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April 10, 2019
Baby Boomer Retirement Regrets
Learn why Baby Boomers in retirement have huge regrets about not saving for retirement and what they plan to do about it. Get tips how to prepare for retirement, correctly anticipate how much income is needed and avoid retirement regrets. The statistics are disturbing - 47% of Baby Boomers (age 55 - 74) are already in retirement and don't have enough money. Three things are culprits: too little savings, underestimating health care costs and underestimating retirement income. The article is here.  INTERESTED IN LEARNING WHERE AND HOW TO INVEST? This is only for you if you are committed to learning how to invest or how to improve your investing and interested in joining my inner investing circle, the Be Wealthy & Smart VIP Experience. After you complete the application, I will contact you to get on a call or Skype with me. We will discuss your vision for your investments, the next best steps to take and if we agree working with me to support that vision is a good match. International members are welcome. We have members in Canada, Australia, New Zealand, Spain, etc. To apply for a strategy session with Linda, click here. PLEASE SUBSCRIBE AND REVIEW THE SHOW If you enjoyed this episode, please subscribe and leave a review on whatever platform you listen. I love hearing from you! PLEASE COMPLETE THE PODCAST SURVEY In an effort to make the show the best it can be, I need to know who my audience is and what you think. Please take 3 minutes to complete the survey and let me know. WEALTH HEIRESS TV Please subscribe to Wealth Heiress TV YouTube channel (it’s not just for women, it’s for men too!), here. THE WEALTH HEIRESS BOOK ISN'T JUST FOR WOMEN Men love it too! After all, financial advice doesn't have a gender, just the examples do. Get my book, “You’re Already a Wealth Heiress, Now Think and Act Like One: 6 Practical Steps to Make It a Reality Now!” Available on Amazon. International buyers (if you live outside of the US) get my book here. WANT MORE FROM LINDA? Check out her programs. Join her on Instagram. Listen to the full library of podcasts from the beginning. Today’s Sponsor: I want to take a few seconds to tell you about how I “read” more books and stay ahead of the curve. It’s by not reading books, but instead listening to them – like you are right now! With Audible, there are over 150,000 titles to choose from for your iPhone, Android, Kindle or mp3 player and…your first audiobook is FREE! I suggest you get the audio book of Think and Grow Rich, or you can check out my website Resources page where I list all of my favorite financial books and you see exactly what books I have read and recommend you read. Then get started with Audible by visiting https://lindapjones.com/FreeBook and order your first audio book free! Get Think and Grow Rich or another book from my recommend list, and be sure to get started checking off the books you want to read with your free book from Audible! Be Wealthy & Smart,™ is a personal finance show with self-made millionaire Linda P. Jones, America’s Wealth Mentor.™ Learn simple steps that make a big difference to your financial freedom. 
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17 min
April 8, 2019
Why Money in Savings Accounts Won't Build Wealth
Learn why compounding rates at 2% interest is not the key to wealth. No matter how great it sounds to have "over 20 times the national average" in a savings account, we are still talking a meager 2.1% interest. That will take 36 years to double your money. In this episode, I share with you what to focus on that is more important for creating your financial freedom. INTERESTED IN LEARNING WHERE AND HOW TO INVEST? This is only for you if you are committed to learning how to invest or how to improve your investing and interested in joining my inner investing circle, the Be Wealthy & Smart VIP Experience. After you complete the application, I will contact you to get on a call or Skype with me. We will discuss your vision for your investments, the next best steps to take and if we agree working with me to support that vision is a good match. International members are welcome. We have members in Canada, Australia, New Zealand, Spain, etc. To apply for a strategy session with Linda, click here. PLEASE SUBSCRIBE AND REVIEW THE SHOW If you enjoyed this episode, please subscribe and leave a review on whatever platform you listen. I love hearing from you! PLEASE COMPLETE THE PODCAST SURVEY In an effort to make the show the best it can be, I need to know who my audience is and what you think. Please take 3 minutes to complete the survey and let me know. WEALTH HEIRESS TV Please subscribe to Wealth Heiress TV YouTube channel (it’s not just for women, it’s for men too!), here. THE WEALTH HEIRESS BOOK ISN'T JUST FOR WOMEN Men love it too! After all, financial advice doesn't have a gender, just the examples do. Get my book, “You’re Already a Wealth Heiress, Now Think and Act Like One: 6 Practical Steps to Make It a Reality Now!” Available on Amazon. International buyers (if you live outside of the US) get my book here. WANT MORE FROM LINDA? Check out her programs. Join her on Instagram. Listen to the full library of podcasts from the beginning. Today’s Sponsor: I want to take a few seconds to tell you about how I “read” more books and stay ahead of the curve. It’s by not reading books, but instead listening to them – like you are right now! With Audible, there are over 150,000 titles to choose from for your iPhone, Android, Kindle or mp3 player and…your first audiobook is FREE! I suggest you get the audio book of Think and Grow Rich, or you can check out my website Resources page where I list all of my favorite financial books and you see exactly what books I have read and recommend you read. Then get started with Audible by visiting https://lindapjones.com/FreeBook and order your first audio book free! Get Think and Grow Rich or another book from my recommend list, and be sure to get started checking off the books you want to read with your free book from Audible! Be Wealthy & Smart,™ is a personal finance show with self-made millionaire Linda P. Jones, America’s Wealth Mentor.™ Learn simple steps that make a big difference to your financial freedom. 
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8 min
April 5, 2019
5 Millionaire Mindset Habits
Learn 5 habits to develop a millionaire mindset. The article is here. INTERESTED IN LEARNING WHERE AND HOW TO INVEST? This is only for you if you are committed to learning how to invest or how to improve your investing and interested in joining my inner investing circle, the Be Wealthy & Smart VIP Experience. After you complete the application, I will contact you to get on a call or Skype with me. We will discuss your vision for your investments, the next best steps to take and if we agree working with me to support that vision is a good match. International members are welcome. We have members in Canada, Australia, New Zealand, Spain, etc. To apply for a strategy session with Linda, click here. PLEASE SUBSCRIBE AND REVIEW THE SHOW If you enjoyed this episode, please subscribe and leave a review on whatever platform you listen. I love hearing from you! PLEASE COMPLETE THE PODCAST SURVEY In an effort to make the show the best it can be, I need to know who my audience is and what you think. Please take 3 minutes to complete the survey and let me know. WEALTH HEIRESS TV Please subscribe to Wealth Heiress TV YouTube channel (it’s not just for women, it’s for men too!), here. THE WEALTH HEIRESS BOOK ISN'T JUST FOR WOMEN Men love it too! After all, financial advice doesn't have a gender, just the examples do. Get my book, “You’re Already a Wealth Heiress, Now Think and Act Like One: 6 Practical Steps to Make It a Reality Now!” Available on Amazon. International buyers (if you live outside of the US) get my book here. WANT MORE FROM LINDA? Check out her programs. Join her on Instagram. Listen to the full library of podcasts from the beginning. Today’s Sponsor: I want to take a few seconds to tell you about how I “read” more books and stay ahead of the curve. It’s by not reading books, but instead listening to them – like you are right now! With Audible, there are over 150,000 titles to choose from for your iPhone, Android, Kindle or mp3 player and…your first audiobook is FREE! I suggest you get the audio book of Think and Grow Rich, or you can check out my website Resources page where I list all of my favorite financial books and you see exactly what books I have read and recommend you read. Then get started with Audible by visiting https://lindapjones.com/FreeBook and order your first audio book free! Get Think and Grow Rich or another book from my recommend list, and be sure to get started checking off the books you want to read with your free book from Audible! Be Wealthy & Smart,™ is a personal finance show with self-made millionaire Linda P. Jones, America’s Wealth Mentor.™ Learn simple steps that make a big difference to your financial freedom. 
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14 min
April 3, 2019
Tips to Live an Amazing Life
Learn why living an amazing life is the best revenge and it doesn't require spending a lot of money. The article is here. INTERESTED IN LEARNING WHERE AND HOW TO INVEST? This is only for you if you are committed to learning how to invest or how to improve your investing and interested in joining my inner investing circle, the Be Wealthy & Smart VIP Experience. After you complete the application, I will contact you to get on a call or Skype with me. We will discuss your vision for your investments, the next best steps to take and if we agree working with me to support that vision is a good match. International members are welcome. We have members in Canada, Australia, New Zealand, Spain, etc. To apply for a strategy session with Linda, click here. PLEASE SUBSCRIBE AND REVIEW THE SHOW If you enjoyed this episode, please subscribe and leave a review on whatever platform you listen. I love hearing from you! PLEASE COMPLETE THE PODCAST SURVEY In an effort to make the show the best it can be, I need to know who my audience is and what you think. Please take 3 minutes to complete the survey and let me know. WEALTH HEIRESS TV Please subscribe to Wealth Heiress TV YouTube channel (it’s not just for women, it’s for men too!), here. THE WEALTH HEIRESS BOOK ISN'T JUST FOR WOMEN Men love it too! After all, financial advice doesn't have a gender, just the examples do. Get my book, “You’re Already a Wealth Heiress, Now Think and Act Like One: 6 Practical Steps to Make It a Reality Now!” Available on Amazon. International buyers (if you live outside of the US) get my book here. WANT MORE FROM LINDA? Check out her programs. Join her on Instagram. Listen to the full library of podcasts from the beginning. Today’s Sponsor: I want to take a few seconds to tell you about how I “read” more books and stay ahead of the curve. It’s by not reading books, but instead listening to them – like you are right now! With Audible, there are over 150,000 titles to choose from for your iPhone, Android, Kindle or mp3 player and…your first audiobook is FREE! I suggest you get the audio book of Think and Grow Rich, or you can check out my website Resources page where I list all of my favorite financial books and you see exactly what books I have read and recommend you read. Then get started with Audible by visiting https://lindapjones.com/FreeBook and order your first audio book free! Get Think and Grow Rich or another book from my recommend list, and be sure to get started checking off the books you want to read with your free book from Audible! Be Wealthy & Smart,™ is a personal finance show with self-made millionaire Linda P. Jones, America’s Wealth Mentor.™ Learn simple steps that make a big difference to your financial freedom. 
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11 min
April 1, 2019
5 Ways to Deal with IRS Tax Debt
Learn how to pay less money and settle your debts with the IRS quickly. The article is here. The WINNERS of the review contest are announced on this episode! 11 Winners of the Wealthy Mindset Blueprint Audios ($197 value): 1. Shane Morga  2. Gregory 3. Latonia Roach 4. Melissa 5. Brittany Day Harrison 6. Cajaharris 7. Tina Marie 8. Addicted2Stories 9. BDR1611 10. Marie 11. LR 11 Winners of the Wealth Heiress Book are: 1. PrissyShopper 2. Azie25 3. Sabinum 4. Addicted2Stories 5. Marci L. Morgan 6. Jlynn1783 7. Greg Lane 8. XYZMHP 9. $AMO$ 10. Claire C.W. Chang 11. FlyEag1   3 Winners of Wealth Mentoring Sessions with me ($500 value): 1. Rebecca 2. Justin 3. James91710 Congratulations to the winners! Please email me at lpjhome@gmail.com with "winner" in the subject line.   INTERESTED IN LEARNING WHERE AND HOW TO INVEST? This is only for you if you are committed to learning how to invest or how to improve your investing and interested in joining my inner investing circle, the Be Wealthy & Smart VIP Experience. After you complete the application, I will contact you to get on a call or Skype with me. We will discuss your vision for your investments, the next best steps to take and if we agree working with me to support that vision is a good match. International members are welcome. We have members in Canada, Australia, New Zealand, Spain, etc. To apply for a strategy session with Linda, click here. PLEASE SUBSCRIBE AND REVIEW THE SHOW If you enjoyed this episode, please subscribe and leave a review on whatever platform you listen. I love hearing from you! PLEASE COMPLETE THE PODCAST SURVEY In an effort to make the show the best it can be, I need to know who my audience is and what you think. Please take 3 minutes to complete the survey and let me know. WEALTH HEIRESS TV Please subscribe to Wealth Heiress TV YouTube channel (it’s not just for women, it’s for men too!), here. THE WEALTH HEIRESS BOOK ISN'T JUST FOR WOMEN Men love it too! After all, financial advice doesn't have a gender, just the examples do. Get my book, “You’re Already a Wealth Heiress, Now Think and Act Like One: 6 Practical Steps to Make It a Reality Now!” Available on Amazon. International buyers (if you live outside of the US) get my book here. WANT MORE FROM LINDA? Check out her programs. Join her on Instagram. Listen to the full library of podcasts from the beginning. Today’s Sponsor: I want to take a few seconds to tell you about how I “read” more books and stay ahead of the curve. It’s by not reading books, but instead listening to them – like you are right now! With Audible, there are over 150,000 titles to choose from for your iPhone, Android, Kindle or mp3 player and…your first audiobook is FREE! I suggest you get the audio book of Think and Grow Rich, or you can check out my website Resources page where I list all of my favorite financial books and you see exactly what books I have read and recommend you read. Then get started with Audible by visiting https://lindapjones.com/FreeBook and order your first audio book free! Get Think and Grow Rich or another book from my recommend list, and be sure to get started checking off the books you want to read with your free book from Audible! Be Wealthy & Smart,™ is a personal finance show with self-made millionaire Linda P. Jones, America’s Wealth Mentor.™ Learn simple steps that make a big difference to your financial freedom. 
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13 min
March 29, 2019
Where to Retire Rich Without a Lot of Money
Learn 5 cities to retire and live rich without having to be a millionaire. It's never too early to start thinking about where and how you want to live in retirement. This will give you some things to consider and think about.  The article is here.  INTERESTED IN LEARNING WHERE AND HOW TO INVEST? This is only for you if you are committed to learning how to invest or how to improve your investing and interested in joining my inner investing circle, the Be Wealthy & Smart VIP Experience. After you complete the application, I will contact you to get on a call or Skype with me. We will discuss your vision for your investments, the next best steps to take and if we agree working with me to support that vision is a good match. International members are welcome. We have members in Canada, Australia, New Zealand, Spain, etc. To apply for a strategy session with Linda, click here. PLEASE SUBSCRIBE AND REVIEW THE SHOW If you enjoyed this episode, please subscribe and leave a review on whatever platform you listen. I love hearing from you!   PLEASE COMPLETE THE PODCAST SURVEY In an effort to make the show the best it can be, I need to know who my audience is and what you think. Please take 3 minutes to complete the survey and let me know. WEALTH HEIRESS TV Please subscribe to Wealth Heiress TV YouTube channel (it’s not just for women, it’s for men too!), here. THE CONTEST IS BACK ON! You have a great chance to win 25 prizes in March! It’s easy to enter. Just leave a podcast or book review. A podcast review = your name entered in the drawing 5 times. A book review on Amazon purchased on Amazon (says “verified purchase” review), your name entered 7 times. A podcast + book review = your name entered in the drawing 10 times. Prizes are: 11 Sets of Wealthy Mindset Blueprint audios (value $197 ea.) 11 Wealth Heiress books, personalized by Linda. 3 winners will have a 1/2 hour wealth mentoring session with Linda (value $500). Drawing will occur March 31, 2019 and will be announced on the following podcast. Leave a review on Amazon here. Get my book, “You’re Already a Wealth Heiress, Now Think and Act Like One: 6 Practical Steps to Make It a Reality Now!” Available on Amazon. International buyers (if you live outside of the US) get my book here. WANT MORE FROM LINDA? Check out her programs. Join her on Instagram. Listen to the full library of podcasts from the beginning. Today’s Sponsor: I want to take a few seconds to tell you about how I “read” more books and stay ahead of the curve. It’s by not reading books, but instead listening to them – like you are right now! With Audible, there are over 150,000 titles to choose from for your iPhone, Android, Kindle or mp3 player and…your first audiobook is FREE! I suggest you get the audio book of Think and Grow Rich, or you can check out my website Resources page where I list all of my favorite financial books and you see exactly what books I have read and recommend you read. Then get started with Audible by visiting https://lindapjones.com/FreeBook and order your first audio book free! Get Think and Grow Rich or another book from my recommend list, and be sure to get started checking off the books you want to read with your free book from Audible! Be Wealthy & Smart,™ is a personal finance show with self-made millionaire Linda P. Jones, America’s Wealth Mentor.™ Learn simple steps that make a big difference to your financial freedom. 
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12 min
March 27, 2019
When to Sell Your Home For More Money
Learn when to sell your house for more money by month and city. Did you know homes sell for more in April? There's less selling competition.  But depending what city you're in, dates to sell and maximize your sale price will vary. Listen to this podcast and learn all of the nuances so you can make more money. The article is here. INTERESTED IN LEARNING WHERE AND HOW TO INVEST? This is only for you if you are committed to learning how to invest or how to improve your investing and interested in joining my inner investing circle, the Be Wealthy & Smart VIP Experience. After you complete the application, I will contact you to get on a call or Skype with me. We will discuss your vision for your investments, the next best steps to take and if we agree working with me to support that vision is a good match. International members are welcome. We have members in Canada, Australia, New Zealand, Spain, etc. To apply for a strategy session with Linda, click here. PLEASE SUBSCRIBE AND REVIEW THE SHOW If you enjoyed this episode, please subscribe and leave a review on whatever platform you listen. I love hearing from you!   PLEASE COMPLETE THE PODCAST SURVEY In an effort to make the show the best it can be, I need to know who my audience is and what you think. Please take 3 minutes to complete the survey and let me know. WEALTH HEIRESS TV Please subscribe to Wealth Heiress TV YouTube channel (it’s not just for women, it’s for men too!), here. THE CONTEST IS BACK ON! You have a great chance to win 25 prizes in March! It’s easy to enter. Just leave a podcast or book review. A podcast review = your name entered in the drawing 5 times. A book review on Amazon purchased on Amazon (says “verified purchase” review), your name entered 7 times. A podcast + book review = your name entered in the drawing 10 times. Prizes are: 11 Sets of Wealthy Mindset Blueprint audios (value $197 ea.) 11 Wealth Heiress books, personalized by Linda. 3 winners will have a 1/2 hour wealth mentoring session with Linda (value $500). Drawing will occur March 31, 2019 and will be announced on the following podcast. Leave a review on Amazon here. Get my book, “You’re Already a Wealth Heiress, Now Think and Act Like One: 6 Practical Steps to Make It a Reality Now!” Available on Amazon. International buyers (if you live outside of the US) get my book here. WANT MORE FROM LINDA? Check out her programs. Join her on Instagram. Listen to the full library of podcasts from the beginning. Today’s Sponsor: I want to take a few seconds to tell you about how I “read” more books and stay ahead of the curve. It’s by not reading books, but instead listening to them – like you are right now! With Audible, there are over 150,000 titles to choose from for your iPhone, Android, Kindle or mp3 player and…your first audiobook is FREE! I suggest you get the audio book of Think and Grow Rich, or you can check out my website Resources page where I list all of my favorite financial books and you see exactly what books I have read and recommend you read. Then get started with Audible by visiting https://lindapjones.com/FreeBook and order your first audio book free! Get Think and Grow Rich or another book from my recommend list, and be sure to get started checking off the books you want to read with your free book from Audible! Be Wealthy & Smart,™ is a personal finance show with self-made millionaire Linda P. Jones, America’s Wealth Mentor.™ Learn simple steps that make a big difference to your financial freedom. 
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9 min
March 25, 2019
9 Money Mistakes
Learn the 9 money mistakes financial experts claim most people make. Building wealth isn't what many people think it is. While most experts tout saving and scrimping is the path to wealth, I, and other authors, debunk that being frugal alone is how to build wealth. The secret is to follow the 6 Steps to Wealth and to get your money to work harder for you. The article is here. INTERESTED IN LEARNING WHERE AND HOW TO INVEST? This is only for you if you are committed to learning how to invest or how to improve your investing and interested in joining my inner investing circle, the Be Wealthy & Smart VIP Experience. After you complete the application, I will contact you to get on a call or Skype with me. We will discuss your vision for your investments, the next best steps to take and if we agree working with me to support that vision is a good match. International members are welcome. We have members in Canada, Australia, New Zealand, Spain, etc. To apply for a strategy session with Linda, click here. PLEASE SUBSCRIBE AND REVIEW THE SHOW If you enjoyed this episode, please subscribe and leave a review on whatever platform you listen. I love hearing from you!   PLEASE COMPLETE THE PODCAST SURVEY In an effort to make the show the best it can be, I need to know who my audience is and what you think. Please take 3 minutes to complete the survey and let me know. WEALTH HEIRESS TV Please subscribe to Wealth Heiress TV YouTube channel (it’s not just for women, it’s for men too!), here. THE CONTEST IS BACK ON! You have a great chance to win 25 prizes in March! It’s easy to enter. Just leave a podcast or book review. A podcast review = your name entered in the drawing 5 times. A book review on Amazon purchased on Amazon (says “verified purchase” review), your name entered 7 times. A podcast + book review = your name entered in the drawing 10 times. Prizes are: 11 Sets of Wealthy Mindset Blueprint audios (value $197 ea.) 11 Wealth Heiress books, personalized by Linda. 3 winners will have a 1/2 hour wealth mentoring session with Linda (value $500). Drawing will occur March 31, 2019 and will be announced on the following podcast. Leave a review on Amazon here. Get my book, “You’re Already a Wealth Heiress, Now Think and Act Like One: 6 Practical Steps to Make It a Reality Now!” Available on Amazon. International buyers (if you live outside of the US) get my book here. WANT MORE FROM LINDA? Check out her programs. Join her on Instagram. Listen to the full library of podcasts from the beginning. Today’s Sponsor: I want to take a few seconds to tell you about how I “read” more books and stay ahead of the curve. It’s by not reading books, but instead listening to them – like you are right now! With Audible, there are over 150,000 titles to choose from for your iPhone, Android, Kindle or mp3 player and…your first audiobook is FREE! I suggest you get the audio book of Think and Grow Rich, or you can check out my website Resources page where I list all of my favorite financial books and you see exactly what books I have read and recommend you read. Then get started with Audible by visiting https://lindapjones.com/FreeBook and order your first audio book free! Get Think and Grow Rich or another book from my recommend list, and be sure to get started checking off the books you want to read with your free book from Audible! Be Wealthy & Smart,™ is a personal finance show with self-made millionaire Linda P. Jones, America’s Wealth Mentor.™ Learn simple steps that make a big difference to your financial freedom. 
More info...
23 min
March 22, 2019
Real Estate Investments: Hot & Cold Cities for Making Money
Learn where real estate investments are hot and where they are not and why. Some cities have droves of people moving out, others have millions moving in. What is causing the trends? Will they continue? What do you need to avoid in a housing market and what should you look  for? What states are gaining new residents and what is the average cost of housing? The article is here.  INTERESTED IN LEARNING WHERE AND HOW TO INVEST? This is only for you if you are committed to learning how to invest or how to improve your investing and interested in joining my inner investing circle, the Be Wealthy & Smart VIP Experience. After you complete the application, I will contact you to get on a call or Skype with me. We will discuss your vision for your investments, the next best steps to take and if we agree working with me to support that vision is a good match. International members are welcome. We have members in Canada, Australia, New Zealand, Spain, etc. To apply for a strategy session with Linda, click here. PLEASE SUBSCRIBE AND REVIEW THE SHOW If you enjoyed this episode, please subscribe and leave a review on whatever platform you listen. I love hearing from you!   PLEASE COMPLETE THE PODCAST SURVEY In an effort to make the show the best it can be, I need to know who my audience is and what you think. Please take 3 minutes to complete the survey and let me know. WEALTH HEIRESS TV Please subscribe to Wealth Heiress TV YouTube channel (it’s not just for women, it’s for men too!), here. THE CONTEST IS BACK ON! You have a great chance to win 25 prizes in March! It’s easy to enter. Just leave a podcast or book review. A podcast review = your name entered in the drawing 5 times. A book review on Amazon purchased on Amazon (says “verified purchase” review), your name entered 7 times. A podcast + book review = your name entered in the drawing 10 times. Prizes are: 11 Sets of Wealthy Mindset Blueprint audios (value $197 ea.) 11 Wealth Heiress books, personalized by Linda. 3 winners will have a 1/2 hour wealth mentoring session with Linda (value $500). Drawing will occur March 31, 2019 and will be announced on the following podcast. Leave a review on Amazon here. Get my book, “You’re Already a Wealth Heiress, Now Think and Act Like One: 6 Practical Steps to Make It a Reality Now!” Available on Amazon. International buyers (if you live outside of the US) get my book here. WANT MORE FROM LINDA? Check out her programs. Join her on Instagram. Listen to the full library of podcasts from the beginning. Today’s Sponsor: I want to take a few seconds to tell you about how I “read” more books and stay ahead of the curve. It’s by not reading books, but instead listening to them – like you are right now! With Audible, there are over 150,000 titles to choose from for your iPhone, Android, Kindle or mp3 player and…your first audiobook is FREE! I suggest you get the audio book of Think and Grow Rich, or you can check out my website Resources page where I list all of my favorite financial books and you see exactly what books I have read and recommend you read. Then get started with Audible by visiting https://lindapjones.com/FreeBook and order your first audio book free! Get Think and Grow Rich or another book from my recommend list, and be sure to get started checking off the books you want to read with your free book from Audible! Be Wealthy & Smart,™ is a personal finance show with self-made millionaire Linda P. Jones, America’s Wealth Mentor.™ Learn simple steps that make a big difference to your financial freedom. 
More info...
29 min
March 20, 2019
7 Things That Could Trigger an IRS Audit
Learn the 7 things to steer clear of so you aren't audited by the IRS. Some things are obviously too aggressive, but others might surprise you. Either way, let's keep the IRS far away by following these steps. The article is here.  INTERESTED IN LEARNING WHERE AND HOW TO INVEST? This is only for you if you are committed to learning how to invest or how to improve your investing and interested in joining my inner investing circle, the Be Wealthy & Smart VIP Experience. After you complete the application, I will contact you to get on a call or Skype with me. We will discuss your vision for your investments, the next best steps to take and if we agree working with me to support that vision is a good match. International members are welcome. We have members in Canada, Australia, New Zealand, Spain, etc. To apply for a strategy session with Linda, click here. PLEASE SUBSCRIBE AND REVIEW THE SHOW If you enjoyed this episode, please subscribe and leave a review on whatever platform you listen. I love hearing from you!   PLEASE COMPLETE THE PODCAST SURVEY In an effort to make the show the best it can be, I need to know who my audience is and what you think. Please take 3 minutes to complete the survey and let me know. WEALTH HEIRESS TV Please subscribe to Wealth Heiress TV YouTube channel (it’s not just for women, it’s for men too!), here. THE CONTEST IS BACK ON! You have a great chance to win 25 prizes in March! It’s easy to enter. Just leave a podcast or book review. A podcast review = your name entered in the drawing 5 times. A book review on Amazon purchased on Amazon (says “verified purchase” review), your name entered 7 times. A podcast + book review = your name entered in the drawing 10 times. Prizes are: 11 Sets of Wealthy Mindset Blueprint audios (value $197 ea.) 11 Wealth Heiress books, personalized by Linda. 3 winners will have a 1/2 hour wealth mentoring session with Linda (value $500). Drawing will occur March 31, 2019 and will be announced on the following podcast. Leave a review on Amazon here. Get my book, “You’re Already a Wealth Heiress, Now Think and Act Like One: 6 Practical Steps to Make It a Reality Now!” Available on Amazon. International buyers (if you live outside of the US) get my book here. WANT MORE FROM LINDA? Check out her programs. Join her on Instagram. Listen to the full library of podcasts from the beginning. Today’s Sponsor: I want to take a few seconds to tell you about how I “read” more books and stay ahead of the curve. It’s by not reading books, but instead listening to them – like you are right now! With Audible, there are over 150,000 titles to choose from for your iPhone, Android, Kindle or mp3 player and…your first audiobook is FREE! I suggest you get the audio book of Think and Grow Rich, or you can check out my website Resources page where I list all of my favorite financial books and you see exactly what books I have read and recommend you read. Then get started with Audible by visiting https://lindapjones.com/FreeBook and order your first audio book free! Get Think and Grow Rich or another book from my recommend list, and be sure to get started checking off the books you want to read with your free book from Audible! Be Wealthy & Smart,™ is a personal finance show with self-made millionaire Linda P. Jones, America’s Wealth Mentor.™ Learn simple steps that make a big difference to your financial freedom. 
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15 min
March 18, 2019
ENCORE: 10 Financial Moves to Make in 2019
Learn my top 10 money strategies to advance your income and net worth in 2019. In summary, here are my 10 Financial Moves for 2019: 1. Review your asset allocation -Rebalance, diversify, adjust as you age, don't use target date funds 2. Contribute more to your 401k and 403b, and IRA's -Contribution limits increased $500 this year. 3. Reduce high interest rate debt (hopefully you are already debt free), but if not pay off your highest interest rate debt first and then your highest utilized amount of debt (debt to total credit ratio). -I do not recommend paying off mortgage debt because it is only 3% or 4% debt and the opportunity cost of what you could earn with that money is much higher. 4. Dollar cost average into the stock market. 5. Don't get too overweight in real estate because it is very late in the cycle. 6. Think over large purchases that can cost you tens of thousands of dollars, like new cars, other vehicles/boats, electronics, high ticket designer shoes/handbags, and moving homes too often. 7. Update wills and beneficiaries on retirement plans and insurance policies, especially if you've had a major life event like marriage, divorce, new baby, illness, or death. 8. Consider starting a side hustle for extra income. 9. Look into new cycles such as Cannabis stocks, artificial intelligence (AI), Infrastructure, Defense stocks, the younger (FANG stock replacement) tech companies. Should you consider the two big IPO's next year? 10. Keep following the "6 Steps to Wealth" and check out my Wealth Heiress book. Men and women are loving it! INTERESTED IN LEARNING WHERE AND HOW TO INVEST? This is only for you if you are committed to learning how to invest or how to improve your investing and interested in joining my inner investing circle, the Be Wealthy & Smart VIP Experience. After you complete the application, I will contact you to get on a call or Skype with me. We will discuss your vision for your investments, the next best steps to take and if we agree working with me to support that vision is a good match. International members are welcome. We have members in Canada, Australia, New Zealand, Spain, etc. To apply for a strategy session with Linda, click here. PLEASE SUBSCRIBE AND REVIEW THE SHOW If you enjoyed this episode, please subscribe and leave a review on whatever platform you listen. I love hearing from you!   PLEASE COMPLETE THE PODCAST SURVEY In an effort to make the show the best it can be, I need to know who my audience is and what you think. Please take 3 minutes to complete the survey and let me know. WEALTH HEIRESS TV Please subscribe to Wealth Heiress TV YouTube channel (it’s not just for women, it’s for men too!), here. THE CONTEST IS BACK ON! You have a great chance to win 25 prizes in March! It’s easy to enter. Just leave a podcast or book review. A podcast review = your name entered in the drawing 5 times. A book review on Amazon purchased on Amazon (says “verified purchase” review), your name entered 7 times. A podcast + book review = your name entered in the drawing 10 times. Prizes are: 11 Sets of Wealthy Mindset Blueprint audios (value $197 ea.) 11 Wealth Heiress books, personalized by Linda. 3 winners will have a 1/2 hour wealth mentoring session with Linda (value $500). Drawing will occur March 31, 2019 and will be announced on the following podcast. Leave a review on Amazon here. Get my book, “You’re Already a Wealth Heiress, Now Think and Act Like One: 6 Practical Steps to Make It a Reality Now!” Available on Amazon. International buyers (if you live outside of the US) get my book here. WANT MORE FROM LINDA? Check out her programs. Join her on Instagram. Listen to the full library of podcasts from the beginning. Today’s Sponsor: I want to take a few seconds to tell you about how I “read” more books and stay ahead of the curve. It’s by not reading books, but instead listening to them – like you are right now! With Audible, there are over 150,000 titles to choose from for your iPhone, Android, Kindle or mp3 player and…your first audiobook is FREE! I suggest you get the audio book of Think and Grow Rich, or you can check out my website Resources page where I list all of my favorite financial books and you see exactly what books I have read and recommend you read. Then get started with Audible by visiting https://lindapjones.com/FreeBook and order your first audio book free! Get Think and Grow Rich or another book from my recommend list, and be sure to get started checking off the books you want to read with your free book from Audible! Be Wealthy & Smart,™ is a personal finance show with self-made millionaire Linda P. Jones, America’s Wealth Mentor.™ Learn simple steps that make a big difference to your financial freedom. 
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14 min
March 15, 2019
New Financial ETFs That Pay YOU to Invest Your Money
Learn about the latest ETFs that pay you to invest in them and/or charge no fees. Are they a good deal? Should you trust them with your money? The race to lower fees continues with new ETFs being introduced with no fees - and even ETFs that pay YOU to invest. Does this make sense? Why would companies offer this? Is it sustainable? How much money do you actually save or make? First we explore the no-fee ETF model, mentioned in this article, then we explore the ETF that will pay you, in this article. INTERESTED IN LEARNING WHERE AND HOW TO INVEST? This is only for you if you are committed to learning how to invest or how to improve your investing and interested in joining my inner investing circle, the Be Wealthy & Smart VIP Experience. After you complete the application, I will contact you to get on a call or Skype with me. We will discuss your vision for your investments, the next best steps to take and if we agree working with me to support that vision is a good match. International members are welcome. We have members in Canada, Australia, New Zealand, Spain, etc. To apply for a strategy session with Linda, click here. PLEASE SUBSCRIBE AND REVIEW THE SHOW If you enjoyed this episode, please subscribe and leave a review on whatever platform you listen. I love hearing from you!   PLEASE COMPLETE THE PODCAST SURVEY In an effort to make the show the best it can be, I need to know who my audience is and what you think. Please take 3 minutes to complete the survey and let me know. WEALTH HEIRESS TV Please subscribe to Wealth Heiress TV YouTube channel (it’s not just for women, it’s for men too!), here. THE CONTEST IS BACK ON! You have a great chance to win 25 prizes in March! It’s easy to enter. Just leave a podcast or book review. A podcast review = your name entered in the drawing 5 times. A book review on Amazon purchased on Amazon (says “verified purchase” review), your name entered 7 times. A podcast + book review = your name entered in the drawing 10 times. Prizes are: 11 Sets of Wealthy Mindset Blueprint audios (value $197 ea.) 11 Wealth Heiress books, personalized by Linda. 3 winners will have a 1/2 hour wealth mentoring session with Linda (value $500). Drawing will occur March 31, 2019 and will be announced on the following podcast. Leave a review on Amazon here. Get my book, “You’re Already a Wealth Heiress, Now Think and Act Like One: 6 Practical Steps to Make It a Reality Now!” Available on Amazon. International buyers (if you live outside of the US) get my book here. WANT MORE FROM LINDA? Check out her programs. Join her on Instagram. Listen to the full library of podcasts from the beginning. Today’s Sponsor: I want to take a few seconds to tell you about how I “read” more books and stay ahead of the curve. It’s by not reading books, but instead listening to them – like you are right now! With Audible, there are over 150,000 titles to choose from for your iPhone, Android, Kindle or mp3 player and…your first audiobook is FREE! I suggest you get the audio book of Think and Grow Rich, or you can check out my website Resources page where I list all of my favorite financial books and you see exactly what books I have read and recommend you read. Then get started with Audible by visiting https://lindapjones.com/FreeBook and order your first audio book free! Get Think and Grow Rich or another book from my recommend list, and be sure to get started checking off the books you want to read with your free book from Audible! Be Wealthy & Smart,™ is a personal finance show with self-made millionaire Linda P. Jones, America’s Wealth Mentor.™ Learn simple steps that make a big difference to your financial freedom. 
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21 min
March 13, 2019
3 Smart Ways to Invest Your Tax Refund Money
Learn 3 ways to be smart with your tax refund. Thinking it through, what are the best uses to make the most progress with financial freedom? Also, learn the one change to the Tax Cuts and Jobs Act that you may not be aware of regarding HELOCs. The article is here.  INTERESTED IN LEARNING WHERE AND HOW TO INVEST? This is only for you if you are committed to learning how to invest or how to improve your investing and interested in joining my inner investing circle, the Be Wealthy & Smart VIP Experience. After you complete the application, I will contact you to get on a call or Skype with me. We will discuss your vision for your investments, the next best steps to take and if we agree working with me to support that vision is a good match. International members are welcome. We have members in Canada, Australia, New Zealand, Spain, etc. To apply for a strategy session with Linda, click here. PLEASE SUBSCRIBE AND REVIEW THE SHOW If you enjoyed this episode, please subscribe and leave a review on whatever platform you listen. I love hearing from you!   PLEASE COMPLETE THE PODCAST SURVEY In an effort to make the show the best it can be, I need to know who my audience is and what you think. Please take 3 minutes to complete the survey and let me know. WEALTH HEIRESS TV Please subscribe to Wealth Heiress TV YouTube channel (it’s not just for women, it’s for men too!), here. THE CONTEST IS BACK ON! You have a great chance to win 25 prizes in March! It’s easy to enter. Just leave a podcast or book review. A podcast review = your name entered in the drawing 5 times. A book review on Amazon purchased on Amazon (says “verified purchase” review), your name entered 7 times. A podcast + book review = your name entered in the drawing 10 times. Prizes are: 11 Sets of Wealthy Mindset Blueprint audios (value $197 ea.) 11 Wealth Heiress books, personalized by Linda. 3 winners will have a 1/2 hour wealth mentoring session with Linda (value $500). Drawing will occur March 31, 2019 and will be announced on the following podcast. Leave a review on Amazon here. Get my book, “You’re Already a Wealth Heiress, Now Think and Act Like One: 6 Practical Steps to Make It a Reality Now!” Available on Amazon. International buyers (if you live outside of the US) get my book here. WANT MORE FROM LINDA? Check out her programs. Join her on Instagram. Listen to the full library of podcasts from the beginning. Today’s Sponsor: I want to take a few seconds to tell you about how I “read” more books and stay ahead of the curve. It’s by not reading books, but instead listening to them – like you are right now! With Audible, there are over 150,000 titles to choose from for your iPhone, Android, Kindle or mp3 player and…your first audiobook is FREE! I suggest you get the audio book of Think and Grow Rich, or you can check out my website Resources page where I list all of my favorite financial books and you see exactly what books I have read and recommend you read. Then get started with Audible by visiting https://lindapjones.com/FreeBook and order your first audio book free! Get Think and Grow Rich or another book from my recommend list, and be sure to get started checking off the books you want to read with your free book from Audible! Be Wealthy & Smart,™ is a personal finance show with self-made millionaire Linda P. Jones, America’s Wealth Mentor.™ Learn simple steps that make a big difference to your financial freedom. 
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12 min
March 11, 2019
Are Gold, Silver and Precious Metals Ready to Take Off?
Learn why gold, silver and precious metals rise and why they may go much higher. The jobs report was expected to be 180,000, but came in at only 20,000 new jobs created. This could have been an anomaly due to cold weather and the government shutdown. The FED is not raising rates, but could they lower interest rates soon? How does a weak dollar figure into precious metals? The article is here.  INTERESTED IN LEARNING WHERE AND HOW TO INVEST? This is only for you if you are committed to learning how to invest or how to improve your investing and interested in joining my inner investing circle, the Be Wealthy & Smart VIP Experience. After you complete the application, I will contact you to get on a call or Skype with me. We will discuss your vision for your investments, the next best steps to take and if we agree working with me to support that vision is a good match. International members are welcome. We have members in Canada, Australia, New Zealand, Spain, etc. To apply for a strategy session with Linda, click here. PLEASE SUBSCRIBE AND REVIEW THE SHOW If you enjoyed this episode, please subscribe and leave a review on whatever platform you listen. I love hearing from you!   PLEASE COMPLETE THE PODCAST SURVEY In an effort to make the show the best it can be, I need to know who my audience is and what you think. Please take 3 minutes to complete the survey and let me know. WEALTH HEIRESS TV Please subscribe to Wealth Heiress TV YouTube channel (it’s not just for women, it’s for men too!), here. THE CONTEST IS BACK ON! You have a great chance to win 25 prizes in March! It’s easy to enter. Just leave a podcast or book review. A podcast review = your name entered in the drawing 5 times. A book review on Amazon purchased on Amazon (says “verified purchase” review), your name entered 7 times. A podcast + book review = your name entered in the drawing 10 times. Prizes are: 11 Sets of Wealthy Mindset Blueprint audios (value $197 ea.) 11 Wealth Heiress books, personalized by Linda. 3 winners will have a 1/2 hour wealth mentoring session with Linda (value $500). Drawing will occur March 31, 2019 and will be announced on the following podcast. Leave a review on Amazon here. Get my book, “You’re Already a Wealth Heiress, Now Think and Act Like One: 6 Practical Steps to Make It a Reality Now!” Available on Amazon. International buyers (if you live outside of the US) get my book here. WANT MORE FROM LINDA? Check out her programs. Join her on Instagram. Listen to the full library of podcasts from the beginning. Today’s Sponsor: I want to take a few seconds to tell you about how I “read” more books and stay ahead of the curve. It’s by not reading books, but instead listening to them – like you are right now! With Audible, there are over 150,000 titles to choose from for your iPhone, Android, Kindle or mp3 player and…your first audiobook is FREE! I suggest you get the audio book of Think and Grow Rich, or you can check out my website Resources page where I list all of my favorite financial books and you see exactly what books I have read and recommend you read. Then get started with Audible by visiting https://lindapjones.com/FreeBook and order your first audio book free! Get Think and Grow Rich or another book from my recommend list, and be sure to get started checking off the books you want to read with your free book from Audible! Be Wealthy & Smart,™ is a personal finance show with self-made millionaire Linda P. Jones, America’s Wealth Mentor.™ Learn simple steps that make a big difference to your financial freedom. 
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24 min
March 8, 2019
Last Minute Tax Deductions to Use or Lose
Learn what the Tax Cuts and Jobs Act last minute tax breaks are available and which deductions are gone. There are 5 last minute strategies available in 2019 for your 2018 return. The article is here. There are 6 common deductions which you probably won't be able to deduct in 2019. Learn what they are so you can change your behavior now. For example, home equity lines of credit are only tax deductible if used for your home or second home. They are no longer tax deductible for other uses. The article is here.  INTERESTED IN LEARNING WHERE AND HOW TO INVEST? This is only for you if you are committed to learning how to invest or how to improve your investing and interested in joining my inner investing circle, the Be Wealthy & Smart VIP Experience. After you complete the application, I will contact you to get on a call or Skype with me. We will discuss your vision for your investments, the next best steps to take and if we agree working with me to support that vision is a good match. International members are welcome. We have members in Canada, Australia, New Zealand, Spain, etc. To apply for a strategy session with Linda, click here. PLEASE SUBSCRIBE AND REVIEW THE SHOW If you enjoyed this episode, please subscribe and leave a review on whatever platform you listen. I love hearing from you!   PLEASE COMPLETE THE PODCAST SURVEY In an effort to make the show the best it can be, I need to know who my audience is and what you think. Please take 3 minutes to complete the survey and let me know. WEALTH HEIRESS TV Please subscribe to Wealth Heiress TV YouTube channel (it’s not just for women, it’s for men too!), here. THE CONTEST IS BACK ON! You have a great chance to win 25 prizes in March! It’s easy to enter. Just leave a podcast or book review. A podcast review = your name entered in the drawing 5 times. A book review on Amazon purchased on Amazon (says “verified purchase” review), your name entered 7 times. A podcast + book review = your name entered in the drawing 10 times. Prizes are: 11 Sets of Wealthy Mindset Blueprint audios (value $197 ea.) 11 Wealth Heiress books, personalized by Linda. 3 winners will have a 1/2 hour wealth mentoring session with Linda (value $500). Drawing will occur March 31, 2019 and will be announced on the following podcast. Leave a review on Amazon here. Get my book, “You’re Already a Wealth Heiress, Now Think and Act Like One: 6 Practical Steps to Make It a Reality Now!” Available on Amazon. International buyers (if you live outside of the US) get my book here. WANT MORE FROM LINDA? Check out her programs. Join her on Instagram. Listen to the full library of podcasts from the beginning. Today’s Sponsor: I want to take a few seconds to tell you about how I “read” more books and stay ahead of the curve. It’s by not reading books, but instead listening to them – like you are right now! With Audible, there are over 150,000 titles to choose from for your iPhone, Android, Kindle or mp3 player and…your first audiobook is FREE! I suggest you get the audio book of Think and Grow Rich, or you can check out my website Resources page where I list all of my favorite financial books and you see exactly what books I have read and recommend you read. Then get started with Audible by visiting https://lindapjones.com/FreeBook and order your first audio book free! Get Think and Grow Rich or another book from my recommend list, and be sure to get started checking off the books you want to read with your free book from Audible! Be Wealthy & Smart,™ is a personal finance show with self-made millionaire Linda P. Jones, America’s Wealth Mentor.™ Learn simple steps that make a big difference to your financial freedom. 
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19 min
March 6, 2019
8 Financial Mistakes to Avoid For Retirement
Learn what 8 financial mistakes that commonly occur in retirement and what to watch out for. Some common mistakes include: outliving your money, panicking in a bear market, and not outperforming inflation, among others. I add my input to an already good list of ideas. These are things you need to think about well in advance of retirement, such as how to structure your portfolio, what you are investing in, and whether or not you buy long-term care insurance. The article is here. INTERESTED IN LEARNING WHERE AND HOW TO INVEST? This is only for you if you are committed to learning how to invest or how to improve your investing and interested in joining my inner investing circle, the Be Wealthy & Smart VIP Experience. After you complete the application, I will contact you to get on a call or Skype with me. We will discuss your vision for your investments, the next best steps to take and if we agree working with me to support that vision is a good match. International members are welcome. We have members in Canada, Australia, New Zealand, Spain, etc. To apply for a strategy session with Linda, click here. PLEASE SUBSCRIBE AND REVIEW THE SHOW If you enjoyed this episode, please subscribe and leave a review on whatever platform you listen. I love hearing from you!   PLEASE COMPLETE THE PODCAST SURVEY In an effort to make the show the best it can be, I need to know who my audience is and what you think. Please take 3 minutes to complete the survey and let me know. WEALTH HEIRESS TV Please subscribe to Wealth Heiress TV YouTube channel (it’s not just for women, it’s for men too!), here. THE CONTEST IS BACK ON! You have a great chance to win 25 prizes in March! It’s easy to enter. Just leave a podcast or book review. A podcast review = your name entered in the drawing 5 times. A book review on Amazon purchased on Amazon (says “verified purchase” review), your name entered 7 times. A podcast + book review = your name entered in the drawing 10 times. Prizes are: 11 Sets of Wealthy Mindset Blueprint audios (value $197 ea.) 11 Wealth Heiress books, personalized by Linda. 3 winners will have a 1/2 hour wealth mentoring session with Linda (value $500). Drawing will occur March 31, 2019 and will be announced on the following podcast. Leave a review on Amazon here. Get my book, “You’re Already a Wealth Heiress, Now Think and Act Like One: 6 Practical Steps to Make It a Reality Now!” Available on Amazon. International buyers (if you live outside of the US) get my book here. WANT MORE FROM LINDA? Check out her programs. Join her on Instagram. Listen to the full library of podcasts from the beginning. Today’s Sponsor: I want to take a few seconds to tell you about how I “read” more books and stay ahead of the curve. It’s by not reading books, but instead listening to them – like you are right now! With Audible, there are over 150,000 titles to choose from for your iPhone, Android, Kindle or mp3 player and…your first audiobook is FREE! I suggest you get the audio book of Think and Grow Rich, or you can check out my website Resources page where I list all of my favorite financial books and you see exactly what books I have read and recommend you read. Then get started with Audible by visiting https://lindapjones.com/FreeBook and order your first audio book free! Get Think and Grow Rich or another book from my recommend list, and be sure to get started checking off the books you want to read with your free book from Audible! Be Wealthy & Smart,™ is a personal finance show with self-made millionaire Linda P. Jones, America’s Wealth Mentor.™ Learn simple steps that make a big difference to your financial freedom. 
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19 min
March 4, 2019
8 Things to Do to Save More Money and Retire Early - FIRE
Learn what to do and not to do when retiring early. "FIRE" means financial independence, retire early. This is from someone who retired at age 38 and gives advice from her experiences.
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28 min
March 1, 2019
Is Investing Money in Sector ETFs a Smart Financial Move?
