6 MAR 2024 · Here's part two of my conversation with Michael Del Prete. He is a seasoned expert in the field of real estate investing. In this post, I'll share the wealth of knowledge that Michael imparted during our conversation, focusing on the essential insights for real estate agents eager to guide their clients through the investment process.

6 MAR 2024 · In this episode of "Work it, Live it, Own it" host SaCola Lehr chats with Javoris Pollard about his evolution from a creative high school student into a serial entrepreneur and real estate investor. Pollard recounts his early struggles with fitting in due to his size, which led him to start making and selling clothes. His entrepreneurial spirit was further fueled by the challenges he faced in various jobs and the desire to control his own destiny, especially after a life-changing event involving his mother's health. Pollard shares his journey into real estate, from failing licensing exams to eventually succeeding and partnering with a friend to flip houses. He discusses the importance of location, acquisition cost, renovation budget, and understanding market dynamics when identifying properties to flip. The episode also touches on the "Houze of Storm" program, which Pollard uses to mentor aspiring real estate investors.   Quote from Javoris: "Anything I want to accomplish, I'm going to accomplish it, no matter what. I'm going to try; nothing's going to hold me back."   Sign up for the Houze of Storm newsletter: https://www.houzeofstorm.com/   00:00 Introduction 01:35 Javoris' entrepreneurial journey11:47 Identifying potential fix and flip properties18:07 Getting started in fix and flip22:03 Finding the Right Mindset for Real Estate Investing23:02 Proficiency in Finding Deals25:09 Learning Home Improvement Skills28:08 Turnaround Time for Flipping Properties31:21 Educating Others on Fix and Flip Real Estate34:13 Future Plans for Affordable Housing

28 FEB 2024 · In this podcast episode, SaCola Lehr talks Michael Del Prete, a seasoned real estate investor. Michael shares his journey, starting with inspiration from HGTV to his initial foray into wholesaling properties. He offers advice for beginners, emphasizing the importance of education, networking, and understanding one's investment criteria. The episode covers the challenges new investors face, such as analysis paralysis, and the significance of confidence in decision-making. Michael also discusses the financial aspects of starting in real estate investment, including down payments and renovation costs, and the value of leveraging professional contractors. The episode is a resourceful guide for aspiring real estate investors and agents. The background of real estate investing (00:01:36) Discussion on the appeal of real estate investing and its potential for generating passive income and retirement security. Michael's journey into real estate investing (00:02:23) Michael Del Prete shares his personal motivation for entering the world of real estate investing, highlighting the role of financial aspirations and family considerations. Wholesaling as a real estate investment strategy (00:04:21) Explanation of the concept of wholesaling in real estate, including the process of finding distressed properties and acting as an intermediary between sellers and cash buyers. The essential first step in building a successful investment portfolio (00:09:22) Emphasis on the importance of education and networking as the foundational steps for individuals new to real estate investing. Common pitfalls for beginners and how to avoid them (00:13:29) Discussion on the potential pitfalls for new investors, including analysis paralysis and the significance of gaining confidence through education and community involvement. Startup costs and considerations for rental property investment (00:14:54) Insights into the financial requirements and considerations for investing in rental properties, including down payment percentages and inspection periods.

