What is the Fastest Growing Crime in America?

What is the Fastest Growing Crime in America?

I am always shocked that so many people think they do not need ID Theft Protection! Some people have poor credit and think, “They can have my ID.” Others had no credit cards, so they believed they were safe from ID Theft.

Do these people have their heads in the sand?  Do they not read or listen to the news? Over 11 MILLION adults became of identity theft victims in the United States alone.

Those who use social media and mobile devices are at higher risk than those who do not, and they have higher incidents of ID fraud.  In addition, 7% of smart phone users were victims of identity fraud. Although we have been warned repeatedly, we are still placing too much personal information online. 

You need not own a credit card to have your ID stolen. A thief can use your personal information to acquire a credit card in your name. You may think you are safe, thinking that without your social security number, it is not possible. You would be wrong! Your social security number and all the personal data a thief needs is already in various databases that may be breached at any time. Unfortunately, this is not uncommon.

Lost or stolen wallets, checkbooks or credit card accounts, corrupt businesses or employees and breaches of consumer data are other ways thieves “become you.”

I recently spoke with a woman who was an ID Theft victim in the mid-1990’s. She is still – today, years later - receiving bills and phone calls from creditors demanding payment for accounts she never opened.

Possibly the worst identity theft, is stolen health records.  A thief can acquire your health insurance card number without too much difficulty.   They can then go to a hospital and have surgery – say having their appendix removed. Years later, you may get appendicitis. Since your medical records say you have no appendix, they don’t consider appendicitis as the cause of your pain, possibly endangering your life. Health-related ID theft is one of the newest and common forms of fraud.

Please, no matter whom you are, where you live, whether or not you have credit cards, sign up for Identity Theft Protection now, today, before you forget - before you become a victim!

LifeLock™ has a million dollar guarantee if you become a victim due to their error, and it is rated among the best ID theft protection programs available. When you purchase LifeLock™ directly from them, you’ll pay $10 per month per person. With Xpress Healthcare’s Lifestyle Select program for only $19.95 per month per FAMILY, you’ll get LifeLock™ for your entire immediate family, PLUS you’ll receive discounted roadside assistance, reduced pet care costs and legal services and more. 

Feel free to go to http://ibourl.net/XpressSavings to join Lifestyle Select. Even if you prefer to select another ID theft protection program, please register today!

Failure is a Better Teacher than Success

"Failure refers to the state or condition of not meeting a desirable or intended objective, and may be viewed as the opposite of success."  (http://en.wikipedia.org/wiki/Failure)

For all our efforts and our best intentions, we all fail on occasion.  Sometimes we fail miserably, and other times, not so much.

But failure is not necessarily a bad thing.  Failure is vital to the learning process, a way of filtering out what does and does not work.  For instance, you may try a new marketing technique for your business that is a total failure. You spent money on it, and it produced no new business.  So, you learned to never use that marketing technique again.  The failure was a lesson.

In business, we should explore new ideas and ways to work our businesses.  Experiment with different marketing concepts.  The experiment will either succeed or fail.  Then we move on to the next experiment, having learned from previous trials.

http://catalystmlm.com/wp-content/gallery/love-failure/love-mlm-failure-010.jpg

Using this pattern of exploring, experimenting and either succeeding or failing is a skill we need to hone.  When experimenting, if an idea is bringing no results, discontinue the trial.  As soon as you discover that what you are trying is not working, stop it immediately.  Do not keep wasting your time (and money).  

When you try something that is not successful, take time to analyze it.  Don’t just move on.  Look at what you did and why it failed.  In this way, you can examine all the components.  Perhaps part of the experiment is workable, worth using in your next trial.

I’d like to conclude with a few quotes about failure from some well known people.

“My great concern is not whether you have failed, but whether you are content with your failure.”

Abraham Lincoln

"Success consists of going from failure to failure without loss of enthusiasm."

Winston Churchill

"Success is not final, failure is not fatal: it is the courage to continue that counts."

Winston Churchill

"I can accept failure, everyone fails at something. But I can't accept not trying."

Michael Jordan

"Do not fear mistakes. You will know failure. Continue to reach out."

Benjamin Franklin

"Success is often achieved by those who don't know that failure is inevitable."

