Podcasts about checking account

She Wants to Be On the Checking Account by Maine's Coast 93.1

Comedy on a SaturdayFirst a look at the events of the dayThen The Aldrich Family starring Bobby Ellis, originally broadcast April 26, 1953, 72 years ago, The Delivery Bicycle. Henry tries to deliver a bicycle. Followed by the news from 72 years ago, followed by My Son Jeep starring Donald Cook as Doc and Martin Huston as Jeep, originally broadcast April 26, 1953, 72 years ago, Checking Account.  Aunt Margaret sends Jeep $10, and wants him to start a bank account.  7  92Then Fibber McGee and Molly, originally broadcast April 26, 1937, 88 years ago, Taking off for Hollywood.  Fibber and Molly are leaving for Hollywood, from where the program will originate for the next two weeks. They're going to be making a picture, to be called, "This Way Please." "Barry Lionmore" teaches Fibber about acting.  Followed by My Friend Irma starring Marie Wilson, originally broadcast April 26, 1948, 77 years ago, Manhattan Magazine. Jane is given the opportunity to become a model for Manhattan Magazine.Finally, Can you Imagine That starring Lindsay MacHarrie, originally broadcast in 1940, Building Rises from the Sea. "A building more than 500 years-old rises from the sea, millions for defense but not once cent for tribute...that staement was made after the American Revolution, five well-known tunes can be found in a famous popular song.Thanks to Honeywell for supporting our podcast by using the Buy Me a Coffee function at http://classicradio.streamIf you like what we do here, visit our friend Jay at http://radio.macinmind.com for great old time radio shows 24 hours a day

Business owners, when it comes to running the financial side of a business, things can get tricky. Here is what I use as a business owner to keep all my finances in check!Do you have tax debt? Call us at 866-8000-TAX or fill out the form at https://choicetaxrelief.com/Mentioned Video Link:-The Business Checking Account I Use: https://accounts.chase.com/consumer/b...

Join us in this episode of the Debt Free Mom Podcast as Stacie returns to share her journey of switching from monthly to bi-weekly budgeting. We dive into the challenges and benefits of aligning budget schedules with different pay periods, managing increased incomes, and strategies for forecasting expenses accurately. She also talks with me about practical tips for utilizing savings accounts, handling car insurance payments, and setting up effective budgeting templates. Get insights on the psychological impact of budgeting experiments, involving partners in financial planning, and balancing important financial goals while enjoying life's moments. Whether you're dealing with variable incomes, credit card dynamics, or just starting your budgeting journey, this conversation with Stacie offers some valuable advice.You can listen to my previous conversation with Stacie all the way back in episode 9 - Preparing Your Budget for Variable Income with Stacie00:38 Switching to a New Budget Tool00:55 The Learning Curve of Budgeting by Pay Period01:43 Benefits of Budgeting by Pay Period01:50 Managing Multiple Income Streams02:31 Adjusting to Bi-Weekly Budgeting07:29 Handling Variable Expenses12:03 Using Checking Accounts as Waiting Rooms16:08 Collaborative Budgeting with Your Partner20:10 Understanding the Learning Curve20:44 Transitioning to a New Budget Template21:14 Long-Term Financial Planning21:58 Tracking and Adjusting Expenses23:05 Benefits of the Budget Template23:56 Planning for Future Expenses24:57 Achieving Financial Goals32:57 Managing Credit Card Payments37:56 Conclusion and Final ThoughtsGet started with pay period budgeting today for just $9! The Debt Free Mom Mini Course + Template will help you take your first steps toward managing your home finances with confidence. Get it today at debtfreemom.co/templateDo you have a money question that you'd like to talk about with Carly? Do you have a story of navigating a tricky financial situation? We'd love to have you on the Debt Free Mom Podcast! Fill out the guest application at dfmpodcast.com. Advertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

This week we're throwing it back to episode 139 from way back in May! Let's talk about Kelly Ripa, lament how much it sucks shopping for clothes, and get real about how hard it can be to maintain financial independence AND contribute to shared expenses in a relationship.Connect with Honestlythehonestlypodcast.comIG: @thehonestlyshowTikTok: @thehonestlyshowChelsea's IG: @chelsea_turanoLindsay's IG: @dr.lindsayregehrYouTube:  The Honestly PodcastSend us a textSupport the show

Hannah Ziegler, reporter for The Washington Post’s breaking business news desk, joins Jon Hansen on Your Money Matters. Almost three-quarters of consumers use payment apps, and Hannah talks about the possible pitfalls of using these apps as checking accounts.

In this episode of Mortgage Minute, host Doug Crouse from BMO Bank discusses potential future changes that may impact mortgage availability, especially for out-of-footprint states on the East Coast. He suggests that opening a free checking account with BMO could help preserve your banking options if such changes occur. Plus, don't forget to reach out for a free copy of Doug's book, The Hippocratic House, by emailing doug.crouse@bmo.com. Tune in for more insightful mortgage advice! To learn more about Doug, go to  www.DougCrouse.com. 

ATM RATE - The next time you're at the ATM, you may notice you're being charged more to withdraw money. According to Bankrate's annual Checking Account and ATM Fee Study found that average out-of-network combined ATM fees have hit a record high, and the average ATM surcharge has set the 23rd record high in the past 26 years of surveys. Nicole D'Antonio is live in Washington with details on the best ways to avoid the costly fees.

