Monday, November 19, 2018

Holiday Survival Tips: 3 Powerful Emotions that Affect Your Money - Radio Show



Brandy Speer, Financial Literacy Consultant


Get Your Act Together Holiday Survival Tips
3 Powerful Emotions that Affect Your Money

How About More Affordable Less Stressful Holiday Season?

Master 3 Emotions – A Key Factor in Taking Charge of Your Money
      Fear Constricts prevents you from taking action
     Shame Destroys makes feel undeserving
     Anger Paralyzes turns away money
Embrace New Truths Render these emotions powerless over you and your money

Avoid Money Mistakes Everyone Makes During the Holidays
We Forget to Prioritize
Confuse Generosity with Thoughtfulness
Over Indulge in Food and Drink
Try too Hard to Keep Up with the Joneses
Spending Beyond Your Means
Borrowing Against the Future
Ignoring Your Holiday Budget

Psychological Tactics Marketers Use – What they don’t want you to know?
Highlight Your Flaws
Run Emotional Ideas
Use of Color Psychology
Promote Exclusivity
Repositioning Competitors
Introduction of Fear, Doubt and Uncertainty

                         
             
What percentage of our economy is based on consumer spending?
How does your financial situation affect your emotions and reverse?
How does color marketing effect consumer behavior?
What is the Psychology of Consumer Spending?
What does it mean to embrace new truths?


Sources   National Financial Educators Council, Suze Orman, National Retail Federation

Color Meaning, Symbolism, And Psychology: What Do Different Colors Mean


End the Year Strong Reserve your space today  Take Control Over Your Money!
Nov 18th @11am Attack and Conquer Your Credit Score
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Tuesday, October 23, 2018

7 Common Credit Report Errors That Need Repair





This is a radio show. Call in number 310-861-2349. 7 PM to 9 PM Tuesday, 23 October 2018. Please share. 
Link: http://www.blogtalkradio.com/progressintheworld/2018/10/24/7-common-credit-report-errors-that-need-repair-with-brandy-speer

7 Common Credit Report Errors That Need Repair 
7 Reasons to Repair Your Credit Before You Retire

1. Personal Information updates
It is up to you - Creditors are horrible at this.
2. Closed Accounts incorrect information
Correction not always easy
3. Duplicated Negative entries
Loans change hands or collection accounts
4. Payment History reported by creditor incorrectly
Creditor reports their credit experience with you incorrectly
5. Ex-Spouse or Family Member
Common credit accounts are improperly reported 
6. Cosigned Loans 
The risk to your credit score 
7. Identity Theft or Mistaken Identity
When accounts are opened without your consent using your identity or Derogatory information applied to you in error

Repair Your Credit Before You Retire
1. New Credit Harder to Get
2. Easier to fix credit when working
3. May need to access credit lines
4. May need financing to move
5. Guarding against asset seizure
6. Bad credit affect insurance rates
7. Reduce or eliminate debt going into retirement


Where to get my credit report?
Should I pay-off old charge offs?
Do old closed accounts hurt scores?
Is a debt consolidation loan good to pay off credit cards?

Sources FTC, Suze Orman, credit sesame
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Oct 30, 2018 @7pm “Get Out of Debt: Jumpstart Your 30-Day Money Challenge”
Nov 11, 2018 @11am “Conquer Your Credit Score”
Take Control Over Your Money!
Solutions for Daily Financial Concerns; Build Credit Score, Eliminate Debt, Build Savings, Pay for College, Buy a Home, Money for Retirement 

Wouldn’t it be great to simply have “enough” money, and no worries?

Special Bonus FREE eBook: “Consumer Guide To Repair Credit and Improve My FICO Scores”

Reserve your space !!

Join next Radio Broadcast Tues, Nov 6 @7:00pm
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Sunday, October 14, 2018

9 Ways You Can Help Your FICO Score with Brandy Speer on Progress in the World Radio Show




This is a radio show, 11 AM PST 14 October 2018. 

Call in number 310-861-2349. 

If you miss the live show, you can listen to the archived version. Live and archived versions can be reached here.


9 Ways You Can Help Your FICO Score
                    Simple Things You Can Do Right Now to Increase Your Score

Credit Is Everything PERIOD!
1.    Get FICO Credit Score
 CreditKarma.com
 MyFicoScore.com    
2.    Get  free copy of Credit Report
           You can’t improve what you can’t measure
           Success is about having a target

What’s in Your Credit Report?
3.    Review Credit Report for accounts not yours
4.    Review for other errors
5.    Review inquiries for errors
           Learn factors do/don’t affect credit
              
Increase FICO Score
6.    Dispute Errors
           Inaccurate Incomplete Unverifiable Unfair
           Learn how to dispute errors
                         
Get Money Management Skills
7.    Pay Bills on Time
           First Rule of Credit Score Health
           Align personal financial goals
           Learn how not to live payday to payday
8.     Pay Down Debt
            Learn debt management strategies
            Develop debt payoff plan
9.     Don’t Max Out Credit Cards/Lines of Credit
  Learn debt to limit ratio
  Beware closing revolving accounts
             
What is credit/ FICO Scores
Where to start with debt management
How Can I improve my credit score

Sources                                                                             
Financial Educators Council, Credit Karma, Karen Black
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                October 16, @7pm pst  
Knowledge is Power

Gain Insight to Solutions for Daily Financial Concerns
Build Credit Score / Eliminate Debt / Pay for College
Buy a Home / Money for Retirement      
                     
Wouldn’t it be great to simply have “enough” money, so you don’t have to worry?

Special Bonus Offer FREE eBook:
“The Consumer Guide To Repair Credit and Improve My FICO Scores”
Join our next Radio Broadcast on Tuesday October 23 @7:00pm
yourmoneywisdomnow.com     admin@brandyspeer.com  1-888-818-5669 (toll free)   1-760-845-5550

Follow along with the presentation.






















Sunday, September 30, 2018

13 Principles of success You Need in Your Life with Brandy Speer



13 Principles of Success You Need In Your Life
                               Improve Your Financial Situation

1.      Realize the Power of Dreams - just imagine
Your dreams and your visions can influence your life
2.      Think Bigger than you are
Learn it’s all about thinking big and growing richer in mind, body soul,
3.      Have A clear vision
Success is about having a target
4.       Get Prepared  
Preparation is the foundation of success
5.      Take Massive Action
Start today and put that into action
6.       Move in the Right Direction
Success is a marathon not a sprint
7.       Focus on Growth
Evolution necessary to your success
8.      Be Determined
Where there is a will, there is a way
9.       Set Goals
Specific measurable realistic attainable timely
10.   Surround yourself with positive people
a.    Follow successful people do as they do
11.   Use affirmations
a.    Positive energy manifests reality
12.   Be grateful and appreciate what you have
a.    Being thankful/grateful will change your life dramatically
13.   Do what you love
a.    Find your purpose and use your passion      
        



Sources                                                                           
NFEC, Jim Rohn, Anthony Robbins,
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Join Our Next Webinar
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Build A Strong Financial Foundation -


Knowledge is Power…

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ü Build Your Credit Score
ü Eliminate Debt
ü Pay for College
ü Buy a Home
ü Money for Retirement
           
 Become Empowered Join Our Webinar…
                     
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                           October 16, 2018 @7pm pst
            
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    30 Ways to Save a $10,000 Emergency Fund
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