and back on weekend focus with me as my special guest like coach capy joe polycalar today capy joe i am terrific how about you all and i'm doing great we always have a good time on air off air we are talking a lot of air and uh... some things we can come up with a pretty entertaining that's why we always have a good time on air because we have a lot of that with with the listeners we do we do we really care about time we make the best of it and we do enjoy ourselves which if i would like to enjoy what you do right absolutely and we definitely enjoy and i was called this that i want you to market that your material i have out there i may be a bit on uh... dvd cd whatever and and gone to go with catholic jose that's i'm after you to do that you are and please keep pushing me on that because i think that is on my list and i need that push and we only that but i think that's good for people to hear you need that support you need that push you need people you can trust the unless you need to give me the push because i always thought with everything i'm not sure what i could do to show you the life coach and i got a hodgepodge of stuff to cut i like a potpourri of uh... fun stuff today hopefully i like that you are a hodgepodge of hodgepodge of stuff that's what i was just kind of boring for me that i was a lot of things to catch up on and let you know and paul's gonna be in the hot seats on and i didn't do very much homework so i feeling paul's gonna get great at the early here but i'll try i'll stop i don't know if i want to give you a letter grade that sounds that that's how about let's just call it an f now and and uh...
see if i can uh... rebound some from that we'll start off in f and see if i can work my way up at least to a c minus i like it well i think we should just start off with a c how about that that's perfect i know you've been thinking about these things in life it's busy and i don't want us to be hard on ourselves but we do need to set goals and keep those goals and work towards them and you know what i'm thinking about hodgepodge and potpourri i kind of get this vision of everything working together absolutely me too okay that kind of what i was thinking about yeah so let's get you in a hot seat okay look at some little notes that i had made over the last few months and i pulled out a couple things that bar paul was supposed to be working on so i'm gonna turn up the heat on you and we're gonna follow up next time as well okay let me ask you okay identity theft is not going away we talk about it all the time right have you done the identity theft quiz yet i have not you have not so that is a no see i told you that's okay that's okay but do you know where to find it on your website okay very good polygon correct yes you you got it and all you do is scroll down to identity theft free info and link and there you will find the quiz identity theft i q test free take the quiz see what your risk is and we have to be vigilant we can't tell me prevent it but we can minimize our risk that is very real it's not going away i if it helps i did call a number on something i got in a normal workplace i did opt out great to get that i know we talked about that that was one of my goals so i got one one check for the day great correct you know what and that is one of all that in the mail and and those offers and it's just it's just a bunch of junk that you're exactly right about that and we should look for every opportunity to opt out you're exactly right and i don't really want to put you in that super super hot i go for it do you remember the toll-free number of opt out i don't and i knew i knew that's what you're going to ask me i thought i'll go for anyways and tell her i i you know it's i do know i was going to ask you and that's a really tough one it is i bet you have that number right there don't you i do and i have a number i've i've repeated it hundreds of times and it's also on my website is it one hundred off doubt it's very very close is eight eight eight five opt out which is eight eight eight five six seven eight eight kind of have a ring to it if you keep saying it eight eight five six seven eight eight six eight eight yes it does because there's a song similar to that i think is there has the numbers in it and we can make a new one with that right yeah we'll make a new song we'll put that on our to-do so but i do know to do eight plus for opting out and do that continually look for those opportunities and how many times do you remember i i did and i should be up how often do what we need to do that because i know that that doesn't last forever does it well it depends if you want to opt out permanently that's an excellent question you can go to the website that i have listed which is optout pre-screen dot com and you can opt out permanently the phone number will if you do the opt out you can opt out for five years okay perfect i knew that a very good point and those are listed on there so maybe someone wants to put that down on their to-do list but we're going to talk about spring goals and that's something you know that you can do easily absolutely so five years or permanently great question so you didn't do the quiz but you did the opt out i'll take it i will take any progress when you know the progress that's you know that's moving out on the right yes that is little things like the big things we talked about that too it all adds up it all works together now how about credit karma did you happen to sign up for that to be checking your credit scores i did not i i do check my credit scores i don't use credit karma i should one of my cards that i have they have this it's part of their services being a member and it doesn't you know cost you nothing and you can you just pull it right up and it'll give you even you can do like projections if you if you pay off this card and it'll like do a simulation of what it would do to your credit score so i mess with that um a lot and it'll i think it updates weekly or every couple weeks but i and it doesn't hurt to do that but i should do credit karma because i hear a lot of great things about that but capital one offers something and that's what i i did great so you're doing something which always do something at the post of nothing so i give you an a plus for that for sure and i'm not by any means endorsing credit karma it's good it's free it will give you two credit scores based on two credit reports and it just gives you another another number and the number should all be somewhat in line or close to each other and there are different models but something is always good start a chart if you want to kick it up start at your own chart and i think on those websites you can even you know look at the path and they'll chart it for you is that right it is that's and i like that they kind of do all the leg work for you and kind of giving overview and you can it just it helps when you i think when we think about things individually it's overwhelming but when you have it there in front of you and you can uh... you know really no pressure it's easy and it makes it all so much more and we like to simplify we do we don't have to complicate i'm glad you said that we complicate things and i'm wondering if we complicate things at an excuse not to do well i know i do that way too easily so you're not going to get an argument here okay so we're going to keep it simple so we can do it so get some type of credit score and you're right credit card companies many of them do offer them for free take a look at credit karma and if you want to do a little spreadsheet of your own i have some clients that will do like a just a simple spreadsheet in excel and all just every month let's down their sport so they can and they have the manual insert them in there and it forces them to really look at them again we're talking with life coach catty joe pollock today on weekend focus or website catty joe pollock dot com and uh... kind of a little bit of a mixture of everything here uh...
