CONSUMER RECOMMENDATIONS

1. CONSUMER RECOMMENDATIONS 40 Insights CONSUMER RECOMMENDATIONS http://bewareofthedoghouse.com/video.aspx

2. 1 – Pay by Credit Card • PAY BY CREDIT CARD if something goes wrong it is so much easier to cancel payment CONSUMER RECOMMENDATIONS

3. 1 – Pay by Credit Card • DEBIT CARDS BEWARE You‘re account can be emptied If cash is gone and you challenge the transaction you have to restore money while challenge is pending CONSUMER RECOMMENDATIONS

4. 1 – Pay by Credit Card 2 – Debit Card – Beware www.privacyrights.org • DEBIT CARDS BEWARE You‘re account can be emptied If cash is gone and you challenge the transaction you have to restore money while challenge is pending CONSUMER RECOMMENDATIONS

5. 1 – Pay by Credit Card 2 – Debit Card – Beware 3 – Use Credit Unions • USE CREDIT UNIONS • INSTEAD OF BANKS www.consumersavvytips.org www.msn.moneycentral CONSUMER RECOMMENDATIONS

6. 1 – Pay by Credit Card 2 – Debit Card – Beware 3 – Use Credit Unions • MARRY THE RIGHT PERSON 4 – Marry the Right Person http://www.newsweek.com/blogs/lab-notes/2008/12/03/hourglass-figures-we-take-it-all-back.html CONSUMER RECOMMENDATIONS

7. 1 – Pay by Credit Card 2 – Debit Card – Beware 3 – Use Credit Unions 4 – Marry the Right Person 5 – Life Insurance • LIFE INSURANCE One Policy ‘Point-of-Choice’ Sufficient Term Life Insurance Avoid ‘gimmick’ policies Credit Life Insurance Cancer Policies Accidental Death and Dismemberment ‘Pre-need’ Mortuary Insurance CONSUMER RECOMMENDATIONS

8. 1 – Pay by Credit Card 2 – Debit Card – Beware 3 – Use Credit Unions 4 – Marry the Right Person 5 – Life Insurance 6 – Warranties – Generally Avoid WARRANTIES ON CONSUMER ITEMS Generally Avoid Exceptions: Automobile – Original Warranty Cell Phone CONSUMER RECOMMENDATIONS

9. 1 – Pay by Credit Card 2 – Debit Card – Beware 3 – Use Credit Unions 4 – Marry the Right Person 5 – Life Insurance 6 – Warranties – Generally Avoid 7 – Extended Warranties – Always Avoid EXTENDED WARRANTIES Always Avoid CONSUMER RECOMMENDATIONS

10. 1 – Pay by Credit Card 2 – Debit Card – Beware 3 – Use Credit Unions 4 – Marry the Right Person 5 – Life Insurance 6 – Warranties – Generally Avoid 7 – Extended Warranties – Always Avoid 8 – Avoid Insurance Small Claims INSURANCE SMALL CLAIMS Always Avoid http://www.autoinsuranceconsumers.com/miscellaneous/smallclaims.php CONSUMER RECOMMENDATIONS

11. 1 – Pay by Credit Card 2 – Debit Card – Beware 3 – Use Credit Unions 4 – Marry the Right Person 5 – Life Insurance 6 – Warranties – Generally Avoid 7 – Extended Warranties – Always Avoid 8 – Avoid Insurance Small Claims 9 – Avoid Rent-to-Own Appliances RENT-TO-OWN APPLIANCES http://en.wikipedia.org/wiki/Rent-to-own The United States Department of Defense considers rent-to-own a predatory lending practice (defined as an "unfair or abusive loan or credit sale transaction or collection practice"), and groups it with payday loans, title loans, refund anticipation loans and other similar practices. Always Avoid CONSUMER RECOMMENDATIONS

