Tag Archives: #thriveorsurvive

The Terrorists in Your Wallet and the Seal Team 6 in your Mind.

11 Nov

The Terrorists in Your Wallet and the Seal Team 6 in your Mind.

Like many Americans I’ve been the victim of identity theft. Twice. And while it is upsetting it isn’t quite the daunting task that most people believe. Ill help you get started.

-Paperwork and Phone Calls.
Beating credit theft is imminently doable. America has a recent overhaul that helps or hurts depending on perspective. For now though we will focus on the other parts.
So your card gets declined. Now you’re embarrassed. And your credit is ruined.
Nope it isn’t. You can fix this. You can reclaim everything. It all starts with a simple phone call. Call the company issuing your credit card. Alert them to the issue and list every transaction that is questionable.
Write out the name of who you spoke with and their title. Get an id# of they have one. I always ask for a manager. Go to the top. It gets things done faster. Print and highlight the thefts. Staple all this together. As well as any correspondence you get from them.
Also make sure your card is canceled- as in the number not the account. You can close the account but your credit score will drop as your debt to credit ratio will drop.

-Check your Accounts weekly or better.
All of them. Every type. Without Fail. Get it done. No excuses. No lies. There is always time to secure ones future. Your credit is in your hands.
Setup email and text alerts. Its free at many banks if not all. I personally check my bank accounts and credit accounts every 2 to 5 days. Why wait for free help when you can be proactive? Manage your finances like you do your itunes.

-Get Your Free Credit report Every Year. The government has set aside a permanent website and free credit reports from the 3 major credit companies- Experian, Equifax, and Transunion. In my experience Experian holds the most weight. But all can effect your credit scores et al.
Here’s a nasty secret though: there are 6 credit bureaus. Ouch right. I used to have info on 4 out of 6 but that’s it. I will suggest though that you folks get your fico aka fair isaac score. This one holds a lot of weight. You need it more than you think. Pay if you have too. Now at the bottom of this post ill have the links to the 3 big boy sites and the government secure site to get your anual credit reports. So now that I’ve done the leg work you are free to simply monitor the reports. Once you get them- peruse them with extreme prejudice. Anything that is even 4 cents off must be questioned. Call, write, email. Whatever. Get responses, get answers.
And those boiler plate, pre-fabricated letters all over the net- skip them. The big credit companies have robotic programs that know the format and even the type fonts. Scary in a way but efficient and innovative. Beat them by being starkly real.
Till then my folks:
#findyourfuel

Equifax: 1-877-576-5734; http://www.alerts.equifax.com

Experian: 1-888-397-3742; http://www.experian.com/fraud

TransUnion: 1-800-680-7289; http://www.transunion.com

https://www.annualcreditreport.com/cra/index.jsp

 

#thriveorsurvive

Thoughts? Concerns?
Questions? Think I’m wrong?
Let’s chat.
Need ideas?
Want to learn how to invite?
Let’s chat.
Want a mentor or maybe the guy who will bounce ideas back and forth with you?
Let’s chat-
Tony@Changeinadvance.com
@changeinadvance
http://www.changeinadvance.com
Or simply reply to this article.

Once more:

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‘IT’S CHESS NOT CHECKERS’

9 Nov

‘IT’S CHESS NOT CHECKERS’

Today I’m keeping it short.
Mindset is the name of the game. Life is mindset. If you perceive yourself as a loser- U ARE. If you see a winner in the Mirror- the Winner is YOU. There’s isn’t much to think about. You see self perception is everything. To see the leader you are is more effective than to train to lead. The most qualified guy on paper is usually the least skilled. Not always true I concede but who you are on paper- as in certifications and education- doesn’t hold a candle to who you are in the field.
The guy who leads the team to victory is the king. He paid the cost. Leading is acting.

