Podcasts about financial protection

GET YOUR SHIT TOGETHER WITH LIFE INSURANCEEver feel like those insurance salesmen are just vultures picking at your wallet? I used to BE one of those guys - and yeah, it was sleazy as hell.But here's the raw truth: you NEED life insurance, and you're bullshitting yourself with every excuse not to get it.In this no-holds-barred episode, I'm calling out every weak excuse:"I'm too young" - Bullshit. It's CHEAPER when you're young."I don't have anyone to leave it to" - You don't know what the future holds."I'm too broke/too rich" - Neither is true.For my Black and Brown families especially - this isn't just protection, it's our shot at building GENERATIONAL WEALTH.Why are we dropping $350 on Jordans but hoping a GoFundMe goes viral enough to bury our loved ones?Term, whole life, universal - I break down the options without the sales pitch. The ultra-wealthy use these tools for tax strategies and income - not just death benefits.Get off your ass and secure your family's future. Real wealth starts with real protection.Watch the full episode: https://youtu.be/9GpdtAyTg0oFor more unfiltered financial truth, visit nobswealth.comWelcome to the No BS Wealth Podcast with Stoy Hall, your candid guide to financial clarity. In our third year, we're spicing things up by enhancing community ties and bringing you straight, no-fluff financial insights. Connect with us on NoBSWealthPodcast.com, and follow Stoy on social media for the latest episodes and expert discussions. Tune in, join the conversation, and transform your financial journey with us—no BS!As always we ask you to comment, DM, whatever it takes to have a conversation to help you take the next step in your journey, reach out on any platform!Twitter, FaceBook, Instagram, Tiktok, LinkedinDISCLOSURE: Awards and rankings by third parties are not indicative of future performance or client investment success. Past performance does not guarantee future results. All investment strategies carry profit/loss potential and cannot eliminate investment risks. Information discussed may not reflect current positions/recommendations. While believed accurate, Black Mammoth does not guarantee information accuracy. This broadcast is not a solicitation for securities transactions or personalized investment advice. Tax/estate planning information is general - consult professionals for specific situations. Full disclosures at www.blackmammoth.com.

Did you know that you are supposed to fly your flag at half mass until noon and then raise it until sundown? How did Memorial Day come to be, what are we celebrating, and how is it different than Veteran's Day. Short history lesson from the Mortgage Mom! 844-935-3634, call us! Debbie Marcoux - AZ-0941504, CA-237926, Fl-LO76508, GA-69178, ID, IL-031.0058339, NC, NV-57237, OR, TN-184373, TX, WA-MLO-237926 | JMJ Financial Group NMLS ID #167867 |Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act, Licensee Number 01134087. 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.

Are you prepared to weather unexpected financial storms while building lasting wealth for retirement? In this enlightening episode, Gary Heldt sits down with Harry Abrahamsen, a leading financial strategist specializing in personal financial economics and retirement planning. Harry shares his journey from building a family business to founding the Abrahamsen Financial Group, inspired by the life-changing events of September 11, 2001. Drawing from his extensive experience working with clients at all stages of retirement planning, Harry reveals his philosophy on creating personalized financial strategies that protect against unexpected life events while building sustainable wealth. Key Takeaways: → Financial planning must be personalized to each individual's unique situation, whether they're thinking about retirement, preparing to retire, or already retired → Unexpected life events can derail financial plans - proper protection strategies are essential for controlling your financial destiny → Building a network of trusted experts (attorneys, CPAs, bankers) creates comprehensive financial plans that consistently over-deliver for clients → Entrepreneurial thinking and continuous reinvention are vital components of financial success and career growth → Financial strategies should focus on both wealth building and wealth protection to ensure long-term security Notable Quotes: "After September 11, 2001, I realized the critical importance of properly protecting oneself from unexpected life events and controlling one's own destiny." - Harry Abrahamsen "Throughout my career, my clientele has consistently shared one common objective: to receive expert advice and guidance from someone they trust." - Harry Abrahamsen Connect with Harry Abrahamsen: Book: "Money Rules - 9 Rules to Massive Wealth" Company: Abrahamsen Financial Group Location: Little Silver, New Jersey Learn more about your ad choices. Visit megaphone.fm/adchoices

Protecting yourself financially encompasses more than your typical emergency fund. I help my clients implement three layers of protection. Having multiple layers of protection provides multiple safety nets in case of emergencies or unexpected expenses. In this episode, let's talk about the multiple layers of protection you can implement in your finances. Head to rhothomas.com/259 for the full episode show notes.

The Fed is holding strong with their Higher For Longer stance. When will we finally get that first rate cut in 2025? 844-935-3634, call us! Debbie Marcoux - AZ-0941504, CA-237926, Fl-LO76508, GA-69178, ID, IL-031.0058339, NC, NV-57237, OR, TN-184373, TX, WA-MLO-237926 | JMJ Financial Group NMLS ID #167867 |Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act, Licensee Number 01134087. 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.

