Podcaster
Episoden
27.03.2012
1 Minute
101 Financial Excellence: All Good Things Come to an End, Mar 27, 2012. Show notes: I really apologize for the audio issues again today. I thought I could record through the video on Ustream to get around the sound card issues I have but it still came through with issues. Anyway, in episode 100 I told listeners the show would continue in some form indefinitely. Since then, however, I feel like God has been calling me in a different direction. In an effort to follow His calling, Janelle and I announced today that the Living in Financial Excellence podcast will be coming to a close. You'll have to listen in to hear our reasons why. By the way, the Financial Excellence blog will still continue, and I mean that. We've got a great team of staff writers built who are putting out some awesome content. I urge you to continue checking the blog and learning from the incredible talent that has joined the team. A special thanks to the following coaches, podcasters, bloggers, and mentors (in no particular order) who have provided support in one way or another over the past two years of this show: Jon White Steve Stewart Jackie Walters Cliff Ravenscraft Glen Steinson Justin Lukasavige Chuck Bowen Matt Kadlec Meg Crispin Cristina Perez Kim Hall Kevin Suddick Cindy Hirch The post 101 Financial Excellence: All Good Things Come to an End appeared first on Financial Excellence.
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14.03.2012
1 Minute
100 Financial Excellence: Listener Feedback and Coming Changes, Mar 13, 2012. Show notes: Today got off to a rough start but I managed to power through it. Our second computer crashed (the one that does the recording) and I had trouble with my main computer. The audio wasn't working quite right, and I wasn't able to play sound through the computer and mixer without it sounding really bad. So I had to record the show with no bump music. But no big deal, because I could do some post-production editing later. But then I lost the audio project and the whole show was lost. YIKES! Luckily I had recorded a video on Ustream. I was able to play the video back and pipe the sound into Audacity to record the show again. I don't think the audio is the best it can be, but it sure beats no audio at all! Anywho, I made some major announcements about the changes that are coming for Financial Excellence and the podcast. I don't want to give it away, so you'll have to listen to the whole episode to hear what's going on. You can influence what we talk about in future shows. Simply fill out this three-minute survey. Like what you hear? Visit the iTunes store and leave a review or leave a comment below. Or call our listener feedback line and leave a voice message that we can share on the air. As always, we appreciate your feedback! The post 100 Financial Excellence: Listener Feedback and Coming Changes appeared first on Financial Excellence.
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28.02.2012
1 Minute
Episode 99: Overcoming the Roadblocks to Debt Elimination Feb 28, 2012. Today I welcomed financial coach Kevin Suddick back to the show to talk about the major roadblocks he sees with his financial coaching clients who are trying to get out of debt. Don't forget: Living In Financial Excellence airs LIVE every Tuesday at 10 a.m. CST. You can watch live and join the chat at financialexcellence.net/live-show Show notes: Next week is episode 100! That means for 100 weeks - almost two full years - we've been recording and airing our shows. Next week we're celebrating by sharing listener comments on how living in financial excellence has helped them. The first roadblock Kevin mentioned was the housing bubble. It used to be easy to sell a house or other stuff to eliminate debt, but the housing bubble made that much harder to do. It can still be done, but you need a plan for your money in the meantime. Some people just have trouble getting started because they are hopeful that things will get better on their own. Kevin's advice is to reach out for help because things don't get better on their own and a financial coach can help you get back on track. Many people fail to get out of debt because they're inadvertently going deeper into debt. This happens most often when they use their credit card for an emergency fund. Because it's so easily accessible, the credit card starts covering all the little shortages of cash, and everything becomes an unofficial emergency. The result is more debt. Medical expenses derail many people in their efforts to be debt free, but it doesn't have to be that way. Being prepared with the right kind of medical coverage makes all the difference in the world. Student loans are a big anchor for many of our clients. Too many people simply accept that they'll have those loans for 10 to 30 years. Don't accept that reality. Get motivated and pay them off so you can free up cash flow and empower yourself to win with money! The number one roadblock to eliminating debt is a lack of sacrifice. This should come as no surprise to anyone. Still, it seems that lots of people want to be debt free but aren't willing to work or sacrifice to get there. Nothing in life worth doing comes easy. Freedom from debt is no different. You can influence what we talk about in future shows. Simply fill out this three-minute survey. Like what you hear? Visit the iTunes store and leave a review or leave a comment below. Or call our listener feedback line and leave a voice message that we can share on the air. As always, we appreciate your feedback! The post 099 Financial Excellence: Overcoming the Roadblocks to Debt Elimination appeared first on Financial Excellence.
