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Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Latrease Price-Gistard. Purpose of the Interview The interview aims to educate listeners on the mortgage industry, highlight the role and benefits of working with an independent mortgage broker, and provide practical advice on home financing options, credit challenges, and programs that support homeownership. It also shares Latrease’s entrepreneurial journey and lessons learned. Key Takeaways Background and Career Path Latrease has a finance degree and started in investment operations in 1999. Transitioned from auto financing and co-owning a car dealership to mortgage lending. Became an independent mortgage broker in 2022 after being laid off during rising interest rates. Role of an Independent Mortgage Broker Holds her own license and partners with multiple lenders to offer tailored loan products. Advocates for borrowers to ensure they get the right product, not just approval. Specializes in helping first-time buyers, self-employed individuals, and those with unique challenges. Home Financing Insights Reverse Mortgages: Typically for seniors 62+, often used by those 75+ with equity and limited retirement funds. Provides tax-free cash without monthly payments; debt settled upon sale or refinance. Zero Down Payment Programs: Offers up to 3% for down payment, attached to the mortgage; other programs provide up to 5% for down payment and closing costs. FHA 203K Program: Allows buyers to finance home purchase and renovations in one loan—ideal for fixer-uppers. Credit Challenges Programs exist for credit scores as low as 500, but require higher down payments (10–20%) and result in higher interest rates. Latrease consults and provides “what-if” scenarios to help clients improve credit over time. Entrepreneurial Lessons Mistakes: Starting without enough capital and a strong pipeline; economic timing matters. Advice: Build capital, secure a solid client pipeline, and understand market conditions before going independent. Notable Quotes On independence:“As a broker, you serve as that advocate for your borrower to make sure they’re getting the right loan product.” On reverse mortgages:“The beauty of it is there are no monthly payments going back to the institution. The debt is paid off when the home is sold or refinanced.” On credit challenges:“Programs go as low as 500 credit score, but those borrowers need 10–20% down.” On entrepreneurial advice:“Make sure you have strong capital and a solid pipeline before stepping out on faith.” On perseverance:“It’s all about follow-through. It’s all about your dream and whether you want to make it happen.” #SHMS #STRAW #BESTSupport the show: https://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Latrease Price-Gistard. Purpose of the Interview The interview aims to educate listeners on the mortgage industry, highlight the role and benefits of working with an independent mortgage broker, and provide practical advice on home financing options, credit challenges, and programs that support homeownership. It also shares Latrease’s entrepreneurial journey and lessons learned. Key Takeaways Background and Career Path Latrease has a finance degree and started in investment operations in 1999. Transitioned from auto financing and co-owning a car dealership to mortgage lending. Became an independent mortgage broker in 2022 after being laid off during rising interest rates. Role of an Independent Mortgage Broker Holds her own license and partners with multiple lenders to offer tailored loan products. Advocates for borrowers to ensure they get the right product, not just approval. Specializes in helping first-time buyers, self-employed individuals, and those with unique challenges. Home Financing Insights Reverse Mortgages: Typically for seniors 62+, often used by those 75+ with equity and limited retirement funds. Provides tax-free cash without monthly payments; debt settled upon sale or refinance. Zero Down Payment Programs: Offers up to 3% for down payment, attached to the mortgage; other programs provide up to 5% for down payment and closing costs. FHA 203K Program: Allows buyers to finance home purchase and renovations in one loan—ideal for fixer-uppers. Credit Challenges Programs exist for credit scores as low as 500, but require higher down payments (10–20%) and result in higher interest rates. Latrease consults and provides “what-if” scenarios to help clients improve credit over time. Entrepreneurial Lessons Mistakes: Starting without enough capital and a strong pipeline; economic timing matters. Advice: Build capital, secure a solid client pipeline, and understand market conditions before going independent. Notable Quotes On independence:“As a broker, you serve as that advocate for your borrower to make sure they’re getting the right loan product.” On reverse mortgages:“The beauty of it is there are no monthly payments going back to the institution. The debt is paid off when the home is sold or refinanced.” On credit challenges:“Programs go as low as 500 credit score, but those borrowers need 10–20% down.” On entrepreneurial advice:“Make sure you have strong capital and a solid pipeline before stepping out on faith.” On perseverance:“It’s all about follow-through. It’s all about your dream and whether you want to make it happen.” #SHMS #STRAW #BESTSee omnystudio.com/listener for privacy information.

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Latrease Price-Gistard. Purpose of the Interview The interview aims to educate listeners on the mortgage industry, highlight the role and benefits of working with an independent mortgage broker, and provide practical advice on home financing options, credit challenges, and programs that support homeownership. It also shares Latrease’s entrepreneurial journey and lessons learned. Key Takeaways Background and Career Path Latrease has a finance degree and started in investment operations in 1999. Transitioned from auto financing and co-owning a car dealership to mortgage lending. Became an independent mortgage broker in 2022 after being laid off during rising interest rates. Role of an Independent Mortgage Broker Holds her own license and partners with multiple lenders to offer tailored loan products. Advocates for borrowers to ensure they get the right product, not just approval. Specializes in helping first-time buyers, self-employed individuals, and those with unique challenges. Home Financing Insights Reverse Mortgages: Typically for seniors 62+, often used by those 75+ with equity and limited retirement funds. Provides tax-free cash without monthly payments; debt settled upon sale or refinance. Zero Down Payment Programs: Offers up to 3% for down payment, attached to the mortgage; other programs provide up to 5% for down payment and closing costs. FHA 203K Program: Allows buyers to finance home purchase and renovations in one loan—ideal for fixer-uppers. Credit Challenges Programs exist for credit scores as low as 500, but require higher down payments (10–20%) and result in higher interest rates. Latrease consults and provides “what-if” scenarios to help clients improve credit over time. Entrepreneurial Lessons Mistakes: Starting without enough capital and a strong pipeline; economic timing matters. Advice: Build capital, secure a solid client pipeline, and understand market conditions before going independent. Notable Quotes On independence:“As a broker, you serve as that advocate for your borrower to make sure they’re getting the right loan product.” On reverse mortgages:“The beauty of it is there are no monthly payments going back to the institution. The debt is paid off when the home is sold or refinanced.” On credit challenges:“Programs go as low as 500 credit score, but those borrowers need 10–20% down.” On entrepreneurial advice:“Make sure you have strong capital and a solid pipeline before stepping out on faith.” On perseverance:“It’s all about follow-through. It’s all about your dream and whether you want to make it happen.” #SHMS #STRAW #BESTSteve Harvey Morning Show Online: http://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Latrease Price-Gistard. Purpose of the Interview The interview aims to educate listeners on the mortgage industry, highlight the role and benefits of working with an independent mortgage broker, and provide practical advice on home financing options, credit challenges, and programs that support homeownership. It also shares Latrease’s entrepreneurial journey and lessons learned. Key Takeaways Background and Career Path Latrease has a finance degree and started in investment operations in 1999. Transitioned from auto financing and co-owning a car dealership to mortgage lending. Became an independent mortgage broker in 2022 after being laid off during rising interest rates. Role of an Independent Mortgage Broker Holds her own license and partners with multiple lenders to offer tailored loan products. Advocates for borrowers to ensure they get the right product, not just approval. Specializes in helping first-time buyers, self-employed individuals, and those with unique challenges. Home Financing Insights Reverse Mortgages: Typically for seniors 62+, often used by those 75+ with equity and limited retirement funds. Provides tax-free cash without monthly payments; debt settled upon sale or refinance. Zero Down Payment Programs: Offers up to 3% for down payment, attached to the mortgage; other programs provide up to 5% for down payment and closing costs. FHA 203K Program: Allows buyers to finance home purchase and renovations in one loan—ideal for fixer-uppers. Credit Challenges Programs exist for credit scores as low as 500, but require higher down payments (10–20%) and result in higher interest rates. Latrease consults and provides “what-if” scenarios to help clients improve credit over time. Entrepreneurial Lessons Mistakes: Starting without enough capital and a strong pipeline; economic timing matters. Advice: Build capital, secure a solid client pipeline, and understand market conditions before going independent. Notable Quotes On independence:“As a broker, you serve as that advocate for your borrower to make sure they’re getting the right loan product.” On reverse mortgages:“The beauty of it is there are no monthly payments going back to the institution. The debt is paid off when the home is sold or refinanced.” On credit challenges:“Programs go as low as 500 credit score, but those borrowers need 10–20% down.” On entrepreneurial advice:“Make sure you have strong capital and a solid pipeline before stepping out on faith.” On perseverance:“It’s all about follow-through. It’s all about your dream and whether you want to make it happen.” #SHMS #STRAW #BESTSupport the show: https://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Latrease Price-Gistard. Purpose of the Interview The interview aims to educate listeners on the mortgage industry, highlight the role and benefits of working with an independent mortgage broker, and provide practical advice on home financing options, credit challenges, and programs that support homeownership. It also shares Latrease’s entrepreneurial journey and lessons learned. Key Takeaways Background and Career Path Latrease has a finance degree and started in investment operations in 1999. Transitioned from auto financing and co-owning a car dealership to mortgage lending. Became an independent mortgage broker in 2022 after being laid off during rising interest rates. Role of an Independent Mortgage Broker Holds her own license and partners with multiple lenders to offer tailored loan products. Advocates for borrowers to ensure they get the right product, not just approval. Specializes in helping first-time buyers, self-employed individuals, and those with unique challenges. Home Financing Insights Reverse Mortgages: Typically for seniors 62+, often used by those 75+ with equity and limited retirement funds. Provides tax-free cash without monthly payments; debt settled upon sale or refinance. Zero Down Payment Programs: Offers up to 3% for down payment, attached to the mortgage; other programs provide up to 5% for down payment and closing costs. FHA 203K Program: Allows buyers to finance home purchase and renovations in one loan—ideal for fixer-uppers. Credit Challenges Programs exist for credit scores as low as 500, but require higher down payments (10–20%) and result in higher interest rates. Latrease consults and provides “what-if” scenarios to help clients improve credit over time. Entrepreneurial Lessons Mistakes: Starting without enough capital and a strong pipeline; economic timing matters. Advice: Build capital, secure a solid client pipeline, and understand market conditions before going independent. Notable Quotes On independence:“As a broker, you serve as that advocate for your borrower to make sure they’re getting the right loan product.” On reverse mortgages:“The beauty of it is there are no monthly payments going back to the institution. The debt is paid off when the home is sold or refinanced.” On credit challenges:“Programs go as low as 500 credit score, but those borrowers need 10–20% down.” On entrepreneurial advice:“Make sure you have strong capital and a solid pipeline before stepping out on faith.” On perseverance:“It’s all about follow-through. It’s all about your dream and whether you want to make it happen.” #SHMS #STRAW #BESTSee omnystudio.com/listener for privacy information.

