Podcasts about how cindy

In this episode, Dr. Amber Selking speaks with her mom, Cindy Lattner, about the power of the word intention. Cindy reflects on her parenting skills and how she raised her children to become the best human beings they can be and make the world a better place. She also discusses how raising animals helped her children learn about life.   About Building Championship Mindsets Welcome to “Building Championship Mindsets. | the Podcast!” From the LockerRoom to the BoardRoom, our purpose is to help individuals, teams, and organizations understand and leverage the power of Mindset and Leadership to drive results and achieve sustainable performance excellence.  Selking Performance Group serves as the Mental Performance Consultant for Head Coach Brian Kelly and the Notre Dame Football team, and does speaking and training for sports teams and business organizations around the globe. She is the Vice President of Leadership & Culture Development at Lippert Components, Inc., a publicly-traded manufacturing company whose corporate vision is to change the model of work, demonstrating that business can and should Be a Force for Good in our world. Dr. Selking has also served as an adjunct professor in the Mendoza College of Business at the University of Notre Dame, where she taught Strategic Human Resource Management at the undergraduate and graduate levels. Dr. Selking received her PhD in Applied Sport Psychology from the University of Missouri under Dr. Rick McGuire, her master’s degree in Sport and Performance Psychology from the University of Denver, and her bachelor’s degree in Management Consulting from the University of Notre Dame. At ND, Amber played soccer for the Fighting Irish before injury ended her career, after which she founded Notre Dame Christian Athletes (NDCA) in the ND Athletic Department. She currently resides in South Bend, Indiana, with her husband, Aaron, and their Doberman Pinscher, Rockne.   Championship Mindset Training | MidWeek Mental Rep   Be intentional about your thoughts. What are your goals? Then be intentional on how you’re going to achieve them. Focus on what that’s going to look like and develop a time frame to get it done.     STANDOUT QUOTES “When you empower people, you don’t want to be the one that’s being empowered.” -Cindy Lattner [16:44] “Learning consequences to decisions that you make I feel like was such a thread that ran through our world and our lives.” -Dr. Amber Selking [19:07] “By always living up to what you’re capable of, I think is where you set your bar.” -Cindy Lattner [23:39] “Mom and Dad have to be in that whole consistency together, because if one says one thing and the other one says another, pretty soon things start to fall apart.” -Cindy Lattner [29:21]   Please get on iTunes to rate us and write a review for us! We are excited to complimentarily share this content with our audience, and your rates and reviews will enable us to continue sharing quality content. Also, please share the podcast on Facebook, Twitter, Instagram, and any other social media that you use, so we can continue Building Championship Mindsets around the world! If you are interested in being a sponsor of this podcast, please contact Dr. Selking directly.   Additional Links: Email me to schedule a speaking engagement! amber@selkingperformance.com Check out our TWO E-BOOKS! "A Dream Come True: the Buzz on Greatness" “Winner's Circle"  Selking Performance Group (SPG) Website: www.selkingperformance.com Follow SPG on Twitter: @ChampMindsets Check us out on Instagram: @selkingperformance Like SPG on Facebook: Selking Performance Group Email me to become a podcast partner through sponsorship: amber@selkingperformance.com Check out Dr. Selking’s TEDxTalk entitled, “Think Like a Champion Today” to learn more about the power of your mind to drive excellence in all areas of your life!   TIMESTAMPS [00:02] Intro [01:24] Today’s guest: Cindy Lattner [03:39] “How did you do this?” [06:11] Cindy’s word for 2021: intentionality [09:01] How Cindy’s parents impacted her life [10:14] How safety relates to parenting [15:32] Selflessness, empowerment and trust [22:55] How to keep getting better [23:47] The modeling effect [30:38] This week’s Championship Mindset Training [32:08] Outro

On the show today, we have singer-songwriter, Cindy Alexander. Cindy has been nominated and won numerous awards as a songwriter, for example, the Los Angeles Music Awards, JPF Music Awards and All Access Music Awards.It was a real pleasure having Cindy on and it was fascinating learning more about the entrepreneurial spirit that has sustained her throughout her career. We also spoke about cancer and how Cindy deals with her own cancer and the sexual abuse she has had to suffer.Cancer is just so awful and it can be stressed enough how important it is for you to go to the doctor if you feel anything that’s abnormal.I hope you will enjoy this conversation with Cindy Alexander.In this interview, we spoke about:• How Cindy handled receiving the news she had breast cancer• Doing crowdfunding before Kickstarter• Cindy’s entrepreneurial spirit and how that has allowed her to make a living from her music• Dealing with sexual abuse, harassments and stalkers• Her experience of being on NBC’s Star Tomorrow and why she hated it• Things she won’t do on social mediaAnd much moreConnect With Cindy On:Website:http://www.cindyalexander.comInstagram:https://www.instagram.com/pnutsings/Facebook: https://www.facebook.com/cindyalexander.musicSpotify:https://open.spotify.com/artist/3k86NL37impzmaFsRzivqG►► Join The Audio Tribe To Get Exclusive Access To Interviews And More: https://www.youraudiosolutions.com/exclusive-access

“Through everything I endured, the one solid takeaway I received from my time at my first program is my purpose in this industry. My time as a doe-eyed California girl with Broadway dreams had come to a close, and a new mission was born – not giving up my dreams as a performer, but making sure that the work I do serves a higher cause in lifting people of color in this industry.” - Cindy Tsai, ONE YEAR LATER – Transferring Musical Theatre Programs Due to Racial Trauma, March 26, 2019__________________________________Episode 6: Cindy Tsai Welcome to the Antiracist Artist Podcast, a podcast for activists, advocates, and allies working to make our communities equitable through artistry. Each episode we are joined in conversation by an artist or arts facilitator who has been paving the way, in hopes of learning from their expertise and experience. Through action and unity, we can create a better tomorrow today. Let’s go!__________________________________Hello and welcome to the Antiracist Artist Podcast. I’m your host, Taylor Ybarra, and I’m so glad to have you a part of the conversation. In our sixth episode, we are joined by Cindy Tsai (she/her)  who is a performer, producer, creator, and advocate. She is a first-generation Taiwanese and Chinese-American woman who has always loved theater and creating. Cindy is currently attending Pace University in New York City, on her way to receiving her B.F.A. in Musical Theatre & Minor in Critical Race and Ethnicities. One main value Cindy has as a theatre artist is de-centering whiteness in storytelling and centering BIPOC voices and experiences. The work she does is in an effort to bring authentic visibility, recognition, and celebration to BIPOC communities. Storytelling should include, value, and celebrate people of different colors, genders, sexualities, sizes, abilities, and identities.To get in contact with Cindy, please send her a DM on her Instagram page @cindyctsaiDuring this episode, Cindy and I talk about:Being an Asian identifying actor.Manifesting change to dismantle systems of oppression and white supremacy while continuously finding new ways to improve the conditions of the cause.How Cindy personally sustains and maintains her momentum when pushing for instilled principles of antiracism and equity.Using the intersection of her studies of studying for her BFA in musical theater while simultaneously receiving a minor in critical race and ethnicities. Cultivating spaces for the BIPOC community in the theater.The API community/identity and how they can uplift their own community and other BIPOC communities but also understanding when to step forward and backward during social injustice issues when it comes to communities outside of their own.What Broadway For Racial Justice does for the BIPOC Broadway community.Returning to the theater stage and what it should look like as we move toward justice and liberation for all.Resources & Organizations Mentioned:ZAPI ArtistsPerforming Arts Programs Fighting Against Institutionalized Racism & Ways to SupportBroadway For Racial JusticeThe Nuances of Racism in Theatre School by Cindy TsaiThis is Our Hour: Under Our Own PenSee Our TruthsAfect ChangeBroadway SinfoniettaCommunity Workshop: Looking Back to Steer Forward: History Fueling Action w/ Amara Brady Black Womxn ExhaleReading Community Episode TranscriptIn each episode, we invite our guests to choose an organization to uplift, one that is creating a meaningful impact toward a more equitable, inclusive, accessible, and antiracist future. In honor of Cindy, she has chosen See Our Truths. See Our Truths was created to share individual and collective truths for the purposes of building community, healing through connection, and dismantling oppression in all of its forms. You can donate as well and learn more about their work on Instagram @seeourtruths.This podcast is made with, by, and for those of us in this fight together, and I invite you to be a part of this podcast community with us. You can stay connected with us at AntiracistArtist.com, on Instagram @antiracistartist, or by emailing antiracistartist@gmail.com. Let us know why antiracist artistry is important to you, what questions you would like to dig into, and who you’d like to hear from in future episodes. __________________________________The Antiracist Artist Podcast is hosted by Taylor Ybarra, produced by Subito Politico Productions, LLC, edited by Andrew Alcaraz, and Project + Community Managed by Maricela Juarez. To stay connected with the Antiracist Artist Podcast, please visit us at AntiracistArtist.com, on Instagram @antiracistartist, or via email at antiracistartist@gmail.com. We’d love to hear from you!Our podcast is made possible with the support of folx like you. You can get exclusive content and access to the show by becoming a patron at patreon.com/antiracistartist. This episode’s donation was made possible in part by the generosity of Jenny Hoofnagle.Theme music features vocals by Esteban Suero, Forest VanDyke, Kennedy Kanagawa, Jamison, & MinJi Kim._________________________________________________Get SocialConnect with us! | Instagram @antiracistartist | FaceBook @AAPcommunity | Twitter @AAPcommunity _______This episode features the following artists/arts facilitators:Esteban Suero | IG @estesuero / @theofficialerosForest VanDyke | IG - @forestvandykeKennedy Kanagawa | kennedykanagawa.com | IG @thisiskennedyJamison | www.courtneyjamison.com | IG @iamcourtneyjamison | TW @thecjamisonMinJi Kim | IG @minjilikesdogsandmusicMaricela Juarez | www.maricelajuarez.com | IG @remarkablymari

