Welcome to the New Total Candor Premium Membership Program!
We're so excited to start this often requested service, we want money to be no object so . . . we are practically giving membership away. Seriously. Premium memberships start at just $9.99 per month! For real. With just a three month commitment. Learn about our membership packages.
What is Total Candor premium membership? I thought everything at Total Candor was free.
Everything that was free at Total Candor is still free. This includes our robust financial resources, the Beyond Paycheck to Paycheck blog (including Q & A), and a basic motivational summary. We are introducing premium membership now in response to frequent requests for more access, more details, and deeper understanding of living Beyond Paycheck to Paycheck.
Now, we're going to provide you what you need through monthly teleseminars, private coaching sessions, tax preparation, and more!
Should I become a Total Candor Premium Member?
Do you ask questions like these as most people do? In all likelihood, you've never received any financial education. Not in junior high school, high school. Even in college, you probably weren’t taught about money basics. Instead they just told you to enjoy the free t-shirt along with your brand new no-annual-fee credit card and you were on your way . . . to debt.
Now, like most people, you find yourself living paycheck to paycheck. Maybe a little better, perhaps a bit worse. Still, wouldn't you like to improve where you are? Even if you don't have creditors calling your home, you've probably been thinking about asking for help (especially after your 401(k) balance plummeted) but are unsure about where to turn. You're skeptical or even afraid that you’ll find an "advisor" who puts his or her interest ahead of your own and, worse, that you won’t find out until it's too late.
We know what this feels like, so we created our premium membership programs. Remember: the only thing we sell is financial planning education—no financial products of any type. No insurance. No mutual funds. No come-ons for annuities. The other shoe isn’t going to come down. There is no other shoe. We simply teach.
How will you teach?
As a Total Candor Premium Member, you can participate in our monthly teleseminar. The next call is coming soon. If you can't make it, don't worry; each call is recorded and can be played back at no additional charge for 30 days to all premium members.
What will you teach?
Click here for a detailed list of upcoming teleseminar topics or read this overview:
After you're blown away by the power and implications of the miracle of compounding interest, we’ll discuss cash-flow. Not just another word for budgeting, we’ll cover the implications of your spending on your wealth as move into the Top 10 Savings Strategies. Not just motivation, but the empowerment to start creating, on your own, that little financial cushion that will grow for your future. Ultimately, you’ll understand the difference between being cheap and being fiscally responsible.
We’ll deal with the reality of your current debt situation. You’ll appreciate the difference between good debt and bad debt and leave with precise strategies for lowering your bad debt the right way right away. Needless to say, this section is hugely important for many people.
In addition, you’ll learn a totally legal strategy whereby you may be able to increase your retirement plan contributions without lowering your net pay! And we'll give you the tools to easily execute the strategy.
You'll gain an understanding for the advantages and disadvantages of various types of insurance. As important, you’ll learn the right questions to ask of anyone selling insurance to you. Auto, renters, life, and disability insurance are all on the docket.
Of course, you can’t have a financial planning education without learning about retirement planning. Sure, it’s a metaphor, but it’s one that will stay with you long after the workshop ends: learn about the myth of the three-legged stool and the need to turbo-charge your pogo stick. Plus, we'll compare the difference between money in your left pocket and money in your right pocket. Included in this section are 401(k) plans, Roth IRAs, and traditional IRAs.
While we’ll never tell what to specifically invest in, we’ll educate you about your options. You’ll know the right questions to ask before allowing anyone else to invest your hard-earned money. You'll be able to invest confidently, not skeptically.
Since tomorrow is promised to no one, we’ll also cover the basics of estate planning. This section alone will help you sleep better at night, especially if you are married or have kids.
You'll also receive your FIRST THINGS FIRST checklist. On this will be your top priorities. It won’t be overwhelming. But it will be life-changing. You'll finally have your financial act together.
Indeed, by becoming a premium member, you’re getting the motivation and the tools to take control of your financial life.
What are the types of questions you'll be answering on the teleseminars?
If you're asking yourself these questions, you should seriously consider one of our membership packages.
Who leads the calls?
Michael B. Rubin will lead all the 2009 calls. Michael is the author of Beyond Paycheck to Paycheck: A Conversation About Income, Wealth, and the Steps in Between. In addition, Michael is a CPA, a CERTIFIED FINANCIAL PLANNER™ professional, and recipient of two business degrees. Michael has appeared on Fox News Chicago, radio stations across the country, and has been quoted in numerous publications including The Wall Street Journal, Investment News, Smartmoney.com, and Financial Advisor Magazine.
How much does premium membership cost?
As little as $9.99 per month, depending on which of the membership options you choose.
Why just $9.99? Most programs cost much more than that.
