Podcasts about personal loans

In this exciting episode of Tickers, Thaon Simms and Matthew Preston dive deep into DOLLA Financials' latest developments, including the potential spin-off of its subsidiary, Ultra Financial, and the company's aggressive growth plans. Learn about the microlending strategies fueling DOLLA's rise and what investors can expect from this dynamic company. Could Ultra's spin-off be the next big IPO? Tune in to find out how DOLLA Financial is changing the game in the Jamaican financial landscape!

Send us a textThis show was recorded on October 1.The first guest you hear is Greg Mitchell, CEO of First Tech Federal Credit Union, and you know what had happened on September 30.Just the day before this show First Tech and DCU had announced a merger of giants.  And yet here was Mitchell on a podcast with Splash Financial CEO Steven Muszynski.Right there that tells you a lot about both Mitchell and Splash Financial.You might wonder why I didn't ask Mitchell about the merger. Simple: he had agreed to do this show a month ago and that was predicated on him talking about First Tech and how it benefits from its partnership with Splash Financial.He had not agreed to lift the kimono about this huge credit union merger.About two thirds into the show I told him to beat it, not because I didn't value his commentary but because I knew he had a lot of balls in the air that day and I didn't want to take up more of his time than necessary.But keep listening because Muszynski muses on why the company is in Cleveland - Cleveland! - and what his exit strategy is.  His insights on building a successful fintech startup are gold for any who want to do similar.Listen up.Like what you are hearing? Find out how you can help sponsor this podcast here. Very affordable sponsorship packages are available. Email rjmcgarvey@gmail.com  And like this podcast on whatever service you use to stream it. That matters.  Find out more about CU2.0 and the digital transformation of credit unions here. It's a journey every credit union needs to take. Pronto

Katie is putting her foot down to her kids borrowing money before they've made it. Welcome to the real world guys!See omnystudio.com/listener for privacy information.

Send us a textThe Fed just cut its interest rate by half a point and Happy Money CEO Ben Potere is on the show to tell what a credit union needs to do to optimize its performance in an environment of lower interest rates - and those  cuts will impact everything from home mortgages to car loans to the personal loans that are Happy Money's mainstay. The show starts on a different topic however.  The question is why did you join Happy Money - Potere is just three weeks on the job when this show was recorded.His answer is rich, detailed.And at bottom he simply is very confident that more credit unions will want to become Happy Money  customers because Happy Money delivers a new member, with good credit, who typically wants to refinance credit card debt at a better rate and Happy Money's credit unions can deliver on that promise.Happy Money credit union partners include First Tech, Alliant, Teachers Federal Credit Union and more. But Happy Money definitely wants more credit unions.Listen up.Like what you are hearing? Find out how you can help sponsor this podcast here. Very affordable sponsorship packages are available. Email rjmcgarvey@gmail.com  And like this podcast on whatever service you use to stream it. That matters.  Find out more about CU2.0 and the digital transformation of credit unions here. It's a journey every credit union needs to take. Pronto

Business and Personal Loans by Ballah Loans with Levar Gurrant Peter Mingils on Building Fortunes Radio.  Apply at Ballah Loans for reliable Business Funding and Small Business Loans! Go to https://ballah.loans  On this Building Fortunes Radio show, Peter Mingils and Ballah Loans Owner Levar Gurrant and Peter Mingils talk about how Ballah Loans can help you grow, shape and fund your business. It's easy to apply at Ballah Loans. To hear more, listen to Levar Gurrant on Building Fortunes Radio: https://www.buildingfortunesradio.com/ballah-loans/  Catch the Ball ah Loans Music on: https://peter.news/2024/07/08/ballah-loans-music-for-business-loans/  And see how many customers are checking Ballah Loans out on Youmongus Ads: https://www.youmongusads.com/jobs/financial/ballah-loans-applications-for-business-loans-and-financing-2634.htm 

074: “Rich Bitch, Poor Bitch” - Revolutionizing Loans and Credit Debt

Ballah Loans for Business and Personal Loans by Levar Gurrant and Peter Mingils on Building Fortunes Radio.  Apply at Ballah Loans for reliable Business Funding and Small Business Loans! Go to https://ballah.loans  On this Building Fortunes Radio show, Peter Mingils and Ballah Loans Owner Levar Gurrant and Peter Mingils talk about how Ballah Loans can help you grow, shape and fund your business. It's easy to apply at Ballah Loans. To hear more, listen to Levar Gurrant on Building Fortunes Radio: https://www.buildingfortunesradio.com/ballah-loans/  Catch the Ball ah Loans Music on: https://peter.news/2024/07/08/ballah-loans-music-for-business-loans/  And see how many customers are checking Ballah Loans out on Youmongus Ads: https://www.youmongusads.com/jobs/financial/ballah-loans-applications-for-business-loans-and-financing-2634.htm 

In this episode of The Founder Hour, we have an insightful conversation with Max Levchin, a true trailblazer in the tech world. Max's journey began in Ukraine, where he grew up in a family of scientists who instilled in him a deep respect for knowledge and discovery. After his family relocated to Crimea to escape the fallout from the Chernobyl disaster, Max discovered his passion for programming at a young age. With no computer at his disposal, he began teaching himself to code by writing programs on paper.In 1991, Max's family moved to the U.S., settling in Chicago. It was here that he found his footing at the University of Illinois Urbana-Champaign, a pivotal moment that set the stage for his future success. Immersed in the early internet scene, Max's path eventually led him to Silicon Valley, where a chance meeting with Peter Thiel at Stanford's lecture halls sparked the creation of what would become PayPal. Initially conceived as a secure way to store and transfer encrypted data, PayPal evolved into a groundbreaking online payment system that transformed the way we conduct financial transactions.Max takes us through the early days of PayPal, sharing stories of tackling complex challenges like document encryption and fraud prevention. But his entrepreneurial journey didn't stop there. He went on to found Slide, and later Affirm, a company dedicated to providing honest financial products that align with consumers' best interests. Throughout the conversation, Max discusses his guiding philosophy of HVF—hard, valuable, and fun—and how it shapes his approach to building companies that aim to make a positive impact on the world.We also explore Max's thoughts on the future of technology, exploring AI's potential, the evolving landscape of fintech, and the importance of aligning financial interests with customers. Tune in to uncover the story of an engineer at heart, a visionary leader, and a man who continues to shape the future of finance and technology.***CHA-CHING! Customers are rushing to your store. Do you have a point-of-sale system you can trust or is it (ahem) a real P.O.S.? You need Shopify for retail.Shopify POS is your command center for your retail store. From accepting payments to managing inventory, Shopify has EVERYTHING you need to sell in person. Get hardware that fits your business. Take payments by smartphone, transform your tablet into a point-of-sale system, or use Shopify's POS Go mobile device for a battle-tested solution.Plus, Shopify's award-winning help is there to support your success every step of the way.Do retail right with Shopify. Sign up for a one-dollar-per-month trial period at www.shopify.com/founderhour. Once again, go to www.shopify.com/founderhour to take your retail business to the next level today.***It's 2024 - are you still using your personal phone number for your startup?One of the most common founder mistakes we see is using your personal phone for business. OpenPhone makes it super easy to get business phone numbers for your team. It works through a beautiful app on your phone or computer, and integrates with CRMs like HubSpot and Salesforce.Here's a feature we love: With OpenPhone's AI-powered call transcripts and summaries, you can have a summary of your phone call with action items right when you hang up. No more note-taking, or forgotten to-do's.What's more, every employee that's sharing that phone number with you has access to it, too. Total recall across your entire team. OpenPhone is already affordable at a starting price of $15/user/month. But, The Founder Hour listeners can get 20% off for 6 months. And if you have existing numbers with another service, OpenPhone will port them over at no extra charge.Head to https://www.openphone.com/founder to start your free trial and get 20% off!***The Founder Hour is brought to you by Outer. Outer makes the world's most beautiful, comfortable, innovative, and high-quality outdoor furniture - ALL from sustainable materials - and is the ONLY outdoor furniture with a patented built-in cover to make protecting it effortless. From teak chairs to fire pit tables, everything Outer makes has the look and feel of what you'd expect at a 5-star resort, for less than you'd pay at a big box store for something that won't last.For a limited time, get 10% off at www.liveouter.com/thefounderhour. Terms and conditions apply. ***Follow The Founder Hour on:Instagram | www.instagram.com/thefounderhourTwitter/X | www.x.com/thefounderhourLinkedIn | www.linkedin.com/company/thefounderhourYouTube | www.youtube.com/@thefounderhour

Peter Wilson explains the Strawman, his thoughts on Crypto and healthy living. About my Guest: Ex Royal Navy gunner and armourer, turned professional fighter. Owned and ran own martial arts gym for about 30 years. Always been aware of something not being right in the world, went deep into it after losing over £1million of property in 1 week including own home. So been up and been down even living in a car for a while with his wife Janine and 4 dogs.   --------------------------------------------- If you're interested in solving your anxiety in 6 weeks - fully guaranteed  - and you want to learn more and have a free consultation with Daniel, go to https://www.danielpackard.com/ --- UPGRADE YOUR BRAIN UNLEASH AND USE YOUR UNIQUENESS   https://braingym.fitness/ ------------ Speaking Podcast Social Media / Coaching My Other Podcasts ⁠https://bio.link/podcaster⁠ ------------------ What we Discussed:   - Organising an Event 'Checkmate the Matrix Live' ( 1 min) - Was Bandladesh a Test ( 8 mins) - Is it your Money when logged into a Bank (8:30 mins) - Why Peter thinks Crypto is the Future (11 mins) - Why Roy thinks Crypto can be dangerous (12:30 mins) - The advantages of using the Blockchain (14:30 mins) - BRICS was created by the Goldman sachs (17:30 mins) - UK Prime Minister and Jimmy Savile (20:30mins) - The abused get attacked (22 mins) - Pedo's looking after eaxch other (25 mins) - How to Stop the Chemtrails (28 mins) - Toxity in the body (29 mins) - The multiple poisoned darts you get in the Military(30 mins) - Oxygen Chambers (34 mins) - Creating the best quality Water (36 mins) - Celtic Sea Salt (41:20 mins) - Fasting (43:30 mins) - Credit Card Debt & Personal Loans (46 mins) - GDPR Breach (52 mins) - Rip off Groups (58 mins) - Social Credit System in China Vs West (59 mins) - The Power of the Signature (1hr) - The Strawman (1 hr 2 mins) - Discharging the Charge (1 hr 8 mins) - His Future Book ( 1hr 19 mins)   and more   How to Contact Peter:   https://www.claimyourstrawman.com/   https://linktr.ee/PeterWilsonReturnToDemocracy   Links of Products as discussed https://onlyresultscount.com/ https://allegro.pl/oferta/generator-ozonu-ozonator-jonizator-dom-samochod-rurki-kulki-ozon-o3-600mg-h-8298804168 ------------------------------ More about the Awakening Podcast: All Episodes can be found at www.awakeningpodcast.org All Social Media + Donations link https://bio.link/podcaster   Our Facebook Group can be found at https://www.facebook.com/royawakening

Akshay Mehrotra, Co-Founder & CEO at Fibe Fibe's Co-Founder and CEO, Akshay Mehrotra, launched “EarlySalary” in 2015 to address the financial needs of young professionals facing end-of-month fund shortages. Puja Sharma of IBS Intelligence speaks with Akshay about the evolving patterns of borrowing among millennials, highlighting the significant impact of unsecured personal loans. 

In this episode, Tedd Huff and Colton Pond interview Joe Heck, the CEO of Happy Money. Happy Money focuses on personal lending and debt consolidation, aiming to help borrowers achieve their financial goals. They use personal loans to improve their financial situations. Joe shares insights on Happy Money's mission and their unique approach to lending, focusing on cash flow underwriting and differentiation in the market.Joe also discusses the importance of alternative data and the impact of credit unions as strategic partners. Happy Money partners with credit unions to deliver a member-centric experience, emphasizing the shift from transactional lending to building relationships with consumers. He highlights the role of technology in providing personalized experiences and the need for business agility.Joe shares his vision for the future of financing, including the potential of AI. He concludes by emphasizing the importance of optimizing infrastructure and focusing on the consumer to achieve Happy Money's mission of designing a happier way of lending..Five essential items you will take away. 1️⃣ Empowering Borrowers: Happy Money is dedicated to turning borrowers into savers by consolidating credit card debt into lower interest rate personal loans.2️⃣ Partnerships with Credit Unions: The company's strategic partnerships with credit unions provide a competitive edge and align the interests of consumers and financial institutions.3️⃣ Importance of Technology: Investing in technology and personalized experiences is crucial for delivering a member-centric experience in the lending industry.4️⃣ Future of Financing: Joe Heck discusses the potential of leveraging AI to personalize and simplify the customer experience in the future of financing.5️⃣ Optimizing Infrastructure: The importance of optimizing infrastructure to focus on customer-centric solutions and improve the overall lending experience.Key Highlights:Happy Money's Mission: Focus on helping borrowers become savers through personal lending and debt consolidation.Insights from the CEO of Happy Money, Joe Heck: Company's journey and approach to lending.Innovative Lending Approach: Utilizing cash flow underwriting and alternative data to personalize lending decisions.Partnerships with Credit Unions: Strategic alliances with credit unions to offer a member-centric experience and expand network partnerships.Empowering Borrowers: Transitioning from transactional lending to building ongoing relationships with borrowers.Investment in Technology: Leveraging technology to drive personalized experiences and improve financial well-being.Future of Financing: Exploring the potential of AI in personalizing and simplifying the customer experience.Optimizing Infrastructure: Emphasizing the importance of infrastructure optimization for customer-centric solutions.Empowerment and Financial Education: Highlighting the role of Happy Money in empowering consumers with knowledge and tools for better financial decisions.Member Success Stories: Discussing the impact of Happy Money's approach on the lives of over 300,000 members and their journey to financial freedom.Watch on YoutubeLinks:Happy MoneyWebsite: https://happymoney.com/Linkedin: https://www.linkedin.com/company/happy-money/Fintech Confidential YouTube: https://fintechconfidential.com/watch Podcast: https://fintechconfidential.com/listen...

