Timing Points:

0-2:00: Intro 

2:00: The 3 things that are contributing to being stuck financially

5:00: Making a plan

7:00: Multiple directions of money and receiving

10:00: Money as energy – mud season

12:00: Make a decision! There is no wrong decision!

13:00: Care for other people

14:00: Summary: 3 things to get out of a pay check to pay check cycle

15:00: A bit of history for the ladies out there

15:30: We are almost at the 50-year mark when a single woman could buy her own property

16:00: Wrap up: Feelings and finances

Resources Mentioned:

[email protected]

https://allshipsrising.com/

https://www.nerdwallet.com/

Timing Points:

0-2:00: Intro to Clara

2:00: Being on vs off a personal routine

3:00: Mindset – serving others

5:00: The 80/20 Principle – managing Time

9:00: Leaning into intention in your work life

15:15: Forming habits – being an early bird

18:00: Clara’s big “Why”

26:00: Focusing on others instead of personal fear

30:00: If you don’t like where you are, move!

32:30: Gratitude and joy as part of a morning routine

35:00: Expert tip--weekly business meeting with yourself

37:00: Recap and closing

Resources Mentioned:

[email protected]

https://allshipsrising.com/

https://www.claracapano.com/

Timing Points:

0-3:00: Intro to savings

3:30: Hard times lead to good things

4:15: Buckets of money and personality types

5:45: Short-term savings are liquid and easy to access 

7:05: Compounding interest in a savings account

11:30: Long-term savings – IRAs and the difference between them

13:15: Taxable vs tax-advantaged

15:30: Take advantage of any savings-matching accounts that your company offers

16:45: Prioritizing long-term savings vs a big down payment or an immediate project

18:00: Automate your savings and investments!

19:20: Bonds – 10k limit per year allowed

20:30: Recap and closing

Resources Mentioned:

https://allshipsrising.com/

Vanguard or Fidelity Roth IRA account

https://open.alliantcreditunion.com/products

https://wealthfront.com

https://www.wealthfront.com/c/affiliates/invited/AFFB-J75A-34KN-PW9Z

Timing Points:

0-2:00: Intro 

2:00: Intention is our word of the year!

3:00: Franny’s latest project – a TV show!

Mantra – “I am beyond doubt!”

5:00: – Our greatest fear is that “we are powerful beyond measure.” A Return to Love

7:00: Time as infinite energy

10:30: Do we manifest differently based on our personality? Law of Attraction

12:00: You’re manifesting the version of yourself that has the thing that you want

15:30: Journaling practice helps set our Intention

17:30: Having an emotional budget for the process

19:30: Fears we have around our money

21:00: Thinking of money as something other than “money”  

23:00: Money can come from many different directions

26:00: The relationship between love and finances

28:00: Wrap up 

30:00: Recap and closing

Resources Mentioned:

https://allshipsrising.com/

Timing Points:

0-2:00: Intro 

2:30: Francesca’s background and relationship to money

5:45: Love Coach – taking unusual paths to create a job you love!

6:45: First step in manifesting is declaring or claiming what it is that you want 

8:45: Miracles happen when you lean in and say “Yes!”

12:15: The work is to stay true to yourself

13:00:  “Ah ha” moments are addictive 

15:00: Old beliefs and how they can continue to affect you 

17:45: Climbing Everest takes a series of steps, and identifying the next step along the way will eventually lead to the top

20:00: Recap and closing

Resources Mentioned:

https://allshipsrising.com/

Mindset matters! To reach your goals, being aware of how to protect your mindset and stay focused is half the battle.

Timing Points:

1:00: Mindset. The Universe wants you to have what you want.

3:15: Fear. Fear illuminates what we don’t understand.

6:24: I will. I can. Write down the solutions to any problems.

9:00: Identifying your WHY.

14:45: Benefits of owning property

17:45: Golden Geese – passive income.

19:20: Team Building. Add people who are pro-you!

23:05: Setting your Goal. Make it visible. Identify steps.

