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To support this ministry financially, visit: https://www.oneplace.com/donate/1085/29 Do you like to haggle? Successful negotiating has been described as the art of letting someone else have your way; its one area of life where a little knowledge goes a long way. Sometimes you can have it your way simply by askinglike with credit cards, for example. Today on MoneyWise, Kingdom Advisors President Rob West has a few tips for us. Haggling is not part of our culture like it is in many other countries. We tend to accept whats offered without asking for a better deal. However, when it comes to credit cards, it would be a good idea to get over that reluctance. The Federal Reserve says that Americans owe more than $1 trillionin credit card debt, with an average household balance of over $8,000. The best solution is to pay down that credit card. But while youre doing that, there are ways to make it easier. Were not talking about negotiating to have the balance loweredthats called a settlement. And while some people find themselves in a financial predicament where they have to negotiate a settlement, we always want to avoid that and pay our debts in full. Proverbs 37:21 reads,The wicked borrows but does not pay back. When negotiating with credit card companies,theres not really a lot of negotiating required. For the most part, its just asking for something and waiting for a yes or noa simple process.Look at interest rates and fees. The plastic in your wallet is a great convenience, but its not cheap, even if you pay your full balance every month. Make a phone call to your credit card issuer. The numbers right on the back of the card.CreditCards.com asked 1,600 cardholders about their experience when calling their issuer simply asking for a better deal. They focused on three areas: (1) reversing a late fee, (2) waiving or reducing an annual fee, and (2) lowering the interest rate. Eight-five percent of cardholders who made at least one request got what they wanted. Unfortunately, only 18% of those polled had ever asked to have their annual fee reduced or eliminated. Even more disturbing is that they were much more likely to ask for a credit limit increase! Why are credit card companies so willing to give in? Two words: balance transfer. They know all too well that most of their cardholders simply can take their business elsewhere by transferring their balance to another issuers card, so, they dont want to lose you even if you pay off your balance every month. Theyll still make a lot of money in vendor fees when you use their card. So they have a vested interest in keeping you happy. Here are just a couple of questions we answered from our callers on todays program: How do I actually cancel a credit card? Is there an easier way than writing letters? Are there any work-at-home jobs that are legitimate? Ask your questions at (800) 525-7000 or email them atquestions@moneywise.org. Visit our website atmoneywise.orgwhere you can connect with a MoneyWise Coach, purchase books, and even download free, helpful resources. Like and Follow us on Facebook at MoneyWise Media for videos and the very latest discussion!Remember that its your prayerful and financial support that keeps MoneyWise on the air. Help us continue this outreach by clicking the Donate tab at the top of the page.