This is a show about Happy Money.Of course you have to smile at that.You'll smile more knowing it's the name of a company that is in the business of helping consumers with personal loans that in turn are issued by participating credit unions and of course the consumer is memberized along the way.So it's also a member acquisition tool.The key Happy Money loan is the Payoff Loan - $5000 to $40,000 - that helps a consumer pay off credit cards. Rates are as low as 12.45%.Credit unions that work with Happy Money include Michigan State Federal Credit Union, Technology Credit Union, and Alliant Credit Union.Happy Money investors include a subsidiary of TruStage, formerly known as CUNA Mutual.On the show to tell all about Happy Money is CEO Joe Heck, a longtime CUNA Mutual employee who rose to vice president, business transformation.Earlier in his career he was a manager at CASE Credit Union in Michigan.Heck is an authentic credit union guy - if we used video you'd see him in a hoodie! - and he believes in the credit union mission and the credit union difference.  He also sincerely believes Happy Money has a significant role to play in helping credit unions live up to their mission.Listen up.Listen up.Like what you are hearing? Find out how you can help sponsor this podcast here. Very affordable sponsorship packages are available. Email rjmcgarvey@gmail.com  And like this podcast on whatever service you use to stream it. That matters.  Find out more about CU2.0 and the digital transformation of credit unions here. It's a journey every credit union needs to take. Pronto

The loan application process can be overwhelming for many individuals, and dealing with monthly EMIs is often an experience we'd prefer to avoid. Nevertheless, having access to credit is paramount for both personal and business growth. Banks face challenges in serving MSMEs, encountering obstacles such as insufficient credit history or the absence of proper documentation. However, things are slowly changing for the better. Listen to this episode to discover how Non-Banking Financial Companies like Indifi are bridging the gap to facilitate easier credit access. This podcast is also available in Tamil and Hindi. A special thanks to Omidyar Network India for making this season possible. To know how ONI is partnering bold and purpose-driven entrepreneurs who are working to improve the lives of India's Next Half Billion, visit omidyarnetwork.in You can listen and subscribe to Smartphone Nation on the IVM Podcasts App and on all major audio platforms. Do follow IVM Podcasts on social media. We are @IVMPodcasts on Facebook, Twitter, & Instagram.  Do share the word with your folks!See omnystudio.com/listener for privacy information.

Facing liquidity crunch? Instead of applying for personal loans at exorbitant interest rates, you should consider gold loans. Umesh Mohanan, Executive Whole Time Director at Indel Money decodes the process, loan to value and other aspects in this podcast with Aprajita Sharma of Mint Money.

We get it – the end of a marriage is no walk in the park. It's emotional, challenging, and oftentimes, very expensive. Today, we're diving into a common question that might be on your mind: Should you consider taking out a personal loan to cover those hefty divorce legal fees?   Contact: 817-444-8402 Website: https://bit.ly/2HLgkEx Schedule A Call Online: https://bit.ly/31VabN3

Rebecca Bacon has loan paper to sell. Billions of dollars of paper.That's because she works with Upgrade, a San Francisco based fintech that issues credit cards, makes auto loans, writes personal loans and then it sells the paper to some 200 financial institutions, mainly credit unions says Bacon.Most are big - she names Pen Fed as a buyer - but Upgrade also works for small institutions too.If you want memberized paper, Upgrade is a provider.The company says on its website: “Our credit union partners utilize our flexible balance sheet solutions to solve for margin compression, balance sheet diversification, liquidity management, and income replacement.“We have facilitated $24 billion in loans, including over $9.5 billion in 2022 alone.”It's no news to you: many fintechs want to eat your lunch.Upgrade wants to share its lunch with you.Implementation of the tech is fast and easy, says Bacon. She explained that most FIs are active inside 30 to 60 days.And she estimates Upgrade has memberized around one million people.Listen upListen upLike what you are hearing? Find out how you can help sponsor this podcast here. Very affordable sponsorship packages are available. Email rjmcgarvey@gmail.com  And like this podcast on whatever service you use to stream it. That matters.  Find out more about CU2.0 and the digital transformation of credit unions here. It's a journey every credit union needs to take. Pronto

In November 2021, *Paytm's parent company One97 Communications went public with a $2.4 billion IPO. What followed was a bloodbath for the fintech giant. In a span of a year after the IPO, Paytm's stock lost 75% of its market value. No other large IPO in the last decade had seen such a bad fall in stock value within the first year of listing.But last year, in a dramatic turnaround, Paytm saw its stock value go up by 90%. What could've Paytm possibly done to bring about this crazy turnaround?It was personal loans. They're the reason Paytm saw a more than 60%  jump in  revenue in the year ended March 2023. But now, Paytm can't rely on it anymore.Tune in to find out why.*Paytm's founder Vijay Shekhar Sharma is an investor in The KenDaybreak is produced from the newsroom of The Ken, India's first subscriber-only business news platform. Subscribe for more exclusive, deeply-reported, analytical business stories.  

On today's episode, financial journalist Govindraj Ethiraj talks to Manisha Kapoor, CEO of Advertising Standards Council of India(ASCI).SHOW NOTES[00:00] Stories Of The Day[01:10] Demand or Supply, What Will Drive Oil Prices Now?[03:43] Personal Loans will get expensive, will that solve the problem?[08:16] Every product and service can't be green, even if it claims to. Guidelines to crack down on greenwashing advertising as it's known are on the way. [15:45] Sam Altman may return to OpenAI, that will not solve the problem of AI.[18:54] Thailand goes all out again for high spending tourists.[20:25] Australia Wins The ICC Cricket World Cup 2023For more of our coverage check out thecore.in--Support the Core Report--Join and Interact anonymously on our whatsapp channelSubscribe to our NewsletterFollow us on:Twitter | Instagram | Facebook | Linkedin | Youtube

Surprise, you're approved! Getting preapproved has several advantages. Before settling on one preapproval, you might want to get preapproved by several lenders to compare terms and ensure you are getting the best deal. Join our hosts, Jamie and Nicole as they explore and discuss preapproval loans that you may want to consider- from Auto Loans and Credit Cards to Personal Loans and Home Equity Loans.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

On today's episode, financial journalist Govindraj Ethiraj talks to Probir Roy, co-founder of B2B payments company Paymate and columnist on payments issues as well as Indrani Bagchi, CEO of Ananta Aspen Centre and columnist on diplomatic matters with the Times of India.SHOW NOTES[00:00] Stories Of The Day[00:50] GDP to grow on back of ebullient festive demand, says RBI [03:54] RBI tightens rules for personal loans, credit cards as demand and risk rise[11:10] Panda diplomacy is back, America and China are talking again[18:03] Domestic air traffic continues to GrowFor more of our coverage check out thecore.in--Support the Core Report--Join and Interact anonymously on our whatsapp channelSubscribe to our NewsletterFollow us on:Twitter | Instagram | Facebook | Linkedin | Youtube

Get holistic financial planning with 1 Finance - https://1finance.onelink.me/5Kxt/otep9In Part 1 of the episode, we delved into the impact of online platforms and P2P lending. If you haven't already, we recommend checking out Part 1.In part 2 explores the role of credit history, credit reports, and credit scores in building trust based on a borrower's financial track record. Additionally, we will highlight key considerations for borrowers, such as interest rates, eligibility criteria, and potential fees and penalties when weighing the pros and cons of personal loans. *Disclaimer: Investments in the securities market are subject to market risks. Read all the related documents carefully before investing.Registration granted by SEBI, membership of BASL and certification from National Institute of Securities Markets (NISM) in no way guarantee performance of the intermediary or provide any assurance of returns to investors.Quotes or authorisations in this podcast are provided solely for educational purposes and relate to third-party products.

Get holistic financial planning with 1 Finance - https://1finance.onelink.me/5Kxt/otep9The world of personal loans in India is currently witnessing an unprecedented surge in popularity, with numbers steadily on the rise. In a recent development, the Reserve Bank of India (RBI) issued a warning in October this year concerning the growing prevalence of personal loans. To put this surge into perspective, a report by the Indian Express revealed that the total credit extended to this segment reached a staggering Rs 47.70 lakh crore in August 2023, a significant increase from Rs 36.47 lakh crore in August 2022.So, what's driving this remarkable surge, and how do personal loans differ from other types of borrowing?In the first part of this episode, we will explore the importance of understanding the intricacies of personal loans and examine the rise of peer-to-peer lending as an alternative source of personal financing.  *Disclaimer: Investments in the securities market are subject to market risks. Read all the related documents carefully before investing.Registration granted by SEBI, membership of BASL and certification from National Institute of Securities Markets (NISM) in no way guarantee performance of the intermediary or provide any assurance of returns to investors.Quotes or authorisations in this podcast are provided solely for educational purposes and relate to third-party products.

Sidee loo qaataa daymaha qofeed (personal loans)?

As more Australians than ever seek ways to manage their living costs, many are turning to personal loans. When shopping for options, it's important to research and carefully consider your circumstances before signing on the dotted line. - Lub caij uas muaj neeg Australia coob tuaj ntxiv nrhiav ntau txoj xub kev los pab tswj tej nuj nqe ntau yam uas siv ua lub neej no, tau muaj coob leej ntau tus tau mus qev cov nyiaj personal loans coj los siv. Tab sis thaum nrhiav tias seb ho muaj tej xub ke twg rau yus siv ntawd, yog tej yam tseem ceeb uas yuav tau teeb txheeb thiab ua tib zoo txheeb seb yus ho poob rau tej xwm txheej zoo li cas tso, ua ntej uas yuav kos xyeem mem tes rau tej ntaub ntawv qev nyiaj coj los siv no.

Escaping credit card debt requires self-forgiveness and accountability. Today, Amber helps a listener explore both the psychological and tactical approaches to debt repayment and if personal loans or debt consolidation is the right solution for her. This episode will dive deep into credit card debt so you can climb out of it and pave your way to financial freedom. ------------------------In today's episode, we cover the following:A review of the Aspire Conference (2:38)Behind the scenes of Amber's business transformation at AFMKTG (7:21) Advice on getting out of credit card debt (10:35)Amber's personal experience with credit card debt (11:24)Healing habit #1: EFT tapping (16:18)Healing habit #2: Journaling (17:06)The dark truth behind student loans (18:15)Self-forgiveness and deciding to break free from debt (19:30)Paying off debt: The Basics (24:10)Considerations before taking out a personal loan and consolidating debt (30:14)The pros and cons of debt consolidation through a personal loan (36:10)Getting approved for a personal loan (46:30)----------------------------RESOURCESWatch Jesse Itzler's The Words You Speak Matter in Life & BusinessEpisode 003: Financial Fight or Flight is Ruining Your LifeWatch Dealing with Debt - EFT with Brad YatesWatch Gala Darling's Tapping for Cash MoneyFind the best personal loans with NerdWallet----------------------------Today's episode is sponsored by the Female Founder Collective and their exclusive membership community, the 10th House. Scale and grow your business with like-minded women. Send in your applications for their spring cohort and use the code OLD MONEY for 15% off your annual membership!----------------------------Connect with the Old Money Podcast:Web: OldMoneyPodcast.comEmail: OldMoneyPodcast@gmail.comInstagram: @OldMoneyPodcastTikTok: @OldMoneyPodcast----------------------------Copyright (c) Old Money 2023. The content presented in this podcast is intended to entertain, educate, inspire and support listeners in their personal and professional development and does not constitute business, financial, or legal advice. Please note that this episode may contain paid endorsements and advertisements for products and services for which individuals on the show may have a direct or indirect financial interest in products or services related to the episode. Produced by AFMEDIA, a division of AFMKTG

In episode 200 of Beyond The Story, Sebastian Rusk interviews Cody Oakes, who is actively working in the world of foreclosures to help people save their homes or find better solutions. Cody discusses the need to educate homeowners about their options and how the banks often discourage them from finding solutions. The conversation dives into the challenges homeowners face and the strategies used to navigate the foreclosure process, and at the same time how his passion for helping others led him to start his own podcast.SUBSCRIBE to Cody's podcast "Real Estate Rescue" to learn all about how to prevent foreclosure, and save your home: https://www.realestaterescuepodcast.com/Join Sebastian Rusk and his guest, Cody Oakes, to gain valuable insights into the world of foreclosures and the importance of taking action to protect one's home.TIMESTAMPS[00:01:52] How the Whole Story Started.[00:07:00] Rising Interest Rates and Debt-To-Income (DTI).[00:09:59] Personal Loans as a Solution.[00:10:53] Creative Solutions for Struggling Homeowners.[00:18:39] Doing Work that Matters.[00:20:36] The World of Foreclosure.In this episode, Sebastian Rusk and Cody Oakes discuss the potential risks of doing business in the foreclosure industry. Specifically, Cody cautions against dealing with certain groups, such as wholesalers and contract flippers, who may lack the necessary resources or expertise to fulfill their promises. Cody then shares instances where his company, Real Estate Rescue, has lost deals to these individuals, only to have them later regret their decision and wish they had chosen Real Estate Rescue's services instead. He emphasizes the importance of thoroughly vetting everyone involved in a foreclosure transaction and encourages listeners to seek a second opinion if needed.Furthermore, this episode focuses on the importance of doing the right thing and taking care of people. Sebastian commends Cody, for consistently doing what is right and being someone who looks out for others. Sebastian also highlights Cody's reputation for always doing what is right and emphasizes that doing the right thing always at the right time. QUOTES:“The biggest thing for me was spreading awareness, letting individuals know that, ‘Hey, you do have options and that there are solutions for you.'” - Cody Oakes“These forbearance programs are ********. They're not even set up to help people be able to keep their home because the bank rSOCIAL MEDIA LINKS Sebastian Rusk Instagram: https://www.instagram.com/beyondthestorypodcast/ Facebook: https://www.facebook.com/BeyondTheStoryPodcast/ LinkedIn: https://www.linkedin.com/in/sebastianrusk/ Cody Oakes LinkedIn: https://www.linkedin.com/in/cody-oakes-69089bb7/ WEBSITE Beyond The Story Podcast: https://www.beyondthestorypodcast.com/ ========================== Need help launching your podcast? Schedule a Free Podcast Strategy Call TODAY! PodcastLaunchLabNow.com

