Leesa Renee Hall http://leesareneehall.com Biblical Money Mindset Mentor for Christian Female Business Owners Fri, 25 Apr 2014 07:13:19 +0000 en-US hourly 1 The High Cost of Low Prices (Lessons from a Millionaire Coach) http://leesareneehall.com/the-high-cost-of-low-prices-lessons-from-a-millionaire-coach/ http://leesareneehall.com/the-high-cost-of-low-prices-lessons-from-a-millionaire-coach/#comments Thu, 24 Apr 2014 14:31:52 +0000 http://leesareneehall.com/?p=5352 giftI have the privilege of working with clients who are multiple six figure and seven figure earners. Last night, I had the chance to hang out with one of my favorite clients. He and I have worked together since 2009 and I’ve seen how his business has grown in that time.

He was bringing me up to speed on his business and travels. He shared that one of his employees has joined him at two workshops he’s attended. He pays for his employee’s hotel, meals and tuition to the workshop.

He said something that stood out…

He doesn’t pay for his employee’s flight. I was puzzled – that is until he shared that he flies with one airline exclusively. Because he has racked up a lot of miles with this one airline, he now gets a companion pass. With this companion pass, he can fly one person for free as long as he’s paid for his own trip.

You get perks when you’re loyal…

When you’re driven by price, you miss out on the bonuses that come with being loyal to one brand. I learned this the hard way. Very early in my business, I’d choose the cheapest flight and book the cheapest hotel. Sometimes, I’d fly to my destination on one airline, then return home on a different airline. All because I was price driven.

Now, I stick with 3 airline carriers and one hotel chain. I swipe my loyalty card every time I book with them. I’m racking up my points so I can use them for future travel.

The high cost of low prices…

When you’re always hunting for the deal, you waste precious time. Instead of using that time to earn money (such as making calls to clients, speaking to event hosts to find speaking opportunities or hosting a teleclass to drum up sales), you spend hours on the Internet visiting websites looking for the deal of the century.

Also, by booking your travel or hotel through a third party website, you incur additional fees should you need to cancel or change your booking. Once, I had to fly home early due to a change in my travel plans. I called the airline to modify my booking. They told me that I had to call the company where I initially booked my flight.

The company required that I pay the difference between what I paid for the flight and the cost of the flight right now. Okay, that’s typical. However…

  • They also wanted me to pay a $150 change fee (which was much higher than the airline’s change fee of $75)
  • Plus pay an additional $150 because I changed my booking less than 14-days prior to travel (this is the company’s – not the airline’s – unique policy)

Had I booked directly with the airline, I would not have had to pay the additional $300.

Finally, when you stay loyal to a particular airline and hotel group, your loyalty points can be used in the future, not just for business travel, but also vacation. Imagine being able to go anywhere you want in the world due to the points you’ve earned.

Instead of having to choose 1 or 2 places because it’s an all-inclusive deal, you can stretch and visit more exotic locations knowing that your airfare and hotel are free. Now that’s a wonderful reward for working hard and staying loyal to one brand.

Millionaires are millionaires because they get a lot of stuff for free. For some, it’s because of who they know. For others, it’s because they remain loyal. You can choose to envy the rich or you can play like them. The choice is yours.

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4 Ways to Get Credit If You Don’t Own a Credit Card http://leesareneehall.com/4-ways-to-get-credit-if-you-dont-own-a-credit-card/ http://leesareneehall.com/4-ways-to-get-credit-if-you-dont-own-a-credit-card/#comments Mon, 21 Apr 2014 12:12:51 +0000 http://leesareneehall.com/?p=5339 A client asked me this question just the other day:

“Leesa, how can I buy things online if I don’t own a credit card?”

There are actually 4 ways you can access “credit” if you don’t own a credit card and I share them in the audio message below.

