Be Wealthy & Smart

Learn how 2 investors started with $30k and now control over $55 million in real estate. Jake and Gino host the Wheelbarrow Profits podcast and are authors of the book by the same name. They talk with me about 3 reasons for success: 1. Buy right 2. Manage right 3. Finance right Learn how to make multi-family 'green', how to determine what buildings to make an offer on, how to get financing, and more. Get more information on their website at http://jakeandgino.com. Please subscribe to the podcast and leave a review!

Learn the 5 components to your FICO credit score and how to improve your score. Get my other recent podcasts about credit, podcast #432, 430, 251, 367. All podcasts are available at http://lindapjones.com/podcasts. Please subscribe and leave a review!

Learn what international stock markets are performing the best and worst. Returns are year-to-date thru July 9, 2018. The graphic is on my website at http://lindapjones.com/podcasts Please subscribe and leave a review!

Learn how to get a free credit report and why it is so important to improving your credit. I received a listener letter. In response the the episode about making one phone call to make good credit great, Brian said: Linda you are THE BEST...I have been wondering how to boost my credit score now that it's gotten a lot higher since I met you! Thanks Brian! Good credit is a matter of doing a few things right consistently. It's not hard to do if you pay attention to your credit. Thank you to people who have left reviews for the show! Please subscribe and leave me a review on iTunes or Stitcher Radio. All of my podcasts can be found at http://lindapjones.com.

Learn my responses to listener questions about the Robin Hood and Fundrise apps and investing for cash flow. All of my podcasts are available at http://lindapjones.com/podcasts. Please subscribe and leave a review for the podcast!

The Debt Diamond™ is the most valuable method to dump your debt. (Diamond like the gemstone, an upside down triangle or funnel shape). It pays your most expensive debt off first, saving you thousands in interest. It allows your credit score to be repaired and rise the fastest. Recently I saw an article that 42 million Americans believe that carrying a balance will improve their credit score. That is not correct! The article is here: https://www.knoxnews.com/story/money/personalfinance/2018/07/02/credit-rating-mistake-carry-balance-improve-fico-credit-score/745406002/ In this podcast, I share with you the 5 parts to a credit score, what each one means and how to improve your credit score. I also share why the Debt Diamond method is the best way to pay off your debt and fastest way to improve your credit score. All 430 Be Wealthy & Smart podcasts can be found at http://lindapjones.com/podcasts Please review and subscribe to the podcast.

Learn the 7 ways to keep all of the sudden wealth you encounter. Seventy (70%) of people who inherit money have $0 left within 5 years. There's one reason why that happens! Learn what to do so that your money is replenished and never runs out. See all 400 podcasts at http://lindapjones.com/podcasts. Please leave a review!

Learn ways to avoid paying ATM fees to access your own money. Banks earn $1 billion annually on ATM fees. I have eliminated ATM fees completely and suggest you do too. Here are 6 ways to easily avoid paying ATM fees.

Learn 8 things that rich people believe and how it can help your wealth building. The article is here: http://www.cnbc.com/2016/10/11/8-ways-rich-people-view-the-world-differently-than-the-average-person.html

Learn why it's important to have more cash available and what to do with it. Step 2 of the "6 Steps to Wealth" is Save a Nestegg. I'm talking about having cash available. You should become a good saver because: 1. It is a good financial habit. You are less likely to have financial trouble if you are good at saving. 2. You have an emergency fund available. Should anything happen that was unexpected, you have cash available to pay for it and won't have to use credit cards with high interest rates. 3. It gives you options. If you save a lot of money you can choose to invest and grow it such as in an IRA or pay cash for a car or put a healthy downpayment on a home. You need capital to invest. (Almost 40% of people put less than 10% down on a home purchase. That means you have PMI payments until you reach a 20% down payment). 4. There is an opportunity cost to your money. Warren Buffett has said he doesn't want a mansion because he realizes how much more his money will grow (compound) to when it is invested instead of sitting in home equity. 5. You can pay cash for travel and take advantage of good deals, such as discounted assets at auction or fire sales of others who are desperate for cash. If you want to take a cruise or go to Hawaii, save enough money first! You don't want to pay for a vacation with money you don't have, then have interest on your credit cards to pay it back. If you make a late payment on a certain credit card for example, your interest rate can be 29%! Of course, you want to be a long-term saver for retirement, education and larger expenses like a new roof. Get in the habit of saving FIRST, then spending. Reverse the habit many have of spending money you don't have, only to have to pay it back with high interest and be drowning in debt. Please subscribe and leave me a review on iTunes or Stitcher Radio. Connect with me on social media at Twitter and IG @Lindapjones and Facebook @lindapjonesfanpage.