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You may as well wear your password on your forehead, or get a bill board if you use one of these.

1. password

2. 123456

3. 12345678

4. qwerty

5. abc123

http://www.themontyminute.com/passwords/

http://www.themontyminute.com/blonde-password/

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US Financial Statement:

U.S. Tax revenue $2,170,000,000,000
• Fed budget: $3,820,000,000,000
• New debt: $ 1,650,000,000,000
• National debt: $14,271,000,000,000
• Recent budget cut: $ 38,500,000,000

Now, let’s remove 8 zeros and pretend it’s our household budget:

Annual family income: $21,700
• Money the family spent: $38,200
• New debt on the credit card: $16,500
• Outstanding balance on credit card: $142,710
• Total budget cuts: $385

There now, don’t you feel like our legislators and President are kicking some ass?

We are in some deep serious…

As an insurance agent, I found this cool new website:

This person gets it….

www.insuranceagent411.com

Getting old sucks!
Your bones hurt, your skin slides and hair grows in strange places.

BUT!!! it is all not that bad.

Some stores and restaurants love us old people.

Take Dunkin Donuts. Since I turned 55, I get a 10% discount. I was pissed when my medium” hot” cream no sugar coffee went to $1.99 at my local Dunkin Donuts. The window person ( old people are too sore or tired to walk in, actually most just drive through the window) gave me my receipt and my penny back. What do I do??? I am a notorious big tipper. Do I dig for some change, or embarrass myself and say no ” keep the change”?
Instead, I proudly say ” senior citizen” discount please. I get the 10 % off 39 cents, and the window person gets a nice tip. A “win-win” for everyone.

Here are some other discounts for seniors. ENJOY, and do not be embarrassed to be old. They want your business, that is why they do it.

Since many senior discounts are not advertised to the public, our advice to men and women over 50 is to ALWAYS ask a sales associate if that store provides a senior discount.

Restaurants
Applebee’s: 15% off with Golden Apple Card (60+)
Arby’s: 10% off (55+)
Ben & Jerry’s: 10% off (60+)
Bennigan’s: discount varies by location
Bob’s Big Boy: discount varies by location (60+)
Boston Market: 10% off (65+)
Burger King: 10% off (60+)
Captain D’s: discount varies on location (62+)
Chick-Fil-A: 10% off or free small drink or coffee (55+)
Chili’s: 10% off (55+)
CiCi’s Pizza: 10% off (60+)
Culver’s: 10% off (60+)
Denny’s: 10% off, 20% off for AARP members (55+)
Dunkin’ Donuts: 10% off or free coffee (55+) this will save some $ Free
Einstein’s Bagels: 10% off baker’s dozen of bagels (60+)
Fuddrucker’s: 10% off any senior platter (55+)
Gatti’s Pizza: 10% off (60+)
Golden Corral: 10% off (60+)
Hardee’s: $0.33 beverages everyday (65+)
IHOP: 10% off (55+)
Jack in the Box: up to 20% off (55+)
KFC: free small drink with any meal (55+)
Krispy Kreme: 10% off (50+)
Long John Silver’s: various discounts at participating locations (55+)
McDonald’s: discounts on coffee everyday (55+) yep
Mrs. Fields: 10% off at participating locations (60+)
Shoney’s: 10% off
Sonic: 10% off or free beverage (60+)
Steak‘n Shake: 10% off every Monday & Tuesday (50+)
Subway: 10% off (60+)
Sweet Tomatoes 10% off (62+)
Taco Bell: 5% off; free beverages for seniors (65+)
TCBY: 10% off (55+)
Tea Room Cafe: 10% off (50+)
Village Inn: 10% off (60+)
Waffle House: 10% off every Monday (60+)
Wendy’s: 10% off (55+)
White Castle: 10% off (62+)

Retail and Apparel
Banana Republic: 10% off (50+)
Bealls: 20% off first Tuesday of each month (50+)
Belk’s: 15% off first Tuesday of every month (55+)
Big Lots: 10% off
Bon-Ton Department Stores: 15% off on senior discount days (55+)
C.J. Banks: 10% off every Wednesday (60+)
Clarks: 10% off (62+)
Dress Barn: 10% off (55+)
Goodwill: 10% off one day a week (date varies by location)
Hallmark: 10% off one day a week (date varies by location)
Kmart: 20% off (50+)
Kohl’s: 15% off (60+)
Modell’s Sporting Goods: 10% off
Rite Aid: 10% off on Tuesdays & 10% off prescriptions
Ross Stores: 10% off every Tuesday (55+)
The Salvation Army Thrift Stores: up to 50% off (55+)
Stein Mart: 20% off red dot/clearance items first Monday of every month (55+)