To support this ministry financially, visit: https://www.oneplace.com/donate/1085/29 As the worlds largest online retailer, Amazon probably does 99.99% of its business over the Internet. However, if you wanted to call them on the phone you could fall victim to scam artists. Thats right, calling Amazon has become the latest way con artists are getting your private financial information to steal your identity. Today on MoneyWise, host Rob West explains how its done and how you can avoid it. Weve said many times that you can only trust the other party if youre the one making contact. But now it seems the scammers have found a way around that barrier. Like most online retailers, Amazon prides itself with being able to handle your customer service needs online. You can log into your account and do just about anything you want to do. But occasionally, someone may want to speak to someone at Amazon, and thats where the trouble begins. Lets say youre calling Amazon because you want to cancel your Amazon Prime membership. Your guard is down because you know youre initiating the conversationbut youve actually called a scam artist with a bogus number! A man answers saying Online support. You tell him you want to cancel your membership. He asks for your name and phone number and then tells you to enter support.me into a Google search bar. When you do, a web form will appear asking you to fill in your information. Some of it is financial information. If you fall for it, youve given them what they need to steal your identity. Lets say you dontfall for the scam at first. The web page with the form appears and you notice its not the official Amazon website. So you refuse. Youd think thatd be the end of it, but the scam artist isnt ready to give up just yet. If you refuse, hell say theres another way to resolve the problem to cancel your Prime membership, and heres where they revert back to their usual bag of tricks. Theyll tell you to sign into your Amazon account, search for Google Play card, select a $100 gift card and click the buy button. Though the next step is a bit unclear, youll probably be told to sign the card over to an entity that might have the word Amazon somewhere in its name, but that would of course be the scammers account! Keep in mind that this type of scam could work with any online retailer. Amazon customers arent the only ones being targeted. To avoid falling victim to this latest scheme, make sure you always visit the retailers official website and then click the Contact us link. Dont Google for a retailers contact page. A better option is to conduct your business online. But again, do this at the retailers official website. A legitimate retailer will not ask for credit card information for anything other than buying one of their productsnot to cancel an account. Here are some questions we answered from our callers on todays program: How literal should we take the scriptures which seem to indicate that we should give everything we own to the poor? Is there a conservative, alternative place to put our money into instead of a 401(k) for safe keeping for a short time? If the accrued cash value in my home-life policy is withdrawn, does that cash value now decrease the amount of my policy if its not repaid? What do you think of term insurance? Ask your questions at (800) 525-7000 or email them at questions@moneywise.org. Visit our website at moneywise.org where you can connect with a MoneyWise Coach, purchase books, and even download free, helpful resources. Like and Follow us on Facebook at MoneyWise Media for videos and the very latest discussion!Remember that its your prayerful and financial support that keeps MoneyWise on the air. Help us continue this outreach by clicking the Donate tab at the top of the page.

To support this ministry financially, visit: https://www.oneplace.com/donate/1085/29 Do you like to haggle? Successful negotiating has been described as the art of letting someone else have your way; its one area of life where a little knowledge goes a long way. Sometimes you can have it your way simply by askinglike with credit cards, for example. Today on MoneyWise, Kingdom Advisors President Rob West has a few tips for us. Haggling is not part of our culture like it is in many other countries. We tend to accept whats offered without asking for a better deal. However, when it comes to credit cards, it would be a good idea to get over that reluctance. The Federal Reserve says that Americans owe more than $1 trillionin credit card debt, with an average household balance of over $8,000. The best solution is to pay down that credit card. But while youre doing that, there are ways to make it easier. Were not talking about negotiating to have the balance loweredthats called a settlement. And while some people find themselves in a financial predicament where they have to negotiate a settlement, we always want to avoid that and pay our debts in full. Proverbs 37:21 reads,The wicked borrows but does not pay back. When negotiating with credit card companies,theres not really a lot of negotiating required. For the most part, its just asking for something and waiting for a yes or noa simple process.Look at interest rates and fees. The plastic in your wallet is a great convenience, but its not cheap, even if you pay your full balance every month. Make a phone call to your credit card issuer. The numbers right on the back of the card.CreditCards.com asked 1,600 cardholders about their experience when calling their issuer simply asking for a better deal. They focused on three areas: (1) reversing a late fee, (2) waiving or reducing an annual fee, and (2) lowering the interest rate. Eight-five percent of cardholders who made at least one request got what they wanted. Unfortunately, only 18% of those polled had ever asked to have their annual fee reduced or eliminated. Even more disturbing is that they were much more likely to ask for a credit limit increase! Why are credit card companies so willing to give in? Two words: balance transfer. They know all too well that most of their cardholders simply can take their business elsewhere by transferring their balance to another issuers card, so, they dont want to lose you even if you pay off your balance every month. Theyll still make a lot of money in vendor fees when you use their card. So they have a vested interest in keeping you happy. Here are just a couple of questions we answered from our callers on todays program: How do I actually cancel a credit card? Is there an easier way than writing letters? Are there any work-at-home jobs that are legitimate? Ask your questions at (800) 525-7000 or email them atquestions@moneywise.org. Visit our website atmoneywise.orgwhere you can connect with a MoneyWise Coach, purchase books, and even download free, helpful resources. Like and Follow us on Facebook at MoneyWise Media for videos and the very latest discussion!Remember that its your prayerful and financial support that keeps MoneyWise on the air. Help us continue this outreach by clicking the Donate tab at the top of the page.