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Latrease Price-Gistard. Purpose of the Interview The interview aims to educate listeners on the mortgage industry, highlight the role and benefits of working with an independent mortgage broker, and provide practical advice on home financing options, credit challenges, and programs that support homeownership. It also shares Latrease’s entrepreneurial journey and lessons learned. Key Takeaways Background and Career Path Latrease has a finance degree and started in investment operations in 1999. Transitioned from auto financing and co-owning a car dealership to mortgage lending. Became an independent mortgage broker in 2022 after being laid off during rising interest rates. Role of an Independent Mortgage Broker Holds her own license and partners with multiple lenders to offer tailored loan products. Advocates for borrowers to ensure they get the right product, not just approval. Specializes in helping first-time buyers, self-employed individuals, and those with unique challenges. Home Financing Insights Reverse Mortgages: Typically for seniors 62+, often used by those 75+ with equity and limited retirement funds. Provides tax-free cash without monthly payments; debt settled upon sale or refinance. Zero Down Payment Programs: Offers up to 3% for down payment, attached to the mortgage; other programs provide up to 5% for down payment and closing costs. FHA 203K Program: Allows buyers to finance home purchase and renovations in one loan—ideal for fixer-uppers. Credit Challenges Programs exist for credit scores as low as 500, but require higher down payments (10–20%) and result in higher interest rates. Latrease consults and provides “what-if” scenarios to help clients improve credit over time. Entrepreneurial Lessons Mistakes: Starting without enough capital and a strong pipeline; economic timing matters. Advice: Build capital, secure a solid client pipeline, and understand market conditions before going independent. Notable Quotes On independence:“As a broker, you serve as that advocate for your borrower to make sure they’re getting the right loan product.” On reverse mortgages:“The beauty of it is there are no monthly payments going back to the institution. The debt is paid off when the home is sold or refinanced.” On credit challenges:“Programs go as low as 500 credit score, but those borrowers need 10–20% down.” On entrepreneurial advice:“Make sure you have strong capital and a solid pipeline before stepping out on faith.” On perseverance:“It’s all about follow-through. It’s all about your dream and whether you want to make it happen.” #SHMS #STRAW #BESTSteve Harvey Morning Show Online: http://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

What if the loneliness you feel isn't a personal problem but a public health emergency nobody is talking about loudly enough? In this episode, Dr. Julie Radlauer, founder of Collectively, TEDx speaker, and bestselling author of CONNECT: 100 Ways to Create Happiness in Your Life, shares how 25 years working at the intersection of behavioral health and public health led her to one unavoidable conclusion: mental health is deeply shaped by social health. What changed everything wasn't a textbook or a theory. It was 50 families from across the country who looked Julie in the eye and said: we're sick of talking about the problem. Fix it. Those conversations didn't just change her research. They changed her entire mission.   [00:04:00] What She Does and Who She Serves Founder and CEO of Collectively, focused on improving the mental health narrative Works with nonprofits, governments, and academia at every level Facilitates a leadership academy for emerging nonprofit leaders [00:05:30] How She Got Here Started as a licensed mental health counselor working with low-income children and families Climbed into administration as director of children's services at a large community mental health center Started a consulting business for flexibility; ended up working even more hours as an entrepreneur [00:07:00] What Inspires Her: Prevention Over Intervention Sees a global mental health crisis and a loneliness epidemic playing out at the same time Focuses on the social aspects of life that people can actually control Wants to give leaders practical tools to prevent mental health struggles before they start [00:08:00] Client Impact: Giving Communities a Framework to Change Conducts comprehensive assessments of organizations, communities, and systems Uses data, surveys, and conversations to identify what is not working Delivers strategic reports showing exactly what needs to change and how [00:10:00] The Research That Changed Everything: 50 Families Got frustrated watching families stabilize and then cycle back into crisis months later Earned a doctorate in public health to understand prevention at the population level Conducted a national study interviewing 50 families of children in public behavioral health systems Families said: we don't want clinical support; we want family, faith, friends, and community [00:12:30] What the Families Taught Her Families challenged her directly: what are you going to do with this information? A group of parents collaborated to co-create curriculum based on what they said was needed Some of those parents now travel the country training behavioral health professionals The families didn't just change her research; they became her mission [00:16:00] The Vision Going Forward Her main client groups are nonprofits, governments, and academia; all are under serious pressure The professionals she works with are exhausted and navigating constant change Focuses on giving leaders tools to support themselves, their teams, and the people they serve [00:17:30] Resources and Final Word Visit collectivelyus.org to learn about the organization and its work Specializes in translating research into practical, accessible tools anyone can use One in three people is currently struggling with mental health; the need has never been greater   KEY QUOTES "What we need is support with our family, our faith, our friends, our community. We need to figure out how to help communities support each other." - The families, as shared by Dr. Julie Radlauer "The people I interviewed in that study changed my life. They were in the most challenging situations, and they said: fix the problem." - Dr. Julie Radlauer "I focus on the social influences of mental health: the social aspects of your life that we actually have some ability to control." - Dr. Julie Radlauer CONNECT WITH DR. JULIE RADLAUER Organization: https://www.collectivelyus.org Personal: https://www.julieradlauer.com Book: https://www.amazon.com/CONNECT-Ways-Create-Happiness-Your/dp/B0CGM51W8Q TEDx Talk: https://www.youtube.com/watch?v=_v9nJlVvKFs LinkedIn: https://www.linkedin.com/in/julie-radlauer-doerfler-drph-lmhc   Thanks for tuning in! If you liked my show, please LEAVE A 5-STAR REVIEW, like, and subscribe! Find me on: Apple Podcasts | Spotify | iHeart Radio | Stitcher

Jump in with us on Talk Cosmos this Sunday 28 JUNE at 1-2pm PDT for “ASTRO JAM MYSTERY CHARTS” Summer Solstice. Get ready for a unique online theatrical experience as we bring to life the dynamic interplay of planetary archetypes!ASTRO JAM involves eight astrologers personifying planets for an unknown ‘mystery' chart to express the chart's cosmic blueprint. Once revealed, everyone discusses how the chart related to the person or event.For our latest weekly episodes, subscribe to our newsletter on talkcosoms.com presented on YouTube, Facebook, radio, and podcasts!AMÉLIE GEBHARD: is a Berlin-based international consulting astrologer, writer, artist, speaker. She hosts a podcast, writes a monthly column for a German magazine.Trained in Psychological Astrology, Evolutionary Astrology, and AstroSynthesis. Certified by German Assn. of Astrologers. TheStarsWeAre.comISRAEL AJOSE: Dipl. Psych. of Astrology at Cntr. of Psych. Astrology, London with Liz Green. Intl. practitioner, consultant, teacher of astrology, tarot, philosophical & esoteric teachings include myth, occult, Kabbalah, shamanism, divination. Combines traditional, mediaeval, psychological, & Vedic techniques. School Certification program. AA 2025 Conf Speaker, Myth & Modernity. Past Pres., Astrological Lodge of London | https://sacredplanets.co.ukJEN SACHS: Certified Astrologer (AFA); Tarot Reader, Consultant, Speaker, Classes. Sunday weekly podcast host of Jen Sachs Astrology. Studied Spiritual Psychology, rooted in modern astrology, Jen incorporates traditional timing techniques. Website: Jensachsastrology.comJOLI KNOTT: Consulting astrologer, Reiki Master, teacher, & transformational coach for Bodhi Mindful. Studied both modern and Hellenistic astrology, now studying medieval Islamicate astrology. bodhimindful.comMARIE O'NEILL, MBA: Evolutionary Astrologer, life coach, & conference & webinar speaker, classes. Founder of Padma Life Coaching. Author of “and the Lotus Opened”. Co-hosts Kepler College YouTube series, “Let's Talk Astrology Business.” Distinguished Toastmaster (DTM). 7-yrs, Board of Dir, TEDx Sonoma Co. Wine Country Speaker member. PadmaLifeCoaching.comROBERT PACITTI: professional consulting astrologer. Specializes in vibrational and psychological techniques. Grand Pendragon in the Ancient Order of Druids in America & Dir. of the MAGUS Druid Gathering in Gore, VA. Co-Director of the Fractal Cosmos Vibrational Astrology Conf. Faculty for Centre for Relationships & Astrology. Consultations focus, Archetypal & Harmonic. Studying Vibrational Astrology with Linda Berry. Publ. Dec 2026, Deep Earth Astrology Tarot deck. Founder DeepEarthAstrology.comSEAN KELLEY: Speaker, Executive, Motivational Leadership. Focus on Digital Business since 1998. Worked with many world astrologers. Instrumental in 2000's driving business for Tarot.com. EvolutionaryAstro.comSUSIE COX: professional astrologer since 1971, interpreting over 55,000 charts. Astrologer 32 years, Canyon Ranch Health Resort; started their Metaphysics Dept, & appointed Master Astrologer, 2006. Authored eight books, including Intl. Directory of Astrologers, sold in 57 countries. Presents workshops in USA & Europe. SusieCox.comSUE ROSE MINAHAN: Evolutionary Astrologer Consultant, Writer, Speaker. Vibrational Astrology Student under Linda Berry, Dwarf Planet Univ. graduate; Kepler Astrology Toastmaster. Wine Country Speakers member. Founder Talk Cosmos, TalkCosmos.com, YouTube @TalkCosmos#TalkCosmos #AstroJam #astrology #SueRoseMinahan #JenSachs #JoliKnott #MarieONeill #SusieCox #RobertPacitti #SeanKelley #israelajose #astrologyofthesoul #PadmaLifeCoaching #DeepEarthAstrology #MagusGathering #Bodhimindful #InternationalDirectoryofAstrologers #SummerSolstice #AméliaGebhard #thestarsareweSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Jump in with us on Talk Cosmos this Sunday 28 JUNE at 1-2pm PDT for “ASTRO JAM MYSTERY CHARTS” Summer Solstice. Get ready for a unique online theatrical experience as we bring to life the dynamic interplay of planetary archetypes! ASTRO JAM involves eight astrologers personifying planets for an unknown ‘mystery' chart to express the chart's cosmic blueprint. Once revealed, everyone discusses how the chart related to the person or event. For our latest weekly episodes, subscribe to our newsletter on talkcosoms.com presented on YouTube, Facebook, radio, and podcasts! AMÉLIE GEBHARD: is a Berlin-based international consulting astrologer, writer, artist, speaker. She hosts a podcast, writes a monthly column for a German magazine.Trained in Psychological Astrology, Evolutionary Astrology, and AstroSynthesis. Certified by German Assn. of Astrologers. TheStarsWeAre.com ISRAEL AJOSE: Dipl. Psych. of Astrology at Cntr. of Psych. Astrology, London with Liz Green. Intl. practitioner, consultant, teacher of astrology, tarot, philosophical & esoteric teachings include myth, occult, Kabbalah, shamanism, divination. Combines traditional, mediaeval, psychological, & Vedic techniques. School Certification program. AA 2025 Conf Speaker, Myth & Modernity. Past Pres., Astrological Lodge of London | https://sacredplanets.co.uk JEN SACHS: Certified Astrologer (AFA); Tarot Reader, Consultant, Speaker, Classes. Sunday weekly podcast host of Jen Sachs Astrology. Studied Spiritual Psychology, rooted in modern astrology, Jen incorporates traditional timing techniques. Website: Jensachsastrology.com JOLI KNOTT: Consulting astrologer, Reiki Master, teacher, & transformational coach for Bodhi Mindful. Studied both modern and Hellenistic astrology, now studying medieval Islamicate astrology. bodhimindful.com MARIE O'NEILL, MBA: Evolutionary Astrologer, life coach, & conference & webinar speaker, classes. Founder of Padma Life Coaching. Author of “and the Lotus Opened”. Co-hosts Kepler College YouTube series, “Let's Talk Astrology Business.” Distinguished Toastmaster (DTM). 7-yrs, Board of Dir, TEDx Sonoma Co. Wine Country Speaker member. PadmaLifeCoaching.com ROBERT PACITTI: professional consulting astrologer. Specializes in vibrational and psychological techniques. Grand Pendragon in the Ancient Order of Druids in America & Dir. of the MAGUS Druid Gathering in Gore, VA. Co-Director of the Fractal Cosmos Vibrational Astrology Conf. Faculty for Centre for Relationships & Astrology. Consultations focus, Archetypal & Harmonic. Studying Vibrational Astrology with Linda Berry. Publ. Dec 2026, Deep Earth Astrology Tarot deck. Founder DeepEarthAstrology.com SEAN KELLEY: Speaker, Executive, Motivational Leadership. Focus on Digital Business since 1998. Worked with many world astrologers. Instrumental in 2000's driving business for Tarot.com. EvolutionaryAstro.com SUSIE COX: professional astrologer since 1971, interpreting over 55,000 charts. Astrologer 32 years, Canyon Ranch Health Resort; started their Metaphysics Dept, & appointed Master Astrologer, 2006. Authored eight books, including Intl. Directory of Astrologers, sold in 57 countries. Presents workshops in USA & Europe. SusieCox.com SUE ROSE MINAHAN: Evolutionary Astrologer Consultant, Writer, Speaker. Vibrational Astrology Student under Linda Berry, Dwarf Planet Univ. graduate; Kepler Astrology Toastmaster. Wine Country Speakers member. Founder Talk Cosmos, TalkCosmos.com, YouTube @TalkCosmos #TalkCosmos #AstroJam #astrology #SueRoseMinahan #JenSachs #JoliKnott #MarieONeill #SusieCox #RobertPacitti #SeanKelley #israelajose #astrologyofthesoul #PadmaLifeCoaching #DeepEarthAstrology #MagusGathering #Bodhimindful #InternationalDirectoryofAstrologers #SummerSolstice #AméliaGebhard #thestarsarewe

