Another year?

Can't believe how fast the time goes! Well as you may have noticed I don't update my blog every day or even at the end of a week, at this point a month might even be often! The important thing is I'm still kicking and life still keeps me going. The FDI pharmacy card has been a hit and listening to some of the personal testimonies have been satisfying, most savings have been just shy of 50% and I have experienced this myself. I don't get sick often but the flu bug got me this winter too.

If you haven't downloaded your FDI discount card visit us at http://www.fdipays.info and start using it today!

Check back later... you could be surprised.. or not!

Scott

FDI saves consumers $250,000 in first 10 weeks!

FREE PHARMACY DISCOUNT CARDS HAVE SAVED AMERICAN CONSUMERS IN EXCESS OF $250,000 IN THE FIRST 10 WEEKS OF THE PROGRAM.

CEO William J Andreoli on a Special Announcement Conference Call. “It’s AMAZING that just by GIVING THESE FREE CARDS AWAY, we’ve already helped Americans hang on to over a quarter million dollars of their hard
earned money.

The FREE FDI Pharmacy Discount Card will award the bearer a discount of 10% to 85% or more on their prescription medication purchases. Further, the card is accepted at over 60,000 pharmacies across the USA, Puerto Rico, and the US Virgin Islands – including Walgreens, CVS, Target, Walmart, & more.

FDI independent marketing directors are able to hand these cards free of charge to friends, family, everyone they know, and everyone they don’t
know – “This is not insurance, and these cards never expire…” added Mr. Andreoli… “The gift that keeps on giving creates the business that keeps on growing – with or without you…”

For more information about this FREE benefit, or to find out how you can make money and build a business by giving away FREE discount cards, visit www.fdirep.com/ses or call 877-299-4898 or visit www.fdipays.info to start using your FREE discount card today!

61 years of math in America

Financial illiteracy... You decide..

Because of the evolution in teaching math since the 1950s:

1. Teaching Math In 1950s... A logger sells a truckload of lumber for $100. His cost of production is 4/5 of the price. What is his profit ?

2. Teaching Math In 1960s... A logger sells a truckload of lumber for $100. His cost of production is 4/5 of the price, or $80. What is his profit?

3. Teaching Math In 1970s... A logger sells a truckload of lumber for $100. His cost of production is $80. Did he make a profit?

4. Teaching Math In 1980s... A logger sells a truckload of lumber for $100. His cost of production is $80 and his profit is $20. Your assignment: Underline the number 20 ..

5. Teaching Math In 1990s... A logger cuts down a beautiful forest because he is selfish and inconsiderate and cares nothing for the habitat of animals or the preservation of our woodlands. He does this so he can make a profit of $20. What do you think of this way of making a living? Topic for class participation after answering the question: How did the birds and squirrels feel as the logger cut down their homes? (There are no wrong answers, and if you feel like crying, it's ok.)

6. Teaching Math In 2000s... If you have special needs or just feel you need assistance because of race, color, religion, sex, sexual orientation, age, childhood memories, criminal background, then don't answer and the correct answer will be provided for you. There are no wrong answers.

7. Teaching Math In 2011.. Un hachero vende una carrtada de maderapara 100 pesos. El costo de la producciones es 80 pesos. Cuanto dinero ha hecho?

FDI Astonishes the Industy by giving away free discount cards.

FDI Astonishes the Industry by upgrading its current Pharmacy Discount Card to a commission generating FREE benefit available to everyone.

The FREE FDI Pharmacy Discount Card will award the bearer a discount of 10% to 85% or more on their prescription drug purchases. Further, the card is accepted at over 60,000 pharmacies across the USA, Puerto Rico, and the US Virgin Islands – including Walgreens, CVS, Target, Walmart, & more.

