My Daily Smile

Life is short - begin every day with a smile!

How to get a copy of your credit report for free

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It’s always been a good idea to review your credit report for errors and omissions every now and then, but with identity theft happening so often these days it’s absolutely critical that you keep an even closer check on it than ever.

Credit reporting agencies used to charge a fee every time someone asked for a copy of their own credit report, but now the federal government requires them to provide every American with one free copy per year. 

Be aware that there are several private companies that offer “free” credit reports, but those companies all require something in exchange. Most experts recommend steering clear of those websites.

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The ever-accelerating passage of time

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“How did it get so late so soon?”
     -–Dr. Seuss

Do you remember how long it took your birthdays to come around each year when you were a child? If your childhood was like mine it probably seemed like the next birthday would never arrive.

But something likely changed as you got older. Instead of your birthdays taking their sweet time in making their arrival, they began coming in bunches. For me, it seems like I now have about three birthdays per year!  [Read more…]

Time is both precious and fleeting. Use it wisely.

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“Time is what we want most and what we use worst.“
     -–William Penn

Chances are you’ve heard the oft-repeated adage “Youth is wasted on the young“.

When you think about it, there’s a lot of truth in that.

By the time most of us have life figured out, we’ve already used most of it up.

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It’s never too late to start making up for lost time

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“The best time to plant a tree was 20 years ago. The second best time is now.“
       –Ancient Chinese Proverb

Do you ever catch yourself saying something like the following?

“I wish I had done [whatever] back when I was younger. I have really missed out.“

Trust me, we all have regrets over opportunities missed, or simply passed up in order to take a different path.

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Why is the U.S. Capitol located on the east coast?

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Living (and loving) Life

Have you ever wondered why the U.S. capitol is located on the east coast instead of somewhere near the middle of the country?

Well, there’s actually a very good reason, and you can probably guess what it is…

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