How To Reverse Fees, Lower Interest Rates, and Keep More Of Your Money

How To Create Your Timeline To Financial Freedom

If you are interested in learning more about how I quit my job in Dec of 2016 and now do what I love for a living, then CLICK HERE, enter your name and best contact e-mail, and watch the free video!

Examples of How To Keep Your Money & Pay Less Taxes – from Tax-Free Wealth by Tom Wheelwright

In this video training we discuss Examples of How To Keep Your Money & Pay Less Taxes – from Tax-Free Wealth by Tom Wheelwright.

How much did you pay in taxes in 2016?

Can you guess how much my friend worth $24 Million Dollars paid?

I recently hosted a private training with a local real estate investor/developer on June 7, 2017, and the shocking truth of his tax bill was revealed…

In 2016 he paid in taxes only $5,000!!!!!!!!!!!!!!!

How did he do it?

How is it he pays less in taxes than most people working pay check to pay check, and he is a multi millionaire?

The key to wealth is in the details…the tax details!

BUT how can a working class person learn to understand taxes like the ultra rich?

Well, that’s why I’m here, to make the secrets easy to understand for everyday people, just like you and me.

Watch this video training and be ready to finally understand how to use the tax laws to create more money in your pocket.

11 Key Steps to Finance Your FREEDOM

Would you like 11 key steps to get you on the path to financing your freedom?

I’m talking about time freedom, the freedom to choose your lifestyle, the freedom to work on your own projects, take a day to meditate and work out, go to matinees with your spouse…whatever you want.

Do you want real freedom in your life, so that you have time time to really explore what you were meant to achieve, bring forth and accomplish on this planet?

That’s what today’s video training is all about, the 11 Key Steps to Finance Your FREEDOM.

Freedom is a lot closer than you think!

P.S. I left my bank job on Dec 23, 2017 and have since been helping become financially free faster, CLICK HERE to see how I can help you spend more time with your families, and doing what you love!

How Much Would You Save in Taxes if You Made Less Money

…the other day I asked my accountant “How Much Would I Save in Taxes if I Made Less Money”?

…specifically, I had her show me the difference in the taxes our family would pay now and if I wasn’t working my job…

…my husband and I both work jobs now…

…and not surprisingly, we would drop a tax bracket, and we would pay $7,000 less in taxes if I hadn’t worked last year…

How Much Money Are You Really Making At A Job?

The reason I asked my accountant this question is because my husband makes a lot more money in his job than I do…

…so, it may be more cost effective if I didn’t work a job and concentrated more on my business, on investing our money for dividends and my family…

…Why would that be the case?

Read on to find out more…

Business Income vs. Employment Income

…so one of my options, instead of working a job, would be to spend more time on my business…

…since our business income increases when we make more sales, we can make more money in our business than in a job…

…for example, in my job, I make $2/sale…

…however, in my business, I can make up to $2,000+ per sale…

…in addition, business income is not taxable in the same way as salary or job income…

…business income is taxed only after business expenses are deducted…

…business expenses include the space where you do business, and if your business is from home, then it would be the portion of your home that is dedicated to your business, your wage from your business…

…it would also include any phone or internet service charges…

For a detailed list of business expense deductions CLICK HERE

…so it’s probably becoming clear that there are tax advantages to making money in a business…

…in addition to these advantages, I enjoy running my business…

…and I enjoy learning internet marketing, blogging and researching financial freedom…

…if you have a talent or interest in a particular niche, you can also start an internet blogging business, with very little upfront cost, CLICK HERE to learn more…

…I know other friends who have businesses, like baking wedding cakes, making leaf pressed stationary, personal training, writing books…

…whatever your business, you can improve it, leverage it, and increase income and make it more successful…

Dividend Income vs. Employment Income

…another option for me, instead of spending time at my job, would be to spend more time researching dividend paying stocks…

…first reason to spend time increasing dividends is because it’s fun, and I really enjoy growing our personal income through investing…

…second reason I like spending time increasing our dividend income: because it’s income that is not dependent on my job, and to me it’s more stable than job income…

…if you do it right…

…also, dividend income may not be taxed the same as employment income, depending on the type of dividend and also on your tax bracket, according to a Wells Fargo article for 2016:

“For tax purposes, dividends are considered either “qualified” or “nonqualified.” Qualified dividends are:

Tax-free for those in the 10% and 15% brackets to the extent qualified dividend income remains within those brackets
Taxed at a 15% rate for those in the 25% up to 35% tax brackets
Taxed at a 20% rate for higher income taxpayers whose income surpasses the 35% tax bracket
Nonqualified dividends are taxed at the same rates as ordinary income (currently a 39.6% maximum).”

