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2 episodes with ca department
Special Guest: Laurie Edwards-Tate Show Highlights A sit-down discussion with Laurie Edwards-Tate, MS – 2025 Women of Impact Nominee, President, Founder and CEO of both a non-profit, and currently for-profit non-medical Home Care Aid Organization called At Your Home Familycare. Nomination as a 2025 Woman of Impact How it impacts the American Heart Association and the GoRed effort. Hearts in Bloom fundraising event The importance of the American Heart Association Discussion with a total heart transplant survivor Biography Since 1984, Laurie Edwards-Tate has been the President, Founder and CEO of both a non-profit, and currently for-profit non-medical Home Care Aid Organization called At Your Home Familycare. It is a State of CA Department of Social Services Licensed Home Care Organization that currently serves seniors, disabled, infirm, and children and holds contracts with a variety of governmental and non-profit community partners. They are funded 50% by private duty and private pay services. Laurie holds a Master’s of Science in Human Resource Management and Organizational Development from Chapman University and a Life Credentialed Community College Instructor. She established a Home Care Aide Training Program at Cal State University College of Extended Studies. Laurie is also a founding member of Chapman University’s local Advisory Council. Websites At Your Home Familycare. http://atyourhomefamilycare.com Facebook https://www.facebook.com/atyourhomefamilycare Linkedin https://www.linkedin.com/in/laurie-edwards-tate-ms-a3513014/ Brought to you by the J.C. Cooley Foundation, "Equipping the Youth of Today for the Challenges of Tomorrow."#ItsYourLife #Talkshow #Podcast #Radio #laurie-edwards-tateSupport the show: http://www.cooleyfoundation.org/See omnystudio.com/listener for privacy information.
VALUE FOR VALUE Thank you to the Bowl After Bowl Episode Producers: SircussMedia, Sharky, harvhat, ChadF, Piez, Heather Larson, cottongin, HeyCitizen, Jimmy V, The Doerfels, @, Spencer, PermaNerd, cbrooklyn112, southside, ajoint, makeheroism, RevCyberTrucker, Macho Man Randy Savage, Lavish, ericpp, bitpunk.fm Intro/Outro: Night Lovers - GSD ft. Tellingbass Please donate what you can to our Bud, Wiirdo Driving under the influence of marijuana bot email Send your cash to: PO BOX 410514 Kansas City, MO 64141 FIRST TIME I EVER… Bowlers called in to discuss the First Time THEY Ever rode a ferry. Next week, we want to hear about the First Time YOU Ever touched a snake. TOP THREE 33 Severe Weather: At least 33 people killed as tornadoes, dust storms hammer the south (Rolling Stone) Russia launches 90 drones on Ukraine overnight: 47 shot down, 33 go off radar (Pravada) Canada allocated over 33 million Euros to the Ukraine Energy Support Fund the day before the US withdrew (Babel) Global trade hits record $33 trillion in 2024, driven by services and developing economies (UN Trade and Development) Pakistan train siege over; 21 passengers, all 33 militants killed, says Army (CNBC) Deadly measles outbreak: 223 cases now in Texas, 33 in New Mexico (Houston Chronicles) BEHIND THE CURTAIN President Donald Trump formally nominates Terry Cole as Drug Enforcement Administration administrator (Department of Justice) Senate passes Halt All Lethal Trafficking of Fentanyl Act, goes heading back to the House for a procedural vote where it is expected to pass again (Drug Policy) US Forest Service tells CA Department of Fish and Wildlife it will not proceed with a nearly $1 million grant awarded by the state to support efforts to remove waste from illicit marijuana growing operations on federal land (Politico) Food and Drug Administration sends warning letter to California company over its injectable CBD product (FDA) Massachusetts Cannabis Commission extends period of time delivery licenses are restricted to social equity applicants for another year (Commonwealth Beacon) Judge rules Minnesota can prosecute marijuana crimes on reservations even after legalization (Minnesota Reformer) Missouri Division of Cannabis Regulation revises stance, limits medical marijuana patients from purchasing as recreational consumers (Greenway Magazine) New York lawmakers file legislation to reduce consumption of cannabis edibles by children (Long Island) South Dakota Gov. Larry Rhoden signs bill defelonizing the ingestion of illegal drugs on first, second offenses (South Dakota Searchlight) Appeals court to take up Bell County, Texas' lawsuit against Killeen voter-approved local decriminalization policy on April 1 (KDH News) METAL MOMENT Tonight, the RevCyberTrucker brings us Rainbow's Man on the Silver Mountain. Follow along with his shenanigans on the Fediverse at SirRevCyberTrucker@revcybertrucker.com ON CHAIN, OFF CHAIN, COCAINE, SHITSTAIN Want in on the 2 million sat Ring of Fire? Email spencer@bowlafterbowl.com No Bullshit Bitcoin Leak reveals Russia is quietly priming Bitcoin, crypto for a price bombshell (Forbes) Michael Saylor's Strategy makes smallest Bitcoin purchase on record (Cointelegraph) Samourai case update (XCancel) KC Meetups City Barrel Pizza + Patio FUCK IT, DUDE. LET'S GO BOWLING 33-acre swath of Beverly Hills hits market for $175M (Mansion Global) Michigan judge wanted Walmart shoplifters to wash cars but his boss stepped on the hose (The Associated Press) *South Carolina community holds vigil for Walter (WCIV-TV YouTube) Virginia tunnel girl granted permit to keep tunneling (FOX) Man, dog find prohibition-era stash of whisky on New Jersey beach (FOX) Switzerland buys $117 million luxury jet too big for capital's runways or hangars (Not the Bee) Connecticut man rescued after being locked in room for 20 years by father, stepmother (NOt the Bee) Shelter worker scoured bin of dog vomit for human toes to sell for $400 on black market (The Sydney Morning Herald) China's first corgi police dog loses bonus after sleeping on the job (Euronews) Men with pythons wanted for Tennessee gas station theft (WKRN)
On this episode of the podcast, Savannah Brown welcomes Kue Lee from the State of CA, Department of Financial Protection and Innovation (DFPI.) Together they discuss the importance of protecting your personal information, avoiding financial scams, and the impact of identity theft on consumers. They also provide insights on the most common frauds and scams and share tips on what you can do to avoid becoming a victim… Because taking proactive to steps protect yourself against fraudsters and scams just makes Perfect Cents! To check out the resources highlighted in this episode visit the links below. CA Department of Financial Protection and Innovation CA Department of Financial Protection and Innovation | Events CA Department of Financial Protection and Innovation | Learn CA Department of Financial Protection and Innovation | Newsletter CA Department of Financial Protection and Innovation | Crypto Scam Tracker CA Department of Financial Protection and Innovation | Submit A Complaint Federal Trade Commission | Report Fraud To register for an upcoming Financial Wellness webinar visit: https://www.safecu.org/community/events To read the latest edition of SAFE's Beyond Everyday Banking blog visit: https://blog.safecu.org/ To learn more about SAFE Credit Union products and services visit: https://www.safecu.org/ To contact the podcast team, email Podcast@safecu.org
California's Insurance Department announced regulations aimed at bringing insurance companies back to fire prone parts of the state. How to keep the new LA Unified School District board accountable. Erin Stone reports on newer composting laws in the state. Plus, more. Support The L.A. Report by donating at LAist.com/join and by visiting https://laist.com Support the show: https://laist.com
Special Guest: Honorable Laurie Edwards-Tate, MS -- President, Founder and CEO of both a non-profit, and currently for-profit non-medical Home Care Aid Organization called At Your Home Familycare. Points covered · Journey into the home care industry. · What was it like to start a small business? · The services provided by At Your Home Familycare · How At Your Home Familycare services ties into the holidays and also the community Biography Since 1984, Laurie Edwards-Tate has been the President, Founder and CEO of both a non-profit, and currently for-profit non-medical Home Care Aid Organization called At Your Home Familycare. It is a State of CA Department of Social Services Licensed Home Care Organization that currently serves seniors, disabled, infirm, and children and holds contracts with a variety of governmental and non-profit community partners. They are funded 50% by private duty and private pay services. Laurie holds a Master's of Science in Human Resource Management and Organizational Development from Chapman University and a Life Credentialed Community College Instructor. She established a Home Care Aide Training Program at Cal State University College of Extended Studies. Laurie is also a founding member of Chapman University's local Advisory Council. Website At Your Home Familycare. http://atyourhomefamilycare.com Social Media Facebook https://www.facebook.com/atyourhomefamilycare LinkedIn https://www.linkedin.com/in/laurie-edwards-tate-ms-a3513014/ Brought to you by the J.C. Cooley Foundation, "Equipping the Youth of Today for the Challenges of Tomorrow."#ItsYourLife #Talkshow #Podcast #Radio #atyourhomefamilycareSupport the show: http://www.cooleyfoundation.org/See omnystudio.com/listener for privacy information.
Watch The X22 Report On Video No videos found Click On Picture To See Larger PictureThe green new scam is just that a scam, the official who is pushing for green airplane owns an oil well. Harris cosponsored the bill to mandate EVs. CA has no money, they do not have the funds to spend on the illegals. The court struck down Biden cancelling student debt. Red October will give Trump what he needs. The [DS] is showing the world that they are a criminal syndicate and they are desperate, they are going all out and the people are seeing who they really are. The [DS] is planning to rig the elections again, they will try to cheat via mail in, but most likely they will allow Trump to win and not certify the election, they will create chaos, this time around Johnson is the speaker, the [DS] will be exposed. (function(w,d,s,i){w.ldAdInit=w.ldAdInit||[];w.ldAdInit.push({slot:13499335648425062,size:[0, 0],id:"ld-7164-1323"});if(!d.getElementById(i)){var j=d.createElement(s),p=d.getElementsByTagName(s)[0];j.async=true;j.src="//cdn2.customads.co/_js/ajs.js";j.id=i;p.parentNode.insertBefore(j,p);}})(window,document,"script","ld-ajs"); Economy Biden Admin Official Spurring Green Airplane Initiative Owns An Oil Well A senior Federal Aviation Administration (FAA) official leading the White House's green airplane push owns an oil well in Wyoming, the Washington Free Beacon reported Wednesday. FAA administrator Michael Whitaker's financial disclosure form, made public this month, shows he owns an oil well in Uinta County, Wyoming, and leases it to Hilcorp Energy, the U.S.' largest privately owned oil company, the outlet reported. Whitaker, who has tightened a variety of fuel efficiency standards for commercial airplanes while running the FAA, claimed the well was worth as much as $100,000 and reported $5,000 in annual royalty earnings from his leasing arrangement with Hilcorp. https://twitter.com/andrewbostom/status/1828739537146654979 Source: dailycaller.com https://twitter.com/DonaldJTrumpJr/status/1828534256164860103 California Democrats Vote to Force Taxpayers to Subsidize $150,000 Down Payment on Homes for Illegals – But the CA Department of Finance Confirms the Program Has No Money! California Democrat state senators on Tuesday overwhelmingly voted to pass a bill that would give illegal aliens $150,000 interest-free home mortgage loans. Illegal aliens will get zero down payment, interest-free home mortgage loans under this new bill. After the California Senate advanced the bill allowing illegal aliens to apply for the state's first-time homebuyer's program, the California Department of Finance confirmed the program has no money to give. The mortgage loan program for illegal aliens wasn't given any new money after the state budget was agreed to in June. https://twitter.com/ZavalaA/status/1828536881338032312 Source: thegatewaypundit.com https://twitter.com/KobeissiLetter/status/1828776038819565649 126,000 over the last 12 months. White-collar job growth has been steadily declining for the last 3 years. In the past, such a significant drop was only seen in 2000-2001, the 2008 Financial Crisis, and the 2020 Pandemic. The US labor market is weakening. https://twitter.com/realDonaldTrump/status/1828616319228391525 https://twitter.com/KobeissiLetter/status/1828510365807747513 to banks as interest payments. Including those payments, effective interest costs over the last year hit a RECORD $962 billion. The US government needs lower interest rates more than anyone. Political/Rights Ford Will 'Modify' DEI Practices, End LGBTQ Ranking, Report Says be no more donations to pride events or other divisive events. • ERG groups must be focused on business. • No supplier or dealership diversity quotas. • CEO calls for respect and civility toward all ideologies,
“Membership has its privileges” is an advertising slogan made famous by American Express. The implication, of course, was that rewards and other things were available only through membership. So, if you wanted to get in on the rewards, you had to be a “member.” Today's episode is co-hosted by DeAnna Rice (Administrative Assistant II, Office of the Director, CA Department of Child Support Services) and Tim Lightner (co-chair of this year's NCSEA Communications Committee and coming to you from Anchorage, Alaska). They welcome a conversation with Linda Rhyne McKinley (Management Consultant with Public Knowledge) and Corri Flores (Director-Government Affairs Wage Garnishment Compliance & Shared Services with ADP). They talk about what services are available to NCSEA members, including resources, publications, web talks, job boards, and more. Learn also about member discounts to NCSEA conferences. This week's program comes to you from North Carolina, Wisconsin, California, and Alaska, and also features Chris Wood (NCSEA Executive Director), as he talks to Trina Schuyler (of the Oneida Nation, Wisconsin), and also Kathie Bohacek (Assistant Director, San Joaquin County DCSS) as they talk about their 2024 Policy Forum experience.
VALUE FOR VALUE Thank you to the Bowl After Bowl Episode 296 Producers: harvhat, Boolysteed, BearSnare, HeyCitizen, Oystein Berge, Some1Actually, Sir TJ the Wrathful, Piranesi, Boo-Bury, Tjunta Tune in to our appearance on Battle of the Douchebags Season 2 Episode 2 with MaryKateUltra, MakeHeroism, Boo-Bury and SirSeatSitter. Intro/Outro: Stevia Sphere - Abandoned Projects ON CHAIN, OFF CHAIN, COCAINE, SHITSTAIN Trezor warns of unauthorized email impersonating Trezor sent via its third-party email provider (Trezor Blog) Bitwise becomes first US spot Bitcoin ETF to disclose BTC holding addresses (Bitcoin Magazine) Swan Bitcoin launches Swan mining out of stealth mode (Swan) Nitter is shutting down following changes to X guest accounts (No Bullshit Bitcoin) US files notice to sell $130M in Bitcoin linked to Silk Road agent (Blockworks) -- 2900 BTC TOP THREE 33 Can't-miss play: Mahomes calls game on 33-yard launch to Valdes-Scantling in final minutes (Yahoo Sports) 33 million under flood watches as South drenched with another day of heavy rain (NBC News) Safety upgrades coming to 33 St. Louis County roads (KSDK) Coast Guard rescues 33 people from sinking vessel off Haiti (USCG News) Iran denies Jordan attack as Gaza massacre kills 33 (The New Arab) Troopers find 33 pounds of meth during I-80 traffic stop near York, Nebraska (1011 NOW) 33 pounds of pot seized at Roanoke, VA airport (WDBJ7) BEHIND THE CURTAIN Department of Justice begins issuing pardon certificates for pot possession offenses committed on federal property (Marijuana Moment) Biden exaggerates the impact of his pot pardons, falsely claiming he "expunged" records -- AGAIN! (YouTube / WLTX) California woman who stabbed boyfriend 108 times sentenced to probation, community service (People) Humboldt County Superior Court judge approved a settlement requiring a cannabis cultivator to pay $1.75 million for building and diverting water from illegal onstream reservoirs without first obtaining permits (CA Department of Fish and Wildlife) 5 arrested, 6 killed over marijuana dispute in Mojave Desert (Associated Press) Colorado assistant attorney general says in op-ed 'Results of rescheduling may not be what you'd expect' (Westword) Central New York business files lawsuit accusing NY cannabis office of bias against white men (Syracuse) NY leaders urge Biden Administration to accelerate federal decriminalization (FOX) Oregon company withdraws interstate pot trade lawsuit, says 'big things are coming very soon' (Marijuana Moment) Warren County, Pennsylvania district attorney files lawsuit challenging federal policy criminalizing gun possession by medical patients (Erie Times News) West Virginia legislators send Gov. Jim Justice a bill to decriminalize drug testing kits (WV Watch)
How do we really put more students on the pathway to prosperity and success? It all begins by developing infrastructure that can bridge the gap between industry and education. Listen in as Host, Salvatrice Cummo, Vice President of Economic & Workforce Development at Pasadena City College shares a panel recap from this year's Future Of Work Conference. The panelists discuss how to develop pathways to high demand occupations and which steps they recommend taking to drive student focused innovation. From the rise of technology and AI in the workplace to the significant changes in adult education and labor markets spurred by the pandemic, our panelists tackle the crucial role of leadership, diversity, and policy in shaping a resilient and inclusive future. Tune in and discover the plan of action we can all take to improve our strategies for the benefit of students and the workers we serve. Engage with us: LinkedIn, Instagram & Facebook: @PasadenaCityCollegeEWD Join our newsletter for more on this topic: ewdpulse.com Visit: PCC EWD website Speakers featured on this panel: Nicole Feenstra, Founder, The DNA Agency Dennis Rodriguez, Director of Business Development, Black & Veatch Kelly Mackey, State Director of Strategic Apprenticeships, State of California Apprenticeship and Workforce Innovation Unit, CA Department of Industrial Relations Dr. Francisco Rodriguez, Chancellor, Los Angeles Community College District Partner with us! Contact our host Salvatrice Cummo directly: scummo@pasadena.edu Want to be a guest on the show? Click HERE to inquire about booking Find the transcript to this episode here
At its recent Net Zero Forum, Smart Energy Decisions recorded onsite interviews with energy customers at various stages of their decarbonization strategies. This episode features conversations with energy customers in higher education. This series of interviews aims to provide listeners with insights and inspiration to help them on their clean energy journeys. You will want to hear this episode if you are interested in... Michigan State's energy transition plan [03:01] Energy challenges at Michigan State [08:36] Bard College at Simon's Rock''s energy projects and goals [14:56] Proving a business case at private colleges [16:39] Sustainability at California State [25:19] Funding challenges at a large public university [30:19] Inclusivity and sustainability goals [37:46] Click here for show notes Resources & People Mentioned Michigan State University Bard College at Simon's Rock California State University Connect with Dr. Wolfgang Bauer On LinkedIn Dr. Wolfgang Bauer is a University Distinguished Professor at Michigan State University, where he has been on the faculty since 1988, holding a dual appointment at the National Superconducting Cyclotron Laboratory. He was chair of the Department of Physics and Astronomy from 2001 to 2013 and Founding Director of the Institute for Cyber-Enabled Research from 2009 to 2013. From 2013 to 2020 Dr. Bauer served as Senior Consultant and Associate Vice President, driving the implementation of the Energy Transition Plan at Michigan State University. In 2019 he was also President of the MSU Foundation. Dr. Bauer is co-owner of several businesses in the renewable energy sector and has consulted on renewable energy issues for the fossil fuel industry and hedge funds. He has published over 200 research articles, conference proceedings, and books, and has given over 400 invited presentations in 25 countries. Connect with Jason Maronde On LinkedIn Jason Maronde is a Facilities Management Professional from Bard College at Simon's Rock. He loves to explore new energy technology and find the potential for energy improvements in every situation. Jason is an active volunteer firefighter and lives on top of a mountain. Connect with Lindsey Rowell On LinkedIn Lindsey Rowell is the Chief of Energy, Sustainability & Transportation for the California State University system in the Office of the Chancellor. Her department is responsible for issuing policy directives, program development and serves in an advisory capacity to support the 23 CSU campuses in achieving their carbon neutrality, energy efficiency and alternative transportation goals. The department also works closely with campuses to address issues of climate equity and strategies to address the worsening climate crises. Prior to this role Lindsey served as the Deputy Director for Sustainability for the CA Department of General Services and has worked developing sustainability and energy management programs for public agencies for the last 15 years. Lindsey has a Bachelor's of Science in Neurobiology with a minor in Environmental Science from Sacramento State University, and Master's of Public Administration and Master's of Business Administration from CSU Dominguez Hills and CSU Monterey Bay, respectively. Connect With Smart Energy Decisions https://smartenergydecisions.com Follow them on LinkedIn Subscribe to Smart Energy Voices If you're interested in participating in the next Smart Energy Decision Event, visit smartenergydecisions.com or email our Community Development team at attend@smartenergydecisions.com Audio Production and Show notes by PODCAST FAST TRACK https://www.podcastfasttrack.com
Susan Phillip joins the show to discuss the process and results of DHCS' procurement and results for the 2024 managed care plan contracts. Susan, who serves as DHCS' Deputy Director, Health Care Delivery Systems, shares how she came into the role and what we can expect heading into 2024 and beyond.
