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It's Your Money!
Issue  6 - March 19, 2013
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Ray Hodges Financial Group Partners with Women Called Moses to Fight Domestic Violence

As many of you have seen in recent news, domestic violence is real and can no longer be ignored.  Women of all classes and colors are being brutalized, and we cannot continue to sit idly by and expect someone else to solve the problem.  You and I can be a part of the solution.  It is easier than you think, and it will be mutually beneficial.  Here’s how:   Women Called Moses (WCM), the non-profit organization founded by Debra Bowles and created to provide a secure shelter for battered women and their children has a goal to build a shelter for battered women and their children in the southern sector of Dallas, Texas.  Because of the partnership between Ray Hodges Financial Group and WCM, I am committed to helping make a shelter within the southern sector a reality.  Ray Hodges Financial Group is donating to WCM a portion of all commissions from clients who make known their intolerance for domestic violence.  Any client that requests a portion of their business be donated to WCM, advocates the work of WCM, or mentions the need to end domestic violence will result in a donation by Ray Hodges Financial Group.


Dallas Mayor Mike Rawlings is linking with WCM and other organizations to bring local, national, and international attention to this problem that affects us all.  Your decision to invest in your financial future by using the services of Ray Hodges Financial Group will not only help you but will also help a battered woman who needs a refuge for herself and child.  Call me today for your initial consultation.  It’s your money . . . until you give it away.

Did you know?

Dr. Thomas Stanley, author of The Millionaire Next Door, and probably the foremost expert on the study of the affluent, suggests the following formula to determine what your net worth should be at any age:


Net Worth = 10% X Age X Income

If you’re not there, I can show you how to get there.  Call me for a free consultation.

Joint Ventures

Ray Hodges Financial Group is proud to announce that it is in the process of entering into two joint venture agreements (JV).  One of the JV opportunities is with Abstract Management Group (AMG) a business consulting firm that provides financial management, strategic planning, and marketing services for small businesses.  If you need a firm that specializes in assisting small businesses, AMG is your goto firm. 


The second JV opportunity is with Women Called Moses (WCM), a non-profit organization created to provide a secure shelter for battered women and their children Make your charitable contributions count by giving to this worthy and necessary organization.

Business Shout Out!

The following businesses are now members of my Business Advisory Council.  All members have proven to be reputable, fair, and committed to delighting their customers.  Please join me in congratulating them!

Chef Carlos on the Square, AWESOME restaurant in Lancaster, TX, 972-218-8000

10 Minute Oil Change, HONEST car repair in Duncanville, TX, 972-572-7800

Buddy’s Sporting Goods, goto place for uniforms, sports equipment, etc, in Duncanville, TX, 972-780-8149

Dry Clean USA, the dry cleaners that keeps me so fresh and so clean, clean, Cedar Hill, TX, 972-291-9917


Want to Get Away?

From now until the end of 2013, Ray Hodges Financial Group will reward the following gift to anyone who refers FIVE individuals or businesses who become clients:

·         $1,000 travel voucher to Cheap Caribbean Vacations

·         $500 in travelers cheques

Never been to the Caribbean but have always wanted to go?  Refer your friends, relatives, associates, and business associates and have a Piña Colada or Rum Punch (my preference) on RHFG!

Do You Let Money "Burn a Hole in Your Pocket?"

My father used to say, “. . . that money is burning a hole in your pocket . . . “ when he could tell I was in a hurry to spend a lump sum of money I earned.  As it turns out, my father was right.  When most of us receive a lump sum of money, we have an almost uncontrollable need to spend it.  Thomas Stanley, arguably the foremost expert on affluence, calls this behavior “Consumer Frenzy.”

Human behavior is fascinating, and as it turns out, consumer frenzy can affect people of all socio-economic backgrounds.  Whether you are expecting a huge tax refund (free loan to the government),  selling your home for a significant profit, selling your business for a huge windfall, receiving your pension in a lump sum, or receiving a significant death benefit from the death of a loved one, you would be wise to beware of consumer frenzy.  Consumer frenzy is when after receiving money, you begin to serially and usually impulsively purchase items as if you were in a race to exhaust the funds.  The most publicized victims of consumer frenzy are professional athletes and lottery winners, but if we are honest, we all fall prey to this behavior.  We purchase automobiles, boats, jewelry, and a whole host of other consumable items while in the throes of our own consumer frenzy.

How do you combat consumer frenzy?  First, acknowledge that it is real and can affect you if you are not mentally and emotionally prepared for it.  Second, create a forecast before you receive the expected windfall so that you have a plan for its use.  Plan to allocate at least 10% of the windfall to savings using the 60/20/20 rule – 60% to long term savings, 20% to emergency savings, and 20% to emotional spending.  Earmark that 20% to satisfy that craving to spend some of it.  Call me for smart uses of the other 80% of that savings.  It’s your money . . . until you give it away.

Did I mention . . .

If you own commercial property, and you're upside down on the mortgage, a member of my Business Advisory Council can help you refinance and

have equity in your property again.


If you own a residential property that appraises for over $420,000, and you're upside down on your mortgage, you too could refinance and have equity in your property again.  Call or email me to find out how. 


·       Looking for a featured speaker for your group, association, organization, small business, etc? I regularly present "the 10 Principles of Money Mastery" to organizations just like yours. Call or email to make me your featured speaker!

Ray Hodges Ray Hodges

214-810-5881 (w)
214-675-2952 (m)
214-785-6173 (f)
1204 Ashford Dr, Desoto, TX 75115, United States
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It's your money . . . until you give it away.