⏳ Does Divorce Really Take Years? | Los Angeles Divorce ⏳ Wondering if divorce always takes years to finalize in California? While some people expect long delays, most amicable divorces are completed much faster than contested cases. This video explains what causes delays, why paperwork and disagreements can slow things down, and how to keep the process moving efficiently.

⚖️ Court vs. Couples: Who Really Decides Your Divorce? | Los Angeles Divorce ⚖️ Wondering if a judge will decide everything during your divorce? In most amicable cases, spouses create their own agreements, and the court's role is usually limited to reviewing and approving them. This video explains how decisions are shared, why a judge often doesn't intervene, and how proper organization ensures your choices are respected.

The Israelites stood trapped — the Red Sea in front of them, Pharaoh's army thundering behind them. No path forward, no path back. By every human measure, they were finished. Drowning or destruction seemed like their only options. But they cried out to the Lord. And the God who hears, sees, and delivers stepped in. He didn't just make a way — He created a path no one had ever seen before. He parted the Red Sea and led His people through on dry ground, silencing every threat behind them.

Zach sits down with James and Molly Christensen, a married couple and fellow therapists based in Sacramento, who spent more than six years in couples therapy before it actually worked. They burned through eight therapists, logged over a hundred sessions, and came within reach of a marriage that had been quietly failing for years. The fact that they are now both practicing couples therapists themselves makes this conversation something rare: a behind-the-curtain look at what the struggle actually looks like from inside.The conversation gets honest fast. James names what he had to face: narcissism, manipulation, a sense of superiority, and an inability to take feedback without it threatening his identity. Molly describes her own side of the dynamic, a deeply people-pleasing, avoidant woman who had been raised to see relationships as transactional, and who spent years wondering whether her instincts about James were accurate or whether she was the one losing her mind. The turning point for both of them came in the form of an intensive with a therapist who was finally skilled enough to hold them both, call them both out in the moment, and care enough about James to be blunt with him without losing him. James started recording every session and listening back four times. By the fourth listen, he could hear himself clearly. That's when things shifted.What runs underneath this whole episode is a conviction that most couples are doing "recovery lounge" therapy, showing up, going through the motions, and feeling okay about it, without ever actually growing. James makes the case that conflict is not the problem in most marriages. Avoidance is. The goal, for both of them as clients and now as clinicians, is more conflict with less anger, which means developing the capacity to say what you actually think, to your spouse, with genuine care behind it, and to hold your ground when they push back. That's differentiation. That's the work. And if you get through it, Zach notes, the intimacy on the other side is real.Key TakeawaysFiring your therapist is sometimes the right call. If you're not making progress after significant time, the fit may be the problem, not the process.Being resistant to therapy is often not about therapy. Molly's refusal to engage was partly a refusal to let James dictate her path. Understanding the resistance tells you a lot about the relationship dynamic.Narcissism has four components worth knowing: fragility (inability to take criticism), a sense of superiority, indifference to others, and manipulation as a means of protecting a false self.The breakthrough often requires a therapist who combines genuine care with genuine bluntness. Truth without love is abusive. Love without truth is just convenient. Both together is what actually moves people.Conflict is not the enemy. Avoidance is. Couples who never fight aren't at peace, they're just not saying what they really think, and it costs them.Differentiation is the ability to stay grounded in yourself when your partner is not okay. It's not about getting them to back down. It's about whether you can hold your own truth without crumbling under pressure.The tools from research-based approaches like Gottman are only as useful as the people holding them. If underlying traits like narcissism or avoidance are untreated, the tools won't stick.When couples heal, families heal. James and Molly both note that their children have noticed the difference, and that the work they've done has changed the floor their kids are jumping from.Guest InfoJames Christensen Licensed couples therapist based in Sacramento, California. Former Air Force pilot with 22 years of military service before transitioning to therapy. Specializes in high-conflict couples using the Crucible approach. Brings his own history as a client, over six years in couples therapy, to his clinical work.Website: https://jamesmchristensen.com/Molly Christensen Associate therapist (currently under supervision), working at a nonprofit and accepting sliding scale and insurance clients. Followed James into the field after their shared experience in therapy. Brings her perspective as a former people-pleaser and avoidant partner to her work with couples.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Hosts: Ed Jones (Owner of Nutrition World) & Clint Powell A variety of topics all related to living a healthy life Presented by: Nutrition World www.nutritionw.com Broadcasting from the Nooga Dentistry Studio www.noogadentistry.com Production of: Whitfield Media Group www.vitalhealthradio.com Title: Impact of Tennessee Hemp Bill, Discussion of Polypharmacy & Deprescribing  with Dr. Curt Dearing [0:00:00] Ed's Media & Product Updates Preview of main topics: Upcoming Tennessee hemp bill and its negative impact on people using hemp for anxiety, pain, and insomnia. Dr. Curt Deering will discuss polypharmacy and deprescribing. Ed's recent appearances on multiple TV outlets (Fox Phoenix & LA, Be Well NY, CBS Detroit). Discussion of testing the AquaTru water filtration system at home as a potential recommendation (microplastics, partial fluoride removal). Mention that peptides are a growing topic; reference to Noel Lawson as go‑to for prescribed peptides [0:10:42]  Tennessee Hemp Bill & Hemp Industry Impact Introduces guest: Dwayne Madden, owner of Hemp House, as a respected local expert. As of July 1 in Tennessee: All Delta‑8 products will no longer be available for in‑state sale. Many THCA products and all vape products will be gone from shops. CBD and Delta‑9 edibles will have caps: Max 15 mg per serving. Max 300 mg per package. Dwayne notes: Heavy users (e.g., serious pain/conditions) will need to consume many servings to reach effective doses. Law doesn't limit how many packages a person can buy, so total milligrams aren't truly stopped—just made inconvenient. Dwayne explains regulatory control moved: From Tennessee Department of Agriculture (2017–2023) To the ABC (Alcoholic Beverage Commission) Board. Key impacts: All products must now go through distributors, similar to alcohol. Distributors collect taxes and sit between producers and retailers. Small operators like Dwayne cannot qualify for distributor licenses , so he must pay a distributor to move product from his own lab to his own stores. Ed frames this as “follow the money trail” and a way to crush competition. In Tennessee after July 1: No in‑state online hemp sales. Banned products (Delta‑8, etc.) not criminalized for possession or use, only for sale. Potential Workaround: Consumers can order from out‑of‑state websites (e.g., North Carolina), receive products in Tennessee Money leaves the local economy, hurting Tennessee businesses. Ed and Dwayne suggest alcohol industry is likely threatened because many people are reducing alcohol use by using hemp products instead  Dwayne notes: Alcohol sales have declined while hemp sales rose. Regulators appear to be protecting alcohol interests via hemp restrictions. [0:17:41] Federal Regulations & State Opt‑Outs Upcoming federal regulations in November: Expected to be similarly “ugly and nasty” for hemp nationwide. States will have an option to opt out of these federal hemp rules. Tennessee's stance: Governor has stated Tennessee will NOT opt out, so federal restrictions will apply here. Other states (e.g., North Carolina) might opt out, keeping their markets more open. Industry response: Advocacy groups Tennessee Growers Coalition and Hemp Law Group monitor legislation and organize pushback. Some supportive legislators exist, but political drive to reverse current law is limited. Dwayne and Ed distinguish: Reasonable regulation (ID checks, lab tests, dosage clarity, education) vs. A “wipeout/control/takeover” by shifting to ABC and forcing distributor reliance. Dwayne: Says credible local shops (Hemp House, Chattanooga peers like BeeGrity, Snapdragon, etc.) already follow high standards. States this law is not about safety but about control and revenue capture, and will hurt small farmers and businesses. [0:25:55] What Consumers Should Do Before Deadline Practical advice: Stock up now on products that will disappear: Delta‑8 gummies (popular for sleep, anxiety, pain). Other higher‑milligram THC/CBD edibles. Flower and vapes. Hemp House is running clearance sales to move remaining inventory. Dosing notes: Many people do well with ½ Delta‑8 gummy for sleep/anxiety/pain. Some need more or less; staff helps tailor doses for goals. Hemp House will close its North Shore/Tremont Street flagship store by July 1 due to expected sales hit. Remaining Hemp House locations: Ringgold Road (East Ridge) near Spring Creek. Ooltewah by Food City on Lee Highway. Hixson Pike near Workout Anytime and Publix. Broader impact: Other Chattanooga hemp businesses have large staffs (some near 100 employees) and will be heavily affected. The industry is described as grassroots, farmer‑driven, and passionately quality‑focused. [0:33:20] Polypharmacy & Deprescribing with Dr. Curt Dearing Ed introduces Dr. Curt Dearing, clinical pharmacist at Nutrition World (30+ years experience). Curt's background: Formerly fully conventional pharmacist; later “veil lifted” as he discovered green pharmacy (nutritional & botanical alternatives). Current mission: Community outreach to medical schools and residency programs Teach about nutritional and natural alternatives not covered in standard curriculums. Traditional training provides almost zero meaningful nutrition or green pharmacy education. Polypharmacy: use of 5 or more prescription medications. Curt notes: Majority of Americans 65+ meet this definition. Average American receives ~17 prescriptions per year (not all concurrent). Consequences: Increased ER visits due to drug side effects. Estimated ~250,000 deaths/year from drug‑induced causes. Curt's role: Specializes in deprescribing: safely reducing or eliminating unnecessary pharmaceuticals and replacing them with effective natural options when possible.  How Curt Works with Patients & Their Doctors Curt provides coaching, not independent prescribing. Creates detailed packets (10–18+ pages) explaining: Why certain drugs may no longer be needed. Evidence for natural alternatives (e.g., supplements, lifestyle changes). Encourages clients to take the packet to their doctor and have an informed discussion. Patients often fear how their doctors will react to attempts to deprescribe. Green Pharmacy Approach (as described by Dr. Curt Dearing) Using nutritional, botanical, and lifestyle-based therapies either instead of or alongside pharmaceuticals. Focusing on root causes and supporting the body's own healing mechanisms, not just pushing lab numbers in a certain direction. Why polypharmacy is a problem: Increases side effects, drug–drug interactions, and emergency room visits. Contributes to cognitive decline, gut problems, and overall worse health. Often leads to the “prescribing cascade”: Drug A causes side effects → a new drug is added for those side effects → more side effects → more drugs, and so on. How Dr. Curt Dearing uses green pharmacy to reduce polypharmacy: Curt creates a comprehensive list of all medications and supplements. Asks: “Why was this started?” and “Is it still needed?” Looks for: Drugs with no clear current indication. Drugs where a natural option can give similar or better benefit with fewer risks. Drugs that can be safely tapered or sometimes stopped outright (always in coordination with the prescriber). Identifies which meds are likely causing the most harm or least benefit. Some drugs require slow, structured tapering (e.g., sleep meds, acid blockers). Others may be candidates for direct discontinuation after medical agreement. Replacing or supporting with natural alternatives ( please note this is not medical advice, this is a discussion of personal examples in collaboration with medical oversight) Cholesterol: Instead of (or in place of some) statin use, Curt uses berberine and bergamot (Berbercol). In Ed's brother's case, his cholesterol numbers improved on green-pharmacy options, matching or exceeding statin outcomes without the same side‑effect burden. Pain & inflammation: Uses curcumin (for most people), and Boswellia when curcumin isn't enough. Gut/acid issues: Long-term proton pump inhibitor (PPI) use (e.g., omeprazole, lansoprazole) is flagged as harmful to gut microbiome and nutrient absorption. Curt builds step-down plans (tapering PPIs) while supporting the gut with natural measures instead of leaving people on a PPI for 30 years. Focus on side benefits, not side effects. Green pharmacy interventions are chosen because they: Address root causes (e.g., metabolic health, inflammation, gut integrity). Often have multiple positive effects (e.g., berberine helping blood sugar and lipids; curcumin helping joints and systemic inflammation). The aim is fewer total drugs, fewer side effects, better overall function. Clients are encouraged to work with their doctor, so deprescribing is: Planned, Monitored, and Integrated with their existing care. Curt and Ed both acknowledge there are situations where “rescue medicine” is necessary: Severe pain where an opioid is appropriate. Acute crises where drugs are needed as a bandage. The green pharmacy view: Use those drugs as short‑term tools, Then remove or reduce them once the immediate crisis passes, While implementing natural strategies to decrease the need for long‑term prescriptions. [0:56:26] Final Segment  At‑home HPV testing for cervical cancer Ed explains HPV is a major driver of cervical cancer Historically, women had to schedule an in‑office visit for cervical screening, which creates barriers (cost, fear, time, discomfort, lack of insurance). He notes there is now an option for at‑home HPV testing for cervical screening. Intended to increase access for women who aren't getting regular screening. Ed strongly approves of this as a valuable preventive tool and encourages women who haven't been tested to consider it. Ed cites new data showing: Microplastics are found in 100% of human stool samples tested in one study. Higher levels of microplastics are now being linked to gallstones. Broader concerns: Everyday plastic exposure (especially with food and drink) means these particles can: Interact with cells, Drive inflammation, Contribute to premature cellular aging and reduced energy. Practical countermeasures he recommends: Avoid heating food in plastic or placing hot food into plastic containers/wrap (e.g., Saran wrap, plastic take‑out containers). Filter drinking water to remove microplastics (he's trialing the AquaTru system at home, which he says removes 100% of microplastics and much of the fluoride). Improve indoor air quality to reduce airborne microplastic exposure. Ed highlights a serious, long‑term job opening at Nutrition World: Not a summer or short‑term job. Best for someone philosophically aligned with healthy eating and the “green pharmacy” approach. Interested candidates should: Go into the store and speak with Scott, Elisha, or Matt and complete an application.  The post Radio Show / Podcast – May 31, 2026 first appeared on Vital Health Radio.