So in determining if you should work less, take into account if you are growing your dividend income…

Time With Family vs. Employment Income

Let’s pretend you are on your deathbed, and you are thinking back on the most important moments of your life…

…most people will think back to happy times with their family…

…when their son or daughter first said “Daddy” or “Mommy”…

…or their first softball game…

…or their wedding day…

…these precious moments when we are spending quality time with our parents, siblings, children…

…these are the most cherished moments of our lives…

…and yet many people spend time away from their families doing unmemorable things at their jobs…

…some people don’t even know their own children because they are so caught up in their work life, that they are hardly ever home…

…it may be the case that the money that I’m making at my job is not worth the time away from my family…

…I’ve met plenty of people who couldn’t bear sending their kids to be raised by strangers, and left their jobs to raise their own children…

…some are internet entrepreneurs, some are spouses who have enough money with the other spouse working…

…so another option for me is to quit so that I can spend more time with my son, with my Mom and husband, and building a happy and healthy family…

Conclusion

I believe that anyone can become financially free, and it doesn’t matter what your profession is or your educational background…

…all that matters is that you decide you want it and you follow the steps to attain it (CLICK HERE FOR THE STEPS TO FOLLOW)…

…share this article with a friend and spread financial freedom throughout the world =)

 

7 Most Common Mistakes People Make With Their Money Before They Die

Today’s post is on the 7 Most Common Mistakes People Make With Their Money Before They Die

Do you know where your money goes when you die?

That’s a question that all the wealthy people I know have thought of a great deal…

…if you want to be financially free then you need to think about this question…

…where is your money?

…where will it go if you were to die today?

An Unplanned Death

…if you died today and had done nothing about your money and things…

Let’s be honest and think about what would really happen…

…your family and loved ones would be sad and mourn your death…

…they would have to plan the funeral, clean up your things from your work or in your home…

…they would have to plan for the funeral…

… then they would have to pay for your funeral…

…and as they cleaned out your stuff they would figure out what you have left behind…

…maybe it’s debts, and later on debt collectors start calling…

…maybe it’s your house, car, or jewelry…

…maybe you have stocks or investments…

…a savings or checking account…

…if your spouse is not joint on these accounts, then they will have to get access to the money by going to the bank with your death certificate…

…if it is a lot of money, they will have to go through the court and a legal process called probate…

…and they will have to pay the legal fees to do that…

…and at the end of the year, they will have to pay taxes on anything you left behind (about 40%!!!)…

…that includes all of your investments, money, jewelry, valuables…

…and if there’s a fight over what you have and who should have it, then all chaos breaks loose…

Mistake #1 – You Do Not Have a Will or a Trust

…if you have a will or a trust, now your loved ones know what you wanted to do with your things…

…they will know if you wanted to give money to your spouse, children, or grandchildren, or a charity…

…they will also know how you want to be buried, if you want to be cremated…

…and, they will know any other parting thoughts that you wanted to tell them…

…if you have a lot of money and would be taxed at the higher estate tax, then you probably know all of this already and have a trust…

…a trust allows you to keep your money and property in a business entity called a trust…

…the trust states who will be the trustee of your trust, and also what the trustee will do with the items in your trust…

…usually you are the trustee of your own trust until you die…

…after your death, the successor trustees take control of the trust by providing proof of your death or incapacity…

…with a trust, your successor trustee doesn’t have to go to court to follow your wishes…

…they just need to prove your death and accept the appointment of trustee…

Mistake #2 – You Didn’t Update Your Beneficiaries on Your Retirement Plan

One of the most tragic mistakes that I have witnessed was when a co-worker of mine at a bank passed away and didn’t update the beneficiaries to their 401K!

…you would think a banker would know better!

…so their 401K did not go to their current spouse, it went to their ex-wife…

…have you updated the beneficiaries on your IRA, 401K or other retirement plans?

