Real Estate Talk

Want to sell your house this spring but not sure where to begin? Here's a quick tip to help you get your house ready for this springs selling season. #GoZelda. www.GoZelda.com

Women need and want financial freedom. Learn what it takes to get into the financial industry. hear what you should do now at any stage in life to set yourself up for retirement and get yourself out of debt. Dr. April Murdaugh shares how she studied how to get out of debt by educating herself. She shares some of the struggles and fears people have in planning for their financial future.

Moving to a new location can be stressful. Finding the perfect new hair stylist doesn't have to be stressful. Hair Stylist Janette Morilli shares tips on how to find your new stylist. Janette has been a stylist for over 13 years and services Northeast Florida clients.

Professional organizer Barbara Trapp of Zen Your Den shares valuable ideas to help you get rid of clutter and unwanted items. Barbara is a certified organizer and coach. Her companies Zen Your Den and Zen your Biz will help you organize your space to be most efficient.

Constant clutter? Paper everywhere? Time to organize! Professional organizer Barbara Trapp shares tips to organizing your home and office. Barbara's company is Zen Your Den and Zen Your Biz.

show notes

As a newly single woman buying her first home Manisha Joshi shares her experience using the realtor that realtor.com had linked to their site. She shares the struggles and frustration from lack of communication and follow up throughout the entire process. We reviewed her experience and talked about what could have made the home buying process so smoother and less stress. If you're a Realtor tune in to learn what not to do when building your business relationship.

TIPS FOR COMMERCIAL TENANTS Time Out Sports Grill Owner Matt Harris shares his views and advice when opening a business and working with the Landlords. Starting out thinking Matt would be an attorney he realized immediately that was not his career path. Matt always wanted to be an entrepreneur. He just needed the right opportunity. Finding a bar for sale he knew he could make a positive impact in creating a profitable business. Please be sure to subscribe to the show if you haven't already. New episodes released Tuesdays and Thursdays. ENJOY THE SHOW! [2:27] How it all began [3:30] The idea of owning your own business [4:35] Create Fun [5:00] Process of purchasing an existing business [6:00] Finding Money to open a business [7:00] Commercial Lease [9:48] What does the tenant pay for in maintenance [10:30] Inheriting an existing lease [12:25] Build out the interior space [13:00] Creating a new concept [14:10] City zoning and code requirements [16:00] New construction [16:25] Partners [17:35] The Rewards [18:23] Hiring Right [19:00] Growth [20:25] Advice to entrepreneurs QUOTES "Taking over existing commercial space and the lease they're many lessons to learn". "Building a new business in a new location brings about a new set of challenges to navigate". "When all is said and done the rewards of entrepreneurship will out-weigh the negatives".

This week we join Mark Goldwich in a conversation about what to do if your home has damages. Mark, CEO of Goldstar Adjusters shares what homeowners need to know for getting the most from your insurance claim!

On today’s episode of Real Estate Talk with Zelda I speak with Marjie Rogozinski. She speaks with us today about Frankie, her Therapy dog and really what it takes to become a Certified Pet Therapy Animal. Therapy Animals visit hospitals, courthouses, airports, hospice patients, and deliver patients and staff members comfort. Marjie talks about getting your pet Certified with real credentials not on-line scam certifications. She tells us what its like to take the pet into a hospital setting and the qualifications needed to bring your therapy pet into those hospital settings to meet with patients and staff members. We talk about the different types of therapeutic animals like Service Pets, Emotional Support Pets, and Therapy Pets. Marjie and I address Fair Housing when it comes to having these special animals. Join our lively discussion. On This Episode: [2:18] The Beginning of their journey [4:10] Certification Programs [5:15] What a Therapy Dog Does [6:10] Getting Access Into The Hospital [7:14] Types of Therapeutic Animals [8:48] Process To become Therapy Dog [14:25] Frankie the Heat Patient Dog [17:25] Does Your Dog Have What it takes [18:28] Keep Your Pet healthy [19:40] Fair Housing & Good Citizenship [21:00] Where Therapy Animals Can Give Comfort [22:19] Pet Partners Certification [25:00] Bringing Joy PLEASE ENJOY THE SHOW!

This weeks Real Estate Talk Shout Out Thursday is none other than Vickie Zelen of Zelen Risk Solutions.

