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2 episodes with your credit score
2 episodes with your credit score
3 episodes with your credit score
#newepisode #entrepreneur #podcast #scam Subscribe to join a community of Sucking T****** Comedy Podcast on Spotify & All Platforms. Off N Beat W/ Clint Nelson is a Solo Unedited Podcast Full of Puns & Loves Podcasting. Come Subscribe & Join this unique Nonstop mind of thoughts. Enjoy! Timestamps Below: (0:00) Back From Hiatus (1:40) "I don't really have New Opinions" (4:30) Aaron Rodgers is Just EXAUSTING... (16:08) BTS of pre show incompetence (17:35) Consumerism: Deceptive Retail Tactics to TRICK customers (19:05) Clint Loses His S***!!(Raw Footage) (20:45) BACK to Consumerism (25:50) Day Trading Update! & SCAM Day Trading Content on YouTube Thoughts! (34:45) "Never Happy with Enough" (40:45) "i just wanna watch something with NO STAKES IN IT" (44:00) Clint Goes OFF on BANKS Loan Process!! (46:20) "I HAVE A 790 CREDIT SCORE!!!" (52:00) "I want the Bank to F*** Me" (58:20) "Your Credit Score means ABSOLUTELY NOTHING" (1:02:15) Being 200 pounds with No Glutes (1:04:40) "I'm not sure what i enjoy Right now" & More!https://youtu.be/BkJWYMjYc0o (Link to YouTube Video, Join the Video Community by subscribing and leaving a thumbs up if you enjoyed, thank you!)
Your retirement? You could wing it, but that's not you. Design Your Future. Join our Design Your New Life in Retirement Program – two new groups start in January. Learn more _______________________ To retire or to work longer? There's another option that may be just right for you - semi-retirement. We catch up with Liz Weston, who retired from NerdWallet earlier this year on how its working for her - and what you can learn from her experience. Liz Weston joins us from California. _______________________ Bio Liz Weston is an award-winning personal finance columnist, speaker, commentator and author of several books about money. She earned the Certified Financial Planner® designation in 2016. Her question-and-answer column “Money Talk” appears in newspapers throughout the country, including the Los Angeles Times, the San Diego Union-Tribune, Palm Beach Post and the Oregonian. Liz Weston's book “Your Credit Score” is a national best-seller now in its fifth edition. The New York Times called one of her other books, “The 10 Commandments of Money: Survive and Thrive in the New Economy,” a “wonderful basic personal finance book…supportive of people struggling to understand these topics and trying to make ends meet.” You may have heard Liz Weston on public radio as she's contributed to American Public Media's “Marketplace Money,” and NPR's “Talk of the Nation” and “All Things Considered.” She's appeared on “Dr. Phil,” “Today Show” and NBC Nightly News, and was for several years a weekly commentator on CNBC's “Power Lunch.” ________________________ For More on Liz Weston Ask Liz Weston _______________________ Podcast Episodes You May Like Retiring: Creating a Life That Works for You – Teresa Amabile The Balancing Act in Retirement – Stew Friedman The Portfolio Life – Christina Wallace The Joy You Make – Steven Petrow _______________________ On Deciding to Retire...and Joy "I think what surprised me the most is how fun this is. That was what I was really worried about - what would retirement be like? So many people are rushing towards it, and they don't really think about what life will be like afterwards. And I was thinking a lot about how I would spend my time, what I would do, what the challenges might be, and what's caught me by surprise is just this feeling of joy. I feel like a kid on the first day of summer vacation, and I know this won't last. Everything changes. This is kind of the honeymoon period, but yeah, it's really fun.Well, I'm incredibly blessed and lucky that the financial stuff was in place. It was taken care of, and it allowed me to retire a little bit earlier than the norm. But again, the other thing that surprised me was how hard that decision was to make, because I really loved what I did...And then a friend and former colleague of mine died in a car accident. And he was only 61 and we'd spent a lot of time talking about what we were going to do in retirement. And it brought home the fact that we don't have infinite time." On Semi-Retirement - and Off-Ramps "I think it's the best option, especially, if you like what you do, and you have skills that can continue on in retirement where you don't need to work full-time. I had really wanted an off-ramp from my job at NerdWallet, and they didn't support working part-time. So that was kind of a difficult thing to wrap my head around and realize, okay, I don't have this option, so this was the next best. A lot of companies, though, do have some kind of off-ramp, and I think it helps people a lot because you keep your foot in the workplace, you can have continuing, you know, because social interaction is so important, you can have that part of your identity still remain intact so you have that sense of purpose. You're making some money, which for a lot of people is really important to make their money last, but you're starting the process of exiting. And just as a rant on the side,
