Your Credit Today: Recent Episodes
Angela Setters Bessard
Angela Setters Bessard, the founder and CEO of Conquer Credit Management, Inc., is known as a pioneer in the credit industry. With a passion to help people understand how to leverage their credit as a tool to create wealth and attain financial stability, Angela has continued to educate consumers and change lives daily for more than three decades. Conquer Credit Management, Inc. works solely with referrals and trusted advisors and has long been a prominent credit management agency in the financial industry, consulting one-on-one to consumers including professional athletes, celebrities, high ne
Ready to level up your business and protect your brand?
Attorney Nicole Swartz knows first hand why trademarks are essential for small businesses – she was running a thriving skincare brand. In two years her business went from a side hustle to a full time international company. One day, she woke up to a cease & desist letter, someone trademarked her brand. They owned the exclusive right to her business name and she couldn’t use it anymore. She had to rebrand everything in 30 days… it was a nightmare!
Nicole became obsessed with trademarks: she didn’t want anyone else to lose their brand. She learned everything about them and realized she loved working with women to st art and grow their businesses. She sold the skincare brand and started her own law firm.
What you'll learn in this episode:
- The nitty-gritty of getting a trademark – it's a whole world of rules and regulations, trust us!
- The scary implications of not trademarking your business – think legal and financial trouble, yikes!
- How having a trademark can make your brand look like a total boss and keep copycats at bay.
- The lowdown on enforcing your trademark rights – including the drama of cease and desist letters!
- The real deal on how trademarks can boost your business value and even be a money-making asset.
make sure to check out Nicole's company at sproutlaw.com and check out their celebrity trademark updates on Instagram at Sprout Law (https://www.instagram.com/sproutlaw/)
Wishing you all the success and trademark wins!
Thank you for listening to "Your Credit Today." If you have not yet subscribed, please do so and share this valuable information with your friends and family. For personalized assistance, feel free to email Angela at Angelas@conquercredit.com or online at angelabessard.com.
If you require a speaker to provide expert Creducation to your organization, do not hesitate to reach out. My goal is to help you master your credit, enabling you to take proactive steps towards a secure financial future.
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EEK! Did you get a collections call? Something unexpected on your credit report? We talk to people every day about collections!
Collection accounts stem from all sorts of unpaid bills, from medical and utility expenses to credit card debt. They can be managed internally or by third-party agencies, and knowing the difference is key when trying to sort things out.
When dealing with collection agencies, it's important to know your rights under the Fair Debt Collection Practices Act (FDCPA). If you ever need to dispute a debt or negotiate a settlement, make sure to get everything in writing.
By staying informed, being proactive, and seeking professional advice when you need it, you've got this. With careful navigation and a plan, you'll be well on your way clearing your credit of collections.
Thank you for listening to "Your Credit Today." If you have not yet subscribed, please do so and share this valuable information with your friends and family. For personalized assistance, feel free to email Angela at Angelas@conquercredit.com or online at angelabessard.com.
If you require a speaker to provide expert Creducation to your organization, do not hesitate to reach out. My goal is to help you master your credit, enabling you to take proactive steps towards a secure financial future.
Hosted on Acast. See acast.com/privacy for more information.
Ever wondered what makes or breaks your financial credit score? Your credit to debt ratio is the key, and how you tap into your credit limit. Balancing what you owe and how much you're using is key to keeping your score in check.
What about auto model credit scores? These scores zoom in on your car-related credit history. With credit unions in your corner, you might just secure that loan with some extra horsepower for negotiating a killer deal on your dream wheels.
By tuning into the different types of scores, understanding what brings up your score, you'll be on track for smoother rides towards better loan terms and financial empowerment.
Thank you for listening to "Your Credit Today." If you have not yet subscribed, please do so and share this valuable information with your friends and family. For personalized assistance, feel free to email Angela at Angelas@conquercredit.com or online at angelabessard.com.
If you require a speaker to provide expert Creducation to your organization, do not hesitate to reach out. My goal is to help you master your credit, enabling you to take proactive steps towards a secure financial future.
00:00 Credit scores vary by agency and region.
05:25 Banks report to different credit agencies, monitor.
08:37 Credit scores vary by reporting agency and use.
13:04 Check credit score, maintain good credit ratio.
16:34 Use credit card for regular monthly expenses.
21:39 Credit union recommended for easier auto loans.
24:01 FICO algorithm revolutionized credit evaluation in 1956.
29:09 Creducation aims to simplify credit systems.
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What measures can individuals take to protect themselves in the event of a financial crisis or the passing of a spouse or partner?
The Real Credit Queen, Angela Setters Bassard explains the basics of property liens, and their impact on your property and your finances. This episode was inspired when a client needed advice - a young widow who was unaware of her husband's financial dealings which leading to complications with a lien on their property.
This episode explains the differences between various home loans, such as equity loans and HELOCs, and highlights the necessity of understanding the terms and obligations tied to these financial instruments.
This tough situation really highlights the need for an emergency plan to navigate financial uncertainties smoothly, and the value of having knowledgeable guides and consultants in financial matters.
It is so important to be prepared and to protect your assets like your home!
01:21 Upcoming Guest
01:54 Understanding Liens on Your Home
02:23 Client Case Study: Financial Challenges After Loss
04:28 The Importance of Financial Planning
07:42 Types of Home Loans and Liens
11:06 Navigating Second Mortgages and Foreclosures
19:12 Selling Your Property and Settling Liens
Thank you for listening to "Your Credit Today." If you have not yet subscribed, please do so and share this valuable information with your friends and family. For personalized assistance, feel free to email Angela at Angelas@conquercredit.com or online at angelabessard.com.
If you require a speaker to provide expert Creducation to your organization, do not hesitate to reach out. My goal is to help you master your credit, enabling you to take proactive steps towards a secure financial future.
Hosted on Acast. See acast.com/privacy for more information.
Is that balance transfer offer a good idea?
In this episode of 'Your Credit Today,' your host The Real Credit Queen Angela Setters Bassard breaks down the topic of balance transfers. Angela addresses common concerns about whether balance transfers impact credit scores, including the potential negative and positive effects.
Angela stresses the importance of planning and budget management when using credit cards to avoid debt. This episode covers key strategies for minimizing negative impacts on credit scores and outlines the steps to effectively use 0% balance transfer offers to manage debt and improve financial health.