Learn the 3 thematic (sector) ETFs that are leading the market and what investor sentiment is telling us. I’m sharing two articles – one about thematic ETFs and one about stock market sentiment.  I also announce the 15 winners of the February review contest. INTERESTED IN LEARNING WHERE AND HOW TO INVEST? This is only for you if you are committed to learning how to invest or how to improve your investing and interested in joining my inner investing circle, the Be Wealthy & Smart VIP Experience. After you complete the application, I will contact you to get on a call or Skype with me. We will discuss your vision for your investments, the next best steps to take and if we agree working with me to support that vision is a good match. International members are welcome. We have members in Canada, Australia, New Zealand, Spain, etc. To apply for a strategy session with Linda, click here. PLEASE SUBSCRIBE AND REVIEW THE SHOW If you enjoyed this episode, please subscribe and leave a review on whatever platform you listen. I love hearing from you! WINNERS OF THE FEBRUARY REVIEW CONTEST ARE: Wealthy Mindset Blueprint Audios: 1. Melanie 2. Priya 3. dkutka 4. Meli Cari 5. Chchgxghbdhhgd Wealth Heiress Books: 1. Karen Watzel 2. bbffjjsht 3. Iggy Cortes 4. Chemowa5 5. Addicted2Stories Wealth Mentoring Sessions: 1. Monica Butschek 2. Tejoball 3. Dave Burr 4. RozPacNW 5. Roslyn Albee Congratulations everyone! Please email me at lpjhome@gmail.com and put “winner” in the subject line. Thank you! PLEASE COMPLETE THE PODCAST SURVEY In an effort to make the show the best it can be, I need to know who my audience is and what you think. Please take 3 minutes to complete the survey and let me know. WEALTH HEIRESS TV Please subscribe to Wealth Heiress TV YouTube channel (it’s not just for women, it’s for men too!), here. THE CONTEST IS BACK ON! You have a great chance to win 25 prizes in March! It’s easy to enter. Just leave a podcast or book review. A podcast review = your name entered in the drawing 5 times. A book review on Amazon purchased on Amazon (says “verified purchase” review), your name entered 7 times. A podcast + book review = your name entered in the drawing 10 times. Prizes are: 11 Sets of Wealthy Mindset Blueprint audios (value $197 ea.) 11 Wealth Heiress books, personalized by Linda. 3 winners will have a 1/2 hour wealth mentoring session with Linda (value $500). Drawing will occur March 31, 2019 and will be announced on the podcast. Leave a review on Amazon here. Get my book, “You’re Already a Wealth Heiress, Now Think and Act Like One: 6 Practical Steps to Make It a Reality Now!” Available on Amazon. International buyers (if you live outside of the US) get my book here. WANT MORE FROM LINDA? Check out her programs. Join her on Instagram. Listen to the full library of podcasts from the beginning. Today’s Sponsor: I want to take a few seconds to tell you about how I “read” more books and stay ahead of the curve. It’s by not reading books, but instead listening to them – like you are right now! With Audible, there are over 150,000 titles to choose from for your iPhone, Android, Kindle or mp3 player and…your first audiobook is FREE! I suggest you get the audio book of Think and Grow Rich, or you can check out my website Resources page where I list all of my favorite financial books and you see exactly what books I have read and recommend you read. Then get started with Audible by visiting https://lindapjones.com/FreeBook and order your first audio book free! Get Think and Grow Rich or another book from my recommend list, and be sure to get started checking off the books you want to read with your free book from Audible! Be Wealthy & Smart,™ is a personal finance show with self-made millionaire Linda P. Jones, America’s Wealth Mentor.™ Learn simple steps that make a big difference to your financial freedom. 
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33 min
February 27, 2019
Warren Buffet on Money: Make Your First $1 Million
Learn Warren Buffett's advice how to make your first million dollars. Of course, his suggestions tailor nicely with the 6 Steps to Wealth.  What does he think of debt? Savings? Friends? Warren has a lot to say to help you get to your first million dollars. The article is here. INTERESTED IN LEARNING WHERE AND HOW TO INVEST? This is only for you if you are committed to learning how to invest or how to improve your investing and interested in joining my inner investing circle, the Be Wealthy & Smart VIP Experience with Linda P. Jones. After you complete the application, I will contact you to get on a call with me. We will discuss your vision for your investments, the next best steps to take and if we agree working with me to support that vision is a good match. You will also receive a one-time best price to work with me.  To apply for a strategy session with Linda, click here. PLEASE SUBSCRIBE AND REVIEW THE SHOW If you enjoyed this episode, please subscribe and leave a review on whatever platform you listen. I love hearing from you! PLEASE COMPLETE THE PODCAST SURVEY In an effort to make the show the best it can be, I need to know who my audience is and what you think. Please take 3 minutes to complete the survey and let me know. WEALTH HEIRESS TV Please subscribe to Wealth Heiress TV YouTube channel (it's not just for women, it's for men too!), here. THE CONTEST IS BACK ON! You have a great chance to win 15 prizes in February and 25 prizes in March! It's easy to enter. Just leave a podcast or book review. A podcast review = your name entered in the drawing 5 times. A book review on Amazon purchased on Amazon (says "verified purchase" review), your name entered 7 times. A podcast + book review = your name entered in the drawing 10 times. Prizes are: 11 Sets of Wealthy Mindset Blueprint audios (value $197 ea.) 11 Wealth Heiress books, personalized by Linda. 3 winners will have a 1/2 hour wealth mentoring session with Linda (value $500). Drawing will occur March 31, 2019 and will be announced on the podcast. Leave a review on Amazon here. Get my book, “You’re Already a Wealth Heiress, Now Think and Act Like One: 6 Practical Steps to Make It a Reality Now!” Available on Amazon. International buyers (if you live outside of the US) get my book here. WANT MORE FROM LINDA? Check out her programs. Join her on Instagram. Listen to the full library of podcasts from the beginning. Today’s Sponsor: I want to take a few seconds to tell you about how I “read” more books and stay ahead of the curve. It’s by not reading books, but instead listening to them - like you are right now! With Audible, there are over 150,000 titles to choose from for your iPhone, Android, Kindle or mp3 player and…your first audiobook is FREE! I suggest you get the audio book of Think and Grow Rich, or you can check out my website Resources page where I list all of my favorite financial books and you see exactly what books I have read and recommend you read. Then get started with Audible by visiting https://lindapjones.com/FreeBook and order your first audio book free! Get Think and Grow Rich or another book from my recommend list, and be sure to get started checking off the books you want to read with your free book from Audible! Be Wealthy & Smart,™ is a personal finance show with self-made millionaire Linda P. Jones, America’s Wealth Mentor.™ Learn simple steps that make a big difference to your financial freedom.       
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23 min
February 25, 2019
Investing in Gold Mining ETFs
Learn what gold mining ETFs have performed well and why gold is a good hedge. We explore what gold stocks and ETFs have performed well and why they may continue to do so. Gold doesn't necessarily require high inflation for good performance. Uncertainty, government, unrest, crises, volatility, yields, debt and currencies can also cause investors to flee to gold and mining shares. "Gold has been the best performing global asset for 18 years." - Eric Sprott, Canadian billionaire The charts I mentioned are here.  INTERESTED IN LEARNING WHERE AND HOW TO INVEST? This is only for you if you are committed to learning how to invest or how to improve your investing and interested in joining my inner investing circle, the Be Wealthy & Smart VIP Experience with Linda P. Jones. After you complete the application, I will contact you to get on a call with me. We will discuss your vision for your investments, the next best steps to take and if we agree working with me to support that vision is a good match. You will also receive a one-time best price to work with me.  To apply for a strategy session with Linda, click here. PLEASE SUBSCRIBE AND REVIEW THE SHOW If you enjoyed this episode, please subscribe and leave a review on whatever platform you listen. I love hearing from you! PLEASE COMPLETE THE PODCAST SURVEY In an effort to make the show the best it can be, I need to know who my audience is and what you think. Please take 3 minutes to complete the survey and let me know. WEALTH HEIRESS TV Please subscribe to Wealth Heiress TV YouTube channel (it's not just for women, it's for men too!), here. THE CONTEST IS BACK ON! You have a great chance to win 15 prizes in February and 25 prizes in March! It's easy to enter. Just leave a podcast or book review. A podcast review = your name entered in the drawing 5 times. A book review on Amazon purchased on Amazon (says "verified purchase" review), your name entered 7 times. A podcast + book review = your name entered in the drawing 10 times. Prizes are: 11 Sets of Wealthy Mindset Blueprint audios (value $197 ea.) 11 Wealth Heiress books, personalized by Linda. 3 winners will have a 1/2 hour wealth mentoring session with Linda (value $500). Drawing will occur March 31, 2019 and will be announced on the podcast. Leave a review on Amazon here. Get my book, “You’re Already a Wealth Heiress, Now Think and Act Like One: 6 Practical Steps to Make It a Reality Now!” Available on Amazon. International buyers (if you live outside of the US) get my book here. WANT MORE FROM LINDA? Check out her programs. Join her on Instagram. Listen to the full library of podcasts from the beginning. Today’s Sponsor: I want to take a few seconds to tell you about how I “read” more books and stay ahead of the curve. It’s by not reading books, but instead listening to them - like you are right now! With Audible, there are over 150,000 titles to choose from for your iPhone, Android, Kindle or mp3 player and…your first audiobook is FREE! I suggest you get the audio book of Think and Grow Rich, or you can check out my website Resources page where I list all of my favorite financial books and you see exactly what books I have read and recommend you read. Then get started with Audible by visiting https://lindapjones.com/FreeBook and order your first audio book free! Get Think and Grow Rich or another book from my recommend list, and be sure to get started checking off the books you want to read with your free book from Audible! Be Wealthy & Smart,™ is a personal finance show with self-made millionaire Linda P. Jones, America’s Wealth Mentor.™ Learn simple steps that make a big difference to your financial freedom.         
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21 min
February 22, 2019
Initial Public Offerings (IPO's) in 2019
Learn why IPO's are flooding the stock market in 2019 and why it is worrisome. Many IPO's are scheduled for 2019 such as Uber, Levi's, Pinterest, and others. Will portfolio managers have to sell existing stock in favorites such as Apple, Amazon and Alphabet in order to buy them? We discuss what to look for in an IPO, how to find good ones and why valuations and/or PE ratios may be high no matter what. The article is here. NOTE: After this podcast was published, I learned Pinterest stock will be offered at a valuation of $18 Billion! Waaaay more than I am comfortable with valuing the company, so the interest I showed in Pinterest on the podcast, before knowing the valuation, now makes my opinion the same as my opinion of Uber: severely overvalued. INTERESTED IN LEARNING WHERE AND HOW TO INVEST? This is only for you if you are committed to learning how to invest or how to improve your investing and interested in joining my inner investing circle, the Be Wealthy & Smart VIP Experience with Linda P. Jones. After you complete the application, I will contact you to get on a call with me. We will discuss your vision for your investments, the next best steps to take and if we agree working with me to support that vision is a good match. You will also receive a one-time best price to work with me.  To apply for a strategy session with Linda, click here. PLEASE SUBSCRIBE AND REVIEW THE SHOW If you enjoyed this episode, please subscribe and leave a review on whatever platform you listen. I love hearing from you! PLEASE COMPLETE THE PODCAST SURVEY In an effort to make the show the best it can be, I need to know who my audience is and what you think. Please take 3 minutes to complete the survey and let me know. WEALTH HEIRESS TV Please subscribe to Wealth Heiress TV YouTube channel (it's not just for women, it's for men too!), here. THE CONTEST IS BACK ON! You have a great chance to win 15 prizes in February and 25 prizes in March! It's easy to enter. Just leave a podcast or book review. A podcast review = your name entered in the drawing 5 times. A book review on Amazon purchased on Amazon (says "verified purchase" review), your name entered 7 times. A podcast + book review = your name entered in the drawing 10 times. Prizes are: 11 Sets of Wealthy Mindset Blueprint audios (value $197 ea.) 11 Wealth Heiress books, personalized by Linda. 3 winners will have a 1/2 hour wealth mentoring session with Linda (value $500). Drawing will occur March 31, 2019 and will be announced on the podcast. Leave a review on Amazon here. Get my book, “You’re Already a Wealth Heiress, Now Think and Act Like One: 6 Practical Steps to Make It a Reality Now!” Available on Amazon. International buyers (if you live outside of the US) get my book here. WANT MORE FROM LINDA? Check out her programs. Join her on Instagram. Listen to the full library of podcasts from the beginning. Today’s Sponsor: I want to take a few seconds to tell you about how I “read” more books and stay ahead of the curve. It’s by not reading books, but instead listening to them - like you are right now! With Audible, there are over 150,000 titles to choose from for your iPhone, Android, Kindle or mp3 player and…your first audiobook is FREE! I suggest you get the audio book of Think and Grow Rich, or you can check out my website Resources page where I list all of my favorite financial books and you see exactly what books I have read and recommend you read. Then get started with Audible by visiting https://lindapjones.com/FreeBook and order your first audio book free! Get Think and Grow Rich or another book from my recommend list, and be sure to get started checking off the books you want to read with your free book from Audible! Be Wealthy & Smart,™ is a personal finance show with self-made millionaire Linda P. Jones, America’s Wealth Mentor.™ Learn simple steps that make a big difference to your financial freedom.       
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20 min
February 20, 2019
Millionaires and Billionaires are Investing Money in Gold and Cannabis
Learn about the millionaires and billionaires that are investing in gold and cannabis and what the exciting opportunities are. In this article, it mentions the Tiger 21 investment club. They are selling real estate and buying gold and cannabis - exactly what I have been recommending! Perhaps they are following the same cycle research I mentioned in my Wealth Heiress book? I review why gold and cannabis are attractive investments now, how to judge the market and why you want to invest like billionaires. INTERESTED IN THE VIP EXPERIENCE? In this monthly LIVE webinar with Linda, you’ll learn: Where you to invest right now to prepare to build wealth in the next bubble (that is quietly forming) Why billionaires are chomping at the bit to make their next fortunes, and you can too without having their money Why it doesn't take a lot of money or investment experience to attain financial freedom Where fortunes may be made in the next 5 years and how to make yours Linda’s teaching style is to take cutting-edge information and make it easy to understand and implement the concepts. She gives you all the details about where bubbles are forming, how to invest, and specifically what to buy (with ticker symbols). To find out where wealth building opportunities are and apply for a strategy session with Linda, click here. PLEASE SUBSCRIBE AND REVIEW THE SHOW If you enjoyed this episode, please subscribe and leave a review on whatever platform you listen. I love hearing from you! PLEASE COMPLETE THE PODCAST SURVEY In an effort to make the show the best it can be, I need to know who my audience is and what you think. Please take 3 minutes to complete the survey and let me know. WEALTH HEIRESS TV Please subscribe to Wealth Heiress TV YouTube channel (it's not just for women, it's for men too!), here. THE CONTEST IS BACK ON! You have a great chance to win 15 prizes in February and 25 prizes in March! It's easy to enter. Just leave a podcast or book review. A podcast review = your name entered in the drawing 5 times. A book review on Amazon purchased on Amazon (says "verified purchase" review), your name entered 7 times. A podcast + book review = your name entered in the drawing 10 times. Prizes are: 11 Sets of Wealthy Mindset Blueprint audios (value $197 ea.) 11 Wealth Heiress books, personalized by Linda. 3 winners will have a 1/2 hour wealth mentoring session with Linda (value $500). Drawing will occur March 31, 2019 and will be announced on the podcast. Leave a review on Amazon here. Get my book, “You’re Already a Wealth Heiress, Now Think and Act Like One: 6 Practical Steps to Make It a Reality Now!” Available on Amazon. International buyers (if you live outside of the US) get my book here. WANT MORE FROM LINDA? Check out her programs. Join her on Instagram. Listen to the full library of podcasts from the beginning. Today’s Sponsor: I want to take a few seconds to tell you about how I “read” more books and stay ahead of the curve. It’s by not reading books, but instead listening to them - like you are right now! With Audible, there are over 150,000 titles to choose from for your iPhone, Android, Kindle or mp3 player and…your first audiobook is FREE! I suggest you get the audio book of Think and Grow Rich, or you can check out my website Resources page where I list all of my favorite financial books and you see exactly what books I have read and recommend you read. Then get started with Audible by visiting https://lindapjones.com/FreeBook and order your first audio book free! Get Think and Grow Rich or another book from my recommend list, and be sure to get started checking off the books you want to read with your free book from Audible! Be Wealthy & Smart,™ is a personal finance show with self-made millionaire Linda P. Jones, America’s Wealth Mentor.™ Learn simple steps that make a big difference to your financial freedom.       
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23 min
February 18, 2019
5 Best Dividend ETF's for 2019 (YTD)
Learn which are the best dividend ETFs and what their returns are YTD. Some dividend ETF's pay more than the S & P 500 and two pay more than 8%. Many dividend ETF's are even beating the broader market this year. The chart of dividend ETF's and their performance is here. INTERESTED IN THE VIP EXPERIENCE? In this monthly LIVE webinar with Linda, you’ll learn: Where you to invest right now to prepare to build wealth in the next bubble (that is quietly forming) Why billionaires are chomping at the bit to make their next fortunes, and you can too without having their money Why it doesn't take a lot of money or investment experience to attain financial freedom Where fortunes may be made in the next 5 years and how to make yours Linda’s teaching style is to take cutting-edge information and make it easy to understand and implement the concepts. She gives you all the details about where bubbles are forming, how to invest, and specifically what to buy (with ticker symbols). To find out where wealth building opportunities are and apply for a strategy session with Linda, click here. PLEASE SUBSCRIBE AND REVIEW THE SHOW If you enjoyed this episode, please subscribe and leave a review on whatever platform you listen. I love hearing from you! PLEASE COMPLETE THE PODCAST SURVEY In an effort to make the show the best it can be, I need to know who my audience is and what you think. Please take 3 minutes to complete the survey and let me know. WEALTH HEIRESS TV Please subscribe to Wealth Heiress TV YouTube channel (it's not just for women, it's for men too!), here. THE CONTEST IS BACK ON! You have a great chance to win 15 prizes in February and 25 prizes in March! It's easy to enter. Just leave a podcast or book review. A podcast review = your name entered in the drawing 5 times. A book review on Amazon purchased on Amazon (says "verified purchase" review), your name entered 7 times. A podcast + book review = your name entered in the drawing 10 times. Prizes are: 11 Sets of Wealthy Mindset Blueprint audios (value $197 ea.) 11 Wealth Heiress books, personalized by Linda. 3 winners will have a 1/2 hour wealth mentoring session with Linda (value $500). Drawing will occur March 31, 2019 and will be announced on the podcast. Leave a review on Amazon here. Get my book, “You’re Already a Wealth Heiress, Now Think and Act Like One: 6 Practical Steps to Make It a Reality Now!” Available on Amazon. International buyers (if you live outside of the US) get my book here. WANT MORE FROM LINDA? Check out her programs. Join her on Instagram. Listen to the full library of podcasts from the beginning. Today’s Sponsor: I want to take a few seconds to tell you about how I “read” more books and stay ahead of the curve. It’s by not reading books, but instead listening to them - like you are right now! With Audible, there are over 150,000 titles to choose from for your iPhone, Android, Kindle or mp3 player and…your first audiobook is FREE! I suggest you get the audio book of Think and Grow Rich, or you can check out my website Resources page where I list all of my favorite financial books and you see exactly what books I have read and recommend you read. Then get started with Audible by visiting https://lindapjones.com/FreeBook and order your first audio book free! Get Think and Grow Rich or another book from my recommend list, and be sure to get started checking off the books you want to read with your free book from Audible! Be Wealthy & Smart,™ is a personal finance show with self-made millionaire Linda P. Jones, America’s Wealth Mentor.™ Learn simple steps that make a big difference to your financial freedom.       
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10 min
February 15, 2019
Towns with Wealthiest Millionaires and Billionaires in the U.S.
Learn which towns have the highest average income and where they are located. It's interesting to be aware of where the wealthy choose to live and why. Location, school districts and corporate headquarters are big influencers as to where they live. The article is here. INTERESTED IN THE VIP EXPERIENCE? In this monthly LIVE webinar with Linda, you’ll learn: Where you to invest right now to prepare to build wealth in the next bubble (that is quietly forming) Why billionaires are chomping at the bit to make their next fortunes, and you can too without having their money Why it doesn't take a lot of money or investment experience to attain financial freedom Where fortunes may be made in the next 5 years and how to make yours Linda’s teaching style is to take cutting-edge information and make it easy to understand and implement the concepts. She gives you all the details about where bubbles are forming, how to invest, and specifically what to buy (with ticker symbols). To find out where wealth building opportunities are and apply for a strategy session with Linda, click here. PLEASE SUBSCRIBE AND REVIEW THE SHOW If you enjoyed this episode, please subscribe and leave a review on whatever platform you listen. I love hearing from you! PLEASE COMPLETE THE PODCAST SURVEY In an effort to make the show the best it can be, I need to know who my audience is and what you think. Please take 3 minutes to complete the survey and let me know. WEALTH HEIRESS TV Please subscribe to Wealth Heiress TV YouTube channel (it's not just for women, it's for men too!), here. THE CONTEST IS BACK ON! You have a great chance to win 15 prizes in February and 25 prizes in March! It's easy to enter. Just leave a podcast or book review. A podcast review = your name entered in the drawing 5 times. A book review on Amazon purchased on Amazon (says "verified purchase" review), your name entered 7 times. A podcast + book review = your name entered in the drawing 10 times. Prizes are: 11 Sets of Wealthy Mindset Blueprint audios (value $197 ea.) 11 Wealth Heiress books, personalized by Linda. 3 winners will have a 1/2 hour wealth mentoring session with Linda (value $500). Drawing will occur March 31, 2019 and will be announced on the podcast. Leave a review on Amazon here. Get my book, “You’re Already a Wealth Heiress, Now Think and Act Like One: 6 Practical Steps to Make It a Reality Now!” Available on Amazon. International buyers (if you live outside of the US) get my book here. WANT MORE FROM LINDA? Check out her programs. Join her on Instagram. Listen to the full library of podcasts from the beginning. Today’s Sponsor: I want to take a few seconds to tell you about how I “read” more books and stay ahead of the curve. It’s by not reading books, but instead listening to them - like you are right now! With Audible, there are over 150,000 titles to choose from for your iPhone, Android, Kindle or mp3 player and…your first audiobook is FREE! I suggest you get the audio book of Think and Grow Rich, or you can check out my website Resources page where I list all of my favorite financial books and you see exactly what books I have read and recommend you read. Then get started with Audible by visiting https://lindapjones.com/FreeBook and order your first audio book free! Get Think and Grow Rich or another book from my recommend list, and be sure to get started checking off the books you want to read with your free book from Audible! Be Wealthy & Smart,™ is a personal finance show with self-made millionaire Linda P. Jones, America’s Wealth Mentor.™ Learn simple steps that make a big difference to your financial freedom.       
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13 min
February 13, 2019
Cannabis Federal Legislation Proposed
Learn the new laws proposed to legalize cannabis on the federal level. There are three bills proposed by Oregon representatives to legalize cannabis and treat it like alcohol and tobacco. This is very exciting news! The first article I mentioned is here. The legislation is here.  INTERESTED IN THE VIP EXPERIENCE? In this monthly LIVE webinar with Linda, you’ll learn: Where you to invest right now to prepare to build wealth in the next bubble (that is quietly forming) Why billionaires are chomping at the bit to make their next fortunes, and you can too without having their money Why it doesn't take a lot of money or investment experience to attain financial freedom Where fortunes may be made in the next 5 years and how to make yours Linda’s teaching style is to take cutting-edge information and make it easy to understand and implement the concepts. She gives you all the details about where bubbles are forming, how to invest, and specifically what to buy (with ticker symbols). To find out where wealth building opportunities are and apply for a strategy session with Linda, click here. PLEASE SUBSCRIBE AND REVIEW THE SHOW If you enjoyed this episode, please subscribe and leave a review on whatever platform you listen. I love hearing from you! PLEASE COMPLETE THE PODCAST SURVEY In an effort to make the show the best it can be, I need to know who my audience is and what you think. Please take 3 minutes to complete the survey and let me know. WEALTH HEIRESS TV Please subscribe to Wealth Heiress TV YouTube channel (it's not just for women, it's for men too!), here. THE CONTEST IS BACK ON! You have a great chance to win 25 prizes! It's easy to enter. Just leave a podcast or book review. A podcast review = your name entered in the drawing 5 times. A book review on Amazon purchased on Amazon (says "verified purchase" review), your name entered 7 times. A podcast + book review = your name entered in the drawing 10 times. Prizes are: 11 Sets of Wealthy Mindset Blueprint audios (value $197 ea.) 11 Wealth Heiress books, personalized by Linda. 3 winners will have a 1/2 hour wealth mentoring session with Linda (value $500). Drawing will occur March 31, 2019 and will be announced on the podcast. Leave a review on Amazon here. Get my book, “You’re Already a Wealth Heiress, Now Think and Act Like One: 6 Practical Steps to Make It a Reality Now!” Available on Amazon. International buyers (if you live outside of the US) get my book here. WANT MORE FROM LINDA? Check out her programs. Join her on Instagram. Listen to the full library of podcasts from the beginning. Today’s Sponsor: I want to take a few seconds to tell you about how I “read” more books and stay ahead of the curve. It’s by not reading books, but instead listening to them - like you are right now! With Audible, there are over 150,000 titles to choose from for your iPhone, Android, Kindle or mp3 player and…your first audiobook is FREE! I suggest you get the audio book of Think and Grow Rich, or you can check out my website Resources page where I list all of my favorite financial books and you see exactly what books I have read and recommend you read. Then get started with Audible by visiting https://lindapjones.com/FreeBook and order your first audio book free! Get Think and Grow Rich or another book from my recommend list, and be sure to get started checking off the books you want to read with your free book from Audible! Be Wealthy & Smart,™ is a personal finance show with self-made millionaire Linda P. Jones, America’s Wealth Mentor.™ Learn simple steps that make a big difference to your financial freedom.       
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28 min
February 11, 2019
Mastering Investor Sentiment and Stock Investing
Learn how to master investor sentiment when investing in the stock market. The January barometer is one of many indicators we use for stock market investing.  If the first 5 days of January are green and the next 27 days are green (positive returns), in 27/30 years the stock market had a positive return that year. The article I'm sharing is here. INTERESTED IN THE VIP EXPERIENCE? In this monthly LIVE webinar with Linda, you’ll learn: Where you to invest right now to prepare to build wealth in the next bubble (that is quietly forming) Why billionaires are chomping at the bit to make their next fortunes, and you can too without having their money Why it doesn't take a lot of money or investment experience to attain financial freedom Where fortunes may be made in the next 5 years and how to make yours Linda’s teaching style is to take cutting-edge information and make it easy to understand and implement the concepts. She gives you all the details about where bubbles are forming, how to invest, and specifically what to buy (with ticker symbols). To find out where wealth building opportunities are and apply for a strategy session with Linda, click here. PLEASE SUBSCRIBE AND REVIEW THE SHOW If you enjoyed this episode, please subscribe and leave a review on whatever platform you listen. I love hearing from you! PLEASE COMPLETE THE PODCAST SURVEY In an effort to make the show the best it can be, I need to know who my audience is and what you think. Please take 3 minutes to complete the survey and let me know. WEALTH HEIRESS TV Please subscribe to Wealth Heiress TV YouTube channel (it's not just for women, it's for men too!), here. THE CONTEST IS BACK ON! You have a great chance to win 25 prizes! It's easy to enter. Just leave a podcast or book review. A podcast review = your name entered in the drawing 5 times. A book review on Amazon purchased on Amazon (says "verified purchase" review), your name entered 7 times. A podcast + book review = your name entered in the drawing 10 times. Prizes are: 11 Sets of Wealthy Mindset Blueprint audios (value $197 ea.) 11 Wealth Heiress books, personalized by Linda. 3 winners will have a 1/2 hour wealth mentoring session with Linda (value $500). Drawing will occur March 31, 2019 and will be announced on the podcast. Leave a review on Amazon here. Get my book, “You’re Already a Wealth Heiress, Now Think and Act Like One: 6 Practical Steps to Make It a Reality Now!” Available on Amazon. International buyers (if you live outside of the US) get my book here. WANT MORE FROM LINDA? Check out her programs. Join her on Instagram. Listen to the full library of podcasts from the beginning. Today’s Sponsor: I want to take a few seconds to tell you about how I “read” more books and stay ahead of the curve. It’s by not reading books, but instead listening to them - like you are right now! With Audible, there are over 150,000 titles to choose from for your iPhone, Android, Kindle or mp3 player and…your first audiobook is FREE! I suggest you get the audio book of Think and Grow Rich, or you can check out my website Resources page where I list all of my favorite financial books and you see exactly what books I have read and recommend you read. Then get started with Audible by visiting https://lindapjones.com/FreeBook and order your first audio book free! Get Think and Grow Rich or another book from my recommend list, and be sure to get started checking off the books you want to read with your free book from Audible! Be Wealthy & Smart,™ is a personal finance show with self-made millionaire Linda P. Jones, America’s Wealth Mentor.™ Learn simple steps that make a big difference to your financial freedom.       
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22 min
February 8, 2019
8 Things to Do With Your Tax Refund
Learn 8 things to do with your tax refund that are smart financial moves. INTERESTED IN THE VIP EXPERIENCE? In this monthly LIVE webinar with Linda, you’ll learn: Where you to invest right now to prepare to build wealth in the next bubble (that is quietly forming) Why billionaires are chomping at the bit to make their next fortunes, and you can too without having their money Why it doesn't take a lot of money or investment experience to attain financial freedom Where fortunes may be made in the next 5 years and how to make yours Linda’s teaching style is to take cutting-edge information and make it easy to understand and implement the concepts. She gives you all the details about where bubbles are forming, how to invest, and specifically what to buy (with ticker symbols). To find out where wealth building opportunities are and apply for a strategy session with Linda, click here. PLEASE SUBSCRIBE AND REVIEW THE SHOW If you enjoyed this episode, please subscribe and leave a review on whatever platform you listen. I love hearing from you! PLEASE COMPLETE THE PODCAST SURVEY In an effort to make the show the best it can be, I need to know who my audience is and what you think. Please take 3 minutes to complete the survey and let me know. WEALTH HEIRESS TV Please subscribe to Wealth Heiress TV YouTube channel (it's not just for women, it's for men too!), here. THE CONTEST IS BACK ON! You have a great chance to win 25 prizes! It's easy to enter. Just leave a podcast or book review. A podcast review = your name entered in the drawing 5 times. A book review on Amazon purchased on Amazon (says "verified purchase" review), your name entered 7 times. A podcast + book review = your name entered in the drawing 10 times. Prizes are: 11 Sets of Wealthy Mindset Blueprint audios (value $197 ea.) 11 Wealth Heiress books, personalized by Linda. 3 winners will have a 1/2 hour wealth mentoring session with Linda (value $500). Drawing will occur March 31, 2019 and will be announced on the podcast. Leave a review on Amazon here. Get my book, “You’re Already a Wealth Heiress, Now Think and Act Like One: 6 Practical Steps to Make It a Reality Now!” Available on Amazon. International buyers (if you live outside of the US) get my book here. WANT MORE FROM LINDA? Check out her programs. Join her on Instagram. Listen to the full library of podcasts from the beginning. Today’s Sponsor: I want to take a few seconds to tell you about how I “read” more books and stay ahead of the curve. It’s by not reading books, but instead listening to them - like you are right now! With Audible, there are over 150,000 titles to choose from for your iPhone, Android, Kindle or mp3 player and…your first audiobook is FREE! I suggest you get the audio book of Think and Grow Rich, or you can check out my website Resources page where I list all of my favorite financial books and you see exactly what books I have read and recommend you read. Then get started with Audible by visiting https://lindapjones.com/FreeBook and order your first audio book free! Get Think and Grow Rich or another book from my recommend list, and be sure to get started checking off the books you want to read with your free book from Audible! Be Wealthy & Smart,™ is a personal finance show with self-made millionaire Linda P. Jones, America’s Wealth Mentor.™ Learn simple steps that make a big difference to your financial freedom.       
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11 min
February 6, 2019
Best Performing US Stock and Foreign ETFs in 2019 - Part Two
Learn the best performing ETF's YTD in US Diversified Stocks, Foreign Stocks and ETFs with the largest assets. I discuss asset allocation models and give commentary to the charts so that you can find the optimum asset allocation in your portfolio. The charts are here.  INTERESTED IN THE VIP EXPERIENCE? In this monthly LIVE webinar with Linda, you’ll learn: Where you to invest right now to prepare to build wealth in the next bubble (that is quietly forming) Why billionaires are chomping at the bit to make their next fortunes, and you can too without having their money Why it doesn't take a lot of money or investment experience to attain financial freedom Where fortunes may be made in the next 5 years and how to make yours Linda’s teaching style is to take cutting-edge information and make it easy to understand and implement the concepts. She gives you all the details about where bubbles are forming, how to invest, and specifically what to buy (with ticker symbols). To find out where wealth building opportunities are and apply for a strategy session with Linda, click here. PLEASE SUBSCRIBE AND REVIEW THE SHOW If you enjoyed this episode, please subscribe and leave a review on whatever platform you listen. I love hearing from you! PLEASE COMPLETE THE PODCAST SURVEY In an effort to make the show the best it can be, I need to know who my audience is and what you think. Please take 3 minutes to complete the survey and let me know. WEALTH HEIRESS TV Please subscribe to Wealth Heiress TV YouTube channel (it's not just for women, it's for men too!), here. THE CONTEST IS BACK ON! You have a great chance to win 25 prizes! It's easy to enter. Just leave a podcast or book review. A podcast review = your name entered in the drawing 5 times. A book review on Amazon purchased on Amazon (says "verified purchase" review), your name entered 7 times. A podcast + book review = your name entered in the drawing 10 times. Prizes are: 11 Sets of Wealthy Mindset Blueprint audios (value $197 ea.) 11 Wealth Heiress books, personalized by Linda. 3 winners will have a 1/2 hour wealth mentoring session with Linda (value $500). Drawing will occur March 31, 2019 and will be announced on the podcast. Leave a review on Amazon here. Get my book, “You’re Already a Wealth Heiress, Now Think and Act Like One: 6 Practical Steps to Make It a Reality Now!” Available on Amazon. International buyers (if you live outside of the US) get my book here. WANT MORE FROM LINDA? Check out her programs. Join her on Instagram. Listen to the full library of podcasts from the beginning. Today’s Sponsor: I want to take a few seconds to tell you about how I “read” more books and stay ahead of the curve. It’s by not reading books, but instead listening to them - like you are right now! With Audible, there are over 150,000 titles to choose from for your iPhone, Android, Kindle or mp3 player and…your first audiobook is FREE! I suggest you get the audio book of Think and Grow Rich, or you can check out my website Resources page where I list all of my favorite financial books and you see exactly what books I have read and recommend you read. Then get started with Audible by visiting https://lindapjones.com/FreeBook and order your first audio book free! Get Think and Grow Rich or another book from my recommend list, and be sure to get started checking off the books you want to read with your free book from Audible! Be Wealthy & Smart,™ is a personal finance show with self-made millionaire Linda P. Jones, America’s Wealth Mentor.™ Learn simple steps that make a big difference to your financial freedom.       
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18 min
February 4, 2019
Top 10 Sector ETF's in 2019
Learn the top 10 Sector ETF's year-to-date in 2019. These are short-term numbers, but definitely are off to a strong start. You'll also be surprised which of our ETF's were #1 and #3 last week. I also go into analysis of the Cannabis stocks and why they are a favorite investing sector. I share a story about medical marijuana helping a child with epilepsy. The chart with the top 20 sector ETF’s year-to-date is here. INTERESTED IN THE VIP EXPERIENCE? In this monthly LIVE webinar with Linda, you’ll learn: Where you to invest right now to prepare to build wealth in the next bubble (that is quietly forming) Why billionaires are chomping at the bit to make their next fortunes, and you can too without having their money Why it doesn't take a lot of money or investment experience to attain financial freedom Where fortunes may be made in the next 5 years and how to make yours Linda’s teaching style is to take cutting-edge information and make it easy to understand and implement the concepts. She gives you all the details about where bubbles are forming, how to invest, and specifically what to buy (with ticker symbols). To find out where wealth building opportunities are and apply for a strategy session with Linda, click here. PLEASE SUBSCRIBE AND REVIEW THE SHOW If you enjoyed this episode, please subscribe and leave a review on whatever platform you listen. I love hearing from you! PLEASE COMPLETE THE PODCAST SURVEY In an effort to make the show the best it can be, I need to know who my audience is and what you think. Please take 3 minutes to complete the survey and let me know. WEALTH HEIRESS TV Please subscribe to Wealth Heiress TV YouTube channel (it's not just for women, it's for men too!), here. THE CONTEST IS BACK ON! You have a great chance to win 25 prizes! It's easy to enter. Just leave a podcast or book review. A podcast review = your name entered in the drawing 5 times. A book review on Amazon purchased on Amazon (says "verified purchase" review), your name entered 7 times. A podcast + book review = your name entered in the drawing 10 times. Prizes are: 11 Sets of Wealthy Mindset Blueprint audios (value $197 ea.) 11 Wealth Heiress books, personalized by Linda. 3 winners will have a 1/2 hour wealth mentoring session with Linda (value $500). Drawing will occur March 31, 2019 and will be announced on the podcast. Leave a review on Amazon here. Get my book, “You’re Already a Wealth Heiress, Now Think and Act Like One: 6 Practical Steps to Make It a Reality Now!” Available on Amazon. International buyers (if you live outside of the US) get my book here. WANT MORE FROM LINDA? Check out her programs. Join her on Instagram. Listen to the full library of podcasts from the beginning. Today’s Sponsor: I want to take a few seconds to tell you about how I “read” more books and stay ahead of the curve. It’s by not reading books, but instead listening to them - like you are right now! With Audible, there are over 150,000 titles to choose from for your iPhone, Android, Kindle or mp3 player and…your first audiobook is FREE! I suggest you get the audio book of Think and Grow Rich, or you can check out my website Resources page where I list all of my favorite financial books and you see exactly what books I have read and recommend you read. Then get started with Audible by visiting https://lindapjones.com/FreeBook and order your first audio book free! Get Think and Grow Rich or another book from my recommend list, and be sure to get started checking off the books you want to read with your free book from Audible! Be Wealthy & Smart,™ is a personal finance show with self-made millionaire Linda P. Jones, America’s Wealth Mentor.™ Learn simple steps that make a big difference to your financial freedom.       
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21 min
February 1, 2019
Real Estate Trends and Millennial Challenges
Learn about real estate trends and Millennial challenges with author Ilyce Glink. We discuss long-term affordability trends in real estate, how to get creative buying homes and suggestions for first time buyers.  INTERESTED IN THE VIP EXPERIENCE? In this monthly LIVE webinar with Linda, you’ll learn: Where you to invest right now to prepare to build wealth in the next bubble (that is quietly forming) Why billionaires are chomping at the bit to make their next fortunes, and you can too without having their money Why it doesn't take a lot of money or investment experience to attain financial freedom Where fortunes may be made in the next 5 years and how to make yours Linda’s teaching style is to take cutting-edge information and make it easy to understand and implement the concepts. She gives you all the details about where bubbles are forming, how to invest, and specifically what to buy (with ticker symbols). To find out where wealth building opportunities are and apply for a strategy session with Linda, click here. PLEASE SUBSCRIBE AND REVIEW THE SHOW If you enjoyed this episode, please subscribe and leave a review on whatever platform you listen. I love hearing from you! PLEASE COMPLETE THE PODCAST SURVEY In an effort to make the show the best it can be, I need to know who my audience is and what you think. Please take 3 minutes to complete the survey and let me know. WEALTH HEIRESS TV Please subscribe to Wealth Heiress TV YouTube channel (it's not just for women, it's for men too!), here. THE CONTEST IS BACK ON! You have a great chance to win 25 prizes! It's easy to enter. Just leave a podcast or book review. A podcast review = your name entered in the drawing 5 times. A book review on Amazon purchased on Amazon (says "verified purchase" review), your name entered 7 times. A podcast + book review = your name entered in the drawing 10 times. Prizes are: 11 Sets of Wealthy Mindset Blueprint audios (value $197 ea.) 11 Wealth Heiress books, personalized by Linda. 3 winners will have a 1/2 hour wealth mentoring session with Linda (value $500). Drawing will occur March 31, 2019 and will be announced on the podcast. Leave a review on Amazon here. Get my book, “You’re Already a Wealth Heiress, Now Think and Act Like One: 6 Practical Steps to Make It a Reality Now!” Available on Amazon. International buyers (if you live outside of the US) get my book here. WANT MORE FROM LINDA? Check out her programs. Join her on Instagram. Listen to the full library of podcasts from the beginning. Today’s Sponsor: I want to take a few seconds to tell you about how I “read” more books and stay ahead of the curve. It’s by not reading books, but instead listening to them - like you are right now! With Audible, there are over 150,000 titles to choose from for your iPhone, Android, Kindle or mp3 player and…your first audiobook is FREE! I suggest you get the audio book of Think and Grow Rich, or you can check out my website Resources page where I list all of my favorite financial books and you see exactly what books I have read and recommend you read. Then get started with Audible by visiting https://lindapjones.com/FreeBook and order your first audio book free! Get Think and Grow Rich or another book from my recommend list, and be sure to get started checking off the books you want to read with your free book from Audible! Be Wealthy & Smart,™ is a personal finance show with self-made millionaire Linda P. Jones, America’s Wealth Mentor.™ Learn simple steps that make a big difference to your financial freedom.       
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19 min
January 30, 2019
Millionaire Entrepreneurs' Wealth Building Success
  Learn why the age of millionaires is younger today than ever before. Entrepreneurship is an important reason for their early financial success. The fact that the average millionaire is getting younger is proof that it's easier than ever to create wealth. I believe the internet plays an important role in that. The article is here.  INTERESTED IN THE VIP EXPERIENCE? In this monthly LIVE webinar with Linda, you’ll learn: Where you to invest right now to prepare to build wealth in the next bubble (that is quietly forming) Why billionaires are chomping at the bit to make their next fortunes, and you can too without having their money Why it doesn't take a lot of money or investment experience to attain financial freedom Where fortunes may be made in the next 5 years and how to make yours Linda’s teaching style is to take cutting-edge information and make it easy to understand and implement the concepts. She gives you all the details about where bubbles are forming, how to invest, and specifically what to buy (with ticker symbols). To find out where wealth building opportunities are and apply for a strategy session with Linda, click here. PLEASE SUBSCRIBE AND REVIEW THE SHOW If you enjoyed this episode, please subscribe and leave a review on whatever platform you listen. I love hearing from you! PLEASE COMPLETE THE PODCAST SURVEY In an effort to make the show the best it can be, I need to know who my audience is and what you think. Please take 3 minutes to complete the survey and let me know. WEALTH HEIRESS TV Please subscribe to Wealth Heiress TV YouTube channel (it's not just for women, it's for men too!), here. THE CONTEST IS BACK ON! You have a great chance to win 25 prizes! It's easy to enter. Just leave a podcast or book review. A podcast review = your name entered in the drawing 5 times. A book review on Amazon purchased on Amazon (says "verified purchase" review), your name entered 7 times. A podcast + book review = your name entered in the drawing 10 times. Prizes are: 11 Sets of Wealthy Mindset Blueprint audios (value $197 ea.) 11 Wealth Heiress books, personalized by Linda. 3 winners will have a 1/2 hour wealth mentoring session with Linda (value $500). Drawing will occur March 31, 2019 and will be announced on the podcast. Leave a review on Amazon here. Get my book, “You’re Already a Wealth Heiress, Now Think and Act Like One: 6 Practical Steps to Make It a Reality Now!” Available on Amazon. International buyers (if you live outside of the US) get my book here. WANT MORE FROM LINDA? Check out her programs. Join her on Instagram. Listen to the full library of podcasts from the beginning. Today’s Sponsor: I want to take a few seconds to tell you about how I “read” more books and stay ahead of the curve. It’s by not reading books, but instead listening to them - like you are right now! With Audible, there are over 150,000 titles to choose from for your iPhone, Android, Kindle or mp3 player and…your first audiobook is FREE! I suggest you get the audio book of Think and Grow Rich, or you can check out my website Resources page where I list all of my favorite financial books and you see exactly what books I have read and recommend you read. Then get started with Audible by visiting https://lindapjones.com/FreeBook and order your first audio book free! Get Think and Grow Rich or another book from my recommend list, and be sure to get started checking off the books you want to read with your free book from Audible! Be Wealthy & Smart,™ is a personal finance show with self-made millionaire Linda P. Jones, America’s Wealth Mentor.™ Learn simple steps that make a big difference to your financial freedom.       
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20 min
January 28, 2019
You Are an Awesome Audience + Why ETF's
Learn your survey results, who's listening to the podcast and what you asked for. You are amazing! Thank you for completing the survey and letting me know what you like and what you'd like more of.  I also share with you my comments about ETF's and why I prefer them over individual stocks for our listeners. If you haven't completed the survey, please complete it below in the survey section.  INTERESTED IN THE VIP EXPERIENCE? In this monthly LIVE webinar with Linda, you’ll learn: Where you to invest right now to prepare to build wealth in the next bubble (that is quietly forming) Why billionaires are chomping at the bit to make their next fortunes, and you can too without having their money Why it doesn't take a lot of money or investment experience to attain financial freedom Where fortunes may be made in the next 5 years and how to make yours Linda’s teaching style is to take cutting-edge information and make it easy to understand and implement the concepts. She gives you all the details about where bubbles are forming, how to invest, and specifically what to buy (with ticker symbols). To find out where wealth building opportunities are and apply for a strategy session with Linda, click here. PLEASE SUBSCRIBE AND REVIEW THE SHOW If you enjoyed this episode, please subscribe and leave a review on whatever platform you listen. I love hearing from you! PLEASE COMPLETE THE PODCAST SURVEY In an effort to make the show the best it can be, I need to know who my audience is and what you think. Please take 3 minutes to complete the survey and let me know. WEALTH HEIRESS TV Please subscribe to Wealth Heiress TV YouTube channel (it's not just for women, it's for men too!), here. THE CONTEST IS BACK ON! You have a great chance to win 25 prizes! It's easy to enter. Just leave a podcast or book review. A podcast review = your name entered in the drawing 5 times. A book review on Amazon purchased on Amazon (says "verified purchase" review), your name entered 7 times. A podcast + book review = your name entered in the drawing 10 times. Prizes are: 11 Sets of Wealthy Mindset Blueprint audios (value $197 ea.) 11 Wealth Heiress books, personalized by Linda. 3 winners will have a 1/2 hour wealth mentoring session with Linda (value $500). Drawing will occur March 31, 2019 and will be announced on the podcast. Leave a review on Amazon here. Get my book, “You’re Already a Wealth Heiress, Now Think and Act Like One: 6 Practical Steps to Make It a Reality Now!” Available on Amazon. International buyers (if you live outside of the US) get my book here. WANT MORE FROM LINDA? Check out her programs. Join her on Instagram. Listen to the full library of podcasts from the beginning. Today’s Sponsor: I want to take a few seconds to tell you about how I “read” more books and stay ahead of the curve. It’s by not reading books, but instead listening to them - like you are right now! With Audible, there are over 150,000 titles to choose from for your iPhone, Android, Kindle or mp3 player and…your first audiobook is FREE! I suggest you get the audio book of Think and Grow Rich, or you can check out my website Resources page where I list all of my favorite financial books and you see exactly what books I have read and recommend you read. Then get started with Audible by visiting https://lindapjones.com/FreeBook and order your first audio book free! Get Think and Grow Rich or another book from my recommend list, and be sure to get started checking off the books you want to read with your free book from Audible! Be Wealthy & Smart,™ is a personal finance show with self-made millionaire Linda P. Jones, America’s Wealth Mentor.™ Learn simple steps that make a big difference to your financial freedom.     
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19 min
January 25, 2019
Is Buying a Home Short-Term (2 - 3 years) A Good Thing to Do?