FDI independent marketing directors are able to hand these cards free of charge to friends, family, everyone they know, and everyone they don’t know – best of all, they will make a commission whenever these cards are used by the consumer. “This is not insurance, and these cards never expire…” added Mr. Andreoli… “The gift that keeps on giving creates the business that keeps on growing – with or without you…”

For more information about this FREE benefit, or to find out how you can make money and build a business by giving away FREE discount cards, visit www.fdirep.com/ses or call 877-299-4898.

The New Year has arrived!

The year 2011 arrived and arrive it did... with a snow storm that dropped almost a foot of snow along with blizzard conditions. Some days I really wonder why anyone would live in a climate like this. Then I quickly remind myself that I am very grateful to be able to put 20 layers of clothes on and stand in frigid weather shoveling frozen precipitation.

Looking at my poorly updated blog today I see my last entry was back in July! I thought with blowing snow and cold temperatures, I could or should do a little update. OK the truth is after looking at my URL statistics and seeing how many times you guys have visited my blog I better do SOMETHING in this new year.

Speaking of URL traffic, I have to give credit to Mike Dillards "Building on A budget" for sharing some easy steps on getting more visitors. This past year has been so busy with everything from business to projects around the house and little get aways I'm hoping things will be a little slower this coming year.

It will never be too busy for a little Harley riding. The gears are turning on what I can do to my Harley before the riding season starts. Usually my modifications aren't too extreme as my bike is for riding and not showing! Found some guys in Utah that are making a sliding tour pak, this caught my attention so far and will be doing some investigating.

Starting a new year also brings changes to current laws around the country. One change that we have been following is texting and distracted driving, this is one of the reasons that we believe we are in the right place and the right time with FDI Voice. Imagine updating your Twitter or Facebook status using just your voice... with FDI we have ya covered! We know the laws will not eliminate texting and I don't believe that it should, just be responsible and use hands free services like FDI Handsfree. Everyone around you is somebodies family, keep the roadways safe.

Ok, here is my update and if you want more check me out on Twitter or Facebook. This was way more than the 140 characters I'm use too! Micro blogging just fits my thought patterns.

May this New Year find you and your family safe and prosperous.

Scott

Citizens Against Distracted Driving (CADD) press release

Citizens Against Distracted Driving (CADD) announces upcoming launch on August 27th, 2010 CADD pledges to take the battle to the street where distracted driving is claiming lives and destroying families.

“With focus on education, prevention, victim advocacy, and most of all SOLUTIONS to this growing epidemic, we aim to stem the tide of destruction…”

Windham, NH, July 4, 2010: FDI CEO William J Andreoli took the public stage on our nation’s 234th birthday and the anniversary of FDI’s 7 years in business, and announced the single most aggressive attack on the growing epidemic of “distracted driving” since it’s coming to the forefront of the public consciousness more than two years ago.

“While everyone is talking about the problem, we’re
focused on the solution."

But just having the solution is simply NOT ENOUGH! We MUST bring to
bear the full charitable spirit of America as well as the best and brightest minds and technology to reverse this disturbing trend… Through the contributions of FDI and concerned citizens like you and me, CADD will take this battle to the streets, with a focus on education, prevention, victim advocacy, and most of all SOLUTIONS to this epidemic that is claiming lives and destroying families on a daily basis.”

MORE INFORMATION about CADD will be released as the official launch date of August 27, 2010 draws near. For more information about FDI and its continuing crusade to stamp out distracted driving, while preserving every American’s right to communicate from behind the wheel, visit
www.fdimember.com/ses

A Really short course on becoming rich..

Spend less than your earn – invest the difference.

This is one simple way you can accumulate money for your investment fund. Your money can’t work for you if you don’t have any money to put to work.

Sure, it takes a bit of sacrifice to put away $100 a month, $200 a month, 10% of your salary, or whatever you decide is right for you. But by sacrificing a little bit every month, you’ll have all the money you want for years and years and years.

It is said: “A penny saved is . . . not very much.” That’s probably true. However, “Saving 65 cents a day in pocket change will add up to tens of thousands of dollars over time.”

Consider this. It’s almost impossible to become rich by spending more than you earn. Most people spend more than they earn. Most people aren’t rich.