In this podcast, businessline's Nabodita Ganguly is joined by Ambarish Kenghe, the Vice President of Google Pay, to shed light on the platform's mission and key initiatives for India. The conversation revolved around Google for India's annual flagship event and the company's vision for India's digital journey.  Kenghe begins by explaining the significance of the Google for India event, emphasising its role in showcasing Google's contributions to India's digital infrastructure. He delves into the central theme of Google Pay's efforts to facilitate credit access in India.  The interview features several major announcements:  Simplifying credit usage: Google Pay is working to streamline the utilisation of credit. It will enable the use of RuPay cards and credit lines on UPI, offering users more straightforward options for credit access.  Personal loans with Axis Bank: Google Pay is partnering with Access Bank, a well-known Indian bank, to expand the reach of personal loans, making them more accessible to users.  Enhancing merchant loans: Collaborating with ICICI Bank, Google Pay aims to enhance merchant loans, making repeat loans more seamless. This move is expected to benefit businesses significantly.  Introduction of sachet loans: Google Pay will introduce sachet loans," which offer small loan amounts, enabling merchants to manage smaller repayment amounts effectively.  Merchant credit lines with ePayLater: In collaboration with "ePayLater," Google Pay will offer credit lines for merchants. These credit lines can be used with select suppliers and distributors, making it easier for merchants to access supplies.  Kenghe also touches on Google Pay's collaboration with the Reserve Bank of India (RBI) and other industry players to ensure adherence to guidelines and regulations.  In terms of fraud prevention, Google Pay employs advanced machine learning techniques to detect and prevent fraudulent activities, including warnings and velocity checks, according to Kenghe.    Regarding challenges in reaching those without internet access, especially in conflict zones, Kenghe acknowledges the complexity of the problem and expresses Google's commitment to finding solutions.   While he refrains from commenting on the recent penalisation of Google by the Competition Commission of India (CCI) for alleged market dominance abuse, Kenghe highlights the complexity of the matter.  In conclusion, Kenghe expresses his excitement for the transformative power of digital payments in India and the substantial growth expected in the sector. He believes that India's digital journey has only just begun and will continue to shape the country's economic landscape.  --- Send in a voice message: https://podcasters.spotify.com/pod/show/business-line/message

The Commerce Commission should be looking closely at banks' overall interest margins in its market study into personal banking services, says David Cunningham.Cunningham is CEO of Squirrel Group, a mortgage broker that also offers lending and investing products and services, and a former CEO of The Co-operative Bank and manager at Westpac New Zealand.In the latest episode of interest.co.nz's Of Interest podcast, Cunningham talks in detail about how interest rates are set for borrowers and savers, and the key area the Commerce Commission should look as it assesses competition for deposits and home loans.Banks ultimately manage to the overall interest margin across both sides of their balance sheet covering their lending via the likes of home loans, and borrowing via the likes of deposits, Cunningham notes."Banks use something called transfer pricing, where they use the wholesale [interest] rate as a benchmark and then they assess the margin above that for loans and below that for deposits. But of course those margins on loans and deposits move in and out through the interest rate cycle. They're wider on lending at the lows, narrower in lending at the highs," says Cunningham."I think what the Commerce Commission should be looking at is that overall margin."He says it's "disingenuous" for a banker to say margins are low on home loans at the moment without looking at the other side of the balance sheet because margins could be high on deposits."Unfortunately right now we're actually having that behaviour where we've got some banks setting rates with only reference, it would seem to me, to the wholesale [interest] rates.""The key point is margins move in and out but you've got to look at the total. And that's what I think the Commerce Commission will be looking at, that quantum of the whole pricing decision. Not just a pricing decision on an individual product in isolation," says Cunningham.The record low 0.25% Official Cash Rate (OCR) through most of 2020-2021 followed by a rapid increase to 5.50%, has allowed banks to expand interest margins by about 20%, Cunningham says."It's a lift in the price of the net margin you're charging on your product of 20%, which actually most New Zealand businesses would love if they could do that as an industry. And that's an oligopoly in action, and that's what the Commerce Commission will be exploring."In the podcast Cunningham also talks about why he doesn't believe banks' net interest margins are justifiable at the moment, what to be wary of in a high interest rate environment including break fees, the role of bank capital in driving decisions on sectors banks like lending to, secured and unsecured lending, and how interest rates are set on everything from the OCR, to the bank bill benchmark rate, swap rates, home loans, term deposits, personal loans, car loans, credit cards, business lending, rural lending and bonds, and his own role in making fixed-term mortgages more popular than floating rates.

On this episode of #PaisaVaisa, Anupam is joined by Manish Kothari - President & Head, Commercial Banking, Kotak Mahindra Bank. They discuss in depth, the microfinance sector and how the same has changed over the last decade. They also discuss MSMEs and the unorganized money sector.Topping it off, they share thoughts on infrafinancing and the fastest growing infra segments of India!This and more on this episode of Paisa Vaisa! Know more Kotak Mahindra Bank at: Savings Accounts, Personal Loans and Credit Cards - Kotak Mahindra Bank Find Manish Kothari on Social Media:LinkedIn: ((2) Manish Kothari | LinkedIn) Get in touch with our host Anupam Gupta on social media:Twitter: ( https://twitter.com/b50 )Instagram: ( https://www.instagram.com/b_50/ )Linkedin: (https://www.linkedin.com/in/anupam9gupta/ ) You can listen to this show and other awesome shows on the IVM Podcasts website at https://www.ivmpodcasts.com/See omnystudio.com/listener for privacy information.

Matt Lattman is an avid traveler and serves as the Senior Vice President for Card Acquisition Marketing at Discover. Prior to Discover, Matt was Chief Marketing Officer at Zero Financial, a financial technology startup. He also spent six years at Capital One in various roles, most recently as Head of Acquisition Marketing for their Consumer Bank. He joined Discover in 2019 as VP of Marketing, Pricing, and Product Strategy in Personal Loans. With his start date being just 4 months before the pandemic, Matt quickly got to see firsthand how Discover helps its customers through hard times, meets their needs, and keeps empathy at the core of the brand and operations. Now, he is working to optimize the discovery of Discover through the journey of customers getting their cards, both through cross-selling and net new acquisitions, to ensure people find the products that are right for them.In this episode, Alan and Matt discuss how he conceptualizes Acquisition Marketing at Discover, the critical aspects of getting Acquisition Marketing right, where creative excellence and storytelling fit into the picture, and the benefits and challenges of marketing a highly recognizable brand. Matt tells us Discover has "midwestern values" and places its customers first in business conversations. When it comes to getting Acquisition Marketing right, knowing what a bad outcome is is essential to narrowing down the target audience. Yes, it is important to understand your ideal customer, but understanding the consumers who don't want or can't have your product is the key to driving down acquisition costs. Matt's goal in marketing is to make the advertisement feel like a letter from the brand to the consumer, and the only way to accomplish that is to truly understand who the consumer is. Matt and Alan also talk about the future of AI in generating creative and the soul that is missing when using this kind of technology to create powerful messaging.In this episode, you'll learn:What Acquisition Marketing is and the critical aspects of doing it rightBenefits and challenges of marketing a highly recognizable brandWhat AI-generated creative is missingKey Highlights: [01:40] Not an everyday traveler[03:40] Matt's path to Discover [07:00] How is his current role constructed, and what are his primary focus areas?[08:25] Optimizing the discovery of Discover[09:15] Simplifying messaging in marketing[10:55] What is critical to getting Acquisition Marketing right?[14:25] Creative excellence and the ability to tell a story[15:30] AI for crafting creative[18:30] Ryan Reynolds ChatGPT Ad[19:30] The importance of a brand's being recognizable[25:00] Finding truth in microfiche[29:00] Give everyone space and grace.[32:40] Marketing academics, lessons from the past, and understanding HOW it works[35:55] Trends and subcultures to watch[38:00] Machine learning for targeting ads Resources Mentioned: Matt Lattman Discover Zero (now Avant), Capital One, Living Social, Boston Consulting Group  Become a member today and listen ad-free, visit https://plus.acast.com/s/marketingtoday. Hosted on Acast. See acast.com/privacy for more information.

Merve Ferrero, Chief Strategy Officer, ZopaZopa has come a long way in the 17 years it has been in business. It has a very clear aspiration to be Britain's best bank, and it also has a hungry look in its eye, having already digested Buy Now Pay Later firm DivideBuy in February. Merve Ferrero, Zopa's Chief Strategy Officer oversees some of Zopa's most important products and services such as deposits and partnerships, as well as overall strategy and operational resilience. She speaks to Robin Amlôt of IBS Intelligence at Money 20/20.