To support this ministry financially, visit: https://www.oneplace.com/donate/1085/29 What do millennials have in common besides being young adults trying to carve out careers and start families? The vast majority graduated from high school with no formal training in personal finances. Sadly, most high schools dont teach financial literacy. So, young people enter the working world or go off to college knowing little about managing money. Financial planner and teacher Rob West has a crash course today. A study by the Federal Reserve shows that millennials have racked up $1 trillionin debt, an increase of 22% in just 5 years, the most of any generation in history. Theres no question that financial literacy should be a priority in the K-12 curriculum. Learn to say no. When youre young and starting out on your own theres the temptation to overspend. Everyone needs to learn delayed gratification, but especially young adults. Theyll start getting credit card offers, which, at first, seems like a source of easy moneycharge now,pay later. Your spending plan wont do you much good if youre not watching where your money goes. There are plenty of free apps available to track your spending. Download one and put it to work.Youll soondiscover that a daily $3 cup of coffee costs you nearly $100 a month! By tracking your spending, youll get a picture of unnecessary expenses you can trim to stay within your plan. Prepare for the unexpected like a temporary job loss or the transmission going out. If you cant pay the rent youll need a place to stay, and hopefully the folks havent turned your bedroom into a home theater! The solution is to start putting your surplus money into an emergency fund. Start with a goal of $1,500. Once you have that saved up, keep going for one months living expenses and dont stop until you have at least 3 months expenses saved up. This way, youll be ready for unplanned expenses and you wont have to make that uncomfortable phone call home. Consider longer-range saving goals. A new car, a downpayment on a house, and retirement should be planned today. If youre already making a car payment, then once its paid off, continue putting that amount into savings for your next car. Get to the point where you can pay cash without taking out a car loan. Save 10-15% of your income for retirement. Its difficult for young people to think that far ahead, but the earlier you start, the better. If you were to invest just $100 a month starting at age 30 (with an annual yield of 8%), by the time you retire at age 67 youd have nearly $275,000. Here are some questions we answered from our callers on todays program: One caller and Rob West warned about how phone scams work. Id like to learn more about playing the stock market. What do you advise? Ive made getting debt free a priority. Id also like to preserve my credit score. Ive got several credit cards. Where should I start? Is there a Christian cost-sharing home owner/auto insurance company I can get on with?Inspireinsight.comwas the website Rob referenced with this caller. Ask your questions at (800) 525-7000 or email them atquestions@moneywise.org. Visit our website atmoneywise.orgwhere you can connect with a MoneyWise Coach, purchase books, and even download free, helpful resources. Like and Follow us on Facebook at MoneyWise Media for videos and the very latest discussion!Remember that its your prayerful and financial support that keeps MoneyWise on the air. Help us continue this outreach by clicking the Donate tab at the top of the page.

