Pay by Credit Card2 – Debit Card – Beware3 – Use Credit Unions4 – Marry the Right Person5 – Life Insurance

AVOID CONTESTS

6 – Warranties – Generally Avoid

You win – lot’s of new junk mail

7 – Extended Warranties – Always Avoid8 – Avoid Insurance Small Claims9 – Avoid Rent-to-Own Appliances10 – Avoid Contests

CONSUMER RECOMMENDATIONS

1 – Pay by Credit Card2 – Debit Card – Beware3 – Use Credit Unions4 – Marry the Right Person5 – Life Insurance

FOOD STORAGE

6 – Warranties – Generally Avoid

The MOST IMPORTANT financial purchase you’ll ever

make!

7 – Extended Warranties – Always Avoid8 – Avoid Insurance Small Claims9 – Avoid Rent-to-Own Appliances10 – Avoid Contests

11 – Food Storage - Prosperous Menu

CONSUMER RECOMMENDATIONS

PROSPEROUS MENU PLANNING

1 – Pay by Credit Card2 – Debit Card – Beware3 – Use Credit Unions4 – Marry the Right Person5 – Life Insurance

OVER THE PHONE

PURCHASES

6 – Warranties – Generally Avoid

Make that ‘do not call’ call

7 – Extended Warranties – Always Avoid8 – Avoid Insurance Small Claims9 – Avoid Rent-to-Own Appliances10 – Avoid Contests

12 – Avoid over-the-phone purchases

CONSUMER RECOMMENDATIONS

11 – Food Storage - Prosperous Menu

1 – Pay by Credit Card2 – Debit Card – Beware3 – Use Credit Unions4 – Marry the Right Person5 – Life Insurance

PERSONAL INFORMATION

OVER THE PHONE

6 – Warranties – Generally Avoid

Never provide unless it is an obviously

reputable company

7 – Extended Warranties – Always Avoid8 – Avoid Insurance Small Claims9 – Avoid Rent-to-Own Appliances10 – Avoid Contests

12 – Avoid over-the-phone purchases

13 – Never provide personal information

CONSUMER RECOMMENDATIONS

11 – Food Storage - Prosperous Menu

1 – Pay by Credit Card2 – Debit Card – Beware3 – Use Credit Unions4 – Marry the Right Person5 – Life Insurance

DIETS

6 – Warranties – Generally Avoid7 – Extended Warranties – Always Avoid8 – Avoid Insurance Small Claims9 – Avoid Rent-to-Own Appliances10 – Avoid Contests

12 – Avoid over-the-phone purchases

13 – Never provide personal information

Best Answers:

Little evidence of successBest Program – Weight Watchers

Eat LessEat nutritionally balanced mealsExercise

14 – Diets – Eat Less / Save Money

CONSUMER RECOMMENDATIONS

11 – Food Storage - Prosperous Menu

http://www.nejm.org/doi/full/10.1056/NEJMoa0804748

1 – Pay by Credit Card2 – Debit Card – Beware3 – Use Credit Unions4 – Marry the Right Person5 – Life Insurance

WEALTH OF GREAT HEALTH

6 – Warranties – Generally Avoid7 – Extended Warranties – Always Avoid8 – Avoid Insurance Small Claims9 – Avoid Rent-to-Own Appliances10 – Avoid Contests

12 – Avoid over-the-phone purchases

13 – Never provide personal information

Get regular physical examinations

You have to carePerform regular wellness profiles

14 – Diets – Eat Less / Save Money15 – Wealth of Great Health

Minimize ‘at risk’ health profiles

CONSUMER RECOMMENDATIONS

11 – Food Storage - Prosperous Menu

$ 247 Billion

Annual Federal Revenue

1 – Pay by Credit Card2 – Debit Card – Beware3 – Use Credit Unions4 – Marry the Right Person5 – Life Insurance

REGULARLY GIVE BLOOD

6 – Warranties – Generally Avoid7 – Extended Warranties – Always Avoid8 – Avoid Insurance Small Claims9 – Avoid Rent-to-Own Appliances10 – Avoid Contests

12 – Avoid over-the-phone purchases

13 – Never provide personal information

It’s a great ‘free’ medical examination

‘Recycling’ is good for everyone

14 – Diets – Eat Less / Save Money15 – Wealth of Great Health

16 – Give Blood

CONSUMER RECOMMENDATIONS

11 – Food Storage - Prosperous Menu

1 – Pay by Credit Card2 – Debit Card – Beware3 – Use Credit Unions4 – Marry the Right Person5 – Life Insurance

