Your Credit Today

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

[email protected]

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

[email protected]

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
• 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:

AngelaBessard.com

[email protected]

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:

AngelaBessard.com

[email protected]

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:

Pointspartner.com

Fly Free Academy

Instagram TikTok @thepointspartner

[email protected]

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:

[email protected]

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:

[email protected]

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:

[email protected]

Damon Wayans

Devon Franklin