Real Intelligence (RI) & Wealth Building

Posted on August 9, 2025 by TheWealthIncreaser.com

Improving Your Finances in an Intelligent, Consistent & Proactive Manner

Learn how you can use “real intelligence and ~~not~~ “artificial intelligence” to build wealth more efficiently…

Although AI (Artificial Intelligence) is a great time saver and can enhance your results in many endeavors, AI cannot substitute from you applying yourself and using your own intelligence (RI) to achieve more.

In this discussion TheWealthIncreaser.com will discuss the importance of intelligently pursuing your wealth building efforts with what you “have within” so that you can reach the goals that you desire, avoid a financial quagmire, and pursue goals that are higher and not remain where you are–or worst yet reach goals that are dire.

And with hummingbirds and cardinals entering my personal space on this day, the creator of TheWealthIncreaser.com saw that as a sign to help you come up with a real way that you can more intelligently pursue your goals–starting today!

1) Financial uncertainty by many is understandable in the current environment

Even though uncertainty about your future is expected at this time based on all that is happening, you must also expect success throughout your lifetime, despite the uncertainty that is in the air at this and any other time. At this time the atmosphere around the world and particularly in the United States is at a level unseen by many during their lifetime, and for most the atmosphere does not exude positivity.

With tariffs, tax and spending bills that take away from the least who are in need and moves advantages to millionaires and billionaires, the atmosphere is depressing for many.

Despite what is occurring, it is important that you recognize and realize what is outside of your control and what you control so that you can take steps to at a minimum improve your situation at this time and in the coming years–particularly with the uncertainty that is now in the environment.

2) Lack of action by you and others at this or any time is not acceptable if you desire more

The steps that you can take may not be visible to you at this time, however if you take action and sincerely want to learn and apply steps that can lead to you controlling your outcomes as oppose to having your outcomes directed by AI and other disadvantageous means–the solution for you is to take proactive action and control your own life proactively—not reactively–now that is Real Intelligence!

However, AI has its purposes as it can assist you on many tasks and assignments that you may have on a daily basis. Whether ChatGPT, Grok, Copilot, Deepseek, Grammarly, Gemini, DeepL or any others, you want to know the advantages and disadvantages while using as they all have limitations. For those who are business owners, AI has the potential to run all areas of your company, can help schedule your day, pull up demographic data in your area, and can craft a personality profile that caters to your type of business–among other abilities! AI combined with RI can greatly enhance your life and possibly give you a competitive advantage when used appropriately.

It is important that you realize that adversity or unwanted happenings will occur throughout your life and at varying degrees–and in many cases on multiple fronts, therefore you want to equip your mind with all that you can to better manage the adversity that you will undoubtedly face so that you can still achieve–even if you have to re-strategize along the way to achieve your goals.

3) You possess the ability to transform your current situation into that of lasting success

By possessing in your mind what you have learned in this post, you are now in position to grow and pursue other areas of wealth building that you need to know. You want to be aware of what you need to do to more efficiently make your dreams come true–and although AI has many benefits, it is Real Intelligence that will better direct you toward making your dreams come true.

That is not to say that artificial intelligence (AI) should play no role, however you want to use AI and other tools effectively–therefore, you must be aware of the limitations of technology, as real success begins and ends inside of you! Your awareness of the need to pursue your goals more aggressively at this time can help you transform your finances and do what you desire at the various stages of your life. However, it is important that you do so at your highest level as you possess in your heart and mind the knowledge (or will soon possess) that is necessary to do just that!

Conclusion

Your ability to believe in, educate, and use your own mind throughout your lifetime for the benefit of yourself and your family can lead to you not only pursuing more, but also achieving more–in large part because you made the commitment to open a new door.

Although we are currently in an economy of uncertainty, you can use Real Intelligence to move forward with more confidence and optimism in spite of the current economy or any economy. The AI revolution, robots, humanoids, driverless vehicles, drone technology, smart homes, tariffs and the state of leadership worldwide, and particularly in the United States, all signal an uncertain future when looked at objectively. However, it is up to you to turn what appears to be a turbulent economy for an uncertain period into a successful period for you and your family.

You must open your own door if you sincerely desire to soar and using Real Intelligence that you possess in your heart and mind, can put you on a path to achieving the type of success that is one of a kind and prior to you making a “real commitment” in your life, may have been hard to find.

Now is the time that you let joy in, have appreciation for being here, and show gratitude for what you have done and will do so that your heart and mind is at peace, because you control not only AI, but also RI!

That real intelligence includes analyzing your finances in 3 steps (or other ways that you may find effective) and making improvements as best you can on a continuous basis. Keep in mind that still requires planning for the long-term, if you are now in position to do so! It also means having backup plan(s) and the ability to pivot, when necessary, based on economic conditions.