What a Realtor does for You On this weeks episode of Real Estate Talk with Zelda....What does a realtor REALLY do all day. It only just begins once the sign is in the yard. After that the real work begins. While it may seem your agent isn’t doing much this episode exposes what’s really going on behind the scenes. There’s a lot that goes on to et a house from listing to a closing and this episode will help you understand the tasks it takes to get a house sold. Enjoy the show! IN THIS EPISODE: 1:40 Brief Overview 2:38 Meeting The Customers Needs 4:00 Research 4:40 Appointment Scheduling 5:56 Negotiation 6:56 Who is at the Closing 7:49 Things go Wrong 8:23 How Realtors Get Paid 8:46 Marketing Your Home 10:43 Follow Up 11:19 Inspection & Repairs 11:57 Final Walk Through 12:03 Adjustments & Changes 12:45 Agent Feedback 13:10 Seller Disclosure 13:30 Qualifying Buyers 13:50 Details 14:15 Free Report CONTACT: Website: www.gozelda.com Phone: 904-524-5053 Email: zelda@gozelda.com

Howard Sutter real estate attorney is our shout out for this week on Real Estate Talk with host Zelda Greenberg.

On this episode of Real Estate Talk I am having a conversation with Amanda Kinkade. She is a broker within the commercial real estate space. I am excited to be speaking with Amanda today about the commercial side of real estate and jump beyond the borders of residential real estate. Amanda has her own commercial real estate company called Kinkade Commercial Real Estate. She has had the company for about two years now. Prior to working in the commercial space, Amanda worked in the residential space. During this episode we’ll discuss that transition and what it was like walking into a world that is historically male-dominated. Today we will also chat about leasing and sales, the importance of patience and renting vs buying as a business owner. Amanda has done both leasing and sales and has a great deal of knowledge that she shares with us. If you’re looking to purchase space for your business, make sure to consider that you need to be in business for at least two years and have financial documentation showing gain, not loss. Amanda will also give us insight into the benefits of using a commercial broker, trends in office space, legal zoning and how build out works. Enjoy the show! IN THIS EPISODE: [1:12] How Amanda got involved in commercial real estate [2:24] Switching to commercial real estate [3:50] Having patience and persistence [4:20 ] Leasing vs sales [6:18] How sales are looking right now [8:00] Renting and buying as a business owner [8:31] Preparing to purchase business space [10:57] Zoning problems [11:25] Benefits of using a commercial broker [13:14] What’s happening to shopping centers [15:28] Trends in office spaces [18:00] Legal zoning [18:52] How build out works [19:57] Length of time for a typical lease CONTACT: Website: kinkadecommerical.com Phone: 9046356376 Email: amanda@kinkadecommercial.com QUOTES: “It’s really like speaking a different language when you get into commercial real estate.” “Leasing can be just as lucrative and fun as a sales deal.” “You can’t live without your computer now.” “Never forget that you can negotiate.”

show notes

On this episode of Real Estate Talk I am having a conversation with Kim Bomberger about home life. We’ll dive into ways to make your home life really spectacular. Kim is a fantastic photographer and premiere woman’s photographer. She’s known for her timeless portraits. Kim has been recognized various times and received many awards for her work. During this episode, Kim and discuss how she created a legacy wall in her home and how you can go about doing the same. If you’re thinking about what to do with all the walls in your home, this episode has tons of tips and tricks for you. In a digital world it’s easy to snap and post photos but what are you actually doing with your photos? Where would your photos be if something happened to social media. There’s a real benefit to producing print photos to have in your home and share with your family. Kim gives great advice on how to incorporate photography when decorating your home. We’ll also talk about Kim’s 50 over 50 and dive into her best advice for organizing photos and best utilizing your photos. Kim is a big fan of photobooks and shares how she utilizes them in her own life. Beyond that we dive into discussion around how to take a good photo, unifying the look when taking a group photo, how to take great photos simply using a phone and how to get the best angles. When it comes to photography, Kim is a powerhouse of knowledge and expertise. Memories are precious and photography is a great way to capture and share a moment. Don’t miss this beautiful and great moment I shared with Kim. Learn more on this episode of Real Estate Talk with your host Zelda. ENJOY THIS SHOW! IN THIS EPISODE: [2:06] The benefits of having printed photos opposed to virtual photos [4:02] Storing photographs so they don’t go bad [5:10] Deleting multiples [6:52] Identifying photographs [7:40] Best way to display pictures in your home [7:50] Creating a legacy wall [9:33] Creating photobooks [15:00] Putting pictures on the wall [16:05] Unifying the look [17:34] How to take a great photo with your phone [18:20] Getting the best angles [21:35] 50 over 50 CONTACT: Website: kimbomberger.com Email: kim@kimbomberger.com Phone: 904-514-8350 QUOTES: “What I have created in my home is a legacy wall.” “You kind of want to match the tones.” “Your babies don’t care what size jeans you’re wearing. They want to have pictures someday and say this was me and my mom.”