Click on the play button to hear these 4 fabulous ways…

 

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Join Us for Seek Him First Saturday – April 19th http://leesareneehall.com/join-us-for-seek-him-first-saturday-april-19th/ http://leesareneehall.com/join-us-for-seek-him-first-saturday-april-19th/#comments Sat, 19 Apr 2014 02:15:44 +0000 http://leesareneehall.com/?p=5333 Join me and my team of Unleash Prayer Intercessor for Seek Him First Saturday, a live prayer and devotion, held over the phone, to help you become faithfully and financially rich.

We get started at 8am Eastern on April 19th…

Call the following number, then enter the access code at 8am Eastern on April 19, 2014 – and every Saturday thereafter. This week, LaTara V. Bussey will continue our series on how to pray. Angela Thornton of Wise Word Ministries will be leading in prayer. Grace-Marie Jones will lead us out in song.

We specialize in asking God for breakthroughs over your finances…

Our devotion and prayer time focuses on ways you can breakthrough your financial challenges. So, bring them to the table. If you need special prayer, you can leave your prayer request in the comment area below. Or, you can phone it in using the phone number below.

imgBadge-SeekHim

We’re also looking for praise reports. If one of our Seek Him First Saturdays helped you breakthrough your financial challenge, leave your testimony in the comments area below. Similarly, you can phone in your praise report using the phone number below.

Prayer Request / Testimony Line

Leave your prayer or testimony using the number below: (512) 827-0505 Ext 3939

Or, leave your prayer request below…

We’ll pray over your financial challenge so you can receive a breakthrough from God! Let us know what you need prayer for!

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The 7 Things I Learned About Money While Watching Judge Judy (Part 2) http://leesareneehall.com/the-7-things-i-learned-about-money-while-watching-judge-judy-part-2/ http://leesareneehall.com/the-7-things-i-learned-about-money-while-watching-judge-judy-part-2/#comments Thu, 17 Apr 2014 13:00:29 +0000 http://leesareneehall.com/?p=5294 judge-jI don’t watch much television, but I cannot miss my girl, Judge Judy. She’s brash, sassy and wise – and I love how she puts people in their place with some choice words.

After watching Judge Judy for…oh, I don’t know…several years, I’ve come to understand, through her rulings, how she would manage money. It’s these money management tips I’d like to share with you.

Here are the last 4 of 7 things I’ve learned about money while watching Judge Judy. I shared the first 3 in a previous post.

#4 – If it’s in your name, you’re responsible

Some well-meaning people will sign up for something in their name on behalf of a friend, colleague or associate. This includes cellphones, credit cards, cars, even pets. Unfortunately, the person doesn’t keep up with the payments. The individual who signed the agreement is not being called by collections agencies and has had their credit ruined.

There was a case where a woman was suing her niece for damages to a rental car. The niece was too young to rent the car on her own. Her aunt rented the car in her own name, told the car rental company she’d be the only driver, then handed the car over to her niece to drive.

Judge Judy could not rule in the aunt’s favour. The reason? The aunt lied to the car rental agency when she said she’d be the only driver. Therefore, the aunt was responsible for all the damages even though the damages were committed by her niece.

MONEY TIP: NEVER co-sign a loan or sign up for a service on behalf of someone else. Absolutely, never, ever, ever, ever.

#5 – Work

Judge Judy really HATES when able-bodied people come into her court and say they’re not working. Whether they’re the plaintiff or the defendant, Judge Judy doesn’t like when a healthy looking adult stumbles into her courtroom and gives no viable explanation why they’re not gainfully employed.

And for good reason. The Bible says that if you don’t work, you don’t eat. To Judge Judy, someone has no right to sue if they’re not working.

MONEY TIP: You need to work. If you can’t find employment in your industry, it’s either time to switch industries or start your own business.

#6 – File taxes

If someone in Judge Judy’s courtroom says they’re self-employed, the next question she’ll ask is “When did you last file taxes?” Nine times out of 10, the person stammers, saying “Um” to which Judge Judy bellows out “Um is not an answer!”

You’ve got to file your taxes. Whether you like the government or not, whether you’re collecting social assistance or earning a full-time income, you MUST file taxes. There’s just no excuse.