00:00 Introduction and Host Welcome
00:49 Understanding Balance Transfers
01:15 Planning and Budgeting with Credit Cards
03:55 The Importance of Credit Card Agreements
04:49 Introducing Creducation
05:28 Impact of Balance Transfers on Credit
13:26 Positive Impacts of Balance Transfers
16:08 Tips for Minimizing Negative Impacts
19:06 Monitoring and Managing Credit
Practical Tips for Effective Balance Transfers
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Develop a clear plan for repaying the balance within the 0% interest period.
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Regularly monitor your credit utilization and ensure your auto-pay settings are functioning correctly.
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Leverage your improved credit score for favorable financial opportunities.
Your Credit Score: A Valuable Asset
Bear in mind that your credit score is not merely a numerical value; it is a critical asset influencing your financial opportunities. Prudent credit management can unlock substantial benefits and opportunities.
Thank you for listening to "Your Credit Today." If you have not yet subscribed, please do so and share this valuable information with your friends and family. For personalized assistance, feel free to email Angela at Angelas@conquercredit.com or online at angelabessard.com.
If you require a speaker to provide expert Creducation to your organization, do not hesitate to reach out. My goal is to help you master your credit, enabling you to take proactive steps towards a secure financial future.
Hosted on Acast. See acast.com/privacy for more information.
This week's guest, Justin Krane, a certified financial planner professional, is the founder of Krane Financial Solutions. Known for his savvy, holistic approach to financial planning, he advises his clients on how to unite their money with their lives and businesses.
Justin shares insights about his personal and professional life, discussing his career path, family, and approach to financial planning.
This episode covers:
Teaching kids about money
The importance of automation in savings
Strategies for real estate investment
Balancing spending and saving
Overcoming financial challenges
Maintaining a grounded, humble approach to life and finances.
The episode winds down with a conversation about the significance of clarity, planning, and having the right support system to achieve financial goals.
04:16 Teaching Kids About Money
07:36 Leadership and Financial Education
09:55 Real Estate Investment Strategies
15:07 Automating Savings and Investments
18:51 Addressing Spending Problems
22:52 The True Cost of Daily Habits
23:47 Finding Joy in Small Luxuries
24:42 Balancing Spending and Saving
26:45 Inspirational Quotes and Their Meanings
30:09 Life's Turning Points and Inspirations
34:06 Entrepreneurial Challenges and Responsibilities
40:21 Final Thoughts and Advice
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When you have questions about anything credit related, The Real Credit Queen, Angela Setters Bessard has the answers. This week she's taking the overwhelm out of locking and freezing your credit. This episode is going to answer every question you ever had about the process, why you would do it, and how it helps you.
Locking your credit and freezing your credit are similar concepts aimed at preventing unauthorized access to your credit report and thus protecting against identity theft, but they have some differences:
- Credit Freeze Federally Regulated and backed by the US Justice Department
- Definition: A credit freeze restricts access to your credit report by potential creditors. When your credit is frozen, creditors cannot pull your credit report to open new accounts in your name.
- Initiation: You can initiate a credit freeze with each of the four major credit bureaus (Equifax, Experian, TransUnion & Innovis) individually. You may (very rare) need to pay a fee depending on your state laws, although most states provide this service for free.
- Process: You need to contact each credit bureau separately to freeze your credit, the 4 credit agencies are Experian, Trans Union, Equifax and Innovis.
- Credit Lock Private Service provided by Private Companies:
- Definition: A credit lock also prevents creditors from accessing your credit report to open new accounts, similar to a credit freeze accept that the credit agencies charge a fee for this service.
- Initiation: Credit locks are often offered by the credit bureaus themselves or by third-party services. They used to be more convenient to use than freezes because they could be activated or deactivated instantly online or through an app but now all agencies provide online access.
- Process: Unlike a credit freeze, the terms and conditions for credit locks can vary widely between providers. All of these providers charge fees.
Key Differences:
- Activation and Deactivation: One is Free while the other requires a membership but both allow you to do everything online.
- Cost: Credit freezes very rarely have fees associated with them depending on state laws and the circumstances under which you're requesting the freeze. Credit locks always come with costs, and fees are dependent on the provider and the services offered.
- Legal Protection: Credit freezes are mandated by law and provide specific legal protections against identity theft, while credit locks are often marketed as a convenience and do not offer the same legal protections.
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Angela, The Real Credit Queen is with Jhoanna Alba, founder and chief fashion designer of ALBA, brings over 20 years of fashion expertise to creating signature looks for an elite clientele. Her designs interweave bold, colorful custom fabrics that showcase each client's unique personality and style.
She shares her journey of decades in the fashion industry, detailing how she broke into the business with the guidance of her mentor, Magic Johnson. Topics discussed include
Financial literacy
Starting a business as a young person
Overcoming challenges
The value of mentorship.
Jhoanna details the importance of maintaining good credit the need for financial education among youth, and practices she adopted to support her business and team. They discuss practical financial tips, the impact of social media on financial decisions, and the cultural importance of teaching the next generation about money management.
00:00 Introduction and Guest Welcome
00:52 Breaking into the Fashion World
01:49 Mentorship and Magic Johnson's Influence
04:13 Entrepreneurial Challenges and Successes
06:11 Team Building and Company Culture
09:18 Financial Literacy and Early Life Lessons 1
2:26 Teaching Financial Responsibility to the Next Generation
16:23 Coupons, Apps, and Financial Tips
20:06 The Impact of Social Media on Financial Discipline
21:22 Teaching Financial Responsibility at Home
22:35 Using Credit Wisely: Personal Experiences
23:02 Building a Business with Credit
23:52 Expanding into New Markets
27:11 The Importance of Mentorship and Resilience
31:39 Practical Financial Tips for Young Adults
36:28 Concluding Thoughts and Advice
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How do you support your children to grow their financial literacy? The Real Credit Queen Angela is joined by her son Justin, an accomplished basketball athlete with a masters in business. They discuss financial literacy for young people and the importance of being business and financially savvy beyond the basics learned in school.
As successful as young athletes are in their sport, it's important to look beyond athletics for fulfillment and to diversify interests and efforts.
This episode covers
The importance of financial preparedness, including having savings for living expenses.
The negative perception of credit and the lack of financial literacy education in schools. It's important to use credit as a tool for building wealth, but it requires discipline and budgeting.
