Posts Tagged ‘financial advisor’

Re-purpose, Re-use, Re-brand, Re-build

Since 1997 I have been writing financial literacy articles, tips, reports and courses geared towards middle-income people who are users of financial services. The theme was always to help someone learn the basics so they could ask more informed questions and work more effectively with a financial professional to give them advice and implement the products and services they needed to be most effective with their finances.  

In 2011, I had a life-changing experience that later was confirmed to be an attempted securities fraud with me and my company being positioned to take all the responsibility. The aftermath of this has cost my family every material asset we had including our credit. It also cost us relationships with friends and family. We have maintained our health, and through this experience have gained a strong marriage and faith – not in my/our abilities to do anything, but in God’s promises.

The assets I have now are personal items, most of which are currently in storage waiting for God to provide us with our next home; my ability to work; my unwavering passion and conviction to continue to share the message God has burned in my heart, and the huge inventory of written financial literacy content that I wrote during my corporate years to be rebranded, repurposed, reprinted and shared. Included in this portfolio are trademarks and URL’s to provide an extremely unique opportunity for someone to create an immediate return on their investment in acquiring the portfolio. 

Once more, I am offering the entire portfolio for sale as a way to fund a transition into writing and teaching as a Christian author. I’m doing this as a way to help my family begin to rebuild after the years of loss. My husband and I are both 54 and at a time when many people are slowing down, we are starting over. 

Professionally written personal finance content is not inexpensive to come by. It’s not something that all financial professionals can produce, nor should they. If I apply a per word value to the entire portfolio equal to what you’d pay to produce or access what I’m offering for sale, the value is close to $1m.  

For someone who is doing online marketing or wants to have compliance friendly, easily reproduced client-centric content this portfolio won’t exist anywhere else and is available at a fraction of what it would cost to access or create yourself.  

If you would like to start or enhance your online presence here is your opportunity to build a turn-key immediate online system to support coaching, training, or financial services and earn income from selling the online products as well.

If you would like to have a physical book to enhance your credibility as a financial professional or coach, here’s your opportunity to have your own book published because I’m giving you the opportunity to take what I’ve already written and published and turn it into your own which is much faster and easier than writing a book from scratch! 

Call me at 250-592-0457 (pacific time) to find out more. I’m not expecting a million for the entire portfolio, but I’m also not going to sell it for $1000. I will help you determine the return on investment and how you might best incorporate the content into your business if want. Otherwise, we’ll agree on a price that works for both of us; we’ll write an agreement about use and ownership; I’ll send you the content in a digital format for you to search and edit and repurpose; aand I for sure, will look forward to seeing the fruit of this labour be a blessing in its new format with its new owner(s) and new clients.

 

How to Double Your Financial Client-Base in 30 Days

If you could gain instant credibility in your market and have an automatic referral generating process to bring in more than 10 new clients a month from qualified prospects, ready to act on your advice, how much would this be worth to you?

Sadly, most advisors, coaches, consultants and counsellor-types I’ve spoken to aren’t able to answer that question. They want more money, but don’t know the value of their activities or even how to begin to calculate what return on investment for their business. They also don’t have systems in place to handle an increase in business and because they’re missing this key information, they spin their wheels doing everything by themselves in order to pick up any kind of business they can.

  • If you consider the value of one new client, how much time does it cost to acquire and service them?
  • Perhaps you’re trying to build a website and tap into social media to find them; how’s that working?
  • Are you sending newsletters and organizing seminars?

All these marketing initiatives are time consuming and require specialized expertise. Many people spend a lot of time and money to learn how to do some of these things themselves and end up with minimal results.

  • If you’re new to the financial or coaching industry would credibility and automated marketing and client service jump start your business?
  • Or, if you’ve been around the industry for a while and are switching firms or perhaps selling your practice, would having an automated prospecting and service system facilitate a streamlined move?

