Health and Wealth Chica

If you have kids under the age of 18 you need to do your own research on Trump Accounts. I was amazed and appalled at how some of you are letting the blind lead you.

The blind leading the blind.

When the hate is big the volume can be loud.

Just because someone is shouting and the loudest voice you can hear DOES NOT MAKE them correct. DOES NOT MAKE them worthy of you blindly following them or their biased advice and information.

As a financial counselor, I'm the sounding board. If you happen to land on a Trump hating forum (like I did) KNOW that the information is going to be massively biased.

IF YOU don't use your own research and your own brain to understand and make a decision for yourself (rather than let some mad woman or man tell you what you should do) you may be cheating your kids out of money!!

"Get $1,000 for every American child born between January 1, 2025 and December 31, 2028. Source: trumpaccounts.gov

You don't have to like the guy to have your children benefit.

Learn about Trump accounts now, so that you are positioned to take advantage when they go live (or not)! Link in the comments.

Many individuals and families are feeling the pressure of rising healthcare premiums. For some, it can feel like deciding between maintaining coverage or covering essential living expenses—an impossible choice no one should have to make.

What many don’t realize is that there are affordable alternatives. One option is Impact Health Sharing, a cost-effective solution that provides quality care without the traditional insurance price tag.

If your insurance professional hasn’t discussed health sharing with you, it’s worth asking why. Many households are saving up to 50% compared to traditional health insurance.

If you’re exploring ways to reduce your healthcare costs in 2025, I’m happy to provide a free, no-obligation quote so you can see what your potential savings could be.

Feel free to reach out anytime.

A criminal doesn't break-in to your house and steal the physical title locked in your lockbox....no —a criminal knows how to exploit the system.

According to the National Association of REALTORS® 2025 Deed & Title Fraud Survey, 63% of realtors reported seeing deed or title fraud in their markets over the past year!!

One less thing to worry about when you are protected with IDSeal.

With my concierge service I can cover you for less than paying for 2 Venti matcha oat milk Latte's from Starbucks. Check the comments

Your health is your wealth! 💪 Focus on wellness and make choices today that your future self will thank you for.

Remember, resilient choices protect both body and heart.

Protect your health with Impact Health Sharing a lower cost alterative to the high cost of insurace.

Learn about this non profit community based approach to healthcare.

Click link in comments.

If you are interested in making a better income from your rentals then join me tomorrow at 6 PM EST in my interview with Elena Bartash. Subscribe to not miss on more episodes @ Real Freedom Podcast on YT. Link in the comments.

Geremy Chavez: Co-living. How One Home Became a Co-Living Hack 🎙 This is a live session from my ongoing series inside our Co-Living Community on Facebook. Join community and enjoy exclusive co-living content: / rentin...

April is Financial Literacy Month! In this video I will go over: Is it a scam? What scammers want? What are signs of scams? How do you protect yourself? How to report scams?
Let's get better at identifying scammers and fraudsters as these are getting harder and harder to identity. One day AI will make it impossible to know.
Ask me about ID Seal and how it will help protect you and your finances up to $1M in coverage, plus your credit report/ scores, and devices such as your laptop with VPN, malware, antivirus scanning, and more.

Click the Streamyard button below to watch my video.

https://streamyard.com/pe5bu5jtyw6u?fbclid=IwY2xjawJaaWtleHRuA2FlbQIxMQABHQ9ahFt1tzHanhg99GnZo8ZXQGuJzCxxGCZ-pFpGj8uVVt_tn7o8N8MOBw_aem_FXaL-uvye1bwoPfngjubog

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🔥 Money Tip Monday! 🔥

Take the next step to protect your identity. It’s more than just your identity, it’s your good name, your finances, your access, your employment, your taxes, your convenience, your leverage, your legacy, put plainly– it’s your life!

In the past couple weeks, I’ve been having many conversations over Identity Theft protection. I stirred up a lot of discussions with the week of FB lives I did in recognition of Identity Theft Protection week.

Do you remember that?
If you missed out feel free to scroll down and find the 5 days of FB Lives on ID Theft Protection.

Anyway, friends and family are concerned with good reasons (the bots people- the AI bots!) not to mention people are just getting better at stealing our info, and all the breaches…

As I had these talks with friends and went over the pros and cons of other services on the market many of my friends decided that ID Seal® indeed is superior and went ahead and signed up.

As a home and business concierge I make it easy for customers to find efficiencies and cut costs with a simple 4-minute survey. It’s a complimentary service to help households and businesses see if I have a better deal for them on services they already have and pay for.

One of the questions on my survey is “have you been a victim of identity theft.” One of my friend’s taking the survey answered “no”. He knows Identity Theft Protection is important and so he went ahead and enrolled with ID Seal® anyway.

While walking through the account set up process over the phone with him, he immediately asks, “who’s blank blank?” (I’m not going to use the real guys name.)

I answered I don’t know.

Then he proceeded in a somewhat concerned voice, “he lives at blank blank, city, state, and his phone # is blank blank…” Then after a quiet pause, he says softly, “he’s using my social security number.”

Before he could emotionally hit rock bottom, I quickly reminded him that he was now protected with up to 1 million dollars’ worth of legal protection should he need it, and not to worry because we were going to take quick action to stop this problem from worsening.

With his permission, we immediately did a 3 way call to the Social Security Administration to report this fraud. Unfortunately, after a loooooong wait on the phone- you guessed it, “call volume was high so we had to leave a call back #”.