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Latrease Price-Gistard. Purpose of the Interview The interview aims to educate listeners on the mortgage industry, highlight the role and benefits of working with an independent mortgage broker, and provide practical advice on home financing options, credit challenges, and programs that support homeownership. It also shares Latrease’s entrepreneurial journey and lessons learned. Key Takeaways Background and Career Path Latrease has a finance degree and started in investment operations in 1999. Transitioned from auto financing and co-owning a car dealership to mortgage lending. Became an independent mortgage broker in 2022 after being laid off during rising interest rates. Role of an Independent Mortgage Broker Holds her own license and partners with multiple lenders to offer tailored loan products. Advocates for borrowers to ensure they get the right product, not just approval. Specializes in helping first-time buyers, self-employed individuals, and those with unique challenges. Home Financing Insights Reverse Mortgages: Typically for seniors 62+, often used by those 75+ with equity and limited retirement funds. Provides tax-free cash without monthly payments; debt settled upon sale or refinance. Zero Down Payment Programs: Offers up to 3% for down payment, attached to the mortgage; other programs provide up to 5% for down payment and closing costs. FHA 203K Program: Allows buyers to finance home purchase and renovations in one loan—ideal for fixer-uppers. Credit Challenges Programs exist for credit scores as low as 500, but require higher down payments (10–20%) and result in higher interest rates. Latrease consults and provides “what-if” scenarios to help clients improve credit over time. Entrepreneurial Lessons Mistakes: Starting without enough capital and a strong pipeline; economic timing matters. Advice: Build capital, secure a solid client pipeline, and understand market conditions before going independent. Notable Quotes On independence:“As a broker, you serve as that advocate for your borrower to make sure they’re getting the right loan product.” On reverse mortgages:“The beauty of it is there are no monthly payments going back to the institution. The debt is paid off when the home is sold or refinanced.” On credit challenges:“Programs go as low as 500 credit score, but those borrowers need 10–20% down.” On entrepreneurial advice:“Make sure you have strong capital and a solid pipeline before stepping out on faith.” On perseverance:“It’s all about follow-through. It’s all about your dream and whether you want to make it happen.” #SHMS #STRAW #BESTSteve Harvey Morning Show Online: http://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

What if one person putting their neck out for you was all it took to change the entire trajectory of your life? In this episode, Nas Vou, founder of Do It Digital and host of CEO Insights, shares how a journey that started at McDonald's at age 14 led him from chronic illness and corporate sales in Australia to running a growth-focused digital agency from the Mediterranean island of Cyprus. Along the way, one man at Coca-Cola put his reputation on the line for a young, ambitious kid without a degree, and nothing was ever the same after that. Nas didn't get the role he applied for at first. He got the one below it. Then he got the one he originally wanted. Then he built a career on the back of what that one referral made possible. Today he helps B2B companies sign clients using high-converting funnels and outbound strategies, and he still sends thank-you messages to the man who made it all possible.   [00:04:00] What He Does and Who He Serves Founder of Do It Digital, helping B2B companies sign clients Specializes in outbound strategies, sales funnels, and lead generation Hosts CEO Insights podcast on Spotify, YouTube, and Apple [00:05:00] From McDonald's to the Mediterranean Started working at 14; wanted his own money and his own destiny Got sick with glandular fever and chronic fatigue early in his career Cut his teeth in sales; discovered he was naturally wired for people Spent the last eight years transitioning from coaching into agency work [00:07:00] Client Impact: From Website to Strategic Partner Started with a single website project for a consultant Client kept giving more projects as trust grew They became full strategic partners, serving the client's own clients A transactional project turned into a friendship, a partnership, and a network [00:10:20] Why Referrals Should Never Lead with Commission Leading with "send me referrals and I'll pay you" is the wrong message Referrals work because you want to deepen the relationship, not make money Your reputation travels with every person you refer Only refer people whose character and competence you can stand behind [00:13:40] The Relationship That Changed Everything: Ashon Cohen Was 19 with no degree when he asked Ashon, a Coca-Cola rep, to help him get an interview Ashon put his name and reputation on the line to get Nas in the door Nas got the role and bought a house at 22 He credits that one referral for the entire trajectory that followed [00:17:00] What That Referral Made Possible Coca-Cola gave him world-class sales training and professional development That career momentum opened doors that would have taken years otherwise He still messages Ashon on LinkedIn to say thank you His belief: sometimes all you need is one person to give you a chance [00:21:40] When the Student Is Ready Serendipity in relationships happens when you are ready to receive it Trust of character plus trust of competence equals zero friction People who have been in the right rooms think about relationships differently Values alignment is what makes connections last across distance and time [00:26:00] One 26-Minute Conversation, Four Incredible People Had Craig Ballantyne on his podcast; one conversation led to four connections Kevin was the fourth or fifth person to come from that single introduction Geography stopped mattering once shared values were in place Podcasts and communities are how you scale one-to-one relationship building [00:29:00] Closing Thought: Deepen What You Already Have Ask yourself: how can you deepen the relationships you already have? Moving countries showed him how quickly you can lose the networks you relied on Consistent conversations keep connections alive across distance and time   KEY QUOTES "Trust of character and trust of competence. When those two trusts are there, there's zero friction and things can just flow." - Nas Vou "Without people, nothing really matters. As long as humans are around, people will always need people." - Nas Vou CONNECT WITH NAS VOU Website: https://www.doitdigital.agency LinkedIn: https://www.linkedin.com/in/nasvou Facebook: https://www.facebook.com/nas.vou   Thanks for tuning in! If you liked my show, please LEAVE A 5-STAR REVIEW, like, and subscribe! Find me on: Apple Podcasts | Spotify | iHeart Radio | Stitcher

An airhacks.fm conversation with Martin Kouba (@martunek) about: ZX Spectrum Didaktik clone, Basic listings from ABC magazine, Laser Squad and Wall Breaker games, writing a Pascal fantasy strategy game called Fury as a teenager, first Java 1.4 contact at university, pushing Java 5 annotations against XML configuration in a first telco job, OC4J as Oracle Application Server with Orion lineage, switching to JBoss, seam framework as glue between backend and frontend, Hibernate, reporting a Seam security issue and being invited to Red Hat, CDI TCK migration from JBoss Test Harness to arquillian and from Subversion to GitHub, writing CDI and Bean Validation TCK with XML-based assertion extraction from the specification text, normative specifications producing high-quality LLM code generation for CDI, JAX-RS and JPA, prototype-first approach to writing API specifications, deprecation annotations needing since-version, removal-version and replacement, asynchronous CDI events and fireAsync, transactional observers, Java SE CDI container standardization and its removal from the MicroProfile Core profile, joining the Quarkus team from day one, building ArC as the build-time CDI implementation, why @Specializes is not supported in Quarkus, Qute templating library, Quarkus WebSocket Next and the limits of the Jakarta WebSocket API, Quarkus scheduler with Duration-based intervals, Quartz integration, Quarkus component test based on Weld JUnit, MCP Java SE STDIO server with zero dependencies using ServiceLoader and Function, building the Quarkiverse MCP server from the first MCP specification version, the missing MCP TCK and the new conformance test suite Martin Kouba on twitter: @martunek

