tag:blogger.com,1999:blog-8851343970675465332012-02-16T20:22:32.637-08:00lonnie speakshttp://www.blogger.com/profile/01878867289503282624noreply@blogger.comBlogger171100tag:blogger.com,1999:blog-885134397067546533.post-31308708694483666842012-01-25T16:25:00.000-08:002012-01-26T04:41:21.501-08:00

The Beginning of a MovementI remember growing up in the projects of Birmingham, Alabama.  I don’t remember us having a lot of money, and there were certainly times when things were tight financially in our house but we always managed to get by. Shortly after graduating from high school I enlisted into the United States Marine Corps and spent eight years serving my country.You are probably

lonnie speakshttp://www.blogger.com/profile/01878867289503282624noreply@blogger.com0tag:blogger.com,1999:blog-885134397067546533.post-32609766609548053192012-01-25T16:22:00.000-08:002012-01-25T16:22:52.835-08:00

Kids and Money – 5 tips to raising money smart kidsI recently  did something that I hope will change my legacy forever. I am hoping that this single act will have a future impact on all my decedents for generations to come. What is this profound act that I speak of you may be asking, well eighteen months ago I took my then 8 year old and 11 year old daughters to our local credit union and open

lonnie speakshttp://www.blogger.com/profile/01878867289503282624noreply@blogger.com0tag:blogger.com,1999:blog-885134397067546533.post-72843238517436430422011-12-20T10:28:00.000-08:002011-12-24T12:05:15.369-08:00

Four Financial Moves for the New Year It’s that time of the year, you know when the air is crisp, the temperature is low and everything is centered on the Holidays. As another year comes to an end, many people spend time reflecting on the things that they have done and the things they want to do in the coming year.For me, this is the time of the year when I like to spend a few moments figuring

lonnie speakshttp://www.blogger.com/profile/01878867289503282624noreply@blogger.com2tag:blogger.com,1999:blog-885134397067546533.post-80951343683512732242011-09-20T08:45:00.000-07:002011-09-20T08:45:10.415-07:00

Money & Marriage – Five ways to get on the same page with money! I was recently asked to speak at a marriage retreat on the topic of money and marriage. Therefore, I decided to take what I discussed and make it this month’s article. When it comes to money and marriage one of the leading causes of divorce is financial problems. According to John Thyden, a prominent Washington, D.C., divorce

lonnie speakshttp://www.blogger.com/profile/01878867289503282624noreply@blogger.com0Pearland, TX, USA29.5635666 -95.2860474000000329.5125251 -95.41099240000003 29.6146081 -95.16110240000003tag:blogger.com,1999:blog-885134397067546533.post-49110259357145117012011-05-24T18:33:00.000-07:002011-05-24T18:33:33.235-07:00

Three ways to take control of your finances Are you where you want to be financially? Do you feel like things could be a little better financially but you just haven’t figured out how to change things. To have financial freedom you have to take control of your finances.  Often times after I do a speech or teach a seminar I will have someone from the audience come up to me and ask “do you do

lonnie speakshttp://www.blogger.com/profile/01878867289503282624noreply@blogger.com0tag:blogger.com,1999:blog-885134397067546533.post-84212172609237949812011-03-08T18:30:00.000-08:002011-03-08T18:30:36.966-08:00

WEALTH IS A JOURNEY Let’s talk for a few moments about wealth or being wealthy, first let me say that I believe that wealth is a journey rather than a point in time. It’s a process, it’s a state of mind that takes continued effort to obtain and maintain but most of all wealth is relative. Yeap it’s relative, not your relative being wealthy and you not being wealthy (sorry I couldn’t resist). What

lonnie speakshttp://www.blogger.com/profile/01878867289503282624noreply@blogger.com0tag:blogger.com,1999:blog-885134397067546533.post-4992128317316386812011-03-08T18:22:00.000-08:002011-03-08T18:22:31.522-08:00

A Great Investment Idea I have an excellent investment idea for you. All you have to do is invest $33,900 in this particular investment and if you don’t have the full amount right now I will allow you to make payments of $611.72 per month for the next sixty months. This means that you would really end up paying $36,703.20 for the investment by making payments. Now here is the best part, I can

lonnie speakshttp://www.blogger.com/profile/01878867289503282624noreply@blogger.com0tag:blogger.com,1999:blog-885134397067546533.post-74922815707520511942011-01-10T18:22:00.000-08:002011-03-08T18:25:37.206-08:00

Life Styles of the Broke and Desperate Let’s face it, no one ever says out loud “I want to be forty years old, neck deep in debt with no hope for a financial future.”  Maybe things aren’t quite that bad but have you ever wondered what makes some individuals wealthy and others not so much.  We all know people who for some reason just can’t seem to get things together financially.  I mean they seem

lonnie speakshttp://www.blogger.com/profile/01878867289503282624noreply@blogger.com0tag:blogger.com,1999:blog-885134397067546533.post-8803747766466294152011-01-10T18:20:00.000-08:002011-01-10T18:20:49.179-08:00

