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“Using the Enriched Academy program I was able to eliminate $13,000 of debt in the last 6 months.”

Ketty

“Before starting the program I was emotionally drained, felt helpless and was watching my debt climb. Now, I feel in control over my money.”

Kyla Moora

“We left the bank and my wife said, "I didn’t even understand what you two were talking about. You would think you have been talking about this for 10 years...”

Tyler

“.My main focus is for my son to learn and obtain as much information on finance [as possible]”

Vilma And Daniel

“Prior to taking the course I was giving my money to a financial advisor and trusting they knew what they were doing... I quickly realized how little I knew.”

Scott Kells

“Enriched Academy explains things in such simple terms, giving me so much confidence. I pulled all my money from my financial advisor and now invest on my own.”

Jeff Poh

“I have made some major financial decisions that have benefited my family and yours can too.”

Linda Stephens

“I am much more focused, happier and confident with my money. I now feel like I have a responsibility to share what I know with friends and family members.”

Marisol S

“By the end of the event I have never seen such an amazing impact on our agents from a financial and knowledge standpoint.”

Ron And Teresa

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An Interactive Blog

Oct 09 2020
What are You Thankful For?

What Are You Thankful For?

As we approach one of my favourite holidays of the year (aside from Passover, and Christmas, and Hanukkah, and my birthday), I’d like to check in with you to see what you’re thankful for?

I’ll start. I’m thankful for the health of myself and my family and friends, and also the financial education that my parents taught me at a young age, which now has provided me with the financial freedom to not stress about money. And I’m 33 years old. How many 33-year-olds do you know who can say that?

As the head of coaching for our Financial Freedom program, our program sees 1000’s of clients every year who are in really difficult situations because of a lack of financial education. Just remember, this is not your fault. We live in a broken system. But there is a way that you can make a change, and that change starts with altering your behaviours and habits.

How To Make Habits Stick

We all know bad habits are easy to pick up and hard to drop. Good habits on the other hand? Well, if it was easy, we would all be wealthy and fit (and able to wear the same jeans that we did in high school). I’m currently struggling to fit into the same pants that I was wearing before COVID hit. Damn you quarantine.  
 
But I’m going to let you in on a super easy secret that can help you create strong, lasting habits.
 
Make those habits as easy as possible. 

If you sat down and made a list of habits that you go through in a day, you can probably come up with around 10-20 of them. Here are a few of mine that may help you to create your list.

  • Wake up and make coffee.
  • Review budget.
  • Read finance blog.
  • Walk the dog.
  • Brush my teeth.
  • Make breakfast.
  • Clean dishes.
  • Get dressed in workout clothes.
  • Work out.
  • Do yoga.
  • Shower.
  • Make lunch.

Pretty crazy eh? It’s not even 1 pm yet and I’ve already gone through 11 habits that I don’t think about. I’ve gotten into a routine where I just do them.  

Atomic Habits is our favourite book on creating winning habits. The author, James Clear, outlines a few tips you to follow... 

Use this formula: I will (behavior) at (time) in (location). For example, instead of saying, “I will budget each month.” Try, "I will budget on the 1st of each month at 5 PM in my office." 

Every habit is initiated by a cue. The cue triggers your brain to initiate a behavior because it predicts a reward. We are more likely to notice cues that stand out. Setting an alarm on your phone for 5 PM monthly is a cue that you need to budget. 

Forming a new habit is hard so Make it Easy. We really strive for that in our Enriched Academy Programs.

And now I’d like to share with you:

5 Money Habits of Wealthy People 
 

These concepts are honestly so easy, and they truly are the key to building wealth. We see most of our successful Financial Freedom clients live by these means, and you can start to see results today if you follow the list below.

  1. Live below your means. Spend less than what you earn. It’s as easy as that. Sit down and go through all of your sources of income, and everything that you spend money on. If you have money left over every month, and are putting money into an investment account, you’re beyond the majority of Canadians. If you’re overspending though, then you need to make some cutbacks unless you want to end up in debt for the rest of your life. It’s not about making more money. It’s about living with what you have and being smart with it. If Warren Buffett is worth over 70 billion dollar and lives in the same home that he bought 50 years ago for $31,000, and drives a modest Cadillac, then you can live within your means as well.
  2. Learn one new thing a day. No one has ever gone broke buying books. I read a daily personal finance blog that keeps me up to date with what’s going on in the world. If your new thing is a recipe, or a craft, or a new trade, then that’s awesome. But just force yourself to learn something new.
  3. Small steps each day. Have you ever read a book or taken a course but quickly found your motivation evaporated? Wealth is given to those that take small consistent actions daily. Ask yourself, what is one small thing I can do today to help me make progress with my finances? 
  4. Track your net worth and budget monthly. You cannot improve what you don’t measure. These two numbers are the foundation for financial and time freedom. 30 minutes per month, that's all it takes. This is one of the biggest ways that we measure our clients in our Financial Freedom coaching program. We get them to track their Net Worth month and start to track their cashflow as much as possible. This way, they can see the correlation between the two. When you start to track your cash flow, and you spend less than what you earn, then your Net Worth goes up.
  5. Learn to say “no”. Only spend money on things that bring you an immense amount of joy and happiness. Everything else, say no to. 