Use a part-time job or a part-time business to add more money to your investment account.

By adding this extra income, you’ll cut years off your personal plan to wealth. Getting rich quicker is good, right?

Use people leverage to add more money to your investment account.

You can turbocharge your journey to wealth by employing other people in your part-time business or by taking advantage of network marketing.

Buy things that appreciate. Don’t buy things that depreciate.

Stocks, mutual funds, and real estate appreciate over time. That means your money is working for you. Stereos, fancy clothes, automobiles, and big screen televisions depreciate over time. That means you are going backwards – that you are losing money. That’s not the way to get rich.

Own your own home.

Renters and homeowners both make payments every month. You won’t get rich collecting rent receipts. You get rich by owning real estate.

Get a good tax accountant.

You want to minimize your taxes so that you’ll have more money working for you in your investment account. Your tax accountant can show you ways to reduce, defer or eliminate taxes on your investments. You can reduce the effects of taxes on your extra income by investing through IRAs, Keogh plans, 401s and other tax-favorable investment vehicles.

If you are really worried about paying taxes on the extra money you are earning, simply work a few extra hours for the taxes or arrange to have extra taxes taken out of your regular paycheck.

Avoid debt.

Some types of debt are good. An example would be the mortgage on your home (assuming you're not in over your head). This is debt on an appreciating asset.

Most debts are bad because you are paying interest on that debt. Paying interest is having your money work against you. It is robbing your investment fund of valuable capital that could be used to work for you.

Worst of all is paying interest on a depreciating asset such as an automobile or stereo. Not only are you losing money by paying interest, but the item you are paying for is also losing value at the same time. That is what’s called a “double whammy.”

If you have a lot of debt siphoning away your salary, maybe the first place for you to invest your investment money is in reducing your debt. This will ultimately free up more money in your monthly budget that you can put into your investment program.

Start young – or as young as you can.

That means start now. Let time work for you, not against you. The longer your investment fund grows, the more money you’ll have. Even if you invest very conservatively, time and the magic of compound interest will serve you well.

Don’t be someone who says,

“Oh, I wish I started ten years ago. Look where I would be today.”

“I should have invested in McDonald’s and Chrysler stock back in 1972.”

The past is past. You can’t redesign your past. However, you can design your future.

So start designing your future today. Ten years from now will arrive whether you start saving and investing or not. The choice of what you’ll say ten years from now depends on what you do today.

Protect your investment fund by reducing risk.

What good is it to save your money, only to lose it later on a speculative risk? It’s better to have a lower return and all of your investment fund than a higher return and sleepless nights worrying about your money.

Certainly all investments have some risk. You’ll want to keep your risks to a minimum while looking out for good returns.

You can invest your extra money monthly in a mutual fund, in real estate, to reduce your personal mortgage, or even in your own part-time or full-time business. Your investment risks decrease with knowledge.

Have patience.

Your investment fund won’t grow rapidly overnight. Consistent investing will give you good returns in the long term. For example, when is the best time to invest in stocks?

The obvious answer is to invest at the beginning of a long bull market (rising prices). Since no one can accurately tell the future, the best time to start investing for most of us is right now. Obviously stock prices go down also. But a stock portfolio that goes down in price is worth much more than never investing or saving a cent.

Investors who have become rich in stocks have invested over a long period of time. That includes up markets and down markets.

Handle your finances like an adult.

How do four-year-olds handle money? Do four-year-olds use their allowance wisely – or do they spend it quickly on something they want? Usually they insist on spending their allowance the same day they receive it. Saving or creating an investment fund is the furthest thing from their mind.

If you handle your money like a four-year-old, you’ll have the savings account of a four-year-old.

Don’t worry about inflation.

Inflation will occur whether you save money or not. So why not save money? You’ll like inflation a lot better when you have a large savings account.

Can’t seem to find any money to start your investment program?