Whether you are applying for a new cell phone plan or a mortgage, your potential creditors want to understand your financial history and your ability to repay debt. Your credit score and report will help them decide whether they want to do business with you. But most people don't know a lot about their credit report and credit score. Today's podcast looks at the difference between the two and how you can improve your score. Licensed Insolvency Trustee, Brenda Wood, also covers the following topics:Why you should be checking your credit report oftenThe difference between a hard and soft credit hitWhat shows up on a credit reportHow scores are calculated and why they fluctuateWhat is a credit rating and where it appearsThings you can do to improve your scoreLicensed Insolvency Trustees are federally regulated and follow a strict code of ethics as well as government regulations. From budgeting to Bankruptcy, you can be assured of unbiased, non-judgemental advice.About Brenda WoodBrenda started in the insolvency industry in 1995 and earned her Licensed Insolvency Trustee designation in 2006. She has a long history of volunteering with the Canadian Association of Insolvency and Restructuring Professionals (CAIRP) where she has served as a member and presented at events. Brenda received the CAIRP Outstanding Volunteer Award in 2012 in recognition of her service.Outside work, you'll find Brenda at the ice rink, ball field or camping at one of the beautiful Nova Scotia campgrounds. Additional ResourcesAllan Marshall & Associates Licensed Insolvency TrusteeWhat Does Your Credit Report Say About You?Your Credit Score in Canada: What You Should Know
Dear Dash Hounds, join Beth and Kelly as we try to pull the curtain open on the Wonderful Wizard of credit scores. Do you know your credit score? Do you care? Has it ruined your life? We talk about many things on Strange Country from periods to sex to murder and now, the most secretive of things–money. ‘Mericans don't talk openly about their money issues, and surprise! That is not good practice. We are stressed and worried and in debt, and there's a reason why. Find out today on Strange Country. Thanks for listening. It is an act of love, and sometimes all you need is love. Theme music: Big White Lie by A Cast of Thousands. Works Cited Campisi, Natalie. “From Inherent Racial Bias to Incorrect Data—The Problems With Current Credit Scoring Models.” Forbes, 26 February 2021, https://www.forbes.com/advisor/credit-cards/from-inherent-racial-bias-to-incorrect-data-the-problems-with-current-credit-scoring-models/. Accessed 18 March 2024. “Fair Credit Reporting Act.” Wikipedia, https://en.wikipedia.org/wiki/Fair_Credit_Reporting_Act. Accessed 18 March 2024. Fiano, Liane. “Common errors people find on their credit report - and how to get them fixed.” Consumer Financial Protection Bureau, 5 February 2019, https://www.consumerfinance.gov/about-us/blog/common-errors-credit-report-and-how-get-them-fixed/. Accessed 18 March 2024. Frazier, Mya. “The High Cost of Bad Credit.” The New York Times, 7 June 2023, https://www.nytimes.com/2023/06/07/magazine/bad-credit-repair.html. Accessed 18 March 2024. Furletti, Mark. “Secret History Of The Credit Card - More To Explore | FRONTLINE.” Secret History Of The Credit Card - More To Explore | FRONTLINE | PBS, 23 November 2004, https://www.pbs.org/wgbh/pages/frontline/shows/credit/more/scores.html. Accessed 18 March 2024. Johnson, Holly. “8 Ways You're Hurting Your Credit Score Without Knowing It.” Forbes, 28 June 2021, https://www.forbes.com/advisor/credit-score/8-ways-youre-hurting-your-credit-score-without-knowing-it/. Accessed 18 March 2024. Nova, Annie. YouTube: Home, 3 June 2009, https://www.cnbc.com/2019/09/25/bernie-sanders-wants-to-overhaul-the-countrys-credit-reporting-system.html. Accessed 18 March 2024. Trainor, Sean. “Your Credit Score's Long History, From Espionage to Algorithms.” Time, 22 July 2015, https://time.com/3961676/history-credit-scores/. Accessed 18 March 2024. White, Alexandria. “90% of Americans Stress About Money, According to Study Results.” CNBC, https://www.cnbc.com/select/why-americans-are-stressed-about-money/. Accessed 18 March 2024. Wilbers, Pippin. “How Inflation Affects Car Loan Rates.” Bankrate, 31 January 2024, https://www.bankrate.com/loans/auto-loans/how-inflation-affects-auto-loan-rates/#why. Accessed 18 March 2024.
Esta Crompton, CEO of EJN Financial shares some very unique and some very traditional financing options for Florida business owners with Sam Yates, Host, The Florida Business Forum Podcast.From Harnessing the Power of Your Credit Score, Crompton's online book, to exploring Asset Based Funding and Bridge Loans Florida's Number One Business Forum Podcast takes a dive into the dollars and sense of venturing off the mainstream when seeking ways to fund or expand your business. Support the showThe Florida Business Forum Podcast is produced by Yates & Associates, Public Relations & Marketing, and hosted by Emmy Award winning reporter and television anchor Sam Yates. If you or your business or not-for-profit organization would like to share your news with our Florida, national, and international audience please contact Sam Yates, Sam@YatesPRO.com. The Florida Business Forum Podcast is the only business forum of its kind dedicated to Florida news, business, and not-for-profit organizations. When Florida business minds need to know, they turn to The Florida Business Forum Podcast first!Program Sponsorships are available starting at $500/monthly with a minimum six-month sponsorship. The Florida Business Forum Podcast is affiliated with the Pod National News Network USA providing business news podcasts to every State in the U.S.A. The Florida Business Forum Podcast is herd throughout Florida, the United States, and 32 countries and territories. Direct Media Inquiries to Sam Yates, Sam@Yatespro.com.
