Podcasts about Credit Sesame

If there is one thing that the last decade of fintech innovation has achieved, it is more awareness around consumer credit scores. The majority of the population know their approximate score and even teenagers are talking about it. For better or worse (I think it almost uniformly positive) consumers look at the score as a measure, maybe even the measure, of their financial health.My next guest on the Fintech One on One podcast is Adrian Nazari, the CEO and Founder of Credit Sesame. It is companies like Credit Sesame that have been at the forefront of the increased awareness of credit scores. Now, with a new B2B offering they are poised to reach even more consumers than ever before.In this podcast you will learn:Why he decided to start Credit Sesame.What is still missing to help consumers manage their credit.What Credit Sesame offers for consumers today.The various ways they are using AI at Credit Sesame.Why they are exclusively focused on credit for financial wellness.Why they decided to start a B2B offering.Who they are focused on with this product.How Adrian is managing both a direct to consumer and a B2B offering.Why he thinks the B2B side will be the growth driver moving forward.How they are working with lenders to improve the borrower experience.How they are different to Credit Karma.The state of the US consumer today when it comes to their credit score.His vision for Credit Sesame.Connect with Fintech One-on-One: Tweet me @PeterRenton Connect with me on LinkedIn Find previous Fintech One-on-One episodes

What if teaching kids about money could change their lives forever? This week on Mitlin Money Mindset®, Larry Sprung welcomes David Delisle, founder of The Awesome Stuff™, to explain how financial literacy starts early and the powerful impact of intentional living.  In this episode, David shares his unique journey, discussing how small shifts in our conversations with children about money can foster lifelong financial health and happiness. Discover how David's approach to financial education and mindfulness can transform not just the habits of children, but families as a whole. With a career spanning entrepreneurship, real estate investing, and authorship, David uses his insights to guide families towards what truly matters. Larry and David discuss:  How powerful words shape children's perceptions of money and value The Awesome Stuff™ concept and its journey Practical tips to start positive money conversations with kids The importance of habits over mechanics in investing Insights from his book, "The Golden Quest", on teaching financial literacy to kids And more! Resources: Mitlin Financial   The JOY and Productivity Journal by Lawrence Sprung  Download Your Free Copy of the Couple's JOYful Money Guide The Golden Quest by David Delisle Connect with Larry Sprung:  LinkedIn: Larry Sprung Instagram: Larry Sprung Facebook: Larry Sprung X (Twitter): Larry Sprung Connect with David Delisle:  Instagram: David Delisle Website: The Awesome Stuff About our Guest: David Delisle, founder of The Awesome Stuff™, is a bestselling author, entrepreneur, real estate investor, speaker, and most importantly, Dad. He is a contributor to Entrepreneur, Yahoo! News, Thrive Global and more. At age 11, David made his first investment. By age 20, he began investing in real estate and was retired by age 40. His book, The Golden Quest, is a Calvin & Hobbes-style graphic novel that teaches potent lessons about money, focusing on breaking the cycle of always chasing more. David's goal is to change the way our kids think about money and create more freedom for what's most important to them… the Awesome Stuff™. David has been featured in Good Day LA, Good Day DC, NTD TV, NY Post, ScaryMommy, GoBankingRates, MindBodyGreen, Credit Sesame, and more! Disclosure: Guests on the Mitlin Money Mindset are not affiliated with CWM, LLC, and opinions expressed herein may not be representative of CWM, LLC. CWM, LLC is not responsible for the guest's content linked on this site.

As parents, we want to set our children up for success in every area of life, and one crucial skill that often gets overlooked is financial literacy. In a world where financial decisions play such a big and vital role in our lives, teaching kids how to be smart with money is one of the most valuable gifts we can give them. Our guest today, money mindfulness expert David Delisle, agrees and is on a mission to change how we teach our kids about money. He says, "As a society, we need to eliminate all of the shame and judgment around money . . . which may even be trickling into our parenting methods." Who is David Delisle? David Delisle, founder of The Awesome Stuff™, is a bestselling author, entrepreneur, real estate investor, speaker, and most importantly, a Dad. He is a contributor to Entrepreneur, Yahoo! News, Thrive Global, and more. At age 11, David made his first investment, and by age 20, he began investing in real estate and was retired by age 40. So inspiring! His book, The Golden Quest, is a Calvin & Hobbes-style graphic novel that teaches potent lessons about money, focusing on breaking the cycle of always chasing more. David's goal is to change how our kids think about money and create more freedom for what's most important to them . . . the Awesome Stuff™. David has been featured on Good Day LA, Good Day DC, Yahoo Wealth, Be Well, NTD TV, ScaryMommy, GoBankingRates, MindBodyGreen, Credit Sesame, and more. What Did We Discuss? In this episode, we chat with David Delisle about how to teach our kids about money and boosting their financial literacy. Conversations around money are the foundation of increasing our kids' financial literacy. Parents can demonstrate money mindfulness with their kids by simply talking about money, letting them know what you're saving for, and your priorities.  Whether you have a toddler just learning about counting or a teen getting their first paycheck, this is an episode that all parents should listen to. So grab a notebook, and let's start building the foundation for your child's financial future! David's Resources Website: daviddelisle.com Company: theawesomestuff.com Instagram: @theawesomestuff LinkedIn: @DavidDelisle His book: The Golden Quest Thank you for listening to this episode! Go to the SHOW NOTES for more details and be sure to subscribe to our podcast, leave us a review, and follow us on our podcast Instagram page @thebabychickchat for more content! Cheers to financial literacy and financial freedom! Learn more about your ad choices. Visit megaphone.fm/adchoices

Credit-builder cards from companies like Chime Financial and Credit Sesame are promising customers a higher credit score without ever borrowing or paying back any money. Wall Street Journal reporter Gina Heeb joins host J.R. Whalen to discuss how these cards work.  Sign up for the WSJ's free Markets A.M. newsletter.  Learn more about your ad choices. Visit megaphone.fm/adchoices

Proverbs 27:12 reads, “The prudent sees danger and hides himself, but the simple go on and suffer for it.”The word “insurance” isn't in the Bible, but it does say that it's wise to protect your financial holdings—and insurance is one way to do that.Understanding Essential Insurance PoliciesInsurance is a fundamental aspect of financial planning. For most of us, unless we have vast wealth diversified across numerous investments, insurance serves as a critical safety net. So, what insurance policies are necessary?Auto and Home InsuranceAuto insurance is generally required by law if you own a vehicle. Homeowners insurance is mandatory if you have a mortgage and advisable even if you don't. Bundling these two can save money, and adding an umbrella policy provides extra liability protection for a modest cost.Renters InsuranceRenters insurance is often overlooked but vital for protecting personal property and covering liability. It's affordable, typically under $200 annually.Health InsuranceHealth insurance is a must. Without insurance, the costs of medical care can be astronomical, making health coverage a crucial safeguard.Life InsuranceLife insurance is necessary if someone depends on your income. Consider term life insurance over whole life, especially when downsizing your policy later in life.Long-Term Care InsuranceLong-term care insurance is vital for those in their 50s and beyond. With most seniors needing some form of long-term care, this insurance can prevent financial ruin.Long-Term Disability InsuranceThis insurance protects your income if you're incapacitated. Premiums are typically a small percentage of your annual salary.Insurance to AvoidTitle theft insurance and identity theft insurance can be redundant. Instead, monitor your credit through free services like Credit Karma, Credit Sesame, or AnnualCreditReport.com and freeze it if needed. Title insurance, on the other hand, is crucial when purchasing a home.By strategically selecting the right insurance policies, you can protect yourself and your family against unforeseen events while avoiding unnecessary expenses.On Today's Program, Rob Answers Listener Questions:My wife and I sold our house in 2018 before the pandemic and we were living overseas for a while. Now that we're back, we're renting a home from some friends at a below-market price of $1100 a month. We have four kids, and it's a bit cramped in the three-bedroom, one-bath house. With the rising housing prices and interest rates, we're not sure if we should keep saving for a larger down payment on a $300,000 home or buy now with the 20% down payment we have. What do you think we should do - keep renting to save more or buy now, even with the high interest rates?I'm 56 years old and currently receiving Social Security disability benefits. Will the monthly amount I receive now change when I turn 67 and start receiving regular Social Security retirement benefits?I purchased a home in Dyer, Indiana, with a balance of $310,000, and I put a substantial amount down, so now I owe $173,338. My current monthly mortgage payment is $577, with $31.92 to the principal and $101.47 to the interest. I have substantial savings to pay off the remaining balance of $173,338. Given that I have the money and the interest rate on the loan is 7%, should I pay off the mortgage now or hold on to the cash for another year?Resources Mentioned:AnnualCreditReport.comCredit KarmaCredit SesameRich 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.

Chances are you have at least one if not more credit cards in your wallet. In fact, a recent report indicated that half of Americans have two or more credit cards. And rewards credit cards seem to be pretty popular with consumers. These kind of cards have perks like cash back or points that you can apply and reduce airfare. But with all the benefits, rewards credit cards come with some risk. Today, Richard Barrington joins us on the On Your Side podcast. He's a financial analyst for Credit Sesame and has worked for 30 years in the financial industry. He says rewards credit cards are deceptive and can lead some consumers into debt.

Richard Barrington - Financial Analyst for Credit Sesame - talks with Marc and Kim about  how only half of Americans believe they can pay off their December credit card bill.  Mr. Barrington also tells how American's and start to nibble away at their debt by doing things like using your tax refund.