Regenerative small and mid-size livestock producers are beginning to see potential solutions to their marketing problems. Direct sales are happening on line, at Farmers Markets and to Restaurants but the links to larger institutions where there is need for grinding, braising and stew meats in large quantities is lacking. These are exactly the cuts that small to mid size ranches have trouble marketing so instead they accumulate in their freezers. Michael Dimock, the President of Roots of Change, sees this changing as work begins with the USDA, CA Department of Food and Ag and the University of California System (that feeds up to 600,000 people a day). Ultimately the sufficient quantities of product will be pooled to supply large institutions with regenerative locally produced meat as an alternative to product that may currently be sourced and blended from an assortment of countries on other continents. www.rootsofchange.org
Episode: Fred Bear's Second Commandment of Bowhunting Release Date: May 14, 2023 -On the Trail … There's still 2 days until the CA DFW Not So Basic Basics of Bowhunting and I hope you guys got your draw in for Nevada. -(4:50) Question of the week from Kade Where am I even allowed to hunt? We look at the options from public to private land, and if you want more information look back at episode 1 (Public Land) and 9 (Military base Hunting). -(11:35) Exercise of the week – Dumbbell Row If you're an archery guy you need some form of row in your work out. This is one option. How to do it: https://exrx.net/WeightExercises/BackGeneral/DBBentOverRow https://www.strengthlog.com/dumbbell-row/ -(13:40) Commandment #2 – Don't look for deer, look for movement. And remember that's what they're looking for too. As almost everything in hunting goes, you need to slow down. This law is no exception, when you move too much you lose opportunities, but you do need to get to the right place, what's the balance and remember to look for movement. 2 days left to sign up for the CA Department of Fish and Wildlife webinar – The Not So Basic Basics Of Bowhunting here: https://www.register-ed.com/events/view/198396 Episode 9: Military Base Hunting: https://open.spotify.com/episode/47ZFBAETdDAHvO0Qjwj3YK?si=42dcfecc2e564ecb Episode 1: Public Land Hunting Opportunities: https://open.spotify.com/episode/1g9Lncp8x7mRjmd4WpwEHn?si=66a974bba1224910
Episode: Fred Bear's First Commandment of Bowhunting Release Date: May 7, 2023 -On the Trail you find out how my draws are going this year… spoiler alert, it could be better, but there's still time. -(5:12) Question of the week from Nick Which is better for a beginner – archery or rifle hunting? There are reasons to choose both, get my take in the episode. -(11:13) Exercise of the week – Dumbbell Lateral Raise I use this, it grows your shoulders, and helps keep the bow up. How to do it: https://exrx.net/WeightExercises/DeltoidLateral/DBLateralRaise https://www.strengthlog.com/dumbbell-lateral-raise/ -(13:22) Commandment #1 – Don't step on anything you can step over I discuss my take on not only why this is important for your hunting, but give you some ideas on what you can do to put this commandment and what it means into action in the field. Sign up for the CA Department of Fish and Wildlife webinar – The Not So Basic Basics Of Bowhunting here: https://www.register-ed.com/events/view/198396
Climate Change Exacerbates California's WildfiresNearly all of California's landscapes are naturally fire-dependent or fire-adapted, and this beneficial relationship with fire allows ecosystems to maintain healthy functions and promotes biodiversity. However, high-intensity wildfires disrupt this relationship and cause detrimental damage to these ecosystems as wildfires impact tree regeneration, soil erosion, and water quality. According to modeling by the California Air Resources Board, climate change makes the conditions for high-intensity wildfires – like hot, dry summers – more likely. Extreme Wildfires Hurt WildlifeHigh-intensity wildfires impact wildlife. Many animals cannot move, so die in the fires. Those that can escape, by running or burrowing into the ground, face another challenge when they return: adapting to a new and changing environment. While directly measuring wildlife casualties isn't possible, emergency vets and zoos across California report dramatic increases in their wildlife patients after severe wildfires. During the 2021 fire season, the Wildlife Disaster Network through UC Davis's Veterinary Emergency Response Team cared for more than 2000 injured wildlife and pets. According to estimates by The Wildlife Society, fires the year before had killed between 300 to 600 cougars – 15% of California's cougar population.California's Plan to Increase Fire ResiliencyIn 2021, Governor Newsom signed SB 85, the $536 million Wildfire and Forest Resilience Action Plan, into law to support early action and intervention against wildfires and measures to build resilient communities, restore ecological health, and fund wildfire suppression. The California Department of Fish and Wildlife (CDFW) manages over one million acres of land in the state – many of which are both fire-prone and vital habitats for wildlife. As a result, the CDFW plays a key role in implementing SB 85's goals. As part of that effort, the California Department of Fish and Wildlife (CDFW) undertook “the largest wildfire protection and resilience efforts in its history.” This new support has helped not only safeguard CDFW property, but better protect surrounding homes, communities, and wildlife habitats, as well. SB 85 also allowed CFDW to hire additional staff, afford new equipment, and start over forty new fire control projects like creating fire breaks, removing wildfire fuel, thinning overgrown vegetation, expanding livestock grazing, and more. In January 2023, the U.S. Senate also introduced the Wildfire Emergency Act. This bill has bipartisan support and aims to reduce the risks of catastrophic wildfires faced in California and across the West of the country. The $250 million act would increase forest restoration and wildfire resilience projects.Looking Forward The California Department of Forestry and Fire Protection (CAL FIRE) in their 2023 Fire Season Outlook predicts a possible abnormal wildfire season due to mixed temperature and precipitation and flooding anomalies earlier in the year. As a result of these historic storms, critically dry fuel moisture alignments are not expected to be reached for the next four months. However, one concern is that the extreme precipitation may accelerate spring plant growth, which once the moisture disappears and heat sets in, will dry out and become additional fuel, accelerating wildfires. The impact of climate change also varies dramatically across different climates of the state with some regions expecting more extreme drier and hotter months. Wildfire season in California begins in early summer and runs through late fall. Although fire season has not officially begun, CAL FIRE has reported 196 incidents of wildfires resulting in 51 acres burnt already in 2023. As climate change intensifies California's wildfires, the work of the CDFW is even more critical because their efforts protect the health of California's ecological reserves, wildlife, waterways, and communities from the devastating effects of wildfires. About the GuestThe California Department of Fish and Wildlife (CDFW), formerly the California Department of Fish and Game, is focused on “improving and enhancing [its] capacity and effectiveness in fulfilling [its] public trust responsibilities for protecting and managing the state's fish and wildlife.” Chuck Bonham has served as the director of CDFW since 2011. Bonham is responsible for overseeing CDFW's wide range of projects, from preventing illegal poaching to protecting California's wildlife from human and environmental conflicts such as drought and fires. Sources:California Department of Fish and Wildlife Home PageCDFW Director Charlton H. Bonham (ca.gov)Governor Newsom Signs Landmark $536 Million Wildfire Package Accelerating Projects to Protect High-Risk Communities | California GovernorCDFW News | CDFW Initiates Massive Wildfire Protection Effort at Wildlife Areas, Ecological Reserves Statewide2022 Fire Season Outlook (ca.gov)CA Department of Fish and Wildlife: Science: Wildfire ImpactsNational Geographic: What do wild animals do in wildfires?Sierra Club: California's Wildest Wildfire VictimsThe Wildlife Society: California Wildfires may have killed hundreds of cougarshttps://edition.cnn.com/2023/01/26/us/california-rain-wildfire-season-climate/index.htmlCNN: How California's recent flooding could set the stage for a dangerous wildfire seasonUS Senate: Senators Introduce Bipartisan Bill to Increase Preparedness, Reduce Risk for Catastrophic Wildfires
Tim Daily, Public Information Officer at the California Department of Fish and Wildlife, joins Jennifer Jones Lee on this Monday morning Wake Up Call to warn of rattlesnakes and bears following the historic rains California experienced over the last month.
Agriculture is a sector that needs to be transformed. We need to cut emissions, improve soil health, and sequester more carbon, all while feeding more people. This episode focuses on how California's Department of Food and Agriculture is investing in this change. Why California? Well, agriculture in the Golden State is a big deal. It's a $51 billion-a-year industry, that grows over a third of the vegetables and three-quarters of the fruits and nuts in the United States. California is a recognized leader when it comes to climate action, and there's much to learn from its agriculture policy and practices. So I was delighted to sit down with California's Secretary of Agriculture Karen Ross. Secretary Ross has decades of experience in agriculture and ag policy and is deeply committed to climate action. We talked about everything from dairy digesters and regenerative ag practices to the role California ag innovation plays nationally and globally, and much more. If you're interested in how the food system is changing to address climate change, there's a lot here for you. Here we go. In today's episode, we cover:[2:25] Recent weather impacts on California farmers [4:20] Secretary Ross' background, experience & current role[6:34] California's agricultural agenda & its main priorities[8:57] The CA Department of Food & Agriculture's top programs [11:23] The Dairy Digester R&D Program - goals & how it works[13:52] Reducing methane emissions from cow burps[15:41] The menu of items to reduce emissions[16:51] The Biden Administration's Methane Emissions Reduction Plan[18:23] Other success stories or signs of progress [19:40] The biggest barrier to reaching “every farmer and at least one practice on every acre in California”[20:49] What is the state aiming to address through its Healthy Soils Program[22:49] The target of farms to be reached with 80,000 acres per year [24:58] Some ways that California & the federal government's climate initiatives influence one another[27:35] Other initiatives & states that Sec. Ross admires & is learning from[29:11] Opportunities within the ag tech space for innovators & investors to start dialing up their attention[32:44] Other highlights from Sec. Ross on global impact, International Womens Day & CA's accolades[34:49] What else needs to happen in US agriculture to meet Paris Accord climate commitments & other climate goals[36:26] What can listeners do to address climate change through food & agricultureResources MentionedCalifornia Department of Food & Agriculture (CDFA)CDFA's Dairy Digester R&D ProgramThe U.S. Methane Emissions Reduction PlanCDFA's Healthy Soils ProgramInvested in Climate: Saving the planet with seaweed, Symbrosia & Sway, Ep #25Invested in Climate: Regenerative Ag with Biodel's Ben Cloud and Dr. Paul Zorner, Ep...
On March 12, 1933, families gathered around their radios in living rooms all over the country to listen to the newly-inaugurated President Franklin D. Roosevelt deliver his first fireside chat. It was the first time a president had done anything like that and the country loved it. What else was being reported in newspapers on the same day? _____ SOURCES “Advertisement: Madison's Most Popular Girl (Page 13).” Wisconsin State Journal (Madison, Wisconsin), March 12, 1933. www.newspapers.com. Associated Press. “Roosevelt Due On Air Tonight.” The Huntsville Times (Huntsville, Alabama), March 12, 1933. www.newspapers.com. Associated Press. “‘Countless' Tremors Keep Coast In Panic; 130 Dead, 5,000 Hurt.” The Sunday Star (Washington D. C.), March 12, 1933. www.newspapers.com. “The Bravest Of Boys Are Falling For Your Sake.” The Austin American (Austin, Texas), October 19, 1913. www.newspapers.com. “Brutal Murder of Wichita Baby Will Be Aired In Court.” The Wichita Eagle (Wichita, Kansas), March 12, 1933. www.newspapers.com. “Charge Couple In Death of Infant.” The Wichita Beacon (Wichita, Kansas), January 25, 1933. www.newspapers.com. Conservation, California Department of. “California's Big Earthquakes.” CA Department of Conservation. Accessed March 3, 2023. https://www.conservation.ca.gov/index/Pages/CA-big-quakes.aspx. “Couple Arraigned on Murder Count for Baby Slaying.” The Wichita Eagle (Wichita, Kansas), January 26, 1933. “Emilio Orlando (1895-1918) .” Find a Grave. Accessed March 2, 2023. https://www.findagrave.com/memorial/71520517/emilio-orlando. “FDR's Fireside Chats (U.S. National Park Service).” National Parks Service. U.S. Department of the Interior. Accessed March 2, 2023. https://www.nps.gov/articles/fdr-s-fireside-chats.htm. “The Fireside Chats: Roosevelt's Radio Talks.” WHHA (en-US). Accessed March 2, 2023. https://www.whitehousehistory.org/the-fireside-chats-roosevelts-radio-talks. “Frank Totino Mass Set.” The Miami Herald (Miami, Florida), June 30, 1969. www.newspapers.com. “Great Depression: Causes and Definition | History.com. - History.” History.com. Accessed March 2, 2023. https://www.history.com/topics/great-depression. International News Service. “Soldier Sees Own Grave.” Sunday News (Lancaster, Pennsylvania), March 12, 1933. www.newspapers.com. “Mary Helen Drury Is Granted Divorce From Baby Slayer.” The Wichita Eagle (Wichita, Kansas), July 6, 1933. www.newspapers.com. “Reach Verdict in Trial of Accused Baby Killer Here.” The Wichita Eagle (Wichita, Kansas) , March 15, 1933. www.newspapers.com. “A Sedgewick County Jury...” The Wichita Beacon (Wichita, Kansas), April 18, 1933. www.newspapers.com. Underwood, Agnes. “Quake Horrors Told; 131 Dead; Towns In Ruin and Mother's Story of Quake Terror.” Los Angeles Record (Los Angeles, California), March 11, 1933. www.newspapers.com. “Veteran Finds His Own Grave In French Trip.” The Pittsburgh Press (Pittsburgh, Pennsylvania), October 29, 1933. www.newspapers.com. Wertenbach, Fred. “Another Man Identified As Him, Buried As He Lay Wounded.” The Pittsburgh Press (Pittsburgh, Pennsylvania), January 29, 1933. www.newspapers.com. SOUND SOURCES Al Jolson. “I'll Say She Does.” www.pixabay.com/music. Lucille Hegamin and The Dixie Daisies. “Cold Winter Blues.” www.pixabay.com/music. Sophie Tucker. “Reuben Rag.” www.pixabay.com/music.