A tremendous amount of your day is spent doing marketing, service and compliance tasks that don’t make you money but are still necessary. Financial regulations are squeezing income; and re-inventing the wheel or doing what everyone else is doing only adds to the stress and unproductive activities.

If you want to double your client-base in 30 days, you need to be able to leverage your activities which means you need to know where and how to focus and systematize what you do on a day-to-day basis. Sounds logical enough, but if you’re trying to do it all, this can take years…unless you can recycle, reproduce, rebrand, and reuse something that already exists to plug into a system that produces an immediate ROI in your business.

By immediate, I mean within 30 – 90 days. How? By unlocking hidden opportunities within something that’s already produced; a renovation of sorts to position yourself in your market as an expert, above the crowd of financial professionals competing for clients so the right people will find you and you’ll be able to support them.

If you want to help people navigate the increasingly complex world of money, you must establish credibility and have systems to acquire and service your clients efficiently. In today’s marketplace this can be a costly, time-consuming, regulatory maze on your own.

It took me 3 decades to learn and build what I’d like to share with financial professionals who know what I’m talking about and aren’t afraid to invest in their business. The secrets I learned through ridiculous hard work and hundreds of thousands of dollars, can help someone from sabotaging their business with wasted time and effort. I know from personal experience that doing everything on your own is time-consuming, tedious and not very effective. I also know that leveraging other people’s time, money and expertise can be very profitable, but only if you know what your objective is because it’s way too easy to get side-tracked and spend money without seeing a positive return in a reasonable amount of time.

If you’re someone who has a clear vision and wants to move your business forward and increase your income in the next 30 days the fastest way to do that is to follow something that others have done successfully in the past, but to personalize it for your unique situations, goals, purpose, and vision; you’re repurposing what has worked for someone in the past.

If you’d like to double your business without doubling your effort and sacrificing time away from what you love, then let me know and we can discuss a simple, unique, timely and valuable asset you can repurpose for your own business to get results beyond want you can currently envision.  Send me a message and I’ll look forawrd to sharing more with you then.

Sam Piercy, CFP / sam@sampiercy.com

Did You Catch This?

I have shared this with my corporate site at www.financialgrace.org , but thought I’d share it on my professional blog as well…

In this online information area people have become understandably skeptical.  As a result, we have added regulations to protect against privacy and information fraud.  This is good, but also creates barriers for many honest, ethical and hard-working professionals.  I made a short note about this in my weekly Financial Grace bulletin and am expanding on what I mean for you today. I have a solution for you to differentiate yourself with immediate added credibility in your marketplace.

I  know from years of experience that when an email arrives with a ‘special, act now’ offer there is a tendency for some people have to get offended.  Many times, even really valuable information ends up in the ‘trash’ because it’s perceived to be the ‘same old, same old’ financial message people have seen before. I am contacting you today as a professional with one of those very special, limited time, limited availability offers. 

I’m reaching out first to financial professionals who follow my work through Financial Grace, then to the world of finance whom God has connected me to in some capacity over the years. Here’s the offer for someone who will benefit from one or all of the following in their business as a coach, consultant, or financial advisor:

  1. A personal online lead ‘magnet’
  2. Exposure from increased personal social media content for blogs, newsletters, facebook, linkedin, etc.
  3. Having you own online course for sale
  4. Your own published book in print and / or ebook format (how does a fully published book by this fall sound?)
  5. A project manager / coach to get you set up and earning money in your business with any of these items for a fraction of the cost and minimal time and effort to produce yourself 

This isn’t a gimmick.  And it’s definitely not hype.  I have thousands of hours of professionally written personal finance articles, tips, books, courses, special reports and presentations available.  I wrote the material; I own the copyright, trademarks and applicable URL’s; I have over 30 years in and around finance and marketing; I have taught licensing courses for financial professionals including the CFP; I have developed materials for financial regulators and produced one of the best-selling continuing education courses for the CGA professional development association for over 5 years running.

