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Learn why it's the big mistakes that keep you from financial success, not the small ones. Here's another article about giving up coffee or cigarettes and how it will make you rich. Article from Business Tech: "Why your daily coffee is stopping you from becoming a millionaire." There are sayings like, "Watch your pennies and the dollars will take care of themselves." "A penny saved is a penny earned." Just give up lattes and invest that money instead…and eventually you'll become a millionaire. "The Latte Factor" was invented by author David Bach, whom I really respect. I believe it was a demonstration of compounding more than selling the idea of skipping coffee. Over a long enough time, compounding even a small amount will grow into millions. What the purchasing power will be is another question. I disagree with this frugal focus. It's not the small stuff that gets ya, it's the BIG mistakes. Moving costs/interest/commissions/remodeling costs from moving often will cost you a lot more than a few dollars. Buying

Learn how one couple retired early and travels the world. It's an episode of the Money Tree Investing podcast (the other podcast I'm on). I hope you enjoy it! Hit the subscribe button for instant notice of new podcasts! Move your net worth in the right direction by getting "11 Quick Financial Tips to Boost Your Wealth" at http://www.lindapjones.com.

Learn how to avoid common financial scams. Recently I got an email offer to buy a domaine name for $55,000. It was from a Japanese business who said they had a healthy budget to spend and what price did I want? A second email specified how the transaction would take place and mentioned a German escrow account. They mentioned a 5% commission paid for by both parties. They wanted me to pay to them (5% of $55k = $2,750). I don't think so! What a scam. I also heard a scam involving German escrow accounts was going around. There are more scams happening that I want to warn you about. There's a common one with real estate. I have an article to share with you about it. The article is here: https://www.cnbc.com/2017/10/19/scammers-are-conning-home-buyers-out-of-their-down-payment.html Hit the subscribe button for instant notice of new podcasts! Move your net worth in the right direction by getting "11 Quick Financial Tips to Boost Your Wealth" at http://www.lindapjones.com.  

Learn how to think through whether or not to finance a home. A friend called me. Should I finance the home or pay cash? What is the fixed rate? 3.5% 1. Still very low rates. 2. It is tax deductible if you itemize. Will it still be under tax reform? 3. If rates go to 6%, will you kick yourself? 4. You can earn a dividend on a stock that yields 3.5% and earn enough to pay it. 5. Cautious of risk? Think we could be at the peak of a bubble? Then don't borrow 80%, maybe only borrow 60%. Put down more and borrow less. That way if prices drop you hopefully won't be under water.   Hit the subscribe button for instant notice of new podcasts!  

Learn what habits are supposed to make you a millionaire and which ones really will. Recently I came across an article on habits to become a millionaire. The only problem was, it was so ridiculous it made me laugh! Here are some of the points they said could make you a millionaire: If you make your bed, you're 206% more likely to become a millionaire. Seriously. Make your bed? Hmmm. What else did it say? Well, it didn't recommend any specific financial things to do, but a list of seemingly random things like: *Smile at your neighbors *Wake up early *Read books (but not necessarily financial ones) *Make a to-do list *Work hard *Don't gossip *Talk less *Listen more Seriously! This was the list! This is supposed to be great information to help you become a millionaire?  I don't think so. Financial information should help you get ahead, be specific and actionable.  Financial literacy is lacking, this is a good example why. Becoming a millionaire isn't random acts, it's specific steps. That's why I coined the "6

Learn 10 things you can do that will give you a positive money relationship with your partner. Hit the subscribe button! The article is here: http://www.news.com.au/finance/david-and-libby-koch/kochie-outlines-the-cornerstones-of-a-happy-financial-relationship/news-story/b37e79b9f8c5c04f1edad73af48105b7 This episode is sponsored by Audible. It's the way I "read" more books and stay ahead of the curve. Audible is, of course, the easiest way to read books because all you have to do is just listen - like you are right now! There are over 150,000 titles to choose from for your iPhone, Android, Kindle or mp3 player and…your first audiobook is FREE! Just visit http://www.audibletrial.com/BeWealthyandSmart That's audibletrial.com/bewealthyandsmart   Move your net worth in the right direction by getting "11 Quick Financial Tips to Boost Your Wealth" at http://www.lindapjones.com.