And from here I reference my title-
‘IT’S CHESS NOT CHECKERS’.
Simple. Eloquent. Factual.
Checkers has strategy. It requires skills, tactical motion, and patience.
Chess however multiplies all those efforts exponentially. The pieces have greater variety in motion and more skills sets. Indeed some attack in pairs. It is quite literally war. The troops advance. They close ranks. The king runs. Indeed even your queen who runs the gamut can be reduced to kindle within 5 moves!
What do you do? PLaY CHeSS. Skip the checkers. Every move in each endeavor you embark on requires you think 5 steps ahead. Every action sets its own reaction. You don’t anticipate the clients wants you dictate them. Gretzky adhered to this. He said go where you want the puck not where its going. Remember that guy; jobs? Yeah Steve. He ascribed to Gretzky’s philosophy. Two great innovators and champions in the arenas they chose almost inherently knew you had to control the game. You had to make moves. Indeed you don’t play. It isn’t a game.
And neither is your business. You have to know the moves.
Anticipate the factors.
If you can’t see what’s coming down the pike you are failing already.
Every entrepreneur is playing Chess.
Checkers is for employees.
See the difference- its so simple its astounding. When you run a business you prepare. And when your plan fails you are ahead anyway. Business requires leadership. You are on the offensive. I’ll tell you one thing I learned playing chess. The guy on the defensive- He lost already. The offensive player is winning. He’s dictating terms. He runs the board. He controls the game and the flow. In your business are your creditors dictating your income aka achievement levels or are you? You must always play the game on your terms. Not to say there aren’t setbacks. Heck, I have had them all along my journey. Yet the push from failure set my troops loose with a greater tenacity to dictate the terms of the surrender. War has casualties. And as such. Treat my business with the same mentality.
And from there, there is one choice only:
Live or die. I won’t die. I won’t quit. I will succeed. I will triumph. At the very least my enemy will have a Pyrrhic victory.
Such catastrophic losses so as to preclude a victory. Chess. Not checkers. Victory. Not losing. Plan every angle. Be ready for set backs. Anticipate your opponents moves, aka the consumer or competition. And don’t forget to leave room for your own margin of error. We all drop the ball. But the entrepreneur who plans ahead wins. Have a business plan. Have a mentor who knows the game. See where you need to go- and Crush the competition.

#thriveorsurvive.

“He who learns must suffer. And even in our sleep pain that cannot forget falls drop by drop upon the heart, and in our own despair, against our will, comes wisdom to us by the awful grace of God.”
-Aeschylus (via Robert F. Kennedy)

Thoughts? Concerns?
Questions? Think I’m wrong?
Let’s chat.
Need ideas?
Want to learn how to invite?
Let’s chat.
Want a mentor or maybe the guy who will bounce ideas back and forth with you?
Let’s chat-
Tony@Changeinadvance.com
@changeinadvance
http://www.changeinadvance.com
Or simply reply to this article.

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Politics, Power, and Payroll Online Radio by Politics Power and Payroll | Blog Talk Radio

8 Nov

Politics, Power, and Payroll Online Radio by Politics Power and Payroll | Blog Talk Radio.

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WRONG FOCUS

5 Nov

WRONG FOCUS
ACTIVITY VS. PRODUCTIVITY

So I harp a lot on Focus. Without focus we are prone to failure. Focus can make or break you though. Focus channeled incorrectly, will in all probability
Kill your business, dreams, and entrepreneurial spirit faster than you can imagine.
And the biggest case of Wrong Focus is simply focusing on
ACTIVITY VSM PRODUCTIVITY.

-Activity.
Activity is merely motion. But misdirected motion achieves nothing. Imagine a baseball player, a major leaguer swinging wild. Like every pitch is whatever. Ugh! Jeter gets paid for skill. Ted Williams, Jordan, even Steve Jobs- these are all men who Focused on more than simply creating motion. To get motion only, that’s great for husky guys like me in the gym. We sweat and that works lol. But in my business I can run a muck and just hope that enough action will equate victory. Nope. See boxing. Boxers need to learn the opponents. They don’t just throw punches. Now back to Steve Jobs. As he was a quick innovator in the last. Decade of his life he didn’t just flood the market with crap. There is a story that he carried an early iphone around for two weeks and then flipped because the screen scratched too easy. He wasn’t worried about quick turn around. To sum it up you have to be more than action. You don’t just go to work, you go and give your all. Running in place creates action but gets you nowhere

-Productivity.
Productivity is the goal, the dream, the honey pot. Truly productive people make moves all day. Even when they are asleep they move forward. There is never a loss.
Productivity is staying on task and meeting deadlines. Ever seen a jerk union member? He doesn’t meet deadlines he pads his overtime. Jerk. A good union worker meets deadlines. He’s on time ready to work and create. He isn’t a dredge, he’s a cog in the machine who realizes he is integral to the projects completion.
Another example- Your Savings. So you have 50 large in the bank, but PJ Morgan only gives a .25% interest that is than taxed super heavy comparative to the gains. That money was safe but you were essentially treading water. Not smart. Make that money work. Invest it. If not in a fund et al- in yourself. Live your dreams. Incorporate, manage, and build an empire. Be more than a grunt. Be a Captain. Life is handed to those who work. Not those who coast.
Productivity can be merely managerial. A site manager on a house flip keeps momentum in their favor. That’s important.
Your EYE being on the ball is everything. You can do more with les activity if you have a focus.
To achieve this folks- back to basics.
Lists.
Lists.
Lists.