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Latrease Price-Gistard. Purpose of the Interview The interview aims to educate listeners on the mortgage industry, highlight the role and benefits of working with an independent mortgage broker, and provide practical advice on home financing options, credit challenges, and programs that support homeownership. It also shares Latrease’s entrepreneurial journey and lessons learned. Key Takeaways Background and Career Path Latrease has a finance degree and started in investment operations in 1999. Transitioned from auto financing and co-owning a car dealership to mortgage lending. Became an independent mortgage broker in 2022 after being laid off during rising interest rates. Role of an Independent Mortgage Broker Holds her own license and partners with multiple lenders to offer tailored loan products. Advocates for borrowers to ensure they get the right product, not just approval. Specializes in helping first-time buyers, self-employed individuals, and those with unique challenges. Home Financing Insights Reverse Mortgages: Typically for seniors 62+, often used by those 75+ with equity and limited retirement funds. Provides tax-free cash without monthly payments; debt settled upon sale or refinance. Zero Down Payment Programs: Offers up to 3% for down payment, attached to the mortgage; other programs provide up to 5% for down payment and closing costs. FHA 203K Program: Allows buyers to finance home purchase and renovations in one loan—ideal for fixer-uppers. Credit Challenges Programs exist for credit scores as low as 500, but require higher down payments (10–20%) and result in higher interest rates. Latrease consults and provides “what-if” scenarios to help clients improve credit over time. Entrepreneurial Lessons Mistakes: Starting without enough capital and a strong pipeline; economic timing matters. Advice: Build capital, secure a solid client pipeline, and understand market conditions before going independent. Notable Quotes On independence:“As a broker, you serve as that advocate for your borrower to make sure they’re getting the right loan product.” On reverse mortgages:“The beauty of it is there are no monthly payments going back to the institution. The debt is paid off when the home is sold or refinanced.” On credit challenges:“Programs go as low as 500 credit score, but those borrowers need 10–20% down.” On entrepreneurial advice:“Make sure you have strong capital and a solid pipeline before stepping out on faith.” On perseverance:“It’s all about follow-through. It’s all about your dream and whether you want to make it happen.” #SHMS #STRAW #BESTSupport the show: https://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Sonia Balfour Fears. Purpose of the Interview The interview aims to educate listeners on the mortgage industry, highlight the role and benefits of working with an independent mortgage broker, and provide practical advice on home financing options, credit challenges, and programs that support homeownership. It also shares Latrease’s entrepreneurial journey and lessons learned. Key Takeaways Background and Career Path Latrease has a finance degree and started in investment operations in 1999. Transitioned from auto financing and co-owning a car dealership to mortgage lending. Became an independent mortgage broker in 2022 after being laid off during rising interest rates. Role of an Independent Mortgage Broker Holds her own license and partners with multiple lenders to offer tailored loan products. Advocates for borrowers to ensure they get the right product, not just approval. Specializes in helping first-time buyers, self-employed individuals, and those with unique challenges. Home Financing Insights Reverse Mortgages: Typically for seniors 62+, often used by those 75+ with equity and limited retirement funds. Provides tax-free cash without monthly payments; debt settled upon sale or refinance. Zero Down Payment Programs: Offers up to 3% for down payment, attached to the mortgage; other programs provide up to 5% for down payment and closing costs. FHA 203K Program: Allows buyers to finance home purchase and renovations in one loan—ideal for fixer-uppers. Credit Challenges Programs exist for credit scores as low as 500, but require higher down payments (10–20%) and result in higher interest rates. Latrease consults and provides “what-if” scenarios to help clients improve credit over time. Entrepreneurial Lessons Mistakes: Starting without enough capital and a strong pipeline; economic timing matters. Advice: Build capital, secure a solid client pipeline, and understand market conditions before going independent. Notable Quotes On independence:“As a broker, you serve as that advocate for your borrower to make sure they’re getting the right loan product.” On reverse mortgages:“The beauty of it is there are no monthly payments going back to the institution. The debt is paid off when the home is sold or refinanced.” On credit challenges:“Programs go as low as 500 credit score, but those borrowers need 10–20% down.” On entrepreneurial advice:“Make sure you have strong capital and a solid pipeline before stepping out on faith.” On perseverance:“It’s all about follow-through. It’s all about your dream and whether you want to make it happen.” #SHMS #STRAW #BESTSupport the show: https://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

Iran fires a missile and hits a U.S. Destroyer near Jask Island. The U.S. begins Operation Freedom escort service, but Lloyds of London says…. You are NOT insured if you are hit. How many will take that risk? Trump’s Big Beautiful Ballroom LIE. The Proof….. A data and Command Center is going to be built by Clark Construction who Specializes in building CRITICAL Infrastructures….. Bomb Shelters. NO dancing in this 90,000 Square Foot Ballroom. How many lies are you aware of from Donald Trump?

Wesley Rowlands helps business owners build long-term net worth through strategic investing and disciplined financial planning. With nearly 20 years of experience across Wall Street, consulting, and private wealth management, Wesley specializes in translating complex financial strategies into clear, actionable guidance that supports sustainable wealth growth.

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Latrease Price-Gistard. Purpose of the Interview The interview aims to educate listeners on the mortgage industry, highlight the role and benefits of working with an independent mortgage broker, and provide practical advice on home financing options, credit challenges, and programs that support homeownership. It also shares Latrease’s entrepreneurial journey and lessons learned. Key Takeaways Background and Career Path Latrease has a finance degree and started in investment operations in 1999. Transitioned from auto financing and co-owning a car dealership to mortgage lending. Became an independent mortgage broker in 2022 after being laid off during rising interest rates. Role of an Independent Mortgage Broker Holds her own license and partners with multiple lenders to offer tailored loan products. Advocates for borrowers to ensure they get the right product, not just approval. Specializes in helping first-time buyers, self-employed individuals, and those with unique challenges. Home Financing Insights Reverse Mortgages: Typically for seniors 62+, often used by those 75+ with equity and limited retirement funds. Provides tax-free cash without monthly payments; debt settled upon sale or refinance. Zero Down Payment Programs: Offers up to 3% for down payment, attached to the mortgage; other programs provide up to 5% for down payment and closing costs. FHA 203K Program: Allows buyers to finance home purchase and renovations in one loan—ideal for fixer-uppers. Credit Challenges Programs exist for credit scores as low as 500, but require higher down payments (10–20%) and result in higher interest rates. Latrease consults and provides “what-if” scenarios to help clients improve credit over time. Entrepreneurial Lessons Mistakes: Starting without enough capital and a strong pipeline; economic timing matters. Advice: Build capital, secure a solid client pipeline, and understand market conditions before going independent. Notable Quotes On independence:“As a broker, you serve as that advocate for your borrower to make sure they’re getting the right loan product.” On reverse mortgages:“The beauty of it is there are no monthly payments going back to the institution. The debt is paid off when the home is sold or refinanced.” On credit challenges:“Programs go as low as 500 credit score, but those borrowers need 10–20% down.” On entrepreneurial advice:“Make sure you have strong capital and a solid pipeline before stepping out on faith.” On perseverance:“It’s all about follow-through. It’s all about your dream and whether you want to make it happen.” #SHMS #STRAW #BESTSee omnystudio.com/listener for privacy information.

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Latrease Price-Gistard. Purpose of the Interview The interview aims to educate listeners on the mortgage industry, highlight the role and benefits of working with an independent mortgage broker, and provide practical advice on home financing options, credit challenges, and programs that support homeownership. It also shares Latrease’s entrepreneurial journey and lessons learned. Key Takeaways Background and Career Path Latrease has a finance degree and started in investment operations in 1999. Transitioned from auto financing and co-owning a car dealership to mortgage lending. Became an independent mortgage broker in 2022 after being laid off during rising interest rates. Role of an Independent Mortgage Broker Holds her own license and partners with multiple lenders to offer tailored loan products. Advocates for borrowers to ensure they get the right product, not just approval. Specializes in helping first-time buyers, self-employed individuals, and those with unique challenges. Home Financing Insights Reverse Mortgages: Typically for seniors 62+, often used by those 75+ with equity and limited retirement funds. Provides tax-free cash without monthly payments; debt settled upon sale or refinance. Zero Down Payment Programs: Offers up to 3% for down payment, attached to the mortgage; other programs provide up to 5% for down payment and closing costs. FHA 203K Program: Allows buyers to finance home purchase and renovations in one loan—ideal for fixer-uppers. Credit Challenges Programs exist for credit scores as low as 500, but require higher down payments (10–20%) and result in higher interest rates. Latrease consults and provides “what-if” scenarios to help clients improve credit over time. Entrepreneurial Lessons Mistakes: Starting without enough capital and a strong pipeline; economic timing matters. Advice: Build capital, secure a solid client pipeline, and understand market conditions before going independent. Notable Quotes On independence:“As a broker, you serve as that advocate for your borrower to make sure they’re getting the right loan product.” On reverse mortgages:“The beauty of it is there are no monthly payments going back to the institution. The debt is paid off when the home is sold or refinanced.” On credit challenges:“Programs go as low as 500 credit score, but those borrowers need 10–20% down.” On entrepreneurial advice:“Make sure you have strong capital and a solid pipeline before stepping out on faith.” On perseverance:“It’s all about follow-through. It’s all about your dream and whether you want to make it happen.” #SHMS #STRAW #BESTSee omnystudio.com/listener for privacy information.