My business has been online for years so I have mountains of experience and knowledge in this area as well. And best of all, financial literacy information is generic, timeless, borderless and this content was developed to build a connection between clients and the professionals who serve them. This is not an offer that is available on an ongoing basis for anyone to take advantage of.

If you are curious and think there might be something you and / or your organization can benefit from then we will have a one-on-one conversation about whether the opportunity makes sense for you.  I can be reached at 250-592-0457 (pacific time), or sam@sampiercy.com to arrange a time.  Please don’t send an email asking me to send additional information.  I will discuss the opportunity by phone only.  Thank you.

 

30, 60, or 90-Day Financial Business Breakthrough

In the online information area there is one thing that is consistent with all business:  Relationship between customer and business is a key factor in revenue success.  In an online business, relationship is built with consistent, valuable mostly written communication with clients. This requires ongoing content for emails, blogs, social media, etc.

Producing this information is costly, time-consuming and requires a different skill-set than consulting, coaching and advising
– yet is increasingly more and more necessary for business success today.

Unfortunately, many people have become understandably skeptical of the information they receive online. As a result, we have added regulations to protect against privacy fraud. This is good, but also creates barriers for many honest, ethical and hard-working people to reach and communicate with
their customers. I’m saying all this because I know from years of experience that reading something online, whether its in the form of a post, website, or email, there is a tendency for people to be hesitant, and in terms of email some people even get offended when they receive what they perceive to be an unsolicited sales pitch. I also know that building and maintaining relationships online requires a tremendous amount of ongoing, valuable content.

It’s been a couple years since I have posted anything or sent emails about my inventory of personal financial content – but it’s time for me to take another big step towards my true passion in biblical teaching. In the past, I primarily communicated by email through my business,  MoneyMinding, or through one of the financial industry partners I provided content and training for: Advisor.ca; CGA Professional Development, Investment Executive, Clickbank, Credit Union Professional Development, or some other optin source for personal finance information.  Today, I am reaching out again to offer access and / or purchase of this valuable intellectual property.

The opportunity is extremely limited for a select number of qualified professionals (or perhaps for only one person or organization) who would benefit from one of the following in their business as a coach, consultant, or financial advisor:

  1. A personal online ‘lead magnet’
  2. Exposure from increased personal social media content for blogs, newsletters, facebook, linkedin, etc.
  3. Having you own online course for sale
  4. Your own published book in print and / or ebook format
  5. A project manager / coach to get you set up and earning money in your business with any of these items for a fraction of the cost and minimal time and effort to produce yourself.

This isn’t a gimmick.  And it’s definitely not hype.  There are thousands of hours of professionally written personal finance articles, tips, books, courses, special reports and presentations available.  I wrote the material; I own the copyright, trademarks and applicable URL’s; I have over 30 years in and around finance and marketing; I have the credentials and experience which includes teaching licensing courses for financial professionals including the CFP; I have developed materials for financial regulators and produced one of the best-selling continuing education courses for the CGA professional development association for over 5 years running.  Best of all, financial literacy information is generic, timeless, borderless and this content was developed to build a connection between clients and the professionals who serve them.

This is not an offer that is available on an ongoing basis for anyone to take advantage of (unless you wanted to do that yourself as a business within a business).  If you are curious and think there might be something you and / or your organization can benefit from then we will have a one-on-one conversation about whether the opportunity makes sense for you.  I can be reached at 250-592-0457 (pacific time), or sam@sampiercy.com to arrange a time.  Please don’t send an email asking me to send additional information.  I will discuss the opportunity personally only.  Thank you.

Sam

PS.  The reason it’s a 30, 60, or 90-day turnaround is because the content is ready for rebranding, reprinting and repurposing with minimal input of effort.  This will produce almost immediate results in your business, and provide an opportunity for instant, enhanced credibility which also increases revenue potential! 