Today's edition comes to you on location from California and Illinois. Co-hosts Pat O'Donnell (Vice President of Payment Processing for YoungWilliams) and Emily Jernigan (Regional Administrator for the CA Department of Child Support Services) host Mary Lawrence Jones (President and CEO of LTJ Executive Consulting). They bring you another episode in a series focused on honing and enhancing professional development skills. They have a conversation on active listening and the positive impact this skillset can have for child support professionals – for both speakers and listeners.
Today we're talking all about disclosures, with my guest Jenny Cook. As my Transaction Coordinator, Jenny is a vital member of my team managing the day-to-day task of ensuring my real estate transaction files are compliant with CA Department of Real Estate rules & regs. I can't think of a better person to talk through disclosures with me and save me from being accused of mansplaining! There are numerous real estate websites consumers can go to for property information. Some of them are owned by real estate brokerages, some not. The general information they provide is useful but it's not the property specific disclosures that licensed agents have access to. At a certain point it becomes essential to work with a real estate agent to gain access to disclosures and to also understand how to interpret the disclosures. This podcast is an effort to help you understand how to approach reading a disclosure packet once you've received it from your agent.Think of this as a workshop! Please follow along with us as we read through a disclosure packet. Click here to download the disclosure packet we're referencing in the podcast. I've also included some key disclosure documents that we discuss in the podcast. This podcast is designed to be listened to along with Episode #23 on Home Inspections and Episode #27 on Pest Inspections.
In this Sunday edition: Overdose deaths are rising dramatically in L.A. County. Almost 1300% in the last several years. And Fentanyl is a major culprit. L.A.'s Public Health Department, along with LAUSD, LAPD and the DA's office have started strategizing on how to deal with this crisis. But, there are groups out there who've been practicing harm reduction for years: distributing narcan or fentanyl test-strips, and teaching classes. In a recent episode of How To L.A., we took a personal look at L.A.'s fentanyl crisis, and some of the solutions that are currently saving lives. If you or someone you know experiences an overdose, call 9-1-1 immediately. For educational resources about drug safety, check out Taco's website, and the CA Department of Public Health. Support for this podcast is made possible by Gordon and Dona Crawford, who believe that quality journalism makes Los Angeles a better place to live. Support the show: https://laist.com
Introducing Your Home Familycare: A Journey in Health, Wellness and Caring with Laurie Edwards-Tate, MS President and Founder. Your Life! Your Health! Health is the Greatest Wealth. • Services provided by At Your Home Familycare• Caring for a loved one at home• The issues of healthcare staff shortages• The stigmas of Ageism and developmental disabilities.Since 1984, Laurie Edwards-Tate has been the President, Founder and CEO of both a non-profit, and currently for-profit non-medical Home Care Aid Organization called At Your Home Familycare. It is a State of CA Department of Social Services Licensed Home Care Organization that currently serves seniors, disabled, infirm, and children and holds contracts with a variety of governmental and non-profit community partners. They are funded 50% by private duty and private pay servicesLaurie holds a Master's of Science in Human Resource Management and Organizational Development from Chapman University and a Life Credentialed Community College Instructor. She established a Home Care Aide Training Program at Cal State University College of Extended Studies. Laurie is also a founding member of Chapman University's local Advisory Council.Website: http://atyourhomefamilycare.com Brought to you by J.C. Cooley Foundation "Equipping the Youth of Today for the Challenges of Tomorrow." Support the show: http://www.cooleyfoundation.org/See omnystudio.com/listener for privacy information.
#47: Overdose deaths are rising dramatically in LA. Almost 1300% in the last several years. Fentanyl is a major culprit. LA's Public Health Department, LAUSD, LAPD and the DA's office have started strategizing to figure out how to deal with this crisis... But there are groups out there who have been practicing harm reduction for years: distributing narcan or fentanyl test-strips, and teaching classes. Groups like T.A.C.O., a national non-profit started by 5 college students, who saw a deadly problem that didn't seem like it was being addressed. Today we're taking a personal look at LA's fentanyl crisis, and some of the solutions that are currently saving lives. Guests: Isabella Gianatiempo, co-founder & CEO of T.A.C.O. Inc; B, an L.A. college student who overdosed and survived, and requested that we not use their full name. For educational resources about drug safety, check out Taco's website, and the CA Department of Public Health. If you or someone you know experiences an overdose, call 9-1-1 immediately.
The California Department of Public Health's Dr. Sona Aggarwal discusses treatment options for Covid-19.
The CA Department of Education will release Smarter Balanced test scores. LAUSD refused to pay ransom to a crime syndicate that hacked the district last month; now that data has been released. A moment on scary movies. In response to a significant spike in gas prices over the past week, Gov. Newsom announced that oil refineries could start selling winter-blend gasoline and is also calling on lawmakers to pass a windfall tax on oil company profits. See omnystudio.com/listener for privacy information.
The CA Department of Education will release Smarter Balanced test scores. LAUSD refused to pay ransom to a crime syndicate that hacked the district last month; now that data has been released. A moment on scary movies. In response to a significant spike in gas prices over the past week, Gov. Newsom announced that oil refineries could start selling winter-blend gasoline and is also calling on lawmakers to pass a windfall tax on oil company profits. See omnystudio.com/listener for privacy information.
Brad and Mike discuss one of 2022's most interesting cover photos, featuring Captain Dylan Reed who boated a swordfish on his 14-foot skiff! Mike also gives us a Sierra update before we speak with Jenny Hofmeister, an environmental Scientist with the Invertebrate Program at the CA Department of Fish and Wildlife to talk all things lobster.Catch all the news in the latest issue of Western Outdoor News: http://digital.wonews.com/Sign up for Troutfest at Big Bear Lake, October 1-2: https://wonews.com/product/troutfest2022/Save $5 on your Western Outdoor News Subscription using code SUMMER22: https://won.magserv.com/cgi-bin/subscribe?qt=new&Keyed_effort=W2022Subscribe to the Digital-Only version of WON for only $19.99 using promo code "fiveoffwon" http://digital.wonews.com/For a delivered print edition of WON: https://won.magserv.com/To subscribe to Western Outdoor News, and for more content, visit wonews.com or follow WON on Instagram and Facebook!Questions, Comments, or a Trip report? E-mail podcast@wonews.com or call-in to our voice mailbox and leave a message (702) 850-4966
YIMBYs in California advocate for laws to address the housing shortage and housing affordability crisis, but what happens after the Governor signs them? Housing law enforcement is an important but often less flashy part of the process of making housing abundant and affordable. Housing law enforcement is possible because of volunteers, organizations like YIMBY Law, the CA Department of Housing and Community Development, and the Attorney General's office. Working together, we're able to hold cities accountable to the laws that are passed, including dozens of California cities that don't have housing plans that are compliant with state law. In this episode, Louis Mirante from California YIMBY sits down with David Pai, Deputy Attorney General in the Housing Strike Force, and David Zisser, the Assistant Deputy Director in the HCD Housing Accountability Unit. They talk about what housing law enforcement looks like at the state level and when they intervene. Special thanks to our friends at California YIMBY for hosting this event! To get involved and support housing law enforcement in California, become a watchdog! https://www.fairhousingelements.org/volunteer Links:Watch the video on YouTube (with all the slides mentioned): https://www.youtube.com/watch?v=tWveuGw7C3kBecome a housing element watchdog: https://www.fairhousingelements.org/volunteerLearn more about housing elements: https://www.fairhousingelements.org/explainerLearn more about California YIMBY's work: https://cayimby.org/Learn more about YIMBY Action: https://yimbyaction.org/Follow YIMBY Action on Twitter: https://twitter.com/yimbyaction/Follow YIMBY Action on Instagram: https://instagram.com/yimbyaction/Follow YIMBY Action on Facebook: https://facebook.com/yimbyaction/
On this week's EcoNews Report, Warner Chabot of the San Francisco Estuary Institute joins Gang Green to talk about micro-plastic pollution, including that which comes from car tires. A chemical in tires has been found to kill coho salmon. Now the California Department of Toxic Substances Control is considering regulation to address this threat.People can submit written comments on the rulemaking proposal until July 5.For more info:CA Department of Toxic Substances Control video on 6PPD in TiresSupport the show
0:00 Intro.1:31 Start of interview2:30 Anne's "origin story". She grew up in Colorado and after attending college, she moved to DC to work on the Hill and later in the Reagan Administration (U.S. Department of Energy). She moved to Sacramento in the late 1980s, where she worked in and out of state government. In her role as Chief Deputy Director of the CA Department of Finance (under Governor Schwarzenegger) she served on the boards of CalPERS and CalSTRS, among many other state boards. In 2007 Stanford issued the first Clapman Report, outlining best practices principles that she used to improve the governance of the CalSTRS board. The next year, she joined CalSTRS as the first Director of Corporate Governance, just in time for the GFC of 2008! She got very involved with the Dodd Frank legislation in 2011 and the rules that came out of it, such as say-on-pay, proxy access, and others. She retired from CalSTRS in 2018 and later joined the boards of Victoria Secret & Co, Cohn Roberts Holding Corp (NYSE:CRHC) and joined PJT Camberview as a senior advisor.8:45 On the governance of state-owned or public entities, and the influence on politics on those boards. "Anytime there is a politician on a board, there will be a political bent to it." She did not sit on the board of CalPERS when they went after Safeway in their labor dispute (2004). At CalSTRS, they worked very hard to make sure that they did not pursue any political agenda. They made sure to follow a process when making any divestment decision.11:58 On joining the board of CRHC, and the state of SPACs. CRHC is merging with Allwyn Entertainment, a European lottery operator in a listing valued at $9.3bn.14:57 On the evolution of ESG. "The history of ESG at CalSTRS goes way back, they had a Statement of Investment Responsibility in 1978, outlining 21 risk factors (now called ESG factors). These are investment risks to the portfolio if they are not managed properly." There is a history of divestment from South Africa by California public pension funds during the Apartheid regime. UNPRI in early 2000s. "One of the issues is all the terminology that is thrown around: CSR, ESG, impact investing, moral or ethical investment, DEI, etc." 20:27 On the evolution of shareholder engagements. The example of CalSTRS and CII. The Engine No.1-Exxon Mobil case. "I've always thought that the acronym should be GES, because the "G" of governance is the infrastructure that sets in place how boards should handle these issues." "The advent of Say-on-Pay forced the engagement between investors and companies."25:53 On the new criticisms of ESG and politicization of corporations.27:54 On the exclusion of Tesla from the S&P500 ESG Index. 30:42 On the new SEC climate disclosure rules. "It's probably one of the boldest and most progressive proposals that has come out, probably ever, from the SEC." 34:35 Board diversity and her thoughts on CA courts striking down SB-826 and AB 979, and what these rulings mean for board diversity. Her role in promoting board diversity from CalSTRS starting in 2008, the Diverse Director Database. The role of the big institutional investors such as BlackRock, Vanguard and State Street to promote board diversity. The Nasdaq board diversity rule. DEI beyond the boardroom (racial equity audits, pay gaps, etc.)41:26 On the governance of private companies, and the rise of private markets. The role of CalSTRS on improving governance of private companies via its LP role and influence.45:00 Her recommendations on how directors should handle down cycles and recessions. "The governance processes are there to be the guardrails during the uptime and the downturns."47:11 The 3 books that have greatly influenced her life in the last few years:Biography of President Ulysses Grant, by Ron Chernow (2017)From Strength to Strength, by Arthur C. Brooks (2022)The Road to Character, by David Brooks (2015)48:40 - Who were your mentors, and what did you learn from them? Rich Koppes (former GC of CalPERS), on the governance side.Bill Hauck (former head of the California Business Roundtable)49:45 - Are there any quotes you think of often or live your life by? "Play the hand that's dealt to you." "Don't obsess over the bitter, go forward." "Perfect is the enemy of tGood" "80% is better than 100% if you can get it, or zero." "The only constant of life is change."50:39 - An unusual habit or an absurd thing that she loves: When she travels to a new city she gets on those hop in hop off buses (typically tourist traps). 51:10 - The living person she most admires: Zelensky and the people of Ukraine.Anne Sheehan is a former Director of Corporate Governance at CalSTRS and currently serves on the boards of Victoria's Secret & Co and Cohn Roberts Holding Corp (NYSE:CRHC) and is a senior advisor at PJT Camberview.__ You can follow Evan on social media at:Twitter: @evanepsteinLinkedIn: https://www.linkedin.com/in/epsteinevan/ Substack: https://evanepstein.substack.com/__Music/Soundtrack (found via Free Music Archive): Seeing The Future by Dexter Britain is licensed under a Attribution-Noncommercial-Share Alike 3.0 United States License
In this episode of Engineer Your Success, our special guest, Morgan O'Brien sheds light on the topic of alignment with who you are as a leader. She discusses how important it is to have boundaries and communication in order to be respected. Here's a bit about Morgan's passion: Morgan is a people-focused engineer currently working as a Senior Engineer Project Manager for the CA Department of Water Resources, on major flood risk reduction projects around the Sacramento Area. She is very interested in leadership and strives to lead from wherever she is within an organization. This has resulted in taking on a few extra roles, including Leadership Development Coordinator for the Floodplain Managers Association Emerging Professionals Committee, as well as being the Professional Advisor to the UC Davis Society of Women Engineers section. Morgan is an avid backpacker, who enjoys reading, as well as restoring her 1925 home. Morgan believes that there is always an opportunity to learn and be better, and often quotes Brene Brown. She LOVES to dive into topics that are hard to talk about because that's where she finds the most growth. Let's dive in! [00:01 – 09:59] Finding Your Passion and Acting Upon it Engineers working on developing harder skills such as people skills Being passionate about work and applying principles in innovative ways How curiosity was key in overcoming the difficulty of communication [06:53 – 22:24] Exercising Leadership and Staying Curious The importance of management skills and informal leadership Start your own thriving family businesses with great marketing Staying curious and avoiding letting frustration take over [22:25 – 38:36] The Significance of Setting Boundaries Be open to new opportunities and do not be afraid to try new things Understanding ourselves to effectively set boundaries with others Making changes now to improve your quality of life [38:37 – 39:51] Closing Segment Connect with Morgan! (links below) Parting Notes Connect with Morgan on LinkedIn Shoot her an email at morganemobrien@gmail.com Sponsors: Banowetz Marketing: Growing a business is hard. Banowetz Marketing provides an action plan and expert help so your family business can thrive BanowetzMarketing.com/James Coupon Code: JAMES to get 3 FREE hours of logo design or redesign work with the purchase of any other product. If you are impacted by this content, please be sure to subscribe for more access to the empowering conversations from myself and guests who are working to help you engineer your success! Use this link to drop a question or a topic that you would like to see covered on a future episode: Questions or topic suggestions Let's connect! Find me on my LinkedIn, Facebook, and Instagram. I'd love to hear from you. You have the strength of a hero within you. Check out my website https://betteryou4u.com/ and learn how to unlock your potential and achieve success both in business and in life. Important Resources to Note: Missed our previous UnWebinars? Here's the link, be updated and make sure you get yourself registered in the upcoming sessions: https://link.betteryou4u.com/unwebinar See you on the next UnWebinar! Here's a link to the Engineer's Blueprint for a balanced life: https://betteryou4u.com/change-starts-here/ Our Facebook Community is now open! Sign up here for the Facebook group to get exclusive access! Schedule a complimentary Introductory Coaching Session Don't forget to sign-up for email updates! https://betteryou4u.com/eys-email-update/ Tweetable Quotes: “Having that sense of curiosity is a key trait for people that are growing, that are learning. For leaders and effective communicators, having that curiosity helps you make that connection.” - Dr. James Bryant “Management is important, but there's a place for being able to lead from wherever you sit, whether it's formal authority or not, and making sure that you have the skills to be organized and [that] everyone has what they need, but also inspire them to move in the same direction.” - Morgan O'Brien “Curiosity is the key to openness and being able to admit that you do not know everything can be a way to invite people in to actually contribute and help move the team in the direction that it needs to go.” - Dr. James Bryant “[We] need to advocate [setting boundaries] for ourselves. We're the only ones who are going to know our boundaries, so we can actually be the only ones that can set them… Once we're aware of that in ourselves and knowing what it feels like when someone crosses a boundary, then we can more effectively set them.” Morgan O'Brien