The influence of "flex" culture driven by social media and the lack of financial discipline and how to not overdo it financially.
The need to have a plan for the future including saving and and understanding credit and financial decisions.
With education, kids can be experts at disciplined, financial decision-making, and the impact these factors have on an individual's financial future when you take charge at a young age. It's never too early to grow your financial literacy!
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People always ask - I don't really understand why credit is so important. Why do the banks and financial institutions need to know about my history?
There are so many reasons! This episode is one of several where Angela is discussing your credit and the reasons consistency and a good ongoing relationship with your credit history and credit score is so important.
This episode covers -
Payment history and how it impacts your credit score.
The different types of bankruptcy and their long term implications.
How to build credit history and how to maintain your accounts for the logevity that creditors are looking for.
Late payments and how they can impact your credit score and your credit options
And over all - navigating the credit landscape and how to maintain a strong credit score
Make sure to tune in for the next episodes where The Real Credit Queen Angela shares more about what you need to know about your credit score.
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On Your Credit Today, The Real Credit Queen Angela Setters Bessard, is interviewing Matthew Hoffman, the founder of Trusted Advisor - the best platform for advisors with high profile entertainment, music and pro sports clients.
Trusted advisor is a platform that unites prominent business managers, artist managers, entertainment attorneys, wealth managers, family offices and other trusted professionals through an array of educational initiatives, exclusive meetups, and global summits to support athletes, entertainers executives and other personalities.
These clients, and their advisors, have unique needs from a technology, investment, cyber-security and risk perspective.
This episode covers
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Matthew's entrepreneurial background and lessons from earlier ventures
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The importance of financial literacy and investing early
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The value of networking events and the success of "Trusted Advisor"
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Building a platform to connect professionals in sports, entertainment, and music industries.
Matthew's venture expereince and advising A-listers teaches a lot about leadership, bouncing back from failure, and the magic of partnerships.
We dicussed the importance of tailored financial education for young high-earning talents (and really, for all of us!) and the need to build a positive networking environment.
Don't forget to subscribe and share this information. Thank you for tuning in!
Connect with Matthew here - https://trustedadvisor.la/
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This week the Real Credit Queen. Angela Setters Bessard is joined by Paul Viollis - Global Business Leader, Accomplished Author and TV & Radio Personality.
For over four decades, Paul Michael Viollis has dedicated his career to the protection of our country, as well as, the shareholder value of the businesses he has navigated to the pinnacle of their respective vertical markets.
On his speaking tours, his hands on expertise in subject areas of behavioral analysis, leadership development, corporate espionage, extortion/stalking, cyber security, family protection, and workplace violence allows him to develop unforeseeable insights that will have you at the edge of your seat and captivate your audience.
From corporate executives and high profile individuals to private families and sales teams, each attendee will leave with a renewed sense of focus and re-energized with information that can be easily and expeditiously implemented.
In this episode we discuss -
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Paul's career from the New York County district attorney's office to his current work in intelligence.
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Online predators and the importance of protecting you and your loved ones
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Safeguarding personal information online
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Insights into the deep web and dark web
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The STAR method for making informed decisions and concluding advice from Paul
The biggest takeaway in this coversation with Paul is the need for safeguarding our identity online and staying vigilant for scams.
Paul's expertise in cybersecurity and behavioural analysis highlights the dangers of online predators and hackers. His insights into the dark web and the potential risks it poses have been eye-opening.
For parents and caretakers of children - We've also been reminded of the importance of being cautious and protective of our kids as they are engaged in online activities.
Don't forget to subscribe and share this information. Thank you for tuning in!
Contact Paul here - pv@viollis.com
https://viollis.com/
Telephone: (212) 315-0088
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Today, we're discussing a subject that touches millions annually but is rarely discussed with the seriousness it deserves – identity theft.
It’s a topic that’s not only prevalent but also evolving, and it impacts personal finance and credit health in disasterous ways.
I’m thrilled to have the backbone of our operation at Conquor Credit, our Operations and Client Experience Manager, Samantha Headlee, joining us to share her knowledge and insight.
We're sharing our firsthand experiences and expert experience so we can equip you to protect your hard-earned credit.
00:51 The World of Identity Theft
04:51 Monitoring Your Credit
09:29 Real-Life Stories of Identity Theft and Lessons Learned
16:20 Protecting Yourself: Credit Locks, Freezes, and Fraud Alerts
19:46 The Importance of Including Your Phone Number on Fraud Alerts
21:01 Why You Should Avoid Making Statements on Your Credit Report
22:17 Identifying Red Flags for Possible Fraud
25:30 Understanding the Difference Between Soft and Hard Inquiries
28:48 Protecting Your Children's Credit from Identity Theft
31:19 Immediate Actions to Take When You're a Victim of Identity Theft
38:42 The Power of Persistence in Fighting Credit Injustice
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This week on 'Your Credit Today', the Real Credit Queen, Angela Setters Bessard is with guest AnGèle Cade, the CEO of Executive On the Go and a vision architect and business strategist. AnGèle helps passionate entrepreneurs honor their purpose and passion, while increasing their profits and validity all through the power of bulletproof business strategy and structure.
Now an entrepreneur for over 20 years, she recalls how going into business for herself was birthed out of failure. Her former employer ghosted his business and put everything she had worked for at risk. Her previous contacts started to reach out to her for support - she didn't realize that the culmination of experience and wisdom had gotten her to a place where the clients still wanted her to serve them.
This episode covers-
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The importance of separating personal and business finances to protect assets
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Understanding the distinctions between being an entrepreneur and an intrapreneur
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The impact of financial decisions on company valuation and retirement plans
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The significance of humility, teachability, and willingness to do the work for true business success
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The need for personalized financial and business structures and the importance of bringing in experts when dealing with complex financial structures and credit
Personal and business financial integrity are essential for safeguarding our legacies, and that proper planning and preparation are vital in navigating the complexities of entrepreneurship.
Success is not just about the end result, but also about the character, resilience, and ability to adapt and learn from failures along the way. As we've learned, personalized financial structures and the guidance of experts can make all the difference.
Let's take their wisdom to heart as we continue on our own journeys toward financial stability and business success. Thank you for joining us.
Be sure to like and subscribe for more empowering conversations with insightful industry leaders. And remember, our financial future is in our hands.