12. 1 – Pay by Credit Card 2 – Debit Card – Beware 3 – Use Credit Unions 4 – Marry the Right Person 5 – Life Insurance 6 – Warranties – Generally Avoid 7 – Extended Warranties – Always Avoid 8 – Avoid Insurance Small Claims 9 – Avoid Rent-to-Own Appliances 10 – Avoid Contests AVOID CONTESTS You win – lot’s of new junk mail CONSUMER RECOMMENDATIONS

13. 1 – Pay by Credit Card 2 – Debit Card – Beware 3 – Use Credit Unions 4 – Marry the Right Person 5 – Life Insurance 6 – Warranties – Generally Avoid 7 – Extended Warranties – Always Avoid 8 – Avoid Insurance Small Claims 9 – Avoid Rent-to-Own Appliances 10 – Avoid Contests 11 – Food Storage - Prosperous Menu FOOD STORAGE The MOST IMPORTANT financial purchase you’ll ever make! PROSPEROUS MENU PLANNING CONSUMER RECOMMENDATIONS

14. 1 – Pay by Credit Card 2 – Debit Card – Beware 3 – Use Credit Unions 4 – Marry the Right Person 5 – Life Insurance 6 – Warranties – Generally Avoid 7 – Extended Warranties – Always Avoid 8 – Avoid Insurance Small Claims 9 – Avoid Rent-to-Own Appliances 10 – Avoid Contests 11 – Food Storage - Prosperous Menu 12 – Avoid over-the-phone purchases OVER THE PHONE PURCHASES Make that ‘do not call’ call CONSUMER RECOMMENDATIONS

15. 1 – Pay by Credit Card 2 – Debit Card – Beware 3 – Use Credit Unions 4 – Marry the Right Person 5 – Life Insurance 6 – Warranties – Generally Avoid 7 – Extended Warranties – Always Avoid 8 – Avoid Insurance Small Claims 9 – Avoid Rent-to-Own Appliances 10 – Avoid Contests 11 – Food Storage - Prosperous Menu 12 – Avoid over-the-phone purchases 13 – Never provide personal information PERSONAL INFORMATION OVER THE PHONE Never provide unless it is an obviously reputable company CONSUMER RECOMMENDATIONS

16. 1 – Pay by Credit Card 2 – Debit Card – Beware 3 – Use Credit Unions 4 – Marry the Right Person 5 – Life Insurance 6 – Warranties – Generally Avoid 7 – Extended Warranties – Always Avoid 8 – Avoid Insurance Small Claims 9 – Avoid Rent-to-Own Appliances 10 – Avoid Contests 11 – Food Storage - Prosperous Menu 12 – Avoid over-the-phone purchases DIETS 13 – Never provide personal information 14 – Diets – Eat Less / Save Money Little evidence of success Best Program – Weight Watchers Best Answers: Eat Less Eat nutritionally balanced meals Exercise http://www.nejm.org/doi/full/10.1056/NEJMoa0804748 CONSUMER RECOMMENDATIONS

17. 1 – Pay by Credit Card 2 – Debit Card – Beware 3 – Use Credit Unions 4 – Marry the Right Person 5 – Life Insurance 6 – Warranties – Generally Avoid 7 – Extended Warranties – Always Avoid 8 – Avoid Insurance Small Claims 9 – Avoid Rent-to-Own Appliances 10 – Avoid Contests 11 – Food Storage - Prosperous Menu 12 – Avoid over-the-phone purchases 13 – Never provide personal information WEALTH OF GREAT HEALTH 14 – Diets – Eat Less / Save Money 15 – Wealth of Great Health Annual Federal Revenue $ 247 Billion You have to care Perform regular wellness profiles Get regular physical examinations Minimize ‘at risk’ health profiles CONSUMER RECOMMENDATIONS

