financial tips

Fantastic Finances Poll For a Personal Finance Bounce

Help Us Create a Great Fantastic Finances Course for You.

We’re VERY close to finishing our long-awaited Fantastic Finances Course For a Personal Finance Bounce.

I have been working on this online course for more than four years, but I am finally going to wrap it up. I will be releasing it in September. This very short fantastic finances poll will help us help you get the right course.

fantastic finances pollThis course will be entirely focused on “Support and Positive Financial Change”. It will include eight weeks of printed pdf’s, 8 complete personal finance books by Lois Center-Shabazz — in the form of downloadable eBooks, video tutorials on 8 crucial personal finance topics, a guide to create your Most Valuable Finances (MVF) profile, a complete course outline to guide you through the Most Valuable Finances Course, a Facebook support group, and a weekly live question and answer session with Money Pro and course founder,  Lois Center-Shabazz.

It is going to be a complete brain dump of everything we know about “Support and Positive Financial Change”.

We are going to cover all the ways that we use to generate our support and positive change zones, and we are going to show you exactly how we change those zones to increase your net worth and financial IQ for life.

HOWEVER, we need your help. Before we finalize everything and send it off to the web course portal, we need to make sure we have covered everything. So please help us create the right online course with this Fantastic Finances Poll For a Personal Finance Bounce

This is where YOU come in. Please take a few minutes to answer this super-short survey — there is only one thing we want to ask you.

YOUR POLL QUESTION: What are YOUR top two questions about Support and Positive Financial Change that we absolutely NEED to answer in our Fantastic Finances Training Course? —->
Super Sane Savings
Guerilla Budgeting That Banks
Big Thing Buying: Cars, Homes, Education
Investment Insights: Know How to Grow Your Money The Right Way
Protecting Your Money After You Get it.
or All The Above

fantastic finances poll

Personal Budgeting for Future Sanity in 5 Ways

Personal budgeting for future sanity;

Did you know that your sanity in the future could depend on the way you budget your money today? It does. So, get into the habit of including tomorrow into today. I know this sounds like you are only living for tomorrow and not for today. But, believe me, you can live for tomorrow and for today. And you will be richly rewarded with a wonderful life now and in the future. Much of our worry comes from unplanned financial problems that are compounded by empty savings accounts of all types.

  • Your savings


We hear this all the time, get emergency savings. So, what do you do, you start, you stop, you delay it, and then you have an emergency. It is inevitable, based on past experiences that most of us have had an emergency at some time during the year, sometimes two or three.

That is not the issue, the issue is that we can lessen the blow of each emergency. If we swallow a large dose of reality and accept the fact that we will have emergencies, and they must be covered by cash, (otherwise our credit will balloon out of control), with cash we will all be fine. Personal budgeting for future sanity first covers emergencies.


If you are very low income, like in the area below $15,000 income per year, you qualify for Medicaid, under the affordable care act. If not, you must pay a copayment and deductible with your insurance, and sometimes a percentage of major treatment. This has always been the case with major health insurance, and will always be. The issue is coming up with the money that will cover your, “out of pocket cost”.  Create a budget for your out of pocket health care costs to avoid large financial bills if you get sick. Budgeting for future sanity includes healthcare of today since we never know what the future holds when it comes to our health.

  • Your Vacation

You have two choices, 1. put your vacation on a credit card and risk having a bill to pay indefinitely or, 2. pay for it in cash, unless you want rewards points from credit cards, put it on a card and pay it off when the bill comes in.

Either way, you need money to cover your vacation, so it should be a part of your yearly budget, spread out over a twelve-month period. Budgeting for future sanity with your immediate vacations will save you large credit card bills in the long run.

successful home buying secrets for women

  • Your Retirement

When you are young you usually don’t think of retirement dates or retirement plans, but some do, and they retire early, because of it. For myself,  this was a goal for me when I was very young and others I know. We all accomplished that goal. I have also read stories about those who wanted to retire at 40 and did, then they started a lucrative business without the worry of running out of money since their retirement was fully funded.

It takes a very conscious and forward-thinking 20 –  something-year-old to think retirement and give themselves the option to retire early and switch careers, but it can be done.

When you are older, you could end up working into your 80’s or 90’s, that is because you did not think you would ever reach retirement age, and need retirement money. It always seemed like a distant, far-away, never-reaching date. Then, the years turned to decades, the decades turned to old age and now you are stuck. You can’t do much to change your situation, except work as a greeter with painful knees and all other health problems.

