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In this special crossover episode between FCRA Focus and The Consumer Finance Podcast, Kim Phan, Dave Gettings, Chris Willis, and Cindy Hanson explore the recent withdrawal of Consumer Financial Protection Bureau (CFPB) guidance affecting the Fair Credit Reporting Act (FCRA). This episode provides a comprehensive analysis of how these changes impact key areas such as preemption, background screening, permissible purpose, artificial intelligence, and state attorneys general enforcement actions. The discussion highlights the implications for consumer reporting agencies, furnishers, end-users, and the broader regulatory landscape, offering valuable insights for professionals navigating these evolving challenges. Tune in to understand the potential shifts in compliance and enforcement.
Your Insert Credit panel faces parrying mechanics, Elden Ring Nightreign's AMV theme and sexy bird men, and Hotel Rwanda but with Mario. Plus, a sneak peek at an unreleased Famicom game! Hosted by Alex Jaffe, with Frank Cifaldi, Ash Parrish, and Brandon Sheffield. Edited by Esper Quinn, original music by Kurt Feldman. Watch episodes with full video on YouTube Discuss this episode in the Insert Credit Forums SHOW NOTES: Video Game History Foundation Bubsy series Bubsy 2 Team 02.jpg Nani Ga Suki Full Sail University 1: What makes a game edgy? (03:49) Nu metal Elden Ring Nightreign Bring Me To Life trailer Dragon Ball: Sparking Zero Toonami-style promo The Rehearsal Captain Sully Limp Bizkit Red Hot Chili Peppers System of a Down Korn Powerman 5000 Lit Sonic Adventure series Shadow the Hedgehog Neil Druckmann The Last of Us: Part II Nier series Metal Gear Solid V: The Phantom Pain 2: How do you feel about critical hit systems in games? (10:21) Ghostwire: Tokyo Clair Obscur: Expedition 33 Metaphor Re:Fantazio Why BDS Is Calling for an Xbox Boycott Persona series King of Fighters series 3: Ash Parrish asks, pro- or anti-parrying? (17:14) Parrying Is The Best Thing In Video Games Parrying Is The Worst Thing In Video Games David Perry Earthworm Jim Disney's Aladdin MDK Street Fighter III: 3rd Strike Doom series Bayonetta series Baseball Perry White J. Jonah Jameson Cricket Volleyball Tennis Phil Salvador Game Boy Camera Perry Guardian 4: What would JRPGs look like from other European countries? (23:37 ) Farming Simulator European Truck Simulator Rocket League Sifu Greggs Final Fantasy XV Datsun The Witcher series Dragoon Street Fighter II Mafia series 5: Magnanimus asks, what's the best game on the Wikipedia page “List of games notable for negative reception?” (30:41) List of video games notable for negative reception Cyberpunk 2077 Custer's Revenge Night Trap Dr. Jekyll and Mr. Hyde Fallout 76 Final Fantasy XIV Batman: Dark Tomorrow Double Dragon series Sonic series Balan Wonderworld Babylon's Fall Robert Louis Stevenson Hotel Mario Hotel Rwanda (2004) Mario is Missing 6: Which video game character do you think the most actual human people have been named after? (36:49) Cloud Strife Aerith Gainsborough Bella Swan John Marston Princess Zelda Zelda Fitzgerald F. Scott Fitzgerald Sephiroth Jenova Chen 7: Create a definitive ranking of the five best Pac-Man games (40:59) Pac-Man 2: the New Adventures Ms. Pac-Man Pac-Man: Championship Edition Super Smash Brothers series Pac-Land Pac 'n Roll Pac-Man World Shadow Labyrinth Secret Level Frogger series Pac-Attack Pac-in-Time Pac-Man VR Ms. Pac-Man Maze Madness Pac-Pix 8: If your dog or cat suddenly became a human being, what video games do you think they'd be into? (45:43) EA FIFA / EA Sports FC series Call of Duty series Frosty the Snowman Duck Hunt Point Blank Police Trainer series Small Saga Shadow of the Colossus Pokemon Let's Go Eevee Stray LIGHTNING ROUND: Name Design - JAV Titles (51:47) Credit Report (01:03:40) Recommendations and Outro (01:07:00): Frank: We're Dumping 125 Mystery Prototype ROMs! Exclusive debut of tiles from an unreleased Famicom game, “Nurse Hitler” batch Exclusive debut of tiles from an unreleased Famicom game, “Duneish” batch Picture of Corn Dog Picture of Taffy Brandon: Wind Breaker, thanks for being a left-wing person, not the movie Blackenstein (1973) Ash: The Apothecary Diaries, touch grass, Dropout.tv Picture of Bu Picture of Gus This week's Insert Credit Show is brought to you by patrons like you. Thank you. This week's horrible buzzer was sent in by Matt McNeely. Thanks! To submit your own horrible buzzer, send an original recording no longer than two seconds in mp3 or wav format to show@insertcredit.com, and maybe we'll use it on the show! Subscribe: RSS, YouTube, Apple Podcasts, Spotify, and more!
Your Insert Credit panel faces parrying mechanics, Elden Ring Nightreign's AMV theme and sexy bird men, and Hotel Rwanda but with Mario. Plus, a sneak peek at an unreleased Famicom game! Hosted by Alex Jaffe, with Frank Cifaldi, Ash Parrish, and Brandon Sheffield. Edited by Esper Quinn, original music by Kurt Feldman. Watch episodes with full video on YouTube Discuss this episode in the Insert Credit Forums SHOW NOTES: Video Game History Foundation Bubsy series Bubsy 2 Team 02.jpg Nani Ga Suki Full Sail University 1: What makes a game edgy? (03:49) Nu metal Elden Ring Nightreign Bring Me To Life trailer Dragon Ball: Sparking Zero Toonami-style promo The Rehearsal Captain Sully Limp Bizkit Red Hot Chili Peppers System of a Down Korn Powerman 5000 Lit Sonic Adventure series Shadow the Hedgehog Neil Druckmann The Last of Us: Part II Nier series Metal Gear Solid V: The Phantom Pain 2: How do you feel about critical hit systems in games? (10:21) Ghostwire: Tokyo Clair Obscur: Expedition 33 Metaphor Re:Fantazio Why BDS Is Calling for an Xbox Boycott Persona series King of Fighters series 3: Ash Parrish asks, pro- or anti-parrying? (17:14) Parrying Is The Best Thing In Video Games Parrying Is The Worst Thing In Video Games David Perry Earthworm Jim Disney's Aladdin MDK Street Fighter III: 3rd Strike Doom series Bayonetta series Baseball Perry White J. Jonah Jameson Cricket Volleyball Tennis Phil Salvador Game Boy Camera Perry Guardian 4: What would JRPGs look like from other European countries? (23:37 ) Farming Simulator European Truck Simulator Rocket League Sifu Greggs Final Fantasy XV Datsun The Witcher series Dragoon Street Fighter II Mafia series 5: Magnanimus asks, what's the best game on the Wikipedia page “List of games notable for negative reception?” (30:41) List of video games notable for negative reception Cyberpunk 2077 Custer's Revenge Night Trap Dr. Jekyll and Mr. Hyde Fallout 76 Final Fantasy XIV Batman: Dark Tomorrow Double Dragon series Sonic series Balan Wonderworld Babylon's Fall Robert Louis Stevenson Hotel Mario Hotel Rwanda (2004) Mario is Missing 6: Which video game character do you think the most actual human people have been named after? (36:49) Cloud Strife Aerith Gainsborough Bella Swan John Marston Princess Zelda Zelda Fitzgerald F. Scott Fitzgerald Sephiroth Jenova Chen 7: Create a definitive ranking of the five best Pac-Man games (40:59) Pac-Man 2: the New Adventures Ms. Pac-Man Pac-Man: Championship Edition Super Smash Brothers series Pac-Land Pac 'n Roll Pac-Man World Shadow Labyrinth Secret Level Frogger series Pac-Attack Pac-in-Time Pac-Man VR Ms. Pac-Man Maze Madness Pac-Pix 8: If your dog or cat suddenly became a human being, what video games do you think they'd be into? (45:43) EA FIFA / EA Sports FC series Call of Duty series Frosty the Snowman Duck Hunt Point Blank Police Trainer series Small Saga Shadow of the Colossus Pokemon Let's Go Eevee Stray LIGHTNING ROUND: Name Design - JAV Titles (51:47) Credit Report (01:03:40) Recommendations and Outro (01:07:00): Frank: We're Dumping 125 Mystery Prototype ROMs! Exclusive debut of tiles from an unreleased Famicom game, “Nurse Hitler” batch Exclusive debut of tiles from an unreleased Famicom game, “Duneish” batch Picture of Corn Dog Picture of Taffy Brandon: Wind Breaker, thanks for being a left-wing person, not the movie Blackenstein (1973) Ash: The Apothecary Diaries, touch grass, Dropout.tv Picture of Bu Picture of Gus This week's Insert Credit Show is brought to you by patrons like you. Thank you. This week's horrible buzzer was sent in by Matt McNeely. Thanks! To submit your own horrible buzzer, send an original recording no longer than two seconds in mp3 or wav format to show@insertcredit.com, and maybe we'll use it on the show! Subscribe: RSS, YouTube, Apple Podcasts, Spotify, and more!
In Jan. 2025, then-Vice President Kamala Harris announced a final rule by the Consumer Financial Protection Bureau to remove medical debt from consumers’ credit reports. The policy was to take effect in March, but just like many other Biden-era actions, the Trump administration is changing course. Now, a federal judge is expected to decide in mid-June about whether to vacate the consumer protection rule. Georgia ranks among the top five states with the most medical debt, with 13% of adults in the state owing money. Former health tech executive and consumer advocate Scott Speranza, the CEO of HealthLock, discusses what this could mean for Georgians. For “Closer Look’s” Class of 2025 graduation series, we hear from Bon Varlet. The standout Kennesaw State University graduate majored in information technology. She talks with Rose about her academic journey, including earning a Fulbright Study Award, and her aspirations to attend law school and to protect public institutions, particularly libraries.See omnystudio.com/listener for privacy information.
The finest minds in video games reconvene to cover Chicago game industry history, schadefreude, and the Red Hot Chili Peppers. Hosted by Alex Jaffe, with Frank Cifaldi, Ash Parrish, and Brandon Sheffield. Edited by Esper Quinn, original music by Kurt Feldman. Watch episodes with full video on YouTube Discuss this episode in the Insert Credit Forums SHOW NOTES: Metaphor: ReFantazio An Update to the Insert Credit Prize Wall (03:32) Pee-wee's Playhouse Red Hot Chili Peppers Hot Red Chili Peppers 1: Frank, what's up with Duelin' Firemen? (05:57) Duelin' Firemen 3DO Steve Albini Tony Hawk Rudy Ray Moore CD-ROM Urban Yeti! Eugene Jarvis Raw Thrills Roger Sharpe Pinball: The Man Who Saved the Game (2022) Midway Incredible Technologies Golden Tee series Time Killers Jeff Lee Q*bert Mad Planets California Extreme 2: DIDDY WATCH: Frank, Nintendo has produced evidence that Diddy Kong is still alive and will be in Bananza. When have you been wrong about a video game before? (13:46) After Redesigning Donkey Kong, Nintendo Has Tweaked Another Classic Character Bigger Luke Indiana Jones and the Great Circle Indiana Jones and the Great Circle would've been better as a movie The 7th Guest Battle Arena Toshinden Street Fighter III: 3rd Strike Adrian Monk 3: What's the greatest love story in a video game that isn't a dating sim or RPG? (19:19) Mario Pauline The Last of Us God of War series Red Dead Redemption series Doom: the Dark Ages Doomguy Doom: The Dark Ages is for lovers and slayers Doom 4 Isabelle 4: When have you gotten the most personal joy from a video game company's misfortune? (25:05) Acclaim Entertainment Edge Six Feet Under Web3 Cybertruck Starlink Tesla Starts Accepting Cybertruck Trade-Ins – According to Tesla, a Cybertruck Loses $35,000 Over 6,000 Miles ($5.6 Per Mile) Target Bonk Sega Saturn NiGHTS into Dreams… TurboGrafx WonderSwan Dragon Age: Inquisition Anders 5: Isla asks, what is a game mechanic or system you really like that is in a game you don't like? (32:01) Bayonetta 3 Metal Gear Solid series David Cage Detroit: Become Human Heavy Rain Bioshock series Zero4 Champ Final Fantasy XV Cindy Aurum Tails' Skypatrol Sonic the Hedgehog 2 6: Liz Ryerson asks, what are some of your favorite video game sound effects? (38:18) Sonic the Hedgehog series Hideo Kojima Metal Gear Solid series King of Fighters series Neo Geo Astro Bot Astro Bot sounds as great as it plays Senua's Saga: Hellblade II Indika Ghostwire: Tokyo 7: What is the hack stand-up comedian making jokes about airline food of video games? (44:01) Peter Molyneux Madden series NBA 2K series EA FIFA / EA Sports FC series WWE 2K series Dark Souls series Eat Lead: The Return of Matt Hazard Rick & Morty High on Life Forspoken Splatterhouse Portal series Left 4 Dead Cake LIGHTNING ROUND: Who's the Boss? (50:37) Credit Report (01:01:13) Recommendations and Outro (01:02:16): Brandon: Ghostwire: Tokyo Frank: Stay tuned for a possible “Let's Figure Out What's On These Taito EPROMs” stream from the VGHF, possibly on the 28th Jaffe: Mailbag Mountain - Live Unboxing 1000 Pounds of Video Game Magazines Ash: Last Defense Academy: the Hundred Line This week's Insert Credit Show is brought to you by patrons like you. Thank you. Subscribe: RSS, YouTube, Apple Podcasts, Spotify, and more!
