Podcasts about bad credit

Crit Thomas, global market strategist at Touchstone Investments, says that he entered the year cautious given political uncertainty and the impact of tariffs and other new policies, and that the market has moved from high levels of optimism more towards his level of concern. He's taking a wait-and-see approach to international investing now, and he's expecting higher volatility with less progress while the market sorts it out. Where the market still expects double-digit earnings growth — a key driver if returns are to achieve that level — Thomas sees more muted growth and a possible correction as forecasts are missed, leading to a year in which the market's best outcome would be high single-digit returns. Allison Hadley discusses a BadCredit.Org survey which showed that Americans say that inflation has made the cost of friendship significantly higher; more than one third of Americans say they are isolating due to cost of living. In the Market Call, Bryan Armour, director of passive strategies research at Morningstar, talks about ETFs and where active and passive strategies offer potential advantages.

This week on Snacky Tunes, Darin's back in Bed-Stuy, chopping it up with Chef Jilbert El-Zmetr about his brand-new restaurant, Laziza. From growing up in the family business to globe-trotting his way to Williamsburg, Jilbert shares the journey that led him to open a spot that blends killer mezze, vintage vibes, and a soundtrack straight from his personal vinyl collection.Then, we keep the Brooklyn love going, digging into the archives for a performance from Bad Credit No Credit. Also, a quick note: if you're looking to support the ongoing relief efforts for the LA fires, World Central Kitchen remains one of the best places to donate.For those looking to support LA restaurants, check out the latest Snacky Tunes Substack for donation links and action items.Snacky Tunes: Music is the Main Ingredient, Chefs and Their Music (Phaidon), is now on shelves at bookstores around the world. It features over eighty of the world's top chefs who share personal stories of how music has been an important, integral force in their lives. The chefs also give personal recipes and curated playlists too. It's an anthology of memories, meals and mixtapes. Pick up your copy by ordering directly from Phaidon, or by visiting your local independent bookstore. Visit our site, www.snackytunes.com for more info.Heritage Radio Network is a listener supported nonprofit podcast network. Support Snacky Tunes by becoming a member.Snacky Tunes is Powered by Simplecast.

Cupid's Arrow Can't Fix Bad Credit, But I Can!

When an individual has bad credit, it might be harder to rent an apartment, buy a car, or get a loan. But what happens when a city or state has a low credit rating? After one agency downgraded Chicago's rating and as the governor prepares to make his budget address next week, host Jacoby Cochran talks with DePaul University professor Amanda Kass about how municipal credit ratings work, why Chicago is close to “junk” status, and what it says about the city's financial health. Want some more City Cast Chicago news? Then make sure to sign up for our Hey Chicago newsletter.  Follow us @citycastchicago You can also text us or leave a voicemail at: 773 780-0246 Learn more about the sponsors of this Feb. 10 episode: The Newberry – Use code CITYCAST for 10% off your class TimeLine Theatre Company Become a member of City Cast Chicago. Interested in advertising with City Cast? Find more info HERE

Queen City Confessions Wednesday 1/29/25

How to get a mortgage loan with bad credit isn't a question most first-time buyers ask, but its worth paying attention to what this is and them potential impact it could have on your mortgage application. Umera Patel of  Skipton Building Society talks to Phil about what you can do if you find you have a less favourable credit report and the steps you can take. Tune in for: Examples of bad credit Importance of checking your credit report How to improve your credit rating First-Home Focus is brought to you on association with Skipton Building Society https://www.skipton.co.uk Why not subscribe to receive Move iQ's monthly newsletters, and get his top tips and market updates direct to your inbox. Where else you can find advice from Move iQ You can connect with us on Facebook, Instagram, TikTok Twitter or LinkedIn. We upload videos weekly over on our YouTube channel be sure to subscribe and let us know what you think. If you have any questions for Phil or any special requests for topics to cover on the podcast, then please email us at hello@moveiQ.co.uk.

On this episode of Court Radio, Dean Weitzman of MyPhillyLawyer speaks with Jack Meyers about getting mortgages even when someone has bad or no credit. The post Court Radio: Bad Credit or No Credit, Learn How to Fix It! first appeared on MyPhillyLawyer.

  Did you splurge last month on holiday shopping? Turns out excess spending can ding your credit.  KSL 5 TV Investigative Producer Sloan Schrage joins the show to talk about the often overlooked aspects of holiday spending on our credit scores and ways to fix your bad credit score.  