On this episode of Real Estate Talk I am having a conversation with an awesome entrepreneur, Pixie Larizza. She is a native of Jacksonville, Florida. Pixie does holistic counseling and is a relaxation expert. She is also a certified color expert. An interesting fact about Pixie is she never wears plaid. Pixie’s dream has been to become an entrepreneur since she was 11 years old. She never wanted to be fired so she wanted to own her own business. Pixie now owns several business including Art You Wear and Pixie Glas. You’ll find her work in high end gift shops. It truly is one of a kind art. In addition, she works with clients in the healing arts therapy including aroma and energy therapies. Today we are talking about how to create a happy, harmonious home life. We’ll cover topics from meditation to so much more. Learn more about smudging, creating a space that feels good and all things holistic. Holistic means we are greater than the sum of our parts. Pixie loves and really resonates with word holistic. Pixie’s work all started and began to evolve from her getting her first massage at the age of 26. She is passionate about establishing a space full of good energy. It’s important to consider the energy of all the people that built this structure, especially when moving into a new home. That energy doesn’t go away. When someone moves into new home, smudging can be helpful. Burning sage and white cedar can help cleanse the air and the ground. Gain more insight and great tips from Pixie in this episode of Real Estate Talk. Enjoy the show! IN THIS EPISODE: [2:55] How Pixie got into holistic healing [3:58] Learning and surrounding yourself with like-minded people [4:17] Looking at root causes [4:39] Creating a zen home [7:06] What goes along with smudging [8:17] Creating a space just for yourself [11:14] Enjoying the backyard [13:25] Getting outside and connecting with nature [14:00] Letting things unfold [21:36] Spirit and energy in the home [23:33] Coming home to a resort CONTACT: Website: pixieglas.com Email: pixie@artyouwear.net QUOTES: “Holistic means we are greater than the sum of our parts.” “What works for me might now work for someone else.” “What looks good in your old home won’t necessarily fit in your new home.”

Today we give a shout out to Golden Dog Title & Trust for awesome help in getting a closing closed with a last minute snafu. Golden Dog y’all Rock!

On this episode of Real Estate Talk I am having a conversation with Lisa Andrews. She is with Golden Dog Title and Trust. We’ll be discussing what’s required to get your property from a contract to a closing table. I’ve known Lisa for four or five years know. She’s incredibly resources regarding title insurance. Lisa has 20 years of experience with title insurance. She also has a background in mortgage and banking. Now she is the Director of Sales for Golden Dog Title and Trust. Lisa excels at giving customers a professional level of service. She has a long list of awards and accolades. Lis has been in Jacksonville since 2005and loves to travel and spend time with her friends and family. During this episode, Lisa and I discuss a variety of subjects. Lisa provides insight into the world of insurance, sharing what the role of a title company is, how to determine who to hire, what exactly title insurance is and why it’s need, who typically pays for title insurance and so much more. We also talk about wire fraud, title commitment and customary fees. For all the insurance insight make sure to check out this episode of Real Estate Talk with the Lisa Andrews. It’s definitely one you don’t want to miss. Enjoy the show! IN THIS EPISODE: [2:25] What’s on Lisa’s bucket list [3:10] How Lisa got into insurance [4:32] What role does a title company play in a real estate transaction [6:27] Determining who to hire [9:10] What exactly is title insurance and why do we need it [11:40] Who typically pays for title insurance [12:55] Do you need a survey [14:55] Why you should have an insurance policy [16:20] Wire fraud [20:51] What is title commitment [22:50] Customary title fees [26:52] Delays in closings CONTACT: Website: goldendogtitle.com Phone: 904-476-1966 QUOTES: “The title companies role is to guide you into the closing process and get you from the table into your new home.” “If you live in a CDD those are paid current.”

