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MONEY TALKS!

THE ULTIMATE CRASH COURSE ON MONEY
FOR YOUNG ADULTS

by award-winning author

SALLY TAYLOR

NOW AVAILABLE!

Dear Friend,

Young adults today are … getting bad grades, dropping out of school, defaulting on student loans, losing jobs and future job opportunities, getting cars repossessed, ruining their credit ratings, and filing bankruptcies at records rates. They’re moving back in with parents again and again – and parents are spending their own retirement funds trying to bail them out. Even worse than that, though, is the psychological impact of debt on today’s youth. It can result in depression, substance abuse, and suicide.

 

We have to teach them how to handle money …

It’s no longer an option …

Ralph Waldo Emerson said, “Money is of no value; it cannot spend itself. All depends on the skill of the spender.”

This has never been as true as it is today. Learning about money is crucial to living a successful life. Research shows that if you learn how to manage your money, you’ll be more successful in other aspects of your life. You’re likely to get better-paying jobs, become homeowners, and plan for retirement. You’re also likely to be healthier and happier.

In other words, money talks. It opens doors. It offers opportunities. It makes life easier.

With Money Talks!, you’ll be able to teach your teens how to avoid credit card debt, how to avoid identity theft, how compounded interest works, why balancing a checkbook is so important, a simple way to pay bills, and much more. In Money Talks!, you’ll learn the …

7 Simple Steps

Everyone Must Know To Manage Money
And Start Building Wealth

1 - Writing a check

2 - Using ATM and debit cards

3 - Balancing your checkbook

4 - Setting your financial goals

5 - Paying your bills

6 - Using credit cards wisely

7 - Saving and investing your money

Plus, you get 4 bonus steps

8 - Opening A Checking Account

9 - Paying Taxes

10 - Avoiding Identity Theft

11 - Reviewing Your Credit Report

So, take control of your money … and your life!
And Give Your teens the tools they need to do the same!

ORDER Money Talks! TODAY!

Order Now!

Or pick up the phone and call 24/7 toll-free 1-866-635-1899 now!

Ordering is easy!

• Order now with Visa, MasterCard, American Express, or Discover at our secure site
• Call toll-free 1-866-635-1899 to talk to a customer service rep 24/7
• Fax order with credit card information to 661-254-1553
• Mail order with check/money order to Silly Goose Productions, PO Box 800252, Valencia, CA 91380

What a great way to help you start the "money conversation"
and get your teens started out right!

 

Plus, you can get the book all parents wish they'd had
when they were teens… the award-winning
On My Own™: The Ultimate How-To Guide for Young Adults
and The Ultimate Bill Paying Tablet!

 

Order now!

LOOK INSIDE

Click here to learn more about Sally Taylor’s award-winning
On My Own™.
Now in its 2^nd printing!

Here’s what adults are saying about Money Talks! “… you’ll find [Money Talks!] a valuable resource when … you’re encountered by [a fist full of bills and bank statements in your mailbox]. I applaud you for reading this book!” — Lynn Jenkins, CPA, Kansas State Treasurer “This is information everyone needs to know, regardless of age. Knowing these seven basics could make the difference between surviving on one’s own or not.” — Sylvie Bland, parent “I was personally touched by your presentation …It is a challenge to work with the youth of the community and see them struggle with their lack of confidence and low self-esteem. Your words were inspiring and I felt that you are indeed making a difference in the lives of those you touch. I admire your commitment.” — Maria Serrano, State of California Employment Development Dept. “Sally knows how to reach teenagers. She breaks money into simple steps that anyone can handle. And she tells them the truth about credit cards. It’s a real eye-opener for these teens.” — Mike Nugent, high school teacher “I enjoyed your presentation at the California Home School conference and have found your book to be just as impressive and insightful as you are. I am bringing my 16-year-old son and his friend to your [money] presentation. I look forward to hearing you again.” — Barbara Lewis, mother and home-schooler “Thank you for putting ‘Mom and Dad’ in book form with advice young adults can actually use. Your book speaks for parents everywhere!” — Barb Corsa, parent

Award-winning author and speaker Sally Taylor
has the perfect program for you and your students …
and she’s taking it on the road …

Money Talks!
The Ultimate Crash Course on Money

Sally will show your students:

• the true costs of using credit cards

• how to set up a simple system to pay your bills on time – every time!

