Lynnette Khalfani-Cox, The Money Coach

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Lynnette Khalfani-Cox, The Money Coach, offers pre-recorded financial seminars in MP3 format, based on her "Financial Boot Camp" -- a personal finances coaching program that covers 10 critical topics for anyone who would like to have great credit and Zero Debt -- not just zero credit card debt, but all kinds of debt: taxes, mortgages, auto loans, student loans, everything!

$19.95 each

Each audio MP3 is 60 minutes in length.

The 10 topics available on MP3 are:

How to Budget Properly, Spend Less and Save More
How to Make or Find “Extra” Money
How to Improve Your Credit and Manage Credit Cards Well
How to Negotiate with Creditors
How to Deal with Collection Agencies
How to Reduce Mortgage and Auto Debt
How to Pick a Credit Counseling or Debt Management Firm
How to Pay off Student Loans
How to Slash Your Taxes or Settle an Old Tax Bill
How to Keep Your Finances on Track and Build Wealth

Special Offer: Get all of the above seminars on 10 audio CDs, plus
a free book in our Zero Debt Kit. A $225 value for just $95.

Also available as individual audio CDs.

Session I: How to Budget Properly, Spend Less and Save More $19.95
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Nobody likes to live paycheck to paycheck. It’s stressful, depressing, and makes you feel like you’re not getting ahead. Unfortunately, though, most people live under these exact circumstances, and it’s mainly because they’ve never been taught some basic personal finance principles like budgeting, saving, and proper cash management.

In this session you’ll learn:

The three ways to tell if you’re truly serious about wiping out your debt
The importance of setting financial goals to motivate yourself
Strategies for creating and maintaining a realistic budget
How to get products and services you need FREE of charge
The financial impact of various habits and activities
Smart ways to make saving and investing automatic
How to stop making excuses about your situation and get out of debt denial
How to get rid of money-draining friends, relatives and others
How to slash expenses in multiple areas of your life
Pain-free ways to build up your cash cushion … and MORE!

Download How to Budget Properly, Spend Less and Save More MP3...for just $19.95

Session II: How to Make or Find “Extra” Money $19.95
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Wouldn’t it be great if you had just a little (or maybe a lot) of extra money each month? Think of what you could do with, say, $500, $1,000 or more in your bank account every 30 days. You could certainly pay down debt. You could start adding to your retirement nest egg. You could finally sock away money into a savings account – without having to raid your savings for every little emergency. Or you could just have a little breathing room and not have to worry about all those bills. Well, having “extra” money isn’t a pipe dream. You can start bringing in big bucks this month!

In this session you’ll learn:

How to generate additional cash without spending a single dollar
How to get money from family members (without begging, arguing or getting a loan)
How to use your house as a gold mine (without tapping your home equity)
Where you can get a bundle of money you may have “forgotten” about
Places to turn for non-traditional sources of cash
How to wring thousands of dollars out of your job – and your boss can’t say “No”
How to get the government to give you money, no strings attached
Business ideas to make you a bundle even if you have no money to invest … and MORE!
Download How to Make or Find “Extra” Money...for just $19.95

Session III: How to Improve Your Credit and Manage Credit Cards Well $19.95
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Let’s face it. It’s tough to live in this society without having any credit cards. You need cards to shop on the Internet, rent a car, or book a hotel room during business trips or vacations. And even if you don’t use credit cards, chances are you have a credit file that someone is watching. That file contains information about your mortgage, your auto loans, and how you’ve paid bills in the past. Most people think their credit score is seen only by lenders, like companies who might offer you a mortgage, auto loan or credit card. But whether you realize it or not, lots of other people and institutions have access to your credit file, including insurance companies that might sell you life or auto insurance, your boss at work, and even prospective employers. More than ever, you need to protect your credit standing because it can impact every area of your financial life.

In this session you’ll learn:

Sneaky tricks the credit card companies play that cost you money
How to read your credit report and dispute errors
The fastest ways to boost your FICO credit score
Clauses in your credit card agreements to look out for or contest
The pitfalls of transferring balances from one credit card to another
The best methods of handling credit cards if you’re married or live with someone
The pros and cons of using cash advances, and blank checks from credit card issuers
How “inquiries” and new credit applications affect your credit rating
What to do with those department store cards
How to prevent identity theft from ruining your credit … and MORE!
Download How to Improve Your Credit and Manage Credit Cards Well...for just $19.95

Session IV: How to Negotiate with Creditors ~~$19.95~~ $10.00
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There comes a point in most people’s lives when they slip up with their credit cards. Maybe you forgot to pay a bill on time and got hit with a late fee. Or perhaps you fell on hard times, and got several months behind on your debts. What should you do when you want to re-establish your good name, pay off debts, and improve your credit standing? Chances are, you’ll have to negotiate with your creditors. Negotiating with institutions you owe is more art than science. But there are some proven negotiation strategies and techniques you must know in order to save yourself hundreds, if not thousands, of dollars.