18. 1 – Pay by Credit Card 2 – Debit Card – Beware 3 – Use Credit Unions 4 – Marry the Right Person 5 – Life Insurance 6 – Warranties – Generally Avoid 7 – Extended Warranties – Always Avoid 8 – Avoid Insurance Small Claims 9 – Avoid Rent-to-Own Appliances 10 – Avoid Contests 11 – Food Storage - Prosperous Menu 12 – Avoid over-the-phone purchases 13 – Never provide personal information REGULARLY GIVE BLOOD 14 – Diets – Eat Less / Save Money 15 – Wealth of Great Health 16 – Give Blood It’s a great ‘free’ medical examination ‘Recycling’ is good for everyone CONSUMER RECOMMENDATIONS

19. 1 – Pay by Credit Card 2 – Debit Card – Beware 3 – Use Credit Unions 4 – Marry the Right Person 5 – Life Insurance 6 – Warranties – Generally Avoid 7 – Extended Warranties – Always Avoid 8 – Avoid Insurance Small Claims 9 – Avoid Rent-to-Own Appliances 10 – Avoid Contests 11 – Food Storage - Prosperous Menu 12 – Avoid over-the-phone purchases GET A FLU SHOT 13 – Never provide personal information 14 – Diets – Eat Less / Save Money 15 – Wealth of Great Health 16 – Give Blood – Get a flu shot http://www.npr.org/templates/story/story.php?storyId=97780307 CONSUMER RECOMMENDATIONS

20. 1 – Pay by Credit Card 2 – Debit Card – Beware 3 – Use Credit Unions 4 – Marry the Right Person 5 – Life Insurance 6 – Warranties – Generally Avoid 7 – Extended Warranties – Always Avoid 8 – Avoid Insurance Small Claims 9 – Avoid Rent-to-Own Appliances 10 – Avoid Contests 11 – Food Storage - Prosperous Menu 12 – Avoid over-the-phone purchases 13 – Never provide personal information INSPECTIONS HOME AND AUTO 14 – Diets – Eat Less / Save Money 15 – Wealth of Great Health 16 – Give Blood – Get a flu shot 17 – Home and Auto Inspections Never purchase without an inspection CONSUMER RECOMMENDATIONS

21. 1 – Pay by Credit Card 2 – Debit Card – Beware 3 – Use Credit Unions 4 – Marry the Right Person 5 – Life Insurance 6 – Warranties – Generally Avoid 7 – Extended Warranties – Always Avoid 8 – Avoid Insurance Small Claims 9 – Avoid Rent-to-Own Appliances 10 – Avoid Contests 11 – Food Storage - Prosperous Menu 12 – Avoid over-the-phone purchases 13 – Never provide personal information RECREATIONAL VEHICLES AND CABINS 14 – Diets – Eat Less / Save Money 15 – Wealth of Great Health 16 – Give Blood – Get a flu shot 17 – Home and Auto Inspections 18 – Recreational Assets – Rent Rent – Don’t Own CONSUMER RECOMMENDATIONS

22. 1 – Pay by Credit Card 2 – Debit Card – Beware 3 – Use Credit Unions 4 – Marry the Right Person 5 – Life Insurance 6 – Warranties – Generally Avoid 7 – Extended Warranties – Always Avoid 8 – Avoid Insurance Small Claims 9 – Avoid Rent-to-Own Appliances 10 – Avoid Contests 11 – Food Storage - Prosperous Menu 12 – Avoid over-the-phone purchases 13 – Never provide personal information REAL ESTATE TIME SHARE 14 – Diets – Eat Less / Save Money 15 – Wealth of Great Health 16 – Give Blood – Get a flu shot 17 – Home and Auto Inspections 18 – Recreational Assets – Rent 19 – Time Share – only secondary market Only in the secondary market CONSUMER RECOMMENDATIONS