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Rate & review the Simply Financial Podcast on ITunes

Credit scores are an important indicator of financial stability and often the lynchpin when determining whether or not someone is approved for a loan or large purchase. So what can people do to boost their low credit scores? Host of KSL Podcast Money Making Sense, Heather Kelly, joins the show to share tips on repairing a low credit score.

https://homemortgagebrokers.co.uk/mortgages-calculator Unlock your home-buying potential, even if you have challenging credit, with the easy-to-use online mortgage calculator at Home Mortgage Brokers. Get personalized advice and tailored solutions that make financing your dream home worry-free. Home Mortgage Brokers City: London Address: 71-75 Shelton Street Website: https://homemortgagebrokers.co.uk/ Phone: +44 20 4577 0009 Email: Contact@homemorrgagebrokers.co.un

In this episode, we're diving into the world of credit with a splash of savvy! Join Nate Peterson, 4Front VP of Lending, as he breaks down the best behaviors to repair bad credit—what to do, what NOT to do, and how to keep your financial game strong once you've turned things around. Whether you're on a quest to fix your score or just looking to maintain that shiny new status, Nate's got the tips and tricks to help you navigate the credit maze. Tune in for some money wisdom that'll have you saying, “Is it Friday yet?”

In this episode I chat with Khabir Muhammad, the visionary CEO and Founder of CreditFixrr. During this fruitful conversation we discuss his journey from Compton, California to creating a revolutionary platform for financial empowerment. Khabir also shares insights on overcoming challenges, bridging the gap in financial literacy, and his mission to empower under-served communities to achieve financial independence.

David Keller, president and chief strategist at Sierra Alpha Research says that the market has made meaningful moves to landmark new highs but he questions whether the rally is sustainable. He says that market leaders like the Magnificent Seven need to keep rolling to propel the indexes higher, and he says that weakness is showing up in Alphabet and Meta Platforms, which makes him believe that the market's upside potential at this point may be limited. Jose Torres, senior economist at Interactive Brokers, says that the red sweep of the election has improved business confidence and sentiment over what is coming through the policy pipeline, and says that the prospect of tax cuts, a lighter regulatory regime and on-shoring of manufacturing will continue to propel the animal spirits of the market, and while inflation-sensitive sectors will struggle, he is confident that the economy can overcome tariff uncertainty and other issues to remain strong. Josh Duitz, portfolio manager for the Aberdeen Global Infrastructure Fund, took a break from the program at the Active Investment Company's Fall Roundtable in New York this week to discuss the state of infrastructure investing now that the presidential election has been decided and the policies of the second Trump Administration are becoming more clear. And Allison Hadley discusses a survey done for BadCredit.org which showed that 37 percent of Americans say that inflation and the higher cost of living has them neglecting their friends.

Welcome to the Service Business Mastery Podcast! Visit our website for more episodes and insights! www.servicebusinessmastery.com In this episode, the hosts Tersh Blissett and Joshua Crouch are joined by Thomas Murphy from IHCS Finance, a company specializing in HVAC and home improvement financing solutions.

Laurence shares invaluable insights into negotiating property deals without the need for a mortgage, deposit, or even a stable job. Through live phone calls with property owners, Laurence demonstrates effective strategies for securing rent-to-rent, rent-to-serviced accommodation, and no-money-down purchase-lease-option deals. He emphasizes the importance of understanding the seller's motivations and how to present creative solutions that benefit both parties. Listeners will learn about the potential of lease option agreements, the significance of building credibility through testimonials, and the advantages of waiting to buy a property while generating rental income. KEY TAKEAWAYS No Money Down Property Deals: It is possible to buy properties without needing a mortgage or a deposit by negotiating lease options, allowing buyers to agree on a sale price now while renting the property for a few years. Understanding Seller Motivation: Asking sellers about their reasons for selling is crucial. This information helps determine if a no-money-down deal is feasible, especially if the seller needs to raise funds for another property or has financial pressures. Building Credibility: Collecting testimonials from landlords and property owners can significantly enhance credibility when negotiating deals. Even new investors can request testimonials after their first successful deal to build trust with future clients. Market Value Awareness: Conducting due diligence on property values is essential. Understanding the market can help negotiate better deals, especially if the seller is in a position where they need to sell quickly or at a loss. Flexibility in Agreements: Lease options can be structured to benefit both parties. For instance, the buyer can agree to pay a certain price in the future while covering the seller's mortgage payments, allowing the seller to avoid financial strain while providing the buyer time to secure financing. BEST MOMENTS "I'm looking to kind of... I've been buying properties for many years now in London, but I buy completely differently from most people." "You don't need to qualify for a mortgage, so if you have bad credit, this is perfect for you." "I would be happy to give you what you paid for it or, you know, like a bit more so at least you've got a profit." ABOUT THE HOST Laurence Lameche is an Amazon No.1 Best Selling Author of a property book called "How I Bought 3 London Properties For A Football Ticket" He is a property mentor who specializes in helping people get on the property ladder without needing a mortgage or a deposit, you can have bad credit, no experience, no job and still succeed with his simple, proven step-by-step process that works every time for everyone. CONTACT METHOD Contact and follow Laurence here: LindkedIn: https://www.linkedin.com/in/laurencelameche/ Facebook: https://www.facebook.com/LaurenceLameche/ YouTube: https://www.youtube.com/@laurencelameche Twitter: https://twitter.com/LaurenceLameche Instagram: https://www.instagram.com/laurencelameche  

