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Episode 314 is with my friend Jerry Howard. Jerry has an incredible story of redemption, perseverance and leadership. You're gonna love this one! About Jerry Jerry Howard is an executive mentor, speaker and author, and owns multiple businesses. A veteran of the United States Marine Corps, he is the founder of Jerry Howard International and Managing Partner for iNTREPiD iMPACT Team, a faith-driven leadership and business consulting agency. His executive background is in hospital administration and he has bought multiple businesses. He specializes in facilitating world class outcomes for small and middle market business owners while simultaneously teaching them to be leaders worth following. Jerry enjoys writing and creating video content that intersects faith, leadership and business. He was featured in Victorious Living Magazine's January 2024 edition and is a nationally recognized leadership speaker. https://victoriouslivingmagazine.com/... His latest book, Faith Driven Leadership: God's Blueprint for World Class Business is scheduled for release January 2025. Jerry has been married for over 22 years, has 4 children, two in college and two in middle school. He enjoys practicing his Christian faith, being with family and active sports such as snowboarding and mountain biking. Link - https://jerryhowardinternational.com/
A new MP3 sermon from Emmanuel Missionary Baptist Church is now available on SermonAudio with the following details: Title: Joash, Good King of Judah Speaker: Jerry Howard Broadcaster: Emmanuel Missionary Baptist Church Event: Sunday - PM Date: 7/28/2024 Bible: 2 Kings 12:1 Length: 27 min.
A new MP3 sermon from Emmanuel Missionary Baptist Church is now available on SermonAudio with the following details: Title: Joash, Good King of Judah Speaker: Jerry Howard Broadcaster: Emmanuel Missionary Baptist Church Event: Sunday - PM Date: 7/28/2024 Bible: 2 Kings 12:1 Length: 27 min.
A new MP3 sermon from Emmanuel Missionary Baptist Church is now available on SermonAudio with the following details: Title: Jehoshaphat's Compromise Subtitle: OT History of Kings Speaker: Jerry Howard Broadcaster: Emmanuel Missionary Baptist Church Event: Sunday Afternoon Date: 6/3/2024 Bible: 2 Chronicles 20:35-37 Length: 23 min.
Gilbert and Bear interview Jerry Howard. Gilbert met Jerry years ago when his daughter Katrina played for Jerry on his all girls basketball team the Blazers. It was easy to see the passion that Jerry had as a coach and Gilbert soon learned that it wasn't only basketball Jerry was passionate about. Gilbert and Jerry development a friendship and a business relationship that continues long after Katrina went on to High School and retired from the Blazers. Jerry has helped Gilbert in both business and personal legal needs as Jerry is a named partner at Tyne, Taylor, Fox and Howard Law Firm. Listen and learn how Jerry came to Santa Barbara from Mississippi as a little kid and worked his way to become an educated, successful professional that is passionate about contributing to the community he loves so much
Today in Episode 112 Paul interviews Jerry Howard, Founder and Managing Consultant at iNTREPiD iMPACT and a proud member of C-Suite for Christ! He and Paul talk about their mission and journey to cover the world in Christ. You will not want to miss this one. Enjoy! Learn more at https://csuiteforchrist.com Learn more about Jerry by connecting with him on LinkedIn: https://www.linkedin.com/in/jerrydhoward/ Jerry's email address is jhoward@intrepid-impact.com The C-Suite for Christ would like to thank Tom Feldhusen, Executive Advisor, for his support of this program. To learn more about Tom and the services that he provides, please click here. --- Send in a voice message: https://podcasters.spotify.com/pod/show/c-suite-for-christ/message
A new MP3 sermon from Emmanuel Missionary Baptist Church is now available on SermonAudio with the following details: Title: Paul's Goal Speaker: Jerry Howard Broadcaster: Emmanuel Missionary Baptist Church Event: Sunday Service Date: 1/3/2024 Bible: Philippians 3:10-20 Length: 33 min.