In this session you’ll learn:

What “re-aging” is, its benefits, and how to get a creditor to “re-age” your account
How and when to ask a credit card company to “un-rate” your account
How to legally buy time paying a bill or possibly even eliminate the need to pay the debt
How to avoid over-the-limit fees or have them eliminated
How to get interest rates lowered
How to get late fees waived and late payments removed from your credit file
What requests to make over the phone and when to send letters to your creditors
Why it may be smart to get the due date on your credit card changed – and how to do it
The 5 times you should ALWAYS pick up the phone and call your credit card company
How to protect your credit rating when you don’t pay a bill … and MORE!
Download How to Negotiate with Creditors...for just ~~$19.95~~ on sale for $10

Session V: How to Deal with Collection Agencies $19.95
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For anyone in debt, one of the most gut-wrenching parts of the whole ordeal is dealing with collection agents. They’re often rude, obnoxious and totally uncaring. Some even break the law, harassing people at all hours of the day and night, and calling your friends, relatives and even your boss in an attempt to embarrass you into paying your debts. Thankfully, you don’t have to be at the mercy of an unfeeling debt collector. In fact, you have many rights under the law to protect you from abusive collection agencies. But you have to know what those rights are and how to assert them. Moreover, in order to reduce your debt and improve your credit rating, you must learn how to get collection agents to give you what you want – not just the other way around.

In this session you’ll learn:

What to say – and what not to reveal – to collection agents that call you
How to write a cease and desist letter that stops collection agents in their tracks
How the Fair Debt Collection Practices Act protects you from collection harassment
When your debts are no longer collectible, under your state’s statute of limitations
The power of having a debt-verification letter
The dangers of sending post-dated checks to bill collectors
How to dispute debts that are inaccurate, incomplete, or not yours
How to properly negotiate debt settlements
How to make sure your credit isn’t ruined by bill collectors
When to consider bankruptcy … and MORE!
Download How to Deal with Collection Agencies...for just $19.95

Session VI: How to Reduce Mortgage and Auto Debt $19.95
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Owning a home is part of the American Dream. But it can quickly become a nightmare if you’re not prepared for all the costs that come along with homeownership. When most people purchase a new residence, they focus mainly on whether or not they’ll be able to afford the monthly mortgage – without giving much thought to taxes, insurance, regular maintenance, repairs, utilities and other expenses. In the end, that home becomes a cash-drainer that feels less like a castle, and more like a financial prison. The same thing happens to those who buy or lease new and used cars without considering the true cost of ownership.

In this session you’ll learn:

How to evaluate how much house you can truly afford – even if you’ve lost your job
What to do if your mortgage debt is too burdensome
The pros and cons of refinancing your home
How to avoid foreclosure when you’re behind on your mortgage
Why your existing banker/mortgage company may be your best friend in a cash crunch
The truth about financing new and used cars
The advantages and disadvantages to leasing a car
Smart ways to rid yourself of auto payments – while preserving your credit rating
How to refinance your vehicle loan to save money … and MORE!
Download How to Reduce Mortgage and Auto Debt...for just $19.95

Session VII: How to Pick a Credit Counseling or Debt Management Firm $19.95
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You can’t turn on the radio, watch television or read the paper these days without coming across an advertisement for credit counseling or debt management firms. And now that Congress has made the bankruptcy laws in the United States stricter than ever, credit counseling is mandatory for individuals who are seeking bankruptcy protection. But how can you tell which “debt help” companies are reputable and which are rip-offs? Knowing how to separate the good from the bad in the world of credit counseling can mean the difference in getting the financial help and education you so desperately need, and being taken for a ride by companies with only one goal in mind: to make a buck at your expense. The reality is that while some credit counseling agencies can throw a life line to those drowning in debt, other credit counselors actually make your life worse than it was before, plunging you deeper in debt and promising services and results that they never actually deliver.