I just demonstrated how quickly time passes, if you take time seriously, you can have a great retirement, but only if you budget it into your current budget now. Some employees have a pension plus a supplemental plan, and some have social security and a 401k. The problems come when you only rely on one source. Like the pension only or the social security only. Make sure you fund all available sources and only use them at retirement, not for emergencies, not for college and not for vacation. Personal budgeting for future sanity applies to retirement savings more than any of the other

Girls can buy cars the right way

  • Your Education

When you go to college today, it can devastate you financially for the rest of your life, and you can die with that devastation. Too many Americans go to college blindly, and they get predatory student loans because of it. Those are loans that have monthly payments that fall far more than your monthly income after you graduate because you assumed that no institution would treat you so badly. But, they do, they are in it for the money, especially the TV advertising for-profit schools, vocational schools, and private schools. You must understand the way vocational or for-profit schools charge and the fact that many employers don’t recognize the school for employment. This issue alone can devastate a personal budget.

Then there are the unsubsidized loans that students don’t understand. The balance on these loans will double when you finish school because interest is charged while you are in school. If you don’t pay the interest as you go, and most don’t because they don’t have the money, you will get a bill that reflects a balance of more than double what you borrowed after you finish your program.

There are many more nightmare scenarios, like the fact that some students max out of financial aid qualifications before they finish school and can’t graduate, this is a result of a huge personal budgeting mistake.

The issues here in the student budgets are 1. Firs,t research all the cost of your school and find out if it is in affordable limits — you should not borrow more money than you could make in your first year — set that limit to $25,000 to stay safe. 2. You should research if your school is an accredited school and recognized by local employers as a quality school 3. Research if the field you are going into is needed — many of the fields that are offered are obsolete.

Then, try to stick with quality, affordable, public schools. Keep your student loans low, otherwise, you could be paying outrageous student loan cost for the rest of your life. Many of the students who have massive student loans would be better off without any degree, and instead of working their way up on a job, some jobs even pay for education. Use my personal budgeting for future sanity techniques before you consider any school.

  •  Immediate Solutions

What is the immediate solution? Funding. Start funding several accounts on autopilot, make them a part of your budget. It is that simple. I did it for years, and it works. When I need money, I take it from one of my accounts I created a long time ago. But, if you didn’t do it before, you can start now. You can auto deduct into all the saving accounts you need. The problem with those who have budgets are that they mainly include essential items, but omit quarterly, semi-yearly, or yearly bills and emergencies, vacations, health care and retirement. This is the reason you need to apply my personal budgeting for future sanity techniques.

Lois Center-Shabazz | Course Delta Agency
Personal Finance: Author | Blogger | Course Creator

Interested in a Free Discussion about how I can help you with Fantastic Finances? Let’s Chat – Make an Appointment Here

Get Your FREE Fantastic Finances Tips Course by eMail

How I Build Fantastic Finances ; Read More…

These are only 3 Tips to grow your bank account, Get More Here


3 Common Types of Mutual Funds


Types of Mutual Funds

There are many types of mutual funds within these three types of mutual funds. Here are the 3 different major types of mutual funds. The risks of mutual fund investing runs the gamut. There are very low risk to very high and many levels in between, within one type of fund.

Do your research thoroughly before investing, use my easy to understand ebook and course for research. Your understanding of   mutual funds will skyrocket.

My experience with mutual funds is long and wide. The information I share with you reflects my decades long experience. 

Get 6 Weeks of Fantastic Finances Tips Here

1. Allocation Mutual Funds
Risk: Low to Medium

Allocation mutual funds are a combination of stock and fixed income securities and are subject to the risks involved in each of these security types.

Stock markets are volatile and can fluctuate significantly in response to company, industry, political, regulatory, market, or economic developments. In general, the bond market is volatile with fixed income securities that carry the interest rate, inflation, price volatility and other risks. Another way to invest in mutual funds is in bond mutual funds.

types of mutual funds

2. Alternative Mutual Funds
Risk: From Low Risk to High

The mutual fund may invest in securities that may have a leveraging effect (such as derivative and forward-settling securities). This may increase market exposure, magnify investment risks, and cause losses to be realized more quickly.

3. Money Market Mutual Funds
Risk: Very Low

A money market mutual fund is a type of fixed income mutual fund that invests in debt securities. They are characterized by their short maturities and minimal credit risk. You could lose money by investing in a money market fund, but the chances are nominal.

Pick Up Your Free Downloadable Financial Printables Here

An investment in a money market fund (different from a money market saving account), is not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency. Before investing in mutual funds always read a money market fund’s prospectus for policies specific to that fund.

slay your finances, learn common types of mutual funds

There are many types of mutual funds which I cover in my full Fantastic Finances Course. 