In the 2nd hour of the Marc Cox Morning Show: Sen. Majority Leader Cindy O'Laughlin told the media she'd like to throw Bill Eigel out of the Senate  Richard Barrington - Financial Analyst for Credit Sesame - talks with Marc and Kim about  how only half of Americans believe they can pay off their December credit card bill.  Mr. Barrington also tells how American's and start to nibble away at their debt by doing things like using your tax refund. In Other News with Ethan: Snoop makes amends with Trump.  Leno seeks a conservatorship for his wife, A woman gets hits with a bag of beads and urine at Mardi Gras, and how much do you need to retire in MO Coming Up: Todd Piro and Cam Edwards

Kruser talks to financial advisor Richard Barrington from Credit Sesame about how your holiday spending can effect your credit card debt.  See omnystudio.com/listener for privacy information.

November 14, 2023 ~ Richard Barrington, Financial Analyst at Credit Sesame, credit card interest rates are at 20 year high with delinquencies and balances on the rise.

Financial Analyst for Credit Sesame. He has worked for over thirty years in the financial industry. He graduated from John Fisher College and joined Manning & Napier Advisors. He worked his way up to become head of marketing and client service, an owner of the firm and a member of its governing executive committee. He left the investment business in 2006 to become a financial analyst and commentator with a focus on the impact of the economy on personal finances Richard Barrington joins JT to discuss how americans are now running out of money and racking up record credit card debt.

Americans continued to pile on credit card debt this year, with total balances approaching $1 trillion sooner than some experts had expected.  US credit cardholders now owe $986 billion in debt, data from the Federal Reserve of New York found Monday. That's $59 billion higher than the record set in the fourth quarter of 2019, when balances stood at $927 billion. It's also the first time since 2001 in which credit card debt didn't fall in the first quarter.  The uptick in credit card debt is a sign that some US households are being forced to lean on credit cards to meet basic monthly expenses as inflation and high interest rates diminish their savings.  Still, there are some ways consumers can use credit cards to their advantage, experts say, when used wisely. How is the country split between people who use credit cards the right way and those who use them the wrong way? Credit cards can be about the cheapest way to use credit - or one of the most expensive. What makes the difference? Financial Analyst for Credit Sesame. He has worked for over thirty years in the financial industry. He graduated from John Fisher College and joined Manning & Napier Advisors. He worked his way up to become head of marketing and client service, an owner of the firm and a member of its governing executive committee. He left the investment business in 2006 to become a financial analyst and commentator with a focus on the impact of the economy on personal finances RICHARD BARRINGTON gives you some tips on how to avoid these problems.See omnystudio.com/listener for privacy information.

Stacy Wakefield, VP of Marketing at Delphia, discusses her biggest new marketing challenge: building a Web3 brand and community. She explains the complexities of managing risk and compliance and how Web3 differs from Web2 marketing tactics.  In this episode we discuss:  Importance of marketing team building strong working relationships across product and compliance departments Ways to collect direct feedback from your audience including user interviews and platforms like Discord The shift to building community as a tactic for mainstream user adoption Guest Bio:  Stacy Wakefield is the VP of Marketing at Delphia, an investment platform that lets you invest your money and your data. Stacy has spent her whole career in digital marketing primarily in Fintech at brands like Credit Karma, Credit Sesame and SoFi. Stacy's biggest new marketing challenge is building a web3 brand at Delphia and learning about the exciting and mysterious world of crypto.  ------------------------------------------------------ About this Show: The Brave Marketer Podcast is hosted by Donny Dvorin, VP, Head of Sales at Brave Software - the makers of the privacy-respecting browser with a built-in ads platform that rewards users for their attention with the Basic Attention Token. Brave is at the forefront of a new online privacy frontier and has unique insights into the future of marketing and advertising in a cookieless world.  Music by: Ari Dvorin

Nate Birt is a veteran journalist whose portfolio includes work for AOL/Patch.com, the Boonville (Mo.) Daily News, the Boulder (Colo.) Daily Camera, the Columbia Missourian, the Columbia (Mo.) Tribune, Credit Sesame, the Detroit Free Press, ScribbleLive, Social5 and Visual.ly. His first book, “Frozen, But Not Forgotten,” is a humorous and encouraging step-by-step guide to embryo adoption for parents told from a Christian perspective. It publishes April 1, 2019, from Carpenter's Son Publishing and is sold and distributed by Ingram. Subscribe to his blog on embryo adoption and parenting at www.natebirt.com.

Andrew Lerner is Managing Partner of IA Capital Group, having launched IA Capital's venture capital business which is now the firm's core activity. Andy is a Director of Credit Sesame, SmartAsset, Matic, and Marble. Andy notes the VC industry has matured from being the Wild West to become a founder-friendly industry. IA's sweet spot is Series A or five years before the potential sale of a company versus the seed stage where you have to wait ten years or more. The right time to reach out is when your company has $1M revenue or more, are headed towards $2M revenue and are ready to raise a Series A. Once the company's valuation is $100M or more IA feels the fastest growth has already happened.  Andy relates that full-stack insurers valuations are not what they once were, so partnering with innovative insurtechs help them get farther than their own ideas/tech labs. The majority of insurtechs today either serve or distribute products for insurers and generate the bulk of the innovation being seen across the industry. Areas of Insurtech investment focus right now include cyber, cannabis and crypto insurance, new market segments where startups have an edge over established companies to gain a foothold in new markets. Andy notes that Fintech is five times as large as Insurtech, so they focus on specific strength areas like payments where they invest din Marqueta, and wealth management like NextCapital and SmartAsset. Andy also talks about culture: what makes a good fit with the co-founders and overall management team, reviewing how equity is divided and motivation for the founding team. He also talks about a VC can successfully act as a Board member, whether hiring new team members, getting new customers but avoiding the operational side of the business. Andy holds a B.S.E. in Electrical Engineering and Computer Science from Princeton University and an M.B.A. in Finance from The Wharton School, University of Pennsylvania. He serves as a director of Transportation Alternatives and Chess In The Schools. Follow the Insurtech Leadership Podcast airing weekly hosted by Joshua R. Hollander. We give you up-close access and personal insights from the leaders of the fastest-growing #insurtechs and most innovative #insurance carriers and brokers.

00:00 Redistricting gives all of Boone County just one state representative 14:00 GM of Global Banking at Credit Sesame, Miro Pavletic on how rent payments can be factored into credit scores

GM of global banking at Credit Sesame, Miro Pavletic, discusses how millennials can improve their credit score by having rent payments and debit card transactions taken into consideration by credit bureaus.

Artist! The word conjures up all sorts of images. For Jasmine Leyva, “Jas” to her friends, the word artist only begins to describe this multi-talented woman. Unapologetically an artist, Jas was born in D.C., a city that used to be more appreciative of doctors, lawyers, and politicians. After she realized Los Angeles would open up opportunities for college and her dream to get into film, Jas relocated to the West Coast.  With a Bachelor of Arts in TV, Film and Media and a Master of Fine Arts in screenwriting, Jas' resume boasts amazing accomplishments including working as an associate producer on the NAACP winning docuseries entitled, Unsung. From there, Jas was given the opportunity to write and produce on Being, a docuseries highlighting dynamic entertainers in film and music. Happy to be doing what she loved, but simultaneously unhappy about putting that passion into someone else's vision, Jas decided to let go of her nine-to-five and come into her own reign of pure artistry. Her philosophy is, “no limits and no boss except for her own creativity.” Jas went on to star in commercials and print ads for major brands like Nissan, Sony, Apple, Uber, American Express, Diesel, BlackPeopleMeet, Credit Sesame, Michelle Watches, Elle magazine and more. Jasmine and Kenny Leyva produced their own feature length documentary, The Invisible Vegan, a film that chronicles Jasmine's personal experience with Plant-Based eating. The film also explains how Plant-Based eating is directly linked to African roots and how African-American eating habits have been debased by a chain of oppression stemming from slavery, economics and modern agribusiness. During our conversation we talked about staying healthy during uncertain times, white veganism, food deserts and why now, more than ever, the time is perfect for people to choose to become vegan. To learn more about Jasmine Leyva, visit https://jasmineleyva.com/

In this day of freemium sites I call out what I see as predatory practices by Experian, Credit Sesame, and Credit Karma and break down some real life numbers and examples with you. --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app Support this podcast: https://anchor.fm/changeinadvance /support

Shazia Verji, General Manager of Credit Services for Credit Sesame, joins us to talk about their product that allows you to build your credit score with your debit purchases. You can find out more at creditsesame.com and connect on Twitter, Facebook and LinkedIn.