23. 1 – Pay by Credit Card 2 – Debit Card – Beware 3 – Use Credit Unions 4 – Marry the Right Person 5 – Life Insurance 6 – Warranties – Generally Avoid 7 – Extended Warranties – Always Avoid 8 – Avoid Insurance Small Claims 9 – Avoid Rent-to-Own Appliances 10 – Avoid Contests 11 – Food Storage - Prosperous Menu 12 – Avoid over-the-phone purchases 13 – Never provide personal information FAST CASH ANYTHING 14 – Diets – Eat Less / Save Money 15 – Wealth of Great Health 16 – Give Blood – Get a flu shot 17 – Home and Auto Inspections Always avoid: 18 – Recreational Assets – Rent ‘Pay day’ loans 19 – Time Share – only secondary market ‘Title’ loans 20 – Avoid ‘fast cash’ anything ‘Tax anticipation’ loans The United States Department of Defense considers rent-to-own a predatory lending practice (defined as an "unfair or abusive loan or credit sale transaction or collection practice"), ‘Every is approved’ loans http://en.wikipedia.org/wiki/Rent-to-own and groups it with payday loans, title loans, refund anticipation loans and other similar practices. CONSUMER RECOMMENDATIONS

24. 1 – Pay by Credit Card 2 – Debit Card – Beware 3 – Use Credit Unions 4 – Marry the Right Person 5 – Life Insurance 6 – Warranties – Generally Avoid 7 – Extended Warranties – Always Avoid 8 – Avoid Insurance Small Claims 9 – Avoid Rent-to-Own Appliances 10 – Avoid Contests HOME ‘WHERE SMART BEGINS’ 11 – Food Storage - Prosperous Menu PURCHASING FURMULA 12 – Avoid over-the-phone purchases 13 – Never provide personal information HIGHEST BREADWINNER monthly income 14 – Diets – Eat Less / Save Money (-) Monthly Obligations: Debt Payments 15 – Wealth of Great Health Tithing 16 – Give Blood – Get a flu shot = Net Monthly Income 17 – Home and Auto Inspections (x) 35% = Maximum Monthly Payment 18 – Recreational Assets – Rent Avoid Gimmick Loans 19 – Time Share – only secondary market Adjustable Rate Interest / Interest Only 20 – Avoid ‘fast cash’ anything THE ‘SMARTER’ HOME 21 – Home 'Where Smart Begins' The ‘McMansion’ – the size Used are better – the new home smell Well established neighborhoods – the neighbors http://money.cnn.com/2010/08/26/real_estate/the_typical_homeowner/index.htm CONSUMER RECOMMENDATIONS

25. 1 – Pay by Credit Card 2 – Debit Card – Beware 3 – Use Credit Unions 4 – Marry the Right Person 5 – Life Insurance 6 – Warranties – Generally Avoid 7 – Extended Warranties – Always Avoid 8 – Avoid Insurance Small Claims 9 – Avoid Rent-to-Own Appliances 10 – Avoid Contests 11 – Food Storage - Prosperous Menu 12 – Avoid over-the-phone purchases 13 – Never provide personal information EQUITY LOANS 14 – Diets – Eat Less / Save Money 15 – Wealth of Great Health DEBT CONSOLIDATION LOANS 16 – Give Blood – Get a flu shot 17 – Home and Auto Inspections 18 – Recreational Assets – Rent 19 – Time Share – only secondary market 20 – Avoid ‘fast cash’ anything 21 – Home 'Where Smart Begins' 22 – Home equity – debt consolidation Avoid the temptation CONSUMER RECOMMENDATIONS

26. 1 – Pay by Credit Card 2 – Debit Card – Beware 3 – Use Credit Unions 4 – Marry the Right Person 5 – Life Insurance 6 – Warranties – Generally Avoid 7 – Extended Warranties – Always Avoid 8 – Avoid Insurance Small Claims 9 – Avoid Rent-to-Own Appliances 10 – Avoid Contests 11 – Food Storage - Prosperous Menu 12 – Avoid over-the-phone purchases 13 – Never provide personal information AVOID OBLIGATING BOTH INCOMES 14 – Diets – Eat Less / Save Money 15 – Wealth of Great Health 16 – Give Blood – Get a flu shot 17 – Home and Auto Inspections 18 – Recreational Assets – Rent 19 – Time Share – only secondary market 20 – Avoid ‘fast cash’ anything At greatest risk of bankruptcy 21 – Home 'Where Smart Begins' 22 – Home equity – debt consolidation 23 – Avoid ‘obligating’both incomes CONSUMER RECOMMENDATIONS