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Latrease Price-Gistard. Purpose of the Interview The interview aims to educate listeners on the mortgage industry, highlight the role and benefits of working with an independent mortgage broker, and provide practical advice on home financing options, credit challenges, and programs that support homeownership. It also shares Latrease’s entrepreneurial journey and lessons learned. Key Takeaways Background and Career Path Latrease has a finance degree and started in investment operations in 1999. Transitioned from auto financing and co-owning a car dealership to mortgage lending. Became an independent mortgage broker in 2022 after being laid off during rising interest rates. Role of an Independent Mortgage Broker Holds her own license and partners with multiple lenders to offer tailored loan products. Advocates for borrowers to ensure they get the right product, not just approval. Specializes in helping first-time buyers, self-employed individuals, and those with unique challenges. Home Financing Insights Reverse Mortgages: Typically for seniors 62+, often used by those 75+ with equity and limited retirement funds. Provides tax-free cash without monthly payments; debt settled upon sale or refinance. Zero Down Payment Programs: Offers up to 3% for down payment, attached to the mortgage; other programs provide up to 5% for down payment and closing costs. FHA 203K Program: Allows buyers to finance home purchase and renovations in one loan—ideal for fixer-uppers. Credit Challenges Programs exist for credit scores as low as 500, but require higher down payments (10–20%) and result in higher interest rates. Latrease consults and provides “what-if” scenarios to help clients improve credit over time. Entrepreneurial Lessons Mistakes: Starting without enough capital and a strong pipeline; economic timing matters. Advice: Build capital, secure a solid client pipeline, and understand market conditions before going independent. Notable Quotes On independence:“As a broker, you serve as that advocate for your borrower to make sure they’re getting the right loan product.” On reverse mortgages:“The beauty of it is there are no monthly payments going back to the institution. The debt is paid off when the home is sold or refinanced.” On credit challenges:“Programs go as low as 500 credit score, but those borrowers need 10–20% down.” On entrepreneurial advice:“Make sure you have strong capital and a solid pipeline before stepping out on faith.” On perseverance:“It’s all about follow-through. It’s all about your dream and whether you want to make it happen.” #SHMS #STRAW #BESTSteve Harvey Morning Show Online: http://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Latrease Price-Gistard. Purpose of the Interview The interview aims to educate listeners on the mortgage industry, highlight the role and benefits of working with an independent mortgage broker, and provide practical advice on home financing options, credit challenges, and programs that support homeownership. It also shares Latrease’s entrepreneurial journey and lessons learned. Key Takeaways Background and Career Path Latrease has a finance degree and started in investment operations in 1999. Transitioned from auto financing and co-owning a car dealership to mortgage lending. Became an independent mortgage broker in 2022 after being laid off during rising interest rates. Role of an Independent Mortgage Broker Holds her own license and partners with multiple lenders to offer tailored loan products. Advocates for borrowers to ensure they get the right product, not just approval. Specializes in helping first-time buyers, self-employed individuals, and those with unique challenges. Home Financing Insights Reverse Mortgages: Typically for seniors 62+, often used by those 75+ with equity and limited retirement funds. Provides tax-free cash without monthly payments; debt settled upon sale or refinance. Zero Down Payment Programs: Offers up to 3% for down payment, attached to the mortgage; other programs provide up to 5% for down payment and closing costs. FHA 203K Program: Allows buyers to finance home purchase and renovations in one loan—ideal for fixer-uppers. Credit Challenges Programs exist for credit scores as low as 500, but require higher down payments (10–20%) and result in higher interest rates. Latrease consults and provides “what-if” scenarios to help clients improve credit over time. Entrepreneurial Lessons Mistakes: Starting without enough capital and a strong pipeline; economic timing matters. Advice: Build capital, secure a solid client pipeline, and understand market conditions before going independent. Notable Quotes On independence:“As a broker, you serve as that advocate for your borrower to make sure they’re getting the right loan product.” On reverse mortgages:“The beauty of it is there are no monthly payments going back to the institution. The debt is paid off when the home is sold or refinanced.” On credit challenges:“Programs go as low as 500 credit score, but those borrowers need 10–20% down.” On entrepreneurial advice:“Make sure you have strong capital and a solid pipeline before stepping out on faith.” On perseverance:“It’s all about follow-through. It’s all about your dream and whether you want to make it happen.” #SHMS #STRAW #BESTSteve Harvey Morning Show Online: http://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

For the March Teaming Against Trauma Podcast, Anna-Claire chatted with Kali and Amelia- two amazing therapists/forensic interviewers from our clinical team - about body safety! Listen to learn about what KPCAC offers to keep children safe and how parents/caregivers can start the conversation early with the children in their care and keep it going through the teen years. Recommended Books: Ages 3-8 My Body Belongs To Me: By Jill Starishevsky : Uses simple, reassuring language to teach children that their body belongs to them and that they have the right to say no to unwanted touch. I Said No! By Kimberly King : Written from a kid's perspective; very relatable and empowering. My Body! What I Say Goes! By Jayneen Sanders : Teaches children about body autonomy, safe vs. unsafe touches, and the power of saying “no” in a very fun, engaging way. Recommended Websites National Children's Advocacy Center-www.nationalcac.org : Offers resources for parents, caregivers, and educators on preventing child abuse and talking to kids about body safety. Provides training, guidance for disclosures, and community support programs. Great for learning how to respond if a child shares something concerning. Darkness to Light-www.d2l.org : Provides practical, easy-to-follow training for parents, caregivers, and communities. Focuses on prevention, recognizing warning signs, and teaching kids about boundaries and body safety in a calm, empowering way.  National Children's Alliance-www.nationalchildrensalliance.org : Focuses on supporting child advocacy centers across the country. Offers resources and guidance for parents on child protection, safety education, and navigating the legal and support systems if abuse occurs.  Stop It Now!-www.stopitnow.org : Specializes in prevention and education. Provides tips for talking to children about body safety, recognizing early warning signs, and building safe environments.    Want to learn more about KPCAC?Visit kayphillipscac.org

The MidPacker Pod is part of the Freetrail network of Podcasts.Join the Newsletter at: ⁠MidPack Musings SubStack⁠⁠Support the MidPacker Pod on ⁠Patreon⁠.⁠Check Out MPP Merch Make sure you leave us a rating and review wherever you get your pods.Looking for 1:1 Ultra Running Coaching? Check out Troy's Coaching PageSTOKED TO PARTNER WITH  HYPERLYTE LIQUID PERFORMANCE - 10% off your orderTRAINING PEAKS - 20% off a premium annual subscriptionPLAY ON RELIEF - 20% off your first orderVACATION RACES - 15% off any Ultra, Half Marathon, or TrailfestUSE PROMO CODE MIDPACKER FOR A SWEET DISCOUNTWAHOO FITNESS -  Use Code MIDPACK: When you pick up a Wahoo KICKR RUN get a free TRACKR Heart Rate Monitor chest strap. Remember to add the TRACKR to the cart and the code will apply to discount.“It's not about the FKT… it's about surviving the adventure.”Cody Taylor's story is one of reinvention, grit, and going all-in on a new path. A former touring drummer whose music career came to a halt during the pandemic, Cody found a new outlet in running, and didn't just dip his toes in…he dove headfirst into the deep end . What started as a way to cope quickly turned into a passion for extreme endurance.Transitioned from musician to endurance athlete during the pandemicSet FKT on the Bruce Trail (900km) and the International Appalachian Trail (650km, 85,000 ft gain)Specializes in unsupported efforts—carrying all gear, filtering water, and surviving soloLearned through raw experience—trial by fire, adapting on the fly, and solving problems in real timeNow coaching athletes through New Normal, helping everyday runners reach big goalsCody's approach is simple but powerful: do hard things, learn fast, and keep showing up. His journey is a reminder that it's never too late to pivot, and that growth lives just outside your comfort zone.Cody's LinksIG: @codytaylorperformanceWebsite: https://findyournewnormal.caRelevant Linkshttps://findyournewnormal.cahttps://fastestknowntime.com/athlete/cody-taylorhttps://brucetrail.orghttps://www.sia-iat.comPartner Links: Hyerlyte Liquid Performance - https://www.hyperlyteliquidperformance.comMade by the ultra-endurance athlete, for the ultra-endurance athlete.More Carbs, More Dirt, More Miles.Check them out at hyperlyteliquidperformance.comUse the code MIDPACKER for 10% off your individual order and 10% off your first subscription order.PlayOn Relief - https://playonrelief.comProven Pain Relief for People Who Refuse to Stop!All Natural, Fast Acting, Long Lasting, Targeted ReliefUse MIDPACKER for 20% off your first orderTraining Peaks A training app as versatile as you. Start your free trial at  https://www.trainingpeaks.com/midpackerUse MIDPACKER at checkout for 20% off an Annual Premium SubscriptionVacation Races - https://www.vacationraces.comEpic Races on public lands near the most iconic National Park in the US.Use MIDPACKER at checkout for 15% the registration of any Ultra, Half, or TrailfestWahoo Fitness - https://www.wahoofitness.comKICKR RUN invites the rhythm, flow, and freedom of outdoor running inside.It's not running indoors. It's running, reimagined.Run Your WayBuy the Wahoo KICKR RUN use code MIDPACK to get a free TRACKR Heart Rate Monitor chest strap. Remember to add the TRACKR to the cart and the code will apply to discount.⁠Run Trail Life⁠ - https://runtraillife.comFind Official MPP Merch on RTL!!Use MIDPACKERPOD to double the donation from your purchase. Visit RunTrailLife.com to check out our line of Hats and Organic cotton T's.⁠Freetrail⁠ - https://freetrail.comVisit Freetrail.com to sign up today.Cody Taylor, FKT, Bruce Trail, International Appalachian Trail, unsupported running, ultra running, endurance adventure, trail running, New Normal coaching, resilience, mindset, entrepreneurship, trail community, ultra endurance

What if the person who transformed your entire career is also someone you haven't spoken to in seven years? In this episode, Ryan Ellefsen shares how he helps businesses take credit cards, lower processing fees, and protect their revenue as VP of EasyPay Direct, a merchant services company he recently joined after 20 years in the industry. EasyPay serves coaches, consultants, speakers, and internet marketers,  processing payments for names like Tony Robbins, Grant Cardone, and Frank Kern across 34 US locations. Ryan built his career expertise under the mentorship of Steve Thorne, CEO of NMR (National Marketing Resources), eventually rising from Processing Manager to VP and co-building what became Platinum Payment Systems. Today, Ryan is known for his transparent, relationship-first approach to merchant services — always insisting on a face-to-face conversation before onboarding any client, no matter how small. Ryan honors Steve Thorne, the man who hired him at $70,000/year when he was making $23,400 as a Spanish teacher in Utah. Phil Smith introduced Ryan to Steve while both were in an MBA program, and Steve believed in Ryan enough to bring him into NMR, where Ryan spent 10 transformative years climbing from Processing Manager all the way to VP. Under Steve's roof, Ryan co-built a merchant processing company that eventually merged into Platinum Payment Systems.   [00:03:41] Reconnected Through a Mutual Friend Kevin and Ryan originally met years ago at Genius Network Recently reconnected via mutual friend Anthony Simon through an email introduction Neither realized in the intro email that they already knew each other [00:03:51] VP of EasyPay Direct: What He Does and Who He Serves Merchant services company helping businesses accept credit cards and get funding Specializes in the coach, consultant, speaker, author, and internet marketing space Serves major names like Tony Robbins, Grant Cardone, and Frank Kern Recently joined after 20 years in the industry; he and CEO Brad Weimert were friendly competitors for two decades [00:05:04] EasyPay vs. PayPal: The Key Difference PayPal is better for card-present transactions like retail stores EasyPay specializes in card-not-present, high-risk: coaching, big-ticket packages, phone sales High-risk means future fulfillment over time, high-ticket pricing, sold over the phone Premier company in the country for internet marketing and coaching businesses [00:07:55] What Inspires Ryan Most: Giving People a Fair Deal Has an affinity for the person being ripped off by hidden fees Philosophy: everybody can win — a 10-year relationship beats a 6-month windfall Sometimes helps small businesses where he makes almost nothing — and loves it Tries to learn something from every single conversation [00:13:02] How EasyPay Lowers Your Rates Over Time EasyPay has its own gateway to manage multiple banks from a single login Uses Level 3 Advantage and tokenization to lower interchange rates Can lower interchange by up to 75 basis points (0.75%) EasyPay's margin stays fixed; all savings go directly to the client [00:18:40] The Industry's Dirty Secret: Watch Your Statements Processors can legally raise your rates by burying notice in statement fine print Not calling to cancel is considered acceptance of new terms They raise rates 5 –10 basis points at a time. Visa changes rates every six months and they go up more often than down [00:26:15] Started as a Spanish Teacher Making $23,400 a Year Graduated college, went on a church mission to South America from 1991 to 1993 Came back, majored in Spanish teaching, played sports, had fun First teaching job in Utah in 1997 paid $23,400/year Started a carpet cleaning business in school that eventually made 10x his teaching salary [00:28:00] Phil Smith Introduces Ryan to Steve Thorne Met Phil Smith in his MBA cohort Phil introduced him to Steve Thorne, CEO of NMR (National Marketing Resources) in Kearney, Missouri Steve hired Ryan as Processing Manager at $70,000/year nearly triple his teaching salary His bonus in year two was bigger than his entire teaching salary [00:29:05] Ten Years at NMR: From Manager to VP Progressed from Processing Manager → Director → Managing Director → VP NMR and sister company PMI did infomercial production for Dean Graziosi, Anthony Morrison, and others Did hundreds of millions in coaching and big-ticket event sales Ryan pitched starting a merchant processing company; Steve challenged him to make it a million-dollar idea. [00:30:31] When a Great Relationship Fractures Ryan and Steve haven't spoken in seven years following a lawsuit Ended in a no-fault settlement — neither side got what they wanted Ryan still considers Steve one of the best, most honest people he's ever met "If he ever catches wind of this podcast… I would welcome that" [00:35:20] What Steve's Mentorship Still Looks Like Today After the split, became VP of a digital marketing company within 6 months Core lesson from Steve: how to treat people with genuine sincerity "Nobody who's ever met Steve Thorn dislikes Steve Thorn" Attributes his versatility and confidence across industries entirely to Steve's tutelage   KEY QUOTES "My philosophy is that everybody can win. If you can set up a relationship that makes some money for the next 10 years, that's way better than a relationship that makes you a whole bunch of money for six months." - Ryan Ellefsen "Steve Thorn transformed my life. If he hadn't given me that opportunity, I wouldn't be where I am today and I wouldn't have what I have today." - Ryan Ellefsen "Nobody who's ever met Steve Thorn dislikes Steve Thorn. He's sincere. He's a good guy and he just knows how to treat people. And so I learned a lot from him in that regard." - Ryan Ellefsen CONNECT WITH RYAN ELLEFSEN

