Isaac Financial Coaching

08/18/2020

I was recently introduced to Ron Kingham (thank you Kevin!) and had a brief conversation with him. I just finished reading a book he has written and recommend it to all. The book - his life story is really inspiring. It is a quick read, just 245 pages and I loved it. It is a story of an ordinary man aligning with an extraordinary God and then amazing things happen. He was born in Oakland, and spent his life in California. So he is a local!

I hope you get a chance to read the book and are blessed.

Lines in Pleasant Places: One Man's Adventures of Faith in the Living God

06/01/2020

Have you EVER been able to attend an international leadership conference? Well, you can now! And at no cost! Some of the speakers are Simon Sinek, LeCrae, Condoleeza Rice, Ray Johnston, Rick Warren.. The incredible list goes on & on. Join me at the conference!! Register now for FREE.

https://thriveconference.org/

05/26/2020

Families don’t really PLAN to get into consumer debt.

“Nothing is impossible, the word itself says 'I'm possible” - Audrey Hepburn, actress

Families don’t really plan to get into consumer debt, they just fall into the quagmire of debt and are unable to find their way out.

For those who didn’t plan, the current job losses, reduction in hours etc. has made life even more difficult for them. For some the impact has been so great that they considered bankruptcy.

I have coached many families through their financial storms, no matter how big or small, and helped bring them hope and direction so they could move forward.

Click here to schedule YOUR complimentary consultation

“Our greatest glory is not in never falling, but in rising every time we fall.” - Confucius

05/08/2020

Are you wondering how you are going to make rent or mortgage payments?

The CORONA Virus has had an adverse impact on a multitude of people across the world. Job losses have been in the millions. For some the impact has been so great that they considered bankruptcy.

I have coached many families through their financial storms, no matter how big or small, and helped bring them hope and direction so they could move forward. If you are facing financial hardship, please connect with me and I will be happy to guide you to a number of resources that can help your specific situation.

“Our greatest glory is not in never falling, but in rising every time we fall.” - Confucius

Contact me to schedule YOUR complimentary consultation

04/28/2020

It was the best of time. It was the worst of times.. Charles Dickens.

Corona virus has not really been the best of times for many people across our country and across the globe. The layoffs, furloughs and reduction in hours has had a great financial impact on almost all.

But one group, though impacted was not devastated, they are managing to meet the challenges head on – even though many of them have limited financial means.

The other group are not doing so well. For them it is the worst of times.

The difference? The first group had learned to manage their expenses and incomes and saved for such an emergency. The second group, regardless of their income level, had not managed their money.

I coach people in both groups – families earning in the six figures and those barely making a living; and help them achieve their financial goals.

“I’m grateful that John made time to be my accountable partner since I’m a single parent to personally help coach me and answer my questions. I look forward to continuing the “money” process.”
Carrie V

“Our greatest glory is not in never falling, but in rising every time we fall.” - Confucius

John Isaac

Master Financial Coach
(916)500-8194
[email protected]

Do you wonder where the money has gone each month, are you concerned about the future? It doesn’t have to be that way. I can show you how!!

04/28/2020

09/25/2019

Hello friends: I am looking for a marriage counselor and an investment adviser in the Roseville, Rocklin & Sacramento areas that I can refer my clients to. Do you know someone whom you like & trust? If so, please message me their name & number.

John Isaac
Master Financial Coach
(916)500-8194
[email protected]
https://www.facebook.com/Isaacfinancialcoaching/

09/24/2019

Are you one of these?

• Nearly 10 percent of those making $100,000 or more say they can’t make ends meet.
• Overall, most workers said they are in debt and many believe they always will be.
• Seventy-eight percent of full-time workers said they live paycheck to paycheck
• Four in 10 adults, if faced with an unexpected expense of $400, would either not be able to cover it or would cover it by selling something or borrowing money.
• Twenty-eight percent of those with a credit card paid only the minimum on their bill at least some of the time.
• Nearly one-fourth of borrowers who went to for profit schools are behind on their loan payments
• Less than two-fifths of non-retired adults think that their retirement savings are on track, and one fourth have no retirement savings or pension whatsoever.

If you answered “yes” to any one of these questions, contact me immediately. I will help and walk with you, teaching you how to BUDGET, ELIMINATE YOUR DEBT, SAVE and RETIRE.

John Isaac
Master Financial Coach
(916)500-8194
[email protected]
https://www.facebook.com/Isaacfinancialcoaching/

09/16/2019

As a Financial Coach, I get asked about not so smart ways to pay off debt!

People ask, “Why shouldn’t I refinance my home and consolidate all my debt in one low monthly payment?”

My answer is, “NO, because it’s dumb”

Let’s peel that onion. Why is that dumb?
1. Let’s do the simple math first. If you take $20,000 in credit card debt and consolidate it with your 1st mortgage at 4.25%, you will have paid $15,400 in interest alone over the life of the loan. I would not call that smart.
2. Alternatively, you could have paid off the $20,000.00 loan in a couple of years using the debt snowball method the Dave Ramsey champions and I coach people on.
3. Now the legal. Credit card debt is unsecured debt. If you default on it, the credit card holder cannot foreclose on your home. It therefor makes no sense to convert an unsecured debt to a secured debt.
4. The most important reason: BEHAVIORAL. By consolidating your debt you have not eliminated the debt, but simply changed the nature of the debt, and most importantly, have not changed the underlying behavior that caused you to get into debt in the first place.
5. The cycle will be repeated, and you will not have Financial Peace.

The fastest way to eliminate debt is to pay it off. If you want Financial Peace, contact me for a no obligation, no cost consultation and I will walk with you through the process.

John Isaac
Master Financial Coach
(916)500-8194
[email protected]
https://www.facebook.com/Isaacfinancialcoaching/