The finest minds in video games reconvene to cover Chicago game industry history, schadefreude, and the Red Hot Chili Peppers. Hosted by Alex Jaffe, with Frank Cifaldi, Ash Parrish, and Brandon Sheffield. Edited by Esper Quinn, original music by Kurt Feldman. Watch episodes with full video on YouTube Discuss this episode in the Insert Credit Forums SHOW NOTES: Metaphor: ReFantazio An Update to the Insert Credit Prize Wall (03:32) Pee-wee's Playhouse Red Hot Chili Peppers Hot Red Chili Peppers 1: Frank, what's up with Duelin' Firemen? (05:57) Duelin' Firemen 3DO Steve Albini Tony Hawk Rudy Ray Moore CD-ROM Urban Yeti! Eugene Jarvis Raw Thrills Roger Sharpe Pinball: The Man Who Saved the Game (2022) Midway Incredible Technologies Golden Tee series Time Killers Jeff Lee Q*bert Mad Planets California Extreme 2: DIDDY WATCH: Frank, Nintendo has produced evidence that Diddy Kong is still alive and will be in Bananza. When have you been wrong about a video game before? (13:46) After Redesigning Donkey Kong, Nintendo Has Tweaked Another Classic Character Bigger Luke Indiana Jones and the Great Circle Indiana Jones and the Great Circle would've been better as a movie The 7th Guest Battle Arena Toshinden Street Fighter III: 3rd Strike Adrian Monk 3: What's the greatest love story in a video game that isn't a dating sim or RPG? (19:19) Mario Pauline The Last of Us God of War series Red Dead Redemption series Doom: the Dark Ages Doomguy Doom: The Dark Ages is for lovers and slayers Doom 4 Isabelle 4: When have you gotten the most personal joy from a video game company's misfortune? (25:05) Acclaim Entertainment Edge Six Feet Under Web3 Cybertruck Starlink Tesla Starts Accepting Cybertruck Trade-Ins – According to Tesla, a Cybertruck Loses $35,000 Over 6,000 Miles ($5.6 Per Mile) Target Bonk Sega Saturn NiGHTS into Dreams… TurboGrafx WonderSwan Dragon Age: Inquisition Anders 5: Isla asks, what is a game mechanic or system you really like that is in a game you don't like? (32:01) Bayonetta 3 Metal Gear Solid series David Cage Detroit: Become Human Heavy Rain Bioshock series Zero4 Champ Final Fantasy XV Cindy Aurum Tails' Skypatrol Sonic the Hedgehog 2 6: Liz Ryerson asks, what are some of your favorite video game sound effects? (38:18) Sonic the Hedgehog series Hideo Kojima Metal Gear Solid series King of Fighters series Neo Geo Astro Bot Astro Bot sounds as great as it plays Senua's Saga: Hellblade II Indika Ghostwire: Tokyo 7: What is the hack stand-up comedian making jokes about airline food of video games? (44:01) Peter Molyneux Madden series NBA 2K series EA FIFA / EA Sports FC series WWE 2K series Dark Souls series Eat Lead: The Return of Matt Hazard Rick & Morty High on Life Forspoken Splatterhouse Portal series Left 4 Dead Cake LIGHTNING ROUND: Who's the Boss? (50:37) Credit Report (01:01:13) Recommendations and Outro (01:02:16): Brandon: Ghostwire: Tokyo Frank: Stay tuned for a possible “Let's Figure Out What's On These Taito EPROMs” stream from the VGHF, possibly on the 28th Jaffe: Mailbag Mountain - Live Unboxing 1000 Pounds of Video Game Magazines Ash: Last Defense Academy: the Hundred Line This week's Insert Credit Show is brought to you by patrons like you. Thank you. Subscribe: RSS, YouTube, Apple Podcasts, Spotify, and more!
Credit cards can be a game-changer for your finances—or a slippery slope into debt. In this encore episode, we take an in-depth look at the pros and cons of credit card usage. From rewards points and cashback perks to the risks of high-interest debt and overspending, we break down when using a credit card helps and when it harms. If you've ever wondered, “Should I use a credit card or not?” this episode is for you. Tune in to learn how to make intentional financial decisions and decide if swiping is the right choice for you. Our website: www.forbetterandworth.com Get Ericka's book, Naked and Unashamed: 10 Money Conversations Every Couple Must Have Check out our local TV spotlight Connect with us: Instagram: @forbetterandworth YouTube: @forbetterandworth Ericka: @erickayoungofficial Chris: @1cbyoung
Send us a textCurious about commercial real estate but unsure where to start? In this enlightening conversation, commercial lending expert Kamyar demystifies the process of acquiring commercial properties and reveals why they often represent superior investments to residential real estate.The financial advantages of commercial property ownership become immediately clear as Kamyar explains the hands-off nature of management - "You're literally just getting rent every month" while tenants handle most maintenance responsibilities. This stark contrast to the constant demands of residential properties makes commercial real estate particularly attractive for investors seeking passive income streams.Before taking the commercial plunge, prospective investors should perform crucial preparation steps. Reviewing credit reports, analyzing tax returns, and understanding different qualifying ratios for owner-occupied versus investment properties form the foundation of successful commercial investing. The conversation explores various financing options, from 25-year fixed SBA loans to conventional structures amortized over decades.Tax strategies emerge as a compelling reason to consider commercial investments. Cost segregation allows accelerated depreciation, while opportunity zones offer potential elimination of capital gains taxes after ten years of ownership. "I have clients that buy one or two buildings a year just to take advantage of cost segregation," Kamyar reveals, demonstrating how savvy investors leverage these advantages to rapidly expand their portfolios.The discussion extends beyond immediate benefits to long-term legacy planning. Establishing trusts that ensure properties remain family assets across generations creates true multigenerational wealth rather than temporary prosperity. First-time investors receive practical guidance: focus locally, determine your investment goals, and leverage free resources like LoopNet to identify properties.Ready to transform your financial future through commercial real estate? Connect with experts who can guide your journey and subscribe to continue exploring wealth-building strategies that stand the test of time. Thanks again for listening. Don't forget to subscribe, share, and leave a FIVE-STAR review.Head to Dwanderful right now to claim your free real estate investing kit. And follow:http://www.Dwanderful.comhttp://www.facebook.com/Dwanderfulhttp://www.Instagram.com/Dwanderful http://www.youtube.com/DwanderfulRealEstateInvestingChannelMake it a Dwanderful Day!
Youtuber, statistician, and cartographer Any Austin joins the panel to determine whether open world games should have minimaps, how to become a Sega Man, and the relationship between the Chicago Cubs and the Chicago Bears. Hosted by Alex Jaffe, with Frank Cifaldi, Ash Parrish, Brandon Sheffield, and Any Austin. Edited by Esper Quinn, original music by Kurt Feldman. SHOW NOTES: Atari Jaguar Kasumi Ninja Cosmic Carnage Sega 32X Kanye West Pope Leo XIV The Game of Life Def Jam: Rapstar David Cage Indigo Prophecy Star Wars Satoru Iwata Trainspotting (1996) r/Trains Ikaruga 1: Brian David Gilbert asks, which video game do you wish you could scrub from the memories of everyone in the world except for you? (08:08) Yesterday (2019) Grand Theft Auto series Hot Tub Time Machine (2010) Google The Beatles Seaman Dizzy series Fortnite Songs of Innocence Tim Sweeney Epic Games v. Apple The Walt Disney Company Boba Fett Firefall Mark Kern World of Warcraft 2: What's the platonic ideal in open world games for you? (14:25) The Witcher 3: Wild Hunt Clair Obscur: Expedition 33 Starfield Assassins Creed: Shadows Ryū ga Gotoku / Like a Dragon / Yakuza universe Shenmue series Shogi 3: What's something you've seen in a video game that you've appreciated the developers putting much more work into than was even a little bit necessary? (20:07) Final Fantasy XV Final Fantasy XIII Gargoyle's Quest Demon's Crest Super Ghouls 'N Ghosts Half-Life series Forspoken NiGHTS into Dreams… Chao Garden Sonic Adventure series Doom: the Dark Ages Metroid Prime Starfield Mass Effect series Pokemon series 4: If you were isekai'd into a generic fantasy setting, what would your job be? (27:15) Isekai Dragon Quest series That Time I Got Reincarnated as a Slime My Next Life as a Villainess: All Routes Lead to Doom! Frieren 5: Psinux asks, how does a Sega kid become a Sega man? (33:23) Sega Sonic & Knuckles Sonic the Hedgehog: Triple Trouble The Conduit High Voltage Software Eric Nofsinger Mortal Kombat Game Boy Game Gear Genesis Nomad Sega Pico Sega Saturn 6: What's the best mountain in a video game? (37:37) No Man's Sky King of All Cosmos Throat of the World Skyrim Mount Gulg Dragonroost Island Mount Fuji Mount Everest Microsoft Flight Simulator series D2 Blue Prince Death Mountain The Legend of Zelda: Ocarina of Time Mt. Nibel Final Fantasy VII Mount Kilimanjaro Space Mountain Denali Mount Tamalpais Celeste Mount Celeste Mount Rushmore Fatal Fury series Sam & Max: Hit the Road Giant Bomb Wiki Mount Rushmore Games 7: What is the BBC's Planet Earth of video games? (43:30) Planet Earth The Making of Karateka Karateka Jordan Mechner Balatro Endless Ocean Journey Flower Everything Endless Ocean: Blue World Wisdom Tree Super Mario Bros. 2 Noah's Ark ActRaiser Yuzo Koshiro Prince of Egypt (1998) The Emperor's New Groove (2000) Moses: Prince of Egypt Zelda CD-i Games LIGHTNING ROUND: The Price is Sprite (49:20) Credit Report (01:01:20) Recommendations and Outro (01:02:10): Brandon: If you're looking to make friends, try joining a forum (forums.insertcredit.com or otherwise) Frank: Spiritual Warfare Ash: The Righteous Gemstones Austin: Shout out to air traffic controllers, Turks and Caicos Islands, forums, Any Austin on youtube This week's Insert Credit Show is brought to you by patrons like you. Thank you. Subscribe: RSS, YouTube, Apple Podcasts, Spotify, and more!