21 FEB 2024 · In this podcast episode, SaCola Lehr converses with real estate investor and mentor, Joe Bodek. They discuss Joe's journey in the real estate industry, his portfolio, and his exploration of creative real estate strategies. Joe explains the concept of creative real estate and how it can turn "dead leads" into profitable deals. He emphasizes the importance of involving an attorney in creative real estate deals for transparency and ethical practices. He also shares his process of a lease option and advises listeners on the skills and knowledge needed to excel in the field. The episode concludes with Joe's personal insights and aspirations. http://www.executivementoring1.com Joe Bodek, co-owner of Executive Real Estate Mentoring LLC. With a real estate journey spanning back to 1971, Joe and his partner Wallace Zhou are accomplished investors and mentors.From managing over 10,000 homes to pioneering creative real estate strategies, Joe's expertise has impacted thousands of students over the past 12 years. Currently, they're teaching both newbies and seasoned professionals to become Real Estate Transaction Engineers, covering six diverse real estate niches. https://bit.ly/4bHqzDdJoe is also the brains behind the highly acclaimed Ultimate Automated Lead Machine Program, a top-tier lead-generating tool. https://bit.ly/433eLaF Connect with SaCola: https://www.youtube.com/redirect?event=video_description&redir_token=QUFFLUhqbWdEam94cEIyMHBkSlJ1YWFJd2FOaGg5WFZOQXxBQ3Jtc0tsVUxaODZPMTVCb0NaUEd0eVJSbEFBN1N5Q1NhYVllQlNDdGNFUkVaLXJPdUlpcUFFR2cxeW1CbENPQW1qeUprWl9oaHpRN290bkYtZkFrNUxEeGhaclpqSFM4UEJxc0JMTjYybkFrcGROM1M1ZXNOUQ&q=https%3A%2F%2Fworkitliveitownit.com%2F&v=p8jNcBryl1YFollow SaCola on Facebook: https://facebook.com/%C2%A0workitliveitownit%C2%A0%C2%A0https://facebook.com/%C2%A0workitliveitownit%C2%A0%C2%A0Follow SaCola on Instagram: https://instagram.com/workitliveitownit.comhttps://www.youtube.com/redirect?event=video_description&redir_token=QUFFLUhqa01EQ1pBSi03ZFlCLTg0OXFacUFBd2tDRkxJQXxBQ3Jtc0tuQ1c1bjZROXFpZnFld1A3REZudlZHalFwdDJPclVOSmpfVHJ3S3FzVGZjbW9GNGh4SGYzaW1xelhhOVBNcFp1LXlmU2p0dkFBeldqZHVmMWtwRlVfRW5VT3REZVQ5aTVBVDZQc2ROamRveVdhR2Riaw&q=https%3A%2F%2Fwww.instagram.com%2Fworkitliveitownit%2F&v=p8jNcBryl1YSubscribe to Work it, Live it, Own it! On YouTube: https://www.youtube.com/redirect?event=video_description&redir_token=QUFFLUhqa3NQZUNDTnJtQXFOaEQ0aFk5VTQxdldobTRLUXxBQ3Jtc0trTTFhdVZWUWNBSEd1UTc5NllYQnd3Tk1CUlR1d3dCRjBzb1BOZ3lxVkkwSlZqc04tbWxvN0o3SndqQzRaSUkycTJ0S1VKcTJxU2V4N1MtX05VN2N2M3ZTSkVTbF9oY1lyeWRvdFBqdXNaUG1leXNHZw&q=https%3A%2F%2Fbit.ly%2F2lxB1TS&v=p8jNcBryl1YRead more about SaCola’s real estate story: https://www.youtube.com/redirect?event=video_description&redir_token=QUFFLUhqa1FGLTJzLUdnZ3N1cTNENUIzRDdJS2pVdDRRQXxBQ3Jtc0tsSndYZXljY19ISFVwOXY2Z1o3Z2c2Q0x6cjU3YWpnR0lpNHo2Z0NLRExRM0p1SVlLS2FfcW01dGh6NzlvdGJxdXJmT3hRWTdUMGRsMEdBdU5wdkIyb1hHWTU0b25CenhBRGg5X0phaEtQZFMyT2F2bw&q=https%3A%2F%2Fbit.ly%2F40T3dnt&v=p8jNcBryl1YGet Your FREE Home Purchasing Pathway Guide: https://bit.ly/purchasingpathwayCheck out the Sell Your Home Guide: https://www.youtube.com/redirect?event=video_description&redir_token=QUFFLUhqbG1lU1ZjaGxmemtvd1FtZ3RRY1EzVUxkaGxEd3xBQ3Jtc0tudHV3a01fTWNWUnFTSmg1cDd2YzJLb3cyaEtVd1Ffa3dHLXVzQ0UwSlRkUHZ4QS03TnVUcHh2anE3a3ItVGFQa250eUJ1MmdyMEJYS1RkZDZQNHNQbzBvdVNxdXpfU3AwQXVueU9mNDZlNHFmak8tZw&q=https%3A%2F%2Fbit.ly%2F3NuHP58&v=p8jNcBryl1Y