Get Bonus Content on our Patreon!! https://patreon.com/badfriends Thank you to our Sponsors: Hairstory, Viator, Displate, and DoorDash • Learn More about HairStory and get 20% off at https://hairstory.com code: BADFRIENDS • Download the Viator app NOW and use code VIATOR10 for 10% off your first booking. One app, over 300,000 experiences you'll remember. Do more with Viator. • Go to https://DISPLATE.COM/BADFRIENDS and use code BADFRIENDS at the checkout to get - 23% off for 1 to 2 Displates or 34% off for 3 and more Displates. Displate, collect your passions! • Get 50% off up to $10 at https://www.doordash.com code: BF2023 YouTube Subscribe: http://bit.ly/BadFriendsYouTube Merch: http://badfriendsmerch.com 0:00 Patreon Announcement!! 4:00 What's Your Credit Score? 8:57 Andrew and Carlos are in Cahoots Against Bobby 15:52 Bobby's Worst Korean Food Experience 19:40 Black Mirror Review 27:03 Men vs Women 36:35 How Andrew Would Prank Bobby 43:49 Juicy's Graduation 52:54 Who Sleeps Better? More Bobby Lee TigerBelly: https://www.youtube.com/tigerbelly Instagram: https://www.instagram.com/bobbyleelive Twitter: https://twitter.com/bobbyleelive Tickets: https://bobbyleelive.com More Andrew Santino Whiskey Ginger: https://www.youtube.com/andrewsantinowhiskeyginger Instagram: https://www.instagram.com/cheetosantino Twitter: https://Twitter.com/cheetosantino Tickets: http://www.andrewsantino.com More Juicy Instagram: https://www.instagram.com/jetskijohnson/?hl=en More Fancy SOS VHS: https://www.youtube.com/@SOSVHS Instagram: https://www.instagram.com/fancyb.1 More Bad Friends iTunes: https://podcasts.apple.com/us/podcast/bad-friends/id1496265971 Instagram: https://www.instagram.com/badfriendspod/ Twitter: https://twitter.com/badfriends_pod Official Website: http://badfriendspod.com/ Opening Credits and Branding: https://www.instagram.com/joseph_faria & https://www.instagram.com/jenna_sunday Credit Sequence Music: http://bit.ly/RocomMusic // https://www.instagram.com/rocom Character Design: https://www.instagram.com/jeffreymyles Bad Friends Mosaic Sign: https://www.instagram.com/tedmunzmosaicart Produced by: 7EQUIS https://www.7equis.net/ #bobbylee #andrewsantino #badfriends Learn more about your ad choices. Visit megaphone.fm/adchoices
Christine Luken talks about the importance of your credit score Episode 2216: Your Credit Score is Not Important (And It Also Is) by Christine Luken Ready to master your money and become a financial success? Then you need Christine Luken, the Financial Dignity® coach in your corner! As the Founder of the Financial Dignity® Movement & a Certified Financial Counselor, Christine has coached hundreds of high earning professionals to pay off staggering amounts of debt and massively increase their net worth over the past twelve years. Christine's books, Money is Emotional: Prevent Your Heart from Hijacking Your Wallet & Manage Money Like a Boss: A Financial Guide for Creative Entrepreneurs, have landed her almost 100 podcast and TV interviews, establishing her as the authority on money and emotions. The original post is located here: https://www.christineluken.com/your-credit-score-is-not-important-and-it-also-is/ Visit Me Online at OLDPodcast.com Interested in advertising on the show? https://www.advertisecast.com/OptimalFinanceDaily Learn more about your ad choices. Visit megaphone.fm/adchoices
Christine Luken talks about the importance of your credit score Episode 2216: Your Credit Score is Not Important (And It Also Is) by Christine Luken Ready to master your money and become a financial success? Then you need Christine Luken, the Financial Dignity® coach in your corner! As the Founder of the Financial Dignity® Movement & a Certified Financial Counselor, Christine has coached hundreds of high earning professionals to pay off staggering amounts of debt and massively increase their net worth over the past twelve years. Christine's books, Money is Emotional: Prevent Your Heart from Hijacking Your Wallet & Manage Money Like a Boss: A Financial Guide for Creative Entrepreneurs, have landed her almost 100 podcast and TV interviews, establishing her as the authority on money and emotions. The original post is located here: https://www.christineluken.com/your-credit-score-is-not-important-and-it-also-is/ Visit Me Online at OLDPodcast.com Interested in advertising on the show? https://www.advertisecast.com/OptimalFinanceDaily Learn more about your ad choices. Visit megaphone.fm/adchoices
Christine Luken talks about the importance of your credit score Episode 2216: Your Credit Score is Not Important (And It Also Is) by Christine Luken Ready to master your money and become a financial success? Then you need Christine Luken, the Financial Dignity® coach in your corner! As the Founder of the Financial Dignity® Movement & a Certified Financial Counselor, Christine has coached hundreds of high earning professionals to pay off staggering amounts of debt and massively increase their net worth over the past twelve years. Christine's books, Money is Emotional: Prevent Your Heart from Hijacking Your Wallet & Manage Money Like a Boss: A Financial Guide for Creative Entrepreneurs, have landed her almost 100 podcast and TV interviews, establishing her as the authority on money and emotions. The original post is located here: https://www.christineluken.com/your-credit-score-is-not-important-and-it-also-is/ Visit Me Online at OLDPodcast.com Interested in advertising on the show? https://www.advertisecast.com/OptimalFinanceDaily Learn more about your ad choices. Visit megaphone.fm/adchoices
