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In this episode, I go into the fun times of dealing with credit collectors. I talk about the Fair Debt Collection Act. And how to talk to collectors.

The Fair Debt Collection Practices Act (FDCPA), Pub. L. 95-109; 91 Stat. 874, codified as 15 U.S.C. § 1692 –1692p, approved on September 20, 1977 (and as subsequently amended) is a consumer protection amendment, establishing legal protection from abusive debt collection practices to the Consumer Credit Protection Act, as Title VIII of that Act. The statute's stated purposes are to eliminate abusive practices in the collection of consumer debts, to promote fair debt collection, and to provide consumers with an avenue for disputing and obtaining validation of debt information in order to ensure the information's accuracy. The Act creates guidelines under which debt collectors may conduct business, defines the rights of consumers involved with debt collectors, and prescribes penalties and remedies for violations of the Act. It is sometimes used in conjunction with the Fair Credit Reporting Act.

Debt Collectors can be some of the most disrespectful people you will ever deal with. But it doesn't have to be that way. Remember you are in control. You have the rite to be talked to like a civilized adult. There are things you need to do as the person who owes the bell. You can work out payments or pay the debt off (if you have the money). I also talk a little about credit cards and how you really need to be careful with them. No, I definitely recommend you never use them but you still have to know what to look out for. So I shape you get some great information from this week's show. Remember there is a lot more to this but it is some good information to start with.

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Book of the week By Dave Ramsey

In this episode, we have a very special guest, Jennifer Shortridge.

Jennifer is an entrepreneur, podcast host, author of several books, life coach, and professional reseller. Jennifer joins us to talk about reselling through the website called Poshmark.

Poshmark is a social commerce marketplace where users in the US, Canada, Australia, and India can buy and sell new and secondhand fashion, home goods, and electronics for women, men, kids, pets, and more. The platform has over 80 million users, with over 200M available listings. As of December 31, 2021, the marketplace has a GMV of $1.8 billion. The company is headquartered in Redwood City, California, with offices in Vancouver, Canada, Melbourne, Australia, and Chennai, India.

Jennifer discusses the steps it takes to make money online through retail sites. Step by step, Jennifer will break down the ins and outs of making large amounts of money while selling things out of your closet.

It is true that you can make significant amounts of money by selling things you already have in your house. As we say in the show we recommend that you start by selling things out of your house, and then moving on to sourcing items from other locations. It is a good practice to study the market and see what is selling before you actually buy the items. Or you can look it up on the Poshmark website to see how the item is selling.

If you are interested in a life coaching session with Joe Shortridge please contact him at [email protected].

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Depression among adults in the United States tripled in the early 2020 months of the global coronavirus pandemic—jumping from 8.5 percent before the pandemic to a staggering 27.8 percent. This is affecting all of us and it's time to Kick Depression in the ass.

In this episode, I help with tips and some foods that help reduce depression.

The world, the people your around, your debt, mental or physical abuse, Illness or pain

A lot of people don't even know there in depression.

Depression will also cause you to slip into debt, gain weight, lose weight, lose friends, and things like your house or apartment become unlivable.

Most common signs of depression

Persistent depressed (low) mood. It's natural to feel down from time to time. ...

Loss of interest in things you once enjoyed. Sometimes we lose interest in things we used to love. ...

Feelings of worthlessness. ...

Poor concentration. ...

persistent sad, anxious, or "empty" mood

feelings of hopelessness, pessimism

feelings of guilt, worthlessness, helplessness

loss of interest or pleasure in hobbies and activities that were once enjoyed, including sex

decreased energy, fatigue, being "slowed down"

difficulty concentrating, remembering, making decisions

thoughts of death or suicide; suicide attempts

restlessness, irritability

1. Get in a routine.

Depression can strip away the structure from your life. One day melts into the next. Setting a gentle daily schedule can help you get back on track.

1. Set goals.
2. Exercise

How much exercise do you need? You don't need to run marathons to get a benefit. Just walking a few times a week can help.

1. Eat healthy.
2. Get enough sleep.
3. Take on responsibilities.

If you're not up to full-time school or work, that's fine. Think about part-time. If that seems like too much, consider volunteer work.

1. Challenge negative thoughts.

The next time you're feeling terrible about yourself, use logic as a natural depression treatment. You might feel like no one likes you, but is there real evidence for that? You might feel like the most worthless person on the planet, but is that really likely? It takes practice, but in time you can beat back those negative thoughts before they get out of control.

