Podcasts about phone apps

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  • 171PODCASTS
  • 847EPISODES
  • 1h 28mAVG DURATION
  • 5WEEKLY NEW EPISODES
  • Apr 26, 2022LATEST
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Best podcasts about phone apps

Latest podcast episodes about phone apps

Mortgage Mom Radio - Podcast
Forbearance Is Over, What Now?

Mortgage Mom Radio - Podcast

Play Episode Listen Later Apr 26, 2022 60:00


4/26/2022 Is your loan currently in forbearance but you have not yet reached out to the bank to get back on track or rectify the balance due? Today we discussed the current situation of the US in regards to the amount of homeowners who had put their loan in forbearance at the beginning of the pandemic. We gave updated figures as to the number of homeowners who are still currently in forbearance and will soon need to rectify the balance due. What are the options available to you if you are in forbearance and it's time to talk with the bank. Loan Modification Loan Refinance Sell your home to retain the equity   How will the $1,000,000 homeowners who are still unable to make mortgage payments move the market? Will we see more homes and inventory that are listed for sale, will it slow down the appreciation that we have been experiencing over the last few years? If you are a buyer who has been actively seeking a new home and struggling with current prices and interest rates, should you still be shopping? We gave a lot of valuable information in this episode and we are here to help anyone who needs our assistance. Not sure what you can do? Give us a call! Check out the Mortgage Mom Radio online merch store! The beer mugs are insane! SHOP NOW Book your free phone consultation today, BOOK NOW We are LIVE on YOUTUBE every Monday and Wednesday @ 1PM PST. Interact with us LIVE while we record! Ask us your questions right in the comments. Mortgage Mom Radio equips you with all the mortgage education that you could ask for right at your fingertips! Listen to our Podcast with hours of shows and topics, download our PHONE APP loaded with every mortgage tool that you could need, and finally, watch our HOMEBUYER WORKSHOP SERIES on YouTube! Debbie Marcoux is licensed by the Department of Financial Protection and Innovations under the California Residential Mortgage Lending Act, NMLS ID 237926, also licensed in AZ-0941504, FL-LO76508, GA-69178, ID-167867, IL-031.0058339, NC, NV-57237, OR, TN-184373, TX, WA-MLO-237926

Mortgage Mom Radio - Podcast
Our New Lock and Shop Program!

Mortgage Mom Radio - Podcast

Play Episode Listen Later Apr 19, 2022 54:44


4/18/2022 Today we announced our New Lock and Shop Program! What does this mean? Exactly what it sounds like. You can now lock in an interest rate while you shop. You do not need to have an address identified or be under contract. Learn more by listening to today's episode. Call us for additional details or to get your lock and shop started! 844-935-3634 Exciting news, our North Carolina license was also just approved. We now have 12 states under our belt where we can help you and we continue to add more as rapidly as we can. If your looking to make a move, in my opinion, we are the best in the business, give us a call. Check out the Mortgage Mom Radio online merch store! The beer mugs are insane! SHOP NOW Book your free phone consultation today, BOOK NOW We are LIVE on YOUTUBE every Monday and Wednesday @ 1PM PST. Interact with us LIVE while we record! Ask us your questions right in the comments. Mortgage Mom Radio equips you with all the mortgage education that you could ask for right at your fingertips! Listen to our Podcast with hours of shows and topics, download our PHONE APP loaded with every mortgage tool that you could need, and finally, watch our HOMEBUYER WORKSHOP SERIES on YouTube! Debbie Marcoux is licensed by the Department of Financial Protection and Innovations under the California Residential Mortgage Lending Act, NMLS ID 237926, also licensed in AZ-0941504, FL-LO76508, GA-69178, ID-167867, IL-031.0058339, NC, NV-57237, OR, TN-184373, TX, WA-MLO-237926

Learn To Trade Stocks and Options
Trading and Investing: Online Broker vs. Phone App (what's best?)

Learn To Trade Stocks and Options

Play Episode Listen Later Apr 18, 2022 4:26


When I first got started in day trading and investing, there were no such choices as apps to download onto your smart phone. If I step back and put myself into a beginner's shoes who is brand new to the financial markets, I could see myself being a bit confused between an online trading broker and an app for my phone. The good news is, they are one in the same! The proper wording and terminology would be: An online trading broker offers their customers not only a platform for their PC, tablet, etc. to trade and invest into stocks, but also an app that can be downloaded onto their phone to do the same. In other words, there is no choice that needs to be made between the two tools. The wording can get confusing but they both do the exact same thing. If you are someone who is more visual, let me walk you through these two trading and investing tools that exist thanks to the wonderful world of technology!

Mortgage Mom Radio - Podcast
Home Solar – Power Purchase – Lease – Or Buy, which is best for you?

Mortgage Mom Radio - Podcast

Play Episode Listen Later Apr 15, 2022 41:36


4/13/2022 Have you been thinking about getting solar on your house? Does it make sense for you and your family? Which option is best? Do you purchase the panels outright, lease them, or have you had someone talk to you about a power purchase? Learn what each is, what are the best options, and does solar make sense where you live? Check out the Mortgage Mom Radio online merch store! The beer mugs are insane! SHOP NOW Book your free phone consultation today, BOOK NOW We are LIVE on YOUTUBE every Monday and Wednesday @ 1PM PST. Interact with us LIVE while we record! Ask us your questions right in the comments. Mortgage Mom Radio equips you with all the mortgage education that you could ask for right at your fingertips! Listen to our Podcast with hours of shows and topics, download our PHONE APP loaded with every mortgage tool that you could need, and finally, watch our HOMEBUYER WORKSHOP SERIES on YouTube! Debbie Marcoux is licensed by the Department of Financial Protection and Innovations under the California Residential Mortgage Lending Act, NMLS ID 237926, also licensed in AZ-0941504, FL-LO76508, GA-69178, ID-167867, IL-031.0058339, NV-57237, OR, TN-184373, TX, WA-MLO-237926

Mortgage Mom Radio - Podcast
Our New EMD Guarantee Program – Compete in Today’s Crazy Market

Mortgage Mom Radio - Podcast

Play Episode Listen Later Apr 13, 2022 35:09


 4/13/2022 Today we talked about our New EMD Guarantee Program - Compete in Today's Crazy Market! What is an EMD Guarantee? When you open escrow/title depending on the state where you are purchasing, you will likely wire money to show the seller that you have every intention of buying the home. This wire is called your earnest money deposit. Most contracts will give you a contingency time frame to get your financing in order or better known as your loan contingency. If you can write NO LOAN CONTINGENCY, the seller will take you more seriously. We have come up with a way that you can waive your loan contingency and close in as little as 5 business days! Watch today's show and give us a call if you would like to get your pre-approval started. 844-935-3634! Want to learn more or talk with one of us today? Give us a call, we'd be happy to discuss this loan program with you. 844-935-3634 Check out the Mortgage Mom Radio online merch store! The beer mugs are insane! SHOP NOW Book your free phone consultation today, BOOK NOW We are LIVE on YOUTUBE every Monday and Wednesday @ 1PM PST. Interact with us LIVE while we record! Ask us your questions right in the comments. Mortgage Mom Radio equips you with all the mortgage education that you could ask for right at your fingertips! Listen to our Podcast with hours of shows and topics, download our PHONE APP loaded with every mortgage tool that you could need, and finally, watch our HOMEBUYER WORKSHOP SERIES on YouTube! Debbie Marcoux is licensed by the Department of Financial Protection and Innovations under the California Residential Mortgage Lending Act, NMLS ID 237926, also licensed in AZ-0941504, FL-LO76508, GA-69178, ID-167867, IL-031.0058339, NV-57237, OR, TN-184373, TX, WA-MLO-237926

JeffMara Paranormal Podcast
Man Creates Free Mobile Phone App To Talk To Spirits On The Other Side

JeffMara Paranormal Podcast

Play Episode Listen Later Apr 10, 2022 58:12


Podcast guest 438 is Joshua Louis, author, clairvoyant, clairaudient, clairsentient and conscious medium who created HOPE - Helpers of Paranormal Entities. He dedicates his time to helping stuck spirits crossover as well as grieving people looking for closure. he uses a combination of intuitive abilities and the latest technologies available to capture evidence of the afterlife and communicate with spirits. Joshua's YouTube Channel youtube.com/hopeparanormalwhitelight Joshua's Website https://hopeparanormal.com/ Joshua's Tik Tok tiktok.com/@joshhopeparanormal --- Support this podcast: https://anchor.fm/jeffrey-s-reynolds/support

Mortgage Mom Radio - Podcast
USDA Home Loans

Mortgage Mom Radio - Podcast

Play Episode Listen Later Apr 8, 2022 34:05


4/6/2022 USDA home loans are amazing! Today we had David Corwin, Deputy Director with the USDA on our show to talk about eligibility and the benefits of a USDA home loan. Did you know: You can buy a home using a USDA home loan with zero down payment They work off of the appraised value, not the purchase price which means that you could potentially finance more than what you bought the home for. The income limits are 115% of the median income in the area where you will purchase (this is quite generous). 67% of households in the US will qualify 92% of the homes in the US are within USDA approved rural areas   Want to learn more or talk with one of us today? Give us a call, we'd be happy to discuss this loan program with you. 844-935-3634 Check out the Mortgage Mom Radio online merch store! The beer mugs are insane! SHOP NOW Book your free phone consultation today, BOOK NOW We are LIVE on YOUTUBE every Monday and Wednesday @ 1PM PST. Interact with us LIVE while we record! Ask us your questions right in the comments. Mortgage Mom Radio equips you with all the mortgage education that you could ask for right at your fingertips! Listen to our Podcast with hours of shows and topics, download our PHONE APP loaded with every mortgage tool that you could need, and finally, watch our HOMEBUYER WORKSHOP SERIES on YouTube! Debbie Marcoux is licensed by the Department of Financial Protection and Innovations under the California Residential Mortgage Lending Act, NMLS ID 237926, also licensed in AZ-0941504, FL-LO76508, GA-69178, ID-167867, IL-031.0058339, NV-57237, OR, TN-184373, TX, WA-MLO-237926

Mortgage Mom Radio - Podcast

4/4/2022 Today we talked about VA home loans. If you are a vet and you want to purchase or refinance, you have more options available to you then most other loan programs. From zero down payment to taking cash out at almost 100% of your property value, you have earned it. VA home loans are also much more lenient with credit scores and debt ratios making it easier to qualify for the loan. If you haven't reached out to see if it is possible for you, now is the time! Give us a call today, we'd be happy to speak with you about your options and get you pre-approved for a new home purchase or refinance of your existing residence. Check out the Mortgage Mom Radio online merch store! The beer mugs are insane! SHOP NOW Book your free phone consultation today, BOOK NOW We are LIVE on YOUTUBE every Monday and Wednesday @ 1PM PST. Interact with us LIVE while we record! Ask us your questions right in the comments. Mortgage Mom Radio equips you with all the mortgage education that you could ask for right at your fingertips! Listen to our Podcast with hours of shows and topics, download our PHONE APP loaded with every mortgage tool that you could need, and finally, watch our HOMEBUYER WORKSHOP SERIES on YouTube! Debbie Marcoux is licensed by the Department of Financial Protection and Innovations under the California Residential Mortgage Lending Act, NMLS ID 237926, also licensed in AZ-0941504, FL-LO76508, GA-69178, ID-167867, IL-031.0058339, NV-57237, OR, TN-184373, TX, WA-MLO-237926

Mortgage Mom Radio - Podcast
Credit Repair In 30! Do you have medical collections on your credit report?