Fannie and Freddie are changing some rules that could make home loans more expensive for people with high credit scores, and less expensive for those at the low-end of that spectrum. Critics say the rules amount to an unfair subsidy for high-risk borrowers, but the GSE's say it's a misconception about what they are changing. Hi, I'm Kathy Fettke and this is Real Estate News for Investors. Please remember to subscribe to this podcast and leave us a review. You may have seen the headlines already. One says: “A Bigger Subsidy for Risky Mortgages.” Another says: “Upside Down Mortgage Policy.” Another says this new policy will “screw Up the Homebuying Market.” The headlines refer to a new rules from the Federal Housing Finance Agency regarding loan-level price adjustments or LLPAs for conventional loans. They officially kick in on May 1st, although some lenders have already been incorporating them into their fee structures. What's an LLPA? If you have a mortgage that's backed by Fannie or Freddie, you have paid or are paying this fee. LLPAS are fees that the government-sponsored enterprises charge when they buy loans from lenders. The fee is passed on to borrowers as a percentage of the loan and the amount is based on the borrower's risk factors such as credit score and down payment. People with higher risk factors pay higher LLPAs, and they can be paid up front or with higher monthly mortgage payments. Business Insider offers a few examples of how the new pricing structure will impact borrowers. 1 - Someone who might see an increase could have a credit score of 700 with a 20% down payment for a $300,000 loan. They would have previously paid 1.25% of that loan amount or $3,750. With the new fee structure, they'd pay 1.375% or $4,125, which is an increase of $375. (1) 2 - Someone who might see a decrease could have a credit score of 780 but a down payment of just 3%. Previously, they would have paid .75% on a $300,000 loan or $2,250. With the new rules, they'd pay .135% or $375. That's a $1,875 reduction. NAR, NAHB Opposed to the New Rule The National Association of Realtors is among those criticizing the rule change. It is encouraging the FHFA to rescind the new rule especially given the affordability issues facing home buyers. It suggests instead that: “The GSEs could simply reduce the fees for (higher risk) borrowers and maintain the others at the same cost—especially given the sharp decline in affordability over the last year.” (2) National Association of Home Builders CEO, Jerry Howard, told Newsweek: "In the short term, this may increase homeownership among the targeted group, but I'm afraid it could decrease homeownership among the middle class. I'm not sure that we're not robbing Peter to pay Paul here." (3) FHFA Defends New Rules FHFA Director Sandra Thompson issued a press release this week to “set the record straight.” She says: “Much of what has been reported advances a fundamental misunderstanding about the fees charged by the GSEs and why they were updated.” She says the pricing structure hadn't been updated for many years, and the new pricing structure is the result of a 2021 review. (4) The goal: “To maintain support for purchase borrowers limited by income or wealth, ensure a level playing field for large and small lenders, foster capital accumulation at the Enterprises, and achieve commercially viable returns on capital over time.” The overhaul has been done in steps over the last 18 months, beginning with fee increases for loans on second homes, high balance loans, and cash-out refi's. Then some fees were eliminated for first-time homebuyers with lower incomes but the means to meet their loan obligations. She says in her statement that this latest step is a recalibration of upfront tees that will make the housing finance system more resilient. Among the misconceptions, she says: 1 - Stronger credit borrowers are not subsidizing weak credit borrowers. She claims that fees generally increase for lower credit scores, despite the down payment. 2 - She says the new fee structure does not raise the fees for all low-risk borrowers. She says many borrowers with high credit scores or high down payments will see no change in their fees or even a decrease. 3 - She says the old framework was not perfectly calibrated to risk. She says it was essentially outdated, and is now better aligned for the performance of a mortgage relative to its risk. 4 - The new rules do not encourage low-income borrowers to pay a lower down payment to benefit from lower fees because they will also have to pay mortgage insurance premiums. 