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This is one of the biggest wastes of money. The fact is only a small handful of people will use this "Insurance" but the fees you pay out for it can really add up. They promise to pay your credit card payments should you become disabled or unemployed. That may be fine if you think that is a real threat in your life but on the average, the industry cranks in millions and most consumers never use the insurance.

If your first three months haven't brought you any closer to your goal, don't waste another three, doing exactly the same thing! Revise accordingly. Be realistic. Goals are like maps, they guide you to where you wish to go. The beauty of goals they can be changed as needed.

How many times have you cosigned a loan for one of your children? Probably at least once, as many parents have. This is O.K. if you implicitly trust your child and have the money to pay it in case they can't, but if you know little about your responsibilities as a cosigner then think before you sign. First off, your credit will be affected if the payments are late.

Payday loans are another trap. Simply put: If you do not have the money now, what makes you think you can pay back an advanced loan with fees in a week or two out of your paycheck? This is a bad cycle to get into and the industry makes millions off of desperate consumers.

Many people now into health and wellness realize that they need to be taking better care of their bodies and their environment. Doctors, specialists, nutritionists, athletic trainers, etc. are definitely an important part of wellness efforts, but the main person truly concerned about your health is YOU!

After about two years of pushing everyone I knew away from me trying to sell this "plan", I realized that it was all just a sugar coated B S Pill. The dreams of being or getting rich are the sugar coating, everything else is B S. Eventually, everyone smells the B S and so eventually will you taste the B S. So I got out, and got smart and started training myself for a real career.

Signage directional specialist Many people now into health and wellness realize that they need to be taking better care of their bodies and their environment. Doctors, specialists, nutritionists, athletic trainers, etc. are definitely an important part of wellness efforts, but the main person truly concerned about your health is YOU!

Better still - you can use the crowdsourced network of Sparked to seek out non-profit volunteers willing capable to help your nonprofit get going. Perhaps constructing a media plan is not your strong suit. Submit an in-depth request on Sparked and expect replies from those that know something about media options.