Mistake #3 – You Didn’t Update Your Beneficiaries on Your Life Insurance

…this is the same mistake as I just mentioned…usually if you didn’t update your retirement plan, you also didn’t update your life insurance…

…what if your life insurance goes to your ex-wife, or to your mother or sister, instead of to your wife or husband?

…do you know who your beneficiaries are on your insurance plans?

Mistake #4 – You Didn’t Let Your Relatives Know About Your Safe Deposit Box And Bank Accounts

If you have a Safe Deposit Box with valuable documents in it, such as your will or trust, then you need to let your relatives know that you have it, so they can find it!

If you don’t, and no one comes to claim it, eventually the bank has to drill it open and give the contents to the State…

The same happens to your bank accounts…if your relatives don’t know you have accounts at a certain bank, then they will not go to claim it when you die…

…so the bank will eventually close it down due to inactivity and again, it will go to the state…

You need to let your loved ones know where your money and valuables are!

Mistake #5 – You Don’t Have Any Life Insurance

This is a common mistake that can completely change the future of your spouse and children…

…I’ve seen kids have to leave their private schools because the family can no longer afford to go there…

…they have to sell their house, because they cannot afford the mortgage to live there…

…a spouse that was a full time homemaker now has to work or apply for welfare…

…it’s important to protect your family, and it doesn’t matter if you are the main bread winner or the homemaker…

…because a homemaker also provides over $100K a year worth in services such as cooking, house cleaning, driving the kids to school and sports, shopping that you will probably have to hire other people to help you do…

…or you will have to sacrifice a clean house, after school activities…etc.

If you have a family, you need to have life insurance…

Mistake #6 – You Left Behind Debts That Your Family Has To Pay

…I remember when I was in my graduate program at National Chung Cheng University in Taiwan, and one of the undergraduates in my Kung Fu club had to drop out of College when their father died…

…he was really good at Kung Fu and enjoying his classes at the time and it was a big disappointment for us to see him go…

…he left because when his father passed away, they found out that he had left large debts that had to be paid to various creditors…

…so he had to go home and work to support the family and pay off their father’s debts…

…I have also have a friend here in Hawaii who had to apply for bankruptcy because of a large debt that her ex-husband had…

…she didn’t find out about it until after the divorce and the creditors started chasing her for the money…

…if you have a lot of debt, then it’s important you get life insurance to cover the debts in case you pass away…

…otherwise your family is going to have to pay…

Mistake #7 – A Large Portion of Your Money Goes To The Government In Estate Taxes

…if you had no plan, or even just a will and no trust, and you had a house that was valued over $250,000.00, or monies and valuables worth more than the limit for estate taxes…

Then your decendents have to pay a 40% estate tax…

…that’s a lot of tax!

…so you will then force your decendents to sell your house just to pay taxes…

…and that doesn’t even include the legal fees they will need to pay in the whole court process (which is called probate)…

Conclusion

…when you die, are you going to create a burden for those that you love or are you going to be a help?

…if you do your estate planning, and execute a will or a trust, it will be more likely that when you die, your loved ones will know what to do with your money and your possessions…

…in the end, your family will be better off, happier and at peace…

…and if you have made a large fortune, then the community and the world will also be of benefit…

…as long as you have the right plan in place…

P.S.

I blog about money and financial freedom because I believe everyone can be financially free…

…I believe the world would be a better place with people who enjoy more time with their family, and spend less time working for money…

…and I believe when we have that freedom to do the work that we love, the world will get more value and we will live better quality lives…

…do you have something that you would love to teach others?

…are you highly skilled in some area of your life?

…then consider teaching others your talents and leaving a legacy on the internet…

…and make money doing it at the same time!

CLICK HERE, enter your best e-mail, and watch the free video to get started!

 

The Top 7 Ideas That Will Make You Money

Do you believe that ideas that will make you money?

Tell me the truth…

Do you think 7 specific ideas will make you money?

…doesn’t everything come from ideas?

…didn’t your job, or your current business which generates you money come from an idea in your head first?