To support this ministry financially, visit: https://www.oneplace.com/donate/1085/29 As the saying goes, To err is human. Everybody makes mistakes, some are big, some are small. But to really mess things up you need a credit card! Misusing that little piece of plastic is one of the easiest ways to create financial turmoil in your life by going into debt and trashing your credit along the way. Today, Kingdom Advisors President explains how that happens. (1) Letting yourself be pressured into getting a credit card if you dont already have one. This often happens in department stores where the sales staff offers you a discount on your purchase if you sign up for the stores credit card. (2) Spending more than you can afford. A credit card is not free money. Its a loan, and usually at high interest. A pizza could end up costing you hundreds of dollars if you carry the charge on your account for months or even years. (3) Opening several credit accounts in a short period of time. This will lower your credit score and will make borrowing more expensive. (4) Maxing out your credit cards. Whenever you carry a balance on a card thats more than 30% of your available credit it lowers your score. (5) Not paying your bills on time. Late payments will go on your credit report, lower your credit score, and will cost you late fees. (6) Applying for another credit card if you already have a balance on one. Larry Burkett used to say, Go ahead and use a credit card. But the first month you dont pay off the balance in full chop it up. (7) Ignoring the warning signs of debt. Those signs are paying only the minimum, getting cash advances on your credit card, paying late, and using your credit card for living expenses. Anyoneof those will get you into trouble. (8) Giving out your credit card number if you havent initiated the transaction. Scam artists use any number of tricks to get you to do that. Theyll say theyre with the IRS or the Social Security Administration. They usually threaten you with jail or the loss of benefits unless you make a payment over the phone with a credit card. Those agencies will never do that, so dont fall for it. Here are some questions we answered from our callers on todays program: I bought a classic car in rough shape but restored it only to sell it later. However, I didnt recover all my money. Can I deduct anything from my taxes? You warn against trying to time the market. But is it ever appropriate to take some funds or investments that have gained and move that over into something safer so as to lock in those gains? Is it OK to have building wealth as our goal? Ask your questions at (800) 525-7000 or email them atquestions@moneywise.org. Visit our website atmoneywise.orgwhere you can connect with a MoneyWise Coach, purchase books, and even download free, helpful resources. Like and Follow us on Facebook at MoneyWise Media for videos and the very latest discussion!Remember that its your prayerful and financial support that keeps MoneyWise on the air. Help us continue this outreach by clicking the Donate tab at the top of the page.

What is The Modern Essential Oil Movement? Many people recognize essential oils and aromatherapy as a way of making their home smell nice, and possibly know that certain essential oils help them feel uplifted or calm. But do you know that youve been consuming essential oils your whole life and that not all oils are the same? Master Healer, Megan Edge and her fabulous co-star, Dr. Pat are exploring the fascinating and exploding world of essential oils in this episode of Playing on the Edge Radio: Radical Change with Ease. They are thrilled to be welcoming a special guest to the show, Ellen Whealton, a Gold Level Leader with Young Living Essential Oils the world leader in essential oils. Theyll dive into what essential oils are and where they come from, why its important to educate yourself about the difference between pure and adulterated oils and share some of their experiences using Young Livings essential oils to support health and wellbeing. Watch live on Facebook. www.facebook.com/transformationtalkradio/ Call in! 1-800-930-2819

I believe something as fundamental as nutrition shouldnt be complicated, and if you keep it simple, and you help people make changes, and you encourage them and find bright spots- find positive things in what theyre doing Theyll make those … Continued The post Ep 129 – Improving Your Fitness from the Ground Up: Nutrition Basics with Nicole Aucoin appeared first on Julie Foucher | Reebok CrossFit Games Athlete.

What does Success mean to you? What does it look like? Is the big house on the hill, the brand-new car and the big bank account? Is it a safe place to live, being happy in your life, or passing that test? Its different for each person, as are the beliefs we carry about how much success we can have. Master Healer, Megan Edge and Dr. Pat, founder of Transformation Talk Radio, will be exploring the landscape of success in the next episode of Playing on the Edge Radio: Radical Change with Ease. Megan and Pat will look at what gets in the way of our success fear of failure or fear of success? Theyll discuss the difference between men and womens expectations of success and share with you their personal stories and experiences of the success theyve achieved in their careers and personal lives and the blunders they made along the way.

