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329: Use Your HSA Like an IRA
Learn how to use your health savings account (HSA) like an IRA.
Hit the subscribe button!
Here is the article.
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.
Action Steps:
Write about your thoughts in your wealth journal: Wealth Mini-Course & Journal by Linda P. Jones
Sponsor: Audible – Get your first audiobook for FREE today. Over 150,000 titles to choose from for your iPhone, Android, Kindle or mp3 player. This is the way I “read” more books and stay ahead of the curve. Visit Audible and get your first audiobook free!
Financial freedom can be yours…
Click for instant access >>
from Be Wealthy & Smart – Linda P. Jones http://www.lindapjones.com/use-your-hsa-like-an-ira/
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314: My #1 Hack to Save 20% to 30% at Your Favorite Restaurants
Learn a hack to save 20% to 30% at some of your favorite restaurants.
New listeners hit SUBSCRIBE!
I have a great money saving idea for you today.
Many people want to eat out, but it’s a huge money drain, right? Is there a way to get a deal on fine dining? How about chain restaurants?
Normally, I’d be discouraging you from eating out too much because it can be a real drain on your bank account.
Remember the podcast I did about the couple who lived in NYC and each made $100k but couldn’t afford to buy a home? It turned out they spent too much money on eating out every night.
Everyone needs a date night or a break from cooking at home, but is it possible to get a deal? YES! I’m going to show you how.
Let me ask you a question.
If you gave me $80 and I gave you $100 back, how often would you do it?
Literally, you give me $80, I give you $100…or what if you give me $70 and I give you $100?
Now think about some of your favorite fine dining restaurants – Roy’s, Flemings, Maggiano’s, McCormick & Schmick’s, plus chains like Outback Steakhouse, Chili’s, Macaroni Grill, Baja Fresh, PF Chang’s, Rockbottom Brewery, and many others!
Gift cards are something, if you’re like me, you just walk by in the store because you
might think it’s give a dollar get a dollar.
It’s not!
It’s pay a dollar get $1.20 or $1.30!
Let me explain and I’ll come back to this.
A gift card is a piece of plastic that has a dollar value to it. Like a pre-paid debit card.
You can use them for only the store that is on the card.
Retailers know that gift cards often aren’t used. The statistics are astounding. Fully 6 to 10% of gift cards are never redeemed!
Retailers have a huge incentive to sell them because it’s free money they get that adds to their bottom line! No products or services are delivered, it’s like a free donation of money if a card is not redeemed!
From their perspective, they want to issue them all day long and even incent people to buy them!
So they give people a healthy 20 to 30% discount to buy them.
That’s where YOU and I benefit!
Because we are going to take advantage of the discount and USE the card!
When you see the gift cards, realize you are paying $80 and getting $100 of value.
That means you take the cards you paid $80 for, but when you are in the restaurant, you get $100 of value!
It’s not a coupon. It’s not a discount in the restaurant. The discount occurs when you buy the card at Costco or Walmart or the grocery store. When you go to the restaurant, it’s full value. They give you $100 of food and drink, just like if you paid $100 for the card, except you didn’t! You only paid $80!
I love going to Roy’s restaurant. It’s a high-end, seafood and Asian cuisine restaurant.
They self-describe as “Roy’s Pacific Rim features upscale Hawaiian-influenced cuisine including the finest seafood, steaks and sushi. The chain was founded by James Beard Foundation Award Winner Roy Yamaguchi in 1988 in Honolulu, Hawaii.”
There’s one near me in the Palm Springs area of Rancho Mirage, one in Newport Beach where I was this summer, one in San Diego, etc.
Recently I was explaining gift cards to a friend, who I don’t think understood it. He thought it was a coupon and turned his nose up. It’s not a coupon! You’re not taking away from your favorite waiter. They won’t see the discount you get! It’s invisible to the restaurant!
It’s between you and the store you bought the card at.
It’s free money to the tune of 20 to 30%!
Is there a downside to buying a gift card?