Once you’ve got the top 5 habits above in place, you’ll start to see dramatic results with your finances. You’ve just laid down the foundation to becoming financially successful. Congratulations. But there’s still more work to do! You need to review your financial goals and plan each month. Step 1 is creating that plan. Step 2 is constantly reviewing and making changes to your plan as things change. If you are not constantly reviewing your plan you could be headed in the wrong direction and not even know it. 

When COVID-19 hit and our economy, we worked with all of our coaching members to revise their financial plans because so many things were changing all at once. Some of our clients had lost their employment, their investment portfolios were going down, their kids were home from school, among many other things.

The one thing that we’ve heard over and over again is how thankful our Financial Freedom clients have been for having us work with them throughout COVID-19. Even though some of our clients have seen a decrease in income, they’ve seen an overall increase in their Net Worth. This education that we provide is something that will be with you forever. And we can help you change your habits.

Just the other day I received a note from one of my past students. It made my heart go all warm and fuzzy inside.

“I am not exaggerating when I say that what you all do is life-changing! You helped us so much and we are forever grateful ????”.

So, if you’re ready to take control of your finances and join the 1000’s of Canadians who have gone through our Financial Freedom Coaching, sign up here for your coaching assessment to see if we can help you.

You’ll be thankful.

Happy Thanksgiving!

Aug 31 2020
Unhappy with Your Credit Score? Here's Some Ways to Fix It

Have you ever gone through your bank to take a look at your credit score and haven't been super happy with the results? Or have you ever looked into getting a mortgage or needing to borrow money, and nobody will give you a loan? It's likely because you don't have a credit score that's in tip-top shape. This article will explain what a credit score is, and how to increase it. 

What is a Credit Score?

You Credit Score is a number (typically between 300-900) that is based on your credit report. Your Credit Score your financial report card, and it’s used by lenders to predict the likelihood that you will repay any future debt.  Your Credit Score is based off of your Credit Report, which is a summary of how you pay your financial obligations. Lenders use your Credit Report to verify information about you and how you have been with paying off your financial obligations in the past.

Why is This Important?

Your Credit Score will determine if you are a risk to lenders and it will affect the interest rates that you pay on any loan that you’re applying for. If you have a “Poor” – “Fair” score, and are looking at securing a mortgage, you may not qualify through a bank or Credit Union. You may have to go with a B-Lender or even a Private Lender, where you’re looking at interest rates 3-6% higher than a traditional A-Lender.

The Credit Score is one of the metrics that we track in our Financial Freedom Coaching program, and if you can believe it, we’ve helped our average coaching client increase their credit score by 21 points in a 6-month period.

How Can I Increase My Credit Score?

There are 5 main ways that you can increase your Credit Score. All of these ways need to be monitored and properly managed in order to work.

  1. Payment History: this is the most important factor in your credit score, and it makes up to 35% of it. Creditors want to know that you’re going to pay back the money you are asking to borrow from them, so they will look at what your payment history has been like from previous consumer debts. ALWAYS make your payments on time and make the full (or at least minimum amount owed) payment each time.
  2. Amounts Owed: this makes up about 30% of your overall score, so it’s an important one. How much you already owe on your debt vehicles will really matter to a lender. Try to keep your credit utilization rate less than 35% of your available amount, and don’t max out all of your available debt vehicles. If you use a lot of your available credit on your debts, lenders see you as a great risk EVEN if you pay your balance off in full by the due date.  

For example, if you have a credit limit of $10,000, you should not carry a balance of more than $3,500.   

  1. Length of Credit History: this makes up about 15% of your score. Creditors and lenders like to see that you’ve been able to handle credit accounts correctly over a period of time. Newer accounts will lower your average account age, which may negatively impact credit scores. Never cancel one of your first cards because that marks the beginning of your credit history. 
  2. New Credit Applications or Credit Checks: every time you apply for more credit, your score will be affected, so try to limit hard inquiries. There is a difference between a soft credit check (checking your credit score) and a hard credit check (looking for more credit). Every time you do a hard credit check, your credit score will be lowered. This takes place when you apply for a mortgage, loan or credit card. 
  3. Use Different Types of Credit: You should have at least 2 credit vehicles open (credit cards, LOC’s, car loans and mortgages.) Showing you can manage different types of credit will have a positive impact on your score. 