Kenney Conwell is an Atlanta-based financial education coach and wealth strategist. He created MyMoneyEDU to help people learn how to fix, improve, and maintain excellent credit. His services help people reduce their taxes, increase their cash flow, and build their net worth. Unlike credit “fixes,” Kenney's educational resources teach members how to use proven wealth principles to make a long-term impact on their credit scores and financial success. From this experience, Kenney grew obsessed with learning everything he could about credit. He didn't just want to learn about credit scores. Instead, he uncovered strategies used by “insiders” on how to get credit, leverage it, and use that credit to build wealth. He learned to protect financial assets from loss using the same blueprint one-percenters use to grow their wealth. After learning everything he could about finances and credit, Kenney created MyMoneyEDU. This site offers financial education that shows people how to restore their credit. They learn the principles necessary to maintain excellent credit permanently. Kenny also works with high-level business owners, teaching them how to stop using their own money to grow their business. Instead, they learn how to use other people's money to expand or scale their businesses. MyMoneyEDU seeks to offer time freedom and financial freedom to first-generation millionaires. They do this by learning to leverage four resources: Leverage a cash flow system: members learn to focus on increasing personal income by starting their own business or working a side hustle. Leverage personal and business credit: although the saying is “cash is king,” the truth is that credit is queen. Use both personal and business credit to maximize your ability to generate wealth. Leverage the stock market: members learn how to invest actively or passively in stocks. MyMoneyEDU tells them to start by investing in companies they use every day (like their toothpaste company, streaming service, or favorite restaurant chains). Leverage tax planning: members learn that when tax planning is done correctly, they can avoid overpaying on taxes. This is known as tax avoidance, a strategy utilized by the wealthy to hold onto their wealth. Kenney manages his personal and business finance with the same tools and strategies provided to his members and clients. He really practices what he preaches. He's leveraged business credit to grow and scale his company. Cash flow management and asset appreciation have helped fund strategic growth. Kenney's vision for the future is bright. He hopes to eliminate the wealth gap in minority communities by 10% before he leaves this earth. His current target is to help a million members achieve a 700 credit score or better by 2030. We hope you enjoy this episode about Wealth Strategy, Education and Your Credit Score with Ben reinberg: I Own It ft Kenny Conwell.
It's a question we get all the time: Why do I have so many different credit scores and which one do lenders use?We posed this question and more to Liz Weston, award-winning personal finance columnist at Nerdwallet, speaker, commentator and author of “Your Credit Score,” which is in its fifth edition!Follow us on social media!linkedin.com/company/vantagescoretwitter.com/vantagescorefb.com/vantagescoreinstagram.com/vantagescoreyoutube.com/vantagescore
Good credit is important. Bad credit can make it difficult—or more expensive—to get a loan or credit card, rent an apartment, or get cell phone service. Surveys show few people truly understand how the system works: What makes their credit scores go up, and what causes them to plunge. In this episode we'll demystify the process, and separate credit facts from credit myths. Special Guest: Liz Weston, a personal financial columnist for NerdWallet, and author of the best-selling book “Your Credit Score.” Additional Resources: Credit Myths Persist, Even After Pandemic Forces a Closer Look at Finances New Government Report: Experian, Equifax, and TransUnion Rarely Act on Complaints About Credit File Errors How to Spot a Credit Repair Scam and What You Can Do to Improve Your Credit Scores Buy Now, Pay Later Spending Traps
Regardless of your timeline for purchasing your next home. Your Credit Score arguably plays the largest role to what financing terms and options will be available to you! In this episode Addy and Dan Keller run through the 5 Biggest Factors that determine your credit score. How is your credit determined?What can you do now to continue or improve your Credit Score trajectory?What personal approaches do Dan and Addy take on a daily basis to keep their credit scores in the optimal position to be leveraged?We are excited to Help, it is never too early to book a strategy session and build out a plan for your next property! Schedule Here:Need to Refinance or Get Pre Approved Now! Click to Get Started Online Today!Need Resources / Tools / Videos? Visit our Website: Addy Nett