just kind of i guess the brush up on on some things and do some spring cleaning as we're calling it yeah i heard part springing yes yeah because i'll tell you what happens to me i talk about something and then there's no follow up we talk about it at all i'm going to wear it to go and i'm good for that too that's why we have you on all i think oh it's sizzlin let me tell you a good sport you are i only have one more thing for the on the hot seat you mean the no the albahot seat right i'm gonna let you out of the hot seat did you get your credit reports you know i did not um and i need to do that because you can do that what is it once every six months or once a year once a year once a year you can get all three for three at annual credit report dot com annual credit report dot com or you can call eight seven seven three two two eight two eight that one website and at one phone number just listen to the prompt and you can get all three immediately for free once a year experience at what facts and trans union you don't have to do all three at the same time if that's overwhelming but at least get one i mean and that kind of gives you uh that also let you know too if anyone that can also detect identity theft too can't you go see how it all works together all things it all works together it's part of our whole total life picture yes but that's on my website as well if you weren't able listeners weren't able to drop that down it's all on the resource and links page of my website so they can just scroll down and find that because there are a lot of similar sites that that was a tough word similar sites and you don't want to type in the wrong thing on your internet browser and get redirected with them you have to be very careful that because you should never really isn't a lot of those you don't have to you should have to enter a credit card right no okay sometimes that's a scam people fall in there like oh it just cost me ten bucks and i got this and i don't think what did you put just put your credit card number into it's very easy to do i would never say that somebody's terrible because it can happen it happens to all of us it can for not vigilant vigilant exactly and somebody did message me they said that they went to get their free credit reports and they were something about they were wanting to charge them a dollar and i said wrong website go back and look again immediately so that the red flag um i'm glad that you brought that up so you're going to work on it at least getting one could we say paul yes absolutely okay okay one okay i'll take it and it's a work in progress now a couple good things i want to share and i think this goes back to a lot of things we talked about do you remember how i always say ask don't be afraid to ask call a credit card company ask them to reduce your interest rate ask them to wave your feet and i never mentioned things that i would not do myself and i was reading an article and i was so excited i could not wait to share this this was in the post of that the beginning of april and it said listen to these statistics i don't know if you saw this article but it said nearly 90 percent of consumers who asked their card ensure issue where i'm sorry to reverse a late fee were successful 90 percent were successful to reverse a late fee there's a pocket why not absolutely doesn't hurt you're not going to be worse off that's right and you know what i say hang up and call back if somebody else or asked for a supervisor i don't let it go and then even further along 70 percent of people who asked to get their interest rate reduced were successful really yeah that's huge yes it is that is so it takes the ask don't be timid i know we we don't like to have to ask and we feel funny about it don't get your money you earned it don't waste it we don't like to reach out i had to go there i know reach out we're definitely i'll say ask because you know i'm not a big big reach out and if anybody's missed that ongoing joke and and kathie joe's probably ready to reach reach out and touch them on me through the phone here because the reach out thing it's one of a pet peeve that we talked about one time um when someone tells you to reach out to them and in today's day and age so many forms of communication how do you mean email facts uh you want to call me text me so that's what that's one of your pet peeves and i kind of i got it too and i i didn't bothers me now and i hear people say that a lot well how exactly do you mean you're going to reach out so that you know what to expect it's coming in personal so you want to reach out to me or i'll reach out to you well how should i you know expect that or would you like me to suggest what the best method is to reach me something um and on my website i you can reach out to me in many ways exactly are they going to cop you're in i mean how do we know how are they going to reach out right i would click contact me would be the best way to reach out to me and there's my phone number my email address any method works and it's very specific and we do get a lot of input which um it was really wonderful so we we want to hear hear feedback and we do welcome that for sure we sure do and i always appreciate i and Kathy just speaking of input i know uh Gary and Jim and our buddy Nancy i get a lot of people throughout