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!

Join me on Facebook!

Join my email list for important information 
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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)




Tuesday, February 7, 2017

4 Actions You Can Take to Help Protect Your Families’ Legacy - Radio Show





Your Road Map to Achieve Financial Freedom with Brandy Speer

This is a Radio Show. 7 PM to 9 PM Pacific Time Thursday 9 February 2017


Understand the power of a “RESULTS-FOCUSED PURPOSE-DRIVEN MASSIVE ACTION PLAN” that is necessary to achieve any financial change

Action Step #1
Change Your Financial Behavior

1st Law of Financial Freedom 
Take Stock of Your Emotions
2nd Law of Financial Freedom
Face Your Fears and be Honest with Yourself
3rd Law of Financial Freedom
Embrace New Truths
It’s All About Your Focus and Your Beliefs
4th Law of Financial Freedom
Be Responsible to Those You Love
5th Law of Financial Freedom
Write Down Your Long & Short-term goals

Action Step #2
Develop Your RPM (Results – Purpose – Massive Action Plan)
Those who succeed in life have the answer to 3 questions:
1-      What is the specific result I am committed to achieving?
2-      What is my purpose? WHY do I want to do this?
3-      What specific actions must I take to make this happen?

Action Step #3
TAKE ACTION NOW!
Make & Track Measurable Progress In A Reasonable Time


Action Step #4
Must Have Documents
Being Responsible to Those You Love

Financial Freedom means being responsible to those you love. It's not being responsible when you get ill or die and leave “financial chaos” behind.  It turns out, a large part of financial freedom requires we address those lingering concerns about the “what ifs” of life. It is not enough to say you will get around to it. It is essential for your well-being and of those who survive you to know that you have prepared everything in the best way possible.

That is why to be responsible to those you love and to yourself these must have documents are essential as part of your Massive Action plan.

ü Will
ü Living Revocable Trust
ü Durable Power of Attorney for Health Care
ü Advance Directive
ü Life Insurance

Join us as we go into the details about each of these documents.

Financial Literacy Action Network
Brandy Speer, Executive Director
1214 Armorlite Drive, #121
 San Marcos, CA  92069
760.845.5550 | direct
888.818.5669 | toll free
855.455.5550 | Fax
brandy@yourmoneywisdomnow.com | email
www.FinancialLiteracyActionNetwork.org | website

Monday, January 23, 2017

Radio Show: 3 Steps You Need to Design A New Financial Future



This is a radio show that can be participated in live or via archived version.

Tuesday 24 January 2017
11 AM to 1 PM Pacific

Direct Link: http://www.blogtalkradio.com/progressintheworld/2017/01/24/3-steps-you-need-to-design-a-new-financial-future


Brandy Speer




Description
  1. Face Your Fears
·         Remove obstacles
·         Your past holds the key…
·         Be honest about your fears
·         Know that your relationship with money is not something to be afraid of, but something that you can manage. 
·         Identify and write down 7our greatest fears

It is critical that you identify the thoughts causing you anxiety. A manufactured reality about a scary, negative, and imagined future. 
Write down in a “Financial Journal” your greatest fear when it comes to money.
Then move past these fears and allow yourself to create your new financial future.

  1.  Embrace New Truths
·         Start with an attitude of gratitude
·         Define your American Dream
·         Why it is important to achieve financial wellness?
·         Make a pledge of commitment to your new truth
·         Make the pledge your mantra

  1.  Create Your Financial Action Plan
·         Begin setting detailed goals
·         Include lifestyle choices for each age range (10 year increments)
Choose a goal that is challenging yet achievable.  Such as…
Long-Term Goals
ü  I will achieve financial independence by _____ and I will feel ____ knowing that I am able to ____.
ü  Within the first year of my financial independence or retirement I will have ____.
ü  Within the fifth year of my financial independence or retirement I will have ____.
ü  Within the tenth year of my financial independence or retirement I will have ___.
ü  The big project I will accomplish at some point during this period is ____.

Short-Term Goals
ü  Within one month I will feel great knowing that I ____.
ü  Within six months I will feel great knowing that I ____.
ü  This year I will feel great knowing that I ____.
ü  Next year I will feel great knowing that I ___.




What is the greatest obstacle to obtaining wealth? 
What keeps you from having money?
What is the first step to increase your money flow?
What is your fear?
What do you want for your money?
Why achieve financial wellness?
How do you create the financial life you want?
How does your past hold the key to your financial future?
What does it mean to face your fears?
Why is it important to face these fears?
How do you create new financial truths?
What is the most important ingredient to creating a financial action plan?



Some Topic Sources                                      
National Financial Educators Council
Leslie Tayne, Life and Debt
Anthony Robbins Personal Power
Suze Orman
Warren Buffet
Financial Literacy Action Network
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.



Financial Literacy Action Network
Brandy Speer, Executive Director
1214 Armorlite Drive, #121
 San Marcos, CA  92069
760.845.5550 |direct
888.818.5669 | toll free
855.455.5550 | Fax