0:24 Q3 2024 5x Categories Chase Freedom: Gas (and other stuff) Discover: Grocery Stores, Walmart (For the first time in FOREVER!!!) Citi Dividend: Gas Why do banks have these cards? To move our spending onto these cards long after the quarter ends. 04:05 Transfer Bonuses Citi -> Cathay Pacific 15% (7/20) Chase -> Aeroplan 20% (7/31) If the space is there and these miles will be used, great to get a discount. Probably not worth speculatively transferring. 08:33 New DeltaOne Premium Lounges Coming in 2024 (OMAAT) JFK: June LAX: Late 2024 BOS: Late 2024 (adjacent to already-open 3rd SkyClub in BOS, in International Terminal E) 13:26 Staggering Decline in Usefulness of giftcards.com Visa/MC GC At one point these were a fantastic way to earn miles and even hit sign up bonuses Recall buying Amex GC and then flipping those to GC.com.  Now what can we do with these? There's certainly a draw with 5-10% off sales. But those are usually small dollar cards  Scale vs spread None of this really matters because there's nowhere these cards even work  19:34 Checking Account with Free ATM Withdrawals Worldwide? First Republic had this for $15k Chase requires $75k min balance Sapphire checking to avoid fees The louses at Chase deactivated First Republic debit cards before the Chase cards arrived. Gah! Do they have the same PIN? I think so? But I go to the ATM infrequently in the US so I'm not sure. Am I over-thinking it? Just pay the fees? Well, it's not just the ATM fee, there's a “foreign exchange rate adjustment fee” that's a percentage (usually around 3%) of the amount withdrawn on top of the ATM fee: “Surcharge Fees from the ATM owner/network still apply. A Foreign Exchange Rate Adjustment Fee from Chase may apply for ATM withdrawals in a currency other than U.S. dollars.” When presented with the question of whether you want to be charged in foreign or USD choose the local currency if your bank here has no Foreign Transaction fees. (Say no to Dynamic Currency Conversion). Example: But the real scary thing is where the ATM you're withdrawing from tacks on a dynamic currency conversion fee, they don't disclose the percentage, the ATM interface makes it confusing to figure out what's going on, and you end up paying what is or feels like a lot more than you should to take money out of an ATM. I really just like to be able to withdraw a reasonable amount of foreign currency as I go without worrying about fees adding up. Schwab Checking has free international ATM withdrawals with no minimum balance Schwab debit card was expired (never used), I don't know what the PIN is, and their phone tree sends me in circles. Thought to go in branch but is there no such thing as a Schwab checking branch? Chatted, guy told me I “may have to speak with Schwab Checking. I thought I was chatting with Schwab Checking!? Maybe Volcker doesn't get the credit he deserves Update as Robert is leaving to Japan and will be using this debit card. 36:48 International Data for Cellphones. Current Status Being connected is pretty much a necessity at this point There are multiple ways to handle this, and with multiple price points and [potential] gotchas How to handle this is also a factor of your current provider, plan, phone and where you're traveling Example: In Mexico many plans ‘just work' as if you're home. How do we each play this when we're outside the country and what pros/cons do these methods have?  Sam: Complicated, but I want data, and really only want data.  I've had a setup for a decade plus that decouples my phone number from a cell provider (think: wifi calling but over mobile data).  That's nice because I can do everything I want/need with my local number with just a data bucket. E-SIM has changed the world (literally). Gone are the days of visiting a kiosk in the airport (rip off!) or scouring the prepaid-data wiki for tips on buying and activating plans.  I've had some wild stories of activating prepaid SIM cards overseas.  ESIM changes all of that.  Basics: Your phone can hold a physical SIM card, or a digital one. Because these are digital now you have providers (Airalo, Dent, Saily, etc) that sell service in other countries (data only usually) for cheap with customer support and easy one or two click install.  Pros: Really cost effective for data hogs: I did this last summer in Japan: $10 per person for 2 weeks worth of data (5-10gb). We hotspotted for the kids who's phones don't support esim.  Norway I'll do the same, it is about $11 for 5gb there.  Some providers have region passes, which are nice and include a bucket of countries like “Eastern Europe” or “South Asia” for hopping around.  Negatives: Your phone number and text messages for your current provider probably won't come through unless you can figure out how to turn on wifi calling and hotspot. I'm not an iphone user so I defer to mostly the ways that android handles these things.  I do believe imessage will continue to work over data, but can't confirm firsthand.  Another negative is that you can have issues with the install, and if you bungle it and somehow delete your main SIM card you could have service interruptions when you come home and switch back.  Zero roaming or other charges because you ‘turn off' your home service completely.  Robert: I enable the AT&T International Day Pass. $12/day for the primary, $6/day for each additional line on the same plan. “Only pay for the days you use, no extra charge after 10 days per line, per bill”

Sunak's abysmal campaign continutes, Aid puts his back and shoulders out, and why is nobody talking about the obvious things they actually need to fix in this country? Here are some links i really hope you click: Patreon

We check back in with Kari to see how she is doing after confronting her boyfriend about getting a joint checking account if they get married.

Is it bad to not want to get joint checking account after getting married?

Is it bad to not want to get joint checking account after getting married?

In this episode of the Honestly Podcast, Lindsay and Chelsea dig in on topics like Kelly Ripa, joint checking accounts, and more. Chelsea shares her excitement about being hired for a speaking event and her thoughts on taking risks in her comedy career. They also talk about the challenges of shopping for clothes and the difficult decision Lindsay and her husband have made to maybe open a joint checking account... Maintaining financial independence while also contributing to shared expenses can be a challenge in a relationship. The conversation ends with a discussion about personal growth and the importance of communication in relationships.Connect with Honestlythehonestlypodcast.comIG: @thehonestlyshowTikTok: @thehonestlyshowChelsea's IG: @chelsea_turanoLindsay's IG: @dr.lindsayregehrYouTube:  The Honestly PodcastGruvi Alcohol-Free CocktailsUse our link and code STAYGRUVI for 10% off delicious nonalcoholic cocktails. Join the party!Disclaimer: This post contains affiliate links. If you make a purchase, I may receive a commission at no extra cost to you.

If you want to use a HELOC to pay off your mortgage, the easiest way is to utilize your HELOC as a checking account. But where can you find these types of HELOCs? That's the first question I'm answering on this episode of Investing in Real Estate! Today's Q&A episode features three of your great questions about finding HELOC products, rental companies, and how to buy rental properties inside a self-directed IRA. Click play to hear my answers to your best investing questions!

A word from the Lord and a praise to get your day jump started!!

A word from the Lord and a praise to get your day jump started!!