This podcast features Jamie Raskulinecz   Jamie is the founder and CEO of Next Generation Trust Company, and discusses the self-directed retirement plan industry and the founding of her company. She also explains how Next Generation Trust Company helps investors invest in non-publicly traded alternatives using their retirement plans. -------------------------------------------------------------- Starting a Self-Directed Retirement Plan [00:00:00] The Difference Between Servicing and Trust Companies [00:02:29] Importance of Customer Experience [00:06:45] The Importance of Self-Directed Retirement Plans [00:08:00] Marketing to Self-Directed Account Holders [00:09:33] Prohibited Transactions in Self-Directed IRAs [00:12:42] Prohibited transactions [00:16:28] Types of accounts: Solo 401k vs IRA [00:17:37] Deploying small balance IRAs [00:23:03] Investing in Personal Loans [00:23:59] Investing in Startups [00:25:19] Contacting Next Generation Trust Company [00:25:48] --------------------------------------------------------------   Connect with Jamie:    Facebook: https://www.facebook.com/NextGenerationTrust/ LinkedIn:https://www.linkedin.com/company/next-generation-trust-company/mycompany/?viewAsMember=true Web: https://nextgenerationtrust.com   Connect with Sam: I love helping others place money outside of traditional investments that both diversify a strategy and provide solid predictable returns.     Facebook: https://www.facebook.com/HowtoscaleCRE/ LinkedIn: https://www.linkedin.com/in/samwilsonhowtoscalecre/ Email me → sam@brickeninvestmentgroup.com   SUBSCRIBE and LEAVE A RATING. Listen to How To Scale Commercial Real Estate Investing with Sam Wilson Apple Podcasts: https://podcasts.apple.com/us/podcast/how-to-scale-commercial-real-estate/id1539979234 Spotify: https://open.spotify.com/show/4m0NWYzSvznEIjRBFtCgEL?si=e10d8e039b99475f -------------------------------------------------------------- Want to read the full show notes of the episode? Check it out below: Jaime Raskulinecz (00:00:00) - . So when you're looking for investors, one of the objections you might get is, you know, all of my money is tied up in the stock market and things are really bad right now, and I can't really liquidate anything because, you know, everything has lost a lot of money, so I gotta stay there and make up for it. So the answer to that objection that I like to tell sponsors to give is, that's really great, and I, I absolutely understand that, but did you know that you're able to use your retirement plan, which, whatever kind you have to make these same investments into non-publicly traded alternatives?      Intro (00:00:37) - Welcome to the How to Scale commercial real Estate Show. Whether you are an active or passive investor, we'll teach you how to scale your real estate investing business into something big.   Sam Wilson (00:00:50) - Jamie Rascal Linens is the founder and CEO o of Next Generation Trust Company. They are custodians for sale directed retirement plans, specializing in the custody and administration of non-publicly traded alternative assets. Jamie, I got all that out in one sentence without messing it up. Thank you so much for coming on the show today.   Jaime Raskulinecz (00:01:07) - Thank you so much for having me. That was a mouthful, wasn't it? Betwe, between my name, pronunciation, and the, and the intro. Wow. ,   Sam Wilson (00:01:15) - It's a lot of big words all crammed into one. Thank you very much. I appreciate that. I've got three questions that I ask every guest who comes on the show in 90 seconds or less. Can you tell me where did you start? Where are you now, and how did you get there?   Jaime Raskulinecz (00:01:28) - Interesting. Um, yes, I can tell you. So, uh, my, my prior business to this was a property management company and I was looking for an additional revenue stream, and I happened to meet someone in this business who, uh, introduced me to it. I thought it was one of the greatest things I had ever heard, because I was also interested in putting real estate in my retirement plan. And so, kind of the rest is history. We started, uh, the servicing company in 2004, the Trust company, um, about seven years ago. And here we are today with, uh, almost 700 million in assets under custody, and, um, you know, still going strong working with real estate investors, fund managers.   Sam Wilson (00:02:16) - That's awesome. That's awesome. You, it, it's keeping you busy. You mentioned a couple of things there. Uh, you, you said, you mentioned you that you had started a servicing company in 2004 and then seven years ago started the trust company. I don't even know what the difference is   Jaime Raskulinecz (00:02:29) - . So, um, back in 2004, next Generation Services was formed. We have two companies, next Generation Services and Next Generation Trust company. And so the services company all by itself, always needed to have a licensed, uh, or chartered financial institution to act as custodian for all the assets. Okay. And without me having that partnership, next Generation Services would be unable to do business. Hmm. So you can only imagine that that was the nightmare that kept me up every night. And I was looking for ways to have both sides of that equation so that we had control of both sides. And so about seven years ago, we formed, the Trust company was chartered in South Dakota, and so the trust company is the custodian for all the assets, and the servicing company is in North Jersey and still does all of the sales, uh, transaction report and other types of reporting. And, uh, the trust company is really the chartered custodian for all of the assets.   Sam Wilson (00:03:38) - So yeah, I mean, that, that's is are all self-directed custodian set up in a similar, uh, kind of arrangement there?   Jaime Raskulinecz (00:03:45) - A lot of them are okay, but, uh, a lot of them are, but some of them use the trust company completely for both sides of that business. And so for me, because the servicing company came first, and because we're located in two different states and the regulations vary, it made more sense to keep them both separate for, um, you know, uh, trust company regulation purposes and other business considerations.   Sam Wilson (00:04:17) - It sounds, I mean, it sounds like this is, uh, is just not obstacles, but just kind of overcoming the legal hurdles required to do business the way you guys wanna do business.   Jaime Raskulinecz (00:04:28) - Yeah, there's, there's a lot of, as you can imagine, there's a lot of regulation, uh, governing these types of businesses and plans, right? So we have to worry about the division of banking in South Dakota because we have an office in New Jersey. We also have to register with the banking commission in New Jersey. We've got i r s and Department of Labor Regulation. So it's really, uh, it's really a lot of fun.   Sam Wilson (00:04:55) - Yeah, I guess so. I guess, so how did, what, what gave you the confidence to enter this space? Knowing all of the regulatory hurdles? And I know some of those may be, maybe they have, maybe they haven't lessened here in the last 10 years, but, um, how did, how did you have the confidence to move forward in that? I mean, that's, that's a lot to swallow all at once, even just thinking about it.   Jaime Raskulinecz (00:05:16) - Well, um, one of the biggest reasons is I think that, um, ignorance is bliss in the beginning. So you really, uh, you know, I didn't have any idea about a lot of what was gonna happen with this, especially the trust company didn't come until many years later. Yeah. So, and, and that's sort of been the story of my life, right? One of my other businesses is property management and we specialize in affordable housing and talk about regulations, right? Right. And so there's that, and my, uh, my prior life, my career was healthcare. So I've been in a heavily regulated environment, uh, pretty much since birth.   Sam Wilson (00:06:01) - Wow. Yeah, I guess, I guess, uh, if you're used to it, you know, and in its own right, you know, those regulations, uh, prevent competition, which I'm not gonna say is a good thing, but, um, they certainly, once you understand it, it's like, well, it's confusing and it's hard and lots of paperwork. So, you know, in its own right. Once you, once you kind of have the inside know-how it's probably, uh, it's probably okay, just getting through that initial hurdle I think would be, would be a little bit challenging. What do you feel like when you formed this company, and you guys have been, I guess now around it's 2023, so that's 19 years, like, what do you feel like you do differently or that was missing in the space? Because I think you saw opportunity there. What was that opportunity?   Jaime Raskulinecz (00:06:45) - Well, for me, regardless of whatever business I was in, what was always top of mind for me was the customer or the client experience. Hmm. And whether that was way back when in healthcare or in property management with tenants, or I've owned rental real estate myself. Yeah. You, you want to provide the best experience to people that you can. And in my industry, as you know, there are small boutique firms like mine, and then there are those giant companies that have been around since the seventies. And really our goal was not to become a giant company, like the ones that have been around since the seventies. I liked being a boutique firm because we can pivot easily and we can make accommodations for our referral sources and for our clients easily. And it was also easy for me to instill that, um, you know, that feeling with all of our staff members. We've done Ritz Carlton training. So, um, you know, that's kind of the level of service that I want us to be known for, and we are actually known for our customer experience in the industry.   Sam Wilson (00:08:00) - No, I think that's great. That's absolutely great. And yeah, I mean, as a, as a deal sponsor, I have, uh, interacted with all of the different, you know, uh, I guess variations of the types of firms out there. And certainly the smaller the firms and the more personalized that experience is, the easier it is for us as sponsors to bring our investors on that have self-directed accounts. And the larger the companies get, the, uh, the more cumbersome and less responsive it tends to be. So I certainly, sure.   Jaime Raskulinecz (00:08:30) - And, and what's our job? It's to make life easier for our client when they wanna make investments. Right. And on the other side, you know, of course, you know, we're not allowed to partner or directly refer, but we wanna make it a seamless process for all the parties concerned in the transaction, otherwise why would they come to me? Right,   Sam Wilson (00:08:49) - Right. Absolutely. Absolutely. I understand there's statistics that are out there and, and I'm not gonna butcher whichever ones they are. Uh, but in short, and I'm guilty of this too, so tell me what the opportunity is and maybe, maybe we could even talk about how deal sponsors can be effectively marketing to the self-directed account holder crowd. Because what I understand is that there's a lot, a lot, a lot of money in self-directed accounts, and again, myself included, especially small balance accounts that is doing absolutely nothing other than sitting in a trust account. How, how, how do we get in front of self-directed account holders and let them know what opportunities we have?   Jaime Raskulinecz (00:09:33) - That is such a great question. So let me, let me start at the beginning. There's almost 12 trillion in IRAs in the United States right now. Uh, it's really boomed because of much more contributions and a lot more gain in the investment. Yeah. Uh, in the last year that may not be so the canon investment, but about 12 trillion. And so we get this question a lot from fund managers and other people who are looking to raise those funds. And you know, my answer to them is because I know some of the objections that you get. So when you're looking for investors, one of the objections you might get is, you know, all of my money is tied up in the stock market and things are really bad right now, and I can't really liquidate anything because, you know, everything has lost a lot of money, so I gotta stay there and make up for it.   Jaime Raskulinecz (00:10:29) - So the answer to that objection that I like to tell sponsors to give is, that's really great, and I, I absolutely understand that, but did you know that you're able to use your retirement plan, which whatever kind you have to make these same investments into non-publicly traded alternatives? And one of the best things to ask, especially now with, um, the layoffs that there have been in the last couple years, is they're an old employer 401K somewhere that you can roll over. Uh, I am not allowed to give people advice, but personally I like to tell people that I can think of only one real specific reason to ever keep your old employer 401K active. And that's if you have stock in that company, you may wanna keep it in that old 401k, but anything other than that, you wanna really roll it over so that you have more control over the investments that you can make and the fees that are involved because 401ks have higher fees, uh, with employers. So that's one strategy to even start talking about, do you have old employer 401ks? What, what are your IRAs doing? Uh, you can also self-direct education savings accounts and HSAs, and a lot of people take advantage of those contributions and use those to self-direct as well.   Sam Wilson (00:11:57) - I think that's, that, that's really cool. Um, and, and most people don't, most people don't know even about self-directed IRAs. Even inside of my own family, I've had to educate a lot of my own siblings like, Hey, you know, you can move this into an accountant and tell, tell 'em what to do with it. Like that, that's, that's, and, and, and so if they don't know about that in the self-directed IRA space, then you start getting, you know, further down the rabbit hole into self-directed HSAs and things like that. And that's, that's mind blowing I think for a lot of people. Let's talk a little bit about maybe the transaction types, prohibited transactions, things like that, that go into self-directed IRAs. I know there's all kinds of confusion on this, and so I'm hoping maybe you can kind of just boil this down so a simpleton like me can understand   Jaime Raskulinecz (00:12:42) -  Well, it took a simpleton like me to figure it out and figure it out quickly too when I first started the business. Right. Okay. So the easiest thing to remember is not what type of investments am I allowed to do within a self-directed ira because they're, you know, it's a huge number. What is best to remember is what am I not allowed to do? And the only things that are not allowed investment in self-directed IRAs are life insurance policies and collectibles. And so, uh, that means that if somebody says to you, gee, I wanna invest in a racehorse, can I do that? You absolutely can. So, and we've had people do that. Um, you know, I wanna invest in oil and gas interest or lease rights for mineral rights. Can I do that? Absolutely, you can. Uh, another interesting one was several years ago they purchased licenses to, uh, purchase feet at national sports stadium games. I never even knew that was a thing.   Sam Wilson (00:13:50) - Oh. So,   Jaime Raskulinecz (00:13:52) - Um, so the possibilities really are endless. You may invest in, you know, anything except for those two things. Um, I have people, you know, real estate investors are mostly creative thinkers, right? So real estate investors are, uh, a real fun and interesting group for me to work with because I'm always getting calls with creative ideas to try to do something that's not allowed. So, , how about if I structure it this way? Yeah, no, it's still not good. You can't, you know, you can't get around the rules, right? But, you know, we, we have great discussions with people, but the structure, as you say is important. If you have family members or if you have business partners that you are associated with, you're unable to really do transactions between you and them. So a great example, you and your wife own property personally, and you wanna get it into your ira.   Jaime Raskulinecz (00:14:54) - You can't sell it into either one of your IRAs because it's self-dealing. You can't purchase or sell anything that you already owned personally. If you and your wife had separate IRAs and you wanted to invest in a property together, uh, this requires some thought about this. You may invest in a property together and you may partner together, but the percentages that you start out investing must remain the same throughout the entire investment. So if you purchase a property, 50, 50, 50% of the investment money must come from each ira and all of the income must come back to the IRAs in those same percentages. So 50% of the rent, 50% of expenses from either ira, and those percentages can never change because then that's actually doing transactions with disqualified people. That's why the percentages must stay the same, but there is a lot of flexibility to partner with others, even though they may ordinarily be disqualified from doing a transaction between you.   Sam Wilson (00:16:05) - Right. The way I've, I, the way I've understood disqualified, uh, uh, people, it would be more of a, a linearal, no linearal, gosh, can't even speak today, but just direct descendants. Like, my mom can invest with me in a deal that I am a general partner on, but my siblings can. Is that right? Correct.   Jaime Raskulinecz (00:16:28) - Yeah. But you have to be careful. If your siblings invest, then you have to be sure that it's a market rate transaction and that your siblings IRAs are not getting special treatment because of the relation, right. Or your fund, or your deal isn't getting special consideration. Like if they're giving you a loan, maybe they're giving you half of the normal interest rate that's market that's wouldn't be allowable. So you also have to keep some good records to prove that everything was market rate.   Sam Wilson (00:17:02) - Right. Right. Yeah. Which, I mean, market rate four years ago might, might have been three to 5% market rate today might be 10 or 15. So , right,   Jaime Raskulinecz (00:17:12) - You're   Sam Wilson (00:17:13) - Gonna, you're gonna need the, uh, need that good record keeping there. Okay. Awesome. So we've talked a little bit about prohibited transactions. We've talked about how to market to, uh, self-directed account holders. What, and we've talked a little bit about the types of accounts. I think we mentioned self-directed IRAs, we mentioned, uh, self-directed HSAs and self-directed. What was the other one you threw in there that was a   Jaime Raskulinecz (00:17:36) - Little bit? Education savings, account   Sam Wilson (00:17:37) - Education savings account. One that I don't hear a lot of press coverage on, because I think everybody, I think IRAs for whatever reason tend to be more, just more people know about 'em. But solo 401ks, what is to walk us through that benefits, maybe if you're considering opening accounts, why one versus the other? I don't even, not even sure. I understand why one is better than the other. So maybe you can kind of talk to us about those.   Jaime Raskulinecz (00:18:04) - Well, on a solo k there, there can be no common law employees of the company if you have a solo K but you can have partners or spouses that can, uh, be included in the plan. And so why some people see benefits to using a solo K first thing is the contribution limits to a solo K are much higher than you could put into an ira. So for 2023, and I have some cheat notes for myself cause uh, my memory is bad, but for 2023 and a solo, okay, you can, um, you can contribute up to 25% of your compensation to a maximum of about, uh, 22,500. And if you're 50 and above this year, there's a $7,500 catch up contribution. So the contribution limits are a lot higher. If you mortgage a property in a solo k, it's a little bit, it's, it's a little bit easier to mortgage a property in a solo k um, there are some benefits to that, but the disadvantages to a solo K or that most people don't really understand them, uh, there are companies that specialize in self-directed solo Ks, and that might be all they do is qualified plans for non-publicly traded alternatives.   Jaime Raskulinecz (00:19:38) - We offer solo Ks as well, but we require folk to have a third party administrator to advise them on the setup of the plan, the ongoing reporting and maintenance of the plan, because that's, that's a whole separate field, uh, qualified plan administration, and that's really not our thing. So en to, to enable somebody to do it, they really have to have someone to advise them.   Sam Wilson (00:20:03) - Right. Yeah. It sound, it sounds like there's, there's, uh, maybe some flexibility benefits that come with it, but then also some reporting and, um, just some rules to that game maybe that are sounds really nuanced.   Jaime Raskulinecz (00:20:19) - Yeah, and a little more of an expense too, right? Because you actually need to have somebody advise you on that. So, uh, it it's a little more expensive to do if you think you're gonna make all of those. Uh, if you're gonna maximize the contributions and perhaps you have an old employer 401K that you wanna roll into this plan, so you have a lot of funds, then it kind of makes sense, right? You've got a lot of money in there and you wanna be able to put it to maximum use for your investments, and then it pays to pay all of those professionals to advise you, right? If, if you, if you have $10,000 in that plan, um, you know, why would you wanna spend money on the advisors, you know, makes more sense to use an IRA simpler,   Sam Wilson (00:21:01) - Right? Yeah, absolutely. Are there things that we should be doing on the IRA side of things to, I mean, are there, are there advantages or, or, uh, is there any capability of putting in more than maybe what the contribution limits that are published? Are there, are there kind of some catch up provisions or anything like that that we should be thinking about?   Jaime Raskulinecz (00:21:21) - Yeah, there are, uh, catch up contributions for, uh, traditional and Ross, although not as generous as, uh, the 401k. So it's only a thousand dollars catch up contribution for both of those, and the contribution limits are 6,500 for this year. But you know, what people don't realize is with those old employer 401ks, um, you know, as I keep saying, there's not too many reasons to keep all your money over there. You can roll those into an IRA and have a nice balance to enable you to do some creative investing.   Sam Wilson (00:21:58) - Yeah, no, that's cool that I didn't realize that, that you could roll old 401K funds into an ira. What, what do you advise? This is a personal question because I see, I see both in my investor pool and me personally inside of my self-directed ira, you get distributions. Maybe they're monthly, maybe they're quarterly, but you know, so let's say we put 50 grand in a deal and you know, it's throwing off 8% a year, whatever that comes out to be, what is that? 4,000 bucks a year? Yeah, it's really hard, especially when that 4,000 bucks dribble dribbles in $1,000 at a time throughout the year to do anything meaningful with that. What do, what do you see some people doing to kind of overcome that hurdle of small accounts, especially investments that produce cash flow, but then, I mean, it's gonna take 12 years to have another $48,000 to invest into anything at 4,000 bucks a year. If that's all that account had was 50 grand, then I'm not saying that's what it is, but if that were the case, so what are people doing right now to kind of deploy small balance IRAs in a meaningful way?   Jaime Raskulinecz (00:23:03) - Uh, good question. And so don't forget, even though you have a small balance, um, IRA, you probably can make contributions every year to boost up that balance, right? So you have to watch your income limits and, and what other contributions you're making. Yeah. But you can add to it that way. But a favorite method, uh, or a favorite investment in our office of small balance accounts, especially with some young people who might just be starting out, they may look at their balance and say, especially in this interest rate environment, I have a friend who has credit card bills or whatever, and they're paying, what is it now, 30%? I'm afraid to look at my statement. So I don't even know what credit card interest is these days, but it's, it's, you know, really high. Sure. So, um, they're paying this off and maybe it's 30% interest.   Jaime Raskulinecz (00:23:59) - I can get maybe four and a half percent in a treasury fund right now because interest rates are going up so much. But if I offer that person a personal loan, and it could be collateralized by something, it doesn't have to be an unsecured note, but I'm gonna lend this person $5,000 to pay off some credit card debt, and instead of them paying 30% and me getting four and a half, maybe I'll get 10, right? Or 12 if it's not collateralized by anything, maybe even 15, because there's no collateral, right? You have to look at what your user, uh, laws are in each state, but I'm going to get a much higher interest rate, you're gonna get a much lower interest rate, and I still have recourse against you if you don't pay me, uh, or if you don't pay my ira. So that's a good way to do it. There are some other companies that take smaller investments into some startups, so I don't, there's so many out there crowdfunding sites and startups, but you can use your IRA or other money to do smaller investments in some of these platforms that do investments in startup companies, and they're small minimums, right? So those are two of the most popular ones that I see.   Sam Wilson (00:25:19) - Yeah, I would, I would, I would think a reggae fund of some sort where you could, especially if you can, you know, continuously invest those distributions that are coming to your account, would be a good way to, a good way to deploy that as well. I hadn't, hadn't, uh, considered that, uh, on that front. So, no, those are, those are great. Two very great suggestions there. Jamie. I know we're over time. I certainly appreciate you coming on the show today. This was a blast. Learned a ton from you. If our listeners want to get in touch with you or your company, what is the best way to do that?   Jaime Raskulinecz (00:25:48) - Well, we, our website is next generation trust.com. That's probably the best way. There are several ways to reach us there. We have, uh, a chat spot on that website. We have a form on the website to contact us. There's a ton of educational resources there. We have, uh, pre-recorded webinars and other videos. We have white papers that they can download to see the different investment types. And there's also, uh, a listing of our staff and ways to contact them if you want to talk to a live person. Fantastic. We have a live, live person answering the phone during business hours, so you, you will always get a person at my office.   Sam Wilson (00:26:30) - Awesome. Awesome. Thank you Jamie, so much for that. I do appreciate it. Thanks so much for coming on the show. Have a great rest   Jaime Raskulinecz (00:26:35) - Of your day. Thanks so much for having me.   Sam Wilson (00:26:37) - Hey, thanks for listening to the How to Scale Commercial Real Estate Podcast. If you can, do me a favor and subscribe and leave us a review on Apple Podcast, Spotify, Google Podcast, whatever platform it is you use to listen. If you can do that for us, that would be a fantastic help to the show. It helps us both attract new listeners as well as rank hire on those directories. So appreciate you listening. Thanks so much and hope to catch you on the next episode.      