You should check your credit report and score once per year. One small error can have a horrible long-term impact on your credit score, which is why we get our Wealth Mastery and Financial Freedom Coaching clients to check it. Your credit score is like your financial report card and having a bad score can have a really negative affect on your long-term financial plan. We’ve helped 1000’s of clients increase their score by an average of 21 points through our Financial Freedom one-on-one coaching program. If you feel like you need a little one-on-one help, make sure to sign up for our free Coaching Assessment Call.

Jul 26 2020
What's up with these Robo-advisors?

It’s been a few years now since the term Robo-Advisor has surfaced, and we get a TON of clients in our coaching program not knowing what it is. So, while you sit there, scratch your head, and wonder what this new type of tech is, I'll explain it to you. As easy as possible.

What is a Robo-Advisor

A Robo-advisor is a new class of financial advisor. It uses algorithms to provide investment management and/or advice with little human supervision. Using a certain type of software and algorithms, a Robo-advisor is able to figure out your asset allocation, and then build a portfolio for you that is only made up of ETF’s. From there, they actively manage your portfolio whenever necessary; buying, selling, and re-investing dividends. Don’t want to do self-directed investing but still want to invest in ETF’s? A Robo-advisor may be perfect for you.

What are the Fees?

Since Robo-advisors don't use a lot of human management on the back end, they often have lower management fees than other investment firms. Robo-advisors charge an MER on Assets Under Management of anywhere from 0.30%-0.60% for their services, and then the ETF portfolios typically charge an average of 0.10%-0.30%. At the end of the day, this is probably going to put more money in your pocket because you’re saving a bundle on fees.

Let’s break down how that looks compared to an actively managed account from one of the big banks. Canada has some of the highest mutual fund fees in the world with an average 2.3% in MER fees. Let's say you have a portfolio of $100,000 with a financial advisor. You're probably paying an average 2%-2.5% MER or $2000-$2500 in commission regardless of how your fund performs. But if you're using a Robo-advisor, you're only paying a commission of $400-$900 (based on the 0.40%-0.90% MER). That extra money that you're not paying in fees will go a long way with that sweet principle called compound interest.

Which Robo-advisors is best for me?

Good question! This really depends on your preferences, your goals, and the portfolios that the Robo-advisors use. Each Robo-advisor offers something different so it’s important to take a look at which one works best for you. Here are some of the different things to look into;

  • Fees. Although this isn’t the most important thing, it is an important factor.
  • ETF’s that make up the portfolio.
  • The dashboard.
  • Other benefits. Some Robo-advisors provide you with a dedicated financial advisor, estate planning, insurance needs, tax-loss harvesting, etc. This may be something that you require, so it’s good to look into your own personal needs.  

And now?

Well.....there’s no better time than the present, and if you find that your returns haven’t been stellar over the last few years, it may be time to re-think your current investment strategy. Or maybe you’re ready to grab the bull by the horns and start tucking away some money for long-term financial growth if you don’t have any high-interest debts that you need to pay off.

And if you feel like you’re still lost, and need some one-on-one guidance, consider signing up for a coaching assessment call to learn more about our one-on-one coaching program. We can provide you with a deep dive analysis on your current investments, teach you about alternatives, and provide you with unbiased assistance to make the most of your money. You can sign up for your coaching assessment call here.  

Jun 17 2020
Time to Crush Your Debts - For Good

Crush Your Debt – For Good

Have you heard about our brand spankin’ new program that we launched in May? It’s for all of you out there that have a little (or a lot) of debt to pay off. And we’re not just talking mortgage debt. This goes a little bit deeper than that. This program is tailored specifically for those who have credit card debt, line of credit debt, personal loans, and debts to family members. Interested in finding out more? You can take a look at the program here: https://enrichedacademytraining.com/debt-sales-page

Why did we create this program?

Getting out of debt is hard if you’re not educated on a wide range of topics. After launching our coaching program back in 2017, we saw a need for continual education surrounding debt. We kept seeing the same debt patterns time and time again, and we wanted to help our followers get out of debt by being able to use the same tools and worksheets that we use with our one-on-one clients. Introducing…….our Debt Elimination Program.

What’s so great about this program?

I think the question is, what is NOT great about this program? It’s specifically constructed to provide you with the education, tools, and resources that you need to get rid of your debt. These are proven methods that we teach to our one-on-one clients, but now you can have access to the education, the resources, and the worksheets to feel more empowered and confident in the next steps. The principles work, so long as you’re willing to do the work yourself.

The other thing that is really great about this program, is that we wanted to make it affordable because we know that getting out of debt can feel really daunting. We priced this at $197+tax. That’s it. And you get 7 modules, tools, resources, and an exclusive Facebook group to ask questions and get support.

What do you cover in the program?