3 Common Types of Mutual Funds

Learn to Invest: From Stocks to Mutual Funds in 47 Ways Will Clarify Mutual Funds for You.

Learn to Invest, Stocks to Mutual Funds

Lois Center-Shabazz | Course Delta Agency

Interested in a Free Discussion about how I can help you with Fantastic Finances? Let’s Chat – Make an Appointment Here

Get Your FREE Fantastic Finances Tips Course by eMail

How I Build Fantastic Finances ; Read More…

How to Save Money-68 Powerful Ways – Book Excerpt

How to Save Money; There Are 68 Powerful Ways to Live Rich and Save Money-Excerpt

how to save money in 68 ways

This kindle ebook will teach you how to save money in 68 powerful ways, it will become drastically easier for you to switch your mind to the money saving concept, and understand the many ways to save money easily. This is an excerpt from the powerful savings book, Live Rich Save Money! 68 Powerful Ways to Save Money, Now and Forever


“Live Rich” is a concept I created after years of frugal living, saving and investing, that has landed me in a comfortable lifestyle. I want to share this information with you, so you can do the same.

Ponder this scene; you see someone living in a mansion with eight luxury cars, the wife with five furs, and the kids in private school, but they could essentially be “living poor”.  Why? That could be their tax money they’re buying those things with, or their kids’ college fund, or their retirement money; they’re not investing savings, or they are simply living off loans. That is what is called “Living Poor”.

They are just one bad episode away from total financial collapse, right on top of all of their material excesses. This is more common than you think.

You heard my story if you read the “about me” section. I under­stood early how to “live rich” which is to save money on out of school loan debt by “living rich” with the power to budget, analyze spending, and save. The sooner you get the “live rich” message in your head the sooner you can enjoy “living rich”; now, and forever. That is, to buy most of what you want with the money you have with plenty left in the bank, and you can actually afford what you buy. When you learn how to save money early, you will avoid a lot of pain in the future.

how to save money, there are many ways

A Must See Now >>>at Amazon

“Live Poor” – also known as; complaining about your finances; getting further into debt with bad loans, overspending on most things, and not doing a “Live Rich” budget with what you have. You cannot get sick or your budget would collapse and your life would be consumed by misery.

The basic premise being “you are what you think you are”. If you think of yourself as “perpetually poor”, you will never dig yourself out of debt. All it takes is a small spoon to get started. Eventually, you will have a forklift full of financial success, and a life of peace and prosperity.

It always makes me sad when I see people who make a lot of money, but spend a lot more than they make, and they tell me they are saving nothing. Then the faucet is turned off.

No more contracts come in, or the million dollar business collapses, or  in the example of the last decade when, according to the American Manufacturing Association, Wikipedia, and CNBC business news, millions of American jobs went to China.

The American prison system is another constant source of job losses for U.S. workers. According to a non-profit group, Truth-out, companies can move into the prison system via Prison Industries (corporations can operate in the prison system with prison labor paying near slave wages).

After record job losses in the past decade, many people saw, for the first time, what it felt like to have no money coming in to feed those huge bills they had created when they were gainfully employed.  Some simply could not feed their families.

How to save money now

There are other more obvious major reasons for job losses in America. Other job loss reasons include – replacing several employees with one high-tech mechanized machine, and in the case of the last decade, the vast mortgage fraud scandals shut down mortgage companies, bank,s and retail outlets, after massive foreclosures.

In the documentary, “The Queen of Versailles”, a Sundance film festival favorite and re-aired by CNBC TV, the show profiled a super wealthy man who had a business selling time shares with predatory loans, to unsuspecting people. The purpose of the show was to portray how fun it was for his wife to decorate the 90 thousand square foot mansion they were building.

But before the show aired the money faucet was shut off, and his financial empire collapsed. Banks stopped issuing that particular type of predatory loan for poor and working class people to purchase time shares because many stopped making payments after losing their jobs.

The loans were given to people who could not afford a time-share and many did not know they were even signing a loan; they thought they were paying a monthly fee to use the time share. I know this because I have actually spoken to folks who had time share loans; but they did not understand it was a loan. There are ways to save money with loans, but you have to, at least, know you are getting a loan.

In the documentary, when the loan approvals stopped, over 8000 employees were fired and no money was coming in to feed the principle owner’s massively extravagant lifestyle. The owner said in the documentary that they had saved no money, not even for retirement or their kids’ college; now that was bizarre. He then re­sorted to getting a small loan just to keep up with some of their bills.