MONEY TIP: No matter how little you make, file your taxes. When you don’t, not only are you disobeying God (see XXX), but you’re also missing out on a variety of tax incentives.

#7 – If you’re lending out what has been lent to you, don’t expect the court to help you reclaim it

Often, people who are collecting social assistance, veterans or disability benefits will lend a portion of it out, then sue if the “loan” is not repaid. Judge Judy often says that she will not be complicit in the actions of someone who is trying to defraud a bank or the government.

If you were given money by the government due to your poor health, lack of employment or to cover child care or living needs, you can’t take that money and lend it to someone else. By doing so, it shows that you’re not really in need since you had enough to give away.

MONEY TIP: Don’t reallocate money given to you to cover your needs to other people.

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Why Being Rich In Relationships Is a Key to Wealth (a 90+ Year Friendship) http://leesareneehall.com/why-being-rich-in-relationships-is-a-key-to-wealth-a-90-year-friendship/ http://leesareneehall.com/why-being-rich-in-relationships-is-a-key-to-wealth-a-90-year-friendship/#comments Wed, 16 Apr 2014 12:21:34 +0000 http://leesareneehall.com/?p=5298 Steve Harvey featured two women on his show. They happen to be best friends and their friendship started when they were six-years old (they’re both over 100). Steve asked them to comment on a pop culture and you’ll die laughing at their responses.

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The 7 Things I Learned About Money While Watching Judge Judy (Part 1) http://leesareneehall.com/the-7-things-i-learned-about-money-while-watching-judge-judy-part-1/ http://leesareneehall.com/the-7-things-i-learned-about-money-while-watching-judge-judy-part-1/#comments Tue, 15 Apr 2014 12:57:04 +0000 http://leesareneehall.com/?p=5291 judge-jI don’t watch much television, but I cannot miss my girl, Judge Judy. She’s brash, sassy and wise – and I love how she puts people in their place with some choice words.

After watching Judge Judy for…oh, I don’t know…several years, I’ve come to understand, through her rulings, how she would manage money.

Here are the first 3 of 7 things I’ve learned about money while watching Judge Judy. I’ll share the remaining 4 in a follow-up post.

#1 – Don’t lend money to friends or family members

Countless people come into the courtroom and try to sue family members or friends for money that the former lent to the latter. No matter how Judge Judy rules, money always ruins the friendship.

Judge Judy would say from time to time “I don’t know why anyone would lend money. If a bank won’t give your friend or family member money, why should you?”

MONEY TIP: Never borrow money to lend money. Only lend what you can afford to give with the expectation that it will never be returned.

#2 – Don’t combine your financial resources as a married couple if you’re not married

Often, a jilted person will sue their ex-lover for the return of a sofa, dining room table, laptop and other household item that was purchased when the two were living together as an unmarried couple.

Judge Judy is very clear in these cases:

“The courts aren’t here to try to determine who gets the washing machine. If you wanted your stuff dived in half, you should’ve gotten married.”

MONEY TIP: Your best bet to wait until there’s a ring on it (like, wedding ring) before you move in with the person you’re dating. It just makes things simpler.

#3 – Always have a written agreement

I’ve worked with a client for 5-years on only a handshake. We’ve never had any problems. Unfortunately, not all my clients operate this way. I’ve worked with some very forgetful clients who asked for things that they could swear was promised in the agreement. We’d both consult the agreement only to see that what the client was asking for was an exclusion. I thanked God that there was an agreement in place to help us sort through the issues.

If there’s a disagreement between parties in her courtroom, the first thing Judge Judy will ask for is the contract or written agreement. If one is produced, that’s what Judge Judy will use to ajudicate the case.

MONEY TIP: Always write down what you’ve agreed to. Money is no excuse. You can hire a lawyer or do a search online for law services that offer contract writing for a small fee.

I’ll share the remaining 4 tips in a follow up post. What is reaction to the first 3 things I’ve learned about money from Judge Judy?