5 - The elimination of upfront fees is not for people with lower credit scores but for borrowers with lower incomes, and she says they are essentially supported by the loan fees for second homes and cash-out refi's (and not by good credit, high down payment borrowers). 6 - The changes are not intended to stimulate mortgage demand, but rather to advance the soundness and safety of the GSE's. The old and new fee structures are listed on the Fannie Mae website. You'll find links to those tables in the show notes if you'd like to compare. (5) (6) Impact on Real Estate Investors So how does this impact real estate investors? Shawn Huss of Warsaw Federal told RealWealth: “For investment lending, it has helped out in some situations with better pricing when you have a greater down payment or a two to four unit. For a multi-unit, Fannie used to charge 1.0 points in additional pricing. Now if an investor's credit score is 780 or higher, it is only .375%. Another example is pricing used to be 2.125 points in pricing for 70% loan-to-value. With the new pricing, at 70%, the pricing is better by .50 points which helps with lower rates.” The new pricing structure only impacts conventional loans – not jumbo loans, FHA mortgages, or other non-conforming loans. You'll find links to the stories I mentioned at newsforinvestors.com including the charts from Fannie Mae where you can compare the two pricing structures. And please, remember to hit the Join for Free button at RealWealth and subscribe to our podcast. Thanks for listening, Kathy Links: 1 - https://www.businessinsider.com/personal-finance/biden-fhfa-new-mortgage-fee-structure-2023-4 2 - https://www.nar.realtor/washington-report/nar-advocates-for-fhfa-to-maintain-affordability-for-all-homebuyers 3 - https://www.newsweek.com/biden-raises-costs-homebuyers-good-credit-help-risky-borrowers-1795700 4 - https://www.fhfa.gov/Media/PublicAffairs/Pages/Statement-from-FHFA-Director-Sandra-Thompson-on-Mortgage-Pricing.aspx 5 - https://singlefamily.fanniemae.com/media/33201/display 6 - https://singlefamily.fanniemae.com/media/9391/display
Do you struggle to share your faith in the workplace? This encouraging episode with business coach and ESPN's Intrepid Impact Leadership Show host, Jerry Howard will inspire you as you try to comprehend God's call for your life and what He was so patiently and simply saying to you. Jerry discusses how he uses unwavering leadership, faith, and light in the workplace, which he sees as the nation's biggest mission field. Learn more about the Five Leadership Voices and hear testimonies and discoveries on how to live a life that is less stressful according to God's will rather than the world's. CONNECT WITH OUR GUEST: Jerry Howard Five Leadership Voices, Linkedin, iNTREPiD iMPACT, Website, And Then There Was Light Welcome Home, New Believer Workbook-FREE PDF Download when you enter your email! LEARN MORE ABOUT: Christina Perera Ministries Don't forget to subscribe to the podcast, rate us on iTunes, and sign up for our ministry mailing list to get more encouraging content on our beautiful Savior Jesus, and more! SPONSOR: Plexus Living Free- Are you looking to improve your health? Plexus products help you lose weight and balance your body with plant-based supplements. Take control of your health with this quiz and receive 10% off your order and a Free VIP membership for listening to Revealing Jesus. Use code RJ10OFF SOCIAL CONNECT: Facebook & Instagram CPM EVENTS & OUTREACHES: Miracles Tour Photos & Contemporary Christian Music Magazine article! RESOURCE: I want to empower you with additional resources to deepen your walk with Jesus! Chosen: Appointed for Favor, Destined for Greatness- Choose now and declare, “I am chosen!” and watch as the mysteries of heaven are opened to you. ADDITIONAL READING: Kathy Vallotton Encourages You to Encounter Jesus in the Midst of the Struggle By Christina Perera & Jesus Is Provision You Will Not Lack! By Christina Perera SUPPORT: We cannot bring you this faith-building podcast without your financial gifts. Share the gospel of Jesus Christ by sponsoring an episode of Revealing Jesus! Support Revealing Jesus and honor your loved one's special day. Get a special on-air dedication to your loved one! CONNECT: If you love the prophetic devotionals, get a free PDF Workbook: Becoming the Bride, when entering your email address. Once available, sign up for a FREE eBook version of Fire In Unity. It's your turn to join the conversation on Revealing Jesus; tell us your burning questions about Jesus, your favorite Christian leaders, and your testimonies of God's goodness! STORE: Get your favorite gear from the store and help our ministry initiatives unite and reach a hurting world!