Here are the 7 modules that we cover:

  1. Creating Your Net Worth Tracker and Analyzing For Quick Fixes
    1. This is probably the most important thing that you can do to help organize your finances. We’re going to teach you how to go through all of your assets and liabilities with a fine-tooth comb and figure out any opportunities you can go through to get rid of your debts faster.
  2. Understanding Your Cash Flow and Creating Your Budget
    1. My personal favourite module is all about creating your budget, and figuring out different way to manage your cash flow moving forward so you can prioritize your spending towards what matters most (getting out of debt).
  3. Creating New Goals and Tracking Your Spending
    1. Chances are that you got yourself into this debt because you didn’t track your money coming in and money going out. We’re going to help you create some realistic goals that you can stick to moving forward so you can get our of debt faster.
  4. Using the Debt Crusher Tool
    1. We have this really amazing tool on our website that calculates how much you need to put onto debts to get rid of them by a certain time. This really looks into goal setting.
  5. Organizing Your Debts and Understanding Different Paydown Methods.
    1. Consolidation? Debt Avalanche? Debt Snowball? If you don’t know what these methods are, it’s difficult to focus on one thing at a time. This module teaches you all about those different method.
  6. Understanding Compound Interest and How Your Credit Score is Calculated.
    1. Do you know your credit score? Do you know how your credit card or line of credit calculates interest? If you don’t, this module is for you.
  7. Financial Freedom
    1. Ahhhh yes. Finally, debt-free. Now what? This module will take you through how to become financially free and what the next steps are.

So, if you’re unsure of any of the module breakdowns mentioned above, it sounds like you’ll get LOTS of value out of this course. Come check it out. You can learn more about it here.

Meet the people behind
the company.

Susan Hollingshead
Executive Administrator

Everything that happens in support and administration - Susan plays a key role in keeping things running smoothly.

Alanna Abramsky
Head of Financial Coaching

An incredible leader and sought after speak, Alanna leads our coaching team turning education into action for thousands of Canadians.

Arian Beyzaei
Vice President, Sales

Driving our online division, Arian is a passionate leader and a world-class speaker at Enriched.

Jay Seabrook
COO / Co-Founder

Relentless in his development of customer focused processes, Jay leads the operations and plays a key role in ensuring long -term client success.

Kevin Cochran
Co-Founder

As a founder of Enriched, Kevin remains one of the most sought after speakers in the country on the necessity of financial awareness.

Todd Peterson
CEO / Partner

Todd has spent almost 20 years helping build, shape and grow companies to multi-million dollar revenue status. He also brings a unique perspective on technology & financial intelligence to Enriched Academy.

Kevin Mccarthy
Head, Corporations and Institutions

The former Chief of Staff for Finance Minister Flaherty, Kevin brings tremendous leadership and process expertise while heading our Corporate, Education and Government practice.

Amy Martin
Director, Education Support

With more than twenty years in management and customer service, Amy is passionate about serving our education partners and developing processes that make their experience with Enriched Academy extraordinary.

FAQ’s

I am not financially savvy, is this information going to be over my head?

No way! Learning how to save money, crush debt or build wealth is not complicated. This is funny, entertaining and extremely easy to follow. You will be amazed at how fast you can learn this!

What age group is this for. Can I buy this for my kids?

Absolutely! From 15 to 90 - there is information relevant to every stage of your life. Take a sneak peak...sign up to a free webinar and see what we do first hand!

Can Enriched help with Employee Health and Wellness?

Smart thinking! Money is the biggest source of stress for employees. We have a simple process to equip your team with the education and the resources to turn it into action. And this is WAY BEYOND a simple lunch an learn. Online - Anytime!

What makes Enriched So special? Isn’t this type of info available in books and on the internet?

Great question. Truth? The concepts aren’t complex. But we are world class when it comes to explaining what things mean - and where the tips, tricks and pitfalls matter most with your money. This is entertaining, inspiring and hard-hitting with the right amount of support and resources to help you take better control of your financial health. We don’t sell stocks, mutual funds or get quick rich schemes - just the truth about what you need to know when it comes to financial awareness.

The education is great, but I tend to procrastinate and ignore money issues. Can you still help?

We can do a lot for you - but you need to help us out a little. We will provide the education, incite and inspiration - and if you need it - a personal coach to give you a kick in the pants on occasion. You just need to want to make a change. We can help with the rest!

Does Enriched Academy have a Money Back Guarantee?

We do! And while we cannot guarantee any results...ever...we definitely stand behind our material. But don’t buy our courses unless you really want to make a change. We don’t want it sitting around unused. We want to make a difference in your financial health and awareness. When you buy something from us - all we ask is you try to follow through. There is a reason you signed up - so let us help. Get in there, watch some material....make an effort to learn more about money. It’s worth it. If you really don’t see the value and want your money back - at least you will leave us with a bit more knowledge and awareness than when you started.

We’d love to hear from you! Connect with us anytime or fill in the details and we’ll get right back to you!


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