There is a concept called “staking”, which could be a safer way to invest in crypto. Brian Mosoff, CEO of Ether Capital, tells us about the transition to a more secure and reliable blockchain. And, how debit purchases can build your credit score. Shazia Verji from Credit Sesame tells us about the new credit builder banking technology. Then, personal finance reporter Erica Alini tells us about her new book Money Like You Mean It: Personal Finance Tactics For The Real World. And, Money Moccasins, a program from Momentum that teaches personal finance from an Indigenous perspective. Instructor Theodora Warrior takes us through what to expect. Plus, a conversation with the co-host of the Canadian Investor podcast, Simon Belanger. To find out more about the guests check out:             Brain Mosoff: Twitter Ether Capital: ca | Twitter Shazia Verji: com | Twitter | Facebook | LinkedIn Theodora Warrior: ca | Twitter | Facebook | Instagram | LinkedIn Simon Belanger: com | Twitter Bruce Sellery is a personal finance expert and best-selling author. As the founder of Moolala and the CEO of Credit Canada, Bruce is on a mission to help you get a better handle on your money so you can live the life you want. High energy & low B.S., this is Moolala: Money Made Simple. Find Bruce Sellery at Moolala.ca | Twitter | Facebook | LinkedIn

Join the 700 team and boost your credit scores! Thank you for watching today's episode! Support the show and join The Village at : https://www.patreon.com/QFLOStudios. Your support will get you early access to all our videos and discounts on merchandise. Facebook: https://www.facebook.com/WilsonFinancialMGMT Instagram: https://www.instagram.com/WilsonFinancialMGMT Website: www.wilsonfinancialmgmt.com Credit Sesame — https://www.creditsesame.com/tree-freecreditscore-v1/ Fiona — https://fiona.com/partner/tph/loans Experian Boost — https://www.experian.com/consumer-products/score-boost Pretected — https://www.pretected.com/get-car-insurance Bonus Article: https://apple.news/AghkOdZmdRrCdNkSqCOaGeA

Headline of the week: The time is now for action on social security Credit Freeze The best way to protect your financial information from criminals. It 100% prevents others from accessing your credit information. It also 100% locks down anyone from opening credit in your name. A credit freeze has to be implemented with each of the three credit bureaus (Transunion, Equifax, and Experian). The credit freeze is governed by the federal government and the three credit bureaus have to allow for this procedure under federal law How it works You go to each of the three credit bureaus websites and request a freeze. The process usually takes about 5 minutes or so to set up with each Bureau. Once all three bureaus are frozen, you no longer have to worry about someone opening credit in your name. PIN/CODE: Some of the bureaus may assign a PIN number or a Code to be able to thaw your file. PLEASE PLEASE PLEASE make sure to save this PIN number somewhere safe - I even recommend saving in your email archives somewhere so you can access it if you're not at home. When YOU want to get a loan or be able to have someone pull your credit for a legitimate reason - the bank or lender WILL NOT be able to access your credit profile until you temporarily thaw your credit report. I typically ask the lender which bureau they use, and then just go thaw that credit report at the bureau's website To Thaw: similar process to doing a freeze, just go to the credit bureau website, fill in the information they have requested and/or login to your account and tell the credit bureau how long you want your file to be thawed. The credit freeze and thaw process is pretty much immediate. Typically takes effect within about 5 minutes. What to do BEFORE you freeze your credit Sign up for a free credit monitoring service like Credit Karma or Credit Sesame. These two companies will send you notifications when a new credit account is opened or if there is any suspicious activity. Both companies will send you credit card offers through their website or by email. You can opt out of this stuff, but this is how they make money. Process for freezing credit Each Credit Bureau has a dedicated page on their website that will help you with credit freeze and thawing Experian: Once at their website, select “Add Security Freeze” Transunion : Once at their website - select “Add a freeze” Equifax: Once at their website - select “Place a freeze” *Please remember to save your code/PIN if they provide one.

One more passport stamp in the BBE world tour, that this week makes another stop in the Canadian nation, set with clear goals to understand exactly how has the ecosystem been adapting to the digital leapfrog of the current crisis, but also exactly when did the biggest movements took place. Find out what makes the canadian landscape so interesting and unique in this week's episode, led by Meaghan Johnson together with local experts Ranjit Sarai (Credit Sesame) and Jan-Christopher Arp (Holt XChange). More on our guests:Ranjit Sarai (VP of Digital Banking, Credit Sesame)Ranjit is responsible for developing the product strategy and roadmap of Sesame Cash - one of the fastest growing challenger banks in the US. Prior to Credit Sesame, Ranjit was co-founder and Chief Product Officer at STACK, a Canadian challenger bank and Banking as a Service Platform. STACK was acquired in 2020 by Silicon Valley-based Credit Sesame. Prior to his role at STACK, Ranjit spent over a decade in digital banking as the Head of Digital Strategy and Innovation at President's Choice Financial (PCF) and Director of Mobile Banking at CIBC. Ranjit is active in the startup community as an advisor and angel investor in consumer retail and fintech startups. Ranjit holds a Software Engineering (BEng) degree from Concordia University in Montreal as well as a MBA from the Ivey School of Business in London, Ontario.Linkedln: https://www.linkedin.com/in/ranjit-sarai-83308b11/Credit Sesame: https://www.creditsesame.com/ Jan-Christopher Arp (Founding Managing Partner, Holt XChange)Jan Christopher Arp is a fintech evangelist, passionate about improving society through finance and technology. He is Managing Partner & co-founder of Holt Accelerator that has currently invested in 27 early-stage Canadian and International Fintech, in which those portfolio companies have a combined valuation of $300M. Previously, he founded Fintech Cadence, a non-profit that has trained thousands of individuals in fintech, resulting in the creation of +100 fintech projects. Prior to this, he was Head of Finance at Bus.com, helping it from incorporation to Series A, as well as Head of Finance at District 3, helping 20 early-stage teams raise more than $15 million. He began his career as a Consultant for billion-dollar investment banking projects in space & satellite sector. He holds an MBA from HEC, a finance degree from Ottawa University, passed II levels of the CFA and was awarded Montreal's 2018 Ambassador of the year at the Montreal Startup Awards.Linkedln: https://www.linkedin.com/in/janchristopherarp/Holt XChange: https://holtxchange.com/

Disclaimer:  I'm not a licensed financial guru, just someone who loves to experiment and find different solutions for problems. These hacks have all worked for me, so I'm sharing for those who, like me, also like to experiment. This episode is loaded with bonus tips to raise your score. Grab a pen and paper. You can thank me any time by liking, sharing and commenting.Follow Me: https://www.instagram.com/rosanamod/  For Art Lovers:http://www.amazon.com/handmade/rosana-mod-shopFor Vintage Buffs:https://www.ebay.com/usr/rosanamodRead Me:https://hubpages.com/@rosanamodugnoLove the show?  Click below & thank you!https://paypal.me/RosanaMod?locale.x=en_USWant to be a Podcaster too? Click below:Buzzsprout - Let's get your podcast launched! Start for FREEDisclaimer: This post contains affiliate links. If you make a purchase, I may receive a commission at no extra cost to you.  Yay! Thank you in advance!  ;)

Today I am joined with Jasmine Leyva. Jasmine Leyva is a filmmaker and actress based in Los Angeles. She holds a Bachelor of Arts in TV, Film, and Media and a Masters of Fine Arts in Screenwriting. She went on to star in commercials and print ads for major brands like Nissan, Sony, Apple, Uber, American Express, Diesel, BlackPeopleMeet, Credit Sesame, Michelle Watches, Elle magazine and more.  She also starred in the Lifetime show, My Crazy Ex, along with other TV projects.Jasmine and Kenny Leyva produced their own feature length documentary, The Invisible Vegan, a film that chronicles Jasmine's personal experience with plant-based eating.  The film also explains how plant-based eating is directly linked to African roots and how African-American eating habits have been debased by a chain of oppression stemming from slavery, economics and modern agribusiness. They are currently in pre-production for a few projects.We talk about what inspired her to start acting,  how she created her documentary The Invisible Vegan, what inspired her to go vegan, and navigating relationships when transitioning to veganism.Her Instagram https://www.instagram.com/theinvisiblevegan/

You can subscribe to this podcast and stay up to date on all the stories here on Apple Podcasts, Google Play, Stitcher, Spotify and iHeartRadio. Today is a very special episode, one we’re honored to host.  We wanted to take the time to draw attention for companies to hire and promote more females in the fintech industry.  To do this we have a guest host Neha Mirchandani from Brightplan & guests Holly Danko from Unison, Meilinda Huang from Credit Sesame and Mary Kathryn Lynch from Renew Financial.     Subscribe now on Apple Podcasts, Google , Stitcher, Spotify and iHeartRadio to hear Thursdays interview with Christopher Oster from Clark.  This episode was produced remotely using the ListenDeck standardized audio production system.  If you’re looking to upgrade or jumpstart your podcast production please visit www.listendeck.com.   About the host:   John, is the host of the  ‘Bank On It’ podcast recorded onsite in Wall Street at OpenFin and Million Dollar Startup, a fully remote, high quality pitch competition podcast..   He's also the founder of the remotely recorded, studio quality standardized audio production system ListenDeck.   Follow John on LinkedIn, Twitter, Medium

This episode was produced remotely using the ListenDeck standardized audio production system.  If you’re looking to upgrade or jumpstart your podcast production please visit www.listendeck.com.  You can subscribe to this podcast and stay up to date on all the stories here on Apple Podcasts, Google Play, Stitcher, Spotify and iHeartRadio. In this episode the host John Siracusa chats remotely with Jason Gardner, founder & CEO of Marqeta. Marqeta is a modern card issuing platform that provides infrastructure and tools to help companies build and manage payment programs. Tune in and Listen. Subscribe now on Apple Podcasts, Google , Stitcher, Spotify and iHeartRadio to hear next Tuesdays special women in fintech episode with episode host Neha Mirchandani from Brightplan & guests Holly Danko from Unison, Meilinda Huang from Credit Sesame and Mary Kathryn Lynch from Renew Financial.    About the host:   John, is the host of the  ‘Bank On It’ podcast recorded onsite in Wall Street at OpenFin and Million Dollar Startup, a fully remote, high quality pitch competition podcast..   He's also the founder of the remotely recorded, studio quality standardized audio production system ListenDeck.   Follow John on LinkedIn, Twitter, Medium