Youtuber, statistician, and cartographer Any Austin joins the panel to determine whether open world games should have minimaps, how to become a Sega Man, and the relationship between the Chicago Cubs and the Chicago Bears. Hosted by Alex Jaffe, with Frank Cifaldi, Ash Parrish, Brandon Sheffield, and Any Austin. Edited by Esper Quinn, original music by Kurt Feldman. SHOW NOTES: Atari Jaguar Kasumi Ninja Cosmic Carnage Sega 32X Kanye West Pope Leo XIV The Game of Life Def Jam: Rapstar David Cage Indigo Prophecy Star Wars Satoru Iwata Trainspotting (1996) r/Trains Ikaruga 1: Brian David Gilbert asks, which video game do you wish you could scrub from the memories of everyone in the world except for you? (08:08) Yesterday (2019) Grand Theft Auto series Hot Tub Time Machine (2010) Google The Beatles Seaman Dizzy series Fortnite Songs of Innocence Tim Sweeney Epic Games v. Apple The Walt Disney Company Boba Fett Firefall Mark Kern World of Warcraft 2: What's the platonic ideal in open world games for you? (14:25) The Witcher 3: Wild Hunt Clair Obscur: Expedition 33 Starfield Assassins Creed: Shadows Ryū ga Gotoku / Like a Dragon / Yakuza universe Shenmue series Shogi 3: What's something you've seen in a video game that you've appreciated the developers putting much more work into than was even a little bit necessary? (20:07) Final Fantasy XV Final Fantasy XIII Gargoyle's Quest Demon's Crest Super Ghouls 'N Ghosts Half-Life series Forspoken NiGHTS into Dreams… Chao Garden Sonic Adventure series Doom: the Dark Ages Metroid Prime Starfield Mass Effect series Pokemon series 4: If you were isekai'd into a generic fantasy setting, what would your job be? (27:15) Isekai Dragon Quest series That Time I Got Reincarnated as a Slime My Next Life as a Villainess: All Routes Lead to Doom! Frieren 5: Psinux asks, how does a Sega kid become a Sega man? (33:23) Sega Sonic & Knuckles Sonic the Hedgehog: Triple Trouble The Conduit High Voltage Software Eric Nofsinger Mortal Kombat Game Boy Game Gear Genesis Nomad Sega Pico Sega Saturn 6: What's the best mountain in a video game? (37:37) No Man's Sky King of All Cosmos Throat of the World Skyrim Mount Gulg Dragonroost Island Mount Fuji Mount Everest Microsoft Flight Simulator series D2 Blue Prince Death Mountain The Legend of Zelda: Ocarina of Time Mt. Nibel Final Fantasy VII Mount Kilimanjaro Space Mountain Denali Mount Tamalpais Celeste Mount Celeste Mount Rushmore Fatal Fury series Sam & Max: Hit the Road Giant Bomb Wiki Mount Rushmore Games 7: What is the BBC's Planet Earth of video games? (43:30) Planet Earth The Making of Karateka Karateka Jordan Mechner Balatro Endless Ocean Journey Flower Everything Endless Ocean: Blue World Wisdom Tree Super Mario Bros. 2 Noah's Ark ActRaiser Yuzo Koshiro Prince of Egypt (1998) The Emperor's New Groove (2000) Moses: Prince of Egypt Zelda CD-i Games LIGHTNING ROUND: The Price is Sprite (49:20) Credit Report (01:01:20) Recommendations and Outro (01:02:10): Brandon: If you're looking to make friends, try joining a forum (forums.insertcredit.com or otherwise) Frank: Spiritual Warfare Ash: The Righteous Gemstones Austin: Shout out to air traffic controllers, Turks and Caicos Islands, forums, Any Austin on youtube This week's Insert Credit Show is brought to you by patrons like you. Thank you. Subscribe: RSS, YouTube, Apple Podcasts, Spotify, and more!
Brian David Gilbert of Dropout.tv, Unraveled, and his own excellent youtube channel joins our panel to cover Switch 2 preorders, Donkey Kong dating your friends, and the legendary Nier butthole. Hosted by Alex Jaffe, with Frank Cifaldi, Ash Parrish, Brandon Sheffield, and Brian David Gilbert. Edited by Esper Quinn, original music by Kurt Feldman. Watch episodes with full video on YouTube Discuss this episode in the Insert Credit Forums SHOW NOTES: Mystery Men (1999) Flaming Carrot Comics The Legend of Zelda series Video game Sega PlayStation Metal Gear Solid 2: Sons of Liberty Nintendo Nintendo 64 1: We're recording this the day that preorders have gone live for the Switch 2. What's the worst case you've ever seen of Preorder Madness? (08:05) I got my Switch 2 preorder the old-fashioned way: lining up at GameStop Crysis Pepe the Frog Alan Wake II GameStop 2: What's the right amount of bullshit to put in a video game? (15:13) Demonschool Ryū ga Gotoku / Like a Dragon / Yakuza universe Everything Xenoblade Chronicles series Batman Metal Gear Solid 3: Snake Eater 3: How would video games be different today if when you died in the game, you died in real life? (20:45) Elon Musk Gamergate (harassment campaign) The Most Dangerous Game Alex Honnald Elden Ring Dark Souls series Getting Over It with Bennett Foddy Bebe's Kids (1992) 4: How would you describe the character of Donkey Kong? (23:51) Donkey Kong Pauline Mario Romeo and Juliet Diddy Kong Sean Combs Funky Kong Donkey Kong: Tropical Freeze Super Smash Bros. Ultimate Rare Ken Penders Ms. Pac-Man Mario Kart 8 Deluxe Super Mario Odyssey Jake Lloyd Mario Party series Insert Credit Quick Break: DC Action News (32:47) 5: Magnanimous asks, is there any old video game slang you'd bring back? (33:36) Atari Space Invaders Doom Roblox Immersive sim JRPG Yacht rock 6: Which video game vehicle would receive the best JD Power & Associates car rating? (39:00) JD Power & Associates Final Fantasy XV The Regalia Mario Kart series Lakitu Ridge Racer series Spice Girls The Big Bang Theory Halo series Fortnite 7: What is the Tom Hooper's Cats of video games? (43:54) Cats (2019) Editing the Buttholes Out of ‘Cats' Was a Total Nightmare for VFX Crew Gemini Man (2019) Jumanji: The Next Level (2019) Idris Elba Peter Molyneux Borderlands (2024) Uwe Boll Bloodrayne (2005) House of the Dead (2003) Donut County NieR series Stellar Blade LIGHTNING ROUND: Arcade of Our Own (51:20) Credit Report (01:06:59) Recommendations and Outro (01:07:21): Frank: Watch Tempo on YouTube for a second and decide what you think about it Brandon: Minako Yoshida's Dark Crystal, Catching the Big Fish by David Lynch Ash: Go outside and take a walk Brian: VVVVVV, brian david gilbert on YouTube, Um, Actually This week's Insert Credit Show is brought to you by DC Action News and patrons like you. Thank you. Subscribe: RSS, YouTube, Apple Podcasts, Spotify, and more!
Brian David Gilbert of Dropout.tv, Unraveled, and his own excellent youtube channel joins our panel to cover Switch 2 preorders, Donkey Kong dating your friends, and the legendary Nier butthole. Hosted by Alex Jaffe, with Frank Cifaldi, Ash Parrish, Brandon Sheffield, and Brian David Gilbert. Edited by Esper Quinn, original music by Kurt Feldman. Watch episodes with full video on YouTube Discuss this episode in the Insert Credit Forums SHOW NOTES: Mystery Men (1999) Flaming Carrot Comics The Legend of Zelda series Video game Sega PlayStation Metal Gear Solid 2: Sons of Liberty Nintendo Nintendo 64 1: We're recording this the day that preorders have gone live for the Switch 2. What's the worst case you've ever seen of Preorder Madness? (08:05) I got my Switch 2 preorder the old-fashioned way: lining up at GameStop Crysis Pepe the Frog Alan Wake II GameStop 2: What's the right amount of bullshit to put in a video game? (15:13) Demonschool Ryū ga Gotoku / Like a Dragon / Yakuza universe Everything Xenoblade Chronicles series Batman Metal Gear Solid 3: Snake Eater 3: How would video games be different today if when you died in the game, you died in real life? (20:45) Elon Musk Gamergate (harassment campaign) The Most Dangerous Game Alex Honnald Elden Ring Dark Souls series Getting Over It with Bennett Foddy Bebe's Kids (1992) 4: How would you describe the character of Donkey Kong? (23:51) Donkey Kong Pauline Mario Romeo and Juliet Diddy Kong Sean Combs Funky Kong Donkey Kong: Tropical Freeze Super Smash Bros. Ultimate Rare Ken Penders Ms. Pac-Man Mario Kart 8 Deluxe Super Mario Odyssey Jake Lloyd Mario Party series Insert Credit Quick Break: DC Action News (32:47) 5: Magnanimous asks, is there any old video game slang you'd bring back? (33:36) Atari Space Invaders Doom Roblox Immersive sim JRPG Yacht rock 6: Which video game vehicle would receive the best JD Power & Associates car rating? (39:00) JD Power & Associates Final Fantasy XV The Regalia Mario Kart series Lakitu Ridge Racer series Spice Girls The Big Bang Theory Halo series Fortnite 7: What is the Tom Hooper's Cats of video games? (43:54) Cats (2019) Editing the Buttholes Out of ‘Cats' Was a Total Nightmare for VFX Crew Gemini Man (2019) Jumanji: The Next Level (2019) Idris Elba Peter Molyneux Borderlands (2024) Uwe Boll Bloodrayne (2005) House of the Dead (2003) Donut County NieR series Stellar Blade LIGHTNING ROUND: Arcade of Our Own (51:20) Credit Report (01:06:59) Recommendations and Outro (01:07:21): Frank: Watch Tempo on YouTube for a second and decide what you think about it Brandon: Minako Yoshida's Dark Crystal, Catching the Big Fish by David Lynch Ash: Go outside and take a walk Brian: VVVVVV, brian david gilbert on YouTube, Um, Actually This week's Insert Credit Show is brought to you by DC Action News and patrons like you. Thank you. Subscribe: RSS, YouTube, Apple Podcasts, Spotify, and more!
Fatgie Adams of TransUnion Africa emphasises the need to check one's financial standing regularly, especially to identify possible fraud or unknown outstanding payments.
Send us a textCelebrating a milestone of one million podcast downloads, this episode dives deep into the world of financial literacy and business funding with Herman Dolce, founder of Bella Sloan Enterprises and creator of the Execute Podcast.As a first-generation Haitian-American entrepreneur, Herman brings a refreshing perspective to financial education, breaking down complex concepts into understandable components. His comparison of credit reports to "adult report cards" perfectly captures his teaching philosophy - making financial literacy accessible to everyone regardless of background.What makes this conversation particularly valuable is Herman's insider knowledge of business funding strategies that allow entrepreneurs and real estate investors to access capital without impacting their personal credit. He reveals how his clients secure up to $50,000 in 0% interest business credit through strategic banking relationships, providing the leverage needed to launch businesses or fund real estate projects without personal financial risk.The discussion turns especially practical when Herman explains how his company has evolved to serve over 3,000 monthly members through Bella Sloan Academy, offering weekly education, accountability systems, and practical resources for just $50 monthly. His approach combines education with implementation - teaching students not just theory but practical application through careful accountability.Most exciting is Herman's collaboration with construction expert Charles Noonan to help 1,000 people acquire property through land banks, secure funding, complete construction, and implement profitable exit strategies. This comprehensive approach addresses the full spectrum of real estate development, providing a roadmap for beginners to enter the market with guided support.Ready to transform your approach to credit, funding, and financial literacy? Join Herman's community at BellasLoanAcademy.com or connect with him on Instagram @Haitian_CEO. And remember his powerful parting wisdom: execution trumps knowledge every time. Start putting what you learn into action today! Thanks again for listening. Don't forget to subscribe, share, and leave a FIVE-STAR review.Head to Dwanderful right now to claim your free real estate investing kit. And follow:http://www.Dwanderful.comhttp://www.facebook.com/Dwanderfulhttp://www.Instagram.com/Dwanderful http://www.youtube.com/DwanderfulRealEstateInvestingChannelMake it a Dwanderful Day!
