Category Archives: Articles and Discussions

Why does it seem so difficult to apply financial knowledge to get real results?

I’d like to invite you to join me in September for and exploration of God, Money and Real Life.  If the bible has so much to say about how to manage our money and there seems to be such a growing volume of people offering financial education, why do the studies also show that there is also a growing number of people struggling financially?

  • Could it by that there is a resistance to the information?
  • Could it be that vast numbers of people deny that additional financial information is important or could make a difference?
  • Could it be that the personal application of the information isn’t understood?
  • Could it be that many people just assume they already know how what to do to manage their money and make good financial decisions based on what they’ve done or learned in the past?
  • Could it be that much of the information being taught today is still only half the story?

Whatever the reason, there is no doubt that money, and in particular God and Money together, are:

  • Essential topics today
  • Controversial topics today
  • Require a fresh new look in order to create the paradigm shift so many people desperately need in their lives as it relates to money today.

I invite you to join me on a 4 week journey beginning Friday, September 7th at noon pacific to discover and apply some of God’s foundational principles of money as it relates to real life today.  The objective isn’t just more knowledge.  The objective is application, which means getting results.  And I promise you that with God’s blessing, it has the potential to provide the missing link between His living word about money, and your own life situation.

What qualifies me to teach about God, Money and Real Life?  For over 20 years I’ve been working in financial services; over 15 years ago God gave me insights to a missing link between financial information and the real-life application of that information; and his purpose for my life to share this information has taken me on a journey that sometimes feels like Joseph’s journey during the period of time from the pit to Pharaoh’s Palace:  a persevering spirit guided by the Lord.

We’ll cover:

  • Where to start?
  • What are your money goals (and why)?
  • How do you get from where you are to where God wants you to go?
  • Our financial systems are more complicated today than thousands of years ago, what do you need today to apply real life      with God’s plan for you and your money?

Here’s how it works:

1.  Register today by either:

a)  ordering online here, or

b)  making a donation here, or

c)  contacting me directly to make arrangements
2.  Before the program begins on September 7th, I will send you online access.  Depending on the total number of registered, we will either meet for our weekly sessions by phone, or by online video access.

3.  Each week we’ll meet as a group for the lessons and discussion, and each week I’ll provide you with follow up materials and ‘homework’.

4.  If you aren’t able to make a session, or if you’re away, that’s ok, because all the weekly sessions and follow up materials will be archived and available online.  The online access will also include an opportunity for you to share thoughts ideas and questions and to communicate with others in the program if you chose.

Hope you can make it and looking forward to sharing more with you.

~ Tracy

PS – If you’re just not sure, then please visit www.deathbymoney.com to order your copy of my new book, The Death by Money Report, to get the background information and to find out why this message so important today!

God, Money and Real Life

God says “But forget all that was in the past — it is nothing compared to what I am going to do.

For I am about to do something new.  See, I have already begun! Do you not see it?  I will make a pathway through the wilderness.  I will create rivers in the dry wasteland.” Isaiah 43:18,19

Because, “The blessing of the Lord makes a person rich, and he adds no sorrow with it.” Proverbs 10:22

The Past:

In 1997 while still practicing as a top investment advisor for one of Canada’s largest investment firms, I began developing the concepts that have formed the basis of the MoneyMinding programs and materials.  In 1999, God revealed himself in a dramatic way by sending an angel to our 3 year old daughter.  In 2001, both my husband and I accepted Christ as our Lord and Saviour and He has lead us on an amazing journey with some real-life challenges ever since.

This journey has so far included some of life’s biggest stressors:  a tax re-assessment and bankruptcy, a sudden close family member death, close family member cancer, another close family member messy divorce with kids involved, multiple moves, and a seemingly endless list of every day challenges with bills, cars, kids, family, etc. etc.

In 2005, we had an initial exciting financial revival after a few rough years, with a new home and successful business launch only to be met with challenges that grew out of trusting some people who had their own agenda including attempting securities fraud with my company, MoneyMinding.