GET A FLU SHOT

6 – Warranties – Generally Avoid7 – Extended Warranties – Always Avoid8 – Avoid Insurance Small Claims9 – Avoid Rent-to-Own Appliances10 – Avoid Contests

12 – Avoid over-the-phone purchases

13 – Never provide personal information14 – Diets – Eat Less / Save Money15 – Wealth of Great Health

16 – Give Blood– Get a flu shot

http://www.npr.org/templates/story/story.php?storyId=97780307

CONSUMER RECOMMENDATIONS

11 – Food Storage - Prosperous Menu

1 – Pay by Credit Card2 – Debit Card – Beware3 – Use Credit Unions4 – Marry the Right Person5 – Life Insurance

INSPECTIONSHOME AND

AUTO

6 – Warranties – Generally Avoid7 – Extended Warranties – Always Avoid8 – Avoid Insurance Small Claims9 – Avoid Rent-to-Own Appliances10 – Avoid Contests

12 – Avoid over-the-phone purchases

13 – Never provide personal information14 – Diets – Eat Less / Save Money15 – Wealth of Great Health

16 – Give Blood– Get a flu shot17 – Home and Auto Inspections

Never purchase without an inspection

CONSUMER RECOMMENDATIONS

11 – Food Storage - Prosperous Menu

1 – Pay by Credit Card2 – Debit Card – Beware3 – Use Credit Unions4 – Marry the Right Person5 – Life Insurance

RECREATIONAL VEHICLES AND

CABINS

6 – Warranties – Generally Avoid7 – Extended Warranties – Always Avoid8 – Avoid Insurance Small Claims9 – Avoid Rent-to-Own Appliances10 – Avoid Contests

12 – Avoid over-the-phone purchases

13 – Never provide personal information14 – Diets – Eat Less / Save Money15 – Wealth of Great Health

16 – Give Blood– Get a flu shot17 – Home and Auto Inspections

Rent – Don’t Own

18 – Recreational Assets – Rent

CONSUMER RECOMMENDATIONS

11 – Food Storage - Prosperous Menu

1 – Pay by Credit Card2 – Debit Card – Beware3 – Use Credit Unions4 – Marry the Right Person5 – Life Insurance

REAL ESTATE TIME SHARE

6 – Warranties – Generally Avoid7 – Extended Warranties – Always Avoid8 – Avoid Insurance Small Claims9 – Avoid Rent-to-Own Appliances10 – Avoid Contests

11 – Food Storage - Prosperous Menu12 – Avoid over-the-phone purchases

13 – Never provide personal information14 – Diets – Eat Less / Save Money15 – Wealth of Great Health

16 – Give Blood– Get a flu shot17 – Home and Auto Inspections

Only in the secondary market

18 – Recreational Assets – Rent19 – Time Share – only secondary market

CONSUMER RECOMMENDATIONS

1 – Pay by Credit Card2 – Debit Card – Beware3 – Use Credit Unions4 – Marry the Right Person5 – Life Insurance

FAST CASH ANYTHING

6 – Warranties – Generally Avoid7 – Extended Warranties – Always Avoid8 – Avoid Insurance Small Claims9 – Avoid Rent-to-Own Appliances10 – Avoid Contests

11 – Food Storage - Prosperous Menu12 – Avoid over-the-phone purchases

13 – Never provide personal information14 – Diets – Eat Less / Save Money15 – Wealth of Great Health

16 – Give Blood– Get a flu shot17 – Home and Auto Inspections

Always avoid: 18 – Recreational Assets – Rent19 – Time Share – only secondary market‘Pay day’ loans

‘Tax anticipation’ loans‘Every is approved’ loans

20 – Avoid ‘fast cash’ anything

CONSUMER RECOMMENDATIONS

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"),

http://en.wikipedia.org/wiki/Rent-to-own

and groups it with payday loans, title loans, refund anticipation loans and other similar practices.

