The Thought Card
The Thought Card
Danielle Desir
The Thought Card is an affordable luxury travel and personal finance podcast empowering financially savvy travelers with the tools and resources to travel the world, earn more money, pay off debt, and build wealth. Join Danielle Desir every other week as she explores creative ways to live life on your terms, obtain financial freedom and location independence. Also, hear inspiring stories from financially savvy travelers traveling the world and crushing their financial goals. To find out more, visit www.podcast.thoughtcard.com.
Buying a House? Here’s 5 Types of Mortgages To Know About
Are you ready to buy a house? June is National Homeownership Month, and to celebrate, I’ve teamed up with Citizens Bank for a two-part homeownership series where I’ll share parts of my homeownership story, and we’ll dive deeper into the most common types of mortgages.  Since there are many different types of mortgages that suit different borrowers, in this episode, we’re covering the most common, including: [3:45] Fixed-rate mortgage  [4:18] Adjustable mortgage [5:40] FHA mortgage  [8:34] Conventional mortgage [9:33] Jumbo mortgage    About Citizens Bank  For more information, check out the Citizens Ready to Buy a Home Hub, which includes an easy-to-follow application guide to help you understand the ins and outs of the home buying process.    Resources Mentioned  Common Mortgage Terms To Know by Citizens  Mortgage Myths Debunked by Citizens  Managing Your Money As A New Homeowner (eBook):  Start your homeownership journey on the right foot. Learn simple ways to organize and optimize your finances so you avoid costly financial mistakes.   If you enjoy this show, please consider leaving me a (virtual) tip by buying me a coffee. With your support, I look forward to continuing to bring you informative personal finance and travel content every other week.  Also, please take a moment to share what you’d like for us to cover next on the show. Request a podcast episode here. Disclaimer: This podcast is part of a paid partnership between Citizens and The Thought Card Podcast. Mortgages are offered and originated by Citizens Bank, N.A. (NMLS ID# 433960). All accounts, loans, and services are subject to individual approval. Equal Housing Lender. Member FDIC.
Jun 23
14 min
How To Define Your Travel Style
What is your travel style? Travel isn’t one-size-fits-all, and there isn’t one way to see the world, only what works for you. When I started traveling after landing my first job after graduate school, my funds were limited. As a result, I had to be creative and I eventually discovered my travel style which helped me align my spending with the items and experiences that mattered most. In this episode, learn how to define your travel style and how it impacts your finances. This episode is sponsored by Knack Bags, a slim and lightweight backpack for everyday use but also expands when you need it. Knack Bags are functional, accessible, and stylish. I love that it packs like a suitcase (opening horizontally) so you don't have to dig for items in the dark. Get a Knack bag and use the code 'TTCKNACK' to get a free TSA-approved lock with purchase; add the TSA lock to your cart with your Knack bag, enter the code and get it for free. If you enjoy this show, please consider leaving me a tip by buying me a coffee. With your support, I look forward to continuing to bring you informative personal finance and travel content every other week.  Also, please take a moment to share what you’d like for us to cover next on the show. Request a podcast episode here. Link to episode: https://podcast.thoughtcard.com/travel-style/ 
May 25
12 min
What To Pack For Road Trips: 28+ Items You Shouldn't Leave Home Without
Before the pandemic, travel meant hopping on a plane and filling my passport with stamps. However, that all changed in 2020. Our borders were closed, and we did not feel comfortable traveling by plane, train, or bus anymore. So, as an alternative, we started exploring smaller cities and towns a few hours from home. Since then, we have become road trip warriors. As the weather gets warmer, you may be planning a road trip of your own, so now is a great time to chat about what to pack for road trips.  This episode is sponsored by Knack Bags, a slim and lightweight backpack for everyday use but also expands when you need it. Knack Bags are functional, accessible, and stylish. I love that it packs like a suitcase (opening horizontally) so you don't have to dig for items in the dark. Get a Knack bag and use the code 'TTCKNACK' to get a free TSA-approved lock with purchase; add the TSA lock to your cart with your Knack bag, enter the code and get it for free. If you enjoy this show, please consider leaving me a tip by buying me a coffee. With your support, I look forward to continuing to bring you informative personal finance and travel content every other week.  Also, please take a moment to share what you’d like for us to cover next on the show. Request a podcast episode here. Link to episode: https://podcast.thoughtcard.com/what-to-pack-for-road-trips/
May 11
18 min
When You're Doing Too Much: Reduce Income Streams Before Burnout
In Episode 83, I announced I was quitting my full-time job to pursue entrepreneurship. Since then, I have learned some important lessons about running a business. As I celebrate publishing the 100th episode of The Thought Card Podcast (yay!), I’m introducing a new series called “Taking the Leap,” where I share the behind-the-scenes of what it’s like being a new entrepreneur. Please take a moment to share what you’d like for us to cover next on the show. Request a podcast episode here. This episode explores the importance of creating passive income and why I’ve decided to scale down from 17 income streams. If you’re curious to learn more about my income streams, please share this episode with a friend. Once this episode reaches 1,000 downloads, I’ll record an in-depth video of how I make money as a creator. 