Have you wondered, what is worse? Bad credit or no credit? Listen in to learn what "the decision makers" when it comes to extending credit want to see. Questions@creditkristi.com

See omnystudio.com/listener for privacy information.

Is it possible to invest in real estate with a bad credit score? What are the best financing options for investors without optimal credit? That's the first topic I'm answering on today's Q&A episode! On this episode, I'm taking three of your great questions on credit scores, selling rental properties, and using home equity to but assets. Click play to hear my answers to your questions!

Left Handers' Day - Bad Credit Confession 8/13/24 Learn more about your ad choices. Visit megaphone.fm/adchoices

Lana got ghosted by a guy and she's shocked at the reason!

In this episode from the Accrued series, presented by LoanPro, hosts Tedd Huff and Colton Pond sit down with Raktim Mitra, the Chief Lending Officer from Varo Bank. They dive into how AI is changing the game in financial technology, especially in fraud detection and credit services.Raktim explains how important it is to use different types of data, like transaction data and customer behavior data, to make better credit decisions. He also talks about the role of relationship data in understanding customers and offering personalized services.The discussion covers the challenges of serving underserved markets. Many Americans have poor credit scores or no credit history, making it hard for them to access banking services. Raktim shares how technology can help provide timely access to credit for these people.Personalization and efficiency are key themes in the conversation. Raktim believes financial products must be tailored to meet individual needs, not just when customers sign up but throughout their entire experience. He explains how modern tech can help banks and lenders offer more personalized services, like adjusting payment dates based on customer behavior or offering installment loans for big purchases.The hosts and Raktim also talk about the importance of following regulations in banking. Compliance with rules like KYC (Know Your Customer) and AML (Anti-Money Laundering) is crucial for safety and customer trust. Raktim points out that doing the right thing for customers often aligns with these rules.Looking to the future, Raktim sees financial products evolving based on what customers need. He expects more companies to use advanced technology to improve how they serve customers and keep up with market demands. This episode is packed with valuable insights for anyone interested in lending, credit, and how technology is shaping the future of banking.Tune in to learn more about these exciting topics and hear Raktim's expert advice on staying competitive in the fast-paced world of financial technology.Key HighlightsAI Takes Over Banking!Raktim Mitra shares how AI is used in banking today. Learn how it helps with things like credit services and fraud detection. Discover how banks use AI to understand and serve their customers better.Unlocking Customer Secrets!Raktim talks about the power of relationship data. Find out how banks use information from their customers to provide personalized services and make better decisions.Cracking the Code of Credit!Raktim explains the importance of alternative credit data. See how transaction data, customer behavior, and payroll data help make accurate credit decisions.Banks Vs. Bad Credit!Many Americans struggle with poor credit scores. Raktim discusses how technology can help these underserved markets get the credit they need.The Tech Behind Your Bank!Modern tech stacks are changing banking. Raktim shows how these systems help banks launch new products quickly and stay competitive.Personalized Banking for All!Raktim believes in personalization at every step. Learn how banks tailor services to meet individual customer needs, from signup to everyday interactions.Banking Rules You Need to Know!Compliance with banking regulations like KYC and AML is crucial. Raktim discusses how following these rules helps banks maintain safety and trust.The Future of Financial Services!Raktim predicts how financial products will change based on customer needs. Find out what he expects for the future of banking and lending.Efficient Banking Explained!Raktim talks about combining operational efficiency with customer satisfaction. See how banks can provide quick, personalized services

Send us a Text Message.BAD CREDIT? 580 or Less? 4 Ways You Can Get Credit

Amber bears all of the financial responsibility while her fiancè is living stress free. She says to make matters worse, she believes he's cheating. Things need to change for Amber to stay in this relationship. Learn more about your ad choices. Visit megaphone.fm/adchoices

