Dr. Dean

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EMERGENCY MONEY RESUSCITATION (EMR): HOW TO PUT BIG MONEY IN YOUR POCKET RIGHT NOW—GUARANTEED!

By DEAN BURKE, MD

To get Dr. Dean’s FREE gift to you ($27 value), send an email to info@themillionairenurse.com

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CONTENTS Congratulations Home Finance Banking & Credit Cards Phone Savings Computer Software & Hardware Energy Savings Gasoline & Auto savings Household Financial Management

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To get Dr. Dean’s FREE gift to you ($27 value), send an email to info@themillionairenurse.com

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CONGRATULATIONS In this special FREE e-book, I have included tons of money saving ideas, tips, and websites that I discovered while doing research for my book, The Millionaire Nurse: A Proven Financial First-Aid Kit for Building Wealth and Achieving Freedom. These are guaranteed to save you money. I have divided them into categories for easy reference. They range from hints on financial management, saving energy, to high tech freebies. I have sprinkled in what I call “Band-Aids”—these are money saving tips, with websites to help keep you awake, and to remind you that part of learning to be a Millionaire Nurse is to know that you can enjoy life and have fun, without borrowing money to buy the latest toy or gadget. One of the most important things I teach in The Millionaire Nurse is respect for small expenses, that over a lifetime add up to big money. I want you to be aware of how your money is spent, not just big ticket items like a home or car, but the day to day budget busters that are out to mess with your financial planning. As I have stressed, the ability to be a Millionaire Nurse is within you. It does, however, require you to learn to cultivate the right habits. You want to learn proper financial thinking that results in results. On the other hand, in this age of Twitter, YouTube, Facebook, and the blogosphere world, why reinvent the wheel? There are many money saving suggestions published daily, many of which are great-why didn’t I think of that-stuff. I am including my favorites in this special free e-book. This is to give you a taste of how you can get started on your journey from Financial Intensive Care to Millionaire Nurse Hall of Fame. To get Dr. Dean’s FREE gift to you ($27 value), send an email to info@themillionairenurse.com

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HOME FINANCE to mention adding more debt when you are trying to get out from under your current debt load-it makes no sense. It is certainly not what I teach my Millionaire Nurse candidates. This Millionaire Nurse super duper emergency savings account should be separate from your “building wealth” savings account. It should be like the doors with alarms at emergency exits labeled-Emergency Use Only-opening this door will result in an alarm and the police will be called! If you have a spouse, an emergency meeting is required before you remove money from your “ESA” (emergency savings account). You should agree on the amount of money to be removed as well as how you are going to replace it before the next emergency occurs.

The most important financial tool for families trying to reach financial freedom and success, may also be one of the most boring, a passbook or money market savings account. This is not just any savings account like your grandma recommended, this is The Millionaire Nurse super-duper emergency financial savings account. An unexpected expense, even a small one, if you have no financial cushion messes up your best laid financial plans. The AC goes out in the middle of the dog days of August, the transmission or your brakes have to be replaced, or a child is injured while playing little league baseball, all not in your budget. When these unexpected expenses occur, and you don’t have an emergency savings account, then you make dumb financial decisions with a capital D. What mistakes I have seen when there is no cushion for the unexpected! Pay day loans with their mountainous interest rates, credit cards, with their high fees, not 4

BAND AID 1 For a great web si te that provides th e best rates on savin gs and money mar ket accounts try www. moneyrates.com

How much should you put in your “ESA” depends on where you are in your transition to Millionaire Nurse status. If you have a lot of debt, in addition to your home, then a small emergency fund-from $500 to $2000 will suffice. This should be done before you start to work paying down your debt. For more information see my discussion of debt in The Millionaire Nurse. If you have no significant debt and are building wealth, then your emergency fund should be more substantial, in the range of 3 months or more of your monthly household expenses. This will handle any unexpected household bills, as well as cushioning more major unexpected stresses like a prolonged illness, or layoff in the family.

To get Dr. Dean’s FREE gift to you ($27 value), send an email to info@themillionairenurse.com


Banking & Credit Cards

Banks are under fire, with foreclosures, credit card bad debt piling up, and other financial losses too difficult to explain, their incomes are suffering— how does that affect you-they have to make money somewhere—so up goes your fees and penalties. Make sure you know exactly what it costs at your bank for bad checks, overdraft protection, and ATM fees. Make sure you understand your banks’ policies for deposits and withdrawals. When you write three checks, the bank may withdraw the largest first, leaving you with three bad checks, and the resultant overdraft/bad check fees, rather than the first two checks that may have been smaller, and would have cleared, leaving you with three fees/penalties instead of one. The average charge for an overdraft now is about $25. It doesn’t take long for these fees and penalties to add up to real money. When you are struggling to get out of debt, it hurts to have to pay these charges, so be aware of what they are, and don’t do it. You can also make sure that your bank is competitive when it comes to these fees and penalties. Go to www.bankrate.com for a great website that allows you to compare banks, fees and interest rates on various savings plans, CDs and checking accounts. Credit Cards Credit Card debt is exploding. Until you can pay off all your cards and destroy them, here are tips to help minimize their costs. Credit card users-you want the lowest fees and expenses. No universal default clauses, always pay your balances in full, and if not, make sure your cards interest rates are competitive. Call your company, ask for a customer service supervisor, and request a