Well, I guess if you lose the card or forget to use it within 5 years, you will waste the money.
Regulation passed in 2010 mandates that cards are valid for at least five years after issuance.
So…you have 5 years to spend it before it becomes worthless.
Even though eating out is one of my “5 sinkholes” for money, everyone needs a break sometimes. This is a way to stretch your restaurant dollars 20 to 30%!
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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 @ [email protected] and let me know you did this!
(If you’re not on FB, TW or IG, that’s ok, just send me an email @[email protected] and let me know you left a review).
If you’ve already done all 4 above, great! Thank you! No need to do them again! Just email me @ [email protected] and let me know.
All names will be dropped in a hat and a drawing will be done in early October for winners!
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.
Action Steps:
Write about your thoughts in your wealth journal: Wealth Mini-Course & Journal by Linda P. Jones
Sponsor: Audible – Get your first audiobook for FREE today. Over 150,000 titles to choose from for your iPhone, Android, Kindle or mp3 player. This is the way I “read” more books and stay ahead of the curve. Visit Audible and get your first audiobook free!
Financial freedom can be yours…
Click for instant access >>
from Be Wealthy & Smart – Linda P. Jones http://www.lindapjones.com/my-1-hack-to-save-20-to-30-at-your-favorite-restaurants/
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313: A Simple Way to Overcome Limiting Beliefs About Money
Learn a simple way to overcome limiting beliefs about money.
New listeners hit SUBSCRIBE!
One of the ways we get limiting beliefs is through good intentions. I mean our well-intentioned parents are trying to communicate with their children about money. Sometimes they forget that the perspective they are giving us is not going to serve us long-term.
I remember when I was invited to go on a swim team trip to Florida for 3 days. It involved a flight from Seattle, 2 nights hotel and money for meals, transfers and miscellaneous things. My mom wouldn’t let me go because she thought it was too expensive for a short trip. I was devastated because everyone else was going. It was embarrassing, heart breaking and it was hard to understand. At 16, it’s hard to understand the decisions parents make sometimes. As an adult, now I totally understand, but at the time all I knew was the rest of the team was going and I wasn’t.
Today we’re going to explore things our parents said to us because these things have a way of getting into our subconscious and creating block and limiting beliefs.
Write down some of your beliefs and possible blocks to money (hint: they may be subconscious) and think about phrases your parents said to you regarding money. Can you think of some? Did you ever hear:
A. We can’t afford it
B. Money doesn’t grow on trees
C. I’m not made of money
D. We’re not rich
…Which one did you hear or add another negative money phrase.
Make sure you are writing down your progress toward building wealth in your Wealth Journal.
This is an example of a post on Instagram @BeWealthyandSmart. Follow me!
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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 @ [email protected] and let me know you did this!
(If you’re not on FB, TW or IG, that’s ok, just send me an email @[email protected] and let me know you left a review).
If you’ve already done all 4 above, great! Thank you! No need to do them again! Just email me @ [email protected] and let me know.
All names will be dropped in a hat and a drawing will be done in early October for winners!
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.
Action Steps:
Write about your thoughts in your wealth journal: Wealth Mini-Course & Journal by Linda P. Jones
Sponsor: Audible – Get your first audiobook for FREE today. Over 150,000 titles to choose from for your iPhone, Android, Kindle or mp3 player. This is the way I “read” more books and stay ahead of the curve. Visit Audible and get your first audiobook free!
Financial freedom can be yours…
Click for instant access >>
from Be Wealthy & Smart – Linda P. Jones http://www.lindapjones.com/a-simple-way-to-overcome-limiting-beliefs-about-money/
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309: 9 Things You Should Be Saving For But Probably Aren’t
Learn common things you should be saving for.
Here’s the article: https://www.usatoday.com/story/money/personalfinance/2017/08/26/6-things-you-should-be-saving-for-but-arent/104677444/
Add to that list:
7) Save for children’s education.