Show Notes

On this episode of Real Estate Talk I am talking with a local celebrity, Wally Conway. Wally is the owner of Home Pro Inspections. He is everywhere, including HGTV where he is a featured expert on a show called House Detective. Wally is also the co-host of the Do It Yourself network series called Finders Fixer and weekly host of the Home and Garden Show. In addition, Wally also has a book called Home Inspection Secrets of a Happy Home Inspector. That’s just a snippet of Wally life. To date he has inspected over 5,000 homes. Since starting in 1994, the industry has changed quite a bit. For starters, the use of technology had vastly transformed. Reports use to be hand written and a flash light was the basic tool used to complete an inspection. Now drones and infrared cameras are commonly used. Not only has technology changed, but the expectations of customers has also changed. Back in the 90s, you typically had to explain to someone what an expectation was. Now people’s expectations are way higher, sometimes unattainable. It’s impossible to see what’s invisible and it’s also impossible to predict the future. When it comes to hiring an inspector, there are certain questions you should be asking. The most important and first question you should ask is “what is your limit of liability should you be negligent and miss something?” It’s important that a homebuyer is protected. During this episode, Wally and I talk about a variety of topics, including the importance of pre listing inspections. It’s proven that a pre listing inspection makes you more money, saves you more money and negates potential seller issues and surprises. We also talk about Wally’s story, how he got into inspections, the best way to hire a home inspector and what’s next for Wally and Home Inspection Pros. ENJOY THIS SHOW! IN THIS EPISODE: [1:43] How Wally got started in home inspections [3:56] Difference in home inspectors when Wally got started compared to now [5:07] What separates home inspection companies [5:37] Technology that is in place now [8:00] Having experience and an open mind [8:41] The best way to hire a home inspector [9:55] The limit of liability [11:23] Pre listing inspections [12:20] What Wally does differently [13:33] The difference between a home inspection and four point inspection [18:51] Having home inspections on new homes [20:10] What’s next for Home Inspection Pros [21:46] Wally’s book [22:36] Goofiest thing Wally has seen CONTACT: Website: gohomepro.com QUOTES: “If you want it, we can do it.” “After 35,000 home inspections, one out of every three to four hundred customers has some issue or complaint after the fact.”

Greg Brooks – House Flipping or Flopping In this episode, Greg Brooks joins in to discuss flipping houses. First, he learned the ins and outs of mortgages. Then one day, a guy called him and said he knew about a relationship Greg had with the bank. His first flip was sold to a guy he didn’t even know, and he was called to help him negotiate with the bank. Later, the guy called back saying he was ready to do it again. Right now is the most dangerous time to get into this industry. The margins are very thin because the wholesale side has become extremely expensive. Real estate is all about location, and this is what Greg looks for when buying a house. You also have to look at some other factors like the exterior of the home. If the exterior of the home is unkempt, you can assume the inside of the house is even worse. Days of buying homes on auction websites are done. Greg uses cash on hand to purchase a home he is going to flip. If you are using a private investor or another source of money, be cautious that you are not spending too much in interest. On average, Greg is working on twelve to fifteen homes at any given time. When Greg first started in the late 90s, there were a lot more mobile homes on the market. If the mobile home is not too old, you can get a decent return on a flip. Greg has crews that work exclusively for him, and some that work for him part-time when needed. Occasionally, they build homes from scratch; however, there is a lot of competition in this, and the expenses are enormous. The hardest part of rehab is the unknown. Greg suggests not buying a home that is going to be a lot of work. Light rehab is what a house flipper should be aiming for. For instance, changing out light fixtures, vanities, and painting. The goal is to make money. If you are tearing out bathrooms and completely redoing them, then your return may not be as high. The most expensive room in the house to rehab is the master bathroom. Sometimes plumbing will need to be moved, and that can be an expensive and lengthy endeavor. Greg buys houses 1980 or newer because the plumbing and electrical wiring are old and out-of-date if it was built before then. Enjoy the show! IN THIS EPISODE: [01:45] How Greg began flipping houses [06:15] Determining what house to buy [08:25] Investing using another person’s money [10:35] Purchasing seasonal homes [11:30] Mobile home side of the business [13:45] Building homes from scratch [15:00] Don’t buy anything that is a lot of work [17:05] Average length of a flip [20:50] Today is the wrong time to get into house flipping [22:55] Greg’s most challenging flip [25:15] Advice for newbie flippers QUOTES: “You don’t make money when you sell a house, you make it when you buy it.” “The most expensive room to rehab is the master bathroom.” “I try and stay 1980 or newer.”