Mortgage Mom Radio - Podcast

Play Episode Listen Later Mar 30, 2022 56:57


3/28/2022 Today we talked about the changes that were announced by Experian, Equifax, and Transunion. The credit bureaus have agreed to change what is reported when it comes to medical collections. In this episode we discuss the three changes that will occur between between July 2022 and the beginning of 2023. If you have medical collections on your credit report you have good news in store. You should see a bump to your credit score once all of the changes are rolled out. George Hartmann with Credit Repair in 30 gave us all of the details about those upcoming changes as well as additional tips and advice. If you want to contact George to discuss your own credit and ways to improve your score, you can contact him at creditrepairin30.com Check out the Mortgage Mom Radio online merch store! The beer mugs are insane! SHOP NOW Book your free phone consultation today, BOOK NOW We are LIVE on YOUTUBE every Monday and Wednesday @ 1PM PST. Interact with us LIVE while we record! Ask us your questions right in the comments. Mortgage Mom Radio equips you with all the mortgage education that you could ask for right at your fingertips! Listen to our Podcast with hours of shows and topics, download our PHONE APP loaded with every mortgage tool that you could need, and finally, watch our HOMEBUYER WORKSHOP SERIES on YouTube! Debbie Marcoux is licensed by the Department of Financial Protection and Innovations under the California Residential Mortgage Lending Act, NMLS ID 237926, also licensed in AZ-0941504, FL-LO76508, GA-69178, ID-167867, IL-031.0058339, NV-57237, OR, TN-184373, TX, WA-MLO-237926

Okiki Podcast: Making Inspirational People Known
Okiki Podcast Episode 76: How Venessa Liang went from a cake baking Instagram Sensation to starring on Foodnetwork Canada's Season One of Great Chocolate Showdown

Okiki Podcast: Making Inspirational People Known

Play Episode Listen Later Mar 21, 2022 32:15


Venessa is the baker, caker and dessert creator behind Foodiepharmbabe. Oncology pharmacist by day and cake queen by night - what started as a cake-filled Instagram has evolved into a luxurious dessert experience.  Primarily known for her extra tall, extravagant, floral-covered cakes, Venessa has expanded into the realm of pastry, chocolate, and beyond - bringing with her modern design and glamorous gold and sparkle. Foodiepharmbabe represents a world where cake, pastry, and chocolate are transformed into edible art.  You can find Venessa on Foodnetwork Canada's Season One of Great Chocolate Showdown and she is known in Saskatoon for her winning cupcake creations having taken home the title of YXE's Best Cupcake three years in a row.  Venessa is passionate about food and her local community and is always looking for the next opportunity to give back and connect with local artists. OKIKI RESOURCES: Need Brand Photos? Book Here Join the Okiki Video Content Bootcamp Today!   FREEBIES: FREE DOWNLOADABLE PDF: www.okikiconsulting.com/resources My Top 14 Resources for Entrepreneurs and Solopreneurs PDF contains: My Top 4 Free Resources for Creating Content My Top 4 Phone Apps for Creating Video Content My Top 3 Desktop Apps for Creating Video Content My Top 4 Recommended tools for Solopreneurs ABOUT FIYIN: Fiyin Obayan is the founder of Okiki Consulting, where she helps business owners communicate their personal brand or company brand stories through video content, in order to communicate to their target audience.   She has been participating in video storytelling for 9 years starting with her previous Myspace Channel, and to her personal YouTube Channel. As an entrepreneur, She has learned to develop that skill for social media and now specializes in using it for the LinkedIn platform. Through posting regular content from September 2019, She has gone from 1000 connections to 8000 connections on the platforms and gained clients and she wants to empower others to do the same. Contact Fiyin: Website: www.okikiconsulting.com Email: info@okikiconsulting.com Phone: (306)716-0324 Instagram: @Okikiconsulting Facebook: @Okikiconsulting LinkedIn: https://www.linkedin.com/in/fiyinfoluwaobayan/ Business: https://www.linkedin.com/company/okiki

Turner's Take
Turner’s Take Podcast | Farm Advantage Phone App

Turner's Take

Play Episode Listen Later Mar 17, 2022 7:34


Farm Advantage is a free app and has market quotes, advanced charts, StoneX research and reports, USDA insurance info, BAMWX weather, and cash bids across the nation.

Mortgage Mom Radio - Podcast
Fed Rate Hikes 3/16/22 and beyond!

Mortgage Mom Radio - Podcast

Play Episode Listen Later Mar 17, 2022 67:08


The Federal Reserve announced today that they will be increasing the Federal Reserve Prime Rate, also known as the Fed Funds Rate, but .25%. They expect to increase the interest rate by .25% every 6 weeks until they end the year at a total rate of 1.9. We started off the year at .05 where we have been sitting since April 2020. Prior to March of 2020 the Fed Funds Rate was 1.58. Do you want to understand what this all means to you? How do we expect the future of the real estate market and mortgage rates respond? Additionally on this show, we brought in Michael Mazure with United Capital Group. Michael talked about Hard Money Loans and the loan scenarios that would benefit from hard money lending. This was a great show, a little long, but it had a ton of great content! Check out the Mortgage Mom Radio online merch store! The beer mugs are insane! SHOP NOW Book your free phone consultation today, BOOK NOW We are LIVE on YOUTUBE every Monday and Wednesday @ 1PM PST. Interact with us LIVE while we record! Ask us your questions right in the comments. Mortgage Mom Radio equips you with all the mortgage education that you could ask for right at your fingertips! Listen to our Podcast with hours of shows and topics, download our PHONE APP loaded with every mortgage tool that you could need, and finally, watch our HOMEBUYER WORKSHOP SERIES on YouTube! Debbie Marcoux is licensed by the Department of Financial Protection and Innovations under the California Residential Mortgage Lending Act, NMLS ID 237926, also licensed in AZ-0941504, FL-LO76508, GA-69178, ID-167867, IL-031.0058339, NV-57237, OR, TN-184373, TX, WA-MLO-237926

Okiki Podcast: Making Inspirational People Known
Okiki Podcast Episode 75: Changing the Narrative around autism with Sam Mitchell

Okiki Podcast: Making Inspirational People Known

Play Episode Listen Later Mar 14, 2022 13:35


Sam Mitchell runs a successful podcast called Autism Rocks and Rolls.   His podcast is nearing 7K downloads has featured some big names: Armani Williams, the first NASCAR driver open about having autism, and American Idol Rocker James Durbin who has autism and Tourette's. My biggest guest of all was Dr. Temple Grandin, professor in Animal Science at Colorado State University and autism activist and WWE legend Mick Foley.   He is a motivational speaker, entrepreneur, sells merchandise, has several sponsors, sells ad space, am a (creative writer if creative writing podcast) writer and blogger, and loves to promote his podcast and business. I also have a published TED Talk called Souled Structure. He is a recent high school graduate!   My official website is   He is a high-functioning human being on the autism spectrum, but has a mission: to show people that He is not broken, does not need to be fixed, there is no normal in this world, and I am successful, with autism. He wants to celebrate the successes of all people. He embraces who he is and feels as though everyone should do the same. His mission is powerful and this extraordinary idea is catching on and getting the world's attention.   He has made it to the top 10 in the People's Choice Podcast Awards, placed second in the state of Indiana for the JAG Entrepreneurship project, was selected as the best business at the CEO trade show in Indiana, and is in the top 200 podcasts in all of Canada.   Sam's Resources:  Autismrocksandrolls.com.    https://sites.google.com/egreene.k12.in.us/autismrocksandrolls   OKIKI RESOURCES: Need Brand Photos? Book Here Join the Okiki Video Content Bootcamp Today!   FREEBIES: FREE DOWNLOADABLE PDF: www.okikiconsulting.com/resources My Top 14 Resources for Entrepreneurs and Solopreneurs PDF contains: My Top 4 Free Resources for Creating Content My Top 4 Phone Apps for Creating Video Content My Top 3 Desktop Apps for Creating Video Content My Top 4 Recommended tools for Solopreneurs ABOUT FIYIN: Fiyin Obayan is the founder of Okiki Consulting, where she helps business owners communicate their personal brand or company brand stories through video content, in order to communicate to their target audience.   She has been participating in video storytelling for 9 years starting with her previous Myspace Channel, and to her personal YouTube Channel. As an entrepreneur, She has learned to develop that skill for social media and now specializes in using it for the LinkedIn platform. Through posting regular content from September 2019, She has gone from 1000 connections to 8000 connections on the platforms and gained clients and she wants to empower others to do the same. Contact Fiyin: Website: www.okikiconsulting.com Email: info@okikiconsulting.com Phone: (306)716-0324 Instagram: @Okikiconsulting Facebook: @Okikiconsulting LinkedIn: https://www.linkedin.com/in/fiyinfoluwaobayan/ Business: https://www.linkedin.com/company/okiki

Mortgage Mom Radio - Podcast
Inflation: Tips To Ease The Pain

Mortgage Mom Radio - Podcast

Play Episode Listen Later Mar 11, 2022 36:44


3/9/2022 Inflation Inflation Inflation! Are you tired of hearing that word? Are you tired of feeling the pain of the gas prices, groceries, utilities, all soaring? Well, I can't fix those things but I did give you some tips and tricks to try to reduce your monthly budget in this episode. We all make decisions based on what we can afford. For example, when you buy a new car or a home, you go through your monthly debts, your take home income, your expenses on groceries, utilities, eating out, etc. If your income hasn't changed from what it was when you made those large purchases, you may no longer be able to afford those payments that you signed up for. The only option that you have is to try to bring down the expenses that you can control such as vacations, utilities, and eating out. How do you control your utilities? The gas company, power, water, trash, they aren't going to give you a special deal because your struggling. Listen now to hear mom's tips. Check out the Mortgage Mom Radio online merch store! The beer mugs are insane! SHOP NOW Book your free phone consultation today, BOOK NOW We are LIVE on YOUTUBE every Monday and Wednesday @ 1PM PST. Interact with us LIVE while we record! Ask us your questions right in the comments. Mortgage Mom Radio equips you with all the mortgage education that you could ask for right at your fingertips! Listen to our Podcast with hours of shows and topics, download our PHONE APP loaded with every mortgage tool that you could need, and finally, watch our HOMEBUYER WORKSHOP SERIES on YouTube! Debbie Marcoux is licensed by the Department of Financial Protection and Innovations under the California Residential Mortgage Lending Act, NMLS ID 237926, also licensed in AZ-0941504, FL-LO76508, GA-69178, ID-167867, IL-031.0058339, NV-57237, OR, TN-184373, TX, WA-MLO-237926

Mortgage Mom Radio - Podcast
Should I pay points for a lower interest rate?

Mortgage Mom Radio - Podcast

Play Episode Listen Later Mar 9, 2022 18:27


3/7/2022 Today's title pretty much sums it up. Are you shopping for a new mortgage and you have been presented with an option for a lower interest rate if you pay points? Whether you are buying a house or considering refinancing, you may or may not want to buy points. The best way to understand why you may have to or why you may want or not want to, is to watch today's episode! Check out the Mortgage Mom Radio online merch store! The beer mugs are insane! SHOP NOW Book your free phone consultation today, BOOK NOW We are LIVE on YOUTUBE every Monday and Wednesday @ 1PM PST. Interact with us LIVE while we record! Ask us your questions right in the comments. Mortgage Mom Radio equips you with all the mortgage education that you could ask for right at your fingertips! Listen to our Podcast with hours of shows and topics, download our PHONE APP loaded with every mortgage tool that you could need, and finally, watch our HOMEBUYER WORKSHOP SERIES on YouTube! Debbie Marcoux is licensed by the Department of Financial Protection and Innovations under the California Residential Mortgage Lending Act, NMLS ID 237926, also licensed in AZ-0941504, FL-LO76508, GA-69178, ID-167867, IL-031.0058339, NV-57237, OR, TN-184373, TX, WA-MLO-237926

Okiki Podcast: Making Inspirational People Known
Okiki Podcast Episode 74: Developing as a Leader and Creating Positive Industry Disruption with Kison Patel

Okiki Podcast: Making Inspirational People Known

Play Episode Listen Later Mar 7, 2022 28:19


Kison Patel is the Founder and CEO of M&A Science, with a passion to drive the M&A industry forward. He was an M&A advisor for ten years in which he sold larger companies such as commercial banks and hotel chains. In 2012, he noticed teams lacked efficient technology to manage deals and created DealRoom, an M&A lifecycle management platform. In 2016, he started the M&A Science podcast devoting his time to creating a platform where all the best practitioners could share their best practices and lessons learned from real-life deals. Kison then created The M&A Science Academy in 2020 to offer step-by-step training to those looking to master M&A featuring courses created by top-level practitioners. Through developing technology, educational content, and industry training, Kison aims to bring better practices to an industry with growing market pressures, transaction values, and competition.   Kison's Resources:  http://mascience.com/newsletter-signup   OKIKI RESOURCES: Need Brand Photos? Book Here Join the Okiki Video Content Bootcamp Today!   FREEBIES: FREE DOWNLOADABLE PDF: www.okikiconsulting.com/resources My Top 14 Resources for Entrepreneurs and Solopreneurs PDF contains: My Top 4 Free Resources for Creating Content My Top 4 Phone Apps for Creating Video Content My Top 3 Desktop Apps for Creating Video Content My Top 4 Recommended tools for Solopreneurs ABOUT FIYIN: Fiyin Obayan is the founder of Okiki Consulting, where she helps business owners communicate their personal brand or company brand stories through video content, in order to communicate to their target audience.   She has been participating in video storytelling for 9 years starting with her previous Myspace Channel, and to her personal YouTube Channel. As an entrepreneur, She has learned to develop that skill for social media and now specializes in using it for the LinkedIn platform. Through posting regular content from September 2019, She has gone from 1000 connections to 8000 connections on the platforms and gained clients and she wants to empower others to do the same. Contact Fiyin: Website: www.okikiconsulting.com Email: info@okikiconsulting.com Phone: (306)716-0324 Instagram: @Okikiconsulting Facebook: @Okikiconsulting LinkedIn: https://www.linkedin.com/in/fiyinfoluwaobayan/ Business: https://www.linkedin.com/company/okiki