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Latrease Price-Gistard. Purpose of the Interview The interview aims to educate listeners on the mortgage industry, highlight the role and benefits of working with an independent mortgage broker, and provide practical advice on home financing options, credit challenges, and programs that support homeownership. It also shares Latrease’s entrepreneurial journey and lessons learned. Key Takeaways Background and Career Path Latrease has a finance degree and started in investment operations in 1999. Transitioned from auto financing and co-owning a car dealership to mortgage lending. Became an independent mortgage broker in 2022 after being laid off during rising interest rates. Role of an Independent Mortgage Broker Holds her own license and partners with multiple lenders to offer tailored loan products. Advocates for borrowers to ensure they get the right product, not just approval. Specializes in helping first-time buyers, self-employed individuals, and those with unique challenges. Home Financing Insights Reverse Mortgages: Typically for seniors 62+, often used by those 75+ with equity and limited retirement funds. Provides tax-free cash without monthly payments; debt settled upon sale or refinance. Zero Down Payment Programs: Offers up to 3% for down payment, attached to the mortgage; other programs provide up to 5% for down payment and closing costs. FHA 203K Program: Allows buyers to finance home purchase and renovations in one loan—ideal for fixer-uppers. Credit Challenges Programs exist for credit scores as low as 500, but require higher down payments (10–20%) and result in higher interest rates. Latrease consults and provides “what-if” scenarios to help clients improve credit over time. Entrepreneurial Lessons Mistakes: Starting without enough capital and a strong pipeline; economic timing matters. Advice: Build capital, secure a solid client pipeline, and understand market conditions before going independent. Notable Quotes On independence:“As a broker, you serve as that advocate for your borrower to make sure they’re getting the right loan product.” On reverse mortgages:“The beauty of it is there are no monthly payments going back to the institution. The debt is paid off when the home is sold or refinanced.” On credit challenges:“Programs go as low as 500 credit score, but those borrowers need 10–20% down.” On entrepreneurial advice:“Make sure you have strong capital and a solid pipeline before stepping out on faith.” On perseverance:“It’s all about follow-through. It’s all about your dream and whether you want to make it happen.” #SHMS #STRAW #BESTSupport the show: https://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Latrease Price-Gistard. Purpose of the Interview The interview aims to educate listeners on the mortgage industry, highlight the role and benefits of working with an independent mortgage broker, and provide practical advice on home financing options, credit challenges, and programs that support homeownership. It also shares Latrease’s entrepreneurial journey and lessons learned. Key Takeaways Background and Career Path Latrease has a finance degree and started in investment operations in 1999. Transitioned from auto financing and co-owning a car dealership to mortgage lending. Became an independent mortgage broker in 2022 after being laid off during rising interest rates. Role of an Independent Mortgage Broker Holds her own license and partners with multiple lenders to offer tailored loan products. Advocates for borrowers to ensure they get the right product, not just approval. Specializes in helping first-time buyers, self-employed individuals, and those with unique challenges. Home Financing Insights Reverse Mortgages: Typically for seniors 62+, often used by those 75+ with equity and limited retirement funds. Provides tax-free cash without monthly payments; debt settled upon sale or refinance. Zero Down Payment Programs: Offers up to 3% for down payment, attached to the mortgage; other programs provide up to 5% for down payment and closing costs. FHA 203K Program: Allows buyers to finance home purchase and renovations in one loan—ideal for fixer-uppers. Credit Challenges Programs exist for credit scores as low as 500, but require higher down payments (10–20%) and result in higher interest rates. Latrease consults and provides “what-if” scenarios to help clients improve credit over time. Entrepreneurial Lessons Mistakes: Starting without enough capital and a strong pipeline; economic timing matters. Advice: Build capital, secure a solid client pipeline, and understand market conditions before going independent. Notable Quotes On independence:“As a broker, you serve as that advocate for your borrower to make sure they’re getting the right loan product.” On reverse mortgages:“The beauty of it is there are no monthly payments going back to the institution. The debt is paid off when the home is sold or refinanced.” On credit challenges:“Programs go as low as 500 credit score, but those borrowers need 10–20% down.” On entrepreneurial advice:“Make sure you have strong capital and a solid pipeline before stepping out on faith.” On perseverance:“It’s all about follow-through. It’s all about your dream and whether you want to make it happen.” #SHMS #STRAW #BESTSee omnystudio.com/listener for privacy information.

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Latrease Price-Gistard. Purpose of the Interview The interview aims to educate listeners on the mortgage industry, highlight the role and benefits of working with an independent mortgage broker, and provide practical advice on home financing options, credit challenges, and programs that support homeownership. It also shares Latrease’s entrepreneurial journey and lessons learned. Key Takeaways Background and Career Path Latrease has a finance degree and started in investment operations in 1999. Transitioned from auto financing and co-owning a car dealership to mortgage lending. Became an independent mortgage broker in 2022 after being laid off during rising interest rates. Role of an Independent Mortgage Broker Holds her own license and partners with multiple lenders to offer tailored loan products. Advocates for borrowers to ensure they get the right product, not just approval. Specializes in helping first-time buyers, self-employed individuals, and those with unique challenges. Home Financing Insights Reverse Mortgages: Typically for seniors 62+, often used by those 75+ with equity and limited retirement funds. Provides tax-free cash without monthly payments; debt settled upon sale or refinance. Zero Down Payment Programs: Offers up to 3% for down payment, attached to the mortgage; other programs provide up to 5% for down payment and closing costs. FHA 203K Program: Allows buyers to finance home purchase and renovations in one loan—ideal for fixer-uppers. Credit Challenges Programs exist for credit scores as low as 500, but require higher down payments (10–20%) and result in higher interest rates. Latrease consults and provides “what-if” scenarios to help clients improve credit over time. Entrepreneurial Lessons Mistakes: Starting without enough capital and a strong pipeline; economic timing matters. Advice: Build capital, secure a solid client pipeline, and understand market conditions before going independent. Notable Quotes On independence:“As a broker, you serve as that advocate for your borrower to make sure they’re getting the right loan product.” On reverse mortgages:“The beauty of it is there are no monthly payments going back to the institution. The debt is paid off when the home is sold or refinanced.” On credit challenges:“Programs go as low as 500 credit score, but those borrowers need 10–20% down.” On entrepreneurial advice:“Make sure you have strong capital and a solid pipeline before stepping out on faith.” On perseverance:“It’s all about follow-through. It’s all about your dream and whether you want to make it happen.” #SHMS #STRAW #BESTSteve Harvey Morning Show Online: http://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

Industrial Talk is onsite at MD&M West and talking to Frederic Borne, VP at Resonetics about "Medtech manufacturing and microfabrication solutions". Fred Borne, a physics engineer and leader at Resonetics, discussed the company's expertise in medtech manufacturing, particularly in interventional cardiology, advanced diagnostics, minimally invasive surgeries, and bioelectronics. Resonetics specializes in microfabrication, including laser micromachining, and has expanded its capabilities through acquisitions, such as MemorySays for nitinol production. Borne highlighted the company's role in developing fiber optic sensors and implantable batteries, emphasizing their applications in neuromodulation and cardiac devices. He also touched on the potential of brain-computer interfaces and the future of neuromodulation technology. Outline MD&M West Event Introduction Industrial Talk, sponsored by MD&M West and the News and Brews team.Highlights the importance of MD&M West in delivering medtech automation, packaging, plastics, and design under one roof.Emphasizes the innovation, energy, and conversation at the event.Thanks the listeners for tuning in and celebrating the people driving industrial innovation. Welcome to Industrial Talk Podcast Scott reiterates the podcast's dedication to celebrating industry professionals worldwide.Encourages listeners to put MD&M West on their calendar for next year.Mentions the importance of meeting people like Fred Borne at the event. Introduction of Fred Borne Fred shares his background as a physics engineer specializing in fiber optics.Mentions his education at Laval University in Quebec City, one of the top photonics optics schools in North America.Discusses his career in fiber optics and the acquisition of memory says by Resonetics. Resonetics and Market Solutions Fred explains that Resonetics is a top 10 contract design manufacturing company for the medtech industry.Specializes in interventional cardiology, advanced diagnostics, minimally invasive surgeries, and bioelectronics.Highlights the company's expertise in microfabrication and the acquisition of memory says for the production of nitinol.Discusses the company's ability to provide micro components of nitinol, stainless steel, and other materials. Microfabrication and Medical Applications Scott and Fred discuss the concept of microfabrication and its applications in medical devices.Fred explains the use of laser micro machining for creating extremely small components.Mentions the company's ability to handle various materials and the importance of precision in their work.Discusses the challenges and innovations in the medical device manufacturing process. Fiber Optic Sensors and Medical Implantable Batteries Fred explains his role at Resonetics, managing the fiber optic sensors and medical implantable batteries divisions.Discusses the use of fiber optic sensors in blood pressure monitoring and other medical devices.Highlights the applications of fiber optic sensors in diagnostics and heart pumps.Explains the use of medical implantable batteries in cardiac applications and neuromodulation devices. Neuromodulation and Future Technologies Fred discusses the growing field of neuromodulation and its applications in medical devices.Explains the use of neuromodulation devices to treat conditions like urinary incontinence and asthma.Mentions the use of neuromodulation devices for sleep apnea...