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Join Us for Seek Him First Saturday – April 12th http://leesareneehall.com/join-us-for-seek-him-first-saturday-april-12th/ http://leesareneehall.com/join-us-for-seek-him-first-saturday-april-12th/#comments Fri, 11 Apr 2014 12:15:33 +0000 http://leesareneehall.com/?p=5288 Join me and my team of Unleash Prayer Intercessor for Seek Him First Saturday, a live prayer and devotion, held over the phone, to help you become faithfully and financially rich.

We get started at 8am Eastern on April 12th

Call the following number, then enter the access code at 8am Eastern on April 12, 2014 – and every Saturday thereafter. This week, we’re going to look at why your prayers for financial breakthrough are NOT working.  Angela Thornton of Wise Word Ministries will be leading in prayer. Grace-Marie Jones will lead us out in song.

We specialize in asking God for breakthroughs over your finances…

Our devotion and prayer time focuses on ways you can breakthrough your financial challenges. So, bring them to the table. If you need special prayer, you can leave your prayer request in the comment area below. Or, you can phone it in using the phone number below.

imgBadge-SeekHim

We’re also looking for praise reports. If one of our Seek Him First Saturdays helped you breakthrough your financial challenge, leave your testimony in the comments area below. Similarly, you can phone in your praise report using the phone number below.

Prayer Request / Testimony Line

Leave your prayer or testimony using the number below: (512) 827-0505 Ext 3939

Or, leave your prayer request below…

We’ll pray over your financial challenge so you can receive a breakthrough from God! Let us know what you need prayer for!

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Tales of the Faithfully Rich (And Unrich) http://leesareneehall.com/tales-of-the-faithfully-rich-and-unrich/ http://leesareneehall.com/tales-of-the-faithfully-rich-and-unrich/#comments Thu, 10 Apr 2014 12:52:03 +0000 http://leesareneehall.com/?p=5286 I stumble upon stories that I never have the time – or enough words – to blog about. So, here’s a round-up of stories of the Faithfully Rich (people who have this money thing figured out) and the Faithfully Unrich (people who need a slap upside their head) that I’ve read this week.

I leave to you to figure out the difference between the Faithfully Rich & Unrich…

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Scam Alert: Crooks Posing as Your Government Tax Office to Steal Your Money or Tax Rebate http://leesareneehall.com/scam-alert-crooks-posing-as-your-government-tax-office-to-steal-your-money-or-tax-rebate/ http://leesareneehall.com/scam-alert-crooks-posing-as-your-government-tax-office-to-steal-your-money-or-tax-rebate/#comments Wed, 09 Apr 2014 13:20:54 +0000 http://leesareneehall.com/?p=5284 Millions of Americans and Canadians across North America will be filing their personal taxes before their government’s deadlines (April 15th in the United States and April 30th in Canada). The Internal Revenue Service (IRS) and Canada Revenue Agency (CRA) highly advise their citizens to file before the deadline to avoid late penalties.

Sadly, many are falling for a scam that’s robbing them of their money…

Crooks are posing as IRS and CRA employees and are calling American and Canadian citizen to say that they owe money and they need to pay right now. Typically, the citizen is told to wire money to the “office” or purchase a pre-paid credit card to send money to them so the debt can be cleared.

It’s a scam; don’t fall for it…

Here are some articles detailing this fresh new tax scam.

Your country’s tax office will never email you…

The IRS and CRA will always mail you if they need to get your attention. If you get a phone call from someone saying they’re from the tax office, hang up, find your tax assessment from the year before, locate the phone number for your local IRS or CRA office on the forms, then call them. Never take action just because someone called you.

What to do if you’ve been contacted or swindled by a scammer…

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What I Gained as an Anglophone With the Parti Quebecois Loss http://leesareneehall.com/what-i-gained-as-an-anglophone-with-the-parti-quebecois-loss/ http://leesareneehall.com/what-i-gained-as-an-anglophone-with-the-parti-quebecois-loss/#comments Tue, 08 Apr 2014 13:30:50 +0000 http://leesareneehall.com/?p=5279 flagI learned my first French words when I was 13-years old. My Grade 8 teacher, Mrs Drabique, spent an hour a day teaching us French.