The willingness to take risks, to be authentic, and to be open to vulnerability is critical to a new relationship. To author and speaker Gregg Levoy and musician and former Silicon Valley tech executive Cindy Nelson, being able to work with each other’s darkness and light - not to mention their “crazies” - allows them to go deeper in their connection with each other. Gregg & Cindy both began their relationship in May 2020. At the height of the pandemic, Gregg & Cindy navigated their budding relationship slowly, bearing the openness to balance out infatuation and romance with gentle doses of reality, indeed demonstrating that “love” is not only a feeling, but also a verb. In this episode, Greg, Cindy, and I share the story of how they met and illustrate their unique way of connecting with each other. We discuss the value of catching and addressing issues while they’re still small and describe how couples can use non-violent communication to resolve conflict. We also highlight how couples can cultivate safety in each other and explain why it can be beneficial to see a couples’ therapist early on in the relationship.   “As we share our vulnerabilities, we become more capable of handling them, sharing them with somebody else, and putting our hearts in their hands.” - Gregg Levoy   This week on Relationships! Let’s Talk About It: How meeting during the pandemic helped Greg & Cindy take their time in their relationship Greg & Cindy’s first meeting in person after months of written correspondence The dynamics of new relationships and how Cindy & Greg knew they wanted to pursue their connection further Purposefully balancing out infatuation and romance with gentle doses of reality The first question Cindy asked in person and how Greg established that he wanted somebody with depth Greg & Cindy’s “crazies” and the importance of being open to vulnerability The power of intentional touch and its impact on a new relationship Establishing the need for some time alone and how Greg & Cindy satisfy each other’s love languages The right time to bring the “love is blind” adage into a relationship How taking risks and exploring vulnerability brings more love, intimacy, and safety How Cindy’s mindfulness practice helps her navigate her relationship with Greg Working through challenges while they’re still small Using non-violent communication to work through conflicts and avoid kitchen-sinking Expecting potential challenges and milestones in new relationships Navigating the extrovert-introvert scale between Greg & Cindy Making peace with and respecting your partner’s history and previous relationships Why it could be beneficial to see a relationship therapist earlier in a relationship   Related Content: The Loss of Touch Non-Violent Communication Building Trust in Relationships Heartbreak: Getting Whacked by Love Releasing Tension: The Courage to Feel The Importance of Self-Inquiry in Building Healthy Relationships Following Personal Passions and Taking Risks Can Nurture Your Relationships   Connect with Gregg Levoy: Gregg Levoy Website Gregg Levoy on Facebook Book: Callings: Finding and Following an Authentic Life by Gregg Levoy Book: Vital Signs: Discovering and Sustaining Your Passion for Life by Gregg Levoy   Connect with Cindy Nelson: Cindy Nelson on LinkedIn   Sponsored by Still Point Wellness Still Point Wellness is Asheville’s premier spa experience. Enjoy effortless relaxation and rejuvenate your body through Still Point’s world-class services including Esalen Massage®, Salt Water Floatation also known as sensory deprivation, Cranial Sacral Therapy, and Somatic Psychology. Experience the healing powers of deep relaxation like never before! Schedule your first appointment by visiting www.StillPointWell.com or call (828) 348-5372. Mention the code: Pripo to receive 10% off your first Salt Water Floatation or Esalen Massage®!   Let’s Talk About It! Thanks for tuning into this week’s episode of Relationships! Let’s Talk About It - the show to help you forge deeper, more meaningful connections and relationships with those around you. If you enjoyed this week’s episode, please head over to Apple Podcasts, subscribe to the show, and leave us a rating and review. You can check out the original songs I have sung in my podcast at Pripo’s Podcast Songs. If you have a relationship question you’d love to have answered, contact us. Your question may be featured on a future episode! Don’t forget to visit our website, like us on Facebook at HeartShare Counseling, join our Relationships! Let’s Talk About It Facebook group, and follow us on Twitter and Instagram. Share your favorite episodes on social media to help others build better, more meaningful relationships. And if our content has helped you forge deeper connections and more meaningful relationships, be sure to help support the show by visiting our Support the Podcast page! Theme music “These Streets” provided by Adi the Monk

Cindy Krum talks with Jason Barnard about MoxieScore. Moxiescore is MobileMoxie’s new SERP measurement tool, theWith Universal and Extended search (rich results), one of the biggest challenges in digital marketing is to explain SEO performance to a client or a boss in a clear manner that is easy to understand. Cindy developed MoxieScore to make that task simpler... Cindy explains the concept and the ideas behind her new scoring system. https://www.youtube.com/watch?v=GQqkpEazdWg In partnership with Wordlift 0:50 Cindy Krum's Brand SERP on Google and YouTube 3:07 What is the MoxieScore?6:38 How MoxieScore helps you quantify your real SEO success, so you can present it to stakeholders in a clear way 7:53 A quick dive into the sheer scale of all the different devices, languages, countries we should really be tracking 9:17 How MoxieScore differs from Kalicube as a measurement of SERPs 9:59 Cindy discusses different metrics that MoxieScore uses 11:46 How the MoxieScore and the MessScore help you identify the right queries to rank for 13:16 A quick discussion about the merits (or not) of “MuddleScore” 13:48 Obsessing about short head queries is a mistake 15:10 How Cindy's company — MobileMoxie — is trying to modernize how SEO Marketers think about their job, and how they look at SERP rankings 17:15 Tactics to simplify the presentation of different rankings on a SERP 17:56 How the MoxieScore works, and what elements it takes into account 20:06 Cindy shares MoxieScore's user-friendly features 21:02 How much control do people have over their knowledge panel? 22:03 MobileMoxie’s Page-oscope features 24:24 The future of on SERP SEO for businesses 25:37 Google as a free branding platform 26:49 Off site SEO and using social media platforms to rank

Cindy Krum talks with Jason Barnard about MoxieScore. Moxiescore is MobileMoxie's new SERP measurement tool, theWith Universal and Extended search (rich results), one of the biggest challenges in digital marketing is to explain SEO performance to a client or a boss in a clear manner that is easy to understand. Cindy developed MoxieScore to make that task simpler... Cindy explains the concept and the ideas behind her new scoring system. What you'll learn 0:50 Cindy Krum's Brand SERP on Google and YouTube 3:07 What is the MoxieScore?6:38 How MoxieScore helps you quantify your real SEO success, so you can present it to stakeholders in a clear way 7:53 A quick dive into the sheer scale of all the different devices, languages, countries we should really be tracking 9:17 How MoxieScore differs from Kalicube as a measurement of SERPs 9:59 Cindy discusses different metrics that MoxieScore uses 11:46 How the MoxieScore and the MessScore help you identify the right queries to rank for 13:16 A quick discussion about the merits (or not) of “MuddleScore” 13:48 Obsessing about short head queries is a mistake 15:10 How Cindy's company — MobileMoxie — is trying to modernize how SEO Marketers think about their job, and how they look at SERP rankings 17:15 Tactics to simplify the presentation of different rankings on a SERP 17:56 How the MoxieScore works, and what elements it takes into account 20:06 Cindy shares MoxieScore's user-friendly features 21:02 How much control do people have over their knowledge panel? 22:03 MobileMoxie's Page-oscope features 24:24 The future of on SERP SEO for businesses 25:37 Google as a free branding platform 26:49 Off site SEO and using social media platforms to rank Subscribe to the podcast Subscribe here >> This episode was recorded live on video December 9th 2020 Recorded live at Kalicube Tuesdays (Digital Marketing Livestream Event Series). Watch the video now >>

Zero To Hero: The Astounding Success Of Dog Trainer Academy Graduate, Cindy Christensen Today’s Guest Cindy Christensen - Doggy Dan-Trained Dog Trainer Extraordinaire I’m so excited to introduce to you today’s guest, Cindy Christensen. She’s a dear friend of mine, a graduate of my Dog Trainer Academy, and is now a wildly successful dog trainer! In today’s podcast Cindy shares her journey of how her very stubborn and scary cocker spaniel set her upon an amazing journey to become a wildly successful dog trainer in her own right. Cindy describes herself as just an ordinary person, however, she made over $250 000 last year as a dog trainer … a business she created only three years ago! Now Cindy didn’t get to where she is now because she set out to make a million bucks, she’s where she is now because certain life situations led her in a certain direction. All she had to do, as she describes it, was to take a leap of faith, and to do everything I told her to in my Dog Trainer Academy course, no shortcuts and no excuses. Today, Cindy is going to share with us her ups and downs, her doubts and her triumphs, and she will convince you that, if she can do it, then anybody can. Along with learning how to be a dog trainer and how to set up her own business, Cindy also learnt much about herself and grew as a person in ways she’d never imagined. I’m so proud and honored to have been a part of Cindy’s journey. If you’re excited to hear more then tune in to today’s AWE-INSPIRING podcast! You’ll Hear About:  [03:00] Cindy’s VERY difficult cocker spaniel that led her to finding Doggy Dan [08:30] Dan’s magic words that convinced Cindy to take the leap of faith to join Dog Trainer Academy and become a dog trainer. [09:15] What Cindy is doing in her business right now [13:30] Doggy Dan’s Dog Trainer Academy from Cindy’s perspective [19:50] Who’s really the best judge of a dog trainer or training method [20:30] Why the Energy part of this was life-changing for Cindy [25:00] Fears and obstacles Cindy overcame to embark upon this journey [29:00] How Cindy gives back to her community [29:30] Why there is such a great need for Doggy Dan’s style of dog training [31:15] The psychology of pricing [34:10] Dog training part-time [36:40] How much experience is needed to be a dog trainer [38:30] The value Dan’s Dog Trainer Academy adds by helping members set up and run their businesses [41:30] How quickly students can start doing real consults with real clients [43:30] Dan’s first consult [46:20] Cindy’s unexpected Dog Trainer Academy bonus How You Can Get Involved: Join my Dog Trainer Academy to become a super successful dog trainer, just like Cindy! Check out testimonials and peek into the successes of many of my graduates. Contact Cindy to engage her services or to chat with her about Dog Trainer Academy. Start your $1 3-day trial of The Online Dog Trainer. Links & Resources Cindy Christensen’s Lets Train Your Dog: https://letstrainyourdog.com Facebook: https://www.facebook.com/LTYDUtah/ YouTube: https://www.youtube.com/channel/UCXjpGDWUMPzfprXF8g3c2fA Doggy Dan’s Dog Trainer Academy: https://dogtraineracademy.org Doggy Dan’s The Online Dog Trainer: https://theonlinedogtrainer.com/ Learn more by tuning into the podcast! Thanks for listening—and again, don’t forget to subscribe to the show on iTunes / Spotify to get automatic updates. Cheers, ~Doggy Dan   

Today we are going to talk about a hot topic, and that is investing in tiny homes for short term rentals. My guest is Nashville investor, Cindy Maxson. Cindy has a wealth of experience when it comes to real estate investing. She has completed over a dozen flips and two new construction projects. Cindy also got her real estate license within the past year.   What she discovered along the way was that she wasn’t a fan of long term rentals.  However, she did discover her passion for short term rentals after converting a vacant, run-down boarding house into her first Airbnb on the second floor of what would become her personal residence.  Cindy’s most recent project is investing in a tiny home for a short term rental.  Show Notes Investing in tiny homes for short-term rentals is a fairly new concept for most investors, however, it is definitely a fascinating topic. Here is just some of what we talked about in this show. How Cindy got started: buying foreclosure homes and rehabbing them The process of figuring out she didn’t like long term rentals Her decision to buy a vacant, run-down boarding house to turn into her personal home with a second floor Airbnb Cindy’s thought process behind investing in tiny homes for short term rentals The amenities she feels are important in tiny home communities The numbers: just how profitable is investing in tiny homes for short term rentals? Are more tiny homes in her future? The art of the pivot when Covid-19 takes away your primary source of income What Cindy has learned from Airbnb’s and the tips she has for anyone that has an interest in short term rentals as an investing strategy   Be sure to stop by the Louisville Gal’s Real Estate Blog and pick up your freebies!