Checking versus a savings account. Do you really know the difference? How many people are still actually writing checks these days? When should you open these accounts? We answer and discuss these questions and more in season 2 episode 3 of the Cash Kid Podcast. Join us as we dig deeper into building super financial literacy skills in this episode. Learn more about your ad choices. Visit megaphone.fm/adchoices Transcript Checking vs Savings Account What’s up Cash Kids! First, every week we are watching the number of new listeners and we can’t thank you enough for joining us on this journey. Right now, you are listening to season 2 episode 3 of the Cash Kid Podcast where we are focused on learning super financial skills. So, let’s get started! First a riddle for you. I love riddles. What kind of book can make money? The answer,coming up. The Cash Kid Podcast is underway! Intro tease: So you’ve got some cash. Maybe from an allowance, or that money your grandma gave you for your 7th birthday. Here you go, sweetie. Thanks, Grandma. Whatever it is, what are you going to do with it? Spend it, hide it away… or maybe invest it? Let’s start learning how to make that money grow. Time to learn how to be a cash kid. Checking vs a Savings Account. Do you really know the difference? When do you need one, or both? And are writing checks the ancient past. Hahaha! Joining me today to break it all down is Mrs. Amy Greer with Cadence Bank. She is the Director of Digital Transformation where she works to make sure customers have a great experience online or in banking apps, including all types of money movement that we will talk about today. Thank you, Mrs. Greer, for joining us on the show. Amy Greer: You're welcome. I'm so glad to be here. Cash Kid: First off, tell us a little bit about yourself. Amy Greer: So, my name is Amy Greer, and I have been in banking for over 18 years. And I was with Region’s Bank for a while. And now I've just started a new journey with Cadence Bank here in Birmingham and have always been very passionate about financial literacy and in making sure that the banks can provide tools and technology to help users learn how to manage their financial life. Cash Kid: All right. We've brought you on to help educate our audience about the difference between a checking and a savings account. Let's start with checking. Tell us basically what that is. Please. Amy Greer: So a checking account is basically a place for you to store your money at at a bank that can be opened for you by a parent. Really, at any age, they can set it up and they can be joint on your account. But until you're 18. Typically in most states you can't have one on your own. So if you have if you earn money from chores or different projects you worked on or jobs as you get older and you start to get jobs, anything like that that you earn or even money that you get as a gift for Christmas or various birthdays. It can all be deposited here in the bank. And the good thing at any bank and a checking account is that it's safe there and it's guaranteed. You can add on other tools to it, like a debit card that allows you to use money in it, like a mobile app that allows you to have access to the funds that sit to the funds that sit in your checking account. You can then leverage a lot of different ways to send money to people, whether it's through other payment apps like Venmo or PayPal that we all know so much about. Or within the bank account, you can move money out of your checking account for that. You can also use it to buy goods. So there's something that that you need, whether it's food your parents have given you money or you've saved your allowance or something beyond just food it’s something you’ve worked for and you’re ready to purchase it. It’s many different purposes and it’s just a great practice to start learning early on in life. Cash Kid: What would be some reasons for a kid to open a checking account? Amy Greer: Well, I think the main reason would be to really get you introduced to learning how to manage money. Until you can have your own account and really see that money that you got, that you earned or that you got as a gift is sitting right here in this bank in this account and it’s safe. And if I go use some of that money for something fun or something, I need to do something I want to donate. Then you can see what it does to the balance and it triggers it starts in your brain early at an early and important age for you to start realizing what you have left, what you've earned. And the concept of sharing money when needed. And it just helps. It helps develop responsible behaviors. Cash Kid: Are there fees to consider with a checking account? Amy Greer: Yes, there can be fees. Actually, that is a very important thing to look into when you're choosing between different checking accounts. So some checking accounts require you to have a certain balance, which means you have to have maybe, let's say, at least $100 in the checking account. And if you go below that, then there will be a fee. And that's really because it costs the banks money to hold the checking account. However, most of the time, and especially for kids for minor accounts or those that you're on with, with a parent, there are many things that you can do. Many ways you can avoid a fee. Sometimes it's as simple is just enrolling in online statements and then the bank will what they will do, what they call waive the fee. So they'll just pretend that you don't get it that month or again, if you make a certain number of transactions, then the fee can be waived. So there are a lot of different options and opportunities out there for you to choose from. Cash Kid: Just curious, my mom talks about when she got a checking account. She was taught to actually write down each transaction in her checkbook. I understand that that's ancient now mostly, but would you agree and talk how people balance a checking account now? Amy Greer: Yes, actually, I do. While I do agree that it's an older practice, I will tell you, I know personally it is a very valuable one. And strangely enough, I used to enjoy it very much. I loved keeping a perfect check register. I would. I was color coordinated, and I loved writing everything down. And I miss those days. I now, like most people, rely on the digital platforms to write down where they've spent money. I’m sorry to track where they spent money in lieu of writing it down. So when you log into online banking now for people that don't keep a checking, a check register, when you log into your mobile or online banking, you can see a history of everything that's come in and out of your account. So that's primarily what people use today to track their funds, money in and money out. But there's also the occasional need for writing a check. And so when you do that, you still, there's nothing there's nothing wrong with writing it down and actually keeping a check register, because it can certainly also be helpful for you in the future. Cash Kid: And maybe a follow up to the ancient practice question. How do people still write physical checks? Amy Greer: Well, that, I will say, is decreasing by the day. So even the the pandemic, the COVID pandemic in 2020 kind of started even a more more of a downward trend in usage of checks than we were seeing before. And that was because people weren't around to write checks and hand checks to each other. We were quarantined for a while and then, you know, everyone had those a little bit of angst and nervousness about passing and sharing cash and checks. So with that, I think most Americans I read that 57% have not written a check in the past month. And there was an even larger an even more material number than that that had not written one in in a year. So I think it just about now, it's an average of about 4% of all of our transactions in America. Only 4% are written checks. (music break) Cash Kid: All right. Let's turn to the savings account now. What is a savings account? Amy Greer: So a savings account is also something a tool that is offered by banks or financial institutions that give you a safe place to put your funds for that you might be saving for any particular reason. You name it. It could be set aside some money for an emergency fund or to reach certain goals, trips, sports equipment, things such as that. But it's a way that you can know instead of keeping cash under your mattress or cash in one of your drawer hoping your siblings don’t find it like mine do here sometimes. It is a good place to store your money to save. And the good news is, is that you get paid interest. So the banks, the way banks operate is they actually depend on having your money in savings accounts and even in checking account. So a certain degree, because they are able to then use that to give out loans to other people. So it's still your money and it's still safe. But. But because of that, because it's so valuable to a banking system, you get paid interest. So it's a really good way to watch your money just grow automatically. Cash Kid: At what age can someone open a savings account? Amy Greer: So the good news is parents can open one for you at any age. You can open one at birth and they can start contributing to it and grandparents can start contributing to it for the for a child individually to open one on their own. It actually goes in accordance with state laws and federal laws. That is typically around 18. Cash Kid: What would be a reason to start a savings account as a kid? Amy Greer: Well, there's so many reasons to choose from for that. Like I mentioned earlier, it can help you learn responsibility by setting aside some percentage of all the money that you make. If you just start the habit of moving some of that into your savings every time you get money, whether it's paid for a service you provided or paid for a good you made or an allowance, just set aside some of that in a savings. And there's also many big, big future events that you can start saving for and help your parents out like cars and college and maybe one day weddings. Many things that you can start saving for in the future. It's never too early to start saving. Cash Kid: Is there anything we haven't asked you that you would like to share with our audience? Amy Greer: And everyone just remember even the quarters and pennies and all of that you have laying around all add up. So start collecting it and get out and get your account and get your your behaviors for spending and saving better under control so that you'll be best set for the future. (music starts) Thank you Mrs. Greer. That’s exactly what we are seeking to achieve with this podcast. Setting ourselves up young for financial success. Cash Kids, we are just getting started with diving deeper into building our super financial literacy skills. Be sure to tune in next week where we discuss if you really know the difference between debit and credit. Do you? We’ll see. Oh, and to answer our riddle. What kind of book can make money? The answer is a checkbook. But I called that an ancient practice today… hahaha…. so not so much anymore. Remember to visit our website at cashkidpodcast.com, leave a review wherever you are listening from, and follow us on Instagram. Cash Kid Out!

Do I Have To Follow The Court Order That Says I Cannot Close The Joint Checking Account Between My Spouse And I?

Several experiences happened last month that I want to share and reflect on. I am calling this my monthly random thoughts and reflections.  In this episode, I am talking about... I was gifted a new plant and I named her after my Granny  I tried iced coffee and it reminded me of being curious about trying new things  A new driver's license and a new checking account in my maiden name Closing my website represents freedom   Enjoy the episode, and share it with a friend!   Treat Me to Coffee: https://www.buymeacoffee.com/befreeproject   Subscribe to my newsletter  https://siobhanjmiddleton.substack.com/   Connect with me on the Gram  @siobhanjmiddleton   Connect with me on TikTok @siobhanjmiddleton   Email:  siobhanjmiddleton@gmail.com   Become Instacart Shopper  http://inst.cr/t/TzJnUEh5QXBX

What matters to you matters to us as a campaign that our sponsor Triangle Credit Union introduced earlier this year. In an age of identity fraud and high stakes scams, we're going to dive into identity protection with Triangle's Product and Service Specialist, Jennifer Carter. Stay tuned to learn how Triangle is protecting their members and why your financial institution should too! Links: Learn more about our Better Checking account with Identity Protection Learn more about why you should consider identity protection for you and your family in our past podcast episode: Why You Should Consider Identity Theft Protection  Log into your ID Protect account at idprotectme247.com Explore more financial education resources at triangleuniversity.org Follow us on Facebook, Instagram and Twitter! Learn more about Triangle Credit Union    

Money Monday: The ONLY 3 Checking Account Every Family Needs With Financial Coach Katy Hylander