Connect with AnGèle here - https://angelecade.com/
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This week join Angela as she has a compelling conversation with Robbin Itkin, a Partner at Sklar Kirsh LLP - a business strategist and creative problem solver, financial restructuring specialist in all industries inside and outside of bankruptcy court and a certified mediator. They discuss the importance of understanding and managing one's finances, emphasizing the use of assets, the process of financial restructuring, mediation, and the concept of financial infidelity.
Robbin shares insights on her journey to becoming a lawyer, the significance of credibility, and maintaining relationships in both personal and professional contexts. They also both recognized the importance of open communication with creditors, learning and seeking advice for financial fitness, and ensuring the integrity and precision in legal advice.
The episode ends with Robbin offering a critical credit tip and sharing how listeners can reach her for further guidance. This conversation is educational and will inspire you to be informed, proactive, and responsible in your financial and legal affairs.
Contact Robbin here -
https://www.sklarkirsh.com/professionals/robbin-l-itkin
02:11 Introducing Attorney Robbin Itkin
02:27 Demystifying Assets and Financial Restructuring
05:37 The Journey to Becoming a Lawyer
09:07 The Power of Communication in Relationships
15:03 Unpacking Financial Infidelity and Fraud
18:59 The Importance of Financial Planning and Education
25:15 Embracing Financial Independence and Literacy
27:53 The Value of Trust and Verification in Financial Advice
28:45 Personal Financial Management: A Must for Everyone
29:10 Learning from Mistakes: The Importance of Financial Oversight
31:02 Credit Management and the Power of Knowledge
35:03 Mentorship and Continuous Learning in Finance
39:22 Advice for Staying Professionally Engaged
43:33 Becoming Financially Fit: Tips and Strategies
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Becoming an authorized user or actually allowing someone to be an authorized user on your credit card can really help in a pinch. Listen and learn the quick tips that you need to know so that you can make the right decision to either add someone to your credit card or be added to someone's card. You need to know the facts so that you do not make a big credit score mistake!
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In this episode The Real Credit Queen, Anglea talks about unleashing habits that will help you be a better person overall as it pertains to your money and how that flows in your life. As we go into the holidays, it's really important to have a plan so that we don't get in debt. Too many times people that don't plan for the holidays get in super.debt and it's all because they wanna have these lavish gifts that they're giving to their kids or they're giving to their family, and although I completely understand, giving is from the heart and sometimes people get super excited about giving and I think it's a beautiful thing. We have to be very careful that we are not getting into debt, wanting to please.
What You Will Hear:
- Turning up the frequency of love and gratitude
- Holiday spending and debt
- Planning and budgeting
- Preparing ahead of time and advice on how to prepare
- Planning to save
- Planning for the future
- Mental health
- Emergency funds
Quotes:
“You're never too wealthy to use coupons.”
“When you get in the habit of making plans for things, then you're going to feel so much more peace and at rest.”
“You should have so much money put aside for your reoccurring expenditures, your mortgage, your rent your car payment, your insurance, whatever it is that you have that are fixed expenses, you should have at least six months to a year ahead of time put away.”
“You're never ever too broken to be fixed.”
“I care about your future, and more importantly, I care that you understand how to use your money and your credit as a tool to build wealth.
Mentioned:
AngelaBessard.com
Angelas@conquercredit.com
I AM Music Group
Angela sits down with Jacob Hipensteel to discuss the credit system, errors in reporting and how to resolve issues. Jacob is a consumer attorney licensed in Arizona. He's a partner and the director of litigation at McCarthy Law PC a national law firm that focuses on fighting.
For the little guy, McCarthy Law fights for justice by suing banks, debt creditors, and collectors and credit reporting agencies for violations of consumer protection laws.
What You Will Hear:
- What inspired Jacob to be a lawyer
- What a consumer attorney does
- Common credit report errors and resolution issues
- Customer service. Credit report agencies customer vs consumer
- Identity theft
- What attracted Jacob to consumer law
- Early financial literacy. The envelope system
- Best advice ever received. Growth mindset
- Becoming more financially fit. Understanding budgeting and credit as tools
- Shocking and concerning facts about credit disputes and scores
- Advice for our youth
Quotes:
‘The whole system is set up in a way that they're not able to review the disputes, correct the errors and do what's right by the consumer.”
“As unfortunate as it is, there I think everybody understands that we live in a pretty litigious society. I mean, everybody's gonna sue everybody for anything all the time…..but at the same time, there's not a lot that gets a big bank's attention outside of a lawsuit sometimes.”
“it's supposed to be hard when you're learning new things. When you're trying to grow it's supposed to be hard. That's the point. That's you growing.”
“You can't do that. You can't use credit as a tool if you don't understand how it works.”
“If you're looking at something and you don't like the way it works or you don't like the system that's in place you don't like how things are functioning, you can do something about it. There's ways to change these things.”
“It's important to make sure that the advice you're getting is real advice and that you're not just going in circles because it's hard enough to get things fixed when you're doing it the right way.
Mentioned:
McCarthy Law
AngelaBessard.com
Angelas@conquercredit.com
I AM Music Group
Angela sits down with Jacob Hipensteel to discuss the credit system, errors in reporting and how to resolve issues. Jacob is a consumer attorney licensed in Arizona. He's a partner and the director of litigation at McCarthy Law PC a national law firm that focuses on fighting.
For the little guy, McCarthy Law fights for justice by suing banks, debt creditors, and collectors and credit reporting agencies for violations of consumer protection laws.
What You Will Hear:
- What inspired Jacob to be a lawyer
- What a consumer attorney does
- Common credit report errors and resolution issues
- Customer service. Credit report agencies customer vs consumer
- Identity theft
- What attracted Jacob to consumer law
- Early financial literacy. The envelope system
- Best advice ever received. Growth mindset
- Becoming more financially fit. Understanding budgeting and credit as tools
- Shocking and concerning facts about credit disputes and scores
- Advice for our youth
Quotes:
‘The whole system is set up in a way that they're not able to review the disputes, correct the errors and do what's right by the consumer.”
“As unfortunate as it is, there I think everybody understands that we live in a pretty litigious society. I mean, everybody's gonna sue everybody for anything all the time…..but at the same time, there's not a lot that gets a big bank's attention outside of a lawsuit sometimes.”