Recognizing Something From the Past for it’s Value Today

If you’ve experienced a death of someone close to you or divorce, you’ll appreciate the unique and timely opportunity I’m presenting for some advisors today who can act quickly with what I’m about to share.  I guess it’s like a repurposing of goods from an estate so there are limited quantities of the original pieces.

People who have followed my work for a while know that a few years back I had a catastrophic business failure that also turns out to be the defining moment in my Christian walk.  I had been set up in an attempted securities fraud and while the legal and other professionals on my team at the time were advising me to complete the transaction that clearly had a lot of questions to be answered, the core structure still seemed salvageable.  I had a physical intervention by the Holy Spirit and was prevented from signing the last documents that it turns out could have potentially landed me in jail.  The illegal activity and pre-meditated aspects of the transaction took 14 months to uncover though, and in the meantime, there was a backlash from people who were expecting to receive a significant return on their investment in the project.

The overall process was a death of a lot of dreams, relationships, and work. A physical death or divorce would be the closest comparison so if you’ve experienced any of these life events you know they are painful and take some time to heal.  In the meantime, a death or divorce, or catastrophic failure will always leave behind something of value.

Imagine if you had a basement of antiques after dear relative died.  You know they’re there and they have value, but they also remind you of the loss so they bring up painful memories when you think about them.  As time goes by, the loss begins to heal and your memories can even bring smiles to your face as you remember the good times.  One day, you find yourself having a conversation with someone about the valuables stored in your basement and they ask to see them.  You enter the dark room where these things are stored and dust off some near the front to reveal some attractive colours and unique treasures.  As you continue to show your friend the items, you realize there were some things there you had forgotten about, and even discover that many of the items could be useful and add value to your life today.

Thus, is the situation with the volumes of course, articles, tips, tools and other things I have stored away from the collapse of my business.  Some of you might remember how on a couple of occasions I tried to sell the package of content for repurposing, and instead ended up licensing various components to financial professionals who were able to assimilate the information into their own branding, client service and marketing efforts.  The old business model, combined with some of what was done to package content during this attempted ‘sell-off’, as well as new developments in the industry and world or marketing – as well as my own healing process, are what’s prompting this offer today.

Many people however, don’t know that I have this material that could be available to provide them with a huge advantage in their financial businesses – mostly because I haven’t told them. 

Another area of forgotten value is my years of teaching the financial curriculum for advisors.  I taught the Canadian Securities Course, the Life Insurance Licensing Courses (LLQP) and all the Certified Financial Planning curriculum in addition to writing my own course content.  I had courses delivered at 2 colleges, a credit union, and provided a lot of content for the BC Securities and Canadian Regulatory Bodies.

What I hear over and over again with financial professionals is the impact of increasing regulation on their ability to differentiate themselves in the marketplace and provide valuable content for marketing and client service as their time is under such pressure as a result of industry changes.

I get this!  I really do!  And I have a lot of value to help you in this area!

I have content for websites and social media marketing and client newsletters that is compliance friendly and ready to be used as is, or to easily personalize.

I also have expertise in teaching, consulting, and coaching for wealth creation and marketing.  My business was an online distribution company for financial literacy and in the process of navigating the aftermath of the business collapse, I hadn’t actually stopped to recognize the value of that knowledge for financial professionals, coaches and other information advisors.

Over the next few weeks, I will be working to develop an online infrastructure to make this content and my coaching and consulting services more readily available.  But, I’m offering my current followers a pre-delivery, personal invitation to access this material and my personal support at a reduced rate, and with more value before the opportunity becomes widely available.

If you’re doing any kind of online marketing or information delivery;

If you’re interested in offering any kind of client financial literacy seminars or courses; and

If you’re looking for any financial services marketing coaching, training and consulting, we need to talk asap.

You can email me at sam@sampiercy.com or call me at 250-592-0457 (pacific time) right away and we’ll take it from there!!  I look forward to dusting off these valuable pieces and to sharing them and so much more with you!