• how to manage your money by balancing your checkbook – and why you can’t just call the bank for your balance

• the power of compounded interest -- and how it can work for you by saving -- or against you with credit card debt

• how to start building wealth and become a millionaire if you plan right!

• how to avoid identity theft

• what your credit report says about you to bankers, employers, insurance agents, and more!

Money talks.
It opens doors. It offers opportunities. It makes life easier.

Help them start out with confidence!

Pick up the phone now and call Sally today to schedule Money Talks! The Ultimate Crash Course on Money for your students. It’s one of the best investments in their future you will give them.

Call today to book Sally Taylor’s popular programs:

  Money Talks! • Believe In Your Dreams • Life Skills 101 •
Suicide Is Not An Option • Time is Ticking

 Click here for more information on Sally Taylor’s classes.

 

Toll-free 1-866-635-1899            sally@onmyown.com                  www.onmyown.com

Sally Taylor is author of the award-winning On My Own:™ The Ultimate How-To Guide for Young Adults and The Ultimate Bill Paying Tablet. She’s a life coach for teens and has a passion that inspires them to become pro-active, responsible young adults. Sally speaks and teaches life skills classes, including her most popular: Money Talks!, a crash course on money; Life Skills 101; Believe in Your Dreams, a course on goal-setting; and It’s Not an Option, a course on suicide prevention.

(Photo by Don Brent)

Here’s what teens are saying about the Money Talks! course … “The class was very cool. It makes you think more about when you spend money and how to use it. [Sally Taylor] showed me a little about the world and how hard it can be – or how easy it can be. I’m going to be smart with my money.” — Michael, age 17 “Money Talks! is awesome. [Sally Taylor] showed me … how over-confident I was [about money].” — Brian, high school senior “Sally [Taylor] was very inspirational and taught me that I have something to offer in this world. I know that I am only one person out of all those students, but I believe if you can change the way one person thinks about themselves, then maybe you did something right.” — Brooke, high school senior “… the class was great! I learned a lot of stuff about money.” — Jose, age 17 “… very informative course. I wish my friends would have seen it!” — Jessica, age 14 “I’m encouraged not to get a credit card now! I learned how important your credit rating is, information about check-writing, balancing a checkbook, and bill paying. It was very helpful.” — Brendon, age 16 “… the class will help me in the future with paying bills and learning how to make money on my own. This class also taught me a lot of things about money that I never knew and nobody would have told me. Thank you for the experience.” — Cynthia, age 17½ “I learned the most from the investment section.” — Ean, age 17 “I really liked the class. There were a lot of basic things I knew, but some I didn’t, which turned out to be very important.” — Kasey, age 17 “Bounced checks are horrible! It was good to learn about that. I like the example with the pizza. Thanks. It was great!” — Lindsey, age 20 “Thank you for giving me encouragement to believe in my dreams and for inspiring me.” — Laura, age 17

How many credit card offers has your teen received?

It’s easier today for a young adult to get a credit card than it is for you and me to get one. Isn’t that amazing? Young adults are getting into long-lasting trouble with credit cards today. It’s never been easier for them to get a card. The market for young adults is very valuable. According to industry research, young consumers remain loyal to their first cards as they get older – so college undergraduates receive an average of 8 credit card offers during the first semester of school. And although these cards may start out at 0% to 5% interest, within 3 months, most are charging 18% or more. (Have one late payment, and interest rates sky-rocket to 24.99% and up!)

There is no requirement for an income or credit history to get a card. And parents don’t have to co-sign.

There is also no class to teach them how to use credit cards responsibly.

And, when asked, teens don’t know that credit cards are “borrowed money.” They think it’s “income.”

Let me share a few statistics with you:

• More than 78% of undergraduates have an average of 3.5 credit cards with a balance of $2,748. Nearly 10% owe more than $7,000 on credit cards.

• More students are leaving college now for financial reasons, rather than for academic reasons.

• Nearly 7% of our nation’s personal bankruptcies are filed by those under the age of 25.

Consider this: Young adults ruin their credit ratings for 7 to 10 years because they don’t know how credit cards work.

