In this video, Dan & Ian discuss what is credit, why you should care about it and how to improve your score. They discuss real-world examples of why your credit score matters and the benefit of receiving preferential interest rates. Also, they teach you how your FICO credit score is calculated and some quick tips to improve your score. Please like & subscribe!

How is my FICO Score Calculated? FICO scores range from 300-850, 
a credit score of 700 or above is generally considered good. 
payment history (35%) 
amounts owed (30%)
length of credit history (15%)
new credit (10%)
credit mix (10%)

Example in Video: The median U.S. existing house price for all home types (single-family, townhomes, condominiums, and co-ops) was $284,600 in May 2020 according to the National Association of REALTORS® (NAR).
Original Mortgage: $285,000 @ 7% over 30 years
Preferential Rate: $285,000 @ 2% over 30 years
Would save $992 per month and $122,304 over the life of the loan, just by increasing your credit score and receiving preferential mortgage rates.

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In this episode, Dan & Ian give a broad strokes overview about the COVID-19 vaccine. They update the audience on the current state of vaccine distribution and the other companies that are throwing their hats in the ring. Dan & Ian outline the distribution goals and who will have access to the vaccine first. Keep on the look-out and your ear to the street for when you will have the vaccine available to you...

2 APPROVED Vaccines: Pfizer Vaccine & Moderna Vaccine
3 Vaccines IN TRIAL: Astrazeneca Vaccine, Janssen Vaccine, Novavax Vaccine

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In this episode the guys talk about organic reach. We talk about what platforms have the greatest reach. Learn what platforms offer the greatest opportunity and which platforms have a pay for play business model. If you enjoy the video please like and subscribe. If you have any questions or thoughts on this topic please leave a comment we really like to engage with our listeners. 

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In this episode, Dan & Ian explain the phenomenon behind cryptocurrency. They break it down into simple terms and make some bold predictions. Although this subject is very complex, the hosts break down what you need to know and the simplest way to rationalize this concept. If you have any questions please drop it in the comments and we will be sure to follow-up.

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In this episode, Dan & Ian discuss the origins of electric vehicles. They evaluate the transformation of renewable energy coupled with legislative changes throughout the years. The hosts illuminate the need for the EV revolution and how gasoline shortages and environmental concerns have intensified.
 Finally, they show the major players in the EV space, Tesla/BYD/BMW/Volkswagen/Nissan. 

Legislative Changes:
1973 Arab Oil Embargo
Electric and Hybrid Vehicle Research, Development, and Demonstration Act of 1976
1990 Clean Air Act Amendment 
1992 Energy Policy Act 

OUR favorite EV stock! Listen to find out!

In this episode, Dan & Ian discuss a new way to pay your tax bill. The IRS has opened the PayNearMe program that allows individuals without a bank account or credit card to pay their taxes in cash. You are allowed to visit any 7-Eleven, Casey's General Store or Ace Cash Express 24/7 to pay your taxes. The individual is allowed to pay $1,000 per day with an additional transaction fee of $3.99. 

By the numbers:
7.1 million people in the US do not have a bank account
137,000,000 adults do not have a credit card
8.7% of households in the US do not have access to a vehicle

As mentioned in the video: AL, AK, HI, MS, MT & WY are not currently participating in this program. 

Visit IRS.gov for more information and to find a PayNearMe participating store near you.

"They aren't here for you, Dan, they are here for inflation." -Ian Beardsley
This episode explores what inflation is, why we care about it, and how to combat this phenomenon. Inflation is generally described as the general increase in price of goods over a period of time. Individuals have to be aware of inflation rates because it will affect everyone, whether you are aware of it or not. Please leave any comments or questions and we will be sure to follow-up in the comments. 
*Disclaimer: This is not investment advice, this video is purely for entertainment purposes only, also we are not affiliated with ally bank or wealthfront*

In this podcast, Dan & Ian dive into the new federal stimulus package and discuss its ramifications for Americans. The guys break down the policy by which groups it aims to protect. If you have any questions please drop them below in the comments. We are here to support you and all the small businesses behind the scenes. The full bill (over 5,600 pages!) is posted on our blog @ troutjames.com

In this interview, Dan & Ian learn about how to become a financial professional. Justin Bartolomucci, CFP, CIMA shares his story. He is a financial advisor for Edward Jones, a financial professional firm that operates with a branch model. Justin owns a branch and is running his own small business. Justin gives career advice, talks professional pivoting and his sport team alliances. Also, he describes the process of becoming a financial advisor and the tremendous opportunity for young business professionals. 

How to get into contact with Justin:
-Google "Justin Bartolomucci" to land on his socials and Edward Jones site
-Justin's LinkedIn: https://www.linkedin.com/in/justinbartolomucci/

This is the #1 thing you should do before investing in the stock market. Reading a 10K is essential to understand a company and how they make money. Also, it is key to understand the differences between annual reports and 10ks. Dan & Ian outline: where to find a 10K, why you should read it, 10K best practices and examples of how to pull relevant information from it. This is a key practice everyone who is investing should become comfortable with.

Where to find 10Ks:
-last10k.com
-"Investor Relations" on company's website