Podcasts about personal loans

We sat down with Matt Potere, CEO of Happy Money, to discuss the staggering $17.5 trillion of consumer debt in the US, and Happy Money's recent Credit Check-In study which analyzed consumer financial stress. The high percentage of consumer credit card debt creates an opportunity for FIs to alleviate consumer stress through personal loans. We deep dive into how this asset base builds long-term customers for FIs. Send us a textPresented by Remedy ConsultingFor more information on BankTalk:BankTalk WebsiteSubscribe to BankTalk NewsRemedy Consulting WebsiteRemedy LinkedInTo speak on the BankTalk Podcast, please email us.

Counting Down the Top Ten Old Money Episodes! While Old Money is on Summer Vacation, join us for the encore presentation of Episode 18: Drowning in Credit Card Debt: Healing Habits & Personal Loans, originally released October 2023. ----------------------------JOIN THE VIP LISTSign up for the Old Money newsletter now to be hooked up with news, updates, bonus offers & discount codes! OldMoneyPodcast.com/newsletter----------------------------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 ConferenceBehind the scenes of Amber's business transformation at AFMKTG Advice on getting out of credit card debt Amber's personal experience with credit card debt Healing habit #1: EFT tappingHealing habit #2: JournalingThe dark truth behind student loans Self-forgiveness and deciding to break free from debt Paying off debt: The Basics Considerations before taking out a personal loan and consolidating debt The pros and cons of debt consolidation through a personal loan Getting approved for a personal loan ----------------------------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----------------------------Connect with the Old Money Podcast:Web: OldMoneyPodcast.comEmail: OldMoneyPodcast@gmail.comInstagram: @OldMoneyPodcastTikTok: @OldMoneyPodcast----------------------------Copyright (c) Old Money 2025. 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.

New figures from the Central Bank show that a record €2.5 billion was taken out in personal loans by Irish households. A large amount of loans for car and house loans. We discuss these figure with Paul Merriman, CEO of Fairstone Ireland aka Ask Paul.

Debt Redemption Texas Debt Relief (800-971-4060) can help you reduce high-interest debt quickly - often in as little as 24 to 48 months! Find out more at: https://debtredemption.com/ Debt Redemption Texas Debt Relief City: San Antonio Address: 40 NE Interstate 410 Loop, Suite 565 Website: https://debtredemption.com/

Banks are moving on mortgage repayment relief following the Reserve Bank's rate cut call. Holders of other types of loans may also benefit, but others stand to lose. Listen to SBS Sinhala podcast for more information. - ඕස්ට්‍රේලියානු මහබැංකුව පසුගියදා පොලී අනුපාත කප්පාදුවක් ප්‍රකාශයට පත් කළා. මේ අනුව මෙහි සම්පූර්ණ ප්‍රතිලාබය නිවාස හිමියන්ට ලබාදෙන බවට ඕස්ට්‍රේලියාවේ ප්‍රධාන බැංකු හතරම ප්‍රකාශ කර තිබෙනවා. කෙසේ උවත් මෙම පොලී අනුපාත කප්පාදුව පුද්ගලික ණය සහ මෝටර් රථ ණය සඳහා කෙසේ බලපානු ඇතිද යන්න සම්බන්දයෙන් කරුණු විමසා සිටීම වැදගත් වනවා. ඒ වගේම පොලී අනුපාත කප්පාදුව ඉතුරුම් ගිණුම් සඳහාවන පොලී අනුපාත සඳහා බලපාන අකාරය පිලිබදවත් කරුණු විමසීම මෙහිදී වැදගත් වනවා.

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

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

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

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

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

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.

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

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

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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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

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

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