Reading the economic reports this week, GDP was lower than anticipated. It was honestly quite bad, but consumer spending is up, month over month, from February to March 2025. The Core PCE inflation numbers came in higher than expected, and it is anticipated that the Fed will hold rates steady at next Wednesday's meeting. But, will we get a quick knee jerk reaction that will give many homeowners and homebuyers an opportunity to lock in an interest rate? 60% of analysts are expecting our first rate cut from the Fed in 2025 to be at their June meeting. Traders and investors will be hanging on to every word that is Fed Chairman Jerome Powell says trying to gauge their next move. I am predicting a good amount of volatility following the meeting. If the market swings in our favor, it could be the best rates that we have seen in 2025. 844-935-3634, call us! Debbie Marcoux - AZ-0941504, CA-237926, Fl-LO76508, GA-69178, ID, IL-031.0058339, NC, NV-57237, OR, TN-184373, TX, WA-MLO-237926 | JMJ Financial Group NMLS ID #167867 |Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act, Licensee Number 01134087. 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.

Insurance is a common expense for many people but understanding the ins and outs of coverage can be challenging. In this episode, we delve into the vital role of the New Hampshire Insurance Department in safeguarding your personal and financial well-being. Join us as Deputy Insurance Commissioner Keith Nyhan shares insights on common insurance issues essential coverage tips and the many resources available to help you navigate the complexities of insurance. Links: For insurance information or assistance contact the Consumer Services Hotline at 800-852-3416 Contact the NH Insurance department at: consumerservices@ins.nh.gov Learn more about insurance assistance and help at: insurance.nh.gov Explore video resources on the NH Insurance Department YouTube channel To find a local insurance agent visit Big I NH at biginh.com, or call 603-224-3965 Check out TCU University for financial education tips and resources! Follow us on Facebook, Instagram and Twitter! Learn more about Triangle Credit Union 

I focused on an issue that has been a major story in the media recently. Homeowners monthly payments are skyrocketing because of their property tax bills. Please understand how it works and what you can do as a homeowner or a new buyer to safeguard yourself from a messy situation later! 844-935-3634, call us! Debbie Marcoux - AZ-0941504, CA-237926, Fl-LO76508, GA-69178, ID, IL-031.0058339, NC, NV-57237, OR, TN-184373, TX, WA-MLO-237926 | JMJ Financial Group NMLS ID #167867 |Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act, Licensee Number 01134087. 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.

Did you miss out on the quick dip in mortgage rates last Friday? Let's get you ready to take advantage of the next dip. 844-935-3634, call us! Debbie Marcoux - AZ-0941504, CA-237926, Fl-LO76508, GA-69178, ID, IL-031.0058339, NC, NV-57237, OR, TN-184373, TX, WA-MLO-237926 | JMJ Financial Group NMLS ID #167867 |Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act, Licensee Number 01134087. 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.

Why are you seeing media about a housing crash? Debbie Marcoux - AZ-0941504, CA-237926, Fl-LO76508, GA-69178, ID, IL-031.0058339, NC, NV-57237, OR, TN-184373, TX, WA-MLO-237926 | JMJ Financial Group NMLS ID #167867 |Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act, Licensee Number 01134087. 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 marriage still the goal—or has the goal changed?In this thought-provoking episode of Selective Igonorance, Mandii B sits down with seasoned dating and relationship coach Alison (Align With Alison) to unpack how modern views on marriage are shifting, especially for successful women. Kicking things off at [00:00 – The Evolution of Marriage], they explore the roots of the institution and how its purpose has transformed over time. By [03:15 – Challenging Traditional Views on Marriage], the conversation starts pushing back on long-held beliefs, asking if tying the knot still holds the same weight in today's world. As the discussion deepens, they reflect on [07:41 – The Value of Commitment in Relationships], highlighting what it really means to choose someone—and how that commitment can show up in different ways. At [10:20 – Vetting Partners: The Key to Successful Relationships], the guest breaks down why being intentional about who you allow into your life is crucial. That leads to a candid look at [13:58 – Understanding the Risks of Marriage] and the realities people often overlook when love and legal contracts mix. They don't stop there. By [20:34 – Preparing for the Reality of Relationships], they're talking about the emotional, financial, and personal groundwork that needs to happen before anyone says “I do.” That naturally flows into [24:52 – Navigating Business Relationships and Personal Vetting], where they touch on how similar principles apply in both love and entrepreneurship. The conversation returns to romantic partnerships at [28:40 – Understanding Risks in Relationships and Marriage], and then zooms in on actionable steps during [30:36 – Financial Protection for Successful Women], where they break down how to be smart and secure without guilt or shame. At [32:24 – Societal Pressures on Women Regarding Marriage and Motherhood], the discussion turns personal, unpacking the weight women carry to “have it all” and what happens when they choose a different path. By [36:03 – Setting Boundaries and Defining Personal Value], they offer empowering advice on how to stand firm in your worth—no ring required. And finally, at [40:30 – Redefining Lasting Love Beyond Traditional Norms], they close the loop by asking: What does lasting love really look like when you write the rules yourself? Whether you're single, partnered, or somewhere in between, this episode invites you to think beyond tradition—and lean into what's true for you.Follow the Guest: IG: @alignwithalisonwww.alignwithalisonWatch the full videos of each episode by subscribing to Patreon at Patreon.com/selectiveignoranceFollow the host on Social MediaMandii B Instagram/X @fullcourtpumpsFollow the show on Social MediaInstagram @selective_ignoranceTiktok @selective.ignoranceX/Twitter @selectiveigpod