If you plan to have children, you should start saving for college the day they are born. You have 18 years to compound the money and it’s much easier to save gradually than to try to come up with the money when the kids go to school. Plan for approximately $240,000 per child which is $13,333 per year, about $1,111 per month. If that’s too much, then start with $200 per month and add any raises to the amount.
8) Save for a wedding.
If you have a daughter, you may be footing the entire bill of $50,000+. That’s $200 per month or $2400 per year for 21 years. If they marry later, great! You may get away with just covering the groom’s side like the rehearsal dinner, a tuxedo and you and your husband’s outfits, but likely more than that. Any extra can be redirected to your retirement fund!
9) Save for vacation.
Why not plan to save for your vacation rather than putting it on credit cards, going into debt and then having to pay high interest on it? A vacation savings account makes a lot more sense to me than a veterinarian account!
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 @ [email protected] and let me know you did this!
(If you’re not on FB, TW or IG, that’s ok, just send me an email @[email protected] and let me know you left a review).
If you’ve already done all 4 above, great! Thank you! No need to do them again! Just email me @ [email protected] and let me know.
All names will be dropped in a hat and a drawing will be done in early October for winners!
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.
Action Steps:
Write about your thoughts in your wealth journal: Wealth Mini-Course & Journal by Linda P. Jones
Sponsor: Audible – Get your first audiobook for FREE today. Over 150,000 titles to choose from for your iPhone, Android, Kindle or mp3 player. This is the way I “read” more books and stay ahead of the curve. Visit Audible and get your first audiobook free!
Financial freedom can be yours…
Click for instant access >>
from Be Wealthy & Smart – Linda P. Jones http://www.lindapjones.com/9-things-you-should-be-saving-for-but-probably-arent/
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306: Avoid 3 Common Home Remodeling Mistakes That Reduce Value
Learn 3 common home remodeling mistakes that reduce a home’s value.
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.
Watching TV remodeling and house hunting shows.
People were making suggestions for remodels that would decrease value of the home!
Comps are what guide and somewhat limit the value of the home.
Based on number of baths and bedrooms and square feet and garage. Can also include a view.
The basic NO-NO’s:
*Reducing a bedroom to turn it into a closet
Wife wanted to turn a bedroom into a closet. Go from a 3 bedroom to a 2 bedroom house. That would reduce value dramatically because less demand and fewer shoppers for a 2 bedroom!
*Reducing a bathroom by combining 2 into 1 or going from full to 3/4.
Two bathrooms were side by side in a poor layout. Lady wanted to join them into one large one in a 3 bedroom home. Not a good idea to only have one bathroom! People will pay more for 2 bathrooms!
*Spending a fortune on a backyard pool, hot tub, outdoor kitchen & fire pit (not going to get back your investment).
You don’t get back your investment dollar for dollar on pool, spa, landscaping, outdoor kitchen, etc.
If you’re going to spend money remodeling, don’t spend money that will reduce the value of your home! Do things that will increase value.
Most money is made by renovating kitchens and baths and adding or expanding closets. That’s where you want to put your money.
******************************************************
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 @ [email protected] and let me know you did this!
(If you’re not on FB, TW or IG, that’s ok, just send me an email @[email protected] and let me know you left a review).
If you’ve already done all 4 above, great! Thank you! No need to do them again! Just email me @ [email protected] and let me know.
All names will be dropped in a hat and a drawing will be done in early October for winners!
Action Steps:
Write about your thoughts in your wealth journal: Wealth Mini-Course & Journal by Linda P. Jones
Sponsor: Audible – Get your first audiobook for FREE today. Over 150,000 titles to choose from for your iPhone, Android, Kindle or mp3 player. This is the way I “read” more books and stay ahead of the curve. Visit Audible and get your first audiobook free!
Financial freedom can be yours…
Click for instant access >>
from Be Wealthy & Smart – Linda P. Jones http://www.lindapjones.com/avoid-3-common-home-remodeling-mistakes-that-reduce-value/
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305: Best and Worst Places to Retire in 2017
Learn the top 10 best and worst cities to retire in.