“it's supposed to be hard when you're learning new things. When you're trying to grow it's supposed to be hard. That's the point. That's you growing.”
“You can't do that. You can't use credit as a tool if you don't understand how it works.”
“If you're looking at something and you don't like the way it works or you don't like the system that's in place you don't like how things are functioning, you can do something about it. There's ways to change these things.”
“It's important to make sure that the advice you're getting is real advice and that you're not just going in circles because it's hard enough to get things fixed when you're doing it the right way.
Mentioned:
McCarthy Law
AngelaBessard.com
Angelas@conquercredit.com
I AM Music Group
Special guest Tisha Janigian is a single mother of two teenage boys and the president and founder of nonprofit She is Hope LA. The mission is to educate and empower single mothers starting over in the workplace and to provide affordable transitional housing and childcare. The She Is Hope Realty Boutique just opened at the end of October in Encino and all proceeds go back to the nonprofit. Go to Tisha and her team because it goes for a fantastic cause. Notes: Single mothers a hand up instead of a handout https://www.sheishopela.org (sheishopela.org) determined to make a difference and fix the welfare system My father told me to get into real estate to take my life to the next level.
Quotes: "When my ex and I split I had no credit, no money, and no assets to my name so it was really hard to start over" "I realized our system is broken and there is a gap over poverty" "I finally got a break with a job for a few hours a week, just over minimum wage, and because of that my food stamp benefits went down to almost nothing." "We educate our moms with experts on things like financial and legal advice, job training and preparation, mind-body wellness, and peer support."
Special guest Tisha Janigian is a single mother of two teenage boys and the president and founder of nonprofit She is Hope LA. The mission is to educate and empower single mothers starting over in the workplace and to provide affordable transitional housing and childcare. The She Is Hope Realty Boutique just opened at the end of October in Encino and all proceeds go back to the nonprofit. Go to Tisha and her team because it goes for a fantastic cause. Notes: Single mothers a hand up instead of a handout https://www.sheishopela.org (sheishopela.org) determined to make a difference and fix the welfare system My father told me to get into real estate to take my life to the next level.
Quotes: "When my ex and I split I had no credit, no money, and no assets to my name so it was really hard to start over" "I realized our system is broken and there is a gap over poverty" "I finally got a break with a job for a few hours a week, just over minimum wage, and because of that my food stamp benefits went down to almost nothing." "We educate our moms with experts on things like financial and legal advice, job training and preparation, mind-body wellness, and peer support."
Last show we talked about the big picture of how to get organized in a way that helps you keep the right mindset about spending and using credit cards. This week let’s dive deep into that conversation and unpack the why behind our decisions with money and debt. I get questions all the time from people on how to get points to travel for free and the answer is you have to spend money! We live in a society of social media that makes things look easy, the age of desire from what we see can make us take a path unintended that can lead to disaster. It's important to create good habits and keep your mind on your money and credit! What You Will Hear: Carrying cash Protecting your future The dangers of money apps Paying attention, being curious and cautious Social media influence, researching and fact checking Credit cards and point systems Get educated Leveraging your system Time Shares
Quotes: “We live in a digital economy that is ever growing with new ways to pay and spend.” “Talk to me like I’m two.” “With new levels come new evils.” “Anything that you do in life that gains bountiful returns requires hard work.” “Your credit is an investment tool to build wealth.” Mentioned: https://angelabessard.com/ (AngelaBessard.com) Angelas@conquercredit.com https://www.iammusicgroup.com/ (I AM Music Grou)
Angela guides you through the steps, tools, systems and implementation of a money management plan. . What You Will Hear: Credit Cards Making a plan step by step process Simplifying your systems Apps, online and easy access spending Real money conversations with your kids Tools needed to maintain good credit Credit cards and spending limits Taking control and preparing for the future
Quotes: “If you’re not managing your spending it’s really easy to overspend and not know that you’re doing it.” “Sit down and have money conversations with your kids.” Mentioned: https://angelabessard.com/ (AngelaBessard.com) Angelas@conquercredit.com https://www.iammusicgroup.com/ (I AM Music Group)
Angela guides you through the steps, tools, systems and implementation of a money management plan. . What You Will Hear: Credit Cards Making a plan step by step process Simplifying your systems Apps, online and easy access spending Real money conversations with your kids Tools needed to maintain good credit Credit cards and spending limits Taking control and preparing for the future
Quotes: “If you’re not managing your spending it’s really easy to overspend and not know that you’re doing it.” “Sit down and have money conversations with your kids.” Mentioned: https://angelabessard.com/ (AngelaBessard.com) Angelas@conquercredit.com https://www.iammusicgroup.com/ (I AM Music Group)
Owen Beiny (@thepointspartner), better known as The Points Partner is a former CEO that has spent the last 20 years traveling around the world for free by using credit card points, air miles, upgrades and benefits. Owen joins Angela to talk about maximizing credit card benefits and what are the best credit cards to have. Best advice received Value vs. money Financial literacy and lack thereof Ownes financial education The evolution of credit cards The importance of knowing the benefits of credit cards Insurance Back Security American Express Passive income Top 5 Credit Cards for each individual American Express Rose Gold card
Quotes: “don't ever expect anything from anyone, unless you've done something for them first. Giving is absolutely the most important thing you can do.” “Having money won't make you happy. Not having money will make you unhappy”. “Money itself doesn't have the value.” “That is the best attitude to have is to always have your hands open, prepared to give.” “Being a millionaire, won't make you happy, but I'd like to find out the hard way. “ “Why are we teaching kids, how to do algebra and where to put commas in sentence? When they leave school and they enter the real world, what they actually need to know is how do they restore their own credit? How does the credit system work? How does the banking system work? How much taxes should they pay? Should they have an LLC, an S Corp, a C Corp and all of the real estate mortgages, helocs, none of the things that real humans, real adults need to know about, re they teaching.” “There is not a single annual fee of a credit card in America today that is not easily, easily justified. If you understand the benefits of the card,” Mentioned: https://thepointspartner.com/ (Pointspartner.com) https://academy.thepointspartner.com/ (Fly Free Academy) https://www.instagram.com/thepointspartner/?hl=en (Instagram) https://www.tiktok.com/@thepointspartner (TikTok) @thepointspartner Angelas@conquercredit.com https://www.iammusicgroup.com/ (I AM Music Group)
Angela chats with bada-ass Marlo Nicole about her wit grit and steadfast hunger. Marlo is a wine enthusiast, cannabis expert hospitality, founder, all around financial genius. When we speak about women and money, it's not just some clickety word real. For many years, women have been evolving in spaces one would never think of them to enter. And Marlo has done just that. She is a bad-ass we'll talk all about her wit grit and steadfast hunger. What You Will Hear: What inspired Marlo take on the world of entrepreneurship Marlo’s love of helping others Cannabis The power of words Learning about credit and its importance at an early age Entrepreneur vs Intrapreneur Marlo’s motivation Best advice: Using other people’s money (OPM) The importance of financial literacy and education Advice for parents
Quotes: “For anybody in the world of being an entrepreneur, no becomes an opportunity for you to find the yes.” “Words are like seeds and, you know, when we burst them out of our mouth they go into the earth, they germinate and they become something.” “Your credit is an investment tool to build wealth.” “I don't care if your kid says, mom, I don't want to hear it, dad. I don't want to hear it. You keep talking and don't shut up. They're listening.”