Learn how to think through the decision of whether to buy a house and how you can make it work for your lifestyle. On this episode I answer a listener question about buying a home. Thanks Becca! Hi Linda! I’ve been listening to your podcasts and learning a lot (also just got the book). Thanks for sharing your tips and insight. One question I had for you - should single millennials seriously consider buying a home?  I am 30 years old, active duty, and single. I want to buy a home as primary residence (have been renting last 2 years) and possibly start an airbnb but am fearful that i would have to sell more quickly than I’d like if i got stationed somewhere else/moved to another city/get married. Any strategies that you can provide to think through this situation? Thanks, -Becca from DC   INTERESTED IN THE VIP EXPERIENCE? In this monthly LIVE webinar with Linda, you’ll learn: Where you to invest right now to prepare to build wealth in the next bubble (that is quietly forming) Why billionaires are chomping at the bit to make their next fortunes, and you can too without having their money Why it doesn't take a lot of money or investment experience to attain financial freedom Where fortunes may be made in the next 5 years and how to make yours Linda’s teaching style is to take cutting-edge information and make it easy to understand and implement the concepts. She gives you all the details about where bubbles are forming, how to invest, and specifically what to buy (with ticker symbols). To find out where wealth building opportunities are and apply for a strategy session with Linda, click here. PLEASE SUBSCRIBE AND REVIEW THE SHOW If you enjoyed this episode, please subscribe and leave a review on whatever platform you listen. I love hearing from you! PLEASE COMPLETE THE PODCAST SURVEY In an effort to make the show the best it can be, I need to know who my audience is and what you think. Please take 3 minutes to complete the survey and let me know. WEALTH HEIRESS TV Please subscribe to Wealth Heiress TV YouTube channel (it's not just for women, it's for men too!), here. THE CONTEST IS BACK ON! You have a great chance to win 25 prizes! It's easy to enter. Just leave a podcast or book review. A podcast review = your name entered in the drawing 5 times. A book review on Amazon purchased on Amazon (says "verified purchase" review), your name entered 7 times. A podcast + book review = your name entered in the drawing 10 times. Prizes are: 11 Sets of Wealthy Mindset Blueprint audios (value $197 ea.) 11 Wealth Heiress books, personalized by Linda. 3 winners will have a 1/2 hour wealth mentoring session with Linda (value $500). Drawing will occur March 31, 2019 and will be announced on the podcast. Leave a review on Amazon here. Get my book, “You’re Already a Wealth Heiress, Now Think and Act Like One: 6 Practical Steps to Make It a Reality Now!” Available on Amazon. International buyers (if you live outside of the US) get my book here. WANT MORE FROM LINDA? Check out her programs. Join her on Instagram. Listen to the full library of podcasts from the beginning. Today’s Sponsor: I want to take a few seconds to tell you about how I “read” more books and stay ahead of the curve. It’s by not reading books, but instead listening to them - like you are right now! With Audible, there are over 150,000 titles to choose from for your iPhone, Android, Kindle or mp3 player and…your first audiobook is FREE! I suggest you get the audio book of Think and Grow Rich, or you can check out my website Resources page where I list all of my favorite financial books and you see exactly what books I have read and recommend you read. Then get started with Audible by visiting https://lindapjones.com/FreeBook and order your first audio book free! Get Think and Grow Rich or another book from my recommend list, and be sure to get started checking off the books you want to read with your free book from Audible! Be Wealthy & Smart,™ is a personal finance show with self-made millionaire Linda P. Jones, America’s Wealth Mentor.™ Learn simple steps that make a big difference to your financial freedom.     
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18 min
January 23, 2019
Why Real Estate Sales Are Slowing
Learn why real estate sales slowed in the fourth quarter of 2018. Fewer homes sold in December. It was the slowest amount of home sales since 2015. In this podcast we delve into what is causing the slow down and if it will continue. The article is here.  ARE YOU INTERESTED IN BECOMING A BETTER INVESTOR? The Be Wealthy & Smart VIP Experience is investment wealth mentoring with Linda and an exclusive VIP investing group. She provides monthly webinars covering stock market movements and trends, showing you what the market is doing so you can have peace of mind and a better understanding of what's happening and why. She also selects a handful financial articles for you to see weekly, drastically narrowing the time you spend being informed. Linda shows you how to become a better investor, what to pay attention to and what to ignore. She covers the latest trends and cycles in the stock and real estate markets. You get her favorite ETF recommendations, how to create a proper asset allocation and how to structure your portfolio. If you're on Facebook, you'll enjoy the banter with the other members in the private VIP group as well. If you want to learn more about the VIP Experience, please click here to apply for an appointment with Linda. PLEASE SUBSCRIBE AND REVIEW THE SHOW If you enjoyed this episode, please subscribe and leave a review on whatever platform you listen. I love hearing from you! PLEASE COMPLETE THE PODCAST SURVEY In an effort to make the show the best it can be, I need to know who my audience is and what you think. Please take 3 minutes to complete the survey and let me know. WEALTH HEIRESS TV Please subscribe to Wealth Heiress TV YouTube channel (it's not just for women, it's for men too!), here. THE CONTEST IS BACK ON! You have a great chance to win 25 prizes! It's easy to enter. Just leave a podcast or book review. A podcast review = your name entered in the drawing 5 times. A book review on Amazon purchased on Amazon (says "verified purchase" review), your name entered 7 times. A podcast + book review = your name entered in the drawing 10 times. Prizes are: 11 Sets of Wealthy Mindset Blueprint audios (value $197 ea.) 11 Wealth Heiress books, personalized by Linda. 3 winners will have a 1/2 hour wealth mentoring session with Linda (value $500). Drawing will occur March 31, 2019 and will be announced on the podcast. Leave a review on Amazon here. Get my book, “You’re Already a Wealth Heiress, Now Think and Act Like One: 6 Practical Steps to Make It a Reality Now!” Available on Amazon. International buyers (if you live outside of the US) get my book here. WANT MORE FROM LINDA? Check out her programs. Join her on Instagram. Listen to the full library of podcasts from the beginning. Today’s Sponsor: I want to take a few seconds to tell you about how I “read” more books and stay ahead of the curve. It’s by not reading books, but instead listening to them - like you are right now! With Audible, there are over 150,000 titles to choose from for your iPhone, Android, Kindle or mp3 player and…your first audiobook is FREE! I suggest you get the audio book of Think and Grow Rich, or you can check out my website Resources page where I list all of my favorite financial books and you see exactly what books I have read and recommend you read. Then get started with Audible by visiting https://lindapjones.com/FreeBook and order your first audio book free! Get Think and Grow Rich or another book from my recommend list, and be sure to get started checking off the books you want to read with your free book from Audible! Be Wealthy & Smart,™ is a personal finance show with self-made millionaire Linda P. Jones, America’s Wealth Mentor.™ Learn simple steps that make a big difference to your financial freedom.     
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15 min
January 21, 2019
Why Invest in Cannabis?
  Learn why investing in Cannabis is an exciting investment opportunity. Understand the benefits of Cannabis, medical marijuana, and CBD oil versus opioids and other drugs. ARE YOU INTERESTED IN BECOMING A BETTER INVESTOR? The Be Wealthy & Smart VIP Experience is investment wealth mentoring in a private VIP investing group with monthly webinars where I cover market movements and trends, select financial articles that are important, review stock market investing principles and charts. It shows you how to become a better investor, what to pay attention to and what to ignore. I cover the latest trends in the stock and real estate markets. You get my favorite ETF recommendations, and I also review proper asset allocation and how to structure your portfolio (I do not give stock tips, although certain popular stocks are discussed, such as the FANG stocks). If you're on Facebook, you'll enjoy the banter in the private VIP group as well. If you want to learn more about the VIP Experience, please email me at lpjhome@gmail(dotcom) for details and a special price for a limited time. PLEASE SUBSCRIBE AND REVIEW THE SHOW If you enjoyed this episode, please subscribe and leave a review on whatever platform you listen. I love hearing from you! PLEASE COMPLETE THE PODCAST SURVEY In an effort to make the show the best it can be, I need to know who my audience is and what you think. Please take 3 minutes to complete the survey and let me know. WEALTH HEIRESS TV Please subscribe to Wealth Heiress TV YouTube channel (it's not just for women, it's for men too!), here. THE CONTEST IS BACK ON! You have a great chance to win 25 prizes! It's easy to enter. Just leave a podcast or book review. A podcast review = your name entered in the drawing 5 times. A book review on Amazon purchased on Amazon (says "verified purchase" review), your name entered 7 times. A podcast + book review = your name entered in the drawing 10 times. Prizes are: 11 Sets of Wealthy Mindset Blueprint audios (value $197 ea.) 11 Wealth Heiress books, personalized by Linda. 3 winners will have a 1/2 hour wealth mentoring session with Linda (value $500). Drawing will occur March 31, 2019 and will be announced on the podcast. Leave a review on Amazon here. Get my book, “You’re Already a Wealth Heiress, Now Think and Act Like One: 6 Practical Steps to Make It a Reality Now!” Available on Amazon. International buyers (if you live outside of the US) get my book here. WANT MORE FROM LINDA? Check out her programs. Join her on Instagram. Listen to the full library of podcasts from the beginning. Today’s Sponsor: I want to take a few seconds to tell you about how I “read” more books and stay ahead of the curve. It’s by not reading books, but instead listening to them - like you are right now! With Audible, there are over 150,000 titles to choose from for your iPhone, Android, Kindle or mp3 player and…your first audiobook is FREE! I suggest you get the audio book of Think and Grow Rich, or you can check out my website Resources page where I list all of my favorite financial books and you see exactly what books I have read and recommend you read. Then get started with Audible by visiting https://lindapjones.com/FreeBook and order your first audio book free! Get Think and Grow Rich or another book from my recommend list, and be sure to go to https://lindapjones.com/FreeBook to get started checking off the books you want to read with your free book from Audible! Be Wealthy & Smart,™ is a personal finance show with self-made millionaire Linda P. Jones, America’s Wealth Mentor.™ Learn simple steps that make a big difference to your financial freedom.     
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21 min
January 18, 2019
Cannabis as a Growth Sector and My Favorite ETF
Learn about the Cannabis sector and why it is outperforming the S & P 500. Cannabis is a fast growing sector. Learn my favorite ETF, which is up 22% vs. the S & P 500 which is up 5% YTD. The link to the article is here. ARE YOU INTERESTED IN BECOMING A BETTER INVESTOR? The Be Wealthy & Smart VIP Experience is investment wealth mentoring in a private VIP investing group with monthly webinars where I cover market movements and trends, select financial articles that are important, review stock market investing principles and charts. It shows you how to become a better investor, what to pay attention to and what to ignore. I cover the latest trends in the stock and real estate markets. You get my favorite ETF recommendations, and I also review proper asset allocation and how to structure your portfolio (I do not give stock tips, although certain popular stocks are discussed, such as the FANG stocks). If you're on Facebook, you'll enjoy the banter in the private VIP group as well. If you want to learn more about the VIP Experience, please email me at lpjhome@gmail(dotcom) for details and a special price for a limited time. PLEASE SUBSCRIBE AND REVIEW THE SHOW If you enjoyed this episode, please subscribe and leave a review on whatever platform you listen. I love hearing from you! PLEASE COMPLETE THE PODCAST SURVEY In an effort to make the show the best it can be, I need to know who my audience is and what you think. Please take 3 minutes to complete the survey and let me know. WEALTH HEIRESS TV Please subscribe to Wealth Heiress TV YouTube channel (it's not just for women, it's for men too!), here. Leave a review on Amazon here. Get my book, “You’re Already a Wealth Heiress, Now Think and Act Like One: 6 Practical Steps to Make It a Reality Now!” Available on Amazon. International buyers (if you live outside of the US) get my book here. WANT MORE FROM LINDA? Check out her programs. Join her on Instagram. Listen to the full library of podcasts from the beginning. Today’s Sponsor: I want to take a few seconds to tell you about how I “read” more books and stay ahead of the curve. It’s by not reading books, but instead listening to them - like you are right now! With Audible, there are over 150,000 titles to choose from for your iPhone, Android, Kindle or mp3 player and…your first audiobook is FREE! I suggest you get the audio book of Think and Grow Rich, or you can check out my website Resources page where I list all of my favorite financial books and you see exactly what books I have read and recommend you read. Then get started with Audible by visiting https://lindapjones.com/FreeBook and order your first audio book free! Get Think and Grow Rich or another book from my recommend list, and be sure to go to https://lindapjones.com/FreeBook to get started checking off the books you want to read with your free book from Audible! Be Wealthy & Smart,™ is a personal finance show with self-made millionaire Linda P. Jones, America’s Wealth Mentor.™ Learn simple steps that make a big difference to your financial freedom.     
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16 min
January 16, 2019
Encouragement to Reach Your Financial Goals
Learn from other listeners who are taking action and reaching their financial goals. I was blown away by comments from listeners who are taking action and exceeding their goals. You will feel encouraged that you can make big leaps and achieve great things. This episode will give you confidence! ARE YOU INTERESTED IN BECOMING A BETTER INVESTOR? The Be Wealthy & Smart VIP Experience is investment wealth mentoring in a private VIP investing group with monthly webinars where I cover market movements and trends, select financial articles that are important, review stock market investing principles and charts. It shows you how to become a better investor, what to pay attention to and what to ignore. I cover the latest trends in the stock and real estate markets. You get my favorite ETF recommendations, and I also review proper asset allocation and how to structure your portfolio (I do not give stock tips, although certain popular stocks are discussed, such as the FANG stocks). If you're on Facebook, you'll enjoy the banter in the private VIP group as well. If you want to learn more about the VIP Experience, please email me at lpjhome@gmail(dotcom) for details and a special price for a limited time. PLEASE SUBSCRIBE AND REVIEW THE SHOW If you enjoyed this episode, please subscribe and leave a review on whatever platform you listen. I love hearing from you! PLEASE COMPLETE THE PODCAST SURVEY In an effort to make the show the best it can be, I need to know who my audience is and what you think. Please take 3 minutes to complete the survey and let me know. WEALTH HEIRESS TV Please subscribe to Wealth Heiress TV YouTube channel (it's not just for women, it's for men too!), here. Leave a review on Amazon here. Get my book, “You’re Already a Wealth Heiress, Now Think and Act Like One: 6 Practical Steps to Make It a Reality Now!” Available on Amazon. International buyers (if you live outside of the US) get my book here. WANT MORE FROM LINDA? Check out her programs. Join her on Instagram. Listen to the full library of podcasts from the beginning. 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! Be Wealthy & Smart,™ is a personal finance show with self-made millionaire Linda P. Jones, America’s Wealth Mentor.™ Learn simple steps that make a big difference to your financial freedom.     
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17 min
January 14, 2019
13 Top Performing Sector ETFs for 4Q and 3 Years
Learn what the 13 top performing sector ETFs were for the 4th quarter of 2018. Is it possible to find good performance when the S & P 500 was down 20%? Yes, but it's not where you might expect.  Find out what sector ETFs were up more than 10% while the stock market corrected. Link to chart is here.  ARE YOU INTERESTED IN BECOMING A BETTER INVESTOR? The Be Wealthy & Smart VIP Experience is investment wealth mentoring in a private VIP investing group with monthly webinars where I cover market movements and trends, select financial articles that are important, review stock market investing principles and charts. It shows you how to become a better investor, what to pay attention to and what to ignore. I cover the latest trends in the stock and real estate markets. You get my favorite ETF recommendations, and I also review proper asset allocation and how to structure your portfolio (I do not give stock tips, although certain popular stocks are discussed, such as the FANG stocks). If you're on Facebook, you'll enjoy the banter in the private VIP group as well. If you want to learn more about the VIP Experience, please email me at lpjhome@gmail(dotcom) for details and a special price for a limited time. PLEASE SUBSCRIBE AND REVIEW THE SHOW If you enjoyed this episode, please subscribe and leave a review on whatever platform you listen. I love hearing from you! PLEASE COMPLETE THE PODCAST SURVEY In an effort to make the show the best it can be, I need to know who my audience is and what you think. Please take 3 minutes to complete the survey and let me know. WEALTH HEIRESS TV Please subscribe to Wealth Heiress TV YouTube channel (it's not just for women, it's for men too!), here. Leave a review on Amazon here. Get my book, “You’re Already a Wealth Heiress, Now Think and Act Like One: 6 Practical Steps to Make It a Reality Now!” Available on Amazon. International buyers (if you live outside of the US) get my book here. WANT MORE FROM LINDA? Check out her programs. Join her on Instagram. Listen to the full library of podcasts from the beginning. 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! Be Wealthy & Smart,™ is a personal finance show with self-made millionaire Linda P. Jones, America’s Wealth Mentor.™ Learn simple steps that make a big difference to your financial freedom.     
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12 min
January 12, 2019
Below Deck Experience on Bravo TV
Learn about my Below Deck experience on Bravo TV. My friends and I chartered a yacht in Tahiti and appeared on Below Deck, Season 6. The link to the blog with photos of cast/crew and yacht is here.  This is about a private yacht charter in Tahiti and is not a financial podcast, so if you're looking for financial advice, click on the next podcast! ARE YOU INTERESTED IN BECOMING A BETTER INVESTOR? The Be Wealthy & Smart VIP Experience is investment wealth mentoring in a private VIP investing group with monthly webinars where I cover market movements and trends, select financial articles that are important, review stock market investing principles and charts. It shows you how to become a better investor, what to pay attention to and what to ignore. I cover the latest trends in the stock and real estate markets. You get my favorite ETF recommendations, and I also review proper asset allocation and how to structure your portfolio (I do not give stock tips, although certain popular stocks are discussed, such as the FANG stocks). If you're on Facebook, you'll enjoy the banter in the private VIP group as well. If you want to learn more about the VIP Experience, please email me at lpjhome@gmail(dotcom) for details and a special price for a limited time. PLEASE SUBSCRIBE AND REVIEW THE SHOW If you enjoyed this episode, please subscribe and leave a review on whatever platform you listen. I love hearing from you! PLEASE COMPLETE THE PODCAST SURVEY In an effort to make the show the best it can be, I need to know who my audience is and what you think. Please take 3 minutes to complete the survey and let me know. WEALTH HEIRESS TV Please subscribe to Wealth Heiress TV YouTube channel (it's not just for women, it's for men too!), here. Leave a review on Amazon here. Get my book, “You’re Already a Wealth Heiress, Now Think and Act Like One: 6 Practical Steps to Make It a Reality Now!” Available on Amazon. International buyers (if you live outside of the US) get my book here. WANT MORE FROM LINDA? Check out her programs. Join her on Instagram. Listen to the full library of podcasts from the beginning. 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! Be Wealthy & Smart,™ is a personal finance show with self-made millionaire Linda P. Jones, America’s Wealth Mentor.™ Learn how to build wealth, make money, and have financial freedom. Introduction to principles of wealth building you won’t hear about from your financial advisor. Learn how to get rich, the 6 Steps to Wealth, the Twin Pillars of Wealth Building™: Invest Like Billionaires™ and Create Your Luxury Brand™ Business.      
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16 min
January 11, 2019
Stock Market Cycles and the Presidential Election Cycle
Learn how stock market cycles can help us invest better and what the third year of the Presidential Election Cycle means. We are entering the third year of a Presidential Election Cycle. It is usually the best performing year of all four years.  See the article and Presidential Election Cycle chart here. ARE YOU INTERESTED IN BECOMING A BETTER INVESTOR? The Be Wealthy & Smart VIP Experience is investment wealth mentoring in a private VIP investing group with monthly webinars where I cover market movements and trends, select financial articles that are important, review stock market investing principles and charts. It shows you how to become a better investor, what to pay attention to and what to ignore. I cover the latest trends in the stock and real estate markets. You get my favorite ETF recommendations, and I also review proper asset allocation and how to structure your portfolio (I do not give stock tips, although certain popular stocks are discussed, such as the FANG stocks). If you're on Facebook, you'll enjoy the banter in the private VIP group as well. If you want to learn more about the VIP Experience, please email me at lpjhome@gmail(dotcom) for details and a special price for a limited time. PLEASE SUBSCRIBE AND REVIEW THE SHOW If you enjoyed this episode, please subscribe and leave a review on whatever platform you listen. I love hearing from you! PLEASE COMPLETE THE PODCAST SURVEY In an effort to make the show the best it can be, I need to know who my audience is and what you think. Please take 3 minutes to complete the survey and let me know. WEALTH HEIRESS TV Please subscribe to Wealth Heiress TV YouTube channel (it's not just for women, it's for men too!), here. Leave a review on Amazon here. Get my book, “You’re Already a Wealth Heiress, Now Think and Act Like One: 6 Practical Steps to Make It a Reality Now!” Available on Amazon. International buyers (if you live outside of the US) get my book here. WANT MORE FROM LINDA? Check out her programs. Join her on Instagram. Listen to the full library of podcasts from the beginning. 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! Be Wealthy & Smart,™ is a personal finance show with self-made millionaire Linda P. Jones, America’s Wealth Mentor.™ Learn how to build wealth, make money, and have financial freedom. Introduction to principles of wealth building you won’t hear about from your financial advisor. Learn how to get rich, the 6 Steps to Wealth, the Twin Pillars of Wealth Building™: Invest Like Billionaires™ and Create Your Luxury Brand™ Business.      
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12 min
January 10, 2019
Are We Exiting the Bear Market?
Learn what caused the stock market drop and the signs are that the bear market might be over soon. The article is here. ARE YOU INTERESTED IN BECOMING A BETTER INVESTOR? If you are interested in becoming a better investor, working more closely with Linda and finding out more about the Be Wealthy & Smart VIP Experience, please email me at lpjhome@gmail(dotcom) for details and a special price for a limited time. PLEASE SUBSCRIBE AND REVIEW THE SHOW If you enjoyed this episode, please subscribe and leave a review on whatever platform you listen. I love hearing from you! PLEASE COMPLETE THE PODCAST SURVEY In an effort to make the show the best it can be, I need to know who my audience is and what you think. Please take 3 minutes to complete the survey and let me know. WEALTH HEIRESS TV Please subscribe to Wealth Heiress TV YouTube channel (it's not just for women, it's for men too!), here. Leave a review on Amazon here. Get my book, “You’re Already a Wealth Heiress, Now Think and Act Like One: 6 Practical Steps to Make It a Reality Now!” Available on Amazon. International buyers (if you live outside of the US) get my book here. WANT MORE FROM LINDA? Check out her programs. Join her on Instagram. Listen to the full library of podcasts from the beginning. 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! Be Wealthy & Smart,™ is a personal finance show with self-made millionaire Linda P. Jones, America’s Wealth Mentor.™ Learn how to build wealth, make money, and have financial freedom. Introduction to principles of wealth building you won’t hear about from your financial advisor. Learn how to get rich, the 6 Steps to Wealth, the Twin Pillars of Wealth Building™: Invest Like Billionaires™ and Create Your Luxury Brand™ Business.      
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14 min
January 7, 2019
How to Save Tens of Thousands of Dollars - Part 4
Learn the two ways to pay down your mortgage early and the one method I don't recommend. There are 3 methods that can pay down your debt, but only two I recommend.  The calculator is here. ARE YOU INTERESTED IN BECOMING A BETTER INVESTOR? If you are interested in becoming a better investor, working more closely with Linda and finding out more about the Be Wealthy & Smart VIP Experience, please email me at lpjhome@gmail(dotcom) for details and a special price for a limited time. PLEASE SUBSCRIBE AND REVIEW THE SHOW If you enjoyed this episode, please subscribe and leave a review on whatever platform you listen. I love hearing from you! PLEASE COMPLETE THE PODCAST SURVEY In an effort to make the show the best it can be, I need to know who my audience is and what you think. Please take 3 minutes to complete the survey and let me know. WEALTH HEIRESS TV Please subscribe to Wealth Heiress TV YouTube channel (it's not just for women, it's for men too!), here. Leave a review on Amazon here. Get my book, “You’re Already a Wealth Heiress, Now Think and Act Like One: 6 Practical Steps to Make It a Reality Now!” Available on Amazon. International buyers (if you live outside of the US) get my book here. WANT MORE FROM LINDA? Check out her programs. Join her on Instagram. Listen to the full library of podcasts from the beginning. 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! Be Wealthy & Smart,™ is a personal finance show with self-made millionaire Linda P. Jones, America’s Wealth Mentor.™ Learn how to build wealth, make money, and have financial freedom. Introduction to principles of wealth building you won’t hear about from your financial advisor. Learn how to get rich, the 6 Steps to Wealth, the Twin Pillars of Wealth Building™: Invest Like Billionaires™ and Create Your Luxury Brand™ Business.      
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16 min
January 4, 2019
Stock Market Volatility Update
Learn why the market is so volatile, what's causing it and where we go from here. Stock market volatility is never fun, but it helps a lot to understand why it's happening. I show you the signs that tipped off the VIP Experience group that a correction was coming.  When you know what to look for, you aren't blindsided by volatility. ARE YOU INTERESTED IN BECOMING A BETTER INVESTOR? If you are interested in becoming a better investor, working more closely with Linda and finding out more about the Be Wealthy & Smart VIP Experience, please email me at lpjhome@gmail(dotcom) for details and a special price for a limited time. PLEASE SUBSCRIBE AND REVIEW THE SHOW If you enjoyed this episode, please subscribe and leave a review on whatever platform you listen. I love hearing from you! WEALTH HEIRESS TV Please subscribe to Wealth Heiress TV YouTube channel (it's not just for women, it's for men too!), here. Leave a review on Amazon here. Get my book, “You’re Already a Wealth Heiress, Now Think and Act Like One: 6 Practical Steps to Make It a Reality Now!” Available on Amazon. International buyers (if you live outside of the US) get my book here. WANT MORE FROM LINDA? Check out her programs. Join her on Instagram. Listen to the full library of podcasts from the beginning. 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! Be Wealthy & Smart,™ is a personal finance show with self-made millionaire Linda P. Jones, America’s Wealth Mentor.™ Learn how to build wealth, make money, and have financial freedom. Introduction to principles of wealth building you won’t hear about from your financial advisor. Learn how to get rich, the 6 Steps to Wealth, the Twin Pillars of Wealth Building™: Invest Like Billionaires™ and Create Your Luxury Brand™ Business.      
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12 min
January 3, 2019
How to Save Tens of Thousands of Dollars - Part 3
Learn how to save tens of thousands of dollars by buying cars less frequently.  Next to purchasing a home, your biggest expense is usually buying a car.  My tip is to own your cars longer. If you buy a brand new $40,000 car every 5 years, in 5 years you've lost 60% of the value in depreciation, not including the interest you're paying on a loan. That's a guaranteed loss of $24k.  If instead you could keep the car for ten years, and invest the money you would have spent ($40,000) buying a new car every 5 years, over 30 years you would have only bought 3 cars instead of 6.  You saved $120k which could be used to invest in the stock market. Assuming an average return of 10%, you could invest $40k for 25, 15 and 5 years each because you didn't use the money to buy a car in those years.  How much could that become in 30 years? Take a wild guess.  It could grow to $664,897! Here's the takeaway: buy new cars as infrequently as possible. Best to buy them a few years old in great condition with low miles.  If you drive a lot of miles each year, listen to my podcasts about cars that last 200,000 miles. PLEASE SUBSCRIBE AND REVIEW THE SHOW If you enjoyed this episode, please subscribe and leave a review on whatever platform you listen. I love hearing from you! WEALTH HEIRESS TV Please subscribe to Wealth Heiress TV YouTube channel (it's not just for women, it's for men too!), here. Leave a review on Amazon here. Get my book, “You’re Already a Wealth Heiress, Now Think and Act Like One: 6 Practical Steps to Make It a Reality Now!” Available on Amazon. International buyers (if you live outside of the US) get my book here. WANT MORE FROM LINDA? Check out her programs. Join her on Instagram. Listen to the full library of podcasts from the beginning. 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! Be Wealthy & Smart,™ is a personal finance show with self-made millionaire Linda P. Jones, America’s Wealth Mentor.™ Learn how to build wealth, make money, and have financial freedom. Introduction to principles of wealth building you won’t hear about from your financial advisor. Learn how to get rich, the 6 Steps to Wealth, the Twin Pillars of Wealth Building™: Invest Like Billionaires™ and Create Your Luxury Brand™ Business.      
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8 min
January 1, 2019
Special Episode - Holiday Sizzle Contest Results + One Word for Wealth
Learn who the contest winners are and hear a surprise cameo from someone you know. Be sure to listen to the end, there is a surprise cameo! I suggest you choose one word for the year that you are claiming as your intention. It doesn't have to be in regard to your finances, but I suggest you pick one for your finances. It could be "profit", "revenue", "wealth" or something else. This is your intention for an area of improvement during the year. WEALTH HEIRESS TV Please subscribe to Wealth Heiress TV YouTube channel (it's not just for women, it's for men too!), here. THE HOLIDAY GIVEAWAY IS OVER! Prizes are: 11 Sets of Wealthy Mindset Blueprint audios (value $197 ea.) The winners are: Adnan, Zanna Schneider, Eric, BGR2, Skydad, MChaubal, Maria Chronus, Lori Tyree, Steve Murawski, Natalia Baez, and KimB. Congratulations! If you won, please email me at lpjhome@gmaildotcom and put "winner" in the subject line. 11 Wealth Heiress books, personalized by Linda. The winners are: JaquelineSchmidt, Zggb, Thelma Putzel, AldelmoLopez, AtXnila, Melanie, Jenny Mobley-Connolly, CreativeDeity, Banknid1410, Cakewrench, Flgal904. Congratulations! If you won, please email me at lpjhome@gmaildotcom and put "book" in the subject line. Also let me know what name to personalize the book to and the mailing address to mail it to. If no name is mentioned, you will receive an autographed copy from me. (Either way it is autographed, it's either personalized in addition to that or not). A 1/2 hour wealth mentoring session with Linda (value $500). The winners are Medeiros, Angela and Mary Mashburn. Congratulations! If you won, please email me at lpjhome@gmaildotcom and put "appointment" in the subject line. Also provide 3 dates and times that are convenient for us to talk by phone or Skype. Leave a review on Amazon here. Get my book, “You’re Already a Wealth Heiress, Now Think and Act Like One: 6 Practical Steps to Make It a Reality Now!” Available on Amazon. International buyers (if you live outside of the US) get my book here. WANT MORE FROM LINDA? Check out her programs. Join her on Instagram. Listen to the full library of podcasts from the beginning. Please subscribe, rate and review the show. I really appreciate it! 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! Be Wealthy & Smart,™ is a personal finance show with self-made millionaire Linda P. Jones, America’s Wealth Mentor.™ Learn how to build wealth, make money, and have financial freedom. Introduction to principles of wealth building you won’t hear about from your financial advisor. Learn how to get rich, the 6 Steps to Wealth, the Twin Pillars of Wealth Building™: Invest Like Billionaires™ and Create Your Luxury Brand™ Business.        
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14 min
December 31, 2018
10 Financial Moves to Make in 2019
Learn my top 10 money strategies to advance your income and net worth in 2019. In summary, here are my 10 Financial Moves for 2019: 1. Review your asset allocation -Rebalance, diversify, adjust as you age, don't use target date funds 2. Contribute more to your 401k and 403b, and IRA's -Contribution limits increased $500 this year. 3. Reduce high interest rate debt (hopefully you are already debt free), but if not pay off your highest interest rate debt first and then your highest utilized amount of debt (debt to total credit ratio). -I do not recommend paying off mortgage debt because it is only 3% or 4% debt and the opportunity cost of what you could earn with that money is much higher. 4. Dollar cost average into the stock market. 5. Don't get too overweight in real estate because it is very late in the cycle. 6. Think over large purchases that can cost you tens of thousands of dollars, like new cars, other vehicles/boats, electronics, high ticket designer shoes/handbags, and moving homes too often. 7. Update wills and beneficiaries on retirement plans and insurance policies, especially if you've had a major life event like marriage, divorce, new baby, illness, or death. 8. Consider starting a side hustle for extra income. 9. Look into new cycles such as Cannabis stocks, artificial intelligence (AI), Infrastructure, Defense stocks, the younger (FANG stock replacement) tech companies. Should you consider the two big IPO's next year? 10. Keep following the "6 Steps to Wealth" and check out my Wealth Heiress book. Men and women are loving it! WEALTH HEIRESS TV Please subscribe to Wealth Heiress TV YouTube channel (it's not just for women, it's for men too!), here. THE HOLIDAY GIVEAWAY IS ALMOST OVER! You have a great chance to win 25 prizes! It's easy to enter. Just leave a podcast or book review. A podcast review = your name entered in the drawing 2 times. A book purchased elsewhere and reviewed on Amazon = your name entered into the drawing 3 times. A book review on Amazon purchased on Amazon (says "verified purchase" review), your name entered 5 times. A podcast + book review (either "verified purchase" or not) = your name entered in the drawing 10 times. Prizes are: 11 Sets of Wealthy Mindset Blueprint audios (value $197 ea.) 11 Wealth Heiress books, personalized by Linda. 3 winners will have a 1/2 hour wealth mentoring session with Linda (value $500). Drawing will occur January 1, 2019 and will be announced on the podcast. Leave a review on Amazon here. Get my book, “You’re Already a Wealth Heiress, Now Think and Act Like One: 6 Practical Steps to Make It a Reality Now!” Available on Amazon. International buyers (if you live outside of the US) get my book here. WANT MORE FROM LINDA? Check out her programs. Join her on Instagram. Listen to the full library of podcasts from the beginning. Please subscribe, rate and review the show. I really appreciate it! 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! Be Wealthy & Smart,™ is a personal finance show with self-made millionaire Linda P. Jones, America’s Wealth Mentor.™ Learn how to build wealth, make money, and have financial freedom. Introduction to principles of wealth building you won’t hear about from your financial advisor. Learn how to get rich, the 6 Steps to Wealth, the Twin Pillars of Wealth Building™: Invest Like Billionaires™ and Create Your Luxury Brand™ Business.        
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32 min
December 28, 2018
BONUS: Holiday Giveaway Ending Soon + My Thoughts About Wealth
Learn what you can win, what other listeners are saying about wealth building and why I disagree with misers. The Holiday Giveaway is ending January 1st - only a few days left! Hear what your fellow listeners have to say about the podcast and how it's changing their lives.  Listen to me rant about why a meager existence is not the focus of this podcast, and what experiences I wish for you. It's NOT about Consumerism, it IS about your life and experiencing incredible times on this journey of LIVING. WEALTH HEIRESS TV Please subscribe to Wealth Heiress TV YouTube channel (it's not just for women, it's for men too!), here. THE HOLIDAY GIVEAWAY IS ALMOST OVER! You have a great chance to win 25 prizes! It's easy to enter. Just leave a podcast or book review. A podcast review = your name entered in the drawing 2 times. A book purchased elsewhere and reviewed on Amazon = your name entered into the drawing 3 times. A book review on Amazon purchased on Amazon (says "verified purchase" review), your name entered 5 times. A podcast + book review (either "verified purchase" or not) = your name entered in the drawing 10 times. Prizes are: 11 Sets of Wealthy Mindset Blueprint audios (value $197 ea.) 11 Wealth Heiress books, personalized by Linda. 3 winners will have a 1/2 hour wealth mentoring session with Linda (value $500). Drawing will occur January 1, 2019 and will be announced on the podcast. Leave a review on Amazon here. Get my book, “You’re Already a Wealth Heiress, Now Think and Act Like One: 6 Practical Steps to Make It a Reality Now!” Available on Amazon. International buyers (if you live outside of the US) get my book here. WANT MORE FROM LINDA? Check out her programs. Join her on Instagram. Listen to the full library of podcasts from the beginning. Please subscribe, rate and review the show. I really appreciate it! 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! Be Wealthy & Smart,™ is a personal finance show with self-made millionaire Linda P. Jones, America’s Wealth Mentor.™ Learn how to build wealth, make money, and have financial freedom. Introduction to principles of wealth building you won’t hear about from your financial advisor. Learn how to get rich, the 6 Steps to Wealth, the Twin Pillars of Wealth Building™: Invest Like Billionaires™ and Create Your Luxury Brand™ Business.        
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15 min
December 28, 2018
ENCORE: How to Be Savvy With Debt
Learn how other people’s money (OPM) and the smart use of debt can build your wealth. Not all debt is inherently bad! Why is mortgage debt triggering people? Mortgage rates are only 5% for 30 years and are partially tax-deductible. Credit cards with high interest rates are the real culprit! Don’t use debt for depreciating assets. Mortgages can be great forced savings plans because the debt will become equity. In this podcast I help you think through why you may want to set up a retirement plan before paying off your mortgage. WEALTH HEIRESS TV Please subscribe to Wealth Heiress TV YouTube channel (it's not just for women, it's for men too!), here. THE HOLIDAY SIZZLE CONTEST IS ON NOW! You have a great chance to win 25 prizes! It's easy to enter. Just leave a podcast or book review. A podcast review = your name entered in the drawing 2 times. A book purchased elsewhere and reviewed on Amazon = your name entered into the drawing 3 times. A book review on Amazon purchased on Amazon (says "verified purchase" review), your name entered 5 times. A podcast + book review (either "verified purchase" or not) = your name entered in the drawing 10 times. Prizes are: 11 Wealthy Mindset Blueprint audios (value $197 ea.) 11 Wealth Heiress books, personalized by Linda. 3 winners will have a 1/2 hour wealth mentoring session with Linda (value $500). Drawing will occur January 1, 2019 and will be announced on the podcast. Leave a review on Amazon here. Get my book, “You’re Already a Wealth Heiress, Now Think and Act Like One: 6 Practical Steps to Make It a Reality Now!” Available on Amazon. International buyers (if you live outside of the US) get my book here. WANT MORE FROM LINDA? Check out her programs. Join her on Instagram. Listen to the full library of podcasts from the beginning. Please subscribe, rate and review the show. I really appreciate it! 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! Be Wealthy & Smart,™ is a personal finance show with self-made millionaire Linda P. Jones, America’s Wealth Mentor.™ Learn how to build wealth, make money, and have financial freedom. Introduction to principles of wealth building you won’t hear about from your financial advisor. Learn how to get rich, the 6 Steps to Wealth, the Twin Pillars of Wealth Building™: Invest Like Billionaires™ and Create Your Luxury Brand™ Business.      
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16 min
December 26, 2018
ENCORE: Why You Should Hold During Stock Market Meltdowns
Learn why selling stocks can be a huge mistake, how a few days makes a huge difference and how to reduce risk. You can read my article on Forbes.com here. WEALTH HEIRESS TV Please subscribe to Wealth Heiress TV YouTube channel (it's not just for women, it's for men too!), here. THE HOLIDAY SIZZLE CONTEST IS ON NOW! You have a great chance to win 25 prizes! It's easy to enter. Just leave a podcast or book review. A podcast review = your name entered in the drawing 2 times. A book purchased elsewhere and reviewed on Amazon = your name entered into the drawing 3 times. A book review on Amazon purchased on Amazon (says "verified purchase" review), your name entered 5 times. A podcast + book review (either "verified purchase" or not) = your name entered in the drawing 10 times. Prizes are: 11 Wealthy Mindset Blueprint audios (value $197 ea.) 11 Wealth Heiress books, personalized by Linda. 3 winners will have a 1/2 hour wealth mentoring session with Linda (value $500). Drawing will occur January 1, 2019 and will be announced on the podcast. Leave a review on Amazon here. Get my book, “You’re Already a Wealth Heiress, Now Think and Act Like One: 6 Practical Steps to Make It a Reality Now!” Available on Amazon. International buyers (if you live outside of the US) get my book here. WANT MORE FROM LINDA? Check out her programs. Join her on Instagram. Listen to the full library of podcasts from the beginning. Please subscribe, rate and review the show. I really appreciate it! 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! Be Wealthy & Smart,™ is a personal finance show with self-made millionaire Linda P. Jones, America’s Wealth Mentor.™ Learn how to build wealth, make money, and have financial freedom. Introduction to principles of wealth building you won’t hear about from your financial advisor. Learn how to get rich, the 6 Steps to Wealth, the Twin Pillars of Wealth Building™: Invest Like Billionaires™ and Create Your Luxury Brand™ Business.      
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18 min
December 24, 2018
A Special Christmas Message to You From Linda
Merry Christmas! I'm sharing my thoughts and gratitude for you being here. This special message is straight from my heart, and will only be posted for a few days.  If you don't celebrate Christmas, please accept this message as a special holiday message from my heart to yours. WEALTH HEIRESS TV Please subscribe to Wealth Heiress TV YouTube channel (it's not just for women, it's for men too!), here. THE HOLIDAY SIZZLE CONTEST IS ON NOW! You have a great chance to win 25 prizes! It's easy to enter. Just leave a podcast or book review. A podcast review = your name entered in the drawing 2 times. A book purchased elsewhere and reviewed on Amazon = your name entered into the drawing 3 times. A book review on Amazon purchased on Amazon (says "verified purchase" review), your name entered 5 times. A podcast + book review (either "verified purchase" or not) = your name entered in the drawing 10 times. Prizes are: 11 Wealthy Mindset Blueprint audios (value $197 ea.) 11 Wealth Heiress books, personalized by Linda. 3 winners will have a 1/2 hour wealth mentoring session with Linda (value $500). Drawing will occur January 1, 2019 and will be announced on the podcast. Leave a review on Amazon here. Get my book, “You’re Already a Wealth Heiress, Now Think and Act Like One: 6 Practical Steps to Make It a Reality Now!” Available on Amazon. International buyers (if you live outside of the US) get my book here. WANT MORE FROM LINDA? Check out her programs. Join her on Instagram. Listen to the full library of podcasts from the beginning. Please subscribe, rate and review the show. I really appreciate it! 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! Be Wealthy & Smart,™ is a personal finance show with self-made millionaire Linda P. Jones, America’s Wealth Mentor.™ Learn how to build wealth, make money, and have financial freedom. Introduction to principles of wealth building you won’t hear about from your financial advisor. Learn how to get rich, the 6 Steps to Wealth, the Twin Pillars of Wealth Building™: Invest Like Billionaires™ and Create Your Luxury Brand™ Business.    
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3 min
December 24, 2018
ENCORE: How Millennials Can Become Millionaires
Learn what to do so that you can become a millionaire, whether you are a Millennial or not. Wealth building tips are not just for young people. Learn what to do to grow your money into millions, no matter what your age is. WEALTH HEIRESS TV Please subscribe to Wealth Heiress TV YouTube channel (it's not just for women, it's for men too!), here. THE HOLIDAY SIZZLE CONTEST IS ON NOW! You have a great chance to win 25 prizes! It's easy to enter. Just leave a podcast or book review. A podcast review = your name entered in the drawing 2 times. A book purchased elsewhere and reviewed on Amazon = your name entered into the drawing 3 times. A book review on Amazon purchased on Amazon (says "verified purchase" review), your name entered 5 times. A podcast + book review (either "verified purchase" or not) = your name entered in the drawing 10 times. Prizes are: 11 Wealthy Mindset Blueprint audios (value $197 ea.) 11 Wealth Heiress books, personalized by Linda. 3 winners will have a 1/2 hour wealth mentoring session with Linda (value $500). Drawing will occur January 1, 2019 and will be announced on the podcast. Leave a review on Amazon here. Get my book, “You’re Already a Wealth Heiress, Now Think and Act Like One: 6 Practical Steps to Make It a Reality Now!” Available on Amazon. International buyers (if you live outside of the US) get my book here. WANT MORE FROM LINDA? Check out her programs. Join her on Instagram. Listen to the full library of podcasts from the beginning. Please subscribe, rate and review the show. I really appreciate it! 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! Be Wealthy & Smart,™ is a personal finance show with self-made millionaire Linda P. Jones, America’s Wealth Mentor.™ Learn how to build wealth, make money, and have financial freedom. Introduction to principles of wealth building you won’t hear about from your financial advisor. Learn how to get rich, the 6 Steps to Wealth, the Twin Pillars of Wealth Building™: Invest Like Billionaires™ and Create Your Luxury Brand™ Business.    
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10 min
December 21, 2018
Cannabis and Hemp Now Approved in Farm Bill
Learn how Cannabis and Hemp are impacted by the Farm Bill that President Trump signed. This is huge News! Cannabis and hemp are now legal in the U.S. The opportunities for wealth building are tremendous, in my opinion, as mentioned in several of my podcasts. Exciting!   Always check with your financial advisor before making investment decisions.   The article is on my website.   Disclosure: I am invested in stocks mentioned in this podcast.   WEALTH HEIRESS TV Please subscribe to Wealth Heiress TV YouTube channel (it's not just for women, it's for men too!), here. THE HOLIDAY SIZZLE CONTEST IS ON NOW! You have a great chance to win 25 prizes! It's easy to enter. Just leave a podcast or book review. A podcast review = your name entered in the drawing 2 times. A book purchased elsewhere and reviewed on Amazon = your name entered into the drawing 3 times. A book review on Amazon purchased on Amazon (says "verified purchase" review), your name entered 5 times. A podcast + book review (either "verified purchase" or not) = your name entered in the drawing 10 times. Prizes are: 11 Wealthy Mindset Blueprint audios (value $197 ea.) 11 Wealth Heiress books, personalized by Linda. 3 winners will have a 1/2 hour wealth mentoring session with Linda (value $500). Drawing will occur January 1, 2019 and will be announced on the podcast. Leave a review on Amazon here. Get my book, “You’re Already a Wealth Heiress, Now Think and Act Like One: 6 Practical Steps to Make It a Reality Now!” Available on Amazon. International buyers (if you live outside of the US) get my book here. WANT MORE FROM LINDA? Check out her programs. Join her on Instagram. Listen to the full library of podcasts from the beginning. Please subscribe, rate and review the show. I really appreciate it! 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! Be Wealthy & Smart,™ is a personal finance show with self-made millionaire Linda P. Jones, America’s Wealth Mentor.™ Learn how to build wealth, make money, and have financial freedom. Introduction to principles of wealth building you won’t hear about from your financial advisor. Learn how to get rich, the 6 Steps to Wealth, the Twin Pillars of Wealth Building™: Invest Like Billionaires™ and Create Your Luxury Brand™ Business.    
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16 min
December 19, 2018
How to Save Tens of Thousands of Dollars - Part 2
Learn how to save tens of thousands of dollars by not moving very often. Let me tell you a true story. When my late husband and I got married, we had to decide whether to keep his house and remodel extensively (get rid of the avocado colored bathroom, fluorescent lighting and vinyl floors, basically taking it down to the studs), or find a new house.  We looked at new construction, but we liked his house's floor plan and "bones" better. It was also in a killer location and on a nice lot.  We agreed to keep the house and do a six-figure remodel. Part of what made the the decision easy was a back of the envelope calculation. Let me show you.  Adding up real estate commissions of about $30k, loan points $4k, moving costs $7k, prepping house for sale $5k, fixing up new home (curtains, towels, bedding, paint, light remodeling) $10k.  Those were obvious expenses it would cost us to move to another home. Adding them up, they totaled $56k, which was 56% of our $100k remodel budget! In other words, over half of our remodel would be saved just by not moving!  The takeaway for you? Moving costs a lot of money! The less frequently you move, the more money you will have.  So buy a home you can live in for at least 10 years, preferably a lot more. You'll pay your mortgage off faster, accumulate more equity, and save thousands of dollars by not moving. WEALTH HEIRESS TV Please subscribe to my *new* Wealth Heiress TV YouTube channel (it's not just for women, it's for men too!), here. THE HOLIDAY SIZZLE CONTEST IS ON NOW! You have a great chance to win 25 prizes! It's easy to enter. Just leave a podcast or book review. A podcast review = your name entered in the drawing 2 times. A book purchased elsewhere and reviewed on Amazon = your name entered into the drawing 3 times. A book review on Amazon purchased on Amazon (says "verified purchase" review), your name entered 5 times. A podcast + book review (either "verified purchase" or not) = your name entered in the drawing 10 times. Prizes are: 11 Wealthy Mindset Blueprint audios (value $197 ea.) 11 Wealth Heiress books, personalized by Linda. 3 winners will have a 1/2 hour wealth mentoring session with Linda (value $500). Drawing will occur January 1, 2019 and will be announced on the podcast. Leave a review on Amazon here. Get my book, “You’re Already a Wealth Heiress, Now Think and Act Like One: 6 Practical Steps to Make It a Reality Now!” Available on Amazon. International buyers (if you live outside of the US) get my book here. WANT MORE FROM LINDA? Check out her programs. Join her on Instagram. Listen to the full library of podcasts from the beginning. Please subscribe, rate and review the show. I really appreciate it! 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! Be Wealthy & Smart,™ is a personal finance show with self-made millionaire Linda P. Jones, America’s Wealth Mentor.™ Learn how to build wealth, make money, and have financial freedom. Introduction to principles of wealth building you won’t hear about from your financial advisor. Learn how to get rich, the 6 Steps to Wealth, the Twin Pillars of Wealth Building™: Invest Like Billionaires™ and Create Your Luxury Brand™ Business.    