Masterminds really can skyrocket your success.But I know that many people struggle with understanding how to get the most out of the mastermind they are in.Maybe you can relate?Whether it's: How to make the most of your hot seat  How to use the network in the best way, or How to make sure you get the support you need ...these are common questions, and good ones to ask.In this week's podcast episode, I sit down with Cindy Ingram.Cindy has really stood out as someone who has leveraged the Bold Leadership Revolution Mastermind to solve some of her most pressing challenges in her business this year. She does this by asking great questions, using her own intuition, implementing and celebrating her wins. Listen in to hear: How to overcome your desire to know it all so that you can actually receive the support you need. How Cindy uses her hot seats and access to the other women in the mastermind so she can solve actual challenges What it feels like to be supported in your business during a time of chaos and crisis Read more at https://theboldleadershiprevolution.com/skyrocket-your-success-mastermind

How Cindy got into photography and started her wedding photography business

September is National Suicide Prevention & Awareness Month, and this week on #SlapperCast, we talk with musician and author Cindy Heywood, a proud survivor of anxiety disorder and suicidal depression. Cindy is a fierce defender of the rights of all who suffer from addiction and mental illness. She's a well-known mentor on internationally published suicide prevention forums, and her and editorials have been featured in internationally published magazines. She is currently working on the second edition of her book "Super Invisible Nobody", which details her recovery from anxiety disorder and suicidal depression. Suicide Talkz (Facebook) (https://www.facebook.com/Suicide-Talkz-Real-stories-about-real-lives-816513748482189) American Foundation for Suicide Prevention (https://afsp.org) SF (Suicide Forum) (https://www.suicideforum.com/) Topic list: * Cindy's background in the Houston music scene and the "Richmond Strip", where Patrick and Cindy first met * How the economic impact of the COVID-19 pandemic compares to the 1979 oil crisis * How the uncertainty of the pandemic can lead to anxiety and depression * The world is in mourning for a culture and a way of life that we've lost due to the pandemic * How Cindy's anxiety disorder led to alcohol addiction * How suicidal depression is often not outwardly noticeable to others * Cindy's descent from anxiety disorder into suicidal depression * How understanding the dysfunctional roots of family relationships can be essential to recovery * Cindy's experience with family therapy, and how it doesn't always result in mutually happy endings * Never give up, your situation is not hopeless * Cindy's experiences with online forums and her Suicide Talkz (https://www.facebook.com/Suicide-Talkz-Real-stories-about-real-lives-816513748482189) Facebook page, and how that led to writing her book "Super Invisible Nobody". * The importance of reclaiming your perception of yourself * The epidemic of suicide in military and law enforcement * How the pandemic is driving innovation in mental health on the internet * Communication is essential / there's no shame in asking for help * The danger of isolating yourself ("You cannot do it alone") * Chad, Patrick and Eric's methods of coping during the pandemic * The value of productivity, creativity and physical activity * How sharing your own struggles with depression can be essential in helping others ("Go deep or go home") * The essential healing powers of humor and music * Eric's "Crown Royal" story * Recapping our recent gig at Sherwood Virtual Celtic Gathering Join us in IRELAND Fall 2021 Ireland 2021 (https://blaggards.com/ireland/) — Sign up to learn more about our next Ireland tour Show dates Blaggards.com (https://blaggards.com/shows/) Facebook (https://www.facebook.com/pg/blaggards/events/) Bandsintown (https://www.bandsintown.com/a/3808) Follow us on social media YouTube (https://www.youtube.com/blaggards) Facebook (https://www.facebook.com/blaggards/) Twitter (https://twitter.com/blaggards) Instagram (https://www.instagram.com/blaggards/) Become a Patron Join Blaggards on Patreon (https://www.patreon.com/blaggards) for bonus podcast content, live tracks, rough mixes, and other exclusives. Rate us Rate and review SlapperCast on iTunes (https://itunes.apple.com/us/podcast/slappercast-a-weekly-talk-show-with-blaggards/id1452061331) Questions? If you have questions for a future Q&A episode, * leave a comment on Patreon (https://www.patreon.com/blaggards), or * tweet them to us (https://twitter.com/blaggards) with the hashtag #slappercast. Special Guest: Cindy Heywood.

Health Care Practice Management was founded in 1992 by Cindy Groux, CHBME, a proven Practice Administrator who brings over 28 years of experience in her field. Our executives are experienced professionals possessing comprehensive backgrounds in medical management operations. Collectively they bring over 50 years of combined experience in their field. 28 years later, Cindy has established not only a Revenue Cycle Management business, called Health Care Practice Management, but also continues to cultivate relationships between 55 clients in DE, PA, MD, and FL. Now, after 4 years in the tradeshow industry, her daughter Alexis has made the decision to join the 26 extended staff members to learn what the healthcare industry has to offer. She will sit beside her mom, not as her daughter, but as a vehicle to help navigate through these times of change and reinvent Health Care Practice Management. We will explore their insights, knowledge, challenges, and solutions from mother to daughter relationships in the workforce, transitioning office to homes, and so much more.   [01:50] How their current mother daughter business relationship is working out [03:10] Alexis shares her educational background, future plans,  and her path into being involved in the business [06:45] Alexis shares the opportunities that she sees in healthcare  [08:40] How Covid-19 rocked Cindy's business and the possibilities of remote work [13:10] How their employees feel about remote working [14:10] Cindy shares her recommended software for remote productivity [17:20] Compliance issues and how they reassure their clients [18:20] How their family dynamic changed working hand in hand with the business [27:00] Cindy shares the feeling of being an adviser to her clients [32:30] How Cindy keeps her relationship with her clients [35:23] Cindy shares her life and business advice [36:40] Alexis shares the lessons she learned from her mom   Connect with Cindy and Alexis Health Care Practice Management, Inc - https://www.hcpm.net/

Welcome to Beyond Technique, the podcast that empowers photographers to bring their businesses to the next level!  Today, we chat with photographer Cindy Harter about the role of positivity in her business, ways she builds trust with her clients in the "new normal", and ways to build your business in a small town. Be sure to check out Platypod®, the world’s most compact tripod! In particular, we cover: How Cindy got started The role of years of selfless relationship building to sustain her business The role of positivity and optimism Tips for building a business in a small town Procedural tips in the new normal and making clients feel comfortable Advice for photographers just starting out Cindy can be found at: Cindyharterphotography.com Facebook Instagram Be sure to let us know if you have any thoughts or questions in the comments section. We do our best to answer all questions in a timely manner. You can be the next guest on our podcast Do you have an idea for a topic or want to hear from your favorite photographer or influencer in our industry? Send an email to skip@mei500.com or chamira@photofocus.com, with the subject line BEYOND TECHNIQUE IDEA. Then write a brief description of your topic or idea. If you are recommending someone, please include their name, contact information and state if you would like to be a guest host. Thanks for listening! Don’t forget to share this episode with your friends. You can also listen on iTunes; we’d love it if you could post a review!

Nursing Brains is the brain child of Dr. Cindy Bautista, Associate Professor. Cindy fell into this business when she attended a business class with a colleague. She wrote out a business plan for a program that was something she loved talking about - Neuro. Cindy went on to create a speaking career and providing workshops for hospitals, local, regional, national and international conferences and chapters. She now does one day workshops and is booked for the entire year. Cindy built her reputation through speaking in any venue she could and practicing her art of teaching. Through her experience and exposure in these various venues, Cindy's business began to grow. She is now frequently asked to be a keynote speaker at conferences around the world. You can find out more about Dr. Bautista on her website: nursingbrains.com or email her at cabbrain@aol.com Don't Miss Moments: --> How Cindy found her business idea --> How Cindy markets her workshop --> How long it took Cindy to get her business profitable --> Cindy's recommendations for nurses looking to get started in the speaking business

In 1999, after five years as Marketing Director for a multi-state personal injury law firm based in her adopted hometown of Philadelphia, Cindy Speaker launched her own business as a marketing director, coach and consultant to some of the most successful personal injury firms in the U.S. Driven by the creation and resounding success of her 3 hour audio CD series “Power Marketing for Attorneys,” the West Chester, Pennsylvania native has been a highly sought after speaker for numerous legal conferences, including PILMMA, ATLA and AAJ, AVVO, M&L Legal Marketing Conference, Market Masters and the Virginia Trial Lawyers Conference. Over the past ten years, Speaker Media and Marketing has built a nationwide network of referral attorneys and developed a reputation as the secret weapon of some of the top plaintiffs’ law firms and trial lawyers in the U.S. Working with firms on a market exclusive basis Speaker’s vision for her clients is for them to be on the cutting edge of marketing and technology and to have a dominant position in their respective markets. Hundreds of attorneys across the country have benefitted from Speaker’s marketing creativity and know that powerful videos are one of her secret weapons. She even won several “Telly” Awards for various PSAs she shot, including one for “social responsibility” for a clip that educated people on the dangers of distracted driving. Many of her clients, however, might not be fully aware of her educational background and experience as a documentary filmmaker. She received a master’s in communication with an emphasis on TV and film production at Regent University in Virginia Beach, and worked for the International Family Channel. What you’ll learn about in this episode: Which three key marketing and advertising activities too many firms aren’t doing today that Cindy says can bring in new cases and clients How content creation and especially videos can be leveraged for legal marketing and can be repurposed for many different uses How Google’s own statistics show that YouTube reaches more 18-49-year-olds in a typical week than all cable TV networks combined How Law TV® Network helps clients create pre-edited video and live interactions through platforms like Facebook and then repurpose the video for new content How Cindy creates professional-looking custom video thumbnails using free and inexpensive tools like Canva image design and Getty Images’ iStock photo archive Why law firms who have a Google Business Page of their own have a major competitive advantage over firms who don’t Why writing a book can help you establish credibility and authority, why Amazon Author pages and podcasts can be powerful marketing and networking resources What common but easily avoidable marketing mistakes legal firms often make, including relying too heavily on “traditional” advertising why converting existing leads into new clients and nurturing those relationships is more important than creating more leads Additional Resources: Email: cindy@cindyspeaker.com Website: https://cindyspeaker.com Website: https://lawtvnetwork.com/ LinkedIn: www.linkedin.com/in/cindyspeaker/ Youtube: www.youtube.com/user/cindyspeaker Video Thumbnail Creation Tools Recommended by Cindy Speaker: Website: www.canva.com Website: www.istockphoto.com

Cindy Rollins, mom of nine and “Mama of Morning Time” (so-named by me!), is back on the podcast this week to chat about Stratford Caldecott’s Beauty in the Word — specifically the portion on grammar, or what Caldecott calls “remembering.” Join us as we chat about anamnesis, what it is and how it is alike and different what we already associate with memory. Listen for:   The idea of anchoring or tethering our children to a cultural heritage. What are some Morning Time elements that help to convey this cultural heritage. How Cindy handles the aspects of our heritage that are not positive or admirable. The connection between language and memory and how language helps form relationships with ideas. How technology is both a blessing and a curse when it comes to our efforts to be people who practice Remembering. Read the show notes at pambarnhill.com/ymb65

Cindy Gallop's Ted Talk: ‘Make Love, Not Porn' got more than 2 Million views. She is on a mission to make this world a better, more peaceful and sexually liberated world and end rape culture. A force to be reckoned with, we get her take on:// Social sex, Porn Sex. // How to ask for what you want in bed. // Why communication is key.// How Cindy sees that educating society and openly talk about aspiring to Gold standards to what constitutes good sexual values and behaviour will stop Me Too, sexual abuse and violence. This in turn empowers girls everywhere and creates a happier world for everyone, including men.Find Cindy Gallop: https://makelovenotporn.tv & Twitter/FB @CindyGallop @MLNPTV Insta @socialsexrevolutionFind me at https://linktr.ee/toooldforthisshit or www.angie-s.com

We interview our guest, Cindy Martin, an Associate Professor of Russian at the University of Maryland, College Park. Dr. Martin is an active ACTFL OPI certified Tester and Trainer She is the author of numerous publications, including an Intermediate-level Russian textbook Welcome Back!. Podcast host Dr. Natalie McCauley and her guest discuss a number of topics related to language teaching, specifically: - How student body changed in the past 20 years and what teachers can do to cater to a more diverse audience. - How Dr. Martin helps her students embrace discomfort and how she shows them that Russian Language is not hard (it just takes longer to acquire it for English speakers). - How current grading is punitive in nature and ways to design grading system that encourages students’ growth in the language. - What activities work best for classroom space and which ones are best for homework. - How to use pre-speaking activities to help students talk non-stop for the duration of the entire class - How Cindy uses technology to improve students’ speaking skills. We hope you will enjoy this interview with Professor Cynthia Martin! Podcast host: Dr. Natalie (Natasha) McCauley is a Visiting Assistant Professor of Russian Studies at the University of Richmond and the current director of the UR Summer Study Abroad Program in Saint Petersburg, Russia. Since she began teaching Russian in 2012, Natasha has taught at the University of Pittsburgh, Middlebury Institute of International Studies, and the University of Michigan, where she finished her PhD in 2018. What Natasha enjoys most about teaching Russian studies, whether language, literature and film, is the experience to help students not only learn about a different region and culture of the world, but also learn to think critically about the ways societies are structured, including how this is reflected within languages. Her research interests include gender and sexuality, contemporary television and media, and affect theory.  