Grocery
Albertson’s: 10% off first Wednesday of each month (55+)
American Discount Stores: 10% off every Monday (50+)
Compare Foods Supermarket: 10% off every Wednesday (60+)
DeCicco Family Markets: 5% off every Wednesday (60+)
Food Lion: 6% off every Monday (60+)
Fry’s Supermarket: free Fry’s VIP Club Membership & 10% off every Monday (55+)
Great Valu Food Store: 5% off every Tuesday (60+)
Gristedes Supermarket: 10% off every Tuesday (60+)
Harris-Teeter: 5% off every Tuesday (60+)
Hy-Vee: 5% off one day a week (date varies by location)
Kroger: 10% off (date varies by location)
Morton Williams Supermarket: 5% off every Tuesday (60+)
The Plant Shed: 10% off every Tuesday (50+)
Publix: 5% off every Wednesday (55+)
Rogers Marketplace: 5% off every Thursday (60+)
Uncle Guiseppe’s Marketplace: 5% off (62+)

Travel
Alaska Airlines: 10% off (65+)
Alamo: up to 25% off for AARP members
American Airlines: various discounts for 65 and up (call before booking for discount)
Amtrak: 15% off (62+)
Avis: up to 25% off for AARP members
Best Western: 10% off (55+)
Budget Rental Cars: 10% off; up to 20% off for AARP members (50+)
Cambria Suites: 20%-30% off (60+)
Clarion: 20%-30% off (60+)
Comfort Inn: 20%-30% off (60+)
Comfort Suites: 20%-30% off (60+)
Continental Airlines: no initiation fee for Continental Presidents Club & special fares for select destinations
Dollar Rent-A-Car: 10% off (50+)
Econo Lodge: 20%-30% off (60+)
Enterprise Rent-A-Car: 5% off for AARP members
Greyhound: 5% off (62+)
Hampton Inns & Suites: 10% off when booked 72 hours in advance
Hertz: up to 25% off for AARP members yep
Holiday Inn: 10%-30% off depending on location (62+)
Hyatt Hotels: 25%-50% off (62+)
InterContinental Hotels Group: various discounts at all hotels (65+)
Mainstay Suites: 10% off with Mature Traveler’s Discount (50+); 20%-30% off (60+)
Marriott Hotels: 15% off (62+) I use this often
Motel 6: 10% off (60+)
Myrtle Beach Resort: 10% off (55+)
National Rent-A-Car: up to 30% off for AARP members
Quality Inn: 20%-30% off (60+)
Rodeway Inn: 20%-30% off (60+)
Sleep Inn: 20%-30% off (60+)
Southwest Airlines: various discounts for ages 65 and up (call before booking for discount)
Trailways Transportation System: various discounts for ages 50 and up
United Airlines: various discounts for ages 65 and up (call before booking for discount)
U.S. Airways: various discounts for ages 65 and up (call before booking for discount)

Activities & Entertainment
AMC Theaters: up to 30% off (55+)
Bally Total Fitness: up to $100 off memberships (62+)
Busch Gardens Tampa: $3 off one-day tickets (50+)
Carmike Cinemas: 35% off (65+)
Cinemark/Century Theaters: up to 35% off
U.S. National Parks: $10 lifetime pass; 50% off additional services including camping (62+)
Regal Cinemas: 30% off
Ripley’s Believe it or Not: @ off one-day ticket (55+)
SeaWorld Orlando: $3 off one-day tickets (50+)

Cell Phone Discounts
AT&T: Special Senior Nation 200 Plan $29.99/month (65+)
Jitterbug: $10/month cell phone service (50+)
Verizon Wireless: Verizon Nationwide 65 Plus Plan $29.99/month (65+)

*Check out our Secret Cell Phone Discounts to view all cell phone discounts available to you!

Miscellaneous
Great Clips: $3 off haircuts (60+) yep
Super Cuts: $2 off haircuts (60+)

Stamper Trucking
Cushing Hill Road
Hanover, Ma 02339

TEL # 617-974-4544

Every time I have a move to make, I make the first call to Stamper Trucking in Hanover Ma.

I am not going to lie to you, I do not like movers. They tend to rip you off and they show up with sketchy smelly guys who I would not trust in my house or business.

Stamper Trucking is different. Peter Stamper owns the company and he is as hard a worker as I have ever seen.  He shows up on time and gets the job done right.

Peter is a family guy with a great family. This is the main reason I use them. These are the type of people you want to come into your home or business.

Peter has moved my house twice and my business twice. I have been more than pleased in every case.

• Professional
• inexpensive
• clean & courteous

Who would use Stamper trucking?

• house moves
• office moves
• need a piece of furniture picked up from a furniture store
• House cleanouts
• no job too big or small

I highly recommend Stamper Trucking for any of your moving needs.