Mentioned: Angelas@conquercredit.com https://www.iammusicgroup.com/ (I AM Music Group)
Angela invites guest Ralph Bessard to join the conversation on the importance of having a credit plan.
In this episode Angela talks about the importance of creating a credit plan. Listen in to learn the do’s and don’t’s of creating your credit plan. What You Will Hear: Overview of credit plan. Credit cards. The impact of interest. Credit stacking. Consumer credit vs. business credit. Thinking outside of the box. Starting a plan of action.
Quotes: “People only think about what’s in front of them.” “If you buy and hold property, you will absolutely have a return.” “What I want to do is prepare you to have a credit plan so that you can be prosperous in the future.” Mentioned: Angelas@conquercredit.com
When God gives you a gift you run with it like the wind and Rodney Barnes has truly tapped the sun when we talk about creative writing and producing. He writes funny, serious, fantasy, and comics for all ages. He is a super giver, a dad and entrepreneur, funny as heck, super connected and one of the kindest humans. His class, kindness and never quit attitude are admirable. He is sharp, a game-changer in the screenwriters world and the true meaning of a conqueror and friend. Rodney is an American screenwriter and producer. He has written and produced the Boondocks, My Wife and Kids, Everybody Hates Chris, Those Who Can, Marvel’s Runways, American Gods, Wu-Tang and American Saga and is currently an executive producer and writer on HBO’s Untitled Los Angels Lakers Drama. Rodney has earned top honors for his work from Peabody Awards, American Film Institute, Writers Guild of America, BET Comedy Awards and NAACP Image Awards. What You Will Hear: Rodney’s journey in to writing. Pivotal Aha moments in Rodney’s life. Rodney’s why in life. Creating different revenue streams. Thinking from your heart, manifesting things in your life and self awareness. Being honest with yourself. Learning patience through learning about credit. Credit and behavioral patterns. The gift of financial literacy and credit literacy.
Quotes: “Writing from my heart instead of my head there’s a level of satisfaction that comes from my work.” “I learned early on that if I have a number of things going on at one time, if one falls off I always have something keeping me moving forward.” “Humility is the bridge to being a better person.” “If your want doesn’t line up with your aptitude, that can bring a lot of heartache.” “Your credit is an investment tool to build wealth.”
Mentioned: Angelas@conquercredit.com Damon Wayans Devon Franklin
In this episode Angela explains everything you need to know about handling your cable bills when moving and how they can affect your credit. What You Will Hear: Reporting public utilities on your credit report. Instructions on how to handle moving. Returning equipment. Old equipment and upgraded equipment. Owning multi unit real estate. The ending bill. Collection companies. Mid-west companies.
Quotes: “Nobody actually buys their cable equipment.” “In all situations you need to care about yourself and you need to care about your business.” “The collection companies that actually collect for all of these cable companies are very, very difficult to negotiate with. A lot of these companies are not willing to delete this information.”
Mentioned: Angelas@conquercredit.com
Troy Carter has managed the careers of some of the world's icons all the while being the best dad, husband leader and friend to so many. Opening his home and heart for great causes to help heal our nation and of course, his big passion, changing the way digital music expands. His class, experience and true grit are admirable. Troy is quick, sharp, a game changer and the true meaning of a conqueror and friend. Troy is the founder and CEO of Q&A, a technology and media company focused on powering the business of music via distribution, services and data analytics. Formerly Troy was founder and CEO of Atom Factory where he rose to prominence nurturing the careers of global superstars including Lady Gaga and John Legend. He most recently served at Spotify as its Global Head of Creator Services overseeing the company's growth strategy for artists and record labels. In 2017 Troy was also named Entertainment Advisor to the Prince estate. His interest in the intersection of technology and culture resulted in the formation of AF Square investments. Early investments include Uber, Lyft, Dropbox, Spotify, Warby Parker, theSkimm, Blavity, Gimlet Media, Thrive Market, PlayVs, and FazeClan. What You Will Hear: What inspired Troy to take on the world of music. Advice for 15 year old Troy Carter. Early experience in the music industry. Financial advice and becoming a real business man. Troy’s Why and what keeps him motivated. Fear of failure vs. field of possibilities. Humility and Philanthropy. Best advice received and best advice given. Understanding and capturing value. Financial literacy. Access. Changing financial awareness in America. Understanding the credit system, compound interest and tech investing as platforms. Financial PTSD: Getting past stigma and embarrassment around money. Worthiness and survivor’s guilt.