This week Dave (https://twitter.com/davidegts) and Gunnar (http://atechnologyjobisnoexcuse.com/about) talk about the definition of "breach," the definition of "permission," and the definition of "rat-catching team" AT&T Rocket Man commercial (http://www.retrojunk.com/commercial/show/18256/att-elton-johns-rocket-man) D&G Anti-Sponsors of the Week: Cambridge Analytica and Facebook Facebook’s Surveillance Machine (https://www.nytimes.com/2018/03/19/opinion/facebook-cambridge-analytica.html) Remember, Facebook may be tracking you even if you don’t use Facebook: What’s a Facebook shadow profile, and should you be worried about it? (https://www.dailydot.com/news/facebook-shadow-profiles-privacy-faq/) Invisibilia podcast (https://www.npr.org/podcasts/510307/invisibilia) Facebook denies it collects call and SMS data from phones without permission (https://techcrunch.com/2018/03/25/facebook-denies-it-collects-call-and-sms-data-from-phones-without-permission/amp/) Mark Zuckerberg Floated a "Supreme Court" for Facebook. What Does That Mean? (http://www.nextgov.com/emerging-tech/2018/04/mark-zuckerberg-floated-supreme-court-facebook-what-does-mean/147157/) 'They'll squash you like a bug': how Silicon Valley keeps a lid on leakers (https://www.theguardian.com/technology/2018/mar/16/silicon-valley-internal-work-spying-surveillance-leakers) Pinkerton (https://www.pinkerton.com/) There's A Facebook Alternative, It's Called Self-Sovereign Identity (https://www.coindesk.com/theres-alternative-facebook-called-self-sovereign-identity/amp/) Palate cleanser: Build your own PC inside the PC you built with PC Building Simulator (https://techcrunch.com/2018/03/27/build-your-own-pc-inside-the-pc-you-built-with-pc-building-simulator/amp/) Cutting Room Floor * Here's a List of 29 Different Types of USB Attacks (https://www.bleepingcomputer.com/news/security/heres-a-list-of-29-different-types-of-usb-attacks/) * Nash Equilibria meets rock-paper-scissors: The Game Theory Math Behind Rock-Paper-Scissors (https://www.wired.com/story/why-winning-in-rock-paper-scissors-isnt-everything/amp) * Hallmark Has a Talking, Glowing HAL 9000 Ornament Headed for Your Christmas Tree (https://io9.gizmodo.com/hallmark-has-a-talking-glowing-hal-9000-ornament-heade-1824995676) We Give Thanks * The D&G Show Slack Clubhouse for the discussion topics!

Apple takes a field trip, a small town bans bitcoin, Rihanna doesn't accept Snapchat's apology, Adobe transforms itself, and Lyft tests subscriptions. Stories from, @DMOberhaus and @oliviasolon; tweet-analysis from @ow Weekend long-read suggestions:'They'll squash you like a bug': how Silicon Valley keeps a lid on leakers (The Guardian)When an AI finally kills someone, who will be responsible? (MIT Technology Review)The Perfect Selfishness of Mapping Apps (The Atlantic) Credits: Produced by @brianmcc and the @techmeme staff Music by @jpschwinghamer

It's time for the podcast to end. For the foreseeable future, this will be the final episode of Rhubarb. We thank you all for listening and hope you have enjoyed our ramblings. What better note to go out on than fangasming about Star Wars! We shall become one with the force and like Obi Wan said 'They'll be back, and in greater numbers.'.

Brent discusses working long hours, roman numeral tattoos and how they’ll confuse archaeologists of the future, Brent has a conversation with his Dad – with Brent playing the parts of Brent and Brent’s Dad, how the platypus is his totem animal, and how ordering food online hurts his environmental conscience. Subscribe, Download, Enjoy. Viva la Podcast. www.facebook.com/melbmusings melbmusings@gmail.com melbournemusings.libsyn.com/podcast  

The winner of season one is finally announced! Of the announcements of season one are they!

Old Man Going - The Pretty Things Brit band, The Pretty Things, created one of rock's first concept albums, released in 1968, S.F. Sorrow. This album, based on a concept by the band's guitar playing vocalist, Phil May, tells the story of Sebastian F. Sorrow from his birth through his death, and it has been speculated that Pete Townshend borrowed this idea when he wrote Tommy. (And in case you're interested, there is a live recording of S.F. Sorrow, called Resurrection, featuring David Gilmour on guitar, you can read about it here.) In Old Man Going, our friend Mr. Sorrow is, of course, near the end of his life: Old man going. Hopscotch of life will lead you to the grave. Wet faces line the street, they will not be saved. Black house youve built it will soon disappear, Another corporation dig this year. Old man going. Traffic thins as you drive slowly by, A friend wipes a flower from an eye. Streets filled with bouquets from a cloudy sky Theyll soon forget the field in which you lie. Old man going. Listen at left or here. ---- What a cool band.