Chris Talks Money Show

Thank you to all those who have downloaded an episode, consistently listen in and to my guests.  For feedback, questions, or show ideas, please email me at cagonzalez2008@gmail.com.

**IMPORTANT The information provided in this podcast is the sole opinion of the host and guest.  Information from this episode should not be used as legal advice or consent of any kind.Join me as I chat with business owner Jeff Smith, owner of Arizona Firearms Instructors.  Jeff is a Firearms Instructor for Instructors and tells us not only about his business but discusses the reality of self defense and the business of basic firearms courses.  He is passionate about creating a culture with Instructors that fosters safety, education, positive influence, and understanding the skills necessary to train others.  Check out his site and sign up for a class!https://arizonafirearmsinstructors.com/

Israel Olvera runs Leo Production Company with his wife.  We discussed how a major setback can be transformative in building a business that puts family back on top and doesn't hold back business goals.  Israel shares his story leaning into his Christian faith as a guide towards healing and motivation to press on with his passion in the business.Israel Olvera602-635-6051connect@leoproductioncompany.comhttps://www.leoproductioncompany.com/https://www.facebook.com/leoproductioncompany 

Writing was always her passion since grade school.  Listen in to Jennifer's story about how she is taking leaps of faith in publishing her work.  Jennifer is a freelance writer currently in the process of publishing her work and building a site to showcase her writing.  Check out the link below to purchase the book and read her work "Taking a Hike" (page 303).  Chicken Soup for the Soul: Get out of your comfort zone: 101 Stories about Trying New Things, Overcoming Fear and Broadening Your Worldhttps://rb.gy/v3cfcThe Advice That Changed My Lifehttps://rb.gy/iorww*The Phoenix Business Podcast, nor myself, receive any monetary compensation for sharing these links.

Building a business takes perseverance but especially patience as Katie tells us in this episode.  Katie is the owner of FXB Anthem, a kickboxing group fitness concept located in Anthem, AZ.  Her journey began during the tail end of COVID lockdowns in December 2020 and culminated into opening FXB Anthem January 2023.  Her story is fascinating and sure to inspire.  Listen to the very end for the special she is running!Katie Lunde - Owner & Head Coach623-692-7084katielunde@extremebodyshaping.comwww.fxbanthem.comFXB Anthem3668 W Anthem Way Ste B-132Anthem, AZ 85086*Summer Special*3 Months Unlimited Classes3 Inbody ScansFree Gloves & WrapsWeekly Meal Plans1-1 Nutritional Guidance

Tanya is an entrepreneur at heart and can give testimony into the ups and downs of starting and managing a business.   She has a wealth of knowledge and wisdom and shares a high level view of embracing unexpected changes and how to understand personal growth as a process in building a business.  Our discussion was fun and enriching including a random side-bar into Chat GPT.  Enjoy!Tanya Hagrehttps://linktr.ee/tanyahagre 

Dr. Thuy Yath is the owner of Better Vision Eyecare in Anthem, AZ.  She tells her story about how her and her Husband, Scott, grew into becoming small business owners.  Dr. Yath gives testimony to the "why" she opened up shop and how she continues to build their business around her patient's care and needs.Better Vision Eyecare: Thuy Yath, OD4205 W Anthem Way Ste 101Phoenix, AZ 85086623-879-3937bettervisionaz.com

Wendy Davison is the owner of Rocky Mountain Consulting, a firm whose mission is to help schools, educators and administrators develop and maintain emergency preparedness in the event of a shooting incident at a school.  Our discussion covered several topics surrounding school safety in Arizona, how the safety of students must be understood and how parents and students can be active in preventing an incident from happening.Wendy Davison, M. Ed.Rocky Mountain Consultingrocky-mountain-consulting.comC: 406-690-3128wdavison.rmcllc@outlook.comSocial Mediahttps://www.facebook.com/rockymountainconsultinghttps://www.linkedin.com/in/wendy-davison-a7378980