There comes a point in life when you know that the Lord has plans for your life, ‘plans to prosper you and not to harm you, plans to give you hope and a future’ (Jeremiah 29:11) and that His grace is (and always has been) sufficient (2 Corinthians 12:9) to provide the courage to glorify Him through my life. (Philippians 1:20)

The Present:

The intersection of knowledge and faith came together to save my / our life in 2011.  The Holy Spirit spoke loud and clear that I was not to continue with the consultant’s plan to provide funding for the company in the public market the way he had been setting it up.  Everyone on the team was encouraging me to continue because the process had taken over a year longer than expected and money was scarce at best, and stress levels were off the chart.  The overall theme was to ‘get the money’ and get missing information later.  The process was halted and the team perceived that I had sabotaged everyone’s financial windfall.  In reality several months later, I did get the answers to the questions that had been mounting.  The funding ‘scheme’ was confirmed to be illegal and I was being set up to be responsible for the illegal activity.

Thank you Lord, for intervening when knowledge left questions and man was misleading me.

My husband, daughter and I were left with no money, minimal income, a mountain of debt, an entire mountain range of corporate administrative clean up, and no expertise or resources to carry on and re-build.  Yet the Lord has been faithful and has provided strength, money, people, encouragement and wisdom to maintain our bills, home, credit, marriage, and our health.

Surviving a devastating financial upheaval takes courage, it takes wisdom, and it takes God’s love to hold you through the long days of hard work and tough decisions.  Sometimes its only because He’s there that getting out of bed in the morning is even possible.

The Future:

My prayer is that you do not have to experience a major financial stress anywhere close to this.  Unfortunately, as I have written about in my new book, The Death by Money Report, the reality is that most people will experience some sort of financial uncertainty and struggle during their lifetime.  It could be from job loss, health issues, death, divorce, business failure, investment loss, accumulated debt, or a seeming inability to earn enough money to live the life you once hoped to be able to live.

Seven years after starting the company and marketing the information corporately, the Holy Spirit is prompting me to share the biblical principles that have combined with my technical expertise to help others navigate the world of personal finance today.  He is indeed doing a ‘new thing’ (Isaiah 43:18,19) and there is ‘no sorrow’ or ‘painful toil’ for it (Proverbs 10:22).  The principles have always been the foundation of the MoneyMinding programs; however, I have only recently started sharing with the body of Christ, the biblical integration.

Beginning September 7th, at noon Pacific, I invite you to join me for a 4 week journey:  God, Money, and Real Life.  I’ll share principles, strategies and action plans you can put into practice to experience the Holy Spirit’s power working in your finances and your life today.   God says, He can do ‘immeasurably more than we can ask or imagine’ (Ephesians 3:20).  I encourage you to join me to experience fresh insights from His living word and from the voice of experience, and expertise.  My desire is that you will be able to apply these concepts to your own situation to realize results you didn’t before think were possible!

The program is $99 for the four, 1 hour live and recorded audio sessions plus ‘homework’.  But, in keeping with God’s principles for prosperity, you can also make donations of any amount that will fit with your current situation.  If you aren’t able to attend the live sessions, that’s ok too, they will be recorded and you can still participate on your own time, including being able to ask questions and share your results.

Order here

Donate here

When your order and / or donation has been received you will receive information within 24 – 48 hours with further details and welcome instructions!

I’m looking forward to sharing more with you and to experiencing the Lord’s work in and through all of us as we journey forward together!

Abundant blessings,

Tracy

PS – This program is the first of many ‘new things’ as I also prepare to share the creative financial planning strategies and support from my long time friend and greatly admired financial advisor, Dan Loney (www.loneyfinancial.com).  He and I have discussed co-authoring a book on debt for almost 10 years now; I have come close to working with him several times in the past; and look forward to helping him expand his biblical program on financial management called, The Joseph Principle.  I will be continuing to support the portfolio of MoneyMinding content, programs, resources and materials including mVillage membership with live mentorship.  These are central resources for you to get personal and anonymous information and support and where new information is made available to members 24/7.

Debt Won’t Sabotage Your Retirement (and our economy), but how you view it will.

In the past few days I’ve received a few related articles on the impact of debt on retirement and the stress it causes.  Here are a couple of the recent ones:  Majority of Retirees Carry Debt and Boomers will Retire in Debt.