Coco Chanel

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For affordable discount plans to reduce your Health and Dental expenses AND reduce costs on Hearing, Vision, Prescriptions, Roadside Assistance, Lifelock™ and even more, visit: http://ibourl.net/XpressSavings (NOT insurance). 

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James Armistead, Revolutionary War Spy, Unsung Hero

Much of this information was found at http://content.time.com/time/specials/packages/article/0,28804,1963424_1963480_1963442,00.html.

Virtually all wars are fought with the help of spies, including the American Revolution. I am not an expert in American history, and I had never heard of James Armistead prior to seeing an episode of “Mysteries at the Museum” where his story was told.  I was fascinated, so I searched for more information about him online. 

Armistead was a slave born in the mid-1700’s in Virginia.  Both the British and Continental armies used spies to learn more about the activities of their enemy.  Armistead’s “master” gave him permission to join the revolutionary cause. There were many black men, both free and enslaved, were being used as spies on both sides.  James Armistead was unique, because he was a double agent being used by both sides.

Armistead was placed in the service under the (General) Marquis de Lafayette in about 1781.  Lafayette’s forces had been reduced by British General Charles Cornwallis’ troops after Benedict Arnold betrayal of the Continental Army.  

Lafayette was desperate for someone to provide him with information about the enemy’s movements. After gaining Lafayette’s trust by performing various jobs and tasks for him, Armistead was promised freedom if he worked as a spy for the Revolutionaries.  He began serving as an orderly and guide, posing as an escaped slave at Benedict Arnold’s camp. He acquired information which he sent to Lafayette.

After a time, Armistad was posted close to Cornwallis' camp where he was offered a position as a British spy, making him a “double agent.”   The revolutionaries then provided James with inaccurate information, which he brought back to Cornwallis.

Traveling between both sides, James learned that the British naval fleet planned to move 10,000 troops to Yorktown, Virginia.  They intended to make it a central post for their operation.

Providing this information to Lafayette and George Washington were able to seize the town and form a blockade that crippled the British military.  The results of this great victory subsequently brought about Cornwallis’ surrender on Oct. 19, 1781.

James Armistead’s actions were a huge contribution to America’s victory. Had he not provided the information to Lafayette – at the time he gave it to him – there may well have been a very different conclusion to the war.

With Lafayette’s recommendation, Armistead gained his freedom in 1787.  At that time he chose to add "Lafayette" to his name, to honor the general.

After receiving his freedom, he moved near New Kent, bought 40 acres of land, and began farming. He later married and raised a family.  He was granted a $40 annual pension by the Virginia legislature for his services during the American Revolution. He lived as a farmer in Virginia until his death in 1830.

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For Xpress Healthcare® business opportunity info, visit http://joinxpresshealthcare.com. 

For affordable discount plans to reduce your Health and Dental expenses AND reduce costs on Hearing, Vision, Prescriptions, Roadside Assistance, Lifelock™ and even more, visit: http://ibourl.net/XpressSavings (NOT insurance). 

I invite you to visit my Facebook Page at http://ibourl.net/XpressFacebook 

Boom!

I am part of the “Baby Boomer” generation.  My generation helped to destroy the once very common long-lasting marriage. We were the first generation where divorce became commonplace.  My own parents were married 63 years and my grandparents, 55. 

In earlier times when people married, they entered the relationship knowing that it would be permanent.  They had no more or fewer disagreements than people have today, but for most, escaping the marriage was never considered.  They didn’t throw things away… they fixed them!

Today, way too many people get married with, “If it doesn’t work out, we can always get a divorce” in the back of their minds.  They don’t consciously think that way of course, but it is a seed germinating, ready to bloom when challenges in their marriage arise.  I think fewer people with each generation are willing to make a lifetime commitment.

My husband and I will celebrate our 22^nd wedding anniversary on January 1, 2015. We were both married previously (I was widowed), neither of us for nearly as long.   We have disagreements.  Everyone does on occasion.  However, we never raise our voices in anger, never call one another names and never cuss at one another.  We always demonstrate respect for one another.

My sister brags that she and her husband have been married 35 years, but she has also told me that they scream and yell at one another and use filthy language when they “fight.”  Hmm.  Is this a “good” marriage because of its longevity?

My husband and I were recently discussing the poor marriage record of Baby Boomers, and we realized that although divorce is very common for those our age, we actually know several people who have been married for a very long time.