Abundant blessings,

Sam

Bumble Bees and Butterfly Nets: A Financial Analogy

bumble bee picThe other day I was speaking with a client when what I thought was a small bird flew into the room. At closer inspection I realized it was the largest bumble bee I’d ever seen in my life. My client and I had been speaking about the new revenue stream she was adding to her business and how it was a little overwhelming when she considered all the details that had to be looked after in order to streamline her operations to make the whole business ‘fly’.

The bee reminded me of a story I’d heard about how bumble bees apparently aren’t supposed to be able to fly. Apparently in the 1930’s a story was circulated stating that according to the accepted theory of the day, bumblebees didn’t generate enough lift to fly. The story goes, that some scientific-type person did some calculations and claimed that it was aerodynamically impossible for bumble bees to fly. Obviously no one bothered to tell this to the bumble bee that has been happily flying around pollinating plants its whole life.

According to one website I looked at to make sure I had my bee facts straight, bees’ wings are abnormally small relative to their bodies and someone had made a faulty analogy between bumble bees and conventional aircraft. If an airplane were built the same way as a bumble bee, it would never get off the ground. But bees aren’t like airplanes, they’re like helicopters. Their wings work on the same principle as helicopter blades… A moving airfoil, whether it’s a helicopter blade or a bee wing, generates a lot more lift than a stationary one. The real challenge with bees wasn’t figuring out the aerodynamics but the mechanics: specifically, how bees can move their wings so fast-roughly 200 beats per second, which is 10 or 20 times the firing rate of the nervous system. The trick apparently is that the bee’s wing muscles don’t expand and contract so much as vibrate, like a rubber band. A nerve impulse comes along and twangs the muscle, much as you might pluck a guitar string, and it vibrates the wing up and down a few times until the next impulse comes along. (http://www.straightdope.com/columns/read/1076/is-it-aerodynamically-impossible-for-bumblebees-to-fly August 12, 2013)

The point to all the bee wing facts is that as I was discussing the financial implications of the new business model with my client, the giant bumble bee flew into our skylight and was buzzing around trying to reach for the sky. Every attempt to fly through to freedom got him no closer to his destination and was in fact just wearing him out. If I left him long enough I’m quite certain I’d have found him on the floor sometime the next day.

He was such an unusually large bee that I decided his mission could use a little help. I put my client on hold and went to retrieve a butterfly net we keep on hand for various household bug catching adventures. With one swoop, I scooped up the bee and let him outside where he could fly to freedom and carry on his worthwhile business of pollinating plants.

The bumble bee story provides a great analogy for financial situations. The first is in how the bumble bee fly’s in the first place: if you look at its physical circumstances many people could easily justify telling the bee that his situation was hopeless; that he should give up on the idea of flying and to be content crawling around the ground like other insects such as ants or spiders. Happily for the bee, it took a different approach and modified its situation so it could carry on with the work it wanted to and was supposed to do.

The second situation of getting stuck in the skylight could have been catastrophic for this bee because he was so focused on the big picture that he forgot a couple critical steps. These steps are also critical financial steps. One is that there might be more ways to reach for the sky, than there first appears. Opportunities of a lifetime come around everyday when you start to become aware of them. And just because you have been successful overcoming obstacles in the past doesn’t mean you’re always going to be better off self-sufficient. Another is that sometimes you can benefit from an outside source to provide you some direction. Too often with finance people are so afraid to share their situation with others that they become self-centered and will continue to beat their head against the ‘skylight’ thinking the next attempt will provide them with their freedom. There is a lot to be said for stopping, waiting, asking, and sharing. I was able to assist the bumble bee because he finally stopped and rested on the wall near the edge of the skylight. I saw his plight, and was happy to help him. Plus, I’m sure he was happy I came along so the situation created a win / win for both of us!

When you’re looking for financial results and finding yourself up against the same closed window all the time, perhaps the best thing is to consider the bumble bee and shift your perspective, slow down and wait for your personal version of the ‘butterfly net’.