the week that call for different things and and then they'll mention a topic and they'll mention you and they listen to the show and i just wanted to take a second out of your time to to thank them for that and i knew you would appreciate that as well because i couldn't do it without the listener so i i i think feedback yes we do welcome the feedback and wonderful we have some really faithful listeners and i i've had people say they like my interview style so i in my interview i don't really have an interview style my style is i don't really script things i believe it's it's like a bunch of friends sitting around the table talking whether sometimes my two cents people find it funny or not that's this is how i would be at home or out in public you know if you were talking to me as you are too so that's what i like we're real we keep it real yeah we do keep it real and i felt at the moment many years ago we first talked it was real it was so comfortable you have an outstanding presence when you interview people it does feel sincere you're very sincere not fake and i think the listeners really feel that too well i appreciate that and i always say i can't do it alone so it's a work team so i appreciate you too for well okay well it's really a tripod when you think about it it's you it's whoever you're interviewing and your listeners so it's the three working together see it all works together it does it does coming back to us just like we're talking about it you shout out for someone i don't want to forget absolutely i'm nancy redford and her husband just celebrated a big milestone yes yes 50 years happy happy and event-versary nancy absolutely and she was so gracious she invited us to their guy i had other things going on and i know you've been busy and we were unable to make it she invited both of us and how sweet of her to do that may not have been able to have been there in person but definitely in spirit and i was thinking about them and uh you know here's to 50 more i mean just oh how wonderful she is a sweetheart yes faithful listener and always sharing feedback yes lovely lovely ladies so huge congratulations a good cook and a baker too because she's brought some goodies here to the station for me before so i i have to spoil to you she does she loves you she loves you well i do i so if i were closer i'd be bringing a goodies in too i look like i need to be but uh yeah in another cookie paul uh yeah never cookie one for me paul absolutely absolutely there's some chocolate chip cookies but uh yummy nummy i don't even know what to mention i reposted this on social media i don't want people to let her guard down the income tax refunds roll in or any kind of refund hey it isn't a windfall think about what you're going to do with that money you earned it how can you put it to the best possible use but just kind of keeping your awareness up there and you know not getting complacent there's one of your words yeah yeah and give your website again catney jones that sure it's Kathy j YES poly.com k-a-t-h-y-j-o-l-l-l-l-a-k-k dot com and everything we're talking about is on my website articles phone numbers resources they are all on their just for clicking to click and go to it you'll find everything that we're talking about a lot of clicking print their in a lot of free things and i think i know i don't have to talk to cathe johar paul not that that would be a bad thing but no you you you go there nobody's going to be intrusive on if you want to those ways they can reach you and go more and that that i guarantee that you would be one of the best uh... decisions they ever made and you know people can all my emails paul morgan i heart media dot com so if anybody for sharing that to me that's fine too good very very good you know and we're all responsible for our life more responsible for what's happening in our life so what com that kind of leads into i think all of these things i could put on my spring cleaning list and i've posted something new brand new on my website that is there for everyone it is an actual worksheet really pretty cool and i did send it to you paul i do you possibly remember that you know what i'd i remember it and i forgot that that was my fourth hot seat question that was i think i really got fifty fifty today uh... yeah i think we're doing okay i'm still gonna take it we're making good progress what can i ask you of all your tasks can you resend it to me i was quite happy and of course i'd be happy to and for the listeners right on my website that's got the resources and link page and you can scroll down and right there it is life balance and stress spring clean your life so if we're talking about the thing you know how we said we talk about things and tomorrow next week next month we forget them though we need to write them down and i was hoping that the goal setting works you would be helpful to everyone that some goals keep it simple and they even start a new habit absolutely and it's uh... never too early too late to do any of that really that's right that's right bring it kind of a time to refresh the beginning of the year so people like to do it maybe at their birthday at their new year anytime you can pull out this goal setting worksheets three things to be the magical number coming up with three new daily habits and uh...