14 FEB 2024 · In this incredible podcast episode, get ready to be inspired as host SaCola Lehr interviews the amazing Sophie Plappert, a financial expert and founder of SJP Services Group. Sophie's insights on real estate investing will leave you motivated and ready to take action! One of the key lessons Sophie shares is the importance of cash flow management. She emphasizes the need to have a solid plan in place to ensure your investments are generating consistent income. By focusing on cash flow, you can build a strong foundation for your real estate portfolio and achieve long-term success. Another valuable tip Sophie offers is the significance of having a dedicated team. Surrounding yourself with professionals who specialize in different aspects of real estate investing can make all the difference. From property managers to accountants, having a team of experts by your side will help you navigate the challenges and maximize your returns. But that's not all! Sophie also provides invaluable advice on tax management. She advises setting aside 10-15% of each transaction for taxes and paying them quarterly. By staying on top of your tax obligations, you can avoid any surprises and keep your real estate investments on track. Beyond her financial expertise, Sophie also shares her personal interests and passions. She reveals her desire to improve her cooking and baking skills, showing that even successful entrepreneurs have hobbies and goals outside of their professional lives. It's a reminder that we can always strive for personal growth and development, no matter how accomplished we may be. As the episode comes to a close, Sophie extends a heartfelt invitation to all listeners. She encourages you to connect with her for further financial advice in real estate investments. With her wealth of knowledge and genuine passion for helping others succeed, Sophie is the perfect mentor to guide you on your real estate journey. So, get ready to transform your real estate investing game! Tune in to this incredible podcast episode and let Sophie's wisdom and inspiration propel you towards financial freedom and success in the world of real estate. To connect with Sophie and seek financial clarity in real estate investments, you're encouraged to visit her website. https://www.sjpservicesgroup.com/ Connect with SaCola: https://www.youtube.com/redirect?event=video_description&redir_token=QUFFLUhqbWdEam94cEIyMHBkSlJ1YWFJd2FOaGg5WFZOQXxBQ3Jtc0tsVUxaODZPMTVCb0NaUEd0eVJSbEFBN1N5Q1NhYVllQlNDdGNFUkVaLXJPdUlpcUFFR2cxeW1CbENPQW1qeUprWl9oaHpRN290bkYtZkFrNUxEeGhaclpqSFM4UEJxc0JMTjYybkFrcGROM1M1ZXNOUQ&q=https%3A%2F%2Fworkitliveitownit.com%2F&v=p8jNcBryl1YFollow SaCola on Instagram: https://instagram.com/workitliveitownit.comhttps://www.youtube.com/redirect?event=video_description&redir_token=QUFFLUhqa01EQ1pBSi03ZFlCLTg0OXFacUFBd2tDRkxJQXxBQ3Jtc0tuQ1c1bjZROXFpZnFld1A3REZudlZHalFwdDJPclVOSmpfVHJ3S3FzVGZjbW9GNGh4SGYzaW1xelhhOVBNcFp1LXlmU2p0dkFBeldqZHVmMWtwRlVfRW5VT3REZVQ5aTVBVDZQc2ROamRveVdhR2Riaw&q=https%3A%2F%2Fwww.instagram.com%2Fworkitliveitownit%2F&v=p8jNcBryl1YSubscribe to Work it, Live it, Own it! On YouTube: https://www.youtube.com/redirect?event=video_description&redir_token=QUFFLUhqa3NQZUNDTnJtQXFOaEQ0aFk5VTQxdldobTRLUXxBQ3Jtc0trTTFhdVZWUWNBSEd1UTc5NllYQnd3Tk1CUlR1d3dCRjBzb1BOZ3lxVkkwSlZqc04tbWxvN0o3SndqQzRaSUkycTJ0S1VKcTJxU2V4N1MtX05VN2N2M3ZTSkVTbF9oY1lyeWRvdFBqdXNaUG1leXNHZw&q=https%3A%2F%2Fbit.ly%2F2lxB1TS&v=p8jNcBryl1YGet Your FREE Home Purchasing Pathway Guide: https://bit.ly/purchasingpathwayCheck out the Sell Your Home Guide: https://www.youtube.com/redirect?event=video_description&redir_token=QUFFLUhqbG1lU1ZjaGxmemtvd1FtZ3RRY1EzVUxkaGxEd3xBQ3Jtc0tudHV3a01fTWNWUnFTSmg1cDd2YzJLb3cyaEtVd1Ffa3dHLXVzQ0UwSlRkUHZ4QS03TnVUcHh2anE3a3ItVGFQa250eUJ1MmdyMEJYS1RkZDZQNHNQbzBvdVNxdXpfU3AwQXVueU9mNDZlNHFmak8tZw&q=https%3A%2F%2Fbit.ly%2F3NuHP58&v=p8jNcBryl1Y

