Learn the top ways you can build an emergency fund with a simple change in your shopping habits. Also, get insights on how to learn entrepreneurship while working full time. 

Make sure you watch the Mr. J Real Talk Facebook Live show every Sunday at 9pm(CST). 

​Watch as Mr. J Real Talk talks the Mayweather vs McGregor fight, myths about entrepreneurship that you should not believe, and do you really need to budget? 

July 30th, 2017 I discuss the incredible insane spirit that Elon Mush has to achieve his goals, how passion is part of the formula, and consumer protection laws. 

Elon Musk gave up all his fortune to focus on SpaceX and Tesla. Would you give up your fortunate to chase your passion? 

Passion is part of the process. Don't let yourself be discouraged by someone else's failures. 

Learn about the different consumer protection laws. I talk in detail about The Equal Credit Opportunity Act and Credit Card Act of 2009. 

Tune in Sundays at 9pm CST on my Facebook Live to catch the best commentary, news, and opinion on entrepreneurship and personal finance. 

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Last night's Facebook live I discussed LeBron "King" James turning his $1million investment in Blaze Pizza into $25million after a private equity firm invested in the company. How to be an entrepreneur in your own right, and establishing SMART financial goals. 

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In last night's Mr. J Real Talk show I discussed the new rules affecting credit scores, developing an elevator pitch, and private student loans. 

Credit Scores
In a new ruling public records on credit reports will not affect peoples credit scores. The two public records include tax liens and civil judgements. The new rules will affect 7% of the U.S. population and will raise their scores by at least 20 points. However, the new scores does not mean that banks and other lending institutions will not look at other factors affecting credit score and history such as high credit card debt. The best things to do is lower your credit card debt, pay your taxes, and try not to get sued. 

Elevator Pitch
An elevator pitch is a one minute speech to persuade a potential investor you meet in an elevator to invest in your company. In reality the elevator pitch is just a speech about your business said during a business plan competition or investor meeting. In my experience the best elevator pitches come from people who are fully invested in their company, give passion, and do not have to use notecards to give their pitch. I used a template from the Founders Institute to write my pitch for this show and you should too if your having trouble writing your elevator pitch. 

Private Student Loans
If you have private student loans you may be in for some luck. The National Collegiate Student Loan Trust recently lost $5 billion in student loan paperwork. If you have a private student loan with the Trust I highly suggest you check to see if your paperwork went missing because you may be off the hook. Let's just keep our eyes and ears open for any other company who loses their paperwork. 

Tune in Sunday, July 30 at 9pm CT for the Mr. J Real Talk show live on Facebook Live. 

In July 19th, 2017 show Mr. J Real Talk discussed 50cent Effen Vodka deal, the little details of purchasing a vehicle, and how fun in the sun can turn into fun in hell. 

Purchasing a Vehicle
When purchasing a vehicle it is important to look at the all the small details before making the purchase. People often over look additional costs such as local and states taxes, license plate fees, and other fees that can add up. Before making the purchase do your research, get a good interest rate on your car loan, give a sizable down payment, and make sure your total car costs do not exceed 20% of your monthly net pay. 

50cent Selling his stake in Effen Vodka
Reports are saying that 50cent recently sold his minority stake in Effen Vodka, which made him a cool $60 million. This is 50cent's second successful business ownership venture, the first being the $200 million he made from Vitamin Water when it was bought by Coca-Cola. 

Fun in the Sun can turn into Fun in Hell
When vacationing make sure you do your research and not go extremely cheap. There are times when spending a few extra dollars is worth every penny, for example, extra leg room on long international flights and flying direct instead of connections. Trust me spending a few dollars will not only save you the headaches but also from having to spend extra on hotels or missing flights. 

Resources
https://www.dmv.org/
http://www.taxrates.com/
https://www.hopper.com/
http://www.cnbc.com/2017/05/11/whens-the-best-time-to-book-a-flight.html
https://www.vibe.com/2017/07/50-cent-ends-partnership-with-effen-vodka-60-million/