Mortgage Mom Radio - Podcast
1031 Exchange: Avoid Capital Gains

Mortgage Mom Radio - Podcast

Play Episode Listen Later Mar 4, 2022 40:31


3/4/2022 1031 Exchange transactions are very common among investors who have rental properties and chose to sell. Unless you have occupied the property for a minimum of two years out of the last five years, you will pay capital gains. The only way to avoid capital gains is to roll over the proceeds to a new investment property. Rolling over the proceeds from one investment to another is called a 1031 Exchange. There are many rules around the 1031 Exchange process. We touch on many of those rules today but to learn more or to get your questions answered on this topic, schedule yourself a free phone consultation. We will discuss your personal scenario with you and get you moving in the right direction. Check out the Mortgage Mom Radio online merch store! The beer mugs are insane! SHOP NOW Book your free phone consultation today, BOOK NOW We are LIVE on YOUTUBE every Monday and Wednesday @ 1PM PST. Interact with us LIVE while we record! Ask us your questions right in the comments. Mortgage Mom Radio equips you with all the mortgage education that you could ask for right at your fingertips! Listen to our Podcast with hours of shows and topics, download our PHONE APP loaded with every mortgage tool that you could need, and finally, watch our HOMEBUYER WORKSHOP SERIES on YouTube! Debbie Marcoux is licensed by the Department of Financial Protection and Innovations under the California Residential Mortgage Lending Act, NMLS ID 237926, also licensed in AZ-0941504, FL-LO76508, GA-69178, ID-167867, IL-031.0058339, NV-57237, OR, TN-184373, TX, WA-MLO-237926

Mortgage Mom Radio - Podcast
Bridge Loans – Buy Now Sell Later

Mortgage Mom Radio - Podcast

Play Episode Listen Later Feb 28, 2022 32:11


2/28/2022 Were you wondering if it is possible to take cash out of your home so that you can buy a new home, move, renovate, and then sell? Today I gave you 4 different options that are available to make that happen. Check out the Mortgage Mom Radio online merch store! The beer mugs are insane! SHOP NOW Book your free phone consultation today, BOOK NOW We are LIVE on YOUTUBE every Monday and Wednesday @ 1PM PST. Interact with us LIVE while we record! Ask us your questions right in the comments. Mortgage Mom Radio equips you with all the mortgage education that you could ask for right at your fingertips! Listen to our Podcast with hours of shows and topics, download our PHONE APP loaded with every mortgage tool that you could need, and finally, watch our HOMEBUYER WORKSHOP SERIES on YouTube! Debbie Marcoux is licensed by the Department of Financial Protection and Innovations under the California Residential Mortgage Lending Act, NMLS ID 237926, also licensed in AZ-0941504, FL-LO76508, GA-69178, ID-167867, IL-031.0058339, NV-57237, OR, TN-184373, TX, WA-MLO-237926

Okiki Podcast: Making Inspirational People Known
Okiki Porcast Episode 73: How to Diversify Your Income: The real truth behind the shifts needed to create a powerful business and leave your 9-5 with Grace Nelson - Black History Month Series

Okiki Podcast: Making Inspirational People Known

Play Episode Listen Later Feb 28, 2022 27:17


Grace Nelson is a business coach, specializing in supporting women in corporate start their online business from scratch, make their first 1K months online before going on to 10x their income with the exact same system, without having to leave your 9-5! Grace believes that it is simply not okay to be stuck in a job where you are not living up to your full potential and you know deep down that you're capable of so much more. She has over a decade worth of business experience and understands what it's like to have an idea you're passionate about but not knowing how to make it a profitable reality, so you can have a reliable income other than your job. She's also the co-founder of Think. Create. Initiate ™ method, a proven pathway of success for those that wish to start up their online business from scratch alongside a 9-5, having no prior business. She has over a decade of small business experience and has helped hundreds of women clarify their business idea and get their first few paid clients online. Her success portfolio also extends to working with micro-enterprises, SMEs, Universities, and large corporate organizations worldwide like “The Google Campus” to deliver bespoke business startup workshops. Grace is also a co-host of the popular podcast show Think Create Initiate. Last year during all the craziness happening in the world, Grace became a new mum to her beautiful daughter Eliza-Rae who is now 18 months old, and scaled her business to £18K months, whilst still in a 9-5. Grace's Resource: https://graceandcharlotte.com/free-resources   OKIKI RESOURCES: Need Brand Photos? Book Here Join the Okiki Video Content Bootcamp Today!   FREEBIES: FREE DOWNLOADABLE PDF: www.okikiconsulting.com/resources My Top 14 Resources for Entrepreneurs and Solopreneurs PDF contains: My Top 4 Free Resources for Creating Content My Top 4 Phone Apps for Creating Video Content My Top 3 Desktop Apps for Creating Video Content My Top 4 Recommended tools for Solopreneurs ABOUT FIYIN: Fiyin Obayan is the founder of Okiki Consulting, where she helps business owners communicate their personal brand or company brand stories through video content, in order to communicate to their target audience.   She has been participating in video storytelling for 9 years starting with her previous Myspace Channel, and to her personal YouTube Channel. As an entrepreneur, She has learned to develop that skill for social media and now specializes in using it for the LinkedIn platform. Through posting regular content from September 2019, She has gone from 1000 connections to 8000 connections on the platforms and gained clients and she wants to empower others to do the same. Contact Fiyin: Website: www.okikiconsulting.com Email: info@okikiconsulting.com Phone: (306)716-0324 Instagram: @Okikiconsulting Facebook: @Okikiconsulting LinkedIn: https://www.linkedin.com/in/fiyinfoluwaobayan/ Business: https://www.linkedin.com/company/okiki

Mortgage Mom Radio - Podcast
Rent vs. Own – Should you keep looking or are you priced out?

Mortgage Mom Radio - Podcast

Play Episode Listen Later Feb 25, 2022 50:47


2/24/2022 During this weeks episode I focused on Rent vs. Own. With property values increasing, interest rates increasing, and inventory becoming even lower than it has been over the last few years, many of my clients have started to believe that they are priced out of the market and they should put their home buying plans on hold. This couldn't be further from the truth. Today I touched on all of those questions including, current rents, future rent values, as well as interest rates, monthly payments, and more. First time buyers and future/current owners of rental investment properties will all benefit from this information. Don't miss out on another great Mortgage Mom Radio episode! Check out the Mortgage Mom Radio online merch store! The beer mugs are insane! SHOP NOW Book your free phone consultation today, BOOK NOW We are LIVE on YOUTUBE every Monday and Wednesday @ 1PM PST. Interact with us LIVE while we record! Ask us your questions right in the comments. Mortgage Mom Radio equips you with all the mortgage education that you could ask for right at your fingertips! Listen to our Podcast with hours of shows and topics, download our PHONE APP loaded with every mortgage tool that you could need, and finally, watch our HOMEBUYER WORKSHOP SERIES on YouTube! Debbie Marcoux is licensed by the Department of Financial Protection and Innovations under the California Residential Mortgage Lending Act, NMLS ID 237926, also licensed in AZ-0941504, FL-LO76508, GA-69178, ID-167867, IL-031.0058339, NV-57237, OR, TN-184373, TX, WA-MLO-237926

Okiki Podcast: Making Inspirational People Known
Okiki Podcast Episode 72: From the Med School track to running a successful Consulting firm, How Jumi Aluko found her purpose in communications and event planning.

Okiki Podcast: Making Inspirational People Known

Play Episode Listen Later Feb 21, 2022 29:36


Based out of Los Angeles, California, Jumi Aluko is a strategic marketing communications strategist with a whole lot of love to offer the world! With over 10 years experience managing communications projects, planning events, and connecting people, Jumi works to create ongoing opportunities for passionate, hardworking individuals to get steady and consistent awareness around the work they are doing - work that is making a powerful impact on individuals and communities around the globe. Jumi's consulting services have been used to execute major event productions for Nike, LA Fashion Week, and the Miss Black USA Pageant; brand management work for fast growing small businesses; plus strategic marketing communications for nonprofit organizations in the arts, entertainment, and healthcare spaces. Jumi's passion is helping and empowering people and through her online platform, she educates, inspires, and motivates people worldwide to be the best they can be.  In addition to managing JAC, Jumi serves as a member on the Board of Directors at the Los Angeles Music and Arts School in East Los Angeles. Prior to moving to Los Angeles, Jumi's volunteer work included time at children's hospitals, youth after-school and summer programs, and community food banks. Jumi has a BS in Kinesiology from the University of Maryland College Park School of Public Health and a Masters in Health Administration (MHA) from George Washington University Milken School of Public Health. When she's not busy seeking new music to listen to or playing her heart out on her piano, you'll most likely find her working tirelessly to maintain her upbeat career as a connector, relationship builder, strategic thinker, and visionary in the heart of California. Even though she's still actively learning Spanish, she won't mince words when it comes to painting, traveling, or trying out new recipes in the kitchen!  Want to stay connected with Jumi? Follow her online! Twitter: @jumialuko Facebook: @jumialukoconsulting Instagram: @jumialukoconsulting LinkedIn: Jumi Aluko   OKIKI RESOURCES: Need Brand Photos? Book Here Join the Okiki Video Content Bootcamp Today!   FREEBIES: FREE DOWNLOADABLE PDF: www.okikiconsulting.com/resources My Top 14 Resources for Entrepreneurs and Solopreneurs PDF contains: My Top 4 Free Resources for Creating Content My Top 4 Phone Apps for Creating Video Content My Top 3 Desktop Apps for Creating Video Content My Top 4 Recommended tools for Solopreneurs ABOUT FIYIN: Fiyin Obayan is the founder of Okiki Consulting, where she helps business owners communicate their personal brand or company brand stories through video content, in order to communicate to their target audience.   She has been participating in video storytelling for 9 years starting with her previous Myspace Channel, and to her personal YouTube Channel. As an entrepreneur, She has learned to develop that skill for the social media and now specialized in using it for the LinkedIn platform. Through posting regular content from September 2019, She has gone from 1000 connections to 8000 connections on the platforms and gained clients and she wants to empower others to do the same. Contact Fiyin: Website: www.okikiconsulting.com Email: info@okikiconsulting.com Phone: (306)716-0324 Instagram: @Okikiconsulting Facebook: @Okikiconsulting LinkedIn: https://www.linkedin.com/in/fiyinfoluwaobayan/ Business: https://www.linkedin.com/company/okiki

Okiki Podcast: Making Inspirational People Known
Okiki Podcast Episode 71: Creating representation through Tech with Faith Olanipekun - Black History Month Series