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.
Here is the article: https://www.cnbc.com/2017/08/15/here-are-the-best-and-worst-places-to-retire.html
Here is the full research from WalletHub: https://wallethub.com/edu/best-places-to-retire/6165/
******************************************
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 @ [email protected] and let me know you did this!
(If you’re not on FB, TW or IG, that’s ok, just send me an email @[email protected] and let me know you left a review).
If you’ve already done all 4 above, great! Thank you! No need to do them again! Just email me @ [email protected] and let me know.
All names will be dropped in a hat and a drawing will be done in early October for winners!
Action Steps:
Write about your thoughts in your wealth journal: Wealth Mini-Course & Journal by Linda P. Jones
Sponsor: Audible – Get your first audiobook for FREE today. Over 150,000 titles to choose from for your iPhone, Android, Kindle or mp3 player. This is the way I “read” more books and stay ahead of the curve. Visit Audible and get your first audiobook free!
Financial freedom can be yours…
Click for instant access >>
from Be Wealthy & Smart – Linda P. Jones http://www.lindapjones.com/best-and-worst-places-to-retire-in-2017/
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304: Listener Q: How Do I Find ETF’s and Decide What to Invest In?
Learn how to find ETFs and decide what to invest in.
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.
Here is our listener question for today:
Hi Linda!
I have been listening to your podcasts for the past 12 months and love them! I can’t get enough of them.
I have been investing as a hobby for the past 6 months and trying to learn as much as I can. I have heard you and several other people talk about ETF’s and how useful they are. Unfortunately I don’t know how to look up the ETF’s I would like to invest in.
Can you do a podcast that answers the following questions:
1) How to find specific ETF’s.
2) how to determine if they are the right one to invest in.
3) What are some of the key indicators I should look for?
4) Can I find ETF’s based on performance of single stocks?
I look forward to hearing your insights on the topic! Thank you for all your hard work and desire to help lift us to new financial heights!
Regards,
Ryan
Thank you, Ryan! I appreciate you being a loyal listener! That means a lot to me and I love that you love the show!
What is an ETF?
Exchange traded funds are passive investments. They are a static portfolio that allows you to buy a basket of securities in an index or a sector. They provide diversification and low turnover and low fees. Since active management has had a difficult time outperforming indexes, investors have somewhat given up paying extra fees to managers who don’t beat the indexes, so they are buying the indexes themselves. If you have a manager who consistently outperforms an index, and you net more after fees than an index, that would be a preferable investment. Today it’s hard to find!
How to find specific ETFs?
Many investors who are looking for passive investments try to minimize fees. It makes sense, if you’re investing in the S & P 500, they are the same 500 companies whether you buy it from company A or B, so you may as well purchase the one with the lower fees so you net more in your pocket. Many investors have flocked to Vanguard because they have a reputation of having the lowest fees. While fees are not everything, in the case of passive investing because portfolios are identical, it makes sense to buy the lowest fees. That would not be true in an actively managed portfolio however.
How to determine if the ETF is the right one?
You always want to pay attention to asset allocation. In equities, you want large, mid and small caps plus international (outside of the US). You can also have some sector funds like REITs or precious metals or short-term bonds in 3 to 5% weightings.
Can I find ETFs based on performance of single stocks?
Yes, but I don’t recommend it. Typically, fund managers prevent any one position from growing beyond 5 percent of assets in order to manage their risk.
Sector ETFs are more likely than actively-managed funds to have large positions in individual companies, mainly because they track market-weighted indexes that themselves are often over-weighted with a few popular companies.
For example, the $12.9-billion Consumer Discretionary Select SPDR ETF, has 15.1% of its assets in Amazon, while the iShares MSCI South Korea Capped ETF with $3.8B holds 22.9% of its assets in Samsung.
I don’t recommend investing in sector funds in order to invest in a particular stock. To me, that just shows that there is a need to rebalance a portfolio to bring it back into a regular proportional investment of 3 to 5%.