Scott Zychowski is a 3rd generation Jeweler and Owner of his Father's local jewelry business in Anthem, AZ.  We sit down and discuss his business and the things that make his store special from the employees and the family's story to their pup Zoey, the unofficial store mascot.  Andrew Z's sells custom jewelry, diamonds, gold, watches, and performs repairs on jewelry & priceless heirloom pieces.  Listen in and enjoy!Scott Zychowskiandrewzdiamonds.com623-551-68923655 W Anthem Way C131Anthem, AZ 85086

Take a relaxing moment to listen in on my interview with Sawana Grimmett, licensed massage therapist and owner of Sal Spa AZ in Anthem, AZ.  She is in the process of opening a new health and wellness spa location in the Anthem area.  Sawana takes us on her journey and how she started her practice and built a good reputation in a local community. Sawana Grimmettsaltspaaz.comsawana@saltspaaz.comCheck out her website to book an appointment!

One of my favorite hobbies is being outdoors and hunting.  Today I have Eli Grimmett on the show sharing his business and what he does.  He is a professional hunting guide in Pronghorn for Arizona, New Mexico, & Wyoming.  Eli gives us insight into his business and the records he has helped his clients reach.  His contact information is below:Pronghorn Guide Servicehttps://www.pronghornguideservice.com/Eli Grimmett - 602-828-0731eli@pronghornguideservice.com

There is a stigma with Reverse Mortgages.  Given that Phoenix is a top market for Homeownership, especially for Seniors, it's fitting that we discuss how they can be used and leveraged for retirement.  Mark Atkinson only works on reverse mortgages and breaks down myths for us to understand this product. Mark Atkinson NMLS 1959967 Reverse Mortgage SpecialistCell 818-414-4520 Mark.Atkinson@FairwayMC.comLEGAL Copyright©2023 Fairway Independent Mortgage Corporation. NMLS#2289. 4750 S. Biltmore Lane, Madison, WI 53718, 1-866-912-4800. All rights reserved. This is not an offer to enter into an agreement. Not all customers will qualify. Information, rates, and programs are subject to change without prior notice. All products are subject to credit and property approval. Not all products are available in all states or for all dollar amounts. Other restrictions and limitations may apply. Fairway is not affiliated with any government agencies. Equal Housing Opportunity.  Fairway is required to disclose the following license information. AZ License #BK-0904162; CA: Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act, License No 41DBO-78367. Licensed by the Department of Financial Protection and Innovation under the California Financing Law, NMLS #2289. Loans made or arranged pursuant to a California Residential Mortgage Lending Act License.; Georgia Residential Mortgage Licensee #21158; For licensing information, go to: www.nmlsconsumeraccess.org; MA Mortgage Broker and Lender License #MC2289; NV: Licensed Nevada Mortgage Lender; NJ: Licensed by the NJ Department of Banking and Insurance; NY: Licensed Mortgage Banker-NYS Department of Financial Services; Rhode Island Licensed Broker & Lender; VA: Fairway Independent Mortgage Corporation NMLS Entity ID #2289(http://nmlsconsumeraccess.org/EntityDetails.aspx/company/2289); REVERSE MORTGAGES Fairway is not affiliated with any government agencies. These materials are not from HUD or FHA and were not approved by HUD or a government agency. Reverse mortgage borrowers are required to obtain an eligibility certificate by receiving counseling sessions with a HUD-approved agency. Youngest borrower must be at least 62 years old. Your monthly reverse mortgage advances may affect your eligibility for some other programs. At the conclusion of the term of the reverse mortgage loan contract, some or all of the equity in the property that is the subject of the reverse mortgage no longer belongs to you and you may need to sell or transfer the property to repay the proceeds of the reverse mortgage with interest from your assets. We will charge an origination fee, a mortgage insurance premium, closing costs or servicing fees for the reverse mortgage, all or any of which we will add to the balance of the reverse mortgage loan. The balance of the reverse mortgage loan grows over time and interest will be charged on the outstanding loan balance. You retain title to the property that is the subject of the reverse mortgage until you sell or transfer the property and you are therefore responsible for paying property taxes, insurance, and maintenance and related taxes. Failing to pay these amounts may cause the reverse mortgage loan to become due immediately and may subject the property to a tax lien or other encumbrance or to possible foreclosure. Interest on reverse mortgage is not deductible to your income tax return until you repay all or part of the reverse mortgage loan. This is not an offer to enter into an agreement. Not all customers will qualify. Information, rates and programs are subject to change without notice. All products are subject to credit and property approval. Other restrictions and limitations may apply. Equal Housing Opportunity.