lower rate-threaten to close the account, but only if you mean it. BAND AID 2 www.rhapsody.com This site is a well known music download site, not as well known is that they allow 25 free songs per month, and access to a list of free radio stations. Try www.classiccat.net for free classical music. With a little effort even Amazon.com has a few free music options under ‘browse mp3’, then “most popular. Make sure you know your limit. Keeping your balance below 50% of your limit will help your credit score. The average fee for going over your limit is $30. Don’t do it. Fees for late payment average $25, so set up a system at home that will allow payments to arrive well before the due date. They don’t care if your mail wasn’t picked up or if you slept in that day and forgot to pay online. A great independent site for comparing different credit cards is www.federalreserve.gov/pubs/SHOP/surveyapr.htm Other sites such as www.creditcards.com and www.cardratings.com can be good for comparison shopping, but be warned, they also have ads and ways to apply for a new card, so be careful-you don’t want to be like a drunk in a liquor store, make sure you are improving your situation, not making it worse.

BAND AID 3 Use www.kayak.co m or www.gate1travel.c om to plan your ne xt trip and save hundreds , but don’t put it on your credit card-have th e money in the bank !

To get Dr. Dean’s FREE gift to you ($27 value), send an email to info@themillionairenurse.com

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PHONE SAVINGS Get rid of your landline if you don’t ever use it. If you need to keep it try an Ooma (www.ooma.com). It allows you to have FREE long distance for life! This can decrease land line costs by $350 a year and up to $1,550 in your third year of using an Ooma. It’s definitely worth checking out if you don’t know about it. If you want to keep your current landline carrier-call your provider, ask for a customer service supervisor-let them know you are considering switching to cable phone service, or one of the online phones. Negotiate a better deal that works with your specific phone usage. Get rid of three way calling, get an inexpensive digital message machine and get rid of the phone companies voice mail, that you pay for monthly. Make sure your cell plan matches your usage. Take your bill in to the cell store, and have it analyzed by them to make sure they don’t have a cheaper plan that matches your usage. Many people will save by using pay as you go phones, these are great because there is no contract to break with its attendant fees and penalties, like there are with most yearly plans. If you are in debt-eliminate all but the minimum cell phone services-you don’t need texting, voicemail, caller ID, and all the other costly add ons, 6

when you are trying to get out of debt-remember it is a temporary sacrifice to reach Millionaire Nurse freedom.

BAND AID 4 Free ringtones- w ww.myxer.com-sea rch the site for free rin gtones

To get Dr. Dean’s FREE gift to you ($27 value), send an email to info@themillionairenurse.com


Computer software and hardware We can all benefit from the competition between Google and Microsoft. Web based software options are increasingly competitive with expensive products like Microsoft Office. Especially if you have specific needs such as a spreadsheet or database program. Try www.openoffice.org for a free productivity suite that is highly rated Try www.freewarehome.com for many free software programs that are rated by users, with excellent descriptions of the various programs available. The site also contains many add-ons or apps that can be used to tweak/improve existing programs such as Outlook or Excel.

BAND AID 5 For easy sharing of your pics, videos, an d mp3’s between phon e, and computer tr y www.dazzboard.com , and of course it’s FREE!

Band-Aid 6: Great site for you high tech or high tech wannabe’s who are also on a budget or broke-check here before making any new tech purchases: reviews.cnet.com/budget-tech/?tag=TOCleftColumn.0

The latest buzz in computer hardware is the advances in netbook computers. For many users who need more than a smartphone, but don’t need a full laptop with its expensive bells and whistles, a netbook is a great option. They provide great websurfing ability as well as supporting limited versions of popular software. Try www.cnet.com for reviews.

To get Dr. Dean’s FREE gift to you ($27 value), send an email to info@themillionairenurse.com

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ENERGY SAVINGS (how to save the planet, while being a Millionaire Nurse) Energy costs, as we all know, are soaring, both home energy bills, as well as gasoline/transportation costs. How can we decrease our expenses in this category? At home, the least sexy, but frequently by far the most cost effective, is good ole weather stripping, caulk, insulation, and foam to stop our hard earned money from fleeing the house through cracks and crevices. Many experts say we can decrease our energy bills 20% by making the home more “tight.” Oldies but goodies also include programmable thermostats, ceiling fans, (remember to reverse them in winter), slow flow shower heads, and hot water heater blankets. Also don’t forget those new generation light bulbs-CFL’s and LEDs. Remember many appliances now have Energy Star ratings that confirm energy efficiency and may provide tax breaks, when you have to buy a new one. www.energystar.gov See my new book, The Millionaire Nurse, for insider secrets on how to purchase large appliances. High tech software is available to help you manage home energy use. Google is testing a program that will work with smart power meters to help you decide 8

what is using the most energy in your home-the first step in lowering energy costs. Check www.google.org/powermeter to see if it is available in your area. It is already in use in over 3 million homes across the country. Early adopters estimate a 10-20% savings on home electricity bills. Another viable option is TED the Energy Detective. www.energycircle.com/store/electricity-monitors/ ted-the-energy-detective.html TED is an electronic device placed on your main electrical line that will monitor your homes electricity use. It can be combined with computer software to really pinpoint ways you are using power and how to save. Band-Aid 7: Know which gadgets still use power even when turned off. For those gadgets, like computer speakers, printers, cell chargers, tvs-those red lights are not on for nothing- try out a smart plug-it turns them off automatically after a period of non-use. www.energycircle.com/store/power-strips/bitssmart-surge-strip-10-outlet.html