Okiki Podcast: Making Inspirational People Known

Play Episode Listen Later Feb 15, 2022 22:11


Faith is a CPA and tech founder of the tech company Nylut. Nylut is a location-based directory that will be curated just for BIPOC people so Black or Brown persons will have access to a list of service providers that can work on their skin type and hair type and can also see reviews done by other people that have frequented the service provider.   OKIKI RESOURCES: Need Brand Photos? Book Here Join the Okiki Video Content Bootcamp Today!   FREEBIES: FREE DOWNLOADABLE PDF: www.okikiconsulting.com/resources My Top 14 Resources for Entrepreneurs and Solopreneurs PDF contains: My Top 4 Free Resources for Creating Content My Top 4 Phone Apps for Creating Video Content My Top 3 Desktop Apps for Creating Video Content My Top 4 Recommended tools for Solopreneurs ABOUT FIYIN: Fiyin Obayan is the founder of Okiki Consulting, where she helps business owners communicate their personal brand or company brand stories through video content, in order to communicate to their target audience.   She has been participating in video storytelling for 9 years starting with her previous Myspace Channel, and to her personal YouTube Channel. As an entrepreneur, She has learned to develop that skill for the social media and now specialized in using it for the LinkedIn platform. Through posting regular content from September 2019, She has gone from 1000 connections to 8000 connections on the platforms and gained clients and she wants to empower others to do the same. Contact Fiyin: Website: www.okikiconsulting.com Email: info@okikiconsulting.com Phone: (306)716-0324 Instagram: @Okikiconsulting Facebook: @Okikiconsulting LinkedIn: https://www.linkedin.com/in/fiyinfoluwaobayan/ Business: https://www.linkedin.com/company/okiki

Mortgage Mom Radio - Podcast
The Great Migration with Chris Lechner of Global Point Relocation Services

Mortgage Mom Radio - Podcast

Play Episode Listen Later Feb 11, 2022 33:08


2/9/2022 Today we had Chris Lechner, Broker/Owner of Global Point Relocation Services on the show. He is an expert in the relocation field being immersed daily with corporate relocation clients for very large corporations such as Northrup Grumman.   Chris gave us detailed information about the relocation process and tips to reduce the stress level when trying to sell your home in one state to move to another. Check out the Mortgage Mom Radio online merch store! The beer mugs are insane! SHOP NOW Book your free phone consultation today, BOOK NOW We are LIVE on YOUTUBE every Monday and Wednesday @ 1PM PST. Interact with us LIVE while we record! Ask us your questions right in the comments. Mortgage Mom Radio equips you with all the mortgage education that you could ask for right at your fingertips! Listen to our Podcast with hours of shows and topics, download our PHONE APP loaded with every mortgage tool that you could need, and finally, watch our HOMEBUYER WORKSHOP SERIES on YouTube! Debbie Marcoux is licensed by the Department of Financial Protection and Innovations under the California Residential Mortgage Lending Act, NMLS ID 237926, also licensed in AZ-0941504, FL-LO76508, GA-69178, ID-167867, IL-031.0058339, NV-57237, OR, TN-184373, TX, WA-MLO-237926

Mortgage Mom Radio - Podcast
Do you want to relocate out of state?

Mortgage Mom Radio - Podcast

Play Episode Listen Later Feb 10, 2022 26:14


2/9/2022 Are you relocating to another state? Today we talked about tips and tricks for your long haul move. We are your one stop shop for a referral to a realtor to sell your home, where you live today, and buy your next home, in your new city. We are also licensed in many states and will help you to obtain your pre-approval for your purchase. We can help you in CA, AZ, WA, OR, ID, NV, TX, IL, GA, TN, and FL. HI and CO are just around the corner. We will continue to add more as quickly as we can. Don't miss our show tomorrow as we continue to discuss relocation. I will be talking with Chris Lechner, Managing Broker/Owner of Global Point Relocation. Working with relocation on a daily basis I can't wait for the education that he will bring to us tomorrow! Check out the Mortgage Mom Radio online merch store! The beer mugs are insane! SHOP NOW Book your free phone consultation today, BOOK NOW We are LIVE on YOUTUBE every Monday and Wednesday @ 1PM PST. Interact with us LIVE while we record! Ask us your questions right in the comments. Mortgage Mom Radio equips you with all the mortgage education that you could ask for right at your fingertips! Listen to our Podcast with hours of shows and topics, download our PHONE APP loaded with every mortgage tool that you could need, and finally, watch our HOMEBUYER WORKSHOP SERIES on YouTube! Debbie Marcoux is licensed by the Department of Financial Protection and Innovations under the California Residential Mortgage Lending Act, NMLS ID 237926, also licensed in AZ-0941504, FL-LO76508, GA-69178, ID-167867, IL-031.0058339, NV-57237, OR, TN-184373, TX, WA-MLO-237926

Okiki Podcast: Making Inspirational People Known
Okiki Podcast Episode 70: Overcoming Coming Challenges and Reaching New Heights with Christopher Powell - Black History Month Series

Okiki Podcast: Making Inspirational People Known

Play Episode Listen Later Feb 7, 2022 25:45


Christopher Powell is a groundbreaking mathematician, businessman, and motivational speaker… with cerebral palsy. He is the working embodiment of extraordinary determination despite tremendous odds. His humorous, insightful stories of personal triumph over a lifetime of heartbreaking disability show others how they can overcome the challenges by turning negatives into positives.   One of America's top emerging disability awareness speakers, Chris is founder and president of Reaching New Heights, LLC and Math Tutoring Experts, LLC. For over 20 years as Coordinator of the Mathematics Learning Center at Montgomery College(Takoma Park/Silver Spring), he has inspired thousands of students to reach beyond their limits. Chris holds a Bachelors degree in Mathematics from the University of Maryland, where he was also awarded the Dean's Award for Academic Achievement. The moment he enters the room, Chris breaks down barriers of seemingly insurmountable despondency, apathy, and even shame. With disarming honesty and passion, he speaks about celebrating small victories, encouraging people from all walks of life to find the gifts within their challenges.   Christopher combines the lessons he's learned about living with cerebral palsy with wisdom about being positive and flexible in business and in life. His keynotes teach audiences how to:   Develop well thought-out plans. Execute plans with determination. Develop a high level of resilience. Engage life with love and vigor.   Despite the overwhelming obstacles that he has faced learning to independently stand, bathe, eat, walk, write, speak publicly, earn degrees and accolades - even run competitively - Christopher Powell continues to persevere.   Chris is currently finishing a book entitled, "Overcoming Challenges in the Four Phases of Life - Success Strategies from Top Leaders and Entrepreneurs - Volume 1 - African-American Edition" which will be released in January 2022   OKIKI RESOURCES: Need Brand Photos? Book Here Join the Okiki Video Content Bootcamp Today!   FREEBIES: FREE DOWNLOADABLE PDF: www.okikiconsulting.com/resources My Top 14 Resources for Entrepreneurs and Solopreneurs PDF contains: My Top 4 Free Resources for Creating Content My Top 4 Phone Apps for Creating Video Content My Top 3 Desktop Apps for Creating Video Content My Top 4 Recommended tools for Solopreneurs ABOUT FIYIN: Fiyin Obayan is the founder of Okiki Consulting, where she helps business owners communicate their personal brand or company brand stories through video content, in order to communicate to their target audience.   She has been participating in video storytelling for 9 years starting with her previous Myspace Channel, and to her personal YouTube Channel. As an entrepreneur, She has learned to develop that skill for the social media and now specialized in using it for the LinkedIn platform. Through posting regular content from September 2019, She has gone from 1000 connections to 8000 connections on the platforms and gained clients and she wants to empower others to do the same. Contact Fiyin: Website: www.okikiconsulting.com Email: info@okikiconsulting.com Phone: (306)716-0324 Instagram: @Okikiconsulting Facebook: @Okikiconsulting LinkedIn: https://www.linkedin.com/in/fiyinfoluwaobayan/ Business: https://www.linkedin.com/company/okiki

Mortgage Mom Radio - Podcast
Yes, you can use Bitcoin to buy your home!

Mortgage Mom Radio - Podcast

Play Episode Listen Later Feb 7, 2022 29:52


Today's episode was a re-cap of our live seminar on Saturday 1/29/2022, as well as our interview with CryptoWendyO on Monday, 1/31/2022. The short story, Yes, we can use your Bitcoin and Crypto assets for your home purchase, closing costs, down payment, and reserves. Do you want to use your crypto assets and you have been told that you cannot? Give us a call, 844-935-3634! This is a nice consolidation episode of the information received during the hour and half episode on Saturday and the hour long episode on Monday. We covered detailed information about what is Bitcoin, Wallet, Exchange, How do you buy, etc. Then on Monday, we went even deeper and more technical into the Metaverse, buying real estate in the Metaverse, and Web3. Check out the Mortgage Mom Radio online merch store! The beer mugs are insane! SHOP NOW Book your free phone consultation today, BOOK NOW We are LIVE on YOUTUBE every Monday and Wednesday @ 1PM PST. Interact with us LIVE while we record! Ask us your questions right in the comments. Mortgage Mom Radio equips you with all the mortgage education that you could ask for right at your fingertips! Listen to our Podcast with hours of shows and topics, download our PHONE APP loaded with every mortgage tool that you could need, and finally, watch our HOMEBUYER WORKSHOP SERIES on YouTube! Debbie Marcoux is licensed by the Department of Financial Protection and Innovations under the California Residential Mortgage Lending Act, NMLS ID 237926, also licensed in AZ-0941504, FL-LO76508, GA-69178, ID-167867, IL-031.0058339, NV-57237, OR, TN-184373, TX, WA-MLO-237926

Okiki Podcast: Making Inspirational People Known
Okiki Podcast Episode 69: Meet the first black Canadian winner of Big Brother Canada, Tychon Carter-Newman - Black History Month Series

Okiki Podcast: Making Inspirational People Known

Play Episode Listen Later Feb 4, 2022 18:03


Tychon Carter-Newman's debut as a public figure stemmed from being crowned as the winner of Big Brother Canada Season 9. As the first black winner of the series, He wants to use his platform to make a positive difference in the world.   His life's work has been dedicated to Community Building, mostly as an Urban Planner, Basketball Coach, and Youth Program Director. Through being an Ambassador for Diversity and Inclusion, Mental Health, Education, and Active Living, he believes he can help be part of the change he'd like to see in today's world.   Motivational speaking is the vehicle he uses to inspire, empower and advocate for change. Through storytelling, humor, and engagement he is able to connect with his audience in the aspiration of helping people reach their potential.   Tychon's Resources: Youtube: https://www.youtube.com/channel/UC24hEUtid_w8fyrG3kS2Idg TikTok: https://www.tiktok.com/@tychoncarter Website: https://www.tychoncarter.com/ Instagram: https://www.instagram.com/tychonxcarter/?hl=en   OKIKI RESOURCES: Need Brand Photos? Book Here Join the Okiki Video Content Bootcamp Today!   FREEBIES: FREE DOWNLOADABLE PDF: www.okikiconsulting.com/resources My Top 14 Resources for Entrepreneurs and Solopreneurs PDF contains: My Top 4 Free Resources for Creating Content My Top 4 Phone Apps for Creating Video Content My Top 3 Desktop Apps for Creating Video Content My Top 4 Recommended tools for Solopreneurs ABOUT FIYIN: Fiyin Obayan is the founder of Okiki Consulting, where she helps business owners communicate their personal brand or company brand stories through video content, in order to communicate to their target audience.   She has been participating in video storytelling for 9 years starting with her previous Myspace Channel, and to her personal YouTube Channel. As an entrepreneur, She has learned to develop that skill for the social media and now specialized in using it for the LinkedIn platform. Through posting regular content from September 2019, She has gone from 1000 connections to 8000 connections on the platforms and gained clients and she wants to empower others to do the same. Contact Fiyin: Website: www.okikiconsulting.com Email: info@okikiconsulting.com Phone: (306)716-0324 Instagram: @Okikiconsulting Facebook: @Okikiconsulting LinkedIn: https://www.linkedin.com/in/fiyinfoluwaobayan/ Business: https://www.linkedin.com/company/okiki

Mortgage Mom Radio - Podcast
Buying your home w Crypto! Special Guests CryptoWendyO & Tony Cuda – VP of Financing @ JMJ Financial

Mortgage Mom Radio - Podcast

Play Episode Listen Later Feb 4, 2022 59:07


The mortgage industry has been making progress in utilizing Bitcoin for down payment and closing costs. Many loans require reserves and we are looking forward to utilizing Bitcoin for those requirements as well. Today's show will be with CryptoWendyO and Tony Cuda, VP of Financing at JMJ Financial. He will be answering all of Wendy's tough questions and explaining the programs that we have available from Fannie Mae/Freddie Mac products to Portfolio lenders and how we can utilize your Bitcoin! Are there lenders that will not require liquidation? Why yes there are! We will then jump into education by CryptoWendyO to explain the Metaverse and purchasing Real Estate in the new world! I am looking forward to an exciting episode of Mortgage Mom Radio! Check out the Mortgage Mom Radio online merch store! The beer mugs are insane! SHOP NOW Book your free phone consultation today, BOOK NOW We are LIVE on YOUTUBE every Monday and Wednesday @ 1PM PST. Interact with us LIVE while we record! Ask us your questions right in the comments. Mortgage Mom Radio equips you with all the mortgage education that you could ask for right at your fingertips! Listen to our Podcast with hours of shows and topics, download our PHONE APP loaded with every mortgage tool that you could need, and finally, watch our HOMEBUYER WORKSHOP SERIES on YouTube! Debbie Marcoux is licensed by the Department of Financial Protection and Innovations under the California Residential Mortgage Lending Act, NMLS ID 237926, also licensed in AZ-0941504, FL-LO76508, GA-69178, ID-167867, IL-031.0058339, NV-57237, OR, TN-184373, TX, WA-MLO-237926

Mortgage Mom Radio - Podcast
Beginners guide to Crypto, Bitcoin, Wallets, and Exchanges! Live Seminar!