Jasmine is a successful actress and filmmaker she has been in alot of movies, commercials and print ads and still remain focus and humble. She has produced her own documentaries and they are showing a different aspect as an African American. She is so brilliant and inspiring. ALL ABOUT JASMINE: Just “Jas” to her friends — she is unapologetically an artist, vegan actress, and filmmaker. With a Bachelor of Arts in TV, Film and Media and a Master of Fine Arts in screenwriting, she worked as an associate producer on a NAACP winning docuseries entitled Unsung, and shortly after, was given the opportunity to write and produce on Being, a docuseries highlighting dynamic entertainers in film and music. She's done court shows, casted for Food Network productions and made strides in front of the camera. She went on to star in commercials and print ads for major brands like Nissan, Sony, Apple, Uber, American Express, Diesel, BlackPeopleMeet, Credit Sesame, Michelle Watches, Elle magazine, and more. She also starred in the Lifetime show, My Crazy Ex, along with other TV projects. Happy to be doing what she loved, but simultaneously unhappy about not telling her own stories, she decided to let go of her nine-to-five and focus on her own goals. Just Jasmine. No limits and no boss except for her own creativity. Jasmine and Kenny Leyva produced their own feature-length documentary, The Invisible Vegan, a film that chronicles Jasmine's personal experience with plant-based eating. The film also explains how plant-based eating is directly linked to African roots and how African-American eating habits have been debased by a chain of oppression stemming from slavery, economics, and modern agribusiness. They are currently in pre-production for a few projects. If you would like to following Jasmine on social media you can find her as @JasmineLeyva or @theinvisiblevegan you can also go to her website at www.jasmineleyva.com

This week on DisrupTV, we interviewed Steve Black, Co-founder and Chief Strategy Officer at Topia, Shazia Virji, VP of Credit Marketplace at Credit Sesame and Scott D. Anthony, Strategic Advisor & Managing Director of Innosight. DisrupTV is a weekly Web series with hosts R “Ray” Wang and Vala Afshar. The show airs live at 11:00 a.m. PT/ 2:00 p.m. ET every Friday. Brought to you by Constellation Executive Network: constellationr.com/CEN.

In 2020, I managed to pay off 70% of my debt after years of carrying it around. I was tired of getting declined for credit cards or event house repairs. I knew the time had come for me to put my "change" into the right pocket. Tune into my conversation with Matt Martinez, Financial Representative with North Western Mutual, to learn about common misconceptions around credit and debt. He will even discuss why websites such as Credit Karma,  Nerd Wallet and Credit Sesame show a different score than what your actual score might be. For more information on Matt  you can visit: http://matthewmartinez.nm.com/--- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/appSupport this podcast: https://anchor.fm/groovewpb/support

Miguel Armaza sits down with Andrew Lerner, Managing Partner of IA Capital Group, a New York-based private investment firm and manager of the Inter-Atlantic funds, that’s dedicated to partnering with innovative entrepreneurs in venture and growth capital across InsurTech and FinTech. Andy has been at the company since 1995 and is responsible for the day-to-day activities of IA Capital, and is a member of its investment committee. He holds a Bachelors in Electrical Engineering and Computer Science from Princeton University and an MBA from our amazing Wharton School We talked about - Andy’s background - What drove him to fintech VC in the mid-1990s - His take on the evolution of the fintech industry - The advantages of being in an industry with meaningful tail winds - Why he’s excited about InsurTech for the foreseeable future - Importance of Financial Empowerment, along with diversity and inclusion - Why he prefers backing young entrepreneurs and thinks experience is overrated - The effects of COVID on their portfolio - And much, much more! Andrew Lerner Andrew Lerner is Managing Partner of IA Capital Group, where he has been employed since 1995. Mr. Lerner is responsible for the day-to-day activities of IA Capital, and is a member of its investment committee. In 2000, he launched IA Capital's venture capital business which is now the firm’s core activity. Mr. Lerner was also President and Managing Director of Guggenheim Securities, LLC, IA Capital's former broker-dealer business, until 2003. Mr. Lerner is a Director of Homeowners of America, SMArtX, Crown Global Insurance Group, Credit Sesame, Wellthie, Boost, SmartAsset, Gainfully, and Matic. Mr. Lerner has over 25 years of experience in the financial services industry. Prior to joining IA Capital, he served as an investment banker in the Financial Institutions Group of Smith Barney Inc. for four years and in its Mortgage and Asset Finance Group for two years. Mr. Lerner holds a B.S.E. in Electrical Engineering and Computer Science from Princeton University and an M.B.A. in Finance from The Wharton School, University of Pennsylvania. He serves as a director of Transportation Alternatives. About IA Capital Group IA Capital is the longest-tenured independent venture capital firm focusing on insurtech. Based in New York City, IA Capital has a two-decade track record of successfully partnering with innovative early and growth stage companies in insurance and—more broadly—financial services. IA is currently investing in its sixth, seventh, and eighth venture capital funds and manages strategic venture capital programs for 15 insurers. Learn more at iacapgroup.com.

Checkers will soon start working with a new media AOR as they continue adjusting to the pandemic and begin offering some significant new menu items. https://edge.winmo.com/hubnews/articles/31973 Also, after going a year without one, Credit Sesame hires a new head of marketing as they make major acquisitions, with international ambitions. https://edge.winmo.com/hubnews/articles/31969

Jasmine is an artist in every sense of the word.  With a Bachelor of Arts in TV, Film and Media and a Master of Fine Arts in screenwriting, she worked as an associate producer on a NAACP winning docuseries entitled Unsung, and shortly after, was given the opportunity to write and produce on Being, a docuseries highlighting dynamic entertainers in film and music. She’s done court shows, casted for Food Network productions and made strides in front of the camera.She went on to star in commercials and print ads for major brands like Nissan, Sony, Apple, Uber, American Express, Diesel, BlackPeopleMeet, Credit Sesame, Michelle Watches, Elle magazine and more.  She also starred in the Lifetime show, My Crazy Ex, along with other TV projects.Jasmine and Kenny Leyva produced their own feature length documentary, The InvisibleVegan, a film that chronicles Jasmine’s personal experience with plant-based eating.  The film also explains how plant-based eating is directly linked to African roots and how African-American eating habits have been debased by a chain of oppression stemming from slavery, economics and modern agribusiness. They are currently in pre-production for a few projects.Jasmine and Carly talk about her career in film, how she became vegan, and how no matter how small the act we can all find a way to be activists. Resources/Links: Thanks for listening to another episode. Follow, review and share to help me grow!Connect on Instagram: https://www.instagram.com/consciously.carly/Connect on Facebook: https://www.facebook.com/consciously.carly.blogConnect on Pinterest: https://www.pinterest.com/carlyjean5/Explore the Website: https://www.consciouslycarly.com/Music by Matthew Baxley

Choncé Maddox joins us in this episode to discuss how consistency and good habits resulted in paying off over $50,000 of consumer debt. Choncé has been featured in Essence magazine, she is a Certified Financial Education Instructor (CFEI) and freelance writer who loves to talk about everything personal finance. Her writing has been featured on sites like Business Insider, LendingTree, Credit Sesame, Barclaycard and the New York Post. Choncé was named one of the top financial experts to follow on Instagram by Black Enterprise. Full show notes and resources can be found here: https://thestudentloanpodcast.com/episode6 Visit our podcast sponsor at StartNoo to learn how you can exchange service hours in the community for direct payments towards your student loans or tuition.

Welcome to the Tearsheet Podcast. I’m Zack Miller. When the pandemic hit, lending models didn’t catch up quickly enough. Machine learning, like the kind Zest AI has developed, moved quicker, helping lenders to figure out how quickly things were deteriorating and where. ML models also have been instrumental in identifying and avoiding biases in lending practices. Zest AI CEO Mike de Vere joins us on the podcast to discuss his firms go to market strategy and business model and how the two kind of fit nicely. Mike shares his views on how to bring technology to lending and specifically, de-biasing models to approve more minority borrowers. Mike de Vere is my guest today on the Tearsheet Podcast. Before we jump into our show, I wanted to tell you about Tearsheet’s upcoming Challengers Conference. A first of its kind show, this 2-day online conference is everything about digital banking. We’ll have senior executives from top challenger banks like N26, Revolut, OakNorth, and Betterment as well as new entrants to the digital banking market, like Intuit and Credit Sesame. It’s all happening September 22 and 24th. Go to Tearsheet.co and click on Conferences at the top to learn more.

Welcome to the Tearsheet Podcast. I’m Zack Miller. In March, Credit Sesame debuted its banking offering, Sesame Cash. Since then, more than 200,000 customers have signed up, with thousands of new accounts per day, putting Credit Sesame among the fastest growing digital banking service providers in the U.S. 62 percent of Credit Sesame’s 15 million registered users have expressed interest in Sesame Cash for better cash and credit management. Cash was launched in collaboration with Canadian banking provider Stack. and now, Credit Sesame is announcing it has acquired Stack and will use the technology and team to expand for the first time internationally. My guests today on the podcast are Adrian Nazari, CEO and founder of Credit Sesame, and Stack’s CEO Miro Pavletic, who will assume the new role of GM, Canadian and International Business for Credit Sesame.