Vicky Zelen - Zelen Risk Solutions In this episode, Vicky Zelen of Zelen Risk Solutions is here. She is an expert at writing property and causality insurance. Zelen Risk Solutions will analyze your business and hand-select the very best coverage for the very best rate. As your independent insurance agent, they will service your account with a personal touch most insurance agencies are either unable or unwilling to provide. Whether you need business or personal insurance in Jacksonville, Florida, they have you covered! Keep hurricane season in mind. A homeowner should have flood insurance, even if you are not in a flood zone. Of course, you want to have homeowner insurance. When a hurricane is en route to your area, insurance companies shut down, and you will not be able to add any type of coverage to your plan. Call your agent now, review your insurance coverage, and look at your hurricane deductible. More and more insurance companies are adding flood onto homeowner insurance; you will have only one deductible and it will all be on one policy. If you want to get flood insurance through the National Flood Insurance Program, there is a thirty-day waiting period. Some items that may not be included with your insurance is getting a hotel when you need to evacuate, food spoilage, and falling trees. The insurance company will not pay to have those trees cut or moved at all. Also, insurance companies do not hold you responsible if a tree on your yard falls and damages your neighbor’s home. If you want to, you can cut your tree at your property line and only handle the part that is on your property. A massive misunderstanding about insurance is the water damage clause. Any rising water is considered a flood. It can be a retention pond that rises and damages your property. If a pipe bursts in the home, it is considered water damage coverage. Some people have it with their insurance, and others do not. In addition, if a contractor is in your home and you get injured, or there is damage, make sure you have their general liability insurance. Do not ever sign an “Assignment of Benefits” from a contractor. It means you are signing over your rights as a homeowner to the contractor. The last piece of advice Vicky wants us to know is the most essential coverage you can buy is uninsured motorist coverage. A lot of people in the state of Florida are hitting and running. If anyone gets hurt in a hit-and-run, your uninsured motorist coverage will cover your family. Enjoy the show! IN THIS EPISODE: [01:00] How Vicky started her career in high school [02:20] Hurricane season – what type of insurance do you need? [04:50] Who is responsible when a tree falls in your yard? [10:35] Look at your hurricane deductible carefully [12:40] Water damage coverage [16:10] Some contractors are scam artists [18:55] Vicky does not recommend third-party adjusters [20:10] Wind damage [22:05] Get the email address of your claim’s adjuster [26:20] Questions you should ask potential insurance agents [29:40] Identity theft and cybersecurity CONTACT VICKY: Website: http://zelenrisksolutions.com Call: (904) 262-8080 Email: vicky@zelenrisk.com QUOTES: “You want a one percent hurricane deductible if you can get it.” “If you have any problems with your claim, your agent needs to be helping you.” “You have to have proof of what you own.”

In this episode, Len Johnson discusses what an appraisal is; an appraisal is one person’s opinion but is based on specific guidelines. Appraisers do not take figures out of the sky; they figure in square feet and other amenities. An appraisal will give you the market value, getting your home pre-appraised will ensure you are getting the correct value. You do not want to list the house too high or too low. Realtors are excellent at marketing, but not at valuation. Your appraiser will know what the homes around your area have sold for. For example, Len did an appraisal, and the homeowner did not understand why her house was not worth the same as her neighbors. After Len’s appraisal, the homeowner found out that her home was 400 square feet smaller than the others. Most realtors get the listing price wrong; they are surprised at the square footage adjustments and pricing with the comparable. Realtors never drive by the comparable and do not know how to make the adjustments. Also, realtors tend to listen to the homeowner, and the homeowner always thinks their listing is worth more than it truly is. Then, Len gives examples of how to add value to your home. For instance, Len says a homeowner had grapevine wall border in their kitchen. Len explained the wall border was not what people are looking for, you want to make your house most presentable to the largest selection of potential buyers. Another homeowner mistake was when every room in the house was painted grey. Later, Len explains what a purchase short is. A purchase short is when a home is under contract, and the appraisal comes short of the contract price. The appraiser knows what the contract price is before appraising. If you believe the appraisal is wrong, there is always the option to rebuttal and get the home looked at again. The bank is the final decision on what the appraisal will be. If the bank feels that the appraisal is not correct, they can review it with another appraiser who may or may not come up with their own value. Len does reviews, he goes through the entire appraisal and often comes up with a completely different value. Another option is to get a new appraiser. Enjoy the show! IN THIS EPISODE: [02:30] Getting your house pre-appraised [05:25] Most realtors get the price wrong [09:00] Getting more value for your home [11:45] Len reviews appraisals from across the country [15:50] Rebuttals are for refuting the appraisal [19:20] The housing market peaks and drops [22:45] FHA guidelines [26:30] Tell the appraiser about upgrades and replacements CONTACT LEN: Website: https://www.johnsonappraisal.com Call: 480-782-9291 E-mail: johnsonappraisalgroup@gmail.com QUOTES: “Sometimes realtors do not want to tell the homeowner what they really think the value is.” “If the appraiser is unwilling to change, the ultimate final decision is always the bank.” “The bad part of new construction is it will set the upper limits of the market.”