A new MP3 sermon from Emmanuel Missionary Baptist Church is now available on SermonAudio with the following details: Title: Friends Proverbs Subtitle: Proverbs Speaker: Jerry Howard Broadcaster: Emmanuel Missionary Baptist Church Event: Sunday Afternoon Date: 11/27/2022 Bible: Proverbs 27:10 Length: 26 min.
Jerry Howard, CEO of The National Association of Home Builders joins the show to discuss the economy and the housing market, the gubernatorial races, education and why the NAHB follows them closely.
On this episode of Concrete Credentials, Gregg is joined by guest Jerry Howard, President and CEO of the National Association of Home Builders . In their conversation, Jerry shares key insight on how to respond to rising housing costs, subjects to look forward to at upcoming conferences, and his economic outlook for the remainder of 2022 and 2023. This riveting discussion also highlights the importance of affordability and resilience in the building industry.
Jerry Howard and Jim Tobin talk with Kevin Harris, of AGS Stainless, about the benefits of offsite fabrication of metal products in home building. Tune in to learn how the innovative products help streamline the construction process during the industry's skilled labor shortage.
Jerry Howard and Jim Tobin welcome Chief of Specially Adapted Housing for the Department of Veterans Affairs (VA), Jason Latona, to discuss his work assisting eligible veterans and service members access the housing adaptation grants that they have earned to live more safely and independently.
The time to Shatter the Glittering Image is now! Join me and my special Co-Host Kari Schwear, Executive Lifestyle Coach for High Performers and Founder of GrayTonic along with our All Star guest panel, Zavonda Parrish, Author of I Am Because He Is (Volume 1&2) along with Jerry Howard, MBA, LNHA, ESPN Richmond Talk Show Host, and Business & Executive Leadership Consultant for our second panel interview that will help you Shatter the Glittering Image that's keeping you from living your life of liberation! Click the link to join our Evangelism On Fire Facebook community today: www.facebook.com/groups/evangelismonfire Check out our website: www.evangelismonfire.com Give to our mission of spreading the Gospel message: https://tithe.ly/give_new/www/#/tithely/give-one-time/5727676 Share today's episode with at least one person. Sharing is caring!
Join me and my special Co-Host Kari Schwear, Executive Lifestyle Coach for High Performers and Founder of GrayTonic along with our All Star guest panel, Zavonda Parrish, Author of I Am Because He Is (Volume 1&2) along with Jerry Howard, MBA, LNHA, ESPN Richmond Talk Show Host, and Business & Executive Leadership Consultant have a fun and insightful coversation about Shattering the Glittering Image. Click the link to join our Evangelism On Fire Facebook community today: www.facebook.com/groups/evangelismonfire Check out our website: www.evangelismonfire.com Give to our mission of spreading the Gospel message: https://tithe.ly/give_new/www/#/tithely/give-one-time/5727676 Share today's episode with at least one person. Sharing is caring!
In the second installment of a two-part series with Lowe's Pros, Jerry Howard and Jim Tobin welcome Jared Gossett of the Building Optimal podcast to discuss the many market forces impacting the home building industry today. Plus, hear a brief discussion of President Biden's housing plan.
Co-hosts Jerry Howard and Jim Tobin welcome NAHB Chief Legal Officer Jim Rizzo to the show to discuss the potential political impacts of the recent Supreme Court document leak.
Housing Developments hosts Jerry Howard and Jim Tobin sit down with two guests to discuss both sides of the housing market, buyers and sellers, to gain a broader perspective on the issues facing housing.
Gretchen Gutierrez, the executive officer of the Desert Valley Builders' Association in Palm Beach, Calif., joins hosts Jerry Howard and Jim Tobin to discuss the value of being an affiliated local within the Federation. Also, hear the hosts' take on President Biden's recent press conference.
At E4 Leadership & Business Coaching, Jerry Howard equips business owners, executives, and their teams with the tools to fight for the highest possible good of those they lead. He drives culture shifts by implementing a language of leadership that bridges the gap between decision-makers and where the rubber meets the road. Client interface, personal [...]