In this Tech Bound Conversation, I talk with Cindy Krum about Google's Indexing API, Fraggles, and entity recognition with machine learning. 0:00 Introduction 1:23 How Cindy started Mobile Moxie 2:33 The challenge of writing a book 4:47 New Mobile Moxie tools 9:37 The implications of Apple’s App Store scandal 11:50 why Cindy started Mobile Moxie 15:15 Fraggles and how Cindy discovered them 19:33 How to use Fraggles for SEO 24:04 Wordpress Gutenberg and Indexing APIs 38:55 Gary Illyes and Googler statements 44:37 NLP and entity recognition 50:35 Google’s recent indexing problems Show notes: Mobile Moxie: https://mobilemoxie.com/ Sign-up on Mobile Moxie: https://mobilemoxie.com/ with the promo code “KEVIN”! Cindy Krum’s book: https://www.amazon.com/Mobile-Marketing-Finding-Customers-Matter/dp/0789739763 Ted Talk Eat Pray Love: https://www.ted.com/talks/elizabeth_gilbert_success_failure_and_the_drive_to_keep_creating?language=en Fraggles article Moz: https://moz.com/blog/the-importance-of-fraggles Jobs indexing app: https://developers.google.com/search/apis/indexing-api/v3/quickstart Gary Illyes Q&A: https://www.kevin-indig.com/my-notes-from-the-gary-illes-qa-bay-area-search/ NLP API: https://cloud.google.com/natural-language/

Family businesses inevitably come with complex scenarios for a financial advisor to sort through. But the biggest complications may not be what you expect: the emotional aspect of family, business, and money is often the foremost concern when beginning conversations around business transitions. Today’s guest brings a rock-solid technical background and soft skills that helps her see the full picture and help families navigate the wealth transition landscape. Cindy Radu is a family wealth transition advisor. She works with individuals, family enterprises, business owners and family offices to maneuver the complexities and opportunities of multi-generational wealth. Cindy has over 25 years of legal, fiduciary, trust and governance experience, giving her a bird’s eye view of the many issues families can face. Listen to the episode to hear how Cindy frames wealth, family enterprise, and success in a way that helps her clients handle the complicated financial and emotional factors involved in transitioning family wealth. What You’ll Learn in This Episode: Rethinking the key issues around transitioning wealth and family businesses in Canada (8:05) The difference between a family business and a family enterprise – and why it matters (11:10) Cindy’s first steps when advising clients (18:45) How Cindy bridges critical gaps by working effectively with other advisors (25:25) Helping families avoid assumptions and get on the same page (33:40) What wealth and wealth management really mean (39:30) Links and Resources: Cindy Radu Cindy on LinkedIn Email Cindy Quotes by Cindy Radu: “Way too many families are willing to stake everything they work so hard for on basically a hope and a prayer that everything is going to turn out alright.” “Referrals from clients are frankly the strongest possible referrals that you can get.” “I’ve been successful in my practice because I’m able to bridge those emotional and technical aspects of the wealth planning and transition.” Cindy has been a Chartered Accountant and estate planning lawyer, and she’s also worked with large financial institutions. And yet all of her work has had one common goal: helping families through transitions. Today, she shares her experience to reframe the conversation around family wealth transitions. Below, we’re sharing three key ideas from this episode: Rethinking the key issues around transitioning wealth and family businesses in Canada The difference between a family business and a family enterprise – and why it matters What wealth an

Starting a company three months before the collapse of the housing bubble – how would you react? Do you think you could do it? Well, our remarkable guest today did not only think she could, she actually did, and it was the best decision she could've ever made. Cindy Koebele and her intense focus on creating positive customer experience secured her company, TitleSmart, a spot in Inc. 5000 Fastest Growing Private Companies in America for the past five years. Come and join me as I let Cindy out her secret weapon on how she attained such a remarkable feat.   Key Takeaways  Everyone’s a customer Curiosity and judgement cannot live in the same space at the same time. Perfectionism can be the biggest barrier to success A great leader never stops growing Show Highlights [02:50] Where did this all start for Cindy? [05:21] Leveraging relationships to get businesses going [07:55] Why Cindy always approaches things with curiosity."It's not always who that person knows but who they know." [09:38] Relationship cultivation and how it's fed into Cindy's entire company culture-wise. [11:05] Alissa's view of delegation and playing to your strengths"Turn overs are not a bad thing because you want people who are consistently engaged." [12:40] The processes in place at TitleSmart [15:15] Cindy shares the failures in her business"...that was a good lesson for me to not take my focus away." [16:43] How Cindy kept her finger on the different sites' pulse [17:13] Alissa shares her personal clarity story [19:19] What changes has Cindy made for better self-care"Self-care can be a very powerful part of company culture." [20:45] How Cindy fills her communal cup [22:43] What is the future of TitleSmart? [24:11] The best piece of advice for anyone just starting"Stop working and making sure everything's perfect." [27:20] Other books by Cindy and a new one to look out for. Resources TitleSmart, Inc. TitleSmart, Inc. LinkedIn TitleSmart, Inc. Twitter Cindy's Website Connect with Cindy on LinkedIn Connect with Cindy on Facebook Obsess to Success Puppa-Na-wuppana: The Beagle with the Magical Nose Living the Puppa-Na-Life

Hey friends - I have to be honest, this is the most fun I’ve had recording a podcast in a long time.This was a live event we hosted in Kansas City and an incredible interview with writer/directer Cindy Chupack. She’s most known for her work on Sex and the City, but she’s also a New York times bestselling seller and has so many Emmys and Golden Globes she ran out of shelf space and had to have garage sales. Her credits are a mile long.She’s currently on her Netflix screening tour for her new movie she wrote and directed, titled Otherhood, starring Angela Basset, Patricia Arquette and Felicity Huffman - debuting on Netflix, August 2nd, 2019. I was able to sit down with her and have one of the most hilarious conversations I’ve had in forever. In this episode, we talk about ...*How Cindy went from a journalism major at Northwestern to a writer on Sex and the City to now a writer and director of her own movie.*What it's like to create a woman dominated movie in a male dominated industry.*How to overcome imposter syndrome -*And gather the courage to step out of the boat into what lights you up and gives you purpose - even if you have no freakin' clue what you're doing.I also performed that fart story for this event, which I’ve put at the end of you - so stick around and listen to that classic, will you?Without further ado - here’s my conversation with the brilliant Cindy Chupack.

If you’re ever at a dinner party and hear someone talking about the benefits of Roth IRAs, it’s probably Cindy Mueller. Today you will meet Cindy, a financial planner at The Retirement Solution, and learn why she’s so passionate about Roth IRAs and helping people make the most of their savings. In this episode, you’ll learn: How Cindy’s parents contributed to her love of finance Why Cindy was determined to work for a fiduciary company What her enrolled agent designation allows her to do for clients Why Cindy prides herself on doing the right, (and not necessarily easy) thing And more! Tune in now to learn about Cindy and how she’s using her passion for saving to help clients reach their goals! Resources:  The Retirement Solution Inc.

In today's episode of The Empath Woman Awaken Podcast you are going to learn how you can embody your greatest good, and follow through on whatever it is that is calling you forward. And the best part...You just might find yourself in alignment with your soul's highest purpose, and experience the phenomenon of what's known as, pure bliss.  If you are someone who sometimes wonders how to access your gifts and use them for the highest greatest good?  Then you are in the right place at the right time friend. Today on The Empath Woman Awaken Podcast with Jen, we are going to help you tap into some of life's most divine questions and get your answers from within. In today's podcast I am joined by my beautiful friend Faith Healer and Spiritual Counselor Cindy Rael Lyndsey, who after being raised in a household without spirituality found herself on a path of unmistakable spiritual awakening, leaving behind her parents approval and a career she worked so hard to achieve. Heavy in the Sciences and after 10 years of schooling to become a successful Professor and Consulting Psychologist at a University, Cindy received an actual, "Bump on the head," that changed her life forever.   Leaving behind her high paying job, taking the path foreign to her science mind, breaking the models of the family and her culture, Cindy discovered her Soul's Healing Path and journey to alignment of her highest work, and she teaches you how you can too.  In this powerful Podcast episode of The Empath Woman Awaken, you will discover: How Cindy's surrender to her highest good led her through a dream to discover she has Breast Cancer, and what may be the very thing that saves her life. How you can discover your Soul's Healing Path and live your most blissful life. How you can receive divine guidance and surrender to your soul's calling. How you can recognize your soul's guidance and the synchronicities that are leading and guiding you to your life's highest alignment and work. To learn more about Cindy and her Soul Healing courses and to support this next phase of her Soul's Healing Journey go to msjenlewis.com/podcast If you love this episode please don't forget to subscribe and leave a review. I'm curious what your aha moment was for discovering your greatest path to discovering your Soul's Healing Path and journey to your highest alignment of SELF.

Today’s show is all about how to live a non-traditional life. Sometimes if we don’t fulfill American Dream we can feel like we are a failure, but what if that’s not the path for us? What do we do when we have dissatisfaction with the norm? What do we do to resolve that dissatisfaction? In this episode you will hear: -How Cindy did not trust my rebel ass for a while in the beginning lol -How do you create the right definition of success for YOU -What does it mean when you don’t fit in in high school? -What do you do when you have that moment of, “Is this ALL THERE IS to life?” -How art helps you connect to your soul. -How you can create a judgement free zone. -How fun can support your life purpose. -What is a Tiny House (and is that a possible road to your unique life of freedom)? Questions from Cindy: “What do you really want in your life?” Cindy Andrews “Are you dissatisfied in your current job or your marriage or a friendship? Do you need to change something in your life?” Cindy Andrews  Quotes: “Sometimes you can feel lost even if you don’t look lost to the outside world.” Shereen Thor “There’s always a way.” Cindy Andrews “Take time to connect to your creativity, it’s so valuable.” Cindy Andrews “Having a coach is like having a partner in life strategy.” Shereen Thor “Who looks outside dreams, who looks inside awakens.” Carl Jung “Stop asking for permission.” Shereen Thor “Coaching has helped me get unstuck, there have been so many times where I hung up the phone and felt a renewed excitement.” Cindy Andrews Resources: https://cindyandrews.tumblr.com/ https://www.facebook.com/connectoncanvas/ www.awakentherebel.com (take the quiz – What Kind of Rebel are You?)