Season 6 is all about transition issues for you, the buyer. What do you as a soon-to-be practice owner need to start thinking about? After you've decided to purchase your dream practice, how do you deal with the staff, the patients, the money issues you're going to come up against? I'll talk with experts and even do some solo episodes to explore these questions.   Today's solo episode is all about your business checking account. Sound too obvious and straightforward? It's more complex--and important--than you might think. This account will be the hub around which much of your business finances revolve, so it's important to consider carefully where you open it. I'll give you some things to watch for as you make this important decision.   Find me at DentalBuyerAdvocates.com

Have you been burdened by an ever-growing credit card balance? According to CNBC, the average American carries around $5,733 in credit card debt. Some have more, others less. But almost everyone wants it gone.   Believe it or not, there's a simple method to reversing that growing credit card debt. It's not the easiest method, but once you perfect it, you can kiss all that accumulating debt goodbye.   Links: Learn more about Triangle's Checking Account and how to get your debit card Follow us on Facebook, Instagram and Twitter! Learn more about Triangle Credit Union Transcript:  Welcome to Money Tip Tuesday from the making money personal podcast.   How many credit cards do you have?  If you're like me, you probably have at least two or three.   Do you pay them off regularly?   I've been one to pay my card balances regularly, but with increasing costs of goods and the occasional impulse purchase, a couple small vacations and a few home repairs, those balances grew faster than I was able to keep track of.   So I started the credit card juggling act.   If one card balance was coming due, I'd simply start putting charges on a different card. I'd pay off the card balance that came due but continued to add other cards in the mix until I was juggling four separate cards with revolving balances all due at different times of the month.   Talk about a headache. Not to mention how confusing it can get trying to make sure I had enough money in my bank account to cover each balance as it came due.   I crunched a lot of numbers, studied calendars, set up notifications to keep myself on track. And the credit card carousel went around and around and around.   As I worked my way through these financial gymnastics month after month, I started to realize my balances weren't going down. Instead, my debts were accumulating week by week. As a result, I needed to do more math and pay even closer attention to the charges I was making.   But they were necessary expenses. Or so I thought. Aside from groceries the other highest expense category was dining out. And we all know that hasn't gotten any cheaper over the last year.   That's when I decided, in order to keep my financial health in check, I needed to make a change. And I'm glad I did.  If you're riding that carousel too and juggling credit cards month over month, accumulating debts and getting stuck paying interest every month, then it's time for you to make that change too. With some planning and discipline, it's entirely possible and I've been able to eliminate my credit card debt doing this.  This is one simple change even you can make and you're likely already holding the key.   The key I'm talking about isn't a fancy debt consolidation loan or balance transfer, though sometimes those help, this one is common, convenient and doesn't cost a thing. It's your humble debit card.   As my revolving credit cards kept digging me deeper and deeper into debt, I realized it was time to break out that dusty debit card sitting forgotten at the bottom of my wallet.   This little card was going to save my accounts from sinking deeper into debt.   Now that I had the tool, the next thing was to come up with a strategy on how I would use it to pay down the debt.   This is where the planning and discipline came in.   The plan was simple. Any and all new charges had to be put on this card. No more credit cards allowed.  The practice was a little harder to implement.   All of my charges went on debit card.  I didn't add any new charges to my credit cards. Yes, I had to say goodbye to earning points and miles, but for the sake of financial security, it's the better choice.   I cut back on things I was purchasing. I'd scope out the deals, avoid impulses, stopped buying extra things online. Essentially stretched my dollar a little bit more.   I had to keep a close eye on my checking account because once that number went too low, I could no longer spend any more. All I could spend was what I had.   Then as paychecks came in, I would pay any credit card bill I had as best I could.   After making sure I had enough money in my checking account to cover necessities, I would put extra towards any of my remiaing credit cards.  If I could throw an extra $100 towards a bill I did. If I could throw an extra 50 I would. It depended on how much I had at the time but any amount counted.  This process took a few months to work through, and for some it might take longer than that, but if you plan it right and stick with it, it will work.   Credit cards give you a lot of convenience, but they often tempt you in more ways than you realize.   The juggling act can work for a time, but it can send you dangerously towards racking up more debt than you can pay off.   Using your debit card keeps your spending in check because it stops you from spending money you don't already have. You're forced to make more thoughtful purchases and pay closer attention to the items you buy.   If there are any other tips or topics, you'd like us to cover, let us know at tcupodcast@trianglecu.org.  Like and follow our Making Money Personal FB and IG page and look for our sponsor, Triangle Credit Union on social media to share your thoughts.   Thanks for listening to today's Money Tip Tuesday and be sure to check out our other tips and episodes on the Making Money Personal podcast.   Have a great day! 

In this episode of Your Drone Questions Answered, John Dickow and David Young from Drone Launch Academy discuss an important topic for aspiring drone business owners. The question submitted by Rob is whether it's necessary to have a business checking account or if clients can simply write checks directly to the operator. David Young shares his expertise and explains the benefits of setting up a separate entity, such as a limited liability company (LLC), and having a dedicated business checking account. He discusses the implications for taxes, liability protection, and the importance of keeping personal and business finances separate. They also explore the option of a fictitious name for those who want a separate account without forming an official LLC. If you're considering starting a drone business or any other type of business, this episode provides valuable insights and advice.Don't miss out on the latest drone-related discussions and questions. Join the Drone Launch Academy Private Community, Drone Launch Connect, and submit your own questions for future episodes. You can also visit ydqa.io to submit questions and access helpful resources. Stay tuned for more episodes and remember, we'll see you in the sky! https://courses.dronelaunchacademy.com/

Check out these fun things: Patreon: ⁠https://www.patreon.com/calebhammer⁠  My socials: ⁠https://linktr.ee/calebhammer⁠  Do you want to be in a Financial Audit and you're in the Austin area? Email castingcalebhammer@gmail.com Sponsorship and business inquiries: calebhammer@creatorsagency.co  _______________________  Timestamps: 00:00 She's being taken advantage of at her job... 05:30 Wanting to do real estate like everyone else in the world 07:00 DEBT DEBT DEBT 08:28 NEGATIVE MONEY IN HER CHECKING! 13:00 Getting depressed with low income and bad debt... 15:30 I'm VERY nervous for you! 17:06 CREDIT CARD DEBT 21:30 This is not a good sign for your future... 24:45 BUDGET!!! 29:00 Risky situation... 30:45 CLEAN THIS UP 34:00 For your future... 38:06 Hammer Financial Score --- Support this podcast: https://podcasters.spotify.com/pod/show/calebhammer/support

Check out these fun things: Patreon: ⁠https://www.patreon.com/calebhammer⁠  My socials: ⁠https://linktr.ee/calebhammer⁠  Do you want to be in a Financial Audit and you're in the Austin area? Email castingcalebhammer@gmail.com Sponsorship and business inquiries: calebhammer@creatorsagency.co  _______________________  Timestamps: 00:00 No one likes you 02:22 What's up? 04:14 Paycheck to paycheck 05:36 $2 IN CHECKING ACCOUNT!!! 08:00 Giving everyone money, when you have no money... 10:45 So-called "savings" 13:00 Credit card debt... 18:55 It's time to get help! 21:33 Let's build a budget 27:40 CLEAN THIS UP 31:20 This is going to take a long time... 34:45 You need to sacrifice to get there! 43:45 Hammer Financial Score --- Support this podcast: https://podcasters.spotify.com/pod/show/calebhammer/support

