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Are you looking for a path to financial freedom? Would you like to buy a home sometime in the future? Join us at The Royal Ties podcast, where we will uncover all the questions you have about your financial literacy. This podcast has all the answers to your need-to-know questions. How do I become debt free? How do I budget to eventually buy my first home? What is my credit score and how do I fix it? I am Clarck the financial coach, and I have dedicated myself to serving my community by being ...
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Ep 24: The Impact Of Job Loss On Credit Scores And How To Manage It
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Do you find it difficult to understand the complexities of personal finance? In today's episode, we explore a critical issue affecting millions: the profound impact of job loss on credit scores. Come learn about the ways that unemployment can impact your finances and discover professional methods to help you overcome these obstacles as we explore t…
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The Impact Of Credit Scores On Rental Applications And Leases
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In this episode of The Royalties Podcast, Clarck Cadet dives into how credit scores wield substantial influence over rental applications and leases, impacting various aspects of the renting process. We speak about how landlords frequently employ credit scores as a metric for evaluating the financial stability of prospective tenants, using higher sc…
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Get clarity and make more empowering decisions on your credit journey with Financial Literacy
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Hey folks, today is all about the backbone of financial stability: understanding financial literacy and its pivotal role in cultivating and sustaining good credit. We're diving headfirst into why being financially savvy is a game-changer, especially when it comes to managing credit responsibly. From deciphering credit offers to sidestepping common …
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From Stress to Success; Understanding Your Debt-to-Income Ratio
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We're diving into a topic that's not just important but downright essential: the debt to income ratio, or DTI for short. Ever heard of it? If not, you're in for a treat. In this episode, we're unpacking what DTI is all about and why it matters so darn much. Your DTI gives you a snapshot of your financial health, what monthly income goes toward debt…
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Breaking down Bankruptcy and understanding the effects it has on your credit report
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6:10
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Ever wonder if Bankruptcy is the right choice for you or your business? Understanding bankruptcy from a legal standpoint is important if you are thinking about it. Let me help guide you through this difficult subject. Join me on an exploration of bankruptcy's diverse landscape, from the liquidation tactics of Chapter 7 to the strategic maneuvers of…
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Building Financial Confidence with Secured Credit Cards
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6:27
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Explore the world of secured credit cards and their benefits in today's enlightening episode of the Royal Ties podcast. Secured credit cards are more than just a financial tool; they're a gateway to building or rebuilding credit. Join us as we dive into the fundamentals of secured credit cards, from understanding how they work to the tangible benef…
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From Credit to Keys: How Your Score Affects Auto Financing
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Discover how your credit score impacts auto loans and financing options in today's insightful episode of The Royal Ties podcast. Your credit score isn't just a number; it's a key factor in securing favorable terms and options for auto financing. Join Clarck as he delves into the nuances of credit scores and auto loans, exploring how credit scores a…
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How Credit Scores Shape Small Business Loan Approvals
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Unlock the secrets to obtaining small business loans and financing in today's episode with Clarck on The Royal Ties podcast. Delve into the critical role credit scores play in securing funding for your small business. Clarck, shares invaluable insights into how credit scores influence loan eligibility, amounts, and interest rates. Learn essential t…
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Exploring Credit Score Impact on Business Property Rentals
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Discover how your credit score affects renting a commercial property for business in today's episode of The Royal Ties podcast. Landlords scrutinize creditworthiness when leasing commercial spaces. Learn how to leverage your credit score to secure the best lease terms and rates. Clarck breaks down the impact of credit scores on lease approval, nego…
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Golden Years: Smart Strategies for Maintaining a Strong Score in Retirement
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Unlock the secrets to maintaining good credit during your retirement years in this episode of Royal Ties podcast. Even after retirement, credit management is crucial for financial flexibility and securing favorable terms. Clarck, your financial coach, breaks down the importance of credit in retirement and offers strategic insights to keep your cred…
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The Art of Negotiating & Settling Lower Credit Card Balances
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In this episode of the Royal Ties podcast, Clarck the Financial Coach delves into the crucial topic of negotiating and settling credit card debt for a lower amount. If you're grappling with credit card debt and feeling overwhelmed, this episode is your guide to regaining control of your financial situation. Clarck breaks down the process step by st…