Cindy Rollins, mom of nine and "Mama of Morning Time" (so-named by me!), is back on the podcast this week to chat about Stratford Caldecott's Beauty in the Word -- specifically the portion on grammar, or what Caldecott calls "remembering." Join us as we chat about anamnesis, what it is and how it is alike and different what we already associate with memory. Listen for: The idea of anchoring or tethering our children to a cultural heritage. What are some Morning Time elements that help to convey this cultural heritage. How Cindy handles the aspects of our heritage that are not positive or admirable. The connection between language and memory and how language helps form relationships with ideas. How technology is both a blessing and a curse when it comes to our efforts to be people who practice Remembering.

Have you come across challenges in life with your business? Most companies do, and today we hear from motivational and leadership expert, Cindy Novotny. Handling employees and financials in the event industry is indeed a challenge and Cindy is here to share the secrets of her success and the companies she consults for.   Cindy, “the Radical Mentor,” joins us again in this New Year.  She is a powerful and innovative speaker and consultant, helping all sorts of entrepreneurs and anyone interested in fulfilling their dreams with their businesses. She started her company Master Connection Associates, in 1989. Tune in today and hear her talk about issues with delegating to employees, effective employee communication, motivation, brainstorming, pricing, and how she feels about dealing with fear.   Show Highlights: Listen to Part One if you have not already One of the biggest lessons Cindy learned in 2018 The family-friendly environment at Cindy’s company Cindy’s mantra for 2019 How Cindy gives feedback Motivating employees and how Cindy handles it How Cindy handles pricing relative to demand How to deal with economic fear Resources & Links: The Wedding Biz Website Instagram: @weddingbizshow Cindy Novotny Website Master Connection Associates Website Cindy’s Instagram   Twitter YouTube   The Stylish Bride with Julie Sabatino   Sponsors: Kushner Entertainment Website OFD Consulting Website

Shownotes and links for this episode can be found at http://sarahsantacroce.com/episode70 There are a number of benefits to entrepreneurship. We have the freedom to do work we love—with the people we choose. And running an online business is particularly well-suited to us introverts who are content to spend a lot of time in our own company. But perhaps the greatest benefit to entrepreneurship is the opportunity to reinvent ourselves and our businesses when what we’re doing isn’t working for us anymore. Cindy Bidar is a business manager who helps online entrepreneurs earn more and work less. She specializes in marketing and systems automation for coaches and freelancers, supporting clients in improving conversion rates, increasing sales, and adding to the bottom line. Cindy consults for some of today’s most profitable online businesses, training seven-figure marketing teams and leading the setup and management of hundreds of sales funnels. Today, Cindy explains how a quest for supplemental income led her to start an online business. She offers insight around developing a willingness to attend events as an introvert and building relationships as part of a grassroots business model. Cindy speaks to the advantage of being happy in your own company, the value in tracking your numbers daily, and the benefit of eliminating distractions to pursue ‘deep work.’ Listen in as Cindy shares the AHA moment that inspired her to reinvent her business and expand her offerings beyond done-for-you services to include additional revenue streams! *** Become a VIP of my community Be the first to know whenever I release a new podcast or host a special webinar for introverts. And as a welcome present get my '4-part Guide 'How Saying 'NO' Can Help You Grow! http://sarahsantacroce.com/sayno/ *** In this episode you’ll learn… How a quest for supplemental income led Cindy to online business. How word-of-mouth helps Cindy expand her client base. Cindy’s insight around developing a willingness to attend events. How Cindy expanded her revenue beyond done-for-you services. Cindy’s current focus on developing a digital product line. The value of relationship-building in a grassroots business model. The advantages around being happy with your own company. The AHA moment that led Cindy to reinvent her business. Cindy’s view of day-to-day tracking as the secret to success. How Deep Work inspires Cindy to eliminate distractions. How to help people make informed decisions with email marketing. Cindy’s gratitude for the freedom of being an entrepreneur. Jim's favorite quote "The one who follows the crowd will usually go no further than the crowd. Those who walk alone are likely to find themselves in places no one has ever been before." ~Francis Phillip Wernig Other links and resources mentioned in this episode: Cindy’s Website Cindy on Twitter Cindy on Facebook Cindy on LinkedIn 51 Opt-In Incentive Ideas That Convert Dare to Lead by Brené Brown The Creative Introvert: How to Build a Business You Love (On Your Terms) by Cat Rose Dorie Clark on IBG EP064 Side Hustle Nation QuickBooks Xero Trello Deep Work: Rules for Focused Success in a Distracted World by Cal Newport Sarah’s Book List How Saying ‘No’ Can Help You Grow Thanks for listening ! Thanks so much for listening to this episode. If you enjoyed it, I would be super grateful if you'd share it using the social media buttons you see at the bottom of the post. And if you don’t have it yet, get your free 4-step Guide on How to Say no to Grow. You'll be added to my list as well so I can share the latest episodes and other introvert related resources with you. Also, please leave a review on iTunes. I'm told that they really matter so if you'd take a minute I'd appreciate it. And finally, don’t forget to subscribe to the show on iTunes or on Android to get notified for all my future shows. Warmly Sarah