7 FEB 2024 · SaCola Lehr and Misty Molloy, a professional interior designer have a conversation about discovering your homes hidden potential. Misty shares her journey into the design world and offers advice on setting realistic budgets for home renovations, furnishing with style, and unlocking a home's hidden potential. She emphasizes the importance of transparency, research, and considering personal preferences over trends. Misty also discusses the use of e-designers and graphic design programs to visualize a space's potential. The episode concludes with Misty sharing her workday productivity tips, her guiding philosophy, and information about her upcoming e-book, "Unlocking Hidden Potential." Mentions arranged by topic: Design Company:Co-Creative Interiors - Misty Malloy's design company - mentioned throughout the episode Tools:Epoxy kit - mentioned at 00:09:26 - used to paint countertops Social Media:Social media - mentioned at 00:10:25 - influences design trends and expectations Designers:Designers - mentioned at 00:10:25 - can provide tricks and advice for working with existing elements in a space Space Updates:"Lipstick updates" - mentioned at 00:05:52 - small updates to improve the look of a space without a full renovation Kitchen Updates:Backsplash - mentioned at 00:11:28 - can be changed to update the look of a kitchenPaint color - mentioned at 00:11:28 - can affect how cabinetry color looks5000 thousand dollars kitchen renovation - mentioned at 00:11:28 - an example of a specific budget for a kitchen renovation. Check out Misty's Creations, Tips, & Design Inspirations on her website: https://cocreativeinteriors.comResources: Connect with SaCola: https://www.youtube.com/redirect?event=video_description&redir_token=QUFFLUhqbWdEam94cEIyMHBkSlJ1YWFJd2FOaGg5WFZOQXxBQ3Jtc0tsVUxaODZPMTVCb0NaUEd0eVJSbEFBN1N5Q1NhYVllQlNDdGNFUkVaLXJPdUlpcUFFR2cxeW1CbENPQW1qeUprWl9oaHpRN290bkYtZkFrNUxEeGhaclpqSFM4UEJxc0JMTjYybkFrcGROM1M1ZXNOUQ&q=https%3A%2F%2Fworkitliveitownit.com%2F&v=p8jNcBryl1YFollow SaCola on Facebook: https://facebook.com/%C2%A0workitliveitownit%C2%A0%C2%A0https://facebook.com/%C2%A0workitliveitownit%C2%A0%C2%A0Follow SaCola on Instagram: https://instagram.com/workitliveitownit.comhttps://www.youtube.com/redirect?event=video_description&redir_token=QUFFLUhqa01EQ1pBSi03ZFlCLTg0OXFacUFBd2tDRkxJQXxBQ3Jtc0tuQ1c1bjZROXFpZnFld1A3REZudlZHalFwdDJPclVOSmpfVHJ3S3FzVGZjbW9GNGh4SGYzaW1xelhhOVBNcFp1LXlmU2p0dkFBeldqZHVmMWtwRlVfRW5VT3REZVQ5aTVBVDZQc2ROamRveVdhR2Riaw&q=https%3A%2F%2Fwww.instagram.com%2Fworkitliveitownit%2F&v=p8jNcBryl1YSubscribe to Work it, Live it, Own it! On YouTube: https://www.youtube.com/redirect?event=video_description&redir_token=QUFFLUhqa3NQZUNDTnJtQXFOaEQ0aFk5VTQxdldobTRLUXxBQ3Jtc0trTTFhdVZWUWNBSEd1UTc5NllYQnd3Tk1CUlR1d3dCRjBzb1BOZ3lxVkkwSlZqc04tbWxvN0o3SndqQzRaSUkycTJ0S1VKcTJxU2V4N1MtX05VN2N2M3ZTSkVTbF9oY1lyeWRvdFBqdXNaUG1leXNHZw&q=https%3A%2F%2Fbit.ly%2F2lxB1TS&v=p8jNcBryl1YRead more about SaCola’s real estate story: https://www.youtube.com/redirect?event=video_description&redir_token=QUFFLUhqa1FGLTJzLUdnZ3N1cTNENUIzRDdJS2pVdDRRQXxBQ3Jtc0tsSndYZXljY19ISFVwOXY2Z1o3Z2c2Q0x6cjU3YWpnR0lpNHo2Z0NLRExRM0p1SVlLS2FfcW01dGh6NzlvdGJxdXJmT3hRWTdUMGRsMEdBdU5wdkIyb1hHWTU0b25CenhBRGg5X0phaEtQZFMyT2F2bw&q=https%3A%2F%2Fbit.ly%2F40T3dnt&v=p8jNcBryl1YGet Your FREE Home Purchasing Pathway Guide: https://bit.ly/purchasingpathwayCheck out the Sell Your Home Guide: https://www.youtube.com/redirect?event=video_description&redir_token=QUFFLUhqbG1lU1ZjaGxmemtvd1FtZ3RRY1EzVUxkaGxEd3xBQ3Jtc0tudHV3a01fTWNWUnFTSmg1cDd2YzJLb3cyaEtVd1Ffa3dHLXVzQ0UwSlRkUHZ4QS03TnVUcHh2anE3a3ItVGFQa250eUJ1MmdyMEJYS1RkZDZQNHNQbzBvdVNxdXpfU3AwQXVueU9mNDZlNHFmak8tZw&q=https%3A%2F%2Fbit.ly%2F3NuHP58&v=p8jNcBryl1Y