In this episode of The Challengers, Josh Liggett and Zack Miller explore the pandemic's impact on incumbent banks as well as on challengers. Zack mentioned fears are high and that's creating rumors that certain challengers are failing. Josh believes it's a good time for incumbents to really get focused around digital. They have no other choice. Next, the hosts discuss OakNorth, which is still Europe's fastest growing startup. But growth of its loan book is slowing, whether by design or by market forces. The bank is profitable -- perhaps the only one of many challengers to reach this milestone. Square gets a license and Zack believes that we'll see Square move strongly into lending to merchants using its technology. Like PayPal, Amazon, and Shopify, this captured lending is powerful and makes a ton of sense from a service model perspective. It can also be quite lucrative. Credit Sesame, like Credit Karma a few months before it, is rolling out a banking product, Sesame Cash. PFMs want to own the money movement piece for their customers. Lastly, we mention Bill Harris' new firm, One, which just launched in private beta after a $17 million funding round. Harris was CEO at PayPal and Intuit, and founded Personal Capital before this. In perhaps the worst launch timing in history, One will use dashboards with consumer credit at its core to help middle Americans with their money. Before we jump into the podcast, I wanted to introduce you to Outlier, Tearsheet’s leading membership program. It’s designed for top fintech and financial service professionals to stay on top daily of the biggest trends, the top companies, and the leaders of this next generation of finance. Get industry briefings by experts like the ones we’re doing this January on best practices in PR and customer acquisition. Find out more at Tearsheet.co/outlier

Today, we’re thrilled to be joined by Adrian Nazari, founder and CEO of Credit Sesame. Credit Sesame is a free credit score monitoring and management service. Credit Sesame has 16 million registered users and has raised $120 million since its inception nearly ten years ago. In this conversation, Adrian and I discuss the company’s new banking offering and how it fits into the core business. We also discuss the competitive landscape in retail digital banking in the US and how Credit Sesame intends to differentiate. We also discuss the extremely pressing subject of supporting Americans living paycheck-to-paycheck is the midst of a global pandemic and recessionary fallout. Credit Sesame and other mass market fintechs have a tremendous opportunity to contribute in this time of social and personal distress. For all of our past episodes and to sign up to our newsletter, please visit bankingthefuture.com. Thank you very much for joining us today. Please welcome, Adrian Nazari.

Once you've secured the bag, you've got to do your homework on protecting the bag. This is relevant not only because I'm an entrepreneur who's in the digital space but because it's a general precaution to protect your finances and identity. So let me save you the headache of locking everything down and setting things up all over again by taking the precautions I'm going to share with you on this week's episode. Mentioned in this episode: Sign up for your free credit monitoring account at Credit Sesame: https://courtneylsanders.com/creditsesame Arnita Johnson-Hall's AMB Credit Repair https://ambcreditconsultants.com https://instagram.com/ambcredit *** Looking for a supportive community of women who are all about building a big yet balanced life? If so, join my free accountability group at: https://courtneylsanders.com Follow me on Instagram! https://www.instagram.com/courtneylsanders

In the fourth and last installment of the Financial Literacy Series, Miss Jaye breaks down the big "C" word- credit. She gives us tips, solutions, and resources to ensure we make the best credit decisions and shares about her own experience having to "rebound" from not-so-perfect credit.    Teachable Moment: This battle is the Lord's.    Homework: Use Credit Karma, Credit Sesame, or Discover Score Card to check your credit report and get a better understanding of what’s on it.  If you have a pretty decent understanding of what’s on your credit report, take some time to write down your credit goals and how you might be able increase your score, pay off debt, or take your financial literacy to the next level.    Tools/Resources: FREE Credit Monitoring Services  Credit Karma Credit Sesame Discover Scorecard    Show and Tell: Party with a Princess, LLC owned by host, Jaye Washington  

Despite small numbers (a Mobile DevMemo survey shows only 11% of teams have more than 10 people), UA teams are expected to achieve big wins for their app. To find out how you can get more out of your resources our host Peggy Anne Salz catches up with Derrick Nguyen, Sr. Marketing Manager at Credit Sesame, a fintech company allowing customers to access, understand, leverage, and protect their credit all under one platform. Derrick, a Mobile Hero recognized for his app marketing achievements, shares advice from his blog about how marketers can cultivate healthy skepticism that will ensure they get value for money from vendors and partners. Finally, he offers top tips for developing ad creatives that deepen consumer trust.

In this episode of the Millionaire Mindcast, we have Andy Hill who shares some awesome tips on how to quickly get out of debt, live life according to your terms, build money and wealth while creating epic relationships with your kids and spouse! Andy Hill is an entrepreneur, a personal finance influencer, an award-winning blogger, a podcaster, and the host of the Marriage, Kids and Money Podcast which focuses on helping young families build wealth and thrive. This 5-star rated podcast was nominated as “Best New Personal Finance Podcast” by Plutus. Outside of writing for his own weekly blog of the same name, he has been featured in Business Insider, MarketWatch, and NBC News. Trusted as a personal finance influencer by brands such as Quicken Loans, Tiller and Credit Sesame, Andy’s message of family financial empowerment has resonated with listeners, readers, and viewers across the US.  From a free and easy life to becoming a financial thinker. Andy made a transition when he realized that he will be a daddy soon. Thinking about what to do to protect his daughter and give her a great life, the couple decided to eliminate their debts as quickly as possible and focusing on the big why. They were being intentional with their money. They work with numbers, find ways to save more, and live for a while with 50% of their income. Along the way, they’ve learned a lot of their money languages, and techniques.  They’ve set a time to meet every month to look over with the numbers, review the expenses of the previous month, and plan. And later, he paid off $50,000 of debts in about 12 months, and $350,000 mortgage in less than 5 years. Having that accountability and clear visions helped them reach their goals while crafting a life that is more defined by family than obligations. The couple is working to avoid their marriage fall apart over finances. Andy gives importance to communication and continues to live a very nice happy life while utilizing that extra money to get their goals for tomorrow.    Focusing a lot of his time on creating the marriage that he really wants, the relationships that both he and his wife want. Trying to create the most epic relationships with his kids and spouse through spending quality time together while controlling his personal finances so that he can have the best family life.  Some Questions I Ask:   What is going on in your world right now when we’re talking about marriage, kids, and money? (01:30) How did you fall into this path that you’ve been on? (02:14) As you fall into this path, was that an intention from the start or was that something that started to evolve as you guys got deeper into these particular pillars? (04:02) What did that look like for you guys as you attack first the debts to live life according to your terms? (05:26) How do you allocate your money as it comes in? (09:06) Talk a little bit about that teamwork and partnership, what should people be communicating to their partner when it comes to finances and life goals? (11:58) What’s your thought on the decision-making process of a couple of having separate accounts or one joint account? (15:12) What does that budget party agenda look like? (17:33) What is your wealth plan look like and what are some of the people’s mistakes in growing the money strategically? (19:56) What’s your take on bad debt versus good debt? (23:02) How did you equip your kids with financial literacy? How you came about that plan and what it looks like?(24:46) What’s in your website marriagekidsandmoney.com and your playbook? (27:58) What are some of the common things that stood out to you from all the people that you’ve interviewed? (29:20) What are some of your goals look like and how are you planning on getting there? (30:26) If you were to leave somebody with one universal law when it comes to wealth building or unlocking more freedom in their life, what would you live them with? (31:36)   In This Episode, You Will Learn: The great way to live the life they want with no stress. (04:39) Andy’s ‘The budget party’. (08:08) The importance of dedicating the time to speak with your partner. (14:16) The quick and easy investment for busy people. (20:19) Quotes: “I have some extra responsibility.” “Continue to live a very nice happy life but then utilize that extra money to get our goals for tomorrow.“ “It takes a lot of teamwork to get there.” “Things might seem family-oriented but they are also very financially-oriented too.” “Look internally and decide what’s best for you.” “Enjoy yourself today because we don’t know what tomorrow is going to bring.” “We understand real estate does take some dedication.” Resources Mentioned: Mint Tiller Connect with Andy Hill on: Website Facebook Twitter Instagram YouTube Pinterest Marriage, Kids, and Money Podcast The Young Family Wealth Playbook

Credit Sesame, which raised $43 million last week, provides free credit scores and insights into how to improve those scores. The company also suggests loans and credit cards that could help. We interviewed Credit Sesame CEO Adrian Nazari for a story this week. This is an excerpt from that phone interview.