Quotes: “When you make some money from music, buy real estate.” “My why is more of a why not.” “What you do speaks so loud I can’t hear what you say.” “As long as the cat is bigger than the shit you keep the cat” - Jimmy Iovine “Showing up is 65% of the battle and most people don’t show up.” “You can’t ask directions to a street you don’t know that exists.” “The music industry has done a lot for me, but investments have done a way more in terms of platform.” “Your credit is an investment tool to build wealth.” “When you invest yourself in understanding how something works and how it can work for you there is so much you can do.” Mentioned: DJ Jazzy Jeff and Fresh Prince Kenny Gamble Philadelphia International Records Jimmy Iovine The Atom Factory
Adrienne Ballion Houghton is a daytime Emmy award-winning television host, acclaimed pop vocalist, lifestyle personality, producer, and founder of the faith-based jewelry brand and luxury fashion label La Voute. Houghton co-hosts The Real, a one-hour daily talk show on Fox television stations that premiered in 2013 and made Houghton the first Latina daytime talk show host on English language television. Throughout its 8 seasons, Houghton has offered the show’s engaged audience fresh points of view, youthful energy, and passion. Along with her bold, diverse, and outspoken co-hosts, Houghton won a 2018 Daytime Emmy Award as Outstanding Entertainment Talkshow Host and a 2018 NAACP Image Award for Outstanding Talk Series. Houghton launched her weekly Youtube series, All Things Adrienne, April 2018. Serving as executive producer and fearlessly bridging viewers into her daily life through real conversations centered around her core values and relatable everyday topics. From fashion and beauty to cooking and home decor to family and faith. Since its launch, the channel has grown to over 1 million subscribers and has generated more than 100 million total views. Extending her digital footprint into the fashion space, Houghton debuted the Facebook watch series, Wear It Well, in October 2019 aiming to provide women of all shapes and sizes tips for dressing confidently, In each episode, Wear It Well challenges Houghton to style and dress a group of friends with diverse body types, guiding viewers along the way with a body positive approach to fashion and insight into finding wardrobe staples that are a perfect fit for anyone. In November of 2018, Houghton released X1X1, an affordable jewelry brand inspired by signature pieces from her personal jewelry collection that have been passed down through generations of her family. What You Will Hear: Inspired by her hard-working mother and her immigrant, hard-working father. Adrienne’s Why. Creating generational wealth. Teaching our children about finances. Best advice ever received. Self-discipline. Saying no. Perspective and goals. One thing Adrienne never knew about credit that she now knows and thinks is important for our youth. The importance of building credit, credit score, and being responsible with your credit
Quotes: “Self-discipline is the greatest form of self-love.” “Learning that it’s ok to say no and self-discipline go hand in hand.” “What am I doing today that is going to benefit me tomorrow.” “Never spend the money you don’t have.” “You can have millions of dollars but no one trusts you if you have bad credit.” “Credit is a risk assessor, and what it does is help the bank understand what kind of risk you are.”
Mentioned: https://thereal.com/ (The Real) https://shoplavoute.com/ (La Voute) https://shopxixi.com/ (XIXI) Santorini, Greece
Marriage and Divorce - We never plan for divorce but we make a whole lot of wedding plans but no financial or credit plans. Some think its crazy to ask someone what their credit score is but honey, its crazy if you don't. Your future depends on details, make them before marriage and divorce, you'll be happily ever after either way!
Sometimes we are too excited about the new car we forget the details of closing out the old one, take care of your business dude!
The business of collections and the industry is worth over $12 billion a year. Collection agencies work hard to recover unpaid debts and make it a practice to confuse the consumer in many different ways. Being informed and armed with the right information will help you navigate these issues and more when dealing with an old or current collection account.
The Real Credit Queen continues her talk with her kids or young adults really, ages 23, 24 and 25 about the essentials of having a plan and working it to find success. Having a plan around your money and ideas is super important so listen in and spend time with your loved ones talking about their future!
Kids and their Life Hacks #1
They say we should teach our kids, but how can we in a busy world with so many things to do. I’ll tell you how! Schedule it! If you don’t schedule time to talk to your kids about training them up in the way they should go in the world someone else will, and it may not be the influencer you were thinking. Our kids no matter how old they are need us to train them, mentor them and love them into positions of greatness especially when it comes to living life in the way that shoots the arrows towards success! Listen in as I talk to my son and sister about our 7 weeks of Life Hacking!
The Credit Queen answers important questions from those that are struggling to find answers to their current credit predicament.
Angela and Samantha talk about how Collections can be avoided if you monitor your credit but even then collections happen. Learn the tips and information need to combat the collection agencies and equip yourself with the knowledge to win and take action when it comes to navigating the collection world.
Angela will teach listeners the important tricks, trends and alerts about the monitoring process and how to pay attention when it matters most!
Episode Outline: Monitoring your credit is a sure way to catch fraud and identity theft and protect your valuable asset! But what about the importance of managing your score and learning how your credit and score can stay bankable, learning the trends of your creditors and ultimately feeling good about knowing what to expect when you make your next purchase. When we take the time to learn why our credit is a valuable asset we will always win and stay ahead of the game!
The Real Credit Queen and special guest Sam Headlee go though examples of clients who are dealing with unexpected issues related to their payments and credit.
Episode Outline: At the beginning of the stay at home order, many customers were looking for options to extend payments and reserve their cash for emergencies since they had lost jobs, contracts and business. Many entered into different options to defer payments. We discover and discuss just what those options were and what is happening now as we open the country back up.
You can avoid medical collections ending up on your credit report by negotiation ahead of time. Learn how to manage and navigate medical debt for success and saving your credit score!
What you will hear in this episode
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When I am checking out of the doctors office or hospital
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Do I understand my part to pay and my insurance
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Understanding Cash Price versus insurance price
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Setting up a payment plan in writing
In this episode the Real Credit Queen explains mortgage and billing statements line by line.
The Real Credit Queen outlines the details you should know before you lease or purchase your next car.
The Real Credit Queen talks about ways to take advantage of the credit system and increase your credit score in less than 60 days.
The Real Credit Queen and her protege Sam Headlee talk about current market scenarios that can adversely effect your credit report and limit your ability to leverage your credit.
Angela talks about tax planning and life and leadership with Lisa Bruno from Bruno and Patterson
Bruno and Patterson CPA
https://www.bestcpaservices.com/ (https://www.bestcpaservices.com/)
lisa@bestcpaservices.com
877-998-1040
How to get your credit in tip top shape. What to expect when hiring a company to repair your credit. The Real Credit Queen takes a deep dive into areas to which you should be privy if you are serious about repairing your credit.
Understanding the Credit Score System
Length of Credit History
Debt to Credit Ratio
Payment History
Address History
Multiple Names
New Credit
Types of Credit
Any Credit closed over 90 day period
Credit Bureaus
Monitoring
Identity Theft
Collections & Legal Judgements
Statute of Limitations
Types of Collections
Credit Card companies and late payments
Mortgage Late
Taking a moment to share my interview with I AM Music Group. I AM Music Group is the company I use to record, produce and distribute my podcast. In this interview you will gain more insight into my life as the CEO of Conquer Credit Management and you'll find out what inspires me to lead in areas of credit and finance for over 30 years.