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Debunking Credit Score Myths for Financial Confidence
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This week we debunk widespread misconceptions about credit scores. In this episode, we clear the air on common myths, from the impact of closing cards to checking your score. Discover the truth behind carrying credit card balances and much more. Empower yourself with accurate credit insights to make informed financial decisions. Tune in now for a c…
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Join us as we unravel the intricacies of credit scores and their impact on your financial health. From payment history to credit utilization, grasp the essentials that shape this three-digit number. Learn how your credit score affects loans, interest rates, rentals, and even job prospects. We dive into actionable strategies, from timely payments to…
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The Importance of Regular Credit Score Monitoring Explained
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In this episode, we dive into the why behind monitoring your credit score regularly. It's not just a number; it's your financial GPS. Regular checks spot errors and fraud early, keeping you safe. They reveal how your actions influence your creditworthiness, motivating positive financial habits. Planning a big move? Knowing your score beforehand set…
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In this insightful episode, we unlock the secrets behind managing credit card utilization ratio. A critical element influencing your overall credit score. Understanding the intricate tactics to effectively manage your credit card utilization ratio is more than just a financial skill—it's a pathway to securing a prosperous future. We'll explore the …
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Protect your credit by building a Financial Fortress
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8:29
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Join us as we uncover the transformative benefits of building an emergency fund in today's episode. Learn how it shields you from debt, supports good credit behavior, and reduces reliance on credit cards during unexpected expenses. Explore the peace of mind it provides, protecting your credit score, expediting recovery from setbacks, and creating o…
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Credit in Love: How to Navigate Joint Accounts with Your Partner
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In today's episode, we'll discuss tips for managing joint credit accounts with a partner or spouse. Joint credit accounts can be a powerful tool for shared financial responsibilities, but they also require careful management and communication. Follow me on Instagram at: @clarckthefinancialcoach @theroyaltiespodcast Visit my website at: https://cl…
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Credit 101: A Young Adult's Guide to Responsible Credit Management
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In today's episode, we'll discuss A young adult's guide to responsible credit management. Follow me on Instagram at: @clarckthefinancialcoach @theroyaltiespodcast Visit my website at: https://clarckcadet.com/By Clarck Cadet
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In today's episode, we'll explore the difference between renting vs owning property and also separating wants vs needs in today's climate it is imperative we learn to understand the pros and cons of each and how they affect our lives. Follow me on Instagram at: @clarckthefinancialcoach @theroyaltiespodcast Visit my website at: https://clarckcadet…
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In today's episode, we'll discuss How to prepare to buy your first home and the steps you need to take to in order to do so. Follow me on Instagram at: @clarckthefinancialcoach› @theroyaltiespodcast Visit my website at: www.clarckcadet.comBy Clarck Cadet
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In today's episode, we'll go into what I wish I knew in my 20's and how that correlates into my life now in my 30s. Follow me on Instagram at: @clarckthefinancialcoach @theroyaltiespodcast Visit my website at: www.clarckcadet.comBy Clarck Cadet
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The 10 Credit Commandments. I flipped this classic and made it a new classic then dropped it exclusively on The Morning Detour @ckut radio!!!. Leading by example always and I won't stop bringing you financial education through entertainment. If you support the movement share like follow and comment below. I do it for the community from the communit…
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Exploring the world of relationships with money and how it affects us daily. In today's episode, we'll explore peoples relationships with money and how it affects their lives on every level. Let's dive in and discover our relationships with money. Follow me on Instagram at: @clarckthefinancialcoach @theroyaltiespodcast Visit my website at: www.cl…
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In today's episode, we'll explore the impact of buy now and pay later lifestyle and how that mindset affects our lives when it comes to spontaneous purchases. Follow me on Instagram at: @clarckthefinancialcoach @theroyaltiespodcast Visit my website at : www.clarckcadet.comBy Clarck Cadet
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In today's episode, we'll explore the difference between a proactive and reactive mindset and how the two different mindsets can affect your financial situation not only right now but in the future as you progress in your career. Follow me on Instagram at: @clarckthefinancialcoach @theroyaltiespodcast Visit my website at: www.clarckcadet.com…
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Welcome to the Royalties podcast. My name is Clarck Cadet, a k a Clarck, the financial coach, a proud husband, father, and entrepreneur who has dedicated his life to educating the community. And by community, I mean any and everyone who wants to become financially proficient. Through the Royalties podcast, I will be dropping gems biweekly to help y…
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