Before I carry on though, it’s important that you understand that this discussion is not to be interpreted as advocating reckless spending.  I have to begin with this disclaimer because money and debt have such strong connections to negative emotions that it’s critical to pre-empt any mention of anything slightly unconventional with the caveat that there are proper strategies for all of this and that money isn’t something that most adults received a foundation of knowledge in.  Dealing with financial matters requires good communication with financial professionals, but professionals are not money counsellors, or teachers, and most of this isn’t part of the standard financial curriculum in any case. You need to do your part in understanding your options and work with professionals to implement the plans!

What is so upsetting about this emphasis on debt reduction in favour of asset accumulation is the seemingly absent recognition that consumer spending and consumer confidence fuel our economy.  The continuous emphasis on ‘get out of debt’ so you can save a big pot of gold so then you’ll have more money to spend is only a half truth.

We actually don’t need savings – we need an ongoing source of income to provide for our basic lifestyle needs and other opportunities and emergencies that come up along the way.  The fuel for spending is income.  Income can be generated in many ways, yet the conventionally accepted view is that income is a more or less static variable in the financial planning process and that providing for financial needs after work will come from selling off assets (the accumulated pot of gold).

I am not aware of anything more stressful and unsettling than to life day in and day out with a nagging voice of doubt that maybe you shouldn’t be spending money on this or that because you have to get rid of the debt and add to your savings.

This commonly accepted view not only creates uncertainty, it also creates an environment where the scarcity mentality it feeds is prone to inappropriate financial decisions, bad investmenst, and isn’t generous towards others and social causes.

The lessons we’re teaching our young people who are watching their ‘retiring parents’ is that its perhaps better to not even ‘try’ to do something significant because the cost to get there is going to be too high and they ‘won’t be able to afford it’.  (check out the CBC report on ‘Olympic Dreams and Olympic Debt’).  Instead of pursuing worthwhile dreams, many people simply resort to a life of silent bitterness or resentment where they slowly become more and more self-centred and fearful of running out of money and not being able to support themselves.

This self-centredness becomes a distraction for a whole range of social issues because people go looking for an outlet – hmm, look at how sex has become so commonly accepted in mainstream media.  People look for a way to manifest their desires somehow. Unfortunately, we are fed a constant stream of enticing images and messages about how to fuel some sort of desire we might have forgotten about or not realized we had with some kind of material good.  Of course, the fulfilment of desires through possessions has an economic advantage to the business selling the goods and on some level will fulfil needs and desires of the person purchasing so there is certainly some benefit to the marketing information – until, however, the reality sets in and guilt and fear occupy thoughts with no end in sight other than further denial.  It’s a cycle that isn’t good for the individual, for the family, for our communities and for our entire economy.

So what’s the answer if it’s not go ‘cut back spending, to get out of debt, and to save a bigger pot of gold for the fairyland called retirement’? 

The answer actually isn’t rocket science but seems to be a huge struggle for many people because they have grown up in this culture of self-centred financial support which focuses on getting a good education so you can get a good job, then learn to manage your money on your own once you’ve got the job.

It seems that conventional teaching has completely left out the fuel for the entire plan which is the creation of income.   There are many many ways to create sustainable incomes besides a job or two or three.  It doesn’t take a big pot of gold for you to be able to retire and create more income from your investments, it takes independent thinking that knows the difference between earning less than you spend, and spending less than you earn.  It also takes financial confidence to know how to maximize the effectiveness of your finances so you are ‘leveraging’ all your assets including access to credit, to create sustainable income that creates wealth that creates further income and so and so on.

We have to realize that getting out of debt by cutting back spending will actually reduce our freedoms, lower our standard of living and NOT provide the peace of mind or independent thinking that will assist in creating the extra funds for the additional spending money you’re looking for to satisfy your personal interests, desires and higher causes.

Remember, I didn’t say to continue to spend recklessly and to hold on to high interest non-deductible debt or to just spend on selfish desires.  I’m saying that the way to win the war on debt and to create financial independence that will enable you to choose to leave work if you want (ie enable you to retire) is to learn how to earn sustainable income, to manage that income and all your other financial resources effectively (not just by looking at interest rates and rates of returns), so you can maintain your personal economy, while also helping others and ultimately our entire society!