May 4
11 min
Best Stock Research Tools and Websites
While some of you may have never purchased a stock before, I’ll admit that I have purchased a stock without doing any research. I now know the importance of doing your research. In this episode, we’re chatting about reliable tools to research stocks. Also, stay to the end, where I share a shortlist of my favorite financial educators in the investing space.   This episode is sponsored by Motley Fool Stock Advisor, a subscription service where members get (2) new stock picks sent directly to their inbox every month. Motley Fool has provided trusted investment recommendations for over 28 years, beating the market by almost 5x. Learn more by visiting www.fool.com/TTC. If you enjoy this show, please consider leaving me a tip by buying me a coffee. With your support, I look forward to continuing to bring you informative personal finance and travel content every other week.  Also, please take a moment to share what you’d like for us to cover next on the show. Request a podcast episode here. Link to episode: https://podcast.thoughtcard.com/stock-research-tools/ 
Apr 27
12 min
How To Pick Good Companies to Invest In
Do you have the funds to start investing in the stock market, but you’re unsure how to pick good companies to invest in (or even put on your radar)? Well, financially savvy travelers and financially savvy investors, you’re in the right place. With thousands of publicly-traded companies in the stock market, coming up with criteria you can use to analyze companies will help you beat overwhelm, strengthen your investing knowledge and boost your overall confidence. To help you with this, in this episode, we’re chatting about things to look for when picking companies to invest in. While we'll cover three criteria, there are many others, so do your research.  This episode is sponsored by Motley Fool Stock Advisor, a subscription service where members get (2) new stock picks sent directly to their inbox every month. Motley Fool has provided trusted investment recommendations for over 28 years, beating the market by almost 5x. Learn more by visiting www.fool.com/TTC. If you enjoy this show, please consider leaving me a tip by buying me a coffee. With your support, I look forward to continuing to bring you informative personal finance and travel content every other week.  Please also share this episode with a friend and leave a review on Apple Podcasts or Spotify. Link to episode: https://podcast.thoughtcard.com/good-companies-to-invest-in/ 
Apr 13
12 min
Are You a Short-term Investor or Long-term Investor?
Before investing in the stock market, it’s important to determine your investing goals and match them with the appropriate investing style. In this episode we chat about determing your investment preferences, whether you are a short-term or long-term investor.  This episode is part of a four-part investing series sponsored by Motley Fool Stock Advisor. If you missed the first episode, I encourage you to go back and listen to Episode 96 where I share ways investing in the stock market can improve your financial outlook.   About Our Sponsor: Motley Fool Stock Advisor Motley Fool Stock Advisor is a subscription service where members get (2) new stock picks sent directly to their inbox every month.  Visit www.fool.com/TTC to discover ideas for picking your next stock.  For all business inquiries and sponsorships, email: thethoughtcard@gmail.com.  Link to episode and show notes: https://podcast.thoughtcard.com/short-term-long-term-investor/
Mar 16
13 min
How Investing in the Stock Market Can Improve Your Financial Outlook
This episode kicks off a 4-part investing series sponsored by Motley Fool. Throughout this series, we’re going to talk about how investing can positively impact your financial situation, how to determine if you’re a long-term or short-term investor, tips for picking the right companies, and tools and resources you can use to research stock picks.  Whether you want to earn more money, get out of debt, save for a vacation, or build generational wealth, investing in the stock market can improve your financial outlook and in this episode we explore how.    About Our Sponsor: Motley Fool Stock Advisor Motley Fool Stock Advisor is a subscription service where members get (2) new stock picks sent directly to their inbox every month.  Visit www.fool.com/TTC to discover ideas for picking your next stock.  For all business inquiries and sponsorships, email: thethoughtcard@gmail.com.  Link to episode and show notes: https://podcast.thoughtcard.com/investing-in-the-stock-market/
Feb 9
17 min
Pregnancy Announcement + Maternity Leave Checklist For Entrepreneurs
I have big news to share. We are expecting our first child! Over the last few months, so much has been going on. Not only have I been adjusting to life as an expecting mother, but also life as a new entrepreneur (I quit my corporate job September 2021). In this episode, I share my maternity leave checklist as well as helpful maternity leave planning tips for entrepreneurs.  Check out our baby registery on Amazon here. If you decide to purchase an item, thank you in advance. We really appreciate all the love, gifts and support!  Have a topic you’d like to see shared on the podcast, email: thethoughtcard@gmail.com.  For all business inquiries and sponsorships, email: thethoughtcard@gmail.com.  Link to episode: https://podcast.thoughtcard.com/maternity-leave-checklist/
Jan 26
22 min
6 Travel Hacking Mistakes To Avoid
Since I started travel hacking around 2015, I’ve traveled all across the world either cheaply or for free. However, I have a confession to make. I’ve made my fair share of credit card mistakes. Listen to this episode to hear about all the embarrassing travel hacking mistakes I’ve made over the years as well as how to avoid them. On January 22, 2022, join the live workshop (or catch the on-demand replay) Intro To Travel Hacking: Earning Points & Miles Workshop — learn how to earn more points and miles beyond those lucrative credit card sign-up including how to pick the right credit card for your travel goals and lifestyle, determine if the annual fees are worth it, get tips for organizing your points and miles portfolio, and more. If you enjoy this show and like my work, you can Buy Me A Coffee. Your support will not only keep me going but will help cover the cost of getting new equipment and editing. With your support, I look forward to continuing to bring you informative personal finance and travel content every other week.  Please also share this episode with a friend and leave a review on Apple Podcasts.  Link to episode: https://podcast.thoughtcard.com/travel-hacking-mistakes/
Jan 11
22 min
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