Last week's episode was about reverse mortgages. This week's episode of the podcast features Jeannine Smith, loan officer with Fairway Independent Mortgage, and we discuss mortgages in general.
Jeannine's email address is Jeannine.Smith@fairwaymc.com and her website is www.jsmithmortgage.com. Jeannine has been in the mortgage industry for about 12 years, since 2006.
Buying a house is easier than you might think. Jeannine and I dispel myths, like how much you may need in a downpayment, and how your credit score impacts your ability to get a mortgage. We also talk about best practices and what you can do to better qualify for a loan.
Fairway Mortgage is a lender offering a range of products. Jeannine is focused on helping Veterans obtain VA loans, and educating those who might qualify on the pros and cons of that, and other, loan products.
You can get ahold of Jeannine at the links above, or contact us at Shawn@YesnerLaw.com or www.YesnerLaw.com. What are some other myths you have about mortgages that we can help dispel?
Michael and I discuss the myths and truths of a Reverse Mortgage. Michael is a frequent speaker on the use of home equity during retirement.
I have a very special guest on this week's episode. Jimmy Murray is a friend and fellow Podcaster, also part of the Florida Podcaster's association. If you have young kids, check out his podcast, The Kid Friendly Joke of the Day!
Jimmy has done Stand-Up Comedy, Improv, Blogging and Podcasting, but for our show, his biggest accomplishment has been paying off over $80,000 of debt comprised of Medical Bills, Credit Cards, Student Loans, and a few Judgments. We talk to Jimmy about his journey to become debt free.
You'll learn some of his secrets on reducing or cutting monthly expenses, using your money to reduce your debt, and remaining accountable to yourself, your family and your goals.
If you have questions, or want help to get out of debt, email me at Shawn@YesnerLaw.com, or visit the Firm's website.
Twice a year my homeowner association hosts a community garage sale. Previously (episodes 68 and 86) I discussed lessons that I've learned selling my sh ... tuff at the community garage sale. This week's episode describes another lesson learned, this time at the Spring 2018 garage sale.
If you have questions, please visit my website, or email me at Shawn@YesnerLaw.com.
In this week's episode, I interview Patty Durell and Marleta Black.
Patty owns Rock Solid Fitness since 2012 and has been a physical therapist since 1994. Each year, Rock Solid has achieved over 40% growth and now has 10 staff. Patty is on the show to discuss how your physical health impacts your ability to handle debt and stress.
The growth of Patty's company can be attributed to her work with Marleta Black, who has 31 years of small business and leadership consulting, running teams of 5 to 120 employees using her degree and training as a psychologist. As Patty is Marleta's client, Marleta is also Patty's client and they have a great personal and professional relationship.
Patty, Marleta and I talk about making and keeping goals and how those skills can help you eliminate debt.
Patty can be reached at Patty@RockSolidFitnessFL.com
Marleta can be reached at Hello@MarletaBlackCoaching.com
Any questions, I can be reached at Shawn@YesnerLaw.com or at the Firm's website.
Our last episode of May is an interview with Rich Carey of www.RichonMoney.com.
Rich is our third military interview in as many weeks, and is currently in the US Air Force, 2 years from retirement. On his website, www.RichonMoney.com, under the Real Estate Tab, you'll find his "Complete Guide to Real Estate Investing."
Rich flipped houses in Washington D.C. to help build his income, he purchased rental properties for cash, he paid off $32,000 in student loans, and his $280,000 mortgage in six years !!
This week, we interview Financial Advisor Forrest Baumhover with Westchase Financial Planning.
Our office is located in Westchase, just outside of Tampa, Florida. We met Forrest with a Keep It Local networking group. We both enjoy running, and helping people manage their money. In fact, both Forrest and I will be at FinCon, September 26 - 29, 2018, in Orlando, FL.
Forrest retired from the Navy in April 2017, and now helps his clients understand and plan for retirement. You can contact Forrest at Forrest@WestchaseFinancialPlanning.com or www.WestchaseFinancialPlanning.com. Or you can reach me at Shawn@YesnerLaw.com or www.YesnerLaw.com.
In this week's episode, we interview Doug Nordman ("Nords") about his book The Military Guide, which you can find on his website, the-military-guide.com.
Nords joined the Submarine Force (Navy) right out of college and, upon retirement, found that there was a lack of information to show military members how to retire without having to go back to work. The Military Guide provides service-members, veterans and their families with a road map for becoming financially independent.
For more information, visit his website, or contact me at Shawn@YesnerLaw.com or www.YesnerLaw.com.
In the week's episode of the podcast, I talk to Chris Costello, Chairman and Co-Founder of Blooom.com (with three "o's").