Pre-Show Millions of dollars lost while moving through an airport (https://www.reuters.com/world/americas/canadian-police-investigating-c20-million-gold-heist-toronto-airport-2023-04-20/) contrasts with over $10 million in BTC (https://www.reddit.com/r/CryptoCurrency/comments/12y32xa/over_10_million_in_btc_was_sent_in_1_transaction/) was sent in 1 transaction this morning, and it cost the sender $5 News Better update LND lightning nodes (https://stacker.news/items/170942) as it looks like a critical vulernability was discovered The release lnd v0.16.1-beta (https://github.com/lightningnetwork/lnd/releases/tag/v0.16.1-beta) notes Altcoins Crypto did not cause Signature, Silvergate and SVB collapses, and FTX exposure was minimal per a U.S. Congressional report (https://www.kitco.com/news/2023-04-27/Crypto-did-not-cause-Signature-Silvergate-and-SVB-collapses-and-FTX-exposure-was-minimal-Congressional-report.html) The report (https://crsreports.congress.gov/product/pdf/IN/IN12148) istelf Economics and Banking The U.S.A.'s banking crisis is not over (https://wolfstreet.com/2023/04/24/first-republic-discloses-its-a-zombie/) as First Republic limps on A former FDIC official observes that the FDIC is broke (https://podverse.fm/episode/wYVEpVzaC) after nationalizing Sillicon Valley Bank (SVB), Signature Bank, and Silvergate Bank Arthur's baaaack and on fire with his latest blogpost (https://blog.bitmex.com/exit-liquidity/) on what a dollarized world is from a trade perspective and what comes next (gold then bitcoin?) China's gold reserves (https://www.gold.org/goldhub/gold-focus/2023/02/chinas-gold-market-january-gold-reserves-continued-rise#:~:text=Gold%20reserves%20rose%20further&text=By%20the%20end%20of%20January%2C%20China%27s%20gold%20reserves%20reached%202%2C025,of%20China%27s%20total%20official%20reserves) continue to rise, perhaps as an alternative escape hatch for trade surpluses Lyn Alden is also back discussing the US debt ceiling (https://www.lynalden.com/april-2023-newsletter/) and how it will interact with relativly illiquid financial markets Bitcoin Education How does a smaller bicoin node (https://dci.mit.edu/utreexo) that uses more bandwidth sound? Meet utreexo (https://bitcoinops.org/en/topics/utreexo/) Feedback Remember to get in touch bitcoindadpod@protonmail.com or @bitcoindadpod (https://mobile.twitter.com/bitcoindadpod) on twitter Consider joining the matrix channel (https://matrix.to/#/#bitcoin:jupiterbroadcasting.com) using a matrix client like element (https://element.io/get-started), details here (https://www.jupiterbroadcasting.com/community/matrix/) Thank you Boosters If you get some value from this show, please consider sending a boost. Hearing from you means a lot to us! Send a Boost via the Podcast Index web page. No Podcast app upgrade required. Install Alby (https://getalby.com/) Find the Bitcoin Dad Pod on the Podcast Index (https://podcastindex.org/podcast/5049889) Boost right from the page! Send a re-ocurring or one-off lightning boost to the show with no message at bdadpod@getalby.com or directly to Chris at chrislas@getalby.com Value for Value Podcasting 2.0 to support an indepenent podcasting ecosystem (https://podcastindex.org/) Recomended Podcasting2.0 apps: Fountain (https://www.fountain.fm/) podcast app (Android) Podverse (https://podverse.fm/) (Cross platform and self hostable) + Alby (https://getalby.com/) for boosts Castamatic (https://apps.apple.com/us/app/castamatic-podcast-player/id966632553) (Apple) Sponsors and Acknowledgements Music by Lesfm from Pixabay Self Hosted Show (https://selfhosted.show/) courtesy of Jupiter Broadcasting (https://www.jupiterbroadcasting.com/)

Did you know that being a net worth millionaire isn't as straightforward as it seems? I received a comment on one of my YouTube videos about how young YouTube millionaires lie to you...which got me thinking about the different ways that information can be manipulated to influence us. In this episode, I use real-life examples to teach critical thinking skills and how to separate the good information from the bad. From net worth millionaires to income and liquid millionaires, there are several ways to calculate this status and you'll learn how these three types of millionaires can easily manipulate the system and mislead you into thinking they're worth more than they are. So tune in and let's dive into the world of millionaire misconceptions.LEAVE A REVIEW if you liked this episode!! Let's Connect On Social Media! youtube.com/anthonyvicino twitter.com/anthonyvicino instagram.com/theanthonyvicino https://anthonyvicino.com Join an exclusive community of peak performers at Beyond the Apex University learning how to build a business, invest in real estate, and develop hyperfocus. www.beyondtheapex.com Learn More About Investing With Anthony Invictus Capital: www.invictusmultifamily.com Multifamily Investing Made Simple Podcast Passive Investing Made Simple Book: www.thepassiveinvestingbook.com

Here's an overview on why it is important to have a business checking account. Enjoy! So here are the links I mentioned in this video:

Waiting for your next paycheck to hit or feeling like you're living on the edge financially doesn't have to be the norm. One of the strategies I teach all of my clients—the checking account buffer—puts an end to all of that. In this episode, let's talk about what the checking account buffer is, how much should be in it, and some common reasons that prevent lawyers from creating one. Head to https://www.rhothomas.com/143 for the full episode show notes. Schedule your consultation to learn how to work with me at https://www.rhothomas.com/call.

In this week's episode, Ryan and Alex discuss a wealth building account and whether or not you have one. If you would like to learn more about Quantified Financial Partners, please visit our website www.holistic-finance.com To read the article referred to in this podcast, please click the link below to go to our blog posting https://quantifiedfinancial.com/news/do-you-have-a-wealth-building-account-5-steps-to-automate  

On today's episodes: Wise ways to prioritize savings goals and potential risks (and rewards) to quitting your job in this economy. Also, special guest Corey Timlin, Head of Consumer Deposits at American Express, offers insights on how to pick a good checking account. This episode is brought to us by American Express. For more visit AmericanExpress.com/RewardsChecking. Learn more about your ad choices. Visit megaphone.fm/adchoices

Yeah, you read that right. Some idiot tried to steal my buddy's checking account. Thieves, thieves everywhere folks! --- Send in a voice message: https://anchor.fm/ed-namrok/message

Welcome back to Celeb Talk Girl Talk Podcast! In today's episode, we have a special guest joining us, Cindy Zuniga-Sanchez! Cindy is a former Corporate Lawyer turned Entrepreneur (Coach, Speaker and Author). She is the founder of Zero-Based Budget where she shares her road to financial freedom!Girl Talk with Cindy Zuniga-Sanchez:How she got rid of her $250,000 debt in 48 monthsThe Blueprint to Financial Freedom (Digital Financial Course)Book dealFinal Thoughts:1. Current Favorite Song: Elevation Worship Playlist on Spotify2. Book Recommendation: Atomic Habits 3. Favorite Quote: God's got me4. Thoughts on Self-love: You have to love yourself if you ever expect to receive love from someone else 5. Advice to younger self: Pick up a personal finance book. Really learn about money!Want More?Follow our guest Cindy Zuniga-Sanchez @zerobasedbudget on InstagramFollow @celebtalkgirltalkpodcast on Instagram, TikTok, and YouTube.Follow Jaanais @jayrosexoxo on Instagram and TikTokFollow Natasha @natasha_fig on Instagram and @natashafigueroa1021 on TikTok Interested? Grab a Cup and Join the Talk!!!!!