In this episode of the Houston Home Talk, Cindy West from NRL Mortgage and James talks about the process of getting a mortgage loan, interest rates, NRL Mortgage loan programs you can apply to and other things such as Cindy’s career trajectory and how her knowledge in forensic accounting helped her in her role as a mortgage loan officer. QUOTES“You have to make sure that the house is not listed for sale, because that’s a red flag in mortgage, before you cash out.”“The buying power of people changes significantly as those rates go up.”MENTIONSContact Cindy:Phone: 832-370-7373Website: https://cindywest.nrlmortgage.com/SHOW NOTES[0:02:10.9] How Cindy got into mortgage lending[0:03:32.4] How forensic accounting works[0:08:02.3] NRL Mortgage loan programs[0:14:25.1] James and Cindy talk about interest rates[0:21:04.4] The difference between pre-approval and pre-qualification[0:32:24.5] Get in touch with Cindy!Full Transcript: [00:03] INTRO: Welcome to Houston home tall, featuring all things real estate in the Houston area. We'll interview real estate professionals, local business owners, and special guests from right here in the Houston community. This is where you get the inside scoop about what's new in real estate, new community openings and business openings, and much more. The Houston home talk show starts right now.[00:33] JAMES: All right, welcome guys. This is James with Houston home talk and I am joined today by my good friend, Cindy West in our El mortgage. Um, how are you doing this morning, Cindy?[00:45] CINDY: Hey James. I'm great.[00:48] JAMES: Awesome. I'm doing great. It's a little chilly for us here in Houston at a blistering 70 degrees. Now, just joking. People in the Midwest laugh at us when it gets too 40s. [01:00] CINDY: Yeah. Yeah. [01:02] JAMES: It is cold for us but I am glad to have you on. It has been an interesting ride as far as interest rates and a lot of things going on specifically this year. You have been in the business for a few years now. You've done really well and I appreciate all your insight. Just to kind of set the table for everybody, so sending and I have known each other for about three years. We've been working together. You came to visit me when I worked for a home builder and you were one of very few, really probably the only one person that really would come visit me because everybody else was scared to come see me working for a home builder because they just assumed that they could get no business from a home builders onsite salesperson which was not the case. [01:52] CINDY: No. [01:52] JAMES: I'm glad that you've been very tenacious and the way you work and I admire your work of it. I see you on Saturdays, Sundays. I see everywhere. You have gotten a lot of knowledge and your work ethic is been very, very admirable. What I want you to do is just kind of introduced yourself. You've got a very interesting background. Introduce yourself to the audience and tell us a little bit about your background and how you got into the mortgage.[02:22] CINDY: Okay. Sure. Yeah. I've been in the business three years ago and I'm like, my background started with auditing and taxes. I did that for several years and then I relocated to Los Angeles and I became a forensic accountants, which is very interesting. [02:39] JAMES: Okay. [02:42] CINDY: Pretty much what I would do is I worked with people getting in divorce, determining child support, alimony, division of assets and valuing businesses. Pretty much I would find the money and determine what the individual's cash flow was for child support and alimony. Then after that, and I relocated here with my family. [03:04] JAMES: Okay. [03:05] CINDY: That's where I met Chad Freeman and he is a manager for Nations Reliable Lending. Tell me about the job. My personality and my background was the perfect fit and my daughter is going into school so I thought, it's a great time to get back into the workforce full time. I took the test and passed it and then I'm on my way ever since.[03:32] JAMES: The forensic, you got to give me a…tell us back a little bit more. The last time I hear forensic, I usually think, CSI and one of these criminal shows when I hear forensics. Break that down a little bit more as far as what you did with that that as forensic accounting?[03:55] CINDY: Yeah, so pretty much, I mean it has to do with documentation. [03:57] JAMES: Okay. [03:58] CINDY: Thing at paperwork, a little bit differently and people represent themselves based on the tax return. I only make $25,000 a year when you're living in a half million dollar house and you drive a Mercedes and I could see all the charges on your credit card for limousines and things of that nature. I would pretty much hunt down the money. [04:21] JAMES: Got it. [04:21] CINDY: Figure out what the true cash flow is because people have businesses, they write off all their personal expenses, cellphones, cable bill, I'm 100 percent of their auto. All those things are not true. Business expenses, personnel. They drained the company, and they want the write offs. They pay as much taxes. From a divorced stamp, that's now your cash flow. We add back all this personal offenses as perquisite come up with somebody's true cash flow. Then that's how we figured out how child support and alimony.[05:00] JAMES: Okay. I see. Then the connection with that and the connection to the mortgage side of the business because a lot of what you were doing and that career really translates into you being a mortgage lender because a lot of the details that come along with, especially, specifically you brought up self-employed because those are the biggest challenges when it comes to the mortgage. [05:24] CINDY: Yes. Yeah. [05:26] JAMES: How does that background, how did that help you on the mortgage side because like I said, I know you've only been three years but you've been…you've been very, very successful and the time that had been a mortgage lender. How has that helped you in being successful in what you're doing now?[05:42] CINDY: Definitely the tax knowledge and the attention to detail and I'm looking at paperwork a little bit differently. Very detail oriented, which in mortgage you have be, when you looked at the paperwork upfront for a year under contract and kind of figure everything out ahead of time instead of having issues under contract that who I wish I would've seen this or looked at it closer than. Definitely the tax return and the tax knowledge has helped me with understanding the actual tax return for the self-employed borrowers. [06:18] JAMES: Right. [06:18] CINDY: You can have a schedule C which is on your 1040 where you can have 1065, which is a partnership returns, that's corporations or your 11 languages are C corps. Understanding how somebody gets paid out of each one of those is quite really friendly. You can get paid out of distribution. You can get paid through salaries and wages or dividends depending on what X return you're filing. That's definitely given me an edge on a fast track and dealing with more sophisticated buyers would complex tax returns. The attention to detail, I'm looking at paperwork and just knowing. I've seen all these documents who I've been working with them for years. It's definitely helped.[07:08] JAMES: No. That definitely explains a lot because I've had a brief stint as a mortgage lender as well, so I understand the level of these. I don’t think a lot of people understand it and unless you've done it. There was no way. As a realtor, most realtors, all we care about is the loan approved. [07:29] CINDY: Right. [07:30] JAMES: Always funded. Those are the words that kind of care is, are we funded. Okay. When you're behind the scenes, the level of detail. There're so many moving parts. There's so many moving parts. I appreciate you guys more because I've had a boost said joining and kind of understand now that there's so much that goes on behind the scenes. Someone like yourself with that background and being very detailed. It's so important. It really is. Now, I know you guys have a program because one of the things that I work a lot with, I work a lot with home buyers will still be sellers who have a home to sell before they purchased their next home.I do a lot of new construction and so typically, we have a contingency to where the only way they can purchase the new house is if they sell the current house and multiple cases. I know you guys have a product that's kind of design and you don't have to go into a whole lot of detail, but I know that's something that I wanted you to share a little bit about because I think it's important for people to know that, that you guys have that product. I've dealt with a lot of lenders. I don't know anyone that has a program like this. I might be wrong. I know anybody that has that program. Tell us a little bit about that. A little bit about that program.[08:53] CINDY: It's a fantastic program because people that are looking to buy and I say new construction, it doesn't have to be new construction. It can be anything, but who this product would best serve. Somebody that finds a house that they fall in love with. That they really want. It could be through a builder. They might find a lot, the perfect lot and I called a stack or on a green belt with backyard. Let's say water way or anything specific that they might lose if we wait to sell their house. [09:32] JAMES: Right. [09:32] CINDY: That's the emotional side of this product is somebody that's motivated to move forward, doesn't want to wait. I think this product also is more beneficial to people in the higher price points a significant equity. Pretty much in order for this product work, you have to have at least 30 percent equity, the partying residence, and you need 20 percent down payment to move forward on the purchase.Now, you can obtain gift funds for the 20 percent. However, you do have to have at least 5 percent of your own friends. That would mean 25 percent now. You can get the Gift Front Lens of 20. You bring 5 percent. The 30 percent equity, if you have your house paid off or have significant equity, meaning like 30 percent or more and you don't have the cash in bank, you can do a cash out refi, pull out 20 percent as long as you leave 30 percent equity in the parting residence. You can pull out money to use that on the down payment for the purchase side, [10:43] JAMES: Got it. [10:45] CINDY: Yeah, you have to make sure the house is not listed for sale because that's a red flag and mortgage, so before you get a cash out. It's a purchase just like any other purchase, but we are eliminating that just from the ratio. You actually will have two mortgage payments until the house is sold. The only stipulation is that their house has to be listed for sale prior to the purchase of the new residents. That's it. [11:10] JAMES: Okay. [11:11] CINDY: That's something where if you're building builder relationships, that's a good thing to have because the builder that's going to identify that and it's going to call you, you're marketing this product and lease the house for sale. That's the key is you're, as a realtor, you're getting the leasing and hopefully, the buy side as well, because you're going to get a walk in client that falls in love, has a house to sell and that builders not going to wait, want to wait three to six months for the house to sell or probably does not want the contingency offer because if it's in a higher price point, we might take a little bit longer. Or if it's a flooded house that you have for sale, who knows how long going to take it so. It's a great product that allows people to move forward without waiting for the house to sell and then they don't lose equity. They don't have to half the price. They just have to afford the two payments[12:07] JAMES: Right. There're a lot of people that are in that position to be able to do it especially like you said, in a higher price point. This helps them not lose out because I've seen it on several occasions where they probably could qualify for both financially, but this product, like I said, this product wasn't around. I knew I have no knowledge of that product a few years ago. It's a great option for people that are…that are looking to buy another hall or build either one. I'll make sure I post your information because there're people out there that want to reach out to you and get a little bit. I know there's probably a little bit more detail, which you probably just speak with somebody in person. Speaks somebody over the phone to get a little bit more detail about their situation and how the product help, but I know it's a great product and it can help a lot of people.[13:05] CINDY: Yeah. Builders love it. I'm not competing with Mortgage Company. They're in house lender to add on to their business, to help it grow. I'm not looking to compete with them. I usually can't let their incentives. [13:17] JAMES: Right, yeah. [13:18] CINDY: This can eliminate the contingency offer and it's very attractive to builders and playing lots of calls and emails from builders I've ever even met before clients. Again, it's a great…it's a great marketing tool to get connected, to build a relationship and help builder build business and great for realtors to use that as well.[13:45] JAMES: I know a lot of builders are work with a ton of them in a new construction kind of what I specialize in more than anything. Having worked for a few builders myself personally. I will make sure they all know about this. Like I said, anybody is working for builders that might be watching this. I'll make sure they get you a contact because the onsite…where the onsite, salespeople or about getting…they don’t get paid to do loans. They get paid to close homes. [14:14] CINDY: That's right. [14:14] JAMES: Having you as a resource and in those situations is a great, great thing to have a speaker. I'm speaking from experience. I know one of the big things and challenges that I've seen so far this year are the interest rate. Rates have slowly just crept up and I back in January and February, I was telling people that rates are going to increase and unfortunately they have. Now we're now almost to the end of the year and so one, I guess, what are we looking now. FHA, I know everything obviously based on credit scores, but what kind of averages are we saying on FHA, conventional, and then what are we looking at? Maybe first part of 2019 that you kind of thing, well what may happen, which rates come from that first quarter?[15:09] CINDY: Well, definitely rates have slowly increased. They're in the fines, so again, to then plan your LTB FICA score, debt information, that I've seen. ORS, donate them five again. Sometimes they come with the discount, to the rate of that. Rates are still great. There's still near historic. Still a great time to buy. Do not wait to buy a house. The rates are going to go down. Of course I don't have a crystal ball. That's my said, good judgment indicates that I think are going to probably stay or climb a little bit. The interest rates a tight to this, excuse me, the 10 year treasury. [15:53] JAMES: Right? [15:53] CINDY: Usually when the Fed announces the direction of interest rates, they going to use some hikes, the market has a tendency to accelerate that. If they're going to say an increase in December, market goes higher before that. It's stable. It's still…they're still near historic low and they're in the five and would not wait 1 percent increase in the interest rate. Will make it 13 percent increase in your payment. [16:22] JAMES: Absolutely. [16:23] CINDY: A thousand dollar monthly payment. Your payment will go off to a 103 or extra $130 a month. That's pretty significant. People always talk about the score and want to increase it. I tell them, I said, you time you increase your score, you're going to be offset by the higher rate.[16:43] JAMES: Right. [16:44] CINDY: It's a lot. [16:46] JAMES: Yeah. That could take somebody from qualifying to not qualify. The bump in the rate and for people and for some people that might be borderline or maybe close anyway and you wait. You're not really winning and a lot of cases. You're not winning by waiting a. I try to encourage people, if you find…if you find a home that you're interested in now, don't wait because literally, half of point or all the point can make a significant difference. It can't really be the difference when you qualified or not in some cases. [17:19] CINDY: Yeah. Yeah. Or you have to drop the purchase price or have to come up with no money down to offset that. For every $10,000 you put down in a house, your monthly payment will change by $20,000. [17:32] JAMES: Right. [17:32] CINDY: $20,000 will only make $100 a month difference in your payment. That's not a lot of movement with significant $20,000 down payment. You're better off to do it now because rates in the fives are fantastic. I know people go back to the past and threes and fours and the confused I've seen. Ladies and gentlemen, that was history. You make three for a lifetime. [18:06] JAMES: Yeah, that's just… that's with sales. [18:04] CINDY: Gosh, yes. [18:04] JAMES: You've set the sale that made you want it. [18:08] CINDY: Right. [18:08] JAMES: It's funny when people started talking about the rates now, how they're going up and I tell people, before the crash, it just rates are in the 60s. [18:18] CINDY: Yes. [18:19] JAMES: My parents, when they bought their houses, they were in double digit. It's just perspective but if you didn't own a home before '07, '08 and maybe you just, you started looking into it after 2008. Basically the last 10 years, it won't be spoiled. [18:39] CINDY: Yes, absolutely. It means accidentally. [18:43] JAMES: It wasn't on purpose. They were spoiling. There's either the Katas or they're hard. [18:47] CINDY: I know, right?[18:48] JAMES: They were doing it to encourage people to go by because everything had kind of tanked. '08, '09 that's why those race was so insanely low, it was encouraged people to go out and own. Obviously, as the economy starts to get better, it's just a matter of time before those rates start creeping back up and that's where we are right now. [19:09] CINDY: Yes. Yeah. [19:12] JAMES: I laugh when people started talking about, oh my goodness, my rate's 4.8 and it's like…[19:19] CINDY: I know. [19:20] JAMES: Five [19:21] CINDY: Right. [19:22] JAMES: Rates are still very, very low. Yeah. Historically speaking, if your history is only six years ago. [19:31] CINDY: I know, right. Yeah. [19:34] JAMES: It’s a difficult… [19:34] CINDY: First house too that we bought was back in 2006 and it was 6 percent. I remember high fiving in the kitchen and using hands like, everybody was paying 10 and 11 percent, and I get 6 percent. That was a great rate. Six percent so great rate. [19:54] JAMES: Yeah, wise. [19:54] CINDY: It is good. [19:56] JAMES: Yeah. Absolutely was, yeah. I find it funny when people started talking about it, but we can't control it. Home ownership is still a better way to go. [20:09] CINDY: Yes. [20:10] JAMES: Paying a 5 percent interest or half or whatever it is and whatever it ends up being in 2019. It's still a better option than renting and in most cases. We'll continue to encourage people to go on. The sooner the better because rates, from what I see, and you can speak on that. For what I see, it seems like it's going to…the experts are saying that 2019, of course again, there's no crystal ball. Yeah, we're going to maybe be in that consistently in the 5 percent range. Who knows for, but that's what I see and that's what I've read. [20:51] CINDY: Yeah. Definitely would agree with that. Yeah.[20:53] JAMES: Yeah. The buying power for people, it changes significantly as those raised a lot. Yeah. If you guys are looking at a owning a home call, call Cindy. [21:04] CINDY: Yes. [21:04] JAMES: One more thing that I want to ask you. I want you to distinguish between pre-approval versus pre-qualification because I get this question a lot. I know what the difference is. [21:16] CINDY: Right. [21:16] JAMES: They are a big difference. I want you to speak on that a little bit so people really understand the difference and when, as a realtor, if you're making an offer on one of my listing with the prequalification letter, I'm not feeling that comfortable about it quite honestly. [21:32] CINDY: Yeah. [21:33] JAMES: Yeah, speak on that a little bit and tell the people the differences are. [21:39] CINDY: Sure. Okay. Definitely pre-qualification and pre-approval. The underwriter, there's a couple differences. The underwriter does the pre-approval, so that's when it actually goes into underwriting. [21:53] JAMES: Yeah. [21:53] CINDY: There're levels of prequalification letters that have stronger credibility than others. That's pretty much the documentation. [22:05] JAMES: Yes. [22:05] CINDY: When that consumer fills out a credit application and we call them. We go over the 10 on 3 with them. We pull their [inaudible] with score, input their liabilities and the application, make sure their debt to income ratio is right and sure. The LTV is right. Run interest rate pricing and make sure we get automated underwriting system approval, which is the automated scientific version of what an underwriter does. When we get an approved eligible, that triggers us to give a prequalification letter. [22:41] JAMES: Right. [22:42] CINDY: On that letter thought, if we want to take it to, I always say, I want to upgrades your prequalification letter, just to upgrade its which means I'm going to now look at your source document. [22:53] JAMES: Right. [22:54] CINDY: Source documents are your tax returns to your tax returns, early day pay stubs. That's the critical part because we really want to look at the tax returns to see what are you writing off. If you're a W2 employee, to write off, [inaudible] 106 expenses, with your salary reimbursed expenses. Because if so, we may and I say may, have to charge that as debt because those are business expenses that you're claiming. There are different programs where you may be able to skirt around that like a W2 only program if you don't own any real estate, you might be able to eliminate that. The point is, is that we need to look at the documentation that will uncover potential issues and can give us a better direction of which way we want to take the financing. [23:50] JAMES: Right. [23:50] CINDY: Yeah, it's pretty much, it’s a prequalification letter. It's just reviewing the documentation or not. That, if you're realtor, that's one of the things that you should look at is the documentation. [24:04] JAMES: Yes. Yeah. Because I mean, the prequalification, and yeah, you spoke on. That you can go online and fill out some information and get a prequalification spit out. [24:13] CINDY: Yes. [24:13] JAMES: With no verification of anything, which is why I love the fact that you take it a step further. For all of us that are involved in the transaction. From realtor to lender, we wanted to be strong. Nobody wants to waste time going through contracts and inspections and everything kind of like that. [24:37] CINDY: No. You can raise so much money. Like you wait to you inspection fee, your option fee. [24:42] JAMES: For sure. [24:42] CINDY: Even lose your earnest money, appraisal. You talk in $3,000. [24:47] JAMES: Yeah. [24:48] CINDY: I always…the realtors that I work with, I always train them, teach their clients in the beginning because you're the front contact. Let's see, pair them with need and it's very easy to your tax returns to your W2's, a 30 day pay stubs, two month bank statements, and even the bank statements are pretty significant. Even ID, I mean we've uncovered…we don't look at the beginning and then things happen that's expired and they don't have time to go get it renewed or there's always something. Really, I always tell borrower. I said, it is a lot of extra work. There is no benefit to them, the consumer if they don't provide that upfront. [25:29] JAMES: Yup. [25:32] CINDY: Good realtors prepare their clients for that right in the beginning. When I come in and talk to them, they've already heard it from you, another hearing it a second time. Again I pushed for that. I can't make them do anything. I tell them what's that risk? If they don’t get those documents and they usually, I've never had a problem with anybody complying with that. [25:59] JAMES: Right. Yeah. I think you said it. Yeah, setting that expectation from my end before they ever really talked in and most of the time, not all the time, but most of the time, it's going to start with the agent. That is so important to set that expectation. [26:12] CINDY: Yeah. You're really the point of contact. This is your lead. [26:17] JAMES: Right. [26:17] CINDY: The relationship in some way. Either from a referral or somebody that's coming to you to buy a home and I'm just the support behind the scenes. You lay the groundwork. You're going to have more credibility because you know what you're doing because this isn't your first rodeo. Then when I get them, they've already heard it before. It's really the call about preparing them and making it easier for them.[26:43] JAMES: Absolutely. [26:43] CINDY: The financing process can be, we asked for lots of documents throughout the process from start to finish and consumers will always say, is this all you need? I tell them, I'm like, well this is all I need today. [26:57] JAMES: Right. That's right.[26:58] CINDY: I'm going to back up really people behind me that are going to look at your file in a completely different way than I do. The underwriter is going to ask for conditions that need to be cleared. The processor's going to ask for documentation, my production partner, and then we might ask you for the same document again because you might not be exactly what we need. We can ask for documents up until a week or less than a week before closing. You can prepare your borrowers for that and if that doesn't happen, then it's even better.[27:33] JAMES: Yeah, supplies. [27:35] CINDY: Yeah. [27:35] JAMES: Absolutely, yeah. Now I try and said that explanations for all my clients, so yeah. It could go up to the day or the week before. [27:46] CINDY: Yeah. [27:47] JAMES: Just prepare for it. If it happens, then you know. You knew it was a possibility and I think that just makes people feel so much better because…and it's not a difficult thing just to let people know. This is not. There's a lot. It's not a straight. It might go like this. [28:06] CINDY: Yeah. [28:07] JAMES: With the close. It's not just a straight…a straight. There're a lot of things that happened. A lot of adjustments that get made, kind of like flying a plane. We never really feel it for the most part, but there're a million adjustments that these pilots are making over in a plane. Out of my analogy when it comes to a mortgage loan, because it's the same thing. It starts off one way and eventually you'll get to your destination which is closing. It's not always just a smooth process and a pupil, so frustrated with it. [28:39] CINDY: When I'm there along the way, every step of the way, I tell my followers, you can follow me after 5:00 and you can call me on the weekends. There's going to a lot of stuff that it's going to be thrown at you and especially that first time home buyers, I'm here to help you to translate what somebody else is asking. I might not be specifically asking you, but somebody else has requested that non-certain. That's part of my job. There is service court, which is mortgage lenders like myself, local small lenders. That one of the benefits is the service and being available and for the realtor as well to call and know that every time they call me, I answered the phone and I can get my voicemail. You're going to get me. [29:30] JAMES: Yes. [29:30] CINDY: You can ask the questions and I'm going to give you a straight up answer or I'm going to find out the answer if I don't know. Figure it out because you're left on a, on a ship that with the captain.[29:44] JAMES: I had that happen. I know there're a lot of realtors, its happened. Lender just do this but I know I'm working with you for the past three years. You are truly aware. You do answer the phone. Whether it's good or not, you're not the lender who just takes off and which is amazing that it happens, but it does.[30:06] CINDY: Bringing bad news to people is not easy. There's nobody on the planet would like to do that. Especially, the largest purchase of your life and that would not be a good thing and I try to stay clear of that, meaning I don't have bad situations at my peak that I qualify either solid and if they're not which means there are some weaknesses in their credit profile, which there could be that prepare them for that. I can say, this is what we're…this is the plan, and I give them the option. Your ratios are super high. You've got these collections that could be an issue. Here's what you risk. Your option money, your inspection fee, your appraisal fee. I will tell them that its a weaker profile and let them make a decision if I want to move forward or not. It also tell my realtor that too, so that they can be prepared if I have to make that call and say we, there was a hurdle that we just couldn't overcome. Blindsided like, well, why didn't you tell me this? Because yeah, I haven't run into that yet, but I will and I would. That's how I would approach that there wasn’t a paper lending. [31:29] JAMES: Yeah. There's a lot of stuff that happens that we just, again we don’t have control over what this, what the transaction is. So many people involved with so many things that happened. It's just the nature of what we signed up for this. [31:46] CINDY: That's right. [31:46] JAMES: We have this business but we love what we do. We all do because it's…it can be a crazy, crazy business. It really can. You are really good at what you do. I will excel the builder, all my builder partners that I know of. They are looking for a dependable vender. You are definitely a… [32:11] CINDY: Thank you. [32:13] JAMES: I'm speaking from personal experience, so not mean I've worked with you and I've seen what you do. How can people get a hold of you? Website, phone number? What's the best way? I'm going to post your information as throughout but…[32:30] CINDY: Okay. [32:30] JAMES: Go ahead and give…what's the website and in your phone number where to reached for you. [32:34] CINDY: My phone number is the best way. [32:36] JAMES: Okay. [32:37] CINDY: 832-370-7373, that's the best way. [32:42] JAMES: Okay. [32:43] CINDY: Yeah. [32:44] JAMES: Got it. [32:45] CINDY: My phone and now we will…you can go from there. Apply online. I get a direct portal website for online applications. [32:53] JAMES: Right. [32:54] CINDY: Get notification when it started. Application started and I get a notification when it's completed through email. What I usually do is I call the borrower right away. Introduce myself. Go over the 103 with. [33:08] JAMES: Okay. [33:08] CINDY: My link to apply online is cindywest.nrlmortgage.com.[33:17] JAMES: Okay, say that on more time. Cindy West just one word.[33:18] CINDY: Cindy West one word dot NRL mortgage.com. [33:24] JAMES: Got It. Okay, I'll make sure I'll post that on so people can have that and say if there's…if someone just got some questions about that, that special program that you guys have because there's probably a lot more detail that you can speak with and that…or just any loan. You have it take conventional or Cindy does it all. [33:41] CINDY: That's right. Okay. [33:42] JAMES: She could help you guys and she will get you to the finish line. I promise you. She's really good at it and I appreciate your time Cindy. [33:52] CINDY: Thanks James. [33:53] JAMES: We will do this again. [33:55] CINDY: Yes. [33:55] JAMES: Now we're about to head and get into the holiday season here the next week or so. We'll make sure we do this again. We can sit here and talk for hours about this. There's so much talk about. [34:09] CINDY: There is. [34:10] JAMES: We'll do this again. I appreciate your time. [34:13] CINDY: Okay, thanks. [34:14] JAMES: We will do this again. Thank you so much Cindy. [34:17] CINDY: Okay James. [34:17] JAMES: You take care.[34:18] CINDY: Thank you. [34:19] JAMES: All right. [34:19] CINDY: All right. Bye. [34:20] JAMES: Bye-bye. If you like this episode of the Houston Home Talk podcast, please don't forget to like, share, and comment! We appreciate your support and feedback! See acast.com/privacy for privacy and opt-out information.

