Sunday, February 18, 2018

15 Do’s and Don’ts to Build a Strong Credit Score-You Can Get Out of Debt!



Brandy Speer

This is a radio show. Monday 19 February 2018 11 AM Pacific.







Credit Card Do’s…
§  Do Use a Credit Card (to build credit score)
§  Try to get the lowest possible interest rates
§  Pay minimum due on current bills
§  Pay more than minimum on highest-rate card
§  Seek help from Certified Debt Management Counselors
Credit Card Don’ts…
§  Automatically cancel credit cards
§  Fall prey to debt consolidators
                     ==============================
   
     Credit Score Do’s…
§  Understand why you need a strong credit score
§  Embrace your FICO Credit Score
§  Set your target minimum 720 score
§  Pay bills in full each month and on time
§  Use only small percentage of available credit
     Credit Score Don’ts…
§  Open lots of new accounts in a short period of time
§  Take open a store credit card (try to avoid)
§  Co-sign a credit card application for someone else

Contact Brandy Speer
888-818-5669      760-845-5550

This is a radio show. Monday 19 February 2018 11 AM Pacific.

Topic Sources                                                               

National Financial Educators Council, National Consumer Law Center, Federal Trade Commission: Fair Credit Reporting Act (FCRA), Suze Orman



Webinar Series:  New Year! New You! 
Realize Your Dreams & Goals
Design Your Road Map to Personal Money Management Success
Monday, February 19, 2018 Noon. PT
Tuesday, February 27, 2018 7:00 pm PT



Click Here receive   FREE eBook:
 30 Ways to Save a $10,000 Emergency Fund

Attendees Receive…
 Fast Start Financial Action Plan Tool Kit with worksheets

Special Bonus Offer
1st 10 people register Free eCourse unlimited access
(choose up to 2 age specific ecourses Pre-k to Senior Citizen)

Saturday, January 27, 2018

Know the Facts About Debt Collectors: 6 Things You Do and 4 Things You Don’t Do



Brandy Speer
This is a radio show, call in number 310-861-2349

11 AM to 1 PM Pacific Sunday 28 January 2018


Know the Facts About Debt Collectors:
6 Things You Do and 4 Things You Don’t Do
Debt Collection Is the Top Consumer Complaint

                         What To Do When Debt Collector Calls
§  Keep Collections Log
§  Write Request They Stop Contacting You (option)
§  Tell the Collector If You Think You Don't Owe the Debt
§  Tell the Collector You Can’t Afford to Pay (option)
§  Give the Collector Your Current Address
§  Know What the Collector Can and Cannot Do

What Not to Do When a Debt Collector Calls
§  Giving Collector Your Personal Financial Information
§  Making "Good Faith" Payment
§  Making Promises or Admitting Debt is Valid
§  Losing Your Temper

What types of debts are covered?
Can a debt collector contact me any time or any place?
How long can a collection agency attempt to collect a debt?
How can I stop a debt collector from contacting me?
Can they contact anyone else about my debt?
What does the debt collector have to tell me about the debt?
Can they keep contacting me if I don’t think I owe any money?
What practices are off limits for them?
Can they garnish my bank account or my wages?
Can federal benefits be garnished?
What to do if a debt collector sues me?
Where do I report a debt collector for an alleged violation?

Topic Sources                                                    
National Financial Educators Council, National Consumer Law Center, Federal Trade Commission: Fair Credit Reporting Act (FCRA) 

Register for Our Upcoming Webinar
Take Charge of Your Life and Realize True Wealth Creation

New Year! New You!  Design Your Financial Action Plan 
 30 Ways to Save a $10,000 Emergency Fund

Tuesday, January 30, 2018 7:00 p.m. PT OR Sunday, February 11, 2018 Noon PT

Attendees Receive: Fast Start Financial Action Plan Tool Kit with worksheets
Special Bonus First 10 to register receive eCourse LIFETIME ACCESS

888-818-5669   
760-845-5550   

Thursday, January 18, 2018

9 Ways to Let The Money Flow with Brandy Speer on Progress in the World Radio Show



BrandySpeer
This is a radio show. 11 AM to 1 PM Pacific Time Sunday 21 January 2018
Please share on social media. Call in number 310-861-2349






Financial Literacy trainer Brandy Speer will discuss:



9 Ways to Let The Money Flow

How Serious Are You About Debt Elimination?


What is your “RESULTS-FOCUSED PURPOSE-DRIVEN MASSIVE ACTION PLAN”?




Ways to get the money flowing….

1.     Trust & Believe
Your mindset is important.
2.     You Are Not Your Parents
Beliefs, ideas money behaviors come from childhood
3.     Avoid Obsessing Over Debt and Lack
Be positive focused on solutions not worry and fear driven.
4.     Do the Work
You must track spending, create a budget and begin to save.
5.     Train Your Money Muscles
Wealth is a muscle to get results you must put in the work.
6.     Affirmations Really Do Work
Mental visualization written journals necessary to attract wealth
7.     Money Needs a Focus, Give It One
If your thought patterns are fear, lack and not enough money will go away
8.     Raise Your Money Vibration
What are the daily messages you’re receiving from your environment?
9.     Take Big Steps to Grow Your Income
     Sometimes you need to make big choices to get out of debt. 

Household Debt Realities
      Some debt is unavoidable, desirable
      Credit Card Companies deceptive
      Paying off debt can be costly

Signs of Over Extension
      Not knowing how much you owe
      Paying minimum balances
      Unable to make minimum payments
      Borrowing from one lender to pay another


Questions to be Answered
  1. How much debt is too much?
  2. What percent of take home pay should go towards rent/mortgage?
  3. What are the signs of over extension?



 30 Ways to Save a $10,000 Emergency Fund


New Year! New You! Design Your Financial Action Plan 
Tuesday, January 30, 2018 7:00 p.m. PT
Sunday, February 11, 2018 Noon PT

Attendees Receive Fast Start Financial Action Plan Tool Kit includes all worksheets and eCourse LIFETIME ACCESS (eVolve)

888-818-5669 toll free   760-845-5550 direct