If a stock is overweight in an ETF, it means it has already appreciated quite a bit and it may be a sign this isn’t the time to invest in it. When shares grow into a larger allotment than 5%, managers are often paring back, not looking to buy more. You should think like the professionals.
Having said that, I also believe that you want to let your winners run and to sell your losers, so I would say if you want to own a stock, buy the stock. Don’t buy a sector fund to own 1 stock.
***********************************************************************
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 @ [email protected] and let me know you did this!
(If you’re not on FB, TW or IG, that’s ok, just send me an email @[email protected] and let me know you left a review).
If you’ve already done all 4 above, great! Thank you! No need to do them again! Just email me @ [email protected] and let me know.
All names will be dropped in a hat and a drawing will be done in early October for winners!
Action Steps:
Write about your thoughts in your wealth journal: Wealth Mini-Course & Journal by Linda P. Jones
Sponsor: Audible – Get your first audiobook for FREE today. Over 150,000 titles to choose from for your iPhone, Android, Kindle or mp3 player. This is the way I “read” more books and stay ahead of the curve. Visit Audible and get your first audiobook free!
Financial freedom can be yours…
Click for instant access >>
from Be Wealthy & Smart – Linda P. Jones http://www.lindapjones.com/listener-q-how-do-i-find-etfs-and-decide-what-to-invest-in/
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303: How the Super-Rich Keep Their Wealth
Learn what assets the uber wealthy have their money invested in.
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.
Here is the article:
http://www.washingtonexaminer.com/how-the-super-rich-keep-their-wealth/article/2631087
************************************************
I’m having a summer giveaway through the end of September…you could win:
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 @ [email protected] and let me know you did this!
(If you’re not on FB, TW or IG, that’s ok, just send me an email @[email protected] and let me know you left a review).
If you’ve already done all 4 above, great! Thank you! No need to do them again! Just email me @ [email protected] and let me know.
All names will be dropped in a hat and a drawing will be done in early October for winners!
Action Steps:
Write about your thoughts in your wealth journal: Wealth Mini-Course & Journal by Linda P. Jones
Sponsor: Audible – Get your first audiobook for FREE today. Over 150,000 titles to choose from for your iPhone, Android, Kindle or mp3 player. This is the way I “read” more books and stay ahead of the curve. Visit Audible and get your first audiobook free!
Financial freedom can be yours…
Click for instant access >>
from Be Wealthy & Smart – Linda P. Jones http://www.lindapjones.com/how-the-super-rich-keep-their-wealth/
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302: Why 7 Billionaires Are Worried About a Stock Market Correction
Learn why 7 billionaires are worried about a stock market correction.
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 I appreciate your support of the podcast! That’s audibletrial.com/bewealthyandsmart.
Here is the article for today’s show:
http://www.marketwatch.com/story/these-7-billionaires-are-worried-about-a-stock-market-correction-2017-08-09
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 @ [email protected] and let me know you did this!
(If you’re not on FB, TW or IG, that’s ok, just send me an email @[email protected] and let me know you left a review).
If you’ve already done all 4 above, great! Thank you! No need to do them again! Just email me @ [email protected] and let me know.
All names will be dropped in a hat and a drawing will be done in early October for winners!
Action Steps:
Write about your thoughts in your wealth journal: Wealth Mini-Course & Journal by Linda P. Jones
Sponsor: Audible – Get your first audiobook for FREE today. Over 150,000 titles to choose from for your iPhone, Android, Kindle or mp3 player. This is the way I “read” more books and stay ahead of the curve. Visit Audible and get your first audiobook free!
Financial freedom can be yours…
Click for instant access >>
from Be Wealthy & Smart – Linda P. Jones http://www.lindapjones.com/why-7-billionaires-are-worried-about-a-stock-market-correction/
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301: The Difference Between Being Frugal and Smart Spending
Learn why frugality is not the way to wealth.