Money has the potential to strain relationships, particularly when it involves lending to loved ones.    There's always a risk of not getting the money back when lending to friends or family. Even with the best intentions, circumstances can change, and repayment may not happen. This can result in the lender losing the money and the relationship being damaged.    According to Brian Bristol, loaning to friends and family should not be a scare because he has developed a platform and process to ensure both parties feel comfortable about bringing lending money into their relationship.   In Episode 121, he filled us in on his platform “Pigeon” and how it takes away the awkwardness of lending money to your friends and family.    Listen in and learn more about Pigeon.    How To Start A Podcast E-Book.    https://www.etsy.com/listing/1344467520/how-to-start-a-podcast-e-book-planner    Connect with the host, Patrina Dixon   +Instagram https://www.instagram.com/itsmymoney_/    +Facebook https://www.facebook.com/profile.php?id=100013355082005    +Twitter https://twitter.com/itsmymoney_    +YouTube https://youtube.com/c/It%E2%80%99sMyMoneywithPatrinaDixon    +Pinterest https://pin.it/5x8rOTp    +Website http://www.itsmymoneyjournal.info/  Connect with guest, Brian Bristol   +Website   https://www.usepigeon.io/   

What do you do when you find out that you've been significantly overpaid at work and now owe your boss back lots of money? Stressful!! Glen and John discuss this question plus more including:

Welcome to Building Scale, the podcast that delves into the strategies and insights of successful leaders in the architecture, engineering, and construction industry. In this episode, we sit down with Jon Lowrence, CEO of One Freedom, a holding company that acquires profitable businesses related to construction. John shares his journey and the importance of scaling a business using people, process, and technology. He emphasizes the value of investing in IT maintenance, delegating tasks, maintaining relationships with previous owners, managing cash flow, and understanding the human element of doing business.Jon provides practical advice on the acquisition process, due diligence, and financing options for buying a business. He also stresses the importance of maintaining a good relationship with the previous owner and delegating tasks to increase productivity. The podcast highlights the importance of effective communication, culture, and investing in technology, including cybersecurity prevention.Don't miss out on this insightful episode that provides valuable insights for small and medium-sized business owners. Tune in to Building Scale and learn how to scale your business for success.Topic: Scaling a business using people, process, and technology.Episode Summary:- Interview with Jon Lawrence, CEO of One Freedom, a holding company that acquires businesses related to construction.- One Freedom's goal is to help individuals achieve the freedom they desire in their personal and professional lives.- Discussion of the process of acquiring already-established companies whose owners are retiring, burnt-out, or experiencing a breakup.- Importance of having an effective and streamlined process in buying a company.- Importance of owner financing and maintaining a good relationship with the previous owner after buying a business.- Importance of delegating tasks in a business to create more time and increase productivity.- Challenges small business owners face when transitioning ownership to someone else, including delegating tasks, trusting and training employees, and creating documented processes.- Importance of improving cash flow to fund the growth of a company.- Importance of communication in small and medium-sized businesses, rewarding desirable behaviors, and effective communication.- Need for difficult conversations with employees who exhibit undesirable behaviors in the workplace.- Importance of maintaining positive culture and investing in marketing and technology for a company's growth.- Importance of investing in cybersecurity prevention for businesses and outsourcing to professionals.- Importance of not comparing oneself to others in the journey of success. KEY POINTS[0:0:21] Unlock explosive growth in your AEC business with the proven strategies of successful leaders: harness people, process, and technology to skyrocket success.[0:1:29] Jon Lowrence, CEO of One Freedom, has a proven track record of driving rapid growth and achieving unprecedented success with his businesses, leveraging cutting-edge processes and strategies.[0:1:44] By tapping into a unique combination of traditional debt, owner financing, and private equity, entrepreneurs can unlock a powerful source of funds to fuel their business ventures.[0:1:44] By leveraging simple tactics such as automating emails, sending reminders, and recognizing good behavior, businesses can significantly improve their cash flow and optimize their accounts receivable - up to a staggering 20%.[0:4:30] Feel liberated from the shackles of your business with One Freedom - the ultimate solution for gaining time and financial freedom.[0:6:39] Acquiring an already-profitable business can be a smart, efficient way to jumpstart your entrepreneurial journey - especially when you target businesses whose owners are ready to retire, burnt out, or facing relationship issues.[0:20:36] By optimizing processes for efficiency and simplicity, businesses can experience remarkable growth through dramatically improved productivity and cost savings.[0:21:25] By investing in marketing and delegating tasks, small businesses can unlock their potential for massive growth.[0:22:16] To ensure business growth, savvy business leaders must be willing to make difficult, yet necessary, decisions and embrace transformative behavioral changes.[0:30:34] Fueling your business' expansion necessitates either cash reserves or debt, and judiciously managing accounts payable is essential to maximizing your cash flow.[0:38:21] By entrusting your IT responsibilities to experts, you can experience greater peace of mind and unleash boundless potential for business growth.[0:50:23] Through effective communication, difficult conversations can bring issues to light, enabling necessary change and a brighter future. Connect with Jon - Website: https://www.onefreedom.com/Email: Jon@onefreedom.com Connect with Justin & Will -Will's LinkedIn: https://www.linkedin.com/in/willforet/Justin's LinkedIn: https://www.linkedin.com/in/justneagle/Learn More & Connect With Spot Migration - Website: https://www.spotmigration.com LinkedIn: https://www.linkedin.com/company/spot-migrationFacebook: https://www.facebook.com/spotmigrationYoutube: https://www.youtube.com/c/Spotmigration

Albert Lee is the Director at Lend Connect; a Personal Loan service based in Sydney. We chat about the business, how to get a personal loan and much more. You can check out Albert's website here: Home - LendConnect You can visit our website here: www.moneysaverhomeloans.com.au/ our instagram pages: @fandpsurvivalguide  @moneysaverhomeloans The content discussed in this episode is general in nature, and doesn't take into consideration the individual circumstances of the listener. Any listeners should consider their personal situation and seek professional advice and assistance if needed

We're kicking off the week by answering listener questions! And if you have a question that you'd like for us to answer on the show, we'd love for you to submit your own via HowToMoney.com/ask , send us your voice memo. Regardless of how random or bizarre you might think it is, we want to hear it!   1 - I took out personal loans to start a BTC mining business: should I use Roth contributions to pay them off? 2 - Should I pursue travel nursing in order to double my salary? 3 - As a teacher, can I afford to invest more aggressively since I have a pension? 4 - Investing via Acorns: smart move or should I consider other providers? 5 - What are some benefits or tax write-offs as we've started a new business?   Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances: Knowing your ‘money gear' is a crucial part of your personal finance journey. Start here.  Sign up for the weekly HTM newsletter. It's fun, free, & practical. Join a thriving community of fellow money in the HTM Facebook group. Find the best credit card for you with our new credit card tool! Massively reduce your cell phone bill each month by switching to a discount provider like Mint Mobile. Don't be cheap and forego getting a life insurance policy. Compare rates with Policygenius.   During this episode we enjoyed a Lindemans Framboise! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you're not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!   Best friends out!See omnystudio.com/listener for privacy information.

Inflation is high, fuel prices are climbing once again and everyone is stressed. We will bring assurance that if you stick with the plan you will be fine. Answering your questions without bias or advertiser influence. Questions sent into us this week with a common theme around the rising cost of living, looming inflation, gas […]

Commercial vs personal loans - which one is better Thank you for listening to another episode of Wealth Game podcast. T he goal is to get informal yet actionable advice directly to business owners and investors. The episodes are intended to be short and simple to allow busy professionals to get right to the point of growing their wealth and reducing their taxes. For topic suggestions, questions to cover, or collaboration requests please email questions@wealthgamepodcast.com. For additional information and links to all available platforms please visit our website at www.wealthgamepodcast.com

What do you do when you are in a financial bind? 36% of Americans can't cover a $400 emergency with cash. There are somewhere around 21,000 cash advance locations around our communities throughout the US. There is a financial epidemic and it's costing us more than ever to borrow money in a pinch. Listen it to some of the statistics of personal loans, pay day cash advance and car title loans. You see the commercials and stores, now learn what you need to know about them. There is a cure for needing these kinds of terribly high cost loans. Questions@creditkristi.com

Kenny with Helicopter Online Ground School, LLC talks with Todd Smith, Director of Aviation Programs at Madisonville Community College. Todd explains many of the many available benefits of attending Flight Training through college courses!https://www.madisonville.kctcs.eduMD-Aviation01@kctcs.edu

The availability of formal short-term credit boosts financial well-being by helping people make ends meet when facing a temporary financial crisis. Ashish is an investment banker and CA by profession. His decade-long extensive experience in Portfolio Management combined with a deep understanding of growth and strategy led him to build one of India's leading consumer lending fintechs. EarlySalary is unique among its peers as it has its own in-house NBFC. Find out more about he scaled EarlySalary!Know about:- Identifying the product Tracking customer retention Fundraising journey Customised underwriting

Director in product development who loves to create products that help solve customers' pain points. In over 14 years of technology experience, I have taken different challenges in software development, from SDE, QA to Product Director, I have transitioned into a product leader role. I love taking challenges and finding satisfaction by creating simpler solutions for complex customer problems. In my current role at Amex, I am designing the Acquisition and onboarding experience for Personal Checking, Personal Savings and Personal Loans.

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Are you in dire need of creating your own personalized “BLUEPRINT” Call me at 516-600-0127. Lets Create your BLUEPRINT NOW.