In the second episode of Property Call Secrets, host Laurence Lameche dissects real phone calls with landlords and agents, revealing his strategies for securing RENT2RENT and purchase lease option deals. Laurence demonstrates how to negotiate no money down property acquisitions, even with bad credit. Listen in to gain insight into building rapport, overcoming objections, and structuring win-win agreements. This episode is for anyone looking to enter the property market with minimal risk and maximum potential! KEY TAKEAWAYS  Laurence demonstrates how to approach landlords about RENT2RENT deals, emphasising long-term arrangements and guaranteed rent payments. Purchase lease options allow investors to agree on a future purchase price while renting the property in the meantime. Building rapport with letting agents can lead to valuable property deals and collaborations. Subletting properties as short-term rentals or corporate lets can generate higher profits than traditional long-term tenancies. Creative financing solutions, such as taking over mortgage payments, can help acquire properties from motivated sellers. Be persistent, as some deals may take months of follow-up to materialise. Offering to handle maintenance and repairs can make your proposition more attractive to landlords. Adapting your communication style to each agent or landlord's preferences is crucial for maintaining productive relationships. BEST MOMENTS "I agree of sale price today with the landlord. So it could be the full market price, or it could be more than what the market value of the property is at the moment. But they just allow me to rent it out for 2 or 3 years, it could be 5 years or 10 years." "On average, I was kind of getting about 3000 pounds a month from just that one property. And so I kind of thought, wow, this is incredible." "I'll just do it, take care of all those debts every month. So for the next 15 years, we agreed, I'll give you the 6, 000 pounds as soon as we sign the contract" "We agreed if I could buy it in the next five years, I'll give you 450, 000 pounds. And if I can't, and it takes me six to 10 years to buy it, can I give you 500, 000? He said, yes." "This is just a golden opportunity for us. I believe so." ABOUT THE HOST Laurence Lameche is an Amazon No.1 Best Selling Author of a property book called "How I Bought 3 London Properties For A Football Ticket"   He is a property mentor who specialises in helping people get on the property ladder without needing a mortgage or a deposit, you can have bad credit, no experience, no job and still succeed with his simple, proven step by step process that works every time for everyone.   CONTACT METHOD Contact and follow Laurence here: LindkedIn: https://www.linkedin.com/in/laurencelameche/   Facebook: https://www.facebook.com/LaurenceLameche/   YouTube: https://www.youtube.com/@laurencelameche   Twitter: https://twitter.com/LaurenceLameche   Instagram: https://www.instagram.com/laurencelameche

Would you date someone with a trash credit score? See omnystudio.com/listener for privacy information.

TOPIC: (4/17/24), WED, Migrants in CA and NYC Motor Boat with migrants lands in CA, NYC black migrants complain about accommodations, JOSH OH: "how to deal with betas?", SUPERCHATS, HAKE NEWS Babies used to be born at home, JLP and HAKE talk about at-home births, Republicans/Democrats, the Rapture, Trump and Jesus, JOEY MS: "I see what you mean about women", HAROLD NC: "dexter reed/race hustlers comment", JASON NY: "biblical question from last week", HAKE NEWS Examples of women needing men, Stronger Men's Conference Men hiding women on social media, Mothers ruining the kids credit, Chinese immigrant on gun control, Stronger Men's conference drama, MADALYN PA: "younger generation, your opinion?", JILL NY: "teaching children about the Bible?", SUPERCHATS

PREVIEW: #PRC: asking colleague Charles Ortel, just returned from overseas travel in Asia, what will work to repair the damaged PRC economy, now drowning in debt and bad credit and empty, cynical, cruel promises.  Charles Ortel answers bluntly.  More later 1900 Beijing