To find out more about how a $10 solution can save your financial life, visit www.deathbymoney.com to order The Death by Money Report.  To Read my specific responses to these and other similar media articles become an mVillage member to read and respond and comment on this important issue.  To find out about live, personal and one-on-one MoneyMinding Mentoring please contact me directly at tracy@moneyminding.com to see if this exciting new concept is right for you!

 

Money Lessons For and From Our Kids

Our daughter, Jordyn Piercy, has qualified to compete at the Youth National Track and Field Championships again this year. Last year she qualified to compete during the same week that I halted the fraud from being carried out in my business. That was obviously a very dramatic financial experience. (You can read more about it in The Death by Money Report at www.deathbymoney.com because it was the non-conventional money teaching of MoneyMinding and the values approach to financial decision making that ultimately saved my / our life and is the basis of this message).

The financial nightmare, didn’t stop Jordyn from being able to fly across the country to compete. Jordyn’s attitude of success combined with my finance background turned the difficult financial situation into, ‘how can we make this work?’ and she earned $1625 in 3 weeks! ($125 more than the required budget). She reached her goal with the help of family and friends who sponsored her with cash donations, hired her to do some work, gave her bottles in a bottle drive, and other creative ideas. Here’s the link to her blog post about this process last year.

Unfortunately what we’ve discovered since then is that there are many, many talented young people who don’t get the opportunity to experience success in their field at higher levels of competition because of the financial burdens required to get there. (Here’s a CBC report on the financial realities of Olympic Athletes)

High level competitions, not only cost money, they will also, often be last minute which often requires even more expenses and challenges. In track and field, for example, you never know until a few weeks ahead of a championship meet if you will qualify to compete, or whether you will be selected to be part of a government sponsored team. This means that many families are forced to make last minute financial decisions about whether their kids will be able to compete at these higher level events. This situation is repeated in just about any sport and the huge gap between recreational sports and the level where they become eligible for professional sponsorship or government funding is daunting. Yet, bridging the gap is the key to success and where the biggest life lessons are learned.   This financial responsibility on the families leaves many (if not most) families with 2 choices: debt financing, or drop out.

This year, Jordyn and a few other athletes from lower Vancouver Island have teamed up to do some fundraising to help pay for travel costs for themselves and their coach to attend the Legion Youth National’s in Prince Edward Island (about as far away on the continent as you can get!).

The group is providing a sponsorship advertising opportunity for local businesses who would like community recognition for supporting local athletes. They have booked a full page ad in the local Times Colonist newspaper. The ads are $250 each with is the same as a regular ad of the same price, but the layout provides high visibility for maximum exposure as well as the strong community connection. If you are interested and able to support these 7 athletes please call me at 250-592-047 or email tracy@moneyminding.com right away since there’s a very short turn around time.

Additionally, my company, MoneyMinding, is building e a community initiative as a called Shoes to Success (Steps to Helping Others Experience Success). You can view the initial information on the program at www.shoes2success.com and make a donation of any amount there if you like. 100% of funds donated through the SHOES program at this time will be directed towards the athletes first, then towards launching this program for others to benefit from.

Finally, Jordyn is requesting personal support from friends, family and others and is accepting donations of any amount or sponsorship through her website at www.jordynpiercy.com.

She, along with the other young people she trains with, has demonstrated that its not just persistence that pays off, it’s living and experiencing success every day. I / we are so impressed with the kids who know that they might not always win, but that showing up day after day after day after day is what it takes to stay encouraged despite disappointments, injuries, social invitations and temptations, and other family and school commitments. Training and competing at higher levels provides young people with the experiences that will carry them through many different life circumstances. These young people are certainly an inspiration for others to reach and work towards something worthwhile.

The financial lessons from these young people are that our adult limited reality doesn’t have to create a barrier for them to expect to experience greatness. The financial lessons for these young people are the value of asking ‘how’ and to not let potential financial limitations limit their potential success. There is always a way when you’re committed.

I am sooooo proud to be part of this amazing group of kids and their families who are working together to make things happen for themselves and for others. I thank them for their commitment and I thank you on behalf of everyone for your support. Stay tuned for the updates on the road to Nationals 2012!!