Learn 10 things you can do now that will give you a head start financially in 2018. Hit the subscribe button! The article is here: https://www.cnbc.com/2017/10/16/10-financial-steps-to-take-now-for-a-fresh-start-in-2018.html Move your net worth in the right direction by getting "11 Quick Financial Tips to Boost Your Wealth" at http://www.lindapjones.com.   This episode is sponsored by Audible. It's the way I "read" more books and stay ahead of the curve. Audible is, of course, the easiest way to read books because all you have to do is just listen - like you are right now! There are over 150,000 titles to choose from for your iPhone, Android, Kindle or mp3 player and…your first audiobook is FREE! Just visit http://www.audibletrial.com/BeWealthyandSmart That's audibletrial.com/bewealthyandsmart    

Learn the one thing NOT to do after accomplishing a big goal. Hit the subscribe button! Whether on TV or on the internet, there are people knocking the ball out of the park. They are creating new businesses, generating additional revenue streams and having success. If what I said frustrates you, then sit down and have a goal session and re-set your goals. You always want to stay in a positive frame of mind where you are happy to see other peoples' success because it doesn't take anything away from you (there is no scarcity) and it shows you what is possible. So cheer them on! Anyway, after the success, I see the same mistake being made. Can you guess what it is? Can you guess the first financial move they make after making it big? They just sold a business or made a million or had their best year ever. What do they do? Buy a brand spanking new expensive car! Lamborghini, Ferrari, Bentley or top of the line Mercedes, etc. A YouTuber had great success and was under 30 years old…bought a Lambo. It costs over $4

Learn how to use your health savings account (HSA) like an IRA. Hit the subscribe button! Here is the article: https://www.cnbc.com/2017/10/02/hack-your-hsa-its-not-just-for-medical-costs-anymore.html This episode is sponsored by Audible. It's the way I "read" more books and stay ahead of the curve. Audible is, of course, the easiest way to read books because all you have to do is just listen - like you are right now! There are over 150,000 titles to choose from for your iPhone, Android, Kindle or mp3 player and…your first audiobook is FREE! Just visit http://www.audibletrial.com/BeWealthyandSmart That's audibletrial.com/bewealthyandsmart. Move your net worth in the right direction by getting "11 Quick Financial Tips to Boost Your Wealth" at http://www.lindapjones.com.  

Learn how to change your money story with Money Confidence Coach Jen Hemphill. Hear how Jen was able to get a handle on her finances and change her money story. How you can too.   Ready for financial freedom? Get "11 Quick Financial Tips to Boost Your Wealth" at http://lindapjones.com.  

Learn what a positive message feels like and pass it on. I saw a post like this on InstaGram and it made me feel good, so I'm passing along a similar message to you today. It's short and sweet. This is different than usual today. Try it on for size. Here it is. "In case no one told you today: Hello You are wonderful You are beautiful You are amazing You are appreciated You are respected You are loved and I will add… Hang in there You are capable of amazing things Step forward in faith and Follow your dreams and… Henry Ford said, whether you think you can or think you can't, you're right. I like to say, whether you think you can be wealthy or think you can't be wealthy, you're right. You got this! You can do it!" We all need to hear these things. Take them in and pass them along. You can play this over and over if you like! Like Meryl Streep said in The Devil Wears Prada. "That is all."              

Learn 7 investment strategies of centimillionaires. In this episode of Be Wealthy & Smart, I interview Richard C. Wilson from familyoffices.com. Here are the 7 Investment Strategies of Centimillionaires: 1. Own the game 2. Alpha-mail (instead of blackmail) 3. Niche monopoly 4. Work on building a full chess board portfolio 5. Leveraged resource strategy 6. Horse trading 7. Identify choke points Books mentioned: Mastering the Rockefeller Habits Zero to One Scaling Up The Single Family Office

Learn how to invest in a rising interest rate environment. Hit the subscribe button! ***I announced winners of the contest!*** The article is here: http://www.investors.com/etfs-and-funds/etfs/how-to-invest-in-a-rising-rate-environment/ Move your net worth in the right direction by getting "11 Quick Financial Tips to Boost Your Wealth" at http://www.lindapjones.com.    

Learn which large cap growth ETFs have performed the best year-to-date. Hit the subscribe button! The chart is posted on my website at www.lindapjones.com, podcast 324. Move your net worth in the right direction by getting "11 Quick Financial Tips to Boost Your Wealth" at http://www.lindapjones.com.  

Learn what brands are the top 10 in the world and looking at them as a potential investment. Hit the subscribe button! This is from information in an article on Business Insider written by Ben Lovejoy. The full article is here:  https://9to5mac.com/2017/09/27/worlds-most-valuable-brand-interbrand/ A company called Interbrand writes an annual report of the world's most valuable brands. "Interbrand assesses the all-in value of a brand by analyzing three factors … • The financial performance of the branded products and services • The role the brand plays in influencing customer choice • The strength the brand has to command a premium price or secure earnings for the company" Apple is #1 again. "It this year estimated that the value of the Apple brand had increased by 3%, relatively modest compared to the five fastest-growing brands. The five Top Growing Brands include Facebook (48 percent growth) who leads for the second year running, Amazon (29 percent), Adobe (19 percent), Adidas (17 percent), and Starbucks