Dear Dash Hounds, join Beth and Kelly as we try to pull the curtain open on the Wonderful Wizard of credit scores. Do you know your credit score? Do you care? Has it ruined your life? We talk about many things on Strange Country from periods to sex to murder and now, the most secretive of things–money. ‘Mericans don't talk openly about their money issues, and surprise! That is not good practice. We are stressed and worried and in debt, and there's a reason why. Find out today on Strange Country. Thanks for listening. It is an act of love, and sometimes all you need is love. Theme music: Big White Lie by A Cast of Thousands. Works Cited Campisi, Natalie. “From Inherent Racial Bias to Incorrect Data—The Problems With Current Credit Scoring Models.” Forbes, 26 February 2021, https://www.forbes.com/advisor/credit-cards/from-inherent-racial-bias-to-incorrect-data-the-problems-with-current-credit-scoring-models/. Accessed 18 March 2024. “Fair Credit Reporting Act.” Wikipedia, https://en.wikipedia.org/wiki/Fair_Credit_Reporting_Act. Accessed 18 March 2024. Fiano, Liane. “Common errors people find on their credit report - and how to get them fixed.” Consumer Financial Protection Bureau, 5 February 2019, https://www.consumerfinance.gov/about-us/blog/common-errors-credit-report-and-how-get-them-fixed/. Accessed 18 March 2024. Frazier, Mya. “The High Cost of Bad Credit.” The New York Times, 7 June 2023, https://www.nytimes.com/2023/06/07/magazine/bad-credit-repair.html. Accessed 18 March 2024. Furletti, Mark. “Secret History Of The Credit Card - More To Explore | FRONTLINE.” Secret History Of The Credit Card - More To Explore | FRONTLINE | PBS, 23 November 2004, https://www.pbs.org/wgbh/pages/frontline/shows/credit/more/scores.html. Accessed 18 March 2024. Johnson, Holly. “8 Ways You're Hurting Your Credit Score Without Knowing It.” Forbes, 28 June 2021, https://www.forbes.com/advisor/credit-score/8-ways-youre-hurting-your-credit-score-without-knowing-it/. Accessed 18 March 2024. Nova, Annie. YouTube: Home, 3 June 2009, https://www.cnbc.com/2019/09/25/bernie-sanders-wants-to-overhaul-the-countrys-credit-reporting-system.html. Accessed 18 March 2024. Trainor, Sean. “Your Credit Score's Long History, From Espionage to Algorithms.” Time, 22 July 2015, https://time.com/3961676/history-credit-scores/. Accessed 18 March 2024. White, Alexandria. “90% of Americans Stress About Money, According to Study Results.” CNBC, https://www.cnbc.com/select/why-americans-are-stressed-about-money/. Accessed 18 March 2024. Wilbers, Pippin. “How Inflation Affects Car Loan Rates.” Bankrate, 31 January 2024, https://www.bankrate.com/loans/auto-loans/how-inflation-affects-auto-loan-rates/#why. Accessed 18 March 2024.

Having bad credit can hold you back from reaching your financial goals while likely costing you more at the same time. If you have poor credit, I'm going to give you some simple steps to help you get your credit to where you want it to be. 

It doesn't matter how bad your credit is, you can still do deals. I did a lot of deals, even with bad credit. Three years ago, I had a huge tax lien, a federal tax lien of $520,000 on my house, on everything we owned. The IRS was threatening to send me to jail if I didn't pay this thing off. Basically, what happened was I started doing a lot of deals, I started making a lot of money, and I wasn't setting aside any money for taxes. I kept on paying off my old taxes without paying my new taxes. I kept on digging myself in a bigger, bigger hole. There's this book called Profit First, and I read it cover to cover. Then I hired a full-time bookkeeper and operations manager for my business. We implemented the Profit First method and after some time, we turned the ship around. The point of the story is to not make the same mistakes I did. Hire a bookkeeper if you need the help and read the book Profit First. If you've made mistakes, don't hide your head in the sand. Face your problems head on and ask for help. What's Inside:—How I got out of massive tax debt—Why I chose to implement the Profit First strategy—Why you should hire a bookkeeper to manage your accounting

Are you paying attention to your credit score? Today, Brandon (@kingketo) is joined by guest Colin Yurcisin as they talking about fixing poor credit and leveraging credit card benefits. They cover a step-by-step guide on building and improving credit ratings for beginners, with discussions on FICO scores, using specific banking platforms, and leveraging credit card reward systems. The conversation brings to light essential tips and hacks to handle poor credit and mistakes to avoid while using credit cards.Welcome to the Victory Talk Podcast hosted by Brandon Carter. Uncover the strategies for financial growth, physical strength, and a winning mindset as Brandon shares his multi-seven-figure business experience and brings in millionaire friends to drop their knowledge. No fluff, no sponsors, just raw advice. Get ready to seize victory and enjoy the show!➤ Check out Colin Yurcisin on Instagram | YouTubeTimestamps:(0:54) - Understanding credit scores and FICO(3:56) - Credit building strategies for beginners(6:58) - Secured cards and building credit history(8:44) - Choosing the right airline card(12:30) - Understanding credit card benefits(13:20) - The importance of paying off credit card debt(14:49) - The consequences of mismanaging credit(17:08) - Recovering from bad credit(22:00) - The power of dispute letters

