Why Eclipse Financial Services

Eclipse Financial Services

Hi, my name is Reggie Moon.  My wife Sindy and I own a Real Estate Company on the Southside of Atlanta, Georgia.  Three years ago we added financial services to what we do for a very simple reason. Two out of one hundred people are going to buy a house this year, two! Out of those same one hundred people there are eighty five of them that are in for the biggest financial train wreck that has been seen for generations. So if you are in the business of helping people like we are, would it be better to JUST change folks address or change their financial trajectory?  I go with the latter.

Then who are going align with to help folks?    An entrepreneur that has done it maybe NEVER or one that has built not just one but two multi-billion-dollar market-cap financial services companies. We aligned with Hubert Humphrey with Hegemon Group International.    He originally built Primerica Financial Services and World Financial Group.  So if you are going to align with someone then why not go with someone who has already successfully done it.

If you do more than just change a family’s address then give me a call to discuss.  Reggie Moon, Eclipse USA Realty and Eclipse Financial Services.

Call or click 404-Eclipse(325-4773) www.404Eclipse.com

 

 

 

Budgeting Like a Boss

When it comes to creating your own monthly budget, sometimes planning is easier than the practice. Keeping track of finances can be tricky, but, with a few guidelines and time, you can take charge of your bank account once and for all.

Adopt a weekly allowance
Parents offer their children an allowance to teach them about saving money, and the same principles can be applied to your own spending as an adult. Set aside a specific amount for treats and other nonessential expenditures, and vow that once the money is gone, extras can wait until next week.Avoid eating your meals out

Planning out your meals for the week and grocery shopping ahead of time may seem like a pain, but it can help you save money in the long run. Eating out at restaurants and fast food places adds up significantly over time. Just remember to be cautious at the grocery store or warehouse store to avoid temptation buys.Consider saving to be a payment to yourself

Adding to your savings account after each paycheck is just as important as paying any other bill, so treat it as such. Choose a set amount to put away from each paycheck you receive and, before you know it, the number in your savings account will be something you can be proud of.

Save all of your receipts

Keeping receipts is a great way to see your spending in action. Sometimes it’s difficult to remember how much a cup of coffee a day or a take-out meal each week adds up by the end of the month, but putting your receipts in a secure spot and adding up the amounts can help prevent you from overspending.

Master Your Money or It Will Master You!

People make several mistakes when saving and investing for retirement, and one of the biggest ones is not getting started because they think they need a large sum of money to begin, says Tony Robbins, 54, an inspirational speaker and best-selling author.

 

Some folks think investing and personal finance are so complex that they “never take the time to figure it out,” he says.  His goal with the new book is to “help the average person to cut through all the complexity and all the mythology that is sold to us about how you really can’t manage your own finances, and show them that the best people on earth have given them the guideposts and the steps to go from wherever they are financially to where they truly want to be.”

But his advice isn’t guaranteed to make you money. Even professional investors took different paths to their fortunes.

 

After researching the new book, Robbins developed what he calls the seven steps to financial freedom. Those are:

 

Step 1. Make the decision to become an investor, not a consumer. “You don’t want to own an Apple phone, you want to own Apple,” he says.

You have to commit a certain percentage of your income to savings for your financial freedom. Whatever that number is — 10%, 15% — stick to it in good times and bad. Have it taken automatically from your paycheck and put directly into a retirement or savings account.

 

Step 2. Become an insider on investing. Know the rules of the game. Understand mutual funds and learn what mutual funds beat the market or their benchmark over any 10-year period. Look into the fees you are paying on mutual funds and how that affects your financial future.

He says people also don’t read the fine print on their investments so they don’t realize what fees they are paying. Just like there is compounding growth, there are compounding costs, he says.

If you are only paying 1% in fees, you will probably end up with a lot more in your final nest egg than if you are paying 3% in fees, he says.

He points out that if you had a $100,000 investment and were lucky enough to get 7% annually, paying 1% in fees, you’d have about $574,000 after 30 years. If you paid 3% in fees, you’d only have about $324,000.

“What you don’t know will hurt you in the financial world. But once you know these things, you’ll be able to take advantage of the system instead of having the system take advantage of you.”

 

Step 3. Make the game winnable. “Most people have a number that’s so big that they never begin the journey,” Robbins says. Figure out how much money you need for financial security and financial independence. Calculate this and come up with a plan. Look for places you can save more.

 

Step 4. Evaluate your asset allocation. “You have to create a bucket list. You have to learn where to put your money to keep it safe and where to put your money to grow it with some risk,” he says. Put your money in different types of investments, such as stocks, bonds, commodities or real estate. Diversify your investments.

 

Step 5. Create a lifetime income plan. Make sure you won’t run out of income for as long as you live. “Income is all that matters. Assets won’t buy your food. They won’t let you travel. You have to focus on income. The investment community wants you to think about keeping your money in assets.”

 

Step 6. Invest like the .001%. “That means learn from the very best on earth (Schwab, Icahn, Bogle, Dalio, Forbes and others he interviewed for the book), and what you learn from them apply and you’ll achieve financial security faster than you will any other way.”

 

Step 7. Just do it, enjoy it and share it. Make a commitment to be wealthy now, not in the future. “Start where you are, and you’ll begin to find out that there’s more than enough.”

Robbins advises people to educate themselves in investing. It’s worth the time, and it’ll pay off. “You master money, or it masters you,” he says.

Based on article written by:

Nanci Hellmick

USA Today

Referencing book written by:

Anthony Robbins

Money: Master The Game

Financial Services now hiring

The shortest path to financial prosperity is not hard work or big plans.  It is first understanding the rules of the Money Game! We are licensed financial services referral agents.  We work with an independent financial services marketing company as independent agents.  We provide expert financial needs analysis for every family and small business currently in North America.  We do this and then provide professional recommendations to reach those goals. In the ‘information age’ the rules of the money game are no longer a secret of the wealthy.   The financial industry is the biggest industry in the world and is triple the size as the 2nd closes industry, which is real estate.  Bigger than the second and third industries combined.

Additionally, currently financial services is dominantly men in their late 40’s early 50’s, which leaves a tremendous hiring gap.  There is a great need for women in the financial services arena.  “In an era where financial services firms face increasing competition from new market entrants, ever-present regulatory overhead and the challenge of achieving growth in a low interest rate environment, it’s critical to build greater innovation and flexibility into the workforce. A proactive approach to diversity planning will broaden the talent pool and enhance workplace culture to better prepare financial services firms to thrive in the future.” — Nigel Carter, Partner and Global Leader, Financial Services Industry

As you can see, men and women both are encouraged to delve into the financial services industry, however, we are strongly encouraging women especially.  We are trying to educate Americans on the fact that not only is there a need but this particular industry helps answer so many increased questions that plaque most.  Look into your options!!

Longer work hours, higher debt, few raises, horrible bosses, less family time — you can become a business owner regardless of age, ethnicity, background, experience level.  A year from now, will you be in the same place, financially, professionally?  Will you have the same schedule and the same boss?  Just know that you can be a business owner from coast to coast, with a world class education on how money works. You can get your life back, get control of your money, your retirement, you and your families future!
Find the off ramp from corporate America and be free and help all you know to do the same.

We’re hiring folks that want to take control of their own destiny.  Schedule your appointment for more information.

Sindy Moon, Broker, Marketing Director

Eclipse Financial Division

770-655-7726