Wednesday, July 11, 2018

The "Raising the Credit Score" Goal

A credit score is a number the bank puts next to your name to determine the level of risk involved when lending you money. The better the score, the greater your chances of getting bigger loans.

Knowing this, I’m baffled when I hear people say “I got this loan because it’ll help with my credit score”. Really? You surrendered future time (this is what a debt is) for the sole purpose to raise a number that will allow you to, potentially, surrender more of your time to the bank?

"Money in the bank gives you a very safe foundation of courage when bargaining for the sale of your services. Without money, you must take what you are offered, and be glad to get it."
-Napoleon Hill

Nobody should have “raising the credit score” as a goal. How about having a goal that would allow you to be in a financial position for you not to require a loan for everything?
Time is more valuable than money. Exercise caution for everything that requires you to surrender future time for something now. You can always make more money but you can’t make more time.

Wednesday, July 4, 2018

Need More Confidence?

The majority of books I read on the subject of confidence doesn't address the root cause of the issue. The band-aid, "fake it until you make it", approach is not a viable long term solution.

When I speak to somebody that lacks confidence, I always feel like he's hiding something but I also know that he may just be trying to be what he thinks I want him to be. It's uncomfortable for him and it makes the interaction uncomfortable for me.

Lack of confidence comes from attempting to fit into a mold created by someone else. Are you passionate about what you do? Do you give it your all to a worthwhile goal?
Have you ever seen someone that works hard towards his goal lacking confidence? If you are true to yourself, you will be confident.

Wednesday, June 27, 2018

Delete Your Google Activity/History

Facebook was scrutinized recently for the type of data it kept from every individual using their services. Did you know that Google keeps even more data than Facebook?
Google kept some of my history from 10 years back. Does Google really need to keep that information for that long?

If you wish to delete your Google Activity/History, you can do so by doing the following:
  1. Go to
  2. Log in with your Gmail account.
  3. Select the "Delete activity by" option from the left.
  4. Select "All time" in the "Delete by date" Dropdown.
  5. Click on the "DELETE" link/button.
According to Google, this will erase all activity of your gmail account. Does it keep other information on your activity outside of this? Probably - only Google knows.
Everyone should know about this. Spread the word!

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