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11 min
December 17, 2018
How to Save Tens of Thousands of Dollars - Part 1
Learn how to be smarter spending $10k or more and what it really means to your net worth. You can choose to spend $10k on a lot of things, but ultimately what will it be worth, more or less? In this series, I show you ways to save tens of thousands of dollars so you can increase your net worth. Learn why Warren Buffett doesn't live in a fancy mansion, even though he is one of the richest billionaires in the world. WEALTH HEIRESS TV Please subscribe to my *new* Wealth Heiress TV YouTube channel (it's not just for women, it's for men too!), here. THE HOLIDAY SIZZLE CONTEST IS ON NOW! You have a great chance to win 25 prizes! It's easy to enter. Just leave a podcast or book review. A podcast review = your name entered in the drawing 2 times. A book purchased elsewhere and reviewed on Amazon = your name entered into the drawing 3 times. A book review on Amazon purchased on Amazon (says "verified purchase" review), your name entered 5 times. A podcast + book review (either "verified purchase" or not) = your name entered in the drawing 10 times. Prizes are: 11 Wealthy Mindset Blueprint audios (value $197 ea.) 11 Wealth Heiress books, personalized by Linda. 3 winners will have a 1/2 hour wealth mentoring session with Linda (value $500). Drawing will occur January 1, 2019 and will be announced on the podcast. Leave a review on Amazon here. Get my book, “You’re Already a Wealth Heiress, Now Think and Act Like One: 6 Practical Steps to Make It a Reality Now!” Available on Amazon. International buyers (if you live outside of the US) get my book here. WANT MORE FROM LINDA? Check out her programs. Join her on Instagram. Listen to the full library of podcasts from the beginning. Please subscribe, rate and review the show. I really appreciate it! 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! Be Wealthy & Smart,™ is a personal finance show with self-made millionaire Linda P. Jones, America’s Wealth Mentor.™ Learn how to build wealth, make money, and have financial freedom. Introduction to principles of wealth building you won’t hear about from your financial advisor. Learn how to get rich, the 6 Steps to Wealth, the Twin Pillars of Wealth Building™: Invest Like Billionaires™ and Create Your Luxury Brand™ Business.    
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12 min
December 14, 2018
Bitcoin, Cannabis, Bubbles & Cycles
Learn the signs of (bitcoin) being in a bubble, the typical language at the peak of a bubble and new investment opportunities. Money moves in cycles and peaks in bubbles. What if you could identify the peak of a bubble? Listen to a real bitcoin investor who is exhibiting bubble investor behavior. What are the words? How can you tell an investment might be in a bubble? Should you borrow to invest in a "sure thing"? Protect yourself from potential massive losses by understanding bubbles and being able to see them identify when they are occurring. This is not a podcast about whether or not to invest in bitcoin, it is simply demonstrating bubbles have similarities. I do talk about other potential investments in future technology and medical Cannabis and the opportunities to build wealth. WARNING! Mystery guest uses swear words in this podcast! WEALTH HEIRESS TV Please subscribe to my *new* Wealth Heiress TV YouTube channel (it's not just for women, it's for men too!), here. THE HOLIDAY SIZZLE CONTEST IS ON NOW! You have a great chance to win 25 prizes! It's easy to enter. Just leave a podcast or book review. A podcast review = your name entered in the drawing 2 times. A book purchased elsewhere and reviewed on Amazon = your name entered into the drawing 3 times. A book review on Amazon purchased on Amazon (says "verified purchase" review), your name entered 5 times. A podcast + book review (either "verified purchase" or not) = your name entered in the drawing 10 times. Prizes are: 11 Wealthy Mindset Blueprint audios (value $197 ea.) 11 Wealth Heiress books, personalized by Linda. 3 winners will have a 1/2 hour wealth mentoring session with Linda (value $500). Drawing will occur January 1, 2019 and will be announced on the podcast. Leave a review on Amazon here. Get my book, “You’re Already a Wealth Heiress, Now Think and Act Like One: 6 Practical Steps to Make It a Reality Now!” Available on Amazon. International buyers (if you live outside of the US) get my book here. WANT MORE FROM LINDA? Check out her programs. Join her on Instagram. Listen to the full library of podcasts from the beginning. Please subscribe, rate and review the show. I really appreciate it! 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! Be Wealthy & Smart,™ is a personal finance show with self-made millionaire Linda P. Jones, America’s Wealth Mentor.™ Learn how to build wealth, make money, and have financial freedom. Introduction to principles of wealth building you won’t hear about from your financial advisor. Learn how to get rich, the 6 Steps to Wealth, the Twin Pillars of Wealth Building™: Invest Like Billionaires™ and Create Your Luxury Brand™ Business.    
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20 min
December 12, 2018
11 Bad Habits That Keep You From Reaching Your Financial Goals
Learn the money habits that hold you back from financial independence and freedom. These are 11 mistakes people make with their finances that can be devastating to wealth building. 1. Not saving enough 2. Not participating in a 401k or IRA 3. Not spending less than you earn 4. Not paying off credit card balances/debt 5. Buying brand new cars 6. Moving homes frequently 7. Paying full price for consumer goods 8. Buying adult toy vehicles 9. Collecting designer clothes/shoes/handbags/sports equipment 10. Not paying off student loans  11. Not looking for additional streams of income WEALTH HEIRESS TV Please subscribe to my *new* Wealth Heiress TV YouTube channel (it's not just for women, it's for men too!), here. THE HOLIDAY SIZZLE CONTEST IS ON NOW! You have a great chance to win 25 prizes! It's easy to enter. Just leave a podcast or book review. A podcast review = your name entered in the drawing 2 times. A book purchased elsewhere and reviewed on Amazon = your name entered into the drawing 3 times. A book review on Amazon purchased on Amazon (says "verified purchase" review), your name entered 5 times. A podcast + book review (either "verified purchase" or not) = your name entered in the drawing 10 times. Prizes are: 11 Wealthy Mindset Blueprint audios (value $197 ea.) 11 Wealth Heiress books, personalized by Linda. 3 winners will have a 1/2 hour wealth mentoring session with Linda (value $500). Drawing will occur January 1, 2019 and will be announced on the podcast. Leave a review on Amazon here. Get my book, “You’re Already a Wealth Heiress, Now Think and Act Like One: 6 Practical Steps to Make It a Reality Now!” Available on Amazon. International buyers (if you live outside of the US) get my book here. WANT MORE FROM LINDA? Check out her programs. Join her on Instagram. Listen to the full library of podcasts from the beginning. Please subscribe, rate and review the show. I really appreciate it! 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! Be Wealthy & Smart,™ is a personal finance show with self-made millionaire Linda P. Jones, America’s Wealth Mentor.™ Learn how to build wealth, make money, and have financial freedom. Introduction to principles of wealth building you won’t hear about from your financial advisor. Learn how to get rich, the 6 Steps to Wealth, the Twin Pillars of Wealth Building™: Invest Like Billionaires™ and Create Your Luxury Brand™ Business.  
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17 min
December 10, 2018
ENCORE: 7 Ways to Get $1 Million in Your Retirement Account
Learn how to maximize your investments so your 401(k) or retirement plan will accumulate $1 million. About 150,000 people have a 401(k) of $1 million or more in 2017 and 152,000 IRA’s have $1 million or more. Here are the steps to take: 1. Start as soon as possible. 2. Invest the maximum or at least get the match. 401(k) & 403 (b) = $18,500 Roth IRA benefits phase out (you can’t contribute) if you earn too much money. IRA $5,500 3. If you’re over age 50, add the catch up provision. 401(k) $18,500 + 6,000 = $24,500 IRA $5,500 + $1,000 4. Invest in stocks. 10% average annual return. $3,000 per year for 35 years @10% = $978k $8,000 per year for 25 years @ 10% = $952,000 $24,000 per year for 15 years @ 10% = $939,000 5. Don’t use target funds. 6. Get comfortable with risk. 7. Stay the course. PLEASE NOTE: There are new contribution limits for 2019. Contribution limits have been increased $500. Details in podcast #479. WEALTH HEIRESS TV Please subscribe to my *new* Wealth Heiress TV YouTube channel (it's not just for women, it's for men too!), here. THE HOLIDAY SIZZLE CONTEST IS ON NOW! You have a great chance to win 25 prizes! It's easy to enter. Just leave a podcast or book review. A podcast review = your name entered in the drawing 2 times. A book purchased elsewhere and reviewed on Amazon = your name entered into the drawing 3 times. A book review on Amazon purchased on Amazon (says "verified purchase" review), your name entered 5 times. A podcast + book review (either "verified purchase" or not) = your name entered in the drawing 10 times. Prizes are: 11 Wealthy Mindset Blueprint audios (value $197 ea.) 11 Wealth Heiress books, personalized by Linda. 3 winners will have a 1/2 hour wealth mentoring session with Linda (value $500). Drawing will occur January 1, 2019 and will be announced on the podcast. Leave a review on Amazon here. Get my book, “You’re Already a Wealth Heiress, Now Think and Act Like One: 6 Practical Steps to Make It a Reality Now!” Available on Amazon. International buyers (if you live outside of the US) get my book here. WANT MORE FROM LINDA? Check out her programs. Join her on Instagram. Listen to the full library of podcasts from the beginning. Please subscribe, rate and review the show. I really appreciate it! 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! Be Wealthy & Smart,™ is a personal finance show with self-made millionaire Linda P. Jones, America’s Wealth Mentor.™ Learn how to build wealth, make money, and have financial freedom. Introduction to principles of wealth building you won’t hear about from your financial advisor. Learn how to get rich, the 6 Steps to Wealth, the Twin Pillars of Wealth Building™: Invest Like Billionaires™ and Create Your Luxury Brand™ Business.  
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16 min
December 7, 2018
Best Performing Stocks and Sectors in the S&P 500 in 2018
Learn which stocks and sectors are performing the best YTD. The top 10 best and worst performing stocks YTD in the S&P 500 and also the top 10 best sectors YTD. The FAANGs are not in the top 10 year-to-date, so what is? GE is not the worst stock YTD, so what is? I cover why the FAANGs have stalled, why the leading sector is no surprise, and what's going on with real estate. The article is here: https://www.marketwatch.com/story/here-are-the-sp-500s-best-and-worst-stock-performers-of-2018-2018-12-06 New! Wealth Heiress TV (for men too!) Be sure to subscribe my new Wealth Heiress TV channel on YouTube. Watch and subscribe here: http://lindapjones.com/WealthHeiressTV The Holiday Sizzle Contest is starting! A podcast review = your name entered in the drawing 2 times. A book review on Amazon = your name entered 3 times or if a verified purchase review, then 5 times. A podcast + book review (either verified purchase or not) = your name entered in the drawing 10 times. Prizes are: 11 Sets of 3 Wealthy Mindset Blueprint audios (value $197 ea.) 11 Wealth Heiress books, with it personalized by moi. 3 winners will have a 1/2 hour wealth mentoring session with me (value $500). Drawing will occur January 1, 2019 and will be announced on the podcast. Financial freedom requires knowledge + action. Get my book, “You’re Already a Wealth Heiress, Now Think and Act Like One: 6 Practical Steps to Make It a Reality Now!” Available on Amazon: http://amzn.to/2Hy9qk4 International buyers (if you live outside of the US) can now get my book at http://amazon.co.uk Leave a book review on Amazon here:  https://amzn.to/2D4uBZ5 Join me on Instagram at http://Instagram.com/lindapjones The full library of my podcasts from the beginning are available at https://www.lindapjones.com/podcasts/ Please subscribe, rate and review the show. I really appreciate it! Today's sponsor is Audible. It's how I "read" more books. Get your first audiobook for FREE today (I recommend Think & Grow Rich), here: https://www.audibletrial.com/bewealthyandsmart      
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22 min
December 5, 2018
Financial TV and Media Secrets with Bobbi Rebell
Learn if it is wise to be acting on financial news with the author of "How To Be a Financial Grownup", Bobbi Rebell. Why do certain stocks seem to get a lot of coverage? How much should you pay attention to financial TV news?   How is it decided who the guests are? How much stock (pun intended) should you put into their advice? How can you tell if they are biased? What qualifies them to be on? How are they vetted? Why are certain topics chosen over others? New! Wealth Heiress TV (for men too!) Be sure to subscribe my new Wealth Heiress TV channel on YouTube. Watch and subscribe here: http://lindapjones.com/WealthHeiressTV The Holiday Sizzle Contest is starting! A podcast review = your name entered in the drawing 2 times. A book review on Amazon = your name entered 3 times or if a verified purchase review, then 5 times. A podcast + book review (either verified purchase or not) = your name entered in the drawing 10 times. Prizes are: 11 Sets of 3 Wealthy Mindset Blueprint audios (value $197 ea.) 11 Wealth Heiress books, with it personalized by moi. 3 winners will have a 1/2 hour wealth mentoring session with me (value $500). Drawing will occur January 1, 2019 and will be announced on the podcast. Financial freedom requires knowledge + action. Get my book, “You’re Already a Wealth Heiress, Now Think and Act Like One: 6 Practical Steps to Make It a Reality Now!” Available on Amazon: http://amzn.to/2Hy9qk4 International buyers (if you live outside of the US) can now get my book at http://amazon.co.uk Leave a book review on Amazon here:  https://amzn.to/2D4uBZ5 Join me on Instagram at http://Instagram.com/lindapjones The full library of my podcasts from the beginning are available at https://www.lindapjones.com/podcasts/ Please subscribe, rate and review the show. I really appreciate it! Today's sponsor is Audible. It's how I "read" more books. Get your first audiobook for FREE today (I recommend Think & Grow Rich), here: https://www.audibletrial.com/bewealthyandsmart    
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29 min
December 3, 2018
Is the Housing Real Estate Boom Over?
Learn if real estate markets in the US are cooling off or even cold in 2018. Home sales are falling and the supply is growing.  "The supply of homes on the market has risen to 7.4 months' worth, the most in over 7 years." - Investor's Business Daily Looking at formerly hot real estate markets, we can see signs of cooling. Seattle, Dallas, San Francisco and Denver are showing signs of slowing sales. The article details the trends: https://www.zerohedge.com/news/2018-11-27/wsj-calls-it-us-housing-boom-coming-end-starting-dallas Today's Sponsor is Audible I’m often asked how I stay up to date on investment opportunities and current investing cycles. I turned off my radio years ago - when I drive I listen to podcasts or an audio book. I’ve often talked about using your car as a mobile learning center. That’s how I read most of my books today. I don’t have time to sit and read, but I have lots of time to multitask and listen to a book while I walk my dog, drive to the store or get ready in the morning. It’s how I leverage my time to learn more. You can do it too. I started my Wealth Building with Think and Grow Rich and I recommend you start there too because it deals with Step 1 to Wealth: Create a Wealthy Mindset. If you already have it then I recommend The Millionaire Next Door. Both are great books I highly recommend. You can choose 3 titles every month and if you don’t like a book, you can exchange it free. You own the book and can listen to it on your iphone, Android, iPod, Fire tablet or other mp3 player. I love a great deal, who doesn’t? Right now, for a limited time, you can get 3 months of Audible for just $6.95 a month, that’s MORE THAN half off the regular price. Just go to audible.com/wealth or text “wealth” to 500500 to get started. That’s audible.com/wealth. And while you’re at it, give the gift of Audible to a loved one.  Please subscribe to the podcast and leave a review!
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19 min
November 30, 2018
How to Shorten the Path to Financial Freedom
Learn what to do while you're following the 6 Steps to Wealth. This is a listener question: Danise asks how to be patient during the wealth building process, while working on a wealthy mindset and doing the steps, but staying positive and patient through the process. I give 6 specific areas to make sure and pay attention to, that you can follow while you are working on the 6 Steps to Wealth.  Each area has several sub-areas: 1. Live life with joy a. Connect with your passions, do what you love. b. Don't make money more important than living. c. Be a smart spender.   2. Match your spending with your priorities a. Home, family and retirement are three important priorities that you should be putting first.   3. Avoid the BIG financial mistakes a. Don't move homes b. Don't buy new cars or finance cars   4. Automate your savings a. Save 20% if you can. b. Use 401k, IRA's, Roths, HCA's c. Dollar cost average into investments   5. Identify wealth building opportunities a. Bubbles and cycles b. High compounding trends c. Beware the housing market   6. Get obsessed with compounding! a. The billionaire was obsessed b. You won't believe these compounding rates or where they came from.   Today's Sponsor is Care/Of Good health is an important asset! That’s why I want to tell you about Care/of. Care/of delivers your vitamins right to your door in personalized, easy to remember daily packs - perfect for a busy, on-the-go lifestyle. It’s personalized for your needs because Care/of’s online quiz asks you about your diet, health goals, and lifestyle choices and takes only 5 minutes to find out what vitamins and supplements you specifically need. When I took the quiz, I was looking for more energy and it gave me suggestions that were cutting edge. You can track your progress with the care/of app and earn rewards when you remember to take your vitamins. Care/of’s delicious, nutrient packed quick stick powders can be added to your monthly delivery for an extra, easy boost wherever you need it. Your monthly subscription can be modified at any time. There’s a special discount for a limited time. For 25% off your first month of personalized care/of vitamins, visit takecareof.com and enter “wealth.” That’s takecareof.com, promo code “wealth” and save 25% your first month. Invest in yourself and your health.   Financial freedom requires knowledge + action. Get my book, “You’re Already a Wealth Heiress, Now Think and Act Like One: 6 Practical Steps to Make It a Reality Now!” Available on Amazon: http://amzn.to/2Hy9qk4 International buyers (if you live outside of the US) can now get my book at http://amazon.co.uk Leave a book review on Amazon here:  https://amzn.to/2D4uBZ5 Join me on Instagram at http://Instagram.com/lindapjones The full library of my podcasts from the beginning are available at https://www.lindapjones.com/podcasts/ Please subscribe, rate and review the show. I really appreciate it!    
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30 min
November 28, 2018
New Contribution Limits on HSA (Health Savings Accounts) for 2019
Learn what the new contribution limits are for HSA's in 2019. Contribution limits have been raised on HSA's for 2019. Investing in Health Savings Accounts offer tax benefits 3 ways: They allow you to deduct contributions, they grow federally tax-free, and funds can be withdrawn without being taxed when used for qualified expenses. Find out how to qualify, what eligible expenses are (including 2 that surprised me), and what special rules apply if you are over age 65. New! Wealth Heiress TV (for men too!) Be sure to subscribe my new Wealth Heiress TV channel on YouTube. Watch and subscribe here: http://lindapjones.com/WealthHeiressTV The Holiday Sizzle Contest is starting! A podcast review = your name entered in the drawing 2 times. A book review on Amazon = your name entered 3 times or if a verified purchase review, then 5 times. A podcast + book review (either verified purchase or not) = your name entered in the drawing 10 times. Prizes are: 11 Sets of 3 Wealthy Mindset Blueprint audios (value $197 ea.) 11 Wealth Heiress books, with it personalized by moi. 3 winners will have a 1/2 hour wealth mentoring session with me (value $500). Drawing will occur January 1, 2019 and will be announced on the podcast. Financial freedom requires knowledge + action. Get my book, “You’re Already a Wealth Heiress, Now Think and Act Like One: 6 Practical Steps to Make It a Reality Now!” Available on Amazon: http://amzn.to/2Hy9qk4 International buyers (if you live outside of the US) can now get my book at http://amazon.co.uk Leave a book review on Amazon here:  https://amzn.to/2D4uBZ5 Join me on Instagram at http://Instagram.com/lindapjones The full library of my podcasts from the beginning are available at https://www.lindapjones.com/podcasts/ Please subscribe, rate and review the show. I really appreciate it! Today's sponsor is Audible. It's how I "read" more books. Get your first audiobook for FREE today (I recommend Think & Grow Rich), here: https://www.audibletrial.com/bewealthyandsmart    
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11 min
November 26, 2018
Women and Divorce with Shannah Compton Game
Learn advice for women (or men) getting divorced or contemplating divorce, with Shannah Compton Game. Divorce can be stressful. Learn what to do first, how to find a lawyer, how to negotiate, and if pre-nuptual agreements are a good idea according to an expert on divorce. Women often want to keep the family home. Is that always the right move? Should you try to negotiate your divorce terms or leave everything up to the lawyers? How can you minimize legal fees? You might be surprised by the answers. Shannah Compton Game is the host of the Millennial Money podcast, a CFP®, and shares her personal experience with her divorce and other women divorcing. This is good information everyone should be aware of. New! Wealth Heiress TV (for men too!) This is the first time I'm sharing content from my new Wealth Heiress TV channel on YouTube. Watch and subscribe here: http://lindapjones.com/WealthHeiressTV The Holiday Sizzle Contest is starting! A podcast review = your name entered in the drawing 2 times A book review on Amazon = your name entered 3 times or if a verified purchase review, then 5 times. A podcast + book review (either verified purchase or not) = your name entered in the drawing 10 times. Prizes are: 11 Wealthy Mindset Blueprint audios (value $197 ea.) 11 Wealth Heiress books, with it personalized by moi. 3 winners will have a 1/2 hour wealth mentoring session with me (value $500). Drawing will occur January 1, 2019 and will be announced on the podcast. Financial freedom requires knowledge + action. Get my book, “You’re Already a Wealth Heiress, Now Think and Act Like One: 6 Practical Steps to Make It a Reality Now!” Available on Amazon: http://amzn.to/2Hy9qk4 International buyers (if you live outside of the US) can now get my book at http://amazon.co.uk Leave a book review on Amazon here:  https://amzn.to/2D4uBZ5 Join me on Instagram at http://Instagram.com/lindapjones The full library of my podcasts from he beginning are available at https://www.lindapjones.com/podcasts/ Please subscribe, rate and review the show. I really appreciate it! Today's sponsor is Audible. It's how I "read" more books. Get your first audiobook for FREE today (I recommend Think & Grow Rich), here: https://www.audibletrial.com/bewealthyandsmart    
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30 min
November 23, 2018
How Not to Overspend While Holiday Shopping
Learn tips to make your shopping easier, save money and have a better holiday. Ideas how not to overspend during the holidays and make your holidays more meaningful. Sometimes it's not about the money. New! Wealth Heiress TV This is the first episode I'm sharing from my Wealth Heiress TV YouTube channel (it's not just for women, it's for men too!), here: http://lindapjones.com/WealthHeiressTV The Holiday Sizzle Contest is starting! A podcast review = your name entered in the drawing 2 times A book review on Amazon = your name entered 3 times or if a verified purchase review, then 5 times. A podcast + book review (either verified purchase or not) = your name entered in the drawing 10 times. Prizes are: 11 Wealthy Mindset Blueprint audios (value $197 ea.) 11 Wealth Heiress books, with it personalized by moi. 3 winners will have a 1/2 hour wealth mentoring session with me (value $500). Drawing will occur January 1, 2019 and will be announced on the podcast. Financial freedom requires knowledge + action. Get my book, “You’re Already a Wealth Heiress, Now Think and Act Like One: 6 Practical Steps to Make It a Reality Now!” Available on Amazon: http://amzn.to/2Hy9qk4 International buyers (if you live outside of the US) can now get my book at http://amazon.co.uk Leave a book review on Amazon here:  https://amzn.to/2D4uBZ5 Join me on Instagram at http://Instagram.com/lindapjones The full library of my podcasts from he beginning are available at https://www.lindapjones.com/podcasts/ Please subscribe, rate and review the show. I really appreciate it! Today's sponsor is Audible. It's how I "read" more books. Get your first audiobook for FREE today (I recommend Think & Grow Rich), here: https://www.audibletrial.com/bewealthyandsmart    
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8 min
November 21, 2018
Should You Remodel or Start Investing?
Learn what I say in response to a listener's question about whether they should remodel their home or start investing. Here is the question: Hi Linda! I'm excited to follow you on YouTube in addition to your podcast. You are definitely an awesome mentor! What do you think about spending money to fix up your home - like update a kitchen or add a bathroom to crest a master bedroom suite? Is it better to invest it in the market and not improve your home? Signed, Monrnglry me Thank you! My answer will probably surprise you! Hear how you can through the process of determining where your money should go. The Holiday Sizzle Contest is starting! A podcast review = your name entered in the drawing 2 times A book review on Amazon = your name entered 3 times or if a verified purchase review, then 5 times. A podcast + book review (either verified purchase or not) = your name entered in the drawing 10 times. Prizes are: 11 Wealthy Mindset Blueprint audios (value $197 ea.) 11 Wealth Heiress books, with it personalized by moi. 3 winners will have a 1/2 hour wealth mentoring session with me (value $500). Drawing will occur January 1, 2019 and will be announced on the podcast. Financial freedom requires knowledge + action. Get my book, “You’re Already a Wealth Heiress, Now Think and Act Like One: 6 Practical Steps to Make It a Reality Now!” Available on Amazon: http://amzn.to/2Hy9qk4 International buyers (if you live outside of the US) can now get my book at http://amazon.co.uk Leave a book review on Amazon here:  https://amzn.to/2D4uBZ5 Join me on Instagram at http://Instagram.com/lindapjones The full library of my podcasts from he beginning are available at https://www.lindapjones.com/podcasts/ Please subscribe, rate and review the show. I really appreciate it! Today's sponsor is Audible. It's how I "read" more books. Get your first audiobook for FREE today (I recommend Think & Grow Rich), here: https://www.audibletrial.com/bewealthyandsmart    
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11 min
November 19, 2018
How to Set Your Subconscious Beliefs for Financial Freedom
Learn how to change your subconscious beliefs to the beliefs that will help you achieve financial freedom. How to change your limiting beliefs and create your own customized, fabulous, wealthy beliefs for financial freedom. I review common fears and how to rid yourself of these fears and replace them with positive beliefs. The Holiday Sizzle Contest is starting! A podcast review = your name entered in the drawing 2 times A book review on Amazon = your name entered 3 times or if a verified purchase review, then 5 times. A podcast + book review (either verified purchase or not) = your name entered in the drawing 10 times. Prizes are: 11 Wealthy Mindset Blueprint audios (value $197 ea.) 11 Wealth Heiress books, with it personalized by moi. 3 winners will have a 1/2 hour wealth mentoring session with me (value $500). Drawing will occur January 1, 2019 and will be announced on the podcast. Financial freedom requires knowledge + action. Get my book, “You’re Already a Wealth Heiress, Now Think and Act Like One: 6 Practical Steps to Make It a Reality Now!” Available on Amazon: http://amzn.to/2Hy9qk4 International buyers (if you live outside of the US) can now get my book at http://amazon.co.uk Leave a book review on Amazon here:  https://amzn.to/2D4uBZ5 Join me on Instagram at http://Instagram.com/lindapjones The full library of my podcasts from he beginning are available at https://www.lindapjones.com/podcasts/ Please subscribe, rate and review the show. I really appreciate it! Today's sponsor is Audible. It's how I "read" more books. Get your first audiobook for FREE today (I recommend Think & Grow Rich), here: https://www.audibletrial.com/bewealthyandsmart    
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15 min
November 16, 2018
2 Million Downloads - Celebration + Mindset + Surprise!
Learn where my favorite wealth building opportunity is and why mindset is so powerful. Thank you so much for 2 million all-time downloads! I'm so excited and you are the best audience! On this episode I give information about a growth segment of the economy that has the potential to create tremendous wealth in the future. A projected 17% compounded annual growth rate might even be too conservative. I also talk about the power of your mind and why it is an important wealth building tool to create financial freedom. My new Wealth Heiress TV channel is here: https://www.lindapjones.com/wealthheiresstv The Holiday Sizzle Contest is here. It's easy to win! A podcast review = your name entered in the drawing 2 times A book review on Amazon = your name entered 3 times or if a verified purchase review, then 5 times. A podcast + book review (either verified purchase or not) = your name entered in the drawing 10 times. Prizes are: 11 Wealthy Mindset Blueprint audios (value $197 ea.) 11 Wealth Heiress books, with it personalized by moi. 3 winners will have a 1/2 hour wealth mentoring session with me (value $500). Drawing will occur January 1, 2019 and will be announced on the podcast. Financial freedom requires knowledge + action. Get my book, “You’re Already a Wealth Heiress, Now Think and Act Like One: 6 Practical Steps to Make It a Reality Now!” Available on Amazon: http://amzn.to/2Hy9qk4 International buyers (if you live outside of the US) can now get my book at http://amazon.co.uk Leave a book review on Amazon here:  https://amzn.to/2D4uBZ5 Join me on Instagram at http://Instagram.com/lindapjones The full library of my podcasts from he beginning are available at https://www.lindapjones.com/podcasts/ Please subscribe, rate and review the show. I really appreciate it! Today's sponsor is Audible. It's how I "read" more books. Get your first audiobook for FREE today (I recommend Think & Grow Rich), here: https://www.audibletrial.com/bewealthyandsmart    
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36 min
November 14, 2018
Why Kevin O'Leary, Suze Orman, David Bach and Linda P. Jones Say New Cars Are a Bad Investment
Learn why Kevin O'Leary, Suze Orman, David Bach and Linda P. Jones say buying new cars is a big investing mistake. An article on CNBC.com quotes Kevin O'Leary, Suze Orman, and David Bach about why new cars are bad investments. The article is here: https://www.cnbc.com/2018/11/07/kevin-oleary-suze-orman-david-bach-dont-buy-a-new-car.html?recirc=taboolainternal I've been podcasting about this for years. Look at my other podcasts about cars that last 200,000 miles or more, low maintenance cars, and why the opportunity cost of a new car is too high at http://lindapjones.com/podcasts. Wealth requires knowledge + action. Get my book, “You’re Already a Wealth Heiress, Now Think and Act Like One: 6 Practical Steps to Make It a Reality Now!” Available on Amazon: http://amzn.to/2Hy9qk4 International buyers (if you live outside of the US) can now get my book at http://amazon.co.uk Join me on Instagram at http://Instagram.com/lindapjones The full library of my podcasts from he beginning are available at https://www.lindapjones.com/podcasts/ Please subscribe, rate and review the show. I really appreciate it! Today's sponsor is Audible - Get your first audiobook for FREE today, here: https://www.audible.com/lp/freetrial?source_code=PDTGBPD060314004R      
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10 min
November 12, 2018
How to Get $1 Million in Your IRA or 401(k)
Learn the 5 steps to maximize growth in retirement accounts like IRA's and 401(k)'s. The average 401(k) balance is about $107,000 and the average IRA balance is about $113,000. Million dollar plus accounts are up 41% over a year earlier. It's time to learn how to get your million dollar retirement account. As your wealth mentor, I show you how. Wealth requires knowledge + action. Get my book, “You’re Already a Wealth Heiress, Now Think and Act Like One: 6 Practical Steps to Make It a Reality Now!” Available on Amazon: http://amzn.to/2Hy9qk4 International buyers (if you live outside of the US) can now get my book at http://amazon.co.uk Join me on Instagram at http://Instagram.com/lindapjones The full library of my podcasts from he beginning are available at https://www.lindapjones.com/podcasts/ Please subscribe, rate and review the show. I really appreciate it! Today's sponsor is Audible - Get your first audiobook for FREE today, here: https://www.audible.com/lp/freetrial?source_code=PDTGBPD060314004R  
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20 min
November 9, 2018
Why the First $1 Million is the Hardest to Make
Learn why your first million dollars is the hardest to make and how to make it easier. I've always considered mindset an important part of wealth building even though many financial experts ignore it.  Wealth requires knowledge + action. Get my book, “You’re Already a Wealth Heiress, Now Think and Act Like One: 6 Practical Steps to Make It a Reality Now!” Available on Amazon: http://amzn.to/2Hy9qk4 International buyers (if you live outside of the US) can now get my book at http://amazon.co.uk Join me on Instagram at http://Instagram.com/lindapjones The full library of my podcasts from he beginning are available at https://www.lindapjones.com/podcasts/ Please subscribe, rate and review the show. I really appreciate it! Today's sponsor is Audible - Get your first audiobook for FREE today, here: https://www.audible.com/lp/freetrial?source_code=PDTGBPD060314004R  
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17 min
November 7, 2018
ENCORE: 3 Millionaires' Savings Secrets
Learn how 3 millionaires saved money and created a million dollars. Also learn why saving isn't the only thing you need to do to grow your savings into $1 million. Article is here: https://www.cnbc.com/2017/03/21/3-self-made-millionaires-share-their-no-1-money-saving-trick.html   Wealth requires knowledge + action. Get my book, “You’re Already a Wealth Heiress, Now Think and Act Like One: 6 Practical Steps to Make It a Reality Now!” Available on Amazon: http://amzn.to/2Hy9qk4 International buyers (if you live outside of the US) can now get my book at http://amazon.co.uk Join me on Instagram at http://Instagram.com/lindapjones The full library of my podcasts from he beginning are available at https://www.lindapjones.com/podcasts/ Please subscribe, rate and review the show. I really appreciate it! Today's sponsor is Audible - Get your first audiobook for FREE today, here: https://www.audible.com/lp/freetrial?source_code=PDTGBPD060314004R  
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10 min
November 5, 2018
New Contribution Limits for 401k's and IRA's in 2019
Learn what the new 401k and IRA contribution maximums are for 2019 and why you want to max out these accounts. The article is here: https://www.marketwatch.com/story/you-can-contribute-more-to-your-401k-and-ira-in-2019-2018-11-01 Our sponsor today is LinkedIn. To redeem a free $100 ad credit, go to
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18 min
November 2, 2018
Why Spending Investment Principal is a Huge Mistake
Learn why spending principal can be a huge mistake for wealth building. A nestegg of $40,000 invested at 10% for 35 years, would grow to $1,124,097...or you can have a new kitchen. Which would you rather have? Saving a nestegg is Step 2 of the Six Steps to Wealth. Keep the investing momentum going and keep your investment funds separate from your spending. Congratulations and thank you - we crossed 107,000 downloads last month, the first time we have exceeded 100,000 in one month. We are rapidly approaching 2 million all-time downloads. Thank you! You are the BEST audience! Wealth requires knowledge + action. Get my book, “You’re Already a Wealth Heiress, Now Think and Act Like One: 6 Practical Steps to Make It a Reality Now!” Available on Amazon: http://amzn.to/2Hy9qk4 International buyers (if you live outside of the US) can now get my book at http://amazon.co.uk Join me on Instagram at http://Instagram.com/lindapjones The full library of my podcasts from he beginning are available at https://www.lindapjones.com/podcasts/ Please subscribe, rate and review the show. I really appreciate it! Today's sponsor is Audible - Get your first audiobook for FREE today, here: https://www.audible.com/lp/freetrial?source_code=PDTGBPD060314004R  
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8 min
October 31, 2018
What Does High Consumer Confidence Mean?
Learn what consumer confidence reports mean, how they are calculated, and what it might portend for the economy in 2019. The first article is here: https://www.journal-news.com/news/consumer-confidence-hits-year-high-just-time-for-holiday-shopping/AWGGaH4Pd8iZE5hvQo4huK/ The second article is here: https://data.oecd.org/leadind/consumer-confidence-index-cci.htm The third article is here: https://247wallst.com/economy/2018/10/30/consumer-confidence-roars-to-18-year-high-ahead-of-holidays/amp/ Wealth requires knowledge + action. Get my book, “You’re Already a Wealth Heiress, Now Think and Act Like One: 6 Practical Steps to Make It a Reality Now!” Available on Amazon: http://amzn.to/2Hy9qk4 International buyers (if you live outside of the US) can now get my book at http://amazon.co.uk Join me on Instagram at http://Instagram.com/lindapjones The full library of my podcasts from he beginning are available at https://www.lindapjones.com/podcasts/ Please subscribe, rate and review the show. I really appreciate it! Today's sponsor is Audible - Get your first audiobook for FREE today, here: https://www.audible.com/lp/freetrial?source_code=PDTGBPD060314004R 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.    
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12 min
October 29, 2018
What Caused the Stock Market Volatility in October 2018?
Learn why the stock market has been extra volatile and what the outlook is going forward. Our sponsor today is LinkedIn. To redeem a free $100 ad credit, go to
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16 min
October 26, 2018
Why I Disagree With Mark Cuban About What to Do With Your Lottery Winnings
475: Learn why Mark Cuban's advice to put all of your winnings in the bank is the wrong move and what you should do. This is Part 3 of my Lottery series of podcasts. Part 2 received HUGE downloads, so thank you! The article is here: https://www.cnbc.com/2018/10/24/mark-cuban-to-lottery-winners-dont-invest-the-money.html?recirc=taboolainternal I disagree with putting it all in the bank, because FDIC coverage is limited to $250,000 per bank, per depositor. The bank does not always have a broad selection of investment options. There's so much that doesn't make sense in this article, I suggest you listen to it to hear all of my concerns! If you want to know what I think you should do with a large amount of sudden wealth, go to podcast #429, "7 Ways to Maintain Your Sudden Wealth" and #75, an earlier podcast I did about sudden wealth. You'll have to go to my website for #75, at http://lindapjones.com. Wealth requires knowledge + action. Get my book, “You’re Already a Wealth Heiress, Now Think and Act Like One: 6 Practical Steps to Make It a Reality Now!” Available at Amazon: http://amzn.to/2Hy9qk4 International buyers can now get my book at http://amazon.co.uk Join me on Instagram at http://Instagram.com/lindapjones All podcasts are available at http://lindapjones.com/podcasts Please subscribe, rate and review the show.  Today's sponsor is Audible - Get your first audiobook for FREE today, here: https://www.audible.com/lp/freetrial?source_code=PDTGBPD060314004R 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.    
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14 min
October 24, 2018
Why the $1.5 Billion Lottery Jackpot Isn't As Big As You Think It Is
Learn how much you really net after taxes, why the lottery is overrated, and how you can create your own abundance and prosperity. There was one lucky winner of the $1.5 billion lottery jackpot. How much will the check really be for, after state and federal taxes? This is part 2 of my lottery podcasts. If you haven't listened to podcast #473, I suggest you listen to it too. The article is here: https://www.cnbc.com/2018/10/24/biggest-us-mega-millions-and-powerball-lottery-prizes-ever.html Why do most lottery winners go broke within 5 years? Are huge mansions and diamonds the size of ice cubes going to make you happy or happier?  How can you use the lottery jackpot to inspire your own personal wealth plan to financial freedom? Wealth requires knowledge + action. Get my book, “You’re Already a Wealth Heiress, Now Think and Act Like One: 6 Practical Steps to Make It a Reality Now!” Available at Amazon: http://amzn.to/2Hy9qk4 Join me on Instagram at http://Instagram.com/lindapjones All podcasts are available at http://lindapjones.com/podcasts Please subscribe, rate and review the show.  Today's sponsor is Audible - Get your first audiobook for FREE today, here: https://www.audible.com/lp/freetrial?source_code=PDTGBPD060314004R 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.  
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16 min
October 22, 2018
Why You Don't Have to Win a $1.6 Billion Lottery Jackpot to Be Rich & Happy
Learn why winning the lottery jackpot isn't necessary for you to have financial freedom or be happy. There is a happiness satiation point, usually around a $105,000 annual income, according to research (see podcast #414). More money doesn't make you happier, but spending does give you a temporary high. The endorphins only last a few days, requiring you to continue spending to keep the endorphins flowing. This can end badly and has for many lottery winners. Instead, take control of your wealth building and follow the 6 Steps to Wealth, especially saving a nestegg, investing in a money engine and compounding at a high rate. I give an example from the Wealth Heiress book of 2 people earning the same amount of money, but because they make different choices, one ends up broke, the other, a millionaire.  This could be my edgiest podcast yet! Don't miss it! Wealth requires knowledge + action. Get my book, “You’re Already a Wealth Heiress, Now Think and Act Like One: 6 Practical Steps to Make It a Reality Now!” Available at Amazon: http://amzn.to/2Hy9qk4 Join me on Instagram at http://Instagram.com/lindapjones All podcasts are available at http://lindapjones.com/podcasts Please subscribe, rate and review the show.  Today's sponsor is Audible - Get your first audiobook for FREE today, here: https://www.audible.com/lp/freetrial?source_code=PDTGBPD060314004R 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.  
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14 min
October 19, 2018
Why You Should Hold During Stock Market Meltdowns
Learn why selling can be a huge mistake, how a few days can make a huge difference and how to reduce risk.   The link to my Forbes.com article is here: https://www.forbes.com/sites/nextavenue/2018/10/16/what-to-do-after-a-stock-market-crash/#59fc579f77df Wealth requires knowledge + action. Get my book, “You’re Already a Wealth Heiress, Now Think and Act Like One: 6 Practical Steps to Make It a Reality Now!” Available at Amazon: http://amzn.to/2Hy9qk4 Join me on Instagram at http://Instagram.com/lindapjones All podcasts are available at http://lindapjones.com/podcasts Please subscribe, rate and review the show.  Today's sponsor is Audible - Get your first audiobook for FREE today, here: https://www.audible.com/lp/freetrial?source_code=PDTGBPD060314004R 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.  
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18 min
October 17, 2018
How to Be Savvy With Debt
Learn how other people's money (OPM) and the smart use of debt can build your wealth. Not all debt is inherently bad! Why is mortgage debt triggering people? Mortgage rates are only 5% for 30 years and are partially tax-deductible. Credit cards with high interest rates are the real culprit! Don't use debt for depreciating assets. Mortgages can be great forced savings plans because the debt will become equity. In this podcast I help you think through why you may want to set up a retirement plan before paying off your mortgage. Wealth requires knowledge + action. Get my book, “You’re Already a Wealth Heiress, Now Think and Act Like One: 6 Practical Steps to Make It a Reality Now!” Available at Amazon: http://amzn.to/2Hy9qk4 Join me on Instagram at http://Instagram.com/lindapjones All podcasts are available at http://lindapjones.com/podcasts Please subscribe, rate and review the show.  Today's sponsor is Audible - Get your first audiobook for FREE today, here: https://www.audible.com/lp/freetrial?source_code=PDTGBPD060314004R 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.  
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16 min
October 15, 2018
Preparing for the Next Stock Market Crisis
Learn how bubbles and cycles were discovered and how to use them to become a better investor. A photo of the graph is on my website at http://lindapjones.com/podcasts, episode #470. Wealth requires knowledge + action. Get my book, “You’re Already a Wealth Heiress, Now Think and Act Like One: 6 Practical Steps to Make It a Reality Now!” Available at Amazon: http://amzn.to/2Hy9qk4 Join me on Instagram at http://Instagram.com/lindapjones All podcasts are available at http://lindapjones.com/podcasts Please subscribe, rate and review the show.  Today's sponsor is Audible - Get your first audiobook for FREE today, here: https://www.audible.com/lp/freetrial?source_code=PDTGBPD060314004R 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.  
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18 min
October 12, 2018
ENCORE: Why Saving Money Can Make You Rich
Learn why saving money is so important to wealth building. Wealth requires knowledge + action. Get my book, “You’re Already a Wealth Heiress, Now Think and Act Like One: 6 Practical Steps to Make It a Reality Now!” Available at Amazon: http://amzn.to/2Hy9qk4 Join me on Instagram at http://Instagram.com/lindapjones All podcasts are available at http://lindapjones.com/podcasts Please subscribe, rate and review the show.     Today's sponsor is 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 at http://www.audibletrial.com/BeWealthyandSmart 
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8 min
October 10, 2018
Are Higher Interest Rates Going to Slow the Real Estate Market?
Learn about interest rates, home prices and building stock trends. The article is here: https://www.cnbc.com/2018/10/09/mortgage-rates-jump-past-5percent-signaling-more-home-price-cuts-ahead.html Wealth requires knowledge + action. Get my book, "You're Already a Wealth Heiress, Now Think and Act Like One: 6 Practical Steps to Make It a Reality Now!" Now available on Amazon here: http://amzn.to/2Hy9qk4 Join me on Instagram.com/lindapjones. All podcasts are available here: http://lindapjones.com/podcasts Please subscribe, rate and review the show.
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12 min
October 8, 2018
Fund Performance Through September 30, 2018
Learn what the best performing U.S. Diversified Stock and Overseas Stock categories are YTD from Lipper Inc. via Investor's Business Daily. The link to the chart is here: http://lindapjones.com/fund-performance-september-30-2018 Wealth requires knowledge + action. Get my book, "You're Already a Wealth Heiress, Now Think and Act Like One: 6 Practical Steps to Make It a Reality Now!" Now available on Amazon here: http://amzn.to/2Hy9qk4 Join me on Instagram.com/lindapjones. All podcasts are available here: http://lindapjones.com/podcasts Please subscribe, rate and review the show.
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9 min
October 5, 2018
Review of the Stash App
Learn what the pros and cons are about the Stash app. I want to stop here for a moment and talk about your health, because what good is wealth if you’re not healthy? Good health is an important asset! That’s why I want to tell you about Care/of. Care/of delivers your vitamins right to your door in personalized, easy to remember daily packs - perfect for a busy, on-the-go lifestyle. It’s personalized for your needs because Care/of’s online quiz asks you about your diet, health goals, and lifestyle choices and takes only 5 minutes to find out what vitamins and supplements you specifically need. When I took the quiz, I was looking for more energy and it gave me suggestions that were cutting edge. You can track your progress with the care/of app and earn rewards when you remember to take your vitamins. Care/of’s delicious, nutrient packed quick stick powders can be added to your monthly delivery for an extra, easy boost wherever you need it. Your monthly subscription can be modified at any time. There’s a special discount for a limited time. For 25% off your first month of personalized care/of vitamins, visit takecareof.com and enter “wealth.” That’s www.takecareof.com, promo code “wealth” and save 25% your first month. Invest in yourself and your health. Wealth requires knowledge + action. Get my book, "You're Already a Wealth Heiress, Now Think and Act Like One: 6 Practical Steps to Make It a Reality Now!" Now available on Amazon here: http://amzn.to/2Hy9qk4 Join me on Instagram.com/lindapjones. All podcasts are available here: http://lindapjones.com/podcasts Please subscribe, rate and review the show.
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15 min
October 3, 2018
What Are Public Service Loan Forgiveness Programs?
Learn about public service loan forgiveness programs and what you need to do to qualify. Less than 1% of people are qualifying for these programs. Learn what you need to qualify and how one woman had $50,000 of debt forgiven using them. The article is here: https://www.cnbc.com/2018/10/02/tips-from-one-of-the-first-public-servants-to-get-their-student-loans-erased.html Wealth requires knowledge + action. Get my book, "You're Already a Wealth Heiress, Now Think and Act Like One: 6 Practical Steps to Make It a Reality Now!" Now available on Amazon here: http://amzn.to/2Hy9qk4 Join me on Instagram.com/lindapjones. All podcasts are available here: http://lindapjones.com/podcasts Please subscribe, rate and review the show.
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8 min
October 1, 2018
What is Dollar Cost Averaging?
Learn how dollar-cost-averaging allows you to invest in the stock market at highs and lows. Dollar-cost-averaging helps take advantage of lower prices automatically, but financial advisors may argue that it's best to invest all at once. What do I recommend and why? Wealth requires knowledge + action. Get the book, "You're Already a Wealth Heiress, Now Think and Act Like One: 6 Practical Steps to Make It a Reality Now!" Now available on Amazon here: http://amzn.to/2Hy9qk4 Join me on Instagram.com/lindapjones. All podcasts are available here: http://lindapjones.com/podcasts Please subscribe, rate and review the show.
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12 min
September 28, 2018
Worldwide Real Estate Bubbles
Learn what cities are overvalued and which one is undervalued. According to a UBS study, many cities are overvalued. One is undervalued.  The article is here: https://www.cnbc.com/2018/09/27/ubs-real-estate-bubble-index-reveals-property-crash-risk.html Wealth requires knowledge + action. Get the book, "You're Already a Wealth Heiress, Now Think and Act Like One: 6 Practical Steps to Make It a Reality Now!" Now available on Amazon here: http://amzn.to/2Hy9qk4 Join me on Instagram.com/lindapjones. All podcasts are available here: http://lindapjones.com/podcasts Please subscribe, rate and review the show.