Try this. Now I’m not asking you to budget. I’m only going to ask you to keep track of where your money goes for 30 days. Here is what you do.

Take a blank register from your checkbook. Simply record every expense, every dollar you spend for one entire month. Write down when you buy a pack of gum, a pack of cigarettes, a soda, when you pay the VISA bill, when you buy that sandwich or movie ticket.

At the end of the month, review your register. Look at all the miscellaneous expenditures you made that could have been turned into investment dollars.

Will you do this? Only if you are serious about becoming rich.

Want to increase your cash flow by $100 a month? Take ten activities and cut $10 from each one.. Now you have a extra $100 per month in savings to invest. I've seen people who earn $10,000 make regular contributions to their investment fund. I've also seen people earning $100,000 a year spend $110,000 a year and go bankrupt.

Saving money has nothing to do with how much money you make. It has everything to do with personal commitment.

And now it's up to you.

FDI Voice, We have solutions!

With the beginning of a new year we have to be aware of changing laws that may effect our ability to communicate using mobile technology. Many states already have passed laws banning texting while operating a motor vehicle and I believe that this is just the start of things to come.

To educate the public a British police department released a public service Video demonstrating how dangerous this has become and how widespread the problem is. If you have teenagers take the time to show them how dangerous this is. The video is very graphic but drives home the point...


After watching the video and you still need the ability to send text messages or emails or simply make a phone calls while you drive then FDI Voice has some simple solutions.


Watch how FDI Voice Hands Free can keep you connected....

Drive responsibly and remember you're in the car and not a telephone booth!

Happy trails....

Scott

Cash for Clunkers..The real math

Here is what a friend had to say about "Cash for Clunkers". Ignore all the gas savings and just look at how the car buyer got taken to the cleaners.

If you traded in a clunker worth $3500, you get $4500 off for an apparent "savings" of $1000. However, you have to pay taxes on the $4500 come April 15th (something that no auto dealer would tell you). If you are in the 30% tax bracket, you will pay $1350 on that $4500. So, rather than save $1000, you actually pay an extra $350 to the feds.

In addition, you traded in a car that was most likely paid for. Now you have 4 or 5 years of payments on a car that you did not need, that was costing you less to run than the payments that you will now be making. But wait, it gets even better: they also got ripped off by the dealer.

For example, every dealer in LA was selling the Ford Focus with all the goodies including A/C, auto transmission, power windows, etc for $12,500 the month before the "cash for clunkers" program started. When "cash for clunkers" came along, they stopped discounting them and instead sold them at the list price of $15,500.

So, you paid $3000 more than you would have the month before. (Honda, Toyota, and Kia played the same list price game that Ford and Chevy did). So lets do the final tally here: You traded in a car worth: $3500 You got a discount of: $4500 Net so far +$1000 But you have to pay: $1350 in taxes on the $4500 Net so far: -$350 And you paid: $3000 more than the car was selling for the month before Net -$3350 We could also add in the additional taxes (sales tax, state tax, etc.) on the extra $3000 that you paid for the car, along with the 5 years of interest on the car loan but lets just stop here.

Who actually made out on the deal? The feds collected taxes on the car along with taxes on the $4500 they "gave" the buyer. The car dealers made an extra $3000 or more on every car they sold along with the kickbacks from the manufacturers and the loan companies. The manufacturers got to dump lots of cars they could not give away the month before. And the poor consumer got saddled with even more debt that many cannot afford.

Congress convinced Joe consumer that he was getting $4500 in "free" money from the "government" when in fact Joe was giving away his $3500 car and paying an additional $3350 for the privilege.

When we look at all the numbers it looks as only a few reaped the benefits from the Cash for Clunkers program. We never really get anything for free!

Later...
Scott
http://www.fdipays.com/

Whats new?

Time has been flying by and I can definitely tell from my blog entries! My Twitter posts are always current with my uncontrollable raves and rants... It hard keeping my views to myself and watching the politicians spend our taxpayer monies gives me a lot to rant about. Without freedom and capitalism we wouldn't have business, so don't take it personal if I rant about big government. We need business to make money!