Getting a home equity line of credit (HELOC) is one of the easiest ways to leverage your home equity and buy your first rental property. But what is the best way to use one? Are there any drawbacks? After today's deep dive into HELOCs, you'll have all the answers! Welcome back to another Rookie Reply! In this episode, we're not only looking at HELOCs but also comparing them to “evergreen loans” so that you can choose the right financing tool for you. Is bad credit preventing you from investing in real estate? You might have to get creative! Ashley and Tony offer several ways to invest while you're fixing that credit score. Stick around until the end for the best value-adding home renovation projects that will help you raise rents! If you want Ashley and Tony to answer a real estate question, you can submit a question here, post in the Real Estate Rookie Facebook Group, or call us at the Rookie Request Line (1-888-5-ROOKIE). In This Episode We Cover: How to use a home equity line of credit to buy your first rental property How to buy an investment property before fixing your credit The BEST ways to invest in real estate with a small amount of cash HELOCs vs. evergreen loans (and which one is right for YOU!) Value-adding home renovation projects for your rental properties And So Much More! Links from the Show Find an Agent Find a Lender Ashley's BiggerPockets Profile Ashley's Instagram Tony's BiggerPockets Profile Tony's Instagram Real Estate Rookie Facebook Group Join BiggerPockets for FREE Ask Us Your Investing Question Apply to Be a Guest on the “Real Estate Rookie” Podcast The Step-by-Step Guide to Finding the BEST Off-Market Real Estate Deals How I'm HELOCing My Way to Wealth Should I Fix My Credit Before Attempting to Invest in Real Estate? Check the full show notes here: https://www.biggerpockets.com/blog/rookie-362 Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email: advertise@biggerpockets.com Learn more about your ad choices. Visit megaphone.fm/adchoices

Want to learn how to buy a house in 2024? Whether you have outstanding credit or your score could use a little work, there are different ways to buy. In this episode, we'll lay out your best options and provide actionable steps you can take to boost your credit score in the meantime! Welcome back to the BiggerPockets Money podcast! Today, Mindy and Kyle are fielding some of your biggest money questions. Beyond buying a home, you'll learn how to use your home equity to fund your new business idea. Have you run into some “extra” cash recently? We share investing strategies that will allow you to “hack” tax brackets and position yourself to retire early. This year, it's crucial that you get on the same page with your partner, financially. Mindy and Kyle talk about the tough but essential “meetings” you should be having about your budget. Finally, is there ever a time when it makes sense to buy a depreciating asset like a brand-new car? Our hosts' answer might surprise you! If you want Mindy and Kyle to answer a money question, you can submit a question here or post it in the Money Facebook Group! In This Episode We Cover How to buy a house in 2024 with less-than-perfect credit What you MUST know before entering a home equity agreement The BEST ways to fund your new business idea How to buy a brand-new car and stay on track for FIRE How to invest “extra” money and “hack” your tax bracket to owe less The finance “meetings” you NEED to have with your partner And So Much More! Links from the Show BiggerPockets Money Facebook Group Network with Other Investors on The Path to FIRE Through the BiggerPockets Forums Finance Review Guest Onboarding Join BiggerPockets for FREE Mindy on BiggerPockets Listen to All Your Favorite BiggerPockets Podcasts in One Place Apply to Be a Guest on The Money Show Podcast Talent Search! Money Moment When to Buy New vs. Used and is That Car Repair Worth the Cash The Money Date: What You Should (And Definitely Should Not) Do to Align Your Finances as a Couple Playing with FIRE (Financial Independence, Retire Early) with Scott Rieckens Ramit Sethi's Money Advice for Couples: Live a Rich Life, Together Grab Your Copy of “Playing with FIRE” Click here to check the full show notes: https://www.biggerpockets.com/blog/money-494   Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: moneymoment@biggerpockets.com Learn more about your ad choices. Visit megaphone.fm/adchoices

Have you ever wondered just how much of an impact interest can have on your payments and cash flow? Listen in as Credit Kristi compares car and house payments due to the difference in available rates due to credit scores. Have any new year goals (we don't do resolutions here, just goals!) for yourself? If not- why not?!!? If so, are the BIG!? They should be! Let's goooooo! Questions@creditkristi.com