At E4 Leadership & Business Coaching, Jerry Howard equips business owners, executives, and their teams with the tools to fight for the highest possible good of those they lead. He drives culture shifts by implementing a language of leadership that bridges the gap between decision-makers and where the rubber meets the road. Client interface, personal […] The post Jerry Howard With E4 Leadership & Business Coaching appeared first on Business RadioX ®.
At E4 Leadership & Business Coaching, Jerry Howard equips business owners, executives, and their teams with the tools to fight for the highest possible good of those they lead. He drives culture shifts by implementing a language of leadership that bridges the gap between decision-makers and where the rubber meets the road. Client interface, personal […] The post Jerry Howard With E4 Leadership & Business Coaching appeared first on Business RadioX ®.
Jerry Howard and Jim Tobin talk with Alaina Money-Garman, founder and CEO of Garman Homes in Raleigh, N.C., to discuss how founding her business in 2008 helped her prepare for the challenges brought on by COVID-19 and her philosophy for building an award-winning business. Money-Garman is a featured speaker at the 2022 International Builders' Show, where she will present a concept home built in response to consumer research about how the pandemic changed what home buyers want.
A new MP3 sermon from Emmanuel Missionary Baptist Church is now available on SermonAudio with the following details: Title: Be Strong in Faith Subtitle: 2nd Timothy Speaker: Jerry Howard Broadcaster: Emmanuel Missionary Baptist Church Event: Sunday - PM Date: 12/26/2021 Bible: 2 Timothy 2:1-7 Length: 30 min.
Jerry Howard and Jim Tobin welcome John Billings, executive director of National Republican Campaign Committee about the upcoming midterms and political environment of the past year.
hosts Jerry Howard and Jim Tobin welcome Tim Persico, executive director of the Democratic Congressional Campaign Committee(DCCC) to discuss redistricting, predictions for the 2022 midterms, and the importance of passing the infrastructure bill.
Listen to Part 2 of an amazing interview with Jerry Howard from E4 Leadership & Business Coaching. Subscribe to our podcast today! You can find it on Apple podcast or wherever you get yours. Click the link to join our Evangelism On Fire Facebook community today: www.facebook.com/groups/evangelismonfire Check out our website: www.evangelismonfire.com Check out Jerry's E4 website: ephesians4u.com
Listen to Part 1 of an amazing interview with Jerry Howard from E4 Leadership & Business Coaching. Subscribe to our podcast today! You can find it on Apple podcast or wherever you get yours. Click the link to join our Evangelism On Fire Facebook community today: www.facebook.com/groups/evangelismonfire Check out our website: www.evangelismonfire.com Check out Jerry's E4 website: ephesians4u.com
A new MP3 sermon from Emmanuel Missionary Baptist Church is now available on SermonAudio with the following details: Title: Protect the Truth Speaker: Jerry Howard Broadcaster: Emmanuel Missionary Baptist Church Event: Sunday - PM Date: 10/24/2021 Bible: 1 Timothy 6 Length: 35 min.
With Special Guest Jerry Howard! In our last segment regarding the softwood lumber trade dispute, we shift to the homebuilder's perspective to add insight on the real-life implications of this dispute. In this episode, we speak to Jerry Howard, the CEO of the National Association of Home Builders, who has been in the housing industry for over 35 years. Howard speaks with Chris & Scotty about the consequences of soaring lumber prices and the threat it poses on U.S. homebuilders.
Jerry Howard has been an attorney for 20 years and shares some timely, wise words --- Support this podcast: https://anchor.fm/goodlifeconversations/support
On a special episode of Housing Developments, Sen. Sherrod Brown, Chairman of the Senate Banking, Housing and Urban Affairs Committee, joins hosts Jerry Howard and Jim Tobin to discuss housing, including the fate of the GSEs and rental assistance, and what the infrastructure bill could mean for home builders.
In honor of Women’s History Month and International Women’s Day, hosts Jerry Howard and Jim Tobin interview California home building professional Linda Hebert. Listen to Linda’s story about how she got her start in the industry, challenges she’s faced during her influential career, and how she hopes the next generation of women and girls in home building will change the industry for the better.