In Let's Talk About This, Father uses a question from a listener to talk about where and how he caught a glimpse of Hell. Father finishes with Weekend Readiness to help you prepare for the upcoming Sunday Mass. AOC: Abortion is an Economic Issue Because Giving Birth 'Conscripts' Parents to Work ‘Against Their Will' The Justice and Yes, the Mercy of Hell JP Morgan Cancels Religious Nonprofit's Checking Account, Demands Donor List as Condition for Reconsideration Hell: A Guide After-Birth Abortion: Why Should the Baby Live? Questions? Comments? Feedback? Ask Father!

On this episode of DIY Money, Quint and Daniel discuss different strategies and thoughts on how much to keep in your checking account.

Do I Have To Follow The Court Order That Says I Cannot Close The Joint Checking Account Between My Husband And I During Our Divorce?

Doing our best to connect those lonely soles with the one who got away.

This Podcast Is Episode Number 479, And It's About Ways Reasons Why Contractor Startups Fail And How To Avoid Them Many surveys and reports show that nearly half of all new construction companies close their doors within the first five years of opening them. When we speak with contractors who failed, most say it was due to a lack of cash flow. It was pretty obvious, yet when questioned, all of them said they were "Blind-Sided" and were not aware they were running out of cash until it was too late.   There is a point when a contracting company starts to fail, and nothing short of a massive cash infusion can stop it, and a domino effect begins, which is when a series of similar or related events occur as a direct and inevitable result of one initial event.   Planning is essential to give your business the best chances for success. Planning means anticipating challenges and developing ways to successfully address them, so they don't upset your startup.    Here are three reasons why contractor startups fail and ways you can avoid them.  Lack of market demand Before spending your time, money, and energy starting a construction business, make sure there's a need for it. You need to have a market to make money. That means there needs to be enough people who need your product or service and are willing to pay money to buy or use it. Without that, you won't be able to cover your costs or earn enough to survive.  Some ways you can identify need: Look for competition. If no one else is offering the service, there's a chance there's no market for it. That might not initially stop you from moving forward, but if no one already offers your product or service—or anything close to it—you'll have to do more to prove there's a market.  Conduct market research. Studies and interviews help determine whether people in your target market agree with you that there is a need for your offering and that they would pay for it.  Lack of expertise Entrepreneurs might be tempted to partner with or hire their friends or family—people they genuinely like and would work well with. That doesn't always translate to success, however. For your business to succeed, you need specific expertise and people whose skills complement yours.  It would be best if you also had people willing to discuss your decisions with you and ensure there's a business case for each decision you make. Someone with a differing perspective provides a vital way to double-check whether your choices are best in the long-term for your business or whether other options are available.  Ensure you hire people with balanced competencies. If your roofing business involves installing solar panels, you might need a technical expert to ensure the technology runs smoothly. You'll likely also need a financial expert to help you with bookkeeping and possibly a manager to oversee employees. Hiring people you like is fine, but make sure your team also has the skills to manage your business successfully.  Lack of finances You need money to produce your services and ensure all employees are paid, including you. It's not enough to know how much money you need month-to-month; you need to forecast your development cycle, how inventory moves through your supply chain and variations in seasonal income.  If your construction business doesn't earn as much in the first few months as you predicted, you'll need to bring in more money quickly to save your business.  Lack of cash holds up material deliveries, which causes labor to be idle and continue costing money, and then payroll checks bounce, and your construction workers take your tools and equipment to the pawn shop to get paid that way, and the contracting company spirals down to its end. One accounting tip that could help your new contracting business is opening three business checking accounts. If you were to ask contractors about the big mistakes they made when they started, they wished they had kept their business and personal expenses completely separate. Not only does it make day-to-day contractor bookkeeping easier, but it also makes monthly, quarterly, and annual tax preparation smoother. Checking Account 01 - Your primary checking account should not have any credit or debit cards attached to it. All money is deposited into this account, and you make transfers into the other two versions as needed. Checking Account 02 - The payroll checking account should have just enough money to cover payroll with perhaps a tiny cushion of $100. You can transfer funds into this account as needed from your primary account without needing paper checks. This limits exposure to payroll fraud, and this account should not have any credit or debit cards attached to it. Checking Account 03 - Petty Cash checking account with $500 +/- this account should have debit cards that work like credit cards attached to it for making small purchases in the field; if you want to provide your foreman and forewomen with a debit card to be used as a credit card you can. You can transfer funds into this account as needed from your primary account without needing paper checks. NEVER give out the PIN. Final thoughts Develop your business plan. Focus on the best areas to innovate or improve. By planning, being strategic with whom you hire, ensuring a market for your offerings, and with construction bookkeeping and accounting done right, you can significantly improve your odds of success. Know that in time your company will become legendary to such a degree that your clients will be raving fans, and referrals will be part of your marketing strategy. About The Author: Sharie DeHart, QPA is the co-founder of Business Consulting And Accounting in Lynnwood, Washington. She is the leading expert in managing outsourced construction bookkeeping and accounting services companies and cash management accounting for small construction companies across the USA. She encourages Contractors and Construction Company Owners to stay current on their tax obligations and offers insights on how to manage the remaining cash flow to operate and grow their construction company sales and profits so they can put more money in the bank. Call 1-800-361-1770 or sharie@fasteasyaccounting.com

Teaching kids about money can be tricky, but have no fear! Our conversation with guest Kelly Peden of Mazuma Credit Union covers all things financial literacy. Join us as we discuss money introduction, when to open a banking account, whether or not kids should have jobs as they get older, modeling money management, and much more.   Kelly has been with Mazuma Credit Union for 14 years. She started as a teller in 2008 and is now the branch leader at the Gladstone location. Kelly fell in love with the Mazuma culture and what they stand for, making Kansas City a better place to live, work, and bank. Thank you to our episode sponsor! Mazuma Credit Union The sooner you start teaching your kids about money management, the more prepared they'll be for financial success. Help your kids get money smart and being to build healthy financial habits by opening an account at Mazuma Credit Union! Mazuma has youth accounts to help kids of all ages learn the basics of banking. The Money Bunny Savings account is perfect for kids under 13 to begin to learn the basics of money and saving. For the teens, our For Young Investors Savings and Checking Account helps them take the next steps in learning about banking, spending, and budgeting.  

This recording is from Fintech Nexus USA (formerly known as LendIt Fintech USA) held at the Javits Center in New York City on May 25-26, 2022. It is from our Keynote stage and is titled, The Future of Consumer Finance is Digital—Why Your Checking Account May Be the Key. Speaking at this session is Swati Bhatia, Marcus by Goldman Sachs with Moderator: Todd Anderson, Fintech Nexus.