Mortgage Mom Radio - Podcast

Play Episode Listen Later Feb 2, 2022 88:45


Have you been thinking about buying Bitcoin and have no idea what it is, not sure where to start? What's the wallet that you hear about? Do you need an exchange? What the heck is that? We're going to take you through the basics to get you acquainted. Check out the Mortgage Mom Radio online merch store! The beer mugs are insane! SHOP NOW Book your free phone consultation today, BOOK NOW We are LIVE on YOUTUBE every Monday and Wednesday @ 1PM PST. Interact with us LIVE while we record! Ask us your questions right in the comments. Mortgage Mom Radio equips you with all the mortgage education that you could ask for right at your fingertips! Listen to our Podcast with hours of shows and topics, download our PHONE APP loaded with every mortgage tool that you could need, and finally, watch our HOMEBUYER WORKSHOP SERIES on YouTube! Debbie Marcoux is licensed by the Department of Financial Protection and Innovations under the California Residential Mortgage Lending Act, NMLS ID 237926, also licensed in AZ-0941504, FL-LO76508, GA-69178, ID-167867, IL-031.0058339, NV-57237, OR, TN-184373, TX, WA-MLO-237926

Mortgage Mom Radio - Podcast
Are you ready to file your 2022 tax returns? Did you get stimulus in 2022? Child Tax Credits?

Mortgage Mom Radio - Podcast

Play Episode Listen Later Jan 28, 2022 32:11


1/26/2022 We are back in tax season again; does it ever end! I feel like we were just here a few months ago. What is important this year to keep your eye on? Did you receive any stimulus payments? Did you receive any child tax payments? If you receive any letters at all in the mail from the IRS about payments that you received, make sure to keep copies of those letters and provide them to your tax preparer.  Today we had Denise Taylor, our Tax Grandma on the show. She talked to us about your online IRS account and the new iD.me that you must verify through to get to your account. She also talked about what you need to do with those letters, what do you do if the letters show income that you did not receive.  This was a very beneficial episode for everyone, whether you are a homeowner or not. I would highly recommend tuning in. Mortgage Mom Radio is here to help educate you on anything that could impact you or your ability to purchase a home or refinance a home. Your tax returns are an essential part.  Check out the Mortgage Mom Radio online merch store! The beer mugs are insane! SHOP NOW Book your free phone consultation today, BOOK NOW We are LIVE on YOUTUBE every Monday and Wednesday @ 1PM PST. Interact with us LIVE while we record! Ask us your questions right in the comments. Mortgage Mom Radio equips you with all the mortgage education that you could ask for right at your fingertips! Listen to our Podcast with hours of shows and topics, download our PHONE APP loaded with every mortgage tool that you could need, and finally, watch our HOMEBUYER WORKSHOP SERIES on YouTube! Debbie Marcoux is licensed by the Department of Financial Protection and Innovations under the California Residential Mortgage Lending Act, NMLS ID 237926, also licensed in AZ-0941504, FL-LO76508, GA-69178, ID-167867, IL-031.0058339, NV-57237, OR, TN-184373, TX, WA-MLO-237926

Okiki Podcast: Making Inspirational People Known
Okiki Podcast Episode 68: What is the Great Resignation and what does it have to do with finding your WHY?

Okiki Podcast: Making Inspirational People Known

Play Episode Listen Later Jan 26, 2022 11:57


OKIKI RESOURCES: Need Brand Photos? Book Here Join the Okiki Video Content Bootcamp Today!   FREEBIES: FREE DOWNLOADABLE PDF: www.okikiconsulting.com/resources My Top 14 Resources for Entrepreneurs and Solopreneurs PDF contains: My Top 4 Free Resources for Creating Content My Top 4 Phone Apps for Creating Video Content My Top 3 Desktop Apps for Creating Video Content My Top 4 Recommended tools for Solopreneurs ABOUT FIYIN: Fiyin Obayan is the founder of Okiki Consulting, where she helps business owners communicate their personal brand or company brand stories through video content, in order to communicate to their target audience.   She has been participating in video storytelling for 9 years starting with her previous Myspace Channel, and to her personal YouTube Channel. As an entrepreneur, She has learned to develop that skill for the social media and now specialized in using it for the LinkedIn platform. Through posting regular content from September 2019, She has gone from 1000 connections to 8000 connections on the platforms and gained clients and she wants to empower others to do the same. Contact Fiyin: Website: www.okikiconsulting.com Email: info@okikiconsulting.com Phone: (306)716-0324 Instagram: @Okikiconsulting Facebook: @Okikiconsulting LinkedIn: https://www.linkedin.com/in/fiyinfoluwaobayan/ Business: https://www.linkedin.com/company/okiki

Mortgage Mom Radio - Podcast
W-2’s and Paystubs

Mortgage Mom Radio - Podcast

Play Episode Listen Later Jan 24, 2022


It's that time again!! You should be receiving your W-2's in the mail any day! I found a funny meme the other day that was quite true for many. It said, you can easily find a picture from 10 years ago to participate in the then and now photos on Facebook but you can't find last years W-2 when your loan officer requests it...lol W-2's are very important. If you are not self employed or own investment properties, then the Federal and State tax returns that you file are not necessary when completing your home loan application. What is important are your W-2's. If you are self employed and issue yourself a W-2, both the tax returns and the W-2's are required. Please make sure that you scan them and save them to your computer or in the cloud where you will easily be able to access them. Furthermore, your final pay stubs from each year are very important as well. Who would think that the final pay stub received each year should be kept with the copy of your W-2? Most wouldn't even think to do that. Why do we need them, why are they important? If you receive Bonus income, Overtime, Commission, shift differential, or any other variable payments as part of your annual salary, we need to be able to see the breakdown. We need a two year history, and we need to calculate the average. If we need to order this information from your employer, it can take days sometimes week to receive what we need. If you keep those pay stubs somewhere safe and easy to get to, when we ask for them, you can send them over and we can quickly calculate your income and give you the approval that you are looking for. Next week, Wednesday, January 26th, 2022, we will have Denise Taylor our Tax Grandma back on the show. It's 2022 and tax season opens up on January 24th for filing. Are you ready? Do you own a home? Is your CPA telling you that you need deductions? Don't miss next weeks episode where she will provide us any updates that we need to be aware of tips and tricks for a successful filing year. How do you watch the show live and ask your questions? Text "MOM" to 844-935-3634. You will receive a link by text just minutes before we get started. You will be able to watch us stream the show live right through YouTube and ask your questions in the comments box. Or Subscribe to our channel. Just search, Mortgage Mom Radio, and make sure to turn on your notifications. Check out the Mortgage Mom Radio online merch store! The beer mugs are insane! SHOP NOW Book your free phone consultation today, BOOK NOW We are LIVE on YOUTUBE every Wednesday @ 1PM PST. Interact with us LIVE while we record! Ask us your questions right in the comments. Mortgage Mom Radio equips you with all the mortgage education that you could ask for right at your fingertips! Listen to our Podcast with hours of shows and topics, download our PHONE APP loaded with every mortgage tool that you could need, and finally, watch our HOMEBUYER WORKSHOP SERIES on YouTube! Debbie Marcoux is licensed by the Department of Financial Protection and Innovations under the California Residential Mortgage Lending Act, NMLS ID 237926, also licensed in AZ-0941504, FL-LO76508, GA-69178, ID-167867, IL-031.0058339, NV-57237, OR, TN-184373, TX, WA-MLO-237926

Mortgage Mom Radio - Podcast
Do you still qualify?

Mortgage Mom Radio - Podcast

Play Episode Listen Later Jan 20, 2022 21:01


The Federal Reserve has announced that they plan to increase the prime rate at least 3 times possibly 4 in 2022. We have already seen rate increases of approximately .75% on most loan products since the end of December 2021. If you are a buyer looking to purchase a home, this could drastically change how much that you qualify for. It is very important that you reach out to your loan officer or even possibly re-start your loan application for an updated qualification number. If you have been thinking about making a change to a new lender, this would be the time. Reach out to us today to see what we can do for you and please make sure that the numbers you were planning on are still available to you. Don't waste your time or your realtors time and don't fall in love with a home to be disappointed later. Check out the Mortgage Mom Radio online merch store! The beer mugs are insane! SHOP NOW Book your free phone consultation today, BOOK NOW We are LIVE on YOUTUBE every Wednesday @ 1PM PST. Interact with us LIVE while we record! Ask us your questions right in the comments or call in and you will be patched through to the studio. Text "MOM" to 844-935-3634 for a weekly link to join when we get started. Mortgage Mom Radio equips you with all the mortgage education that you could ask for right at your fingertips! Listen to our Podcast with hours of shows and topics, download our PHONE APP loaded with every mortgage tool that you could need, and finally, watch our HOMEBUYER WORKSHOP SERIES on YouTube! Debbie Marcoux is licensed by the Department of Financial Protection and Innovations under the California Residential Mortgage Lending Act, NMLS ID 237926, also licensed in AZ-0941504, FL-LO76508, GA-69178, ID-167867, IL-031.0058339, NV-57237, OR, TN-184373, TX, WA-MLO-237926

Okiki Podcast: Making Inspirational People Known
Okiki Podcast Episode 67: The Anti-New Years Resolution and Why Systems are better than goals

Okiki Podcast: Making Inspirational People Known

Play Episode Listen Later Jan 17, 2022 16:33


OKIKI RESOURCES: Need Brand Photos? Book Here Join the Okiki Video Content Bootcamp Today!   FREEBIES: FREE DOWNLOADABLE PDF: www.okikiconsulting.com/resources My Top 14 Resources for Entrepreneurs and Solopreneurs PDF contains: My Top 4 Free Resources for Creating Content My Top 4 Phone Apps for Creating Video Content My Top 3 Desktop Apps for Creating Video Content My Top 4 Recommended tools for Solopreneurs ABOUT FIYIN: Fiyin Obayan is the founder of Okiki Consulting, where she helps business owners communicate their personal brand or company brand stories through video content, in order to communicate to their target audience.   She has been participating in video storytelling for 9 years starting with her previous Myspace Channel, and to her personal YouTube Channel. As an entrepreneur, She has learned to develop that skill for the social media and now specialized in using it for the LinkedIn platform. Through posting regular content from September 2019, She has gone from 1000 connections to 8000 connections on the platforms and gained clients and she wants to empower others to do the same. Contact Fiyin: Website: www.okikiconsulting.com Email: info@okikiconsulting.com Phone: (306)716-0324 Instagram: @Okikiconsulting Facebook: @Okikiconsulting LinkedIn: https://www.linkedin.com/in/fiyinfoluwaobayan/ Business: https://www.linkedin.com/company/okiki

Mortgage Mom Radio - Podcast

Have you looked at your credit card statement's recently? Many American's do not look at their credit card statements. As a matter of fact, most don't have any idea how much that they are paying in interest or what the interest rate is for the balances that they carry. Have you looked at yours? What are the options available to pay those debts off ? Do you own a home? The answer is different for those who do not own homes and for those who do? There are options for both homeowners with equity and those homeowners and non-homeowners who need to get the finances under control. Tune in to this episode to learn what you can do if you charged those cards up over the holiday and it's time to start paying the piper! Check out the Mortgage Mom Radio online merch store! The beer mugs are insane! SHOP NOW Book your free phone consultation today, BOOK NOW We are LIVE on YOUTUBE every Wednesday @ 1PM PST. Interact with us LIVE while we record! Ask us your questions right in the comments or call in and you will be patched through to the studio. Text "MOM" to 844-935-3634 for a weekly link to join when we get started. Mortgage Mom Radio equips you with all the mortgage education that you could ask for right at your fingertips! Listen to our Podcast with hours of shows and topics, download our PHONE APP loaded with every mortgage tool that you could need, and finally, watch our HOMEBUYER WORKSHOP SERIES on YouTube! Debbie Marcoux is licensed by the Department of Financial Protection and Innovations under the California Residential Mortgage Lending Act, NMLS ID 237926, also licensed in AZ-0941504, FL-LO76508, GA-69178, ID-167867, IL-031.0058339, NV-57237, OR, TN-184373, TX, WA-MLO-237926

Mortgage Mom Radio - Podcast
Home Solar – Lease or Buy?