In this episode of Engineer Your Success, our special guest, Morgan O'Brien sheds light on the topic of alignment with who you are as a leader. She discusses how important it is to have boundaries and communication in order to be respected. Here's a bit about Morgan's passion: Morgan is a people-focused engineer currently working as a Senior Engineer Project Manager for the CA Department of Water Resources, on major flood risk reduction projects around the Sacramento Area. She is very interested in leadership and strives to lead from wherever she is within an organization. This has resulted in taking on a few extra roles, including Leadership Development Coordinator for the Floodplain Managers Association Emerging Professionals Committee, as well as being the Professional Advisor to the UC Davis Society of Women Engineers section. Morgan is an avid backpacker, who enjoys reading, as well as restoring her 1925 home. Morgan believes that there is always an opportunity to learn and be better, and often quotes Brene Brown. She LOVES to dive into topics that are hard to talk about because that's where she finds the most growth. Let's dive in! [00:01 – 09:59] Finding Your Passion and Acting Upon it Engineers working on developing harder skills such as people skills Being passionate about work and applying principles in innovative ways How curiosity was key in overcoming the difficulty of communication [06:53 – 22:24] Exercising Leadership and Staying Curious The importance of management skills and informal leadership Start your own thriving family businesses with great marketing Staying curious and avoiding letting frustration take over [22:25 – 38:36] The Significance of Setting Boundaries Be open to new opportunities and do not be afraid to try new things Understanding ourselves to effectively set boundaries with others Making changes now to improve your quality of life [38:37 – 39:51] Closing Segment Connect with Morgan! (links below) Parting Notes Connect with Morgan on LinkedIn Shoot her an email at morganemobrien@gmail.com Sponsors: Banowetz Marketing: Growing a business is hard. Banowetz Marketing provides an action plan and expert help so your family business can thrive BanowetzMarketing.com/James Coupon Code: JAMES to get 3 FREE hours of logo design or redesign work with the purchase of any other product. If you are impacted by this content, please be sure to subscribe for more access to the empowering conversations from myself and guests who are working to help you engineer your success! Use this link to drop a question or a topic that you would like to see covered on a future episode: Questions or topic suggestions Let's connect! Find me on my LinkedIn, Facebook, and Instagram. I'd love to hear from you. You have the strength of a hero within you. Check out my website https://betteryou4u.com/ and learn how to unlock your potential and achieve success both in business and in life. Important Resources to Note: Missed our previous UnWebinars? Here's the link, be updated and make sure you get yourself registered in the upcoming sessions: https://link.betteryou4u.com/unwebinar See you on the next UnWebinar! Here's a link to the Engineer's Blueprint for a balanced life: https://betteryou4u.com/change-starts-here/ Our Facebook Community is now open! Sign up here for the Facebook group to get exclusive access! Schedule a complimentary Introductory Coaching Session Don't forget to sign-up for email updates! https://betteryou4u.com/eys-email-update/ Tweetable Quotes: “Having that sense of curiosity is a key trait for people that are growing, that are learning. For leaders and effective communicators, having that curiosity helps you make that connection.” - Dr. James Bryant “Management is important, but there's a place for being able to lead from wherever you sit, whether it's formal authority or not, and making sure that you have the skills to be organized and [that] everyone has what they need, but also inspire them to move in the same direction.” - Morgan O'Brien “Curiosity is the key to openness and being able to admit that you do not know everything can be a way to invite people in to actually contribute and help move the team in the direction that it needs to go.” - Dr. James Bryant “[We] need to advocate [setting boundaries] for ourselves. We're the only ones who are going to know our boundaries, so we can actually be the only ones that can set them… Once we're aware of that in ourselves and knowing what it feels like when someone crosses a boundary, then we can more effectively set them.” Morgan O'Brien
Join us on Be Brave at Work as we speak with Brandon Miller. Brandon is a Certified Strengths Coach through the Gallup Organization and has been coaching and training strengths for over fifteen years. He is CEO of 34 Strong Inc, where he and his team build highly engaged, strengths-based organizations who are recognized as “Best Workplaces.” He is a former instructor for UC Davis and speaker for Vistage International. Since its inception, the team at 34 Strong have had the honor to work with: CA Department of Public Health, Home Depot, FDA, Bank of America, Tesla, Johnson & Johnson, Hitachi, American Licorice Company, Genentech, Baptist Health, Johnson Controls, Plum Organics, Cascade Health and GloryBee. Links of Interest LinkedIn Twitter Facebook Website Play to Their Strengths: A New Approach to Parenting Your Kids as God Made Them Incredible Parent: Discover Your Parenting Strengths and Raise Your Kids with Confidence A special thank you to our sponsor, Cabot Risk Strategies. For more information, please visit them at CabotRisk.com Please click the button to subscribe so you don't miss any episodes and leave a review if your favorite podcast app has that ability. Thank you! More information about Ed, visit Excellius.com © 2022 Ed Evarts
On this inaugural episode of Searching for Medicine's Soul, Dr. Aaron Rothstein is joined by Dr. Aaron Kheriaty to discuss his journey as a physician, his work as a bioethicist, and his ongoing lawsuit over the University of California's vaccine mandate. Dr. Kheriaty is a fellow at the Ethics and Public Policy Center, where he directs EPPC's program in Bioethics and American Democracy. He is Professor of Psychiatry at UCI School of Medicine and Director of the Medical Ethics Program at UCI Health. He serves as chairman of the medical ethics committees at UCI Hospital and at the CA Department of State Hospitals. Human Flourishing, Dr. Kheriaty's Substack newsletter aaronkheriaty.com Please visit the Ethics and Public Policy's Bioethics and American Democracy program page for more information
Host Dorothy Cociu welcomes once again Marilyn Monahan of Monahan Law Office on Federal and State Legislative Updates for fall, 2021. Marilyn will discuss the ACA Transparency Rules, the CAA's No Surprises Act & Transparency, and how grandfathered health plans are affected. In addition, she provides updates on ARPA COBRA Subsidies, FFCRA & ARPA wrap-ups, Long COVID & disabilities, and more. She will also discuss ACA reporting updates, as well as how employers can find a path out of the pandemic, reviewing current guidance from the CA Department of Industrial Relations and Federal Department of Labor. Lastly, Marilyn provides California legislative updates, including Cal Savers, California leave laws, electronic notice postings, mandated benefits, insurance regulation, employment law, minimum wage and city ordinances. This podcast was originally recorded as a client webinar. Edited for podcast use. Legislative Updates discussed in this episode include: Federal ACA Transparency Rules, CAA No Surprises Act & Transparency Grandfathered plan applications ARPA COBRA subsidies, FFCRA, and ARPA wrap-ups Long COVID & Disabilities ACA Reporting Updates Path out of the Pandemic (OSHA, DIR & DOL rules) California Cal Savers California Leave Laws Electronic Notice Postings Mandated Benefits Insurance Regulation Employment Law Minimum Wage City Ordinances
On this episode of Feudal Future, hosts Joel Kotkin and Marshall Toplansky are joined by Ross Elliot, Chairman of the Urban Land Institute of Australia, and Dr. Aaron Kheriaty, Professor of Psychiatry at UC Irvine. This show covered the psychological impact of Covid-19 and how governments are managing it.Ross is the co-founder of Suburban Futures (formerly The Suburban Alliance). He has 30 years' experience in the property and urban development industry, including a number of national leadership roles for the Property Council of Australia as its Executive Director, then Chief Operating Officer and later as National Executive Director for the Residential Development Council. In this time he pioneered a number of policy initiatives for the industry on urban growth and cities policies for Australia. He has both authored and edited a number of monographs on urban development policy, housing and cities policies for Australia. Ross was also founding CEO of Brisbane Marketing, winning an International Downtown Association's (USA) award for City Marketing in 2003. A frequent speaker, author and commentator on urban development policy, he was in 2016 invited to be international keynote speaker for the American Planning Association's Utah conference and in 2017 was published in a global joint MIT/Chapman University project “Infinite Suburbia.”Aaron Kheriaty is Professor of Psychiatry at UCI School of Medicine and Director of the Medical Ethics Program at UCI Health. He serves as chairman of the medical ethics committees at UCI Hospital and at the CA Department of State Hospitals. Dr. Kheriaty graduated from the University of Notre Dame in philosophy and pre-medical sciences, earned his MD degree from Georgetown University, and completed residency training in psychiatry at UCI. He has authored books and articles for professional and lay audiences on bioethics, social science, psychiatry, and religion. His work has been published in the Wall Street Journal, the Washington Post, Public Discourse, and First Things; he has conducted print, radio, and television interviews on bioethics topics with The New York Times, the Los Angeles Times, CNN, Fox, and NPR. On matters of public policy and healthcare he has addressed the California Medical Association and has testified before the California Senate Health Committee.Join the 'Beyond Feudalism' Facebook group to share your story, ask questions and connect with other citizen leaders: https://www.facebook.com/groups/beyondfeudalismTweet thoughts: @joelkotkin, @mtoplansky, #FeudalFuture #BeyondFeudalismLearn more about Joel's book 'The Coming of Neo-Feudalism': https://amzn.to/3a1VV87Sign Up For News & Alerts: http://joelkotkin.com/#subscribeThis show is presented by the Chapman Center for Demographics and Policy, which focuses on research and analysis of global, national and regional demographic trends and explores policies that might produce favorable demographic results over time.
Today's episode is the first in a three-part series covering guidelines for going back to school for in-person learning for the 2021-2022 school year. It's hard to believe that we are here on the cusp of beginning another school year, and as with the last two school years, COVID-19 has changed everything for students, educators, and parents. Join us for this three-part guide to everything you need to know and the momentum you need to kick off a new school year. We are discussing COVID-19 guidelines, safety protocols, and the recent teacher vaccine mandate in California. Show Highlights: The Safe Schools for All Hub through the www.cde.ca.gov website is THE place to go for updates and guidelines from the CA Department of Public Health. The main components of the guidelines for schools include: recommended vaccines for everyone over age 12 and a mask mandate for all to allow less social distancing within school activities Mask mandates (with medical exemptions) are identified as part of the best practices for schools, and districts have been busy developing their testing protocols. After a positive COVID-19 diagnosis, the requirements for returning to school are as follows: A negative COVID-19 test 24 hours fever-free (without using fever-reducing medications) Improvement of all symptoms **With any positive COVID-19 test, the guideline is for the person to isolate at home for ten days, even if they have no symptoms Assembly Bill 86, approved in March, requires schools to report COVID-19 cases to their local public health department. If a vaccinated person comes into close contact (per CDC definition) with a positive COVID-19 case, they only have to quarantine if they show symptoms. These safety protocols have to be documented to account for various scenarios and posted on schools' websites before the school year begins. The recommendation remains that schools limit non-essential visitors, volunteers, and activities for those not fully vaccinated. Why it is still important to conduct meetings virtually when possible so as to limit exposure for those under vaccination age Hand-washing hygiene and rigorous cleaning recommendations are still in place, as well as maximum social distancing when possible for school activities. As of August 11, CA Governor Newsome stated that teachers in CA be fully vaccinated or submit to weekly COVID-19 testing. CA has 6.1 million students and 550,000 teachers (about 90% of teachers are vaccinated so far) Links/Resources: Thank you for listening! We welcome your questions regarding the new school year, guidelines, and protocols, so send them in! Don't forget to SUBSCRIBE to the show to receive every new episode delivered straight to your podcast player every Tuesday. If you enjoyed this episode and believe in our message, then please help us get the word out about this podcast. Rate and Review this show in Apple Podcasts, Stitcher Radio, or Google Play. It helps other listeners find this show. Be sure to connect with us and reach out with any questions/concerns: Facebook Instagram Twitter IEP website This podcast is for informational and educational purposes only. It is not to be construed as legal advice specific to your circumstances. If you need help with any legal matters, be sure to consult with an attorney regarding your specific needs.
Nkechi Michel, MPH, CHES is a Public Health Advocate and Educator for the Obesity Prevention Program, SNAP-Ed in Sacramento, CA. Working in community health, she loves helping people and being on the ground. Her biggest passions include nutrition and environmental racism. She is the Founder of @thatpublichealthchick, her Instagram platform where she loves to share public health messages and engage with people virtually. Queenivism is her website where she has a public health merchandise line of clothing and accessories that she designed to get people sharing, thinking about and promoting public health, health equity, and activism. In This Episode We Cover: - Her decision to initially go into nursing and how she quickly decided to pivot into public health. - Her experience starting out as a peer-health educator. - Her current position at the CA Department of Health SNAP-Ed program and her focus on obesity prevention, increasing food access, and improving the food environment overall. - How the pandemic has shifted her work to more virtual platforms. - The different community partners she works with and the community’s receptiveness to her public health education. - All about her Instagram platform @thatpublichealthchick, how and what she decides to post, and her engagement with the public health community. - What she is doing to promote and work towards health equity. - All about her merchandise line and how it is helping spread the message and increase awareness around public health, activism, and health equity. Advice for Public Health Professionals: Start by taking a class. Take public health 101 and see where it takes you. Reach out to people who are already doing the work. It’s a matter of doing research, exploring, reaching out to folks already doing it, asking questions, and volunteering. See what it is that can be done in public health. Feel it out and see what impact it can really make. Connect: - Instagram: @thatpublichealthchick - Website: queenivism.com
Welcome to Connect, a podcast featuring one-on-one interviews with some of the top movers-and-shakers in the mortgage industry. Our 42nd episode features Michael Flynn, Of Counsel, Buchalter. This episode covers a variety of topics including: 3:08 - What’s your background? What drew you into the legal field, and how did you end up at Buchalter? 5:57 – What was a bigger challenge – your time during the financial crisis at HUD, or the following years in the industry? 8:26 - What are you hearing from lender clients right now about the biggest challenge they anticipate in 2020? 10:49 - It appears at this point that Joe Biden will be inaugurated on January 20 – how quickly do you think that mortgage bankers will see a different approach from either the CFPB or other regulators? 15:04 - What should we be keeping an eye on coming out of the newly-minted CA Department of Financial Protection and Innovation? 18:25 - Of the bills recently signed in to law by Gov. Newsom, what are some of the big impacts you foresee? 24:56 - Where are we at with the residential eviction moratoria, and what are we likely to see next year? 27:43 - What’s one thing lenders can do right now to protect their businesses and mitigate liability risk? 29:53 - How crucial is the industry’s advocacy efforts right now, both in CA and DC? Join the conversation | Bank CRE Lending Report and CREF Ecosytem Outlook Conclave, happening December 8th —> https://lnkd.in/g8BxdrC Thank you to our sponsor, Insellerate. To learn more visit insellerate.com or call 855-973-1646 To learn more about the California MBA visit www.cmba.com and don't forget to subscribe to our podcast and stay tuned for our next episode!
Dr. Phil speaks with Head Deputy District Attorney Jennifer Lentz Snyder and Deputy Commissioner George Mueller, CA Department of Insurance Enforcement Branch about high profile cases, fraud and ways to empower the community.
1. Assam government spells out austerity measures in the wake of Corona outbreak - As anticipated, the State government has taken a slew of measures to cut its cost in the wake of the new Coronavirus pandemic outbreak. Announcing the austerity measures taken by the government before the media here on Wednesday, State Finance Minister Himanta Biswa Sarma said, “Not only Assam, the entire nation is ridden with a financial crisis in the wake of coronavirus pandemic.” 2. Bhutan extends relief packages to border villagers in India during nationwide lockdown - The Bhutan-India Friendship Association (BIFA – Gelephu Chapter) of Bhutan has extended generous help to border villagers on the Indian side who are suffering due to the nationwide lockdown. The BIFA distributed relief packages to 610 families in the Datgari and Hatisar areas of India through the Village Council Development Committees. 3. Three media persons arrested on charges of extortion in Namrup - Three media persons of Namrup have been arrested on a number of charges and legal action initiated against them. The trio identified as Bitu Boruah, Hiren Gogoi and Samiron Boruah was sent to Dibrugarh Jail on Wednesday. Based on an email received at the office of the DC, Dibrugarh, an FIR was registered as Namrup PS case No 62/20 u/s 120B/342/353/387/419/468/34 IPC on Tuesday. This relates to an incident where some media persons of the Namrup area were found stopping vehicles to check documents citing authorization by the DC, Dibrugarh. They had, allegedly, demanded money from truck drivers. 4. Licenses of 8 Fair Prices FP shops suspended in Dibrugarh - District Food, Civil Supplies and Consumer Affairs (FCS&CA) Department has suspended licenses of eight fair prices shops scattered in the district so far on charges of corruption in distribution of subsidized commodities to the beneficiaries and other irregularities. Superintendent of Food Civil Supplies and Consumer Forum (FCS&CA),Jugananda Changmai, who is functioning as a licensing authority, FCS&CA, Dibrugarh, has cancelled the PDS license granted in the name of Nikhil Bhagawati under Nigam Balijan village, Naharkotia with immediate effect on charges of corruption in distributing rice to beneficiaries under National Food Security Act (NFSA), 2013. 5. 13 swab samples from Lakhimpur sent for Corona test - The Lakhimpur District Health Department sent 13 swab samples to the Regional Viral Research and Diagnostic Laboratory, ICMR, RMRC of Dibrugarh district for novel coronavirus test on Wednesday. Of them, 11 swab samples were sent for repeat test while the rest two are the swab samples collected afresh from two persons with suspected coronavirus exposure. 6. Sale of high-yielding rice variety at Regional Agricultural Research Station, North Lakhimpur - The Regional Agricultural Research Station (RARS), North Lakhimpur under Assam Agriculture University (AAUA) has managed to sell the seeds of high yielding rice variety innovated in various research stations under the university. The seeds of the rice variety are suitable for the upcoming kharif season. Intending seed wholesalers, retail sellers and farmers can purchase the seeds at Rs. 38 per kilogram, the price fixed by AAU, at the outlet of the RARS located at Boicha-Gorumuriya during the office days from 10 am to 2.30 pm. 7. Coronavirus update: Chief Minister Sarbananda Sonowal rings up senior citizens - Chief Minister Sarbananda Sonowal on Wednesday called several senior citizens of the State over the phone and enquired about their health condition in the wake of novel coronavirus pandemic. Chief Minister while talking to them informed about various steps taken by the State government to deal with the pandemic.