It's time for some summer fun. But if you are thinking about adding big fun in the form of a recreational vehicle or boat, there are three big financial considerations: the price of oil and gas are up, interest rates on your loan are up, and those added costs like storage, insurance and maintenance. Host Teri Barr is talking with Annie Millerbernd, a Personal Loans Expert with NerdWallet, to learn about the different options to pay for your new Summer toy. They also discuss the "extras," things like storage and insurance, and why you need to add these items to your considerations list.  Previous Pennywise episodes featuring Annie: Pay Later Services? Myths and truths explained! More from Annie at NerdWallet: How to Finance Solar Panels New Laws, Lenders Boost Access to Affordable Small Loans How to Finance a Swimming Pool Support the show: https://omny.fm/shows/pennywise See omnystudio.com/listener for privacy information.

S A U N A I E Presents D E B T DON'T LiVE HERE ANYMORE Quotes: Wake Up With Determination & Go to Sleep with Satisfaction. 2nd: Regret is the thing we should fear most. Failure is an Answer. Rejection is an Answer. Regret is an Eternal Question you will never have the answer to. S E G M E N T S: DEBT DON'T LiVE HERE ANYMORE & 8 Tips - Americans are BURiED in Debt from Mortgages, Credit Cards, Personal Loans, Bills, and Student Loans, and the amount owed in total is on the rise. - In 2020, Experian reported that the average American owes approximately $92,727 in Total Debt—that's highest amount on record in the U.S. - Members of Generation X owes about $140,643, followed by Baby Boomers ($97,290) and Millennials ($87,448). Financial experts often recommend two ways to tackle debt. - The "Avalanche" method and the "Snowball" method. - An Avalanche approach means you Pay Off your Loans or Credit Cards with the Highest interest Rates First. You throw as much money as you can at them, and pay only the minimum on all your other loans. - The Snowball approach has you Tackle the Lowest Amount of Debt First, Pay it Off, and then Tackle the Next Loan. 2ND SEGMENT: Tips On Eliminating Debt 1. F A C E F A C T S - If you've been trying to make bills vanish by throwing them away unopened, then the 1st step is Accountability. You knew what you signed up for, this isn't your 1st rodeo or maybe it is but avoiding your bills won't make them go away. - Clear off your Desk or kitchen table and get out all your Loan Statements, Bills, & Budget—basically everything you can think of that relates to your Finances. Start Adding. 2. R E P A Y M E N T - Not all Debts are Created Equal. When making Your Plan, You'll need to Establish a Hierarchy among Your Debts & make a Plan Of Attack. Experts say to Target the High-interest Debt 1st; Non-Deductible, Low-interest Debt Next; and Tax-Deductible Debt Last. 3. Get The Damage Report - Check your credit Score and review your credit report for inaccuracies or patterns of bad behavior. You can get your credit rating the same way lenders, and landlords do—from each of the three credit bureaus - Experian, Equifax, and TransUnion. 4. Gaining Control - Get rid of Troublesome Accounts and Pay Down your overall debt on time. Use Automatic Payments & Tighten Up your Budget to get your debt under control. This will keep your credit rating from getting worse and, over time, will improve it. 5. Doubling Down - Whenever possible, Double Up the payments on your highest-interest debt. Although it's not quite as efficient as consolidating, Doubling Up on payments can speed up the payback period. Once you've eliminated the highest-interest debt, double up payments on the next-highest debt. This strategy is called a Debt Avalanche. H o u s e k e e p i n g New Merch is out - > www.SAUNAIE.com/store/ Digit Link - > https://digit.co/r/Z1jPwzPBzN?ad&twb=true --- Send in a voice message: https://anchor.fm/saunaie/message Support this podcast: https://anchor.fm/saunaie/support

According to Bank Negara's recently published 2021 annual report, Malaysian households have nearly 1.38 trillion ringgit worth of debt and a chunk of it are due to personal loans. Sim Wie Boon speaks to Idham Idris of Wealth Vantage Advisory to understand why people take it and get his thoughts on when personal loans are a good idea as well as when they are not. They also discuss the dangers of personal loans and how easy it can lead you into a debt trap. Image credit: Pixabay.com

Are you in dire need of creating your own personalized “BLUEPRINT” Call me at 516-600-0127. Lets Create your BLUEPRINT NOW. Register For Your Free Training Today Learn the 3 Secrets To Mastering an 800 Credit Score https://event.webinarjam.com/register/17/ygg41ar

More about David and PowerPayPowerPay is a digital lending platform for the home improvement industry. Our fully automated technology offers near-instant approvals on loans up to $100,000, helping homeowners translate expensive home improvement projects into low monthly fees that can be paid over time. Unlike other digital lending platforms, PowerPay is a fully independent company that is committed to delivering loans with no extra fees or added costs in order to offer the lowest monthly payment possible to our customers. After all, the more affordable the loan, the bigger the possibilities for your home.David has over 25 years of successful business experience and ownership of multiple lines of service. David has extensive experience working in the home services space - consumer financing for home improvements, comprehensive digital marketing, and web design.  Follow PowerPay on Twitter Connect with David on LinkedIn Check out PowerPay

In this episode, we are joined by Matt Lattman, Vice President of Personal Loans at Discover to discuss the results of a survey that looked at how Americans dealt with medical debt during the pandemic. Learn how to listen to The Hospital Finance Podcast® on your mobile device. Highlights of this episode include: Methodology for Read More

How to rage against the theft of your financial future. The credit vultures.

Margin Membership Sign-up: https://millennialmargin.com/learn/ How are your finances doing? Take the quiz: https://i2tvdm52vbg.typeform.com/to/YFcT68CWPart 2: There are four types of unsecured loan types that people typically take out to cover projects, emergencies, or shortfalls in their financial needs. These are a personal loan or signature loan, personal line of credit otherwise known as a PLOC, a credit card cash advance, and a Payday loan. We will be reviewing each type along with the pros and cons of each. Now not all unsecured loans are created equal, so you have to be especially careful to ensure that if you are utilizing an unsecured loan that makes sense for you.  Jared created Millennial Margin out of necessity, as he has watched countless people schedule-away, mortgage-up, and max-out their lives. Margin is simply the antithesis, providing leeway in an increasingly margin-less culture. Subscribe for daily tips and discussions about how to better manage your personal finances and, by extension, your margin. Listen to the podcast: https://margin.simplecast.com/ Have a question? Contact Jared at jared@millennialmargin.com Follow Millennial Margin: facebook.com/millennialmargin, instagram.com/millennialmargin1, or simply visit millennialmargin.com Goal/Disclaimer: My goal with [Margin] is to prepare you with the knowledge but then inspire you to act on that knowledge. My goal is to be in your corner bridging the gap between your trusted CPA, attorney, and financial planner. My advice is simply from my own personal experiences and is not meant to override or replace professional advice from your trusted investment professional. The content found here is for entertainment purposes only. W7E1 #personalloans #interestrates #loans

Margin Membership Sign-up: https://millennialmargin.com/learn/ How are your finances doing? Take the quiz: https://i2tvdm52vbg.typeform.com/to/YFcT68CWThere are four types of unsecured loan types that people typically take out to cover projects, emergencies, or shortfalls in their financial needs. These are a personal loan or signature loan, personal line of credit otherwise known as a PLOC, a credit card cash advance, and a Payday loan. We will be reviewing each type along with the pros and cons of each. Now not all unsecured loans are created equal, so you have to be especially careful to ensure that if you are utilizing an unsecured loan that makes sense for you. Jared created Millennial Margin out of necessity, as he has watched countless people schedule-away, mortgage-up, and max-out their lives. Margin is simply the antithesis, providing leeway in an increasingly margin-less culture. Subscribe for daily tips and discussions about how to better manage your personal finances and, by extension, your margin. Listen to the podcast: https://margin.simplecast.com/ Have a question? Contact Jared at jared@millennialmargin.com Follow Millennial Margin: facebook.com/millennialmargin, instagram.com/millennialmargin1, or simply visit millennialmargin.com Goal/Disclaimer: My goal with [Margin] is to prepare you with the knowledge but then inspire you to act on that knowledge. My goal is to be in your corner bridging the gap between your trusted CPA, attorney, and financial planner. My advice is simply from my own personal experiences and is not meant to override or replace professional advice from your trusted investment professional. The content found here is for entertainment purposes only. W7E1 #personalloans #interestrates #loans

Term Loan Application for Green card Holders: https://getfundedprogram.com/ Line Of credit: https://24hrfastfunding.com/line-of-c... Credit Repair: https://getfundedprogram.com/services... Loan for other Status: https://www.stilt.com/ Sign up for salesforce Business Analyst Training: https://sfbatraining.com/ In today's video, we are going to talk about whether or not you can get a personal Loan as a Non-U.S. Citizen. The short answer is “Yes.” There are, however, some restrictions which can make it a little more difficult. You also have to know where to look, because not all lending institutions will loan money to non-U.S. citizens. First of all let go over Why Most Lending Institutions Won't Lend to Non-U.S. Citizens? Generally, lenders consider non-U.S. citizens, regardless of their visa status, income, and financial stability, to be a high risk. Most visa holders are in this country for a limited time and, once they leave, U.S. laws don't always apply to them. While some lenders will consider an applicant's comprehensive profile in determining eligibility, most require at least a six-year credit history. Many banks will only issue a personal loan to a non-U.S. citizen if there is an eligible cosigner on the loan. Here is a list of 2 Lenders Who Offer Personal Loans to Non-U.S. Citizens: The requirements vary by lender, and you'll need to meet additional eligibility requirements past those listed in the table to be approved. Number1: 24hr fast funding Capital: To apply for a personal loan with 24hr fast funding, you need to be a Green Card holder. A green Card holder is someone who has been granted authorization to live and work in the United States on a permanent basis. As proof of that status, U.S. Citizenship and Immigration Services (USCIS) grants a person a permanent resident card, commonly called a "Green Card." You need to have a good credit score. At least 680. You are also require to have a good credit history and a good debt to income ratio, usually under 35%. I placed the link of 24 hr fast funding capital in the description below: The number 2 option to apply for a Personal Loans as a Non-U.S. Citizens is Stilt. Stilt is one of the more notable lenders in the nonresident space, a San Francisco-based Fintech firm that focuses on foreign national borrowers with limited or non-existent credit histories. Stilt offer loan to foreigners with the following statuses: CPT, OPT, H-1B, O-1, L-1, TN, J-1, or DACA Stilt has no minimum income requirement, but you need to have a full-time job or verifiable offer for starting one within the next 6 months. In addition to your credit score, Stilt considers your potential credit behavior based on such factors as your education background, work experience and savings rate. Borrowers with demonstrative good financial behavior and a high credit score can qualify for a rate as low as 10%, which is fairly standard for nonresident personal loans. I placed the link of Stilt in the description below: In conclusion If you are a foreign national in need of a personal loan, there is no need to despair because financing is available. The more prepared you are by compiling a credit profile and gathering documents, the better your chances of obtaining a loan. See you in the next video and until then keep smiling!

In this video, Rohit talks about how he tried to solve a real problem of our society with Data and Finance. Check out his: LinkedIn: https://in.linkedin.com/in/rohit-garg... Website: https://smartcoin.co.in/

LifeBlood: We talked about how personal loans work, how the industry has changed and evolved over the past 15 years, the most common reasons people utitlize them, and how the process works with Bobby Ritterbeck, President of Personal Loans with Best Egg Personal Loans.   Listen to learn why you should not feel ashamed about financial difficulty and be as communicative as possible with your lenders! You can learn more about Bobby at BestEgg.com, Facebook, Twitter, Instagram and LinkedIn. Thanks, as always for listening!  If you got some value and enjoyed the show, please leave us a review wherever you listen and subscribe as well.  You can learn more about us at MoneyAlignmentAcademy.com, Twitter, LinkedIn, Instagram, Pinterest, YouTube and Facebook or you'd like to be a guest on the show, contact George at Contact@GeorgeGrombacher.com.

Are you in dire need of creating your own personalized “BLUEPRINT” Call me at 516-600-0127. Lets Create your BLUEPRINT NOW. Join our podcast! Apple Podcast: https://podcasts.apple.com/us/podcast/the-best-credit-blueprint/id1589618519 Spotify: https://open.spotify.com/show/5wmg2yszHLBqgZJAioHs00 Click below to get your Free Credit Evaluation https://thebestcreditblueprint.com Get the Remastered Secret Lenders List! Https://thebestcreditblueprint.com

Cyrus Broacha takes you through various steps involved in buying a new home, which is generally seen to be quite a complex task. However, this show has got it down to three easy steps, explained in three episodes.Brought to you by Kotak Mahindra Home Loans, the podcast gives you a step-by-step insight into the entire process of home buying.Now get Kotak Home Loans at interest rate of 6.5% p.a.Terms and conditions apply.Check out Kotak Homeloans at Savings Accounts, Personal Loans and Credit Cards - Kotak Mahindra BankFollow Cyrus on Instagram & Twitter: https://www.instagram.com/cyrus_broacha and broacha_cyrusYou can listen to this show and other awesome shows on the new and improved IVM Podcasts App on Android: IVM Podcasts - Apps on Google Playor iOS: ‎IVM PodcastsSee omnystudio.com/listener for privacy information.