Welcome to the month of April, National Financial Literacy Month and throughout this month I will be producing podcasts to assist listeners in better understanding the importance of being financially literate. This is not all, budgeting can help you offset the inflationary cycle we are in.Here is what budgeting is all about and the assumption that everyone knows what budgeting is all about is not true. Here are just a few things to consider as you budget your money and work to navigate inflation.What is a budget?A finance plan that allocates future personal income toward expenses, savings, and debt repaymentBenefits of Budgeting:•Gives you control over your money•Keeps you focused on your financial goals•Helps you stay aware of where your money goes•Helps you save for expected and unexpected costs•Clarifies areas where you can save moneyThree main components of a budget:IncomeExpensesSavingsWhere to start developing a budget•Understand your money and how you spend it•Make tough decisions about spending priorities•Budget with a lifestyle in mind•Build a budget that allows you to saveBudgeting with a lifestyle in mindClarify the life aspects you give priority, and then split them into 3 areas:•Items that create meaning and bring you joy•Things you want, but that can wait•Things you would like to have, but aren't essentialThings to remember about budgeting•Make sure your list reflects your priorities•You can always adjust your goals as your priorities change•Budgeting takes time, patience, and effort•If your first attempts don't go as planned, don't give up•Look for ways to make tracking spending easier – like mobile appsWhat happens if you don't budget•Overspending•Falling into a debt cycle•Limited spending power•Limited savings and investments•Lack of future securityThe bottom line•Budgeting is about saving money•Better budgeting helps you end up with more money to manage•An accurate budget brings discipline and order to your finances•Use your budget to guide important decisions•Earning more than you spend is the way to a low-stress, comfortable life!When you embrace and take a consistent and committed approach to budgeting you can offset inflation. How? Change your mindset and relationship with money.  For example, instead of purchasing gas at any gas station, comparison shop for the best places to purchase gas. When it comes to purchasing food, you can also compare different grocery stores to get the best value for your money.Pay off credit card debt, interest rates are going to be increased six more times in 2022, per the Federal Reserve, so become debt-free and save money in the process. Lastly, the best way to navigate inflation is to develop a spending plan and stick to it.Discover more about Paul's virtual Financial Fitness course at this link, it is being offered at a 50% discount throughout the month of April, learn more about it at this link:  https://bit.ly/3dbperG

On today's episode, we discuss how Apple's new Tap to Pay feature will disrupt the payments world. Then for "In Other News," we talk about the impact of American Express' new checking account and what will happen now that buy now, pay later firm Afterpay is integrated with Block (formerly Square). Tune in to the discussion with VP of content and head of financial services Daniel Van Dyke and our analyst Jaime Toplin.   For sponsorship opportunities contact us:   advertising@insiderintelligence.com.   For more information visit:   www.insiderintelligence.com/contact/advertise/ Have questions or just want to say hi? Drop us a line at podcast@emarketer.com © 2022 Insider Intelligence

American Express has launched its first all-digital consumer checking account, the company announced on Tuesday. The new offering, American Express Rewards Checking, is currently available for eligible U.S. Consumer Card Members.

Check out your beloved hostsSteven Walker is the CEO of MannaFest Media, LLC, which he started due to of being laid off from a major broadcast media company because of COVID-19 downsizing. He realized that many companies and their employees are being adversely affected by the results of COVID-19. He is a seasoned marketing professional that has worked with fortune 100 companies and media agencies that specialize in innovation and ideation, which drives the company's brand and messaging forward to capture their target market. 919-208-5478, steven@MyPurposeMyPower.com, www.MyPurposeMyPower.comSaa'dia DouglasMrs. Douglas is the CEO of Prosperity Financial Services, LLC, whose vision is to help individuals and business owners obtain financial freedom. Prosperity Financial Services, LLC offers Consulting Services, Tax and IRS Resolution Services, Life Insurance and Investment Policies, and Business Services, including Business Formation, Financial Strategies, and Bookkeeping Services. Mrs. Douglas is a Certified Public Accountant with a BSBA and an MBA in Accounting. Saa'dia is a member of the AICPA, VSCPA, and the Richmond Association of Government Accountants, where she served as President of the Richmond Chapter. Prosperity Financial Services, LLC (804)349-8600 www.pfsurcpa.com Douglassjwcpa@gmail.comKevin Angelo VaughanI'm the owner/founder of the MLT Network, LLC – mltnetworks.net. The MLT Networks provides three areas of its business sector; online media services, business consulting and health and wellness business & products. I draw my business success from my experience/training from my electronic engineering degree and over 40 years of training.My goal is to always “find the need and fill-it” as it relates to helping other people succeed. I can be reach via email; menletstalk@gmail.com or phone: 404-401-0233. Alan Bartlett BioAE Bartlett's passion is articulating Truth, using multiple tools to express a thought, a concept or a belief. He has a different way of viewing things, he is gifted or cursed to see things differently. Yet blessed to have lived a life that honors God's. A decorated Marine, award winning technologist, Bible scholar and former Chaplin with a MA in religion and BA information systems, is well disciplined in the art of researching the drama of life, then connecting biblical truths to modern day issues. For more information feel free to contact me directly at 540-693-0008 www.HTEAS.comMarquis D. WashingtonMarquis D. Washington is an American podcaster and voice actor based in Indianapolis, Indiana. He is the creator and host of Firebackradio.com whose goal is to provide “kitchen table conversations” on anything from politics, religion, history, and conspiracy to reflect on what could have been done better and reach for a more positive alternative. And most recently,Maxine PhillipsMaxine is also a holistic health advocate and an experienced mentor, actively giving back through volunteering in several organizations outside of the professional arena. Connect with her at www.levellessco.com and received your complimentary e-book "Making Journaling Part of Your Every Day Life" or on Facebook at www.facebook.com/maxine.phillips.96 and Linkedin at https://www.linkedin.com/in/maxinephillips/ STanya Harper Tanya Harper has received her Bachelor of Biblical Studies from the College of North Carolina of Theology in 2009. In 2019 she is completed her graduate degree in Biblical Studies as well. She hold certification in nursing, administrative and food service.In October 2011 Tanya Harper started her own business Agape Hands Care Services of providing home care services to seniors and ones in need "Love, Serve, Repeat" In August 2015 she wrote her first book “ Releasing and receiving” book of poetry. Feel free to contact me directly phone: 304-995-6239 email: ttharper0706@gmail.com website: www.lifeofacaregivers.comJerome ReddCall him an actor, author, comedian, husband, instructor, mentor, soldier, retiree, public speaker, friend and more. Jerome Redd is a man of many talents, abilities, and skills. If you ask him what characterizes him the best, he might say the follow. His sixth-grade teacher, Mr. Posey, told him that he could be anything he wanted to be. Jerome, coming from an impoverished background, refused to allow that setback determine his future and his fate. Something tells me that we are going to be hearing more from Mr. Jerome Redd in the very near future. Check back on him later.Mexit NewsMexit News Network is an American news-based broadcast that focuses solely on the Middle-Class Exit. Founded and Owned by Antonio T Smith Jr, a unit of the ATS TV. Check out Mexit News at https://mexitverse.comATS TVhttps://antoniotsmithjr.comHey!It's me! Antonio!I HAVE STARTED MY OWN TELEVISION NETWORK. Think Oprah Winfrey Network or my own Netflix or Tyler Perry Studios. I've self-funded videos and I've been the star of them for years. However, making videos gets really expensive and I also have a lot of full-time employees I have to pay every week!During this process, I'm also inviting other creators to my platform to share in the wealth. I've added shows like Sip With ThWitch, Fun Wide Open and more. I've brought on creators to add their content to reach the millions of viewers that stream with me every day.I made a pledge to bring you at least 5 pieces of original content every week in different categories like:-Comedy-News-Personal Development-Education-…and moreAnd I want to continue doing that!! However, with your help, these can be SO MUCH BETTER. You may notice that my production value goes up when I get donations. Wanna know why? Because I had money to spend on it! The more money I get, the more money I can invest in better videos, editing programs and more. It's that simple!So, if you can spare a few dollars (or even just $2) and you decide to give it to me - THANK YOU. From the bottom of my heart THAAAANK YOU!!! I really hope to continue to grow as an educator / filmmaker / storyteller and continue to bring you content and other creators you learn from and enjoy for many years to come.As I grow I'll continue to expand to bring you bigger and better content on a more regular basis. We have some massive ideas... like ridiculously big. Kind of crazy big... BUT LETS DO IT!! ~Antonio T. Smith, Jr.