‘Title’ loans

1 – Pay by Credit Card2 – Debit Card – Beware3 – Use Credit Unions4 – Marry the Right Person5 – Life Insurance

HOME ‘WHERE SMART BEGINS’

6 – Warranties – Generally Avoid7 – Extended Warranties – Always Avoid8 – Avoid Insurance Small Claims9 – Avoid Rent-to-Own Appliances10 – Avoid Contests

11 – Food Storage - Prosperous Menu12 – Avoid over-the-phone purchases

13 – Never provide personal information14 – Diets – Eat Less / Save Money15 – Wealth of Great Health

16 – Give Blood– Get a flu shot17 – Home and Auto Inspections18 – Recreational Assets – Rent

19 – Time Share – only secondary market

20 – Avoid ‘fast cash’ anything

Debt PaymentsTithing

= Net Monthly Income(x) 35%= Maximum Monthly Payment

Avoid Gimmick Loans

HIGHEST BREADWINNER monthly income

(-) Monthly Obligations:

Adjustable Rate Interest / Interest Only

21 – Home 'Where Smart Begins'

CONSUMER RECOMMENDATIONS

PURCHASING FURMULA

THE ‘SMARTER’ HOME

http://money.cnn.com/2010/08/26/real_estate/the_typical_homeowner/index.htm

Well established neighborhoods – the neighbors

The ‘McMansion’ – the sizeUsed are better – the new home smell

1 – Pay by Credit Card2 – Debit Card – Beware3 – Use Credit Unions4 – Marry the Right Person5 – Life Insurance

EQUITY LOANS

6 – Warranties – Generally Avoid7 – Extended Warranties – Always Avoid8 – Avoid Insurance Small Claims9 – Avoid Rent-to-Own Appliances10 – Avoid Contests

11 – Food Storage - Prosperous Menu12 – Avoid over-the-phone purchases

13 – Never provide personal information14 – Diets – Eat Less / Save Money15 – Wealth of Great Health

16 – Give Blood– Get a flu shot17 – Home and Auto Inspections18 – Recreational Assets – Rent

19 – Time Share – only secondary market

20 – Avoid ‘fast cash’ anything21 – Home 'Where Smart Begins'

DEBT CONSOLIDATION

LOANS

22 – Home equity – debt consolidationAvoid the temptation

CONSUMER RECOMMENDATIONS

1 – Pay by Credit Card2 – Debit Card – Beware3 – Use Credit Unions4 – Marry the Right Person5 – Life Insurance

AVOID OBLIGATING

BOTH INCOMES

6 – Warranties – Generally Avoid7 – Extended Warranties – Always Avoid8 – Avoid Insurance Small Claims9 – Avoid Rent-to-Own Appliances10 – Avoid Contests

11 – Food Storage - Prosperous Menu12 – Avoid over-the-phone purchases

13 – Never provide personal information14 – Diets – Eat Less / Save Money15 – Wealth of Great Health

16 – Give Blood– Get a flu shot17 – Home and Auto Inspections18 – Recreational Assets – Rent

19 – Time Share – only secondary market

20 – Avoid ‘fast cash’ anything21 – Home 'Where Smart Begins'22 – Home equity – debt consolidation

At greatest risk of bankruptcy

23 – Avoid ‘obligating’both incomes

CONSUMER RECOMMENDATIONS

1 – Pay by Credit Card2 – Debit Card – Beware3 – Use Credit Unions4 – Marry the Right Person5 – Life Insurance

ALWAYS HAVE HEALTH

INSURANCE

6 – Warranties – Generally Avoid7 – Extended Warranties – Always Avoid8 – Avoid Insurance Small Claims9 – Avoid Rent-to-Own Appliances10 – Avoid Contests

11 – Food Storage - Prosperous Menu12 – Avoid over-the-phone purchases

13 – Never provide personal information14 – Diets – Eat Less / Save Money15 – Wealth of Great Health

16 – Give Blood– Get a flu shot17 – Home and Auto Inspections18 – Recreational Assets – Rent

19 – Time Share – only secondary market

20 – Avoid ‘fast cash’ anything21 – Home 'Where Smart Begins'22 – Home equity – debt consolidation

At greatest risk of bankruptcy

23 – Avoid ‘obligating’both incomes

24 – Always have health insurance

CONSUMER RECOMMENDATIONS

1 – Pay by Credit Card2 – Debit Card – Beware3 – Use Credit Unions4 – Marry the Right Person5 – Life Insurance

AVOID ‘UP-FRONT’ FEES

6 – Warranties – Generally Avoid7 – Extended Warranties – Always Avoid8 – Avoid Insurance Small Claims9 – Avoid Rent-to-Own Appliances10 – Avoid Contests

11 – Food Storage - Prosperous Menu12 – Avoid over-the-phone purchases

13 – Never provide personal information14 – Diets – Eat Less / Save Money15 – Wealth of Great Health

16 – Give Blood– Get a flu shot17 – Home and Auto Inspections18 – Recreational Assets – Rent