As for FDI we are here and growing!!!

This is a exciting time with the global slowdown, people are looking for opportunity and FDI has something for everyone. So if you re looking for additional income or looking for personal and financial services check us out. In today's current financial turmoil FDI's Credit Trax, Equity Trax along with LifeLoc and Teledoc are services that will save you money, help eliminate debt and protect your good name.

Summer and Fall is always a busy time so updates are few...That's where the FUN come in.... some of that fun is shared on Twitter and some is just to much to share....

Until next time...
Scott

Riding doesn't have to cost you a fortune!

Over the years motorcycle shop rates have been inching up, $80 per hour and up are very common. Everyone has the ability to learn so why not you!

Buying that new or used motorcycle is always fun but as you put on those miles it also needs proper maintenance. People mention paying $1oo or more to get a basic oil change. Dealers need to make money so they can provide us with their services, but it never hurts to learn the basics if you want to save.

Where do we start?

Start by purchasing a factory repair manual, then find a Mentor that is willing to show you the basics of maintaining your motorcycle. Most people with years of experience will guide you in the right direction plus we always enjoy sharing our knowledge.

Doing the simple fluid changes and minor adjustments can save you a pile of cash without jeopardizing the integrity of your motorcycle. Save all your receipts and don't forget to document the mileage. Learning the basics will allow you to be more safety conscious adding more satisfaction to your experience!

These steps will bring you years of enjoyable riding along with new friendships.


Ride safe,
Scott
www.fdipays.com

Cash For Clunker!

Cash for Clunkers good or bad?

I'll admit owning a new vehicle is exciting, it gives you that warm fuzzy feeling and even turns the neighbors heads when you come rolling into the driveway.

But will it be worth it?

To some owning a new car is a sound decision, to others it can turn into a nightmare. The response to this program has been swift to say the least, but who will the winners really be?

So far the winners are the car manufactures & dealers for moving their inventory, the scrap iron industry for crushing your trade in and the banks for making money in finance charges!

Will you win?

My concerns are for the people that participated, will this new car become a blessing or a burden. Due to the unsettled economic times the last thing we need is a "mortgage mess" scenario inside the auto industry. If your future employment is secure and you didn't over buy you may be a winner too.

All these so called deals don't always have the end consumers interests at heart...I'm all for stimulating the economy but using credit to acquire more debt isn't always the answer and in more cases its the problems!

For everyone that received a new car, congratulations!


Later,
Scott
www.fdipays.com

Zer01 Wants To Turn Retailers Into Carriers

Buzzirk Mobile may face competition!

One important reminder to anyone that researches a Home Based business..Make sure the products are exclusive of at least limited
to purchase from the supplier!

Buzzirk Mobile was under the impression that they had exclusive rights to offer this service but things might be changing soon Zer01 Wants To Turn Retailers Into Carriers: "Las Vegas- Major retailers could be offering unlimited cellular VoIP and data..."

Keep a close eye on this story, it may never materialize but the intent is there. This technology is becoming extremely popular so having exclusive rights is always the best option.

Now for some recent news on this technology!

On July 4th, 2009 Financial Destination Inc announced that Kuba Farbiarz, the founder of GI Connect, creator of its proprietary technology and worldwide communication platform, has joined FDI for the pre-launch of FDI International coming in August!

Check back for more information soon.

Scott
www.fdirep.com/ses

Additional fees with Credit Card reform?

Wow how the time passes!! Hopefully you have been following my updates on Twitter as I'm more of a 140 character person than a blogger..

It has been a busy spring starting with the flooding and then all the cool spring like weather. Finally I can tell summer is here as the gas prices have been going up and that is a sure sign of SUMMER, as for me riding a Harley sure does make a difference when it's time to fill the gas tank. Having fun and saving fuel, what a concept!