Start your very own Credit Repair business - Learn how by joining our FREE 5-day challenge: http://startrepairingcredit.com/Have you ever wondered why your credit score suddenly drops even when you've done nothing wrong? Well, there is one sneaky thing that always causes this: hard inquiries!An inquiry is when a lender requests your credit history from one of the credit bureaus. It could be for a mortgage, a car loan, a credit card, or even when applying for a job or an apartment. Inquiries are divided into soft and hard, depending on their impact and purpose. Anytime a creditor checks your credit report as part of a decision-making process, it's usually a hard inquiry. Hard inquiries can drop your credit score by as much as 10% and stay on your credit report for two years!But here's the good news. Today, I'm going to show you a live demo of the fastest, most efficient way to erase these nasty little inquiries from your credit report using the software trusted by thousands of successful credit repair businesses. Plus, I'm going to reveal a $1,000 mistake you're probably making right now without even knowing it, so you better stick around!Key Takeaways:00:00 Intro 01:58 What Is an Inquiry? 04:32 Step-by-Step Guide to Removing Hard Inquiries 13:44 Get Paid for Unauthorized Inquiries 16:05 Special Hack to Speed Up the Process17:15 My Final Point17:44 OutroAdditional Resources:Get a free trial to Credit Repair CloudGet my free credit repair training Credit Report 101: A Beginner's Guide to Reading & Disputing!Make sure to subscribe so you stay up to date with our latest episodes.
You think you know your credit… until you find out your file says you've been living at your ex's place and working a job you had for three weeks in 2009.
Frank Cifaldi, Ash Parrish, and Brandon Sheffield answer Alex Jaffe's questions on A Minecraft Movie, canceling people in gaming, and most importantly, the SCUMPI II. Hosted by Alex Jaffe, with Frank Cifaldi, Ash Parrish, and Brandon Sheffield. Edited by Esper Quinn, original music by Kurt Feldman. Watch episodes with full video on YouTube Discuss this episode in the Insert Credit Forums SHOW NOTES: Downfall (2004) 1: Mike Drucker asks, what's an exactly correctly rated game? (01:49) Deadly Premonition Metacritic Blue Prince Mother Brain The Legend of Zelda: Breath of the Wild Mario Kart World 2: Ash, what was it like covering a console launch? (06:45) Everything we know so far about the Nintendo Switch 2 Bomberman: Act:Zero Metroid Prime 4: Beyond Arms Wii Sports Ethan Gach Stephen Totilo 3: What do you think A Minecraft Movie is? (13:30) A Minecraft Movie (2025) Minecraft Tenacious D Jack Black Nobunaga's Ambition Bowser Claptrap Steve Borderlands (2024) The Super Mario Bros. Movie (2023) The Rocky Horror Picture Show (1975) Minions (2015) Paw Patrol Anastasia (1997) 4: Who would you go back in time and cancel? (19:19) The Apprentice Mark Burnett Joss Whedon Jack Tramiel Atari Jaguar Sega Genesis Mark Kern Palmer Luckey Insert Credit Quick Break: Undercover Shot, available as NES cartridge and digital download (24:17) 5: Blabbo asks, what game developer or studio would you free from their current IP? (25:45) Ghost Trick: Phantom Detective Shu Takumi Ace Attorney series Super Smash Brothers series Masahiro Sakurai Kirby Harvey Smith Deus Ex series Tōru Iwatani Pac-Man Otamatone Hirokazu Yasuhara Sonic the Hedgehog series Final Fantasy XII Yasumi Matsuno Crimson Shroud David Cage Star Wars Ken Levine 6: What's a question you've always had about video games but haven't been able to get a good answer for? (30:56) Jesus Christ Princess Peach Sailor Moon Wonder Woman Lynda Carter Oddjob Goldeneye 007 SCRUMPI II WonderSwan Gunpei Yokoi Game Boy Super Mario Bros. 3 Monty Python Super Mario Bros. 2 PC Engine Super Mario 3D World 7: What is the drinking eight glasses of water a day of video games? (37:15) Ring Fit Adventure Pokemon GO Pokéwalker Brain Age: Train Your Brain in Minutes a Day! Nintendo DS Beyoncé Dr. Mario Nintendo Entertainment System Kelly Rowland Rhythm Heaven Rhythm Heaven Groove Golden Sun commercial Picross series LIGHTNING ROUND: Game Name Chaining (42:05) Credit Report (44:33) Recommendations and Outro (44:50): Frank: PEPPERED: an existential platformer Ash: let's not do this Lightning Round again, The Blue Prince, Promise Mascot Agency, Monaco 2, Talos Principle Remake, Crashlands 2, Hollywood Animal, Pilo and the Holobook, Girls Made Pudding, Signal Creek, Willow Guard, Harpagun, Kaya's Prophecy, Time Gal & Ninja Hayate HD, SnowRunner, Dave the Diver DLC Brandon: let's do this Lightning Round again, check out the Galaxies Showcase, vote for Barbara Lee, do not vote for Lauren Taylor, Yuen Hop Co, Mobile Assistance Community Responders of Oakland Jaffe: DC Action News This week's Insert Credit Show is brought to you by Undercover Shot, available as NES cartridge and digital download and patrons like you. Thank you. Subscribe: RSS, YouTube, Apple Podcasts, Spotify, and more!
Frank Cifaldi, Ash Parrish, and Brandon Sheffield answer Alex Jaffe's questions on A Minecraft Movie, canceling people in gaming, and most importantly, the SCUMPI II. Hosted by Alex Jaffe, with Frank Cifaldi, Ash Parrish, and Brandon Sheffield. Edited by Esper Quinn, original music by Kurt Feldman. Watch episodes with full video on YouTube Discuss this episode in the Insert Credit Forums SHOW NOTES: Downfall (2004) 1: Mike Drucker asks, what's an exactly correctly rated game? (01:49) Deadly Premonition Metacritic Blue Prince Mother Brain The Legend of Zelda: Breath of the Wild Mario Kart World 2: Ash, what was it like covering a console launch? (06:45) Everything we know so far about the Nintendo Switch 2 Bomberman: Act:Zero Metroid Prime 4: Beyond Arms Wii Sports Ethan Gach Stephen Totilo 3: What do you think A Minecraft Movie is? (13:30) A Minecraft Movie (2025) Minecraft Tenacious D Jack Black Nobunaga's Ambition Bowser Claptrap Steve Borderlands (2024) The Super Mario Bros. Movie (2023) The Rocky Horror Picture Show (1975) Minions (2015) Paw Patrol Anastasia (1997) 4: Who would you go back in time and cancel? (19:19) The Apprentice Mark Burnett Joss Whedon Jack Tramiel Atari Jaguar Sega Genesis Mark Kern Palmer Luckey Insert Credit Quick Break: Undercover Shot, available as NES cartridge and digital download (24:17) 5: Blabbo asks, what game developer or studio would you free from their current IP? (25:45) Ghost Trick: Phantom Detective Shu Takumi Ace Attorney series Super Smash Brothers series Masahiro Sakurai Kirby Harvey Smith Deus Ex series Tōru Iwatani Pac-Man Otamatone Hirokazu Yasuhara Sonic the Hedgehog series Final Fantasy XII Yasumi Matsuno Crimson Shroud David Cage Star Wars Ken Levine 6: What's a question you've always had about video games but haven't been able to get a good answer for? (30:56) Jesus Christ Princess Peach Sailor Moon Wonder Woman Lynda Carter Oddjob Goldeneye 007 SCRUMPI II WonderSwan Gunpei Yokoi Game Boy Super Mario Bros. 3 Monty Python Super Mario Bros. 2 PC Engine Super Mario 3D World 7: What is the drinking eight glasses of water a day of video games? (37:15) Ring Fit Adventure Pokemon GO Pokéwalker Brain Age: Train Your Brain in Minutes a Day! Nintendo DS Beyoncé Dr. Mario Nintendo Entertainment System Kelly Rowland Rhythm Heaven Rhythm Heaven Groove Golden Sun commercial Picross series LIGHTNING ROUND: Game Name Chaining (42:05) Credit Report (44:33) Recommendations and Outro (44:50): Frank: PEPPERED: an existential platformer Ash: let's not do this Lightning Round again, The Blue Prince, Promise Mascot Agency, Monaco 2, Talos Principle Remake, Crashlands 2, Hollywood Animal, Pilo and the Holobook, Girls Made Pudding, Signal Creek, Willow Guard, Harpagun, Kaya's Prophecy, Time Gal & Ninja Hayate HD, SnowRunner, Dave the Diver DLC Brandon: let's do this Lightning Round again, check out the Galaxies Showcase, vote for Barbara Lee, do not vote for Lauren Taylor, Yuen Hop Co, Mobile Assistance Community Responders of Oakland Jaffe: DC Action News This week's Insert Credit Show is brought to you by Undercover Shot, available as NES cartridge and digital download and patrons like you. Thank you. Subscribe: RSS, YouTube, Apple Podcasts, Spotify, and more!
(The Center Square) – The Washington State Legislature passed a bill on Wednesday that could offer significant relief to people drowning in medical debt, but critics warn it may drive up costs for everyone. Assuming Gov. Bob Ferguson signs Senate Bill 5480, the law will prohibit healthcare providers and collection agencies from reporting medical debt to credit firms. The vote opens the door for many individuals to secure housing, but not without raising concerns about unintended consequences. Support this podcast: https://secure.anedot.com/franklin-news-foundation/ce052532-b1e4-41c4-945c-d7ce2f52c38a?source_code=xxxxxx Read more: https://www.thecentersquare.com/washington/article_3cb2146d-bf2d-4b39-acda-ce6bdf0a2d53.html
#221: The ultimate guide to credit reports and scores—how they're calculated, what affects them, and proven ways to improve them. Specially, I'll cover how opening lots of credit cards impacts your credit. You'll also learn how to check your credit reports and scores for free, dispute errors, understand lender scoring models, protect your financial health, and more. Link to Full Show Notes: https://chrishutchins.com/credit-reports-credit-scores Partner Deals Superhuman: Free month of the fastest and best email with code ALLTHEHACKS Upwork: Free job posting to find, hire, and pay top freelance talent Fabric: Affordable term life insurance for you and your family MasterClass: Learn from the world's best with 15% off Copilot: Free 2 months access to my favorite personal finance app with code HACKS2 DeleteMe: 20% off removing your personal info from the web For all the deals, discounts and promo codes from our partners, go to: chrishutchins.com/deals Resources Mentioned Credit Bureaus Equifax Experian TransUnion Free Credit Report: AnnualCreditReport.com Credit Monitoring: Credit Karma | Experian Credit Reporting Agencies Innovis Chex Clarity Services National Consumer Telecom & Utilities Exchange Early Warning Consumer Report LexisNexis Free FICO Scores: myFICO | Experian X Post on Couple's Credit Card Journey International Credit Data: Nova Credit Business Credit Scores Equifax Business Experian Dun & Bradstreet LexisNexis Business Credit Data: Small Business Financial Exchange Article: Understanding Business Credit Scores ATH Podcast Ep #78: Action List: Everything You Can Do To Protect Your Identity, Accounts, Credit and Family Leave a review: Apple Podcasts | Spotify Email for questions, hacks, deals, and feedback: podcast@allthehacks.com Full Show Notes (00:00) Introduction (02:03) Quick Background of the Credit Report Industry (04:54) What's on Your Credit Report (06:45) Soft vs. Hard Inquiries (10:04) How to Request Your Credit Report for Free (10:59) Filing for Disputes (12:37) Freezing Your Credit, Fraud Alerts, and Credit Monitoring (18:46) Credit Reporting Agencies (24:06) How to Remove Your Personal Information Online (26:24) Quick Overview of Credit Scores (29:36) How Credit Scores Are Calculated (35:33) FICO Score vs. Vantage Score (38:12) Upcoming (Big) Changes to Credit Scores (40:27) Where to Find Your Credit Scores (42:00) Analyzing Chris' Credit Scores (46:59) Two Main Factors That Impacted Chris' Credit Score (48:58) How the Points & Miles Game Impacts Credit Scores (53:12) The Impact of Closing a Credit Card (56:36) Ways to Improve Your Credit Score (59:21) Adding an Authorized User to Your Credit Card (1:01:59) How to Leverage Your International Credit Score (1:02:53) Quick Overview of Business Credit Scores Connect with Chris Newsletter | Membership | X | Instagram | LinkedIn Editor's Note: The content on this page is accurate as of the posting date; however, some of our partner offers may have expired. Opinions expressed here are the author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post. Learn more about your ad choices. Visit megaphone.fm/adchoices
One of the biggest money stressors is confronting the dreaded credit report—especially when it involves sharing it with a spouse. However, understanding where you stand is the first crucial step toward improvement. Significant changes to credit score calculations have recently been introduced, creating new opportunities to potentially improve your score. For many couples, credit scores play a central role in achieving financial goals, whether it's buying a home, securing a new job, or simply building a stronger financial future together. These upcoming updates are a true game-changer, creating new opportunities for couples to enhance their financial position and work toward shared goals. Check out this week's episode to learn more about these changes and how you can make the most of them. Our website: www.forbetterandworth.com Get Ericka's book, Naked and Unashamed: 10 Money Conversations Every Couple Must Have Check out our local TV spotlight Connect with us: Instagram: @forbetterandworth YouTube: @forbetterandworth Ericka: @erickayoungofficial Chris: @1cbyoung