Send us a textCasey is joined by Caitlin Fish of Knipe Realty for an interesting and informative conversation regarding house hacking how-to's to help you achieve homeownership faster, and how to make your home work for you. Casey CarpenterLoan Officer & Mortgage AdvisorNMLS 1458123  Ready to Apply? Visit www.mtgxps.com | Mortgage Express, LLC NMLS ID 40831 | Equal Housing Lender Not a commitment to lock or lend.  Terms and conditions apply.  Not all applicants will qualify.  Licensed in OR/WA/CA/AZ/ID/UT with licensing in California by the Department of Financial Protection and Innovation (DFPI) under the Residential Mortgage Act.  Questions and concerns may be directed to our Corporate Office or customerservice@mtgxps.com.  Visit www.nmlsconsumeraccess.org for more information.

We and our financial advisors are preparing to need money to last 30 plus years in retirement, yet we don't trust LTC insurance companies to help protect us during that time. If we think we're going to live that long, do we really believe we will remain as strong, healthy and active as we are today?  Look at our parents and grandparents. Humans slow down as we age.  Dementia is showing up in our 60s.  People are having strokes in their 50s due to stress. We need to be prepared. LTC insurance is strictly regulated by the NAIC (National Association of Insurance Commissioners) to make sure that rules are followed for marketing and claims.  Learn how our state departments of insurance protect us The America Association for LTC insurance was created in 1988 to educate consumers and support insurance/financial professionals.  You can learn a lot from them The report from Faegre Drinker on NAIC Model regulation can be found Estimate LTC premiums View current and projected costs of care where you live Schedule a meeting with me and Prepare for Tomorrow 

Lorena Tomasini owns MALM Life and Health Insurance Agency in Miami, Florida. With over 12 years of experience in the insurance industry, she helps families and business owners with financial protection.    Lorena also hosts the "12-Minute Podcast," where she speaks with entrepreneurs about problem-solving.   Lorena highlights that many people are unprepared for catastrophic events like health issues or death, which can be devastating both personally and financially.   She explains that financial protection, like the products they offer, can help individuals and families avoid going into debt or relying on crowdfunding in times of crisis.   Lorena shares a key takeaway from attending the 10X conference, which was about focusing on daily activities rather than outcomes.   She emphasizes that building trust and relationships with clients takes time, and follow-up is crucial.    Moreover, Lorena points out the importance of maintaining a solutions-focused mindset rather than complaining when challenges arise.   LinkedIn: Lorena Tomasini  Facebook: MALM Life and Health Insurance Agency  Instagram: malmins22   Previous Episode: iam251-health-insurance-agent-and-podcaster-helps-families-and-businesses-with-financial-protection   Check out our CEO Hack Buzz Newsletter–our premium newsletter with hacks and nuggets to level up your organization. Sign up HERE.  I AM CEO Handbook Volume 3 is HERE and it's FREE. Get your copy here: http://cbnation.co/iamceo3. Get the 100+ things that you can learn from 1600 business podcasts we recorded. Hear Gresh's story, learn the 16 business pillars from the podcast, find out about CBNation Architects and why you might be one and so much more. Did we mention it was FREE? Download it today!

I wanted to title this episode "Stable & Controlled" because that's what LTC health underwriters look for in every applicant's medical history. Today, I share several things not to do until after you've applied and been approved for some form of LTC insurance. We don't need to be in perfect health, but we need to be aware of red flags that the insurance companies will view as an unacceptable risk. Listen and learn what not to do until both you and the insurance company of your choice have made decisions and coverage is in place. Schedule with me to design your plan   Estimate traditional and hybrid LTC premiums   Learn what your state Medicaid system lets you keep Explore current and projected future costs of care at home, in assisted living and in nursing homes   

Send us a textCasey is joined by Josh Jensen of Newfi Wholesale for an interesting and informative conversation regarding non-qm mortgage solutions to help homebuyers achieve the milestone of homeownership faster than conventional options. Casey CarpenterLoan Officer & Mortgage AdvisorNMLS 1458123  Ready to Apply? Visit www.mtgxps.com | Mortgage Express, LLC NMLS ID 40831 | Equal Housing Lender Not a commitment to lock or lend.  Terms and conditions apply.  Not all applicants will qualify.  Licensed in OR/WA/CA/AZ/ID/UT with licensing in California by the Department of Financial Protection and Innovation (DFPI) under the Residential Mortgage Act.  Questions and concerns may be directed to our Corporate Office or customerservice@mtgxps.com.  Visit www.nmlsconsumeraccess.org for more information.