GOD'S WORD ON PAYING DEBTS:Proverbs 3:27 emphasizes the importance of paying back debts on time: "Do not withhold good from those to whom it is due, when it is in your power to do it."DEFINING GOOD CREDIT SCORES:FICO scores range from 300 to 850, with a good score between 670 and 739.A very good score is between 740 and 799, and excellent is 800 to 850.Higher credit scores result in better interest rate offers from lenders.IMPACT OF CREDIT SCORE ON LOANS AND INTEREST RATES:A higher credit score (740+) can significantly reduce interest rates on mortgages, personal loans, and credit cards.Example: Raising a credit score by 100 points (from 640 to 740) can save around $72,000 in interest over a 30-year $300,000 mortgage.A better credit score can also reduce interest rates on a $5,000 personal loan and credit card balances, saving substantial amounts over time. ADDITIONAL BENEFITS OF A HIGH CREDIT SCORE:Higher credit scores can lead to lower home and auto insurance premiums.Employers may use credit scores in hiring decisions, potentially affecting job opportunities and income. HOW TO IMPROVE YOUR CREDIT SCORE:Pay all bills on time and keep credit card balances below 30% of available credit.Build a credit history with a secured credit card, using it for routine expenses and paying off the balance in full each month. ON TODAY'S PROGRAM, ROB ANSWERS LISTENER QUESTIONS:I'm 66 years old and disabled, receiving Social Security. I have only $15,000 to sustain the rest of my life and am looking for advice on how to manage this situation effectively.I have a pension and a 403B from my W-2 income, and I contribute to a SEP from my self-employment income. Should I continue matching my employer's after-tax contributions to the pension plan, or would it be better to invest elsewhere?What's your opinion on structured notes as a part of a well-diversified investment portfolio, especially ones backed by mortgages, considering they can be complex and have varying maturity lengths? RESOURCES MENTIONED:Find a Certified Kingdom Advisor Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network as well as American Family Radio. Visit our website at FaithFi.comwhere you can join the FaithFi Community, and give as we expand our outreach.  Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

Having bad credit is expensive. With inflation and high interest rates, it’s more important than ever to keep your credit score as high as possible and you won’t believe how much money that can save you. On today's Faith & Finance Live, host Rob West will talk about the added expense of having bad credit. Then he’ll answer your financial questions on various topics. See omnystudio.com/listener for privacy information.

Recent headlines have called attention to the rapid rise in credit delinquency rates, which some commentators have suggested is a sign that a credit bubble has popped. Liz explains why all that doomsday talk is overblown. Shownotes Credit Card Delinquencies Are Rising. It Isn't a Problem for Banks—Yet. [Barron's] Delinquency Rate on Credit Card Loans, All Commercial Banks [FRED] Credit Card Delinquencies Continue to Rise—Who Is Missing Payments? [NY FED] The October 2023 Senior Loan Officer Opinion Survey on Bank Lending Practices [FRB]

Dylan called us about his girlfriend. They decided they wanted to move in together, but when they applied they were denied due to bad credit and a past eviction! This was different than the good spending habits Dylan grew up with, but is it enough to break up over?See omnystudio.com/listener for privacy information.

Love is Blind's Stacy Snyder joins me to discuss this epic season, her shocking decision at the altar, what happened after, what the deal is with Izzy's finances, and what she thinks of the last standing couple of the season: Lydia & MiltonProduced by Dear MediaThis episode may contain paid endorsements and advertisements for products and services. Individuals on the show may have a direct, or indirect financial interest in products, or services referred to in this episode.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

In this episode we are joined by Ron Stroup of laonDepot NMLS# 484258. We discuss that when going to obtain a VA home the government does not require a minimum credit score. That said each individual lending company may have their own criteria known as overlays. As an agent working with someone on obtaining a VA home loan it is important to keep open lines of communication with the buyer's mortgage professional. Make sure that the mortgage pro has checked the candidates COE (certificate of eligibility). VA home loans have a bad reputation with agents due to a lack of education by the agents themselves. Make sure to educate yourself on VA home loans to open up a large opportunity in your business. Thank you Ron for joining us. Ron can be reached at 508-294-3372 by voice or text. He can also be reached at rstroup@loandepot.com

One of the most common questions people ask real estate agents is, “What credit score do you need to buy a house?” It's a great question. Experian reports the average credit score in the U.S. is currently 714 as of 2021—and those numbers are steadily rising year over year. That's a good credit score to buy a house, although by no means the lowest lenders will accept.  With some lenders, you can take out a mortgage with a score as low as 620. But according to BadCredit.org, 16% of Americans have a credit score of less than 580. That means a huge chunk of individuals are unable to obtain a mortgage, thus, making buying a house or real estate investing a difficult task. However, many people don't know that there are alternative loan options if you don't meet the minimum credit score requirements. Learn more about your ad choices. Visit megaphone.fm/adchoices