31 JAN 2024 · SaCola Lehr and Connie Ward discuss critical financial behaviors to avoid when applying for a home loan. They outline the "10 commandments" of actions that can jeopardize loan approval, such as co-signing loans, changing bank accounts, making large deposits, and omitting debts. They warn against maxing out credit cards, making late payments, and taking on new loans, as these can harm credit scores. They caution against major purchases and career changes during the home buying process, emphasizing the need for transparent communication with loan officers. They offer resources to educate buyers and stress the importance of informed decision-making for a successful home purchase. Mentions: "Credit Score Concerns": "00:24:45""Buying a Car, Truck, or Van": "00:26:09""Changing Jobs or Becoming Self-Employed": "00:32:10" Connect with SaCola: https://www.youtube.com/redirect?event=video_description&redir_token=QUFFLUhqbWdEam94cEIyMHBkSlJ1YWFJd2FOaGg5WFZOQXxBQ3Jtc0tsVUxaODZPMTVCb0NaUEd0eVJSbEFBN1N5Q1NhYVllQlNDdGNFUkVaLXJPdUlpcUFFR2cxeW1CbENPQW1qeUprWl9oaHpRN290bkYtZkFrNUxEeGhaclpqSFM4UEJxc0JMTjYybkFrcGROM1M1ZXNOUQ&q=https%3A%2F%2Fworkitliveitownit.com%2F&v=p8jNcBryl1YFollow SaCola on Facebook: https://facebook.com/%C2%A0workitliveitownit%C2%A0%C2%A0https://facebook.com/%C2%A0workitliveitownit%C2%A0%C2%A0Follow SaCola on Instagram: https://instagram.com/workitliveitownit.comhttps://www.youtube.com/redirect?event=video_description&redir_token=QUFFLUhqa01EQ1pBSi03ZFlCLTg0OXFacUFBd2tDRkxJQXxBQ3Jtc0tuQ1c1bjZROXFpZnFld1A3REZudlZHalFwdDJPclVOSmpfVHJ3S3FzVGZjbW9GNGh4SGYzaW1xelhhOVBNcFp1LXlmU2p0dkFBeldqZHVmMWtwRlVfRW5VT3REZVQ5aTVBVDZQc2ROamRveVdhR2Riaw&q=https%3A%2F%2Fwww.instagram.com%2Fworkitliveitownit%2F&v=p8jNcBryl1YSubscribe to Work it, Live it, Own it! On YouTube: https://www.youtube.com/redirect?event=video_description&redir_token=QUFFLUhqa3NQZUNDTnJtQXFOaEQ0aFk5VTQxdldobTRLUXxBQ3Jtc0trTTFhdVZWUWNBSEd1UTc5NllYQnd3Tk1CUlR1d3dCRjBzb1BOZ3lxVkkwSlZqc04tbWxvN0o3SndqQzRaSUkycTJ0S1VKcTJxU2V4N1MtX05VN2N2M3ZTSkVTbF9oY1lyeWRvdFBqdXNaUG1leXNHZw&q=https%3A%2F%2Fbit.ly%2F2lxB1TS&v=p8jNcBryl1YRead more about SaCola’s real estate story: https://www.youtube.com/redirect?event=video_description&redir_token=QUFFLUhqa1FGLTJzLUdnZ3N1cTNENUIzRDdJS2pVdDRRQXxBQ3Jtc0tsSndYZXljY19ISFVwOXY2Z1o3Z2c2Q0x6cjU3YWpnR0lpNHo2Z0NLRExRM0p1SVlLS2FfcW01dGh6NzlvdGJxdXJmT3hRWTdUMGRsMEdBdU5wdkIyb1hHWTU0b25CenhBRGg5X0phaEtQZFMyT2F2bw&q=https%3A%2F%2Fbit.ly%2F40T3dnt&v=p8jNcBryl1YGet Your FREE Home Purchasing Pathway Guide: https://bit.ly/purchasingpathwayCheck out the Sell Your Home Guide: https://www.youtube.com/redirect?event=video_description&redir_token=QUFFLUhqbG1lU1ZjaGxmemtvd1FtZ3RRY1EzVUxkaGxEd3xBQ3Jtc0tudHV3a01fTWNWUnFTSmg1cDd2YzJLb3cyaEtVd1Ffa3dHLXVzQ0UwSlRkUHZ4QS03TnVUcHh2anE3a3ItVGFQa250eUJ1MmdyMEJYS1RkZDZQNHNQbzBvdVNxdXpfU3AwQXVueU9mNDZlNHFmak8tZw&q=https%3A%2F%2Fbit.ly%2F3NuHP58&v=p8jNcBryl1Y

