Worth the Hassle

Today’s topic most certainly falls under the category of “things I know I should do, but I never feel like getting around to.”  Although this simple practice will help protect you from excessive damage from identity theft and is a habit of the financially responsible, all too often we’re apt to neglect checking our credit report.  But, with the information you’ll get below, you’ll find that this financial discipline is actually very easy, free, and will give you confidence in your financial health.

Despondent Lisa

Big Brother’s Watching

If you’ve never seen your credit report before, get ready to be surprised at all the information about you that’s floating out there in cyberspace! It addition to every credit account you’ve ever opened (many you’ve probably forgotten about), your credit report will show you previous addresses, phone numbers, and lots of other data that other parties collect about you.

Free is Good

There are three credit reporting agencies:  Equifax, Experian, and TransUnion.  You can access your credit report once per year from each agency for free by visiting www.annualcreditreport.com.  I checked mine earlier today, and from the moment I arrived at the site to the moment I printed my report was less than five minutes.

Watch for Posers

When looking over your report, note any activity that looks unfamiliar or suspicious.  If someone took out a loan or opened a credit card fraudulently in your name, it should show up on your report.  Take action to resolve these issues right away if they exist, as they’ll only get worse with time.  You may also want to close any inactive accounts that show a zero balance, as these can be easy openings for future identity theft.

Take a moment to download your report from one of the three bureaus today, and then set a calendar reminder four months from now to remind yourself to check another bureau then.  With this rotation you’ll get a copy of your report three times per year for free—and at a time cost of less than five minutes, we are all without excuse for knowing our financial health!

Your Surroundings

Imagine I had a very valuable and powerful computer, capable of extraordinary things and able to make me healthy, happy, and wealthy.  What should I do with this incredible machine?  If I asked you who I should have program it for me, who would you recommend?  Should I allow random coworkers, family members, or friends to load whatever content they want into my computer?

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Your Incredible Mind

Guess what—you do have a very powerful computer that can get you anything you want in life.  It’s called your brain!  Scientists are continually amazed at the incredible complexity and capability of the human mind.  And, just like a computer, your brain can be programmed.  In fact, your brain is being programmed whether you realize it or not!

The problem with most of us is that we are simply not intentional about what we allow to program our brains.  We often let the foolish words of well-meaning people invade our minds and keep us from growing to the heights we’re capable of.  One may try something great, fail, and accept failure as part of his life.  He then spreads his bile to those around him, discouraging others from pursuing their dreams, simply because he has failed, given up, and accepted defeat.

Filtering What Goes In

You have a choice.  You can spend time around the failure of a man described in the previous paragraph, letting his rotten ideas and programming spoil your mind.  Or, you can intentionally limit your time around such people and develop a filter for the junk ideas they spew.  Turning positively, you can seek out successful people, people who have achieved what you want and are seeking to improve themselves further still, and allow them to speak positive ideas into your mind.

Choose Your Associations Wisely

Success always requires hard work and sacrifice.  You can decide to accept your status quo as it is now and fill your life with distraction and entertainment.  Or, you can get around people who challenge, inspire, and motivate you.  The company you keep and the advice you follow will create the path and future of your life.  Will the path you’re on today lead to a thriving life?

Our Latest Blessing

My wife Michelle and I were greatly blessed yesterday to welcome our third child into the world!  Hannah was born happy and healthy at 7:15 in the morning, and mom and baby are both doing great!

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Our other two, Lydia and Nathan, were excited and intrigued to meet the newest member of our family! Michelle was such a trooper all through the labor and delivery, and all the nurses fawned over how tough she was and for her positive outlook and attitude. I’m married to a pretty amazing lady!

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God’s hand is so apparent in the experience of seeing a baby being born. God has made our bodies with such complexity and ingenious design, and the mysterious process of birth is an incredible sight to behold!

Even with this being our third, I found the beauty and excitement woven into Hannah’s birth transformational. Even as I left the hospital and drove along our familiar street, I felt that I saw the world around me differently. A new child has entered my life, and depends on me for physical, emotional, and spiritual support.

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Through parenthood, we get a small picture of the love God has for us. Like little children, mankind is dependent on God for life and existence. He gives to us great blessings, blessings we don’t deserve, out of his gracious love for us. Though Hannah may slip, make mistakes, fall, or rebel, my love for her will remain. So it is with our Father in heaven. Though we may break his Law, reject His ways, and refuse his Son as Savior, He remains patient with us, and gives us another breath and another chance to turn from sin and accept the Lord Jesus. Praise God for the love he bestows on us, and we thank Him for the precious gift He has given our family this week!

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