I then fell in love with the language…

In high school, I took a French class all four years. Only one French course was required to graduate with a high school diploma, but I took a course in my freshman, sophmore, junior and senior years.

In university, I majored in French. I didn’t do too well. I decided to drop French as a major and instead, take French conversational classes just so I didn’t lose my French language skills.

Because of my love of the French language, I became engrossed in its national and international news…

I’d read L’Acutalité each month, a Quebec version of Maclean or Time magazines. I’d watch RDI, the French equivalent of CNN or CBC. I soaked up French news left, right and centre so I could not only improve my French comprehension skills, but also be in the know.

I became so utterly aware of sovereignty…

In Quebec, language is culture. The two cannot be separated. And because I majored in History in university, I know about the long history between the French and English in Canada.

Quebec license plates say “Je me souviens” which means “I remember.” What do they remember? A historian at my alma mater said that the French remember their embarrassing defeat in 1759 on the Plains of Abraham at the hands of the British. The victors then started to dictate the actions of the victims.

Since then, every generation has to deal with the issue of sovereignty. Sovereigntists want Quebec to secede from the dominion and operate as an independent country. Federalists want Quebec to remain a province within the dominion of Canada.

It’s a tension that every generation has to deal with…

I remember going on a six-week language bursary program in the Summer of 1998. I lived with “une famille Québécoise” for those six-weeks. I, along with dozens of other English Canadians made the trip on VIA Rail to Rivière du Loup, a small town in rural Quebec.

No one spoke English in Rivière du Loup…

I was forced to speak French the entire time. I wasn’t a beginner, but I also wasn’t fluent. So, it was a tough six weeks. I couldn’t understand mon père Québécois. He stopped talking to me after I kept saying “Pardon?” a half a dozen times. Ma mère Québécoise was a character. I understood her and had most of my conversations with her. Ms Aubine was her name and she was such a hoot.

When I was in Quebec, it was shortly after a referendum on sovereignty was held…

A question was posed to the people of Quebec. They were asked whether they wanted to start a conversation on making Quebec an independent country. (see this for more)

51% said “No.” The sovereigntists lost the referendum. AND THEY WERE PISSED. Jacques Parizeau, one of the architects of the referendum, angrily sputtered that the loss should be blamed on “money and the ethnic vote.”

I am ethnic and on top of that, anglophone…

While in Rivière du Loup, I was called “une petite anglaise.” I smiled, thinking it was a term of endearment. The daughter of ma mère Québécoise” was within earshot and told me, en francais, that being called “une petite anglaise” was a slur. The sovereigntists were still smarting after their lost in 1995 and some in Rivière du Loup made me and the other English students feel unwelcomed.

Even my instructor wanted to engage us in a discussion on sovereignty. Here we are, shaky with our French, and she wanted to have an intellectual political debate about why Quebec should become a country.

We were forbidden to speak English, but I remember saying, in English “This debate is unfair. I cannot articulate myself fully in French.” After much protect from the other students, the instructor said, in English “You’re right. Maybe another time.”

The decimation of the PQ party in the 2014 Quebec provincial election doesn’t mean sovereignty goes away…

Every generation has to deal with this. Mine was the 1995 referendum. Thirty years from now, it’ll be something else. The seeds are being planted, new leaders are being molded and the question of an independent Quebec will always dot the political discussion in Canada.

Here’s what I know…

Quebec cannot exist without Canada. And Canada cannot exist without Quebec. I am richer intellectually and culturally because someone took the time to teach me French so long ago. Because of that spark, the French language is as much a part of me as the colour of my skin and the experiences I have gone through.

Just like French cannot be separated from me, Quebec cannot be separated from Canada. Another Parizeau, Bouchard, Marois and most likely Péladeau will rise up to raise the sceptre of separation, but it will not happen in my Canada. Ever.

I thank God for the Parti Québécois defeat. I thank God that Marois is being sent packing. And I thank God for how He’ll work to keep Canada a united, strong country, no matter who will sing the song of separation in the future.

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