Saturday, December 16, 2017

'Tis The Season-The Rich Get Richer and the Poor Get Poorer With Brandy Speer




Your Money Wisdom Guide:  12 Rules to Survive the Holidays



This is a radio show. Call in number 310-861-2349
11 AM to 1 PM PST Sunday 17 December 2017

Archived and Live version available at this link.




Here are the 12 Rules

#1 Learn How Rich Are Out to Get You – Psychology and the Retail World

#2 Understand Money & Emotions -  What are you feeling?

#3 The Past Holds the Key - Best & worst holiday memories?

#4 Review Your Holiday History – What is holiday reality?

#5 Visualize the Future -What is your vision of the perfect holiday?

#6 Create Holiday Spending Plan – Your Wish!

#7 Track Your Expenses – The Key

#8 Know the Signs of Deprivation – 3 Do’s to Stop Doing

#9 Pace Yourself – Avoid Stress Time and Energy

#10 Keep New Year in Focus – Future Dreams & Goals

#11 Avoid Money Mistakes During the Holidays

#12 Enjoy the Holidays! – A time to embrace Joy. Peace. Love.



Topic Discussion Questions:

1.      What percentage of our economy is based on consumer spending?
2.      How have you felt about the holidays in recent years?
3.      Do your finances affect your emotions?
4.      What emotions influence incorrect financial decisions?
5.      Can you avoid having negative feelings about money?
6.      Do cultural values influence our lifestyles and financial choices?
7.      What is Psychology of Consumer Spending?
8.      What are 3 Do’s we must stop doing?
9.      What are money mistakes everyone makes during the holidays?
Some Topic Sources     
National Financial Educators Council (NFEC)
The Penny Hoarder
Financial Recovery Institute

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, face our fears head on!

info@yourmoneywisdomnow.com   888-818-5669

Get eBook - 30 Ways to Save a $10,000 Emergency Fund

EARLY REGISTRATION 50% OFF - VETERANS FREE 
New Year! New You!

Your Money Wisdom Financial Action Plan

Sunday, Jan 7, 2018, and Sunday, Jan 14, 2018 12:00 noon PT

Attendees - Fast Start Financial Action Plan Tool Kit and

eCourse Lifetime Access


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
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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

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