National credit card debt reached a peak of $1.022 trillion in April 2008 That's an average of $8,299 in credit card debt per household. That was more than a third (38 percent) of total U.S. consumer debt.
Today, the average American home has over $16,000 in credit card debt, says NerdWallet.
But the #1 cause of bankruptcy is healthcare costs. Not being prepared for an emergency can ruin you.
And personal finances are not just a North American problem. According to the Mirror in the UK: "The amount of personal debt has hit a staggering £1.5 trillion..."
Obviously, something needs to be done and you are the only person who can do it.
By understanding, then mastering the Four Fundamentals of Financial Planning, you will set yourself on a course towards achieving whatever monetary and lifestyle goals you want. In this fast-paced course, Dwayne Richards shows you how easy it is to take control of your bank account and live the life you want.The course covers in detail:
You will discover the power of Compound Interest and how to use it to your advantage. Chances are that right now, it is working against you.
Dwayne Richards, CPA, CMA, Financial Security Advisor and Business Consultant, shows you every strategy, secret and tactic you will need to prevent you from being an 'Average American' with $16,000+ in credit card debt.
Don't wait! Register today!
You can not function without cash. This section helps you get your cast issues in line with your income to take advantage opportunities and helping you out in emergencies.
How much money should you have in the bank in case of opportunities or emergencies?
Emergencies occur. Not having cash to get you through emergencies causes stress and problems.
Do you save first? You are building a resource fund for extras that you want This could be a cottage for your family or a franchise for your financial future.
98% of employees spend their paycheck and save nothing. Stop living paycheck to paycheck and 2 weeks from bankruptcy. Dwayne gives you a plan to achieve this goal.
What are your monthly expenses? What is your Cash Flow?
What is compound interest? How does it affect your lifestyle? How can you escape the downside of compound interest? How can use compound interest to your advantage?
Now you know how to achieve your dream lifestyle.
What are your assets? When are your best earning years?
In this lecture, Dwayne teaches you what your number one asset is and how to get the most of out of it.
Now that you know what your Number One asset is now you have to protect it and make sure that no matter what happens to your asset, you and your family are looked after.
Are you ready for the future?
What are Temporary Expenses? What are Permanent Expenses? And how do they affect your financial situation?
Discover an tightly keep Insurance secret that can totally change how you use insurance to protect your assets from greedy government hands, plus wake sure your heirs receive their full inheritance.
Congratulations on completing your course. What is next?
If you have a question that you feel is too private to discuss publicly on this platform, you can PM Dwayne via the Udemy system. Just go to Dwayne's profile to access ways to connect.
You can help your fellow students by leaving a Review of this course. The Review lets your fellow students make the decision to take the course or not. It helps them understand how your experiences in the course helped you become more charismatic, and then they can decide if they want to follow in your footsteps.
Scott Paton has been podcasting since the spring of 2005. His podcast "Weight Loss and The Mind" hit over 375,000 subscribers in its first year and over one million downloads. He has executive produced and/or co-hosted over 35 podcasts. An internationally renowned speaker, Scott has presented to audiences from London, England to Sydney, Australia, from Vancouver, BC to New York, NY, from LA to Rwanda. Thousands of entrepreneurs and NGO's have changed their public engagement strategies based on Scott's sharing. We hope you will, too!
Scott has over 66,500 students from 176 countries taking his courses.
Scott joined Udemy in 2013. In late 2014, one of his clients inspired him to make a video course on Podcasting. He revisited Udemy and got very excited at the potential. After his course went live, Scott told his clients and many decided to make courses but needed help, so he has become a co-instructor with them, while continuing to support and build his own courses. His co-topics all include areas of life-long learning by Scott, including Stock Option Trading, Alternative Health, EFT, and Relationships.
Dwayne is a people-focused operations professional who has worked for both multi-national and privately owned Canadian corporations in 5 different industries over the past 15 years.
Dwayne is a Chartered Professional Accountant who values authentic business relationships and clear communication.
He is constantly tracking and assessing sales, marketing, and financial tools in the interest of automating operations, so that entrepreneurs have more time to do what they love.
His "why" is to alleviate the stress and anxiety around managing money and keeping up with current technology.