To get Dr. Dean’s FREE gift to you ($27 value), send an email to info@themillionairenurse.com


Make sure your tire pressure is accuratesee the recommendation found on the driver’s side door. Use this handy programmable gauge to keep the recommended pressure in memory so you don’t have to look it up every timeAccutire Set Point™ Programmable Tire Pressure Gauge-available at Amazon. com and most car parts stores. This also saves on tire wear-new rubber can cost over $400 on many autos today. Slow starts and stops, turning the car off when in long lines, and keeping speeds under 60 miles per hour also save substantially when you hit the gas pumps. Remember to change the oil as frequently as recommended for your car and don’t buy cheap oil. Some of the newer types of oil can be changed less frequently. For more information on little-known tips on getting the best deal on car purchases, grab a copy of my new book, The Millionaire Nurse. To get Dr. Dean’s FREE gift to you ($27 value), send an email to info@themillionairenurse.com

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Household Financial Management Managing your home requires a significant portion of your monthly budget. This includes the energy and utility costs discussed above, but also clothes, food, entertainment, insurance, and mortgage or rent. Let’s find money saving options right here at home….. In The Millionaire Nurse I give you tons of tips and strategies on budgeting, grocery shopping only with lists, clothing allowances, but for brevity, try blogs that have numerous posts on saving money. Some of my favorites are www.thesimpledollar.com, www.getrichslowly.org/blog or tightwad.com

BAND AID 8 bizrate.com is a gr eat source to com pare prices when you ar e shopping from ho me on many different types of purchase s from tech to clothing. Cable or satellite television is also getting quite expensive. When you are trying to erase debt, you may want to consider dropping down to basic cable or getting rid of paid television all together. You can get free television programs on www. joost.com or www. veoh.com. Also available from www. netflex.com are copies of your favorite shows, either streaming or dvds. Have a high tech. friend connect your television to your internet connection. Band-Aid 9: Have you ever been really aggravated when you shop online and it asks for your discount code and you had no idea what they were talking aboutcheck out currentcodes.com for a web site that keeps up with special offers available from hundreds of online retailers-just be careful and only buy what you really need-if you truly want to be a Millionaire Nurse Identity Theft Identity theft causes losses in the 100’s of millions annually in the USA. It also causes time and 10

productivity losses that are immeasurable. Get identity theft protection today. It is important that the plan you choose does more than freezes your credit, choose a program that deals with all aspects of protecting and restoring your credit, potential financial losses and peace of mind. Visit www. zanderins.com/idtheft/idtheft.aspx You should also check your credit report several times a year to be sure it is accurate and that you have not already been a target. www.annualcreditreport.com will allow you to check with one of the three reporting bureaus for free: Experian- www.experian.com , Equifax- www.equifax.com and TransUnionwww.transunion.com. If you rotate your request between each credit bureau you can check three times a year for free. You can obtain your actual FICO score from www. Myfico.com but this requires payment of a fee. If you have recently applied for a loan or have a good relationship with your bank, they may give you your FICO score if they have it on file. Remember your credit reports are listings of your actual loan/debt/ payment information as collated by these independent private credit bureaus. Your actual FICO score is a number that is derived by the Fair Isaac Corporation using their own formula that is then used by most lenders to determine your credit worthiness.

BAND AID 10 A great website fo r ongoing reviews, and recommendations about getting thin gs done in a do it yourself manner is www.lifeha cker.com Warning -this site can be addicting. In summary, The Millionaire Nurse is not just about a bank balance, it is the total change in mindset and attitude that can make the difference in whether you and your family are successful with managing your personal finances and gaining control and freedom over your life. Please continue to check in with us at The Millionaire Nurse web site (www.themillionairenurse.com) for additional information on ways I can help you become a MILLIONAIRE NURSE!

To get Dr. Dean’s FREE gift to you ($27 value), send an email to info@themillionairenurse.com


Looking for a powerful keynote speaker for your upcoming nursing, healthcare, or hospital retreat? Contact Dr. Dean’s Team to learn about how his crowdpleasing keynotes can be customized to meet your event needs. Call today to find out about availability.

For Bookings Call: 229.220.0339 Email: info@themillionairenurse.com Fax: 229.246.1683 The Millionaire Nurse, LLC 1906 Legette Drive Bainbridge, GA 39819

To get Dr. Dean’s FREE gift to you ($27 value), send an email to info@themillionairenurse.com www.themillionairenurse.com

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