Tuesday, April 4, 2017

35 Ways You Can Save $10,000


Call in number 310-861-2349
4 April 2017
7 PM to 9 PM

        
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
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Friday, March 10, 2017

9 Things Lenders Look for in Credit Reports with Brandy Speer on Progress in the World




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 - Progress in the World 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


James Wedmore: The Biggest Podcast Mistake

This week I’m resting up for my Inner Circle RETREAT here in Laguna Beach, CA! This is where I get spend a few days masterminding, brainstorming and coaching high-performance entrepreneurs looking for that cutting edge!
So... while I gear up for the retreat, I wanted to share with you my latest Podcast episode on The Mind Your Business Show: How to Launch YOUR Podcast!
As you may already know, my co-host Phoebe Mroczek and I just had our Podcast’s 1 year anniversary! To celebrate, Phoebe came down to Laguna for a few days to record and batch a bunch of Episodes for Q1 of 2017 (tip #2 in this week’s episode)!
In this week’s episode, you’ll learn the 6 tips we WISH we knew before getting started with podcasting, so you can increase your reach and impact more people.
Imagine if all of your raving fans and future customers had YOU in their ear for 30-40 minutes a day....
What would that do for your brand?
Your sales?
Your LIFE?!
...the noisier and more saturated the marketplace gets, the more ESSENTIAL creating your platform becomes!
Don’t get drowned out!
Have a listen to my latest episode of The Mind Your Business Podcast
http://mindyourbusinesspodcast.com/podcast/75/
image
Here are SOME of the topics you can expect MYB to cover soon:
  • Tapping Into Abundance
  • Creating a Winning Team
  • Effortless Launching
  • Understanding Crystals
  • And MUCH more...
Enjoy!
Cheers,
James Wedmore

P.S. For more strategies on how to take your show to the next level, check out Episode #61: Harnessing the Power of Podcasting, where we share the 21 tips for successful podcasting.

FCC blocks companies from giving cheap internet to poor families