Jake Miller is from Georgia and moved to Phoenix 8 years ago.  Our discussion opened up his story in coming to Phoenix, building a business, and developing passive income.  Since moving to Phoenix, he has built a lifestyle that affords him the opportunities to travel extensively and work from anywhere.  Listen in to hear more.Jake Miller - 912-381-9317Digital Marketing AgencyJake@stokestoke.comhttps://stokestoke.com/

Tamara Clark is the Executive Director of the Anthem Area Chamber of Commerce.  We sit down and discuss how businesses can leverage professional groups like a chamber of commerce for their businesses.  We also explore the value a chamber organization brings to a business and the overall community.  Learn more about Tamara and her role as Executive Director.  If interested in more information about the Anthem Area Chamber of Commerce or joining the chamber, visit their website https://www.anthemareachamber.org/.  Tamara Clark  623- 322-9127tclark@anthemareachamber.orgKristine Abrams Petersmanmemberservices@anthemareachamber.org

Today I chat with my good friend Krys Ziolkowski.  Krys is the owner of A-Zed Taxes, a small business in the Valley that specializes in helping families and individuals file their personal and business income tax returns appropriately.  In this episode, we highlight the opportunity that came Krys' way in the tax preparation world and how he has built a business from the ground up.  Krys discusses the emotions and unplanned events that led him to the business he practices today and the exciting opportunity this industry offers Millennials and Gen Z'ers for the future.Listen in to hear more!  For additional information on Krys and his services, visit azedtax.com or reach him by calling 623-570-8559, krys@azedtax.com

Listen in to hear of the new changes as we head into the NEW YEAR 2023!

In this episode we take the time to explore why Buying a Home, even in today's high interest rate environment, is a long-term solution for things like fixing your monthly expenses, building wealth, and having a place to live.  Listen in and send me your feedback!

I sit down with Jay & Maria, owners of L'Entrata Wine Bar in Anthem, Arizona.  We discuss wine and the behind the scenes of how L'Entrata was established.  Jay & Maria share some insights into their dedication to getting the place up and running and the next stages of their growth.lentratawine.comhttps://www.facebook.com/lentratawineaz/https://www.instagram.com/lentratawine/?__coig_restricted=1L'Entrata Wine Bar41111 Daisy Mountain Dr Anthem, AZ 85086623-248-1727info@lentratawine.com 

Today, I discuss the state of the Phoenix Housing Market and compare the recession of 2008 to today.  Spoiler alert, there is no housing crisis or crash, but why that is the case is what we explore.For more information or to discuss getting pre-qualified for a New home or refinance, reach out to me at cagonzalez@loandepot.com or give me a call at 480-442-4494.

In this episode, I explore the possibility of recession and how that will affect Homebuyers in the future.  I also go deeper in unraveling the mistakes Homebuyers are making in this market and how they can capitalize on the opportunity to own a home now.Chris Gonzalez NMLS 669924cagonzalez@loandepot.com

I sit down with Max today and discuss Land Acquisition and Residential Real Estate Development.  We go into details about how this kinds of transactions occur and what the process is like.  We also dive into this emerging Residential Single Family Construction rental market and regional water issues the Valley of the Sun is contemplating.  You must listen to this talk!Massimo (Max) Sommacampagna623-556-7706sommacampagna4@gmail.comhttps://giffordgroves.com/employees/http://www.resomma.com/aboutus/