Three Steps to Achieving your GOALS in 2011 It’s that time of the year, you know that point when we reflect on what has happen and look forward to what is going to happen in the next year.  In other words it time to create New Year’s resolutions.  The actual tradition of creating New Year’s resolutions has been around since 153 B.C. and was supposedly created by the mythical king Janus of early

lonnie speakshttp://www.blogger.com/profile/01878867289503282624noreply@blogger.com0tag:blogger.com,1999:blog-885134397067546533.post-45962050607444741012010-11-29T17:45:00.000-08:002010-11-30T07:57:23.535-08:00

What's Hurting You!! I want to start out by asking the question what’s hurting you? The reason I ask is because I was recently in the company of some friends and the conversation got on the topic of personal finance (my favorite topic of course). I remember at one point during the conversation a friend said something that hit me hard. Now granted my friend is going through some challenges,

lonnie speakshttp://www.blogger.com/profile/01878867289503282624noreply@blogger.com0tag:blogger.com,1999:blog-885134397067546533.post-84977980072861770522010-09-24T12:07:00.000-07:002010-09-24T12:07:53.880-07:00

Who's Minding Your Money?: Five ways to improve your credit NOW!I recently d...: "Five ways to improve your credit NOW! I recently downloaded a copy of both mine and my wife’s credit report just to make sure everything was..."

lonnie speakshttp://www.blogger.com/profile/01878867289503282624noreply@blogger.com0tag:blogger.com,1999:blog-885134397067546533.post-66578121742137132812010-09-24T11:56:00.000-07:002010-09-24T11:56:27.336-07:00

Put your money where your values are I recently spoke at the Blacks in Government (BIG) National Conference in Kansas City, Missouri. I had a great time by the way and I am looking forward to next year’s conference. During my breakout session, I was speaking to the attendees about personal finance of course. At one point during the presentation, I asked the question “What do you value?” This is

lonnie speakshttp://www.blogger.com/profile/01878867289503282624noreply@blogger.com0tag:blogger.com,1999:blog-885134397067546533.post-6704682308928438162010-09-24T11:33:00.000-07:002010-09-24T12:06:01.312-07:00

Five ways to improve your credit NOW! I recently downloaded a copy of both mine and my wife’s credit report just to make sure everything was in order. Since the passing of the Fair Credit Reporting Act in 2005, individuals are eligible to receive one free copy of their credit report from the three major credit-reporting bureaus. I make it a point to download and check both of our credit reports

lonnie speakshttp://www.blogger.com/profile/01878867289503282624noreply@blogger.com0tag:blogger.com,1999:blog-885134397067546533.post-83641786901423215002010-08-13T12:30:00.000-07:002010-08-20T14:40:20.855-07:00

Five ways to save money now! One of the pillars of a sound financial plan is to have a savings account for emergencies. I’m not talking about the standard three to six months of expenses that most financial planners say you should have. While that would be great to have, let’s face it who has that kind of money set aside. What I am talking about is having enough money set aside so that when you

lonnie speakshttp://www.blogger.com/profile/01878867289503282624noreply@blogger.com0tag:blogger.com,1999:blog-885134397067546533.post-64194693834196211302010-08-10T22:16:00.000-07:002010-08-10T22:16:33.421-07:00

Last month I wrote part one of this article asking if you were sabotaging your own financial success with the decisions that you are currently making. I said in part 1 that by not saving a portion of your income you are sabotaging your own financial success and setting yourself up for failure. Now I want to share an example of what I mean by your decisions sabotaging your success. Several months

lonnie speakshttp://www.blogger.com/profile/01878867289503282624noreply@blogger.com0tag:blogger.com,1999:blog-885134397067546533.post-54952839608021901772010-07-17T19:58:00.000-07:002010-07-17T19:58:39.051-07:00

A quote goes “Your thoughts become your words; your words become your actions; your actions become your habits; your habits become your character and your character determines your success.” As I read this quote for the umpteenth time, I cannot help but to think about how this simple quote sums up the financial lives of most people. You see I have determined that your financial success or

lonnie speakshttp://www.blogger.com/profile/01878867289503282624noreply@blogger.com0tag:blogger.com,1999:blog-885134397067546533.post-77646891622788304982010-07-15T20:19:00.000-07:002010-07-15T20:19:09.504-07:00

Imagine paying $30.24 for a kids chicken finger meal from Sonic Drive-in. That is exactly what can happen if you found yourself in the position of not having enough money in your checking account to cover the original purchase of $3.24. If you fall victim to your banks overdraft protection it will cost you more in the end. According to the banking industry trade group the American Bankers

lonnie speakshttp://www.blogger.com/profile/01878867289503282624noreply@blogger.com0