Has someone stolen your identity?

If someone steals your identity, he can get your tax refund and have it mailed to his house. Really. He can get into your bank accounts and siphon out money. He can use your credit card account numbers and run up a big bill. He can mess with your credit score. And his  stealing, putting your name on bill and then a collection agency’s call list, can keep you from getting more credit or even a job.

(Now for the giggle part of the Hot Financial take on this issue.

No, identity thieves never steal your wrinkles, gray hair, love handles, nor muffin tops. Nope. They want your money. And if they masquerade as you, using your account numbers, they can get some moolah. Why mug you in a dark alley? It is so much less fuss and bother for an identity thief to just input your information into a computer, pretend he is you, and take money out of your accounts.

These identity theft efforts are even harder to catch than those old emails from   so-called “Nigerian princes.”)

Note to readers: this indented section  is designed to encourage you to LOL. So note the little smiley face here   🙂

Identity theft is serious. It could really put a crimp in your financial security and your future. So click on this government site  FTC Identity Theft  (you can trust it) to get some important and free copies.

There are 3 brochures on the basics :

  1. One on the basics called “What to do know and what to do.”
  2. One to help you protect your children.
  3. And the last one is for you, if you suspect their is a problem or you are “in crisis” it is called “What to do if your identity is, in fact, stolen.”

 

Take action. This is important. Hot Flash Financial Important!!

 

OH AND COMMENT BELOW.

DID YOU WRESTLE WITH AN IDENTITY THIEF? WHAT HAPPENED?

DO  YOU SUSPECT YOU MAY BE VULNERABLE TO IDENTITY THEFT? TAKE ACTION.

 

(TO PROTECT YOURSELF–DO NOT TELL US YOUR SOCIAL SECURITY NUMBER, OR ANY ACCOUNT NUMBERS WHEN YOU RESPOND.)

Play on the internet and learn more

There are some really intriguing tool kits out there on the internet. They help us at  Hot Flash Financial help you  learn more, and get more control over your money and your future. So you  can become more financially secure. 

We like to recommend the sites developed by non-profits and research organizations, if not the U.S. government. They tend to be free, and they do not try to sell you anything.

Today’s recommendation: Take a look at NEFE’s (National Endowment for Financial Education) newly designed site. Be sure to explore the section called My Retirement Paycheck. This toolkit  helps you think about the kinds of  challenges you face, and the decisions you will need to make over the next 20-30+ years.

Take Social Security. We at Hot Flash  Financial encourage you to make a careful decision about the date you start your Social Security Benefits. Why, because you have more control than you probably thought you did. And Social Security is an very important part of most women’s income after age 65. So your decision about the age you start to take your benefits will have a very big  impact on your financial security. Social Security lets you decide to start to receive monthly checks when you are age 70, 66 or 62, or anywhere in between.

Why would you want to wait until age 70? Well NEFE points out that you will get a lot more dollars in your monthly benefit if you wait. How much more money? Oh, about 75% more than you would if you started at age 62. (That is almost, but not quite double the amount. So if you got $1,000 a nmonth at age 62, you would get $1,750 a month if you waited until age 70 to start your social security benefits. Now that might be worth waiting for.)

There are other really important  issues to consider. And NEFE puts them right up there for you to consider. What will be the best decisions to make about the money in your   retirement plan? What can you do about  medical insurance. What should you consider when you think about your home and  your mortgage? Pay it off? Or sell your home and downsize so you can take  the equity (or gain) and use it for income?

We at Hot Flash Financial encourage you to check out this site.  They have a format someone like ours. Ask yourself a question, and then get answers, right on the site.

So click around the web page devoted to retirement and your retirement paycheck. You will be glad you did.

Comment below so we can see what you think.

What will motivate you to ACT in your self interest! FEAR? RISK?

FEAR? Or the knowledge that you face some serious RISKS?  Will they motivate you to ACT in your own self interest? If they do, read on. Because we, at Hot Flash Financial want you to take action to improve your finances.

Do you know that you face a big risk, or even 2 risks?

  1. Because you are a woman in the U.S. today, you  are likely to live longer than a man. So you face LONGEVITY RISK. That is you RISK  running out of money before you run out of breath.
  2. Since you are going to live 30, 40, or maybe 50 years after your Hot Flashes start, you also face another risk–INFLATION RISK.  Why? Well, you know that, over time, prices always go up, rather than down. So the amount you will pay for food, electricity, cable, mobile phones and other things will go up in a decade or 3. So you will need more money 30 years from now to pay for the comforts you enjoy–electricity, heat, air conditioning and the things you have today.

Now don’t get fearful. Get ACTIVE. Work with Hot Flash Financial to combat these risks. Or at least manage these risks. 

