15 Things You Must Know About Your Credit Score - Radio Show With Brandy Speer

Brandy Speer

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

http://www.blogtalkradio.com/progressintheworld/2018/02/19/15-dos-and-donts-to-build-a-strong-credit-score--featuring-brandy-speer

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

admin@brandyspeer.com

Yourmoneywisdomnow.com

888-818-5669      760-845-5550

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

http://www.blogtalkradio.com/progressintheworld/2018/02/19/15-dos-and-donts-to-build-a-strong-credit-score--featuring-brandy-speer

Topic Sources                                                               

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

RESERVE YOUR SPACE TODAY!  (Act Fast Limited Space)

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

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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

http://www.blogtalkradio.com/progressintheworld/2018/01/28/know-the-facts-about-debt-collectors-6-things-you-do-and-4-things-you-dont-do

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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Take Charge of Your Life and Realize True Wealth Creation

New Year! New You!  Design Your Financial Action Plan 

Register TODAY  Reserve Your Space and receive FREE eBook:

 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   

admin@brandyspeer.com    

Yourmoneywisdomnow.com

'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.

http://www.blogtalkradio.com/progressintheworld/2017/12/17/tis-the-season--the-rich-get-richer-and-the-poor-get-poorer-with-brandy-speer

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

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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

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! Making Do ·         When you are settling for insufficient solutions and not feeling content.  Over Do ·         When you overspend, over give, over work, over commit and never get enough 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

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http://www.blogtalkradio.com/progressintheworld/2017/11/19/shift-3-patterns-of-behavior-end-financial-struggle