Credit scores play such an important part in the home buying process. It determines what you prequalify for, what kinds of loans you can get, and how much house you can afford. Listen to learn how to find yours for free. Freebie: Get your money right video series Level up: New Home Buyer’s Guide comprehensive ecourse Contributors to this episode include: Host - Jeremy Goodrich  Copy Editing - Talia Chakraborty If you enjoyed this episode, stick around: SUBSCRIBE on Apple Podcasts.  REVIEW the show and SHARE with friends. JOIN the New Home Buyers Guide course to own the home buying process and the home of your dreams. With a 100% money back guarantee, you’ve got nothing to lose and a sweet house to gain. Thanks for listening!  More great stories & information at: YouTube - Blog - Podcast Insta - Pinterest - Course Full Transcript: McKenzie Goodrich: This is The New Home Buyer's Guide podcast, brought to you by The New Home Buyer's Guide, a comprehensive online course that lays out the nine steps to finding and buying your dream home. Get it now at NewHomeBuyersGuide.net.   Jeremy Goodrich: Hey there, home buyers, it's Jeremy, that guy that bought his first home with no information, nothing done right, but you are not going to be that person. You are going to be better because you're listening to this podcast. You're downloading maybe some of the checklists and different resources we've created. You're hiring the right realtors. You're finding the right lenders. You're making sure that your down payment is starting to be saved for. On this episode, we're really going to dig into the other thing you need to do before you start the process of buying a home, and that is addressing your credit score. Your credit score is one of the key players in this process. Really the first thing you need to get right before doing anything else. It's like building a house. When you build a house, you set the foundation. The thing that everything else sits on, and if you don't have the foundation right, then the rest of the house obviously is not going to be doing good things when it's sitting on top of a bad foundation. The foundation of the home buying process is your credit score. The financial score that is based on your financial behavior over the course of like, I don't know forever basically, and we'll dig into it. So, this episode deals with how to find your credit score. I want you to know that in the show notes page, and you can find the show notes page by going to NewHomeBuyersGuide.net-episode6. In the show notes page, we have an infographic that we refer to throughout this conversation, and that infographic is really going to help you find your credit score. Just to give you a little forward thought, our next episode is going to be how to fix your credit score. So, after you found your credit score, let's say it's not very good, or you have a problem. Then there are ways that you can fix your credit score, and the next episode is going to go into that. So this episode is all about how to find your credit score. The next episode is all about how to fix your credit score. When we're done, hopefully you'll know that you have an awesome credit score that's going to make the whole rest of the process that much more smooth, and if you don't, it's totally okay. You'll know how to address it and how to fix it, so that can make the process even better. All right. Let's do it. (music) Credit is a key factor in the home buying process, really the first factor. So whether you're just thinking about buying a home, and you may not even want to make any moves for the next year or so, this is still something that's incredibly important for you right now, to understand your consumer credit. That credit score that you get based on your financial behavior in the world and how it can affect your borrowing process, the mortgage process, and ultimately getting the home of your dreams. And it all really starts right here with figuring out what your credit is. I laid out a couple of infographics. As I mentioned, you can get that infographic at NewHomeBuyersGuide.net/episode6, and it really just shows you two different steps you're going to need to do. The first one is to get your score. The second one is to understand what that score means. Now, you can go out on the web and get your credit score in all sorts of different ways, but here's the important thing to understand. Your credit score is based on an annual credit report. We'll get into the credit report a little bit more when we talk about fixing your credit score, but it's based on an annual credit report that uses money you borrow, if you're behind on any payments, any of that kind of stuff. It creates a score for you, a financial score of how you handle your finances. We can go out and get that by paying money from the three different sources, the Equifax, Experian, and TransUnion. There's lots of places online where you can pay money or pay a subscription and they'll tell you your score updated every month even. They send you an email and just tell you what your scores are, so you can really really keep track. And if you want to do that, that's great, but it costs money, and there is a way to do this. It's not the perfect way, but there's a way to do this without paying any money at all. So, I found two sites, FreeCreditScore.com and then CreditSesame.com. Each of these draws for free one of your three scores. Free Credit Score draws from Experian, and Credit Sesame draws from TransUnion. So, you can go ahead and get those credit scores for free. Now they want you to sign up for their monthly. They're going to try and sell you stuff in there, and try and sign you up for their newsletter, and all that kind of stuff, but you can work around that. So, let's start with FreeCreditScore.com. I'm actually going to log into FreeCreditScore.com right now and I'm going to visually go through the process and describe that to you. Obviously this is a podcast, so you won't be seeing that, but if you do jump into that space and walk through it, you should see basically the same process that I'm going through. So, let's dig into it. I'm at FreeCreditScore.com and we're going to go in here and get your Experian credit report completely free. So, it's not giving you all three of your credit numbers, but it will give you one of them. You go through the process. Now I'm not going to go through it in detail, but you're going to put your name in, your last name, your email address. I would suggest un-clicking send me all this credit information. This is just trying to sign you up for special offers and things of that nature. So, un-click that. Put your current street address, all that kind of information asking why you're checking your credit, and submit and continue. After this screen, they're going to ask you your social security number. They're going to ask you some other identifying pieces of information. That's going to ultimately get you to a screen that pops up a number. It'll give you that number, the single Experian, in this case, credit score, and while it isn't perfect, it isn't all three of your credit scores which combine to make your whole credit outlook, one score is going to give you really a pretty decent sense of what your credit situation is. So, going to FreeCreditScore.com and filling out your information, getting that one Experian credit score is step one. The CreditSesame.com, again basically the same process you're going to go through here. They're going to want your email address, some of your information. You're going to create a little password. If you have check boxes to not get their newsletter, go ahead and do that. While they're trying to sell you something on the back end, they will give you a free credit score without having to buy anything at all. With Credit Sesame, it's the TransUnion credit score. So by getting both of those, you're going to have a sense of what your credit score is. What does that mean? Well, you know what you can do is look at the bottom of the infographic at NewHomeBuyersGuide.net/episode6, and I created a little layout. Again, it's very basic information, but something to get you started about exactly what your credit score means associated with getting a mortgage. Again, what's our goal here? Our goal is to get pre-approved for a mortgage that ultimately will help us to purchase a home. If we're not pre-approved for a mortgage, we cannot purchase a home, and unless you've got hundreds of thousands of dollars sitting around, you've got to get the mortgage. And to get the mortgage, your credit score is going to be involved. So, let's look at the options. We've got a 740 or above. In general, if you have a higher than a 740 credit score, you're going to get the best mortgage options at the best interest rates. If you're 740 or above, hooray. You are in good shape. You've got great credit and you're ready to get pre-approved for a mortgage. If you're 640 to 739, this isn't terrible. That's okay. A lot of people are there. What that means basically is that if you go to apply for a mortgage right now, you may not get the best rates out there. Mortgages, different kinds of mortgage products or different kinds of loans use your credit to decide whether you qualify for those loans. If you have under 740, you may not qualify for some of the best ones. But at 640 to 739, you're still going to qualify for solid standard loans with decent interest rates. Again, you'll need to talk to mortgage lenders to find out more details about that, but you should be okay. You know, at 640 to 739, if you're not in a rush, you still may want to try and fix your credit, and you certainly want to at least listen to the next episode of this podcast where we talk about how to fix your credit, because I give you some information over there that could fix your credit really quickly. If you're at 710 and you go to fix your credit and you find some things to fix and end up with 750, well that's awesome. Now you've crossed the line of 740 and you're in the best category. So, 640 to 739, not too much to worry about, but you may not get the best options. Finally, 639 or below, this is the credit place where, can you get a mortgage? Yeah, you may be able to get a mortgage and you may be able to find the right mortgage for you. It may work out perfectly. There's plenty of people with lower credit scores who still go out and find mortgages and purchase new homes. So, don't take away that it's impossible, but definitely take away from this video that your credit is something to look at, is something to analyze, is something to potentially fix, spend a little time making better, so that you end up in a better financial position when you go to get pre-approved for a loan. So, 639 or below, definitely want to see how you can potentially fix your credit maybe quickly or maybe over the course of six months to a year, and put yourself in a better financial position for when you actually do go out and get pre-approved for a mortgage. All right, so there it is. Episode six, how to find your credit score. It's a workaround, the free way. You can certainly pay to find your credit score in ways that maybe are a little bit easier, but certainly aren't free, so we showed you a free way to do that. In episode seven, we will talk about how to fix your credit. So, if you found your credit is under that 740 mark, it's definitely a good idea to check out episode seven. Now some action steps. First, head over the Instagram and follow us at New Home Buyers Guide. We put lots of stuff up there, great posts, great information. Just trying to create a community in that space. If you want to go to the posts with the red house on the hill, that's our logo, and you can share your questions, your comments, give us some love, give us some hate, whatever. Do that in the comments section. We want to hear from you. We want to know what you learned and maybe what you want to learn in the future that we didn't hit on today. One more thing, home buying is tricky. The process has clear winners and losers. You know that because I was a loser the first time I bought a home. Home buyers remorse is real. Sometimes you just truly get it wrong. So, you need to know if you've got your financial ducks in a row and to understand the timeline that you're going to go through to anticipate the hidden costs and all the steps along the way. How are you supposed to do that when you've never done this before? We totally get it. Well, easy. You're going to go to the NewHomeBuyersGuide.net. That is NewHomeBuyersGuide.net, and sign up for our e-course. You'll get walked through the process step-by-step. Think timelines, checklists, videos, expert interviews, and more. It's like this podcast, but totally beefed up and ready to walk you step-by-step through the process. Remember, you're about to make one of the biggest purchases of your life. Do yourself a favor that'll last maybe the next 30 years and head over to NewHomeBuyersGuide.net. All right. Until the next time, happy home buying. (music)

Financial Health & Inclusion - Credit Sesame Opening Remarks   Jesse Levy, Credit Sesame

Andy Hill shares his young family's motivations and successes working toward financial independence. They paid off $50k debt in 12 months, they paid off their mortgage in four years, and they continue to save for future financial goals. Guest Biography Andy Hill is the host of the Marriage, Kids and Money Podcast which focuses on helping young families build wealth. Outside of writing for his own weekly blog of the same name, his personal finance focused articles have been featured in STAND Magazine, Business Insider, NerdWallet and Rockstar Finance. Trusted as a personal finance influencer by brands such as Quicken Loans, Tomorrow and Credit Sesame, Andy’s message of family financial empowerment has resonated with listeners, readers and viewers across the US. When he’s not “talking money,” Andy enjoys wrestling with his two kids and singing 80’s karaoke with his wife, Nicole. Show notes: http://www.inspiredmoney.fm/083 In this episode, you will learn: Achieving financial freedom as a team requires with good communication with your spouse. (Andy's monthly budgeting parties.) Living debt free means less stress and worry. Tips for teaching young kids about money and saving for college. Find more from our guest: MarriageKidsandMoney.com Marriage, KIds and Money Podcast Facebook Twitter Instagram Mentioned in this episode: Young Family Wealth Playbook: 7 Steps to Solidifying Your Family’s Future Wealth IM 075: Working Together to Pay Off Their Mortgage 25 Years Early | Talaat McNeely Runnymede Money Tip of the Week: Of the hundreds of items we spend our money on throughout the year, three things account for about 70% of our annual spending. A quick, simple tip that can reduce two of the three big expenses. Thanks for Listening! To share your thoughts: Leave a note in the comment section below. Share this show on Twitter or Facebook. Join us at the Inspired Money Makers groups at facebook and LinkedIn To help out the show: Leave an honest review on Apple Podcasts. Your ratings and reviews really help, and I read each one. Email me your address, and I'll mail you an autographed copy of Kimo West and Ken Emerson's CD, Slackers in Paradise. Subscribe on Apple Podcasts. Special thanks to Jim Kimo West for the music.