We have several couple-friends who have been married more than 30 years, the first marriage for two of those couples.  In fact, we were surprised to realize that most people we know have been married for 20+ years.  Since so many people divorce these days, how is it that we have so many friends in long-lasting marriages?  Do people in good marriages attract or seek out others in good marriages? 

I have found a similar attitude in network marketing.  Most of those in the industry are unwilling to commit to their business; while a small percentage is fully committed, no matter what or how long it takes.  I have developed a few close friendships with other network marketers.  Like the long-married couples I know, those close friendships only seem to be with those who have a similar passion for their business that I have for my own.   

Will the next generation and the next one after that commit to relationships and to their work, or will commitment become less and less common as time goes on?  Of course, I do not know, but I pray it is the former.

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For Xpress Healthcare® business opportunity info, visit http://joinxpresshealthcare.com. 

For affordable discount plans to reduce your Health and Dental expenses AND reduce costs on Hearing, Vision, Prescriptions, Roadside Assistance, Lifelock™ and even more, visit: http://ibourl.net/XpressSavings (NOT insurance). 

I invite you to visit my Facebook Page at http://ibourl.net/XpressFacebook 

"Thank You" Will Never Be Enough!

I found these wonderful quotes that honor all veteran, past and present.  In addition to the veterans themselves, I also would like to extend a huge “thank you” to the families of veterans who sacrificed so much by “holding down the fort” while their loved ones worked to defend us and maintain our freedom.  http://americanprofile.com/articles/20-memorable-veterans-day-quotes/

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 “I think there is one higher office than president and I would call that patriot.” —Gary Hart

“This nation will remain the land of the free only so long as it is the home of the brave.” —Elmer Davis

“On this Veterans Day, let us remember the service of our veterans, and let us renew our national promise to fulfill our sacred obligations to our veterans and their families who have sacrificed so much so that we can live free.”
—Dan Lipinski

“My heroes are those who risk their lives every day to protect our world and make it a better place—police, firefighters, and members of our armed forces.”
—Sidney Sheldon

“Our veterans accepted the responsibility to defend America and uphold our values when duty called.”
—Bill Shuster

“A hero is someone who has given his or her life to something bigger than oneself. “
—Joseph Campbell

“As we express our gratitude, we must never forget that the highest appreciation is not to utter words, but to live by them.” 
—John F. Kennedy

“The willingness of America’s veterans to sacrifice for our country has earned them our lasting gratitude.”
—Jeff Miller

https://www.marxists.org/archive/marx/works/1861/us-civil-war/index-lg.jpg

“I dream of giving birth to a child who will ask, ‘Mother, what was war?’”  —Eve Merriam

“Courage is almost a contradiction in terms.  It means a strong desire to live taking the form of readiness to die.” —G.K. Chesterton

“Courage is contagious. When a brave man takes a stand, the spines of others are often stiffened.” – Billy Graham

“In the beginning of a change, the patriot is a scarce man, and brave, and hated and scorned. When his cause succeeds, the timid join him, for then it costs nothing to be a patriot.” — Mark Twain

 “How important it is for us to recognize and celebrate our heroes and she-roes!” —Maya Angelou

“The hero is the man dedicated to the creation and/or defense of reality-conforming, life-promoting values.” —Andrew Bernstein

“Better than honor and glory, and History’s iron pen, Was the thought of duty done and the love of his fellow-men. “ —Richard Watson Gilder

“The battle, sir, is not to the strong alone; it is to the vigilant, the active, the brave.” —Patrick Henry

“Regard your soldiers as your children, and they will follow you into the deepest valleys. Look on them as your own beloved sons, and they will stand by you even unto death!” – Sun Tzu

“Without heroes, we are all plain people, and don’t know how far we can go.” – Bernard Malamud

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For Xpress Healthcare® business opportunity info, visit http://joinxpresshealthcare.com. 

For affordable discount plans to reduce your Health and Dental expenses AND reduce costs on Hearing, Vision, Prescriptions, Roadside Assistance, Lifelock™ and even more, visit: http://ibourl.net/XpressSavings (NOT insurance). 