Mortgage Mom Radio - Podcast

Play Episode Listen Later Jan 11, 2022 14:18


Do you have solar on your home now? Are you hoping to get solar added to your home? Did you know that you can lease or buy your solar equipment just like you would a car? What are the differences between each? Is one better than another when you decide to sell your home? What about a refinance or financing for the new buyer, does it matter if it is a lease or a buy? What is the benefit to each option? Tune in as I answer these questions for you on today's episode! Check out the Mortgage Mom Radio online merch store! The beer mugs are insane! SHOP NOW Book your free phone consultation today, BOOK NOW We are LIVE on YOUTUBE every Wednesday @ 1PM PST. Interact with us LIVE while we record! Ask us your questions right in the comments or call in and you will be patched through to the studio. Text "MOM" to 844-935-3634 for a weekly link to join when we get started. Mortgage Mom Radio equips you with all the mortgage education that you could ask for right at your fingertips! Listen to our Podcast with hours of shows and topics, download our PHONE APP loaded with every mortgage tool that you could need, and finally, watch our HOMEBUYER WORKSHOP SERIES on YouTube! Debbie Marcoux is licensed by the Department of Financial Protection and Innovations under the California Residential Mortgage Lending Act, NMLS ID 237926, also licensed in AZ-0941504, FL-LO76508, GA-69178, ID-167867, IL-031.0058339, NV-57237, OR, TN-184373, TX, WA-MLO-237926

Mortgage Mom Radio - Podcast
Appraisal Waiver or Waiving your Appraisal, what is the difference?

Mortgage Mom Radio - Podcast

Play Episode Listen Later Jan 9, 2022 6:04


The broad mention of "Appraisal Waiver" during a home purchase can mean two different things. Are you trying to get the attention of a seller by waiving your appraisal or did your lender tell you that they received an appraisal waiver from the system? These are two very different things and you could get caught in a very bad situation if you don't understand the difference between the two. Learn more with today's episode! Check out the Mortgage Mom Radio online merch store! The beer mugs are insane! SHOP NOW Book your free phone consultation today, BOOK NOW We are LIVE on YOUTUBE every Wednesday @ 1PM PST. Interact with us LIVE while we record! Ask us your questions right in the comments or call in and you will be patched through to the studio. Text "MOM" to 844-935-3634 for a weekly link to join when we get started. Mortgage Mom Radio equips you with all the mortgage education that you could ask for right at your fingertips! Listen to our Podcast with hours of shows and topics, download our PHONE APP loaded with every mortgage tool that you could need, and finally, watch our HOMEBUYER WORKSHOP SERIES on YouTube! Debbie Marcoux is licensed by the Department of Financial Protection and Innovations under the California Residential Mortgage Lending Act, NMLS ID 237926, also licensed in AZ-0941504, FL-LO76508, GA-69178, ID-167867, IL-031.0058339, NV-57237, OR, TN-184373, TX, WA-MLO-237926

Mortgage Mom Radio - Podcast
Do You Have Student Loan Debt?

Mortgage Mom Radio - Podcast

Play Episode Listen Later Jan 7, 2022 11:29


Do you have student loan debt? Are you ready for the monthly payments that have been in deferment to come due? Have you budgeted for those payments that you haven't had to make it almost two years? What can you do to get those under control if your not a homeowner? Do you own a home with equity? There are many options available to both homeowners and those who do not own. Listen to today's episode to learn more! Check out the Mortgage Mom Radio online merch store! The beer mugs are insane! SHOP NOW Book your free phone consultation today, BOOK NOW We are LIVE on YOUTUBE every Wednesday @ 1PM PST. Interact with us LIVE while we record! Ask us your questions right in the comments or call in and you will be patched through to the studio. Text "MOM" to 844-935-3634 for a weekly link to join when we get started. Mortgage Mom Radio equips you with all the mortgage education that you could ask for right at your fingertips! Listen to our Podcast with hours of shows and topics, download our PHONE APP loaded with every mortgage tool that you could need, and finally, watch our HOMEBUYER WORKSHOP SERIES on YouTube! Debbie Marcoux is licensed by the Department of Financial Protection and Innovations under the California Residential Mortgage Lending Act, NMLS ID 237926, also licensed in AZ-0941504, FL-LO76508, GA-69178, ID-167867, IL-031.0058339, NV-57237, OR, TN-184373, TX, WA-MLO-237926

Mortgage Mom Radio - Podcast
Fed Rate Hikes 2022/2023

Mortgage Mom Radio - Podcast

Play Episode Listen Later Jan 6, 2022 37:56


The Fed announced on December 15th that they plan to increase interest rates three times in 2022 and three more times in 2023. What does this mean to you? Do you have debt that is tied to the prime rate such as a credit card or a home equity line of credit? Check out the Mortgage Mom Radio online merch store! The beer mugs are insane! SHOP NOW Book your free phone consultation today, BOOK NOW We are LIVE on YOUTUBE every Wednesday @ 1PM PST. Interact with us LIVE while we record! Ask us your questions right in the comments or call in and you will be patched through to the studio. Text "MOM" to 844-935-3634 for a weekly link to join when we get started. Mortgage Mom Radio equips you with all the mortgage education that you could ask for right at your fingertips! Listen to our Podcast with hours of shows and topics, download our PHONE APP loaded with every mortgage tool that you could need, and finally, watch our HOMEBUYER WORKSHOP SERIES on YouTube! Debbie Marcoux is licensed by the Department of Financial Institutions under the California Residential Mortgage Lending Act, NMLS ID 237926, also licensed in AZ-0941504, FL-LO76508, GA-69178, ID-167867, IL-031.0058339, NV-57237, OR, TN-184373, TX, WA-MLO-237926

Healthy Recipes and Tips
You Upgrade Your Phone Apps Constantly But How Often Do You Upgrade Your Brain

Healthy Recipes and Tips

Play Episode Listen Later Dec 31, 2021 5:33


10 Years ago I bought a new tablet, and ever since then I noticed there was constantly a small circle with numbers in it on some app icons, telling me there was a newer version and to do an upgrade. So gradually I either set it up as to upgrade automatically or choose to do it manually and individually. Nowadays some apps even force you to upgrade, or it will not even let you use it. Let's have a listen together! Your host Charlie Wang, based in Toronto Canada, is the founder of this podcast show. His father is a stroke survivor. He started this podcast, because he wanted to help people with the knowledge of healthy food to avoid what had happened to his father and his friend, as well as healthy mindset, mentality and attitude towards life. He hopes you will all be healthy, and have healthy relationships and better lives because you and your family are all physically healthy, eating better, and equipped with life's wisdom. Feel free to post what you would like him NOT to talk about, or email to podcast@charlie.app. Credit: Music: www.purple-planet.com Pinball Spring Kevin MacLeod (incompetech.com) Licensed under Creative Commons: By Attribution 3.0 License creativecommons.org/licenses/by/3.0/

Mortgage Mom Radio - Podcast
Final Show of 2021

Mortgage Mom Radio - Podcast

Play Episode Listen Later Dec 29, 2021 15:01


Thank you so much for all of our listeners, students, and clients for being part of the Mortgage Mom Radio Family in 2021! We send off 2021 in this episode and we'll see on the next one in 2022! Check out the Mortgage Mom Radio online merch store! The beer mugs are insane! SHOP NOW Book your free phone consultation today, BOOK NOW We are LIVE on YOUTUBE every Wednesday @ 1PM PST. Interact with us LIVE while we record! Ask us your questions right in the comments or call in and you will be patched through to the studio. Text "MOM" to 844-935-3634 for a weekly link to join when we get started. Mortgage Mom Radio equips you with all the mortgage education that you could ask for right at your fingertips! Listen to our Podcast with hours of shows and topics, download our PHONE APP loaded with every mortgage tool that you could need, and finally, watch our HOMEBUYER WORKSHOP SERIES on YouTube! Debbie Marcoux is licensed by the Department of Financial Institutions under the California Residential Mortgage Lending Act, NMLS ID 237926, also licensed in AZ-0941504, FL-LO76508, GA-69178, ID-167867, IL-031.0058339, NV-57237, OR, TN-184373, TX, WA-MLO-237926

Mortgage Mom Radio - Podcast
Do you pay mortgage insurance and want to remove it?

Mortgage Mom Radio - Podcast

Play Episode Listen Later Dec 27, 2021 20:33


The title of this show says it all. Do you have an FHA loan and pay mortgage insurance? Do you have a conventional loan and pay monthly mortgage insurance. Get all of the scoop you need on how about how to remove your monthly mortgage insurance and reduce your total monthly payment! Check out the Mortgage Mom Radio online merch store! The beer mugs are insane! SHOP NOW Book your free phone consultation today, BOOK NOW We are LIVE on YOUTUBE every Wednesday @ 1PM PST. Interact with us LIVE while we record! Ask us your questions right in the comments or call in and you will be patched through to the studio. Text "MOM" to 844-935-3634 for a weekly link to join when we get started. Mortgage Mom Radio equips you with all the mortgage education that you could ask for right at your fingertips! Listen to our Podcast with hours of shows and topics, download our PHONE APP loaded with every mortgage tool that you could need, and finally, watch our HOMEBUYER WORKSHOP SERIES on YouTube! Debbie Marcoux is licensed by the Department of Financial Institutions under the California Residential Mortgage Lending Act, NMLS ID 237926, also licensed in AZ-0941504, FL-LO76508, GA-69178, ID-167867, IL-031.0058339, NV-57237, OR, TN-184373, TX, WA-MLO-237926

Jean & Mike Do The New York Times Crossword
Saturday, December 25, 2021 - Podcasts about the NYTimes crossword? They're THENEWBLACK!

Jean & Mike Do The New York Times Crossword

Play Episode Listen Later Dec 26, 2021 12:47


A tough Saturday crossword: a stack of 3 15-letter answers at the bottom, and a stack of 9-, 11- and 13-letter answers at the top made for a formidable grid. Jean had issues in the top left, and Mike was temporarily enticed into thinking that 1A, Things you might snap on, nowadays, PHOTOAPPS, was PHONEAPPS -- as the crosses for both the T and O were (to him) unknowns. Very sneaky, Mr. Shortz! Still, a good crossword, we give it a 5 squares on the JAMCR scale. Since it's Saturday, that means its time for the JAMCOTWA (Jean And Mike Crossword Of The Week Award). To find out who won, simply download and listen up.

Mortgage Mom Radio - Podcast
Why did your fixed rate mortgage payment change?

Mortgage Mom Radio - Podcast

Play Episode Listen Later Dec 22, 2021 22:32


Did your lender tell you that you were signing for a 30 YR fixed rate? Did you expect that your monthly payment would never change and always be the same? Why is it changing? Can it change again? Tune in as we explain your taxes and insurance. Check out the Mortgage Mom Radio online merch store! The beer mugs are insane! SHOP NOW Book your free phone consultation today, BOOK NOW We are LIVE on YOUTUBE every Wednesday @ 1PM PST. Interact with us LIVE while we record! Ask us your questions right in the comments or call in and you will be patched through to the studio. Text "MOM" to 844-935-3634 for a weekly link to join when we get started. Mortgage Mom Radio equips you with all the mortgage education that you could ask for right at your fingertips! Listen to our Podcast with hours of shows and topics, download our PHONE APP loaded with every mortgage tool that you could need, and finally, watch our HOMEBUYER WORKSHOP SERIES on YouTube! Debbie Marcoux is licensed by the Department of Financial Institutions under the California Residential Mortgage Lending Act, NMLS ID 237926, also licensed in AZ-0941504, FL-LO76508, GA-69178, ID-167867, IL-031.0058339, NV-57237, OR, TN-184373, TX, WA-MLO-237926

Mortgage Mom Radio - Podcast
Remove PMI, Build an ADU (Accessory Dwelling Unit), Impound (Escrows) – why did your payment go up?