We see no reason to charge more just because we could. We'd rather have more members at a lower rate than fewer at a higher rate. Yes, it's a different strategy than most businesses follow, but it's to your benefit, so all we can say is, take advantage.
What are my membership choices?
So far, we've only told you about the teleseminars. We think that member benefit is worth many times what we’re charging. But we're adding more value to each package. With that, here are your three options for Total Candor premium membership.
Total Candor Premium Membership:
Building Blocks Level
In addition to all of the resources available to basic members, as a Building Blocks level member you will receive:
Lowest Price Option:
$19.99/month or save 50% and pay just $9.99/month when you purchase three months upfront!
So get this: you have to file your taxes anyway, right? If you sign-up for three months right now, you'll pay $29.97 and receive a $25 discount on your tax prep. That basically makes the 3 hours of financial education with expert Michael Rubin (valued at $150) cost you less than five bucks! Now what's your excuse again for waiting to take your personal finances to the next level?
OR
Total Candor Premium Membership:
Beyond Basics Level
In addition to the resources available to basic members, as a Beyond Basics level member you will receive:
- One 30-minute private coaching session with financial education expert Michael Rubin, CPA, CFP every 6 months. (Value: $250 per call / $500 per year)
- A monthly 60-minute teleseminar call led by Michael Rubin where you'll learn the most important and timely financial planning topics. These teleseminars will get you on track - and help you to stay on track by answering questions like these. (Value: $50 per call / $600 per year)
- A free copy of Beyond Paycheck to Paycheck and the right to purchase as many additional copies as you like for $15.99 (Value: at least $24.95)
Great Price:
$49.99/month or save an extra $50 right now by paying just $244.00 for your first six months.
Keep in mind that many CPAs and CFP's professionals charge more than $244 for just one hour of their time. With a Beyond Basics membership, you'll receive three hours of financial education and 30 minutes of one on one time with Michael Rubin. Add in the $50 of tax-prep savings (you need to do your taxes anyway, and wouldn't it be nice to have it done correctly, affordably, and with maximum legal tax savings?) and this begins, we think, to be a no-brainer.
OR
Total Candor Premium Membership:
Best Bang (for the Buck) Level
In addition to the resources available to basic members, as a Best Bang level member you will receive:
- One 30-minute private coaching session with financial education expert Michael Rubin, CPA, CFP every three months. (Value: $250 per call / $1,000 per year)
- A monthly 60-minute teleseminar call led by Michael Rubin where you'll learn the most important and timely financial planning topics. These teleseminars will get you on track - and help you to stay on track by answering questions like these. (Value: $50 per call / $600 per year)
- A free copy of Beyond Paycheck to Paycheck and the right to purchase as many additional copies as you like for $15.99 (Value: at least $24.95)
Best Price:
$79.99/month or save an extra $150 right now by paying $798 for your first year! (Keep in mind that $798 is about $2.19 a day. Add in just the tax savings and your true cost is under $2 a day. Isn't your financial future worth a lot more than that?)
To review, that's 12 hours of financial education, 2 hours worth of one on one time with Michael B. Rubin, CPA, CFP, $100 in tax prep savings, a free CPMT (worth $150) and a free $25 book that alone could set your financial life in a new (and much better) direction.
Together, you're looking at $1,635 of value, yet you can sign up for less than half of that cost. No reason we called this membership level Best Bang for the Buck!
OR
Where’s the catch?
Remember, this is Total Candor. There is no catch.
You’re not going to try to sell me something else once I join?
Nope, this is us trying to sell you something: Please join us as a premium member, at whatever level makes sense for your individual circumstance. That’s what we’re selling. Nothing else. No financial products of anytime. We won't even give you specific investment advice - though we will educate you.
Will you sign my book?
Of course.
How do I join?
Just view the premium membership packages and select one.
When do I get my book and CPMT?
We'll
ship your items this week. You'll receive an email in advance
requesting you complete a very simple form so we have the data to
prepare your CPMT.
When can I have my initial private consultation?
If you purchase a six-month Beyond Basics or 12-month Best Bang membership, you can schedule your consultation right away. We are currently scheduling meetings to occur within two weeks of new membership. If you purchase a monthly Beyond Basics or Best Bang membership, your initial private consultation will occur during your sixth or third month of of membership respectively. All the other discounts and offers are available to you in the first month, however.
What can we discuss during our private consultation?
Just about any financial planning topic you like. Michael can lead the meeting if you are unsure where to start, or you can come with your own questions (or a combination). Note that neither Michael nor Total Candor will ever provide you with investment advice. Education about investing, however, is certainly fair game.
Can I ask you another question?
You just did.
I mean another question besides that one (and this one)?
Of course. Just email us.
Again, here are our membership packages.
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