In this episode, the hosts break down a highly optimized, $34M freight brokerage specializing in weird, mission-critical loads—one of the best businesses they've seen, and totally out of reach for most buyers.Business Listing – https://drive.google.com/file/d/1ir1uPXvP33JxMYO-AkT5Qv3DsjmL2o_j/view?usp=sharingWelcome to Acquisitions Anonymous – the #1 podcast for small business M&A. Every week, we break down businesses for sale and talk about buying, operating, and growing them.Looking to build a professional website in minutes? Try Wix: https://wix.pxf.io/c/6898629/3115214/25616?trafcat=templateHubSpot is the backbone for how businesses scale without chaos. Try them out here: https://go.try-hubspot.com/OeG9Vr

Get my new book: https://bronsonequity.com/fireyourselfDownload my new special report - How to Use Inflation to Your Advantage - www.bronsonequity.com/inflationJoin Bronson Hill on the Mailbox Money Show for a replay of this empowering "Women & Wealth" webinar, spotlighting trailblazing female leaders reshaping real estate and alternative investing.Kaaren HallFounder and CEO of UDirect IRA Services, a leading self-directed IRA custodian. Expert in alternative assets inside retirement accounts (real estate, precious metals, crypto, syndications). Author of The BiggerPockets Guide to Self-Directed IRA Investing.Christina SuterWealth consultant and registered investment adviser at Christina Suter Wealth Consulting. Focuses on coaching investors, psychology of money, and building long-term wealth through real estate and diversified assets. Known for practical, mindset-driven guidance.Ashley WilsonFounder of Bar Down Investments, multifamily operator with thousands of units managed. Author of The Only Woman in the Room. Specializes in value-add multifamily acquisitions, operations, and scaling in challenging market cycles.Veena JettiFounder & CEO of Vive Funds, a multifamily investment firm. Has raised over $400 million and controls more than $1 billion in multifamily assets. Expert in large-scale acquisitions, distressed opportunities, and institutional-grade syndication strategies.From rate-cap realities and development tailwinds to the psychology of fear vs. opportunity, this session delivers actionable strategies for navigating 2025–2026 volatility while celebrating female excellence in a male-dominated space.TIMESTAMPS0:36 - Welcome2:00 - Panelist Introductions: Christina Suter, Kaaren Hall, Ashley Wilson, Veena Jetti3:00 - Market Overview & Current Sentiment3:35 - Kaaren Hall: Crypto & Metals Surge in Self-Directed IRAs4:48 - Ashley Wilson: Multifamily Holding Pattern & Foreclosure Pressures6:23 - Veena Jetti: Best Time to Buy Amid Retail Fear8:00 - Christina Suter: Disconnect in Pricing, 2026 Loan Maturities Opportunity10:55 - Q&A: Rate Caps Realities & Misunderstandings13:07 - Ashley: Rate Caps Not a Full Shield13:35 - Veena: Rate Cap Accrual & Cash Flow Challenges16:16 - Bronson: Modular Development Niche in Fire Areas20:48 - Christina: Development with HUD Financing Opportunity21:29 - Veena: Retail Investor Mindset Shift & Institutional Focus27:07 - Fixed-Rate Debt & Long-Term Holds28:00 - Veena: Retail vs. Institutional Investor Resilience30:44 - Ashley: Industry Education Gaps & Long-Term Game34:19 - Accredited Investor Changes Discussion35:17 - Kaaren: Syndications Still #1, Crypto Rising36:11 - Wealth Forum Plug & Upcoming Event38:13 - Women in Real Estate: Overcoming Doubt & Representation39:21 - Kaaren: Value Over Gender Perception39:47 - Ashley: Superpower of Women Investors, Role Modeling43:07 - Christina: Psychological Approach & Team Alignment47:23 - Ashley: Comfort in Male-Dominated Spaces, Collaboration51:30 - Closing & Contact InfoJoint the Wealth Forum: bronsonequity.com/wealthConnect with the Guests:Christina Suter:Email: info@christinasuter.comText/Call: 310-463-5942Website: https://christinasuter.com/Veena Jetti:Instagram: https://www.instagram.com/veenajetti/28-Day Guide: https://www.sixfiguredealchallenge.com/join-veenaLinkedin: https://www.linkedin.com/in/veena-jetti/Ashley Wilson:Website: https://www.badashinvestor.com/Linktree: https://linktr.ee/BadAshInvestorInstagram: https://www.instagram.com/BadAshInvestor/Conference Connect: https://conferenceconnect.com/search?type=speakerKaaren Hall:Website: https://udirectira.com/https://www.ocreia.com/Linkedin: https://www.linkedin.com/in/kaarenhall/Facebook: https://www.facebook.com/kaaren.hall/#WomenInRealEstate#WealthBuilding#MultifamilyInvesting#SelfDirectedIRA#MarketCycleOpportunities#PassiveIncome#AlternativeAssets

Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Latrease Price-Gistard. Purpose of the Interview The interview aims to educate listeners on the mortgage industry, highlight the role and benefits of working with an independent mortgage broker, and provide practical advice on home financing options, credit challenges, and programs that support homeownership. It also shares Latrease’s entrepreneurial journey and lessons learned. Key Takeaways Background and Career Path Latrease has a finance degree and started in investment operations in 1999. Transitioned from auto financing and co-owning a car dealership to mortgage lending. Became an independent mortgage broker in 2022 after being laid off during rising interest rates. Role of an Independent Mortgage Broker Holds her own license and partners with multiple lenders to offer tailored loan products. Advocates for borrowers to ensure they get the right product, not just approval. Specializes in helping first-time buyers, self-employed individuals, and those with unique challenges. Home Financing Insights Reverse Mortgages: Typically for seniors 62+, often used by those 75+ with equity and limited retirement funds. Provides tax-free cash without monthly payments; debt settled upon sale or refinance. Zero Down Payment Programs: Offers up to 3% for down payment, attached to the mortgage; other programs provide up to 5% for down payment and closing costs. FHA 203K Program: Allows buyers to finance home purchase and renovations in one loan—ideal for fixer-uppers. Credit Challenges Programs exist for credit scores as low as 500, but require higher down payments (10–20%) and result in higher interest rates. Latrease consults and provides “what-if” scenarios to help clients improve credit over time. Entrepreneurial Lessons Mistakes: Starting without enough capital and a strong pipeline; economic timing matters. Advice: Build capital, secure a solid client pipeline, and understand market conditions before going independent. Notable Quotes On independence:“As a broker, you serve as that advocate for your borrower to make sure they’re getting the right loan product.” On reverse mortgages:“The beauty of it is there are no monthly payments going back to the institution. The debt is paid off when the home is sold or refinanced.” On credit challenges:“Programs go as low as 500 credit score, but those borrowers need 10–20% down.” On entrepreneurial advice:“Make sure you have strong capital and a solid pipeline before stepping out on faith.” On perseverance:“It’s all about follow-through. It’s all about your dream and whether you want to make it happen.” #SHMS #STRAW #BESTSupport the show: https://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Latrease Price-Gistard. Purpose of the Interview The interview aims to educate listeners on the mortgage industry, highlight the role and benefits of working with an independent mortgage broker, and provide practical advice on home financing options, credit challenges, and programs that support homeownership. It also shares Latrease’s entrepreneurial journey and lessons learned. Key Takeaways Background and Career Path Latrease has a finance degree and started in investment operations in 1999. Transitioned from auto financing and co-owning a car dealership to mortgage lending. Became an independent mortgage broker in 2022 after being laid off during rising interest rates. Role of an Independent Mortgage Broker Holds her own license and partners with multiple lenders to offer tailored loan products. Advocates for borrowers to ensure they get the right product, not just approval. Specializes in helping first-time buyers, self-employed individuals, and those with unique challenges. Home Financing Insights Reverse Mortgages: Typically for seniors 62+, often used by those 75+ with equity and limited retirement funds. Provides tax-free cash without monthly payments; debt settled upon sale or refinance. Zero Down Payment Programs: Offers up to 3% for down payment, attached to the mortgage; other programs provide up to 5% for down payment and closing costs. FHA 203K Program: Allows buyers to finance home purchase and renovations in one loan—ideal for fixer-uppers. Credit Challenges Programs exist for credit scores as low as 500, but require higher down payments (10–20%) and result in higher interest rates. Latrease consults and provides “what-if” scenarios to help clients improve credit over time. Entrepreneurial Lessons Mistakes: Starting without enough capital and a strong pipeline; economic timing matters. Advice: Build capital, secure a solid client pipeline, and understand market conditions before going independent. Notable Quotes On independence:“As a broker, you serve as that advocate for your borrower to make sure they’re getting the right loan product.” On reverse mortgages:“The beauty of it is there are no monthly payments going back to the institution. The debt is paid off when the home is sold or refinanced.” On credit challenges:“Programs go as low as 500 credit score, but those borrowers need 10–20% down.” On entrepreneurial advice:“Make sure you have strong capital and a solid pipeline before stepping out on faith.” On perseverance:“It’s all about follow-through. It’s all about your dream and whether you want to make it happen.” #SHMS #STRAW #BESTSee omnystudio.com/listener for privacy information.

Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Latrease Price-Gistard. Purpose of the Interview The interview aims to educate listeners on the mortgage industry, highlight the role and benefits of working with an independent mortgage broker, and provide practical advice on home financing options, credit challenges, and programs that support homeownership. It also shares Latrease’s entrepreneurial journey and lessons learned. Key Takeaways Background and Career Path Latrease has a finance degree and started in investment operations in 1999. Transitioned from auto financing and co-owning a car dealership to mortgage lending. Became an independent mortgage broker in 2022 after being laid off during rising interest rates. Role of an Independent Mortgage Broker Holds her own license and partners with multiple lenders to offer tailored loan products. Advocates for borrowers to ensure they get the right product, not just approval. Specializes in helping first-time buyers, self-employed individuals, and those with unique challenges. Home Financing Insights Reverse Mortgages: Typically for seniors 62+, often used by those 75+ with equity and limited retirement funds. Provides tax-free cash without monthly payments; debt settled upon sale or refinance. Zero Down Payment Programs: Offers up to 3% for down payment, attached to the mortgage; other programs provide up to 5% for down payment and closing costs. FHA 203K Program: Allows buyers to finance home purchase and renovations in one loan—ideal for fixer-uppers. Credit Challenges Programs exist for credit scores as low as 500, but require higher down payments (10–20%) and result in higher interest rates. Latrease consults and provides “what-if” scenarios to help clients improve credit over time. Entrepreneurial Lessons Mistakes: Starting without enough capital and a strong pipeline; economic timing matters. Advice: Build capital, secure a solid client pipeline, and understand market conditions before going independent. Notable Quotes On independence:“As a broker, you serve as that advocate for your borrower to make sure they’re getting the right loan product.” On reverse mortgages:“The beauty of it is there are no monthly payments going back to the institution. The debt is paid off when the home is sold or refinanced.” On credit challenges:“Programs go as low as 500 credit score, but those borrowers need 10–20% down.” On entrepreneurial advice:“Make sure you have strong capital and a solid pipeline before stepping out on faith.” On perseverance:“It’s all about follow-through. It’s all about your dream and whether you want to make it happen.” #SHMS #STRAW #BESTSteve Harvey Morning Show Online: http://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

Full Second Hour on December 24, 2025