Financial Seminars by Dr. Raymond Jewell

Money Talks|Financial Advice

Who Is Giving You Financial Advice?

So many times people get financial advice from the wrong people. Look at it this way, when you get financial advice from anyone in the financial field who is more concerned with selling financial products then you might be getting your financial planning from the wrong source. If you were building a house would you go to the lumber yard and have them design your home or would you go to an architect or engineer?

The lumber yard sells the products to build the home but you would not want them to design the house. This happens in finance, people use the vendors that represent the products to design their plans. This is why many fail financially! Without understanding the engineering concepts and strategies behind your planning you will always come up short.

You can’t use financial calculators, spreadsheets, or ledgers to get a good picture of what is in store financially. No where will any of the procedures mentioned earlier show you a dynamic, intuitive view of your financial world. Always use someone who understands economic principals and has the skills to simulate your financial future before it happens. You will want to see it before you do it. Our Personal Economic Coach process will guide you through a simulation process that enables you to see your financial world and what it will look like before it occurs. Then you can fix the problems and know that you will be doing the right things in your financial future.

If you want to learn more about this call us at 1-800-727-2353 and ask for April Elias. She will schedule you for a no obligation consultation where you can learn about this program. Also go to www.MoneyTeleSeminars.com and learn about our Wealth Recovery Tele Seminars.

Thanks for reading,

Dr. Raymond Jewell, Economic Advisor

www.FinancialFreedomRadio.info
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Dr. Raymond Jewell-Senior Economist
Money Talks
Financial Freedom Radio

Money Talks|Debt

Money Talks

1. Americans are loaded with credit-card debt.

The average American household with at least one credit card has nearly $10,700 in credit-card debt, according to CardWeb.com, and the average interest rate runs in the mid- to high teens at any given time.

2. Some debt is good.

Borrowing for a home or college usually makes good sense. Just make sure you don’t borrow more than you can afford to pay back, and shop around for the best rates.

3. Some debt is bad.

Don’t use a credit card to pay for things you consume quickly, such as meals and vacations, if you can’t afford to pay off your monthly bill in full in a month or two. There’s no faster way to fall into debt. Instead, put aside some cash each month for these items so you can pay the bill in full. If there’s something you really want, but it’s expensive, save for it over a period of weeks or months before charging it so that you can pay the balance when it’s due and avoid interest charges.

4. Get a handle on your spending.

Most people spend thousands of dollars without much thought to what they’re buying. Write down everything you spend for a month, cut back on things you don’t need, and start saving the money left over or use it to reduce your debt more quickly.

5. Pay off your highest-rate debts first.

The key to getting out of debt efficiently is first to pay down the balances of loans or credit cards that charge the most interest while paying at least the minimum due on all your other debt. Once the high-interest debt is paid down, tackle the next highest, and so on.

6. Don’t fall into the minimum trap.

If you just pay the minimum due on credit-card bills, you’ll barely cover the interest you owe, to say nothing of the principal. It will take you years to pay off your balance, and potentially you’ll end up spending thousands of dollars more than the original amount you charged.

7. Watch where you borrow.

It may be convenient to borrow against your home or your 401(k) to pay off debt, but it can be dangerous. You could lose your home or fall short of your investing goals at retirement.

8. Expect the unexpected.

Build a cash cushion worth three months to six months of living expenses in case of an emergency. If you don’t have an emergency fund, a broken furnace or damaged car can seriously upset your finances.

9. Don’t be so quick to pay down your mortgage.

Don’t pour all your cash into paying off a mortgage if you have other debt. Mortgages tend to have lower interest rates than other debt, and you may deduct the interest you pay on the first $1 million of a mortgage loan. (If your mortgage has a high rate and you want to lower your monthly payments, consider refinancing.)

10. Get help as soon as you need it.

If you have more debt than you can manage, get help before your debt breaks your back. There are reputable debt counseling agencies that may be able to consolidate your debt and assist you in better managing your finances. But there are also a lot of disreputable agencies out there.

Money Talks, the program designed by Dr. Raymond Jewell, can help you to curb your debt problem. It will not be an easy, nor quick solution, but the benefits that you derive from signing up for the free information found on the sites listed below, will have far ranging effects on your long term growth and stability.
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Dr. Raymond Jewell-Senior Economist
Money Talks
Financial Freedom Radio

Money Talks is the financial program designed by Dr. Raymond Jewell, the noted business economist, that will empower anyone listening, with the ability to choose their own financial destiny by utilizing proven business and financial techniques taught.  Money Talks is for everyone interested in becoming more financially stable in this ever changing economy.  Money Talks is free to join, and the website listed is home for many Money Talks newsletters, financial resources, and of course many recordings in audio and video format.

Dr. Jewell has commited his time and energy into bringing to the readers of Google, the very finest information concerning wealth recovery and wealth creation.  His thirty plus years of being one of the highest regarded business economist, has assisted many high profile clients in saving money from his proven business models.  Money Talks is a hard hitting and no nonsense program that is staged to attract over 1 million participants in the next few years.

Money Talks has far ranging help, particularly in the current economy.  It is Dr. Jewell’s goal in life, to help people better understand how they are losing money with the financial institutions, and how to stop that from happening to them.  People who have attended the Money Teleseminars Session, come away with increased knowledge and insight that will help them in solving most of their money concerns in the upcoming years.

To sign in to Money Talks, simply go to:  http://www.moneyteleseminars.com Be sure to take time to learn and take advantage of all the free money information provided in this comprehensive site.  You will be learning from one of the best in the financial world, financial information that empowers you to achieve more.