This week’s guest describes herself as someone who likes to blow shit up. They are her words not ours.  Cindy Gallop is a globe-trotting consultant, speaker and entrepreneur who was a former North American head of the famed advertising agency, Bartle Bogle & Hegarty (BBH). As you’ll hear in this conversation, Cindy is a strong, edgy character with clear views about many topics including diversity and sex, to name just two. She’s not one of those people who just say things, she’s out there trying to change the world! And it hasn’t been easy. Around 13 years ago, she decided it was time to leave advertising and do her own thing… Her mission for the past nine years is to make it easier for everybody in the world to talk about normal sex vs pornography through her start up MakeLoveNotPorn. You’ll hear about how her now infamous TED talk led her to embark on this journey which would prove to be filled with unexpected challenges. In this episode you’ll learn: How Cindy’s life and career have always been a complete accident. How asking about where her career was going led to her dream job starting and running the BBH US business How her own experience of dating men in their 20’s led to MakeLoveNotPorn Her powerful thoughts on why you should shamelessly self promote Why she’d tell her younger self to "don't give a damn about what other people think" and; How she’s been turned into a chatbot that you can’t afford to ignore. You really don’t want to miss this episode with the very unique Cindy Gallop!   Links of interest: MakeLoveNotPorn Cindy on Twitter Cindy on Facebook TED Talk     Check out the Cindy Gallop ChatBot on Facebook Messenger to get Cindy's advice to negotiate your salary. You'll need to use a US postcode (such as as 90210) as the bot was built using US salary data. The advice is still useful wherever you live in the world. Ask Cindy Gallop ChatBot     See acast.com/privacy for privacy and opt-out information.