 

Useful or Useless Debt – new MoneyMinding Minute

Debt isn’t good or bad.  It just is.  And when you learn to understand its capacity to either increase or decrease your financial well-being you will understand that it can be an incredibly powerful wealth building tool.  The flip side of that of course, is that it can also work the opposite and negatively impact your ability to earn, manage and maintain wealth.  You can watch the latest MoneyMinding video here

 

Efficient Use of Financial Resources Creates Unlimited Financial Possibilities

The definition of financial planning is ‘efficient use of resources’.  Unfortunately the concept of resources seems to be commonly accepted to be a scarce resource that needs to be controlled so you don’t lose it.  An underlying values system that generally accepts money as something that is risky is indicative of a fear of losing this ‘scarce resource’.  On the other hand, a view of money that understands its unlimited potential will approach day-to-day spending, investing, and financing decisions in a completely different way.  Interestingly, either view will usually result in reinforcement of the initial belief making it extremely difficult to recognize the missed opportunities that could have been if a balanced and integrated perspective had been implemented instead.

The fear based, scarcity decision approach is indicative of the lack of foundational financial knowledge of our adult population. Unfortunately financial basics like we received in reading, writing and arithmetic were not part of a school curriculum because it wasn’t necessary 30-50 years ago.  This lack of training also unfortunately means a lack of respect and a misguided belief that the ad-hoc, trial and error, and hearsay learning is all that’s necessary.  This belief is especially unsettling when it is combined with an assumption that if someone has achieved a certain level of wealth that those people are the best teachers in the area of money.  Perhaps, but not necessarily.

Every situation is different and what someone else did to create wealth is not necessarily going to be applicable for everyone else.  Wealth creation is a very personal, emotional and situational subject, particularly when the financial marketplace is changing so dramatically and so quickly.  Experiential learning is obviously extremely valuable and can result in seemingly solid financial situations, but more often than not it can also result in misguided strategies and result in missed opportunities, often that the unsuspecting person doesn’t even realize where they could have done better.  The missing key is the basic knowledge to know what questions to ask of the professionals who will be providing the specific financial products and strategies for each unique and personal situation.

This means that within our families, organizations, and communities, we have to realize that the world or money has changed; that it is a very complex technical industry requiring specialized knowledge, training and expertise and that the average person has a responsibility to know what’s important to them so they can communicate their needs effectively to financial professionals to get answers.  It is certainly not prudent to expect a financial advisor to do it all for you, nor is it prudent to think you can do it all yourself.  Financial decisions, like medical decisions, are very personal and emotional and require a lot of understanding of a multitude of variables which require individual attention and often multiple financial experts.  The personal competence and confidence when making decisions are what financial experts are not trained in or compensated to provide for you.

This also means that to benefit from a balanced and therefore efficient use of financial resources an awareness of personal beliefs and priorities is the most important step.  This will help you find and communicate effectively with the professionals who have the technical ability to implement strategies and plans for you to experience goals beyond what you might have originally thought possible.  It’s also critical to recognize that money is not a scarce resource and that risk (or loss) is something that can be managed.  This again requires appropriate knowledge and skills to work with the professionals to earn, manage and maintain your finances efficiently.

Here are a couple examples of how knowledge (or lack of it) can potentially limit opportunities that on the surface might have previously appeared prudent, or risky:  

1.   Assume you have $10,000 in cash and you have a $10,000 balance on a credit card.  One strategy for these 2 resources would be to take the cash and pay off the credit card. This certainly makes sense because likely the interest charged on the credit card will be higher than what you’re getting on savings.  Another strategy would be to invest the $10,000 to try to grow it into more money because ‘it’s nice to have money in the bank.’

However, how many people would consider using the $10,000 cash to pay off the credit card, then taking the $10,000 available credit and investing it into a wealth creating opportunity such as a business, investment, real estate project?  There are potential tax benefits to doing this as well as the potential flexibility built into your financial situation.  Plus, if the wealth creating opportunity generated ongoing income which would cover the credit card payments and provide additional income for the investor now your money is working to create more wealth.  Not to mention that you would still get to experience the ‘money in the bank’.

What if the $10,000 available credit was used as an investment along with others and meant that your pooled money could access even more potential because collectively your funds were able to purchase a larger investment, property, business program?