19 – Time Share – only secondary market

20 – Avoid ‘fast cash’ anything21 – Home 'Where Smart Begins'22 – Home equity – debt consolidation

For most all professional services

23 – Avoid ‘obligating’both incomes

24 – Always have health insurance25 – Avoid ‘up-front fees’

CONSUMER RECOMMENDATIONS

1 – Pay by Credit Card2 – Debit Card – Beware3 – Use Credit Unions4 – Marry the Right Person5 – Life Insurance

C.I.A.6 – Warranties – Generally Avoid7 – Extended Warranties – Always Avoid8 – Avoid Insurance Small Claims9 – Avoid Rent-to-Own Appliances10 – Avoid Contests

11 – Food Storage - Prosperous Menu12 – Avoid over-the-phone purchases

13 – Never provide personal information14 – Diets – Eat Less / Save Money15 – Wealth of Great Health

16 – Give Blood– Get a flu shot17 – Home and Auto Inspections18 – Recreational Assets – Rent

19 – Time Share – only secondary market

20 – Avoid ‘fast cash’ anything21 – Home 'Where Smart Begins'22 – Home equity – debt consolidation

www.privacyrights.org

23 – Avoid ‘obligating’both incomes

24 – Always have health insurance25 – Avoid ‘up-front fees’

Check those who are checking on

you

26 – C.I.A.

CONSUMER RECOMMENDATIONS

26 – C.I.A.27 – Large Purchases

Large PurchasesSleep on it for at least one

nightMentor – 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

CREDIT CARD‘REWARDS’

Take the CASH

CONSUMER RECOMMENDATIONS

http://personal.fidelity.com/misc/buffers/retirement-rewards-card.shtml.cvsr

26 – C.I.A.27 – Large Purchases

28 – Credit Card 'Rewards' - Take the Cash29 – Debit Card 'Rewards' - Take the Cash

CONSUMER RECOMMENDATIONS

DEBIT CARD‘REWARDS’

Take the CASH

26 – C.I.A.27 – Large Purchases

28 – Credit Card 'Rewards' - Take the Cash

INTERNETINFORMATION

SOURCESFree information phenomena

S.I.O.U.Surprisingly

InsightfulObjective

and User Friendly

29 – Debit Card 'Rewards' - Take the Cash30 – Internet Information Source

CONSUMER RECOMMENDATIONS

26 – C.I.A.27 – Large Purchases

28 – Credit Card 'Rewards' - Take the Cash

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

29 – Debit Card 'Rewards' - Take the Cash

31 – Business ‘Opportunities’30 – Internet Information Source

CONSUMER RECOMMENDATIONS

26 – C.I.A.27 – Large Purchases

28 – Credit Card 'Rewards' - Take the Cash

EDUCATIONINGENUITY

Plan early

Creative Ingenious Teenage

Scholarships, Grants, etc.

Keep applying even while in college

29 – Debit Card 'Rewards' - Take the Cash

31 – Business ‘Opportunities’30 – Internet Information Source

32 – Education Ingenuity

CONSUMER RECOMMENDATIONS

http://www.getrichslowly.org/blog/2010/10/17/reader-story-scholarships-for-fun-and-profit/

26 – C.I.A.27 – Large Purchases

28 – Credit Card 'Rewards' - Take the Cash

SIX CAREER KEYS

Cash – a ‘Living’ Salary

Advancement Potential

Retirement Benefit – 401(k) with Match

Education Benefit

29 – Debit Card 'Rewards' - Take the Cash

31 – Business ‘Opportunities’30 – Internet Information Source

Enlightened Professional Growth Path

Risk Management – HSA Health Insurance

32 – Education Ingenuity33 – Six Career Absolutes

CONSUMER RECOMMENDATIONS

C

A

R

E

E

R

26 – C.I.A.27 – Large Purchases

28 – Credit Card 'Rewards' - Take the Cash

FINANCIAL DISCIPLINE

Six Levels of ‘Budgeting’