We were SO excited to have the opportunity to speak with Andy Hill this year at Fin Con! Who is Andy? Andy is the host of the Marriage, Kids and Money Podcast which focuses on helping young families build wealth. The podcast was nominated as "Best New Personal Finance Podcast" by Plutus in 2017. Outside of writing for his own weekly blog of the same name, his personal finance focused articles have been featured in STAND Magazine, Business Insider, NerdWallet and Rockstar Finance. Trusted as a personal finance influencer by brands such as Quicken Loans, Tomorrow and Credit Sesame, Andy’s message of family financial empowerment has resonated with listeners, readers and viewers across the US. When he's not "talking money", Andy enjoys wrestling with his two kids and singing 80’s karaoke with his wife. MORTGAGE FREEDOM What would you do if you were mortgage free?  Well, it was cause for celebration for Andy and his wife!  They made a list of several fun things to celebrate this HUGE accomplishment.  On our website, we have linked one of their videos of the “mortgage free” Pinata. Go check it out.  WHEN MISUNDERSTANDINGS ABOUT MONEY CREATE CONFLICTS IN THE MARRIAGE What happens when you and your spouse are not on the same page about finances?  We have all heard the statistics about money troubles and divorce. One of the more courageous things Andy and his wife have done was to be transparent about their decision to go to couples counseling to address the difficulties they were having AFTER becoming mortgage free.  It is a wonderful candid episode. You can listen to it here. MONEY LESSONS FOR KIDS One of the really great lessons Andy and his wife have been emphasizing is “contribution to the household.”  Andy has found the best way to get his daughter more involved is to do chores with her. This sometimes means putting on the Greatest Showman soundtrack and doing dishes side-by-side.  Not only is his daughter getting valuable time with her dad, but she is learning that work is rewarded by income. FINAL CLOSEOUT QUESTIONS: Money Lessons from Childhood - It is important to create goals but don’t forget they require action.   Money Lessons for Our Children - DREAM BIG. Do it early and consistently. You can find Andy at marriagekidsandmoney.com GET ANDY’S  FREE BOOK: The Young Family Wealth Playbook  In it Andy interviews over 100 self-made millionaires, successful entrepreneurs and personal finance experts.  Learn how they did it!   Mentioned on this Episode: Total Money Makeover by Dave Ramsey   FIRE podcasts: Rockstar Finance - with Scott Allen Turner Choose FI - with Jonathan Mendonsa and Brad Barrett

There are SO MANY places that you can get credit monitoring. PrivacyGuard, Credit Karma, Credit Sesame, AHHHHHH...what do I choose? Only choose the BEST... Listen as The Referral Kings discuss the ONLY place you should be getting your credit monitored on this "Wealth Wednesday" episode of The Insurance Zone! Connect with us on: TheReferralkings.com facebook.com/THEREFERRALKINGS Join our new Facebook Group https://www.facebook.com/groups/insurancezone Steve: https://www.linkedin.com/in/stevegoodallconsulting/ Chris: https://www.linkedin.com/in/chrisburkettwa/ ATTENTION AGENTS: Want to get out of debt fast? We will show you for free, a free personalized consultation with our resident expert Chris Burkett Go here now and book a time that works for you. https://agencyelite.youcanbook.me

Raj discusses how his recruiting team functions as a business within a business, as well as how he calculates confidence indices on employees they've hired to improve the interview process and recalibrate internal ideas about what makes a great candidate.

Andy Hill shares how he got his pay bumped in three different ways...and how to keep that money from flowing out.   You'll Learn: How to figure out when you should change companies Tips to boost the trait that helps you get a pay bump The best mental trick for saving money   About Andy: Andy Hill is award-winning corporate event marketing professional that has managed programs for luxury brands such as Gulfstream, Bentley and Audi of America. During his 15-year career, he's grown from entry level to Director level by exceeding his client's and his management's expectations each year.  Andy also hosts a podcast called Marriage, Kids and Money that helps young families grow their wealth. The podcast was nominated by Plutus as "Best New Personal Finance Podcast" in 2017. He has partnered with brands such as Quicken Loans, Credit Sesame and Tomorrow to spread a message of financial wellness and security.  His podcast and blog can be found at MarriageKidsandMoney.com and you can connect with Andy professionally on LinkedIn at https://www.linkedin.com/in/andrewrussellhill     View transcript, show notes, and links at http://AwesomeAtYourJob.com/ep363

On this episode of The His and Her Money Show, we introduce you to Elizabeth Thames, one of the most frugal ladies you will ever meet and let her tell you her story about how she and her husband managed to retire at 34 years old with two kids under five. It seems impossible, but she did it and she is here to tell us all about it. What You Will Learn In This Episode You will learn practical tips for diversifying your investments Budgeting tips for saving over half of your disposable income How monetizing your passions can be the key to financial freedom The Two-Part Plan to financial success Resources Mentioned In This Episode Meet the Frugalwoods: Achieving Financial Independence Through Simple Living by Elizabeth Thames Your Money or Your Life by Vicki Robin The Simple Path to Wealth by JL Collins Broke Millennial by Erin Lowry Mad Fientist Mr. Money Mustache Thank You For Listening! Today’s episode is brought to you by our friends at Credit Sesame. Credit is one of the most important things you’ll ever need throughout your entire life for student, car, home, and personal loans, etc. Credit Sesame gives you a free credit score, and so much more. They also provide free personalized finance tips and tools updated every month. Once you sign up for a Credit Sesame membership, you will get free identity theft for up to $50,000. It is an absolutely free product and they do not require a credit card. They will open the door to your financial future. Thanks for tuning into us on The His & Her Money Show. If you have any comments or questions about today’s episode, please let us know your thoughts in the comment section below. If you’ve enjoyed this episode, please share it using the social media buttons you see at the bottom of the post. Also, please leave an honest review for The His & Her Money Show on iTunes! Ratings and reviews are extremely helpful and greatly appreciated! They do matter in the rankings of the show, and we do read each and every one of them.

Fix Your Credit to Free Yourself From a Toxic Relationship. Sign up for your free credit score with Credit Sesame here → https://bit.ly/2JVCEvp FTC: This video is sponsored by Credit Sesame. Discover. Understand. Overcome. It's how smart people change their lives! Subscribe to my channel: https://www.youtube.com/user/AuthorAngelaAtkinson?sub_confirmation=1 *****Closed captioning provided by Athena Moberg and CPTSDFoundation.org, providing Daily Recovery Support™ to survivors and practitioners through trauma-informed education, resources, and daily calls, led with compassion that can only come from those who have experienced first hand how trauma can poison every aspect of your life and health. ******* On this channel, I offer free daily video coaching to help you discover, understand and overcome narcissistic abuse in toxic relationships! I like to call it toxic relationship rehab. If that sounds good to you, hit that subscribe button. **LIVE EVERY MONDAY THROUGH FRIDAY! Never miss a live session! Just text "AngieLive" (no spaces) to 33222 and I'll send you a text each time I get ready to go live! If you enjoyed this video, please subscribe to my channel! https://www.youtube.com/user/AuthorAngelaAtkinson?sub_confirmation=1 Schedule a coaching appointment with me at http://narcissisticabuserecovery.online Learn more at http://queenbeeing.com. Get my books at http://booksangiewrote.com, schedule a coaching appointment and/or pick up your free 5-day fear-busting email course (specially designed for narcissistic abuse survivors) at http://narcissismsupportcoach.com. Join SPAN (Support for People Affected by Narcissistic abuse in toxic relationships) - AKA "The SPANily" - at http://queenbeeing.com/span. Let's Also Connect On: Facebook at https://facebook.com/coachangieatkinson. Instagram: https://www.instagram.com/coachangieatkinson/ Pinterest: https://www.pinterest.com/angyatkinson/ Twitter: https://twitter.com/angieatkinsonSubscribe to Narcissistic Abuse Recovery with Angie Atkinson on Soundwise

Joseph Liu gives practical tips and guidelines for career transitioning, dealing with counteroffers, and avoiding burning professional bridges.   You'll Learn: Key indicators that it’s time to resign. Why it matters to resign well Numerous reasons why NOT to accept a counteroffer   About Joseph: Joseph Liu is a career change consultant, certified coach, and host of the Career Relaunch podcast, featured as a top business podcast for entrepreneurs in Forbes, the “best podcast for transitioning to a new career” in Glassdoor, and a top podcast to "help you find a job” in Business Insider. The podcast has listeners in over 100 countries and has received unanimous 5-star ratings, and has ranked as a Top 30 career podcast in the US & UK on Apple Podcasts. Tapping into my 10 years’ international corporate branding experience at Fortune 500 companies like Clorox & General Mills, Joseph now coaches professionals to change careers and relaunch their personal brands. He’s served as a speaker for various conferences and organisations including TEDx, MarketingWeek Live, London Business School, Cambridge Business School, Oxford Business School, and General Assembly. Joseph has also been featured in publications like Forbes, HuffPost, Fast Company, The Muse, Monster, SUCCESS Magazine, Credit Sesame, CEO Blog Nation, and Career Builder.   View transcript, show notes, and links at http://AwesomeAtYourJob.com/ep304