What is Application and Why it Matters?

I just purchased a new Life Application Bible and as I read the introductory pages, it occurred to me that the description of “what is application?’ provides valuable and relevant information as it relates to the concepts of the MoneyMinding resources that have been the focus of my work since 1997. It’s still somewhat of a new concept, so bear with me through this 2 part series on what it is and why it’s important.

I am often asked what makes my message through MoneyMinding different than other financial education or from what someone can get from their financial planner. I always tell them that MoneyMinding resources are intended to complement and support your work with other financial professionals. The original concepts for MoneyMinding began while I was still working as an investment advisor. The early materials were actually initially developed when I was teaching the required curriculum for financial advisors. I have always said that a key component to MoneyMinding is the ‘application’ of the information as it relates to making real-life money decisions. Essentially the underlying theme is to help you ask questions to get better results. Or, helping you learn to ‘fish’ rather than doing the ‘fishing’ for you or simply telling you about ‘fishing’.

The reason that understanding what application is, in the realm of personal finance is important is because many adults just don’t realize what they don’t know about money. This isn’t meant to be a ‘jab’; it’s just stating that because formal financial training wasn’t (and still isn’t) part of a school education, we have all gone out into the workforce to learn about money as we went along and made up our own rules along the way. Essentially, leaning about money has been completely ad hoc. This means that when new financial information is received it likely be assumed to be helpful, but the foundation to help assess the overall concept in light of all the circumstances, will still likely be missing. In other words, anything new will likely appear to be good and helpful, but not necessarily so. What many people fail to recognize is that because applying financial information in a piece meal fashion without the underlying foundation, is how errors are made; why opportunities are missed; and how unscrupulous ‘advisors’ are able to prey on innocent victims. New financial information needs to be applied in a way that helps you ask questions so you can adequately assess the information before you make a final decision on investments, credit, insurance, purchases, etc.

This is such a personal matter, that not knowing what you don’t know doesn’t have to be detrimental if you can learn to apply the information in a way that you can understand wha you need to know to then apply all the facts to your own situation. Without the confidence and competence to assess financial information along side your own values, goals and circumstances, it is just far too easy to open the door to inappropriate decisions, or potential sales manipulation that could lead away from what’s most important to you in your life.

Unfortunately, when financial information is delivered alongside the application of that information with the purchase of some sort of product or strategy sale, you end up with an entire industry not respected for its role in navigating the world of personal finance effectively. There is also now an entire industry that has developed to deliver financial information that unfortunately has an ulterior motive of sales. Not that sales is bad, and not that educational seminars are bad, just that for such a life impacting topic as finance, when education and sales are combined and billed as the application of the information being delivered, it can lead to confusion and partial information, and ultimately end up doing more harm than good. The gap in knowledge that most adults are missing and aren’t aware they’re missing becomes most detrimental because the financial information they receive is connected to products and services and particular situations they’re dealing with at time they receive the knowledge, not necessarily because they have the full picture needed to get them the results they’re looking for (or results they didn’t even know were possible).

As an interesting side-note, I’d like to point out that in my career as a financial educator whose only product is information and the application of it for wealth creation and management, I find it interesting how higher net worth people grasp the importance of basic financial knowledge where many middle incoe people seem to think they know what’s best or, that they don’t need additional education. Perhaps this is because the wealthier people have experienced enough of the ‘hit and miss, trial and error’ decisions that they realize there are some underlying gaps in their foundation. A good comparison would be moving to a foreign country and learning how to communicate with the people there. You can live there a long time and be able to read and write and speak with people, but at some point you will realize that there are grammar and other language concepts that will help you communicate in a more effective way.