In this episode, Christy McCarthy joins the show to discuss interior design and decorating services. While working on her undergrad in business, Christy started to dream of utilizing her roots and inspiring people through making a house a home. She switched her degree to interior design and attended the Harrington School of Design in Chicago, IL. In 2006, Christy started her business Interiors Revitalized in Jacksonville, FL. This is where she has had the enjoyable experience to bring her humble beginnings to people of all walks of life. One of the biggest mistakes people make when home staging is painting and decorating based on personal preference. People do not want a job when they buy a house, they want it to be move-in ready. Floors and walls are the most significant aspects people look at when purchasing a home. Carpet is no longer on trend, so Christy suggests sticking with the wood look for flooring. Depending on the price of the home, you may want to get the wood look on every surface of the home, including the bedroom. Another tip for staging the home is to make everything look brand new. For instance, adding mulch, power washing the home, and painting the door will make things look fresh and ready for a move-in. Then, Christy explains the difference between interior design and staging. Interior design is all about you and what you want to look at when you come home for the day. Staging is budget friendly, and you want it to be something that can be pleasing to everyone. Christy says to remove family photos from the wall, declutter, and make small purchases for things that could be used in the future. The must-do rooms for staging are the rooms that get used most. Master bedrooms, kitchens, dining spaces, and bathrooms are essential. Guest bedrooms and formal dining rooms are not necessary for staging, but many people opt for it. If you have a unique space, staging will make it come to life. Staged homes get sold for more than homes in the neighborhood that were not staged. Interiors Revitalized pride themselves on being budget friendly and requiring a minimal investment to stage your home. Enjoy the show! IN THIS EPISODE: [02:00] Stray from personal preference and keep up with the trends [06:15] Make everything feel brand new [09:20] The difference between interior design and staging [12:05] Should you purchase furniture for home staging? [15:30] Must-do rooms for staging [17:45] Homes sell faster if they are staged [20:15] Questions you should ask a stager [21:30] Getting what you pay for CONTACT LEN: Website: https://interiorsrevitalized.com Call: (904) 625-2214 E-mail: christy@interiorsrevitalized.com QUOTES: “Who wants to take down wallpaper? It could be a huge hassle.” “We charge a flat fee to bring in accessories and jazz up the home.” “We pride ourselves on being so budget-friendly.”

Kim Stanley Insurance and Financial Services, Inc. In this episode, Kim Stanley discusses the broad range of insurance and investment programs provided by her business, Kim Stanley Insurance and Financial Services, Inc. Kim reveals how to find the right insurance and financial consultant. Sit down and ask what their experience level is with and if they are using it themselves. If the person can explain their financial plan, then you know they are following the same guidance they are suggesting. Everyone gets duped. For example, Kim signed papers with a gentleman to turn over all of her brokerage accounts. Later, Kim did a FINRA report search, and she learned how he had a lot of judgments against him and was currently in bankruptcy. Most people would not want a financial consultant who is in bankruptcy! The first products a young person should buy are life insurance and mortgage protection insurance. This is term insurance, as you pay down your mortgage, the death benefit decreases even if the cost of the mortgage stays the same going forward. It is in your best interest to shop it and use a true broker. This way, the survivor who inherits the asset will have options to choose from. Another insurance Kim recommends is disability insurance, in the event something happens, and you are unable to work, it will give you a pot of money until you can get back up on your feet. If you are never able to get back on your feet, it will get you through until social security kicks in. Then, Kim explains how to use your Roth IRA as an insurance policy. It can be a slush fund throughout your life. The government says you can put away a certain amount of money, and after five years of contributing if anything happens in your world, you can get into your Roth IRA penalty-free and without taxes. Your slush fund can be invested in the market or sit in a bank account. If you are invested in the market, you can use that money how you chose moving forward. After age 59.5, everything in there is 100% tax-free. Later, Kim advises on writing your will, setting up a trust, and taking care of pets after death. Enjoy the show! IN THIS EPISODE: [02:15] How Kim began her insurance journey [03:25] Finding the right consultant [05:50] Purchasing life insurance and mortgage protection insurance [08:20] Disability insurance [09:30] Using Roth IRA as an insurance policy [13:55] Work with an attorney to determine your will [15:50] How does a trust work? [17:15] Taking care of pets after death [18:50] Long-term health care [25:10] Find the nearest urgent care center that is in-network CONTACT KIM: Website: https://kimstanleyinsurance.com Call: (904) 247-6752 E-mail: kim@kimstanleyinsurance.com LINKS MENTIONED: FINRA: https://brokercheck.finra.org QUOTES: “To find a consultant, it is always best for you to pay attention and do your research with the department of insurance.” “Disability insurance is something to look at so that when life occurs, then you won’t lose your house because you do not have enough money coming in.” “We can live paycheck-to-paycheck and never have enough money. If you can get used to putting it aside, it is sexy to look at when you’re older.”