24 JAN 2024 · In this podcast episode SaCola Lehr and guest Varney Jallah discuss the intricacies of the homebuying process, focusing on down payment assistance and the steps after an offer is accepted. They explore different loan types, the importance of choosing the right one, and how down payment assistance programs work. The episode also covers the due diligence period, where buyers inspect the home and finalize their loans. Strategies for competing in a multiple bid situation, such as presenting a cash offer, are discussed. SaCola emphasizes the importance of financial preparedness and working with a good real estate agent for a stress-less transaction. Additionally, the difference between due diligence money and earnest money is explained, with the former being non-refundable. The episode concludes with an invitation to access a free purchasing pathway guide and the promise of future episodes on financing dos and don'ts. Get Your FREE Home Purchasing Pathway Guide: https://bit.ly/purchasingpathwayRead more about SaCola’s real estate story: https://www.youtube.com/redirect?event=video_description&redir_token=QUFFLUhqa1FGLTJzLUdnZ3N1cTNENUIzRDdJS2pVdDRRQXxBQ3Jtc0tsSndYZXljY19ISFVwOXY2Z1o3Z2c2Q0x6cjU3YWpnR0lpNHo2Z0NLRExRM0p1SVlLS2FfcW01dGh6NzlvdGJxdXJmT3hRWTdUMGRsMEdBdU5wdkIyb1hHWTU0b25CenhBRGg5X0phaEtQZFMyT2F2bw&q=https%3A%2F%2Fbit.ly%2F40T3dnt&v=p8jNcBryl1YConnect with SaCola: https://www.youtube.com/redirect?event=video_description&redir_token=QUFFLUhqbWdEam94cEIyMHBkSlJ1YWFJd2FOaGg5WFZOQXxBQ3Jtc0tsVUxaODZPMTVCb0NaUEd0eVJSbEFBN1N5Q1NhYVllQlNDdGNFUkVaLXJPdUlpcUFFR2cxeW1CbENPQW1qeUprWl9oaHpRN290bkYtZkFrNUxEeGhaclpqSFM4UEJxc0JMTjYybkFrcGROM1M1ZXNOUQ&q=https%3A%2F%2Fworkitliveitownit.com%2F&v=p8jNcBryl1YFollow SaCola on Facebook: https://facebook.com/%C2%A0workitliveitownit%C2%A0%C2%A0https://facebook.com/%C2%A0workitliveitownit%C2%A0%C2%A0Follow SaCola on Instagram: https://instagram.com/workitliveitownit.comhttps://www.youtube.com/redirect?event=video_description&redir_token=QUFFLUhqa01EQ1pBSi03ZFlCLTg0OXFacUFBd2tDRkxJQXxBQ3Jtc0tuQ1c1bjZROXFpZnFld1A3REZudlZHalFwdDJPclVOSmpfVHJ3S3FzVGZjbW9GNGh4SGYzaW1xelhhOVBNcFp1LXlmU2p0dkFBeldqZHVmMWtwRlVfRW5VT3REZVQ5aTVBVDZQc2ROamRveVdhR2Riaw&q=https%3A%2F%2Fwww.instagram.com%2Fworkitliveitownit%2F&v=p8jNcBryl1YSubscribe to Work it, Live it, Own it! On YouTube: https://www.youtube.com/redirect?event=video_description&redir_token=QUFFLUhqa3NQZUNDTnJtQXFOaEQ0aFk5VTQxdldobTRLUXxBQ3Jtc0trTTFhdVZWUWNBSEd1UTc5NllYQnd3Tk1CUlR1d3dCRjBzb1BOZ3lxVkkwSlZqc04tbWxvN0o3SndqQzRaSUkycTJ0S1VKcTJxU2V4N1MtX05VN2N2M3ZTSkVTbF9oY1lyeWRvdFBqdXNaUG1leXNHZw&q=https%3A%2F%2Fbit.ly%2F2lxB1TS&v=p8jNcBryl1YCheck out the Sell Your Home Guide: https://www.youtube.com/redirect?event=video_description&redir_token=QUFFLUhqbG1lU1ZjaGxmemtvd1FtZ3RRY1EzVUxkaGxEd3xBQ3Jtc0tudHV3a01fTWNWUnFTSmg1cDd2YzJLb3cyaEtVd1Ffa3dHLXVzQ0UwSlRkUHZ4QS03TnVUcHh2anE3a3ItVGFQa250eUJ1MmdyMEJYS1RkZDZQNHNQbzBvdVNxdXpfU3AwQXVueU9mNDZlNHFmak8tZw&q=https%3A%2F%2Fbit.ly%2F3NuHP58&v=p8jNcBryl1Y

17 JAN 2024 · In this podcast episode, SaCola Lehr interviews Varney Jallah, founder of Structured Credit Solutions and author of "The Not So Secret Guide to Boost Your Credit Score". They discuss credit repair, down payment assistance, and the home buying process. Varney shares tips on improving credit scores, including setting up auto payments, keeping credit card utilization under 10%, and adding revolving credit accounts. He also warns against relying solely on Credit Karma for credit tracking, as it only provides two scores and suggests checking FICO scores for a complete picture. The conversation also touches on the importance of credit education, especially for college students.https://amzn.to/3RZXeMzReach out to Varney Jallah: https://totalstructuredsolutions.com/ The importance of credit score (00:00:53)Varney discusses how credit scores impact various aspects of life, such as job applications, mortgage approvals, and business financing. Payment history and its impact on credit score (00:01:35)Varney explains that 35% of a credit score is based on payment history and provides tips on how to ensure timely payments to maximize points in this