Archive for April, 2009

Leo Quinn – Own Your Paycheck Again and Be Debt Free!

Sunday, April 19th, 2009
Doesn’t that sound like a breath of fresh air? Well, that’s the promise of our latest guest, financial teacher, Leo Quinn.

Leo has taught his personal financial system to over 20,000 people over the past 10 years helping them to make better decisions with their money and be debt free. Leo spoke about debt elimination, credit scores and some of the major financial mistakes people make. He was full of information that you definitely want to know and incorporate into your new financial health plan if you are in debt like millions of Americans. Leo’s call was packed with information so I’m just going to hit some of the highlights. The best thing to do is to listen to the call.

1. Leo’s system is mathematical. It works 100% of the time. If you are making payments on your loans and credit cards this plan will ensure that you are debt free within 10 years (and often far less), even if you have a mortgage, providing you do not incur more debt.

2. You don’t have to pinch pennies, go out and get a second job or give up every pleasure like eating out or go to the movies to make this plan work. However, if you choose to trim your expenses or increase your income by creating a business on the side (which is what Leo recommends rather than depriving yourself) this can accelerate the process considerably.

3. Leo’s debt elimination plan works in any country. So this applies to all of our international listeners. ——————————————————

Step 1: Make a realistic and thorough assessment of your debts.

Step 2: Enter data into Leo’s system and use his calculator to calculate how much you have to pay on each debt in order to become Debt Free. It will give you an exact date when you will be Debt Free.

Step 3: Pay off your low interest debts first. This is completely counter to what most financial advisers teach. Leo says: It’s psychology (the way you think) that got you into debt in the first place. Paying off their low interest debts, motivates people. They see themselves making progress and they are encouraged to continue.

Step 4: As your circumstances change (a promotion, an unexpected expense, a windfall) you enter the data and adjust the pay off date to reflect the new information.

Step 5: Make consistent payments, don’t incur new debt and you will inevitably reach your debt free goal.
———————————————————

4. Credit Scores, Credit Reports, Bankruptcy and how to repair your credit : Leo gave a ton of information about your credit score, the site for a free credit report, how to find out your credit score and how to improve it and debt forgiveness scams to watch out for.

5. Leo told a story of a woman who was in debt, had a mortgage and was on a fixed income and disabled. She was in despair about ever getting out of debt. She took his program and within a few years is almost debt free.

For those of you who are in debt, especially, I have this to say to you, from Leo Quinn: There is HOPE and a way out and Leo can show you the way, step by step.

Leo Quinn’s Special Offer

Leo talked about his Debt Elimination Program on our show based on a mathematical formula guaranteed to work 100% of the
time if you work it. If you are in debt, with a mortgage and
credit cards, and are committed to financial freedom, this is an
offer you want to take advantage of. Leo is offering this
VALUABLE
program, only for listeners of our program,
at an extra special discountthru next Thursday, April 24th. To take advantage of this and read more about his  program, go to http://budurl.com/leoq

If you missed this amazing call, you can hear it live over the next 24 hours by clicking here http://budurl.com/freereplay

If you’d like to purchase the entire series at a great price, so you can listen to these valuable speakers at your convenience and be able to replay them and catch the nuances and life-changing ideas that are so easy to miss at a first pass- http://budurl.com/financial

SPEAKER SCHEDULE: You can find a list of our upcoming speakers and view their topics here: http://budurl.com/presenters UP

NEXT:  Spencer Sherman on Monday, April 20thSpencer Sherman was named one of the top 100 Wealth Advisors in the United States by Worth Magazine in 2005 thru 2007. He is the author of the much talked about book The Cure for Money Madness: Break Your Bad Money Habits, Live Without Financial Stress – and MakeMore Money and and he will be with us live on Monday night to talk about this and more. Mark your calendar. HIS

TOPIC: “Your Mattress IsNot Your Bank: Don’t Sleep through the Recession, Invest!”

Beat the IRS and Save Big Bucks

Friday, April 10th, 2009

With April 15th just around the corner, we had the perfect guest last night.
Who knew that talking about taxes could be this lively?  Meet Roni Deutch – “The Tax Lady” who beats the IRS at their own game, and tells it like it is!

This is one amazing lady and, boy, is she passionate about her work!  A successful attorney and entrepreneur, she’s spent over 18 years fighting the IRS and she’s built a multi-million dollar company doing it.  She’s even giving H.R. Block a run for their money. She started a franchise operation in 2006 and it’s one of the fastest growing franchises in the country.

