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"In July 2005 I was referred to Mark Zaifman for some much needed financial counseling. My experience has been positive throughout. I received detailed information through his sophisticated computer program that charted and advised my expected cash flow to age 94! I also received sound, practical advice from him about buying or renting a new home and how best to invest my equity so that I could live into my 90's without financial stress.

Mark has lengthy experience in his profession and possesses a comforting expertise. He is dedicated to working with the whole person which goes way beyond the financial numbers. Mark even offered to maintain contact with me until I landed on the other side of a major life change.

For all of this I am grateful and would recommend Mark Zaifman without reservation."

Diane D. Livingston, Ph.D
Petaluma, CA


VIKING PENGUIN BOOKS TO RE-RELEASE 1992 BEST SELLING BOOK - "YOUR MONEY OR YOUR LIFE."

It was the book that started it all for Spiritus owner Mark Zaifman over 15 years ago. The books philosophy of frugality and simplicity became a personal quest for Mark which eventually led him to the path of starting Spiritus Financial Planning in 2003.  Asked by author Vicki Robin to help in the re-write has kept Mark busy over the past several months. With a release date of Dec 17, 2008 - Viking Penguin will be setting up a ten city media tour to launch the re-release.

HOW TO PUT A SECURITY FREEZE ON YOUR CREDIT FILE

We have provided this information in the past, but feel its worth repeating. If you live in California, you have the right to put a "security freeze" on your credit file. A security freeze means that your file cannot be shared with potential creditors. A security freeze can help prevent identity theft. Most businesses will not open credit accounts without first checking a consumer's credit history. If your credit files are frozen, even someone who has your name and Social Security number would probably not be able to get credit in your name.

This easy to follow 'how to' link includes sample letters specific to California residents as well as toll free numbers to all three credit reporting bureaus, Experian, Equifax and Trans Union.

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An article written by Mark Zaifman, titled, “Nine Tips For Making More Money in 2006” appeared in the December 2005 issue of Choice magazine…”

Nine Tips For Making More Money in 2006
Good financial planning has the power to transform and empower your coaching practice.

If you don’t manage your coaching practice like a business, you may not be taking full advantage of the many tax laws available to small business owners. Money issues—making it, managing it, and most importantly, keeping it—are crucial to understand and worth the investment of time. Although money and finance can be confusing and scary, good financial planning is key in moving toward success. So get on the right path to making—and keeping— more money in 2006.

Click here to view full article (PDF)

Click here to view past articles

Financial Wellness is peace of mind.

 

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