1 - Keeping Track of Expenses

2 - Summarize Expenses in Categories

3 - Projecting Categories for Next Year

29 – Debit Card 'Rewards' - Take the Cash

31 – Business ‘Opportunities’30 – Internet Information Source

4 - Limiting Expenses within Categories

5 - Planning to Reduce Expenses

32 – Education Ingenuity33 – Six Career Absolutes

MILLION DOLLAR CHOICESTM

34 – Financial Resource Discipline

CONSUMER RECOMMENDATIONS

26 – C.I.A.27 – Large Purchases

28 – Credit Card 'Rewards' - Take the Cash

ESTATE PLANNIN

G

EIGHT KEY DOCUMENTS

1 – Will

2 – Living Trust

3 – Living Will

29 – Debit Card 'Rewards' - Take the Cash

31 – Business ‘Opportunities’30 – Internet Information Source

4 – Power-of-Attorney for Health Care

5 – Durable Power-of-Attorney

32 – Education Ingenuity33 – Six Career Absolutes

6 – Life History

34 – Financial Resource Discipline

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

35 – Estate Planning – Make a Will

CONSUMER RECOMMENDATIONS

26 – C.I.A.27 – Large Purchases

28 – Credit Card 'Rewards' - Take the Cash

CONSUMER PURCHASESwww.consumersearch.com

www.pricegrabbers.com

29 – Debit Card 'Rewards' - Take the Cash

31 – Business ‘Opportunities’30 – Internet Information Source

32 – Education Ingenuity33 – Six Career Absolutes34 – Financial Resource Discipline35 – Estate Planning – Make a Will36 – Consumer Purchasing

CONSUMER RECOMMENDATIONS

26 – C.I.A.27 – Large Purchases

28 – Credit Card 'Rewards' - Take the Cash

PROSPEROUS MENU

PLANNING

TWO WEEK MEAL MENU

1 – Multiply into one year pantry

2 – Purchase in bulk

3 – Purchase on sale

29 – Debit Card 'Rewards' - Take the Cash

31 – Business ‘Opportunities’30 – Internet Information Source

4 – Foods that can be stored

5 – Meals that are nutritional

32 – Education Ingenuity33 – Six Career Absolutes

6 – Meals that kids will eat

34 – Financial Resource Discipline

7 – Alternative to excessive eating out

35 – Estate Planning – Make a Will

37 – Prosperous Menu Planning36 – Consumer Purchasing

CONSUMER RECOMMENDATIONS

26 – C.I.A.27 – Large Purchases

28 – Credit Card 'Rewards' - Take the Cash

PRESCRIPTION MEDICATIONS

GREAT CHOICES www.costco.com

www.walmart.com

www.destinationrx.com

29 – Debit Card 'Rewards' - Take the Cash

31 – Business ‘Opportunities’30 – Internet Information Source

BYU Student Medical Center

Patient Assistance Program

32 – Education Ingenuity33 – Six Career Absolutes

Recurring Prescriptions over $50

34 – Financial Resource Discipline35 – Estate Planning – Make a Will

37 – Prosperous Menu Planning36 – Consumer Purchasing

38 – Prescription Medications

CONSUMER RECOMMENDATIONS

39 – Identity Theft Services

26 – C.I.A.27 – Large Purchases

28 – Credit Card 'Rewards' - Take the CashIDENTIFY THEFT

SERVICES

Not worth the moneywww.privacyrights.org

29 – Debit Card 'Rewards' - Take the Cash

31 – Business ‘Opportunities’30 – Internet Information Source

32 – Education Ingenuity33 – Six Career Absolutes34 – Financial Resource Discipline35 – Estate Planning – Make a Will

37 – Prosperous Menu Planning36 – Consumer Purchasing

38 – Prescription Medications

CONSUMER RECOMMENDATIONS

26 – C.I.A.27 – Large Purchases

28 – Credit Card 'Rewards' - Take the Cash

TEACH CHILDREN

By example

80% Chance – Just like you

29 – Debit Card 'Rewards' - Take the Cash

31 – Business ‘Opportunities’30 – Internet Information Source

EOC – serious threat to future assets

Creative-Ingenious Teenage Opportunities

32 – Education Ingenuity33 – Six Career Absolutes34 – Financial Resource Discipline35 – Estate Planning – Make a Will

37 – Prosperous Menu Planning36 – Consumer Purchasing

38 – Prescription Medications39 – Identity Theft Services40 – Teach Your Children

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 Cash29 – Debit Card 'Rewards' - Take the Cash30 – Internet Information Source31 – Business ‘Opportunities’32 – Education Ingenuity33 – Six Career Absolutes34 – Financial Resource Discipline35 – Estate Planning – Make a Will36 – Consumer Purchasing37 – Saving

38 – Prosperous Menu Planning39 – Prescription Medications40 – Identity Theft Services

41 – Teach Children by Example42 – 43 – 44 –

45 – 46 – 47 – 48 –

49 – 50 – 51 –

CONSUMER RECOMMENDATIONS