again we're talking with life coach catholic today and i know cathijo you're on a tight schedule today we have a few more minutes and i'll ask you do you need to immediately go or can you hang with me for a few more minutes i know we run over time a little bit with you and i appreciate you for taking a robbing a few minutes out of your schedule here to say with me here but i just wanted to make sure before i kept you on the going here all you are so sweet and so respectful i appreciate that i am fine but thank you for asking for enough you are so sweet but i just want to make sure so i i i i i i thank you thank you it's so i'm going to email you bring cleaning rights both heading sheet and i can be on your to do it for next time we're going to really try to take this forward and but people are listening you know maybe about finance maybe about the things we talked about maybe about opting out saving money for vacation paying off a bill getting your credit reports thinking of big three and even if you're having trouble thinking of things for example mine i want to be more physically active um i might think about getting an adjustable deck because i sit a lot behind the computer but i want to do more outside with my yard i want to work on my gratitude journal i'm just throwing out some ideas but i want you to think come September when you know it's fall what are you going to regret not doing or not having done it's a good good uh good question good thought provoking question and that's what i really want you to think about i want you to think about that and drive down nobody's going to collect your goal setting sheet nobody's going to be checking or looking over your shoulder this is about you feeling better about you and taking charge of your life so that you feel good about yourself it's to me there's no uh right or wrong answers because everybody it's going to be different for everybody it is and my goals aren't your goals to talk about them we throw out a lot but we're all different people we all have different situations and that needs to be respected and honored and know yourself know what matters to you so if i were going to ask you for would you care to share what you think your definitive three goals would be three goals uh well i can tell you the financial things an ongoing thing but it is i think financial i mean i'm not trying to say well i'm taking easy way out it's just something that's one of those if you don't focus on it it gets out it can get out of hand real fast so by september i'm hoping to you know to even have a better wrangle on things with that as we get closer i can you know continue to give updates and fill people in on that obviously my credit score um i want to watch it and i think i'm going to have to think a little more on that one i mean there's some other goals and things in life that i want to do but i'm going to really think about that one the first two are easy the third one's a little more tough but i'm sure three i should be able to come up with 10 or 12 and what were your top two again financial my my was financial and i wanted it to my credit score be more on top of that too i got to get those reports i'm going to lump that under finance because i want to do it same right it kind of it and i do finance then i would actually lift the reaction steps and one of your action steps would be to get your credit scores or get your credit report or you know what else didn't you do maybe work on your identity theft issues get that quiz done there you go yeah credit reports credit scores and take that quiz i'm just throwing out some ideas and you know then maybe think about how you spend your time in course don't forget about that personality assessment we took uh they're quite a while back we did i love that the via yes yeah i thought that we did action and that is on my website so if you want to and we should we should be aware of our strength play to our strength but we also be aware of what we're not so so strong yet we're not going to be strong at everything and that is on my website that if anybody wants to take that character survey it is it is enlightening and i'm glad you brought that up and you know when i talk about identity theft cathie joe um again we're talking with life coach cathie joe pollock today on weekends focus i think i i always opt out of getting the paper statements through you know my bank accounts and in the credit cards i do have but yet somehow they seem to show up so i always take upon myself to shred those things i i always think of me when i went that paper shredder and i was i let it pile up for a few days then i shred everything through but i'm thinking myself i opted out to receive you know just my online statements i don't want to get on paper yet maybe i'm not to make some calls because i still seem to be getting some of those paper even though i've double checked on my online account and i have it clicked i do not want to receive paper statements but yet it could be a glitch in their system so i would definitely make the sound call so why don't you put maybe paperwork um as one of your goals working on minimizing that you know paper paperwork because you don't want those ongoing statements you want all one have to keep shredding so much you want to minimize all of that that's out there or make maybe identity that's one of your goals taking the quiz and minimizing that those papers that you're getting sure and i know some people may like to get them personally again this is something that's going to everyone's perfect i do not like them so right and it is personal some people still do some i still do some i don't um but it's too much a letter in the house it is quite and one of my my goals was working on t clutter having more peace getting getting rid of some things so i'm working on that but the via characters or that you mentioned if again on my website under resources under inspiration and motivation they can click on it and actually um they were nice enough to allow me to do a little blog post about the survey so that's on there as well but you can take the survey because it's good to know who you are sometimes we get lost and other people stop don't you think we do it's a fast-paced world and we we forget about ourselves a lot more thinking about everybody else and have to do for everyone else we get lost we do and we don't want to we don't want that to happen so maybe it's about grounding you know finding out more about who we are you can go anywhere you want with your goal sheet that's the beauty of it list some things work on it so three top goals three things three action steps you're going to do for each one and think about how you can incorporate that into your day perfect well life coach catholic i appreciate you uh... taking time out of your busy schedule and people don't know cathie jose does a lot of seminars for companies i know she deals with people on individual basis but you are very very busy so i you know it's good host to you because i know i always tell you i want you to go on vacation make sure you take some unwind time and unplug a little bit but uh... yeah so but i always i thank you for being with me on the show today oh and thank you as well my pleasure