On this episode of the ReadytoBuy Podcast, I explain the difference between 'credit scoring' and your 'credit file', why your credit score isn't the be-all and end-all and talk you through obtaining an AGREEMENT-IN-PRINCIPLE, what it is and why you'll need one! Time Stamps PART ONE 00:00 – Introduction 01:38 – ‘Credit Scoring & Your Agreement-in-Principle' 03:15 – The Difference: Credit Files 06:37 – The Three Credit Agencies 09:28 – Monitoring Your Credit File 11:11 – Recommendation for ‘CheckMyFile' INTERMISSION 11:52 – ‘Definitely Not A Silly Question' Segment 12:21 – “Do I have to proceed with the lender that I get the Agreement-in-Principle?” 12:28 – Answer 13:09 – Contact Info for Questions 13:35 – Risk Warning PART TWO 14:12 – ‘What is An Agreement-in-Principle?' 14:12 – Defining It 14:47 – Factors That Make It Up 16:44 – Nature of the Agreement 18:06 – ‘Full Application' 19:25 – Two Really Important Purposes 20:52 – How Long is it Valid For? 21:30 – Word of Warning 22:21 – Conclusion –––––––––––––––––– Notes (00:00 – 01:37) Introduction Website: http://www.mhcmortgages.co.uk/ (www.MHCMortgages.co.uk) (01:38 – 03:14) ‘Credit Scoring & Your Agreement in Principle' Recap of last few episodes - putting your plan in place and getting yourself as presentable as possible. You're almost ready to go out and start looking at properties! But, before you do, I would recommend getting something called an ‘agreement in principle.' (03:15 – 06:36) Your Credit Score & Credit File I'd also like to discuss the difference between credit ‘scores' and credit ‘files.' Having a good one for both is great, but I would argue that a good credit score is slightly less important than a good credit file. Credit Files Your credit file contains all sorts of information about your credit agreements (e.g. loans, credit cards, car finance, store cards, phone and utility bills) and these will detail things such as payment history, balance, name of the lender, how well you've conducted it, credit limits, etc. It will also show if you are on the electoral roll and address history. Aliases will also show up on the credit file, if you've been known by different names such as maiden names, previous names, etc. If you've ever had a joint credit agreement or joint bank account with someone, it will show up and link you with that other person, even if you are no longer affiliated. It doesn't mean that it would adversely affect you if they had conducted their credit poorly. Things relating to courts also appear, such as a County Court Judgement. (Also known as a CCJ) Your credit file will follow you and go back for six years. If you miss a payment, for example, that will show up for this length of time and shows the importance of being careful. If you apply for credit, the credit lender can request to see your credit history to make a decision on whether they would like to lend it to you. There are two different kinds of credit search ‘footprints' that I see – a ‘soft' footprint search and a ‘hard' footprint search. The difference between these is simply that a soft footprint CANNOT be seen by a credit lender whereas a hard footprint CAN. (You can see all searches, soft and hard, when you view a copy of your own report) A one-off hard footprint credit search isn't usually a problem, but multiple on your record in quick succession may show that you are desperately trying to access credit, which in turn could reduce your chances of being accepted by a lender. (06:37 – 09:27) The Three Credit Agencies The three main credit reference agencies in the UK are: Experian, Equifax and TransUnion. These are all separate entities that hold info about you that credit lenders share with them. It's important to note that the three agencies use a different score to each other, so your credit score would vary depending on which agency you go to....
Your Credit Score is the #1 asset in your divorce! Don't believe me? Listen to CEO of ReScore, Paige White, detail all the BENEFITS of POSITIVE CREDIT LIFE especially before, during and after a divorce.BECOME A FAN! SOS FAN CLUB PERKS HERE: www.patreon.com/sosdivorceIf you have any questions at all during your divorce, please email Annie@StartingOverStronger.com or visit www.StartingOverStronger.com to learn more about divorce coaching and book a complimentary discovery call while you're there."Can I keep the house?" Find out more about what an RCS-D REALTOR does to protect you as you make this decision. www.AtHomewithAnnie.com.If you have ideas for topics in future episodes or to ask a question for a future ASK ME ANYTHING episode, please email Annie@StartingOverStronger.com. Gratefully,Annie You matter! Please find and follow us on Facebook, Instagram and on your favorite podcast player. Your 5-star ratings and positive reviews make all the difference as the growing podcast community seeks content that will inspire, entertain and educate them in their efforts toward real life transformation. Would you take just a moment to rate and review Starting Over Stronger? Here and on any platforms where you find us. THANKS!© SOS Divorce Survival & Recovery. Divorce Well. Live Well.Support the show (https://www.paypal.me/anniejallen)
Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. / Rental car scams are booming. An urgent warning about searching for deals online and the kind of payment requested. Clark Stinks and Ask Clark topics include: Report: The Best Smartphones for Customer Satisfaction / Best Free Password Managers: 7 Top Picks / 7 Places to Get the Best Deals on Lab-Created Diamonds / Megabus | Low cost bus tickets from $1 / When Should I Refinance With a No Closing Cost Mortgage? - Mortgage Refinance Calculator / Why co-signing a loan can be bad on almost every financial level / Does a Credit Increase Request Create a Hard Pull on Your Credit Score? Want more money advice? Sign up for Clark's free daily newsletter! Free Advice: Clark's Consumer Action Center Learn more about your ad choices. Visit megaphone.fm/adchoices
Today we are chatting with Rich Kammer. Throughout Rich’s life journey he has had the opportunity to do a plethora of things, from Real Estate Agent to American Idol contestant and so much more! Today Rich is the host of the Budgets & Brews podcast, which combines two of Rich’s favorites, finance with a special... The post Your Credit Score and Credit Report with Rich Kammer (Budgets & Brews) appeared first on Financial Freedom Community.