You'll hear the story of how Blooom.com got started in 2004, how the company created its vision and mission (and sticks to those ideals consistently). Chris and I talk about why he started a DIY Financial Planning Company and the challenges most of us face when dealing with "traditional" financial advisors.
Chris even throws in a few tips on how he manages his debt, and his finances.
For more information, visit their website at www.blooom.com, remember there are three "O." And for more information about the all of our episodes, please visit our website at www.YesnerLaw.com or email me directly at Shawn@Yesnerlaw.com.
In this week's episode of the podcast, we interview our friend, Jim Jenkins, founder of Jenkins Law.
Jim started Jenkins Law in 2013 following stints as a Pinellas County Assistant State Attorney (prosecuting people who violated criminal laws), and as an associate attorney at a large Clearwater firm handling personal injury matters.
In fact, just about 3 years ago, Jim's wife, Kelly-Ann Jenkins joined the firm as a partner, and helped Jim grow a firm that now has multiple staff and 2 other associate attorneys. Jim, Kelly-Ann and the team handle criminal law, personal injury law, and insurance litigation (first-party and third-party litigation).
In today's episode, Jim and I discuss first party insurance litigation - where you sue your own insurance company for damages covered by your insurance (versus third party litigation, where you sue the insurance company of the person who injured you).
For more information about first party litigation, or if you have questions about your rights under your own insurance policy, contact Jim through his paralegal Kate at Kate@JenkinsLawPL.com, or visit the website at www.JenkinsLawPL.com.
Or, if you want us to make the introduction to Jim and his team, contact us at Shawn@YesnerLaw.com or www.YesnerLaw.com.
This week's episode is an issue we get quite often unfortunately.
What happens when the Seller knows about a defect with the house and fails to disclose it?
What happens when the Seller does not know?
What happens when the inspector misses an issue with the house?
What happens when the Realtor knows (or doesn't know) about an issue with the house?
What is the main case in Florida that discusses this issue?
Another week, another guest from Podfest Multimedia Expo 2018. This week's guest is Ryan Kairalla, an entertainment law attorney.
You can connect with Ryan:
Also check out the Break The Business Podcast, and Ryan's book, Break the Business available on Amazon, Audible, Apple Podcasts and other book outlets that don't begin with the letter "A."
The deadline to file your personal income tax return is in a few days. Therefore, in Episode 109, we talk with Craig Cody, who we met at Podfest 2018, about the 10 Most Expensive Tax Mistakes that Cost Business Owners Thousands.
You should use your CPA as a resource to plan for your business. And in that spirit, Craig is offering all of our listeners a gift. You can pick up Craig's book at:
On this week's episode, I talk about a recent case: The mortgage lender modified my client's loan and put the arrears at the end of the loan. Years later, the mortgage lender wrote off the debt and issued my client a 1099-C, Forgiveness of Debt, showing the home owner had phantom income. Sometime later, the client came to me to file a Chapter 13 bankruptcy. When the lender filed its claim in the bankruptcy case, the lender included the amount of debt previously forgiven!
The status of the law is unclear and states differ on the effect of issuing the 1099-C form (Florida hasn't made a decision as far as I know). How did we resolve the issue? If I gave it way in these notes, why would you listen to the episode?
If you file bankruptcy and your creditors try to pursue debt previously forgiven by a 1099-C, please contact me at Shawn@YesnerLaw.com or www.YesnerLaw.com.
This week's episode of the podcast is an interview with Dave Fulk and Frank Coto with Hello Alex.
Check out what Hello Alex can do at HelloAlex.io
Hello Alex is an Artificial Intelligence system to help Realtors communicate with their clients and prospects. Hello Alex helps Realtors convert leads over multiple platforms using Artificial Intelligence (text, FB messenger, Live Chat, etc.).
Christie is back for her fourth episode of The Crushing Debt Podcast. Bear with me this week, as I deal with some laryngitis.
Christie and I have discussed student loans, but in this episode, we're going to talk about consumer law - the TCPA (Telephone Consumer Protection Act).
The TCPA is designed to stop robocalling, and abuse or harassment of borrowers by creditors. Creditors can pay damages of between $500 and $1,500 PER CALL if they are told to stop making calls and cease to do so.
To contact Christie, visit her website www.ChristieArkovich.com or 813-258-2808.
We have a great guest to kick off Year 3 of content here at The Crushing Debt Podcast.
We met Mary Wheeler, of Abundant Wealth Solutions, at PodFest Multimedia Expo 2018 this past February in Orlando, FL.
Mary is a financial coach who holds local workshops, speaking to high school and college students about the dangers of debt. Mary's mantra is "Know debt, no problem!" and that makes her a perfect guest for The Crushing Debt Podcast!