The biggest news in the financial world this past month was the Credit Card reform that the Senate passed. I have mixed emotions about this reform and I feel it will eventually hurt the average consumer with additional fees.


So here is my buyers beware...
Watch for additional Fees...

Now I hope that I am wrong on this idea

The Credit Card Companies want to make money, when they lose the ability to generate income they always find other alternatives for the shortfall. This is business but it is unfortunate our government has to create laws to govern the industry. I do feel if government wants to help, start educating the public about using credit and the cost of having debt.


My advice is watch your monthly statements, read any updated customer agreement. If you don't like the terms don't do the deal. Work on keeping that credit score in the best shape, this alone is a major cost savings. The fallout from the current credit crunch will be costly for anyone that has damaged their credit.

Don't forget FDI has some great services that helps restore those credit scores back to the best possible shape! Bad credit is big business and at your expense, become proactive and fight back..

Now its time to enjoy our nice weather!

Prosper and enjoy,
Scott
www.fdipays.com

My work in progress!

If you're visiting my blog you're probably wondering what you came across..

Am I right?

Well don't feel bad cause I share your pain too. This will be always be a work in progress and who knows what subject you will find.. OK I know I'm going against the traditional blog that stays on the same subject but HEY that's me!

I talk about Credit and Debt, very depressing subject but a must or it will eat you alive, we talk about marketing and making money too! OK the money part gets me excited cause money equals fun and FUN is where its all at...

So just bare with me and check back soon to see "what the hell was he thinking" or not..

Oh I forgot to mention that I'm passionate about Harley Davidson motorcycles!!! something to do about freedom on the road..:)

Check back later,
Scott
http://www.fdipays.com/

Does Social Networking have you confused?

Dealing with all the Social Media networks and Web 2.0 techniques you may find yourself in total confusion to say the least. I thought I should share a few of these tools that have made it all possible for me to keep up!

It was only few years ago when I first heard the term Web 2.0 or social media and started to dig a little deeper in this technology. I visited sites like YouTube, Myspace and Facebook but wasn't sure of how or why I needed to have my own profile until I discovered Mike Dillard and a simple training program called Building On A Budget. This was my introduction to Web 2.o!

Taking the information that I learned in the BOAB program I started exploring the correct way to build business relationships by using all the tools available. It's amazing what you can do with some information and the simplicity that comes with Twitter!

Twitter has been the simplest Social Networking tool by far. The concept is simple follow people and let them follow you back. Then you post updates about your current events, pictures, ideas you may have and finally you can share URL links about your business! Most people will follow you back and many will interact with you if you are genuine so don't throw your business proposal at them the first time or you lose!

Believe me on this one as I started marketing when ICQ was the big player, only if I would have known about Magnetic Sponsoring. Let me show you a few Twitter tools that can make your Social Networking experience more enjoyable.
Start adding some friends and please don't forget me..:) next post a few updates about your day good or bad, its that simple!

Now to the good stuff..

My recommendations to make your Twitter experience enjoyable for everyone!

TweetLater allows you to auto follow or unfollow people plus much more. Check their website out for all the details.

TwitPic is a service that allows you to upload photos and share them with your Twitter Followers. Followers love pictures! You can also post the pictures from your phone through email.

Twitter Karma is a great tool to manage your followers.

TwitterTise works great for scheduling tweets and tracking your URL links when you advertise your business.

Twittad allows you to monetize your Twitter background by sponsoring ads.. now your twitter account is more than fun!

This list will be more than enough to get your Twitter account rocking, if you're mobile like myself and use a Blackberry here are a few applications for Twitter.

UberTwitter is the application on my Storm. Still in the beta form but very stable.

TwitterBerry is also a favorite of mine...

Social networking is becoming a very important part of online and traditional business models, now is the time to jump aboard. Take the time and learn how to enrich your networking abilities and it's all free! If you have any questions direct message me on Twitter!

Happy networking,

Scott http://www.fdipays.com/

Fdipay's research on Yoga!