In this episode of Beer and Money, Ryan Burklo and Alex Collins discuss the importance of umbrella policies in personal finance. They explain what an umbrella policy is, how it provides an extra layer of liability insurance beyond standard policies, and why it is crucial for protecting assets and income. The conversation also covers the cost-effectiveness of these policies and how to determine the right amount of coverage needed. The hosts emphasize the importance of consulting with financial and insurance professionals to ensure adequate protection against potential lawsuits. Check out our website:  beerandmoney.net For a quick assessment of your current financial life go to: https://www.livingbalancesheet.com/lbsVision/lite/RyanBurklo Takeaways Umbrella policies are critical for financial protection. Many clients are unaware of what an umbrella policy is. An umbrella policy provides additional liability coverage. The cost of an umbrella policy is relatively low. One claim can cover the entire cost of the policy. It's essential to have enough coverage to protect your assets. Consult with insurance agents to understand your options. Insurance companies are becoming stricter with coverage limits. Communication between financial advisors and insurance agents is vital. Understanding your risk exposure is key to financial planning. Chapters 00:00 Introduction to Umbrella Policies 02:03 Understanding the Importance of Umbrella Policies 04:05 What is an Umbrella Policy? 07:58 Cost and Value of Umbrella Policies 09:48 How Much Coverage Do You Need? 11:55 Conclusion and Call to Action  

Interest rates have fallen for 7 consecutive days, but today, we're headed right back up again. If you are in need of a new mortgage loan, refinance or purchase, it is important to understand when the best time to lock in your interest rate is. Debbie Marcoux - AZ-0941504, CA-237926, Fl-LO76508, GA-69178, ID, IL-031.0058339, NC, NV-57237, OR, TN-184373, TX, WA-MLO-237926 | JMJ Financial Group NMLS ID #167867 |Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act, Licensee Number 01134087. 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 talk about refinance closing costs. How do they work, what should you expect? Debbie Marcoux - AZ-0941504, CA-237926, Fl-LO76508, GA-69178, ID, IL-031.0058339, NC, NV-57237, OR, TN-184373, TX, WA-MLO-237926 | JMJ Financial Group NMLS ID #167867 |Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act, Licensee Number 01134087. 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.

Both purchase and refinance applications have increased week over week. Why? With interest rates improving, mortgage loans are becoming more affordable opening up opportunity for homebuyers and refinances for current homeowners. Debbie Marcoux - AZ-0941504, CA-237926, Fl-LO76508, GA-69178, ID, IL-031.0058339, NC, NV-57237, OR, TN-184373, TX, WA-MLO-237926 | JMJ Financial Group NMLS ID #167867 |Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act, Licensee Number 01134087. 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 it the Trump Administration's fault that rate cuts were paused yesterday? Debbie Marcoux - AZ-0941504, CA-237926, Fl-LO76508, GA-69178, ID, IL-031.0058339, NC, NV-57237, OR, TN-184373, TX, WA-MLO-237926 | JMJ Financial Group NMLS ID #167867 |Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act, Licensee Number 01134087. 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.

Send us a textCasey is joined by Scott Edelman, Realtor at Sold By Scott Powered by Move Realty, to look ahead to 2025. What could market conditions be like? Casey & Scott go over winning strategies to keep you ahead of the curve on home buying. Mikal MeleLoan Officer & Mortgage AdvisorNMLS 963197 Casey CarpenterLoan Officer & Mortgage AdvisorNMLS 1458123  Ready to Apply? Visit www.mtgxps.com | Mortgage Express, LLC NMLS ID 40831 | Equal Housing Lender Not a commitment to lock or lend.  Terms and conditions apply.  Not all applicants will qualify.  Licensed in OR/WA/CA/AZ/ID/UT with licensing in California by the Department of Financial Protection and Innovation (DFPI) under the Residential Mortgage Act.  Questions and concerns may be directed to our Corporate Office or customerservice@mtgxps.com.  Visit www.nmlsconsumeraccess.org for more information.

Wondering if you should be looking into a purchase or a refinance? Why are so many applying for mortgage applications all of the sudden? Debbie Marcoux - AZ-0941504, CA-237926, Fl-LO76508, GA-69178, ID, IL-031.0058339, NC, NV-57237, OR, TN-184373, TX, WA-MLO-237926 | JMJ Financial Group NMLS ID #167867 |Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act, Licensee Number 01134087. 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.

Important data for those who have lost their home or have been displaced. We will also talk about CA Insurance Policies and what to do at your next renewal. Many carriers will drop current policies. Be prepared! Debbie Marcoux - AZ-0941504, CA-237926, Fl-LO76508, GA-69178, ID, IL-031.0058339, NC, NV-57237, OR, TN-184373, TX, WA-MLO-237926 | JMJ Financial Group NMLS ID #167867 |Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act, Licensee Number 01134087. 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.

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

Debbie Marcoux - AZ-0941504, CA-237926, Fl-LO76508, GA-69178, ID, IL-031.0058339, NC, NV-57237, OR, TN-184373, TX, WA-MLO-237926 | JMJ Financial Group NMLS ID #167867 |Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act, Licensee Number 01134087. 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.

Send us a textCasey & Mikal are joined by a fellow Mortgage Express Loan Officer and Actor, Tom Hestmark. The gang covers beginning in the industry and navigating purchasing a Condo in today's market. Mikal MeleLoan Officer & Mortgage AdvisorNMLS 963197 Casey CarpenterLoan Officer & Mortgage AdvisorNMLS 1458123  Ready to Apply? Visit www.mtgxps.com | Mortgage Express, LLC NMLS ID 40831 | Equal Housing Lender Not a commitment to lock or lend.  Terms and conditions apply.  Not all applicants will qualify.  Licensed in OR/WA/CA/AZ/ID/UT with licensing in California by the Department of Financial Protection and Innovation (DFPI) under the Residential Mortgage Act.  Questions and concerns may be directed to our Corporate Office or customerservice@mtgxps.com.  Visit www.nmlsconsumeraccess.org for more information.