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8 min
September 26, 2018
4 Ways to Reduce Oppressive Debt
Learn how to reduce debt when you can barely make ends meet, answer to a listener question. Sally asks: Hi Linda, I just wondered about your thoughts in my situation. I am in a lot of debt and so is my husband. We made a commitment to paying  it all off in 5 years and are currently in year 3. We have twins about to turn 13. My issue is whilst we are paying the  debt we are struggling to make ends meet and I feel like my wage is only lasting roughly a week every month... so whilst making all the debt payments - typically 50 pounds each debt a month... I’m struggling to enjoy things like treats/holidays and even basics - shoes etc. By the way I do everything I can on a budget and think about how to cutback everyday but it’s putting me in a lack frame of mind. I feel like I’m always behind. Is there a better way to do what I’m doing? Should I pay less to my debtors for longer In order to live/ manage now? I review 4 choices she has to move forward and reduce debt. Wealth requires knowledge + action. Get the book, "You're Already a Wealth Heiress, Now Think and Act Like One: 6 Practical Steps to Make It a Reality Now!" Now available on Amazon here: http://amzn.to/2Hy9qk4 Join me on Instagram.com/lindapjones. Please subscribe, rate and review the show.
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12 min
September 24, 2018
Short-Cut Hacks for Entrepreneurs
Learn 10 hacks from an entrepreneur who became a millionaire by age 30. The article is here: https://www.cnbc.com/2018/09/12/advice-for-entrepreneurs-millennial-multimillionaire-tips-for-success.html Wealth requires knowledge + action. Get the book, "You're Already a Wealth Heiress, Now Think and Act Like One: 6 Practical Steps to Make It a Reality Now!" Now available on Amazon here: http://amzn.to/2Hy9qk4 Join me on Instagram.com/lindapjones. Please subscribe, rate and review the show.
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21 min
September 21, 2018
What to Do If the Real Estate Market Crashes
Learn 3 strategies to help you recover if real estate prices decline. From the book, "You're Already a Wealth Heiress, Now Think and Act Like One: 6 Practical Steps to Make It a Reality Now!" Now available on Amazon here: http://amzn.to/2Hy9qk4 Join me on Instagram.com/lindapjones. Please subscribe, rate and review the show. Today's episode is sponsored by EveryPlate. What do you do when you’re too tired to cook, but want something quick and healthy, that doesn’t cost a fortune? I have a great suggestion for you. It’s called EveryPlate. You get pre-measured ingredients and delicious, filling recipes delivered straight to your door every week, starting at only $4.99 a meal. Think about it, you can leverage your time without it costing any more than a cup of coffee. That means less time deciding what to cook and more time enjoying good food with your family. It arrives at your home, all figured out, shopped and measured with recipes for you. For 50% off your first box, go to everyplate.com use promo code “wealth”. There’s no committment. You can skip weekly deliveries or close your account at any time. I was just talking on one of my podcasts how eating out in restaurants can really add up, now you have a great tasting, healthy, less expensive alternative with everyplate! Think about it, one meal costs about the same price as a cup of coffee! It’s a cheaper, healthier alternative to take out! Check out the delicious meals and get your first week of meals for only $2.50 per serving. That’s like 2 dinners for the price of one cup of coffee. Get 50% off, go to everyplate.com use promo code “wealth”. That’s everyplate.com, promo code wealth. I’ll leave a link in the show notes.
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11 min
September 19, 2018
Mindset to Millionaire
Learn what the next steps are after mindset and how the world's richest woman went from mindset to billionaire. Get my new book "You're Already a Wealth Heiress, Now Think and Act Like One: 6 Practical Steps to Make It a Reality Now!" Click here: http://amzn.to/2Hy9qk4 Join me on Instagram for daily wealth tips at http://instagram.com/lindapjones. Please subscribe, rate and review the podcast. Get the full library of podcasts at http://lindapjones.com/podcasts
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13 min
September 17, 2018
Fintech Trends of 2018 with Joe Saul-Sehy from Stacking Benjamins
Learn new trends in financial technology (fintech), apps and education. Get my new book "You're Already a Wealth Heiress, Now Think and Act Like One: 6 Practical Steps to Make It a Reality Now!" Click here: http://amzn.to/2Hy9qk4 Join me on Instagram for daily wealth tips at http://instagram.com/lindapjones. Please subscribe, rate and review the podcast. Get the full library of podcasts at http://lindapjones.com/podcasts
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29 min
September 14, 2018
Debunking Myths About Wealth Building
Learn myths about wealth building from my own experience as I wrote about in the Wealth Heiress book. These are my own opinions from my experience building wealth. Get my new book "You're Already a Wealth Heiress, Now Think and Act Like One: 6 Practical Steps to Make It a Reality Now!" Click here: http://amzn.to/2Hy9qk4 Join me on Instagram for daily wealth tips at http://instagram.com/lindapjones. Please subscribe, rate and review the podcast. Get the full library of podcasts at http://lindapjones.com/podcasts
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24 min
September 12, 2018
Small Caps Are Out-Performing - Should You Add to Asset Allocation?
Learn why you need small caps in your asset allocation. Many people only have the S & P 500 Index in their portfolio and think they are well diversified. They aren't. Here's why small caps are and why they belong in your portfolio. Performance for this year is stellar.  How are international and emerging markets performing? Which ones are best and worst? Get my new book "You're Already a Wealth Heiress, Now Think and Act Like One: 6 Practical Steps to Make It a Reality Now!" Click here: http://amzn.to/2Hy9qk4 Join me on Instagram for daily wealth tips at http://instagram.com/lindapjones. Please subscribe, rate and review the podcast. Get the full library of podcasts at http://lindapjones.com/podcasts
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16 min
September 10, 2018
Wills and Inheritances: Pitfalls to Avoid
Learn about what to do and not do when it comes to wills and inheritances. Interview with Doug Goldstein on The Inheritance Book. Please subscribe, rate and review the podcast. All Be Wealthy & Smart podcasts can be found here: http://lindapjones.com/podcasts Get my new book, "You're Already a Wealth Heiress, Now Think and Act Like One: 6 Practical Steps to Make It a Reality Now!" here: http://amzn.to/2Hy9qk4
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13 min
September 7, 2018
Trends of the Ultra Wealthy
Learn trends about the wealthy that may impact how and where you make money. This is from an article about the Ultra High New Worth here: https://markets.businessinsider.com/news/stocks/new-report-reveals-world-s-ultra-wealthy-population-growing-at-nearly-four-times-the-rate-of-previous-year-1027510947 Learn more about my new book, "You're Already a Wealth Heiress, Now Think and Act Like One: 6 Practical Steps to Make It a Reality Now!" at http://lindapjones.com/book All of my podcasts are available here: http://lindapjones.com/podcasts Please subscribe and leave a review!
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11 min
September 5, 2018
The Wealth Building Formula (McT) From My Wealth Heiress™ Book
Learn the way to overcome any obstacles you face that are keeping you from attaining financial freedom. The Wealth Building Formula (McT) is important to know so that you will know exactly what to do to overcome challenges you face to building wealth. To listen to all of my podcasts, click here: http://lindapjones.com/podcasts. To get my new book  "You're Already a Wealth Heiress, Now Think and Act Like One: 6 Practical Steps to Make It a Reality Now!" click here: http://amzn.to/2Hy9qk4 Join the fun, daily wealth tips on Instagram here: http://instagram.com/lindapjones.    
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29 min
September 3, 2018
Aretha Franklin Died Without a Will (Intestate) & What That Means
Learn the consequences of Aretha Franklin (or anyone) not having a will and what it means for you if you don't have a will. Even though Aretha Franklin had reportedly about $80 million in assets, she did not have a will and died intestate. Her lawyer tried to get her to make a will, but she wasn't interested. What will happen now and why do YOU need a will? Listen to my full library of podcasts at http://lindapjones.com/podcasts. Get wealth building tips, quotes, and insights by following me on Instagram at http://instagram.com/lindapjones.    
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10 min
August 31, 2018
Is Luxury Real Estate Crashing?
Learn what is happening in luxury real estate in major US cities. I share an article from cnbc.com and give you my thoughts about what is happening with luxury real estate and what it means for residential real estate in your city.
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11 min
August 29, 2018
Roth and Traditional IRA's and 401(k)'s: How to Choose
Learn which IRA is right for you and how you know. Article from Investor's Business Daily. Get all episodes of Be Wealthy & Smart, here. Check out my new book, “You’re Already a Wealth Heiress, Now Think and Act Like One: 6 Practical Steps to Make It a Reality Now!” on Amazon.  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! Please rate, review and subscribe to the podcast.
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9 min
August 22, 2018
ENCORE: Why Paying Off Your Home Mortgage Might Be a Bad Idea
Learn the pros and cons of paying off your mortgage, why opportunity cost matters and the one reason you might consider all the facts and choose a different course of action.
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15 min
August 17, 2018
ENCORE: Billionaire Sara Blakely Reframed the Word "Failure"
Learn how billionaire Sara Blakely learned to reframe to word “failure”. Sara Blakely, founder of Spanx, is the youngest, female self-made billionaire in history. Learn why reframing the word “failure” helped her become successful. Get all the podcasts at http://lindapjones.com/podcasts Check out my new book here: https://www.lindapjones.com/how-to-get-rich-101/ Please subscribe, leave a rating and review the podcast.
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8 min
August 15, 2018
The Most Common Misconception About Money
Learn why saving less than you spend is not the magic bullet and what is. There is a misconception that all you have to do is save and not spend money and you will magically end up wealthy.  It's simply not true. You'd have to earn millions, pay for living expenses and save millions in order for that to be true. Wealth is a result of making the right choices and decisions. In this podcast I share the story of 2 people earning $40,000 each, but one ends up a millionaire and the other ends up in poverty in 30 years.  It's based on concepts from my new book "You're Already a Wealth Heiress, Now Think and Act Like One: 6 Practical Steps to Make It a Reality Now!" I show you exactly how to make wealth building as simple as possible so you can achieve financial freedom. Get the Wealth Heiress book here: http://amzn.to/2Hy9qk4 Sign up for daily wealth inspiration on Instagram here: http://instagram.com/lindapjones Please subscribe, rate and review the podcast!
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15 min
August 13, 2018
ENCORE: Most Expensive and Least Expensive Cars to Maintain
Learn which cars are the most expensive and least expensive to maintain and what problems occur with greater frequency in some car models. The charts mentioned in the podcast are here. Find all Be Wealthy & Smart podcasts here. Get wealth tips here. Get my new book, “You’re Already a Wealth Heiress, Now Think and Act Like One: 6 Practical Stepsto Make It a Reality Now!” Some of the highlights in the book include:   The 6 Steps to Wealth A Wealth Checklist™ for easy reference of actions to take for financial freedom The Millionaire Action Plan (MAP)™ to become a millionaire The Wealth Building Formula (McT)™ Success stories of women entrepreneurs that went from $0 to wealthy How to build wealth, no matter how much or how little money you are starting with, and whatever your age is. How to overcome obstacles keeping you from achieving your financial goals   This may be for you, your sister, mother, girlfriend, wife, grandmother, cousin or friend. Available at Barnes & Noble, Amazon & bookstores. Please rate, review and subscribe to the podcast on the purple app on your phone.  Thank you!  
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12 min
August 10, 2018
Is Charlie Sheen the Latest Celebrity to Go Broke?
Learn why actor Charlie Sheen seems to be the latest high-income earning celebrity to have financial troubles. Income is not the problem - replenishing it is. I review why that is and what he should do about it. Even if you're not making millions of dollars, the principles of investing to provide income are the same. Please rate, review and subscribe to the podcast. Get all episodes of Be Wealthy & Smart here: http://lindapjones.com/podcasts. Check out my new book, "You're Already a Wealth Heiress, Now Think and Act Like One: 6 Practical Steps to Make It a Reality Now!" on Amazon here: amzn.to/2Hy9qk4
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9 min
August 8, 2018
When Will There Be a Bitcoin ETF?
Learn the latest news regarding the regulation and introduction of Bitcoin exchange traded funds (ETFs). Many people would like to see a Bitcoin ETF.  The Securities and Exchange Commission (SEC) is currently reviewing it. There is a blockchain technology ETF, symbol KOIN, and an electric car technology ETF, symbol EKAR. Find all Be Wealthy & Smart podcasts at http://lindapjones.com/podcasts. Get wealth tips at http://instagram.com/lindapjones. Please rate, review and subscribe to the podcast on the purple app on your phone.  Thank you!    
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8 min
August 6, 2018
Will Kylie Jenner Become the Youngest Self-Made Billionaire?
Learn whether or not Kylie is self-made and why she has something important to teach us. Kylie Jenner was recently mentioned in Forbes magazine as potentially, the youngest self-made billionaire, surpassing Mark Zuckerberg. She turns age 21 on August 10, 2018. There’s a debate as to whether she is really self-made. Let's look at the facts: She was born into a famous family Kylie grew up famous She is currently on a TV show KUWTK Someone else paid for plastic surgery to improve her looks and lip fillers to broaden her lips Her Instagram had some help getting to 100 million followers because she was born famous However, Sister Kim is more famous and is #54 on Forbes list Kylie came up with product/business idea herself Invested $250k of her own money from modeling Owns 100% of the company Her lip kit priced at $29 was affordable She spends nothing on advertising Has a limited staff and outsources product & sales Uses her influence well So maybe she’s not technically self-made, but that doesn’t mean she’s not a fantastic, talented business woman. Kudos to Kylie! Other Be Wealthy & Smart podcasts can be found at http://lindapjones.com/podcasts Join my Instagram page at http://instagram.com/lindapjones Please Subscribe and leave a Review!
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15 min
August 3, 2018
Design a Lifestyle on Passive Income With Ali Boone
Learn how to create the lifestyle you want using passive income. Interview with entrepreneur and investor Ali Boone. She shares how to outsource to create your team, how to generate multiple streams of income and how to find a mentor. Resources mentioned include the book, "Four Hour Work Week" by Tim Ferriss, outsourcing by Upwork.com, and AliBoone.com. Checkout Be Wealthy & Smart podcast #40 where I discuss designing your lifestyle in detail at: https://www.lindapjones.com/design-a-business-for-your-lifestyle/ Please subscribe and leave a review!          
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26 min
August 1, 2018
Affirmations to Overcome Debt
Learn how to replace limiting beliefs with positive statements to help propel you out of debt. In the podcast, I explain why affirmations work (even if they haven't worked for you in the past), the trick to overcoming your subconscious arguing with you, reasons why they work, and all the details to change your beliefs and dump the debt. I also share the 3 things you must have in an affirmation to make it work.  My system has 2 parts to creating affirmations. First you make a statement that you want to be true (but isn’t yet), then you make an already true statement. Like this:⠀ ⠀ 1. I have all the money I need to live on and a lot left over at the end of every month. (You want this to be true).⠀ ⠀ 2. My name is _______________. (This is already true).⠀ ⠀ 3. It’s easy to pay my bills and meet all my financial obligations.⠀ ⠀ 4. I live in ________________. (state or country)⠀ ⠀ 5. Money is attracted to me and keeps showing up in increasing amounts.⠀ ⠀ 6. I have ____________ (color) eyes.⠀ ⠀ 7. My credit cards are clear of any balances.⠀ ⠀ 8. My mother’s name is ____________.⠀ ⠀ Write these on an index card and say them at least twice a day.⠀ ⠀ Your subconscious should be replacing it’s old beliefs with healthier new beliefs. ⠀ ⠀ From there, your actions will begin to match your new beliefs.⠀ ⠀ In about 40 days, notice if you’re thinking differently about money and if your financial situation with credit card debt has changed, let me know.⠀ More information about affirmations can be found on podcast number 21 by going to http://lindapjones.com/podcasts and then clicking on number 21. My book is now available on Amazon: "You're Already a Wealth Heiress, Now Think and Act Like One. Six Practical Steps to Make it a Reality Now." Get the Millionaire Action Plan (MAP) and Wealth Checklist in the book, here: http://amzn.to/2Hy9qk4  Buy it for yourself and/or the women in your life. Please subscribe to the podcast and leave a review! ⠀
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17 min
July 30, 2018
ENCORE: Where Can I Invest and Find High Rates?
Learn where to invest and find high rates. It’s listener question Friday! Dear Linda,   I love your podcasts! They are simply fabulous! I am wondering where can I get some financial products with a high rate of compounding? Let’s say 8 to 10%. I need your great help for that, Linda. Thank you very much. Best regards, Marie I wish 8 to 10% was so easy! Be careful when reaching for yield. A friend of mine was pitched 5.5% junk bonds that weren’t diversified and were 30 year bonds! He was actually considering them because a “friend” recommended them. High yields equal high risk. Bank yields are paying maybe 1% to 2%. Ten year bonds are 1.5%. How can you get 5.5? Lower the quality - but you don’t want to do that. Consider alternative investments - but they can be complex. Dividends on stocks - but it entails risk to principal. There’s no easy answer for a “guaranteed” rate. But here’s the question: should you be investing for growth instead of income anyway? Growth does involve risk, but over the long-term risk is minimized and returns are maximized. Get started investing to grow your wealth. I read 3 Testimonials from iTunes. Have you left me one yet? Please leave a review and subscribe to the podcast! All episodes are found at http://lindapjones.com/podcasts.
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14 min
July 25, 2018
ENCORE: How to Stop Spending Unconsciously
Learn why spending to save money can be a trap. Shopping - have you ever still had tags on clothes you’ve never worn in the closet? How does that happen? Something happened that I wasn’t conscious of until now. I bought 2 velour sweatsuits. Looked at other pieces but didn’t like them. Next they were on sale. I picked out 5 to try on, even though I didn’t like them the week before. Suddenly I was convincing myself that they were such a good deal I should just get all 5! Then I caught myself. Wait a minute. I don’t even like them! The “savings” idea had taken over my logical brain! This is how we get clutter, clothes we don’t wear, etc. It has to be based on price because if we liked it, we would wear them! Our closets get full of shoes and clothes that we “collect”, but we can only wear one at a time. If you wore one pair of shoes or one top without repeating, how many days until it took you to wear them all? Are you not going to wear something, in order to wear this? Closets are becoming poverty traps! Money is pouring into things we don’t even wear while retirement accounts go without funding. Next time you are buying multiples, ask yourself, do I really like these? Do I want to wear them tomorrow? Because if you’re not excited to wear it, you don’t really want it. “Saving” by spending is a fallacy. The only real saving is putting money into an account where your net worth increases. Hit the subscribe button for instant notice of new podcasts!  
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10 min
July 23, 2018
How Millennials Can Become Millionaires
Learn what to do so that you can become a millionaire, whether you are a Millennial or not. Wealth building tips are not just for young people. Learn what to do to grow your money into millions, no matter what your age is. Please subscribe to the podcast and leave a review!
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10 min
July 20, 2018
Top Performing ETFs
Learn what and where the top performing ETFs are. There are ETFs with better performance than the S & P 500 on a YTD, 3 year and 5 year basis. In this podcast, I share where the best performing ETFs are and why asset allocation is important. The performance chart is available on my website at http://lindapjones.com/podcasts, then go to podcast 437. Please subscribe and leave a review!
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14 min
July 18, 2018
What Rich People Talk About With Their Advisors
Learn what topics are important to high net worth clients. This is from an article in Investor's Business Daily. I encourage you, no matter how much or how little money you have, to start modeling the wealthy. As your wealth mentor, I keep you updated on the most important topics for you to know. Today, we are discovering the topics that are most important for your wealth building.    Please subscribe and leave a review!      
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13 min
July 16, 2018
Wheelbarrow Profits Real Estate Investing with Jake and Gino
Learn how 2 investors started with $30k and now control over $55 million in real estate. Jake and Gino host the Wheelbarrow Profits podcast and are authors of the book by the same name.  They talk with me about 3 reasons for success: 1. Buy right 2. Manage right 3. Finance right Learn how to make multi-family 'green', how to determine what buildings to make an offer on, how to get financing, and more. Get more information on their website at http://jakeandgino.com.   Please subscribe to the podcast and leave a review!
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30 min
July 13, 2018
5 Components to Your Credit Score
Learn the 5 components to your FICO credit score and how to improve your score. Get my other recent podcasts about credit, podcast #432, 430, 251, 367. All podcasts are available at http://lindapjones.com/podcasts. Please subscribe and leave a review!
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15 min
July 11, 2018
World Stock Market Returns
Learn what international stock markets are performing the best and worst. Returns are year-to-date thru July 9, 2018. The graphic is on my website at http://lindapjones.com/podcasts Please subscribe and leave a review!
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7 min
July 9, 2018
How to Get a Free Credit Report
Learn how to get a free credit report and why it is so important to improving your credit. I received a listener letter. In response the the episode about making one phone call to make good credit great, Brian said: Linda you are THE BEST...I have been wondering how to boost my credit score now that it's gotten a lot higher since I met you! Thanks Brian! Good credit is a matter of doing a few things right consistently. It’s not hard to do if you pay attention to your credit.   Thank you to people who have left reviews for the show! Please subscribe and leave me a review on iTunes or Stitcher Radio. All of my podcasts can be found at http://lindapjones.com.
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6 min
July 6, 2018
Investing Apps and Cash Flow
Learn my responses to listener questions about the Robin Hood and Fundrise apps and investing for cash flow. All of my podcasts are available at http://lindapjones.com/podcasts. Please subscribe and leave a review for the podcast!
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17 min
July 4, 2018
The Debt Diamond™ Pays Off Debt Cheaper and Improves Credit Scores Faster
The Debt Diamond™ is the most valuable method to dump your debt. (Diamond like the gemstone, an upside down triangle or funnel shape). It pays your most expensive debt off first, saving you thousands in interest. It allows your credit score to be repaired and rise the fastest. Recently I saw an article that 42 million Americans believe that carrying a balance will improve their credit score. That is not correct! The article is here: https://www.knoxnews.com/story/money/personalfinance/2018/07/02/credit-rating-mistake-carry-balance-improve-fico-credit-score/745406002/ In this podcast, I share with you the 5 parts to a credit score, what each one means and how to improve your credit score. I also share why the Debt Diamond method is the best way to pay off your debt and fastest way to improve your credit score. All 430 Be Wealthy & Smart podcasts can be found at http://lindapjones.com/podcasts Please review and subscribe to the podcast.
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19 min
July 2, 2018
7 Ways to Maintain Your Sudden Wealth
Learn the 7 ways to keep all of the sudden wealth you encounter. Seventy (70%) of people who inherit money have $0 left within 5 years. There's one reason why that happens! Learn what to do so that your money is replenished and never runs out. See all 400 podcasts at http://lindapjones.com/podcasts. Please leave a review!
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22 min
June 29, 2018
6 Tips to Avoid ATM Fees
Learn ways to avoid paying ATM fees to access your own money. Banks earn $1 billion annually on ATM fees. I have eliminated ATM fees completely and suggest you do too. Here are 6 ways to easily avoid paying ATM fees.
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12 min
June 27, 2018
8 Things Rich People Believe
Learn 8 things that rich people believe and how it can help your wealth building. The article is here: http://www.cnbc.com/2016/10/11/8-ways-rich-people-view-the-world-differently-than-the-average-person.html  
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22 min
June 22, 2018
5 Reasons to Become a Good Saver
Learn why it's important to have more cash available and what to do with it. Step 2 of the “6 Steps to Wealth” is Save a Nestegg. I’m talking about having cash available. You should become a good saver because: 1. It is a good financial habit. You are less likely to have financial trouble if you are good at saving. 2. You have an emergency fund available. Should anything happen that was unexpected, you have cash available to pay for it and won’t have to use credit cards with high interest rates. 3. It gives you options. If you save a lot of money you can choose to invest and grow it such as in an IRA or pay cash for a car or put a healthy downpayment on a home. You need capital to invest. (Almost 40% of people put less than 10% down on a home purchase. That means you have PMI payments until you reach a 20% down payment). 4. There is an opportunity cost to your money. Warren Buffett has said he doesn’t want a mansion because he realizes how much more his money will grow (compound) to when it is invested instead of sitting in home equity. 5. You can pay cash for travel and take advantage of good deals, such as discounted assets at auction or fire sales of others who are desperate for cash. If you want to take a cruise or go to Hawaii, save enough money first! You don’t want to pay for a vacation with money you don’t have, then have interest on your credit cards to pay it back. If you make a late payment on a certain credit card for example, your interest rate can be 29%! Of course, you want to be a long-term saver for retirement, education and larger expenses like a new roof. Get in the habit of saving FIRST, then spending. Reverse the habit many have of spending money you don’t have, only to have to pay it back with high interest and be drowning in debt.   Please subscribe and leave me a review on iTunes or Stitcher Radio. Connect with me on social media at Twitter and IG @Lindapjones and Facebook @lindapjonesfanpage.  
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15 min
June 20, 2018
Is There a Wealth Gene?
Learn if you are pre-disposed to wealth or if it is a matter of habits and choices. Do you know that wealth is a choice? Learn the 6 Steps to Wealth and how to go from $0 to wealthy. It's not about how much you make or how much you don't spend. For example: Person A: Makes $40,000 per year. Over their working lifetime of 30 years, they will earn $1.2 million. How much of that money will they keep? The average savings rate in America is currently 2.8%... ...And 2.8% of a $40,000 annual income is $1120 per year saved; a total of $33,600 saved over 30 years. Person B: Makes $40,000 per year. Invests $5500 per year (maximum under age 50) in an Individual Retirement Account (IRA) and averages 10% in the stock market for 30 years. They retire in 30 years with $1,091,160. In 30 years, Person A will have $33,600 and Person B will have $1,091,160. Which one are you? Connect with me on Instagram.com/LindaPJones for a daily wealth tip. 
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13 min
June 18, 2018
Investments for a Late-Stage Economic Cycle
Learn what characterizes the late stage of an economic cycle, how it can indicate what's coming in the stock market, and where to invest. Please subscribe and review the podcast!
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13 min
June 15, 2018
Bitcoin, 10% Returns & Listener Q's
Learn answers to questions from listeners. Be sure to subscribe and leave a review!
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13 min
June 13, 2018
Best Performing Sector Funds YTD
Learn what sector funds are performing the best year-to-date. See performance chart posted on my website at www.lindapjones.com. Subscribe to Be Wealthy & Smart and leave a review!
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15 min
June 11, 2018
3 Ways to Prepare for Money Before You Have It
Learn why “money is like a newborn baby. You have to prepare for it and learn about it BEFORE it arrives.  
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13 min
June 6, 2018
Real Millionaire Habits
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 Steps to Wealth”. It’s the step-by-step description. 1. Create a Wealthy Mindset 2. Save a Nestegg 3. Find a Mentor/Knowledge 4. Invest in a Money Engine 5. Compound at a High Rate 6. Protect Your Wealth Hit the subscribe button for instant notice of new podcasts!  
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10 min
June 4, 2018
Should You Have an Airline Credit Card?
Learn the pros and cons of airline credit cards and if they are right for you. Here is the article: https://www.cnbc.com/2018/06/01/before-signing-up-for-an-airline-credit-card-weigh-the-benefits-against-the-cost.html   Be sure to subscribe to Be Wealthy & Smart!
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13 min
June 1, 2018
How to Protect Yourself From Mail Fraud and Keep Your Correspondence Safe
Learn why mail fishing crime is on the rise and how to protect your money. According to the NYPD, mail fishing is on the rise and you may not be familiar with how it is happening. This is from an article on CNBC.com: https://www.cnbc.com/2018/05/25/as-computers-get-harder-to-crack-thieves-are-pillaging-mailboxes.html Please subscribe to Be Wealthy & Smart and leave a review!
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12 min
May 30, 2018
3 Ways Millionaires Think Differently
Learn 3 ways millionaires think differently and how you can apply it to create your wealthy mindset. Be sure to subscribe to the podcast!
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13 min
May 28, 2018
How NOT to Lose $2 Billion Dollars
Learn how a divorcee spent her $2.5 billion settlement and what mistakes to avoid.
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12 min
May 25, 2018
Watch Out For These Financial Scams
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. I saw there were more scams happening that I wanted to warn you about. There’s a common one with real estate. I have an article to share with you about it: 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!
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13 min
May 23, 2018
How Much Money Does it Take to Be Happy?
Learn the magic dollar amount of income it takes to be happy. According to a survey, find out how much money it takes to be happy. The article is here: https://www.cnbc.com/2018/05/16/money-can-actually-buy-some-happiness-but-how-much.html Please subscribe and leave a review!
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13 min
May 21, 2018
5 Reasons Why Wealth is NOT a Matter of Luck
Learn why wealth is within your reach, using my Wealth Building Formula, and why it is NOT about luck.   This is the study I disagree with: https://www.pbs.org/newshour/economy/making-sense/analysis-if-youre-rich-youre-more-lucky-than-smart-and-theres-math-to-prove-it   Please subscribe to Be Wealthy & Smart and leave a review!
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13 min
May 18, 2018
4th Anniversary Show + Most Common Financial Regrets
Learn the most common financial regrets of Americans and how to avoid them. I also share my thoughts about the Be Wealthy & Smart podcast over the last 4 years and latest podcast reviews.
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23 min
May 16, 2018
ENCORE: Plan Your Life Like a Billionaire
Learn how to plan your life like a billionaire. I love talking about the importance of mindset in wealth building. We haven’t visited mindset for a long-time, so I thought we would today. Recently I was reading about Amazon founder, Jeff Bezos. He was a successful investment banker who quit his job. Left in the middle of the year and left his big bonus. Jeff talked to his boss about it, who said great idea, but better for someone else who does this stuff not you! Think long-term for your life decisions. He calls it “Regret Minimization Framework”. Project your life forward to age 80. Look back on your life. Minimize the regrets in your life. Look back on your life. He wouldn’t regret trying to participate in the internet. Wouldn’t regret failure. The one thing he would regret is not having tried. That would haunt him every day. Gets you away from the daily pieces of confusion, like leaving his bonus. Think long-term to make good life decisions you won’t regret later.    
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8 min
May 14, 2018
410: Large Growth Mutual Funds Outperforming ETFs
Learn which mutual funds are significantly outperforming the S & P 500 on a 5 year basis. The charts are posted in the Podcast section on www.lindapjones.com.
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9 min
May 11, 2018
409: 5 Steps to Making Real Estate Decisions Without Regrets
Learn how to make decisions with real estate, overcome real estate regrets and stop feeling anxious about buying or selling. There are a lot of people stressing about real estate right now. Should they buy? Should they sell? Should they invest? With real estate at all time highs in many cities, it’s causing stressful decisions to be made. I’m not talking about affordability. Obviously, if you can’t afford it, don’t stretch yourself beyond your means. I was talking with someone who was stressing about money. In this case, not because they had too little. She couldn’t decide the right time to sell her house and lock in gains. They weren’t ready to sell it, but were afraid the real estate market would crash. People with a little or a lot of money get stressed. No one is immune! Everyone wants to make the right financial decisions. For some it’s taking the right job, deciding to start a business, having enough money to survive or maybe how not to lose their money. There is a lot of anxiety around real estate right now. Should you buy a fixer upper or not? It’s a major investment. Should you downsize and move to another home? In this case, the woman was worrying about when to sell her house and maximize her gains. Living life is more important than selling at the absolute top of the market. She was feeling torn between trying to make the right financial decision and making the right life decision. Life has to win out! You can’t run your life putting money first or you will be miserable. Your happiness matters. I recently met another woman who sold her house in Canada. She sold it for $600k and it went on to be worth over $1 million. The next time I saw her she was trying to buy back into the Canadian market at a higher price. She had a lot of regret about selling her home too early and it was making her want to capture the gains of the past, but that is impossible. She was making herself sick because of the gains she missed out on making. You make the best choices you can. Fear is not a good reason to make a financial decision. At first she was afraid of loss, now she’s afraid of missing out or FOMO. Either way, her fearful thinking is not serving her. Where was the right place for them to live? What city did they want to retire in? They sold and moved away for a reason, did that change due to home prices rising? What can you do to avoid real estate regret? Here are 5 tips to help you avoid financial regrets: 1. Live in the present moment. Don’t stress about the future or the past. You can’t change the past. In the future, your circumstances available to make decisions will change, so how can you make the decision today when you don’t have all the information? Living in the present moment will help you stay out of fear. 2. Put your health and happiness first. What is going to be the best decision for your families’ health and happiness? 3. Money is a tool for you to use, don’t let money use you. Don’t put money before health, happiness, etc. When you’re in a job that makes you miserable, you won’t be as successful as if you love what you do. Try to connect with your happiness and purpose. 4. Try not to stress about future decisions. Realize that when the time is right, you will make the right decision. You will have more information to make the right decision. Trust. 5. Create a plan. Life is dynamic and things change constantly. There is no way to control it. You can’t freeze real estate prices until you are ready to move. Accept it. Make the best decisions you can and go with the flow. If you make a bad decision, try to move forward and plan for the long term. Short-term thinking can get you in trouble. Long-term thinking is having a plan and working your plan.
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10 min
May 9, 2018
408: Affirmation Success Story - Maria
Learn how affirmations worked for a Be Wealthy & Smart podcast listener. Her affirmations helped her pay off three debts, keep off weight, get a promotion, and more! Saying affirmations, and inserting true statements in between each affirmation, is a unique way to make them more effective. Learn how affirmations helped Maria get great results and why you can too.
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24 min
May 7, 2018
407: ENCORE: How to Get Rich and Stay Rich
Learn the 3 things you shouldn’t change to get rich and stay rich according to Thomas J. Stanley, author of The Millionaire Next Door. I just talked about 2 of the 3 things on podcast #290. If you haven’t listened to it, I go into depth about why people are watching the small expenditures and missing the huge ones that keep you from achieving financial independence.
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12 min
May 4, 2018
406: ENCORE: 5 Things to Do Before Buying a Home
Learn 5 things to do before purchasing a home, why the debt snowball is not the method to use to improve credit quickly, and how to find a loan officer. Before you do anything, first check your credit report and raise your credit score. Go to www.Annualcreditreport.comand get your FREE credit report once annually. Pay off any credit cards using my system and NOT the Debt Snowball. My version will improve your credit WHILE you are paying off debt. The Debt Snowball delays improving your credit until it’s mostly paid off. This is because the Debt Snowball leaves the largest balances to be paid last, while credit is improved when you take maxed-out balances and reduce them to half. Therefore, you must reduce your largest balances first, not your smallest in order to simultaneously improve your credit. Listen to my podcasts on how to pay off debt quickly while improving your credit and paying off debt (debt re-do). Here are your action steps: 1) Perfect your credit as much as possible. It’s necessary to begin asap. 2) Save for the maximum down payment. 3) Find a loan officer and educate yourself. 4) Get pre-qualified. 5) Be aware with interest rates about to rise, this may be near the top of the market, so don’t get into a bidding war and don’t overpay. Patience may be your friend here. Of course, if you are selling your existing home to buy a new home, you’ll want to listen to my podcast on how to sell your home for top dollar.
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13 min
May 2, 2018
405: Why New Cars Can Be a Deterrent to Your Wealth
Learn why new cars can be a deterrent to your wealth and what opportunity cost means. Maybe you like cars or you just want a new car. Perhaps you want to buy a new car because it’s for safety (too many miles), or status (need it for your job/image), or change of objective (had a child), etc. Whatever your reasons for a new car, re-think it because cars are one of the largest deterrents to your wealth. Take a doctor who grosses $1 million a year, but has virtually no wealth accumulated. How does that happen? Moves from house to house. Buys a new car every 3 years. I’ve talked about the cost of moving - commissions, loan fees, remodeling to sell, remodeling after purchase, etc. Buying homes and cars too frequently can be deterrents to your wealth. For now, let’s just focus on the car. He HAD to have a new BMW 650i. MSRP is $99,000. Let’s look at the true cost over time, which is what would the money be worth if you had invested it? We call that Opportunity Cost. What is the depreciation on the car? According to edmunds.com, depreciation on a BMW 650i is: 1. $10,168 2. $5,837 3. $4,987 4. $4,249 5. $3,627 Total in 5 years = $28,868 Mind you, this is happening every 5 years and total depreciation is $29,000. Let’s call it an even $30,000 for ease of math. Over 5 years it’s $30,000 in depreciation. Let’s take the $6,000 depreciation, which he is getting nothing for, and see what it would amount to in 20 years after being invested in the stock market. On average, the stock market over the long term will compound at about 10% per year. We’ll take $6000 per year, invested at 10% for 20 years. Remember, this is money that is the depreciation on his car, not money he will ever see go through his fingers. It’s lost forever, like making a bad investment every 5 years and your investment is worth less. What is the opportunity cost if he had invested the $6,000 per year instead? Guess. So $6,000 x 10% x 20 years = $418,380. Can you believe it? Do you see why cars are one of the largest deterrents to your wealth? According to Kelley Blue Book, average price of a car was $36,270 in January 2018. New-car prices have increased by $1,360 (up 3.9 percent) from January 2017. Looking at edmunds.com, if you bought a car for $29,873, the minute you drive it off the lot, you’ve lost $2,559! By the end of year 1 you’ve lost $5,687, year 2 another $3,607, year 3 another $3,173, year 4 another $2,813 and by year 5 another $2,524. Guess what the total depreciation is over 5 years? $17,804 or a 60% loss! According to edmunds.co, a new car loses 11% the minute you leave the lot, during the first 5 years loses 15% to 25% each year. After 5 years the car is worth 37% of what you paid for it at the dealership. Let’s say you invested the $17,804 or $3,560 per year. Invested for 20 years at 10% is $248,238. Invested for 30 years at 10% is $706,278. Remember, you’re not shelling out cash, this is money slipping through your fingers! These are the kinds of things that make a difference to your wealth. It’s the choices you make. Does that make sense? Hopefully you agree that new cars are not helping your wealth. What can you do? Here’s 5 things for you to do: Buy gently used cars in mint condition with low miles. That way a lot of the depreciation is already gone. 2. Don’t buy new cars until you have achieved your financial goals. Until then, it’s not a good investment and the opportunity cost is too high. 3. Buy buy cars that are too expensive. Put a limit on how much you spend. 4. Listen to Be Wealthy & Smart podcast #10 about cars that last for 250,000 miles. 5. Beware of cars that are coming from the Houston flood! There are thousands of damaged cars from Houston that will hit the auction blocks. Most used cars will be fine. Make sure your dealer didn’t buy the car at an auction. It’s better to know who the previous owner was and where they lived. Do your due diligence before you buy.  
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15 min
April 30, 2018
404: How to Get Rich - Results of Study
Learn how some people got wealthier faster and the reasons why. This is an article in Investor’s Business Daily from April 30, 2018 by Paul Katzeff.
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8 min
April 27, 2018
403: ENCORE: Where to Invest $300 to $500
Learn 17 potential places to invest a small amount of money. It’s listener question day! Here is our question: Linda, I only have a small amount to invest, about $300 to $500. Where should I start? Sam There are many options you have. Since I don’t know anything about your circumstances, I’m going to give you a list of choices. Assuming all your consumer debt is paid off. If not, start there to get back to stability. 1. Start an emergency fund. Keep it in a separate (no-fee) checking or savings account, if possible. 2. Flexible Spending Accounts (FSA) and Health Savings Accounts (HSA) are both great ways to reduce your income taxes by paying for medically-related expenses with pre-tax money — that is, money deducted from your paycheck before income taxes are calculated on your pay. You put money into that you use to pay for certain out-of-pocket health care costs. This means you’ll save an amount equal to the taxes you would have paid on the money you set aside. 3. Pay 1/12 extra on your mortgage to pay it off faster and save thousands of dollars in interest. 4. Invest in an ETF or mutual fund. ETF’s are passive, mutual funds are actively managed, but more expensive. Spyder S & P 500 fund (SPY, .09% expense ratio) or Vanguard All Market Index (VTI, .05% expense ratio). Dividend Aristocrats – 25 years of consecutive increasing dividends (NOBL, .35% expense ratio). 5. Term insurance. Creates an immediate estate in case of your untimely death. Can buy $100k to $500k depending on your age, health, gender, smoking, dangerous hobbies, etc. 6. Silver coins, still about $25 a piece. 7. Shares of stock. One share of Disney to get the special stock certificate, or Starbucks, etc. 8. REIT. Vanguard REIT (VNQ, .12% expense ratio) Now for some ideas outside of the box… 9. Bitcoin 10. Hire a CPA – to help you reduce your taxes if you make $75k + 11. Subscription to IBD, WSJ or Kiplinger’s 12. Condo down payment fund 13. Start a business 14. Have a garage sale to raise more funds 15. Hire an organizer 16. Buy a bus pass 17. Invest in a computer to start an online business Although you can consider all of these, if you are around age 30 or under, making your first real investment, I’d start with the Vanguard All Market Index ETF.
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15 min
April 25, 2018
402: ENCORE: The ONE Thing to Do For Financial Success in 2018
Learn the one thing to focus on for financial success this year. This is the most important thing you can do financially this year.  You'll have to listen to find out what it is! Please subscribe to the Be Wealthy & Smart podcast and get new episodes as soon as they are added.  
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7 min
April 23, 2018
401: 3 Ways to Protect Your Wealth From Rising Interest Rates
Learn 3 ways to protect your wealth when interest rates are rising. The economy operates on cycles. There is a key indicator of where we are in the cycle. The key indicator is interest rates. Interest rates are controlled by the Federal Reserve. They set the rates and determine when to raise interest rates. Interest rates are the cost of money. It’s how much we pay to borrow money from banks. It’s something I want you to pay attention to because many people were surprised by the crash of 2008. They thought housing prices would only go up. They thought is would continue forever. But interest rates were rising, which meant the Fed was slowing down the economy. When rates rise, people rush to buy homes. There can be a big boost to prices at the end of the bubble. If you don’t understand it, you can be caught thinking you have to rush out and buy a home because appreciation is going crazy. Just as people do that, the market slows, sale reduce, until prices have to drop and supply increases. It can become a downward spiral. Be aware when interest rates are being lowered, that is positive for the economy. When interest rates are rising, it’s negative (slowing) the economy. That’s not the time to take a big risk, it’s time to reduce your risk. Step 6 to wealth is “Protect your wealth.” It means don’t stay too leveraged too long. Here’s what you need to do: 1. Pay down high interest rate debt. 2. Refinance from variable rate mortgages to fixed rate mortgages. 3. Start being more cautious with real estate, which is interest rate sensitive. Take less risk. When interest rates rise, it’s a time to become more cautious with real estate. Not the time to be over-leveraged. Watch the cycle and understand what rising interest rates mean and where you are in the cycle.
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12 min
April 20, 2018
400: 5 Reasons Why the Stock Market is Important to Your Wealth
Learn stock market investing insights and why investing is important to you becoming financially free. Investing in the stock market doesn't have to be difficult. It is very important for you to know how to invest in the stock market in order to achieve financially independence. Here are the reasons why you should know how to invest in the stock market: 1. It's affordable. It has low account minimums: $0, $0 for IRA’s, or $500. 2. It has low fees like $5.95 or $6.95 a trade. Low internal fees. For example, SPY has a .09% expense ratio. 3. It is easy to invest. Little knowledge is required to invest like a pro. 4. Long-term performance will average around 10% annually. Everyone needs a money engine. 5. You need to have higher rates to compound to become financially free. Investing in the stock market does entail risk. The stock market drops 20 - 30% every 5 or 6 years. Expect it and plan for it. One way is to invest 1/12th per month and dollar-cost-average into the stock market. I'm excited to celebrate my 400th podcast! All of my podcasts are listed on http://lindapjones.com in the podcast tab. They are evergreen so the mentoring is relevant all the way back to podcast #1.
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11 min
April 18, 2018
399: Wealth Building through Entrepreneurship with Raoul Davis Jr.
Learn about entrepreneurship from global CEO branding expert and Firestarter co-author Raoul Davis Jr.    
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17 min
April 16, 2018
398: 7 Ways to Get $1 Million in Your 401(k) Plan
Learn how to maximize your investments so your 401(k) or retirement plan will accumulate $1 million. About 150,000 people have a 401(k) of $1 million or more in 2017 and 152,000 IRA’s have $1 million or more. Here are the steps to take: 1. Start as soon as possible. 2. Invest the maximum or at least get the match. 401(k) & 403 (b) = $18,500 Roth IRA benefits phase out (you can’t contribute) if you earn too much money. IRA $5,500 3. If you’re over age 50, add the catch up provision. 401(k) $18,500 + 6,000 = $24,500 IRA $5,500 + $1,000 4. Invest in stocks. 10% average annual return. $3,000 per year for 35 years @10% = $978k $8,000 per year for 25 years @ 10% = $952,000 $24,000 per year for 15 years @ 10% = $939,000   5. Don’t use target funds. 6. Get comfortable with risk. 7. Stay the course.  
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16 min
April 13, 2018
397: ENCORE: How to Determine Assets for Asset Allocation
Learn what assets make up your asset allocation and how to decide how much to invest.
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9 min
April 11, 2018
396: ENCORE: 5 Ways to Make Doing Your Taxes Fun
Learn what to do to make a dreary job like doing your taxes, fun!   April 17th is Income Tax Day. This podcast will help you get through it with more fun and like a breeze!
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9 min
April 9, 2018
395: Wealth is a Choice
Learn why being wealthy is a choice. Recently I saw a tweet. Here’s what it said: “You spend $20 a day eating out. That’s $600 a month. Add drinks it’s $800 a month. In 3 months you can buy a ticket anywhere in the world. You can travel, you’re just too lazy to cook.” There certainly is truth in it for travel, but also for wealth building. $800 a month is $9600 per year. At 10%, in 10 years that is $193,199. In 20 years it is $669,407. In 30 years it’s $1,904,571. Thirty years! Is it all about retirement? No! There’s a balance to living today vs. putting aside money for tomorrow. Going back to our original example, what if half was for travel and half for investing? In 10 years, $4800 invested at 10% is $96,599. In 20 years, $334,704. In 30 years, $952,285. What your priorities are is up to you. Which brings me back to my original statement. Wealth is a choice, or rather a series of choices that you make. What are you choosing to spend your money on? Are you being mindful with your spending? Are you investing anything for the future? These are questions I’ve already answered on previous podcasts like the 5 spending priorities, how to begin investing, how much to invest, etc. I’m asking you because most people are not mindful with what they spend money on. You can be wealthy. You can be frivolous. But you can’t be both because wealth takes deliberate action. Which are you choosing?      
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9 min
April 4, 2018
394: 7 Things to Do With Your Tax Refund
Learn 7 ways to use your tax refund and 2 that will build wealth for you. Often people use a tax refund to pay down debt or save money for a large purchase, but there are 2 more things to consider doing with your tax refund that will help you build wealth. Listen to this podcast for 2 more ideas you can use your tax refund for that may be more beneficial to you financially. You may also want to listen to the Be Wealthy & Smart podcast about how saving money can make you rich.
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9 min
April 2, 2018
393: How to Delay Filing Your Taxes Legally
Learn how to delay filing your taxes until October 15th. If you’re not ready to file your taxes on April 15th, you can file paperwork to delay. An estimated 14 million people will file extensions in 2018. I do it every year and it’s one of the best decisions I make! It feels like such a luxury to not have to file until October. This year the deadline to pay tax is Tuesday, April 17th. That’s because the 15th is a Sunday and Monday is the Emancipation Day holiday in WA DC. To be able to file later than April 17th, you have to file the right forms. File IRS Form 4868, Application for Automatic Extension of Time to File US Individual Tax Return. You will have an automatic extension to submit your paperwork until October 15. You can file through a computer, or submit a paper version. You can also have a tax professional submit it using IRS e-file online. Be sure you understand, the money is still due on time! If you don’t pay enough tax, you will owe interest and possibly penalties until it’s paid in full. Again, the money is still due on April 17th! Please don’t misunderstand me! Sometimes you just want some more time to get the paperwork done, or you may be waiting on some special forms, such as a K-1. K-1’s come from alternative investments like partnerships and can be slow to arrive in the mail. They often don’t arrive at your door by April 15th, so an extension is necessary. Remember, your state taxes are NOT included in the extension, so check with your state’s agency for their rules. In summary, you can put off filing the forms, but you still owe the tax, so be sure the money is in by April 17th and properly request your extension. Then you have until October 15 to get your return filed.
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7 min
March 30, 2018
392: What to Invest in Instead of FANG Stocks
Learn what the next group of tech stocks might be that will outperform the FANG stocks. Here is the article from Marketwatch: https://www.marketwatch.com/story/if-the-faangs-have-got-you-down-its-time-to-win-with-the-wnsss-stocks-2018-03-29
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17 min
March 30, 2018
391: Why Saving Money Can Make You Rich
Learn why saving money is so important to wealth building.
