Saturday, November 18, 2017

Shift 3 Patterns of Behavior to End Financial Struggle







This is a radio show. You can call in to listen or comment 310-861-2349

11 AM to 1 PM Pacific Sunday 19 November 2017





Shift 3 Patterns of Behavior  to End Financial Struggle

Break Money Habit of Scraping-by and Meet Your Basic Needs


The Three “Do’s” … You must stop doing!

  1. Making Do
·         When you are settling for insufficient solutions and not feeling content.

  1.  Over Do
·         When you overspend, over give, over work, over commit and never get enough

  1. Do Without
·         When you deprive yourself of the essentials needed in your life

Special Guest:
Business Woman--Marine Veteran Lauren Rennella served in United States Marines; Licensed Insurance Agent, Financial Education Instructor, a passion for military families. Experienced first-hand, as a military leader, importance of personal money management. Her belief, we need to face our fears head on!
info@yourmoneywisdomnow.com   888-818-5669
Get eBook - 30 Ways to Save a $10,000 Emergency Fund
When you REGISTER for the Webinar

Design Your Financial Action Plan
Tuesday, Nov 21, and Thursday, Nov 30, 2017 5:30 pm PT
Attendees get - Fast Start Financial Action Plan Tool Kit and
eCourse Lifetime Access

What is the First Step to get out of debt?
What is at the heart of our most destructive money habits?
What must we stop doing to end the struggle?
What is a key factor you need to feel that there is enough in your life?
Will working harder and getting more money fix you money concerns?

Topic Sources:  National Financial Educators Council, Suze Orman, Financial Recovery Institute, Dave Ramsey
eCourse, Webinars, Workshops Register Now!
mailto:info@yourmoneywisdomnow.com760-845-5550 or 888-818-5669 


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Smart Practical Ways Spend, Save, Grow your money!
q  Planning for retirement?
q  Want to be debt free?
q  Buying a home?
q  Paying for college?
q  Rebuilding after financial set-back?



Wednesday, October 11, 2017

5 Actions That Lead to True Wealth - Brandy Speer on Progress in the World Radio Show



This is a radio show. Call in number 310-861-2349




5 Actions That Lead to True Wealth

Learn How to Face the Truth About Debt and Become Debt Free!

Description

  1. Face Your Fears
·         Remove obstacles
·         Identify anxiety trigger. Log your greatest fears related to money in a Financial Journal
  1.  Embrace New Truths
·         Define your American Dreams & Goals
·         Make a pledge to Stand In The Truth
  1.   Change Your Financial Behavior
·         Examine Relationship Between Your Values, Emotions & Personal Finances
·         Determine Your Money Personality
  1. Create Your Financial Action Plan
·         Establish detailed goals
  1. Face Your Debt Head-On
·         What Deb t Feels Like
·         Face the Truth about Debt

Special Guest:
Business Woman--Marine Veteran Lauren Rennella who served as a United States Marine, continues her service as a mother of 2 and Entrepreneur; Licensed Insurance Agent, and acquiring her Certified Financial Education Instructor license.  She is passionate about working with military families and experienced first-hand, as a military leader, the importance of personal money management skills. Her belief you must face debt head-on; create our own financial destiny.
Register for the Upcoming 3-part Webinar Series with Brandy Speer featuring Lauren Rennella…
The Laws of Debt: How to Dig Yourself Out of Debt – Step-by-Step Plan
Tuesday, October 24 - Thursday, November 2 and Tuesday, November7, 2017
@. 7:00 p.m. to 8:30 p.m.      Participants receive Fast Start Financial Literacy Tool Kit eCourse Lifetime Access included.

What keeps you from achieving your dreams and goals?
What does it mean to face your fears?
Do emotions effect your financial well-being?
How do you create the financial life you want?
How does your past hold the key to your financial future?
How do you create new financial truths?
What does it take to turn your financial situation around and become debt free?
Why is it important to know what type of spender you are?


Topic Sources:  National Financial Educators Council; Suze Orman; Financial Literacy Action Network
eCourse, Webinars, Workshops Register Now!
admin@brandyspeer.com  760-845-5550 or 888-818-5669    http://www.YourMoneyWisdomNow.com
Visit my YouTube Channel

Join me on Twitter!

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Join my email list (Your Data is Secure, no spamming)

Learn Smart Practical ways to Spend, Save &Grow your money!
q  Are you planning for retirement?
q  Trying to get out of debt?
q  Interested in buying a home?
q  Interested in paying for college?
q  Concerned about rebuilding after financial set-back?

Tuesday, April 4, 2017

35 Ways to Save $10,000




Call in number 310-861-2349
4 April 2017
7 PM to 9 PM Pacific


        
What should you be doing to save for your retirement, in your _____?

20’s
Recommended you set aside 15% of your salary for retirement. Contribute to your company’s retirement plan if one is offered. As your salary increases, ramp up percentage of income contribution. The benefits for savers in their 20s are huge.




30’s
It’s time to increase percentage of income contribution to company’s 401k or similar retirement plan. You still have a long time to let your money compound and grow prior to your retirement. Consider funding an IRA account.

40’s
You should be nearing your peak earning years.  Strive to max out your contributions to your 401k. This is when college also creeps up on those of us with kids consider to save for your retirement instead of saving for college.  There are other ways to pay for college, including having your children pay a portion. There are no second chances on saving for retirement.