SEND US A TEXT MESSAGE!!! Let Drs. Nii & Renee know what you think about the show!Can you balance the art of being the business and running a business, all while navigating a medical career? This episode, equips you with essential strategies to secure your financial future and dive into entrepreneurship in the medical field.This conversation explains why legal expertise is paramount in this journey, especially when establishing a business in the medical sector.Timeline0:00 Introduction & Working night shifts as a locums doctor.4:45 Dr. Nii forgot he was on call.8:54 Q&A on creating a locums company for nurses.12:26 Figuring out how much locums companies are charging15:22 How we managed to run our locums company.19:13 Getting a lawyer to review your contracts.21:16 Do you want to run the business or be the business?24:30 Listening to your employees.25:31 Quick tour of Dr. Nii's hotel room when on a locums assignment.FREE DOWNLOAD -  7 Considerations Before Starting Locum Tenens - https://darkos.lpages.co/7-considerations-before-locumsSIGN UP FOR OUR NEWSLETTER! https://darkos.lpages.co/newsletter-signup/ WATCH THIS EPISODE ON YOUTUBE!Have a question for the podcast?Text us at 833-230-2860Twitter: @drniidarkoInstagram: @docsoutsidetheboxEmail: team@drniidarko.comMerch: https://docs-outside-the-box.creator-spring.comThis episode is sponsored by Set For Life Insurance. What the Darkos use for great disability insurance at a low cost!! Check them out at https://setforlifeinsurance.com/

Debbie Marcoux - AZ-0941504, CA-237926, Fl-LO76508, GA-69178, ID, IL-031.0058339, NC, NV-57237, OR, TN-184373, TX, WA-MLO-237926 | JMJ Financial Group NMLS ID #167867 |Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act, Licensee Number 01134087. 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.

Debbie Marcoux - AZ-0941504, CA-237926, Fl-LO76508, GA-69178, ID, IL-031.0058339, NC, NV-57237, OR, TN-184373, TX, WA-MLO-237926 | JMJ Financial Group NMLS ID #167867 |Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act, Licensee Number 01134087. 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.

Send us a textAre you ready for the new year? Casey & Addy sit down to cover how you can be a successful homebuyer in 2025 and avoid some pitfalls of the current market. Ready to learn more and get the ball rolling on your next home purchase? Contact Casey & Addy Today! Mikal MeleLoan Officer & Mortgage AdvisorNMLS 963197 Casey CarpenterLoan Officer & Mortgage AdvisorNMLS 1458123 Addy NettLoan Officer & Mortgage AdvisorNMLS 1542184 Mortgage Express, LLC NMLS ID 40831 | Equal Housing LenderNot a commitment to lock or lend.  Terms and conditions apply.  Not all applicants will qualify.  Licensed in OR/WA/CA/AZ/ID with licensing in California by the Department of Financial Protection and Innovation (DFPI) under the Residential Mortgage Act.  Questions and concerns may be directed to our Corporate Office or customerservice@mtgxps.com.  Visit www.nmlsconsumeraccess.org for more information.

Send us a textThis week the MLO Crew is joined by Casey's daughter Chloe, who helps the gang navigate post-election market information. Are you curious about where industry conditions stand in a rapidly changing political environment? Contact Addy, Casey, & Mikal today to learn more! Mikal MeleLoan Officer & Mortgage AdvisorNMLS 963197 Casey CarpenterLoan Officer & Mortgage AdvisorNMLS 1458123 Addy NettLoan Officer & Mortgage AdvisorNMLS 1542184 Mortgage Express, LLC NMLS ID 40831 | Equal Housing LenderNot a commitment to lock or lend.  Terms and conditions apply.  Not all applicants will qualify.  Licensed in OR/WA/CA/AZ/ID with licensing in California by the Department of Financial Protection and Innovation (DFPI) under the Residential Mortgage Act.  Questions and concerns may be directed to our Corporate Office or customerservice@mtgxps.com.  Visit www.nmlsconsumeraccess.org for more information.

Send us a textThe gang is joined by a special guest this week. Addy, Mikal, and Casey pick Kevin Winkle's brain on purchasing a resale or a newly constructed home. Kevin Winkle is a Realtor at Keller Williams Portland Elite, and luxury real estate guru. Mikal MeleLoan Officer & Mortgage AdvisorNMLS 963197Casey CarpenterLoan Officer & Mortgage AdvisorNMLS 1458123Addy NettLoan Officer & Mortgage AdvisorNMLS 1542184Mortgage Express, LLC NMLS ID 40831 | Equal Housing LenderNot a commitment to lock or lend.  Terms and conditions apply.  Not all applicants will qualify.  Licensed in OR/WA/CA/AZ/ID with licensing in California by the Department of Financial Protection and Innovation (DFPI) under the Residential Mortgage Act.  Questions and concerns may be directed to our Corporate Office or customerservice@mtgxps.com.  Visit www.nmlsconsumeraccess.org for more information.

