Hubby handcuffed…now he’s listening

Credit vs. Debit Card Story on KELO-TV Featuring Andy Traub - Financial Coach

Should you use a credit or debit card for your purchases?  Do they offer the same protection on purchases?  Are the rewards from credit cards guaranteed?  Watch the story to find out…

 

For more stories like this one check out my YouTube channel.

 

 

 

 

You can also visit the Television Appearances section of my webpage.

Never walking alone...

I always appreciate having someone to walk along side me on this journey. 
Be thankful today if you too have that someone.

Coaching Client Makes the News

Check out the story text here

FCC actually makes a funny commercial...

Apparently the Federal Trade Commission is tired of freecreditreport.com fooling people into thinking that they actually provide FREE credit reports. In fact, the FTC's site annualcreditreport.com is the site that MOST people think they're accessing when they see the catchy commercials (see them all here). So, the FCC made their own commercial. Watch it below:

Here's some very lightly shaded text from the FAKE "free" credit report website.

IMPORTANT INFORMATION When you order your free report here, you will begin your free trial membership in Triple Advantage^SM**, you will be billed $14.95 for each month that you continue your membership. Credit Monitoring. If you don't cancel your membership within the 7-day trial period

ConsumerInfo.com, Inc. and Freecreditreport.com are not affiliated with the annual free credit report program. Under a new Federal law, you have the right to receive a free copy of your credit report once every 12 months from each of the three nationwide consumer reporting companies. To request your free annual report under that law, you must go to www.annualcreditreport.com."

So check your credit score every January 1st, June 1st and September 1st from a different credit agency for free through www.annualcreditreport.com to stay up to date on your credit's standing.

- Andy Traub

Your Financial Coach

Less clutter, more cash...on Craigslist.org

Can you believe this ugly website on the left is one way for you to get out of debt, clean up your house and improve your life? Keep reading to find out how...






It's obvious that America's consumer culture has caught up with us. We have homes full of items that cost us thousands of dollars collecting dust. I have found a great way to sell those items with minimal time or trouble. Craigslist.org is a website dedicated to sales of goods and services in your local area.

Once you have navigated to the website, chosen your state and then local area, you are able to see goods and services that are in close proximity to you. For instance, here's the link to Honda's in Sioux Falls, SD for sale by owner. My wife and I recently sold $2,500 worth of goods in 48 hours on Craigslist.

Here are three tips to selling goods on Craigslist (did I mention this is completely free?!).

1. Write a realistic but appealing description of your item. Tell them everything that's wrong with it and why it's still a good buy at the price you're selling it at. That way they have no reason to say no once they contact you. You've already dealt with the objections in your ad:)

2. Take a few good pictures of your item, and take pictures of the damaged areas if there are any so the buyer isn't surprised when they show up.

3. Price it low enough to get interest but higher than you expect to get for it. Most people who buy on Craigslist buy in cash so be ready to do some negotiating with the buyer. Don't expect full price but don't give it away either! (There's a "Free stuff" section on Craigslist for that). So start selling those goods and enjoy the cash instead of the clutter. If your ad doesn't get any buyers then repost it a week later b/c new people check the ads every day for deals.

Happy selling, let me know how it works for you.

- Andy Traub
Financial Coach

Homework...

How many items in your home have not been used in the last 365 days that also cost you over $100 to buy?  Start making a list and we'll make you some money in the coming weeks with that list.  - Stay tuned - Coach Andy

Complain or create income? You decide...

Recession? Depression? How about over consumption!? A great way to combat a sagging economy is to participate in it! How you ask? Well, that's what I'll be covering over the next few days...so stay tuned and get ready to take advantage of a bad economy.