Although chaos, confusion and lack of action by many is currently flowing in the atmosphere and have some in a state of anxiety, you want to operate internally with confidence and not act from a position of weakness–as you must move to action as if you are running in the Preakness (at a pace that is disciplined and uniquely your own).

Although Artificial Intelligence can play a major role in human advancement and possibly make many of your daily tasks less taxing, you want to know in definite terms that the Real Intelligence that you possess is far superior, and even in times of uncertainty you can live simply (with less stress) by knowing in clear terms what you need to do and will do, so that you can laugh more, love more and sincerely open a new door!

At the same time, you don’t want to be afraid of AI as it has numerous roles, therefore you can use AI to perform many tasks for you throughout your lifetime. Even when it comes to building wealth, AI can help you evaluate potential investment returns in say, a target date fund, index fund, ETF fund and other mutual funds and recommend the best pick–for starters. Furthermore, AI has really been around for decades but has really become prominent in the last few years.

Other major advancements in AI over the past few years include remote patient monitoring advancements, doctor visit preparation by patients asking the right questions and seeking the right answers prior to doctor visits, advanced accessibility options for those who don’t hear or see well, along with major advancements in how entertainment can enter into your life–along with countless other capabilities. Even with advancements, many AI platforms are notorious for providing unreliable information, therefore it is your responsibility to decipher the quality of the information/answers using RI, along with doing additional research and/or talking with professionals and others who may have more knowledge of the subject matter than you.

However, the key to success using AI and RI is to control AI and not let AI control you by asking the right question(s) and seeking the right answers (in all facets of your life) –and realize the limitations at all times while using! By doing so you are showing Real Intelligence and the success that you desire will be out in front of you and will be yours to GRAB! You also want to be aware of those who use AI against you to your detriment–as that can prevent you from making your dreams come true.

Always realize and be cognizant that AI is only as good as the input that is utilized–therefore always keep that in mind as there can be bias and incorrect data outputs when that occurs!

All the best to your real success, as you deserve “nothing that is artificial” as you build wealth, due in large part because you are “willing to apply” your Real Intelligence and give it your absolute best while others rest…

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Credit Scoring & Wealth Building

Posted on May 25, 2024 by TheWealthIncreaser.com

Learn why you must know how to utilize credit effectively so that you can maintain or improve your credit score so that you can do more…

What is inside of Wealth Building Now latest book…

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1-2-3 Credit & Me (Frequently Asked Questions)…

In the current economy many are in the process of making financial moves and their credit standing will play a major role. If you are one who plan on making major financial moves in the future, it is imperative that you know the way the credit scoring system operates and you take a “proactive approach” in the management and improvement of your finances.

In this discussion you can learn what you can do to work toward improving your credit and using credit for your and your family’s best interest and not for the greater benefit of creditors and others who do not have your best path toward success in mind. By making a serious commitment to comprehend and apply the “credit scoring” concepts below based on your unique goals that you have, you will put yourself on a path to attaining a credit score where lenders can’t say no!

Know the 3 Major Credit Bureaus & How They Operate

Transunion

Equifax

Experian

Transunion, Equifax, and Experian are the three major players when it comes to the credit bureaus or credit reporting agencies. It is your responsibility to know the 3 major credit bureaus and an easy acronym that you can use is TEE. Think of TEEing off, only it is not for golf but for managing your credit more effectively throughout your lifetime!

You can go to annualcreditreport.com to get your credit report from all three credit bureaus once per year at no cost to you. Additionally, if you are denied credit or turned down from a job based on your credit file, you will be entitled to a free credit report.

The 3 credit bureaus or credit reporting agencies as they are commonly called, assemble files on you based on your name, addresses, social security number, date of birth, employment, and creditors that you owe or you have a relationship with such as credit card companies, student loan providers, auto loan providers, mortgage providers etcetera, and the agencies will note when you pay on time and when you pay late. If you have public record data, foreclosures, liens, rental defaults and other debtor payments that you “failed” to make–that too could appear in your credit file.

If you have “credit issues” be sure to visit the credit improvement discussion on this site and/or be sure to purchase 1-2-3 Credit & Me if you desire to take control of your credit in a more forceful manner! Although effective credit management throughout your lifetime should be your goal, an UltraFICO score and Vantagescore 4 plus are alternative scoring models that offers those with a poor or non-existent credit history to get a score that some creditors will accept based on your banking activity with your checking and savings account(s).

You can go to the following sites to see where you now stand as far as your credit reports are concerned.

Transunion Equifax Experian

Know How Credit is Scored

You want to know what factors go into the scoring of credit. Negative information, utilization, time of credit, type of credit and hard inquiries all play a role in the scoring of your credit.