Until his recent retirement, Bill Somer was a Sr. Environmental Scientist with the CA Department of Fish and Wildlife. Much of his career was spent working on the conservation of a native species of cutthroat trout, the Paiute. Once on the brink of extinction, this fish has made an impressive comeback thanks to the hard work of folks like Bill and his colleagues. In this episode, we talk about the history of the Paiute cutthroat, the threats this species has faced, and the recovery efforts by the Department of Fish and Wildlife.
There has been a lot swirling around about whether or not it's a good idea to do a forbearance on your mortgage. Initially, in the beginning, it sounded like a good idea but as the weeks have trailed along, we've come to realize, it's not a good idea. Today, I sat down with Wes Shaw from Movement Mortgage to talk about why you may want to think twice before you put your mortgage on hold. Make not mistake, if you can't afford to make the payment, definitely take the options your servicer is offering, however, know what you are getting into before you agree to anything. For more information on this you can reach out to me at 619-818-2992 or you can call Wes Shaw at Movement Mortgage at 858-888-5270. CA-DBO272036 | Movement Mortgage, LLC supports Equal Housing Opportunity. NMLS ID# 39179 (For licensing information, go to: www.nmlsconsumeraccess.org) | 877-314-1499. Movement Mortgage, LLC is licensed by CA Department of Business Oversight under the California Residential Mortgage Lending Act # 4131054. Interest rates and products are subject to change without notice and may or may not be available at the time of loan commitment or lock-in. Borrowers must qualify at closing for all benefits. “Movement Mortgage” is a registered trademark of the Movement Mortgage, LLC, a Delaware limited liability company. 8024 Calvin Hall Rd, Indian Land, SC 29707. Chris Spade Keller Williams San Diego Metro CA BRE #01785713 CA BRE #01295699 --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app Support this podcast: https://anchor.fm/chris-spade/support
On this episode: Special guest, Dr. Aaron Kheriaty talks about managing anxiety during hard times. Dr. Kheriaty is Director of the Medical Ethics Program at UCI Health. He serves as chairman of the medical ethics committees at UCI Hospital and at the CA Department of State Hospitals.
Watch Mom Live on YouTube! We just finished our Maiden Voyage of YouTube Live! We will be bringing our show to you weekly by live stream on our YouTube Channel. Subscribe to our channel now and enable notifications to watch us record all of the content that you love, live from our studio! You can reach our channel by clicking on the following link YouTube Live Stream How do you get through to Mom? Email is a fantastic way to get through to the Mortgage Mom, debbie@mortgagemomradio.com. Text messages and phone calls are great too! Do you know how to contact us? Text the word "MOM" to 474747 or give us a call 844-935-3634! Download our Phone App loaded with every mortgage tool that you could need, and last but not least, watch our Homebuyer Workshop Series on YouTube! AZ-0941504, CA-DBO237926, GA-69178, IL-031.0058339, NV-57237, OR, TN-184373, TX, WA-MLO-237926 | Movement Mortgage, LLC supports Equal Housing Opportunity. NMLS ID# 39179 (For licensing information, go to: www.nmlsconsumeraccess.org) | 877-314-1499. Movement Mortgage, LLC is licensed by AZ # 0918544, CA Department of Business Oversight under the California Residential Mortgage Lending Act # 4131054, GA # 23002, IL # MB.6760898, NV # 3401, OR # ML-5081, TN # 112748, TX, WA # CL-39179.
At the end of every year, we receive all of the updates and changes to guidelines and loan programs. This year we received fantastic news that the Conventional and FHA loan limits are being increased. This very well may help you, even if you already have your loan. This is big news for both purchase and refinance transactions. Miss lasts weeks show? Don't worry about it, I have all the podcasts up from last week you just have to go back and listen to them. We talked about some really helpful things you won't want to miss out on, so go back and listen you won't want to miss out on it! How do you get through to Mom? Email is a fantastic way to get through to the Mortgage Mom, debbie@mortgagemomradio.com. Text messages and phone calls are great too! Do you know how to contact us? Text the word "MOM" to 474747 or give us a call 844-935-3634! Download our Phone App loaded with every mortgage tool that you could need, and last but not least, watch our Homebuyer Workshop Series on YouTube! AZ-0941504, CA-DBO237926, GA-69178, IL-031.0058339, NV-57237, OR, TN-184373, TX, WA-MLO-237926 | Movement Mortgage, LLC supports Equal Housing Opportunity. NMLS ID# 39179 (For licensing information, go to: www.nmlsconsumeraccess.org) | 877-314-1499. Movement Mortgage, LLC is licensed by AZ # 0918544, CA Department of Business Oversight under the California Residential Mortgage Lending Act # 4131054, GA # 23002, IL # MB.6760898, NV # 3401, OR # ML-5081, TN # 112748, TX, WA # CL-39179.
Mark Wilson Show 09/24/19 seg 4 Will Democrats impeach trump & ca department of Re education
My homebuyer workshops cover everything you need to know about the home buying process. Learning about the home buying process will get you ready to start searching for homes rather than dreaming while you watch those famous HGTV shows. Workshop 202 focuses on the steps you take after you have signed your contract and opened escrow. How do you get through to Mom? Email is a fantastic way to get through to the Mortgage Mom! Debbie@MortgageMomRadio.com Text messages and phone calls are great too! Do you know how to contact us? Text the word "MOM" to 474747 or give us a call 844-935-3634! Download our Phone App loaded with every mortgage tool that you could need, and last but not least, watch our weekly Homebuyer Workshop Series on YouTube! Debbie Marcoux CA-DBO237926, AZ-0941504, TX, NV-57237 | JMJ Financial supports Equal Housing Opportunity. NMLS ID# 167867 (http://www.nmlsconsumeraccess.org/) | 877-314-1499. JMJ Financial is licensed by "CA Department of Business Oversight under the California Residential Mortgage Lending Act" # 41DBO-46011, AZ # 0943949, TX #167867. Interest rates and products are subject to change without notice and may or may not be available at the time of loan commitment or lock-in. Borrowers must qualify at closing for all benefits.
If there's a specific topic in the home buying process that you don't understand, choose the one that suits your needs or binge watch them all! Instead of watching those beautiful homes on HGTV and The Property Brothers, let's get you into your a home of your own! How do you get through to Mom? Email is a fantastic way to get through to the Mortgage Mom! Debbie@MortgageMomRadio.com Text messages and phone calls are great too! Do you know how to contact us? Text the word "MOM" to 474747 or give us a call 844-935-3634! Download our Phone App loaded with every mortgage tool that you could need, and last but not least, watch our weekly Homebuyer Workshop Series on YouTube! Debbie Marcoux CA-DBO237926, AZ-0941504, TX, NV-57237 | JMJ Financial supports Equal Housing Opportunity. NMLS ID# 167867 (http://www.nmlsconsumeraccess.org/) | 877-314-1499. JMJ Financial is licensed by "CA Department of Business Oversight under the California Residential Mortgage Lending Act" # 41DBO-46011, AZ # 0943949, TX #167867. Interest rates and products are subject to change without notice and may or may not be available at the time of loan commitment or lock-in. Borrowers must qualify at closing for all benefits.
We are licensed in multiple states. Where are you looking for financing? Listen as Alex answers many of your text messages as well as explaining how we handle loans in Hawaii. How do you get through to Mom? Email is a fantastic way to get through to the Mortgage Mom! Debbie@MortgageMomRadio.com Text messages and phone calls are great too! Do you know how to contact us? Text the word "MOM" to 474747 or give us a call 844-935-3634! Download our Phone App loaded with every mortgage tool that you could need, and last but not least, watch our weekly Homebuyer Workshop Series on YouTube! Debbie Marcoux CA-DBO237926, AZ-0941504, TX, NV-57237 | JMJ Financial supports Equal Housing Opportunity. NMLS ID# 167867 (http://www.nmlsconsumeraccess.org/) | 877-314-1499. JMJ Financial is licensed by "CA Department of Business Oversight under the California Residential Mortgage Lending Act" # 41DBO-46011, AZ # 0943949, TX #167867. Interest rates and products are subject to change without notice and may or may not be available at the time of loan commitment or lock-in. Borrowers must qualify at closing for all benefits.
Meet the latest addition to my team: Alex Wilson! Alex will be filling in for me while I am away, answering your phone calls, emails and text messages. Let's test her knowledge and answer some of your texts! How do you get through to Mom? Email is a fantastic way to get through to the Mortgage Mom! Debbie@MortgageMomRadio.com Text messages and phone calls are great too! Do you know how to contact us? Text the word "MOM" to 474747 or give us a call 844-935-3634! Download our Phone App loaded with every mortgage tool that you could need, and last but not least, watch our weekly Homebuyer Workshop Series on YouTube! Debbie Marcoux CA-DBO237926, AZ-0941504, TX, NV-57237 | JMJ Financial supports Equal Housing Opportunity. NMLS ID# 167867 (http://www.nmlsconsumeraccess.org/) | 877-314-1499. JMJ Financial is licensed by "CA Department of Business Oversight under the California Residential Mortgage Lending Act" # 41DBO-46011, AZ # 0943949, TX #167867. Interest rates and products are subject to change without notice and may or may not be available at the time of loan commitment or lock-in. Borrowers must qualify at closing for all benefits.
Big news coming from The Federal Reserve tomorrow. What does this mean to you as a homeowner, and a homebuyer? We'll find out how mortgage interest rates are affected. The announcement happens on July 31. What does that mean for you? Go back and listen to my podcasts this past week for all of the best education and advice from The Mortgage Mom. How do you get through to Mom? Email is a fantastic way to get through to the Mortgage Mom! Debbie@MortgageMomRadio.com Text messages and phone calls are great too! Do you know how to contact us? Text the word "MOM" to 474747 or give us a call 844-935-3634! Download our Phone App loaded with every mortgage tool that you could need, and last but not least, watch our weekly Homebuyer Workshop Series on YouTube! Debbie Marcoux CA-DBO237926, AZ-0941504, TX, NV-57237 | JMJ Financial supports Equal Housing Opportunity. NMLS ID# 167867 (http://www.nmlsconsumeraccess.org/) | 877-314-1499. JMJ Financial is licensed by "CA Department of Business Oversight under the California Residential Mortgage Lending Act" # 41DBO-46011, AZ # 0943949, TX #167867. Interest rates and products are subject to change without notice and may or may not be available at the time of loan commitment or lock-in. Borrowers must qualify at closing for all benefits.
Real estate is for the long haul, and even if property values go down, its an important investment. We get your phone calls! Here's one from Anna in Fountain Valley, listen to her stories and how her advice could benefit you as well! How do you get through to Mom? Email is a fantastic way to get through to the Mortgage Mom! Debbie@MortgageMomRadio.com Text messages and phone calls are great too! Do you know how to contact us? Text the word "MOM" to 474747 or give us a call 844-935-3634! Download our Phone App loaded with every mortgage tool that you could need, and last but not least, watch our weekly Homebuyer Workshop Series on YouTube! Debbie Marcoux CA-DBO237926, AZ-0941504, TX, NV-57237 | JMJ Financial supports Equal Housing Opportunity. NMLS ID# 167867 (http://www.nmlsconsumeraccess.org/) | 877-314-1499. JMJ Financial is licensed by "CA Department of Business Oversight under the California Residential Mortgage Lending Act" # 41DBO-46011, AZ # 0943949, TX #167867. Interest rates and products are subject to change without notice and may or may not be available at the time of loan commitment or lock-in. Borrowers must qualify at closing for all benefits.
If you're thinking about switching careers, will if affect your homeownership options? Can you make the change during your purchase or refinance transaction? Don't forget to call Mom first! How do you get through to Mom? Email is a fantastic way to get through to the Mortgage Mom! Debbie@MortgageMomRadio.com Text messages and phone calls are great too! Do you know how to contact us? Text the word "MOM" to 474747 or give us a call 844-935-3634! Download our Phone App loaded with every mortgage tool that you could need, and last but not least, watch our weekly Homebuyer Workshop Series on YouTube! Debbie Marcoux CA-DBO237926, AZ-0941504, TX, NV-57237 | JMJ Financial supports Equal Housing Opportunity. NMLS ID# 167867 (http://www.nmlsconsumeraccess.org/) | 877-314-1499. JMJ Financial is licensed by "CA Department of Business Oversight under the California Residential Mortgage Lending Act" # 41DBO-46011, AZ # 0943949, TX #167867. Interest rates and products are subject to change without notice and may or may not be available at the time of loan commitment or lock-in. Borrowers must qualify at closing for all benefits.
This past week, Fed Chair Jerome Powell reaffirmed the Federal Reserve's dovish position as he testified on Capitol Hill, thereby paving the way for the first Fed rate cut in 10 years later this month. Mr. Powell used the word "uncertainties" five times in his prepared speech to describe potential headwinds to the U.S. economy. When things are "uncertain", here or around the globe, it's the Fed's job to be "accommodative" and provide easy monetary policy to stimulate growth and investment, and boost confidence. Here's what we have to consider now that the Fed is going to cut rates -- potentially by as much as .50% on July 31. Fed rate cuts are designed to weaken the U.S. dollar, promote inflation, stimulate the economy, boost Stock prices, boost confidence, and lift some uncertainty. This is really good news for the economy and housing but at the same time, home loan rates will not move lower in lockstep with a Fed rate cut. In fact, we might see a limit to how low home loan rates move in the near-term as we see how Fed rate cuts make their impact on the economy. However, there is a tug of war happening which continues to pull our rates lower, and that is the declining global yields in places like Germany, Spain, and Japan. Due to "uncertainties" within their economies, their Bond yields and interest rates continue to decline, and as a result our Treasuries and Mortgage Bonds push higher in price and lower in rate as well. Bottom line: The Goldilocks scenario for housing continues. We are seeing home loan rates near the best levels in two years and the Fed is about to embark on rate cuts which are designed to help the U.S. economy avoid a recession. Clients should understand that if the Fed is successful, and the recession fears lift, home loan rates may not improve much further. If you or someone you know has questions about home loans, give me a call. I'd be happy to help. How do you get through to Mom? Email is a fantastic way to get through to the Mortgage Mom! Debbie@MortgageMomRadio.com Text messages and phone calls are great too! Do you know how to contact us? Text the word "MOM" to 474747 or give us a call 844-935-3634! Download our Phone App loaded with every mortgage tool that you could need, and last but not least, watch our weekly Homebuyer Workshop Series on YouTube! Debbie Marcoux CA-DBO237926, AZ-0941504, TX, NV-57237 | JMJ Financial supports Equal Housing Opportunity. NMLS ID# 167867 (http://www.nmlsconsumeraccess.org/) | 877-314-1499. JMJ Financial is licensed by "CA Department of Business Oversight under the California Residential Mortgage Lending Act" # 41DBO-46011, AZ # 0943949, TX #167867. Interest rates and products are subject to change without notice and may or may not be available at the time of loan commitment or lock-in. Borrowers must qualify at closing for all benefits.
Do you have a question that you would like to ask me? You too can always text MOM to 474747 and ask your questions as well! In this episode, we received text messages about a homeowner moving out of state, I give FHA and VA refinance details, and I explain the magic of streamlined refinances. How do you get through to Mom? Email is a fantastic way to get through to the Mortgage Mom! Debbie@MortgageMomRadio.com Text messages and phone calls are great too! Do you know how to contact us? Text the word "MOM" to 474747 or give us a call 844-935-3634! Download our Phone App loaded with every mortgage tool that you could need, and last but not least, watch our weekly Homebuyer Workshop Series on YouTube! Debbie Marcoux CA-DBO237926, AZ-0941504, TX, NV-57237 | JMJ Financial supports Equal Housing Opportunity. NMLS ID# 167867 (http://www.nmlsconsumeraccess.org/) | 877-314-1499. JMJ Financial is licensed by "CA Department of Business Oversight under the California Residential Mortgage Lending Act" # 41DBO-46011, AZ # 0943949, TX #167867. Interest rates and products are subject to change without notice and may or may not be available at the time of loan commitment or lock-in. Borrowers must qualify at closing for all benefits.