On today’s episode of The His & Her Money Show, another amazing and insightful conversation is shared as we have the CEO and Co-Founder of Trim, Thomas Smyth, here to give us helpful tips and share his expertise on how to cut your expenses and save more money! Thomas describes how Trim helps folks improve their savings rate and the amount of money on their pockets, and why according to statistics, 57% households have less than a thousand dollars saved. He emphasizes that financial education and choosing the right options are the keys to financial health. You can start by getting good habits, starting with small stuff and doing away with some things you don’t really need. There are tons of opportunities out there to save more. He explains two types of savings, the hard and easy one; how Trim negotiates bills; ways to get you to save your money here and there on some of your bills that will benefit you as you work hard to get your money moving it in the right direction! WHAT YOU WILL LEARN IN THIS EPISODE Why you need to take savings seriously Some fantastic ways to save your money Which area you should focus on to hit your savings goal How Trim will help you save $10- $15 a month on your subscription bills Why it is important to track each dollar How Trim protects Amazon purchases How Trim’s security works for consumers RESOURCES  asktrim.com Thank You For Listening! Today’s episode is sponsored by our friends at Credit Sesame. Credit is one of the most important things you’ll ever need throughout your entire life for student, car, home and personal loans, etc. Credit Sesame gives you a free credit score, and so much more. They also provide free personalized finance tips and tools updated every month. Once you sign up for a Credit Sesame membership, you will get free identity theft for up to $50,000. It is an absolutely free product and they do not require a credit card. They will open the door to your financial future. Thanks for tuning into us on The His & Her Money Show. If you have any comments or questions about today’s episode, please let us know your thoughts in the comment section below. If you’ve enjoyed this episode, please share it using the social media buttons you see at the bottom of the post. Also, please leave an honest review for The His & Her Money Show on iTunes! Ratings and reviews are extremely helpful and greatly appreciated! They do matter in the rankings of the show, and we do read each and every one of them.

On today's episode of The His & Her Money Show, we've brought in Gwen from Fiery Millennials! Gwen is an IT professional, co-host of Fire Drill podcast, and a superstar saver who's passionate about spreading the word on and reaching her own ultimate goal: financial independence! By the time Gwen was 25, she'd saved up six figures - her story is inspiring and we can't wait for you to learn how she did it!     WHAT YOU WILL LEARN IN THIS EPISODE The benefits of living below your means What is financial independence, and how to attain it The biggest financial independence "killers" Good debt vs. bad debt RESOURCES Fire Drill Podcast Financial 180 Mint App Personal Capital JLCollins.com The Simple Path to Wealth by J L Collins Set For Life: Dominate Life, Money, and the American Dream by Scott Trench Your Money Or Your Life by Vicki Robin MrMoneyMustache.com  MadFientist.com Thank You For Listening! Thanks for tuning into us on The His & Her Money Show. If you have any comments or questions about today’s episode, please let us know your thoughts in the comment section below. If you’ve enjoyed this episode, please share it using the social media buttons you see at the bottom of the post. Also, please leave an honest review for The His & Her Money Show on iTunes! Ratings and reviews are extremely helpful and greatly appreciated! They do matter in the rankings of the show, and we do read each and every one of them. Today’s episode is sponsored by our friends at Credit Sesame. Credit is one of the most important things you’ll ever need throughout your entire life for student, car, home, and personal loans, etc. Credit Sesame gives you a free credit score, and so much more. They also provide free personalized finance tips and tools updated every month. Once you sign up for a Credit Sesame membership, you will get free identity theft for up to $50,000. It is an absolutely free product and they do not require a credit card. They will open the door to your financial future.

Shane Mason, CPA/PFS, CPF, is a New York-based accountant, financial planner, and all-around tax wizard that joins the show this week to discuss the one topic that has many Americans baffled: taxes. He specializes in accounting, tax preparation and financial planning services for small and medium business owners, creatives, tech professionals, expatriates and foreign nationals living in the US. Shane and I crossed paths during my search for the assistance of a new tax professional and we are delighted to have his expertise on the show to unravel tax law and what it means for everyone on the journey to Financial Independence. In this episode, we talk about: Why we have to pay taxes Why you should consider hiring a tax professional How tax refunds work Why a large tax refund isn’t necessarily a great thing Common mistakes made when filing taxes Amending a tax return Determining the right investment account for your income Factors to consider when determining where to invest first The new tax law changes and how they affect you At the end of the podcast, I also talk about the waitlist to the soft launch of my monthly membership program. Get monthly tips, tools, and classes to help you launch to Financial Freedom. Click here to sign up and be the first to be notified when the doors open in Summer/Fall 2018. (YNAB, my favorite budgeting app is giving Journeyers a 2-month free trial, no credit card required to try their amazing budgeting system, check it out here!) Other related blog posts/links mentioned in this episode: 3 Questions To Ask Before Spending Your Tax Refund Why You Shouldn't Want A Tax Refund IRS Withholding Calculator Sign up for Credit Sesame using my affiliate link and get your free credit report and other resources to help you monitor and improve your credit How We Saved $169,000 in 2 Years With the Help of This Budgeting System Join The Weekly Newsletter List Leave me a voicemail– Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! Watch me on News12  Watch my latest segments on News12 My One on One Money Coaching Services – Get my personalized 1on1 money coaching expertise to help you reach your financial goals YNAB –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 2 month trial of YNAB, my go-to budgeting app by using my referral link. Connect with Shane on: ShaneMasonCpa.com Connect with me: Journey To Launch Instagram Journey To Launch Twitter Journey To Launch Facebook Page Join the private Facebook Group

When it comes to building wealth, credit can be a key component in helping you to achieve your financial goals. Credit expert, Shante Harris, joins us on the show to talk about everything from credit scores, credit reporting, and even credit card utilization. A Maryland native, Shante shares an incredible story of triumph in which she survived cancer, becoming a mother of a child with autism, divorce and even homelessness. Throughout her times of adversity, Shante gained the experience of bouncing back from credit card debt and becoming an expert in transforming not-so-perfect credit. Today, she leads a Facebook group of more than 58,000 members where she shares her expertise and inspires others to work toward their credit goals. She is also the founder of the non-profit organization, F.A.C.E. (Facing Autism with Children Everywhere).  Sign up for Credit Sesame using my affiliate link and get your free credit report and other resources to help you with your credit.  In this episode, we talk about: Why credit is important How credit works The 5 components of a credit score The importance of the average age of accounts How travel hacking can affect your score Vantage scores vs. FICO How student loans affect your credit How employers check credit scores and other financial information Tips for paying off your credit card balance At the end of the podcast, I announced the waitlist to the soft launch of my monthly membership program. Get monthly tips, tools, and classes to help you launch to Financial Freedom. Click here to sign up and be the first to be notified when the doors open in Summer/Fall 2018. (YNAB, my favorite budgeting app is giving Journeyers a 2-month free trial, no credit card required to try their amazing budgeting system, check it out here!) Other related blog posts/links mentioned in this episode: Your Financial Common Cents Facebook Group Annualcreditreport.com Sign up for Credit Sesame using my affiliate link and get your free credit report and other resources to help you with your credit How We Saved $169,000 in 2 Years With the Help of This Budgeting System Join The Weekly Newsletter List Leave me a voicemail– Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! Watch me on News12  Watch my latest segments on News12 My One on One Money Coaching Services – Get my personalized 1on1 money coaching expertise to help you reach your financial goals YNAB –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 2 month trial of YNAB, my go-to budgeting app by using my referral link. Connect with Shante on: Facebook Instagram Financial Common Sense shante@yourfinancialcommoncents.org Connect with me: Journey To Launch Instagram Journey To Launch Twitter Journey To Launch Facebook Page Join the private Facebook Group

You heard it here: Dave Ramsey is wrong and your credit score is way more important than you think! In this episode we cover what is a credit score, why you need good credit, and then specifically we discuss how to improve your credit score. There are some key factors that you need to know since they make up your credit score. The 5 factors that make up your credit score: Payment history, 35%Credit utilization or amount owed, 30%Length of credit history, 15%Credit mix, 10%New credit, 10% And some good sites where you can check your credit score for free are Credit Sesame and Credit Karma. Most credit cards are also offering a free credit score, but Joel and I are both fans of Discover's Credit Scorecard. And at the beginning of this episode we both opened a bottle of Oak-Aged Vanilla World Wide Stout by Dogfish Head, which you can find and learn all about on Untappd. If you enjoyed this episode, be sure to subscribe and review us in iTunes, Stitcher, or wherever you get your podcasts! For specific links and additional information about this episode, head over to our site: HowToMoney.com . Best friends out! Learn more about your ad-choices at https://news.iheart.com/podcast-advertisers

Foxconn struggles to keep up with Apple demand, iOS 6.0.1 released. Apps reviewed: Credit Sesame, SmartMoney: Retirement Planner, Stock Wars, ING Direct, World Tax Calculator, Morningstar.