Tag Archives: finance

Student Loan Forgiveness is STUPID!!!

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Share track: Credit Cards Are Taking Your Millions

Success with TS – Leasing a Vehicle is NOT for this Millennial Dad

Success with TS – You Could Save Nearly $1,000 a Year by Cancelling Your Cable

Millennial Money: Turning in Our Leased Subaru Early Saves Us at Least $5,000 a Year

ST PAUL, MN–Yesterday, we saved our family $5,000 a year. We took our leased Impreza Sport in early and will now drive a minivan we bought with cash, per Dave Ramsey’s influence in The Total Money Makeover.

Our situation–saving us nearly $500 a month–is not average, nor is it normal by any means: 1/3 of all new cars are leased per average on 2018 consumer reports; nearly half of American adults rely on auto loans to pay for their vehicles: NOT OWNED.

We own our minivan outright, that’s unusual in a world where living on credit is standard. And by owning with no payments we save, BIG TIME. Also, by owning, within our means, we get out of debt sooner.

No more $343.17 a month to Chase for the Subaru we NEVER owned. No more $135 a month for insurance, high-end comprehensive, required by the lease agreement. On the minivan our first payment was the last!

We stopped paying for Subaru and Chase’s beach house, we are going to buy our own eventually, and sooner now.

I share our story because you too can do anything with a plan, action and a goal. Time to buy with cash, stop living beyond our means on credit. Patience and persistence to long-term success, good luck.

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Deactivate Your Social Media and Reactivate Your Life

EVERYWHERE, USA–Even with endless connection through social media, Generation Z and Millennials report feeling lonely. This is a clear sign that there is a need to deactivate societal social media account, and that social media is anything but social.

In the time a person can scroll a page endlessly they could have read book on self-help. They could have met a friend for a walk. A person could have started a side gig and paid down on crushing credit card or student loan debt. A person could have learnt a skill and realized they were happier with less constant interaction.

Social media can be a useful for staying in touch with old friends (so too can handwritten letters and phone calls). However, social media is not a friend, not even close. It is time to take your real life back by deactivating your social media and reactivating your life. Upgrade your life today.

Social Security Scam Happens in Minnesota, How to Protect Yourself





MINNEAPOLIS, MN– This morning, I was alerted by way of a phone call from a suspicious number that my Social Security Number was “compromised”, the robotic voice on the end of the line suggested that I call 210-469-8113 to clear things up. DISCLAIMER: !!! DO NOT CALL THIS NUMBER IT IS A SCAM NUMBER: 210-469-8113!!!





I did no such thing, I did not call that number, I did what most people would do in this situation: I panicked and started to sweat profusely. Just kidding. I did some internet research and found that this was a scam and that I needed to let authorities know. I filed a report with OIG and gave a call to the real Social Security people.





Being around tax time, one can estimate why someone would want to steal a social security number, that could be why this phone call scam is on the rise throughout America, and now happening in Minnesota.





That said, be aware of your credit standing and your personal information and your finances, in general. Also, dig deeper, get the information and make a report.





I found out the somewhat easy way after reading articles and waiting on hold for 40 minutes to talk to Pamela with Social Security. She said that this scam has been going on for years, and now the scammers have become wiser and are using more sophisticated techniques such as mimicking the Social Security number itself. She thanked me for reporting my incident and apologized that I was a victim of this scam.





Hopefully you avoid becoming a victim as well, and do not panic if you receive this type of call. To safeguard yourself, you can check your Social Security information at 800-772-1213 — the Social Security Administration’s national customer service line. As I discovered, they were very helpful.





Also, anyone receiving a suspicious call from someone alleging to be from the SSA should contact the Office of the Inspector General at 800-269-0271 or oig.ssa.gov/report.