Send us a textCasey, Addy, and Mikal sit down to cover topics ranging from "Girl Talk" to making sure you're really seeing all the options available to you when it comes to refinancing vs recasting. Mikal MeleLoan Officer & Mortgage AdvisorNMLS 963197 Casey CarpenterLoan Officer & Mortgage AdvisorNMLS 1458123 Addy NettLoan Officer & Mortgage AdvisorNMLS 1542184 Mortgage Express, LLC NMLS ID 40831 | Equal Housing LenderNot a commitment to lock or lend.  Terms and conditions apply.  Not all applicants will qualify.  Licensed in OR/WA/CA/AZ/ID with licensing in California by the Department of Financial Protection and Innovation (DFPI) under the Residential Mortgage Act.  Questions and concerns may be directed to our Corporate Office or customerservice@mtgxps.com.  Visit www.nmlsconsumeraccess.org for more information.

Send us a textHow can anyone Compete with a Cash offer? 1. Understanding different types of "cash offers" - not always literal cash, can be from hard money loans, lines of credit, 1031 exchanges, etc.2. Tips for making a competitive offer as a financed buyer:- Submit offers quickly, with a short timeline (e.g., 24-hour response)- Minimize contingencies and inspection periods- Offer higher than list price but ask for seller credits to cover closing costs- Work with a lender who can close quickly (e.g., 2 weeks)3. Exploring alternative financing options to compete with cash buyers:- Cash buyer programs that provide upfront cash, then you refinance- Bridge loans using equity in your current home4. Importance of being prepared as a financed buyer:- Get pre-approved, have documents ready- If selling a home, make sure it's ready to list quickly- Understand debt-to-income ratios and loan program limits5. Strengthening a contingent offer by putting down earnest money, shortening timelines, etc.6. Recognizing that even with financing, you can be competitive by understanding the market and working closely with your agent and lender. Mikal MeleLoan Officer & Mortgage AdvisorNMLS 963197 Casey CarpenterLoan Officer & Mortgage AdvisorNMLS 1458123 Addy NettLoan Officer & Mortgage AdvisorNMLS 1542184 Mortgage Express, LLC NMLS ID 40831 | Equal Housing LenderNot a commitment to lock or lend.  Terms and conditions apply.  Not all applicants will qualify.  Licensed in OR/WA/CA/AZ/ID with licensing in California by the Department of Financial Protection and Innovation (DFPI) under the Residential Mortgage Act.  Questions and concerns may be directed to our Corporate Office or customerservice@mtgxps.com.  Visit www.nmlsconsumeraccess.org for more information.

In this episode of Zero to CEO, I sit down with Roy Snarr, a top 1% finance professional and expert in asset protection, specializing in life insurance, long-term care, and annuities. Roy shares his personal journey, which began in the 1990s when his family lost their home and savings due to a market crash and his mother's disability. This experience motivated him to pursue a career in insurance, focusing on safeguarding financial futures through accessible strategies. Today, as the founder of industry-leading firms like Roy Snarr Retirement Solutions and Snarr Academy, and an international bestselling author, Roy offers invaluable insights into securing your financial peace of mind and planning for retirement.

Interest Rate History Lesson! From Obama through Biden. Looking for numbers for your own personal scenario, go to our website, mortgagemomradio.com and book a consultation or call 844-935-3634. Debbie Marcoux - AZ-0941504, CA-237926, Fl-LO76508, GA-69178, ID, IL-031.0058339, NC, NV-57237, OR, TN-184373, TX, WA-MLO-237926 | JMJ Financial Group NMLS ID #167867 |Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act, Licensee Number 01134087. 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.

Send us a text1. Property taxes in Oregon are unique - they are paid annually in November, unlike most other states where they are paid twice a year.2. There are discounts available for early payment of property taxes in Oregon - up to 3% if paid in full by the 15th of November.3. The fiscal year for property taxes in Oregon runs from July 1 to June 30, so when you purchase a home, you may need to pay back the seller for the portion of taxes they have already paid.4. Local lenders who are familiar with the Oregon property tax system are important, as out-of-state lenders may not understand the nuances.5. There are potential ways to reduce property taxes, such as if the homeowner is a 100% disabled veteran or elderly.6. New construction properties pose unique challenges, as the taxes are initially based only on the land value until the home is assessed.7. Property taxes can fluctuate year-over-year due to new taxes or levies being added, so it's important to be aware of this when budgeting.8. Understanding whether your property tax statement is "yellow" (taxes paid) or "green" (taxes unpaid) is crucial, and you should reach out to your lender if you have any questions.Mikal Mele Mikal Ashley MeleLoan Officer & Mortgage AdvisorNMLS 963197Casey Carpenter Casey CarpenterLoan Officer & Mortgage AdvisorNMLS 1458123Addy NettLoan Officer & Mortgage AdvisorNMLS 1542184Mortgage Express, LLC NMLS ID 40831 | Equal Housing LenderNot a commitment to lock or lend.  Terms and conditions apply.  Not all applicants will qualify.  Licensed in OR/WA/CA/AZ/ID with licensing in California by the Department of Financial Protection and Innovation (DFPI) under the Residential Mortgage Act.  Questions and concerns may be directed to our Corporate Office or customerservice@mtgxps.com.  Visit www.nmlsconsumeraccess.org for more information.