…read on for these extremely valuable top 7 ideas that will make you money…

The Top 7 Ideas That Will Make You Money

1) I Can Make Money And Also Live A Fulfilling Life

…many people think that making a lot of money means that they have to hold multiple jobs and work, work, work all the time…

…maybe they feel like the higher paying jobs are not what they want to do…

…so they think that if they want to live a life where they are fulfilled by their family, or by the quality of what they do, then they have to give up on making money…

…this is a myth, and you can lead a fulfilling life that is meaningful to you AND make a lot of money too…

2) I Can Have Both Love and Money

…there is a common misconception of choosing between love and money…

…like one of those movies where the woman has 2 men who want to marry her…

…and one is handsome, poor and she loves him…

…and the other is rich, and old, however, he can pay for her mother’s needed surgery…or whatever…

…and she must choose between love and money!

…oh what shall she do?!?

…OK, that’s just a bunch of bull…

…because she could just easily be like the Disney star, who marries the handsome prince who is also very wealthy…

…and in the real world, there are plenty of wealthy people falling in love with each other and having healthy and loving relationships…

…because you can have both love and money if you choose…

3) Making Money Is My Duty and A Service To The World

…I used to think that I could choose to be poor and it would be spiritual…

…like how Buddha renounced his money and sat under a tree and meditated without eating…

…somehow I thought that it was a service to the world for me to be poor…

…then I found out that money really does serve the world…

…it builds hospitals, churches, schools…

…it funds education and research…

…it buys the food and clothes that feed the world…

…so then I realized that the more money that I made, the better I could serve the world…

…and that it was my duty to step it up and learn the skills to make money…

4) Being Wealthy Is Easy

…ah, this is the one that gets me still sometimes…

…do you think being wealthy is easy?

…if you do, then you are wealthy yes?

…so, why would anyone think that it is hard?

…wealth can come to people easily…

…as an example…

…I bought some dividend yielding stocks and they make me money every month…

…that was pretty easy…

…think this thought for a while and you will come up with ways to make being wealthy easy for you too!

5) I See Money Making Opportunities Everywhere

…if you look around with this thought, then money really will be easy to make…

…there are opportunities to make money everywhere…

…when I started looking for passive income…

…opportunities started to appear everywhere…

…it’s a lot easier to find when you have the right idea in your head opening your eyes…

6) I Enjoy Making Money

…some people feel like they have to work really hard to make money so they don’t enjoy it…

…well, making money can be very enjoyable…

…I just think back to before I made any money and it instantly brings me gratitude and appreciation that I know how to make money now…

…and enjoying it is even better!

…if you ever meet someone like Justin Verrengia or David Wood, you’ll see exactly what I mean that making money can be very enjoyable…

7) Being Extremely Wealthy Is My Birthright

…some people think only kings and queens were born into wealth…

…or are worthy of great wealth…

…I believe, and so will you when you adopt this thought for yourself, that being extremely wealthy is my birthright…

…and it is everyone’s birthright…

…we are all kings and queens who have the right to claim our kingdoms and the vast fortunes that come with them…

…it’s just a matter of accepting our greatness…

Conclusion

I have studied and experimented with different ideas for years and these 7 are going to make you lots of money, if you take them and believe them for yourself…

…all of them are true…

…if you believe them to be true for you…

…so do the work, adopt these ideas, say them in your head until they become natural for you…

…it’s time for you to make more money in your life…

…and it all starts with the right ideas…

P.S.

Another great idea is I Am A Master of Making Money Online…

…you can CLICK HERE, get on my e-mail list, and watch the free video to start!

Do Women Marry For Money?

Do Women Marry For Money?

This is not a trick question…

I’m serious, women, if you are reading this and you are married, did you marry for money?

…and if you’re not married, are you looking for a guy to marry who has money?

Men – are you working to make lots of money so you can afford to marry the woman of your dreams?

…do you think women care about money?

…well, most of us have a lot of feelings about this subject!

AND it’s good to get these feelings out in the open, because we all want money…I mean…we all want happy marriages right?

MONEY OR LOVE

I think I personally had a lot of confusion about this topic when I was younger because I always thought in terms of OR…

…it’s love or money…

…well, if I asked that question all the time, of course I chose money…

…thinking that it meant having no money…

…that was me being simple minded and boy did it take me a while to finally realize that dating guys without money is a real drag!

WHY?

…because you have to pay for everything!