On this episode of Shunya One, Shiladitya and Amit talk to Rohit Garg, Co-Founder & CEO of SmartCoin. They talk about the early life of Rohit, how did he go about building something like Smartcoin. Shiladitya ask Rohit about what is the product like, what was the initial version of smartcoin, what issues did he see in fintech that he could solve through tech, what are the kind of factors they use before deciding whether the loan goes out and for a blank slate guy, what do they get from the moment they download the app. Further, they talk about how they look after data security on the platform and why getting access to good financial providing service is very important. Tune in for this and much more. Follow SmartCoin on Linkedin and Twitter:https://www.linkedin.com/company/smartcoin-financials/https://twitter.com/SmartCoinIndiaFollow Rohit Garg on Linkedin:https://www.linkedin.com/in/rohit-garg-23232415/Tweet to hosts @shiladitya & @doshiamit for your questions or reactions to this episode.http://ivmpodcasts.com/shunyaoneYou can listen to this show and other awesome shows on the IVM Podcasts app on Android: https://ivm.today/android or iOS: https://ivm.today/ios, or any other podcast app.You can check out our website at http://www.ivmpodcasts.com/

The MacVoices Live! panel of Jeff Gamet, Kelly Guimont, Jim Rea, Dave Ginsburg, Jay Miller, Brittany Smith, and Frank Petrie address a report that Apple is “requiring” employees to use personal devices for company business. The panel evaluates the truth of the report (which, at recording time, was coming from only one source), why it doesn't make sense given Apple's privacy positions, and why is just a bad idea for anyone working for any company, Apple or not. Then, we start a discussion our obsession with Tim Cook's replacement, whoever that is. The inevitable discussion of Tim vs. Steve Jobs as CEO rears its ugly head, along with a discussion of how the role of CEO has been redefined by Apple. (Part 1)    Today's MacVoices is sponsored by Upstart. Fair and fast personal loans. Go to upstart.com/macvoices and find out how Upstart can lower your monthly payments. Show Notes: Guests: Jeff Gamet is a technology blogger, podcaster, author, and public speaker. Previously, he was The Mac Observer's Managing Editor, and the TextExpander Evangelist for Smile. He has presented at Macworld Expo, RSA Conference, several WordCamp events, along with many other conferences. You can find him on several podcasts such as The Mac Show, The Big Show, MacVoices, Mac OS Ken, This Week in iOS, and more. Jeff is easy to find on social media as @jgamet on Twitter and Instagram, and jeffgamet on LinkedIn., and on his YouTube Channel at YouTube.com/jgamet. David Ginsburg is the host of the weekly podcast In Touch With iOS where he discusses all things iOS, iPhone, iPad, Apple TV, Apple Watch, and related technologies. He is an IT professional supporting Mac, iOS and Windows users. He is also President of the Suburban Chicago Apple Users Group. Visit his YouTube channel at https://youtube.com/daveg65 and find and follow him on Twitter @daveg65. Kelly Guimont is a podcaster and friend of the Rebel Alliance. She hosts the Daily Observations Podcast at MacObserver.com, and appears on The Incomparable network as well as hosts I Want My M(CU) TV. You can also hear her on The Aftershow with Mike Rose, and she still has more to say which she saves for Twitter. Jay Miller is a Developer Advocate and Podcaster based in San Diego, Ca. A multipotentialite, Jay enjoys finding unique ways to merge his fascination with productivity, automation, and development to create tools and content to serve the tech community.Hear him on his podcast, Conduit and Youtube.com/kjaymiller or checkout his web site at kjaymiller.com. Frank Petrie is an author and contributor to ScreenCastsOnline Magazine. Follow him on Twitter and check out his web site, ympnow.com. Jim Rea has been an independent Mac developer continuously since 1984. He is the founder of ProVUE Development, and the author of Panorama X, ProVUE's ultra fast RAM based database software for the macOS platform. Follow Jim at provue.com and via @provuejim on Twitter. Brittany Smith is a cognitive neuroscientist who provides a variety of consulting services through her business, Devise and Conquer that includes ADD/ADHD coaching, technology coaching, productivity consulting, and more. She is a self-designated “well-rounded geek”, and holds a M.S. degree in Cognitive Neuroscience. She can be found on Twitter as @addliberator. Check out her latest project, a YouTube channel of tech tips.   Support:      Become a MacVoices Patron on Patreon     http://patreon.com/macvoices      Enjoy this episode? Make a one-time donation with PayPal Connect:      Web:     http://macvoices.com      Twitter:     http://www.twitter.com/chuckjoiner     http://www.twitter.com/macvoices      Facebook:     http://www.facebook.com/chuck.joiner      MacVoices Page on Facebook:     http://www.facebook.com/macvoices/      MacVoices Group on Facebook:     http://www.facebook.com/groups/macvoice      LinkedIn:     https://www.linkedin.com/in/chuckjoiner/      Instagram:     https://www.instagram.com/chuckjoiner/ Subscribe:      Audio in iTunes     Video in iTunes      Subscribe manually via iTunes or any podcatcher:      Audio: http://www.macvoices.com/rss/macvoicesrss      Video: http://www.macvoices.com/rss/macvoicesvideorss

The MacVoices Live! panel of Jeff Gamet, Kelly Guimont, Jim Rea, Dave Ginsburg, Jay Miller, Brittany Smith, and Frank Petrie address a report that Apple is “requiring” employees to use personal devices for company business. The panel evaluates the truth of the report (which, at recording time, was coming from only one source), why it doesn't make sense given Apple's privacy positions, and why is just a bad idea for anyone working for any company, Apple or not. Then, we start a discussion our obsession with Tim Cook's replacement, whoever that is. The inevitable discussion of Tim vs. Steve Jobs as CEO rears its ugly head, along with a discussion of how the role of CEO has been redefined by Apple. (Part 1)    Today's MacVoices is sponsored by Upstart. Fair and fast personal loans. Go to upstart.com/macvoices and find out how Upstart can lower your monthly payments. Show Notes: Guests: Jeff Gamet is a technology blogger, podcaster, author, and public speaker. Previously, he was The Mac Observer's Managing Editor, and the TextExpander Evangelist for Smile. He has presented at Macworld Expo, RSA Conference, several WordCamp events, along with many other conferences. You can find him on several podcasts such as The Mac Show, The Big Show, MacVoices, Mac OS Ken, This Week in iOS, and more. Jeff is easy to find on social media as @jgamet on Twitter and Instagram, and jeffgamet on LinkedIn., and on his YouTube Channel at YouTube.com/jgamet. David Ginsburg is the host of the weekly podcast In Touch With iOS where he discusses all things iOS, iPhone, iPad, Apple TV, Apple Watch, and related technologies. He is an IT professional supporting Mac, iOS and Windows users. He is also President of the Suburban Chicago Apple Users Group. Visit his YouTube channel at https://youtube.com/daveg65 and find and follow him on Twitter @daveg65. Kelly Guimont is a podcaster and friend of the Rebel Alliance. She hosts the Daily Observations Podcast at MacObserver.com, and appears on The Incomparable network as well as hosts I Want My M(CU) TV. You can also hear her on The Aftershow with Mike Rose, and she still has more to say which she saves for Twitter. Jay Miller is a Developer Advocate and Podcaster based in San Diego, Ca. A multipotentialite, Jay enjoys finding unique ways to merge his fascination with productivity, automation, and development to create tools and content to serve the tech community.Hear him on his podcast, Conduit and Youtube.com/kjaymiller or checkout his web site at kjaymiller.com. Frank Petrie is an author and contributor to ScreenCastsOnline Magazine. Follow him on Twitter and check out his web site, ympnow.com. Jim Rea has been an independent Mac developer continuously since 1984. He is the founder of ProVUE Development, and the author of Panorama X, ProVUE's ultra fast RAM based database software for the macOS platform. Follow Jim at provue.com and via @provuejim on Twitter. Brittany Smith is a cognitive neuroscientist who provides a variety of consulting services through her business, Devise and Conquer that includes ADD/ADHD coaching, technology coaching, productivity consulting, and more. She is a self-designated “well-rounded geek”, and holds a M.S. degree in Cognitive Neuroscience. She can be found on Twitter as @addliberator. Check out her latest project, a YouTube channel of tech tips.   Support:      Become a MacVoices Patron on Patreon     http://patreon.com/macvoices      Enjoy this episode? Make a one-time donation with PayPal Connect:      Web:     http://macvoices.com      Twitter:     http://www.twitter.com/chuckjoiner     http://www.twitter.com/macvoices      Facebook:     http://www.facebook.com/chuck.joiner      MacVoices Page on Facebook:     http://www.facebook.com/macvoices/      MacVoices Group on Facebook:     http://www.facebook.com/groups/macvoice      LinkedIn:     https://www.linkedin.com/in/chuckjoiner/      Instagram:     https://www.instagram.com/chuckjoiner/ Subscribe:      Audio in iTunes     Video in iTunes      Subscribe manually via iTunes or any podcatcher:      Audio: http://www.macvoices.com/rss/macvoicesrss      Video: http://www.macvoices.com/rss/macvoicesvideorss

Find out what's happening in our area! This morning we will be speaking about with Bill Thena from Financial Plus Credit Union discussing Personal Loans. Stay Safe, Stay Healthy, Shop Local, Buy Local and Discover Flint Township!

Discover Flint Township 071121 FPCU and the Mobility Center This morning we will be speaking about with Bill Thena from Financial Plus Credit Union discussing Personal Loans. We will also shine our Guaranteed Rate business spotlight on Ken Eick from the Mobility Center. Stay Safe, Stay Healthy, Shop Local, Buy Local and Discover Flint Township!

The bank warns customers that the account closures "may have an impact" on their credit scores. Learn more about your ad choices. Visit megaphone.fm/adchoices

The Premier League Hall of Fame shortlist will be whittled down from a shortlist of 23 to a final 6 to join Thierry Henry and Alan Shearer as the initial inductees into an incredibly honourable list and group. The boys work through their own selections, debate who they picked, who they didn't, and what makes a true legend in the initial era of the greatest football league on the planet. Greater Geelong Finance is the executive sponsor of the One Take Podcast. Greater Geelong Finance's aim is to provide their clients with choice and a simplified lending process for Home, Investment, Commercial, Business, Car and Personal Loans. Let them do the hard work for you, review the market, deal with the banks and find the best financial solutions for your personal situation. Specialising in residential home loans and refinancing, Greater Geelong Finance would love to help you achieve your financial dreams. Book an appointment today at greatergeelongfinance.com.au or give them a call on 0437 095 312.

The stock market has been soaring, but investors may still have plenty to worry about when it comes to the threat of inflation. Today's Stocks & Topics: SWIM - Latham Group Inc., POOL - Pool Corp., KHC - Kraft Heinz Co., Value vs. Growth, USO - U.S. Oil Fund LP, PTON - Peloton Interactive Inc., HCA - HCA Healthcare Inc., Personal Loans, XLB - Materials Select Sector SPDR ETF, NYCB - New York Community Bancorp Inc., FBC - Flagstar Bancorp Inc., Mistakes on Saving Money for Retirement. TRIVIA QUESTION: "How do we define inflation-- and does the threat of inflation give us a large motivation to invest?" Support this podcast at — https://redcircle.com/investtalk-investment-in-stock-market-financial-planning/donations Advertising Inquiries: https://redcircle.com/brands Privacy & Opt-Out: https://redcircle.com/privacy

Joe, Robbo and Adam return for Liquid Football as they discuss: - the weekend's Premier League action - have Leicester taken a step forward? - how can the chasing pack catch Manchester City? - what do they need to add this summer? - is the top 4 now set? - can Brentford get promoted? - weekend Predictions Greater Geelong Finance is the executive sponsor of the One Take Podcast. Greater Geelong Finance's aim is to provide their clients with choice and a simplified lending process for Home, Investment, Commercial, Business, Car and Personal Loans. Let them do the hard work for you, review the market, deal with the banks and find the best financial solutions for your personal situation. Specialising in residential home loans and refinancing, Greater Geelong Finance would love to help you achieve your financial dreams. Book an appointment today at greatergeelongfinance.com.au or give them a call on 0437 095 312.

Joseph Kahn: Prolific music video director and director of Torque, Detention and Bodied, Joseph Kahn JOINS THE SHOW! You don't want to miss this interview.Uber Driver Choked REDUX: We pick up where we left off with the Uber driver getting choked by a crazy lady from Part 1.Nip Up: We get a taste of our commentary of the Nicholas Cage banger, NEXT, currently on our Patreon. Also the birthday cake smashes! LET'S GO!FAST COOK!, LAWS OF PHYSICS!, MAGIC GRITS!, MY COUSIN VINNY!, JUGGERNAUT!, JESSIE BLAZE!, STREAMATHON!, 5 HOURS IN!, COCK HUNGRY!, JOE BIDEN!, STONER THOUGHTS!, SPOTIFY!, WEED!, MARIJUANA!, HEMP PAPER!, SEEDS!, SET THE RECORD STRAIGHT JIM!, DROP IN!, JOSEPH KAHN!, CAT SMILEY!, TORQUE!, DETENTION!, BODIED!, KOREAN SNACK!, BEEFING WITH!, BAD BOY!, PULL NO PUNCHES!, MARVEL!, HOLLYWOOD SYSTEM!, PLAY BY THE RULES!, MONEY!, COMMERCIALS!, ECOSYSTEMS!, EXECUTIVES!, SOCIAL MEDIA!, CONTROVERSIAL!, CANCELLED!, TAYLOR SWIFT!, CODE!, RESERVED!, EDGY!, RESPECTFUL!, ASPIRE TO!, FAMILY!, DAUGHTER!, TIME AWAY FROM FAMILY!, FILMMAKING!, JJ ABRAMS!, STAR WARS!, GAMBLE!, ALL IN!, COLLEGE!, PERSONAL LOANS!, INVESTORS!, HISTORY BOOKS!, VISION!, UNINHIBITED!, COMMENTARY!, SUPER CONFIDENT!, CRAFT!, PERSONAL!, TV SHOWS!, SHOWRUNNER!, HAPPY!, CRAZY EX-GIRLFRIEND!, RICE COOKIE!, THE UNTOUCHABLES!, PORN!, GONZO!, STORYLINE!, ACCESS!, VISUALLY!, SEXUAL ACTS!, FUCKS UP DUDES!, BIRTHRATE!, EARLY 80S!, FILM!, PUBERTY!, SCORED!, HAIR!, ASSHOLES!, CRYPTO!, NFT!, FUTURE!, STOCKS!, ASIAN!, GET AN A!, GRADES!, COLLEGE!, CALCULATION!, GET RICH!, STUDIO!, TORQUE!, LOSE EVERYTHING!, DIRTY SECRET!, BROKE!, INVESTMENTS!, TOO HOLLYWOOD!, LAUGHING AT!, LAUGHING WITH!, YOUNGER!, PISSED OFF!, FUCK YOU FILM!, PRODUCT PLACEMENT!, PEPSI!, LOS ANGELES!, CALIFORNIA!, FLEE!, TAXES!, TEXAS!, WHAT IS THE CAT!?, MESSAGE TO ALL YOUR HATERS!, TOP OF HIS CRAFT!, POWER RANGERS!, JAMES VAN DER BEEK!, STARBUCK!, THE MOVIE CRYPT!, EXPOSED!, BRANDEN CARR!, BC!, DAN HARMON!, HARASS A FEMALE!, UBER!, SUE!, PAIN AND SUFFERING!, MONEY!, LAWSUIT!, BOBCAT!, UPDATE!, RABIES SHOTS!, 30 SHOTS!, GAY FROGS!, ALEX JONES!, VAMPIRE!, BANDANA ON NECK!, RATIONALIZE!, KIP UP!, NIP UP!, NEXT!, NICHOLAS CAGE!, COMMENTARY!, PATREON!, JULIANNE MOORE!, TRAGICALLY HIP!, BIRTHDAY CAKE SMASH!, FACE SMASH!, ATTACK!, RITUAL!, INDONESIAN BIRTHDAY BOY!, FLOUR!, EGGS!, SAD!, MERCH!You can find the videos from this episode at our Discord RIGHT HERE!