1. Check with your doctor before using supplements.
2. Do something new.

"When we challenge ourselves to do something different, there are chemical changes in the brain," Cook says. "Trying something new alters the levels of [the brain chemical] dopamine, which is associated with pleasure, enjoyment, and learning."

1. Try to have fun.

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In this episode, I dring you a book that will change your life. The Seven-Day Mental Diet is about throwing out all negativity and thinking only positive thoughts because, as he says, thoughts are things, or they become things. And if you believe that, it follows that everything in your life today is based on past thoughts you had at some point.

People are addicted to being in a bad mental state. You are addicted to the drama. I go to work and automatically feel pissed and am looking for things to get me mad.

Your conditioned to feel and think this way.

It time to focus on what's rite in your world instead of what's wrong.

This is something to commit to.

If you do something for 7 days start you will rewire your brain to match those thoughts and feelings.

It challenges you to not have any negative thoughts for 7 days. And if you do, stop and mentally erase it out of your thoughts and replace it with a positive thought.

There is always a positive thought

You eminently focus on the positive.

That's the thing about this book/challenge you must have 7 straight days of positive thinking. If you have and hold onto a negative thought, you must start back at day one. But as you know with life, something negative will happen. But as you do this and practice you will become the person you want to be.

Focusing on Solutions instead of problems. What's great about the situation instead of what's not great about it. If you don't do anything, do this. It will change your life.

Next is you need to stop judging other people. And yourself. You find that the more you judge someone the worse you become. You will start see the good in people and start feeling compassion to them and yourself. You will find that the faults you put on others most likely are the faults that you have. Its called masking. You see the things in others that you are blocking from others seeing in you.

You start to look at others and start to wonder what's really making that person act that way. And are they really trying to upset you. How do you know that the ego someone puts out is fear of others because of their past?

No mater where you look in your mind you will find the things that make you negative. But also, if you look for the positive you will find it. The more you look the less space there will be in your mind for the negativity.

You can do the 7-day mental diet or anything else if you commit to change.

Morning rituals to change your life. Coming soon.

In this episode, I talk about how you can go to college for free. Yes free, or super cheap. ou have the opportunity to learn anything you want.

Free education is available at these locations MOOC, YouTube, the library, Ask at work for additional training, audiobooks, podcasts, websites conferences, and conventions ask for a mentor and community centers.

A lot if not all schools have some for of free classes.

Get to know your host. Joe Shortridge is a Life Coach and a Raamsy Solutions Finatchel Coch. Joe can help you find a path in your life that will help you move forward to your future and or get out of debt.

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In this episode, I go over what a Life/Fanatical coaching session is really like. I go over some questions you might be asked and why I ask them. The world is in a mess and a lot of people really need someone to talk to. They feel like they're trapped with no way out. Life Coaching helps them. It will help you also. I focus on your future and helping you get out of the mental state you're in now. You may be depressed and feel you're at the end of your rope. This is not even close to the truth. You can change. There are also people that feel they need help getting out of debt. It's the same principle. You just need to start.

What Is a Life Coach?

A life coach is a type of wellness professional who helps people make progress in their lives in order to attain greater fulfillment. Life coaches to aid their clients in improving their relationships, careers, and day-to-day lives.

Life coaches can help you clarify your goals, identify the obstacles holding you back, and then come up with strategies for overcoming each obstacle. In creating these strategies, life coaches target your unique skills and gifts. By helping you to make the most of your strengths, life coaches provide the support you need to achieve long-lasting change.

Who Should Consider Working With a Life Coach?

Many people seek out life coaches for guidance in navigating a significant life change, such as taking on a new career. In plenty of cases, however, people turn to life coaches simply for help in building a happier, more meaningful life.

Below are some questions you can ask yourself right now. Print them out and answer them. Remember there are no wrong answers.

Are you ready for a change?

What are you willing to change to accomplish your goals?

Are you committed or just interested?

How much could I have?

What motivates me?

What Do You Want To Accomplish In The Next Year?

What Are You Most Of Proud Of?

The PDF has a few more.

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In this episode I cover one of the most important and powerful tools you can use to improve your life. millionaires worldwide and successful people use anticipation to their advantage on a daily basis.

As we go through this journey together I encourage you to stop and think of what could happen or what is going to happen at every step you take. Positive or negative so that you can avoid the negative. In this episode I go over steps through help you anticipate more in your life.

One of the most powerful and commonly used tools in the toolbox of healthy behavior is anticipation. Whether it's an upcoming event, a trip, time with the family, an important meeting or just some time alone, the activities you anticipate can be a major motivator for sustaining your health and well-being.