In either of these 2 scenarios, your use of the $10,000 could enable continued growth and wealth building that was efficiently using resources in a useful way where not only your situation could benefit but potentially others as well.  Obviously there are some critical skills and knowledge and loss protection strategies that would be considered in using your financial resources in this way, so this is certainly not to advocate that this is the right situation for everyone.  It’s an example of how viewing money from an unlimited perspective requires development of additional foundational skills and knowledge in order to confidently and effectively take advantage of an integrated strategy such as this.

2.   Now consider an example of what a situation could look like if you have enhanced your skills, knowledge and confidence and now have $1,000,000 available cash.  One thing you could certainly do with the money would be to invest it into businesses (through stocks), or into real estate.  If you bought real estate for yourself with the money you could then own your home which is certainly a high priority for most people.  However, if you were considering an investment, you could purchase a property and receive rental income.  This is now good for you and for others.  However there is a considerable amount of missed opportunity and flexibility and therefore added risk with these all-or-nothing approach.

If you instead combined various financial resources, and pulled together proper legal, lending, investing, insurance, tax and loss protection strategies, your situation could effectively provide a more stable and abundant financial plan for earning, managing and maintaining your wealth plus providing opportunities for others.

You could potentially take a percentage of your $1,000,000 (say $250,000) and purchase a property worth $1,000,000 by taking a $750,000 mortgage.  You could receive rental or lease revenue as cash flow plus you would still have the $750,000 additional cash to invest and be available for other opportunities or situations that might come up if the market or in your personal situation.  You don’t have this flexibility or security with the ‘all-or-nothing’ approach.

Taking this one step further like we did with the $10,000 being pooled with others, if you took $250,000 cash and a mortgage for $750,000 to acquire a $1,000,000 property, you could potentially provide an opportunity of others as well by developing or expanding your property.  This means, that with a smaller amount of money you provide diversification, opportunity, flexibility, security, and an overall efficient plan to create wealth not just yourself, but for others as well.

This is obviously not to say, that everyone should go jump into highly leveraged, creative investment concepts.  Financial planning is about the efficient use of ALL resources, including careful review and planning of your personal circumstances, your knowledge, skills, and the professional advisors on your team.  All these resources will either come together effectively to expand wealth and provide opportunities, or limit potential depending on your underlying belief.  When money is viewed as a scarce resource it is typically from missing knowledge and skills or inappropriate application of partial knowledge.  Either way, not taking advantage of all the resources available to you, or applying them in an inappropriate is usually because of a fear of not having enough, or fear of running out, or losing out.  This means that even some seemingly good financial strategies can on the surface seem to be prudent, when in reality they are sacrificing future opportunities or exposing you to different risks.  Flexibility and consideration of changing circumstances are important factors.

The critical consideration is to be aware that decisions based on fear of loss, or from an underlying belief that money is a scarce resource, are really pointing to a need for the development of financial skills and knowledge.  With increased financial knowledge there is an ability to take advantage of opportunities through competent and confident decisions.   There are infinite possibilities, and million dollar decisions start with the realization that we all have million dollar opportunities.  Million dollar opportunities start by learning to ask different questions to fully understand the benefit of skills such as financial math, financial forecasting, loss protection strategies, integrative planning, values, community, and more. And when we do, the benefits will be experienced within your own family, your organization, your community and our society as a whole!

To read more like this and to uncover the proven system and strategies to evaluate opportunities to make decisions that are right for you, visit www.deathbymoney.com to read The Death by Money Report and to access my private members area, mVillage. 

Comparing Credit Reports and Criminal Record Checks – MoneyMinding Minute

Law abiding citizens don’t think twice about getting a crimial record check for a job or volunteer opportunity.  However, these same people often make decisions that can negatively impact their credit score.  Companies and organizations are more frequently performing credit checks as part of their selection criteria.  They do this to validate character as it relates to fiscal responsibility.  It’s certainly something to take seriously and to take steps to learn more about credit decisions that can inadvertenly negatively impact your credit score and potentially your overall financial ability.    Because unlike criminal record checks, having no debt doesn’t necessarily guarantee a good report.   Watch this 1+ video here.   And make sure you find out more about how our world of money is changing at www.deathbymoney.com

New MoneyMinding Minute on Mini Budgets to Make You Money

It doesn’t have to be big and complicated – in fact it’s more powerful if you break down your spending into bite size pieces and pre-plan when and how much you’ll spend. This way spending is more intentional and this process becomes a key piece to building a budget that makes you money.  Watch the video here:      http://youtu.be/WRFEIcHHvWw

Make sure you click ‘LIKE’ to spread the word – and take adantage of an mVillage membership to access additional tips, tools and resources on creating and managing wealth building budgets.  Find out more from www.deathbymoney.com

Introducing MoneyMinding Minutes

These short tips designed for information, application, inspiration, and overall positive results.  To view others and to ask questions, comment, or get additional information on this or other area of personal finance take advantage of an mVillage membership available at www.deathbymoney.com.