Learn why active management is outperforming index funds this year and what to do about it. Hit the subscribe button!   The article is posted here: https://www.cnbc.com/2017/09/18/the-tide-has-turned-active-outpacing-passive-investing.html ********************************* I'm having a summer giveaway through the end of September...you could win 6 awesome prizes: 5 of The Wealthy Mindset Blueprint (audio course): Learn how millionaires think the right thoughts for wealth before it happens (value $197)                               OR 1 Wealth Journal (book): Learn the 6 Steps to Wealth (value $67) Here's what you need to do: 1. Leave the "Be Wealthy & Smart" podcast a review on iTunes (or Stitcher Radio for Android). 2. "Like" my Facebook Fan page at http://facebook.com/lindapjonesfanpage (if you're on FB, if not, that's ok). 3. "Follow" me on Twitter at http://twitter.com/lindapjones 4. "Follow" me on Instagram @LindaPJones 5. Send me an email @ lpjhome@gmail.com and let me know you did this! (If you're

Interview with MyFICO.com expert Ethan Dornhelm about what makes up a FICO score and common myths. Hit the subscribe button to get the latest podcasts asap! I'm having a summer giveaway through the end of September...you could win 6 awesome prizes: 5 of The Wealthy Mindset Blueprint (audio course): Learn how millionaires think the right thoughts for wealth before it happens (value $197)                               OR 1 Wealth Journal (book): Learn the 6 Steps to Wealth (value $67) Here's what you need to do: 1. Leave the "Be Wealthy & Smart" podcast a review on iTunes (or Stitcher Radio for Android). 2. "Like" my Facebook Fan page at http://facebook.com/lindapjonesfanpage (if you're on FB, if not, that's ok). 3. "Follow" me on Twitter at http://twitter.com/lindapjones 4. "Follow" me on Instagram @LindaPJones 5. Send me an email @ lpjhome@gmail.com and let me know you did this! (If you're not on FB, TW or IG, that's ok, just send me an email @lpjhome@gmail.com and let me know you left a review). If you

Learn the 3 basic things to do and why managing money is not as hard as we are making it to be! Hit the subscribe button! There's so many tools for financial help, it has gotten too complicated! You don't need all the apps, websites, products, accounts, credit cards, etc. for sale online. I'm getting questions about things that show me the big picture is being missed. How many buckets do I need? What should I put where? How much here? Keep it simple and basic!  I did 3 things well: paid my bills on time, saved and invested. Save 20% if you can, or at least 10%. Pay yourself first. Like it's a bill. Pay your bills and pay them on time! If you can't, go on a cash basis. Either it was in my savings account like when I saved for a down payment to buy my first home, emergency fund, etc. The rest went into the market. The idea is to save as much as you can and move over into investments to build wealth. The investment can be a home, stock account, mutual fund, etc. At 2%, your money won't double for 36 years! We g

Learn the 2 types of millionaires and which one I agree with the most! Hit the subscribe button! Today we are reviewing a study about rich people and their 2 habits that help them build wealth. Here is the article: http://www.businessinsider.com/self-made-millionaires-habits-build-wealth-2017-9/#1-they-establish-savings-goals-early-in-their-lives-1   ********************************* I'm having a summer giveaway through the end of September...you could win 6 awesome prizes: 5 of The Wealthy Mindset Blueprint (audio course): Learn how millionaires think the right thoughts for wealth before it happens (value $197)                    OR 1 Wealth Journal (book): Learn the 6 Steps to Wealth (value $67) Here's what you need to do: 1. Leave the "Be Wealthy & Smart" podcast a review on iTunes (or Stitcher Radio for Android). 2. "Like" my Facebook Fan page at http://facebook.com/lindapjonesfanpage (if you're on FB, if not, that's ok). 3. "Follow" me on Twitter at http://twitter.com/lindapjones 4. "Follow" me on

Learn how to get your mindset turned around! Hit the subscribe button! Here is today's listener question: Hi Linda, I'm sitting here listening to your podcast. I started from the beginning again and I'm on episode 3 and it's reminding me how much power our thoughts have and what they create. But I'm realizing that right now I'm where I'm at because of my thoughts in the past year. But a good reminder that I need to change my mindset ASAP! I've been trying to listen from the beginning while I'm working in my office. I've been in such a bad place mentally the past 6 or 7 months and have been fighting to change my mindset so I decided to start over with the podcasts since it's been a while since I heard your first ones. I'm trying to listen as much as I can throughout the day. It's frustrating when you know all this AND have lived it and can attest that it works but you're doing the complete opposite of what you know. Thank you for this podcast! xo Sandy (name changed) Thank you for your note! Many people are s