Jerry Howard and Jim Tobin discuss the biggest headwind facing home building: Skyrocketing lumber prices. In early February, prices surpassed the September peak, causing concern for many home builders and buyers.
In a special episode of Housing Developments taped live at IBSx, hosts Jerry Howard and Jim Tobin welcome Colorado Springs Mayor John Suthers on the podcast to discuss the local impact of home building and development.
Yield PRO TV presents NAHB Power Hitters. Host Linda Hoffman talks with Jerry Howard, CEO of NAHB.
On the year-end episode of Housing Developments, hosts Jerry Howard and Jim Tobin look back at 2019, including NAHB's key policy wins from the year, and where we’re headed in 2020. NAHB had several advocacy victories wins this year, and helped to move the needle on key issues that affect the building industry. Throughout 2019, the association focused on the housing affordability crisis, devoting resources to bringing the American dream of homeownership back within reach.
In this week’s episode of Housing Developments, CEO Jerry Howard and Chief Lobbyist Jim Tobin sit down with the CEO and President of the National Housing Endowment, Mark Pursell. The three discuss the challenges of workforce development, and the ways that groups all over the country are working to build up the next generation of the trade.
In this week’s episode of Housing Developments, White House Deputy Communications Director Jessica Ditto joins hosts CEO Jerry Howard and Chief Lobbyist Jim Tobin to deliver breaking news on housing finance reform, and discuss the Administration's efforts to address labor shortages, trade agreements and other critical topics.
The Multi-Award Winning Josie Show will welcome guests Steve Owen, Mike Jones, and Jerry Howard all JMA Winners. Guests tonight will also include Caroline Kole with Starstruck Records. Tonight we also do a worldwide radio debut of a brand new song from Jeremy Harrell, don't miss it. All hosted by Multi-Award Winning Host, Josie Passantino owner of The Josie Network, LLC.
True Calling Project | Finding Purpose and Meaning In Life and Career
Today’s guest, Jerry Howard, went on a long journey to find his true calling. He dropped out of undergraduate classes, worked in a call center, enlisted in the marines after 9/11, went back to business school, obtained a MBA with a specialization in marketing, left the marines, sold health insurance, was a stay-at-home dad, participated in a corporate leadership training program… and that’s not even everything! Now Jerry serves as the executive director and healthcare administrator for ortho, neuro and cardiac rehab centers. Jerry’s diverse experiences helped him focus on and reorder his top three priorities: Faith Family Finance “Faith, Family and Finances allows me to keep the external world secondary to my family and then my Family secondary to Faith. If you don’t have principles to live by then, when push comes to shove, even within your Family you can be swayed by the moment.” Prioritizing Faith, Family, and Finance helps Jerry keep love as his main motivator. Jerry was motivated by love to write a book for stay-at-home dads titled So You're a Stay at Home Dad, Now What?: Fatherhood Isn't What It Used to Be. In the book, Jerry attempts to help other stay-at-home dads better fill their roles and find their true calling. You can preorder the book on Amazon now. “If you don’t use your talents and the things that you’re good at to make a contribution to the world, then your time here on Earth is wasted.” Resources: Connect with Jerry by emailing him: ephesians4u (at) gmail.com Pre-order So You're a Stay at Home Dad, Now What?: Fatherhood Isn't What It Used to Be... by Jerry Howard Everyone Communicates, Few Connect: What the Most Effective People Do Differently by John Maxwell Interested in learning more about how I can help you through coaching? Find out more at www.johnharrisoncounseling.com/individual-coaching/ Production & Development for True Calling Project by Podcast Masters
The fifth of the Columbia Three Stooges shorts and the first Western theme. Come hear all about the short on my NEW MICROPHONE! Curly is still billed as Jerry Howard on mistitled Horse Collars poster.
The fifth of the Columbia Three Stooges shorts and the first Western theme. Come hear all about the short on my NEW MICROPHONE! Curly is still billed as Jerry Howard on mistitled Horse Collars poster.