What we found incredible was that Mary eliminated over $30,000 of debt in 96 days! Hear her story and her tips in this week's episode.
Mary can be reached at www.abundantwealthsolutions.com
In this week's episode of podcast (the last of Year 2), we talk about Property Tax Portability.
Applications to qualify your FL residence as your Homestead were due March 1, however what happens if you move from one primary residence to another?
Florida has a "Save Our Homes Cap" that prevents the taxable value of the homestead property from increasing by more than 3% from year to year. Previously, when the homeowner moved, they lost that 3% cap. In response, the Legislature enacted "portability" that allows the homeowner to carry with them (to port) their 3% savings from one homestead to another.
In this week's episode, we talk about bankruptcy cases that are DOA or Dead on Arrival - meaning a bankruptcy case that is dismissed within 6 months of being filed.
This week's episode is based on an article in the ABI Journal article written by Ed Flynn, a consultant with the ABI (American Bankruptcy Institute. You'll remember Mr. Flynn, who also wrote an article that was the basis for Ep 79, Chapter 13 Success Rates.
Today's episode reviews different factors that may cause a case to be DOA - or dismissed within 6 months. Some of the factors analyzed by Mr. Flynn include:
Filed pro se (without an attorney)
Filed jointly (by husband and wife)
A second or third filing
Filed without paying the filing fee
Filed "bare-bones" (without supporting schedules)
Involved real property
We discuss all of these statistics, as well as give our spin on Mr. Flynn's findings. If you want to see the article written by Mr. Flynn, please email me at Shawn@YesnerLaw.com.
This week, we have a returning guest - Michael Holmes with Delta Credit Restoration. Michael was a guest on Episode 94.
In this week's episode, we talk about Debt Negotiation, and the creditor's violation of debt collection laws. If you're being contacted by a debt collector, there are some things you can do to protect yourself.
To contact Michael, visit his website or call him at 813-567-5855
This week's episode is an interview with Attorney Carmen Dellutri, a Board Certified Bankruptcy Attorney.
Carmen can be reached via his website.
Or order his new book on Amazon: Are You The Next Success Story? Take Back Control of Your Finances
Email Casey Byrus: CByrus@DellutriLawGroup.com and let her know you listened to this show, Carmen will mail you a book for free !!
Carmen and I talk about creditor harassment and how you can use the bankruptcy laws and consumer protection laws to help eliminate their debts.
I struggled with whether to make Episode 100 something different, or business as usual with another Crushing Debt Topic.
I hope you enjoy this combination of the two ...
I take a look back at the topics we've covered and the guests we've interviewed, to get a sense of where we've been, and where we are, so we can produce great content for you for the next 100 episodes.
If this is the first episode you've listened to, Thank You !
If you've been a listener for the last 99 episodes, Thank You!
This is my podcast, but it is for you, so what topics do you want me to cover? What guests do you want me to interview? How can I help you eliminate those financial bullies in your life?
In this episode of the podcast we talk, again, to Christie Arkovich about student loan debt relief.
Did your parents co-sign for your student loan? Did your parents borrow money to pay for your education? Federal Parent Plus loans are exactly that, money that mom and/or dad borrow so their child can go to school. In most cases, the child has an agreement to pay back mom and dad, but this agreement has no impact on the Federal Student Loan and its repayment. So what happens if the child cannot pay back the loan, in other words pay back the parents? Unfortunately mom and dad are still on the hook to the loan company. Christie has some good suggestions to help ease the pressure on mom and dad.
Christie and I also talk about a new Fannie Mae program where the homeowner can borrow money secured by a second mortgage against their home, to pay off their student loans - basically converting student loan debt into mortgage debt. You'll hear why I think this is a HORRIBLE idea, and you'll hear Christie's take on Fannie Mae's offer to help student loan borrowers with this new loan product.
This week's guest is a returning guest from Episode 92 ("What's Your Relationship with Money?"). In this episode we discuss how to B.O.U.N.C.E. back from setbacks.
BOUNCE stands for:
Efficacy (having a sense of the ability to achieve or esteem)
In this episode we talk about how to change or overcome your beliefs. What are some of your beliefs in terms of money and overcoming set backs?
For those of you who want to visit the Yesner Law YouTube page, you can see a great out-take from our recording of this episode!
In this week's episode, we interview Michael Watkins with Tampa Bay Advisory, LLC.
Michael's company helps with tax incentive recovery - basically the ability to reduce a company's bottom line so that the company pays less taxes and makes more money. Most people know this as cost segregation, which is the ability to depreciate certain asset classes on an accelerated basis different than other asset classes.
You can contact Michael at MWatkins@tampabayadvisory.com, call him at 727-243-6467.