50’s
This is our peak earning years, you should still strive to max out your contributions in 401k or similar retirement plan. Ideally, you are doing other saving and investing for retirement. Focus on funding your retirement rather than paying for your kids’ college tuition. You might need to care for aging parents. Take a serious look at your retirement plan, if behind consider cutting spending or plan on working a bit longer.

60’s
If you are behind, it is not too late to salvage your retirement, even into your 60s, might require working a bit longer or even part time into your retirement. Not the time cut back on contributions to your retirement plans.  It’s important to carefully time when you claim Social Security




Retirement Impact on Families
The growing population of older people and the impact on their families. Defining the Generations.

Topic Questions for Follow-up and Review
1.      Why most Baby Boomers will not be able to retire, unless…?
2.      How much do Baby Boomers have saved for retirement?
3.      How much should they have saved?
4.      What is a more disturbing fact than the savings shortfall?
5.      How can you build an Emergency Fund?
6.      How much should you save for an Emergency Fund?
7.      What does it take to be prepared for retirement?
8.      Why you should be investing in your retirement plan?

THINGS TO REMEMBER – STEP 1
ü  Face Your Fears
ü  Embrace New Truths
ü  Create Your Financial Action Plan

Some Topic Sources                                      
United States Census Bureau
Pew Research Center
National Financial Educators Council (NFEC)
Center for a Secure Retirement






Register for Our eCourses, Webinars and Workshops
FLAN works with people/communities/organizations/businesses who want to embrace and join forces to bring the vision of financial education (personal money management) to themselves, their families, employees and communities
Course participants will learn how to properly manage their money, save, invest and grow it.  It’s about dreams and goals!
Contact us to receive a complimentary 60 to 90-minute fun and engaging course by age
Apply techniques that work and start to see immediate results.
Full course covers key areas designed to help you achieve your personal financial goals.
Financial Literacy Action Network
Brandy Speer, Executive Director
1.760.845.5550 | direct

Learn more about me here: 

Visit my YouTube Channel
Join me on Twitter!

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(Your Data is Secure, no spamming)


Friday, March 10, 2017

9 Things Lenders Look for in Credit Reports Featuring Brandy Speer




9 Things Lenders Look for in Credit Reports
Why the Population of Unbanked and Underbanked is Growing




This is a radio show. 11 AM to 1 PM Pacific, Sunday 12 March 2017.
Call in number 310-861-2349


Financial Educator Brandy Speer will share valuable information with us covering these topics:





Why So Many are Living Life Without A Bank Account
  • Reasons to be Unbanked or Underbanked
  • Boomers -vs- Millennials
  • What You Should Know About Alternative Financial Solutions
  • Facts to Know to Open A Bank Account

Fees, Fines and Penalties                     
  • High Cost of Doing Banking
  • Stress/Worry of Maintaining a Bank Account
  • Living on the Edge


Credit and FICO Score
  • Like it or not, Your Credit Score is Important
  • Credit Score and Banking Facts
  • Banks and Background Checks
  • What Items Are or Are Not in a credit report?
  • Facts to Maintain a Good Credit Score?
  • Credit Repair Companies Avoid Being Scammed


If You Want to Change Your Financial Direction
  • Change Starts with You
  • Premise Begins with Honesty About Where You Are Financially
  • Old Shattered Dreams to New Realistic Dreams
  • Actions to Take Today


Some Topic Sources                                      
National Financial Educators Council
Find Family Resources

About US
FLAN works with people/communities/organizations/businesses who want to embrace and join forces to bring the vision of financial education (personal money management) to themselves, their families, employees and communities 

Course participants will learn how to properly manage their money, save, invest and grow it.  It’s about dreams and goals!

Download our complimentary 60 to 90 minute courses for all ages.
Apply techniques that work and start to see immediate results.

Register Today!
eCourse -  Webinars -  Workshops
YourMoneyWisdomNow.com

q  What are your personal money management goals?
q  Smart and Practical ways to Spend, Save, Grow your money
q  Crash Course Personal Money Management Teens & Young Adults
q  Financial Literacy:  Educating your kids (pre-k to 8th Grade)
q  College Grads: Real Money X –
                        What you must know, but they don’t tell you.
q  Road to Retirement –
                        How much do I need to retire? Steps to get started.
q  Homeownership
                        What you need to know about Credit and Beyond?


The financial literacy curriculum & presentations are designed to accommodate a variety of schedules and learning outcomes. Organizations have used the curriculum as workshops of various lengths, after-school programs, weekend seminars, camps, in-class training, lunch-and-learns, for-credit college classes, employee education and various other delivery forms. Financial Literacy Action Network is 100% independent and its financial literacy curriculum & presentations are purely educational. With the guidance of the Curriculum Advisory Board – comprised of educators, financial professionals, and financial education experts – this collaboration has yielded financial literacy curriculum that bridges the gap between theory-based education and practical application. If legal advice or other professional advice including financial is required the services of a competent professional person should be sought.



Financial Literacy Action Network
Brandy Speer, Executive Director
760.845.5550 | direct

Learn more about me here: 

Visit my YouTube Channel
Join me on Twitter!

Join me on Facebook!

Join my email list for important information 
(Your Data is Secure, no spamming)