27. 1 – Pay by Credit Card 2 – Debit Card – Beware 3 – Use Credit Unions 4 – Marry the Right Person 5 – Life Insurance 6 – Warranties – Generally Avoid 7 – Extended Warranties – Always Avoid 8 – Avoid Insurance Small Claims 9 – Avoid Rent-to-Own Appliances 10 – Avoid Contests 11 – Food Storage - Prosperous Menu 12 – Avoid over-the-phone purchases 13 – Never provide personal information ALWAYS HAVE HEALTH INSURANCE 14 – Diets – Eat Less / Save Money 15 – Wealth of Great Health 16 – Give Blood – Get a flu shot 17 – Home and Auto Inspections 18 – Recreational Assets – Rent 19 – Time Share – only secondary market 20 – Avoid ‘fast cash’ anything At greatest risk of bankruptcy 21 – Home 'Where Smart Begins' 22 – Home equity – debt consolidation 23 – Avoid ‘obligating’both incomes 24 – Always have health insurance CONSUMER RECOMMENDATIONS

28. 1 – Pay by Credit Card 2 – Debit Card – Beware 3 – Use Credit Unions 4 – Marry the Right Person 5 – Life Insurance 6 – Warranties – Generally Avoid 7 – Extended Warranties – Always Avoid 8 – Avoid Insurance Small Claims 9 – Avoid Rent-to-Own Appliances 10 – Avoid Contests 11 – Food Storage - Prosperous Menu 12 – Avoid over-the-phone purchases 13 – Never provide personal information AVOID ‘UP-FRONT’ FEES 14 – Diets – Eat Less / Save Money 15 – Wealth of Great Health 16 – Give Blood – Get a flu shot 17 – Home and Auto Inspections For most all professional services 18 – Recreational Assets – Rent 19 – Time Share – only secondary market 20 – Avoid ‘fast cash’ anything 21 – Home 'Where Smart Begins' 22 – Home equity – debt consolidation 23 – Avoid ‘obligating’both incomes 24 – Always have health insurance 25 – Avoid ‘up-front fees’ CONSUMER RECOMMENDATIONS

29. 1 – Pay by Credit Card 2 – Debit Card – Beware 3 – Use Credit Unions 4 – Marry the Right Person 5 – Life Insurance 6 – Warranties – Generally Avoid C.I.A. 7 – Extended Warranties – Always Avoid 8 – Avoid Insurance Small Claims www.privacyrights.org 9 – Avoid Rent-to-Own Appliances 10 – Avoid Contests 11 – Food Storage - Prosperous Menu Check those who are checking on you 12 – Avoid over-the-phone purchases 13 – Never provide personal information 14 – Diets – Eat Less / Save Money 15 – Wealth of Great Health 16 – Give Blood – Get a flu shot 17 – Home and Auto Inspections 18 – Recreational Assets – Rent 19 – Time Share – only secondary market 20 – Avoid ‘fast cash’ anything 21 – Home 'Where Smart Begins' 22 – Home equity – debt consolidation 23 – Avoid ‘obligating’both incomes 24 – Always have health insurance 25 – Avoid ‘up-front fees’ 26 – C.I.A. CONSUMER RECOMMENDATIONS

30. 26 – C.I.A. 27 – Large Purchases Large Purchases Sleep on it for at least one night Mentor – someone who doesn’t make money on your purchase CONSUMER RECOMMENDATIONS

31. 26 – C.I.A. 27 – Large Purchases 28 – Credit Card 'Rewards' - Take the Cash http://personal.fidelity.com/misc/buffers/retirement-rewards-card.shtml.cvsr CREDIT CARD ‘REWARDS’ Take the CASH CONSUMER RECOMMENDATIONS