Sunland Acres In this episode, Lynn Lamoureux discusses the importance of finding a safe and clean environment to board your pet. Lynn is a Jacksonville native and has been involved in the Pet Industry since 1976; she loves making a difference for pets and their people! Lynn has a team of animal lovers; they give her the flexibility to be out for short periods. For example, her husband, James Lamoureux is an Internationally Certified Professional Animal Care Provider. He took a series of classes learning things about infectious diseases, animal management, and nutrition. Each of her team members is CPR certified and know the signs to look for when an animal is in distress. The best part of working with Sunland Acres is seeing people reunite with their fur babies after being on vacation. Lynn highly recommends having your pet come and visit the kennel before booking a stay. At Sunland Acres, they do not charge for your first daytime stay because it will let the dog get acquainted with the facility. People drop off their pets because of business trips, home remodels, and when company is in town. Some things you should look for when choosing a kennel is knowing who exactly will be taking care of your pet, where they are going to stay, and how will the animals be treated. Then, Lynn discusses the importance of adopting and fostering pets. If you are unable to home a pet of your own, there are lots of organizations that could use financial donations to keep their businesses running. Later, Lynn reveals her plan for expanding Sunland Kennels. There are a lot of dog events and sports she plans on working with to help people engage with their pets. One thing coming up is called a Barn Hunt, it will be held right in their garage on June 9th. Live rats will be placed inside of a cylinder tube with air holes, the dog has to find the tube hidden inside of hay bales. As the dogs move up in the competition, it gets even more challenging! Enjoy the show! IN THIS EPISODE: [02:20] How Lynn got into the kennel business [04:25] Becoming an Internationally Certified Professional Animal Care Provider [06:25] Have your pet get acquainted with the kennel before staying [08:10] What to look for when choosing a kennel [09:55] The humanization of dogs [11:30] Rescuing dogs from the shelter [15:50] Get a tour of the kennel before you stay [17:55] Plans for expanding Sunland Kennels RESOURCES MENTIONED: Green Dog Spa Sunland Acres American Kennel Club Barn Hunt at Sunland Acres QUOTES: “I combined my business passion with my love for animals.” “Dogs have a whole language of their own. If you watch them closely, you can tell what signals they are giving off.” “Before booking a kennel, make sure they are passionate about dogs.”

Swimming Safari In this episode, Joani Maskell discusses the importance of learning how to swim. Joani started teaching lessons in her own backyard, helping neighborhood children learn to swim. She also taught swimming while in college where she earned her B.A. and M.A. in Elementary Education and Special Education. Post-college she started working as a teacher, then it began all over again when her child needed a lifeguard for her troop. Joani went back and got her lifeguarding certificate and decided to start teaching swim lessons again. Eventually, Joani bought a place to teach lessons out of and hires her own instructors from the University of North Florida. No matter where you live, there is always water around, so it is super important to learn! Seventy-six percent of all drowning deaths in the United States are kids under the age of five. Swimming Safari lessons start at four months of age, and it really is more to educate the parents. Parents are in the water with the children until they are two years old; it is a bonding experience! Water wings in certain situations may be necessary, especially when watching multiple children at one time. Joani recommends teaching children how to do the strokes first, then allowing the kids to play with their inflatables as a treat. Games are a perfect way to have fun in the water while also teaching essential swimming skills. Then, Joani explains how to keep the pool clean. Her pool has a UV system which kills all the pathogens instantly and is tested at least twice daily. Next, Joani gives water safety tips; always be within an arm’s length of your child at the swimming pool. At parties, Joani suggests having a water watcher device. The device has a timer for ten minutes so that person is designated solely to pool safety when the time is up they can pass it to the next adult. Later, Joani advises what to look for in a swim instructor, you do not have to find the most expensive place! Finally, we learn some essential safety features that are necessary to keep children safe when owning a pool. Enjoy the show! IN THIS EPISODE: [02:00] How Joani started Swimming Safari [06:00] The process of hiring swimming instructors [08:15] The age range for lessons [10:00] Fun swimming techniques [12:00] Maintaining pool cleanliness [13:05] Pool and water safety tips [15:40] When will my child learn how to swim? [18:05] What to look for in a swim instructor [21:40] Safety features to consider for your swimming pool CONTACT JOANIE: Website: https://swimmingsafari.com/contact Call: (904) 260-1836 Email: swim@swimmingsafari.com QUOTES: “I was an entrepreneur before I knew I was an entrepreneur.” “We keep our pool at ninety degrees.” “I would love to get swim schools in all parts of Jacksonville.”