Many times clients have no idea that they could be committing mortgage fraud. There can be major consequences when this takes place. Make sure that you are talking openly and honestly with your mortgage loan officer to determine the best loan program for you! Looking for numbers for your own personal scenario, go to our website, mortgagemomradio.com and book a consultation or call 844-935-3634. Debbie Marcoux - AZ-0941504, CA-237926, Fl-LO76508, GA-69178, ID, IL-031.0058339, NC, NV-57237, OR, TN-184373, TX, WA-MLO-237926 | JMJ Financial Group NMLS ID #167867 |Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act, Licensee Number 01134087. 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.

Send us a textAddy & Casey sit down to cover the true cost of purchasing a home, and the cost of homeownership. Are you ready to purchase knowing the real cost? Mikal Mele Mikal Ashley MeleLoan Officer & Mortgage AdvisorNMLS 963197Casey Carpenter Casey CarpenterLoan Officer & Mortgage AdvisorNMLS 1458123Addy NettLoan Officer & Mortgage AdvisorNMLS 1542184Mortgage Express, LLC NMLS ID 40831 | Equal Housing LenderNot a commitment to lock or lend.  Terms and conditions apply.  Not all applicants will qualify.  Licensed in OR/WA/CA/AZ/ID with licensing in California by the Department of Financial Protection and Innovation (DFPI) under the Residential Mortgage Act.  Questions and concerns may be directed to our Corporate Office or customerservice@mtgxps.com.  Visit www.nmlsconsumeraccess.org for more information.

Send us a textMikal and Addy discuss the risks of switching mortgage lenders while home shopping or in transaction. Learn the pros and cons of navigating a switch as a homebuyer. Mikal MeleLoan Officer & Mortgage AdvisorNMLS 963197 Casey CarpenterLoan Officer & Mortgage AdvisorNMLS 1458123 Addy NettLoan Officer & Mortgage AdvisorNMLS 1542184 Mortgage Express, LLC NMLS ID 40831 | Equal Housing LenderNot a commitment to lock or lend.  Terms and conditions apply.  Not all applicants will qualify.  Licensed in OR/WA/CA/AZ/ID with licensing in California by the Department of Financial Protection and Innovation (DFPI) under the Residential Mortgage Act.  Questions and concerns may be directed to our Corporate Office or customerservice@mtgxps.com.  Visit www.nmlsconsumeraccess.org for more information.

War between Iran and Israel has quickly increased the cost per barrel for oil. This will in turn increase inflation. We have a strike at the ports which will also be a driver of inflation. Interest rates are headed the wrong direction as the news of the ADP report comes in better than expected. I decided to take a break from the bad news and instead we had fund meeting our new little boy, Obi Wan Kanewfi, who will be trained to help our Autistic son Zeke. Looking for numbers for your own personal scenario, go to our website, mortgagemomradio.com and book a consultation or call 844-935-3634. Debbie Marcoux - AZ-0941504, CA-237926, Fl-LO76508, GA-69178, ID, IL-031.0058339, NC, NV-57237, OR, TN-184373, TX, WA-MLO-237926 | JMJ Financial Group NMLS ID #167867 |Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act, Licensee Number 01134087. 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.

Married couples, is your AB trust still serving your needs, or has it outstayed its welcome? In this episode of Absolute Trust Talk, Kirsten Howe and associate attorney Jessica Colbert take a closer look at AB trusts, a once-standard estate planning tool. They discuss when an AB trust makes sense and when it might just add unnecessary complexity and cost. Tune in as they explain the key benefits of asset control after death, while also considering the downsides, such as tax filing requirements and maintenance expenses. Whether you're revisiting an existing trust or planning for the future, this episode offers practical advice to help you make informed decisions.   Time-stamped Show Notes: 0:00 Introduction 1:07 What exactly is an AB Trust? We break it down here. 2:47 Understanding how an AB Trust works. You may have heard it called something else. 4:18 Why might a surviving spouse want control over the decedent's trust? Here's how AB Trusts make that possible. 5:35 The downsides of an AB Trust: from annual tax returns to high maintenance costs. 6:29 Could there be a simpler alternative? We discuss potential options.

Send us a textAfter a long break and a physical move of our studio, MLO is back and with a new Co-Host, Mikal Mele. Our director and President of Mortgage Express welcomes us to our new home and then we dive into some brewing topics within Real Estate & Mortgage:Refinancing: what to know and the importance of breakeven pointsSocial Media Content from Realtors and Mortgage Lenders (what can you believe?)Election Period and 2025 FED/Interest Rate Predictions----Mikal MeleLoan Officer & Mortgage AdvisorNMLS 963197 Casey CarpenterLoan Officer & Mortgage AdvisorNMLS 1458123 Addy NettLoan Officer & Mortgage AdvisorNMLS 1542184 Mortgage Express, LLC NMLS ID 40831 | Equal Housing LenderNot a commitment to lock or lend.  Terms and conditions apply.  Not all applicants will qualify.  Licensed in OR/WA/CA/AZ/ID with licensing in California by the Department of Financial Protection and Innovation (DFPI) under the Residential Mortgage Act.  Questions and concerns may be directed to our Corporate Office or customerservice@mtgxps.com.  Visit www.nmlsconsumeraccess.org for more information. 