What do Bigfoot and credit reports have in common? They're each the subject of many myths.We don't know much about 8-foot furry creatures, but we can dispel some of the folklore about credit and credit reports. Neile Simon is here to help us do that today.Neile Simon is a Certified Credit Counselor with Christian Credit Counselors (CCC), an underwriter of Faith & Finance.If you've ever wondered whether closing a credit card boosts your score or if credit counseling hurts your credit, you're not alone. Let's dive into these common misconceptions and separate fact from fiction.Myth #1: Paying Off Debt Instantly Improves Your Credit ScoreIt's a common belief that paying down debt will immediately result in a perfect credit score. However, credit improvement takes time because credit scores are based on your payment history.Reality: Your credit report gives lenders a snapshot of how responsibly you've managed debt over time. Consistently paying bills on time is the best way to build and maintain a strong score—but it won't happen overnight.Tip: Be cautious of anyone claiming they can “fix” your credit instantly. No legitimate company can erase negative (but accurate) information from your credit history overnight.Myth #2: Credit Counseling Destroys Your Credit ScoreMany people worry that seeking credit counseling will harm their credit score.Reality: Enrolling in a credit counseling program is a neutral mark on your credit report and does not directly affect your score. Closing accounts impacts your score, so working with an accredited nonprofit organization is essential to develop a plan that keeps your credit intact. That's why Christian Credit Counselors is the only organization we recommend for credit counseling and debt management. Tip: Avoid paying for expensive credit monitoring or identity protection services. You can monitor your credit for free through reputable sources.Myth #3: Canceling Credit Cards Boosts Your ScoreMany people believe that closing old or unused credit cards is a responsible move, but it can actually hurt their credit scores.Reality: Lenders want to see two or three active credit lines. Closing credit cards reduces your available credit, which can negatively impact your score by increasing your credit utilization ratio (the percentage of available credit you're using).Tip: Keep zero-balance accounts open unless they charge an annual fee. If you must close an account, do so gradually—perhaps one every six months—to minimize the temporary impact on your score.Myth #4: Too Many Inquiries Hurt Your ScoreWhile excessive hard inquiries (when lenders check your credit for a loan or credit card application) can lower your score, not all inquiries count against you.Reality: Credit bureaus recognize rate shopping—for example, when you're comparing mortgage or auto loan rates. If you make multiple inquiries within a 45-day window, they count as one single inquiry, not multiple.Tip: Always shop around for the best loan terms without worrying about multiple hits to your credit score.Myth #5: Checking Your Own Credit Report Hurts Your ScoreMany consumers avoid checking their credit reports because they fear it will negatively impact their scores.Reality: Checking your own credit is a "soft inquiry" and does not affect your score. Only "hard inquiries" (such as applying for a loan or credit card) can impact your score.Tip: Review your credit report every 6–12 months to catch errors or fraud early. Get a free report from AnnualCreditReport.com, the only official site for free credit reports.Myth #6: Credit Scores Are Locked In for Six MonthsSome believe their credit score is only updated periodically, leading to confusion when making financial decisions.Reality: Your credit score is dynamic, meaning it updates as new information is reported—not every six months. Changes in balances, payments, and account activity can impact your score as soon as they are reported by creditors.Tip: If you're working on improving your score, be patient and consistent—your efforts will show over time.Myth #7: If I Pay My Bills on Time, I Don't Need to Check My Credit ReportIt seems logical that paying your bills on time means your credit report is in good shape. But that's not always the case.Reality: 80% of credit reports contain errors. Mistakes like incorrect account information or fraudulent activity can damage your score even if you've never missed a payment.Tip: Check your credit report at least once a year to identify errors and dispute inaccuracies before they hurt your financial standing.Myth #8: All Credit Reports Are the SameMany people assume that if they check one credit report, they've seen them all.Reality: There are three major credit bureaus—Equifax, Experian, and TransUnion—and they all calculate scores differently. Some lenders may pull from only one bureau, while others check all three.Tip: Review reports from all three bureaus to get a complete picture of your credit history and spot discrepancies.Myth #9: A Divorce Decree Automatically Removes You from Joint AccountsDivorce proceedings often divide assets and debts, but that does not automatically separate joint accounts.Reality: If you and your former spouse share a loan or credit account, both of you remain responsible for the debt—even if a court assigns the balance to one person.Tip: To protect yourself, close joint accounts or refinance loans to remove your ex-spouse's name. Simply relying on a court order won't protect your credit.Myth #10: Bad Marks Automatically Disappear After Seven YearsMany assume that negative information automatically falls off their report after seven years, but it's more complicated than that.Reality: Some items, like Chapter 7 bankruptcies, remain on your report for 10 years, while Chapter 13 bankruptcies stay for seven years. Paid-off accounts in good standing can remain for 10 years, which benefits your credit history.Tip: If you have negative marks on your report, focus on building positive credit habits to minimize their impact over time.Myth #11: I Can Pay Someone to “Fix” My CreditCredit repair companies often promise quick fixes, but many of their claims are misleading.Reality: No company can legally remove accurate negative information from your credit report. If a debt is legitimately yours, it will stay on your report until its expiration date.Tip: You can dispute errors yourself for free. Christian Credit Counselors provides free resources and sample dispute letters to help you correct inaccuracies.The Truth About Credit ReportsUnderstanding your credit report and score is essential for financial success. By debunking these myths, you can take control of your credit and make informed financial decisions.Check your credit report regularly for errorsKeep credit card accounts open to maintain a strong scoreShop around for loans without worrying about multiple inquiriesWork with trusted advisors, not credit repair scamsIf you're struggling with credit card debt, Christian Credit Counselors can help. They've helped thousands of people get out of debt 80% faster while honoring their financial obligations.Visit ChristianCreditCounselors.org or call 800-557-1985 to learn more.On Today's Program, Rob Answers Listener Questions:I have a $50,000 home equity line of credit with $40,000 currently owed. I'm in school for one more year and have had to draw $1,000-$2,000 from the line every couple of months to cover expenses. My interest rate is 2.6%. I was wondering if I could use the equity in my home to pay off this debt and get some extra cash to help me through the rest of school.Resources Mentioned:Faithful Steward: FaithFi's New Quarterly MagazineChristian Credit CounselorsAnnualCreditReport.comWisdom Over Wealth: 12 Lessons from Ecclesiastes on Money (Pre-Order)Look At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App 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.
In the past, you may have heard various tips about how best to manage your credit—some of which might be factual, but they could also just be myths. On today's Faith & Finance Live, Rob West will welcome Neile Simon to dispel some of the myths about credit and credit reports. Then Rob will answer your questions on different financial topics. Faith & Finance Live is a listener supported program on Moody Radio. To join our team of supporters, click here.To support the ministry of FaithFi, click here.To learn more about Rob West, click here.To learn more about Faith & Finance Live, click here.See omnystudio.com/listener for privacy information.
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CTA: Visit your nearest PostNet to get a Credit Report today!In this episode of The Expansive Podcast, Erik Kruger and John Sanei dive into two powerful concepts shaping personal growth and self-mastery.First, they explore John's newly released meditation series, Future Memories. They discuss how meditation can help cultivate emotional states that align with desired future outcomes, rather than being trapped by past experiences. The conversation highlights the importance of incremental growth, feeling safe in transformation, and embodying confidence and victory in personal development.Next, they unpack the idea of custodianship—a mindset of care and responsibility rather than mere ownership. From money and relationships to self-judgment, they explore how being a custodian fosters deeper connection and intention in all areas of life. They also discuss the power of softening judgment, expressing appreciation before it's too late, and leading with kindness.Join Erik and John for a thought-provoking discussion filled with personal reflections, actionable insights, and a fresh perspective on shaping your future with intention. #theexpansive #podcast #apva #podcastoftheyear #businesspodcast #mindfullness #podcastsonselfdevelopment #howtobebetter #howtolevelup #thinkbig #growthmindset Shownotes footer: Connect with Us: Subscribe to The Expansive: link.chtbl.com/expansive LinkedIn: Expansive Podcast LinkedIn YouTube: Expansive Podcast Playlist Instagram: @theexpansivepodcast TikTok: @theexpansivepodcast Connect with John Sanei: Instagram: @johnsanei LinkedIn: John Sanei Connect with Erik Kruger: Instagram: @erik_kruge Hello! Please like and subscribe to our channel and leave us a comment! We love hearing from our listeners and we thank you for being apart of our community! Socials:Instagram: @theexpansivepodcastX: @theexpansivepodLinkedin: The Expansive PodcastTik Tok: theexpansivepodcast
Your 60-second money minute. Today's topic: Credit Reports Now Track Student Loan Payments
Join Our FREE Start Repairing Credit Challenge: http://startrepairingcredit.com/ Imagine going from rock bottom to making a million dollars in just 2 years… Well, that's exactly what today's guest did! I'm super excited to welcome back a new member of our Millionaires Club, Patrice English! Patrice is an absolute powerhouse in the credit repair world. She's built a successful credit repair business currently serving over 2,000 clients and earned over $100,000 in Credit Hero Score affiliate commissions. But Patrice isn't just a Credit Hero. She's also a master of social media marketing and entrepreneurship!In our interview, she shares her top secrets, from building a massive social media following to automating her business, so don't miss out. P.S. You can check out our previous interview here: https://www.youtube.com/watch?v=n0lsvgS9R3I&tKey Takeaways:00:00:00 Intro 00:03:39 The Impact of Scaling a Business Quickly 00:07:32 Letting Go and Trusting Your Team 00:10:28 Offering Business Funding to Credit Repair Clients 00:15:19 Earning a Million Dollars with Credit Repair 00:16:48 The Role of Credit Repair Cloud00:18:20 Advice for Aspiring Credit Heroes00:20:48 Patrice's Winning Lead Gen Strategy 00:23:21 Tips for Building and Leveraging Social Media00:38:10 Automating Your Business00:42:46 Affiliate Marketing and Credit Hero Score00:50:01 The Importance of Credit Monitoring 00:58:11 Minimizing Chargebacks 00:59:27 Biggest Challenge of the Last Year01:02:55 Being in a War Against Yourself 01:06:43 Rapid Fire 01:09:28 Outro Additional Resources:Patrice's website: https://informedconsultant.com/Follow Patrice on Facebook: https://www.facebook.com/informedconsultant/Follow Patrice on TikTok: https://www.tiktok.com/@iampatriceenglishGet a free trial to Credit Repair CloudGet my free credit repair training How Patrice English Made Half a Million Dollars in 1 Year Repairing CreditMake sure to subscribe so you stay up to date with our latest episodes.
Join as Jim Shoemaker, Michael Powell, and Scott Jordan ask and important question; “What Are You Doing with Your Tax Refund?”Daniel Irwin takes us to Scam School with critical information about “Lost or Stolen Identity, Credit Card Skimmers, Storm Chasers, and Credit Reports.” "Helping You Make the Most of Your Money” Jim Shoemaker, CFP, ChFC, is an investment advisor representative offering advisory services through Cetera Investment Advisers, a registered investment adviser. Securities offered through Cetera Advisor Networks, member FINRA/SIPC. Cetera is under separate ownership from any other named entity. Shoemaker Financial is independently owned and operated. 2176 West St, Ste. 100, Germantown, TN 38138
Join Our FREE Start Repairing Credit Challenge!A short sale is one of the hardest things you can go through.You're forced to sell your home for less than you owe on it, it absolutely wrecks your credit, and it makes getting approved for another loan nearly impossible. To make matters worse, a short sale can stay on your credit report for up to 7 years!But you don't have to let a short sale define your future. With the right tips and tricks, it is possible to recover from it. That's why today, I'm sharing 4 simple and proven steps to remove short sales from credit reports so that you can take back control of your life.The time to act is NOW, and it all starts with these 4 simple steps!Tune in.Key Takeaways:00:00 Intro 01:01 What Is a Short Sale? 03:52 Understanding Deficiencies and the Lender's Perspective04:52 Why It's Hard to Remove Short Sales05:12 The Secret to Removing Short Sales Effectively 06:30 Step-by-Step Guide to Removing Short Sales 13:07 What to Do If This Doesn't Work 14:26 My Final Point15:11 OutroAdditional Resources:Get a free trial to Credit Repair CloudGet my free credit repair training Credit Repair & Homeownership: How to Save Thousands of Dollars on MortgagesMake sure to subscribe so you stay up to date with our latest episodes.