Sometimes I grow weary from hearing people advise others to be frugal in order to build wealth.
Frugality is not spending money. Definition is skimping, sparing, and meager. To me what frugality is is spending less or nothing. If all you do is spend less and less, pretty soon you’re living in the woods!
I’m all for careful spending, but I realized there’s a difference between “not spending” and “making dollars go farther.”
To me, I’ve always been about getting more for a dollar, rather than not spending a dollar.
That’s a huge difference!
Make your dollars last longer. Buy at the right price…on sale, at a discount, a deal, wholesale, etc. Buy it at the right price. It’s not about doing without or living in a shed.
I don’t think that’s living life! That’s giving money too much power and creating misery in your life. I’d rather see you choose a few things you want and find a way to get them at a discount.
I play a game with myself to figure out how to get anything at a discount. Sometimes if it never goes on sale, it might be saving tax (about 10%) by buying it online.
You want to stay away from spending a lot on furniture, cars, vehicles, figurines, decorations, etc.
I have a friend who keeps buying furniture and remodeling, then complains there is no money! It’s a downward spiral!
There’s a big difference between not spending (being a miser = bad) and spending wisely = smart shopping.
I’m a stickler for quality though. I don’t buy cheap things that won’t last. I buy quality at a discount.
I don’t want bad diamonds full of inclusions and that are supposed to be white or colorless and are yellow! I want great quality diamonds at a discount! Get it?
Do you really need a new paddle board or could you find one gently used? Do you need a $5,000 Italian bicycle or can you get a used one? Do you need a new couch? Could you find one gently used?
These large purchases harm you a lot more than a latte! Do you need to own a boat? Can you rent one?
These are big purchases and price tags that will kill your retirement. Soooo, make your dollars go farther! Have what you want and buy it at the right price!
****************************
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 & Mini-Course (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 @ [email protected] and let me know you did this!
(If you’re not on FB, TW or IG, that’s ok, just send me an email @[email protected] and let me know you left a review).
If you’ve already done all 4 above, great! Thank you! No need to do them again! Just email me @ [email protected] and let me know.
All names will be dropped in a hat and a drawing will be done in early October for winners!
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 I appreciate your support of the podcast! That’s audibletrial.com/bewealthyandsmart.
Financial freedom can be yours…
Click for instant access >>
from Be Wealthy & Smart – Linda P. Jones http://www.lindapjones.com/the-difference-between-being-frugal-and-smart-spending/
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Text
300 Episodes, 900k downloads & Your Financial Freedom!
Learn why financial freedom really IS possible for you to achieve!
Sponsor: Audible – Get your first audiobook for FREE today. Over 150,000 titles to choose from for your iPhone, Android, Kindle or mp3 player. This is the way I “read” more books and stay ahead of the curve.
Visit http://www.Audibletrial.com/bewealthyandsmart and get your first audiobook free!
**************************************
Have you heard?
I’m having a summer giveaway through the end of September…you could win:
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 @ [email protected] and let me know you did this!
(If you’re not on FB, TW or IG, that’s ok, just send me an email @[email protected] and let me know you left a review).
If you’ve already done all 4 above, great! Thank you! No need to do them again! Just email me @ [email protected] and let me know.
All names will be dropped in a hat and a drawing will be done in early October for winners!
Move your net worth in the right direction by getting “11 Quick Financial Tips to Boost Your Wealth” at http://www.lindapjones.com.
Action Steps:
Write about your thoughts in your wealth journal: Wealth Mini-Course & Journal by Linda P. Jones
Sponsor: Audible – Get your first audiobook for FREE today. Over 150,000 titles to choose from for your iPhone, Android, Kindle or mp3 player. This is the way I “read” more books and stay ahead of the curve. Visit Audible and get your first audiobook free!
Financial freedom can be yours…
Click for instant access >>
from Be Wealthy & Smart – Linda P. Jones http://www.lindapjones.com/300-episodes-900k-downloads-your-financial-freedom/
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