Here’s Why Americans Are Struggling Financially…
Play • 33 min

“Not everybody wants progress—some want to sit and whine. But you and I are wired differently, so we’re staying focused.” — Chris Hogan


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The Table with Anthony ONeal
The Table with Anthony ONeal
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The Dr. John Delony Show
Ramsey Network
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Credit Repair Business Secrets
Daniel Rosen
5 Simple Steps to Identity Theft Resolution
Did you know that ID theft is the fastest-growing crime worldwide? Last year, 33% of adults in the United States experienced identity theft which is more than twice the global average! As a Credit Hero, you’ll run into folks that have accounts show up on their credit reports that don’t belong to them. The fraudulent accounts are usually credit cards but, lately, identity thieves are getting more creative! They may open all types of loans in your name, finance vehicles, and chop ‘em up for parts, or they could file your taxes and steal your tax refund. And they can even get medical procedures under your identity so you get stuck with the bill! When thieves get their dirty little hands on your personal information and assume your identity, the damage they can do is limitless. That is why today, I’m going to let you know how you can help your clients clear these issues from their credit reports once and for all! So stick around! Key Takeaways for This Week: * Some worrying statistics about identity theft (0:44) * One of the most harrowing identity theft stories I’ve heard (2:13) * 5 steps to removing identity theft issues from a credit report (4:43) * How to reach out to the bureaus about identity theft (8:17) * What to expect after completing these 5 steps? (10:14) Additional Resources: * Get a free trial to Credit Repair Cloud * Sign up for the Credit Hero Challenge Make sure to subscribe so you stay up to date with our latest episodes!
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Student Loan Planner
Travis Hornsby
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Do you wonder if you made the right decision to go into the field you did? After investing years of time and effort, along with hundreds of thousands of dollars in student loan debt, do you ask yourself “is the grass greener on the other side?” Join me as I take a deep dive into what peak happiness might look like, how to deal with job regret and the perfect income to achieve maximum happiness as a student loan borrower. In today’s episode, you'll find out: * What is “the grass is greener syndrome” * Pros and cons of physician mortgage (or doctor mortgage) loans * How to pay down your student loan using gains from stock market training * Whether to double-dip on the federal poverty line deduction when filing taxes separately * The perfect income you need to earn to reach peak happiness * Why your level of engagement at work is a huge factor in attaining your perfect income * How to calculate your perfect income depending on your current student debt * How to deal with job regret * Ways to overcome unhappiness with your profession Like the show? There are several ways you can help! * Subscribe on Apple Podcasts, Spotify or Google Podcasts * Leave an honest review on Apple Podcasts * Follow on Facebook, Twitter, or LinkedIn Feeling helpless when it comes to your student loans? * Try our free student loan calculator * Check out our refinancing bonuses we negotiated * Book your custom student loan plan
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The Stacking Benjamins Show / Westwood One Podcast Network
10 Habits to Become a Better Investor (plus the Evil HR Lady)
Whether you've been investing for a week, for years, or anything in between, it's always a good idea to keep the fundamentals in mind. BUT....on the other hand, we love to have fun, and it's Friday after all! That's why today we're treating you to a Stacking Benjamins game-show version of "Guess the 10 Habits to Become a Better Investor!" We pulled a piece from M1 Finance listing their top 10 habits, and on this episode, we'll quiz our contributors on which strategies made the list. Not only do you get great investing tips from each of our three contributors, you'll find yourself laughing so much you won't realize you've learned a thing... until it's too late. Playing the game-show with us, we welcome Don McDonald from, Paula Pant from Afford Anything, and Len Penzo from the blog. Think it's too late to make a career change? After we crown our game-show champion, we'll talk big career moves with the Evil HR Lady, Suzanne Lucas. Are you anxious about making an industry change? Think you've sunk too much time to make a move for your happiness? We'll talk sunk costs (both monetary and emotional), following your happiness, and the realities of leaving behind a career you've spent a considerable amount of time in - and the truth is probably brighter than you think. What should you do with you investments when you have large upcoming purchases? We'll finish our show today with a MagnifyMoney question from caller Debi, who tells us that she's looking to buy a home or condo in the next few years. She would like to acquire a few more properties after that and start to rent them out for passive income. Plus, she has a $10,000 savings bond that will mature in August 2021, along with another $10k each in savings and Robinhood. Our contributors give Debi some much-earned congratulations and advice on how to best position her money in the mean time. As always, we'll save some time for Doug's trivia. Enjoy!