Enjoy this interview Chelsea recently did with Maya Lau of Other People's Pockets! Once upon a time, Chelsea Fagan was a financial mess. She had a credit score of around 450, debt that went to collections, and so many unpaid traffic tickets that she got arrested. She whipped herself into financial shape by writing about her journey at The Financial Diet, where she's co-founder and CEO. She explains why some of her employees earn more than she does and why you don't have to grind to succeed. Follow Maya on Instagram Follow Maya on TikTok MORE FROM TFD Join our membership program, The Society at TFD on Patreon to get exclusive ad-free bonus content + access to tons of other perks like our members-only book club: https://www.patreon.com/FinancialDiet The Financial Diet site: http://www.thefinancialdiet.com Facebook: https://www.facebook.com/thefinancialdiet Twitter: https://twitter.com/TFDiet Instagram: https://www.instagram.com/thefinancialdiet/?hl=en

Highlighting 1 Samuel 13:1-4, Pastor Cymbala warns against not only boasting about what you have done but especially boasting and taking credit for what someone else has done.

Don't forget to subscribe, leave a rating and a 5-star review. If you leave a 5-star rating and review, send me an email info@blackrealestatedialogue.com and I'll send you a free training on finding and analyzing properties.Today, we journey with Joseph Handy (Episode 152), a dedicated full-time teacher, band director, professional musician, and a real estate investor.  With a real estate portfolio worth over $5 million and 65 units to his name, Joseph's story is a testament to overcoming barriers and breaking the status quo. All while residing in Mississippi, a state known for its low average teacher salaries, Joseph has truly defied odds and expectations.Our conversation takes us through Joseph's inspiring journey, from his first real estate purchase in partnership with his best friends, to his sophisticated strategies in scaling his investments. You'll hear about the power of house hacking, the opportunities with VA renovation loans, and his creative financing methods that enabled him to build an impressive portfolio on a teacher's salary. Listen to the full episode here. Download my free guide, 8 Steps to Buying Your First Out of State PropertyApply for my out of state investing coaching program here Read my Black Enterprise Article https://www.blackenterprise.com/founder-and-host-of-black-real-estate-podcast-is-teaching-entrepreneurs-how-to-own-property/Shop our merch- https://blackrealestatedialogue.com/collections/allAccess all of our resources on our website- https://www.blackrealestatedialogue.com/links

WATCH AND SUBSCRIBE TO OUR YOUTUBE CHANNEL https://www.youtube.com/@carljacksonshowandblog More: www.TheCarljacksonshow.com Facebook: https://www.facebook.com/thecarljacksonshow Twitter: https://twitter.com/carljacksonshow Parler: https://parler.com/carljacksonshow  See omnystudio.com/listener for privacy information.

The Rich Zeoli Show- Hour 3: The Drive at 5: According to The Wall Street Journal Editorial Board, the Biden Administration is seeking to implement a new rule which “will raise mortgage fees for borrowers with good credit to subsidize higher-risk borrowers. Under the rule, which goes into effect May 1, home buyers with a good credit score over 680 will pay about $40 more each month on a $400,000 loan, and upward depending on the size of the loan. Those who make down payments of 20% on their homes will pay the highest fees. Those payments will then be used to subsidize higher-risk borrowers through lower fees.” You can read the full editorial here: https://www.wsj.com/articles/upside-down-mortgage-policy-212fd736 Jeff Zymeri of National Review writes, “[t]he Supreme Court agreed to hear Loper Bright Enterprises v. Raimondo, a case which could see an end to Chevron deference, in which courts defer to a federal agency's interpretation of an ambiguous statute.” Could this potentially reduce the executive branch's growing authority and restore power to Congress? You can read the full article here: https://www.nationalreview.com/news/supreme-court-agrees-to-hear-case-that-could-spell-the-end-of-judicial-deference-to-federal-agencies/ On Friday, billionaire Elon Musk appeared on HBO's Real Time with Bill Maher. During the interview, Musk emphasized the necessity for respecting free speech—arguing: “The thing about censorship is, that for those who would advocate for it, just remember, at some point it will be turned on you.” On Monday, Hunter Biden, the son of President Joe Biden, attended a court hearing related to child support payments in an ongoing Arkansas paternity case. Could this case inadvertently shine light on how Hunter earns money?