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21.02.2012
1 Stunde 1 Minute
Episode 98: Can you Survive on a Teacher's Salary? Feb 21, 2012. Today I interviewed Danny Kofke, author of How to Survive (and Perhaps Thrive) on a Teacher's Salary (affiliate link). Danny is a wonderful voice of sanity in a world where we constantly clamor for higher income because we "just don't make enough." I really enjoyed the interview and I think Danny's words of wisdom are so valuable for anyone living on any income (not just a teacher's salary). Don't forget: Living In Financial Excellence airs LIVE every Tuesday at 10 a.m. CST. You can watch live and join the chat at financialexcellence.net/live-show Show notes: Danny has been teaching for only 12 years and only makes $43k per year. While that's not a bad income, it's certainly not a lot of money. Yet Danny and his wife are debt free except the mortgage! Generally speaking, teachers don't make a lot of money, but most make more than enough to survive and live within their means. Danny shares some tips from his own experience. You don't need a finance degree to be good with money. In fact, having a financial degree or background doesn't necessarily mean you're good with money either. Financially mature people know that happiness isn't found in the stuff you spend money on. It's found in the things we do and how we spend our time. Danny says having money doesn't change you. It amplifies your personality traits. If you were a giver before you had lots of money, you'll be a bigger giver when you have more money. If you're a jerk when you have a low income, you'll be a bigger jerk when you have a higher income. Danny and his wife are successful financially because they have had goals and a plan to reach those goals. How many of us wander through life without knowing what we want to accomplish? And then we wonder why we don't have enough money to retire... AMP stands for All My Payments and gives you a score from A to F, which seems to be a lot easier to understand than some three digit number… You can connect with Danny on Twitter or visit his website at dannykofke.blogspot.com. I think you should. ;o) You can influence what we talk about in future shows. Simply fill out this three-minute survey. If you get a chance, pick up one of Danny's books: Like what you hear? Visit the iTunes store and leave a review or leave a comment below. Or call our listener feedback line and leave a voice message that we can share on the air. As always, we appreciate your feedback! The post 098 Financial Excellence: Can you Survive on a Teacher’s Salary? appeared first on Financial Excellence.
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14.02.2012
1 Minute
Episode 97: eCredable is the long awaited alternative to the FICO score, Feb 14, 2012. Today I interviewed Steve Ely, CEO of eCredable. eCredable is a credit reporting agency but they do things a little different than the big three (Experian, Trans-Union, and Equifax). eCredable looks at more than just your debt payments and history. They actually consider your utility bills, rent, and any other payments you've made over time. How cool is that? . Sponsor: MozyPro Online Backup: Simple, Automatic & Secure Backup http://mozy.com/pro Don't forget: Living In Financial Excellence airs LIVE every Tuesday at 10 a.m. CST. You can watch live and join the chat at financialexcellence.net/live-show Show notes: This episode is sponsored by Mozy Pro for Business: The fast, simple way to back up your business so you don't have to worry when your hard drive crashes. Save 15% by using the code podcast15 when you sign up through the link above. Many people we work with are trying to eliminate their debt but they may want to buy a house someday. If they need a mortgage, they need a good credit score. Unfortunately the FICO score relies on them staying in debt so they can have a good credit history. eCredable takes into consideration all your payments. This includes rent, utilities, current mortgage payments, alimony, child support, or any other regular payment that has a paper trail and can be verified. eCredable has been working with Churchill Mortgage and is endorsed by Dave Ramsey, so it's not just me who thinks this is a good idea :) eCredable is a great option for young people who are just getting started, for immigrants who have no credit history in the US, and for folks whose credit was damaged for one reason or another. This is a fantastic way to prove your creditworthiness to lenders without going back into debt. If a lender is considering credit history information when deciding to give you a loan, they are required by law to consider alternative sources of credit history. You can give them a shoebox full of receipts or you can give them your eCredable AMP rating. AMP stands for All My Payments and gives you a score from A to F, which seems to be a lot easier to understand than some three digit number… There's never been a better time to buy a house. If you're on the fence because you don't think your credit is good enough, you definitely should check out eCredable. Their website is eCredable.com. You can follow Steve_Ely on twitter or follow @tweetecredable if you want to keep up with the company. I think you should. ;o) You can influence what we talk about in future shows. Simply fill out this three-minute survey. Like what you hear? Visit the iTunes store and leave a review or leave a comment below. Or call our listener feedback line and leave a voice message that we can share on the air. As always, we appreciate your feedback! The post 097 Financial Excellence: eCredable Should Replace the FICO Score appeared first on Financial Excellence.
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