Screenwriter Aaron Stewart-Ahn joins a panel guest hosted by Esper to cover the current definition of “good graphics,” Nicholas Cage's sublime beauty, and seeing Attack of the Clones on acid. Watch episodes with full video on YouTube Discuss this episode in the Insert Credit Forums SHOW NOTES: Fenrir Light Cycle Tron (1982) Kingdom Hearts II Tron Honda Motocompo Shadows of the Damned Mandy (2018) Yaiba Kusanagi CT-3X Cyberpunk 2077 Keanu Reeves Arch Motorcycle Alex Winter Bill & Ted's Excellent Adventure (1989) Gran Turismo Polyphony Digital Tourist Trophy: The Real Riding Simulator Road Rash Sega Saturn Sony Playstation 3DO Full Throttle 1: Where are your favorite places to hang out in open world video games? (06:20) Throne and Liberty Fallout 76 The First Descendant World of WarCraft: The Burning Crusade Honor Hold Arator the Redeemer Final Fantasy XIV Online Ryū ga Gotoku / Like a Dragon / Yakuza universe Boyhood (2014) Kamurochō Shenmue Slitterhead 2: When is it most obvious that zero research went into a particular video game scene? (15:15) Starfield Astral Lounge Mass Effect series GoldenEye 007 Far Cry series Motor Toon Grand Prix 3: Design a video game where the main hero is played by Nicolas Cage. (20:54) Nicholas Cage Superman 64 Dead By Daylight Leon Kennedy Leatherface Tekken series Stanislavski's system Mortal Kombat series Avery Brooks Shun Di Virtua Fighter series John Barrymore Charlie Chaplin Buster Keaton Akuma M. Bison 4: Design a video game where the main villain is played by Nicolas Cage. (25:16) Pig (2021) Metal Gear Rising: Revengeance Death Stranding 2 On The Beach Hideo Kojima Dan Brown Weezer Cats (2019) Megalopolis (2024) Kendrick Lamar Shroud of Turin Robert De Niro The Devil's Advocate (1997) Metal Gear Solid 2: Sons of Liberty Legend (1985) Tim Curry Constantine (2005) 5: Spencer asks, what are games biggest strengths as a medium? (30:56) Street Fighter (1994) Watchmen Ultima V: Warriors of Destiny Indika ‘Sonic the Hedgehog 4' Gets 2027 Release Date Call of Duty series Half-Life 2 6: What do “good graphics” mean in 2025? (38:11) Super Scaler Indika Final Fantasy X Final Fantasy XV OutRun Star Wars: Episode II - Attack of the Clones (2002) 7: What is the Decemberists of video games? (44:46) The Decemberists Colin Meloy Shrek 2 (2004) Shoryuken The Matrix (1999) The Matrix Revolutions (2003) Dark Souls series Bloodborne Fleetwood Mac Kate Bush King's Field Devil May Cry series LIGHTNING ROUND: Name Design – Czech New Wave Classics (49:37) Credit Report (57:01) Recommendations and Outro (57:24): Ash: Dynasty Warriors: Origins, Three Kingdoms Brandon: And Give My Love to the Swallows (1972), Kin-dza-dza! (1986), exercise Aaron: Rejection This week's Insert Credit Show is brought to you by patrons like you. Thank you. Subscribe: RSS, YouTube, Apple Podcasts, Spotify, and more!
Screenwriter Aaron Stewart-Ahn joins a panel guest hosted by Esper to cover the current definition of “good graphics,” Nicholas Cage's sublime beauty, and seeing Attack of the Clones on acid. Watch episodes with full video on YouTube Discuss this episode in the Insert Credit Forums SHOW NOTES: Fenrir Light Cycle Tron (1982) Kingdom Hearts II Tron Honda Motocompo Shadows of the Damned Mandy (2018) Yaiba Kusanagi CT-3X Cyberpunk 2077 Keanu Reeves Arch Motorcycle Alex Winter Bill & Ted's Excellent Adventure (1989) Gran Turismo Polyphony Digital Tourist Trophy: The Real Riding Simulator Road Rash Sega Saturn Sony Playstation 3DO Full Throttle 1: Where are your favorite places to hang out in open world video games? (06:20) Throne and Liberty Fallout 76 The First Descendant World of WarCraft: The Burning Crusade Honor Hold Arator the Redeemer Final Fantasy XIV Online Ryū ga Gotoku / Like a Dragon / Yakuza universe Boyhood (2014) Kamurochō Shenmue Slitterhead 2: When is it most obvious that zero research went into a particular video game scene? (15:15) Starfield Astral Lounge Mass Effect series GoldenEye 007 Far Cry series Motor Toon Grand Prix 3: Design a video game where the main hero is played by Nicolas Cage. (20:54) Nicholas Cage Superman 64 Dead By Daylight Leon Kennedy Leatherface Tekken series Stanislavski's system Mortal Kombat series Avery Brooks Shun Di Virtua Fighter series John Barrymore Charlie Chaplin Buster Keaton Akuma M. Bison 4: Design a video game where the main villain is played by Nicolas Cage. (25:16) Pig (2021) Metal Gear Rising: Revengeance Death Stranding 2 On The Beach Hideo Kojima Dan Brown Weezer Cats (2019) Megalopolis (2024) Kendrick Lamar Shroud of Turin Robert De Niro The Devil's Advocate (1997) Metal Gear Solid 2: Sons of Liberty Legend (1985) Tim Curry Constantine (2005) 5: Spencer asks, what are games biggest strengths as a medium? (30:56) Street Fighter (1994) Watchmen Ultima V: Warriors of Destiny Indika ‘Sonic the Hedgehog 4' Gets 2027 Release Date Call of Duty series Half-Life 2 6: What do “good graphics” mean in 2025? (38:11) Super Scaler Indika Final Fantasy X Final Fantasy XV OutRun Star Wars: Episode II - Attack of the Clones (2002) 7: What is the Decemberists of video games? (44:46) The Decemberists Colin Meloy Shrek 2 (2004) Shoryuken The Matrix (1999) The Matrix Revolutions (2003) Dark Souls series Bloodborne Fleetwood Mac Kate Bush King's Field Devil May Cry series LIGHTNING ROUND: Name Design – Czech New Wave Classics (49:37) Credit Report (57:01) Recommendations and Outro (57:24): Ash: Dynasty Warriors: Origins, Three Kingdoms Brandon: And Give My Love to the Swallows (1972), Kin-dza-dza! (1986), exercise Aaron: Rejection This week's Insert Credit Show is brought to you by patrons like you. Thank you. Subscribe: RSS, YouTube, Apple Podcasts, Spotify, and more!
They've also been ordered to follow the law in the future. https://www.lehtoslawcom
Writer, game designer, and friend of the show merritt k joins the panel to discuss GDQ runs, the Radiohead of video games, and skeleton bone boobs. Hosted by Alex Jaffe, with Frank Cifaldi, Ash Parrish, Brandon Sheffield, and merritt k. Edited by Esper Quinn, original music by Kurt Feldman. Watch episodes with full video on YouTube Discuss this episode in the Insert Credit Forums SHOW NOTES: alexjaffe.bsky.social frankcifaldi.bsky.social adashtra.bsky.social brandon.insertcredit.com merrittk.com mastodon.social dril 1: If you had to design and perform a gimmicky GDQ speedrun, what would it be? (05:13) Games Done Quick New Super Mario Bros. Wii While Playing Piano by Wes in 41:20 - Awesome Games Done Quick 2025 Bucephalus Elden Ring Peanut Butter the Dog Gyromite Ken Griffey Jr Presents Major League Baseball Ken Griffey Jr. Presents MLB by Peanut Butter the Dog & JSR_ in 29:48 - Summer Games Done Quick 2024 Elden Ring on Saxophone by Dr. Doot in 29:22 - Awesome Games Done Quick 2025 ALF Sonic & Knuckles Star Control 3 2: What are the popular games within the monsterfucking community? (12:03) Sonic the Hedgehog Sonic the Werehog Wolf Werewolf Knuckles the Echidna Shadow the Hedgehog Sonic the Hedgehog 3 (2024) Baldurs Gate III Undertale Sans Undertale Frank Quitely Thanos Death I Love You Colonel Sanders Lady Dimitrescu Resident Evil: Village 3: What tricks do video games do to convince players that they're much bigger than they actually are? (18:39) Banjo-Kazooie Persona series Demonschool Resident Evil series Final Fantasy VII Ryū ga Gotoku / Like a Dragon / Yakuza universe The Legend of Zelda: Majora's Mask Leisure Suit Larry Goes Looking for Love (In Several Wrong Places) Dwarf Fortress Bashi Bazook: Morphoid Masher 4: The Annual Public Domain Adaptation Game - Popeye (24:57) Popeye, Tintin among works entering U.S. public domain in 2025 Popeye Donkey Kong Popeye Olive Oyl Mickey Mouse Gasoline Alley Steve Urkel Steamboat Willie Sea Power Cat Power Paul Atredies Blondie Dagwood Bumstead Nancy Fritzi Ritz Jaws (1975) Dragon Quest Heroes: Rocket Slime Fleischer Studios Paramount Pictures Superman 5: a small rabite's mom asks, why are there so many deserts in video games? Every time I see you playing one of these things you're in a desert. (31:22) Gulf War Dune II: The Building of a Dynasty 6: What is the Radiohead of video games? (35:26) Radiohead Blue Bottle Coffee Ico Shadow of the Colossus Katamari Damacy Can You Pet the Dog? Tomb Radier Fumito Ueda LIGHTNING ROUND: GameFAQ&As - Draskula (39:31) Credit Report (44:57) Recommendations and Outro (45:30): merritt: Fledgling Manor Frank: Drac's Night Out Brandon: Send recommendations for movies about killin nazis, listen to Malice Mizer if you want to feel like a dracula Ash: Interview with the Vampire, make more games about killing klan members This week's Insert Credit Show is brought to you by patrons like you. Thank you. Subscribe: RSS, YouTube, Apple Podcasts, Spotify, and more!
