FREE GAME How Costco returns work with Mastercard: • Costco accepts Mastercard for purchases. • Costco does NOT process refunds back to Mastercard. • When you return an item bought with a Mastercard, Costco issues the refund to: • Cash, or • A Visa debit card, or • Costco shop card, depending on store policy and manager mood. So in practice: • You buy something with a Mastercard credit card. • You return the item. • Costco asks how you want the refund. • You give them a Visa debit card. • The refund goes to your bank account, not back to the credit card.

3 Ways to Limit Negative Equity When Trading In a Car 1. Put cash down or bring outside money to the table Rolling old debt into a new car is how people end up paying for a vehicle they no longer own. If you owe more than it’s worth, you either cover the gap with cash or you carry that problem forward. No loophole here. Math always wins. 2. Trade into a vehicle that actually holds value Trading a fast-depreciating car for another fast-depreciating car is just switching seats on the Titanic. Choose vehicles with strong resale value and slower depreciation so the new loan catches up faster instead of sinking immediately. 3. Get your credit right before you trade Higher interest = slower equity build. Period. A lower APR means more of your payment goes to principal instead of interest, which helps you dig out of negative equity quicker instead of making it worse over time. Bottom line: Negative equity isn’t bad luck. It’s bad structure. Fix the structure before you sign, or the new car just inherits the old problem like a bad family trait. Clean. Direct. Post-ready.

Family, I want to take a little time to connect with each of you one on one. Everybody’s situation is different, and I want to see exactly what you need help with right now. Whether that’s fixing or building credit, getting personal or business funding, or figuring out ways to bring in more income. This isn’t a sales pitch. It’s just me checking in to see where you’re at and how I can be of real value. If you’re open to it, shoot me a message and we’ll set up a quick one on one. Let’s get you unstuck and moving forward.

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