Unfortunately, the call back number was to my phone, so we hung up and decided to fill out the online from at https://secure.ssa.gov/oig/fraud

Let me remind you, my friend had answered “no” on his survey that he was never a victim of identity theft. Little did he know, that as we were speaking he indeed he was being victimized and his social security number was being used by a guy in Pennsylvania. He just didn’t know it yet.

Friends, it’s time for us to wake up and smell the risk.

For the cost of 2.5 Starbucks Latte’s you are forgoing a lot of pain, countless hours on the phone, standing in lines at the bank, making police reports, talking to chat bots and getting frustrated that you can’t talk to a human easily these days. Lost lunch breaks, taking days off from work to deal with identity theft is not worth the risk.

Protect yourself today! PM me to get you set up for success!

Report Fraud | Office of Inspector General

Have you been considering protecting your home with not JUST a camera, but monitoring and emergency services as well?! I've got a flash sale for ya! Buy one camera, get one doorbell camera FREE, and a $100 gift card.

Flash sale means it's short lived. Just today and tomorrow! Please PM for the details and the promo code 👊

🔥 It’s Money Tip Monday! 🔥

Got a collection account on your credit report? Avoid these three things and protect your finances.

No doubt, a collection account on your credit report will negatively impact your credit score, but when dealing with any collection account you’ll want to proceed with caution.

It’s completely understandable that you want to finally prioritize your credit because you want to buy a better car, a house, or even fund a business, however, rushing into tacking your debts in collections could end up costing you more money and making things a lot worse for your credit.

The three things you’ll want to avoid with a brief explanation are these:

1. Paying a large chunk of money on a collections account, without a strategy. Sure, it feels good to take your tax refund, for example, and boom pay down a big chunk of a debt, but the smarter thing to do is understand how your FICO credit score will respond to your payment.

A simple thing to remember is that FICO places more “weight” on the collections that are more recent. Therefore, prioritizing newer collections vs. old ones can be the beginning of a strategy.

2. Paying on an account that you are not sure you owe. For example, my client let’s call her Tanya, had moved 3 times in the past 5 years and one day a collector catches up to her and says she didn’t pay her cable bill from the apartment she lived in 5 years ago. Tanya says I think that I might have forgotten to pay that bill.

Don’t think. Verify!

You can simply request the collector to send you all the information about the account that they “believe you owe.” When you are attempting to “validate” the debt you do not want to take ownership, admit in any way that it is your debt, which leads me to thing #3 to avoid.

3. There are laws in each state that dictate how long a creditor/ collector could attempt to collect on a debt you owe them. There could be a difference between secured debt and unsecured debt, so become familiar with the statute of limitations law for your state.

The reason you want to avoid the above, not taking ownership or admitting in any way” that a debt “could be yours” is precisely because of this law.

>Understand what could trigger the statue of limitation to be reset. SUPER important.

Let’s look at what happened with Tanya. Tanya noticed a collections account on her credit report, and immediately called the phone #. It had been 5 years, with no activity on her collections account, which by that time had little effect on her credit report, and there was no threat of being sued for the debt. Once Tanya made that phone call, and promised to pay, she had unknowingly reset the statue of limitations law AND her old collections account which was not negatively impacting her credit score hardly at all, became active with her recent payment.

Could you guess what happened with her credit score?

Comment to let me know what your take away is for this MTM.

Was it that you should be strategic when planning payments on collections?

Was it that you could unknowingly reset statue of limitations?

Credit score can go down instead of up when you pay off a debt?

Have a great credit score already and want to protect it? Check out the comprehensive ID Theft Protection service I personally use. Link down in the comments.

🔥 Money Tip Monday! 🔥

Saving money can feel impossible when prices are rising, but small changes can add up to big savings!

Here are 5 ways to save more in a tough economy.

1️⃣ Review Your Monthly Bills – Many people overpay for home services like internet, cable, and security. Compare providers to find hidden savings! Tip- you should do this once a year. I recommend doing this yearly checkup to keep up to date on the services you have how they compare with other competitor services looking at cost and value provided.

2️⃣ Cut Out Unused Subscriptions – Check your bank statements for subscriptions you no longer use. Cancel and keep that money in your pocket! There are apps out there that can help you with this, but do your due diligence and ensure that you are working with a reputable service that is not just scamming you into giving them your personal bank information.

3️⃣ Buy in Bulk & Meal Prep – Stock up on essentials when prices are lower and meal prep to avoid expensive last-minute dining. Sometimes even investing in a stand alone freezer to bulk your meal preps, and freeze the individual meals can safe you in the long run, and make up for the upfront expense of a freezer. Tip- search for a great deal on FB Marketplace, or find a deal at a garage sale.

4️⃣ Automate Savings – Set up an automatic transfer to your savings account each payday. Even small amounts add up over time! DO THIS AUTOMATICALLY! Do not count on your memory, or your energy, or even that you won't be busy each payday. Automatic transfers from your paycheck into a savings account through your employer are almost always free. Also, you can do automatic transfers from your checking into your savings account through your bank. There's no reason not to do it this way. I call this set it and forget it savings.

5️⃣ Negotiate Your Rates – Did you know many companies will lower your bill if you ask? Call your service providers and request a better deal! It's a game changer once you learn this skill. I would be happy to provide you my sample script that I use inside of my paid program to you at no cost. PM me for that.

💡 Want to make sure you’re not overpaying on services for your home or business that you already have? I’m offering a FREE Home Services Comparison Review to help you find the savings! 💡 Tip- this will save you hours of calling around and doing the comparison shopping yourself! I'm saving people hundreds per year just on cell phone service alone!

📩 Comment "SAVE" below or message me to schedule your free review! Let’s put money back in your wallet! 💰🙌