28:00: Attitude of Gratitude

29:00: Summary

32:00: Challenge – move closer to your goal and help someone else

Resources Mentioned:

https://www.instagram.com/all_ships_rising/

https://allshipsrising.com/

This is the second part of the interview with Cynthia Veroneau of Caliber Home Loans. Tons of useful information. Interview happened in late December of 2022, which could be very out of date depending on what your local market is doing. It’s always good to speak to your local lenders to find out what the trends are in your area.

Timing Points:

0-2:00: Gut instinct and Trust

2:30: Shopping around with different lenders

3:20: Market snap shot in December 2022 and reasons to not wait

4:00: Taking steps to be prepared even if you choose not to buy right now

6:40: Due Diligence

10:30: Helpful programs for a first time home buyer

14:30: There is no financial cost to writing an offer

17:15: Pride and fear causes us to hesitate instead of moving forward

18:15: The right lender will be a partner and might be able to help boost your credit score

19:40: Women have only recently been able to purchase a home without a cosigner since 1974. And now 19% of homeowners are single women!

22:00: Wrap up

Resources Mentioned:

https://allshipsrising.com/

Cynthia Veroneau

Sales Manager

NMLS ID#: 1293182  

STATE LIC#:

NH

207-712-3598

[email protected]

In this interview with Cynthia Veroneau of Caliber Home Loans, we talk about why we should reach out to a lender early in our home buying process, what should we expect when talking to a lender, and what are some common fears about talking to a loan officer?

Timing Points:

0-3:00 Intro and Cyndi’s approach to lending

3:00: Building a map to buying your first home

4:40: Identifying your first step

8:00: How does a credit pull effect my credit score?

12:00: Talking to a lender early rather than later 

12:30: DISC personalities and how they align with communication

14:30: Single women tend to be more conservative in their house-buying decisions

16:15: Taxes – every town is different

20:15: Cyndi’s home owning experience

23:00: Wrap up

Resources Mentioned:

https://allshipsrising.com/

Cynthia Veroneau

Sales Manager

NMLS ID#: 1293182  

STATE LIC#:

NH

207-712-3598

[email protected]

This episode covers compounding value in real estate and reasons to pursue home ownership. Hitching a ride with a small amount of money (down payment) with a larger investment like real estate, helps build a large savings cushion faster than if you were to invest the same amount of cash into a high yield savings account for 30-50 years. 

Topic Points:

0-2:30 Intro to compounding value

2:35: A small amount toward a home, goes a long way to building security

4:00: Historic year-on-year appreciate is 4%+ on property

5:15: Maintaining the value of your investment

6:20: Taking the right things seriously so you don’t get stuck

9:00: Thinking about a home creatively in the present will help you pay for it in the future

10:00: The stock market and real estate keeps up with inflation

12:30: Budgeting for repairs

14:00: Landlording – house hacking feedback

16:40: Wrap up

Resources Mentioned:

https://allshipsrising.com/

Email me at [email protected]

Hello! My name is Jewel Rechsteiner. This is my podcast, All Ships Rising. All Ships Rising is really about sharing tools and information around topics of real estate, home ownership, finances, and personal growth. I have found that women are excited about learning more about these topics, but rarely have resources to lean on. The purpose of this podcast is to provide a platform to have these discussions and interviews with experts, share information, and grow together. All Ships Rising is a phrase plagarized from a John F. Kennedy quote, but for me it means, when one person rises or becomes financially stable or better informed, that has a ripple effect on Her community and family -- all others around her benefit. Let's lift each other up!

Timing Points:

0-3:00 Intro and my background

3:15: Knowing and gut instincts

6:15: Speaking your goals out loud creates forward movement

11:20: Building your team – identifying mentors and helpful teammates

14:00: What to look for in a property - It’s just paint and fixtures

17:20: Second property – proximity matters!

20:00: Manual labor work and being creative

22:40: Mentoring & Coaching: Giving back brings everything full circle

24:00: My real estate agent – All Ships Rising

27:00: Wrap up

29:00: Challenge – move closer to your goal and help someone else

Resources Mentioned:

https://allshipsrising.com/