The National Center for Biotechnology Information says anticipating the future confers great benefits to human well-being and mental health. According to the Harvard Medical School, when you're fully engaged in activities, you will enjoy them more and be less preoccupied by concerns about the past and the future. And life coach Talane Miedaner advises people to have something to look forward to every day, adding that simple things are often the most rewarding, bringing the greatest joy and happiness.

Preparing yourself for what's next keeps you from encountering unexpected events. You're planning out your day to day life. You can use these steps that I talk about, write them down, and use them sort of like A to do list.

Below are some links that will help you on your journey to your year of profit.

Your host Joe Shortridge is a certified life and financial coach that can help you change your life.

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In this episode, I talk about Affirmations. I use them every day and I feel that they will help you also. Affirmations are a strong and powerful tool to change your life attitude and propel you to the next level of life.

The definition from Wikipedia is, (Affirmations in New Thought and New Age terminology refer primarily to the practice of positive thinking and self-empowerment—fostering a belief that "a positive mental attitude supported by affirmations will achieve success in anything." More specifically, an affirmation is a carefully formatted statement that should be repeated to oneself and written down frequently. For affirmations to be effective, it is said that they need to be present tense, positive, personal, and specific.)

Try it I know you will change your life.

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Below are some Affirmations you can use.

Abundance and Prosperity

Affirmations:

Today, I enter into the consciousness of abundance and plenty.

I see prosperity in all people, places and things.

My needs are met moment to moment.

I always have plenty to share, to spare and a Divine surplus.

Unlimited channels of abundance are open to me right now.

I accept the natural generosity of the Universe.

As I abundantly give, I abundantly receive. This is DIVINE LAW.

All my needs are met.

My finances are constantly improving and I am wealthy in many ways.

My life is full of limitless possibilities for good.

There is a power for good in the universe greater than I am and I can use it!

I receive money abundantly and use money generously.

I am the embodiment of plenty.

I have an infinite capacity to receive and an infinite capacity to express.

This is my life, and I choose to enjoy and to prosper in it.

I deserve and accept the best.

I am a money magnet.

Gratitude

Affirmations:

I give thanks for a clear and decisive mind that thinks healthy and constructive thoughts.

My thankful heart attracts loving people who are thoughtful, gentle and kind.

The more good I am grateful for the more good I experience.

I appreciate my life.

I appreciate my self-healing power.

I am grateful for my intuitive ability to attract healthy, loving and harmonious relationships

Wherever I go and whatever I do, I am always met with love and appreciation.

I am grateful for an abundance of love, health, wealth and happiness.

I am grateful for the opportunities that turn into limitless possibilities for me.

Threw out this time of shutdowns and shut in's we have got ourselves into a funk we can't get out of. If you are overwhelmed and cant get motivated here is some help. In this episode, I will give you some ideas to help you get out of this funk. Exercise, walking, and stretching will help you get moving. Yes, we are all really depressed and don't feel like moving. Yes all of us. So let's get together and help each other to get out of this. So where to start. Focus on one thing and do that one thing. then move on to the next. You will so surprised at how motivating it is to accomplish things.

If you need someone to talk to I can help you.

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Click here of a great self help book.

In this episode I talk about the Roth 401K and how using it will make you retire very wealthy. This is so important to use because it is an after-tax contribution. When you're reviewing your employer-sponsored retirement options, you might be confused by the plethora of different accounts offered by your company: There's probably a 401(k), a 403(b), or a Roth 401(k).

If you've heard of a 401(k) and a 403(b), but not a Roth 401(k), you're not alone. According to Fidelity, 75% of companies that Fidelity provides retirement services now offer a Roth 401(k) option. However, only 13.6% of those offered a Roth 401(k) actually use one. A Roth 401(k) is an employer-sponsored after-tax retirement account that has features of both a Roth IRA and a 401(k). Like a Roth IRA, contributions to a Roth 401(k) are made with income that's already been taxed, allowing investments to grow and be withdrawn in retirement without being taxed. While traditional 401(k)s reduce your taxable income because contributions are taken directly from your paycheck, Roth 401(k) contributions will not reduce your taxable income.

I have a Roth 401K that I have been contributing to for many years and it is growing. Any extra money you come across put it in the account. It's hard now but will pay off many times over.

On this podcast I cover all aspects of your growth Body Mind and wallet. If you have any topics you would like me to cover feel free to let me know.

I also have several Journals for sale to help you document your journey threw life. Click here to go to one of them.

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