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8 min
March 26, 2018
390: Debt, Appreciating Assets and Why Wealth is About Choices
Learn why wealth is about making the right choices and avoiding the wrong ones. Just wanted to pause for a moment and ask if you knew Betterment is the largest independent online financial advisor with more than $10 billion in assets under management with more than 300,000 customers? Their service helps to improve long-term returns and lower taxes for retirement planning, building wealth, and other financial goals. Betterment’s tax coordinated portfolio can increase a portfolio’s value by an estimated 15% over 30 years. Their annual advisory fee is only .25%, with unlimited messaging access to their team of licensed financial experts through a mobile app. Of course, investing involves risk. For listeners of Be Wealthy & Smart, you can get up to 1 year managed free, visit http://www.betterment.com/bewealthy.
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9 min
March 23, 2018
389: Best Performing International Mutual Funds for 10 Years
Learn the 5 best performing international mutual funds for 10 years.
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11 min
March 21, 2018
388: Best Performing Large Cap Stocks for 10 Years
Learn what mutual funds have outperformed the S & P 500 on a 1, 3, 5, and 10 year basis. According to Investor's Business Daily, these are the top performing mutual funds in the Large Cap category.
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10 min
March 20, 2018
387: 8 Money Tips for Beginners
Learn what advice I gave to a college student/driver who is eager to be smart with his money. 1. Pay bills on time. 2. Contribute to 401k and get free money. 3. If in between corporate gigs, contribute to an IRA Is it all about retirement? It’s much easier the earlier you start. You’ll need to set aside less money and be richer if you start earlier because you have compounding on your side. For example, even if you are putting away less now, you’ll have twice as much money later if you start 10 years earlier. 4. Pay off credit cards, go on cash basis if you have balances. 5. If you handle credit responsibly, get credit cards with miles for air and hotel. 6. Set spending priorities like travel, car, home, etc. Don’t waste money on eating out and bar bills or other things that aren’t important to you. Treat money as a tool to get what you want. 7. Save as much as you can. 8. And of course, listen to my podcasts from #1 all the way to this one!   Listen to the Wondery podcast, Safe For Work here: wondery.fm/wealthy  
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24 min
March 16, 2018
386: Listener Q: How Many Investment Books to Read Before Investing
Learn what investment books I recommend and also what I recommend before investing, in addition to reading.  
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6 min
March 14, 2018
385: Real Estate Investing and Interest Rate Cycles
Learn how to use cycles to determine when to be more cautious with investment real estate and protect your wealth. Interest rates indicate a slowing economy.  This podcast talks about how to use interest rates when investing in real estate and how to protect your wealth. 
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6 min
March 12, 2018
384: 3 Ways to Stop Feeling Overwhelmed
Learn 3 things to do to stop feeling overwhelmed. Overwhelm can slow us down, keep us from achieving goals and slow down our wealth building. Here are 3 things to do to get out of feeling overwhelmed.
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6 min
March 9, 2018
383: How to Determine Which Debt to Pay Off First
Learn which debt to pay off first and how to decide. This is a listener question about paying off a real estate loan on rental real estate.  I show you how to determine which debt to pay off first and how to think through the rationale.
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7 min
March 5, 2018
382: Cash for Emergencies - Part 2
Learn a true story about how cash on hand saved a family.  
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8 min
February 26, 2018
381: 5 Tips for Emergency Cash Management
Learn 5 tips for emergency cash management. Yesterday, one of my Be Wealthy & Smart VIP Experience members mentioned that her bank had experienced a DDOS computer attack and that the ATM machines were not working. Here’s what she said: Hey Linda! If you weren’t aware, a “technical issue” took down almost all of XYZ bank yesterday. More than 24 hours later, they’re still only partially back up. Millions of customers (me included) have been unable to access their accounts. Debit and prepaid cards aren’t working and paychecks and tax refunds are missing. It’s a huge mess...and a big wake up call to many. I’m actually ok. My paycheck hit early Thursday morning before the outage and my debit card seems to be working. I have some groceries and about $300 cash on hand. So I’m actually fine. Not happy, but fine. Any further suggestions on how to prepare for things like this in future? I know you’ve talked about it, just don’t remember where... I have their accounts, plus another account at a completely different virtual bank (for emergency funds). But the only way to access the funds is via transfer to my XYZ accounts. Maybe open an account at another local bank and link the virtual bank account there too? And clearly, I need more than $300 cash on hand...   Yes you do! Those are good questions and I’m sorry that happened to you, but I’m glad you’re being proactive to plan for a possible longer interruption of service. I believe it is important to have a good amount of cash in your possession. Now you’ll want to know how much. That’s not easy to answer because it depends on how much you make and how much you spend on items like groceries, gas, medicines and other necessities (for example if you have babies, diapers are a necessity for you). I’d say have about 20% of a month’s income if you can. I also recommend having it in low denominations, not 50’s and 100’s, but 20’s, 10’s, 5’s and 1’s because it may be difficult to get change for purchases if there’s a cash shortage. For example, a few years ago I went to Greece and it was during a banking crisis. They were limiting how much cash you could get per day from the ATM’s and cash was hard to come by. None of the restaurants would give us any change back for our purchases! They just claimed they didn’t have any cash and we were out of luck getting any money back. A $22 lunch ended up cost $40 because they wouldn’t make change. You never know if someday we could have a problem with electronics either by hack, natural disaster, a bank holiday or some other reason. Don’t get me wrong, I’m not predicting the end of the world. I just think it’s part of smart planning to have cash on hand. I also think it’s smart to diversify by account. Having a brokerage account is a good complement to a bank account because you have access to a money market, which you can use for savings, in addition to your investment accounts. It’s very easy to wire the money to your bank from a brokerage if you need to transfer funds. Not having all of your money in one institution is a good idea. You never know what can happen. Remember during the financial crisis in 2008, banks like Washington Mutual were fine one day and in need of a bailout the next. Remember, the Federal Deposit Insurance Corporation (FDIC) insures deposits up to $250k per depositor. A single deposit account is insured up to $250,000. Joint accounts are 50/50 ownership and insured up to $250,000 for each individual named on the account, totaling $500,000. It’s Linda here. Just wanted to pause for a moment and ask if you knew Betterment is the largest independent online financial advisor with more than $10 billion in assets under management with more than 300,000 customers? Their service helps to improve long-term returns and lower taxes for retirement planning, building wealth, and other financial goals. Betterment’s tax coordinated portfolio can increase a portfolio’s value by an estimated 15% over 30 years. Their annual advisory fee is only .25%, with unlimited messaging access to their team of licensed financial experts through a mobile app. Of course, investing involves risk. For listeners of Be Wealthy & Smart, you can get up to 1 year managed free, visit   http://Betterment.com/bewealthy that’s betterment.com/bewealthy. I’ll post these links in the show notes and on my website. Now that we’ve established opening a brokerage account in addition to your bank account, let’s talk about why people switch brokerages. According to IBD and Technometrica, 25% of investors have switched their online broker in the past 5 years, vs. 18% five years ago. The main reasons for switching are: 1. Cost - 39%. Clients are sensitive to fees and commissions. 2. Other - 21%. Not sure what that is, but we’ll come back to this. 3. Convenience - 16%. Ease of use. 4. Bad experience - 9%. Customers had bad service or a complaint with a representative. 5. Execution - 9%. Trades aren’t executed at the price expected. Other - 21%. Not sure what that is, but I suspect it’s a catch all for everything else not mentioned above and could be research quality, etc. Changes favored in the next year include: Lower fees - 40% Better research - 28% Better buy lists - 26% Wherever you decide to keep your money: 1. Diversify savings accounts by institution 2. Consider having an account at a brokerage firm in the mix 3. Keep a healthy amount of cash on hand 4. Keep a mix of lower denominations 5. Calculate how much you’ll need by thinking of how much you spend on groceries, gas, medicines, and necessities in a month or two.      
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12 min
February 23, 2018
380: 6 Tips to Paying Your Bills on Time and Avoiding Late Fees
Learn how to keep track of your bills so you never have to pay a late fee. I recently saw a statistic that was startling to me: 23% of people pay bills late and have to pay late fees because they are unable to find their bills. Wow! 23% is a lot of people. That’s millions of people! They can’t find their bills? Are they losing them in their inbox or in the mail? It’s easy to lose electronic bills, I can understand that, but it’s a bit harder to lose a hard copy. Think of the late fees that are happening! This is costing people hundreds of dollars per year and they could be investing that money and growing wealth. There is also a ding that happens to your credit score when you are late. I had a friend who had an awful time one time when she moved out of state. Her address didn’t get changed on some of her bills and as a result they were forwarded to her too late. Some didn’t reach her for a month. Even though she paid them as soon as she received them, because they were a month late she had a mark on her credit score that took 7 years to go away. It’s not good to be losing your bills, so let’s talk about how to fix this. First of all, there is no penalty for having your bills mailed to you instead of emailed. If you are a chronic late bill payer because you are losing your bills online, you can do one of two things. You can set up your bills for automatic payment through your bank so you don’t miss a due date. Some people like this because their bills are paid automatically. Others put their electronic bills in a folder and have a spreadsheet of the day of the month their bills come due, so each month they know when they have to be paid by. I’m not good with spreadsheets, so I prefer the low-tech way! I also like to review my bills before I pay them, so you might think I’m old-fashioned, but I attribute my system to my great credit score! Most of my bills are still received by mail. When I receive them, I open them up, I look inside at the due date and write on the outside of the envelope of the bill the date it is due. I put it in a designated drawer. As more bills come in, I repeat the process and file the new bills in by the most current date on top and oldest date in the back of the stack. So if I have 3 bills sorted by date, it would be the soonest to pay on top, with the next soonest date due, and then the farthest date away. I usually pay my bills online through my bank and pay them two or three days before the due date. My mortgage is set up (with extra principal added) as an auto pay. So let’s review what might help you find your bills and pay them on time so you can avoid late fees: 1. Open your bills immediately and record the due date on the envelope. 2. Put your bills in a designated area, whether it’s a letter holder or a drawer. 3. Keep arranging your bills by date due, with the soonest on top or in front. 4. Pay your bills 2 or 3 days before the due date. 5. Set some or all bills to autopay if you are comfortable with that. If you’re a chronic late bill payer, that’s probably your best option. 6. If you are good with spreadsheets, you can keep a spreadsheet of the dates your bills are due and refer to it at least once a week. Staying on top of your bills will not only keep your credit score high but also save you hundreds or thousands of dollars in late fees.  
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13 min
February 21, 2018
379: How Positive Thinking Helps You Get Rich
Learn why positive thinking helps your wealth building. I’ve always said creating a wealthy mindset and how you think is so important to your wealth building. As you know, it’s Step One of the 6 Steps to Wealth. Recently a study was done with children about whether thinking positively affected them. Here is the article: https://www.cnbc.com/2018/02/05/stanford-university-study-positivity-makes-kids-smarter.html So we know positivity will impact your success. It’s like you are steering but your mind is the engine and has the power. You have to direct it to where it will go. Just like it impacted these kids, it also impacts you. How you think is going to determine whether or not you reach your goals. As Henry Ford said, “Whether you think you can or think you can’t, you’re right.” He became one of the wealthiest men in the world. I like to modify that a bit and say, “Whether you think you can be wealthy or think you can’t be wealthy, you’re right.” It’s up to you. I’m encouraging you to think yes I can! Review episodes of how you can get your brain to think more positively by listening to podcasts 318, 313, 308, 23, and 3. You may have to go to my website to find the earlier ones at http://lindapjones.com/podcasts.  
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9 min
February 19, 2018
378: 10 Things to Know About the Tax Cuts and Jobs Act of 2018
Learn the 10 things you should know about the tax act. This comes to us from CNBC.com. This podcast clears up misnomers about the tax act. A copy of the article is posted on my website at http://lindapjones.com. See podcast #378. Get "11 Quick Financial Tips to Boost Your Wealth" and subscribe to my weekly newsletter with wealth building tips at LindaPJones.com.
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7 min
February 16, 2018
377: 3 Savvy Tips for Dumping Debt
Learn 3 savvy things to do to get rid of debt. I've also included my favorite way to save thousands of dollars in interest.  
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8 min
February 15, 2018
376: One Thing You Must Do Under the Tax Cuts and Jobs Act of 2018
Learn one crucial thing for you to review under the new tax act. In this podcast I review some changes made under the new legislation and the one thing you must do to be smart with your money. A link to the article is on my website at www.lindapjones.com.
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8 min
February 12, 2018
375: How to Begin Investing and Have the Right Investor Mindset
Learn how and where to begin investing and why it shouldn't be with individual stocks. This is a listener question from Instagram. She said, "I'm listening to all the podcasts, reading all recommended books (and then some) but I get stuck with hoarding knowledge/questions and not actually taking action. Still trying to figure out how to read charts, prospectuses, where do I go for p/e ratios, and what are all those other #'s and %'s, etc.? There's the investor part of this question and the mindset part, so I'll cover both. If you'd like to get a short wealth building idea from me each week, sign up for "11 Quick Financial Tips to Boost Your Wealth" at www.lindapjones.com.
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9 min
February 9, 2018
374: What's Causing Stock Market Volatility and When Will it End?
Learn the causes of the stock market's wild swings and how to know when the bull market will resume. What is causing the swings in the stock market? Why have we gone from low volatility to high volatility? How will you know when it is over? I share with you details from one of my Be Wealthy & Smart VIP Experience webinars. It's my investing inner circle just  for members. I go in depth about: What the market is telling us about volatility going forward. What is causing the stock market to drop? What are the signs to watch for to know if it is over? Check out the Be Wealthy & Smart VIP Experience here: http://lindapjones.com/vip Limited offer, use promo code "SMARTVIP" and save 50%!  
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18 min
February 7, 2018
373: 5 Ways to Handle Volatility
Learn what to do when the stock market is volatile. The stock market pulled back 1600 points in one day. A new record. I saw one TV reporter make a big deal of a 500 pt drop because that’s what happened in the crash of 1987. Percentage-wise that was a 22% decline vs. a few percent. Yesterday the Dow dropped 567 then gained 567. Don’t pay attention to the number of points it moves, pay attention to percentages. Now that the Dow is so much higher at 25,000, it would take a drop of 5,500 points to equal 22% like in 1987. Stock market pull backs, and crashes, are part of investing so you need to have a strategy to handle them. Rather than hoping they won’t happen, you have to accept them as part of investing and learn what to do because the stock market drops about 10% every 11 months on average. The Dow Jones Industrial Average has dropped 20% 12 times since the end of WWII. That’s about every 6 years. You have 3 choices whenever there is volatility: Buy, hold or sell. Since there are bigger corrections every 6 years, that is the best time to buy. It will also feel the most scary. People will move from complacency to panic. It’s just how it works. You can hold for the long-term. It’s good to make sure your asset allocation is where you want it to be. If you are going to need the money in less than 2 years, then you may want to be aware of how much risk you are taking. Is it the right amount? You usually don’t want to sell, because there are dead-cat bounces that happen after a large decline. Panic selling is never a good idea. So your options are really hold or buy. If you’re dollar cost averaging like in your 401k, then you are buying regularly and automatically. It’s common for funds to invest at the end of the month, and if the market is a little lower than the month before, then you will buy lower. Start to think opposite of the crowd. Watch the sentiment indicators. They poll investors and tell us whether they are optimistic or bullish or pessimistic or bearish and what percentages are which. Usually if 60% are optimistic bulls, then the market will pullback and get a little fear back. Fear is actually good because markets are said to climb a wall of worry. When too many people are expecting it to move higher, it’s like everyone is on one side of a boat and you know what happens then. More volatility happens until the fear comes back into the market and some move to the other side of the boat. So here are some things to think about: 1) Is your asset allocation (percentages in small, mid, large, etc.) correct for your age and circumstances? The younger you are, the more you want in stocks. 2) Are you keeping a long-term view? 3) Volatility is part of investing. Usually the best thing to do is nothing. Just ride it through, unless you want to buy. 4) The only thing that will help is time, so give it time to work it’s way through. 5) Expect pullbacks, they are normal and eventually end.  
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11 min
February 6, 2018
373: Bonus: Business Wars
Netflix vs. HBO. Nike vs. Adidas. Business is war. Sometimes the prize is your wallet, or your attention. Sometimes, it’s just the fun of beating the other guy. The outcome of these battles shapes what we buy and how we live. Business Wars gives you the unauthorized, real story of what drives these companies and their leaders, inventors, investors and executives to new heights -- or to ruin. Hosted by David Brown, former anchor of Marketplace. From Wondery, the network behind Dirty John and American History Tellers. Don’t forget to subscribe at wondery.fm/businesswars
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February 2, 2018
372: What's the Quickest Way to Become a Millionaire?
Learn how to shorten the path to wealth. It's listener question Friday! Yesterday a listener asked me what was the quickest way to become a millionaire? Although getting rich quick is not recommended because it’s usually accompanied by high risk of loss, I want to talk about something related to it that is important for you to know. First, let’s talk about what creates wealth? When creating wealth, the one thing that matters the most is the rate at which you compound money. It’s not all about how much money you have to start with. Compounding grows your money and creates additional money. Learn more by listening to the podcast. If you'd like short wealth building ideas emailed to you once a week, join my email list at http://lindapjones.com by opting into the "11 Quick Financial Tips to Boost Your Wealth."  
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10 min
January 31, 2018
371: 2 Actions of Wealthy Investors
Learn 2 things wealthy investors believe about working with financial advisors. This comes from a Spectrem Group survey.  The survey graphics are posted on my website at http://lindapjones.com. While you're there, get "11 Quick Financial Tips to Boost Your Wealth." Subscribe to the podcast to get updated when new shows are uploaded!
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8 min
January 29, 2018
370: How To Find Free Money for Your Retirement
Learn one way you may be missing out on free money that could add up to $100k or more to your retirement plan. This is an article from CNBC.com. The link to the article is here: https://www.cnbc.com/2017/06/28/missing-the-employer-match-could-hurt-your-retirement-goals.html This episode is sponsored by Betterment: Did you know Betterment is the largest independent online financial advisor with more than $10 billion in assets under management with more than 300,000 customers? Their service helps to improve long-term returns and lower taxes for retirement planning, building wealth, and other financial goals. Betterment’s tax coordinated portfolio can increase a portfolio’s value by an estimated 15% over 30 years. Their annual advisory fee is only .25%, with unlimited messaging access to their team of licensed financial experts through a mobile app. Of course, investing involves risk. For listeners of Be Wealthy & Smart, you can get up to 1 year managed free, visit betterment.com/bewealthy that’s betterment.com/bewealthy. I’ll also post these links on my website at: http://www.lindapjones.com/how-to-find-free-money-for-your-retirement/    
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10 min
January 26, 2018
369: Why Wealth is a Matter of Making the Right Decisions
Learn why wealth building is about making good decisions.  An example is the popular trend of buying subscription boxes which could be usurping your future wealth. Find out why $1,000,000 could be the opportunity cost. Be Wealthy & Smart has over 1.2 million downloads. Subscribe and don't miss a single episode! Get easy wealth tips at http://lindapjones.com.  
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11 min
January 24, 2018
368: Determining if a Financial Advisor is a Good Fit For You With Joe Saul-Sehy
Learn  if a Financial Advisor is a good fit for you and what the signs are to look for with Joe Saul-Sehy of the Stacking Benjamins podcast. In this episode, I interview Joe Saul-Sehy. He's also my co-host (along with Miranda Marquit and Doug Goldstein) on the Money Tree Investing podcast.  Joe and I talk about what makes a good Financial Advisor and when to cut them loose. Did you know Betterment is the largest independent online financial advisor with more than $10 billion in assets under management with more than 300,000 customers? Their service helps to improve long-term returns and lower taxes for retirement planning, building wealth, and other financial goals. Betterment’s tax coordinated portfolio can increase a portfolio’s value by an estimated 15% over 30 years. Their annual advisory fee is only .25%, with unlimited messaging access to their team of licensed financial experts through a mobile app. Of course, investing involves risk. For listeners of Be Wealthy & Smart, you can get up to 1 year managed free, visit: http://www.betterment.com/bewealthy I’ll also post these links on my website at http://lindapjones.com, podcast 368. Please subscribe to Be Wealthy & Smart so you're updated when new episodes are available and leave us a review - we love to hear from you!
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34 min
January 22, 2018
367: Increase Your Credit Score From Great to Perfect
Learn how the tweak made in a prior podcast moved my credit score from 817 to a perfect 850. This is part two of a podcast I did about investigating a 30 point drop in my credit score, even though I pay it off every month. I made a tweak in podcast number 251 and I share the results with you on this podcast.  Even if you pay your bills off every month and don't carry a balance on your credit cards, there's one thing that might be impacting your credit negatively. I fixed it in podcast 251 (listen for all the details on how to raise your credit score) and on this podcast I give you the awesome results of the tweak.  My FICO score report is posted on my website at http://www.lindapjones.com, podcast 367. Get "11 Quick Financial Tips to Boost Your Wealth" at http://lindapjones.com. Please subscribe to the podcast to get notified as soon as new podcasts are uploaded. 
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7 min
January 17, 2018
366: The ONE Thing to Do For Financial Success in 2018
Learn the one thing to focus on for financial success this year. This is the most important thing you can do financially this year.  You'll have to listen to find out what it is! Please subscribe to the Be Wealthy & Smart podcast and get new episodes as soon as they are added.  
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7 min
January 15, 2018
365: 6 Misconceptions About Millionaires
Learn the 6 things about millionaires you may think are true but aren’t. We learned in Be Wealthy & Smart podcast #286, that $2.4 million is what most American’s consider “wealthy”. See that podcast for other interesting facts about millionaires. Link to the Business Insider article is here: http://www.businessinsider.com/fascinating-facts-about-american-millionaires-2017-11/#theyre-not-all-filthy-rich-in-fact-95-have-a-net-worth-between-1-million-and-5-million-1 The link to the Millionaire Next Door book is here: http://amzn.to/2D31rWE Get "11 Quick Financial Tips to Boost Your Wealth" at http://lindapjones.com.
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8 min
January 12, 2018
364: Performance of Overseas Stock Funds and World Equities
Learn what regions/countries are the best performers on a 1, 3, 5, 10 and 15 year average annual return basis. Chart from Investor's Business Daily is posted on my website at http://lindapjones.com, podcast 364. Get "11 Quick Financial Tips to Boost Your Wealth" at http://lindapjones.com.
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9 min
January 10, 2018
363: Performance of US Diversified Stocks by Category
Learn which asset classes have performed the best on a 1, 3, 5, 10 and 15 year basis. Review of U.S. Diversified Stocks like the S & P 500, Large-cap growth, Large-cap core, Multi-cap growth, Midcap growth, Multicap core, Large-cap value, Multicap value, etc. Chart from Investor's Business Daily is posted on my website at http://lindapjones.com, podcast 363. Get "11 Quick Financial Tips to Boost Your Wealth" at http://lindapjones.com.
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11 min
January 8, 2018
362: Top Performing Global Equity Sector Funds of 2017
Learn the top performing global equity sector funds of 2017. The chart from Investor's Business Daily is posted on my website with the bonus chart of top performing Fixed Income funds. You can find them on my website at:  http://www.lindapjones.com/wp-admin/post.php?post=13352&action=edit     Get "11 Quick Financial Tips to Boost Your Wealth" at http://lindapjones.com. 
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13 min
January 5, 2018
361: Performance of the 10 Largest ETF’s by Assets
Learn the best performing ETF’s for 2017 that are the 10 Largest ETF’s by assets. The article is posted on my website at http://lindapjones.com. Get "11 Quick Financial Tips to Boost Your Wealth" at http://lindapjones.com.
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4 min
January 3, 2018
360: Best Performing ETF’s of 2017
Learn the best performing ETF’s for 2017 that are U.S. Diversified Stock and Sectors. The article is posted on my website at http://lindapjones.com. Get "11 Quick Financial Tips to Boost Your Wealth" at http://lindapjones.com.
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8 min
January 1, 2018
359: 10 Financial Moves to Make in 2018
Learn 10 Financial Moves to Make in 2018. Here are some suggestions to improve your finances in 2018: 1. Review & rebalance portfolio - Make sure you are diversified   2. Consider strategic investments in high growth areas What can you buy low? Commodities? Uranium? Miners?   3. Reduce debt Refi or pay off 4. Save and invest more - Savings accounts have low interest rates, investment accounts offer potential of higher compounding, but have more risk.   5. Think over large purchases Do you really need a new car? Do you need to move? Could you invest instead? 6. Time, Money, Compounding Rate are the 3 things that effect your wealth. Time = years to retirement Money = amount to invest Compounding rate = % you compound money 7. Consider how big picture changed and how it will affect you New tax law, lower taxes? Interest rates rising Cycles are changing 8. Things that didn’t change Your work? Income? Mortgage? Your goals? Your retirement age? 9. Start a side hustle for extra income? - Never easier to start a business   10. Make time to learn about investing. To get “11 Quick Financial Tips to Boost Your Wealth”, go to www.lindapjones.com.          
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16 min
December 27, 2017
358: Last Minute Tax Tips
Learn last minute steps you can take to save money on your taxes in 2017. This is adapted from an article in Investor's Business Daily. It takes into account the new Tax Reform act. This may help you stay in a lower tax bracket and save you some tax dollars. Please subscribe to the podcast! Get "11 Quick Financial Tips to Boost Your Wealth " to get to financial freedom faster at http://lindapjones.com.  
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12 min
December 25, 2017
357: Gratitude and a Wealth Mindset
Learn why gratitude is important for a wealth mindset and how to shift from fear and negativity to gratitude. What a perfect day to talk about gratitude and the importance of having gratitude to create a wealth mindset. Do the exercise mentioned to shift from doubt, fear, and negativity to gratitude. By the way...I'm grateful for you!
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7 min
December 22, 2017
356: REIT Dividend Income Leaders, Part 3 of 3
Learn the top 10 Real Estate Investment Trust (REIT) dividend paying stocks with steady and growing dividends. Investor's Business Daily has a list of dividend leaders with steady and growing dividends as well as steady profit growth. Stocks must also meet price, volume and other technical and fundamental requirements.  This is part 3 of 3 parts. The chart is posted on my website at www.lindapjones.com. Please subscribe to the podcast! Get "11 Quick Financial Tips to Boost Your Wealth" at http://lindapjones.com.
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5 min
December 20, 2017
355: Utility Dividend Income Leaders, Part 2 of 3
Learn the top 10 utility dividend paying utility stocks with steady and growing dividends. Investor's Business Daily has a list of dividend leaders with steady and growing dividends as well as steady profit growth. Stocks must also meet price, volume and other technical and fundamental requirements.  This is part 2 of 3 parts. The chart is posted on my website at www.lindapjones.com. Please subscribe to the podcast! Get "11 Quick Financial Tips to Boost Your Wealth" at http://lindapjones.com.
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5 min
December 18, 2017
354: Dividend Income Leaders, Part 1 of 3
Learn the top 10 dividend paying stocks with steady and growing dividends. Investor's Business Daily has a list of dividend leaders with steady and growing dividends as well as steady profit growth. Stocks must also meet price, volume and other technical and fundamental requirements.  This is part 1 of 3 parts. The chart is posted on my website at www.lindapjones.com. Please subscribe to the podcast! Get "11 Quick Financial Tips to Boost Your Wealth" at http://lindapjones.com.
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6 min
December 15, 2017
353: How to Get Started Investing When You’re Afraid
Learn how to dip your toe into investing in spite of fear. Listener Q: Linda, Thanks for the financial information that you are providing to your listeners. I would like to invest on my own (currently managed by a bank) but am too worried that I may fail and never bounce back. What can you recommend I should do? Tum Sounds like you are in fear. Fear of failure, fear of loss, fear of making a mistake. “Never bounce back.” What do you mean by that? Maybe you lack of knowledge. Talk to your FA. Learn about what you already have. Decide what you want to learn about. Listen to podcast #293 regarding where to invest $300 to $500 dollars. Open an account. Dollar cost average into an ETF. Research and learn how to buy stocks. Books, magazines, newspapers. Start slowly. Take advantage of dips. Realize we are overdue for a 20% correction that happens every rolling 10-year period. Invest for the long-term. More success with buy and hold over long-term. Realize you will make mistakes. I did. You can recover and learn to be successful. You look young, so good for you for learning at a young age. Podcast 293 is here: http://www.lindapjones.com/wp-admin/post.php?post=13000&action=edit Get "11 Quick Financial Tips to Boost Your Wealth" at http://lindapjones.com.  
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10 min
December 13, 2017
352: 3 Reasons Bitcoin Millionaire Says Don't Buy Bitcoin
Learn why a Bitcoin millionaire does not think now is a good time to buy Bitcoin. With Bitcoin going crazy and everyone buying it, is now a good time? Is it the best cryptocurrency to buy? Could it be a bubble? Here is the link to the article: https://www.cnbc.com/2017/12/11/bitcoin-millionaire-grant-sabatier-dont-buy-bitcoin.html There is also a chart of all bubbles of assets in history that I will post on my website at http://www.lindapjones.com/wp-admin/post.php?post=13296&action=edit Get "11 Quick Financial Tips to Boost Your Wealth" at http://lindapjones.com.    
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8 min
December 11, 2017
351: 6 Reasons Why Millionaires Chose Their Financial Advisors
Learn 6 reasons why millionaires chose their financial advisors and 6 reasons they would change them. Millionaires may do things that you don't expect. You might think fees or investment performance is most important. Millionaires don't.  In this article from Investor's Business Daily, we explore reasons why millionaires chose and would change their financial advisors. It helps to start thinking like a millionaire if you want to become one. In our ongoing discussions about wealthy mindset, this falls into the category of how to think like a millionaire.  Bar charts of the research by Spectrem Group is posted on my website at www.lindapjones.com. Get "11 Quick Financial Tips to Boost Your Wealth" at http://lindapjones.com.
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11 min
December 8, 2017
350: 3 Millionaires' Savings Secrets
Learn how 3 millionaires saved money and created a million dollars. Also learn why saving isn't the only thing you need to do to grow your savings into $1 million. Article is here: https://www.cnbc.com/2017/03/21/3-self-made-millionaires-share-their-no-1-money-saving-trick.html Follow the 6 Steps to Wealth. Get "11 Quick Tips to Boost Your Wealth" at http://lindapjones.com.
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10 min
December 6, 2017
349: Basics About the Financial Industry
Learn what is important to understand about how the financial industry works. Recently I was talking to a friend about the book I’m writing. She mentioned a few things to me that she didn’t understand. This woman is well-educated, middle aged and very successful. She lives in an expensive urban city. She’s savvy, but I was surprised by what she had to say. 1. She couldn’t be good with finances because she’s not good at math. Financial matters have little to do with math. 2. Why are banks intimidating? She said she feels intimidated to go into a bank lobby and like she has to beg to get her own money. That is by design. You own your money of course, but banking is a fractional reserve business. That means they have only a small amount of cash on hand, the rest is created by computer digits, like when they make a mortgage loan. The worst thing that could happen is if everyone demanded their money at once. They do everything to discourage it. They even make you wait and have to send for cash from other branches if you want a few thousand in cash. They can also make you feel like you’re suspicious. 3. Why people call her from the bank and try to get her to move her money. Banks are in business to make a profit. Some employees are on commission. If they are providing a “service” call to you, it sounds like they will earn a commission if they move your money into a higher fee financial product. 4. Along the same lines, I want to share my health insurance story. I received a letter in the mail that my health insurance was being cut off. They gave a phone number to an agency and a website that didn’t have health plans on it. It basically forced me to call an agent. The agent showed me one company and told me the premium would be 70% higher than what I had been paying. She wanted to sign me up. I asked if there was a website and she reluctantly gave it, then abruptly wanted to get off the phone with me. On the website there were 5 companies with multiple plans and the premium stays about the same as what I had been paying. Let’s look at what happened and what you need to know about how the industry works. The premiums were so much higher partly because the person on the phone was probably going to be paid a commission every time I pay my premium. She would get a cut of what I’m paying. I suspected this and that is why I wanted to go to the website directly. It’s similar to booking a hotel directly at the hotel or finding a cheaper rate online. Bottom line: when you are dealing with people, they often work on a commission sales basis. The cheaper route - and by the way the identical coverage - is provided online when you buy it yourself. You may already know all this, but I was surprised my friend didn’t. I don’t hear a lot of people talk about these basics, so I’m glad we covered them today. Please subscribe to the podcast!  Get "11 Quick Financial Tips to Boost Your Wealth" at http://lindapjones.com.
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15 min
December 4, 2017
348: 5 Smart Uses For a Tax Refund
Learn 5 ways to benefit from your tax refund. The article is from Investor's Business Daily and is posted on my website at http://lindapjones.com Get "11 Quick Financial Tips to Boost Your Wealth" at http://lindapjones.com.
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7 min
December 1, 2017
347: When Will You Become a Millionaire?
Learn when your 401(k) will be worth $1 million, according to a Fidelity Investments study. There are 3 parts to creating wealth: money, time and compounding. Here's the article: http://www.businessinsider.com/how-to-become-millionaire-401k-savings-2017-11 Get "11 Quick Financial Tips to Boost Your Wealth" at http://lindapjones.com.
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9 min
November 29, 2017
346: Have Home Prices Reached Their Limit?
Learn about the housing market and how much homes have appreciated in U.S. markets. Could we be near a real estate peak? Here is the article: https://www.cnbc.com/2017/11/28/if-you-own-a-cheaper-house-youre-in-the-money.html Get my free report "11 Quick Tips to Boost Your Wealth" at http://lindapjones.com.
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11 min
November 27, 2017
345: 7 Ways to Develop a Millionaire Mindset
Learn 7 ways to develop a millionaire mindset. This is from Secrets of the Millionaire Mind by T. Harv Eker. The article is here: http://psychologyformarketers.com/how-to-develop-a-millionaire-mindset/ Get "11 Quick Financial Tips to Boost Your Wealth" at http://www.lindapjones.com.
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12 min
November 24, 2017
344: Millionaire Quiz
Ten questions to find out if you know what it takes to reach $1 million. Here is the article: https://www.kiplinger.com/quiz/saving/T063-S001-do-you-have-what-it-takes-to-be-a-millionaire/index.html#kip-page18  
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25 min
November 22, 2017
343: ENCORE: 3 Ways to Prepare for Money Before You Have It
Learn why “money is like a newborn baby. You have to prepare for it and learn about it BEFORE it arrives. If you wait until after it arrives to start making preparations, you’re screwed.” - Linda P. Jones   Get my "11 Quick Tips to Boost Your Wealth" at http://lindapjones.com
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13 min
November 20, 2017
342: ENCORE: 10 Things to Do When the Stock Market Crashes
Learn what to do, what not to do, how to be safe and where to put money when the stock market crashes.
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11 min
November 15, 2017
341: ENCORE: 3 Ways Millionaires Think Differently
Learn 3 ways millionaires think differently and how you can apply it to create your wealthy mindset. The article is posted here. Please subscribe and leave me a review on iTunes or Stitcher Radio.
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14 min
November 13, 2017
340: How to Stop Spending Unconsciously
Learn why spending to save money can be a trap. Shopping - have you ever still had tags on clothes you’ve never worn in the closet? How does that happen? Something happened that I wasn’t conscious of until now. I bought 2 velour sweatsuits. Looked at other pieces but didn’t like them. Next they were on sale. I picked out 5 to try on, even though I didn’t like them the week before. Suddenly I was convincing myself that they were such a good deal I should just get all 5! Then I caught myself. Wait a minute. I don’t even like them! The “savings” idea had taken over my logical brain! This is how we get clutter, clothes we don’t wear, etc. It has to be based on price because if we liked it, we would wear them! Our closets get full of shoes and clothes that we “collect”, but we can only wear one at a time. If you wore one pair of shoes or one top without repeating, how many days until it took you to wear them all? Are you not going to wear something, in order to wear this? Closets are becoming poverty traps! Money is pouring into things we don’t even wear while retirement accounts go without funding. Next time you are buying multiples, ask yourself, do I really like these? Do I want to wear them tomorrow? Because if you’re not excited to wear it, you don’t really want it. “Saving” by spending is a fallacy. The only real saving is putting money into an account where your net worth increases. 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.
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10 min
November 10, 2017
339: Why Not to Take Loans From Your 401(k)
Learn why it’s not a good idea to loan money from your 401(k). Here is the link to the article: https://money.usnews.com/investing/investing-101/articles/2017-11-07/401k-loans-retirement 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.  
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10 min
November 8, 2017
338: 3 Mistakes to Avoid When Investing
Learn what 3 things not to do when investing. The link to the article is here:  https://www.cnbc.com/2017/11/07/financial-advisor-john-spooner-dont-make-these-3-investing-mistakes.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.
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10 min
November 6, 2017
337: ENCORE: Watch the Hundreds Not the Pennies
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 cars every 3 to 4 years is a mistake that will cost you thousands. Invest that and over 25 years it can be $250k. Where people go wrong is not learning how to invest. A friend has had success with real estate, which is great, but in 2008 almost lost everything because a luxury spec home they build which they thought would sell for $3 million at the peak, they had to let go for a $1.5 million, below their breakeven. Instead of investing, I noticed their house it full to the brim - drawers in the guest room are full, guest closets are all full, the garage is too full for 2 cars, the basement is packed full of stuff! That tells me there are no investing goals that are being followed, there’s a lot of spending that’s extraneous and things aren’t being used. It’s not for me to judge, but I do notice that there’s no money for anything because there’s so much clutter! How many people are surrounded by clutter from small purchases that make you feel good or volume purchases at COSTCO that accumulates a lot of stuff you don’t use. These are the reasons you haven’t reached your financial goals. That - and an investment plan that will help you compound at a higher rate (Step 5 of the 6 Steps to Wealth). The reason why a home is the largest asset for a lot of people is not just because home prices has been one of the best performing asset classes for the last 20 years, but because of the “forced savings” that a mortgage causes you to have. Paying a payment for 30 years, is a forced discipline that is paying off your interest and principal monthly. As you pay down your debt, the equity in your home increases, thereby giving you more net worth every month. Disciplined investing (in this case by borrowing), is a secret that will help you build wealth. Regular deductions into a 401k or IRA or mutual fund or brokerage account will provide systematic payments into investments that can compound at 8 to 10% over the long run, if history repeats. So let’s not sweat the coffee. Watch the hundreds and thousands you spend, not the pennies. The article is posted here:  https://businesstech.co.za/news/finance/182407/why-your-daily-coffee-is-stopping-you-from-becoming-a-millionaire/ Please subscribe and leave me a review on iTunes or Stitcher Radio. Connect with me on social media at Twitter and IG @Lindapjones and Facebook @lindapjonesfanpage. Get "11 Quick Tips to Boost Your Wealth" at http://lindapjones.com.
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20 min
November 3, 2017
336: How to Retire Early with Billy and Akaisha Kaderli
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.
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45 min
November 1, 2017
335: Watch Out for These Financial Scams!
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.  
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14 min
October 30, 2017
334: 5 Reasons to Finance a Home Purchase
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!  
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8 min
October 27, 2017
333: Real Millionaire Habits
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 Steps to Wealth”. It’s the step-by-step description. 1. Create a Wealthy Mindset 2. Save a Nestegg 3. Find a Mentor/Knowledge 4. Invest in a Money Engine 5. Compound at a High Rate 6. Protect Your Wealth 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.    
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10 min
October 25, 2017
332: 10 Steps to a Good Money Relationship With Your Partner
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.
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11 min
October 18, 2017
331: 10 Steps to Get a Financial Jump in 2018
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    
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13 min
October 16, 2017
330: What NOT to Do After Accomplishing a Big Goal
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 $400k!!! Or the professional skier that bought a Lambo. Or the guy that bought the Aston Martin, or the girl on a reality show who bought a brand new Range Rover. We are talking $100k plus for a car that is guaranteed to be worth quite a bit less in a few years. Maybe the Lambos hold their value better, I don’t know, but with insurance and maintenance, it’s not cheap. They are trying so hard to impress us that they are “rich”. Or maybe they are just trying to reward themselves with their fantasy car. In any case, it’s such a huge mistake! Can you imagine investing $400k at 8% for 30 years? Do you have any idea what it would be worth? Take a guess - and this is the true “Opportunity Cost.” $4,025,000! This one thing done differently had the potential to set them up for LIFE. And they blew it! The thought is, I’ll make more. There’s more where this came from. The reality is, a big payday is rare and they often don’t have the success again. Don’t make this mistake! Don’t sacrifice a good time and looking rich, for the opportunity to actually set yourself up for life and be rich! Next time you’re on Instagram and see the guys showing off their Lambos, just remember they could have been set for life. Instead, they have a depreciating car that’s worth less every year.   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.  
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10 min
October 13, 2017
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: 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.  
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6 min
October 11, 2017
328: Change Your Money Story with Jen Hemphill
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.  
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21 min
October 9, 2017
327: Receive a Dose of Positive Vibes
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.”              
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3 min
October 6, 2017
326: ENCORE: 7 Investment Strategies of Centimillionaires
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
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39 min
October 4, 2017
325: How to Invest in a Rising Interest Rate Environment
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.    
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21 min
October 2, 2017
324: Best Performing Large Cap Growth ETFs YTD
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.  
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5 min
September 29, 2017
323: What Are the Top 10 Most Valuable Brands in the World?
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 (16 percent).” But the top 5 growing brands are not the same as the 10 most valuable brands. Trees don’t grow to the sky. At some point, large companies will have a slower growth rate. Think of a speed boat, small and able to go fast. Then think of an aircraft carrier, large and not able to go fast. Because some of the top companies are in technology, the ability to grow big is enormous. A virtual company like Facebook doesn’t need a lot of real estate vs. a Toyota that needs to build factories. But the article notes: “tech firms make up 15 of the top 100 companies, just behind automotive at 16.” Profitability models are completely different. Think like one of the sharks on Shark Tank. You want large margins, a lot of profits and big sales. It’s pretty simple. Take a company like Coca Cola. It was flavored water with some color and caffeine added. Pretty big margins right? But they still had to buy cans and bottles, build bottling plants, deliver it to stores, etc. Now think of Facebook or Google being mostly virtual. They rely on some staff, but their “product” is virual in cyberspace. They don’t have to deliver, manufacture or mail anything. They only need some office space and employees to manage it. That’s why 6 of the top 10 are software or tech companies. 1. Apple 2. Google 3. Microsoft 4. Coca Cola 5. Amazon 6. Samsung 7. Toyota 8. Facebook 9. Mercedes Benz 10. IBM There’s a difference between largest and growing fastest. As an investor for growth, you’re looking for growth. Where is the growth going to come from? For Apple, it’s a new phone. For Microsoft, it’s a new software. For Mercedes it’s their electric cars due by 2022. You want to be able to identify where the growth is. Maybe Coca Cola can continue to grow overseas, but with a health trend in the US are sales growing as fast? Have they diversified into healthier flavored waters, etc.? Study up before investing. Large companies don’t always grow fast. They tend to move in cycles where they can outperform and then small companies outperform during the next cycle. Small companies are actually outperforming many large companies this year. Will that continue? If the economy slows, it just might. Your homework is to: 1. Research earnings of companies online and determine their growth rate for 1, 3, 5 and 10 years. Is it increasing, maintaining or declining? 2. Research how companies are going to grow faster in the future, or are their best days behind them? The stock market is littered with former tech darlings who are in the scrap pile from years ago RCA to AOL, NOKIA and others. 3. Pay attention to potential new companies online and investigate their growth rates. Companies like Shopify, Wix and Roku might be interesting to research. Again, you want increasing earnings! ********************************* 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've already done all 4 above, great! Thank you! No need to do them again! Just email me @ lpjhome@gmail.com 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.  
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15 min
September 27, 2017
322: Is Active or Passive Management Better?
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 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've already done all 4 above, great! Thank you! No need to do them again! Just email me @ lpjhome@gmail.com 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.    
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14 min
September 25, 2017
321: ENCORE: 5 Easy Ways to Fix Your FICO Score
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've already done all 4 above, great! Thank you! No need to do them again! Just email me @ lpjhome@gmail.com 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.    
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34 min
September 22, 2017
320: The 3 Simple BASICS for Wealth Building
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 get all complicated with buckets, accounts, budget apps, etc. Maybe you think that’s easier. I don’t. If you’re paying off debt and strapped for cash, they might be helpful to get to stability. But if you’re not in debt, then look at saving more money! Be aware that financial companies are promoting things like financial rebalancing, combining accounts, and online banks and incentivized credit cards to make commissions. The internet is spammed with such offers. The blogger is paid a commission on! It’s is NOT unbiased advice. They are monetizing their blog or podcast by making commissions. You only see it in small print and it’s called being an “affiliate”. That means “commission”.   ********************************* 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've already done all 4 above, great! Thank you! No need to do them again! Just email me @ lpjhome@gmail.com 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.
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13 min
September 20, 2017
319: The 2 Types of Millionaires
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 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've already done all 4 above, great! Thank you! No need to do them again! Just email me @ lpjhome@gmail.com 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.
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18 min
September 18, 2017
318: Listener Q: How do I change my mindset from negative to positive?
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 struggling with this. They know they need a positive mindset, but are really struggling and even fighting the negativity. It’s bombarding us - media, news, magazines, internet, social media, etc. Not a political statement - it’s been happening for a very long time. Look at movies, many are so violent and negative. They used to be feel-good and happy! Here’s what I see happening…you want to be positive and believe in yourself, but you’re having a hard time believing. You almost have to see it to believe it - and that’s backwards! You know it too! You know you want to be believing in yourself first, but can’t. So what gives? 1. Negativity around us is challenging. 2. You don’t have a system to help you daily. 3. You’re trying to force it and it’s not working. 4. You’re making it way too hard! 5. Deep down you might even think you’re not good enough or be afraid of failing or be afraid to make a mistake or be afraid of rejection or be afraid of being seen. Let me make this simple! IMO, the Law of Attraction stuff is off just a bit. It’s not about visualizing with enough emotion. It’s about having certainty. Let me say that again. Certainty! You have to get yourself to a place of certainty that you want this and will accomplish it. To become certain, you have to change your thoughts. You already know that, but HOW is where you’re struggling. To answer that question, let’s check in with who I think is one of the best mindset experts of all time: Mohammed Ali! That might surprise you, but I really respect his mental game! Mohammed Ali went from a humble fighter to World Champion. He’s known for his quips and confidence in himself. He used to say, “I’m pretty and I’m the greatest!” Let me share some of his other quotes: “He who is not courageous enough to take risks will accomplish nothing in life.” “I know where I'm going and I know the truth, and I don't have to be what you want me to be. I'm free to be what I want.” - Stop trying to please others! This is YOUR life! “It's lack of faith that makes people afraid of meeting challenges, and I believed in myself.” - Believing in yourself is KEY! “It isn't the mountains ahead to climb that wear you out; it's the pebble in your shoe.” Most of what holds us back isn’t the grand vision, it’s the small stuff we can’t get past. “What keeps me going is goals.” You MUST have written goals! And here’s what he said that I always say: “It's the r______ of affirmations that leads to belief. And once that belief becomes a deep conviction, things begin to happen.” Internalize that!!!! Changing your beliefs is really about r_______! Like TV ads! Here are my steps to use affirmations: 1. Write them down in a positive way. 2. Use already t____ sentences in between. 3. Read them at least first thing in the morning and last thing at night. (Billionaire Jeff Hoffman puts them on a sticky note on his bathroom mirror). 4. Don’t make it harder than it is! 5. Surround yourself with positivity - on tape, in books, in essential oils. You can also s____k it into existence! The Wealthy Mindset Blueprint course on my website goes into more detail if you want 2 to 3 hours of getting your mindset focused correctly. Here is the biggest secret of all…you must get to a point of C_______Y! It’s not a wish, it’s not a thought, it’s not a desire, it’s C______Y! “I am the greatest. I said that even before I knew I was.” - Muhammad Ali   ********************************* 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've already done all 4 above, great! Thank you! No need to do them again! Just email me @ lpjhome@gmail.com 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.          
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29 min
September 15, 2017
317: 1 Million Downloads + a BIG Announcement!