category. Utilization and maintaining low credit card balances (00:03:42)Varney discusses the importance of keeping credit card utilization under 10% and provides strategies for managing credit card balances to optimize points in the utilization category. The importance of revolving credit (00:09:08)Revolving credit makes up 65% of credit scores, and not having any can significantly impact your score. How to get a secure credit card (00:10:01)Advice on getting a secure card from a local bank to build credit, with tips on usage and payments. Advice for college students (00:12:04)Encouragement for college students to educate themselves about credit, use one credit card responsibly, and avoid excessive debt. The importance of tracking all three credit scores (00:18:03)Credit Karma only provides two scores, so it's important to track the third score as well for a complete picture of your credit health. The three FICO scores used by mortgage lenders (00:18:52)Mortgage lenders use the FICO five, four, and two scores to assess creditworthiness, with the middle score being the most important. How to determine the middle score for mortgage applications (00:18:52)By canceling out the highest and lowest scores, the remaining score is considered the middle score, which is used by lenders for mortgage applications.Connect with SaCola: https://www.youtube.com/redirect?event=video_description&redir_token=QUFFLUhqbWdEam94cEIyMHBkSlJ1YWFJd2FOaGg5WFZOQXxBQ3Jtc0tsVUxaODZPMTVCb0NaUEd0eVJSbEFBN1N5Q1NhYVllQlNDdGNFUkVaLXJPdUlpcUFFR2cxeW1CbENPQW1qeUprWl9oaHpRN290bkYtZkFrNUxEeGhaclpqSFM4UEJxc0JMTjYybkFrcGROM1M1ZXNOUQ&q=https%3A%2F%2Fworkitliveitownit.com%2F&v=p8jNcBryl1YFollow SaCola on Facebook: https://facebook.com/%C2%A0workitliveitownit%C2%A0%C2%A0https://facebook.com/%C2%A0workitliveitownit%C2%A0%C2%A0Follow SaCola on Instagram: https://instagram.com/workitliveitownit.comhttps://www.youtube.com/redirect?event=video_description&redir_token=QUFFLUhqa01EQ1pBSi03ZFlCLTg0OXFacUFBd2tDRkxJQXxBQ3Jtc0tuQ1c1bjZROXFpZnFld1A3REZudlZHalFwdDJPclVOSmpfVHJ3S3FzVGZjbW9GNGh4SGYzaW1xelhhOVBNcFp1LXlmU2p0dkFBeldqZHVmMWtwRlVfRW5VT3REZVQ5aTVBVDZQc2ROamRveVdhR2Riaw&q=https%3A%2F%2Fwww.instagram.com%2Fworkitliveitownit%2F&v=p8jNcBryl1YSubscribe to Work it, Live it, Own it! On YouTube: https://www.youtube.com/redirect?event=video_description&redir_token=QUFFLUhqa3NQZUNDTnJtQXFOaEQ0aFk5VTQxdldobTRLUXxBQ3Jtc0trTTFhdVZWUWNBSEd1UTc5NllYQnd3Tk1CUlR1d3dCRjBzb1BOZ3lxVkkwSlZqc04tbWxvN0o3SndqQzRaSUkycTJ0S1VKcTJxU2V4N1MtX05VN2N2M3ZTSkVTbF9oY1lyeWRvdFBqdXNaUG1leXNHZw&q=https%3A%2F%2Fbit.ly%2F2lxB1TS&v=p8jNcBryl1YRead more about SaCola’s real estate story: https://www.youtube.com/redirect?event=video_description&redir_token=QUFFLUhqa1FGLTJzLUdnZ3N1cTNENUIzRDdJS2pVdDRRQXxBQ3Jtc0tsSndYZXljY19ISFVwOXY2Z1o3Z2c2Q0x6cjU3YWpnR0lpNHo2Z0NLRExRM0p1SVlLS2FfcW01dGh6NzlvdGJxdXJmT3hRWTdUMGRsMEdBdU5wdkIyb1hHWTU0b25CenhBRGg5X0phaEtQZFMyT2F2bw&q=https%3A%2F%2Fbit.ly%2F40T3dnt&v=p8jNcBryl1YCheck out the Homebuyers Guide: https://www.youtube.com/redirect?event=video_description&redir_token=QUFFLUhqbnpFSnBkdkFPdHpiMEZyT3YzVFZJUHpwZnlFd3xBQ3Jtc0tuS0prWXZjbnh3UUxKWFJ2d21sOTZpckdmYzEtbk9MdFpRMmxKeWhZdzg4amV0Nk50cXJDaER5QVpXQ1BmNkxLUmNwVmVQTHR2NlpfSG9zTGRYaTlrNXFnbzF1WS1DcGxvcDktbW85ZTRwREoyNE1zQQ&q=https%3A%2F%2Fbit.ly%2F3VoOGi5&v=p8jNcBryl1YCheck out the Sell Your Home Guide: https://www.youtube.com/redirect?event=video_description&redir_token=QUFFLUhqbG1lU1ZjaGxmemtvd1FtZ3RRY1EzVUxkaGxEd3xBQ3Jtc0tudHV3a01fTWNWUnFTSmg1cDd2YzJLb3cyaEtVd1Ffa3dHLXVzQ0UwSlRkUHZ4QS03TnVUcHh2anE3a3ItVGFQa250eUJ1MmdyMEJYS1RkZDZQNHNQbzBvdVNxdXpfU3AwQXVueU9mNDZlNHFmak8tZw&q=https%3A%2F%2Fbit.ly%2F3NuHP58&v=p8jNcBryl1Y

