4.30.2009

4.17.2009

Some people are unemployed for a reason

Unemployment is a very hot topic currently because it’s GOING UP!  Did you know that there’s a HEALTHY unemployment rate?  There are always people in transition from one job to another and then there’s a LARGE group of people that simply don’t have the skills to get a decent job.  So who are they?  They’re right HERE.

Want to watch these unemployed people in action?  Here are a few of their videos…

This guy does not like…responsibility.

She put her life on Facebook…woops

Talking about your family is good…except when

Not keeping a job is NOT an accomplishment

4.15.2009

Do you have a dream? So did she..

Clouds-light The woman you’ll see is 47 years old.
She’s never been kissed.
She’s about to achieve her dream.

 

Click here to see the dream realized

4.14.2009

Who’s in charge?

Who’s in charge of your business, your social life, your marriage, your bank account?  If life isn’t going so great…maybe you need to get off the stool.  Watch the video and you’ll see what I mean.

- Andy

4.13.2009

Do you enjoy your gifts?

It’s so easy to compare ourselves to others.  I often want to be someone else.  Do you feel the same way?  Take a few minutes out of your busy day of comparing yourself and watch this video. 

We do not dare to classify or compare ourselves with some who commend themselves. When they measure themselves by themselves and compare themselves with themselves, they are not wise. - 2 Corinthians 10:12

Leave me a comment below on what you compare yourself against…

Blessings - Andy

4.09.2009

Becoming better…not usually

Finances are a very hot topic these days and a lot of people are asking me, “Is your business getting better now a days?”  or “I bet you’re busy with the way the economy is.”  These people see the value in what I do (which I appreciate).  They understand that I help people maximize their financial situation no matter how much they make. 

Here’s why my business isn’t very busy right now;

1. People who are good with their money don’t realize that they could improve their situation more than ever given our current economy.

2. People who aren’t good with their money don’t want to invest the money it takes to learn how to handle their money better.

Which group are you in? 

The last couple I coached saved over $350 a month ($4200 a year) after we got done working together.  Where they good or bad with their money?  It doesn’t matter.  What matters is that now they’re better. 

- Andy

4.08.2009

Why you don’t want money from the IRS

Have more financial questions that you need answers to?  Contact me at www.traubfinancialcoaching.com.

4.07.2009

3.27.2009

Hubby handcuffed…now he’s listening

Credit vs. Debit Card Story on KELO-TV Featuring Andy Traub - Financial Coach

Credit vs. Debit Story Pic Should you use a credit or debit card for your purchases?  Do they offer the same protection on purchases?  Are the rewards from credit cards guaranteed?  Watch the story to find out…

 

youtube-logo

For more stories like this one check out my YouTube channel.

 

 

 

 

UntitledYou can also visit the Television Appearances section of my webpage.

3.17.2009

Never walking alone...

I always appreciate having someone to walk along side me on this journey. 
Be thankful today if you too have that someone.

3.13.2009

Coaching Client Makes the News



Check out the story text here

3.12.2009

FCC actually makes a funny commercial...

Apparently the Federal Trade Commission is tired of freecreditreport.com fooling people into thinking that they actually provide FREE credit reports. In fact, the FTC's site annualcreditreport.com is the site that MOST people think they're accessing when they see the catchy commercials (see them all here). So, the FCC made their own commercial. Watch it below:




Here's some very lightly shaded text from the FAKE "free" credit report website.
IMPORTANT INFORMATION When you order your free report here, you will begin your free trial membership in Triple AdvantageSM**, you will be billed $14.95 for each month that you continue your membership. Credit Monitoring. If you don't cancel your membership within the 7-day trial period
ConsumerInfo.com, Inc. and Freecreditreport.com are not affiliated with the annual free credit report program. Under a new Federal law, you have the right to receive a free copy of your credit report once every 12 months from each of the three nationwide consumer reporting companies. To request your free annual report under that law, you must go to www.annualcreditreport.com."

So check your credit score every January 1st, June 1st and September 1st from a different credit agency for free through www.annualcreditreport.com to stay up to date on your credit's standing.

- Andy Traub
Your Financial Coach

3.10.2009

Less clutter, more cash...on Craigslist.org

Can you believe this ugly website on the left is one way for you to get out of debt, clean up your house and improve your life? Keep reading to find out how...






It's obvious that America's consumer culture has caught up with us. We have homes full of items that cost us thousands of dollars collecting dust. I have found a great way to sell those items with minimal time or trouble. Craigslist.org is a website dedicated to sales of goods and services in your local area.

Once you have navigated to the website, chosen your state and then local area, you are able to see goods and services that are in close proximity to you. For instance, here's the link to
Honda's in Sioux Falls, SD for sale by owner. My wife and I recently sold $2,500 worth of goods in 48 hours on Craigslist.

Here are three tips to selling goods on Craigslist (did I mention this is completely free?!).

1. Write a realistic but appealing description of your item. Tell them everything that's wrong with it and why it's still a good buy at the price you're selling it at. That way they have no reason to say no once they contact you. You've already dealt with the objections in your ad:)

2. Take a few good pictures of your item, and take pictures of the damaged areas if there are any so the buyer isn't surprised when they show up.