The gap these higher net worth people discover is the knowledge, understanding and the application of financial math, budget forecasting, creating spreadsheets, investment, insurance and credit fundamentals. With the underlying knowledge applied effectively to your personal circumstances, you are able to manage personal financial decisions in a variety of situations, with a complex overlap of issues much easier. This is why and how the MoneyMinding resources are developed the way they are: to assist with decision making at the time of a transaction. The purpose is to assist in helping you access necessary knowledge in a way that it is understood and can be applied even when you don’t know that there could be addition information to help you get your desired results. This is also how I / we can say that MoneyMinding can help you produce results what you would have previously thought possible.

See part 2 for the description of ‘what is application?’ from the life application bible as it specifically describes the process of application in making successful personal financial decisions.

What do you do when you suspect someone you know might be suffering from financial loss?

The post has been modified and expanded from a conversation I started in the FPA (Financial Planners Association) community with other financial professionals at http://connect.fpanet.org/FPANET/HOME/ because it’s a topic that is is epidemic in proportion, yet silent for the people it plagues…

Financial loss is unfortunately an issue that affects every area of life (like the death or serious illness of a loved on), yet unfortunately is something that most people are afraid to admit. This means that there is very little support for people who have experienced a loss of some kind. It also means that they will do just about anything to heal the pain, change the situation and keep it covered up. Sometimes the only people who will know the secret is their financial advisor, and maybe because that person has had to piece together the story to figure it out on their own. This means that you could discover a secret that your friend, family member, associate, or client is afraid to admit to anyone even people close to them. It also means that you could see them doing things financially that could make the situation worse because they are being lured by the ‘quick fix’.

Perhaps, you’re living this situation yourself.

The reasons for the loss aren’t necessarily as important as the fact that it has occurred. The situation could be caused by pre-meditated fraud, theft, an inappropriate investment that went sour, or job loss, divorce, illness, or accumulated debt. Regardless of the causes, it could very well be that you could be one of the few people who know the real story. What do you do? How can you help?

Or if you’re the person suffering in silence, what do you do?  Where can you get help?

These are huge issues because money has become such a taboo topic in our society.  Talking about it means you become vulnerable to judgement of others.  Yet the reality is that money is as necessary for survival in our culture and as adults we have received no formal money management training and there is very little support for the day-to-day decision making.  Financial planning and other financial services are not there to help with the emotional aspects of money.  Nor are they there to help you earn money to plan with.  That’s the fuel that begins the entire financial process and if that fuel isn’t enough, or has been lost, then what?

It’s a topic that needs some desperate attention.  We will help people recover from financial loss by restoring hope and reviving the ability to create income and financial independence – regardless of the past circumstances and current situation and how much has been lost in the past!

I hope you join me by discovering the causes of a lot of the money stress we have in our society today and how a $10 solution can revive financial independence.  http://www.deathbymoney.com/

Math and Emotion on Rent or Own

I don’t think I would surprise anyone if I shared that a top financial goal for most people is to own their own home.  Imagine my horror at a financial advisor who specializes in insurance, explaining to a group of young families, how over a 5 year period they would be better off financially if they rented.  Emotions are what drives decisions, whether we want to admit it or not.  If you’re going to attempt to dissuade someone to give up on a very strong emotional dream, you better have some pretty strong emotional and logical arguments.   Basic math used to explain the renting vs buying scenario is flawed at best, and fosters the narrow, ill-informed, out-dated opinion of personal finance that is fear based, reinforces lack, uncertainty and definitely not wealth creation or financial satisfaction.  You can’t rationalize away a dream, especially when the numbers just don’t add up.  Find someone who will help you brainstorm options and find solutions to help you realize your goals and dreams in a way that works for the way you want to live your life!

 Read the full article and explanation here.  The question is, “how can you buy the house”, not “should you buy the house”?    The problem we have today is that too many people offer financial advice that continues to promote a dependent, fear-based, scarcity mentality.  We need more financial professionals who understand that their expertise is to fulfill dreams, not kill them.  This is part of the reason behind; www.deathbymoney.com to help people understand the cause of financial stress and to introduce a solution that can be implemented with as little as $10.