Smart Credit for Smart People

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Don’t Be Fooled

Plastic is dumb. Your credit doesn’t have to be. How many credit cards do you have? Do you really read through the policy notices and small print disclaimers attached to the pages of your credit applications? Are you aware of the rules that govern how often and when the credit card company can change your annual percentage rate? Did you know that bad credit card debt can hinder job prospects, rental and loan applications, and hurt your chances at getting life and auto insurance?

Get smart about your credit history and score. Financial Education Service can help you navigate the harsh terrain that is your credit history. The company offers one service in particular, included in your basic enrollment, called Smart Credit.

Why SmartCredit?
  • View your Smart Credit Report and all your Scores.
  • Get alerts when there are critical changes to your credit and money with Live ID Alerts.
  • See and manage your financial accounts and transactions, including a credit summary listing your outstanding debt.
  • Correct credit reporting inaccuracies or settle debt with our Action buttons.

All of these services are provided as part of your FES Protection Plan. Isn’t it time you got smart about your credit? Contact your local FES agent to learn more.


Investing in The Future Means Investing Now


Time is Money

When I was young…when I was younger, I use to say that I would wait until I was old and made allot of money to start investing. I thought investing was something rich older people did because they were bored and just needed something to do with their money. It didn’t dawn on me that older rich people got to be rich because they started early in life with saving and investing their money. Rich older people understood the power of compounding interest.

Compound interest is the addition of interest to the principal sum of a loan or deposit, or in other words, interest on interest. It is the result of reinvesting interest, rather than paying it out, so that interest in the next period is then earned on the principal sum plus previously-accumulated interest. Try this calculator and test the idea for yourself. The more you compound interest over a longer period of time, the greater you multiple wealth! But this strategy requires a disciplined mindset and most of us haven’t been trained to think this way. Instant gratification is the order of the day for many of us.

Financial education is a must if you want to learn how to change the way you think about money. We have to unlearn the bad practices we may have grew up with and replace them with solid principles of fiscal responsibility. Financial Education Service can help you re-calibrate your thinking and plot a new course towards financial freedom and prosperity. Contact a FES agent to learn more about the Financial Protection Plan offered by FES.

Financial Education Service is here to serve you. Don’t put off today for a future that isn’t promised to any of us. Invest in your future today. Join the team and build a road of progress and promise with the Financial Education Service. We guarantee your satisfaction.

What’s Really Holding You Back?

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The Chains Are Real

Debt is a modern day slave master. Debt makes bondservants of us all. Debt hinders our economic freedom and casts a shadow on our future. Debt’s reach is far and wide and deep, touching generations with scars of anguish and loathing. Debt is also a self-fulfilling prophesy. The more you seek to obtain things, the more you close your eyes to wisdom, the more you settle for the lies of materialism that equate the acquisition of “things” with happiness and purpose. So people borrow and borrow and borrow some more, and bank on the future to bail them out of the bad decisions they’ve made.

The problem is the future is not promised and tomorrow rarely brings gifts called “do-overs”. Debt crushes and keeps crushing until there is nothing but dust to mark the life you hoped for. Debt kills dreams. So why does debt prevail in so many of our lives? Why do we tolerate this insensitive master that ignores our pains and tears? Because we bought the bridge of lies that demands we feed it our obedience and servitude with every swipe of the plastic in our wallets and purses. This mindset is a prison. Financial Education Service is the key to new freedom.

Get a new outlook on life and regain control of your life. A Financial Education Service agent can help you break out of the prison of debt. FES has several products that can help you re-prioritize your debt, your spending, and get you started on a financial healing path. The FES Protection Plan is just one of many services offered by the Financial Education Service. You don’t have to live in bondage anymore. Change your mindset and dream again. Contact a local FES agent to learn more.