Monty

Find your voice
Marketing (in all its forms) is unlike everything else an organization does, because it’s always different. There’s no manual because everyone does it differently, and what successful marketers have in common is that they are successful.
The only way your organization is going to make an impact is to market in the way only you can. Not by following some expert’s rules or following the herd, but by doing it in the way that works. For you. Don’t worry about someone else’s invented standards for new media, invent your own. Avoid obvious mistakes, don’t follow obvious successes.
Find your voice, don’t copy someone else’s.

I like seth Godin. he has some great advice on marketing, business and sales if you are interested in his thoughts sign up for his daily blog.

Seth Godin

Also find your voice. I am trying to find mine in the blog. It seems like I am leaning towards jokes, rants and restaurant reviews. But more people than not, want me to keep it edgy and riddled with soft porn. ( pervs)

A guest reataurant review

by EW Franklin Ma

Harbourside Café

Sea Pines Resort

Harbour Town

Hilton Head, SC

For the past three years I have taken a vacation week in Hilton Head, SC with my family at one of the rental homes inside the Sea Pines Resort. All in all, it’s a wonderful spot for couples, families, golfers, beachgoers, etc…

A highly anticipated activity for the week is to have a lunch or two at the Harbourside Café. This is an outside bar/restaurant that is very casual but has the perfect combination of shade/sun and an incredible view of the famous Harbour Town Marina.

The menu is simple and has something for everyone in the group. The drinks are great, and like most places in the South I can have a sweet tea. Trust me – it’s worth the calories.

I can still remember my first lunch here three years ago like it was yesterday. I ordered the Fried Fish Sandwich and was treated to the perfect combination of just caught fried grouper, a delicious bun, some incredible banana peppers, a light tartar sauce, lettuce, tomato, and surrounded by a moat of fries. Anyone who has heard me talk about Hilton Head has heard me talk about this sandwich. It was that good.

This brings me to my most recent visit last week. To my horror, the menu was noticeably different from past trips. My instinct told me this would be a problem but I hoped that it had the potential to improve upon past visits. Deep down I knew this would be asking a lot.

Yes, you read correctly. My perfect sandwich is now called the Fried Grouper “Finger” Sandwich. I knew I was in for disappointment, but I had no idea how big it would be.

Somehow, the creative culinary geniuses in their quest to increase profits decided to take the appetizer and simply throw it on a bun with some veggies and side packets of tartar sauce. Not good. They should have called it the Fried Grouper “Middle Finger” sandwich

Well, needless to say this is not a sandwich. I proceeded to discard the bun and go at it as it was intended on the appetizer list, but the disappointment was too great. Thankfully other members of our group loved the café and you simply can’t argue with the surroundings.

While this stop went from a 10 to a 7 on my rating scale, I still encourage you to visit this stop if you ever find yourself in Harbour Town. Just get a hot dog, a sweet tea, and watch the day go by in one of the most beautiful spots on the east coast – and don’t forget to leave some scraps for the birds!

comment from Monty ” they screwed the poor guy. The man flew his whole family to Hilton Head for two things. He was hoping to have a little hotel sex with the wife, and to get one of those succulent fish sandwiches that he craved so much. He got fooled, deceived and disappointed. I feel his pain. I hate it when you love something and not only do you crave it, but you cannot stop talking about it. Then you bring friends and they look at you like you are nuts.Because it is different than what you remembered.

I sure hope the Hotel sex was good, or this dude had one bad vacation. ( I also heard he did not break 80 at Harbour Town )

The current menu:

Here is was some others have said:

If you like to have your 2 year olds picked on and laughed at then this is the place for you. The NASTY fat bald loser of a “musician” that was playing music the night we went thought it was funny to pick on a 2 year old girl and make her move her chair because it was to close too his tip jar. This place is a blast and great fun, so much that kept me up all night thinking about how mean someone was to my child. Yeah! … great family atmosphere….. try shelter cove or the salty dog cafe… at least they never made my kids cry. If they were negative stars that is what this place deserves

can only address breakfast after church, ,, if the bayside location weren’t right in front, it’d be 2 stars, ,, svce’s ok & food quality’s the same, ,, decent, but not worth a 20 …‎

Monty

Previte’s

1350 Washington Street

Weymouth, Ma 02189

781-331-6364

Prevites was always a favorite stop of mine when I went to Quincy. They have THE BEST MEAT around.

Their chicken is to die for. I know, how can you get excited about chicken? but for some reason it is better and moister  than anything you can get at a market. I asked them why and they said that they buy only select grade “A” chicken.

It doesn’t stop there, the meats are cut fresh and the butchers are professional and very helpful. These guy’s are a riot. They have fun with you and always leave you laughing. They are more than an act. They know their meat!!!