I invite you to visit my Facebook Page at http://ibourl.net/XpressFacebook 

Ghost of Halloween’s Past

My memories of Halloween’s when I was young are warm and wonderful!  My mother sewed very well, so she made costumes for my sisters and me.  She was really creative, so I remember a few of my costumes clearly.  One big thing I remember, and carried on with my own children, was that we never wore masks.  We wore makeup, and my mother was good at that as well.

We lived in California, so it was often warm enough not to require jackets, allowing our costumes to show.

My older sister was two years older than me; I was the middle child; and my “little” sister is 3 ½ years younger still.  My mother often made our clothes and dressed us alike – not just for Halloween.  Adults thought we looked so cute; but looking back, with our age differences, I think it was a bit odd.

Dressing us all the same one year, I remember we wore “The Three Little Pigs” costumes.  They were really cute with little “screwed” pipe cleaners for our tails.

Another year, I was a “harem girl” wearing a pretty green outfit with sheer sleeves and legs.  I remember feeling beautiful in that costume.  I was a “cigarette girl” with the tray full of boxes of candy cigarettes.  It was a “grown-up” costume that I really enjoyed.  Some of you may remember cigarette girls that walked around “night clubs” saying, “Cigars, Cigarettes,” selling them to the patrons.  Of course, smoking was quite acceptable back then.

At the corner of the street where we lived, there was an empty dirt lot.  For several years carnivals were set up on the lot on Halloween night.  We loved that!

I am not very creative, and I do not sew, so my children did not have as many really great costumes that I had.  I remember one year, however, that I created a robot costume for my son, and he won first place at his school!  I covered a box with foil for the body; milk cartons covered with foil were the legs and arms; he wore a foil hat; and all the pieces were tied together with silver cord.  I put silver face paint on him to complete the look.

For a few years when my sons were young, we went to a roller rink (remember them?), and they had a costume parade, contests and other fun events.   Although kids still go “trick or treating,” some places hold Halloween events.  Most shopping malls have costume contests, and the kids “trick or treat” at all the stores where they hand out candy.  In some areas, children would not be safe going door to door, so it is nice that more Halloween activities are planned in public places today.

I’d love to see some of your Halloween stories, so feel free to post them below.  I wish you all a fun and safe holiday.

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For Xpress Healthcare® business opportunity info, visit http://joinxpresshealthcare.com. 

For affordable discount plans to reduce your Health and Dental expenses AND reduce costs on Hearing, Vision, Prescriptions, Roadside Assistance, Lifelock™ and even more, visit: http://ibourl.net/XpressSavings (NOT insurance). 

I invite you to visit my Facebook Page at http://ibourl.net/XpressFacebook 

Are You on Medicare?

Are You on Medicare?

Medicare open enrollment began on Oct. 15 and ends on Dec. 7.  Take time to look at your coverage to determine if you want to make any changes.  

 If you don't have FULL coverage, including dental, vision and hearing care, check out Xpress Healthcare's Premium and Premium Plus plans ($19.95 per month per family; $29,95 per month per family).  They can provide you with great discounts on these services.  Our dental plan provider is Aetna™ Dental Access; and our doctors-by-phone service is Teladoc™, the first and largest service of its kind.  Xpress discounts can also enable you to get insurance with a high deductible and lower cost and use Xpress as a supplement.  http://2YourHealth2.INFO 

In addition, Xpress Healthcare offers their Lifestyle Select plan ($19.95 per month per family).  This plan includes LifeLock® ID Theft Protection (as seen on TV commercials), Roadside Assistance, Legal Care (9 FREE services + discounts on others), PET CARE, and the CashBack Rewards online mall.  Learn more at:  http://julie.joinxpress.com/lifestyle-select.html 

I am on Medicare myself.  I also have the discount plans to which I have referred in this post.  I actually have Medicare complete, a “full” coverage HMO.  Even with my insurance, however, my husband and I saved over $1000 on our dental expenses in 2013.  I have also save money on those prescriptions that were not covered by my insurance or if my insurance co-pay was higher than my discount with Xpress Healthcare. 

Of course, anyone can benefit from our discount plans.  You need not be on Medicare.  Those with insurance can actually buy less expensive insurance with a higher deductible and use Xpress’ discount plans to supplement your insurance to help you save money. 

If you have questions about any of our plans, you can contact me through my website, or phone me.  I’d love to hear from you!