Learn about why wealth is possible for you! Hit subscribe! So excited to announce today we crossed 1,000,000 downloads on iTunes! Wow! It’s very exciting! It happens to be happening at the same time I have another exciting announcement! That is, I’m going to have a book published! I will be published by an independent publisher. We had 3 publishers interested and I chose Post Hill Press. The book will be available about a year from now on 9.18.18, what a great date! It will be a roadmap to financial freedom and will start with the proper mindset and then go into practical solutions for avoiding the common big mistakes many people make with their finances that holds them back from getting their money working harder for them and achieving financial independence! The message I have for you is simple: the wealthy aren’t smarter than you, they don’t have something you don’t. They simply had drive and determination to go after what they wanted, maybe with a laser focus. They persevered and kept doing what worked. I like to share the story about Mrs. Fields cookies. Everyone knows how to make chocolate chip cookies, right? I think I first made them when I was 10 years old. So a 10 year old can make cookies, not hard, right? Mrs. Fields focused on making it a business, growing a franchise and made a fortune. It took effort, it took hard work, it took determination. Probably sacrificing time and/or money too. It took a big effort, but she did it. If that’s what you want, you’re going to have to start doing something different. I’m not saying you need to be an entrepreneur, but if you want financial freedom, you’re going to have to be focused and take action. It’s not just going to “happen”. You’re not likely to win the lottery and even if you did, many people that get easy money blow it all because they still don’t understand how to make money grow, they just know how to spend it. Blowing it is fun for a few minutes and then it’s gone. Learning to grow it is so much more important so you can stay rich! Many people get rich (like athletes, actors, lottery winners), but don’t know how to make the money grow and soon it’s all spent so they don’t stay rich. They miss the opportunity for their kids and generations to have financial freedom because they blow it. Because you’re here, I know that’s not your style. You’re taking the time to learn what to do with money, how wealth grows and how to keep it. When I was young, I wondered why some people were rich and others weren’t. I wrote down the 6 Steps to Wealth to explain how step-by-step wealth happens. Once I understood it, I was able to make it happen quickly because I got the concept. That’s what this podcast is all about! Helping you grasp the concept so you can achieve financial freedom. Let’s quickly review the 6 Steps to Wealth again: 1. Create a wealthy mindset 2. Save a nestegg 3. Find a mentor/knowledge 4. Invest in a money engine 5. Compound at a high rate 6. Protect your wealth You can be working on several steps at once. Wealth is synonymous with compounding. The investing component to compound your money is most important, that’s why I’m not keen on being frugal being enough to get you there. You’ve got to compound! Be mindful with spending and make your dollars stretch farther, but also be aware of the BIG mistakes people make. In the financial world, we’re focused too much on the $3 latte and not enough on the $100k mistake of moving too often and paying real estate commissions, moving costs, remodeling, decorating costs, etc.! I’ve shared with you the story about remodeling my house. My husband and I were deciding whether to move or not. When I calculated how much money it would cost to pay a realtor commissions ($30k+); professional movers ($10k+); improvements, paint, carpet & repairs preparing to move ($10k+); remodeling in the home we purchased ($20k to $50k+); I realized it added up to $70k to $100k! It made more sense to stay put and invest the $100k in our existing home and make it work for us! We did that and it more than doubled in value so it was a great decision. Thinking like this and getting the BIG, expensive decisions right and not making mistakes is going to help you a lot more than giving up $3 lattes! I’m so honored that we’ve reached 1 million downloads and you’re to thank! If you have shared this with friends and family, thank you. If you’ve left a review, I’m humbled and grateful. My passion and purpose in life is to help you achieve financial freedom and to make a global impact. We’re now in 171 countries, so if you are outside of the US, thank you. I know you may have to adjust things a little differently, but the 6 Steps to Wealth still apply to you, so use them!   ********************************* 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've already done all 4 above, great! Thank you! No need to do them again! Just email me @ lpjhome@gmail.com 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.        
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19 min
September 13, 2017
316: 10 Billionaires Who Grew Up Poor
Learn about 10 billionaires who grew up poor. New listeners hit SUBSCRIBE! The article is here: https://www.cnbc.com/2017/09/11/10-billionaires-who-grew-up-dirt-poor.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 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've already done all 4 above, great! Thank you! No need to do them again! Just email me @ lpjhome@gmail.com 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.  
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15 min
September 11, 2017
315: Avoid a Common Financial Mistake
Learn how to avoid making a common personal finance mistake. New listeners hit SUBSCRIBE! Research shows 59% of Americans are making a big personal finance mistake. Article by Matthew Frankel at Motley Fool. Article is here: https://www.aol.com/article/finance/2017/08/27/59-of-americans-are-making-a-big-personal-finance-mistake/23186944/ Here is the link to your free credit report:  https://www.annualcreditreport.com/index.action   ********************************* 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've already done all 4 above, great! Thank you! No need to do them again! Just email me @ lpjhome@gmail.com 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. Move your net worth in the right direction by getting “11 Quick Financial Tips to Boost Your Wealth” at http://www.lindapjones.com.      
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10 min
September 8, 2017
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. 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! ***PLEASE NOTE: THIS IS ONLY AVAILABLE AT COSTCO.*** 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%!   ****************************************** 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've already done all 4 above, great! Thank you! No need to do them again! Just email me @ lpjhome@gmail.com 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. Move your net worth in the right direction by getting “11 Quick Financial Tips to Boost Your Wealth” at http://www.lindapjones.com.
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12 min
September 6, 2017
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! ******************************* 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've already done all 4 above, great! Thank you! No need to do them again! Just email me @ lpjhome@gmail.com 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. Move your net worth in the right direction by getting “11 Quick Financial Tips to Boost Your Wealth” at http://www.lindapjones.com.        
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12 min
September 3, 2017
312: Buzz Index, Artificial Intelligence in FinTech & Investing with Jamie Wise
Learn about the BUZZ Index, artificial intelligence in FinTech and Investing with Jamie Wise. New listeners hit SUBSCRIBE! Our interview today is with Jamie Wise, the inventor of the Buzz Index ETF. Jamie is incredibly intelligent and has some interesting insights about investing in the future. I really enjoyed interviewing him and I think you’ll like it too. Here we go. ****************************************** 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've already done all 4 above, great! Thank you! No need to do them again! Just email me @ lpjhome@gmail.com 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. Move your net worth in the right direction by getting “11 Quick Financial Tips to Boost Your Wealth” at http://www.lindapjones.com.        
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32 min
September 1, 2017
311: 3 Financial Mistakes That Can Hurt Your Future
Learn what 3 financial mistakes not to make so you can have a bright future. New listeners please SUBSCRIBE! Here are 3 financial mistakes that can hurt your future: 1. Not becoming financially literate. When I was young, I had a thirst for knowledge and studied everything I could about finances. I took a lot of classes and studied for my CFP designation. I read books on mindset, journaled and listened to tapes. :) Today you can listen to mindset books on YouTube or Audible. I have a list of books I recommend on my Resources page on my website. Books on mindset that were amazing, besides Think and Grow Rich were The Magic of Believing and The Magic of Thinking Big. These are old classics, but the concepts are timeless and really inspiring. You also want to learn things like tax rules so you know what expenses are deductible. Get familiar with the tax code a bit. Get educated about investing in the stock market. It’s a basic to learn because your IRA’s or 401(k) are typically going to be invested in the stock market. Take some time to learn about funds, expense ratios, ETFs, active vs. passive management, asset allocation, etc. Because you’re here, I know you’re already doing this and not making this mistake! Be sure to start working on your wealthy mindset, it’s Step 1 to Wealth!   2. Not staying out of debt. Lots of people are still drowning in consumer debt on credit cards, student loans and car loans. The only debt that’s ok with me is mortgage debt. You’ve got to stay away from the consumer debt and get it paid off asap. The only debt I’ll not be strict about is student debt below 3% that is long-term.   3. Not being a good saver. It’s important to start saving (Step 2 to Wealth) and creating capital you can eventually invest with. It may be smartest to save in a 401(k) first, if your company matches your contribution. Many companies match 3% or more of your contribution, yet many employees don’t take advantage of the free money! It also grows without income tax. You’re not taxed on your earnings and the money your money earns. You’re only taxed when the money comes out in retirement. Free money plus tax advantages. Of course, the downside is you have to leave it in until age 591/2 or there is a 10% penalty plus income tax due on what you withdraw. Starting to save for retirement early makes it much easier. It allows you to compound longer. For example: If you invest $1,000 per year @ 8% and start at age 25, that $40,000 will grow to $301K at age 65. If you wait until 35, and invest $1k a year for 30 years, at age 65 you’d have $132k. Even if you dumped in an extra $10,000 at 35 and then invest $1k per year for a total of $40k invested, it would only grow to $222k, or $79k less! Plus you had to come up with a $10k lump sum! Starting early is easiest! Just do $25 or $50 a month if that’s all you can do, but start saving early.   Want more? Follow me on Instagram! I just mentioned I’ll be making a big announcement soon! A goal I’ve been working toward for 10 years is about to come true! I’ll post it on Instagram first! 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've already done all 4 above, great! Thank you! No need to do them again! Just email me @ lpjhome@gmail.com 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. Move your net worth in the right direction by getting “11 Quick Financial Tips to Boost Your Wealth” at http://www.lindapjones.com.    
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13 min
August 30, 2017
310: What 7 Things You Should Do Immediately If You Want to Become a Millionaire
Learn steps to take right now to become a millionaire. It may surprise you! ******************************** This episode is brought to you by Sanebox. Sanebox manages the email in your inbox. As my friend Doug Goldstein said, “I’ve been using Sanebox for years. It took a couple of weeks, but I got down to “inbox zero,” where I’ve had complete control of my email. It has made me much more efficient and organized, and to this day, my inbox is emptied out every day… and no emails get lost.” Sanebox… - filters out the unimportant emails so you can deal with it later - sort emails into folders, like news, receipts, attachments and more - has the ability to sort emails that haven't been replied to - can snooze, set reminders, and more - Makes email way less overwhelming - Helps you get more done with less distraction If you’re in need of getting your email inbox to “zero”, try Sanebox. Just go to http://www.sanebox.com/bewealthy You will automatically have a $20 credit applied to your account on top of a 14-day free trial. Just go to http://www.sanebox.com/bewealthy   *********************************** Here are the steps to take immediately to become a millionaire: 1. Make a decision to become wealthy & write it down in Wealth Journal 2. Work on your wealthy mindset - get positive, listen to tapes, say affirmations, change negative beliefs (win my Wealthy Mindset Blueprint) 3. Pay off debt and start saving $$$ 4. Read for more knowledge - Think & Grow Rich, How to Make Money in Stocks, Rich Dad Poor Dad, links on my website Resources page. 5. Take advantage of free $$$ in 401(k) 6. Start learning how to invest…whether stocks, real estate, etc. *Podcasts *Books *Audio books 7. Develop a team - realtor, CPA or tax advisor, financial advisor ***************************  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've already done all 4 above, great! Thank you! No need to do them again! Just email me @ lpjhome@gmail.com 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.    
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16 min
August 28, 2017
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 will post the article in the show notes and on my website. 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've already done all 4 above, great! Thank you! No need to do them again! Just email me @ lpjhome@gmail.com 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. Move your net worth in the right direction by getting “11 Quick Financial Tips to Boost Your Wealth” at http://www.lindapjones.com.    
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14 min
August 25, 2017
308: 5 Money Mindset Mistakes
Learn what 5 common money mindset mistakes are and how to avoid them. The article is here: http://www.smartcompany.com.au/finance/wealth-management/top-five-financial-mindset-mistakes/ Your homework is to find a quiet place and close your eyes. Think about each mistake and check in with yourself if you think you are making one of these mistakes. If so, write in your wealth journal why you think the way you do and how you will dedicate yourself to thinking differently.   ********************************   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've already done all 4 above, great! Thank you! No need to do them again! Just email me @ lpjhome@gmail.com 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.   Move your net worth in the right direction by getting “11 Quick Financial Tips to Boost Your Wealth” at http://www.lindapjones.com.      
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17 min
August 23, 2017
307: When Money Actually Does Buy Happiness
Learn about studies that show when money makes you happier. The results will surprise you! A study on money and happiness provided startling results about happiness, wealth and marriage. From time.com, the article is here: http://time.com/money/3934531/money-happiness/   ******************************************************   This episode is brought to you by Sanebox. Sanebox manages the email in your inbox. As my friend Doug Goldstein said, “I’ve been using Sanebox for years. It took a couple of weeks, but I got down to “inbox zero,” where I’ve had complete control of my email. It has made me much more efficient and organized, and to this day, my inbox is emptied out every day… and no emails get lost.” How does an empty email inbox sound to you? Sanebox… - filters out the unimportant emails so you can deal with it later - sort emails into folders, like news, receipts, attachments and more - has the ability to sort emails that haven't been replied to - can snooze, set reminders, and more - makes email way less overwhelming - helps you get more done with less distraction If you’re in need of getting your email inbox to “zero”, try Sanebox. Just go to http://www.sanebox.com/bewealthy You will automatically have a $20 credit applied to your account on top of a 14-day free trial. Just go to http://sanebox.com/bewealthy   ****************************************************** 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've already done all 4 above, great! Thank you! No need to do them again! Just email me @ lpjhome@gmail.com 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.      
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23 min
August 21, 2017
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 @ 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've already done all 4 above, great! Thank you! No need to do them again! Just email me @ lpjhome@gmail.com 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.
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14 min
August 18, 2017
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 @ 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've already done all 4 above, great! Thank you! No need to do them again! Just email me @ lpjhome@gmail.com 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.  
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8 min
August 16, 2017
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 @ 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've already done all 4 above, great! Thank you! No need to do them again! Just email me @ lpjhome@gmail.com 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.  
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13 min
August 14, 2017
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 @ 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've already done all 4 above, great! Thank you! No need to do them again! Just email me @ lpjhome@gmail.com 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.      
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7 min
August 11, 2017
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: 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've already done all 4 above, great! Thank you! No need to do them again! Just email me @ lpjhome@gmail.com 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.  
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14 min
August 9, 2017
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 & 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 @ 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've already done all 4 above, great! Thank you! No need to do them again! Just email me @ lpjhome@gmail.com 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.   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.  
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13 min
August 7, 2017
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 @ 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've already done all 4 above, great! Thank you! No need to do them again! Just email me @ lpjhome@gmail.com 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.    
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18 min
August 4, 2017
299: ENCORE: The Money Podcast
Learn the truth about money and wealth building. I’m going to push back on experts who write about how to build wealth! The articles usually go something like this: Budget yourself silly. Don’t spend any money. Don’t live beyond your means. Pay off all debt. Contribute to your 401k. Have a great life! Lol! Some of these have merit, but some don’t. I’ll go through each point in a minute. I’m going to give you a step-by-step plan. There are two different financial scenarios - one scenario for people that have massive credit card debt and one for those who don’t. Credit card debt and student loans are a real problem that need to be taken care of first. High interest rates compound and grow quickly so the debt will grow fast unless you vigorously attack it. Make them Priority #1! Student loans may be at low interest rate, but it is not excusable in court even in bankruptcy. It’s a permanent weight around your neck that has to go! Let’s revisit the points I mentioned earlier. 1. Budget yourself silly. 2. Don’t spend any money. Budgets can be hazardous to your wealth! Like diets: feel restrictive, want to go off them, can give you a bad relationship to money. 3. Don’t live beyond your means - obviously! Don't get yourself into consumer debt except a mortgage. 4. Pay off all debt - wrong! A mortgage is ok, tax deductible. You need to establish credit. Pay off debt that’s not mortgage debt or business debt that you are successfully using to grow your business. 5. Contribute to your 401k - yes, but it’s not enough if that’s all you do to save and invest! 6. Have a great life! Lol! How can you spend nothing, try to pay off a huge mortgage, pay for kids to go to college and have any money left to enjoy life? The second financial scenario is for people who earn more than they spend. For them I have advice that I call the 6 Steps to Wealth. 1. Create a wealthy mindset Work on a positive mind, thoughts, goals. Repetition. 2. Save a nestegg Save money to invest, need capital to start. 3. Find a mentor Follow people who have successfully made millions, not starving journalist. 4. Invest in a money engine Must invest to create wealth! Can be a business, stocks, real estate, etc. No one way is right, but be smart about valuations you are paying! Money moves in cycles and peaks in bubbles. 5. Compound at a high rate Let your money compound. Try to improve your rate of return. Bank vs. stocks 6. Protect your wealth Don’t lose the wealth you have created. ************************************************* 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 @ 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've already done all 4 above, great! Thank you! No need to do them again! Just email me @ lpjhome@gmail.com 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.  
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17 min
August 2, 2017
298: ENCORE: Set and Accomplish Big Goals with Jeff Hoffman
Learn how to set and accomplish huge goals with Priceline co-founder, Jeff Hoffman. Jeff talks about how a dream became the $60 billion company, Priceline.com and how he won a Grammy for his first album! Hear from a penultimate entrepreneur how to get off the couch and create the success most people only dream about. Learn the power of writing things down. This is a fascinating interview you won’t want to miss! Mentioned in this Episode: Jeff Hoffman, former Co-Founder of Priceline.com co-authored a book called Scale: Seven Proven Principles to Grow Your Business and Get Your Life Back   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 @ 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've already done all 4 above, great! Thank you! No need to do them again! Just email me @ lpjhome@gmail.com 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.  
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37 min
July 31, 2017
297: ENCORE: Investing like billionaires with Richard C. Wilson
Learn why billionaires are all around you, how they invest and what they look for when investing. Get an inside view of the ultra wealthy, what’s myth and what’s reality? Get the Single Family Office book by Richard C. Wilson.   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 @ 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've already done all 4 above, great! Thank you! No need to do them again! Just email me @ lpjhome@gmail.com 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 www.lindapjones.com.    
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28 min
July 28, 2017
296: Listener Q: What’s My Next Step to Wealth?
Learn what the next step to wealth may be for you. Good evening Linda! I really appreciate your podcast as well as the giving of your time! I listen to it on the way home from teaching school and the podcasts that I miss, I listen to on the weekend. Sometimes I listen to your podcast more than once with my headphones on sitting at my desk during lunch.  I make 41k a year. I have been training my mindset for 3-4 years. I want to get out of teaching and create wealth but I don't know where to start. I journal daily and I have a positive mind set. I basically want to have my own business and create wealth and financial freedom. As you know teaching school does not do that and it takes up 10 to 12 hours a day. Ugh! The only thing I can think of is maybe a business like painting and decorating. I do not have a degree or education in it but I like doing this. Do you have other ideas? Any suggestions will help. Thank you,  Nancy Thank you Nancy (name changed to protect identity)! I’m so glad you found the podcast. As I read your letter, I couldn’t help but wonder how many other people feel the same way you do about their job and aspirations? You want to get out of the rat race and do something that’s more enjoyable. You want to not be chained to a job that’s a drag and you want financial freedom! Let’s talk about your next steps or anyone’s next steps. The Twin Pillars of Wealth are investing like billionaires and creating a luxury brand business. The easiest for anyone to do is to get started investing. I studied wealth building my whole life and determined this is how you go from not wealthy to wealthy. Remember the 6 Steps to Wealth™: 1. Create a wealthy mindset 2. Save a nest egg 3. Find a mentor (knowledge source) 4. Invest in a money engine 5. Compound at a high rate 6. Protect your wealth Working on mindset is continuous. The next step for you is to save a nest egg for investing and also perhaps starting a business. Listen to my podcast #293 about where to invest $300 to $500 if you’re just starting out. Can get working on your business on the side. I once started a side business as a jewelry wholesaler. I discovered it wasn’t at all what I wanted. I also took interior design classes. That wasn’t for me either. They are still hobbies, but not my business. Next step is to start saving so you can invest (preferably in an ETF). Simultaneously see if you can advance yourself toward interior design or painting (walls or portraits?) on weekends. It’s going to require hard work and dedication to do both, but the excitement of moving forward with your dreams should help you jump out of bed and be happy working on the weekends. If not, re-evaluate! *************************************************** 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 @ 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've already done all 4 above, great! Thank you! No need to do them again! Just email me @ lpjhome@gmail.com 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.    
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11 min
July 26, 2017
295: Tech Stocks Finally Back to Year 2000 Highs. Now What?
Learn how tech stocks get ahead of themselves sometimes and how not to get burned. Stocks got ahead of themselves in the year 2000 and it took 17 years to get back to where they were! Bubbles can create unreasonable valuations that are very extended because investors invest by betting on their success in the future and ignoring the outrageous valuations of today. Just like today we have FAANG stocks, in 2000 - the “Four Horsemen of the Internet” - Intel, Microsoft, Dell, and Cisco Systems. Back in the year 2000, what drove them is the “Y2K” scare, only people didn’t realize it. They thought is was the “New Economy”. It was about “eyeballs” and “bricks and clicks”, not earnings and profits. This can happen for an extended period. Investors get caught up in the next “new thing”. They forget it has to make money! Earnings growth is what drives stock prices! Investors buy stocks in anticipation of future earnings growth, but it can get out of hand. In this case, it was 17 years ahead of itself! Back in 2000, it seemed like Microsoft was unstoppable and would forever be on every computer. Then LINUX came out, the US Government started an anti-trust case, and Apple started to get more popular as a micro computer. Then corporations that had approved special budgets for hardware and software to be safe for Y2K, stopped buying and profits dried up and the stock market crashed. When companies miss their earnings targets, their stocks decline. The darling “4 Horsemen” tanked and so did the rest of the market. It declined over the next 3 years until the bottom in 2002. Now the information technology index has risen above where it was in 2000. Tech stock fundamentals look good, but the FANG’s may have gotten ahead of themselves. The stock market has narrowed considerably to a few stocks - the FAANG’s. Here is the article. I’ll also post the article on my website. Here is the article: http://www.cnbc.com/2017/07/19/sp-information-technology-sp701-spx-near-2000-high.html How can you tell if stocks are ahead of themselves? An easy metric is checking the P/E ratio. Price-to-earnings ratio is price divided by earnings per share. The average for the entire stock market is about 15 to 17 over the long term. Certain high growth stocks can get ahead of this. A P/E of 25 says you’ll pay $25 for $1 of additional earnings. Right now Amazon has a P/E of about 178. That means you’re paying $178 for each $1 of additional earnings. Does that make sense to you? It seems like bubble territory to me. 2. Are sales and earnings rising? What are the new products coming? Apple iPhone has a new version coming out. I hear it is going to be $1200. Is that going to generate sales or stagnate them? Tesla has a less expensive version coming out, but can it sell enough to continue to justify a high stock price over $300 and P/E ratio of -$68.86. It has an EPS loss of -$4.77. Just to be clear, it’s not profitable yet, but the market has given it a valuation of $54B. Could that have gotten ahead of itself and priced in gains that won’t be seen for maybe another 17 years? Hmmm. Are there even earnings at all? On many tech leaders, there aren’t. That makes is a big game of musical chairs because as long as the music keeps going, the stocks keep going up. When the music stops (from whatever cause, internal or external), the price may drop substantially because there is nothing to support it except investors bidding up the price based on future hope. It should be noted, it does have a huge group of investors who are selling the stock short, betting it will go down. Because you have to borrow the stock and hope to buy it back at a lower price, your losses can be unlimited. Therefore, short sellers are forced to buy back the stock to cover their positions and losses, driving the price higher. It’s convoluted but it is happening! 3. What are competitors doing? Are there new competitors in the market place? 4. Is there new technology competing with this? Is the market changing? Is the market growing or declining? Oil vs. solar will be a big change. 5. The main thing I want to stress is profitability. When companies get way ahead of themselves and sell for outrageous valuations, a realignment is coming, the question is only: when?   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 @ 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've already done all 4 above, great! Thank you! No need to do them again! Just email me @ lpjhome@gmail.com 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 www.lindapjones.com.    
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23 min
July 24, 2017
294: Make Investing Your Hobby
Learn why it pays to make investing one of your hobbies. Thomas J. Stanley, author of the classic book, The Millionaire Next Door, said: “On average, millionaires spend significantly more hours per month studying and planning their future investment decisions, as well as managing their current investments, than high-income nonmillionaires.” It’s true. When I hang out with my multi-millionaire friends, some of our time is spent talking about investing - stocks, real estate, the economy, etc. We love to share success stories about ourselves and our friends or things we’ve read about what’s working ie. “this friend of a friend started selling widgets on Amazon and made $20 million” or “this girl started a jeans/makeup/tshirt line because of her Instagram following and made $2 million” or “I heard one of the early investors in Bitcoin now has $100 million in his investment.” The conversation is always about possibilities and success stories, so we encourage each other with what’s possible. Other friends I have that aren’t multi-millionaires might talk more about finding their next job or why they don’t like their boss. One is looking for encouragement, belief and possibilities and one is seeing limitation or choosing to limit themselves. I still love them, but I notice there is a different focus. Which comes first, the focus or the money? I say the focus, because the money is in your thoughts before it becomes reality. A wealthy mindset is step #1 to wealth.     Have you heard? 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've already done all 4 above, great! Thank you! No need to do them again! Just email me @ lpjhome@gmail.com 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 www.lindapjones.com.  
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12 min
July 21, 2017
293: Listener Q: Where to invest $300 to $500?
Learn 17 potential places to invest a small amount of money. It’s listener question day! Here is our question: Linda, I only have a small amount to invest, about $300 to $500. Where should I start? Sam There are many options you have. Since I don’t know anything about your circumstances, I’m going to give you a list of choices. Assuming all your consumer debt is paid off. If not, start there to get back to stability.   1. Start an emergency fund. Keep it in a separate (no-fee) checking or savings account, if possible. 2. Flexible Spending Accounts (FSA) and Health Savings Accounts (HSA) are both great ways to reduce your income taxes by paying for medically-related expenses with pre-tax money — that is, money deducted from your paycheck before income taxes are calculated on your pay. You put money into that you use to pay for certain out-of-pocket health care costs. This means you'll save an amount equal to the taxes you would have paid on the money you set aside. 3. Pay 1/12 extra on your mortgage to pay it off faster and save thousands of dollars in interest. 4. Invest in an ETF or mutual fund. ETF’s are passive, mutual funds are actively managed, but more expensive. Spyder S & P 500 fund (SPY, .09% expense ratio) or Vanguard All Market Index (VTI, .05% expense ratio). Dividend Aristocrats - 25 years of consecutive increasing dividends (NOBL, .35% expense ratio). 5. Term insurance. Creates an immediate estate in case of your untimely death. Can buy $100k to $500k depending on your age, health, gender, smoking, dangerous hobbies, etc. 6. Silver coins, still about $25 a piece. 7. Shares of stock. One share of Disney to get the special stock certificate, or Starbucks, etc. 8. REIT. Vanguard REIT (VNQ, .12% expense ratio) Outside of the box… 9. Bitcoin 10. Hire a CPA - to help you reduce your taxes if you make $75k + 11. Subscription to IBD, WSJ or Kiplinger's 12. Condo down payment fund 13. Start a business 14. Have a garage sale to raise more funds 15. Hire an organizer 16. Buy a bus pass 17. Invest in a computer to start an online business Although you can consider all of these, if you are around age 30 or under, making your first real investment, I’d start with the Vanguard All Market Index ETF.   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've already done all 4 above, great! Thank you! No need to do them again! Just email me @ lpjhome@gmail.com 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 www.lindapjones.com.  
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16 min
July 19, 2017
292: How to Get Rich and Stay Rich
Learn the 3 things you shouldn’t change to get rich and stay rich. "Same house, same spouse, same car.”  - Thomas J. Stanley, author of The Millionaire Next Door I just talked about 2 of the 3 things on podcast #290. If you haven’t listened to it, I go into depth about why people are watching the small expenditures and missing the huge ones that keep you from achieving financial independence. I'm having a summer giveaway through the end of September 2017...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 @ 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've already done all 4 above, great! Thank you! No need to do them again! Just email me @ lpjhome@gmail.com 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 www.lindapjones.com.  
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13 min
July 14, 2017
291: How to Retire by Age 40
Learn how much money you have to save each month to retire by age 40. Article on CNBC.com by Kathleen Elkins. The numbers may discourage you, but I'll show you why it doesn't have to get you down. It's not as hard as you think. The article assumes a straight line. I don’t know about you, but I started out making a pittance in my 20’s and over a hundred thousand dollars a year in my 30’s and 40’s. The amount of savings should dramatically increase. Some people talk about skimping their way to retirement at 40. There’s a trend to live in a house the size of a shed, ride a bike and don’t own a car and not to eat out or entertain. That’s not my style and it might not be yours either. You can retire early while still enjoying life and having creature comforts but it means you have to invest well and compound at a high (8 to 12% rate). A good idea to make investing your hobby. Whether you are flipping houses on the side or investing in stocks or starting an online business, you’re going to have to get to higher levels of compounding. So get good at it! You also want multiple asset classes: stocks, real estate, own business, collectibles, etc. It’s all about the savings and compounding over a long period of time. Of course, the higher the rate you compound at, the sooner you will be wealthy. Try to have your deductions to investments automatically be taken out of your paycheck or bank account. That way, you’re not tempted to spend it if it’s not in your account. When you get raises, save more, put more in your 401k or start an IRA. Max out your savings and investments whenever possible. If you want to retire by 40, you’re going to have to be intensely focused and invest wisely. It’s much harder to save your way to retirement than to invest your way to retirement. Get your money working harder for you. I’ll post the article on my website at http://lindapjones.com, podcast 291. Please subscribe and leave me a review on iTunes or Stitcher Radio. Connect with me on social media at Twitter and IG @Lindapjones and Facebook @lindapjonesfanpage. Move your net worth in the right direction by getting “11 Quick Financial Tips to Boost Your Wealth” at www.lindapjones.com.
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16 min
July 13, 2017
290: Watch the Hundreds Not the Pennies
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. Business Insider: “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 cars every 3 to 4 years is a mistake that will cost you thousands. Invest that and over 25 years it can be $250k. Where people go wrong is not learning how to invest. A friend has had success with real estate, which is great, but in 2008 almost lost everything because a luxury spec home they build which they thought would sell for $3 million at the peak, they had to let go for a $1.5 million, below their breakeven. Instead of investing, I noticed their house it full to the brim - drawers in the guest room are full, guest closets are all full, the garage is too full for 2 cars, the basement is packed full of stuff! That tells me there are no investing goals that are being followed, there’s a lot of spending that’s extraneous and things aren’t being used. It’s not for me to judge, but I do notice that there’s no money for anything because there’s so much clutter! How many people are surrounded by clutter from small purchases that make you feel good or volume purchases at COSTCO that accumulates a lot of stuff you don’t use. These are the reasons you haven’t reached your financial goals. That - and an investment plan that will help you compound at a higher rate (Step 5 of the 6 Steps to Wealth). The reason why a home is the largest asset for a lot of people is not just because home prices has been one of the best performing asset classes for the last 20 years, but because of the “forced savings” that a mortgage causes you to have. Paying a payment for 30 years, is a forced discipline that is paying off your interest and principal monthly. As you pay down your debt, the equity in your home increases, thereby giving you more net worth every month. Disciplined investing (in this case by borrowing), is a secret that will help you build wealth. Regular deductions into a 401k or IRA or mutual fund or brokerage account will provide systematic payments into investments that can compound at 8 to 10% over the long run, if history repeats. So let’s not sweat the coffee. Watch the hundreds and thousands you spend, not the pennies. I’ll post the article on my website. Please subscribe and leave me a review on iTunes or Stitcher Radio. Connect with me on social media at Twitter and IG @Lindapjones and Facebook @lindapjonesfanpage. Move your net worth in the right direction by getting “11 Quick Financial Tips to Boost Your Wealth” at www.lindapjones.com.  
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20 min
July 10, 2017
289: Your Money History is Driving Your Money Habits
Learn why what has happened to you in the past is important to your present self. I’m traveling and visiting with friends who have mentioned money stories from their past, without any consciousness about how it is connected to their present. One mentioned money was so important to her Mom that she wouldn’t give her garage sale items. She had to buy them from Mom. She ended up buying back a gift she gave to her dad and her brother wanted it so she gave it to him. She paid for it twice and didn’t get what she wanted. Although she is affluent, she sees herself as “poor” and without discretionary income, though her closets and house are jammed with things. She mentions she “wishes” she could retire, but resists being responsible with money due to her underlying pain. Another owns 3 homes and carries no cash, so she always is “broke”. Her father had his own business and it was very up and down, so he put tight reigns on the money. They are real estate rich but cash poor due to 2 kids in college and lots of expenses from the homes, traveling, and a horse. I talked with her about the fact her net worth is over $4 million, but she compares herself to Bill Gates and says she’s poor. Another mentioned her dad lost himself in stocks. All conversations had to lead to stocks. She and her sister felt ignored and resentful. They don’t like talking about stocks today. What is going on here? Why are these well off women choosing to feel poor? Why is their self-talk about being poor? Do you realize the majority of the world exists on $2 a day? They can’t see the underlying money blocks. For clues to your money blocks, think about your upbringing. - What do you remember your parents saying or acting like with money? Pretend you won the lottery. What is your next thought after Yay? -Is it what do I do now?, How do I not lose it?, It feels like a burden? Your history with money effects your present money. Spend some time with this and find where your money pain is. Please subscribe and leave me a review on iTunes or Stitcher Radio. Connect with me on social media at Twitter and IG @Lindapjones and Facebook @lindapjonesfanpage. Move your net worth in the right direction by getting “11 Quick Financial Tips to Boost Your Wealth” at www.lindapjones.com.  
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13 min
July 7, 2017
288: Tom’s Founder Shares the One Habit That Helped Him Get Rich
Learn the one habit that helped Tom’s shoe founder get rich and how it can help you too. Find the article on my website at http://lindapjones.com, podcast 288. My Wealth Journal is available on Amazon.com. There is a live link on my website at http://lindapjones.com, podcast 288. Please subscribe and leave me a review on iTunes or Stitcher Radio. Connect with me on social media at Twitter and IG @Lindapjones and Facebook @lindapjonesfanpage. Move your net worth in the right direction by getting “11 Quick Financial Tips to Boost Your Wealth” at www.lindapjones.com.    
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9 min
July 5, 2017
287: World’s 13 Best Cities for Renters
Learn the world's 13 best cities for renters based on percentage of income to pay rent. Really interesting article from CNBC’s, Kathleen Elkins. Selected this article for you because I realized it hits a lot of different possibilities. Maybe you’re a young person who wants to travel the world or you’re a retiree wondering how to make your money go farther. Perhaps you love to travel, can work from anywhere and are thinking of what city to have as a hub for a while. Typically the deals are in the emerging market countries, known as BRICS. Article is posted on my website at http://lindapjones.com, podcast 287. Please subscribe and leave me a review on iTunes or Stitcher Radio. Connect with me on social media at Twitter and IG @Lindapjones and Facebook @lindapjonesfanpage. Move your net worth in the right direction by getting “11 Quick Financial Tips to Boost Your Wealth” at www.lindapjones.com.
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10 min
July 3, 2017
286: How Much Money Does it Take to Be Considered Wealthy?
Learn how much money Americans think it takes to be considered wealthy. From CNBC.com, Kathleen Elkins: According to a Schwab survey on wealth, Americans say it takes an average of $2.4 million to be considered "wealthy." As for how much it takes to be "financially comfortable," survey respondents say it's an average of $1.1 million. By that standard, less than 10 percent of American households qualify as "comfortable," since less than 10 percent have over a million dollars. Americans are split on their definitions of wealth, with some describing wealth as a specific sum of money and others describing it more as a state of mind. When asked to define wealth, the top five sentiments among 1,000 Americans are: 1. Having a lot of money (27 percent) 2. Enjoying life’s experiences (24 percent) 3. Being able to afford anything they want (22 percent) 4. Living stress-free and having peace of mind (19 percent) 5. Having loving relationships with family and friends (12 percent) However, when asked to compare two opposing ideas of wealth at a more personal level, Americans lean into things that money can’t buy: •Sixty-five percent equate wealth with having good physical health vs. having lots of money (35 percent) •Fifty-eight percent say wealth is about having gratitude vs. having money (42 percent) This one surprised me because I think it’s a big departure from past generations of parents and grandparents: •Fifty-six percent believe wealth is about building community vs. working on one’s career (44 percent) Article is on my website at http://lindapjones.com, podcast 288. Please subscribe and leave me a review on iTunes or Stitcher Radio. Connect with me on social media at Twitter and IG @Lindapjones and Facebook @lindapjonesfanpage. Move your net worth in the right direction by getting “11 Quick Financial Tips to Boost Your Wealth” at www.lindapjones.com.    
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8 min
July 1, 2017
285: 800k Thank You’s!
Learn what listeners have to say about the podcast. Thank you for 800,000 downloads! When I started the podcast, I really had no idea how it would do. I can't be more pleased that we've found a great following of the most amazing listeners. I appreciate each and every one of you for listening and loving the show. It's for you and I'm loving that we are listened to in over 171 countries. Thank you!!! I’d like to say a special thank you to people who have written reviews of the show. It means a lot to me and I love to get to know you by hearing your thoughts. Please subscribe and leave me a review on iTunes or Stitcher Radio. Connect with me on social media at Twitter and IG @Lindapjones and Facebook @lindapjonesfanpage. Move your net worth in the right direction by getting “11 Quick Financial Tips to Boost Your Wealth” at www.lindapjones.com.
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9 min
June 28, 2017
284: Common Financial Mistakes Made by Women
Learn the most common financial mistakes women make and how to solve them. Great for men too! Please subscribe and leave me a review on iTunes or Stitcher Radio. Connect with me on social media at Twitter and IG @Lindapjones and Facebook @lindapjonesfanpage. Move your net worth in the right direction by getting “11 Quick Financial Tips to Boost Your Wealth” at www.lindapjones.com.
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33 min
June 26, 2017
283: Inheriting Money? Why You Need a Will
Learn why you need a will and what to do if you might be inheriting money from parents. The article is posted on my website at http://lindapjones.com, podcast 283. Please subscribe and leave me a review on iTunes or Stitcher Radio. Connect on social media on Twitter and IG @Lindapjones and FB @lindapjonesfanpage. Move your net worth in the right direction by getting “11 Quick Financial Tips to Boost Your Wealth” at www.lindapjones.com.
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7 min
June 23, 2017
282: SNAP Back to IPO Price, Buy Now? - Listener Question
Learn how to analyze a stock like SNAP. Today is listener question Friday! Here is today’s question: Linda, I see SNAP went back to its IPO price. Do you recommend buying it? Nancy Please subscribe and leave me a review on iTunes or Stitcher Radio. Connect on social media at Twitter and Instagram @Lindapjones and Facebook @lindapjonesfanpage. Move your net worth in the right direction by getting “11 Quick Financial Tips to Boost Your Wealth” at www.lindapjones.com.
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5 min
June 21, 2017
281: Meet a Bitcoin Millionaire at Age 18
Learn how an 18 year old became a millionaire in Bitcoin. The article is posted on my website at http://lindapjones.com, podcast 281. Please subscribe and leave me a review on iTunes or Stitcher Radio. Connect on social media on Twitter and Instagram @Lindapjones and @ lindapjonesfanpage on Facebook. Move your net worth in the right direction by getting “11 Quick Financial Tips to Boost Your Wealth” at www.lindapjones.com.
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8 min
June 20, 2017
280: Wine Collecting vs. Classic Cars as Investments
Learn whether wine collecting or classic cars have been a better investment. Article is posted on my website at http://lindapjones.com, podcast 280. Please subscribe and leave me a review on iTunes or Stitcher Radio. Connect on social media at Lindapjones and lindapjonesfanpage. Move your net worth in the right direction by getting “11 Quick Financial Tips to Boost Your Wealth” at www.lindapjones.com.
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6 min
June 16, 2017
279: Millionaire Mindset Resources
Learn my favorite millionaire mindset books and how to find more resources. It's listener question Friday! Here's the email I received from Mandy: Hi Linda! I just want to thank you for talking more about mindset on your podcast lately. After my spouse and I listened to all the audio books on mindset from Think and Growth Rich to Secrets of Millionaire Mind suggested on your website under resources, we noticed something shifted within us. Please recommend more mindset books! We love them! Mandy Check out my resources page at http://lindapjones.com/resources. Please subscribe and leave me a review on iTunes or Stitcher Radio. Move your net worth in the right direction by getting “11 Quick Financial Tips to Boost Your Wealth” at www.lindapjones.com.
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5 min
June 14, 2017
278: Billionaire Once So Broke, He Didn’t Even Have $2
Learn what billionaire, Kevin Plank, CEO of Under Armour, learned from having less than $2 that helped him become rich. The article is on my website at http://lindapjones.com, podcast 278 Please subscribe and leave me a review on iTunes or Stitcher Radio. Move your net worth in the right direction by getting “11 Quick Financial Tips to Boost Your Wealth” at www.lindapjones.com.  
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7 min
June 12, 2017
277: Daymond John’s 5 Principles to Become a Millionaire
Learn Damond John's "5 Shark Principles" to become a millionaire. A link to the article from CNBC.com is posted on my website at http://lindapjones.com, podcast 277. Please subscribe and leave me a review on iTunes or Stitcher Radio. Move your net worth in the right direction by getting “11 Quick Financial Tips to Boost Your Wealth” at www.lindapjones.com.
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12 min
June 9, 2017
276: 3 Ways Millionaires Think Differently
Learn 3 ways millionaires think differently and how you can apply it to create your wealthy mindset. Before we get started, I wanted to let you know about another awesome podcast called Profit Boss Radio. Profit Boss Radio, hosted by MBA and Certified Financial Planner Hilary Hendershott, highlights inspiring women who have created success in their financial and professional life. Each week you can tune in and hear how women have paved the road to sustained success with both beliefs and actions. Check it out at www.profitbossradio.com. The article is posted on my website at http://lindapjones.com, podcast 276. Please subscribe and leave me a review on iTunes or Stitcher Radio. Move your net worth in the right direction by getting “11 Quick Financial Tips to Boost Your Wealth” at www.lindapjones.com.  
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14 min
June 7, 2017
275: America’s Richest Self-Made Women
Learn who America's richest women are according to the Forbes list. Before we get started, I wanted to let you know about another awesome podcast called Profit Boss Radio. Profit Boss Radio, hosted by MBA and Certified Financial Planner Hilary Hendershott, highlights inspiring women who have created success in their financial and professional life. Each week you can tune in and hear how women have paved the road to sustained success with both beliefs and actions. Check it out at www.profitbossradio.com. The article is posted on my website at http://lindapjones.com, podcast 275. Please subscribe and leave me a review on iTunes or Stitcher Radio. Move your net worth in the right direction by getting “11 Quick Financial Tips to Boost Your Wealth” at www.lindapjones.com.  
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7 min
June 5, 2017
274: The Surprising Cost of Selling a Home
Learn the surprising costs of selling a home and an important strategy for your wealth building. Before we get started, I wanted to let you know about another awesome podcast called Profit Boss Radio. Profit Boss Radio, hosted by MBA and Certified Financial Planner Hilary Hendershott, highlights inspiring women who have created success in their financial and professional life. Each week you can tune in and hear how women have paved the road to sustained success with both beliefs and actions. Check it out at www.profitbossradio.com. The article is posted on my website at http://lindapjones.com, podcast 274. Please subscribe and leave me a review on iTunes or Stitcher Radio. Move your net worth in the right direction by getting “11 Quick Financial Tips to Boost Your Wealth” at www.lindapjones.com.
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10 min
June 2, 2017
273: Don’t Leave Social Security Money on the Table
Learn how not to leave Social Security money on the table.  Before we get started, I wanted to let you know about another awesome podcast called Profit Boss Radio. Profit Boss Radio, hosted by MBA and Certified Financial Planner Hilary Hendershott, highlights inspiring women who have created success in their financial and professional life. Each week you can tune in and hear how women have paved the road to sustained success with both beliefs and actions. Check it out at www.profitbossradio.com. The article is posted on my website at http://lindapjones.com, podcast 273. From Beth: Very interesting! I set up an account and reviewed my earnings. Looks like a previous employer did not report my earnings. Getting that rectified. Thanks, Linda!  Please subscribe and leave me a review on iTunes or Stitcher Radio. Move your net worth in the right direction by getting “11 Quick Financial Tips to Boost Your Wealth” at www.lindapjones.com.    
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7 min
May 31, 2017
272: Do You Have What it Takes to Become a Millionaire?
Learn if you have what it takes to become a millionaire. Before we get started, I wanted to let you know about another awesome podcast called Profit Boss Radio. Profit Boss Radio, hosted by MBA and Certified Financial Planner Hilary Hendershott, highlights inspiring women who have created success in their financial and professional life. Each week you can tune in and hear how women have paved the road to sustained success with both beliefs and actions. Check it out at www.profitbossradio.com. The article is posted on my website at http://lindapjones.com, podcast 272. Connect with me on TW and IG @lindapjones and Facebook @Lindapjonesfanpage. Please subscribe and leave me a review on iTunes or Stitcher Radio. Move your net worth in the right direction by getting “11 Quick Financial Tips to Boost Your Wealth” at www.lindapjones.com.
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17 min
May 29, 2017
271: 8 Things Young Millionaires Say About Money
Learn what 8 millionaires under the age of 25 have to say about money. Before we get started, I wanted to let you know about another awesome podcast called Profit Boss Radio. Profit Boss Radio, hosted by MBA and Certified Financial Planner Hilary Hendershott, highlights inspiring women who have created success in their financial and professional life. Each week you can tune in and hear how women have paved the road to sustained success with both beliefs and actions. Check it out at www.profitbossradio.com. Link to the article on my website at http://lindapjones.com Please subscribe and leave me a review on iTunes or Stitcher Radio. Move your net worth in the right direction by getting “11 Quick Financial Tips to Boost Your Wealth” at www.lindapjones.com.
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17 min
May 26, 2017
270: Should I Put My Money in this Bank?
Learn how to evaluate whether high interest bank account offers are worth their salt or not. Before we get started, I wanted to let you know about another awesome podcast called Profit Boss Radio. Profit Boss Radio, hosted by MBA and Certified Financial Planner Hilary Hendershott, highlights inspiring women who have created success in their financial and professional life. Each week you can tune in and hear how women have paved the road to sustained success with both beliefs and actions. Check it out at www.profitbossradio.com. This is listener question Friday. Our listener asks: Linda, I recently saw this headline advertising a bank: "This Secret Bank Has No Fees and Pays up to 100 Times the Normal Interest Rate." It’s an online-only bank account with no fees, no minimum balance and no minimum monthly deposit. It says it yields up to 1.00% interest, which is 100 times more than existing checking accounts! It goes on to say, “a debit card and free ATMs anywhere in the world make it more accessible than a typical savings account, and the high yield makes it far more lucrative.” What you think about that? Is it a good deal? Lindsay Good job asking questions and wanting more information.! Be careful of online “clickbait”. Online only banks are sprouting up. Does it matter to you if you can go visit a location if there’s a problem and they don’t answer the phone? Here’s what I was able to find out about this specific bank and offer: 1). They are upfront - it’s a start up and has been in business less than one year. 2). Offered by a registered investment adviser, which is a securities firm, not a bank (more on that later). 3). It is covered by FDIC insurance up to $250,000 per account per individual. 4). Prospective customers cannot sign up for an account immediately. After submitting your email address, you’ll able to enroll within seven to 14 days. You have to answer surveys and give more information. 5). Possibly cannot open multiple accounts and there is no mobile app, although they may have those items now, the information I read was that they were not available yet. 6). While it charges no maintenance fees, the account has a pay-what-you-want fee structure, and will periodically ask you to make donations of up to $6 per month (you can choose to pay $0). I would run from any business with a model like this, let alone a financial business! 7). It charges $25-$33 per overdraft, and there’s no limit to the number of these fees you can incur in one day. If your account is in the red for five consecutive days, you’ll be charged a daily $5 extended overdraft fee. Given that they lack savings accounts, you can’t sign up for an overdraft protection transfer service. 8). Fees for incoming and outgoing wires. Outgoing wires cost $40. One wire would negate a year’s interest. 9). It does not currently offer a joint checking account, savings accounts or CDs. 10). ATM fee: $0, with unlimited worldwide reimbursements. ATM fees are reimbursed without limit. STAR system, for example. This alone will cost them a lot of money and potentially kill their profitability. 11). The account also has a standard foreign-transaction fee of 1.1%. 12). Cannot make bill payments or write checks. 13). You will be paid 0.25% on balances up to $2,499.99 and 1.00% on balances of $2,500 or above. On $2500, 1% is only $25! While the market sounds great, you could easily incur another fee that would negate a year’s interest. 14). Be careful with blog recommendations of checking accounts and credit cards. They earn commissions (it’s in the small print on the website) when you buy products/services so while they try not to be biased, they are. To me, this looks like an operation that wants to cross-sell investment accounts to you, so they are willing to sell a loss-leader in order to get your other assets. A good old traditional bank or credit union will serve you much better. They have a long history of being in business, they have a fee structure that has allowed them to stay in business (you must make a profit!), and they have multiple products and services, plus account controls (like overdraft protection) that will serve you better. Remember, at 1% interest, it will take 72 years to double your money! Don’t get caught up in the too-good-to-be-true offers that make you $25. Work on getting to Steps 4 & 5 of the 6 Steps to Wealth: invest in a money engine and compound at a high rate. Savings accounts aren’t money engines. They are places to store your emergency fund or gather money before investing. Keep studying investments, as I know you are, and you’ll be much better off in the long run, Lindsay! Please subscribe and leave me a review on iTunes or Stitcher Radio. Move your net worth in the right direction by getting “11 Quick Financial Tips to Boost Your Wealth” at www.lindapjones.com.  