At Hot Flash Financial we will give you a clear set of Steps to follow so that you can ACT to make you more financially secure. Use this site, use the steps we give you,

  • to increase your knowledge about your money and your finances.
  • to learn to think about your money in a different way.
  • to learn to CHANGE the ways you use money (after all Hot Flashes are also called “The Change”).
  • to begin to practice new skills, then get better and better at DOING the THINGS YOU NEED TO DO to be more financially secure.
  • to learn to laugh to release the tensions you might feel about money and the RISKS you face
  • to appreciate the joy that comes from increasing your control over money, while laughing your way to the bank and a secure future.
  • to enjoy the  the independence that money brings .

 

So work with us here at Hot Flash Financial. Set aside an hour  each week, to click on this site and  follow the steps we give you.

That is, if you want to reduce your RISK.

 

Because if you DO NOTHING, you INCREASE YOUR RISK exponentially.

What will motivate you? A bargain?

Are you one of those girls who wants to get something for free, or at least 20% off.

Well, have we got a bargain for you!

Hot Flash Financial’s 3 step Financial Plan to improve your money situation and your future. Hot Flash Financial offers a major breakthrough. Unlike competitors who offer just one method, we eliminate the discomfort of having too little money when you are 85.

Hot Flash Financial easily removes Money Stress. It is GREAT for any woman with, or without, Hot Flashes.

 

What’s more,  Hot Flash Financial is Absolutely  Free!!! (for more than 30 days).

But Wait! If you click right now, we will give you very professional advice to improve your money situation today and in the future. 
  Advice that you probably know you should follow.
If you click on this site now, we will give you 8 Questions at no additional cost. And we will give you some hints to help you formulate your answers.Then, we will give you the steps you can take to make your life better. You will see the results in 6 weeks or more.
So click on this site now!
You can Buy One and Get one FREE. That way you Girlfriend  can start TODAY!
Who else will give you such important information that will improve your life, while not asking for money from you? Your hairdresser wants to be paid for his/her time. So does the manicurist and pedicurist, your masseuse, doctor, dentist, ….. you name it. 
We at Hot Flash Financial don’t demand cash nor credit to “make your life better.” Take advantage of our offer.”

What will motivate you? Your personality?

Are you  conscientious, emotionally stable, agreeable, an extrovert, who is open to experience?

If so, researchers say that you are likely to be, or  become more financially secure.

Here is a link to a summary of findings at the great  Boston College site.

 

But what if you are not all those things?

What if, somehow you lack one of those great Girl Scout personality traits? You raised your hand and took the pledge, but you knew, deep down inside that you were, well…… human.

Well, we love you here at Hot Flash Financial. We accept you and think you just have to follow the steps we give you! You’ll do fine.

 

Here at Hot Flash Financial we don’t  believe that anyone can be “perfect.”  In fact, we know we are imperfect. After all, we have hot flashes, don’t we?  We believe we have to have a sense of humor about these things. So read about  Using Laughter as a Weapon. It is a crucial part of the Hot Flash improvement plan for Your Financial Security.

So  join us.

Write a comment.

Click around this site.

And get your best friends to read the blogs, write comments and use laughter as a weapon with you. After all, Hot Flash Financial wants you to enjoy a future shared with good friends, and other loved ones, rich with laughter, as well as financial security. So bring the girls in, and start sharing the laughter now!

 

 

 

What will motivate you?

We want you to take yourself seriously. We think you are worth it. So we are going to encourage you to take some time for yourself, and some money for yourself. So you can improve your finances and your future.

We are going to start with a series of blogs that ask you a question? What will motivate you to act in your own self interest? To improve your control over money and your future?

We are going to ask a lot of different questions. We recognize that there is diversity out there. We women have different backgrounds and perspectives, as well as different challenges. Some of us are younger, with hot flashes on the horizon. Others are older, with the heat and frantic fanning a distant memory. Some of us are married, some divorced or widowed and some have never, ever married. There are so  many differences that not all of us can be moved to action with the same set of words.

So read these blogs and focus on the Motivation issue that hits home for you. Is it

  • fear, or a
  • concern you will be a burden to your children? Is it
  • lack of knowledge? Is it that
  • you  have never been employed and relied on your partner for income? Is it that
  • you and your partner argue a lot about money and so you are rightly concerned about opening a Pandora’s box? Is it that you have
  • run into real trouble in the Great Recession–you may be unemployed, and/or your house is worth a lot less than your mortgage, or worse?
  • all of the above or some of the above?
Read our blogs. Comment on them. Click around on our sit. Tell your friends about us. Get them to click around the site too. Get them to join you as you ASK our questions and try to develop ANSWERS. Then ACT! to improve your control over your money and your future.