32. 26 – C.I.A. 27 – Large Purchases 28 – Credit Card 'Rewards' - Take the Cash 29 – Debit Card 'Rewards' - Take the Cash DEBIT CARD ‘REWARDS’ Take the CASH CONSUMER RECOMMENDATIONS

33. 26 – C.I.A. 27 – Large Purchases 28 – Credit Card 'Rewards' - Take the Cash 29 – Debit Card 'Rewards' - Take the Cash 30 – Internet Information Source INTERNET INFORMATION SOURCES Free information phenomena S.I.O.U. Surprisingly Insightful Objective and User Friendly CONSUMER RECOMMENDATIONS

34. 26 – C.I.A. 27 – Large Purchases 28 – Credit Card 'Rewards' - Take the Cash 29 – Debit Card 'Rewards' - Take the Cash 30 – Internet Information Source 31 – Business ‘Opportunities’ BUSINESS ‘OPPORTUNITIES’ Carefully consider the probability of success The Best – Franchises – 95% Success The Worst – Multi-level Marketing – 99.9% Failure ‘Big Money’ schemes: Real Estate Investor Seeks Apprentice Part-time work at home for $20,000 month CONSUMER RECOMMENDATIONS

35. 26 – C.I.A. 27 – Large Purchases 28 – Credit Card 'Rewards' - Take the Cash 29 – Debit Card 'Rewards' - Take the Cash 30 – Internet Information Source 31 – Business ‘Opportunities’ 32 – Education Ingenuity EDUCATION INGENUITY Plan early Creative Ingenious Teenage Scholarships, Grants, etc. Keep applying even while in college http://www.getrichslowly.org/blog/2010/10/17/reader-story-scholarships-for-fun-and-profit/ CONSUMER RECOMMENDATIONS

36. 26 – C.I.A. 27 – Large Purchases 28 – Credit Card 'Rewards' - Take the Cash 29 – Debit Card 'Rewards' - Take the Cash 30 – Internet Information Source 31 – Business ‘Opportunities’ 32 – Education Ingenuity 33 – Six Career Absolutes SIX CAREER KEYS C Cash – a ‘Living’ Salary A Advancement Potential R Retirement Benefit – 401(k) with Match E Education Benefit E Enlightened Professional Growth Path R Risk Management – HSA Health Insurance CONSUMER RECOMMENDATIONS

37. 26 – C.I.A. 27 – Large Purchases 28 – Credit Card 'Rewards' - Take the Cash 29 – Debit Card 'Rewards' - Take the Cash 30 – Internet Information Source 31 – Business ‘Opportunities’ FINANCIAL DISCIPLINE 32 – Education Ingenuity 33 – Six Career Absolutes 34 – Financial Resource Discipline Six Levels of ‘Budgeting’ 1 - Keeping Track of Expenses 2 - Summarize Expenses in Categories 3 - Projecting Categories for Next Year 4 - Limiting Expenses within Categories 5 - Planning to Reduce Expenses MILLION DOLLAR CHOICESTM CONSUMER RECOMMENDATIONS

38. 26 – C.I.A. 27 – Large Purchases 28 – Credit Card 'Rewards' - Take the Cash 29 – Debit Card 'Rewards' - Take the Cash 30 – Internet Information Source 31 – Business ‘Opportunities’ 32 – Education Ingenuity ESTATE PLANNING 33 – Six Career Absolutes 34 – Financial Resource Discipline 35 – Estate Planning – Make a Will EIGHT KEY DOCUMENTS 1 – Will 2 – Living Trust 3 – Living Will 4 – Power-of-Attorney for Health Care 5 – Durable Power-of-Attorney 6 – Life History 7 – “I didn’t know I wouldn’t be here to say good-bye” 8 – Family Medical History 2010 – Copy of Will Maker Plus on www.ebay.com – $14.99 CONSUMER RECOMMENDATIONS