Today on Take Control Tuesday, Mansa Musa from MoneySmartLife.org will give us strategies for 2021. Today we talk about taking an informed risk. Also Hear: Take Control: End of the Year Strategies for 2021 – Your Credit Score
The Truth About Credit Card Debt & Your Credit Score by
Welcome to the newest entrant to our Impact Radio USA stable of shows, with "Impact Interviews and Music". The title says it all, as we provide exhilarating interviews with some terrific people and, of course, we augment the interviews with great music! Each episode of "Impact Interviews and Music" airs LIVE every Monday, Wednesday, and Friday at 10:00 am ET, then repeats at 10:00 pm ET on the same date. On today's show, we spoke with Liz Weston and Libbie Hall: LIZ WESTON From Her Website: "I’m an award-winning** personal finance columnist, speaker, commentator and author of several books about money. I earned the Certified Financial Planner® designation in 2016.I write for the personal finance site NerdWallet, and my question-and-answer column “Money Talk” appears in newspapers throughout the country, including the Los Angeles Times, the San Diego Union-Tribune, Palm Beach Post, the Portland Oregonian and others. My book “Your Credit Score” is a national best-seller now in its fifth edition. The New York Times called one of my other books, “The 10 Commandments of Money: Survive and Thrive in the New Economy,” a “wonderful basic personal finance book…supportive of people struggling to understand these topics and trying to make ends meet.” LIBBIE HALL From Her Goodreads Page: "What do we do when life doesn't go as planned? What do we do when our choices and the choices of those we love negatively affect us? How do we respond when life hurts? How do we get out of bed in the morning, much less live out God's good and perfect plan for our life? As Libbie Hall put one foot in front of the of the other she learned that all things really do work together for good for those who love Him. The decision to expose all that went on inside of her during one of the most difficult times of her life wasn't easy. Naturally, she was concerned for how she would be seen by others, but the drive to bring freedom for even just one other person spurred her on. She shares her experiences, thoughts and struggles over a four year period, and how her relationship with an overwhelmingly loving God helped her find hope in the midst of pain." And GREAT music selected just for you! Thank you for stopping in! Enjoy!
The mortgage industry is changing so rapidly amidst the COVID-19 pandemic, so we need to keep up on what it means for you... The Home Buyer! Your Credit Score is more important than ever before... Justin will tell you why. Take a listen!!
LIZ WESTON, a personal finance columnist at NerdWallet.com, and a Certified Financial Planner, joined us to discuss one of her recent columns, "Retirees' Biggest Money Regrets". From The NerdWallet.com Website:: "Liz Weston is NerdWallet’s personal finance expert. She’s a Certified Financial Planner® and author of five money books including the best-selling "Your Credit Score." She has appeared on CNBC, Fox Business, “NBC Nightly News,” the “Today” show, “Dr. Phil” and numerous radio shows, including American Public Media’s “Marketplace”; NPR’s “All Things Considered,” “Talk of the Nation” and “On Point”; and KPCC’s “Air Talk.” Her columns are carried by The Associated Press and Los Angeles Times, among other outlets. She’s quoted in national publications including The Washington Post and The New York Times." From Her Website: "I’m an award-winning** personal finance columnist, speaker, commentator and author of several books about money. I earned the Certified Financial Planner® designation in 2016.I write for the personal finance site NerdWallet, and my question-and-answer column “Money Talk” appears in newspapers throughout the country, including the Los Angeles Times, the San Diego Union-Tribune, Palm Beach Post, the Portland Oregonian and others. My book “Your Credit Score” is a national best-seller now in its fifth edition. The New York Times called one of my other books, “The 10 Commandments of Money: Survive and Thrive in the New Economy,” a “wonderful basic personal finance book…supportive of people struggling to understand these topics and trying to make ends meet.” You may have heard me on public radio. I contribute to American Public Media’s “Marketplace Money,” and NPR’s “Talk of the Nation” and “All Things Considered.” I’ve appeared “Dr. Phil,” “Today Show” and NBC Nightly News, and was for several years a weekly commentator on CNBC’s “Power Lunch.”