I receive numerous text messages and phone calls weekly that are focused around divorce. One question received this week was in regards to the other spouse being responsible for debt that didn't get paid. Does this affect the outcome of applying for a mortgage? Are there ways around the damaged credit score due to your ex's poor payment history? I take my time to explain the importance of a complete application and the option of manual underwriting in these circumstances. Listen now to learn more! If you have a question for me too, please don't hesitate to reach out! Text "MOM" to 474747. Download our Phone App loaded with every mortgage tool that you could need, and last but not least, watch our weekly Homebuyer Workshop Series on YouTube! Debbie Marcoux CA-DBO237926, AZ-0941504, TX, NV-57237 | JMJ Financial supports Equal Housing Opportunity. NMLS ID# 167867 (http://www.nmlsconsumeraccess.org/) | 877-314-1499. JMJ Financial is licensed by "CA Department of Business Oversight under the California Residential Mortgage Lending Act" # 41DBO-46011, AZ # 0943949, TX #167867. Interest rates and products are subject to change without notice and may or may not be available at the time of loan commitment or lock-in. Borrowers must qualify at closing for all benefits.
If your in the market to buy a home and wondering what closing costs are and how much that they will be, check out my YouTube Channel. I have a workshop that is specific to closing costs for a new home purchase. WATCH NOW Looking to refinance and want to know about the closing costs that you will experience? Give me a call, I'd be more than happy to go over those with you personally. How do you get through to Mom? Email is a fantastic way to get through to the Mortgage Mom! Debbie@MortgageMomRadio.com Text messages and phone calls are great too! Do you know how to contact us? Text the word "MOM" to 474747 or give us a call 844-935-3634! Download our Phone App loaded with every mortgage tool that you could need, and last but not least, watch our weekly Homebuyer Workshop Series on YouTube! Debbie Marcoux CA-DBO237926, AZ-0941504, TX, NV-57237 | JMJ Financial supports Equal Housing Opportunity. NMLS ID# 167867 (http://www.nmlsconsumeraccess.org/) | 877-314-1499. JMJ Financial is licensed by "CA Department of Business Oversight under the California Residential Mortgage Lending Act" # 41DBO-46011, AZ # 0943949, TX #167867. Interest rates and products are subject to change without notice and may or may not be available at the time of loan commitment or lock-in. Borrowers must qualify at closing for all benefits.
Is an interest rate at 4.625% too high? It truly depends on your scenario. There are so many factors that go into the interest rate available to you. Before you make a phone call to receive a quote, have the following information ready to relay to me or the lender that you call: Current Mortgage Balance? Approximate Property Value? Do you have a home equity line of credit? If yes, how much do you owe? Are you looking to pay it off with this new loan? If you would like cash out in hand at closing, how much would you like? Credit/Fico Score? Do you include your taxes and insurance in your monthly payment? Property Type (Single Family, Condo/Townhome, 2-4 Units Occupancy (primary, second, investment) If you are purchasing a home, many of the same factors will be asked: Purchase Price Down Payment? Credit/Fico Score? Property Type? Occupancy Will you include your taxes and insurance in your monthly payment? Do you want a personal quote, just call me, I'd be more than happy to help you directly! How do you get through to Mom? Email is a fantastic way to get through to the Mortgage Mom! Debbie@MortgageMomRadio.com Text messages and phone calls are great too! Do you know how to contact us? Text the word "MOM" to 474747 or give us a call 844-935-3634! Download our Phone App loaded with every mortgage tool that you could need, and last but not least, watch our weekly Homebuyer Workshop Series on YouTube! Debbie Marcoux CA-DBO237926, AZ-0941504, TX, NV-57237 | JMJ Financial supports Equal Housing Opportunity. NMLS ID# 167867 (http://www.nmlsconsumeraccess.org/) | 877-314-1499. JMJ Financial is licensed by "CA Department of Business Oversight under the California Residential Mortgage Lending Act" # 41DBO-46011, AZ # 0943949, TX #167867. Interest rates and products are subject to change without notice and may or may not be available at the time of loan commitment or lock-in. Borrowers must qualify at closing for all benefits.
Make the first step towards owning your own home today! Your home purchase and the equity that you create with help to build your financial future! Workshop 201 focuses on Finding the right real estate agent for you and your family. Learn what those important questions are that you should be asking to identify the right person for you. If you missed Workshop's 101-106, go back and watch those as we are bringing you start to finish through the home buying process! Subscribe now to get updates as we release new homebuyer workshops and our refinance series coming soon! How do you get through to Mom? Email is a fantastic way to get through to the Mortgage Mom! Debbie@MortgageMomRadio.com Text messages and phone calls are great too! Do you know how to contact us? Text the word "MOM" to 474747 or give us a call 844-935-3634! Download our Phone App loaded with every mortgage tool that you could need, and last but not least, watch our weekly Homebuyer Workshop Series on YouTube! Debbie Marcoux CA-DBO237926, AZ-0941504, TX, NV-57237 | JMJ Financial supports Equal Housing Opportunity. NMLS ID# 167867 (http://www.nmlsconsumeraccess.org/) | 877-314-1499. JMJ Financial is licensed by "CA Department of Business Oversight under the California Residential Mortgage Lending Act" # 41DBO-46011, AZ # 0943949, TX #167867. Interest rates and products are subject to change without notice and may or may not be available at the time of loan commitment or lock-in. Borrowers must qualify at closing for all benefits.
3 Invaluable Lessons from Jeanne Kuttel Bringing together a strong team is one of the most rewarding things you can do. You need to have a holistic and broader view while also providing details. Keep succession planning in mind and start thinking about who a good candidate could be to take your place one day. This week, host Sue Dyer speaks with Jeanne Kuttel about The Oroville Dam Project, how to partner on a complex project with a tight deadline, and why succession planning is so important. About Guest Jeanne Kuttel (1:08) Jeanne Kuttel is the Chief of the Division of Engineering for the California Department of Water Resources. Jeanne has a BS and an MS from UC Davis and is a licensed Civil Engineer. She’s been in her current position for the last six years. Jeanne’s Journey to Becoming the Chief of the Division of Engineering for the CA Department of Water Resources (2:15) She started working at the DWR straight out of school She started as a designer doing different types of projects including restoration She became more focused on overall project delivery and building good teams She was selected to lead the Division of Engineering and has about 350 staff that reports to her in a broad spectrum of positions About the CA Department of Water Resources and the Global Outlook (4:40) The department is diverse with a lot of amazing opportunities With water there is generally too much or too little, so the department oversees all water resource functions for the State of California They have one of the largest water projects in the world The department does both drought and flood work About Winning the International Partner Project of the Year Award (8:40) They got significant rainfall in Oroville, CA and the spillway was used They discovered a huge crater in the spillway and they had a short amount of time to fix it Jeanne kicked off a team and brought people from all over to get the spillway functional for the next year They shut the spillway off for the 2017 season and began to demolish it The Executive team partnered every two weeks The teams worked 24/7 and completed the project at 10:00 am on the deadline day In the winter they came up with more plans and in the Spring of 2018, they worked to complete the rest of the projects About Jeanne’s Partnering Steering Committee (16:30) For most of 2017, she was working almost exclusively on running the Oroville program. Prior to that, she was developing plans to start a robust Partnering Program. They started a Steering Committee to better understand the perspective of the industry and change the culture internally. About the CA Department of Water Field Guide (21:00) The Field Guide includes many best practices and how to train staff The Guide helps get the word out to Partnering Facilitators and set a baseline for what is expected for partnering at DWR Having the Guide allows the staff at DWR and the contractor staff all have a consistent Field Guide The Field Guide is always a work in progress and being improved The Role that Partnering Played in the Oroville Spillway Dam Project (24:03) The commitment to partnering goes on the department side, with the contractor, and regulatory agencies. Having everyone be a participating in their partnering meetings allowed the fast-paced project to be a success. Having the Facilitator kept everyone accountable to their commitments. Partnering allowed them to focus on what was in the best interest of the project. What Will Change on Other Projects Based on What Jeanne Has Learned on the Oroville Spillway Project (26:55) Failure is not an option Have robust contingency plans Contingency planning can be applied to nearly every project and partnering meetings are a big part of that The Biggest Challenge Jeanne Has Ever Faced (29:12) The biggest challenge was tied to Oroville because they had such a huge list. Throughout the state of California, there was a lot of other flooding at the same time. Bringing together an amazing team was extremely rewarding. Jeanne’s Greatest Strength as a Leader (32:22) She has a diverse amount of project experience and the people who work for her appreciate that she understands all the facets of the work. She has a sense of compassion for all the challenges that people may face in a project. The Best Advice Jeanne Has Ever Gotten (34:30) Plan for your retirement. Make an investment in yourself so that you have options when the time comes. Jeanne’s Favorite Piece of Tech (36:34) Jeanne uses her cell phone and always has Bluetooth in her car. Resources for Listeners (37:47) Recommended Video: Oroville Dam Spillways Fast Facts Contact Jeanne Connect on LinkedIn Jeanne’s Parting Advice (41:13) Take a long and hard look at succession planning and start recruiting people now. Educate people about what you do and create interest. Figure out who your successor will be and then teach people and mentor them. Construction Nation! Dream Teams don’t just happen they are built one step at a time. Check out Constructiondreamteam.com/Resources to see all of the books, websites, etc. that our guests have recommended. Remember…Construction Dream Team drops every Monday morning at 4 am PST. Please join us next week when Sue will interview another industry leader or expert so you can learn how to create your Construction Dream Team! Please head on over to ConstructionDreamTeam.com to sign up for our newsletter and don’t forget to subscribe on iTunes, Stitcher, Google Play, or Spotify!
Reasons why you shouldn't wait to buy a home in this episode. Let's tell you about the next episode of the Mortgage Mom Webinar. How to choose the right real estate agent! How do you get through to Mom? Email is a fantastic way to get through to the Mortgage Mom! Debbie@MortgageMomRadio.com Text messages and phone calls are great too! Do you know how to contact us? Text the word "MOM" to 474747 or give us a call 844-935-3634! Download our Phone App loaded with every mortgage tool that you could need, and last but not least, watch our weekly Homebuyer Workshop Series on YouTube! Debbie Marcoux CA-DBO237926, AZ-0941504, TX, NV-57237 | JMJ Financial supports Equal Housing Opportunity. NMLS ID# 167867 (http://www.nmlsconsumeraccess.org/) | 877-314-1499. JMJ Financial is licensed by "CA Department of Business Oversight under the California Residential Mortgage Lending Act" # 41DBO-46011, AZ # 0943949, TX #167867. Interest rates and products are subject to change without notice and may or may not be available at the time of loan commitment or lock-in. Borrowers must qualify at closing for all benefits.
His credit isn’t perfect but has 100k cash in his pocket, from selling two mobile homes. What's next for our friend Wayne with credit challenges? Listen to this episode to learn more. How do you get through to Mom? Email is a fantastic way to get through to the Mortgage Mom! Debbie@MortgageMomRadio.com Text messages and phone calls are great too! Do you know how to contact us? Text the word "MOM" to 474747 or give us a call 844-935-3634! Download our Phone App loaded with every mortgage tool that you could need, and last but not least, watch our weekly Homebuyer Workshop Series on YouTube! Debbie Marcoux CA-DBO237926, AZ-0941504, TX, NV-57237 | JMJ Financial supports Equal Housing Opportunity. NMLS ID# 167867 (http://www.nmlsconsumeraccess.org/) | 877-314-1499. JMJ Financial is licensed by "CA Department of Business Oversight under the California Residential Mortgage Lending Act" # 41DBO-46011, AZ # 0943949, TX #167867. Interest rates and products are subject to change without notice and may or may not be available at the time of loan commitment or lock-in. Borrowers must qualify at closing for all benefits.
Current Homeowners are underwater, and waiting too long to get back on track. When it comes to purchasing a home, it's not a good idea to wait. How do you get through to Mom? Email is a fantastic way to get through to the Mortgage Mom! Debbie@MortgageMomRadio.com Text messages and phone calls are great too! Do you know how to contact us? Text the word "MOM" to 474747 or give us a call 844-935-3634! Download our Phone App loaded with every mortgage tool that you could need, and last but not least, watch our weekly Homebuyer Workshop Series on YouTube! Debbie Marcoux CA-DBO237926, AZ-0941504, TX, NV-57237 | JMJ Financial supports Equal Housing Opportunity. NMLS ID# 167867 (http://www.nmlsconsumeraccess.org/) | 877-314-1499. JMJ Financial is licensed by "CA Department of Business Oversight under the California Residential Mortgage Lending Act" # 41DBO-46011, AZ # 0943949, TX #167867. Interest rates and products are subject to change without notice and may or may not be available at the time of loan commitment or lock-in. Borrowers must qualify at closing for all benefits.
I usually come to the studio no script, no clue what I’m going to talk about, but this week, I have an agenda! I'm calling these episodes DON'T WAIT! If you need to cash out equity from your home to catch up on your bills or your waiting for the next down turn of the market to buy, Don’t Wait! How do you get through to Mom? Email is a fantastic way to get through to the Mortgage Mom! Debbie@MortgageMomRadio.com Text messages and phone calls are great too! Do you know how to contact us? Text the word "MOM" to 474747 or give us a call 844-935-3634! Download our Phone App loaded with every mortgage tool that you could need, and last but not least, watch our weekly Homebuyer Workshop Series on YouTube! Debbie Marcoux CA-DBO237926, AZ-0941504, TX, NV-57237 | JMJ Financial supports Equal Housing Opportunity. NMLS ID# 167867 (http://www.nmlsconsumeraccess.org/) | 877-314-1499. JMJ Financial is licensed by "CA Department of Business Oversight under the California Residential Mortgage Lending Act" # 41DBO-46011, AZ # 0943949, TX #167867. Interest rates and products are subject to change without notice and may or may not be available at the time of loan commitment or lock-in. Borrowers must qualify at closing for all benefits.
The problems with timeshares and financing! A time share is that it’s not real property. A note and deed of trust cannot be recorded against the property. Mortgage Mom Radio is all about education and advice. What are the waiting periods for a cash out refinance? Learn it all this week on Mortgage Mom Radio! How do you get through to Mom? Email is a fantastic way to get through to the Mortgage Mom! Debbie@MortgageMomRadio.com Text messages and phone calls are great too! Do you know how to contact us? Text the word "MOM" to 474747 or give us a call 844-935-3634! Download our Phone App loaded with every mortgage tool that you could need, and last but not least, watch our weekly Homebuyer Workshop Series on YouTube! Debbie Marcoux CA-DBO237926, AZ-0941504, TX, NV-57237 | JMJ Financial supports Equal Housing Opportunity. NMLS ID# 167867 (http://www.nmlsconsumeraccess.org/) | 877-314-1499. JMJ Financial is licensed by "CA Department of Business Oversight under the California Residential Mortgage Lending Act" # 41DBO-46011, AZ # 0943949, TX #167867. Interest rates and products are subject to change without notice and may or may not be available at the time of loan commitment or lock-in. Borrowers must qualify at closing for all benefits.
William and Jamie call in to work on Jamie's future. We take care of our truckers and Jamie wants a reverse mortgage. Let's talk about what happens after retirement and the equity already earned. Reverse mortgages are fantastic for some, but make sure this type of payment works for you. Call the Mortgage Mom and make sure you know what you're doing. How do you get through to Mom? Email is a fantastic way to get through to the Mortgage Mom! Debbie@MortgageMomRadio.com Text messages and phone calls are great too! Do you know how to contact us? Text the word "MOM" to 474747 or give us a call 844-935-3634! Download our Phone App loaded with every mortgage tool that you could need, and last but not least, watch our weekly Homebuyer Workshop Series on YouTube! Debbie Marcoux CA-DBO237926, AZ-0941504, TX, NV-57237 | JMJ Financial supports Equal Housing Opportunity. NMLS ID# 167867 (http://www.nmlsconsumeraccess.org/) | 877-314-1499. JMJ Financial is licensed by "CA Department of Business Oversight under the California Residential Mortgage Lending Act" # 41DBO-46011, AZ # 0943949, TX #167867. Interest rates and products are subject to change without notice and may or may not be available at the time of loan commitment or lock-in. Borrowers must qualify at closing for all benefits.
Remodeling the kitchen? Putting in a pool? Let's talk about how to make that happen. The Mortgage Mom talks through how much is owed and what to do to make your neighbors jealous. How do you get through to Mom? Email is a fantastic way to get through to the Mortgage Mom! Debbie@MortgageMomRadio.com Text messages and phone calls are great too! Do you know how to contact us? Text the word "MOM" to 474747 or give us a call 844-935-3634! Download our Phone App loaded with every mortgage tool that you could need, and last but not least, watch our weekly Homebuyer Workshop Series on YouTube! Debbie Marcoux CA-DBO237926, AZ-0941504, TX, NV-57237 | JMJ Financial supports Equal Housing Opportunity. NMLS ID# 167867 (http://www.nmlsconsumeraccess.org/) | 877-314-1499. JMJ Financial is licensed by "CA Department of Business Oversight under the California Residential Mortgage Lending Act" # 41DBO-46011, AZ # 0943949, TX #167867. Interest rates and products are subject to change without notice and may or may not be available at the time of loan commitment or lock-in. Borrowers must qualify at closing for all benefits.