Current Affairs programme which provides listeners with the latest local and International news hosted by Elvis Preslin. Tune in 104-107 every Saturday and Sunday morning from 6 to 7 am

Jared created Millennial Margin out of necessity, as he has watched countless people schedule-away, mortgage-up, and max-out their lives. Margin is simply the antithesis, providing leeway in an increasingly margin-less culture. Subscribe for daily tips and discussions about how to better manage your personal finances and, by extension, your margin. Have a question? Contact Jared at jared@millennialmargin.com Follow Millennial Margin: facebook.com/millennialmargin, instagram.com/millennialmargin, or simply visit millennialmargin.com Goal/Disclaimer: My goal with [Margin] is to prepare you with the knowledge but then inspire you to act on that knowledge. My goal is to be in your corner bridging the gap between your trusted CPA, attorney, and financial planner. My advice is simply from my own personal experiences and is not meant to override or replace professional advice from your trusted investment professional. The content found here is for entertainment purposes only. W7E5

Jared created Millennial Margin out of necessity, as he has watched countless people schedule-away, mortgage-up, and max-out their lives. Margin is simply the antithesis, providing leeway in an increasingly margin-less culture. Subscribe for daily tips and discussions about how to better manage your personal finances and, by extension, your margin. Have a question? Contact Jared at jared@millennialmargin.com Follow Millennial Margin: facebook.com/millennialmargin, instagram.com/millennialmargin, or simply visit millennialmargin.com Goal/Disclaimer: My goal with [Margin] is to prepare you with the knowledge but then inspire you to act on that knowledge. My goal is to be in your corner bridging the gap between your trusted CPA, attorney, and financial planner. My advice is simply from my own personal experiences and is not meant to override or replace professional advice from your trusted investment professional. The content found here is for entertainment purposes only. W7E4

I remember being evicted from my first apartment in Lexington, Kentucky. With no credit as a non-US IMG, I subleased an apartment from a friend… Sounded like a good idea at first, right? Talk about shame ... Well, money problems happen to all of us, but as IMG's, finding funding for personal expenses is almost unheard of. So today on the podcast I introduce to you a PHYSICIAN LOAN for physicians by physicians! What does this mean? Doctors understand the debt student doctors and residents need to furnish different parts of their lives outside of student loans. This is why I invited Dr. Zwade Marshall a Harvard train anesthesiologist and pain management specialist with origins in the country of Guyana. He is the co-founder of Doc2Doc Lending. Doc2Doc lending helps you access the capital you need through a stress free application designed for doctors by doctors. It is a simple application process which can be done online in under 4-5 mins. Doc2Doc lending doesn't only focus on your FICO score but also physician specific facts to determine your creditworthiness. No cosigners needed, unique metrics, fixed interest rates and flexible terms makes it appealing for me to share with you! Oh and did I mention, some visa (H1B, OPT) candidates are eligible as well! Listen to today's episode to learn more about this option for personal loans for IMG's. If you are interested in signing up, I am an affiliate with them and you can sign up using my referral link https://doc2doclending.com/drninalum/ as this episode is sponsored by them as well! Oh and if you want to know what happened to me after I got evicted, it's a long story, but let's just say motels became familiar home for at least 3 weeks of intern year. Gosh, I have been through some stuff! Stay tuned for the rest of my story! --- Support this podcast: https://anchor.fm/ninalum/support

Mike WeinbachSenior Executive Vice President, CEO of Consumer Lending Wells Fargo & CompanyMike Weinbach is the CEO of Consumer Lending and a member of the Operating Committee at Wells Fargo. He is responsible for leading more than 30,000 team members focused on providing consumer lending products and services, including Home Lending, Auto, Credit Cards & Merchant Services, Education Finance, and Personal Loans. He is based in New York.Throughout his 20-plus year career in financial services, Mike has demonstrated a passion for leadership, helping consumers succeed, and delivering superior customer experiences. He joined Wells Fargo in 2020 after 16 years at JPMorgan Chase, where he most recently served as CEO of Chase Home Lending. While at Chase, Mike also held leadership roles across Consumer Banking, Business Banking, Home Lending and Auto Finance in sales, finance, branch management and operations.Before joining Chase, Mike founded a business focused on workplace motivation and held positions at Citigroup. He is a graduate of the Wharton School at the University of Pennsylvania and earned his MBA at Harvard Business School.

 Most credit unions continue to wrestle with too many deposits and too few places to park that money profitably.  Call this Part 3 of the CU2.0 deep dive into lending in the pandemic era and that is because Barclay Keith, CEO of Artis Technologies, has developed tools that will enable a credit union to empower business members - think home improvement retailers, contractors, jewelers, etc. - to initiate personal loans to consumers, typically in the range of $3000 to $65,000.For the credit union, this just may be a high yield lending arena that also may well bring in new members.For the business, a fast, convenient way for a shopper to borrow may bring in bigger and more sales.For the consumer, this may be a quick and easy way to borrow at competitive rates.Win-win-win.For the consumer it typically takes minutes to complete a loan app, a process that can be initiated and completed at the retailer.  The underwriting is AI powered, there's instant KYC verification, and the lending institution - the credit union - gets to set its own policies. Some may not want to lend to subprime borrowers, others may.  Some may want to lend only to super-prime borrowers, many will have a broader standard. Artis Technologies lets the lending institution set the policies it is comfortable with.The conversation with Keith in this podcast is a broad look at how the Artis tools work and the benefits that may come to credit unions that deploy them.Part 1 of the new lending tactics series is #113 with Sherif Hassan on small business lending.  Part 2 is #114 with Nicholas Hinrichsen on opportunities in refinancing car loans and also lending to subprime car buyers.   You know you have money on hand you want to put to work.  Listen to the CU2.0 trilogy for ideas you can use today.Barking alert:  There is some barking and growling in this podcast, noises that defied filtering software used in editing the podcast.  The podcast is clearly audible.  And no animals were injured in recording the podcast.Listen up.Like what you are hearing? Find out how you can help sponsor this podcast here. Very affordable sponsorship packages are available. Email rjmcgarvey@gmail.comAnd like this podcast on whatever service you use to stream it. That matters.Find out more about CU2.0 and the digital transformation of credit unions here. It's a journey every credit union needs to take. Pronto

What are the differences between personal loans and credit cards? Are there advantages, disadvantages?

Listen to the fourth episode of Equifax's new podcast: Equifax CreditTalks. Hosted by Ilyce Glink, CreditTalks helps you better understand our evolving financial world.Topics discussed in this episode: 00:00 Introduction to podcast guests and topics for discussion01:29 Which industries are being hit the hardest03:36 How employers and employees are coping05:39 Are the loan accommodations working08:27 How the average person is currently dealing with the recession11:19 Immediate financial advice for weathering the recession 13:55 Long term financial advice for thriving after the recession is over18:14 Financial readiness and how to emerge from the pandemic financially stronger21:41 Podcast closing remarks 

Rateweb | As we trudge through our daily lives and executing our businesses, investment is key in almost every decision we make.A bad investment can ruin not only your life and business but generations that may come way after you.It is crucial to know what distinguishes the majority of rich South Africans. They simply know which assets to invest in.Rateweb.co.zaYou can learn more at Rateweb about Personal Loans, Business Loans, and Online Brokers

Rateweb | After a rough 2019, most people hoped that 2020 will be a better year for them. Hopefully, a year full of achievements and fulfilment of goals.Then came the microscopic, lethal and cataclysmic coronavirus beckoning on our doorsteps and just like that all the hopes for a positive year were flushed down the drain.2020 has pushed the economy to the brink of collapse, with millions facing unemployment and business closures inevitable. Even with all that, the rich are growing more affluent when the world around them is collapsing. Let's discuss how it has been possible for rich South Africans to make money during COVID 19.14 ways rich South Africans are making money during Covid 19You can learn more at Rateweb about Personal Loans, Business Loans, and Online Brokers

Rateweb| The effects of Covid-19 lockdown have left a lot of South Africans financially strained. Scores of people have lost their jobs while those still working have accepted the salary cuts and fewer working hours.These effects should get you thinking about your relationship with money, how you can best manage your finances. If you were not saving, you might be also thinking that it would have been better if you had saved for a rainy day.15 best ways to save money after Covid-19You can learn more at Rateweb about Personal Loans, Business Loans, and Online Brokers

Rateweb | Real Estate Investing has proven to be one of the best businesses to invest in the world over.The trade has bred billionaires.You cannot go wrong with real Estate Investing in South Africa.You might be wondering which is the best investment in South Africa.Well, Real Estate is not only the safest investment in South Africa but overwhelmingly the best.Here's the look at 10 reasons why Real Estate is the best investment in South Africa.Link to articleYou can learn more at Rateweb about Personal Loans, Business Loans, and Online Brokers

Rateweb | Starting a new job or about to have a salary review or looking forward to getting a promotion?Salary negotiation can feel like a whole session of physical exercise. The anticipation before negotiations take place can give you sleepless nights.It's hard to go to your boss to ask for a salary increase in the first place. Questions like should I ask for a salary increase in this economic climate?Am I really worthy of a promotion that comes with a salary increase?How much should I ask for?These questions increase the doubt of getting a salary increase or even fears of getting fired.No matter how afraid you are, at some point you will need to ask for a salary increase. Otherwise, you will work for the same salary even if you are worth more than that.Your peers who do the same job will be getting more money than you because of fear or lack of negotiation skills.It's not surprising to find 2 employees working the same job but earning different salaries. The secret is in the art of negotiationIt is time to move from your comfort zone and get remuneration befitting your skills. These 7 tips will help you negotiate your salary in a smart way.Full Article on Rateweb.co.zaYou can learn more at Rateweb about Personal Loans, Business Loans, and Online Brokers

Today on Real-World Branding, Sabrina shares insights from her career journey, how the Best Egg brand was built, and what they are doing in this peculiar moment to keep things moving for the team and their customers.As Chief Strategy Officer, Sabrina leads the development of the company's customer-centric growth strategy. In addition, she is responsible for […] The post Supporting Your Customers Through COVID-19 – Sabrina DeVito – Chief Strategy Officer of Marlette Funding (Best Egg Personal Loans) appeared first on Finch Brands.

Saunders Jones III is the Chief Lending Officer for Coosa Valley Credit Union. While he is responsible for managing all lending areas of Coosa Valley (Auto Loans, Credit Cards, Personal Loans, Mortgages, and Business Loans), his true heart is in helping small business owners and real estate investors. He has helped hundreds of his clients […] The post Saunders Jones of Coosa Valley Credit Union, Todd Bussey of Bussey Florist, and Barry Henderson of Henderson and Sons Funeral Home appeared first on Business RadioX ®.

"Growing up in a country that has been credit starved"- Satyam Kumar. Satyam is the CEO & Co-founder of Loan Tap a digital lending platform for salaried employees. They are one of the fastest growing Fintech startups in India. So in this episode he talks raising $22 million in funding from bootstrapping the business 3 years ago. The Indian lending ecosystem, shares digital marketing strategies including Diwali marketing tips. He talks about mistakes startups make when pitching for investment. Learn how they deal with fraud. He also shares excellent financial advice and finally some Amitabh Bachchan chat. in this conversation we also talk about: Bootstrap strategies Creating customer awareness Wedding loans Being profitable Book recommendation - Measure What matters:OKR's John Dorr Indian Poetry Fintech startup advice After raising $22 million is it pressure on or off Thoughts on Bitcoin https://loantap.in This episode is brought to you by Manning. Manning is an independent publisher of computer books and video courses for software developers, engineers, architects, system administrators, managers and all who are professionally involved with the computer business. Now you can get 40% off all Manning products use discount code podinstartup19 https://www.manning.com/ I use Manning in my own software development career, It has helped me build awesome web apps , mobile apps , voice apps, helps me debug code, getting my head around Test driven development and prepare for those technical pair programming interviews and much much more , so it's great to have them onboard. Latest Manning Titles include Zero to AI, Fighting Churn with Data, and Machine Learning for Business Manning Publications now offers regional pricing for Indian residents. Check out https://www.manning.com/ for pricing in Rupees. So if you want to build the next big thing check out https://www.manning.com/ and use discount code podinstartup19 you will get 40% off off all Manning products.

Our expert panel discusses the mis-selling of payment protection insurance to millions of customers and the debt crisis facing Greece and threatening the euro