The latest one is about identifying red flags as well as strengthening communication by writing what you understand.  Be sure to click ‘like’ to spread the word!

http://youtu.be/YGmMHyhX7q4

 

 

Help Spread Financial Success – contribute to my new book!

In the aftermath of what has become a conspiracy to commit securities fraud by a group of people claiming to be experts in helping companies’ access capital for expansion, MoneyMinding and Tracy Piercy (me) will be transitioning into a new delivery format for the information you receive.  It is by God’s grace and the application of the MoneyMinding principles to real-world financial decision making that prevented this fraud from completing.

Chasing money and sacrificing values, ethics and priorities is a recipe for disaster, yet many people continue to let money rule their lives, even to the point of abandoning their morals, friends, families, and life’s passions.  This is not what I believe or teach and have an unstoppable commitment to sharing this message of financial hope and independence.  People everywhere inadvertently fall victim to inappropriate decisions, settle for a life of struggle, or become victims of fraud because our conventional money wisdom feeds fear, scarcity and dependency which are not conducive to developing and applying financial skills, knowledge and confidence.

In essence, much of our current money wisdom is ruining lives, families and the freedoms we have come to appreciate.  In part because what is being taught about personal finance still expects that you will become a financial expert, or that you’ll be able to replicate what someone else has done for themselves to become wealthy.  Instead what you can do, is to learn to ask better questions to get better results from the professionals who have the technical expertise to help you implement your plans with the financial products and services you use on a day-to-day basis in real life!  This means you have to first be open to learning what it is you currently don’t know that you don’t know.

Please read my new publication, The Death by Money Report for the information that introduces these concepts, provides an overview of the attempted fraud, and the $10 solution that is reviving financial independence for people who grasp this paradigm shifting information.  You can purchase it at www.deathbymoney.com.

Make sure you continue to follow me and take advantage of the online mVillage membership.  This online community contains volumes of searchable financial resources and it’s where I will continue to share information and provide an opportunity for members to ask money questions anonymously about ANY area of their personal finances.

Plus – You can contribute to my new book:  Death by Money, Life by Faith.  This book details this and other dramatic stories of success from the application of this life-changing money wisdom.  When you contribute financially today you can help make a difference for others while also receiving special incentives and recognition for yourself.

Contribute financially here:

And, mVillage members (available with the purchase of The Death by Money Report here), can contribute to the writing of the book with your input as you read along, make comments, and ask questions while also improving your own financial life.

Here’s what you get for financial your contribution:

$5 – $25 Receive a signed copy of   the completed book with your name printed in it as a supporter (unless you   chose not to) ($25+ value)
$26 – $50 Receive all of the above   plus a copy of my 7 Day Make a Difference Video course ($75 value)
$51 – $100 Receive all of the above   plus a the ebook, Wealth Secrets of Everyday Spending ($150 value)
$101 – $250 Receive all of the above   plus digital copy of the original MoneyMinding Makeover ($425 value)
$251 – $1000 Receive all of the above   plus 1 year access to full mVillage ($1625 value)
$1001 – $2500 Receive all of the above   plus access to live Master event inVictoria  when available ($4420 value)
$2501 – $10,000+ above plus access to   Project M archives and monthly guest participation in current Project M   program ($14,420 value)

During the transition of the MoneyMinding / Tracy Piercy information, I am actively seeking partners to assist in publishing and distribution of this valuable information and continue to be available on a consulting basis and for speaking engagement.  You can contact me at 250-592-0457 (pacific time) and by email at tracy@moneyminding.com.

I welcome your queries, comments, questions, encouragement, and assistance and definitely look forward to sharing more with you in the future!

Abundant blessings,

Tracy