America’s Favorite Real Estate Show is ON THE AIR, Welcome to The Real Estate Happy Hour Happy Hour Show. On today’s show Collier Swecker & David Arnette are talking about 9 Things a Home Seller Should Ask Before They Decide to Put Home on the Market, What Goes into Your Credit Score, and How to Save $1 Million Dollars in Savings by Age 65 Based on How Old You are Now! Join us every Thursday at 4pm for the live show on Facebook Live or watch or listen to the Real Estate Happy Hour on replay or listen to the podcast that can be found on Apple Podcasts, Google Podcasts, Stitcher, Spotify, and Tunein Radio. #RealEstate #Podcast #MegaAgent #Mortgage #HomeBuyer
Featured Guest Liz WestonI’m an award-winning** personal finance columnist, speaker, commentator and author of several books about money. I earned the Certified Financial Planner® designation in 2016.I write for the personal finance site NerdWallet, and my question-and-answer column “Money Talk” appears in newspapers throughout the country, including the Los Angeles Times, the San Diego Union-Tribune, Palm Beach Post, the Portland Oregonian and others.My book “Your Credit Score” is a national best-seller now in its fifth edition. The New York Times called one of my other books, “The 10 Commandments of Money: Survive and Thrive in the New Economy,” a “wonderful basic personal finance book…supportive of people struggling to understand these topics and trying to make ends meet.”You may have heard me on public radio. I contribute to American Public Media’s “Marketplace Money,” and NPR’s “Talk of the Nation” and “All Things Considered.” I’ve appeared “Dr. Phil,” “Today Show” and NBC Nightly News, and was for several years a weekly commentator on CNBC’s “Power Lunch.”Footnotes:*My mistakes include buying retirement property at age 26. In Alaska. Eighty miles from the nearest road. I still have it, if anyone wants to make an offer.**My awards include:The Betty Furness Consumer Media Award (2010) by the Consumer Federation of America, designed to honor individuals who have made “exceptional progress in American consumerism.”A Clarion Award (2007) for my MSN Money series on financial benchmarks. The columns also won several awards from the Society of American Business Editors and Writers, including a 2008 “Best in Business” honor.A team Pulitzer Prize for Meritorious Public Service (1989) for coverage of the alcoholism epidemic among native Alaskans. My article on fetal alcohol syndrome led the coverage on Day 3 of the 10-day series.A team Gerald Loeb Award (1997) for coverage of the Comparator Systems penny stock scandal.
Almost everyone will need to make use of credit at some point in their lives, whether it’s by applying for a loan, credit card or a line of credit. There are many things that lenders take into account when you apply for credit, and the assessment of these will result in either a positive or negative lending decision. Today, I am sharing insights into how a bank decides whether or not to give you a credit card, loan, or line of credit. I explain the 5Cs of credit and the evaluation process that takes place when you apply for credit from financial institutions or retail stores. I also share some best practices to help you stay on top of your finances and obligations. “Character is often the big decider as to whether or not money is lent.” - Tracey Bissett This Week on Young Money: Understanding your debt service capacity and the Total Debt Service Ratio (TDSR). How lenders score your financial reputation aka your credit score. What role your character plays in the decision making process. How lenders calculate your capital net worth. What is collateral and its effect on the lending decision? The 5Cs of Credit: Capacity – can you pay back the money? Credit history – do you have a history of using credit responsibly? Character – what will you do when no one is looking? Capital – what is your capital net worth? Collateral – what security do you have to provide? Best Practices: Check your credit score annually and address any errors with Transunion or Equifax. Manage your finances and obligations in a way that you are proud of. Calculate your capital net worth annually - all your assets minus all your liabilities. If your capital net worth is getting bigger or less negative from the last time you calculated it, you are on the right track. Resources Mentioned: Send a voice message to Young Money podcast EP007 - How’s Your Financial Reputation aka Your Credit Score? EP018 - Cashflow Cookbook with Gordon Stein EP023 - How to Protect Yourself from Fraud EP037 - Cohabitate in a Financially Fit Way Get Your Young Money Questions ANSWERED! Want to learn more about your credit score and how you can stay financially fit? Leave a voice message to get all of your Young Money questions answered. Remember - there is no silly question when it comes to your financial fitness. Rate, Share & Inspire Other Young Millionaires-in-the-Making Thanks for tuning into the Young Money Podcast - the advice show for young millionaires-in-the-making! If you enjoyed this week’s episode, head over to iTunes and leave us a rating and review. Don’t forget to share your favorite episodes on social media! Subscribe to the Young Money Podcast on iTunes so you never miss an episode and reach out to us on Facebook, Twitter, LinkedIn, our Linkedin Company Page, or by visiting our website.
