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) 

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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


Thursday, January 18, 2018

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

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?


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

Tuesday, January 2, 2018

A New Year A New You! 9 Things That Can End Your Money Worries! Radio Show With Brandy Speer

Brandy Speer
This is a radio show. 7 - 9 PM Pacific Thursday 4 January 2018

A New Year A New You!
9 Things That Can End Your Money Worries
Make This the Year to Change Your Money Relationship

1.      Build Better Money Habits
Was 2017 another year where you were always worried about money? Do you feel conflict, shame, secrecy, held back? Do you look successful on the outside but inside you live in a fog about money. Or feel there just isn’t enough.

2.      Set Specific Actionable Goals
Determine Purpose, Gain Clarity,  Keep Focused,  Be Confident

Resolve to…
Set a goal be debt free.
Track spending 30 days.
Organize Records
Determine net worth (assets minus liabilities)
Open/Increase IRA
Prepare a will/power of attorney.
Establish Emergency Fund.
Read a book, join investment club, eCourse

3.      Remove Barriers
Be honest, no fear, no shame

4.      Baby Steps
Do a Little Every Day

5.      Automate Finances
Makes easier

6.      Set Money Challenge

7.      Adust Attitude About Money
Improve relationship with love & respect.

8.      Improve Your Financial Knowledge
Knowledge is power.

9.     Start Today
What is top New Year’s Resolutions?
  1. Why do we resist changing our financial behavior?
  2. What helps us discover our unique relationship with money?
  3. What are the best ways to improve your relationship to money?
  4. What is the best way to realize your Goals?

National Financial Educators Council
Jim Rohn
Brian Tracy

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!   888-818-5669 or 760-845-5550

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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

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