In this session you’ll learn:

What the difference is between credit counseling agencies and debt management firms
How being in a debt management program impacts your credit and FICO score
How to thoroughly check out credit counseling and debt management companies
What fees you can reasonably expect to pay to a credit counselor – and what’s exorbitant
Whether or not you should get a debt consolidation loan
What federal authorities are doing – and failing to do – to protect consumers from abuse
The truth about so-called “debt elimination” and “mortgage elimination” programs
Where to turn if you’ve been wronged by a credit counselor or debt management agency
The downside of entering a “debt settlement” program … and MORE!
Download How to Pick a Credit Counseling or Debt Management Firm...for just $19.95

Session VIII: How to Pay off Student Loans $19.95
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Higher education costs in the U.S. are increasing. State funding to aid college students is on the decline. And a growing number of university and college students in America are taking on loans to foot their tuition bills and other expenses. Add it all up and the results are scary: In addition to racking up massive amounts of credit card debt, college students in the U.S. are now graduating with record levels of student loans as well. Nationwide, the median student loan debt for undergraduates currently stands at close to $20,000. Those who attend graduate school wind up with an additional $32,000 in debt on average, according to Nellie Mae, the nation’s largest student loan provider. The upside to all this debt is that people with Bachelors or graduate and professional degrees stand to earn substantially greater incomes than those without degrees. In the meantime, though, millions of people like you still need help in managing those enormous student loans.

In this session you’ll learn:

How student loans impact your credit
How to bring past-due loans out of default status in 3 months or less
The ins and outs of loan rehabilitation programs
Whether you’re eligible for a student loan cancellation – and may not even know it
How to seek and get a deferment on repaying student loans
When to request a forbearance
How to ease your financial burdens with a graduated repayment program
How to get your lender to agree to an extended repayment option
The pros and cons of paying loans based on an income contingent plan
When to consider student loan consolidation … and MORE!
Download How to Pay off Student Loans...for just $19.95

Session IX: How to Slash Your Taxes or Settle an Old Tax Bill $19.95
Instant Download

Nobody should pay more taxes than necessary. In fact, it’s a waste of your money if you’re giving Uncle Sam a dime more than he’s due. Yet, every year, scores of taxpayers overpay their taxes due to misinformation, a lack of knowledge about the tax code, ignorance of the law, and sometimes just plain laziness and poor planning. For those with back taxes due, the situation is even more dismal. We’ve all heard horror stories about the IRS causing the fear of God in people going through audits. So how do you avoid being over-taxed and behind on your taxes? And what can you do if you’re already weighed down by an old tax bill?

In this session you’ll learn:

How to use your 401(k), 403(b) and other retirement savings plans to save taxes
How and when to delay income – and turn that to your financial advantage
The value of bunching and/or accelerating expenses
The difference between a tax credit and a tax deduction, and which is far more valuable
Creative ways to reduce your taxes at any point during the year
The enormous tax benefits available to small business owners
How to refrain from triggering the dreaded “AMT” or Alternative Minimum Tax
How to avoid or eliminate interest and penalties on past due state and local taxes
How to successfully negotiate an “Offer in Compromise” with the IRS … and MORE!
Download How to Slash Your Taxes or Settle an Old Tax Bill...for just $19.95

Session X: How to Keep Your Finances on Track and Build Wealth $19.95
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After you’ve been drowning in debt and you manage to get your head above water, you may feel like you can finally breathe a sigh of relief and coast a bit. Well, getting your finances in order is one thing. But keeping your economic ship afloat is a whole other matter. To maintain a solid financial position will take some know-how, proper planning, and work. Not to mention dedication to achieving your long-range financial goals. If you’ve worked hard to turn around your finances, now is the time to make sure you don’t fall victim to the pitfalls and mistakes that trip up so many other people. Once you dig out of debt and manage to save a few dollars you don’t want to return to the “bad old days” when you were broke and struggling to pay the bills. Fortunately, there are many ways to protect your long-term financial interests and set yourself up for a lifetime of financial freedom.

In this session you’ll learn:

Strategies for staying out of debt and maintaining organized financial records
How to avoid financial scams
How to sidestep bad deals you encounter that may be disguised as “opportunities”
Creative ways to use insurance to protect your family’s economic health
How to leverage real estate as a way to build wealth
The importance of having a well diversified set of investments (stocks, bonds, etc.)
How the rich protect the assets they’ve worked to acquire – and how you can too
How to ensure that your heirs are well taken care of … and MORE!
Download How to Keep Your Finances on Track and Build Wealth...for just $19.95

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.



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