…and as a girl, I just like to be pampered…

…now I’m not going to say all girls are the same, this is my opinion…

MONEY AND LOVE

Finally I got struck by the blows of too many failed relationships and some sense got knocked into me and realized I could have both MONEY and LOVE…

…and now I do…

…AND IT’S SO GREAT!!!

…I’m the first to jump up and say that I married for both money and love!

…because I wanted to have both =)

…and why not?

Men like making lots of money, they enjoy buying what they like and having that power…

…and as a woman a powerful man is sexy…

…and it’s nice to take your lady out on the town…

…it’s nice to have money!

…I’m not saying that I don’t have my own money…

…I’m saying I like my man having money…

don’t you like having money?

Conclusion

So, in answer to the question, do women marry for money? I say YES, and they marry for LOVE and so many other things…

…and it’s a great thing too…

…because money is wonderful to have and to use to grow a beautiful loving relationship…

What do you think? Tell us in the comments!

P.S.

I love blogging about money and helping people breakthrough to their financial freedom!

…I also like making money blogging!

…do you want more money?

CLICK HERE, enter your best contact e-mail, and watch the free video I send you!

Have You Ever Chased Money And Found Your Dream Life?

Mey here blogging on a Monday morning in beautiful Honolulu asking the powerful question Have You Ever Chased Money And Found Your Dream Life?

…when I decided I wanted to be Financially Free I knew what I wanted…

…I wanted to afford to live in a place where I could be with my boyfriend…

…I wanted to travel the world doing seminars and courses to create my best self…

…I wanted to learn from great minds, on how to be financially free, healthy and happy…

…and I wanted to dance more and enjoy the moment with like minded people =)

…just making that decision, was enough to bring the knowledge to me I needed to make my goals become more and more real…

…I ended up leaving the boyfriend and upgrading my room with a husband and my super cute and fun son (who loves to dance)…

Living My Dream Life WIth My Husband Jomel and Son Jordan
Living My Dream Life WIth My Husband Jomel and Son Jordan

…I ended up working with great minds pretty much on a daily basis and travel the world doing courses and seminars to create my best self…

…I chased money and found my dream life!

Living Your Dream Life Everyday

…the main thing that made my dreams come true was knowing what they were and going for them…

…a powerful intention is really all that you need in the end to get anything that you really want in your life…

…I just hope your intention will really make you happy…

…a lot of people would agree that living a vacation lifestyle where you are always swimming or playing tennis or lounging around is not actually very fulfilling…

…though it is nice once in a while…

…most people when they really take the time to think about what they want their dream life to be, will find that they have a calling…

…they have some mission that they were meant for…

…maybe it’s like Warren Buffet, who loves making money with sound investments…

…or maybe it’s Bill and Melinda Gates who are working to create a healthier and better educated world…

…or maybe you’re an artist, and your songs or paintings are meant to bring beauty and inspiration to the world…

…most people have a calling and that is really what makes their life fulfilling…

…and tapping into that, is the only way to make your dream life a reality…

…I hope this post opened your eyes to a different way of living…

…living your dream each and every day…

…personally, I’ve made a business of teaching people how to make their dream lives come true…

…that’s my calling…

…and it’s exciting for me when people open up their eyes to a bigger vision for their lives…

…there is a different way to live life…

…a life where you wake up excited to be alive…

…where you can create a dream lifestyle doing what makes you happy…

…I found my business model by word of mouth…

…I was taking a 90 day Leadership course and after masterminding what I love to do, one of our coaches told me that someone they knew was making money blogging…

…I would be able to do what I love, which is read, write and talk to people about personal development…

…and make the money to become financially free…

…That sound good to me…

…so I called him, and he sent me a link, and I got started…

…if that interests you too, then…

CLICK HERE, watch the free video and get started!

How To Create More Money In Your Life as a Parent

Mey here on Thursday morning, after a night with my son constantly waking up, yet I am still full of energy and want to blog about the important topic of How To Create More Money In Your Life as a Parent

…as a parent we are lucky because we have children all day long to remind us of the key to money, the key to success…

…and that is energy…

…the more energized we are, the more people want to be around us…

…the more people who come around us, the more opportunities that we are offered…

…eventually this materializes as more money flowing into our life…

…so as a parent, we are front and center stage to watching some of the most powerful energy making machines – our children…

…my 2 year old son has so much energy, and he runs with it laughing and celebrating all the time…

…here’s what you can do as a parent to help harness energy, and create more success in your life…

Increase Your Energy Exercise

…so it’s real simple…

…pretend that something amazing just happened in your life…

…maybe you won the lottery and won a billion dollars…

…so go ahead and just act insanely happy for 10 seconds…

…do it now!