With April 15th just around the corner, we had the perfect guest last night.
Who knew that talking about taxes could be this lively?  Meet Roni Deutch – “The Tax Lady” who beats the IRS at their own game, and tells it like it is!

This is one amazing lady and, boy, is she passionate about her work!  A successful attorney and entrepreneur, she’s spent over 18 years fighting the IRS and she’s built a multi-million dollar company doing it.  She’s even giving H.R. Block a run for their money. She started a franchise operation in 2006 and it’s one of the fastest growing franchises in the country.

Most of us don’t like paying taxes and are afraid of the IRS – and with good reason.  If you owe the IRS money, they WILL keep coming after you and take whatever they can.

Roni’s main message was to stop hiding in the closet and face the bogeyman. Education is empowerment. Get some basic knowledge about taxation, learn your rights and discover how to protect yourself.  To the caller who talked about “Voluntary Compliance” and believed we don’t have to pay taxes, her response was simple. “Remember Wesley Snipes – He’s in jail.” The IRS is not going away, you will always have to pay taxes, get used to it, become well-informed so you don’t end up a victim.

She was full of valuable information:

1. Always File your Taxes. File by April 15th or file for an extension.  If you aren’t ready, don’t file. Yes you pay some interest but it’s better than forgetting an important deduction or failing to declare income.

2. Fund your IRA to the Max.  Did you know that the average taxpayer overpays on their taxes by $2000? Don’t use the IRS as your savings bank. You don’t earn interest on that money. Create a new plan for yourself. Claim more dependents on your payroll check, put more away or keep more in your pocket.

3. Take Care of your Tax Bill. If you owe money to the IRS, don’t stick your head in the sand.  The IRS is relentless. They WILL levy your account. If you are a W-2 employee, they will garnish your wages. As an independent contractor, they do what is called a BULK levy. BE PROACTIVE when it comes to the IRS.

4. There is Relief if you Owe Taxes and Can’t Afford to Pay the IRS.
You have three options:

a. Installment Agreements
b. Currently Not Collectible
c. Offer in Compromise

These options are for the taxpayer who can substantiate their claim that they don’t have the money to pay the IRS and wants to work out an agreement.

5. Expect more audits in 2009! The IRS is just like you.  In this recessionary economy, they need more money!  The IRS has announced that they are going to audit small business owners in unprecedented rates this year. Be prepared!

Things that can trigger an audit:

a. Living in Los Angeles (sad but true).
b. Large stated incomes on your return. The IRS then assumes you’re overstating
your deductions.
c. Not reporting W-2 or 1099 income. The government gets these reports from
the companies that employed you.  If you don’t declare the income, THEY
KNOW.
d. Excessive meals & entertainment and automobile deductions.

How to avoid an audit:

a. Keep good records
b. Put money away in IRA’s or Retirement Accounts
c. Take full advantage of legitimate deductions

And that is only some of what she covered on the call. Other topics included levies, IRA’s, Obama’s Stimulus package and how it affects your taxes, record-keeping and much more.

The hour was packed with information that you can find in her book and by listening to the call.  If you missed this amazing call, you can still hear it live over the next 24 hours by clicking here
http://budurl.com/freereplay

I highly recommend you purchase Roni’s book, the Tax Lady’s Guide to Beating the IRS and Saving Big Bucks on your Taxes.  It’s easy to read, funny and accessible. She breaks everything down in layman’s terms so that the average tax payer can understand the basics of taxation, how the IRA operates, what their rights are and how to protect themselves. Be sure you empower yourself this year. Purchase a copy of Roni’s book

We have sixteen amazing speakers coming up in the next eight weeks including bestselling authors, financial and wealth creation experts such as Joe Vitale, Spencer Sherman and Chellie Campbell. Sign up NOW for our Fre*e teleseminar series: http://budurl.com/freedom2 and receive all the information and reminder emails PLUS the great fre’e bonuses.

You can also purchase the entire series at a great price, so you can listen to these valuable speakers at your convenience and be able to replay them and catch the nuances and life-changing ideas that are so easy to miss at a first pass- Just go to http://budurl.com/financial

For more information about Roni’s company’s services and the Roni Deutch Centers Go to: http://www.ronideutch.com/ Or, learn about her franchise program here: http://www.rdtcfranchise.com/

Up Next: Karen Curry on Monday April 13th 5:00PM Pacific

Single mom of four children and $80,000 in credit card debt to recipient of Rich Chicks award in 2007 – Voted the Year’s Most Innovative Businesswoman, Karen Curry and her Prosperity Revolution program is a wake-up call if you are sleep-walking through this time of  opportunity. Call in to listen to Karen Curry live on Monday April 13 at 5:00PM Pacific, 6 PM Mountain, 7 PM Central, 8 PM Eastern. One hour long.