A “time-share” is when a building owner sells one apartment 52 times. The buyer purchases the right to stay in the apartment 1 of the 52 times. After you have paid off your loan, (and during the loan period), you have to pay a yearly maintenance fee for life. The “for life” part is the sticker shock people get when they realize this will never stop, something they failed to realize before they signed on the dotted line, and did not read the fine print.

Another example was the recent spate of young entertainers I have read about on yahoo news; one went to jail for not paying taxes when she was in the money, one lost her massive and lucrative cat­alog of songs for not paying taxes, and a few lost their homes. Several book authors were put in the local news in Atlanta because they would not pay their state taxes.

The fees and fines on back taxes are atrocious. Yikes, so many young people say, if only I could make a lot of money, I would be set. In this case, they made the money but didn’t pay their taxes, and they got set back in time, for a few decades with penalties.

Now you see why the lack of money is only part of the problem. Learning how to “live rich” no matter how much money you have is essential. In this case, the “live rich” principle is;  pay your taxes in a timely manner. Make your tax payments a priority, file your taxes and pay promptly if you owe.

how to save money in a powerful way


=>Buy a certified used car; Lexus, Infinity, or your favorite pre-owned certified new-used car, even if you can afford a new one; the overage goes into savings, retirement or a college fund.

=>Own two cars instead of the four you used to have, with quadruple the insurance and maintenance costs.

=>Buy a $200,000 house even though your mortgage broker tells you that you can afford a $350,000 house. Now, you have a mortgage you can easily afford. The broker will not be paying your monthly mortgage, you will.

=>Buy a three bedroom home you need, instead of that five bedroom home with the big heating bill, and the yard that takes your entire weekend to tend to, or an expensive gardening service to maintain. Now you have time for leisure or extra savings.

=>Go to a state university with no or small school loans, instead of a private university you have to take out large loans for. No matter how you justify it, having bills is stressful, especially if you didn’t have to get them.

=>Send your kids to a public grammar school, instead of the ritzy private school that breaks your personal bank. You will someday thank yourself for saving the money instead when you have a catastrophic event later in life. Do education enhancement at home and at the library. Currently, Kahn Academy is a free alternative to education enhancement.

=>Eat at home, preparing healthy meals instead of paying five times as much for food at a restaurant. You save money and you know the contents of your meals.

=>Buy a TV for two rooms in the house instead of five or six. You’ll save money on TV’s, your family can engage in conversation and read more, and you can more easily monitor what your family watches.

=>Decrease your window shopping, including mindless trips to clothing and shoe stores. What you don’t see, you don’t usually want. Staying out of the stores is even more of a savings. Put money in the bank you would have spent on unnecessary clothes or shoes

=>Work on any spending addictions you may have. The purpose of any addictive substance, including material things you don’t need, is to make you “feel good”. They make you feel good until you get the bill in the mail or run out of money early in the month. There are far less expensive and healthier habits that also make you feel good other than overspending.  Make a personal list and try those.

 “Let’s Go Live Rich, Saving Money Now!”  ~LiveRich, Lois


Low-debt is one of the most efficient ways to save money. Interest on high debts is long, lasting and very expensive. If you don’t have a low credit score, the cost is even worse. Those who lost their jobs during the job crises of the past decade and went through the trouble of paying debt down or off, on their home when times were good, found joblessness much easier.

This segment of jobless people had the least likelihood of homelessness when they were laid off. The same holds true with workers who find themselves suddenly disabled.

The lower your debt, the smaller your monthly bills to pay. The smaller your monthly bills to pay, the more you have peace of mind when paying your bills, and of course, the easier they are to pay.


Paying your bills on time avoids late charges. Say you are late on 5 bills; each bill has a $35 late charge. That is a loss of $175, WOW! That is a significant loss, month after month. The loss is huge. When you consider that late bill payments are one of the factors that decrease your credit score, and therefore interest on loans, this is another loss factor.

Pay your bills and pay them on time. Your land line phone bill, your cell phone bill, as well as your utilities, are tied to your credit report. Not paying those and any other bill on time will be reported to the Experian credit bureau. When you understand how to save money, that will not happen.

Bad credit will increase your interest rates and payments on everything. Some credit agencies will not give you credit at all for poor credit.

READ MORE NOW!!, Live Rich Save Money! 68 Powerful Ways to Save Money, Now and Forever –>Available Now! at Amazon.com. Understand, how to save money now!

Learn, how to save money now