Peter & Paul ( That is a ribeye not mary. They are not a 60's band )

You need to buy the two pound bone in rib eye’s. Grab some of their ribeye seasoning, and do a little rub. Then sear each side, and set it aside on the top rack of the grill or in the oven. This will be the best thing you ever ate.

make Previte’s your one stop for tailgates, cookouts, and cooking on the back of your boat.

Mention ” The Monty Minute” when you talk to the butcher. They will stand on their head for you.

Oh ya! come hungry and stay for lunch or dinner. The eat in food is awesome. Huge hot dishes, fresh cold cuts, huge subs and even salads. Grab your food and drink and head out to the lobby for lunch at the cafe.

If you are still hungry and I promise you cannot be, walk next door to Fratelli’s bakery for a cannoli or a pastry.

I almost forgot, the new Fish section is as fresh as their meats. Unless you stood at the boat docks, you cannot get any fresher fish.

Take my word for it. Buy your canned goods at Stop & Shop and get your meats and fish at Previte’s

I could go on and on, but try it out for yourself.

Monty

I heard a guy speak today about sales, but what really fascinated me was what he had to say about birth order. He pointed out that you can tell a lot about people by where they are in the birth chain. you know oldest middle child and youngest. I am going to have more on this later when i do some more research.

For now, take this test and see if they can predict where you are. I was honest and they were dead on.

Take the test CLICK HERE.

If you are interested in sales, read this short article.

http://www.ecademy.com/node.php?id=57615

Massachusetts auto reform.

What is it really about?

To be honest, it is long over due, but it really is all about nothing. Because for the last five years, the state has been setting the rates and they have been coming down fast. Last year alone, we had a double digit reduction. The state and the insurance companies finally reeled in all the fraud and got a handle on the blood sucking attorneys that were piliging the system. Rates are now under control.

So why do I say that it is all about nothing, Because everybody is in this thing together. Basically they all came down about the same amount. There was no rabbit company that jumped out in front and blew people away, They all came down in price about the same, and they all added some value added discounts and coverage. So the difference really is not about price but about what they have to offer.

It appears to me that if you are looking for savings, you need to look at bundling your your homeowners and auto together. That is where the real money savings is.

The state also has to do a better job of spanking the bad driver. These knuckle heads, are still driving reckless and hitting everything but the lottery. With only a 10% cap on what bad drivers pay, what deterrent is that?

I told someone the other day, that this new system is like getting a mortgage. There are rules for each company, and they all have a little bit different gimmick, but in the long run, they are all priced about the same and they are all about the same in what they do, so what do you do about getting a mortgage, you get it from someone you know or trust. It should be the same with your home and auto insurance. Go to the person you trust, and the person you know, in the long run you will be better off than running around chasing a rate.

In 2009 when the geko from geico invades our world, it will be a little more of the same, they will be cheaper, and the regular companies will come down a little more, and the second phase of the battle will begin.

People who were not being satisfied by their company or agent will move to Geico , and people who have reached the age of reason will stay with their trusted agent.

Monty

In a recent Gallop poll on Honesty & Ethics Insurance salesman scored the third lowest when it comes to honesty and Ethics.

Hogwash !!!

That is such a bunch of shit. Probably because the biggest insurance companies are Allstate, Geico and State Farm. That is the only reference most people know.

If you want honesty, call MONTY, I will hook you up with an honest and ethical guy.

Rebuttal:

Honesty Sells the Policy:

Oh, and about that Gallup poll?I Don’t feel too bad. There were two professions that scored even lower than insurance salesmen. HMO managers were next to last at 11%, and car salesmen were dead last at 7%. But I doubt you’ll hear any horror stories at cocktail parties any time soon about auto owners who fib about the condition of their trade-in vehicle.

Lots of people have asked me, Monty, how do you do it? How are you successful at sales. It is simple and I have come up with an acronym that might help you. Good luck.

Make a friend, make a sale. Most sales are relationship driven. People want to deal with people they like. “Friends last longer than customers”

Open the damn door. You need to get out and see people. The shoe leather needs to hit the road. Cold call and just drop by. An old sales manager once told me, that the hardest door to open was the one to your car door. He also said that when you think you have made your last call, make one more. At the end of the year, that last call will be quite a few sales.

Niche sales. Find something that you are an expert at, and sell it. Do not be one of the pack. Sell a product or service that is unique. Stand out from the crowd.

Take a minute and stop selling. Ask for the sale. Ever hear that line “ He had me with Hello” Some times that is all it takes. Not all people want to hear the pitch, they want to buy now, so stop selling and close the deal. Do not be afraid to ask.

Y why not you. People are going to buy your product from someone, so Y not from you. Be confident. Be positive, and above all always Be yourself.