39. 26 – C.I.A. 27 – Large Purchases 28 – Credit Card 'Rewards' - Take the Cash 29 – Debit Card 'Rewards' - Take the Cash 30 – Internet Information Source 31 – Business ‘Opportunities’ 32 – Education Ingenuity 33 – Six Career Absolutes 34 – Financial Resource Discipline 35 – Estate Planning – Make a Will 36 – Consumer Purchasing CONSUMER PURCHASES www.consumersearch.com www.pricegrabbers.com CONSUMER RECOMMENDATIONS

40. 26 – C.I.A. 27 – Large Purchases 28 – Credit Card 'Rewards' - Take the Cash 29 – Debit Card 'Rewards' - Take the Cash 30 – Internet Information Source 31 – Business ‘Opportunities’ 32 – Education Ingenuity 33 – Six Career Absolutes 34 – Financial Resource Discipline PROSPEROUS MENU PLANNING 35 – Estate Planning – Make a Will 36 – Consumer Purchasing 37 – Prosperous Menu Planning TWO WEEK MEAL MENU 1 – Multiply into one year pantry 2 – Purchase in bulk 3 – Purchase on sale 4 – Foods that can be stored 5 – Meals that are nutritional 6 – Meals that kids will eat 7 – Alternative to excessive eating out CONSUMER RECOMMENDATIONS

41. 26 – C.I.A. 27 – Large Purchases 28 – Credit Card 'Rewards' - Take the Cash 29 – Debit Card 'Rewards' - Take the Cash 30 – Internet Information Source PRESCRIPTION MEDICATIONS 31 – Business ‘Opportunities’ 32 – Education Ingenuity 33 – Six Career Absolutes 34 – Financial Resource Discipline 35 – Estate Planning – Make a Will 36 – Consumer Purchasing 37 – Prosperous Menu Planning 38 – Prescription Medications www.costco.com GREAT CHOICES www.walmart.com www.destinationrx.com BYU Student Medical Center Patient Assistance Program Recurring Prescriptions over $50 CONSUMER RECOMMENDATIONS

42. 26 – C.I.A. 27 – Large Purchases IDENTIFY THEFT SERVICES 28 – Credit Card 'Rewards' - Take the Cash 29 – Debit Card 'Rewards' - Take the Cash 30 – Internet Information Source 31 – Business ‘Opportunities’ 32 – Education Ingenuity 33 – Six Career Absolutes 34 – Financial Resource Discipline 35 – Estate Planning – Make a Will Not worth the money 36 – Consumer Purchasing www.privacyrights.org 37 – Prosperous Menu Planning 38 – Prescription Medications 39 – Identity Theft Services CONSUMER RECOMMENDATIONS

43. 26 – C.I.A. 27 – Large Purchases 28 – Credit Card 'Rewards' - Take the Cash 29 – Debit Card 'Rewards' - Take the Cash 30 – Internet Information Source 31 – Business ‘Opportunities’ 32 – Education Ingenuity TEACH CHILDREN 33 – Six Career Absolutes 34 – Financial Resource Discipline 35 – Estate Planning – Make a Will 36 – Consumer Purchasing 37 – Prosperous Menu Planning 38 – Prescription Medications 39 – Identity Theft Services By example 40 – Teach Your Children 80% Chance – Just like you EOC – serious threat to future assets Creative-Ingenious Teenage Opportunities Pay for some or all of education and mission experiences CONSUMER RECOMMENDATIONS

44. 26 – C.I.A. 27 – Large Purchases 28 – Credit Card 'Rewards' - Take the Cash 29 – Debit Card 'Rewards' - Take the Cash 30 – Internet Information Source 31 – Business ‘Opportunities’ 32 – Education Ingenuity 33 – Six Career Absolutes 34 – Financial Resource Discipline 35 – Estate Planning – Make a Will 36 – Consumer Purchasing 37 – Saving 38 – Prosperous Menu Planning 39 – Prescription Medications 40 – Identity Theft Services 41 – Teach Children by Example 42 – 43 – 44 – 45 – 46 – 47 – 48 – 49 – 50 – 51 – CONSUMER RECOMMENDATIONS