Kicking off the New Year I sit with Jeff Huff, Maja Tatar, and Chuck Finzer to discuss being a Real Estate team, how the consumer benefits whether Buying or Selling a home.  We also dive into today's market and what to anticipate in our local real estate market.  The differences of the 2008 housing crash and today.  Listen in to learn something new and find out what kind of ice cream we enjoy!Jeff Huff - Realtor, Berkshire Hathaway Home Services Arizona Propertiesjeffreyghuff@gmail.com480-888-6361Maja Tatar- Realtor, Berkshire Hathaway Home Services Arizona Properties602-332-0270maja@tatarrealty.comCharles "Chuck" Finzer- Realtor, Berkshire Hathaway Home Services Arizona Properties602-908-4424charles.finzer@bhhsaz.comChris Gonzalez - Loan Originator, NMLS 669924, loanDepot.com, LLC480-442-4494cagonzalez@loandepot.com

Are you self-employed?  Just started a business?  Listen to this episode to learn how what is takes to buy a home.cagonzalez@loandepot.com480-442-4494

Sitting down today with Chuck Finzer, Tallest Realtor in Anthem discussing the market, ibuyer market, and homebuying in 2021.  We also take a glance at the future outlook of housing.Chuck Finzer - Berkshire Hathaway Home Services602-908-4424charles.finzer@bhhsaz.com

These are the top things I recommend to Homebuyers in this market.  If you want to discuss further shoot me a message at cagonzalez@loandepot.com.

In today's episode I discuss the new trends in homebuying and the market update for Q3 2021.  We are in a New Economy with regards to housing.  How we measured the recession of 2008 is not how we measure the current housing market.For feedback, questions, or additional discussion, email me at cagonzalez@loandepot.com or call 480-442-4494.

I sit down with special guest and Real Estate Agent Erika Hanson who shares her story about Real Estate Investing; what she learned along the way and what prospective Real Estate Investors should consider when buying their first investment property.Erika Hanson erika@trurealty.com

I sit down with Sales Manager Josh Leary of loanDepot.com LLC and we talk shop about the mortgage and Real Estate market in Phoenix.

Taking things outside the box, today I sit down with Jacob and discuss perspectives related to technology, finance, education, and homeownership.  Listen in on this discussion to learn how the next generation sees the world.

Today, I discuss some challenges First-time Buyers are encountering and trying to buy a home.  I continue to discuss tips they can consider when negotiating offers.

In this episode I share some points and questions about what a personal housing or financial bubble could look like for someone.  Two important questions are discussed: Will my current spending withstand a recession and Can my employment or income withstand a recession?  Listen in how the discussion!

If we truly wish to honor our Veterans, we cannot be selective about it.  In this episode I discuss some misconceptions about VA home loans and why Veterans deserve their VA home loan benefit.

Today, I go deeper and give you an inside look at my top mistakes as a loan originator.  From each mistake, I've learned what not to do, making sure I am giving my clients the best shot at success with their mortgage loan.  Follow me on Facebook @yourneighborhoodlender.  Instagram your_neighborhood_lender 

PMI (Private Mortgage Insurance) is a helpful tool when purchasing or refinancing a home.  Listen to learn what it is, how it works, and the benefits of having PMI.

Most Americans cannot afford an unexpected $1000 expense and most unexpected expenses will average $3500.  In this episode I discuss savings and retirement as an opportunity to prepare for your financial future.

A discussion about the questions consumers should consider asking and vetting when choosing a mortgage lender to work with.  Great look at empowering the consumer.

Have you wondered about a housing bubble?  I discuss the Phoenix real estate market and why there is no bubble in housing going into 2021.  In fact, conditions suggest a lot of growth coming to the Valley!  

Jeff and I dive into the Phoenix real estate market going into 2021 and things that Buyer's must think about in order to be successful in getting accepted offers.

I am excited to share 3 common Homebuyer objections when I first work with First-time Homebuyers!  In this episode I breakdown where these objections come from and how we overcome them or simply educate clients with getting pre-qualified.

My first episode!  Here I take you through a discussion about the Homebuyer Mentality and thinking when it comes to making your decision to purchase your first home, second home, or move up home.  We discuss steps and the logic of the pre-qualification process for getting a mortgage loan.