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12 min
May 24, 2017
269: The Real Cost of Money
Find out how to calculate whether buying an item is worth it to you or not. Before we get started, I wanted to let you know about another awesome podcast called Profit Boss Radio. Profit Boss Radio, hosted by MBA and Certified Financial Planner Hilary Hendershott, highlights inspiring women who have created success in their financial and professional life. Each week you can tune in and hear how women have paved the road to sustained success with both beliefs and actions. Check it out at www.profitbossradio.com. Article is posted on the website at http://lindapjones.com. Please subscribe and leave me a review on iTunes or Stitcher Radio. Move your net worth in the right direction by getting “11 Quick Financial Tips to Boost Your Wealth” at www.lindapjones.com.  
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14 min
May 22, 2017
268: The Hottest Luxury Real Estate Market in the U.S.
Learn where the hottest luxury real estate market is in the U.S. Before we get started, I wanted to let you know about another awesome podcast called Profit Boss Radio. Profit Boss Radio, hosted by MBA and Certified Financial Planner Hilary Hendershott, highlights inspiring women who have created success in their financial and professional life. Each week you can tune in and hear how women have paved the road to sustained success with both beliefs and actions. Check it out at www.profitbossradio.com. Article is posted on my website at www.lindapjones.com, podcast 268. Please subscribe and leave me a review on iTunes or Stitcher Radio. Move your net worth in the right direction by getting “11 Quick Financial Tips to Boost Your Wealth” at www.lindapjones.com.  
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7 min
May 20, 2017
267: Money Strategy: Mortgage or Car?
Learn whether it’s better to pay down a mortgage or buy a new car. Before we get started, I wanted to let you know about another awesome podcast called Profit Boss Radio. Profit Boss Radio, hosted by MBA and Certified Financial Planner Hilary Hendershott, highlights inspiring women who have created success in their financial and professional life. Each week you can tune in and hear how women have paved the road to sustained success with both beliefs and actions. Check it out at www.profitbossradio.com. It’s listener question day. Here’s today’s question: Linda, We have a 3rd baby on the way and want to know, should we pay down our mortgage or buy a new van? I’m 35 and my wife is 33. We have $25k in a lump sum to either pay down the mortgage (3.5% interest and 17 years left) or buy a new van for $35k at 2% interest? With the interest rates so close, I wasn’t sure what would be the better deal. Please let us know what you think. We love your podcast! David 1). Paying down a mortgage with a lump sum is overrated. You can do it by making a 1/12th extra payment. I recommend everyone do this. 2). A new van is going to cost you depreciation (loss) right off the bat. Better to buy a highly rated used one with low miles and pay cash. 3). As usual, I’m not hearing any rush to start a retirement fund! The real difference in your wealth building will come from investing, so get started! Please subscribe and leave me a review on iTunes or Stitcher Radio. Move your net worth in the right direction by getting “11 Quick Financial Tips to Boost Your Wealth” at www.lindapjones.com.
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8 min
May 19, 2017
266: Billionaire Collections
Learn why a billionaire paid a record $110.5 million for a painting. Before we get started, I wanted to let you know about another awesome podcast called Profit Boss Radio. Profit Boss Radio, hosted by MBA and Certified Financial Planner Hilary Hendershott, highlights inspiring women who have created success in their financial and professional life. Each week you can tune in and hear how women have paved the road to sustained success with both beliefs and actions. Check it out at www.profitbossradio.com. The article is posted on my website at www.lindapjones.com at podcast 266. You might not know I’m an art collector. I have a passion for art. There are about 70 paintings in my collection. When my husband was alive we loved to go to art auctions. I’ve not ever been to an auction at Christie’s, but I’d love to and it’s on my bucket list. Yesterday something exciting happened at a Christie’s auction. A painting by Jean-Michel Basquiat sold for $110.5 million! Only 10 other canvases have ever sold for over $100 million. It was bought by the 41-year-old tech tycoon, rock musician, fashion entrepreneur Japanese billionaire Yusaku Maezawa. The Los Angeles Times says that until shortly before Thursday's auction, it hadn't been shown in public since a private collector bought it for $19,000 in 1984. Says the NY Times: “It was Mr. Maezawa, the 41-year-old founder of Contemporary Art Foundation, who last year set the previous auction high for Basquiat, paying $57.3 million for the artist’s large 1982 painting of a horned devil at Christie’s. Mr. Maezawa is also the founder of Japan’s large online fashion mall, Zozotown.” How’s that for compounding! His works have had an increase of 10 fold in 10 years. Basquiat’s skull painting set several records: for a work by any American artist, for a work by an African-American artist and as the first art created since 1980 to sell for over $100 million. Untitled 1982 painting of a skull. Basquiat painted it at age 21. It has not been seen in public for 30 years. According to the NY TImes, “The Brooklyn-born Basquiat went from graffiti artist to an art collector darling in the span of a mere seven years. He died at 27 of a drug overdose in 1988. Last year, Basquiat became the highest-grossing American artist at auction, generating $171.5 million from 80 works, according to Artprice, and his auction high has increased at least tenfold in the last 15 years.” Why would someone pay this much for a painting? 1. Because they love the work! 2. They are a collector. 3. The rarity of the work. 4. His prices have been escalating. 5. Art has been appreciating better than other assets. 6. Diversification of your fortune, especially out of cash. 7. You can afford it. ;) According to the Guardian the other works of art that sold for over $100 million are: The $100m artists club: paintings that have fetched more than $100m at auction 1. $179.4m. Pablo Picasso “Les Femmes d’Alger” (Version 0). 2015. 2. $170.4m. Amedeo Modigliani “Nu Couche”. 2015. 3. $142m. Francis Bacon Triptych “Three Studies of Lucian Freud”. 2013. 4. $119.9m. Edvard Munch “The Scream”. 2012. 5. $110.5m. Jean-Michel Basquiat “Untitled”. 2017. 6. $106.5m. Pablo Picasso “Nude, Green Leaves and Bust”. 2010. 7. $104.5m Andy Warhol “Silver Car Crash (Double Disaster). 2013. 8. $104m. Pablo Picasso “Garçon à la Pipe”. 2004. Please subscribe and leave me a review on iTunes or Stitcher Radio. Move your net worth in the right direction by getting “11 Quick Financial Tips to Boost Your Wealth” at www.lindapjones.com.
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12 min
May 17, 2017
265: 8 Things Rich People Believe
Learn 8 things that rich people believe and how it can help your wealth building. Before we get started, I wanted to let you know about another awesome podcast called Profit Boss Radio. Profit Boss Radio, hosted by MBA and Certified Financial Planner Hilary Hendershott, highlights inspiring women who have created success in their financial and professional life. Each week you can tune in and hear how women have paved the road to sustained success with both beliefs and actions. Check it out at www.profitbossradio.com. The article is posted on my website at www.lindapjones.com. Please subscribe and leave me a review on iTunes or Stitcher Radio. Move your net worth in the right direction by getting “11 Quick Financial Tips to Boost Your Wealth” at www.lindapjones.com.
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22 min
May 12, 2017
264: Daily Habits of 6 Billionaires
Learn the habits of 6 billionaires that might create wealth for you too. Before we get started, I wanted to let you know about another awesome podcast called Profit Boss Radio. Profit Boss Radio, hosted by MBA and Certified Financial Planner Hilary Hendershott, highlights inspiring women who have created success in their financial and professional life. Each week you can tune in and hear how women have paved the road to sustained success with both beliefs and actions. Check it out at www.profitbossradio.com. The article by Marketwatch is posted on the website at www.lindapjones.com, podcast 264. Please subscribe and leave me a review on iTunes or Stitcher Radio. Move your net worth in the right direction by getting “11 Quick Financial Tips to Boost Your Wealth” at www.lindapjones.com.
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8 min
May 12, 2017
263: Best Emerging Market ETFs
Before we get started, I wanted to let you know about another awesome podcast called Profit Boss Radio. Profit Boss Radio, hosted by MBA and Certified Financial Planner Hilary Hendershott, highlights inspiring women who have created success in their financial and professional life. Each week you can tune in and hear how women have paved the road to sustained success with both beliefs and actions. Check it out at www.profitbossradio.com. Photos of the IBD article are posted on the website at www.lindapjones.com, podcast 263. Please subscribe and leave me a review on iTunes or Stitcher Radio. Move your net worth in the right direction by getting “11 Quick Financial Tips to Boost Your Wealth” at www.lindapjones.com.
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9 min
May 8, 2017
262: Trends in US Real Estate Migration
Learn where people are moving from and to in the US and how that impacts real estate prices long-term. Before we get started, I wanted to let you know about another awesome podcast called Profit Boss Radio. Profit Boss Radio, hosted by MBA and Certified Financial Planner Hilary Hendershott, highlights inspiring women who have created success in their financial and professional life. Each week you can tune in and hear how women have paved the road to sustained success with both beliefs and actions. Check it out at www.profitbossradio.com. This is an article from Bloomberg Businessweek. Article will be posted on my website at www.lindapjones.com, podcast 262. Trend of moving from the snow belt to the sun belt. People are moving to the South and West from the Midwest and Northeast. As a real estate investor or even as an individual thinking about where you want to live or if you should buy a home in a particular state, trends are very important. The wealthy follow trends closely and use facts before investing. Please subscribe and leave me a review on iTunes or Stitcher Radio. Move your net worth in the right direction by getting “11 Quick Financial Tips to Boost Your Wealth” at www.lindapjones.com.  
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7 min
May 8, 2017
261: Should I Withdraw From My 401(K) to Pay Off Mortgage?
Learn why it’s not urgent to pay off your mortgage and why a 401(k) is more important. Listener question day. Should I Withdraw From My 401(K) to Pay Off Mortgage? Before we get started, I wanted to let you know about another awesome podcast called Profit Boss Radio. Profit Boss Radio, hosted by MBA and Certified Financial Planner Hilary Hendershott, highlights inspiring women who have created success in their financial and professional life. Each week you can tune in and hear how women have paved the road to sustained success with both beliefs and actions. Check it out at www.profitbossradio.com. A listener writes: Linda, I’m 45 years old and gross about $100,000/yr. I have $390,000 in my 401(k), and owe about $175,000 on my mortgage, with 17 years left at 2.75%. I have about $100,000 in savings. I fear I may get laid off later this year. Should I withdraw money from my 401(k) to pay off my mortgage? Love your show. Thank you, Phil There’s 3 things to address here: 1) preparing to lose your job, 2) paying off your home early, and 3) why a 401(k) is important. 1) Preparing to lose your job. That’s a hard fate to face and causes a lot of fear. There are things you can do to lessen the strain and it doesn't not involve dipping into your 401(K). Listen to my prior podcast about how to prepare to lose your job. 2) Paying off your home is overrated because all you need to do is make your annual payments, not pay off a lump sum 17 years early. While $100k won’t last forever, it will give you ample time to find another job and cover your mortgage payments. Take this time to save more money, sell un-needed stuff and reduce your expenses. For example, use miles and points for your vacation instead of paying outright for one. You have a great interest rate, so no need to refinance. You can pay 1/12th extra per month and pay down your interest and increase your equity faster. ($200/mo. extra on $2400). House debt is the best debt to have because it’s the cheapest, so look into a HELOC while you’re still employed. 3) If you dip into your 401(k), you’ll have a 10% penalty for being under age 59 1/2 plus tax on untaxed income. Only under extreme circumstances as a very last resort should you touch this money. Need it to grow for retirement, separately from your home. Use it to offset your income while you are employed, might get you into a lower tax bracket (we’ll see how the new tax plan is). In addition to saving in and outside your 401(k), look for business opportunities on the side or even part-time work while you’re looking for a job (Uber driver?). Stay positive, you may end up better off! Please subscribe and leave me a review on iTunes or Stitcher Radio. Move your net worth in the right direction by getting “11 Quick Financial Tips to Boost Your Wealth” at www.lindapjones.com.  
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10 min
May 3, 2017
260: Worst Advice from Financial Podcasts
Learn what the 10 worst pieces of financial advice are from Hilary Hendershott of Profit Boss Radio. Please subscribe and leave me a review on iTunes or Stitcher Radio. Move your net worth in the right direction by getting “11 Quick Financial Tips to Boost Your Wealth” at www.lindapjones.com.
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27 min
May 1, 2017
259: Best Large Cap Growth Funds for 5 Years
Learn what equity mutual funds have performed best for the last 5 years, through April 15, 2017. Before we get started, I wanted to let you know about another awesome podcast called Profit Boss Radio. Profit Boss Radio, hosted by MBA and Certified Planner Hilary Hendershott, highlights inspiring women who have created success in their financial and professional life. Each week you can tune in and hear how women have paved the road to sustained success with both beliefs and actions. Check it out at www.profitbossradio.com. The article is posted on my website at www.lindapjones.com. Please subscribe and leave me a review on iTunes or Stitcher Radio. Move your net worth in the right direction by getting “11 Quick Financial Tips to Boost Your Wealth” at www.lindapjones.com.
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8 min
April 28, 2017
258: 7 Actions to Take If You’re Laid Off From Your Job
Learn 7 items to do in advance of losing your job and income. Before we get started, I wanted to let you know about another awesome podcast called Profit Boss Radio. Profit Boss Radio, hosted by MBA and Certified Financial Planner Hilary Hendershott, highlights inspiring women who have created success in their financial and professional life. Each week you can tune in and hear how women have paved the road to sustained success with both beliefs and actions. Check out www.profitbossradio.com. It's listener question Friday. Sara writes: Dear Linda, My husband just found out his job will be ending. The company is closing the plant where he works in 6 months. He wants to work every weekend until the plant closes and I’m worried it will affect his health. We have some extra cars and motorcycles to sell, should we do that now? He’s 2 years from retirement. What should he do to make the best use of this time? Thank you, Linda! Sara I had a chance to talk more with Sara and here are the conclusions I came to: 1. Anytime you know income is going to be ending, it makes sense to take care of all banking needs immediately because once you have no income, you won’t be eligible for credit. a. Re-fi mortgage if necessary b. Get a home equity line of credit, even if you don’t plan to use it because you might want it later. c. Pay off credit cards, auto loans, boat loans, etc. Everything but mortgage. 2. Talk to your husband about a mindset shift. Instead of focusing on the time he has left, why not focus on what he plans to do after the plant closes? a. Will he get another job? Is there a business he can do? b. Start preparing for the business now. Get a business license. Start marketing today! c. Invest in tools, etc. today so the expenses can be maximized this year. 3. Should you consider retiring early and moving to a less expensive location, downsizing, etc.? 4. Reduce monthly expenses and free up capital by selling additional cars, motorcycles, etc. 5. Consider taking your 401(k) out of the market to protect it from downside. 6. Update resume, LinkedIn information, etc. if you’re looking for another job. 7. Consider taking more education, getting certification, etc. to upgrade your qualifications. Please subscribe and leave me a review on iTunes or Stitcher Radio. Move your net worth in the right direction by getting “11 Quick Financial Tips to Boost Your Wealth” at www.lindapjones.com  
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14 min
April 27, 2017
257: Get Your 401(k) Working Harder
Learn how to get your 401(k) working harder for you. Before we get started, I wanted to let you know about another awesome podcast called Profit Boss Radio. Profit Boss Radio, hosted by MBA and Certified Financial Planner Hilary Hendershott, highlights inspiring women who have created success in their financial and professional life. Each week you can tune in and hear how women have paved the road to sustained success with both beliefs and actions. Check out www.profitbossradio.com. Please subscribe and leave me a review on iTunes or Stitcher Radio. Move your net worth in the right direction by getting “11 Quick Financial Tips to Boost Your Wealth” at www.lindapjones.com
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8 min
April 24, 2017
256: Beware of Craig’s List Scams
Learn why you don’t want to buy financial items on Craig’s List. Before we get started, I wanted to let you know about another awesome podcast called Profit Boss Radio. Profit Boss Radio, hosted by MBA and Certified Financial Planner Hilary Hendershott, highlights inspiring women who have created success in their financial and professional life. Each week you can tune in and hear how women have paved the road to sustained success with both beliefs and actions. Check out www.profitbossradio.com. There was a gold scam with counterfeit gold bars being sold on Craig’s list. The article is on my website at www.lindapjones.com, go to podcast 256. In addition, I’ve heard of people trying to get your VIN number on your car, trying to get your credit card information, etc. Beware of scams, don’t give out personal information, don’t buy currency or precious metals, be cautious. Please subscribe and leave me a review on iTunes or Stitcher Radio. Move your net worth in the right direction by getting “11 Quick Financial Tips to Boost Your Wealth” at www.lindapjones.com
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8 min
April 21, 2017
255: 7 Travel Tips for Be Wealthy & Smart International Travelers
Learn smart hacks to save money while traveling and shopping abroad. Before we get started, I wanted to let you know about another awesome podcast called Profit Boss Radio. Profit Boss Radio, hosted by MBA and Certified Financial Planner Hilary Hendershott, highlights inspiring women who have created success in their financial and professional life. Each week you can tune in and hear how women have paved the road to sustained success with both beliefs and actions. Check out www.profitbossradio.com. It’s listener question day! Dear Linda, My husband and I are traveling to Spain soon. He gave me a budget and I’m trying to be smart with money while we’re traveling. We’re already using points for a free hotel, what else do you recommend? Tina (name changed intentionally) Here’s what I recommend: 1. Always make sure your passport expiration date is way in the future! 2. Make sure your credit cards have a chip or they won’t be accepted. 3. Buy a travel book like Fodor’s or Lonely Planet or Rick Steve’s a to find good restaurants and know how expensive they are before you eat there. Beware of low budget books, you are not traveling by back pack and hostel! Remember to allocate larger restaurant and hotel budgets to big cities. 4. Use a debit card at ATM’s to get cash. They are cheaper than the bank, foreign exchange windows and the hotel. Immediately exchange $20 to $50 when you land so you have some petty cash for tips. 5. Bring some US dollars in $1, $5 and$10 for street purchases. 6. Use credit cards for purchases. You’ll get the best exchange rate and you’ll be protected in case of fraud. Only make small purchases at flea markets, on the street, etc. (Jewelry vs. scarf). 7. If you have foreign coins and the bank won’t buy it back from you, you can donate it to Unicef, change for good on an American Airlines flight or you can send it to Change for Good in NY. 8. Be aware some vendors don’t like Amex and prefer VISA because they have lower fees to the vendor and they will net more on a large purchase. Please subscribe and leave me a review on iTunes or Stitcher Radio. Move your net worth in the right direction by getting “11 Quick Financial Tips to Boost Your Wealth” at www.lindapjones.com
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10 min
April 21, 2017
254: The Invisible Grocery Rip Off
Learn where grocery stores are fooling you to pay more when you think you are paying less. Before we get started, I wanted to let you know about another awesome podcast called Profit Boss Radio. Profit Boss Radio, hosted by MBA and Certified Financial Planner Hilary Hendershott, highlights inspiring women who have created success in their financial and professional life. Each week you can tune in and hear how women have paved the road to sustained success with both beliefs and actions. Check out www.profitbossradio.com. I’ve noticed something about the grocery store and wonder how many people realize there’s a common rip off happening with items on sale? Have you ever calculated how much you are paying per item for the item on sale? For example, grocery stores will often have a small, medium and large size in a product. They put the medium size on “sale”. It gets you to spend more than the small size. It also gets you to pay more per unit than the large size! Check the per unit cost of the cottage cheese, ketchup or rolls of toilet paper. Even when the medium size is on sale, the large size is cheaper per unit! If you can buy the larger size that’s NOT on sale, you’re often getting the best deal. The scam is you think you are being smart to buy on sale, but the store is ripping you off because you are still paying more than the large size! Don’t be a zombie “sale” buyer. Check the price per unit! Buying in bulk usually saves you the most money, that’s why COSTCO often has the best prices. I also save 10% by buying 6 bottles of wine at a time. If you bring bottles to other people’s homes and you consume some, make the purchases all at once, not one at a time and you’ll almost save the price of a bottle! Shopping on Tuesdays also gets me 10% off all of my groceries at Gelson’s, so I can get food on sale and save 10% once a week! It adds up! If you’re not a coupon clipper but want to save, just calculate your cost per unit, buy large sizes or in bulk and you’ll usually save more! Please subscribe and leave me a review on iTunes or Stitcher Radio. Move your net worth in the right direction by getting “11 Quick Financial Tips to Boost Your Wealth” at www.lindapjones.com.  
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9 min
April 17, 2017
253: How to Cruise & Get the Most Value
Learn how to cruise and get the most value. Before we get started, I wanted to let you know about another awesome podcast called Profit Boss Radio. Profit Boss Radio, hosted by MBA and Certified Financial Planner Hilary Hendershott, highlights inspiring women who have created success in their financial and professional life. Each week you can tune in and hear how women have paved the road to sustained success with both beliefs and actions. Check out www.profitbossradio.com. A Tale of Two Cruises to the Caribbean - true story! Budget: $3300 Team A: 7 night cruise from Miami to Puerto Rico, St. Thomas, St. Martin, St. Kitts. Paid $3,200 for regular class with balcony. Team B: 5 night cruise to Puerto Rico, St. Thomas, St. Martin, St. Kitts. Paid $799 for special Aqua class with balcony Both chose same packages: 1. $300 shipboard credit 2. Beverage package Beverage package included all bottled waters, specialty coffees, tea; wine up to $11, cocktails up to $9. Team A chose to spend $175 on internet access. They were concerned about every penny spent. Unfortunately, they didn’t study their beverage package, so they didn’t realize most of their alcoholic beverages were covered. They were reluctant to order drinks because they were too expensive. The reality was $9 to $11 of their alcoholic beverages were covered, but they didn’t take the time to ask what the package included. They spent their time laying in the sun and attending the free entertainment. It was hard to take advantage of anything else like the restaurants, spa or shop because they were on a tight budget. The satellite internet ended up being hard to connect and there was a lot of frustration with the internet. After paying for the internet and tips, they used up all of their budget. Team A ate in port every day, even though they had already paid for food aboard the ship. Team B chose to spent $135 on spa massage, reasoning they could connect to the internet on shore for much cheaper than $175, which turned out to be the case. In some ports internet was free at a restaurant and at others it was only $7. Team B spent less than $20 on internet during the trip and some of that was for a beverage at a restaurant. Team B also had free access to the spa - heated lounge chairs, sauna, hot tub and steam room. Because of their special Aqua class, they were first to embark and disembark the ship. They also had a special, more exclusive dining room although they also could eat in the main dining room if desired. Team B spent their days exploring the ports and collecting the free gifts from merchants. They each collected 8 topaz and silver pendants for free, plus a token coin and charm bracelet. They enjoyed shopping and were treated to free champagne every day while shopping. They were able to negotiate great prices and bought nice gemstone and gold jewelry while staying within budget. Because they had already paid for food, they chose to return to the ship each day for lunch. They also enjoyed free champagne while attending an art auction aboard ship and chocolate martinis at the shops on board the ship. The last evening they ate at a specialty restaurant with an incredible experience. It was absorbed by their onboard credit. Two sets of travelers on the same ship, similar itinerary, but 2 totally different results. Team A made several mistakes…they didn’t shop for a great price and overpaid to begin with. They didn’t get the upgraded class with special privileges like preferred embarkation and disembarkation, the dining room and spa. They paid for satellite internet aboard the ship instead of getting in on shore. They paid for food on shore that they had already paid for on the ship, wasting money. They didn’t understand their beverage package and what it paid for, so they skimped on their drinks. They didn’t take advantage of free drinks on board or free jewelry on shore. They also didn’t know they could follow their cruise account on the TV. Every day all expenses are posted to your bill, which you can read on the TV in your cabin. It just goes to show, if you’re smart you can stretch your dollars and live luxuriously without scrimping or being “frugal”. It’s not about doing without! It’s about being smart with your money, using it to get “deals”, and educating yourself about what’s available and how to make the best use of each dollar. Please subscribe and leave me a review on iTunes or Stitcher Radio. Move your net worth in the right direction by getting “11 Quick Financial Tips to Boost Your Wealth” at www.lindapjones.com.  
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15 min
April 15, 2017
252: How to Get a Free Credit Report
Learn how to get a free credit report. It’s listener question day! Before we get started, I wanted to let you know about another awesome podcast called Profit Boss Radio. Profit Boss Radio, hosted by MBA and Certified Financial Planner Hilary Hendershott, highlights inspiring women who have created success in their financial and professional life. Each week you can tune in and hear how women have paved the road to sustained success with both beliefs and actions. Check out www.profitbossradio.com. In response the the episode about making one phone call to make good credit great, Brian said: Linda you are THE BEST...I have been wondering how to boost my credit score now that it's gotten a lot higher since I met you! Thanks Brian! Good credit is a matter of doing a few things right consistently. It’s not hard to do if you pay attention to your credit. You can always get one free credit report a year at www.annualcreditreport.com Some credit cards are also supplying your credit report for free. Thank you to people who have left reviews for the show! Please subscribe and leave me a review on iTunes or Stitcher Radio. Get your net worth growing by getting “11 Quick Financial Tips to Boost Your Wealth” at www.lindapjones.com.  
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6 min
April 12, 2017
251: How to Transform a Good Credit Score to Great
Learn how to transform a good credit score to great. Before we get started, I wanted to let you know about another awesome podcast called Profit Boss Radio. Profit Boss Radio, hosted by MBA and Certified Financial Planner Hilary Hendershott, highlights inspiring women who have created success in their financial and professional life. Each week you can tune in and hear how women have paved the road to sustained success with both beliefs and actions. Check out www.profitbossradio.com. The full article is posted at www.lindapjones.com, podcast 251. Please subscribe and leave me a review on iTunes or Stitcher Radio. Move your net worth in the right direction by getting “11 Quick Financial Tips to Boost Your Wealth” at www.lindapjones.com.
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12 min
April 10, 2017
250: Best Equity Sector ETFs of 2017
Learn which equity sector ETFs are performing the best and how to use them to spice up your portfolio. Before we get started, I wanted to let you know about another awesome podcast called Profit Boss Radio. Profit Boss Radio, hosted by MBA and Certified Financial Planner Hilary Hendershott, highlights inspiring women who have created success in their financial and professional life. Each week you can tune in and hear how women have paved the road to sustained success with both beliefs and actions. Check out profitbossradio.com. Excited this is our 250th show! When I started 3 years ago, I had no idea we would have the wide audience we do. I want to thank you wealth seekers, my loyal listeners and new listeners who are just finding Be Wealthy & Smart. If you haven’t listened to podcast #248, I suggest you do that because I reviewed asset allocation. In that podcast, I mentioned some models use 20% of the asset allocation pie to invest in sectors. You might want to comb through the best performing equity sector ETFs and see if any of these appeal to you (discuss with your financial advisor before making investment decisions). Here are the 14 top performing equity sector ETFs according to IBD (see website at www.lindapjones.com and podcast #250). I’m also going to share the strongest performers of the last 5 quarters. Be cautious, these are already up a lot and can be very volatile. Only invest if you are making a long-term commitment and not just for short-term performance. These are not a recommendation to buy, I’m just reporting on trends. As usual, I will post the article on my website at www.lindapjones.com, podcast #250. Please subscribe and leave me a review on iTunes or Stitcher Radio. Move your net worth in the right direction by getting “11 Quick Financial Tips to Boost Your Wealth” at www.lindapjones.com.
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11 min
April 7, 2017
249: Intrinsic Value
Learn why the true value of an item for purchase is not always the price tag and what to consider so you aren’t overpaying. Before we get started, I wanted to let you know about another awesome podcast called Profit Boss Radio. Profit Boss Radio, hosted by MBA and Certified Financial Planner Hilary Hendershott, highlights inspiring women who have created success in their financial and professional life. Each week you can tune in and hear how women have paved the road to sustained success with both beliefs and actions. Check out profitbossradio.com. Please subscribe and leave me a review on iTunes or Stitcher Radio. Move your net worth in the right direction by getting “11 Quick Financial Tips to Boost Your Wealth” at www.lindapjones.com.  
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10 min
April 6, 2017
248: Best Diversified Equity ETFs of 2017
Learn which ETFs are top performing diversified ETFs and how to create a top performing asset allocation. Before we get started, I wanted to let you know about another awesome podcast called Profit Boss Radio. Profit Boss Radio, hosted by MBA and Certified Financial Planner Hilary Hendershott, highlights inspiring women who have created success in their financial and professional life. Each week you can tune in and hear how women have paved the road to sustained success with both beliefs and actions. Check out profitbossradio.com. Please subscribe and leave me a review on iTunes or Stitcher Radio. Move your net worth in the right direction by getting “11 Quick Financial Tips to Boost Your Wealth” at www.lindapjones.com.
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14 min
April 3, 2017
247: Best Health Care ETFs of 2017
Learn the what the best health care ETFs are in 2017. Before we get started, I wanted to let you know about another awesome podcast called Profit Boss Radio. Profit Boss Radio, hosted by MBA and Certified Financial Planner Hilary Hendershott, highlights inspiring women who have created success in their financial and professional life. Each week you can tune in and hear how women have paved the road to sustained success with both beliefs and actions. Check out www.profitbossradio.com. The article is posted on my website at www.lindapjones.com, podcast 247. Please subscribe and leave me a review on iTunes or Stitcher Radio. Move your net worth in the right direction by getting “11 Quick Financial Tips to Boost Your Wealth” at www.lindapjones.com.  
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7 min
March 31, 2017
246: Women Billionaires
Learn about how many women billionaires exist in the world, what country they are in and how they made their money. Before we get started, I wanted to let you know about another awesome podcast called Profit Boss Radio. Profit Boss Radio, hosted by MBA and Certified Financial Planner Hilary Hendershott, highlights inspiring women who have created success in their financial and professional life. Each week you can tune in and hear how women have paved the road to sustained success with both beliefs and actions. Check out www.profitbossradio.com. The article is posted on my website at www.lindapjones.com, podcast 246. Please subscribe and leave me a review on iTunes or Stitcher Radio. Move your net worth in the right direction by getting “11 Quick Financial Tips to Boost Your Wealth” at www.lindapjones.com.
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8 min
March 29, 2017
245: The 10 Most Expensive Cities in the World
Learn what the 10 most expensive cities in the world are. Before we get started, I wanted to let you know about another awesome podcast called Profit Boss Radio. Profit Boss Radio, hosted by MBA and Certified Financial Planner Hilary Hendershott, highlights inspiring women who have created success in their financial and professional life. Each week you can tune in and hear how women have paved the road to sustained success with both beliefs and actions. Check out www.profitbossradio.com. The article from MarketWatch is posted on my website at www.lindapjones.com, podcast 245. Please subscribe and leave me a review on iTunes or Stitcher Radio. Move your net worth in the right direction by getting “11 Quick Financial Tips to Boost Your Wealth” at www.lindapjones.com.  
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5 min
March 27, 2017
244: Money Mastermind
Learn about money mindset and a money mastermind from Hilary Hendershott. Before we get started, I wanted to let you know about another awesome podcast called Profit Boss Radio. Profit Boss Radio, hosted by MBA and Certified Financial Planner Hilary Hendershott, highlights inspiring women who have created success in their financial and professional life. Each week you can tune in and hear how women have paved the road to sustained success with both beliefs and actions. Check out www.profitbossradio.com. Hear Hilary's story from losing it all to coming back strong. Please subscribe and leave me a review on iTunes or Stitcher Radio. Move your net worth in the right direction by getting “11 Quick Financial Tips to Boost Your Wealth” at www.lindapjones.com.  
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31 min
March 24, 2017
243: Financial Question
Learn why a little talked about financial question may be the most important action you take with money. Before we get started, I wanted to let you know about another awesome podcast called Profit Boss Radio. Profit Boss Radio, hosted by MBA and Certified Planner Hilary Hendershott, highlights inspiring women who have created success in their financial and professional life. Each week you can tune in and hear how women have paved the road to sustained success with both beliefs and actions. Check outprofitbossradio.com. Linda, I had an unexpected "trial run" of what it would be like if the banks were shut down. My car was broken into and my purse was stolen with my credit cards and checkbook. I had to shut down all my accounts on a Friday. If it hadn't been for the emergency cash that you have been recommending for some time, I wouldn't have been able to get my car repaired, the locks changed on my house, my drivers license replaced, medications filled, groceries, gas etc. Because of fraud & identity theft, there's no temporary cards or checks or replacements done online. It takes a week to get replacement cards, checks etc. My passport and birth certificate became my lifelines and thank goodness were not in the purse. I am fortunate in that I could have used my business accounts in a pinch but what if those had been unavailable too? Thank you, Marie It’s different than your emergency fund. An emergency fund is for unforeseen expenses such as a car repair, dental or medical emergency, etc. That can be kept in a bank account. But what if you can’t access the bank? ATM goes down (happened many times, most recently in England), DDOS internet attack, or EMP (electromagnetic pulse) flare from the sun, grid problem. Now you need cash on hand! How much cash should I keep on hand? At least 3 months grocery money, gas money, restaurants, supplies. In general about 1/3 of what your total monthly budget is (more is even better). If you spend $10,000 a month including your mortgage, then I’d have at least $3,000 on hand, for $1,000 a month, $300. Please subscribe and leave me a review on iTunes or Stitcher Radio. Move your net worth in the right direction by getting “11 Quick Financial Tips to Boost Your Wealth” at www.lindapjones.com.
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8 min
March 22, 2017
242: Dow Ends Trading Streak
Learn what it means when the Dow ends it's winning streak. Before we get started, I wanted to let you know about another awesome podcast called Profit Boss Radio. Profit Boss Radio, is hosted by MBA and Certified Planner Hilary Hendershott, who highlights inspiring women who have created success in their financial and professional life. Each week you can tune in and hear how women have paved the road to sustained success with both beliefs and actions. Check out www.profitbossradio.com. The article is posted at www.lindapjones.com, podcast 242. Please subscribe and leave me a review on iTunes or Stitcher Radio. Get your "11 Quick Financial Tips to Boost Your Wealth" report at www.lindapjones.com.
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11 min
March 20, 2017
241: Is Johnny Depp Going Bankrupt?
Learn how being foolish with money can catch up with you, no matter how much you have. Before we get started, I wanted to let you know about another awesome podcast called Profit Boss Radio. Profit Boss Radio, hosted by MBA and Certified Planner Hilary Hendershott, who highlights inspiring women who have created success in their financial and professional life. Each week you can tune in and hear how women have paved the road to sustained success with both beliefs and actions. Check out www.profitbossradio.com. The news article is posted on the show notes of my website at http://lindapjones.com, podcast 241. Please subscribe and leave me a review on iTunes or Stitcher Radio. Move your net worth in the right direction by getting “11 Quick Financial Tips to Boost Your Wealth” at www.lindapjones.com.  
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9 min
March 17, 2017
240: 5 Things You Can Do to Spend Money Wisely
Before we get started, I wanted to let you know about another awesome podcast called Profit Boss Radio. Profit Boss Radio is hosted by MBA and Certified Planner, Hilary Hendershott, who highlights inspiring women who have created success in their financial and professional life. Each week you can tune in and hear how women have paved the road to sustained success with both beliefs and actions. Check out www.profitbossradio.com. Its listener question Friday! Linda, My husband is the major bread winner and plans to retire in 2 years. He wants to buy a new TV and sectional. Im advising against it, but he insists we buy them. What can I say to show him why its important not to be making purchases like this right now? Although you are close to retirement and some of our listeners are too and some are younger, theres a good point to be made here. Youre probably looking at a $3,000 to $6,000 purchase. Is it really going to improve your life? Spending wisely is one of the traits that will make you wealthy. Spending foolishly is one of the traits that will make you poor. I have a friend who keeps buying new furniture, redecorating, remodeling and while some remodeling will improve the value of a home, once its updated, re-updating it doesnt help! Changing from vinyl to granite is an improvement, but changing the granite countertops to different granite makes no improvement and just wastes money! 5 things you can do to spend money wiser: 1. Sit your husband down and talk about retirement. Bring him into the reality of what will happen in 2 short years. There will be no more income from his job and you will be relying on savings for the rest of your life! Do you have the amount you will need already saved or do you need to save more? 2. There are some things that will add quality of life to your standard of living, such as moving to a state that has better weather. Some purchases are like rearranging deck chairs on the Titanic, and this is one of them! Having a new TV or sectional will not add happiness or a better quality of life. The thrill might last a week and after that youll just have bills to pay. 3. If youre spending $3,000 to $6,000 on the TV and sectional, think about how much that will grow to in 20 years. Using the investment calculator, at 8% it could become almost $14,000 to almost $28,000! Thats the opportunity cost of what youre buying. 4. When youre a few years from retirement, you want to avoid making large purchases on household items, cars, RVs, anything that depreciates. You want to be focusing all your efforts to getting your retirement savings as large as possible! Theres a hard deadline to retirement and its coming soon! 5. Create a plan. Where do you plan to live when you retire? Are you going to be downsizing and moving south? Are you going to stay where you are? Is your home paid off? Housing and medical expenses are your 2 major costs when close to retirement age (besides elective travel), so you want to be sure you have adequate coverage for both. If you home is not paid off by age 65, that is a worthwhile goal to focus on instead of furnishings! Also, create a plan by estimating what your retirement income will be. Take your retirement funds and multiply by 4%. That is the amount of income you can have without outliving your money. Add your Social Security (and pension) benefits onto that and then you will know how much income you will have. Most people are not real happy with that number! That may wake your husband up to the reality that he needs to be saving, not spending until he retires! I'd like to share recent listener reviews with you. They always blow me away and I'm so grateful when someone leaves a review. Please subscribe and leave me a review on iTunes or Stitcher Radio. Move your net worth in the right direction by getting 11 Quick Financial Tips to Boost Your Wealth at www.lindapjones.com.  
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11 min
March 15, 2017
239: Best Performing ETFs in 2017
Learn which ETF's have performed the best so far in 2017. Photos of this page will be posted on my website at http://lindapjones.com, podcast 239. Please subscribe and leave me a review on iTunes or Stitcher Radio. Move your net worth in the right direction by getting “11 Quick Financial Tips to Boost Your Wealth” at www.lindapjones.com.
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9 min
March 13, 2017
238: FED Rate Hikes Slow the Economy
Learn what's happening in the economy with jobs and interest rates. Looks like the jobs number came in strong enough for the FED to justify a .25% rate hike next week. Interestingly, GDP growth is down from 1.9% in Q4 to an estimated 1.2% rate this quarter. That is not a good sign. You don't want to be raising rates when GDP is slowing dramatically because higher rates slow down the economy. See the article posted on my website at http://lindapjones.com, podcast 238. Please subscribe and leave me a review on iTunes or Stitcher Radio. Move your net worth in the right direction by getting “11 Quick Financial Tips to Boost Your Wealth” at www.lindapjones.com.  
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12 min
March 9, 2017
237: Mortgage Rates Today
Learn what interest rates rising means to the economy and to you personally, why rate "normalization" still means rising interest rates, and what you can expect from the FED going forward. Link to the MarketWatch article is in the show notes on my website at www.lindapjones.com. Please subscribe and leave me a review on iTunes or Stitcher Radio. Move your net worth in the right direction by getting “11 Quick Financial Tips to Boost Your Wealth” at www.lindapjones.com.  
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6 min
March 6, 2017
236: SNAP Chat Buyers Beware
Learn why profits matter. Snapchat, the social media turned camera company went public last week. It was the biggest IPO Wall Street has seen since 2009. With little revenue (and much of it mysteriously appearing right before the IPO, like $1 billion from Google), it is nowhere near worth a $24 billion valuation! Years ago Facebook tried to buy it for $3 billion which was very generous. SNAP's $30B market cap, 74X sales and $15million per employee. Could be the sign of the peak of the stock market bubble here. SNAP lost $514 million last year and says “it may never be profitable” according to Business Insider. You have to detach yourself from looking at a stock price and look at this as a business you’re investing your hard earned money into. There are many established, profitable businesses with market valuations less than SNAP. I'll post a chart on my website in the show notes. According to IBD, “Snap is set to be the first IPO of a high-profile unicorn since the term, which describes privately held companies with a market valuation of $1 billion or more, emerged. More than 200 firms currently fit that definition with a total valuation near $760 billion, according to TechCrunch.” I’m having major deja-vu from 1999. Valuation matters. Even if the price rises, this is all hype and not much substance, so I would steer clear of this unicorn. I think it’s aptly named, since unicorns are just a made up illusion. Move your net worth in the right direction by getting “11 Quick Financial Tips to Boost Your Wealth” at www.lindapjones.com.      
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7 min
March 3, 2017
235: Should I Sell My Stocks?
Learn how to know when to sell a stock or investment. It’s listener question Friday! I had a question from a listener about their investment portfolio: Linda, It is my very first stock "try's" . A very dear friend of mine started this portfolio for me and she has tried to teach me a little about stocks along the way. I want to learn more. I just am looking for a little direction. I have about $100,000 to invest. This is outside the my emergency savings of about $75,000. _______ She sent me a list of her stocks and I could see a great many of them were not quality names nor were they profitable. It concerns me to hear that a friend is making your investing decisions. You want to be in control of your investments and know what you own and why. Why do you want to own certain companies? Are you familiar with the company or do you think the sector they are in is going to be fast growing and profitable? Remember you are buying businesses. I couldn’t tell the investment strategy from what I saw, so I’m a bit perplexed how your friend was selecting your stocks. Having said that, many of your stocks had losses. If you have more than an 8% loss, perhaps consider selling it. I’m not saying that at the bottom of the market after a steep decline, in which I might attribute some of the decline to the market But this is in a bull market, so I would consider selling and reallocating the money. You want to sell your losers and keep your winners. Give the winners time to run and continue to go up. Stocks that have been rising tend to keep rising, so keep those. I would get yourself up to speed on investing (good job joining the VIP Experience) so you can learn about investing. We have all levels of investors in the VIP Experience and I’ll be keeping you up to speed with important articles and market commentary as well as ETF selection. I have lots of podcasts about investing, so I suggest you check them out. They are evergreen and most don’t get dated. I try to keep them classic so you can use them as your investing library along with the VIP Experience. When creating an investment portfolio from scratch, I always recommend that investors follow an asset allocation model meaning they have some large caps, mid caps, small caps and international. You can add real estate and precious metals to that and have a well-diversified portfolio. If you want to add bonds, I would use short-term bonds since we are now in a rising interest rate cycle. I prefer to use ETFs because they are low cost and diversified, so you’re buying a basket of stocks and not individual stocks. That’s a better plan for a beginner. I'd love it you'd leave me a review on iTunes or Stitcher Radio. Move your net worth in the right direction by getting “11 Quick Financial Tips to Boost Your Wealth” at www.lindapjones.com.  
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8 min
March 1, 2017
234: Social Security: Early or Late Retirement?
Learn the ins and outs of Social Security, how to decide when to take SS and how it will impact you. 1. What are people who are retiring saying about Social Security? 2. The advantages/disadvantages of starting early vs. waiting to take Social Security. 3. How to decide whether to take SS early or wait until later? How many people start right away and how many wait? 4. What trends are changing in regard to retirement income? 5. Will SS continue in the future? 6. What can people do who want to retire early?
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22 min
February 28, 2017
233: Where the Most Millionaires Live
Learn where most millionaires live and don’t live and 2 reasons why it may change in the future. This article was on CNBC. It listed where millionaires live and don’t live. It was thought provoking for a few reasons. First let me read you the list of 5 cities most millionaires live in. 1. Maryland – 7.55 percent 2. Connecticut – 7.4 percent 3. New Jersey – 7.39 percent 4. Hawaii – 7.35 percent 5. Alaska – 7.15 percent This is not surprising for a couple reasons. I learned a long time ago that people can make a lot of money by being where large amounts of money flow. Since Maryland and WA DC are where large amounts of government money flow, it makes sense these are in the top 10 per capita. (I’m not suggesting anything illegal is occurring). It reminds me of the Tom Wolfe novel Bonfire of the Vanities when Sherman, the protagonist and “Master of the Universe”, his wife describes to their daughter, Campbell, what her bond trader husband does: “Just imagine that a bond is a slice of cake, and you didn’t bake the cake, but every time you had somebody a slice of the cake a tiny little bit comes off, like a little crumb, and you can keep that. […] If you pass around enough slices of cake, then pretty soon you have enough crumbs to make a gigantic cake.”
Chapter 10, page 229 That can apply to many types of businesses, but if a lot of money is flowing, someone’s going to be taking crumbs from it, so it’s no surprise to me that #1 is Maryland, near the government and #2 is Connecticut, home of many of the largest hedge fund traders and #3 is New Jersey where a lot of Wall Street firms work. WA D.C. is #9. #4 is Hawaii - you have to think a little harder, but their real estate market is very high from selling to Americans and Japanese, so I would imagine real estate has made a huge contribution to that market. Having a limited population due to small land mass also helps the per capita number. #5 being Alaska is a bit trickier. Of course Alaska is known for oil and military among other things but since this is per capita and Alaska doesn’t have a huge population, it skews it a bit. For total numbers, CA, TX & NY win hands down. I don’t think anyone is surprised by that. The bottom five are: 47. Alabama – 4.46 percent 48. Kentucky – 4.32 percent 49. West Virginia – 4.22 percent 50. Arkansas – 4.08 percent 51. Mississippi – 3.77 percent I’ll post a link to the article on my website at lindapjones.com. Not really a surprise here either. Real estate, high tech, etc. are not these states’ strong suits. But here are the game changers… 1. People still don’t realize you can work from anywhere and make a very good living with your computer. They don’t realize there’s a quiet entrepreneurial revolution. Money is being made online from anywhere with a computer. Get your domain name, set up hosting and learn how to start a blog. Everyone should have a website. Grab your name as a domain name. Go here for directions how to get started: http://www.lindapjones.com/how-to-start-a-blog/ 2. Recently I saw a flying car. I will post a link to it on my website. It drove and flew! What are the ramifications of being able to fly door-to-door to where you want to go?! If this technology becomes commercially viable, property that is out farther will start to sell because the commute will be shorter. You also won’t have to live near your job if you’re an online entrepreneur. Entrepreneurship is the future. You could live in the San Juan Islands and fly into Seattle. How many years are we away from this? Who knows but it’s coming and so are more creative ways to make money. You won’t need to live near overpriced real estate for much longer. Please leave me a review on iTunes or Stitcher Radio. I really appreciate it! Move your net worth in the right direction by getting “11 Quick Financial Tips to Boost Your Wealth” at www.lindapjones.com.    
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17 min
February 24, 2017
232: Prioritize to Pay Cash or Invest
Learn how to prioritize paying bills, debt and expenses. Listener question today. Dana asks: Linda, there are several things we want to do this year and are wondering about the best use of our funds to do so.  1. Consolidate some miscellaneous credit debt or pay it off in full ($8k range) 2. Home updates/renovations - small scale projects like painting, lighting, window treatments ($5k total range) 3. Upcoming medical expenses for birth of child ($3000 based on max out of pocket per policy)  4. Upcoming 1st installment property tax bill ($4500) We have the following sources to draw from to do all of the above: 1. Cash - enough to pay all of the above and still have 12+ months worth of total monthly expenses in cash savings  2. Credit - several rewards/points cards, average interest rate 11-15%  3. Home equity - access to $32k from our existing Home Equity line of credit at 4.25% interest/only 4. Sell some securities from a brokerage account - $58k in non-retirement investment accounts that we sell some shares  5. Federal Tax refund - expecting $8k-$9k refund per CPA Are there advantages/disadvantages to doing the above via one form of payment or another? My personal comfort level is to keep plenty of cash accessible. I have allocated several different savings accounts specifically for taxes, home improvements, travel, etc and can pull from those. Income will vary so I am not really counting on using our income for these items, as it will just be used for our regular recurring monthly expenses.  Thanks, Dana Before I answer that, let’s prio