3 JAN 2024 · Welcome to another episode filled with empowerment and inspiration! Today, SaCola will take you on a transformative journey as she explores the incredible potential of selecting a 'word of the year'. Get ready to be inspired as she shares her personal experiences with words like 'consistency', 'refresh', and her current word, 'flourish'. SaCola's passion for intentional actions and seeking support from others will ignite a fire within you. She firmly believes that by choosing a word that deeply resonates with your aspirations, you can unlock the transformative power that lies within you. To further fuel your motivation, SaCola recommends the life-changing book, "The One Word That Will Change Your Life". This incredible resource will guide you in discovering your own word of the year and provide practical strategies to turn it into a reality. As we come to the end of this episode, SaCola invites you to share your own 'word of the year' with the community. Let's come together and create a network of inspiration and support as we strive to live our best lives. Tune in now and embark on a remarkable journey of personal growth and empowerment. Remember, your word of the year has the power to shape your destiny. Get ready to unleash your true potential and flourish! Recommended Reading From This Episode: (Affiliate Link)https://amzn.to/4agWQAb Connect with SaCola: https://www.youtube.com/redirect?event=video_description&redir_token=QUFFLUhqbWdEam94cEIyMHBkSlJ1YWFJd2FOaGg5WFZOQXxBQ3Jtc0tsVUxaODZPMTVCb0NaUEd0eVJSbEFBN1N5Q1NhYVllQlNDdGNFUkVaLXJPdUlpcUFFR2cxeW1CbENPQW1qeUprWl9oaHpRN290bkYtZkFrNUxEeGhaclpqSFM4UEJxc0JMTjYybkFrcGROM1M1ZXNOUQ&q=https%3A%2F%2Fworkitliveitownit.com%2F&v=p8jNcBryl1YFollow SaCola on Facebook: https://facebook.com/%C2%A0workitliveitownit%C2%A0%C2%A0https://facebook.com/%C2%A0workitliveitownit%C2%A0%C2%A0Follow SaCola on Instagram: https://instagram.com/workitliveitownit.comhttps://www.youtube.com/redirect?event=video_description&redir_token=QUFFLUhqa01EQ1pBSi03ZFlCLTg0OXFacUFBd2tDRkxJQXxBQ3Jtc0tuQ1c1bjZROXFpZnFld1A3REZudlZHalFwdDJPclVOSmpfVHJ3S3FzVGZjbW9GNGh4SGYzaW1xelhhOVBNcFp1LXlmU2p0dkFBeldqZHVmMWtwRlVfRW5VT3REZVQ5aTVBVDZQc2ROamRveVdhR2Riaw&q=https%3A%2F%2Fwww.instagram.com%2Fworkitliveitownit%2F&v=p8jNcBryl1YSubscribe to Work it, Live it, Own it! On YouTube: https://www.youtube.com/redirect?event=video_description&redir_token=QUFFLUhqa3NQZUNDTnJtQXFOaEQ0aFk5VTQxdldobTRLUXxBQ3Jtc0trTTFhdVZWUWNBSEd1UTc5NllYQnd3Tk1CUlR1d3dCRjBzb1BOZ3lxVkkwSlZqc04tbWxvN0o3SndqQzRaSUkycTJ0S1VKcTJxU2V4N1MtX05VN2N2M3ZTSkVTbF9oY1lyeWRvdFBqdXNaUG1leXNHZw&q=https%3A%2F%2Fbit.ly%2F2lxB1TS&v=p8jNcBryl1YRead more about SaCola’s real estate story: https://www.youtube.com/redirect?event=video_description&redir_token=QUFFLUhqa1FGLTJzLUdnZ3N1cTNENUIzRDdJS2pVdDRRQXxBQ3Jtc0tsSndYZXljY19ISFVwOXY2Z1o3Z2c2Q0x6cjU3YWpnR0lpNHo2Z0NLRExRM0p1SVlLS2FfcW01dGh6NzlvdGJxdXJmT3hRWTdUMGRsMEdBdU5wdkIyb1hHWTU0b25CenhBRGg5X0phaEtQZFMyT2F2bw&q=https%3A%2F%2Fbit.ly%2F40T3dnt&v=p8jNcBryl1YCheck out the Homebuyers Guide: https://www.youtube.com/redirect?event=video_description&redir_token=QUFFLUhqbnpFSnBkdkFPdHpiMEZyT3YzVFZJUHpwZnlFd3xBQ3Jtc0tuS0prWXZjbnh3UUxKWFJ2d21sOTZpckdmYzEtbk9MdFpRMmxKeWhZdzg4amV0Nk50cXJDaER5QVpXQ1BmNkxLUmNwVmVQTHR2NlpfSG9zTGRYaTlrNXFnbzF1WS1DcGxvcDktbW85ZTRwREoyNE1zQQ&q=https%3A%2F%2Fbit.ly%2F3VoOGi5&v=p8jNcBryl1YCheck out the Sell Your Home Guide: https://www.youtube.com/redirect?event=video_description&redir_token=QUFFLUhqbG1lU1ZjaGxmemtvd1FtZ3RRY1EzVUxkaGxEd3xBQ3Jtc0tudHV3a01fTWNWUnFTSmg1cDd2YzJLb3cyaEtVd1Ffa3dHLXVzQ0UwSlRkUHZ4QS03TnVUcHh2anE3a3ItVGFQa250eUJ1MmdyMEJYS1RkZDZQNHNQbzBvdVNxdXpfU3AwQXVueU9mNDZlNHFmak8tZw&q=https%3A%2F%2Fbit.ly%2F3NuHP58&v=p8jNcBryl1Y