Angele Cade, CEO of Exec on the go discusses growing your small business in the current market conditions with Angela.
https://www.instagram.com/angelecadethebrand/?hl=en (AnGèle Cade)
Exec On the Go
https://execonthego.com/ (https://execonthego.com/)
The Real Credit Queen sits down with Christen Berman of Wealth Cornerstones to discuss why insurance should be seen as an investment.
Christen Berman | Wealth Cornerstones
http://www.wealthcornerstones.net | christen.berman@wealthcornerstones.net | 805-342-0711
Put on your seat belt. Grab a pen and pad. Samantha dives deep into the world of student loans and provides a wealth of information for those who are considering or already have existing student loans,
Looking into the world of Entertainment with business management couple Amir & Pam Malek.
Did you apply for a PPP loan? Did you sign the PPP loan contract? Have you received funds for you PPP loan? Did you ask for a forbearance on your mortgage? Quick tips regarding recent findings with some of Angela's clients.
Angela and Angele are at it again. Great tips to help start or create a healthy small business environment.
Special Guest
Angele Cade | Executive On The Go
http://www.exconthego.com/ (www.exconthego.com)
In this episode Angela gives up-to-date tips regarding credit scores and credit history as she reviews the questions she's received from clients.
We are happy to have Jeffrey on our show. Jeffrey's clients are: high net-worth families, family offices, athletes, entertainers, business owners, corporate executives, celebrities, and retirees. He also works with publicly traded small to large size companies. Jeffrey's team works with government agencies, employee benefit plans, ERISA qualified plans, endowments, foundations, and other institutional entities.
Fratarcangeli Wealth Management
http://fratarcangeliwealthmanagement.com/ (http://fratarcangeliwealthmanagement.com)
Right now we have an influx of calls regarding deferred payments. Listen to A to the N to the G as she provides answers and tips regarding your deferment questions. Conquer Credit Angela Setters Bessard customerservice@conquercredit.com
Put on your seat belt, "This is a time to pivot and adapt." Special guest Michael Rozbruch provides an in depth look into the world of finance. Michael explains how to best navigate the IRS and insightful planning advice that many CPA's should use to help their clients remain strong during these these unstable times.
Michael Rozbruch
Roz Strategies.com
info@rozstrategies.com
888-670-0303
Great tips on ways to protect and prepare your credit for what's ahead. Do you have interest in starting your own podcast? Check out I AM Music Group https://www.iammusicgroup.com/podcast Let them know that "A" to the "N" to the "G" sent you.
Learn more about Accounting Recruitment what's happening in the current financial market with special guest:
Allan Fisher
Premier Financial Search
allan@pfssearch.com
(661) 799-0101
Angela interviews her mother, Frances Kiradjian, a four year decade expert in the hospitality industry.
Frances Kiradjian
Founder & CEO
https://blla.org/ (BLLA) - Boutique & Lifestyle Leaders Association
Co-Founder & Executive Editor
https://stay-boutique.com/ (StayBoutique)
What can we do right now to ensure that our credit and finances are in good standing? This show and our upcoming shows will give tips to ways you can protect, rebuild, and maintain your credit so you can take advantage of the opportunities ahead.
We are now in times where opportunity can be found by those who look for it. Find out what you should be focusing on in your finances. Plan and prepare for the future.
As we move into a new normal with the current state of our world, this is a great time to get ready for what's ahead. Find out what you can do to plan for the future and keep your credit and finances in order.
Though we are not endorsed, find out what we have to say about creditkarma.com
We share helpful tips and tools to give you an advantage in todays financial market.
Today Angela covers a wealth of information regarding Nonprofits with special guest and expert Angele Cade.
Angele Cade | Executive On The Go www.exconthego.com
Do you need to know about LLC, S Corp and C corps listen to the expert as Angele de spells the mystery.
With Special Guest
Angele Cade | Executive On The Go
http://www.exconthego.com/ (www.exconthego.com)
Do you need to know about LLC, S Corp and C corps listen to the expert as Angele de spells the mystery.
With Special Guest
Angele Cade | Executive On The Go
http://www.exconthego.com/ (www.exconthego.com)
If you are looking to buy/sell your home or just need more information about buying/selling in todays market you'll want to listen to this show. Our guest Kristina Theard walks us through her process and gives tips on how she plans to make the process as smooth as possible. Kristina Theard - The Agency 310.245.9262 | Kristina.Theard@TheAgencyRE.com
Are you educating your kids about credit so they have a bright financial future? This show will give you the tips you need to help introduce your children to the credit system and how it works.
Don't understand why you credit score keeps going up and down? We provide the answers in this show.
Reverse Mortgages explained. Today we sit down with mortgage expert, Marc Gertz to find out what Reverse Mortgages are and how they are being used in today's market.
Marc Gertz - West-Cal, Reverse
reverseurthinking.com | marc@westcalmtg.com
More great information on keeping your books and records with special guest Hannah Wilson Frey. With over 15 years of experience, Hannah's company Accountability 108 focuses on bookkeeping and financial management that is specifically tailored for each customer needs.
Hannah's contact
Accountability108.com | hannah@accountability108.com
Do you or anyone you know have questions about settling debt? This show will give you a clear picture of when or when not to settle.
Do you know if you need to build your credit? Do you know how? Find out the answers in this show.
If you are still confused about how your credit score the different scoring systems this is the show for you.
It's holiday time again! Angela talks about making it through the holidays without ending up in huge debt.
Angela discusses difference between identity fraud and identity theft. Find out how you can protect your credit score.
Jeff Becker discusses new tax laws and how you can better prepare yourself for tax time. Winningham Becker and Company Jeff Becker 818-598-6525 Jbecker@wbac.com
Working with a company that cares about you and the effects credit can have on your life.
Fun credit stories that will help you understand how to better take care of your credit.
Fun credit stories that will help you understand how to better take care of your credit.
Communicating with collection agencies takes time and persistence. In this show, find out the best way to communicate with the agencies to get your desired outcome.
Insightful information on different types of inquiries and how they effect your credit score.
Learn from seasoned credit repair superwoman how the pros use credit as an investment tool.