…how much more energized are you feeling now?

…do this before you have to interact with people, to create more money in your life…

Conclusion

…I hope this blog post pumped up your energy and will improve your finances!

…I’m always excited to see someone become closer to financial freedom =)

…if there is something that you love teaching others, you may want to consider blogging as a business…

…it’s easy to start, low overhead, fun, and has the capacity to produce vast amounts more income than a job…

CLICK HERE, watch the free movie, and get started!

Powerful Money Breakthrough Affirmation – I Can Afford It Now

This is Mey on a BRILLIANT Wednesday morning super pumped to give you a Powerful Money Breakthrough Affirmation – I Can Afford It Now

…do you have all of the money that you need and want in your life?

…or are could you use more money in your life?

…how much more do you want?

…how much is your magic number?

…well, I came across a realization for myself one day that I actually love money because of what it allows me to do with my life…

…specifically it helps my family go on super cool trips and vacations…

…and one day I realized that I had a thought in my head that was preventing me from doing larger trips – specifically a cruise to in the Mediteranean…

…and I changed the thought to the opposite, and created a Super Power New Money Affirmation for myself, and it created a breakthrough in my thinking and in my money…

…(drumroll please)…

…and that affirmation is “I Can Afford It Now”

…so read on to the end of this article to understand exactly how to use this affirmation to create a POWERFUL MONEY BREAKTHROUGH FOR YOU!

Using “I Can Afford It Now”

…in order to fully get the power of an affirmation, especially one like this one, is to use it daily in multiple different ways…

…the first and easiest is to say this affirmation everytime that you see something that you can afford…

…so you see food in the grocery store, or clothing in a store, or food at restaurants, and you say “I Can Afford It Now”…

…when you are confident and the time is right for you, move on to your dreams and goals…

…it can be a cruise like us…

…maybe it’s a luxury car…

…maybe it’s your dream home…

…maybe it’s a massage, or a spa day…

…maybe it’s an educational course or a program…

…get used to saying this affirmation for everything that you see and that you want to purchase…

…doodle about all of the amazing things you want to afford…

…sing it in a song…

…say it to yourself in the mirror!

How “I Can Afford It Now” Will Create Your Personal Breakthrough

…saying and using this affirmation creates personal breakthroughs because it opens up your mind to the possibility of being able to afford what you want now (not in the future)…

…you start having ideas that wouldn’t normally have occurred to you because you are opening your mind to receive them…

…people use this change of thinking to bring out more money than they ever thought possible…

…one striking example that I heard this past weekend of a personal breakthrough with money was with a person from Cuba…

…they make only $200/mo and wanted to buy courses in Internet Marketing to make his business successful that cost $3,000…

…he initially thought it was impossible…

…then his mentor told him to think about what it would be like if it were possible…

…what would it be like if he could afford it now?

…that man had a breakthrough and within days came up with the money and purchased the courses that he wanted…

…so this is a real powerful breakthrough affirmation and process that can change your life if you choose to use it…

…and it does not matter how much you make or have, and what it is that you want…

…if the thought is there for you, then it is a possibility for you…

Conclusion

…I hope you enjoyed reading abuot the POWER of this amazing affirmation “I Can Afford It Now”…

…in the comments below, let us know your story of when you had a breakthrough and thought you couldn’t afford something and you made that shift in thinking and just days later, could afford it!

…we want to hear from you =)

P.S.

…I love blogging about Financial Freedom and making money doing it!

…the power of the internet is always astounding and the money that bloggers can make would blow your mind…

…and all you need to start blogging is to have a passion about something – whether it be cooking or sewing or traveling, whatever it is that you love…

…and to be able to share your passion on your blog…

…don’t take my word for it, just check it out for yourself with stories from others using their blogs to make money online…

CLICK HERE, watch the free video, and get started =)