Yoga has been increasingly utilized as a form of relaxation thus peaking my interest. In my research I have found many different techniques from different parts of the country. I researched Ancient Yoga and Minnesota Yoga, as close as I can tell the two techniques have some similarities, however the ability to prepare the mind and soul have a dramatic difference depending on the location.

Below are the illustrations from my research.

Ancient Yoga....

Minnesota Yoga....

The Minnesota class is full for this session.I'll get back to you when it opens up again!

Fdipays on the lighter side of life...

Scott

http://www.fdipays.com/

Participant or Bystander?

Yes, I agree that things aren't so rosie for many people in today's economy, but did they become a victim or did they participate? At this point it really doesn't matter, the damage is done for many, the best defense now is the ability to identify and understand.

The Truth.. Most problems could have been avoided by acting on one simple phrase "live on less than you make". I too get envious when I see people drive their new cars or hear them talk about their vacations and buying the latest and greatest electronic items! Who wouldn't want all this stuff.. Never focus on what you don't have, instead be grateful for what you do have.

I can't speak for everyone but some of these individuals are living paycheck to paycheck, some are even going into foreclosure on their homes. Sadly enough a few people have made the statement "they deserve it"! We all deserve the best and the best will come when we are good stewards of our finances. All the stories are the same with the outcome being the same too. The feelings these people are encountering are unhappiness, stress and hopelessness, all wondering how they will make it through these economically bad times. Was it worth it?

I'm in favor of nice homes, cars, motorcycles, vacations and the latest electronic items that make my live more enjoyable. I also have multiple source or income or MSI's in place to help fund my enjoyments. Having a financial plan is always a good start, however I'm never in favor of buying on credit when it could sacrifice the the financial future of your family or your health. Did you know that money problems are the leading cause of divorce in the USA? This is the difference between participating or standing on the sidelines and watching.

Wouldn't the outcome be different if people had no debt except maybe a mortgage? If they had saved 3 to 6 months of income for emergency's, thing would be a lot different. I know this can be accomplished even on a average income. It's not how much you make that is important, its how much you keep that counts. Someone once told me that money wasn't everything, try to tell that to the bank. If you want more stuff, you need to be open on new ways to generate income!

Todays economy will come to pass, but I guarantee the same situation will come again in our future. My only question to you ... What will you do different to change your financial outcome?


To your financial success,
Scott
www.fdipays.com

BofA why me?

BofA why me?

Yesterday I received a letter in the mail from Bank of America. Now it wasn't thanking me for being great customer over the years or thanking me for my excellent ability to manage my credit. This letter indeed was informing me that they reviewed my account and lowered my available credit by 50%...

I don't want to mention the first words that came out of my mouth but to say the least I was not a happy camper. Why did BofA punish me?

It's hard not taking these things personal but it's the actions from a few that makes us pay a price. Using the power of Twitter I found @BofA_help and posted my disappointments. David contacted me through that Twitter account and asked me to send him my phone number so I did..don't worry I have LifeLock!

David called, we had a great conversation about how this credit mess is effecting customers like myself. The good news it it was only effecting about 10% of BofA customers, the bad news it BofA has a boat load of customers! I know I wouldn't have used the available credit that BofA had issued but it was the idea that they took it away that upset me. Why do good customers get punished? Well in my simple explanation you can't get blood from a turnip!
My hat goes off to David, having to deal with all the issues that arose from the current economy can't be fun.

Technology today can trigger alerts when your credit card is used for online purchases or if charges go over a given predetermined target. So why did this mess catch the financial institutions with their pants down? Was it greed or just sloppy management?

Unfortunately we all will pay the price for this credit mess. A very successful friend told me the secret to financial success is "Spend less than you make".. simple but effective!


Whats in your wallet?

Scott
www.fdipays.com

Identity theft on Easter!

Another warning on ID Theft. Do you have LifeLock?
Scott Sebenaler
ssebenaler@yahoo.com
701-306-0004
www.fdipays.com