Mortgage Mom Radio - Podcast

Play Episode Listen Later Dec 20, 2021 57:03


Wednesday, December 15th, 2021  This episode was full of information on multiple topics. In the first segment, Debbie and Heidi start by discussing FHAs in relation to Mortgage Insurance (MI) and how to get rid of that MI. Debbie says the best way to get out of the MI is to refinance, and that it should be done immediately due to interest rates currently being low and property values being high. They go on to discuss Conventional Loans and what the various options to choose from when wanting to remove Mortgage Insurance. They jump into the subject of Escrows and what that is. Heidi explains that Escrows are Property Taxes & Homeowner's Insurance, and that they are constantly changing on an annual basis. They drill down on this subject along with explaining the issues new homeowners will run into when cashing a “property tax refund check” by their current Lender. Debbie says to put that check into an account that cannot be touched, and let it stay in the account for at least 12 months to see if it must be paid back. She also recommends calling the Lender that issued the check in the first place to see what that check is for. We move to the second part of the segment where Debbie brings in Loan Officer Cindy Russon to discuss Accessory Dwelling Units (ADUs). Cindy talks about “Junior” Accessory Dwelling Units and the benefits of those along with normal ADUs (a separate structure from the home). Debbie expands on the details of an ADU by discussing its required square footage in relation to the structure of the main house. They get into HOAs and the rules and regulations (mainly in California) on how ADUs can now be used efficiently due to the restrictions being lifted. Debbie says that the process for getting ADUs in place would most likely be a Cash-Out Refinance to build the ADU, and then a second refinance (after the ADU is built) with a better interest rate on your home since it will now be worth more due to the ADU. Debbie says that Cash Out Refinance-Loans are better than Renovation Loans because the homeowner is 100% in charge of how that money is spent, especially if the homeowner has sources for building a proper structure for the ADU. Debbie and Cindy both say that the best way to start this process is to connect with them today! Check out the Mortgage Mom Radio online merch store! The beer mugs are insane! SHOP NOW Book your free phone consultation today, BOOK NOW We are LIVE on YOUTUBE every Wednesday @ 1PM PST. Interact with us LIVE while we record! Ask us your questions right in the comments or call in and you will be patched through to the studio. Text "MOM" to 844-935-3634 for a weekly link to join when we get started. Mortgage Mom Radio equips you with all the mortgage education that you could ask for right at your fingertips! Listen to our Podcast with hours of shows and topics, download our PHONE APP loaded with every mortgage tool that you could need, and finally, watch our HOMEBUYER WORKSHOP SERIES on YouTube! Debbie Marcoux is licensed by the Department of Financial Institutions under the California Residential Mortgage Lending Act, NMLS ID 237926, also licensed in AZ-0941504, FL-LO76508, GA-69178, ID-167867, IL-031.0058339, NV-57237, OR, TN-184373, TX, WA-MLO-237926

Mortgage Mom Radio - Podcast
Holiday Shopping. Should you buy now pay later?

Mortgage Mom Radio - Podcast

Play Episode Listen Later Dec 10, 2021 57:02


Wednesday, December 8th, 2021 On today's segment, Debbie and Heather discuss important trending topics in the Mortgage and Lending industry. At the top of the show, Debbie mentions how the format of the show will be changing a bit, including more of her team coming onto the show. She will be hosting 3 live stream's per week on YouTube, Monday, Tuesday, and Wednesday.  Rather than one, one hour stream per week, they will be shorter 20 minute or less segments. This should provide easier to watch content, and additional days available for live interaction to accommodate your schedules. The Mortgage Mom Radio team is available seven days a week for appointments. If you call, 844-935-3634, the call service will schedule your appointment even after hours. Heather and Debbie discuss trending economic “Holiday Season” topics. One of the main topics they focus on is the “Buy Now Pay Later” trend i.e. Klarna and Afterpay. They explain the details of how those services work and how important it is to know what you are getting into when using them. They go on to talk about how refinancing your home (pulling cash out) could benefit you to pay off those high interest rate credit cards, medical debts, student loans, as well as the buy now pay later agreements. Heather brings up a great example of how you can bring your credit card balances to $0, save money on your monthly cash flow, while paying down your loan quicker by adding additional money to your payment. Debbie explains that reviewing a Blended Rate Calculation with all debts that you own will prove that sometimes paying off the debt and refinancing into a higher rate may make sense. The math does not lie, so why not see the calculation to determine if it is right for you? Book your free phone consultation today on MortgageMomRadio.com! Debbie says that EVERYONE should be trying to buy a home right now, especially with inflation on the rise. Check out the Mortgage Mom Radio online merch store! The beer mugs are insane! SHOP NOW Book your free phone consultation today, BOOK NOW We are LIVE on YOUTUBE every Wednesday @ 1PM PST. Interact with us LIVE while we record! Ask us your questions right in the comments or call in and you will be patched through to the studio. Text "MOM" to 844-935-3634 for a weekly link to join when we get started. Mortgage Mom Radio equips you with all the mortgage education that you could ask for right at your fingertips! Listen to our Podcast with hours of shows and topics, download our PHONE APP loaded with every mortgage tool that you could need, and finally, watch our HOMEBUYER WORKSHOP SERIES on YouTube! Debbie Marcoux is licensed by the Department of Financial Institutions under the California Residential Mortgage Lending Act, NMLS ID 237926, also licensed in AZ-0941504, FL-LO76508, GA-69178, ID-167867, IL-031.0058339, NV-57237, OR, TN-184373, TX, WA-MLO-237926

The Other Side Of The Firewall
FBI Encrypted Phone App

The Other Side Of The Firewall

Play Episode Listen Later Jun 15, 2021 13:10


What's up, everyone! On this episode Ryan, Shannon, and LeVon discuss the FBI's encrypted phone app. Please LISTEN

The Be THAT Mom Movement Podcast: Protecting kids in a digital world
Episode 53: Smart phone apps & features made for hiding things!

