THIS IS HOW CABLE CAN BE LITERALLY COSTING YOU A FORTUNE..

About an hour after I arrived at my mom’s house for Christmas she came out of her room upset because they cable company had snuck in some hidden fees that added over $100 to her monthly bill.  

The week before I had to call my cable company because I noticed that my bill went from around $100 to over $200 since I initially set up the service.  In addition, I came across the story of Jeremy Zielinski, who sued Time Warner Cable because he received a monthly bill of $94.45 bill for his $34.99/month service.

For years, you may have noticed small premiums on your own monthly cable bills.  And if you signed up for a low-cost introductory offer you might have failed to notice your bill typically doubles after the introductory period is over.  

While introductory cable offers are around $50/month, NPD Group estimates the average customer will pay $123/month.  

The key is to call your cable company every year to get your bill reduced to the introductory rate.  If they give you a hard time let them know you will be discontinuing your service.  

If you don’t do that this is how much it could be costing you.  Sticking with the averages, if your monthly bill was $50/ month and it goes to $123/month that is an additional $73.  If you invested the $73 each month for just twenty years, at 12% return, you would have $79, 142.

I hope those tv shows are worth it.  

God bless you on your financial journey.

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RAGS TO RICHEST SPOTLIGHT: BIDDY MASON

Born a slave in Mississippi, Bridget “Biddy” Mason became one of the wealthiest black women in the United States after the Civil War. As a child in slavery, Mason was stripped from her family and sold several times throughout Georgia, Mississippi, and South Carolina. As a slave, it was forbidden for Mason to learn how to read, however, she acquired skills in the field of medicine.  These skills made her valuable on the plantation because she helped deliver children, including those of the master, who were born there. Mason’s slave owner took her along when he decided to move to Utah, a good location to practice his Mormon faith, and when he eventually decided to travel down to San Bernardino, California in order to establish a new settlement.

Anti-slave sentiment was strong in California and surged when California drafted a constitution forbidding slavery.  Mason’s slave master decided to move to Texas, where slavery was still legal, but before he could leave, a Los Angeles Court District Judge granted a petition that set the slaves free.  A successful business man named Robert Owens invited Mason and her children to live with him in Los Angeles.  Mason started her career as a nurse and midwife.  Her reputation grew as she became well known for her herbal remedies. 

Mason was able to earn $2.50 a day, good pay for an African American woman at the time.  Oftentimes, she helped those who were unable to pay.  10 years later, in 1866,  she managed to save $250 and was able to buy two lots of land.  Mason used the land for gardening and built houses that she rented out for additional income.  Almost 20 years later, Mason sold part of her land for $1,500 and built a commercial building on another part.  A few years later, the main financial district was one block from Mason’s property which greatly increased the property’s value.  By the late 1800s, Mason became the wealthiest woman in Los Angeles. 

Mason acquired enough wealth to donate money and land to schools, day care centers, grocery stores, and churches.  She regularly visited jail inmates.  She worked with her son-in-law to form the Los Angeles branch of First American Methodist Episcopal Church. One of Mason’s family members quoted her as saying, “If you hold your hand closed, nothing good can come in.  The open hand is blessed,  for it gives in abundance, even as it receives.”

IF NOT NOW, WHEN?

I was scrolling through the channels one night and I saw a helicopter attempting to lift a woman from her couch.  Turns out the lady weighed almost 500 lbs.  She'd been sitting on the couch for so long her skin started to stick to the fabric.

My first reaction was most likely the same one you're having…why would she let this happen.  Then I started to think of all the people that are living in debt or struggling month to month. Couldn't they be asked the same question?  Why would they let this happen?

You see, this lady didn't wake up one day and find herself obese stuck to a couch.  This lady's predicament was a culmination of several years of poor decisions.  It's typically not one dramatic moment that causes someone to be unhappy with a certain aspect of their lives.  Usually, there is a series of small mistakes or minor bad habits that cause them to wake up one day and ask themselves how did I get here.  

With regard to our finances, most of us are born the same…no debt and no income.  From there people make decisions every day that will determine where they end up.  One of my favorite quotes is,

"IF YOU'RE BORN POOR IT'S NOT YOUR FAULT, BUT IF YOU DIE POOR IT IS."  

Although you can't change your financial past, you can change your financial future.  Don't miss out on your opportunity to make a change.  There are only a few days left to secure your spot with my Wealth Road Map service.  Click the button below to learn more.

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The Dreaded 40 40 40 Plan Work Like a SLAVE Play the Lottery or Start A Home Business...

40-40-40 PLAN. WHY MOST PEOPLE WILL RETIRE BROKE - FINANCIAL SEEDS

March 11, 2015

Growing up I saw that my family seemed to struggle even though they were working overtime or had multiple jobs.  They would wake up early, go to work and get off late only to find themselves barely making ends meet.  Their kids would have to miss out on birthdays or seeing their parents at graduations all because the parent couldn't afford to take time off of work.

On the other hand, when I was about 10 years old I met a mentor who owned his own business.  He would go into his office for a few hours most days.  He would spend a lot of his time traveling with his wife on nice vacations.  He owned several properties and seemed to be living the life that most people could only dream of although he wasn't working nearly as much as the adults I was around while growing up.  I was taught the reason some of my family failed to achieve financial freedom was because they were on the 40-40-40 plan.

THE 40-40-40 PLAN MEANS...

They work 40 hours a week for 40 years only to retire and struggle on 40% of their income because they failed to save and invest.

40 HOURS A WEEK

While getting a job is a great place to start, it should not be your only income stream.  Most people lean on the false sense of security a job offers but in turn their earning potential is controlled by someone else, their schedule is determined by someone else, and the 40+ hours spent working for someone else can result in having to sacrifice the things they really love.

God never intended for us to rely on only one source for survival.  In Genesis 2:10 - 14 the Bible notes that there were 4 rivers in the Garden of Eden which means Adam and Eve had multiple streams to rely on, not just one.  People can earn income any of the following ways: wages, profits, capital gains, and dividends.  Make sure you're not relying on only one.

40 YEARS

Most people work 40+ years because they have no choice.  Often times they forced to work jobs they hate because they live paycheck to paycheck.  Don't let a job you hate become your master because you have become a slave to a paycheck.  Make sure during your working life you are acquiring assets so that later in life you are only working because you love what you do and not because you need the money to survive.

40 % OF THEIR INCOME

The reason most people end up having to live on 40% or less of their income at retirement is because they spend all of their working life giving their money away and then rely on social security and disability to support themselves.  Most people spend their whole life working just to give away all the money they've earned to taxes, debt, inflation, and buying depreciating assets when in reality, all of these charges can be drastically decreased or avoided altogether.

Proverbs 21:20 informs us that only a foolish man devours all he has.  Unfortunately, this is exactly what most people do. 

I encourage anyone to get on the wealth plan and to leave the 40-40-40 plan in the dust.  Life is much too short and God is much to great for you to spend your whole life struggling to survive.

Give me your thoughts below on the 40-40-40 plan.

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