The Mortgage Mom says it’s NOT too early in the game to refinance. In fact, interest rates right now are great. It may be good timing to refinance your FHA or VA loan. Rates have come down quite a bit and depending on your loan balance, you could end up saving quite a bit. How do you get through to Mom? Email is a fantastic way to get through to the Mortgage Mom! Debbie@MortgageMomRadio.com Text messages and phone calls are great too! Do you know how to contact us? Text the word "MOM" to 474747 or give us a call 844-935-3634! Download our Phone App loaded with every mortgage tool that you could need, and last but not least, watch our weekly Homebuyer Workshop Series on YouTube! Debbie Marcoux CA-DBO237926, AZ-0941504, TX, NV-57237 | JMJ Financial supports Equal Housing Opportunity. NMLS ID# 167867 (http://www.nmlsconsumeraccess.org/) | 877-314-1499. JMJ Financial is licensed by "CA Department of Business Oversight under the California Residential Mortgage Lending Act" # 41DBO-46011, AZ # 0943949, TX #167867. Interest rates and products are subject to change without notice and may or may not be available at the time of loan commitment or lock-in. Borrowers must qualify at closing for all benefits.
The Mortgage Mom has some special information in regards to streamlining your mortgage. Interest rates have hit a two year low. Do you want to take advantage of a better rate but you don’t have the equity that you think that you need? Rates in late 2018 were significantly higher than they are today. It’s time to consider a streamline refinance! Call me and let's talk about it - 844-935-3634 or email me debbie@mortgagemomradio.com How do you get through to Mom? Email is a fantastic way to get through to the Mortgage Mom! Debbie@MortgageMomRadio.com Text messages and phone calls are great too! Do you know how to contact us? Text the word "MOM" to 474747 or give us a call 844-935-3634! Download our Phone App loaded with every mortgage tool that you could need, and last but not least, watch our weekly Homebuyer Workshop Series on YouTube! Debbie Marcoux CA-DBO237926, AZ-0941504, TX, NV-57237 | JMJ Financial supports Equal Housing Opportunity. NMLS ID# 167867 (http://www.nmlsconsumeraccess.org/) | 877-314-1499. JMJ Financial is licensed by "CA Department of Business Oversight under the California Residential Mortgage Lending Act" # 41DBO-46011, AZ # 0943949, TX #167867. Interest rates and products are subject to change without notice and may or may not be available at the time of loan commitment or lock-in. Borrowers must qualify at closing for all benefits.
Email is a fantastic way to get through to the Mortgage Mom! Debbie@MortgageMomRadio.com Text messages and phone calls are great too! Do you know how to contact us? Text the word "MOM" to 474747 or give us a call 844-935-3634! Download our Phone App loaded with every mortgage tool that you could need, and last but not least, watch our weekly Homebuyer Workshop Series on YouTube! Debbie Marcoux CA-DBO237926, AZ-0941504, TX, NV-57237 | JMJ Financial supports Equal Housing Opportunity. NMLS ID# 167867 (http://www.nmlsconsumeraccess.org/) | 877-314-1499. JMJ Financial is licensed by "CA Department of Business Oversight under the California Residential Mortgage Lending Act" # 41DBO-46011, AZ # 0943949, TX #167867. Interest rates and products are subject to change without notice and may or may not be available at the time of loan commitment or lock-in. Borrowers must qualify at closing for all benefits.
Do you have a great interest rate on your mortgage and you to lower your monthly payment? Should you refinance or are there other options? How do you get through to Mom? Email is a fantastic way to get through to the Mortgage Mom! Debbie@MortgageMomRadio.com Text messages and phone calls are great too! Do you know how to contact us? Text the word "MOM" to 474747 or give us a call 844-935-3634! Download our Phone App loaded with every mortgage tool that you could need, and last but not least, watch our weekly Homebuyer Workshop Series on YouTube! Debbie Marcoux CA-DBO237926, AZ-0941504, TX, NV-57237 | JMJ Financial supports Equal Housing Opportunity. NMLS ID# 167867 (http://www.nmlsconsumeraccess.org/) | 877-314-1499. JMJ Financial is licensed by "CA Department of Business Oversight under the California Residential Mortgage Lending Act" # 41DBO-46011, AZ # 0943949, TX #167867. Interest rates and products are subject to change without notice and may or may not be available at the time of loan commitment or lock-in. Borrowers must qualify at closing for all benefits.
Today we have Crista Hermance in our show, she's a Trust Attorney who can give us tips and advise about what is Probate, the difference about a Will and Trust, what's the probate process and more! Please text, call or email me and ask for Crista Hermance and I will gladly provide you that information. Do you have any mortgage questions that you would like to ask? Text the word "MOM" to 474747 or give us a call 844-935-3634! All of the mortgage education that you could ask for right at your fingertips! Listen to our Podcast with hours of shows and topics, download our Phone App loaded with every mortgage tool that you could need, and last but not least, watch our weekly Homebuyer Workshop Series on YouTube! Debbie Marcoux CA-DBO237926, AZ-0941504, TX, NV-57237 | JMJ Financial supports Equal Housing Opportunity. NMLS ID# 167867 (http://www.nmlsconsumeraccess.org/) | 877-314-1499. JMJ Financial is licensed by "CA Department of Business Oversight under the California Residential Mortgage Lending Act" # 41DBO-46011, AZ # 0943949, TX #167867. Interest rates and products are subject to change without notice and may or may not be available at the time of loan commitment or lock-in. Borrowers must qualify at closing for all benefits.
We are answering text messages from minimum credit score to qualify, If you should have extra money for the monthly mortgage payment, should it be applied to the principal or Escrow, to the the benefits and downfall of Flipping homes. Do you have any mortgage questions that you would like to ask? Text the word "MOM" to 474747 or give us a call 844-935-3634! All of the mortgage education that you could ask for right at your fingertips! Listen to our Podcast with hours of shows and topics, download our Phone App loaded with every mortgage tool that you could need, and last but not least, watch our weekly Homebuyer Workshop Series on YouTube! Debbie Marcoux CA-DBO237926, AZ-0941504, TX, NV-57237 | JMJ Financial supports Equal Housing Opportunity. NMLS ID# 167867 (http://www.nmlsconsumeraccess.org/) | 877-314-1499. JMJ Financial is licensed by "CA Department of Business Oversight under the California Residential Mortgage Lending Act" # 41DBO-46011, AZ # 0943949, TX #167867. Interest rates and products are subject to change without notice and may or may not be available at the time of loan commitment or lock-in. Borrowers must qualify at closing for all benefits.
3 Invaluable Lessons from Sue Dyer at the 2019 IPI Conference Attending the IPI Conference is worthwhile both for the knowledge and the connections. Conferences are a great way to learn and grow, to see different perspectives, and learn from one another. Make it a point to go to a conference or two this year. Partner your project for project success! This week, host Sue Dyer talks about the Collaboration 2019 event, the 10th Annual Conference Expo and Awards for the International Partnering Institute. In this episode, Sue shares the top 10 things she walked away with after attending this event. Sue’s Top 10 Takeaways from the International Partnering Institute- The Number of Challenges the U.S. State Department Faces to Build an Embassy or Consulate Overseas (00:55) There are rigorous security requirements You must use and train local labor Almost all materials have to come in diplomatic containers These projects become diplomatic missions These complex projects make domestic projects look much more doable The New ACRP Collaborative Partnering Research (2:50) The Airport Cooperative Research Program funded research focused on aviation projects There is $100B of construction occurring in aviation Collaborative partnering can yield a 10% cost savings along with other benefits The research includes a partnering guidebook on how to implement collaborative partnering for maximum results Learn more about the research being conducted by Sinem Mollaoglu, Associate Professor at the Construction Management Program in the School of Planning, Design, and Construction at Michigan State University in Episode #32 which will be released on July 22nd LEAN and Collaborative Partnering (4:05) There is a “marriage” happening between the International Partnering Institute (IPI) and Lean Construction Institute (LCI) The LEAN experts have a lot of tools and to implement well it takes collaborative culture and buy-in LEAN and IPI could come together to help project management teams Young Professionals (5:10) Kristin Scroggin, Owner and Lead Trainer of genWHY Communication Strategies, gave a Keynote address about the differences between the generations in the workplace Kristin will be featured in Episode #31 on August 5th We need to learn how to work with young professionals as they’ll be the largest living working group for the next 50 years IPI’s Young Professionals Group completed a project and presented their solution to a barrier to partnering as a competition The IPI Young Professionals Group is on fire and if you’re under 35 you should join the group Chats in the Hallways (7:00) An important part of any conference is learning from one another and catching up on what’s happening all over the world Learning from Each Other and the Spirit of Camaraderie (7:30) At the IPI Conference, people are so excited about they’re learning and doing and they’re all open to what’s possible Watching the Teams Be Honored with the Partner of the Year Award (8:15) Nineteen teams from all over the world won awards of recognition this year The awards are not easy to win and the teams who were awarded should be honored One of Sue’s projects was awarded this year Watching Jeanne Kuttel Receive the IPI Chairman’s Award (9:05) Jeanne has been an industry leader and helped the industry in the water sector to become more collaborative Jeanne has developed a whole partnering program Check out Episode #38 on July 8th to hear more from Jeanne Kuttel and the CA Department of Water Resources’ new partnering program Being Recognized as a Partnering Visionary and Groundbreaker in the Industry (9:55) Sue was shocked and humbled by the recognition and thankful for the kind words What People Like Most About the IPI Conference- Larry Jackson - Urban Transportation Planner (10:50) Larry likes the camaraderie of the event and learning new ways to collaborate People are sharing their real-world experiences Sean Graystone - Project Leadership and Delivery and Practitioner of LEAN (11:26) Shawn is walking away wondering why LEAN and structured collaborative and partnering haven’t been working together Both practices are on parallel tracks and can complement and augment one another Change in construction in the U.S. is a long overdue need Gregory Grabowski - Partnering Facilitator at GCC & Associates (12:40) Seeing the best tools and processes of his peers are using in the industry He wants everyone to benefit from the great work that’s happening across the country and world Get in touch with Greg at www.grabowskicc.com Brad White - Project Manager with Gensler (13:32) He found the topics very engaging and he’ll be walking away with more knowledge around partnering and IPI He’s looking forward to developing relationships within the industry Mary-Alice Avila with Avila and Seiden Architects and Planners (14:15) She’s walking away with a better understanding of how partnering works Stewart Seiden of Avila and Seiden Architects and Planners (14:40) Walking away with new partnering skills and new friends Kevin Soiland with Campbell Grading (15:08) Collaboration is important and hopefully an award Wayne Campbell with WEBCOR Builders (15:25) The most important thing in any collaboration is trust You must communicate and establish trust to have a high performing team Devin Porr Partnering Program Manager with Caltrans (16:05) Walking away with a lot of knowledge and information He has a better sense of himself and his place moving forward and how to evolve and improve processes Aaron Rambo with WSP (16:45) Had a great experience with the Young Professional's group and looking forward to continuing that involvement for the next year Paul Crotty with Ventura Consulting Group (17:05) A better understanding of how technology works in a collaboration He wants to know how to implement technology to provide structure and support Jim Pappas with Hensel Phelps (17:49) He understands the amount of potential that exists The amount of information and connections that could be made is limitless Judy Ross from San Jose International Airports (18:30) You have to partner your project for project success Conferences are a great way to learn and grow, to see different perspectives, and learn from one another. Make it a point to go to a conference or two this year. Let me know what you’ve learned when you’ve gone to your next conference – email sue@constructiondreamteam.com.
We are speaking to a family that went through two Lenders and at the end they were denied the loan. It's very important to shop around for a loan officer, the same way you shop around for a realtor. Do you have any mortgage questions that you would like to ask? Text the word "MOM" to 474747 or give us a call 844-935-3634! All of the mortgage education that you could ask for right at your fingertips! Listen to our Podcast with hours of shows and topics, download our Phone App loaded with every mortgage tool that you could need, and last but not least, watch our weekly Homebuyer Workshop Series on YouTube! Debbie Marcoux CA-DBO237926, AZ-0941504, TX, NV-57237 | JMJ Financial supports Equal Housing Opportunity. NMLS ID# 167867 (http://www.nmlsconsumeraccess.org/) | 877-314-1499. JMJ Financial is licensed by "CA Department of Business Oversight under the California Residential Mortgage Lending Act" # 41DBO-46011, AZ # 0943949, TX #167867. Interest rates and products are subject to change without notice and may or may not be available at the time of loan commitment or lock-in. Borrowers must qualify at closing for all benefits.
I'm super excited to tell you that I'm about to release a brand new HomeBuyers Workshop Seminar! Also, listen to some text messages regarding VA Loan, a client with Investment properties pulling cash-out and more. If you have any mortgage questions that you would like to ask? Text the word "MOM" to 474747 or give us a call 844-935-3634! All of the mortgage education that you could ask for right at your fingertips! Listen to our Podcast with hours of shows and topics, download our Phone App loaded with every mortgage tool that you could need, and last but not least, watch our weekly Homebuyer Workshop Series on YouTube! Debbie Marcoux CA-DBO237926, AZ-0941504, TX, NV-57237 | JMJ Financial supports Equal Housing Opportunity. NMLS ID# 167867 (http://www.nmlsconsumeraccess.org/) | 877-314-1499. JMJ Financial is licensed by "CA Department of Business Oversight under the California Residential Mortgage Lending Act" # 41DBO-46011, AZ # 0943949, TX #167867. Interest rates and products are subject to change without notice and may or may not be available at the time of loan commitment or lock-in. Borrowers must qualify at closing for all benefits.
It is true that policy and advocacy play a major role in shaping the world of education, but so can culture. In this episode, I interview Nicole Hamlin, where she talk about the impact that culture can have in education. Nicole further dives into her past experiences as a teacher that continue to influence her work at the CA Department of Education.
How was your Memorial Weekend? I got to meet my son's girlfriend family, felt like I was in "Meet the Fockers"! Anyways today we are talking about Cash Out Refinance, maybe to Consolidate our bills, to pay for a Wedding or Graduation. Learn how to go about it that benefits you financially. Do you have any mortgage questions that you would like to ask? Text the word "MOM" to 474747 or give us a call 844-935-3634! All of the mortgage education that you could ask for right at your fingertips! Listen to our Podcast with hours of shows and topics, download our Phone App loaded with every mortgage tool that you could need, and last but not least, watch our weekly Homebuyer Workshop Series on YouTube! Debbie Marcoux CA-DBO237926, AZ-0941504, TX, NV-57237 | JMJ Financial supports Equal Housing Opportunity. NMLS ID# 167867 (http://www.nmlsconsumeraccess.org/) | 877-314-1499. JMJ Financial is licensed by "CA Department of Business Oversight under the California Residential Mortgage Lending Act" # 41DBO-46011, AZ # 0943949, TX #167867. Interest rates and products are subject to change without notice and may or may not be available at the time of loan commitment or lock-in. Borrowers must qualify at closing for all benefits.
Listen to our helpful tips about buying an investment property. Our caller is interested in purchasing another home for investment and can she use the rental income on a new purchase to help her qualify for the loan? Do you have any mortgage questions that you would like to ask? Text the word "MOM" to 474747 or give us a call 844-935-3634! All of the mortgage education that you could ask for right at your fingertips! Listen to our Podcast with hours of shows and topics, download our Phone App loaded with every mortgage tool that you could need, and last but not least, watch our weekly Homebuyer Workshop Series on YouTube! Debbie Marcoux CA-DBO237926, AZ-0941504, TX, NV-57237 | JMJ Financial supports Equal Housing Opportunity. NMLS ID# 167867 (http://www.nmlsconsumeraccess.org/) | 877-314-1499. JMJ Financial is licensed by "CA Department of Business Oversight under the California Residential Mortgage Lending Act" # 41DBO-46011, AZ # 0943949, TX #167867. Interest rates and products are subject to change without notice and may or may not be available at the time of loan commitment or lock-in. Borrowers must qualify at closing for all benefits.
We are sharing tips on how to become a homeowner even if you have a Short Sale, and how to build your credit score. You can also listen to my workshop on YouTube for tips on credit repair. Go to Mortgage Mom Radio! Do you have any mortgage questions that you would like to ask? Text the word "MOM" to 474747 or give us a call 844-935-3634! All of the mortgage education that you could ask for right at your fingertips! Listen to our Podcast with hours of shows and topics, download our Phone App loaded with every mortgage tool that you could need, and last but not least, watch our weekly Homebuyer Workshop Series on YouTube! Debbie Marcoux CA-DBO237926, AZ-0941504, TX, NV-57237 | JMJ Financial supports Equal Housing Opportunity. NMLS ID# 167867 (http://www.nmlsconsumeraccess.org/) | 877-314-1499. JMJ Financial is licensed by "CA Department of Business Oversight under the California Residential Mortgage Lending Act" # 41DBO-46011, AZ # 0943949, TX #167867. Interest rates and products are subject to change without notice and may or may not be available at the time of loan commitment or lock-in. Borrowers must qualify at closing for all benefits.