Writer, game designer, and friend of the show merritt k joins the panel to discuss GDQ runs, the Radiohead of video games, and skeleton bone boobs. Hosted by Alex Jaffe, with Frank Cifaldi, Ash Parrish, Brandon Sheffield, and merritt k. Edited by Esper Quinn, original music by Kurt Feldman. Watch episodes with full video on YouTube Discuss this episode in the Insert Credit Forums SHOW NOTES: alexjaffe.bsky.social frankcifaldi.bsky.social adashtra.bsky.social brandon.insertcredit.com merrittk.com mastodon.social dril 1: If you had to design and perform a gimmicky GDQ speedrun, what would it be? (05:13) Games Done Quick New Super Mario Bros. Wii While Playing Piano by Wes in 41:20 - Awesome Games Done Quick 2025 Bucephalus Elden Ring Peanut Butter the Dog Gyromite Ken Griffey Jr Presents Major League Baseball Ken Griffey Jr. Presents MLB by Peanut Butter the Dog & JSR_ in 29:48 - Summer Games Done Quick 2024 Elden Ring on Saxophone by Dr. Doot in 29:22 - Awesome Games Done Quick 2025 ALF Sonic & Knuckles Star Control 3 2: What are the popular games within the monsterfucking community? (12:03) Sonic the Hedgehog Sonic the Werehog Wolf Werewolf Knuckles the Echidna Shadow the Hedgehog Sonic the Hedgehog 3 (2024) Baldurs Gate III Undertale Sans Undertale Frank Quitely Thanos Death I Love You Colonel Sanders Lady Dimitrescu Resident Evil: Village 3: What tricks do video games do to convince players that they're much bigger than they actually are? (18:39) Banjo-Kazooie Persona series Demonschool Resident Evil series Final Fantasy VII Ryū ga Gotoku / Like a Dragon / Yakuza universe The Legend of Zelda: Majora's Mask Leisure Suit Larry Goes Looking for Love (In Several Wrong Places) Dwarf Fortress Bashi Bazook: Morphoid Masher 4: The Annual Public Domain Adaptation Game - Popeye (24:57) Popeye, Tintin among works entering U.S. public domain in 2025 Popeye Donkey Kong Popeye Olive Oyl Mickey Mouse Gasoline Alley Steve Urkel Steamboat Willie Sea Power Cat Power Paul Atredies Blondie Dagwood Bumstead Nancy Fritzi Ritz Jaws (1975) Dragon Quest Heroes: Rocket Slime Fleischer Studios Paramount Pictures Superman 5: a small rabite's mom asks, why are there so many deserts in video games? Every time I see you playing one of these things you're in a desert. (31:22) Gulf War Dune II: The Building of a Dynasty 6: What is the Radiohead of video games? (35:26) Radiohead Blue Bottle Coffee Ico Shadow of the Colossus Katamari Damacy Can You Pet the Dog? Tomb Radier Fumito Ueda LIGHTNING ROUND: GameFAQ&As - Draskula (39:31) Credit Report (44:57) Recommendations and Outro (45:30): merritt: Fledgling Manor Frank: Drac's Night Out Brandon: Send recommendations for movies about killin nazis, listen to Malice Mizer if you want to feel like a dracula Ash: Interview with the Vampire, make more games about killing klan members This week's Insert Credit Show is brought to you by patrons like you. Thank you. Subscribe: RSS, YouTube, Apple Podcasts, Spotify, and more!
Protect your credit, protect your identity, and keep your money safe online. You can easily freeze your credit with each of the 3 credit bureaus to ensure no one can open accounts in your name. You don't need to pay for credit monitoring service in most cases or pay to know your credit score. It's very simple and easy to quickly unfreeze your credit before applying for a new credit card or mortgage. Also use unique passwords, stored securely and two-factor authentication (preferably on an Authenticator app over receiving a text code) for all your accounts. Active duty alerts on your credit report is NOT as helpful as actually freezing your credit. Links: Annual Credit Report (free report, no cost, no catch) Freeze your credit w/ Experian Freeze your credit w/ TransUnion Freeze your credit w/ Equifax For a limited time, Spencer is offering one-on-one Military Money Mentor sessions! Get your personal military money and investing questions answered in a confidential coaching call. Our new TSP course is live! Check out the Confident TSP Investing course at militarymoneymanual.com/tsp to learn all about the Thrift Savings Plan and strategies for growing your wealth while in the military. Use promo code "podcast24" for $50 off. Plus, for every course sold, we'll donate one course to an E-4 or below- for FREE! If you have a question you would like us to answer on the podcast, please reach out on instagram.com/militarymoneymanual or email podcast@militarymoneymanual.com. If you want to maximize your military paycheck, check out Spencer's 5 star rated book The Military Money Manual: A Practical Guide to Financial Freedom on Amazon or at shop.militarymoneymanual.com. I also offer a 100% free course on military travel hacking and getting annual fee waived credit cards, like The Platinum Card® from American Express, the American Express® Gold Card, and the Chase Sapphire Reserve® Card in my Ultimate Military Credit Cards Course at militarymoneymanual.com/umc3. Learn how to get your annual fees waived on premium credit cards from American Express in the Ultimate Military Credit Cards Course at militarymoneymanual.com/umc3. The Platinum Card® from American Express and the American Express® Gold Card waive the annual fee for active duty military servicemembers, including Guard and Reserve on active orders over 30 days. The annual fees on all personal Amex cards are also waived for military spouses married to active duty troops.
Lots to discuss this week with guests John Ingram and Rick Cenname! We dive into the January Monthly Market Update, discuss some exciting news from the Consumer Financial Protection Bureau (spoiler: medical bills will no longer impact your credit report!), and learn why you don't have to pay off your mortgage on a inherited home. Don't miss it! #January #MonthlyMarketUpdate #MarketUpdate #RealEstateStats #RealEstateMarket #HomeBuying #HomeSelling #Luxury #LuxurySales #LuxuryHomes #RealEstateTrends #MarketUpdate #MarketStats #SingleFamilyHomes #RadioShow #LasVegas #LasVegasRealEstateRadio #RealEstate #Inventory #MedicalBills #CreditReport #CreditScore #News #Mortgage #Loans #Inheritence #TuneIn Facebook: https://www.facebook.com/LVRealEstateRadio Twitter: https://www.twitter.com/LVRERadio LinkedIn: https://www.linkedin.com/in/LVRealEstateRadio Instagram: https://www.instagram.com/lvrealestateradio/ SoundCloud: https://www.soundcloud.com/lvrealestateradio Website: https://www.lvrealestateradio.com Youtube: https://www.youtube.com/@LasVegasRealEstateNOW
Episode 492: Neal and Kyle discuss the major decision from Meta's CEO Mark Zuckerberg to rollback fact-checking programs across its platforms in an effort to promote “more free speech.” Then, Donald Trump Jr. visits Greenland while his father has expressed interest in buying the island for the US. Next, the CFPB announces a new rule that will bar medical debt being used against your credit report. Plus, Dell is rebranding its PCs by ditching confusing names and going with simple words such as “pro” and “pro max.” Sound familiar? Lastly, the biggest headlines you need to know for the day. Subscribe to Morning Brew Daily for more of the news you need to start your day. Share the show with a friend, and leave us a review on your favorite podcast app. Checkout public.com/morningbrew for more Listen to Morning Brew Daily Here: https://link.chtbl.com/MBD Watch Morning Brew Daily Here: https://www.youtube.com/@MorningBrewDailyShow All investing involves the risk of loss, including loss of principal. Brokerage services for US-listed, registered securities, options and bonds in a self-directed account are offered by Public Investing, Inc., member FINRA & SIPC. Public Investing offers a High-Yield Cash Account where funds from this account are automatically deposited into partner banks where they earn interest and are eligible for FDIC insurance; Public Investing is not a bank. Cryptocurrency trading services are offered by Bakkt Crypto Solutions, LLC (NMLS ID 1890144), which is licensed to engage in virtual currency business activity by the NYSDFS. Cryptocurrency is highly speculative, involves a high degree of risk, and has the potential for loss of the entire amount of an investment. Cryptocurrency holdings are not protected by the FDIC or SIPC. APY as of 1/2/25, offered by Public Investing, member FINRA/SIPC. Rate subject to change. Learn more about your ad choices. Visit megaphone.fm/adchoices
Today's Headlines: Meta announced it's ending its fact-checking program, replacing it with community notes and undoing limits on political content in feeds. Meanwhile, Dana White, UFC president and Trump ally, joined Meta's board. Judge Aileen Cannon temporarily blocked Special Counsel Jack Smith's report on Trump's classified documents and election interference cases, pending appeal. Trump criticized former President Carter during his press conference and hinted at military action to control the Panama Canal and Greenland. Donald Trump Jr. visited Greenland as a private citizen but received no official meetings, while Greenland reaffirmed it's not for sale. Minneapolis and the DOJ reached a consent decree to implement mandatory police reforms after George Floyd's killing. A new study found fewer than 0.1% of teens receive gender-affirming care, despite 3% identifying as transgender in a recent CDC survey. The Biden administration announced plans to remove medical debt from credit reports and eliminate $15 billion in medical debt, expected to improve credit scores for over 15 million Americans. Resources/Articles mentioned in this episode: NBC News: Meta is ending its fact-checking program in favor of a 'community notes' system similar to X's WA Post: UFC's Dana White joins Meta board MSNBC: Judge Aileen Cannon temporarily blocks the release of Jack Smith's final report AP News: Takeaways from Trump's Mar-a-Lago press conference AP News: Donald Trump Jr. arrives in Greenland with a message from his dad: 'We're going to treat you well' WA Post: Years after Floyd's death, Minneapolis and DOJ agree to police changes NPR: Few transgender minors receive gender-affirming care medicines, study finds Whitehouse: FACT SHEET: Vice President Harris Announces Final Rule Removing Medical Debt from All Credit Reports | The White House Morning Announcements is produced by Sami Sage alongside Bridget Schwartz and edited by Grace Hernandez-Johnson Learn more about your ad choices. Visit megaphone.fm/adchoices
GOP Attack on Medicaid Puts 'Millions of People at Risk of Losing Benefits'. CFPB Bans Medical Debt From Credit Reports—But GOP Wants to Reverse It. Trump threatening war for canal. Subscribe to our Newsletter: https://politicsdoneright.com/newsletter Purchase our Books: As I See It: https://amzn.to/3XpvW5o How To Make America Utopia: https://amzn.to/3VKVFnG It's Worth It: https://amzn.to/3VFByXP Lose Weight And Be Fit Now: https://amzn.to/3xiQK3K Tribulations of an Afro-Latino Caribbean man: https://amzn.to/4c09rbE
The Moneywise Radio Show and Podcast Tuesday, January 7th, 2025 BE MONEYWISE. Moneywise Wealth Management I "The Moneywise Guys" podcast call: 661-847-1000 text in anytime: 661-396-1000 website: www.MoneywiseGuys.com facebook: Moneywise_Wealth_Management instagram: MoneywiseWealthManagement Guest: Allyn Medeiros, Loan Officer at Agape Mortgage website phone: 661-496-9311
A new rule finalized by the federal Consumer Financial Protection Bureau would remove close to $50 billion in medical debt from millions of Americans' medical bills. CFPB director Rohit Chopra explains. And, Minneapolis signed off on a federal agreement to reform the city's police department following the 2020 murder of George Floyd. Rachel Marshall of the John Jay College of Criminal Justice talks about what's in the plan. Then, journalist Jesse Holland joins us to talk about "Captain America: The Shield of Sam Wilson," his new book about the state of the Black superhero universe.Learn more about sponsor message choices: podcastchoices.com/adchoicesNPR Privacy Policy
Join Our FREE Start Repairing Credit Challenge: http://startrepairingcredit.com/ How did a Cuban immigrant build a $2M credit repair business without running any ads?Meet Rolando Nunez, founder of New Jersey Credit Repair LLC and a proud Millionaires Club member. Rolando turned his passion into a purpose-driven business, helping over 1,500 clients and amassing a social media following of 700,000+.Rolando shares how he identified a critical gap in Spanish-language credit repair services, used social media to engage and educate his audience, and scaled his business to $2M. He also reveals how his team helps clients build credit responsibly while maintaining honesty and transparency.Tune in to learn how to leverage content marketing, build trust with clients, and grow a business that changes lives.If you're ready to take your credit repair business to the next level, this is a must-listen!Key Takeaways:00:00 Intro 01:37 Rolando's Millionaires Club Achievement02:33 Rolando's immigrant background and fascination with U.S. credit systems05:26 Leveraging COVID downtime to launch his business07:44 Reaching 1,500 clients by focusing on social media19:47 Building a Spanish-language financial education platform28:02 Popular products like rental payment reporting and credit builder cards32:18 Advice: "Start now and stay consistent."35:22 Outro Additional Resources:Rolando's Website: https://njcreditrepairllc.com/Rolando's Instagram: https://www.instagram.com/mr.credit.usa/Rolando's Tiktok: https://www.tiktok.com/@mr.credit.usaRolando's Facebook: https://www.facebook.com/njcreditrepairllc?mibextid=LQQJ4dRolando's YouTube: https://www.youtube.com/channel/UCaqA5P8tyYdozEyL6sUsfxAGet a free trial to Credit Repair CloudGet my free credit repair training 10 Steps to Build a Successful Credit Repair BusinessMake sure to subscribe so you stay up to date with our latest episodes.