You can go to the following sites to see where you now stand as far as your credit score is concerned:

creditwise.com

Others–your bank, credit card issuer and others that you may have a financial relationship with all offer free or nominal rate credit scores, monitoring and other products that could be of benefit to you. Bankrate.com offers ratings on various financial products and services that can possibly be of help to you and your family.

Also realize that there are 2 major scoring models and they are FICO and Vantagescore and by effectively managing the 5 credit factors you can “maximize your credit score” regardless of the scoring model that a creditor or others may use during transactions that you engage in during your lifetime.

To get an exceptional (800 plus credit score) score with your credit, you will need to consistently:

Keep Negative information off of your credit report. It is important that you stay current for a number of years and always pay on time as you will show that you are a good credit risk by doing so.

Keep your Utilization rate low. It is important that you keep your utilization of your available credit under 7%. You will pose less risk to lenders and your score will rise over time.

Keep older accounts open over Time, as your score will rise the longer your credit record is. Once you get an average age of 9 years or more, you will be a serious candidate for the 800 club. You can still get there in a shorter time frame as well, depending on your overall credit management, income and particularly how you manage the credit factors that you are now learning.

Know that the Type of accounts that you have are important. Those who are in the 800 club normally have about 6 revolving accounts and 5 installment accounts on their credit reports. In many cases they have several installment accounts in their credit file that have been paid off, but are still a part of their credit file. Credit cards, installment loans, mortgage loans, retail loans etcetera will be weighted. Always realize that your credit mix will be more important if your credit report doesn’t have a lot of other information to base a FICO^® Score on.

Know that when you apply for new credit an Inquiry goes on your report. A new inquiry has the effect of reducing your score for a period. Those who are not actively looking for new credit pose less risk. Those in the 800 club generally have not applied for new credit in the past 12 months.

Know How to Manage Your Credit Effectively

You want to be more than just aware of the credit bureaus and how your credit is scored. You want to proactively get out in front of your credit and do the work upfront so that you can have a lifetime of credit success, or credit success for the period in your life that you desire to utilize credit.

By keeping late payments or negative information off your credit report, utilizing 10% or less of your available credit, keeping your accounts open over a period of time, having the right type of credit based on your goals and keeping hard inquiries to a minimum based on your goals, you can position yourself for a lifetime of credit and financial success.

You also want to ensure that you pay off or pay down burdensome debt like revolving accounts and you properly establish an emergency fund at the earliest time possible.

Conclusion

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It is important that you manage your credit and finances in an intelligent, consistent, and proactive manner and not show concern for your credit after you have damaged or mismanaged your credit and finances.

You also want to ensure that your credit usage align with your goals, as you don’t want to purchase a car or get a home mortgage if you have no need for the car or you prefer renting or don’t like the added responsibilities that come with home ownership.

Even if your “credit mix or type of credit” is not ideal, if you pay your revolving debt on time over time, you will see a gradual and steady increase in your credit score and you will have a good to excellent score that may allow you to achieve your short, intermediate and long-term goals successfully. If your credit is not ideal and traditional credit card issuers won’t issue you a card, you may need to get several secured credit cards to help rebuild your credit if you have had several major dings in the past and your current score is not at the level that allows you to get a loan at a good rate.

If you are “exceptional” in paying on time over time and utilizing your available credit appropriately over time and you are good, very good, excellent, or exceptional by paying on time over time, having different types of credit and keeping your inquiries low–you will eventually get to the 800 plus club (800 or more credit score).

Again, you want to be aware that there are two major credit scoring models and they are FICO and VantageScore, and creditors may use either one of the models when you apply for new credit. If possible, you may want to get information from the potential creditor in advance to determine the model they use–as well as the version so that you can plan, strategize and negotiate better.

Also realize that there are different versions and year of release of those versions when it comes to scoring models, as older and newer versions are on the market at the same time and creditors may use older or newer models and differing versions of those models. Some models will even take your score up to 900! In addition, there are “industry specific” models and versions that you want and need to be aware of!

In addition to managing your credit wisely, you want to do your due diligence in all areas of your finances by proactively knowing what you need to do and what you need to avoid–not re-actively as it is often too late to take corrective action or the action that serves your best interest and not creditors and others after the transaction has occurred! It is imperative that you learn credit card basics prior to running up astronomical balances–as you want to manage your credit wisely from day one when possible!

By implementing the above steps in your life at the earliest time possible you can get out in front of your credit and manage your credit to your advantage and not creditors. Effective credit management will put you in the “scoring range“ that allows you to have the “audacity to be you” as you pursue your goals and what you desire to see most come true!

However, the audacity to be you is contingent upon you doing what you need to do!

All the best to your credit scoring success as you now should expect nothing less…

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