Greetings from Lynnette Khalfani-Cox, The Money Coach™,
and thank you for visiting my web site. You may have seen me on
television,
heard me on the radio, or read one of my
articles or books.
I've created this
web site to answer some of your most pressing questions about your personal
finances. Feel free to spend time on my site learning about everything from
getting out of debt to improving your credit to paying for retirement, a
first-home or your kids' college education.
If you've come here seeking one of my books, click here to find what you're looking for. I've written five-personal
finance books for adults, and co-authored The Millionaire Kids Club, a
five-book series that teaches kids how to become money savvy.
Under the "Find
Lynnette" menu, you can
stay abreast of my television appearances, read my columns in places as varied
as Health Magazine and
BlackAmericaWeb.com, or find out where you can next hear
me on the radio.
I also get a lot of requests for speaking
engagements. Anyone who has sat in on one of my presentations knows that
teaching people how to get "financially fit" is a personal passion of mine! So
if your organization is in need of a dynamic personal finance expert who can
both engage and inform an audience, click on the "Hire Lynnette" tab for
everything you need to know about getting me as a keynote speaker or workshop
presenter. I speak to groups large and small, at companies, educational
institutions, agencies, religious groups, non-profits, or specialty entities,
such as women-based or minority-based organizations.
Lastly, with the economy in a recession and many
people struggling to make ends meet, you might be wondering "Which book should I
start with?" To find out how I can best help you, please consider the
following:
If you've got a lot of credit card debt, are
living paycheck to paycheck, or are struggling with bills and bill collectors,
get a copy of Zero Debt: The Ultimate Guide to Financial Freedom.
I wrote this New York Times bestseller after I personally paid off $100,000 in
credit card debt in just three years - and I never once missed a single payment.
If I could get out of debt, so can you!
Many of you know that I am a former Wall Street
Journal reporter for CNBC. While my professional background is important, so
too is my personal experience. I've utilized a lot of the strategies that I teach. I've also made my share of financial mistakes.
So I know what really works - and what doesn't.
Credit card debt isn't the only thing plaguing
lots of Americans. So too is educational debt. So if you're grappling with
student loans, have I got the book for you. It's the sequel to Zero Debt,
called Zero Debt for College Grads: From Student Loans to Financial
Freedom. I wrote this book after about a year's research, as well as 15+
years' personal experience managing and paying off college debt. You see, when I
graduated with a Master's Degree in Journalism from the University of Southern
California in Los Angeles, I had $40,000 in student loans. This book will tell
you how to pay off that debt - and fast! You'll also learn about lots of
programs, agencies and even some companies that will pay your student loans for
you.
By the way, if your spouse, child or grandchild
has student loans, they'll thank you for giving them a copy of Zero Debt for College Grads: From Student Loans
to Financial Freedom. Believe it or not, it's not just current students and
20-somethings who just got out of school who face this problem. Many 40- and
50-year-old professionals that graduated decades ago still grapple with college debt.
The headlines are filled with doom and gloom about
the housing market. Record Foreclosures. Mortgage
Meltdown.
Credit Crunch. Despite the bad news, millions of people still want to achieve
the American Dream of homeownership - and millions more are trying desperately
to hang on to homes they previously bought.
Maybe you're one of them. Too bad nobody ever
taught you how to become a smart homebuyer - or even told you the whole truth
about whether you were really ready to own a home at all.
Until now.
My latest book is Your First Home: The Smart Way to Get It and Keep It. It's a
step-by-step guide to preparing for, finding and financing the home of your
dreams - and not losing it in foreclosure. If you already own a house, you owe
it to yourself and your family to get this book today, and find out the "Seven
Commandments" of successful homeownership, how to keep your home if you can't
pay your mortgage, the dos and don'ts of refinancing your mortgage, and what no
one ever tells you about home equity loans.
For those of you who want to make the leap from
renting to owning, Your First Home explains how to turn bad credit into
perfect credit, how to manage money and save cash - even if you've never been
able to budget. Best of all, I walk you through the house-hunting and mortgage
application process, saving you time, money and unnecessary frustration.
Sign up for my free personal finance newsletter to get a
free 40-page
excerpt of Your First Home, including information about where to get free grants
up to $40,000 for a down payment and closing costs. (By the way, June is
National Homeownership Month).
Your First Home is the one book on the
market that promotes sustainable homeownership - by teaching renters and
owners the truth about what it takes to be a successful homeowner. What good is
it to buy a house you can't afford, only to wind up cash-strapped and in
foreclosure a year or so later? That's a sure-fire way to ruin your wealth and
your credit rating. Expect to hear me talking a lot about homeownership in 2008,
in my newsletter and in the media.
Getting your finances together isn't just
about ridding yourself of problems like excessive debt or bad credit. You also
need to know proper money-management and wealth-building strategies, like smart financial planning, the power of investing in
stocks and bonds, how to leverage real estate, and the economic benefits of
entrepreneurship. I know from first-hand experience that these are the pathways
to becoming a millionaire. And it's not as far-fetched as you might think. Did
you know that there are 8.9 million millionaire households in the U.S.? That's 1
out of 13 households! So why shouldn't you be among those millionaires? With the
right plan, the proper mindset, and a willingness to take action, you can
achieve the wealth of your dreams ... starting today! To learn more, be sure to
read The Money Coach's Guide to Your First Million. You'll be glad
you did.
Did you parents teach you about stocks and bonds?
Did you learn about mutual funds and managing a 401(k) in school? Probably not.
That doesn't mean it's too late to learn. Everybody should at least know the
basics of how Wall Street works and how to invest profitably - without stressing
out over what the stock market is doing day to day or week to week. My book Investing Success: How to Conquer 30 Costly Mistakes and Multiply Your Wealth
teaches you the ABCs of investing on Wall Street and helps you avoid or fix the
blunders that many other investors have made. If you are even remotely interest
in the stock market, or if you have a 401(k) and you need to know how to pick
the right funds for it, then this book will be worth its weight in gold.
In 2008, you can continue to get help from me
through my Financial Boot Camp and Personal Finance courses,
CDs or DVDs. I teach people just like you about budgeting and cash management;
credit and debt elimination; investing and financial planning; retirement planning; college financing; taxes and insurance.
This year, I'll also be focusing a lot on the housing and credit issues -
especially the challenges facing both renters and homeowners. In addition to my
book, Your First Home, I even have a book called
Home Sweet Home hitting the market soon. This book is the
third book in The Millionaire Kids
Club series, and it's designed to raise parents' awareness of how
to talk to kids about this country's foreclosure problem. Losing a home can be a
scary prospect for a child. Home Sweet Home provides a way for adults to
have honest conversations about financial difficulties - while teaching kids
about money and giving children the emotional support they need.
Well, that's it. Again, feel free to stick around
at my website for as long as you like.
Also know that if you need education or guidance concerning any
of the financial topics listed above, you can contact me, sign up for my
free newsletter, purchase one of my books, CDs or DVDs, or catch me during one
of my TV or radio appearances.
I'm confident that if you make the right moves,
you can become Financially Fit -- and The Money Coach can help you do it!
Lynnette Khalfani-Cox,
The Money Coach is not a registered investment
advisor and the information provided on this web site should be considered
educational in nature, but it is not a substitute for legal or professional
financial advice. If you believe you need the help of a Certified Financial
Planner or other investment counselor, please seek a qualified professional.
Welcome
Meltdown.
Credit Crunch. Despite the bad news, millions of people still want to achieve
the American Dream of homeownership - and millions more are trying desperately
to hang on to homes they previously bought. 