The Be THAT Mom Movement Podcast: Protecting kids in a digital world

Play Episode Listen Later Mar 2, 2021 17:13


These apps and smart phone features help keep things hidden on a smart phone! If giving your kid a smart phone, learn about these today!    Get your BARK subscription today! Use code BETHATMOM at https://www.bark.us Stay connected with the Be THAT Mom Movement via our channel in the Telegram app: Subscribe HERE or search for @bethatmom on the app. Get tips and tools for your own wellness using the Align Your Life Wellness channel on the Telegram app: Subscribe HERE or search for @alignyourlife on the app. You can also get more info at https:.//www.dollydenson.com For a FREE DIGITAL RESOURCE GUIDE download CLICK HERE or go to https://www.dollydenson.com/digitalresources For more info on the Tick Talk Watch: CLICK HERE. Use code BETHATMOM for $10 off!! Grab the Pinwheel phone for your kid's first phone, and avoid the addiction and battle created by giving a smartphone too soon: Click here or go to https://www.pinwheel.com/?via=dolly and use code BETHATMOMTEN for a discount!  More info on the Gabb Wireless phone: CLICK HERE or use code BETHATMOM for a discount at https://www.gabbwireless.com Add a BARK subscription to your Pinwheel phone or smart phone for added security. Use code BETHATMOM for 20% off for life! https://www.bark.us BARK HOME: CLICK here!! Covenant Eyes 30 day free trial CLICK HERE!!    FULL TRANSCRIPTION: Speaker 1 (00:00): Holy Toledo, you are not going to believe this. I'm going to share with you today. Some different things that you may not be aware that your smartphone can do, and in the hands of your kids, it can be a really, really scary thing. So stay tuned. We're going to chat about this. Speaker 2 (00:20): Welcome to your source for tips, tools, and support to help you be that mom that is tuned in and proactive for yourself, your family, and for the wild ride of raising kids in this digital age, inspired by a mother's love with a relatable, real life. Proud to be that mom flair. This is the bead that mom movement with your host, Dolly Denson. Speaker 1 (00:46): Did you hear there is an app that will transform the safety of your kids, smartphone and technology use. It is my favorite way to sleep easy at night and have peace of mind because it is monitoring my kids' activity online without me being in their business. It is the bark app and yes, bark like a dog bark bark bark. It tells you when there's something that you need to be concerned about starting at a small fee each month, you can protect your whole family across all devices. Get connected with bark today. Use code, be that mom for 20% off your subscription for life and get a seven day free trial to check it out. So I truly believe that curiosity is something that is just innate and natural for a kid to have, but with a smartphone in their hands, it is like, I don't even know the analogy to, to describe it as, but basically we're like putting a ticking time bomb in their hands. Speaker 1 (01:43): When we put a smartphone in their hands, and I've said, this, I've known this over the last year and a half, but these things that I'm going to share with you today are things that I didn't know our phones could do. And if I found the information which was on Instagram, I know that my kids could find it too. And your kids might as well and all in all, you know, when we give them a phone and we help guide them, there has to be a certain amount of trust. There we have to, you know, eventually allow them to do things. But if we're giving our kids a smartphone, when they're like middle school, age, or a little bit older, it can be a recipe for disaster, especially when they are able to do these things are run to talk about today. So I bet this is going to blow your mind. Speaker 1 (02:26): Like it didn't mind. So the other day I was on Instagram and I don't even know how I found this video, but it was basically a video that was like, I bet you didn't know what your iPhone can do. And I went and looked at his account and he has like multiple, multiple, multiple videos about all these different things that your iPhone can do that you may not have been aware of. Now, if you are not an Apple person and you have an Android phone, yours will probably be a little bit different than this, but still listen in because I bet you have something very, very similar in your Android phone. Now, when it comes to kids, this is one reason to put bark on that phone, no matter which type of phone they have, because bark is going to monitor their activity and let you know of concerning conversations and different activities. Speaker 1 (03:13): On top of that, having screen time controls to where they cannot download an app without you knowing, and they cannot delete an app without you, knowing will be helpful. If you have that set up beforehand, when you give them a phone, or you can do that ASAP. But if you haven't done that when your kid has had free reign for any period of time, these are some things that you need to be aware of in, you know, either way you need to be aware of these things because they completely blew my mind as I checked them out. Okay. So the first one is having hidden folders on your phone. Let me kind of describe for you. I'm not going to go into too much technical detail, but let me kind of describe for you what this looks like. So there's an app that's called shortcuts on your phone and you click on there to create a shortcut. Speaker 1 (04:02): And then you add an action. So say you have an app that you don't want your parent to know that you have on your phone. So you add the shortcut, you select the app and then you add it to your home screen. And then you can change the picture of the app on your home screen. So maybe like, make it look like a calculator or the weather app, several different apps that you as a parent would be like, Oh, no big deal. You know, it's just a weather app when it's actually them hiding another app. So getting around this would be to know what apps they have on their phone and that they're not able to download it or just get that smartphone out of their hands and give them a pinwheel phone problem solved. But that is one way that they may be hiding an app that you have said that you do not want them to have such as Snapchat, such as Tik TOK, such as Instagram, those types of things. Speaker 1 (04:58): Okay. The second thing that I discovered is secret photo app. Now this one is very interesting. I had no idea. If you go to the app store and search S a or secret photo album, there is an app that can be downloaded. And once that is downloaded, they can hide pictures in there. They can lock it with the password. They can even put a fake pin on it to where, when, like, if you were to say, what is this app? And then you click on it and it goes to, for you to enter a pin and you tell them what your pin, they can set it up to where that fake pin opens it, but opens it up to fake pictures or pictures that they've put there. So they basically could pull one over on you while you're thinking that they are giving you the pin to look at it. Speaker 1 (05:48): Okay. So they can put a fake pin on it that shows fake pictures. And they also can set it up to where, and I say they, but this could be anyone that's wanting to be dishonest on a phone, not necessarily our kids, but it's just important to be aware that these things are out there and that there are ways to hide things, but they also have it set up to where, if someone were to guess the pin on the app, like the correct pin and they get in, then the app takes a picture of that person and sends an alert to the owner of the phone. And then this app also has the capability of when the phone is turned face down. It will auto switch to another app. I don't know about you, but I've had it happen to where I walk into a room when one of my kids is on their phone and they immediately hide it, or they put it face down. Speaker 1 (06:36): Well, this app, when you put it face down would switch to another app. So even if you picked it up to say, what's on your phone, it wouldn't show them that. Okay. So it's called secret photo album, or just put in essay in the app store and it'll come up. It'll show you what the icon is. Okay. This third, third thing is where you can create secret messages. And this would be in the notes app on their phone. So the regular notes app, it's not an app that they download. So you having screen time restrictions on their phone, wouldn't catch this, but in the notes app, you can type a subject. And then you can add someone to that note. And then you can also lock the note. So if, when you add someone, that person that you added, they could speak to each other in the note could also be locked to where you cannot see it, that one's quite disturbing, right? Speaker 1 (07:32): Because that's already on their phone. That's no type of new adding that also could be done with a Google drive. You know, if you have restrictions and all they have access to, is there stuff for school, you can do that in a Google drive. You share a link between two people and you can talk back and forth on a Google doc or something like that. So once technology gets into their hands, there are so many ways around your monitoring and your restrictions, but something like bark would still pick this stuff up conversations and things going on. Okay. The next one is, if you have iOS 14 on your phone, if you hold down the screen, when you were on your regular phone and the little dots pop up at the bottom, like if you're on the regular page of your phone, the little dots, pop up at the bottom, tap on those dots. Speaker 1 (08:20): And let me see if it's going to do it for me. I'm trying to do it as I talk to you. So let me start again. So on your phone, I don't, if you hold down the screen and then if your phone is updated to the most recent update, you hold down the screen, like your finger on the screen, the little dots pop up at the bottom. You can click on those. There it goes. And then you can edit the pages. So you basically could have a screen of apps and you can remove them. So if you're like checking to see what apps they have on their phone, they could remove this one of apps. And then it's not going to show up for you. They can still get to it in their phone, but it won't show up as a page of apps. So they could certainly hide apps that they have downloaded from you completely by deleting that page on their home screens. Speaker 1 (09:10): Now, this one is something that can help you. We got to have some positive in this, right? Instead of being stressed about all these things, this is something that I learned that probably could have saved us a couple of dollars here and there. But if your kid or you gets water on your phone or drops water, or like drops it in water, or somehow gets wet, there is a water shortcut, a water eject shortcut that you can add to your phone. So Google water shortcut, and get the shortcut added to your phone. And then if it's dropped in water, you say, Hey, Siri, water, eject, shortcut, Oh, shoot. My computer's popping up the water reject thing. Hold on. I gotta turn this off. And it's going to start trying to eject it off of my phone. So you say, Hey, Siri. And then you say to pull up the water reject shortcut, and then actually please a sound that ejects the water out of the speakers of the phone. Speaker 1 (10:09): So if your kid comes to you saying that they dropped it in water, you can do this quickly and it will help eject the water out of the phone. So that's actually something that's pretty cool. Okay. And then another one to be aware of is a calculator plus app. And basically this is another way for them to hide pictures. So there it's called calculator. Plus there's a couple of different options if you look in the app store, but it's basically a way for them to hide pictures in a vault that just looks like a calculator and they just put in a pin and then it would open up to the pictures. So it would be another way for them to hide pictures from you using the calculator plus app. So lots of ways for them to hide stuff from us, lots of little intricate things about these phones that many of us are probably not aware of. Speaker 1 (10:55): A couple of other things to definitely be aware of is that if they are sending pictures to anyone else, make sure that the location is turned off on pictures. Otherwise when you send a picture to someone, it will, they can basically click on that and tell where that picture was taken. So if they're sending a picture on Snapchat, if they're sending one through Instagram, if it's to someone they don't know in real life, those are things that are very, very, very concerning for their safety. So definitely look into those as far as making sure that they aren't sending pictures to other people with the location on that picture, like the, whatever the geo tracking or whatever it is. And then other than that, some apps have it set up to where it now can say their precise location. So I would go into settings and turn off the location services for anything that doesn't have to have it on. Speaker 1 (11:47): So, you know, like a weather app, maybe it needs to have it on, maybe it doesn't, but, you know, use your own judgment to look through through those different apps and turn off location services, because they certainly have had instances where a predator of some kind, someone who has ill intent towards our children poses as a kid or a friend, and is able to track them down in real time through things like Snapchat in order to prey on them. So it's certainly something to be aware of, but all in all, as you can see, there are so many intricacies with these phones, if at all possible delay giving your ghetto a smartphone. I don't say that to laugh, to make light of it, but delay giving your kid a smartphone, if you can, as long as you can. And then after that, you know, proceed with caution and with a proactive stance, use bark. Speaker 1 (12:37): If you aren't already used my code, be that mom to get the discount on it. And that will help kind of be your eyes and ears for a lot of this stuff. And then if you do discover that things are being hidden from you, of course, that's your judgment call as a parent, how to proceed with that. But my personal opinion is that if they are hiding things from me while they do deserve some sort of privacy, you know, to the extent of, you know, growing up and wanting to have their own private life in their own private thoughts or whatever, if they are hiding things from me and I discover that somehow that's putting them in danger or is not for their best interest in their future and all of that, then it's time to pull that phone away. It's time to pull those privileges away. Speaker 1 (13:21): In my personal opinion, a phone is not a right. It is a privilege that is earned and just like anything else in life, if it's not being used responsibly. And I find that it is putting them in a place of danger, then it's time to pull that away for a little bit. We grew up without phones, they can do it too. That's what I've said before. So anyways, that is totally your judgment, your call, but I tried to do the little dance of giving trust and, you know, let's just kind of figure this out until it became evident that that just wasn't possible until we pulled away from that for a little bit. And that allowed us to reset from everything, you know, figure out what's most important in our lives and then take baby steps forward toward allowing more independence again. And that was probably the best thing we have ever done as parents was to put our foot down harder than we ever had before pull the electronics away completely until we could reassess and get our, you know, footing on the ground again, and then move forward from there. Speaker 1 (14:20): So you discover the dishonesty, use your own judgment, offer them to make decisions going forward. But if it comes to it, pull that thing away and reassess readjust allowed him to detox, allowed them to realize that there's more to life than what's on Snapchat or Instagram and all of those things. Cause I do think these digital things certainly make their childhoods much more complicated and making them feel like they are not enough. And all of the things that come with that, I think our childhood without the digital things was while still complicated was a much simpler time. So definitely don't hesitate to put your foot down on that as the parent, as you're moving forward. But I hope that this was helpful for you with different secret apps and secret ways that they could get around us. And if you've had some suspicion of something dishonest going on underneath the surface, maybe it's one of these things that's going on. So check that out. Okay. All right. Chat with you next time. Speaker 2 (15:18): Thanks for tuning in being that mom isn't easy, but together we can be that mom's strong. Don't forget to leave a review, connect on social and join Dolly's free community till next time. So before Speaker 1 (15:32): Where you go check this out, if you are a mom that is listening to this podcast, you are wanting to keep your kids safe in the digital world. But let me tell you what is so very powerful and what helped me so so much when things got really tough in my parenting of the digital natives world, I already had a routine of taking care of myself every day with not only the simple things like drinking more water and getting enough sleep most of the time. Anyway. Um, but I also had a routine of exercise in a routine of fueling my body with good nutrition, with guaranteed nutrition, through a smoothie, with tools that helped me during my workouts and this routine. It sounds silly that it could help so much, but it did help me so much when I was gutted by the challenges of raising kids in this digital age, it helped me have a safe place. Speaker 1 (16:23): It helped me have a strength that I otherwise would not have mentally and spiritually and physically. And then it also on a day to day basis helps me to be more present for the kids because I'm more present for myself. First, if you do not have this in your life, I want to connect you with this. I want to simplify this for you, connect with me and I will connect you with tools that work for anyone that simplify everything around exercising and eating and making this a habit that sticks. And that will be an example for your kids and your family. Connect with me. We'll have a discovery session. We'll figure out which options will work best for you. And then I will connect you with my online community to help support you as you get started and to help you keep up the motivation and the momentum to make this a lifestyle switch that lasts forever. So connect with me today.

The Innkeeper's Table
42 - App-Dependent Games

The Innkeeper's Table

Play Episode Listen Later Feb 26, 2021 22:38


Dylan and Bill discuss board games that require an app to play.

GotTechED
12 EdTech Phone Apps and Web-Based Tools

GotTechED

Play Episode Listen Later Jan 18, 2021 40:20


GotTechED the Podcast Episode #76: 12 EdTech Phone Apps and Web-Based Tools Welcome back to GotTechED the podcast this is episode 76 called “12 EdTech Phone Apps and Web-Based Tools”.  In this episode, we will go over 12 edtech tools that are new to us and, for the most part, are new to everyone else too.  We've broken down these recently launched tools into some categories like team collaboration, creativity, productivity and distance gaming.  This is another episode you don't want to miss.  Check it out. Segment 1: Welcome to the New Year Nick Segment 2: Web-based Edtech ToolsTeam Collaboration Bubbles   Savvy Cal https://supernotes.app (Supernotes) @supernotesapp https://gitmind.com/ (GitMind) Creativity https://www.vektors.pro/ (Vektors)  Slazzer InVideo Productivity https://everyday.app/ (Everyday) @everydayCheck https://play.google.com/store/apps/details?id=com.accappdev.aphotoaday&hl=en_US&gl=US (A Photo A Day) Distance Gaming https://www.tryreason.com (Reason) https://flinkit.io/ (Flinkit!) https://www.loomielive.com/download (LoomieLive) Segment 3: Where to Find GotTechEDhttps://gotteched.com/hybridlearningguide/ (Teacher's Guide to Remote/Hybrid Learning) Guise: Do us 3 favors Subscribe to GotTechED the Podcast https://itunes.apple.com/us/podcast/gotteched/id1358366637?mt=2 (Apple Podcasts) https://open.spotify.com/show/7zyzfCkSDNHkKdqxmh9XLB?si=YhSdMa6BQVmcLHbSrYxE9Q (Spotify) https://play.google.com/music/listen?u=0#/ps/Indeizidhz4h37mawfylwdgco4y (Google Podcasts)   https://www.stitcher.com/search?q=gotteched (Stitcher)   https://www.youtube.com/channel/UCMIQwu39Tkow3kduRQAH85w?view_as=subscriber (YouTube)   https://twitter.com/WeGotTechED (Twitter)    https://www.facebook.com/WeGotTechED/ (Facebook) Write us an Apple Podcast Review! Tell your friends about http://www.gotteched.com (www.gotteched.com) Music Credits:The Degs: Shotgunhttp://freemusicarchive.org/music/The_Degs/ ( http://freemusicarchive.org/music/The_Degs/) @bensoundshttps://www.bensound.com/ ( https://www.bensound.com/) Subscribe to our Podcasthttps://itunes.apple.com/us/podcast/gotteched/id1358366637?mt=2 (Apple Podcasts) https://open.spotify.com/show/7zyzfCkSDNHkKdqxmh9XLB?si=YhSdMa6BQVmcLHbSrYxE9Q (Spotify) https://play.google.com/music/listen?u=0#/ps/Indeizidhz4h37mawfylwdgco4y (Google Podcasts)   https://www.stitcher.com/search?q=gotteched (Stitcher)   https://www.youtube.com/channel/UCMIQwu39Tkow3kduRQAH85w?view_as=subscriber (YouTube)   https://twitter.com/WeGotTechED (Twitter)    https://www.facebook.com/WeGotTechED/ (Facebook) Connect with us on Social MediaGuise on Twitterhttps://twitter.com/GuiseGotTechEd ( @guisegotteched) Nick on Twitterhttps://twitter.com/NickGotTechEd ( @nickgotteched) GotTechED the Podcast on Twitterhttps://twitter.com/WeGotTechEd ( @wegotteched) Join the Conversation and our PLNOur favorite part of recording a live podcast each week is participating in the great conversations that happen on our https://www.facebook.com/WeGotTechED/ (Facebook Group Page).    Need a Presenter?As experienced presenters and content creators, you can contact Nick and Guise to speak at your school, event, or conference. They can customize a workshop that meets your organization's unique time and content needs. While no topic is out of bounds, GotTechED is best known for sessions on: 1:1 Chromebook Integration EdTech Throwdown TargetED Learning Gamification (Badge Systems) Game-Based Learning (Escape Rooms, Amazing Race, and more) Google apps and extensions Personalized learning and Choice Boards Teacher productivity (Lesson Planning, Online Grading. and Feedback) Digital content creation Student Podcasting Screencasting Flipped Classroom Student-Centered Learning