Cindy Henson is an incredible author with a message to share about how she, not only left her corporate life, but found herself during the process of finding what she was meant to do. She is the author of the book, The Jungle: A Journey to Peace, Purpose, and Freedom. Today, Cindy shares how a certain health challenge led her to “project manage” her own life and transform her life in a way that also impacts other people. Meditation, forgiveness, and speaking your truth are just three key takeaways from this amazing episode!   What We Discuss with Cindy Henson: Making that decision to finally have her book published after several years How do you tell the story without crossing the line? Cindy's story on education, a rough childhood, and her factory job A health challenge that led Cindy to take away every rule she used to follow to get to success Tapping into the power of meditation to figure out your next step Writing the book: Disrupting the reader as part of the story How Cindy got herself to attend the University for Peace in Costa Rica and some things she found that challenged her beliefs What genuine curiosity and listening can make an incredible difference A story of forgiveness: Why you have to forgive the unforgivable Like this show? Please leave us a review here -- even one sentence helps! Consider including your Twitter handle so we can thank you personally!

If you've been listening to Podcast A Vet for a while, you may remember Zach Lake in Episode 16 talking about what year one of vet school is like. Today we're talking with Cindy Vaca, an almost graduated fourth-year vet student to get a very different perspective, and some tips on the experience of going through veterinary school. Cindy is a fourth-year vet student at CSU, with a unique background from her classmates. She tells us with wonderful vulnerability about her experiences with depression and failure in the decade after high school and before vet school, and how those struggles have given her a unique perspective and unrivaled optimism. We also talk about her top survival tips to get through vet school as well as how she prepared for the NAVLE licensing exam. She tells us about her upcoming internship and why she wanted that particular hospital. We also discover exactly how small the vet med world is!   In this episode: Cindy’s best survival tips to get through vet school Her thoughts on failure and how they made vet school easier An unexpected example of how small the vet world is How Cindy prepared for the NAVLE licensing exam   Quotes: “Failure’s not so scary, it’s just another step that makes you stronger and wiser” 6:09 “It took 30 years of being miserable to find the joy in everything.” 16:22 “Be kind to your intern-mates, and be kind to your technicians, because they’re the ones who are going to bolster you…. For a lot of things, your technicians will know more than you; respect that knowledge.” 54:26   Links: Enjoying the show? Help support Podcast A Vet on Patreon!   Episode 16 with Zach Lake    Find the full show notes here  Keep up with everything Podcast A Vet  Follow Podcast A Vet on Facebook | Twitter | Instagram Join our community of dedicated vet professionals looking to improve their practices and lives in our free Facebook community!

Until you make a sale, you're not really in business. Making sales is what it's all about, yet many of us in the wedding industry haven't been properly trained on how to sell and how to close the deal. In this week's episode of the This Week In Weddings podcast, we're chatting consultant and trainer Cindy Novotny about sales tips that anyone can use to book more business. About our guest:  Cindy is the founder of Master Connection Associates, a premiere international training and consulting company, specializing in customer service, sales and leadership performance. During MCA’s history, Cindy has received numerous awards and accolades. The American Society for Training & Development (ASTD) recognized her as one of nine most powerful and innovative speakers and Hospitality Sales and Marketing Association International (HSMAI) recognized Cindy as one of the Top 25 Most Extraordinary Minds in Sales & Marketing. The Award is given for the most innovation, vision and achievement in the hospitality, travel and tourism industry. This year, Cindy was also the recipient of the IACC Pyramid Award for Excellence in meetings. Cindy’s energy, passion, and drive guarantee that her message will always ‘hit home’. She addresses multigenerational and multicultural groups from an array of industries. A true “road warrior,” Cindy travels almost 50 weeks per year speaking, training and consulting. Cindy’s book “LIVING WITH NO BALANCE…And Loving It!” encapsulates her life on the road, running an international consulting company, assisting with her award winning restaurant, and managing her 200 acre cattle farm in Iowa. In this fast-paced book, Cindy challenges people to feel good about trying to do it all while living in a less than balanced World. In this episode, listeners will hear about: Cindy's background in hospitality, training and consulting How Cindy is able to respond quickly to inquiries in 7 seconds, 7 minutes, or 7 hours How professionalism goes a long way in making sales Steps to take when meeting with a client for the first time during a sales consultations How to effectively follow up after sending a proposal Asking for the sale in a way that doesn't feel pushy Want to connect with Cindy? Website: http://www.cindynovotny.com and http://www.masterconnection.com/  Email: info@masterconnection.com and cindynovotny@masterconnection.com Phone: 949-589-6137

Follow Linda on Social Media @ Chickfitstudio on Facebook Instagram and Twitter and my website is www.chickfit.me Cindy is an Integrative Nutrition Health Coach and founder of Unlock Better Health. She is deeply passionate about inspiring her clients to reach their ideal weight, increase their energy, and live a healthy balanced lifestyle while juggling their career and personal life. Her articles have been featured in Fitlife.tv, Take Back Your Health, and Curejoy.com. She's been featured in Woman’s World, Fitness Magazine and First for Women. She's the author of Unprocessed Living and the upcoming book, 52 Keys to Unlock Better Health. To find out more, visit her website at www.UnlockBetterHealth.com. Instagram: @Unlock Better Health Facebook: https://www.facebook.com/UnlockBetterHealth/ What we discussed in this episode: Cindy's work as a health coach in Dr. Daniel Amen's office. The brain is the only organ that we diagnose without looking at it. Brain Scans and alcohol. How reading labels and knowing what to look for can change your health. When reading labels, skip the fancy marketing on the front, do the flip and read the ingredients on the back. How Cindy went from being 50 pounds overweight, diagnosed with Hashimoto's,high cholesterol, and on 4 medications at 40 to being the complete picture of health at 50. Reversing disease and getting rid of toxins.   What type of cleaning products, lotions, aerosols, and plastics to use or stay away from. How to detox and support your detoxification pathways. The problems with using all types of plastics, including BPA free and what to use instead. Reverse osmosis process for water purification. Products can claim to have no trans-fat, if there is less then a 1/2 gram per serving.  Why to stay away from artificial sweeteners. If your food says it's free of something it is probably full of something you don't want. The recipe for Cindy's warm smoothie. Intermittent Fasting and it's benefits.      

Cindy has 30+ years of business experience, specifically in developing and implementing revenue and profit generating strategies translated to tactical roadmaps from startup to ceiling-busting to exit. Cindy is creator and master facilitator of the ZFactor Methodology, a system which leverages the Visioneering process to catalyze instant change for revenue acceleration. A facilitated think-tank session process elucidates Gaps and Opportunities between current reality and desired future state of the business and creates 90 day agile roadmaps for implementation. She is founder and partner with ZFactor Group and author of “ZFactor Sales Accelerator: From Vendor to Value Creator,” which has been listed on Amazon’s Best Sellers for sales teams. From 2006 to 2012 she was VP Strategic Sales for an Austin Ventures company and helped grow the company from $800K to $54MM in 2012 and leveraged her ZFactor methodology to innovate strategy and develop the talents of a channel of 130+ sales professionals. There she ran the Enterprise Account Services (EAS) division and helped build the EAS sales operations infrastructure to support roll-out of an eCommerce Platform to corporations. Other experience includes Systems Engineer and computer sales with Motorola, Manager with Ernst & Youngs Information Technology Group, and MarComm Director for one of first Internet company IPOs in 1997. She is a Sum Cum Laude graduate of Texas A&M University. What you’ll learn about in this episode: How Cindy got her start in business by selling mini computers and going door to door How the xy graph of the ZFactor methodology works How to determine if you are strategically and relationally relevant to your clients What each quadrant of the ZFactor sales acceleration methodology graph means Where the “z” in ZFactor methodology comes from How to create relational and strategic relevance with clients What you need to know about a client in order to be relevant to them Why it’s backwards to try to sell your product before you understand your client An example from Cindy’s personal life about how this methodology also works outside of business The evolution of the ZFactor methodology An example of why it’s important to understand relationships in order to be successful Why it’s imperative to remember that businesses evolve and that you should be looking to the future with them The difference between doing business with companies and doing business with people How to meet clients and salespeople where they are at Why it’s important to have a dedicated person to help when implementing a system A big mistake many people make that hinders the growth of a client relationship How Cindy ensures companies are going to be using this methodology properly over an extended period of time The ZFactor methodology process that includes specific action items to get to a desired future state A powerful example of what the ZFactor methodology looks like within a company What questions to ask to make sure you are relevant and are in the correct quadrant of the graph Where Cindy plans to take the ZFactor methodology in the future Cindy’s advice on how to figure out why you’re relevant to your clients Ways to contact Cindy: ZFactor methodology book: www.ZFactorgroup.com/resources/books Twitter: @ZFactorV2V Linkedin: www.linkedin.com/in/cgoldsberry A transcript of this episode is available here: systemexecution.com/zfactor-sales-acceleration-methodology

This week’s episode focuses on leadership and having an attitude of gratitude. My guest, Cindy Elkins, joins me to share how her experiences at Genentech and as a board member of Weight Watchers International, have shaped her perspective on life. Cindy acknowledges she didn’t always bring her whole self to work, but during her journey, she did create environments where people could flourish within corporate communities. Binding people together without using functional, structural strategies is what makes Cindy’s cultural leadership qualities a powerful asset in life and in business.   Key Takeaways: [3:14] What does the phrase ‘bring your whole self to work’ mean to Cindy? [7:29] Cindy is acutely aware of what it feels like when someone doesn’t feel safe to bring their whole self to work. [12:37] Sometimes people in senior roles need to be vulnerable. [21:57] How Cindy came to be on the board at Weight Watchers. [27:55] The body image differences between men and women. [37:11] Practical strategies to link the corporate world to a world fueled by gratitude. [49:44] Intangible cultural leadership attributes are hard to quantify.   Resources: Mike Robbins Website Mike Robbins Podcast Mike Robbins on Facebook Mike Robbins on Twitter Cindy Elkins on LinkedIn There’s No Good Card for This, by Kelsey Crowe Option B, by Sheryl Sandberg

My guest today is Cindy Witteman, from San Antonio, Texas. She’s a former single mom of three girls who has created a non-profit called Driving Single Parents, Inc. She finds and donates a car, with the license, tax, and title paid, to a needy single parent. Single parents often find it difficult to secure resources and support, but Cindy’s inspiring story shows what can happen with a heart to give back and help others. Join me for Cindy’s story! What you’ll hear in this episode: How the non-profit grew from her personal experience with single parenthood and the need for transportation How Cindy finds and chooses the single parents The qualifications for recipients: A valid Texas driver’s license, car insurance, and a single parent How Cindy hopes to expand the program and gain more funding The first recipient, John, who lost his wife and his leg in an accident Why single parents often feel alone and without help How this program can be duplicated in other communities Cindy’s first idea of providing child care for single parents, and why that didn’t work How the idea of providing vehicles came about The situation when walking, biking, and public transportation are simply NOT options How to make donations to help Being a single parent: when people stop answering your phone calls Resources: www.drivingsingleparents.com Email Cindy: drivingsingleparents@yahoo.com Call Cindy: 210-251-5666 Donate to Driving Single Parents here!