Send us a textThe MLO crew dives into some creative alternative financing options. Specifically geared towards bank statement loans, self employed individuals and Military Veterans. Mikal MeleLoan Officer & Mortgage AdvisorNMLS 963197 Casey CarpenterLoan Officer & Mortgage AdvisorNMLS 1458123 Addy NettLoan Officer & Mortgage AdvisorNMLS 1542184 Mortgage Express, LLC NMLS ID 40831 | Equal Housing LenderNot a commitment to lock or lend.  Terms and conditions apply.  Not all applicants will qualify.  Licensed in OR/WA/CA/AZ/ID with licensing in California by the Department of Financial Protection and Innovation (DFPI) under the Residential Mortgage Act.  Questions and concerns may be directed to our Corporate Office or customerservice@mtgxps.com.  Visit www.nmlsconsumeraccess.org for more information. 

Send us a textPost Fed Meeting discussing between Mikal, Casey and Addy. Reviewing the impact on the recent reduction of interest rates and how to create a strategy to survive 2025. Mikal MeleLoan Officer & Mortgage AdvisorNMLS 963197 Casey CarpenterLoan Officer & Mortgage AdvisorNMLS 1458123 Addy NettLoan Officer & Mortgage AdvisorNMLS 1542184 Mortgage Express, LLC NMLS ID 40831 | Equal Housing LenderNot a commitment to lock or lend.  Terms and conditions apply.  Not all applicants will qualify.  Licensed in OR/WA/CA/AZ/ID with licensing in California by the Department of Financial Protection and Innovation (DFPI) under the Residential Mortgage Act.  Questions and concerns may be directed to our Corporate Office or customerservice@mtgxps.com.  Visit www.nmlsconsumeraccess.org for more information.

Is it best to refinance now or wait for even lower rates? How about that home purchase, is it better to wait until after the election or purchase now. Looking for numbers for your own personal scenario, go to our website, mortgagemomradio.com and book a consultation or call 844-935-3634. Debbie Marcoux - AZ-0941504, CA-237926, Fl-LO76508, GA-69178, ID, IL-031.0058339, NC, NV-57237, OR, TN-184373, TX, WA-MLO-237926 | JMJ Financial Group NMLS ID #167867 |Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act, Licensee Number 01134087. 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.

After three long years of higher for longer, we finally get our first rate cut by the Fed. What's to come and how does this open up new possibilities for you? Got debt and need to get it handled? Need to lower your mortgage payment? Looking for numbers for your own personal scenario, go to our website, mortgagemomradio.com and book a consultation or call 844-935-3634. Debbie Marcoux - AZ-0941504, CA-237926, Fl-LO76508, GA-69178, ID, IL-031.0058339, NC, NV-57237, OR, TN-184373, TX, WA-MLO-237926 | JMJ Financial Group NMLS ID #167867 |Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act, Licensee Number 01134087. 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.

Anybody that has an FHA or VA Loan and their interest rate is above 6% is now in a position that a streamline refinance to help them to reduce their rate and monthly payments. In this episode we explain how the program works and the average interest rates that we have been locking in. Looking for numbers for your own personal scenario, go to our website, mortgagemomradio.com and book a consultation or call 844-935-3634. Debbie Marcoux - AZ-0941504, CA-237926, Fl-LO76508, GA-69178, ID, IL-031.0058339, NC, NV-57237, OR, TN-184373, TX, WA-MLO-237926 | JMJ Financial Group NMLS ID #167867 |Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act, Licensee Number 01134087. 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 of The Financial Guys Podcast, hosts Glenn Wiggle, Mike Lomas, and Mike Sperrazza discuss the pressing issues of our time from a conservative perspective. They tackle the need for enhanced security measures at the southern border to address community safety concerns and the influx of migrants into Amherst. The hosts critique the Democrats' plans to expand Obamacare, warning of potential economic fallout reminiscent of the 2008 financial crisis. They also delve into the controversy surrounding the Red Roof Inn's conversion into a migrant hotel, the broader implications of unchecked migration on community resources, and the role of local officials in addressing these challenges. The discussion moves to wealth disparities, critiquing liberal policies aimed at income equality, and highlights the contentious issues within the Democratic Party, including radical policies on abortion and gubernatorial actions. The hosts raise alarms about the impact of immigration on voting integrity and the importance of exploring various insurance options to protect financially. Finally, they touch on the impact of missing local sports games, lamenting the perceived lack of patriotism in recent events. (00:04:23) Implications of Unchecked Migration on Community (00:09:39) Democratic Vision for a Reinforced Healthcare System (00:18:01) Controversy Surrounding Red Roof Inn Conversion (00:20:47) Impact of Migrants in Local Motels (00:22:51) Wealth Redistribution and Government Intervention Effects (00:26:26) Controversial Democrat Policies: Abortion, Governance, Legislation (00:29:47) Ethical Concerns and Inhumane Practices in Abortion (00:35:17) Impact of Immigration on Electoral Integrity (00:44:30) Proactive Insurance Shopping for Financial Protection (00:49:42) Longing for Local Sports Excitement