In this episode, we talk about how to set up your legal entity, business checking account, and get an employer identification number (EIN #). Getting your business house in order will help keep everything organized, limit your personal liability, and ensure you are compliant come tax time. Here are the Steps: We recommend incorporating with your State as a Limited Liability Company Limits your personal liability to the amount of money in the company and protects against other personal assets being at risk To ensure this protection, you must keep your business and personal expenses separated by opening a business checking account and using that account only for the business LLC's also require less ongoing regulatory paperwork for compliance To open an LLC, search Google for your State's Secretary of State: For Example: search “Texas Secretary of State” Then, read the Business Services Section and follow the Online Steps to Open an LLC Once you have signed up for an LLC, you will receive a Certificate of Organization and an Articles of Incorporation from your State, usually within a few days After you receive these documents and know that everything was approved, it's time to apply for an Employer Identification Number (EIN#) To Apply for an EIN, search Google for: “Apply for an EIN” and go to the first non-ad link and click “Apply Online Now” and it should take just a few minutes to receive your EIN number Now that you have an EIN, registered LLC with a Certificate of Organization and an Articles of Incorporation, you can go to your bank and open a Free Business Checking Account (they will ask for the above documents so bring copies with you) Lastly, you can now also apply for a Business Credit Card to help with cash flow and earning reward points/bonuses (we love Chase Rapid Rewards Credit Cards and Southwest Credit Cards if trying to get the Southwest Companion Pass) ***** If you want to start your own online Amazon Ecommerce business simply follow the steps of our Ultimate Guide by Clicking the Following Link: https://businessandinvestingsherpa.com/how-to-start-an-amazon-business/ Today's Sponsor: M1 Finance: https://businessandinvestingsherpa.com/m1 M1 Finance is one of my favorite investment tools because it's FREE, it allows you to purchase partial shares of stock, and it allows you to do automatic rebalancing. Resources Needed to Start Your Business and Invest the Profits (Our Top Recommendations) - Jungle Scout - (30% Discount with this Link) Top Tool for Selling on Amazon - https://businessandinvestingsherpa.com/junglescout TaxJar - Essential for Sales Tax Collection for Sales on Your Website - https://businessandinvestingsherpa.com/taxjar QuickBooks - What we use for accounting, we love setting up automated rules - https://businessandinvestingsherpa.com/quickbooks Mentions: Southwest Rapid Rewards - https://businessandinvestingsherpa.com/southwest Disclaimer: The above links are affiliate links, meaning we will earn a small commission at no cost to you. We greatly appreciate your support of the show in this way! --- Support this podcast: https://podcasters.spotify.com/pod/show/businessinvestingsherpa/support

It's easy to get caught in a cycle of mounting overdraft fees, credit card interest and high-cost loans. A few simple tools can help you hold onto those hard-earned dollars.Learn more about sponsor message choices: podcastchoices.com/adchoicesNPR Privacy Policy

Funding Member Deals from Our Personal Checking Account (LA 1173) Transcript: Steve Butala: Steve and Jill here. Jill Dewitt: Hello. Steve Butala: Welcome to The Land Academy Show, entertaining land investment talk. I'm Steven Jack Butala. Jill Dewitt: and I'm Jill Dewitt, broadcasting from sunny Southern California. Steve Butala: Today Jill and I talk about funding member deals from our own personal checking account. As I said yesterday, this is true, we, Jill and I have, there's no smoke and mirrors here. When we decided to do a deal, funny deal, and Jill's going to talk all about it today, it's comes out of our personal account. That's how much we believe in the deal and the person that we're doing the deal with. Before we get into it though, let's take a question posted by one of our members on the landinvestors.com online community. It's free. Jill Dewitt: Charlie asks, "I have a chance to buy a lot as a very small set of buyers. I have one guy that normally buys everything with almost no research into the properties other than a brief title check. He doesn't care about access or attributes. My dilemma is that this new property is 100-plus acres and him and I are normally dealing in the five to 10 acre range. So how do I ask if he wants a property that I don't own yet because if he's not interested then I'll pass on it as well? Thanks." Steve Butala: This is a great question and it's one that I think is pertinent to anybody that's been in this business for more than six months. We all find people we'd love to sell property to and there was a time in my career, not so much anymore, where I was only working with one or two, on some cases just one buyer. If it didn't fit the Mark, I just moved on. This was long before a Jill or Land Academy. So I understand this point in your career where you are, and my advice would be to you if you've done a bunch of deals with this person, just lay it on him. See if he says yes or no. Steve Butala: I'm not sure I would pass on it if it's a great deal, especially because this group exists that we're in, so if it's a good deal, I would get it into landtank.com or get it onto at least landinvestors.com and say, "Hey, this deal doesn't work for me. It might work for you guys. Let's partner it, but I don't want to put any money in," or, "Hey, why don't you throw me 1000 bucks if you believe in the deal? I'll turn it all over to you." But don't let it go to waste. Jill Dewitt: Mm-hmm (affirmative). I agree and I too, even since we've been working together, I've had buyers that I really knew. I knew right away when we're buying them. I know who's going to buy this one. I know who's going to buy that one and who's going to buy this one. I love those relationships because it's such an easy conversation. I just send him, "Hey, I just got these this week. You want them?" He'll say, "One, two and five. Yep. Done." That's all we talk about. He knows where to wire the money. I watch it pop in. I know how he likes the deed done, I just do it. That's the extent of it. It's one email to him, one email back, and then the deal is done. So these are great. I agree with you, when you said a very small set of buyers, to me what I'm hearing Charlie say is it's a small buyer's pool or just unique person who's going to want 100 acres. Jill Dewitt: I agree. And then price point, just like with any real estate, there's a price point where you get a lot of people, maybe what the middle-class can afford, let's just say, that kind of a thing. I'm sure it applies to cars. It applies to everything. It applies to jewelry, everything. Steve Butala: Food. Jill Dewitt: Food, restaurants. There's a sweet spot there. Then it's also, you have a spot with a size of the properties. Some people will look at one acre and go, "Oh, that's too big." There's a lot of people that five to 10 acres. What we found, south of 10 acres, people can swallow that. Five acres, you could stand there and walk it and see it, but 100 acres,