That’s it. And constant communication.
I’m not going to speak on this more.
You’re proactive or you are on the sidelines.
Its your choice. You can focus on motion or control motion to a cohesive end.

#thriveorsurvive.

Thoughts? Concerns?
Questions? Think I’m wrong?
Let’s chat.
Need ideas?
Want to learn how to invite?
Let’s chat.
Want a mentor or maybe the guy who will bounce ideas back and forth with you?
Let’s chat-
Tony@Changeinadvance.com
@changeinadvance
http://www.changeinadvance.com
Or simply reply to this article.

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Five Must-Know Verizon Shortcuts

4 Nov

Five Must-Know Verizon Shortcuts

The answers to people’s most common questions are available right on your phone.

 
Want info about your account right now, but you can’t able log in to My Verizon- try using one of the #Features listed below. They’re air time free, and you’ll even get a free text message with the information. Just dial # and the number, then hit SEND.

#MIN (#646)—Check your current month’s un-billed airtime usage. You’ll get an estimate of minutes used since your last statement date to within the past 24 hours. If you’re on a Family Share Plan, stay on the line to hear your Family Share Plan minutes after your individual minutes.

#BAL (#225)—Check your account balance and when your last payment was received.

#DATA (#3282)—Wondering how much text, picture and video messaging you’ve done? Check in for an estimate of your usage.

#PMT (#768)—Need to make a payment? You can, right from your phone.

#UPG (#874)—Longing for a new phone but not sure if you’re due for an upgrade? Call to see whether you’re eligible.

These simple options will keep you on track and within your budget.

#thriveorsurvive.

Thoughts? Concerns?
Questions? Think I’m wrong?
Let’s chat.
Need ideas?
Want to learn how to invite?
Let’s chat.
Want a mentor or maybe the guy who will bounce ideas back and forth with you?
Let’s chat-
Tony@Changeinadvance.com
@changeinadvance
http://www.changeinadvance.com
Or simply reply to this article.

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Action Reading List

3 Nov

Action Reading List

Ok folks I’ve got a few books on my list that I think everyone should read. Its a short list and I’m going to skip Napoleon Hill et al because we as entrepreneurs are inundated with the likes oh him, The Secret, and many others. Not knocking them per say I just think a different avenue and a fewsh eye/perspective is more useful these days.
Let’s face it; the economies changed. The needs of the people have as well. So we as entrepreneurs and marketers need to be innovators and leaders. Not to mention educators, students, and help-mates to the masses.
And in that vein I present you my top 7 books you need to read.

–The Charge.
By Brendon Burchard, this book is no nonsense and a great read. Not his first but my first read of his tomes. Recommended to me by the Great Ray Higdon (@rayhigdon).
This book will help clear your focus and activate your drives. Truly groundbreaking in my humble opinion.

–Rogue Warrior.
Richard Marcinko’s autobiography of how he started Seal Team Six. This man was an innovator, achiever, and believer. He believed in his country and himself. Nothing stopped him from being the best. Great read with an easy format. A guy in the first mlm I made money with recommended it to me and he was right.

–48 Laws of Power.
By Robert Greene, one of my fave reads ever. It is considered ruthless by some but the lessons are useful. Also its historical references and layout are vastly intriguing. I’d buy it twice. I won’t say more because the book speaks for itself.

–33 Strategies of War.
Another classic by Robert Greene. I love this guy. Having bought all his books I can clearly tell you that this one is as much a game changer as 48 Laws of Power.

–Steve Jobs.
The acclaimed biography by Walter Isaacson is a no holds barred look into the life of Jobs. Indeed it could be called a dig as Isaacson went down the rabbit hole that was Jobs. There is a treasure trove of knowledge to be had here and a great read as well. One of the books that is truly amazing my mind. It excites and inspires at the same time.

–The One Minute Millionaire.
Mark Victor Hansen and Robert G. Allen, two literary geniuses in their own right with sales that astound. True innovators and creators. The team up for this book is amazing. It has a fictional and factual counterpart wrapped up in one book. Truly amazing and the one book I’ve read as many times as 48 Laws of Power. I literally learn every time I read it. I got it 30% off but after reading it know I would have paid 60% extra to own it.