In this episode we hear from a strong single working mom who wants to be a homeowner! We work around ways to make it happen. Take a listen. Do you have any mortgage questions that you would like to ask? Text the word "MOM" to 474747 or give us a call 844-935-3634! All of the mortgage education that you could ask for right at your fingertips! Listen to our Podcast with hours of shows and topics, download our Phone App loaded with every mortgage tool that you could need, and last but not least, watch our weekly Homebuyer Workshop Series on YouTube! Debbie Marcoux CA-DBO237926, AZ-0941504, TX, NV-57237 | JMJ Financial supports Equal Housing Opportunity. NMLS ID# 167867 (http://www.nmlsconsumeraccess.org/) | 877-314-1499. JMJ Financial is licensed by "CA Department of Business Oversight under the California Residential Mortgage Lending Act" # 41DBO-46011, AZ # 0943949, TX #167867. Interest rates and products are subject to change without notice and may or may not be available at the time of loan commitment or lock-in. Borrowers must qualify at closing for all benefits.
Listen to our podcast and find out what's the difference between Mortgage Banking and a broker and a bank! Do you have any mortgage questions that you would like to ask? Text the word "MOM" to 474747 or give us a call 844-935-3634! All of the mortgage education that you could ask for right at your fingertips! Listen to our Podcast with hours of shows and topics, download our Phone App loaded with every mortgage tool that you could need, and last but not least, watch our weekly Homebuyer Workshop Series on YouTube! Debbie Marcoux CA-DBO237926, AZ-0941504, TX, NV-57237 | JMJ Financial supports Equal Housing Opportunity. NMLS ID# 167867 (http://www.nmlsconsumeraccess.org/) | 877-314-1499. JMJ Financial is licensed by "CA Department of Business Oversight under the California Residential Mortgage Lending Act" # 41DBO-46011, AZ # 0943949, TX #167867. Interest rates and products are subject to change without notice and may or may not be available at the time of loan commitment or lock-in. Borrowers must qualify at closing for all benefits.
In this episode you meet Jim Doty, Kyle Doty, Larry Ehrlich, Heidi Points and Rosie Fuentes. Learn about our team and hear how we interact together. It is definitely the mortgage rendition of "Office Space". Do you have any mortgage questions that you would like to ask? Text the word "MOM" to 474747 or give us a call 844-935-3634! All of the mortgage education that you could ask for right at your fingertips! Listen to our Podcast with hours of shows and topics, download our Phone App loaded with every mortgage tool that you could need, and last but not least, watch our weekly Homebuyer Workshop Series on YouTube! Debbie Marcoux CA-DBO237926, AZ-0941504, TX, NV-57237 | JMJ Financial supports Equal Housing Opportunity. NMLS ID# 167867 (http://www.nmlsconsumeraccess.org/) | 877-314-1499. JMJ Financial is licensed by "CA Department of Business Oversight under the California Residential Mortgage Lending Act" # 41DBO-46011, AZ # 0943949, TX #167867. Interest rates and products are subject to change without notice and may or may not be available at the time of loan commitment or lock-in. Borrowers must qualify at closing for all benefits.
We love hearing from you , call us with your questions. Like this caller who is going through some life changes. Do you have any mortgage questions that you would like to ask? Text the word "MOM" to 474747 or give us a call 844-935-3634! All of the mortgage education that you could ask for right at your fingertips! Listen to our Podcast with hours of shows and topics, download our Phone App loaded with every mortgage tool that you could need, and last but not least, watch our weekly Homebuyer Workshop Series on YouTube! Debbie Marcoux CA-DBO237926, AZ-0941504, TX, NV-57237 | JMJ Financial supports Equal Housing Opportunity. NMLS ID# 167867 (http://www.nmlsconsumeraccess.org/) | 877-314-1499. JMJ Financial is licensed by "CA Department of Business Oversight under the California Residential Mortgage Lending Act" # 41DBO-46011, AZ # 0943949, TX #167867. Interest rates and products are subject to change without notice and may or may not be available at the time of loan commitment or lock-in. Borrowers must qualify at closing for all benefits.
Today's Podcast we have Kim DeWitt with Highland Residential Mortgage, she's a loan officer located in Indiana and is also licensed in Illinois. Planning on moving out of state? Listen to this. Do you have any mortgage questions that you would like to ask? Text the word "MOM" to 474747 or give us a call 844-935-3634! All of the mortgage education that you could ask for right at your fingertips! Listen to our Podcast with hours of shows and topics, download our Phone App loaded with every mortgage tool that you could need, and last but not least, watch our weekly Homebuyer Workshop Series on YouTube! Debbie Marcoux CA-DBO237926, AZ-0941504, TX, NV-57237 | JMJ Financial supports Equal Housing Opportunity. NMLS ID# 167867 (http://www.nmlsconsumeraccess.org/) | 877-314-1499. JMJ Financial is licensed by "CA Department of Business Oversight under the California Residential Mortgage Lending Act" # 41DBO-46011, AZ # 0943949, TX #167867. Interest rates and products are subject to change without notice and may or may not be available at the time of loan commitment or lock-in. Borrowers must qualify at closing for all benefits.
Let's go through a few of the text messages that we received. And Yes my dream is to have "Joey Fatone" from Nsync do the introduction for my show. Do you have any mortgage questions that you would like to ask? Text the word "MOM" to 474747 or give us a call 844-935-3634! All of the mortgage education that you could ask for right at your fingertips! Listen to our Podcast with hours of shows and topics, download our Phone App loaded with every mortgage tool that you could need, and last but not least, watch our weekly Homebuyer Workshop Series on YouTube! Debbie Marcoux CA-DBO237926, AZ-0941504, TX, NV-57237 | JMJ Financial supports Equal Housing Opportunity. NMLS ID# 167867 (http://www.nmlsconsumeraccess.org/) | 877-314-1499. JMJ Financial is licensed by "CA Department of Business Oversight under the California Residential Mortgage Lending Act" # 41DBO-46011, AZ # 0943949, TX #167867. Interest rates and products are subject to change without notice and may or may not be available at the time of loan commitment or lock-in. Borrowers must qualify at closing for all benefits.
We were in San Pedro speaking to two amazing and intelligent women- Danielle Whitney, real estate agent from Keller Williams and Ronna Luna from Fidelity National Title! Do you have any mortgage questions that you would like to ask? Text the word "MOM" to 474747 or give us a call 844-935-3634! All of the mortgage education that you could ask for right at your fingertips! Listen to our Podcast with hours of shows and topics, download our Phone App loaded with every mortgage tool that you could need, and last but not least, watch our weekly Homebuyer Workshop Series on YouTube! Debbie Marcoux CA-DBO237926, AZ-0941504, TX, NV-57237 | JMJ Financial supports Equal Housing Opportunity. NMLS ID# 167867 (http://www.nmlsconsumeraccess.org/) | 877-314-1499. JMJ Financial is licensed by "CA Department of Business Oversight under the California Residential Mortgage Lending Act" # 41DBO-46011, AZ # 0943949, TX #167867. Interest rates and products are subject to change without notice and may or may not be available at the time of loan commitment or lock-in. Borrowers must qualify at closing for all benefits.
When we’re starting out with our teaching careers, we’re overwhelmed with all of the details that go into being a teacher that we often neglect to take care of ourselves. I’m sure you’ve seen so many posts, websites, programs, and even CONFERENCES dedicated to teacher self-care. But part of taking care of yourself is making sure that you and your family are safe and secure. It goes without saying that if you didn’t have to worry so much about your finances, your home, your health, and the well-being of your family, you’d have more mental energy and space to tackle teaching. If there was a way to feel even a little bit better about some aspect of your personal life, then teaching just seems less overwhelming. I know it sounds cliche to say that, but so many people think that homeownership is so impossible that it’s not the American dream anymore. However, after talking to my good friend and real estate agent Tonya Spivey and her friend and loan officer Wes Shaw, I realized that there are AMAZING programs out there to help people - particularly teachers - get into a home of their own. So even if you’re super skeptical and think it’s out of the question, give this episode a listen so that you at least know your options. Have an open mind and envision yourself moving into your own first home. And when the time is right, you’ll be educated and prepared to dive head first into the process. Love this show? Become an AWESOME SUPPORTER! How to contact Wes: (858)888-5270, wes.shaw@movement.com Wes Shaw NMLS # 272036 / CA-DBO272036 | Movement Mortgage, LLC supports Equal Housing Opportunity. NMLS ID# 39179 (www.nmlsconsumeraccess.org) | Movement Mortgage, LLC is licensed by "CA Department of Business Oversight under the California Residential Mortgage Lending Act"# 4131054. Interest rates and products are subject to change without notice and may or may not be available at the time of loan commitment or lock-in. Borrowers must qualify at closing for all benefits. “Movement Mortgage” is a registered trademark of the Movement Mortgage, LLC, a Delaware limited liability company. 8024 Calvin Hall Rd, Indian Land, SC 29707. How to contact Tonya: (619)302-9891, tonyaspivey@gmail.com Keller Williams SD Metro CALBRE#02059804 Broker CalBRE #01295699 The four programs we discuss: School program My Home Zero Interest Program (ZIP) Golden State Funding Authority for Veterans Be sure to visit downpaymentresource.com to find out what programs are available for your address Some vocabulary in our discussion: conventional financing - A conventional loan is a mortgage that is not guaranteed or insured by any government agency, including the Federal Housing Administration (FHA), the Farmers Home Administration (FmHA) and the Department of Veterans Affairs (VA). It is typically fixed in its terms and rate. FICO score - A FICO Score is one of many types of credit scores, which are three-digit numbers that summarize your credit history, management and behavior. Your FICO Score is the credit score generated by Fair Isaac Corp. (FICO), a leading financial analytics company. FICO Scores range from 300 to 850. simple interest - interest that is paid on the principal amount borrowed. It is considered the best type of interest for a borrower because it is not compounded. lien on title - A lien is a legal claim or a right against property. Liens provide security, allowing a person or organization to take property or take other legal action to satisfy debts and obligations. Liens are often part of the public record, informing potential creditors and others about existing debts. lien in secondary position - Second lien debt refers to loans that are reimbursed only after loan balances on senior debts (lien on title) are repaid in full following a default. Due to the subordinated claim on assets, if a borrower defaults on a secured loan, the senior lien holder may receive 100% on the loan balance from the sale of the underlying collateral, while the second lien holder receives only a fraction of the loan amount on the subordinated debt. deferred payments - A deferred payment option is an option that operationally defers payment on the loan until a later date. closing costs - Expenses required for a real estate purchase or refinance. Closing costs are also called settlement costs and can include lender charges, title insurance, escrow fees, real estate commissions, recording fees, transfer taxes and others. escrow fees - Escrow is when an impartial third party holds on to funds and distributes them accordingly to process a transaction. The funds, also known as earnest money, is typically held in an escrow account by an escrow officer or attorney. Escrow costs cover the final closing paperwork and handle the exchange of funds and recording of deeds. Escrow may also refer to an account held by a mortgage lender into which the homebuyer pays money each month for property tax and insurance payments. The lender then pays these items on the borrower’s behalf as they come due. title fees - Title service fees are part of the closing costs you pay when getting a mortgage. When you purchase a home, you receive a document most often called a deed, which shows the seller transferred their legal ownership, or “title,” to the home to you. Title service fees are costs associated with issuing a title insurance policy for the lender. default - Failing to repay a debt as agreed. home appreciation - Appreciation is the increase in a home's value over time. loan officer - A loan officer is a representative of a bank, credit union, or other financial institution who finds and assists borrowers in acquiring loans. Loan officers can work with a wide variety of lending products for both consumers and businesses. Sources: Lending Tree: https://www.lendingtree.com/glossary/#a The Balance: https://www.thebalance.com/liens-what-they-are-and-how-they-work-315611 Investopedia: https://www.investopedia.com/terms/d/deferredpaymentoption.asp American Financing: https://www.americanfinancing.net/mortgage-basics/escrow-closing-costs-guide Consumer Financial Protection Bureau: https://www.consumerfinance.gov/ask-cfpb/what-are-title-service-fees-en-157/ Redfin: https://www.redfin.com/definition/appreciation Don't forget to leave a voicemail! Let your voice be heard! Click here how to find out how you can be a part of the podcast by telling us your favorite parts of teaching! Listeners who leave a voicemail will be eligible to receive a FREE Teachers Need Teachers sticker! Click HERE to find out more! Got questions, feedback, or want to be on the show? You can email me at kim@teachersneedteachers.com Connect with me Subscribe to Apple Podcasts, Google Play Music, or Stitcher Join my Facebook Group where I occasionally podcast live Message me through Instagram or Twitter
With the CBO Scoring of the Senate healthcare bill due this week, and a vote scheduled before the July 4th break, confusion and frustration regarding the future of healthcare in America and here in California is at an all-time high. With this is mind, we present you with our timely and extremely topical interview with Secretary of the CA Department of Health & Human Services, Diana Dooley. Secretary Dooley oversees a myriad of health services in CA, but two in particular seem to be under attack- Covered California and Medi-Cal. However, unlike the doomsday predictions of many of the talking heads you’ll find on TV, Secretary Dooley (who describes herself as a ‘passionate moderate’) has remained calm in the face of extreme diversity and still believes that healthcare can be fixed. Join us as Secretary Dooley walks us through where we are, and where we go from here.
Jeremy Adams is a high school teacher, college professor, author, and frequent educational speaker from Bakersfield, California. In April of this year, Rowman & Littlefield published his second book, The Secrets of Timeless Teachers: Instruction that Works in Every Generation. He is the recipient of the 2014 California Teacher of the Year Award from The Daughters of the American Revolution and was a 2013 semi-finalist for the CA Department of education Teacher of the Year Program. Jeremy is married and has three wonderful children. You can find Jeremy's book Secrets of Timeless Teachers on Amazon here: https://www.amazon.com/Secrets-Timeless-Teachers-Instruction-Generation/dp/1475818300 About EducatorsLead: Educators Lead is a podcast created to help launch educators into the next level of leadership. This show is for you if you are interested in educational leadership as an assistant principal, principal, superintendent, teacher or someone who hopes to be a school leader one day. Educators Lead offers inspiration and practical advice to help you lead more effectively. Jay Willis interviews school leaders weekly to discuss why and when these educators made the decision to move into school leadership, challenges along the journey, and stories that made it all worthwhile. Educators Lead is a great resource for any educator looking to make a greater impact. Educate. Inspire. Lead. http://www.educatorslead.com
Wiccan Chaplain for CA Department of Corrections discusses his participation in the Parliament of World Religions, Cherry Hill Seminary, Men who love Goddess and and Goddess for a Sustainable Future.
In today’s episode of Eyes on Conservation , filmmaker Kristin Tieche invites two women in bat conservation who appear in her upcoming feature documentary about bats, The Invisible Mammal ( http://www.theinvisiblemammal.com/ ). Dr. Winifred Frick is the Chief Scientist at Bat Conservation International ( http://www.batcon.org/ ) and an Associate Research Professor in Ecology and Evolutionary Biology at UC Santa Cruz. Dr. Frick has studied the ecology and conservation of bats for nearly 20 years and has worked around the globe on bat conservation, including projects in Mexico, Rwanda, Guinea, Fiji, and Jamaica. With nearly 1,400 species, bats are the second most diverse group of mammals on earth, yet many species are threatened by the forces of global change. Corky Quirk is the founder of NorCal Bats ( http://norcalbats.org/ ) , an organization that provides care for injured bats and educational programs for libraries, school, nature programs, fairs and other events throughout the region. Corky has been working intensely with native bats since 2004 and has educated thousands of people. She is permitted through the CA Department of Fish and Wildlife and the USDA to work with injured and orphaned bats, and returning them to the wild. She keeps a captive colony of non-releasable bats for use in education. How has the coronavirus pandemic disrupted bat conservation? On April 10, 2020, the US Government suspended all bat research across the country ( https://www.washingtonpost.com/national/health-science/us-advises-suspending-bat-research-over-concerns-coronavirus-could-infect-north-american-species/2020/04/09/1aabcf52-7a8e-11ea-9bee-c5bf9d2e3288_story.html ) , in an effort to curtail the spread of the virus. Frick and Quirk discuss how the new restrictions have affected their work, dispel new myths that have arisen about bats and their connection to coronavirus, and explain why protecting bat biodiversity and bat habitat around the world (and in your backyard) is so important. Important links: The Invisible Mammal : http://www.theinvisiblemammal.com/ Bat Conservation International: http://www.batcon.org/ NorCal Bats: http://norcalbats.org/ Yolo Basin Foundation: http://yolobasin.org/ EcoHealth Alliance: https://www.ecohealthalliance.org/ Bracken Cave https://tpwd.texas.gov/huntwild/wild/species/bats/bat-watching-sites/bracken-cave-preserve.phtml
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