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BiggerPockets Money Podcast
BiggerPockets Money Podcast
174: Finance Friday: Reaching Semper FI (Financial Independence) Before Retirement with Fabio
Real estate investors are known to have their hands in 20 different pots, this is doubly true for Marine and real estate investor Fabio. Fabio is a Captain in the Marine Corps and has been in service for the past 21 years. He has at least five years left before he wants to retire, but is poised to hit his “freedom number” (or what others call their financial independence number) soon. Fabio has rental properties throughout the country: a duplex in San Diego, a house in Arizona, a BRRRR currently in the rehab stage in St. Louis, and his residence in Illinois. The problem? Some of these properties aren’t cash flowing as much as Fabio would like. He also has a high interest hard money loan on the BRRRR property he is rehabbing, plus a loan taken out against his retirement account. This presents a handful of different options: should he sell some of the houses that aren’t cash flowing in order to pay back some of the high interest loans or wait to refinance? Which debt should be taken care of first? How can he leverage his current assets to help him build a bigger real estate portfolio.  If you’re a long-term real estate investor, you’ve probably been in a dilemma like this before. Stick around for all the lucrative options Fabio can use! In This Episode We Cover * Keeping monthly expenses low (especially if you’re about to retire) * Taking advantage of the equity you have in different properties  * Coming up with a “Freedom Number” then shooting for that goal * What to do with houses that aren’t cash-flowing  * Taking out loans from a 401(k) or TSP account  * Which loans to pay off first (depending on time and interest rate) * And So Much More!
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Today's Homeowner Podcast
Today's Homeowner Podcast
Danny Lipford
Tips for Matching Mortar Colors | Ep. 107
Dean, from South Carolina, has a house with a concrete patio and a brick inlay. The mortar is aging, and he needs to remove it and match colors. He isn’t sure how to tackle this repair, so he’s asking us for some advice. Learn the fix, and much more, on this episode of The Today's Homeowner Podcast. * [1:15] How to equalize the temperatures in your home * [5:04] Tips for matching grout color * [8:18] Home Depot Best New Product: Pergo Southern Grey Oak Laminate 4-in-1 Molding * [9:52] A listener shares the importance of taking care of appliances * [13:50] How to create a smoother transition for your threshold * [16:27] Use these tools when removing wallpaper * [21:09] Tips for replacing tile over a fiberglass form base * [25:58] Simple Solution: How to convert a banquet table into a portable workbench * [27:31] Question of the Week: What you should know about gas fireplaces, and how to properly maintain them Simple Solutions Banquet Table Workbench—Folding tables are great to have when extra people visit for dinner. However, once they’re beaten up and past their prime, they’re no longer appropriate for family gatherings. But you can repurpose an old, beat-up banquet table by transforming it into a workbench for your shop or garage. Folding tables are about 29 inches tall, which is fine for sitting, but uncomfortable for working while standing up. Here’s how to raise the table height: Cut four 1-inch-diameter PVC pipes to about 12 inches long. Slip one pipe over each metal leg and cover the end with a plastic cap. You can secure the cap with PVC glue, but it’s not really necessary. Now, you have a table that has a comfortable working height of 36 inches. Paintbrush Cleaning Tip—To clean stubborn paint from paintbrushes, soak the bristles in hot white vinegar, then rinse with warm, soapy water. And when soaking paintbrushes, don’t simply stand them up in a can; the bristles will get permanently bent out of shape. Instead, drill a small hole through the handle, and pass a short-length wire hanger through the hole. Now, set the wire across the top of the can, suspending the bristles above the bottom of the can. Question of the Week Q: I have never owned a home with a gas fireplace before, and I know very little about them. I have recently noticed my ceramic logs are turning black where the flame touches them. Is this normal? Also, should I have someone come out to do a yearly service on it like I would for my HVAC system? Other Products and Links Mentioned * Custom Building Products Grout Colorant * EZ-ACCESS Transition Mat * Paper Tiger * DIF
31 min
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