–Rich Dad Poor Dad.
Rober kiyosaki at his best. Some hate him. Some don’t. Overall I like the guy. While I’ve taken his courses too I think I’m going to stick with the books. This first one I have purchased three times. What I do is read it and give my copy to someone else. Its a great book for opening the eyes of the reader.

BONUS:
–Heavy Hitters Magazine aka HH.
Not a book but a staple in my collection.
Indeed it is the only magazine I buy. Every two months it features insane quotes, cars, and profiles of self made entrepreneurs. People who most of us can relate to.
The most inspiration you can buy for $6 bucks. Guaranteed.

#thriveorsurvive.

“It is what you read when you don’t have to that determines what you will be when you can’t help it.”
― Oscar Wilde

“If one cannot enjoy reading a book over and over again, there is no use in reading it at all.”
― Oscar Wilde

“The more that you read, the more things you will know. The more that you learn, the more places you’ll go.”
― Dr. Seuss, I Can Read With My Eyes Shut!

Thoughts? Concerns?
Questions? Think I’m wrong?
Let’s chat.
Need ideas?
Want to learn how to invite?
Let’s chat.
Want a mentor or maybe the guy who will bounce ideas back and forth with you?
Let’s chat-
Tony@Changeinadvance.com
@changeinadvance
http://www.changeinadvance.com
Or simply reply to this article.

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Use banking apps? @TMobile will automatically install Lookout antivirus software on most Androids in 2013.

2 Nov

Use banking apps? @TMobile will automatically install Lookout antivirus software on most Androids in 2013.

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Things To Do With the Kids Whiles Schools Are closed

1 Nov

Things To Do With the Kids Whiles Schools Are closed

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Are You Running in Place?

31 Oct

Are You Running in Place?

I’m going to keep tonight’s article short.
Heck, I may even rant a bit. But the point. will be clear. Are YOU running in place?
I was. Let’s break it down.

My friends and I would make up the best ideas. We would write them out. Talk all night. And then we did nothing. Fast forward a decade and a lot of my friends did nothing. Well, to be truthful I waited a while too. I started a few projects and never finished. I kept all my materials which I count a success, but it doesn’t mitigate the loss of action. You see that being marked as a success is akin to running in place. It symbolizes me taking action but not moving forward. Running in place is poison.

I’ll give you another example: John Q joins Simucore. The newest network marketing company with a billion in revenue already! He is excited. He is pumped, and he’s paid up. Now he’s at home on Xbox. Great system too- the xbox I mean. He hasn’t spent a minute learning his business, compensation plan, or tried recruiting. Heck, he joined- Good enough! WRONG! John Q is Running in Place. He started the race but paused after the pistol. This happens to many of us. We join and figure good enough. I once joined a biz and then did nothing after the 2nd day. I figured hey, I’m in business. No big deal. I’m doing great! Time will be on my side. And so I made no money. I made no gains. I also had money going out monthly on product. I loved the product- but lost out due to inactivity. Don’t be Me. I’m not (anymore).

How do you beat this?
-Make a list of goals to hit.
Your list has to be everything you need to achieve and the things you want to achieve.
Every time you accomplish one goal add one. Its not enough to be moving you have to be winning. And when you’re up aim higher.
-Tell everyone your goals and plans.
Tell’em all! Heck, put it on facebook! Make yourself publicly accountable and watch the results add up. No one wants to fail in public. and the haters will only add fuel. This concept is sound and works great if you do it repeatedly.
-Accountability Partner.
Lastly you want an accountability partner.
Find another entrepreneur and make a pact. Another hungry soul that wants what you want: success. Make each other accountable by any means necessary. The secret to making this work? Easy. You work and play with this individual. When you hangout with winners you win. When you hangout with losers you lose. And when you are all at the bar for happy hour, instead of meeting clients or studying spreadsheets-
you’re running in place.

#findyourfuel
#thriveorsurvive.

“You don’t get paid for the hour. You get paid for the value you bring to the hour”.
-Jim Rohn

Thoughts? Concerns?
Questions? Think I’m wrong?
Let’s chat.
Need ideas?
Want to learn how to invite?
Let’s chat.
Want a mentor or maybe the guy who will bounce ideas back and forth with you?
Let’s chat-
Tony@Changeinadvance.com
@changeinadvance
http://www.changeinadvance.com
Or simply reply to this article.

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Can I Afford This House?

30 Oct

What makes a house affordable? Housing costs can’t exceed 28% of income.

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