As has become tradition, Insert Credit ranks the best games of all time, or at least 87% of them: the ones the industry won't sell you anymore. Plus, the first ever spending of credits on Insert Credit Show. Hosted by Alex Jaffe, with Frank Cifaldi, Ash Parrish, and Brandon Sheffield. Edited by Esper Quinn, original music by Kurt Feldman. Watch episodes with full video on YouTube Discuss this episode in the Insert Credit Forums SHOW NOTES: The Boss 87% Missing: the Disappearance of Classic Video Games PC Engine Sega Saturn OutRun: Online Arcade Asuka 120% series Ga-rou-den Breakblow Ribbit King NiGHTS into Dreams… Spec Ops: The Line Rain Jerks Lost Odyssey Bloodborne Nintendo Wii Nintendo DS Nintendo 3DS 1: Round 1 - Frank's First Nomination (08:13) Rock Band Guitar Hero series Rock Band 4 Stone Temple Pilots Soundgarden Alice in Chains 2: Round 1 - Ash's First Nomination (13:08) Concord Foamstars Suicide Squad: Kill the Justice League 3: Round 1 - Brandon's First Nomination (16:12) Silent Hill Resident Evil Silent Hill 2 Stephen King Wes Craven P.T. 4: Round 2 - Frank's Second Nomination (19:34) NBA Jam Michael Jordan Madonna A League of Their Own (1992) 1991-92 Chicago Bulls season Magic: the Gathering Jordan vs Bird: One on One Grand Theft Auto series Madden series Call of Duty series Ken Griffey Jr Presents Major League Baseball 5: Round 2 - Ash's Second Nomination (28:00) Tekken 3 Tekken series Super Smash Brothers series Street Fighter series EVO Gon Masashi Tanaka Hunter X Hunter SoulCalibur IV Darth Vader Geralt Zelda Def Jam series Ryū ga Gotoku / Like a Dragon / Yakuza series 6: Round 2 - Brandon's Second Nomination (32:43) Virtua Cop 2 Time Crisis series Resident Evil: Dead Aim Area 51 Fighters Megamix The House of the Dead series The Police 7: Round 3 - Frank's Third Nomination (36:50) Animal Crossing Animal Crossing series Chulip Booker Copper Ryū ga Gotoku / Like a Dragon / Yakuza series 8: Round 3 - Ash's Third Nomination (43:37) Crazy Taxi Yeah Yeah Yeah Yeah Yeah Tim Waltz Sega Dreamcast OutRun Games Done Quick The Offspring Bowling For Soup Ozzfest GameTap 9: Round 3 - Brandon's Third Nomination (51:06) Panzer Dragoon Saga Sega Saturn Ryū ga Gotoku / Like a Dragon / Yakuza series Sega Genesis Doctor Who Super Scaler Burning Rangers Sony PlayStation 2 Sony PlayStation 3 Pong Arkanoid 10: Round 4 - Frank's Final Nomination (01:02:04) The Secret of Monkey Island Ship of Theseus Raw Danger! Disaster Report / Zettai Zetsumei Toshi series Roland Emmerich Die Hard (1988) Mass Effect series 11: Round 4 - Ash's Final Nomination (01:09:02) Elite Beat Agents Mr. Bones LaserDisc Mortal Kombat Mythologies: Sub-Zero Grateful Dead The Sirens of Titan 12: Brandon's Honorable Mentions (01:15:17) OutRun: Online Arcade Ga-rou-den Breakblow Asuka 120% series Ribbit King NiGHTS into Dreams… F-Zero GX Resistance series Killzone series inFAMOUS series Halo series Spec Ops: The Line Rain Jerks Sakura Taisen Burning Rangers Magic Knight Rayearth Sega Rally Championship Dino Crisis 2 Ridge Racer 7 Ridge Racer 6 WipEout XL Parasite Eve Bushido Blade Snatcher Vakyria Chronicles 2 Oh Deer! 12: Round 4 - Brandon's Final Nomination (01:18:18) Puyo Puyo~n Vincent Diamante Sega Dreamcast Sony PlayStation 13: Frank and Ash's Honorable Mentions (01:20:19) Lemmings Amiga Rockstar Games Psygnosis SSX Tricky Diddy Kong Racing Nintendo 64 Sailor Moon Drops Nintendo DS Why do games go out of print? (01:24:58) Credit Report (01:37:58) THE INSERT CREDIT ANNUAL #6 Silent Hill Raw Danger! Panzer Dragoon Saga Crazy Taxi NBA Jam Tekken 3 Rock Band Animal Crossing (GCN) Virtua Cop 2 Puyo Puyo~n Mr. Bones Concord This week's Insert Credit Show is brought to you by patrons like you. Thank you. Subscribe: RSS, YouTube, Apple Podcasts, Spotify, and more!
As has become tradition, Insert Credit ranks the best games of all time, or at least 87% of them: the ones the industry won't sell you anymore. Plus, the first ever spending of credits on Insert Credit Show. Hosted by Alex Jaffe, with Frank Cifaldi, Ash Parrish, and Brandon Sheffield. Edited by Esper Quinn, original music by Kurt Feldman. Watch episodes with full video on YouTube Discuss this episode in the Insert Credit Forums SHOW NOTES: The Boss 87% Missing: the Disappearance of Classic Video Games PC Engine Sega Saturn OutRun: Online Arcade Asuka 120% series Ga-rou-den Breakblow Ribbit King NiGHTS into Dreams… Spec Ops: The Line Rain Jerks Lost Odyssey Bloodborne Nintendo Wii Nintendo DS Nintendo 3DS 1: Round 1 - Frank's First Nomination (08:13) Rock Band Guitar Hero series Rock Band 4 Stone Temple Pilots Soundgarden Alice in Chains 2: Round 1 - Ash's First Nomination (13:08) Concord Foamstars Suicide Squad: Kill the Justice League 3: Round 1 - Brandon's First Nomination (16:12) Silent Hill Resident Evil Silent Hill 2 Stephen King Wes Craven P.T. 4: Round 2 - Frank's Second Nomination (19:34) NBA Jam Michael Jordan Madonna A League of Their Own (1992) 1991-92 Chicago Bulls season Magic: the Gathering Jordan vs Bird: One on One Grand Theft Auto series Madden series Call of Duty series Ken Griffey Jr Presents Major League Baseball 5: Round 2 - Ash's Second Nomination (28:00) Tekken 3 Tekken series Super Smash Brothers series Street Fighter series EVO Gon Masashi Tanaka Hunter X Hunter SoulCalibur IV Darth Vader Geralt Zelda Def Jam series Ryū ga Gotoku / Like a Dragon / Yakuza series 6: Round 2 - Brandon's Second Nomination (32:43) Virtua Cop 2 Time Crisis series Resident Evil: Dead Aim Area 51 Fighters Megamix The House of the Dead series The Police 7: Round 3 - Frank's Third Nomination (36:50) Animal Crossing Animal Crossing series Chulip Booker Copper Ryū ga Gotoku / Like a Dragon / Yakuza series 8: Round 3 - Ash's Third Nomination (43:37) Crazy Taxi Yeah Yeah Yeah Yeah Yeah Tim Waltz Sega Dreamcast OutRun Games Done Quick The Offspring Bowling For Soup Ozzfest GameTap 9: Round 3 - Brandon's Third Nomination (51:06) Panzer Dragoon Saga Sega Saturn Ryū ga Gotoku / Like a Dragon / Yakuza series Sega Genesis Doctor Who Super Scaler Burning Rangers Sony PlayStation 2 Sony PlayStation 3 Pong Arkanoid 10: Round 4 - Frank's Final Nomination (01:02:04) The Secret of Monkey Island Ship of Theseus Raw Danger! Disaster Report / Zettai Zetsumei Toshi series Roland Emmerich Die Hard (1988) Mass Effect series 11: Round 4 - Ash's Final Nomination (01:09:02) Elite Beat Agents Mr. Bones LaserDisc Mortal Kombat Mythologies: Sub-Zero Grateful Dead The Sirens of Titan 12: Brandon's Honorable Mentions (01:15:17) OutRun: Online Arcade Ga-rou-den Breakblow Asuka 120% series Ribbit King NiGHTS into Dreams… F-Zero GX Resistance series Killzone series inFAMOUS series Halo series Spec Ops: The Line Rain Jerks Sakura Taisen Burning Rangers Magic Knight Rayearth Sega Rally Championship Dino Crisis 2 Ridge Racer 7 Ridge Racer 6 WipEout XL Parasite Eve Bushido Blade Snatcher Vakyria Chronicles 2 Oh Deer! 12: Round 4 - Brandon's Final Nomination (01:18:18) Puyo Puyo~n Vincent Diamante Sega Dreamcast Sony PlayStation 13: Frank and Ash's Honorable Mentions (01:20:19) Lemmings Amiga Rockstar Games Psygnosis SSX Tricky Diddy Kong Racing Nintendo 64 Sailor Moon Drops Nintendo DS Why do games go out of print? (01:24:58) Credit Report (01:37:58) THE INSERT CREDIT ANNUAL #6 Silent Hill Raw Danger! Panzer Dragoon Saga Crazy Taxi NBA Jam Tekken 3 Rock Band Animal Crossing (GCN) Virtua Cop 2 Puyo Puyo~n Mr. Bones Concord This week's Insert Credit Show is brought to you by patrons like you. Thank you. Subscribe: RSS, YouTube, Apple Podcasts, Spotify, and more!
Join Our FREE Start Repairing Credit Challenge: http://startrepairingcredit.com/ Struggling to keep your credit repair clients coming back?We got you! In this speech from our 2019 Credit Repair Expo, the incredible Andre Coakley explains everything you need to know to master customer retention. Andre, an award-winning credit repair expert and best-selling author, shares his proven strategies for turning clients into lifelong advocates for your business.Discover why retention is seven times more cost-effective than acquisition, how to leverage the "service recovery paradox" to turn negative experiences into loyalty, and the key metrics every business needs to track for sustained growth.Let's jump right in! Key Takeaways:00:00 Intro 01:43 Why Retention Is Better Than Acquisition 05:17 Defining Customer Retention and Service Recovery Paradox 08:14 Customer Journey Stages12:21 Just Starting Out? Do This!13:52 Customer Churn Rate16:26 Maximizing Revenue 18:27 Tracking Retention Efforts and Customer Value 20:30 Measuring Loyalty 23:23 Outro Additional Resources:Get a free trial to Credit Repair CloudGet my free credit repair training How to Launch a Credit Repair Business From Nothing With Andre CoakleyMake sure to subscribe so you stay up to date with our latest episodes.
What do investors need to know about the new tenant credit report law? ============= If you enjoy today's episode, please leave us a review and share with someone who may also find value in this content! Connect with Mark and Tom: StraightUpChicagoInvestor.com Email the Show: StraightUpChicagoInvestor@gmail.com Guest: Mark Ainley, Straight Up Chicago Investor Podcast Link: How 2025 Illinois Tenant Credit Report Law Impacts Landlords ----------------- Production House: Flint Stone Media Copyright of Straight Up Chicago Investor 2024.
Join Our FREE Start Repairing Credit Challenge: http://startrepairingcredit.com/ It's no secret. Medical debt is one of the top reasons for financial hardship in the US. Unlike many other forms of debt, medical debt is not about overspending. It's about a broken system, and even people with health insurance can end up drowning in bills they can't afford. Luckily, there have been some really positive changes and steps made towards making sure that people aren't crushed by medical bills.Today, I will explain those changes and share how you can remove any remaining medical collections from your credit report!Tune in.Key Takeaways:00:00 Intro 00:51 The Impact of Medical Debt 02:06 New Rules for Medical Debt Reporting03:40 How to Remove Medical Collections 07:01 My Final Point07:23 OutroAdditional Resources:Get a free trial to Credit Repair CloudGet my free credit repair training How to Write Effective Credit Repair Dispute Letters (5 Proven Tactics)Make sure to subscribe so you stay up to date with our latest episodes.
B”H This episode is brought to you by American Friends of Yad Eliezer/B'ezri. Help our brothers and sisters in Israel by donating today at bezri.org On this show of Ask Yael on Jewish Money Matters, Yael shares what to do if you have your child's savings sitting on a traditional savings account and you want […] The post 407: Ask Yael — What to do with children's savings and how to fix a mistake on your credit report appeared first on Yael Trusch.
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