3. Price it low enough to get interest but higher than you expect to get for it. Most people who buy on Craigslist buy in cash so be ready to do some negotiating with the buyer. Don't expect full price but don't give it away either! (There's a "Free stuff" section on Craigslist for that). So start selling those goods and enjoy the cash instead of the clutter. If your ad doesn't get any buyers then repost it a week later b/c new people check the ads every day for deals.

Happy selling, let me know how it works for you.

- Andy Traub
Financial Coach

3.09.2009

Homework...

How many items in your home have not been used in the last 365 days that also cost you over $100 to buy?  Start making a list and we'll make you some money in the coming weeks with that list.  - Stay tuned - Coach Andy

Complain or create income? You decide...

Recession? Depression? How about over consumption!? A great way to combat a sagging economy is to participate in it! How you ask? Well, that's what I'll be covering over the next few days...so stay tuned and get ready to take advantage of a bad economy.

11.25.2008

She's NOT smarter than a 5th Grader

Watch this story about a woman who recently won $1,000,000 on a gameshow called "Are You Smarter Than a 5th Grader?"  She may have proved to be smarter on the show but now she's filed for bankruptcy because she co-signed on her husband's business loans that are now defaulting to the tune of $3.5 million.  She sites the tough housing market for her husband's "small business" having so much debt.  That's a mighty LARGE debt for a "small" business.

Lessons to be learned:
1. Don't ever co-sign for a loan outside of your own home. (Biblical reference)
2. Seek to become free from debt in your personal as well as business life (reference)
3. Wisdom is better than money...and it will help you keep your money too. (reference)

11.19.2008

How your checkbook can lead to your divorce...

"After all, "Money is THE great source of stress in relationships," says Rabin, one of five partners in a Manhattan matrimonial firm." You think it might be sex, or the kids. But no, it really comes down to money."

This quote originates from this story about the state of divorce in a struggling economy. I understand divorce on a personal level because I'm married to a victim of divorce. Children are the victims of divorce and my wife is a child of divorce. I have seen first hand the LONG lasting pain that comes from seeing your family foundation split in two.


So here's the question; how do we remove money as an obstacle in marriage? How do we avoid money becoming a source for arguments, frustrations and division in marriages? Frustrations about money are a SYMPTOM of a larger problem in marriage. How we use our money is a picture of the condition and the priorities of our heart. When we don't trust our spouse with how they use money what we're really saying is, "The priorities of my heart is different than the priorities of your heart."

SOLUTION: When couples can first agree on what is important in their lives then their money gets in line with those agreed upon standards. A vast majority of couples never discuss what they are going to base their family spending on so they just spend and the problems build. If you're struggling in your marriage and money seems to be a source of that frustration then remember these two things.

REMEMBER THIS:
1. It's not about the money, it's about your feelings about how the money is being used. Find out why you feel the way you do about how the money is being used. That's the important thing, not the receipts.
2. Divorce costs A LOT. It costs include emotional trauma to your children, lawyer and court fees, alimony payments and separate living spaces.

There are certainly situations where divorce is the only option because of an unrepentant or abuse spouse, but divorce often times does not relieve pain, it actually prolongs it for your lifetime and passes onto the next generation. If you want help on resolving issue about money in your marriage then contact me today.

Aren't consumers already suffering?


The bailout of our auto industry is a great example of how government and business should not work together.  Government should encourage business to grow, to compete, to improve the products they sell.  So the headlines of a recent CNN.com story found here was laughable.  The headline reads, "Consumers to suffer if GM goes under" Isn't the fact that GM can't compete with other car makers because their labor agreements are strangling them and their product is inferior the real issues?  Furthermore, aren't consumers suffering already if they buy a product that is less efficient, needs more maintenance and doesn't even look as appealing as the competitor's offerings?  

Consumers won't suffer if they have to pay 20% more for a car that's 50% better than a GM car.  Businesses fail and they succeed.  It would be a MAJOR blow to the economy if we lost any of our car makers but it isn't healthy for us to support businesses that aren't succeeding.  Bailing out unprofitable companies is like buying an extra ticket on the Titanic.  Even if you get a great price on the ticket, you're never going to get where you want to go riding on that ship.

11.13.2008

Mommy at Home?...research has started

The next workshop I am working on is going to focus on moms staying at home to be the primary caregivers for their children.  There has been a monumentous cultural shift that has encouraged women to enter the workforce in numbers never seen before in history.  Two questions come to mind though...

1. Are working women happier now that they have found more equal footing in the workplace?
2. What effect has this had on the children of those women?

Thus far in my surveys of working mothers I have found a tremendous interest in how they might be able to forgo their work weeks and replace them with staying at home with their children.  This is obviously not a universal feeling amongst working women but it is certainly one worth exploring.  If you have any comments on the subject then click the "comment" link below.  I'd appreciate hearing your thoughts on the topic.  Guys, you can comment too.  The role of the husband in this topic is one that I will also be exploring in depth in this workshop.

Blessings,

Andy Traub
Financial Coach

Traub Financial Coaching Headlines