And remember, Expect a Miracle,

Adoley

Recession Fear Buster: Focus on Solutions, not Problems

Tuesday, April 7th, 2009
Are you tired of the steady diet of bad news on the TV and newspapers?

Turn off the TV and read the paper selectively!

Did you know you have over 5000 thoughts a day and that 85% of them are negative? In a time of crisis, you don’t need any more negative thinking. It saps your energy and destroys your ability to think creatively and find solutions.

I’m not suggesting you stick your head in the sand but that you are conscious of your thoughts and YOU CHOOSE where you direct them. There are creative opportunities and solutions all around us. Even in this”recession/depression”.
Did you know that in the Great Depression more millionaires were made than at any time in history? Where others saw loss and lack, these clear thinkers saw and seized opportunities.   I heard a great example of this resourceful mindset recently.

“Tina” lived in an area of Los Angeles that was hard hit by the economic downturn. House prices were down by 50%.  She’d lost her job. They were behind on their mortgage and struggling to pay their bills on her husband’s income.  The wives in the neighborhood would gather and complain about all the foreclosures and the overgrown yards that were bringing down their house values.   Tina tired of the problem and started looking for a solution. She began to think creatively and came up with an idea.  She printed flyers and took them to local realtors offering “her company” to provide maintenance of the yards of these properties. She hired two local gardeners who had been laid off who were thrilled to get the work. She collected and resold all the “junk” that people had left in the homes on Craigs List and EBay. By the end of her first month, Tina had created a new business that netted over $5,000 in income – more than her husband’s monthly paycheck!

Whatever crisis you might be experiencing in your life right now:

1. Believe that there is a solution or way out
2. Trust in your creativity
3. Focus on the solution: “How can I do X?”  instead of ”Why is this happening to me?
4. The Law of Attraction will then go to work on your behalf and lead you to the solution.

As my mentor and minister, Michael Beckwith (The Secret) says: “A good crisis is a terrible thing to waste!

Mary Manin Morrissey: A crisis is your call to grow, change and evolve

Tuesday, April 7th, 2009
Mary Manin Morrissey, teacher, author, counselor and minister joined us last night for the first show of our teleseminar series Hidden In Plain Sight: Secrets of Lasting Financial Health.

This was one of those shows that takes you deep, challenging you to discover a deeper part of yourself that has the power to respond and shape your life regardless of conditions and circumstances. In addressing the current financial climate and the steady drumbeat in the media about financial gloom as tv shows and papers focus on growing unemployment statistics, foreclosures and other economic markers:

1.   Mary didn’t deny that challenging conditions exist in our lives (foreclosure, unemployment, lack of money) but called on us to deny the power of the condition to control our lives.

2.   Regarding the news media and the daily drumbeat of statistics about unemployment, foreclosure etc.  She reminded us that statistics are made up of a GROUP. However, we are INDIVIDUALS.  As individuals, each of us has the power to choose where we focus our attention.

3.  To the “unemployed” caller who was out of work, she reminded her that she was in fact, not unemployed but “self-employed.” Mary counseled her to change the perceptions she had of herself and start imagining her new perfect place of employment.

4.  To the caller who questioned Mary’s recommendation ”not to waste a good crisis”, she gave us a definition of crisis as an evolutionary impulse that calls on us to grow, change and evolve.

5.  Mary encouraged us to view the crisis we might be experiencing as a time of reconfiguration, forcing us to get in touch with the life force that comes from within, rather than clinging to the forms that our lives have taken.

This inspiring call with Mary set the tone for our 9 week series, reminding us that crisis can be a wake up call to our bigger and better selves. She is a living example of this and we felt really lucky to have share her extraordinary story.

If you missed this amazing call, you can hear it live for fre*e over the next 24 hours by clicking here http://budurl.com/freereplay.

You can sign up for this fre*e teleseminar series at www.healthierlivingwithadoley.com/teleregistration.html and listen to 18 amazing speakers, teachers and financial experts like Joe Vitale, Chellie Campbell, Mary Morrissey, Marie Diamond, Spencer Sherman and Roni Deutch offer you resources, fresh perspectives and tools to break out of recessionary fears and create lasting financial health.