NA

Today’s guest, Laurie Prescott, has been helping people in Jacksonville make their gardens beautiful since 1985. Owner of Green Schemes, Laurie Prescott is a Florida native and a passionate gardener. She has a degree in landscape design and is a Florida Certified Landscape Designer. In this episode, Laurie reveals how her typical client is one with an overgrown yard, and she explains what they should plant to revitalize their gardens. A majority of her work is doing the design and installation of the landscape. To find the perfect landscaper, ask your neighbors whom they use and make sure they have credentials and references. Then, the two discuss the differences between buying from a small nursery versus a big box retailer. Big box stores have high turnover rates, so employees may not be as knowledgeable as someone in a little greenhouse. Later, Laurie explains how to achieve the ultimate curb appeal; ensure the yard is not too busy and incorporate colors. Typically, you want to choose either a cool range or a hot range for a color scheme and pick between three or four different varieties. In a small space, Laurie suggests keeping the landscaping very simple, so it does not look cluttered. Then, Laurie reveals the least expensive ways to add curb appeal such as adding mulch, cleaning windows, and switching out light fixtures. Enjoy the show! IN THIS EPISODE: [01:05] Laurie’s typical clients [04:20] Small nurseries vs. big box stores [05:50] Achieving curb appeal [07:45] Landscaping a tiny space [10:40] Least expensive ways to add curb appeal [12:00] Benefits of landscaping [15:40] Sago Palms [20:00] Set priorities + a budget before landscaping CONTACT LAURIE: Phone: 904.910.4130 Email: Laurie@greenschemesjacksonville.com QUOTES: “Use the color where you want to draw attention.” “Don’t break the yard into tiny stages; do it in larger sections.” “Hire a landscape designer, so you don’t make any mistakes.”

Tell me what I need to hear On this weeks episode Zelda has in the house producer Elliott Greenberg. They’re going to share the importance of hiring full time versus part time agents, what to look for when hiring a realtor, and tips and tricks in preparing to sell your home. I hope you enjoy this weeks episode of The Real Estate Talk Podcast with host Zelda Greenberg.

In this weeks mid week market update Zelda shares with our audience what is happening in today's real estate market boom. Get ready, get set, and GO GO GO for the latest in how the market shift is helping buyers and sellers, like you, make the best decisions. Thank you for tuning into this weeks market recap and be sure to rate and subscribe to the podcast to receive the latest news and updates. NEW EPISODES EVERY TUESDAY

When you don’t feel well or you have a toothache minutes feel like hours and you are just plain miserable. Today’s episode we are fortunate to have with us Dr. Shyam Paryani. He’s going to talk to us about the importance of taking care of your oral health today to avoid future diseases throughout our entire body. A fascinating man that moved to Florida from India at the age of 11. Dr. Paryani is an ENGINEER, NUCLEAR PHYSICIST, PHYSICIAN, , TEACHER, INNOVATOR, ENTREPRENEUR, and PHILANTHROPIST.

Future-Proof Furniture--CEO and President of advanced furniture solutions, Jillian Hubbard, is in the house. Zelda and Jillian speak about home office furniture that is budget friendly, how to shop quality even if your a newly established business, and furniture that is future proof. Thank you for tuning into this weeks episode. Please be sure to rate and subscribe to the show to hear the latest news and market updates.  REAL ESTATE TALK PODCAST....NEW EPISODES EVERY WEEK

Midweek Real Estate Market Recap. Zelda explains shifting in the market and how buyers and sellers can best prepare. Stay tuned for the newest segment addition to the Real Estate Talk Podcast with Host Zelda.

Barbara Tolliver-Haskins , Founder of Executive Coaching Solutions is an accomplished organizational leader and prior successful executive for State Farm Insurance Companies. She was constantly recognized for her influence and sustained impact relative to mentoring, training, and development of aspiring leaders on a national basis. Jacksonville is her hometown. Today she is going to talk to us about Emotional Intelligence...Emotional Buying. We all buy and sell on emotions she will illustrate how emotions plays into both our business and personal relationships.

First time home buyers, listen up! This episode is for you. On this weeks episode our host Zelda is in the studio sharing all the need to know tips for becoming a real estate home buying expert. Everything from first steps and mistakes to avoid, as well as, preparing for showings, and what to offer when ready to purchase that dream home. BE SURE TO TUNE IN EACH WEEK JUST HIT THAT SUBSCRIBE BUTTON AT THE TOP OF YOUR SCREEN. THANK YOU FOR YOUR ATTENTION AND PLEASE RATE AND LEAVE FEEDBACK TO KEEP THE SHOW GOING.

On this weeks episode of real estate talk, Theresa Hale from Iberia Bank is debunking some of the mortgage industry's most common myths. Theresa brings her knowledge of over 25 years in the banking and mortgage industry and we are excited to have her as this weeks guest. Sit back and grab some headphones (maybe some popcorn) because you don't want to miss a word.  BE SURE TO SUBSCRIBE TO THE SHOW TO RECEIVE THE LATEST EPISODES EVERY TUESDAY!

This week's episode is a real treat. Ellen and her husband David Bushnell are on the show. They are living the American dream 21st century style. Nothing but the open road after selling their dream home, the Bushnell's bought and RV to travel across the country. NEW EPISODES EVERY TUESDAY....Be sure to rate and subscribe to receive the latest release.