For example, let’s say 20-year-old Joe charges $3,000 on a credit card that charges 18% interest. (Of course, he bought really important stuff, like pizza, gas, a great pair of jeans, a new stereo for his car, clothes for a girl he dated for three weeks … You get the idea …)

1. How long do you think it will take Joe to pay off that $3,000 if he only pays the minimum monthly payment?

a. 3 years
b. 10 years
c. 37½ years

~ Amazingly, it will take Joe 37-1/2 years to pay off the original $3,000!

2. Any idea how much interest he’ll pay to borrow that $3,000?

a. $546
b. $4,283
c. $7,930

~ It will cost Joe almost $8,000 to borrow $3,000! Great deal for credit card companies. Not so great for Joe.

Money Talks!

It’s cheaper than the cost of one bounced check!

Money Talks! breaks money into 7 simple steps so that everyone can learn the basics. If you don’t learn what’s in this book, you’ll never make it to the saving and investing part of life. If you want to live your life, and you want your teens to live their lives, not worrying about money, you must learn the 7 simple steps in Money Talks! It’s the foundation for your life … for your teen’s life.

Research shows that if you learn how to manage your money, you’ll be more successful in other aspects of your life. You’re likely to get better-paying jobs, become homeowners, and plan for retirement. You’re also likely to be healthier and happier.

Don’t you want all of that for your teens?

• Teach your teens about money.

• Because … money talks.

• It opens doors.

• It offers opportunities.

• It makes life easier.

And, for those who never learn to manage their money, they’re likely to have lower productivity at work, stay in low-paying jobs, and change jobs quite often. They’re more likely to live paycheck to paycheck. They’re more likely to be renters, not homeowners. They’re more likely to need government and community assistance just to get by. And they’re more likely to have high stress, both at work and at home. Money is the number one cause of divorce and domestic violence in the U.S. Is this the life you wish for your teens?

If you’re finding that you’re a bit defensive about the topic of money, let me ask you this: When you were born, did you know how to walk and talk? Read and write? Drive a car? Balance a checkbook? Raise children? Dance, sing, cook?

No.

You had to learn how to do all of these things.

And, you had to learn about money.

And, you have to teach your teens about money.

It’s that simple.

You have to learn about money!

Did you know that …

… the financial decisions your teens make today can impact them for years to come?

… one bounced check for a $7 pizza can cost $83 with service charges?

… $3,000 charged on a credit card at 18% interest with just minimum monthly payments made will take 37½ years to pay off -- and cost $7,930 in interest?

… those payday/check-cashing businesses popping up on every corner charge up to 800% interest?

Here’s the good news: Learning about money is as easy as 1-2-3 !

Help your teens learn the 7 simple steps featured in Money Talks! and they’ll be well on their way to having financial independence. Learning about money is crucial to living a happy, healthy, successful life. And isn’t that what you ultimately want for your teens?

Use Money Talks! as a tool to teach your teens about money.
It really is that simple.

• Money Talks!

• It opens doors.

• It offers opportunities.

• It makes life easier.

Now, let’s make sure you – and your teens -- are speaking the same language … The language that will lead to a financially-independent life!

Order Money Talks! now and
start talking to your teens about money today!

 

Ordering is easy!

Order Money Talks! Now!

Or pick up the phone now

and call toll-free 1-866-635-1899!

Option 1: Click the link below and order securely online using your MasterCard, Visa, American Express, or Discover.

CLICK HERE TO ORDER BY CREDIT CARD
USING OUR SECURE SERVER

Here’s a tip from page 77 of Money Talks! When making a purchase or inserting any personal information online, make sure the site is secure by looking in the address at the top of the page for https://... The “s” means it’s a secure site. There also should be a padlock symbol at the bottom of the screen. (On an Apple computer, using Safari, the padlock will be in the upper right corner.) If you don’t see either one of these, do not insert your information.

Option 2: Call toll-free 1-866-635-1899 anytime to speak with a live person.

Option 3: Fax your order with credit card information to 1-661-254-1553.

Option 4: Mail a check or money order to Silly Goose Productions, LLC, PO Box 800252, Valencia, CA 91380.

There's absolutely no risk here. You cannot possibly lose or waste a penny.
Try my books risk-free for a full 365 days. If they aren’t everything I've promised and more,
just send them back and you'll get a prompt and cheerful refund.