The Truth of the Importance of Your Credit Score by
Ron Siegel discusses local and national current events, politics, personal and business finance with a few mortgage tips along the way. A Southern California mortgage expert and bonafide political junkie, Ron Siegel delivers intelligent, entertaining radio that makes the hard news of the week easy to understand! Ron Siegel is joined by Lisa Dunn Ron Siegel will discuss: Don’t Be Afraid of Your Credit Score. Check Yours Today for Free; The #1 mistake people make when opening an investment account; Real Time Real Estate; Your Credit Matters; Mortgage Minute; Word on Wealth; and so much more. Ron Siegel, consumer advocate and mortgage lender, discusses anything that affects the roof over your head, your bank account or other items that will benefit you / your family. Reach Ron Siegel at 800.306.1990 Ron@RonSiegelRadio.comwww.RonSiegelRadio.comwww.SiegelLendingTeam.com your Anaheim Mortgage LenderMortgage Calculator: www.MBELinks.com/RFToolKit Your Anaheim Mortgage Lender offers: Conventional Loans, FHA Loans, USDA Loans, Refinancing, and Reverse Mortgages
Ron Siegel discusses local and national current events, politics, personal and business finance with a few mortgage tips along the way. A Southern California mortgage expert and bonafide political junkie, Ron Siegel delivers intelligent, entertaining radio that makes the hard news of the week easy to understand! Ron Siegel is joined by Daron Wyatt and Ray Drabek. Ron Siegel will discuss: Cops 4 Kids; Don’t Be Afraid of Your Credit Score. Check Yours Today for Free; Real Time Real Estate; Your Credit Matters; Mortgage Minute; Word on Wealth; and so much more. Ron Siegel, consumer advocate and mortgage lender, discusses anything that affects the roof over your head, your bank account or other items that will benefit you / your family. Reach Ron Siegel at 800.306.1990 Ron@RonSiegelRadio.comwww.RonSiegelRadio.comwww.SiegelLendingTeam.com your La Quinta Mortgage LenderMortgage Calculator: www.MBELinks.com/RFToolKit Your La Quinta Mortgage Lender offers: Conventional Loans, FHA Loans, USDA Loans, Refinancing, and Reverse Mortgages
The Truth of the Importance of Your Credit Score by
Your Credit Score could cost you 5K a year in extra insurance costs Nerd wallet story http://www.thedrive.com/news/19819/states-where-poor-credit-has-the-biggest-impact-on-car-insurance-rates Subscribe http://www.youtube.com/subscription_center?add_user=sullythecreditguy For more free information on credit and credit scoring check out my blog at http://www.thecreditguy.tv Join me on LinkedIn at http://www.linkedin.com/in/thecreditguytv Follow me on Twitter at http://www.twitter.com/TheCreditGuyTV Like the Facebook Page http://www.facebook.com/TheCreditGuy Follow my Pinterest board http://www.pinterest.com/thecreditguy All Material included in the presentation, class, video or website is protected under copy write law and the property of Hammer it Out LLC. No portion may be used without express written consent. This class, video, the website contains ideas and opinions of its author. It is designed to provide knowledge in an accurate way with regard to the subject matter covered. It is to be consumed with the understanding that the author, publisher, or any affiliates are not engaged in rendering legal advice. If legal advice is required, the services of a lawyer should be sought. Although every precaution has been taken in the preparation of this information, the publisher, author, and affiliate assume no responsibility for errors or omissions. No patent liability is assumed with respect to the use of the information contained herein. The author, publisher, and affiliate specifically disclaim any responsibility for any liability, loss, or risk. Personal or otherwise; which in incurred in consequence, directly or indirectly, or in the use and application of any of the contents of this book, class, video or website
Your Credit Score shows banks how responsible you are in paying back the money you owe. Establishing good credit is one of the most important things you can do in your life because having good credit will save you thousands of dollars over your lifetime. Today's guest specializes in helping people rebuild their credit so they can get qualified for major purchases. Brittneye Williams from MyCreditDreams.com is here to share how we can build our credit so we can affordably finance big purchases for the future. Thanks for listening! •To share your thoughts leave a comment at GodspeedDevelopment.com/17
Today's guest wears many hats. Liz Weston is an award-winning, nationally-syndicated personal finance columnist and the author of several books including the best-seller "Your Credit Score." Liz is also a contributing editor for Bankrate.com and writes on the topics of education and money for Reuters. She also has a question and answer column called "Money Talk" that appears in newspapers across the country, including the LA Times, San Diego Union-Tribune among others. Liz also commentates regularly on public radio. How her work saved someone's marriage! Her own personal money experiences - the good, bad and ugly! Buying retirement land in Alaska?! For more information visit www.somoneypodcast.com.
Guest: Shaun Collins, CEO of Legacy Credit Services.
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