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How to Avoid Letting Someone Steal Your Identity

I just got yet another pre-approved credit card letter in the mail, which is super annoying because each time one is mailed out it puts me at risk for identity theft.

What happens is identity theives steal these letters. (This is super common and I don’t know why it’s still legal for credit companies like Equifax, Transunion, etc. to sell our credit information. Oh wait. Greed. Yeah, that’s it.)

The identity thieves then reply and accept the offer (with a change of address) and then rack up tons of debt on cards in your name, tied to your credit union file. It takes an average of a year to get your credit fixed, if ever. Yeah, a year!

Here’s how you can avoid it: Read more

My 10 Best Bits of Life Advice


If I could give my younger self some advice, I’d tell her a couple of things:

1. Stay open. Don’t be closed-minded. If someone has a different opinion than you, genuinely listen to it. They might be ill-informed, or they might have different values than yours, or  they might actually modify your opinion on a topic. Either way, part of growing is staying open and keeping your ideas somewhat fluid. That said, if someone says something based on contempt, feel free to tell them to shut the hell up.

2. Don’t take people’s opinions (of issues, politics, other people, etc.) as fact. Ask pointed questions – dig! – to find out what a person really believes. Often, you’ll find that people are just repeating things they’ve heard without really understanding it. For example, if they say they’re “fiscally conservative and socially liberal” ask “why fiscally conservative?” – what specific things do they think the government should cut back on? What social initiatives do you think the government should fund, and why?

Which brings me to: Read more

How to Have a Happy Marriage: 4 Quick Tips

Yes, I’m married. No, we won’t be getting divorced (ever).

I think it’s very important to really make an effort in marriage, and not take things for granted. Here are a few quick tips that I think are extremely important:

Lessons Learned

Hilary Rowland

Hilary Rowland with possibly the best advice-giver on the planet.

  • In times of great and heady success, you are most vulnerable to failure… Stay humble and work even harder.
  • You don’t accomplish great things without audacity… You always have a choice between thinking big and thinking small… Why bother thinking small?
  • Despair and despondency are your greatest enemies and must be fought with dogged determination… Don’t get down on yourself. Read more
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