From the bottom of our hearts.. if you're in a dark place right now, just know that there is ALWAYS hope.
 
If you or someone you know are having suicidal thoughts, to reach the national suicide and crisis hotline, you can Call or TEXT 988 anytime, they're available 24 hours a day.

If you're interested in therapy or counseling or want to learn more about therapy and counseling options, email [email protected], anytime.

In this episode, we talk about hitting rock bottom and what to do when you're there Regina and Gill share their rock bottom moments in life and what they did to climb out.

Teresa always tells her patients and those she counsels that she isn't the healer, Jesus is the healer, and Teresa is just the catalyst. Mental health and mental stability start by having a relationship with Christ. Just know that therapy is healthy and normal. "If you're ready to do this work, then you can make this work."
-Dr. Teresa Moore

If you're going through a tough time in life know the Lord knows the plans for your life. The Bible says in Jeremiah 29:11
For I know the thoughts that I think toward you, saith the Lord, thoughts of peace, and not of evil, to give you an expected end.

Even though you might be going through a rough patch, if you've hit rocket bottom, know that the situation that you're in NEVER dictates your ending. There is ALWAYS hope, no matter the problem.

"What you're going through is necessary. Don't make the mistake of thinking God has left you. Surround yourself with Godly people, the right people you know you need in your life."
-Gill Garrett

"If you need help, you gotta reach out. You have gotta be in your own driver's seat at all times, but you have to be the one to put yourself in the driver's seat always in life. You have to take 100% responsibility for your own life, we all do."
-Regina the Queen of Car Loans

Connect with Regina!
Text (248) 218-9808
Check out Joe Lunghamer's new and used inventory here on Regina's website!
Website (Submit a credit application here)
TikTok
YouTube
Instagram
Facebook (Cars)
Facebook (Credit)

Connect with Dr. Teresa!
Call (248) 214-6678
Website
Facebook
LinkedIn

Connect with Gill Garrett!
Facebook
Instagram
Twitter
LinkedIn

Brenda D. Davis, the Realtor that Moves You, and Alan Garbacik of Stockton Mortgage talk about the current state of the real estate market, how we're still in a seller's market, and how you can take full advantage of this seller's market, even in a down economy.

Interested in learning about appraisal and inspection waivers? Brenda and Alan educate us on this as well!

Have questions about buying or selling a home?
Brenda is available anytime and you can call, leave a voicemail, or send her a text message at (248) 909-9711.
Connect with Brenda D. Davis!
Century 21 Town and Country
4820 Rochester Rd, Troy MI
https://www.century21.com/real-estate-agent/profile/brenda-davis-P25012266
https://www.facebook.com/profile.php?id=100063563978086
https://www.instagram.com/brendadavis8137/

Have questions about refinancing or purchasing a home?
Connect with Alan Garbacik!
(248) 582-6682
[email protected]
https://stockton.com/staff/alan-garbacik/
https://www.facebook.com/garbacikmortgage/
https://www.linkedin.com/in/alan-garbacik-7505413/

Quotable nuggets of wisdom and a whole lot more on our newest episode of Be In The Drivers Seat with Regina the Queen of Car Loans, Dr. Teresa Moore, and Gill Garrett.

Gill Garrett
Decision-making is a life skill. We're surrounded by decisions that each of us needs to make, daily - a constant cycle of reaping and sowing!

Regina the Queen of Car Loans
"Approvals from a bank only last 30 days. Be thankful when you get a decision from a bank. You might not get the same approval after 30 days."

Dr. Teresa Moore
"All decisions and situations are not final and temporary. Your beginning does not dictate your ending."

Connect with Regina!
Text (248) 218-9808
Check out Joe Lunghamer's new and used inventory here on Regina's website!
Website (Submit a credit application here)
TikTok
YouTube
Instagram
Facebook (Cars)
Facebook (Credit)

Connect with Dr. Teresa!
Call (248) 214-6678
Website
Facebook
LinkedIn

Connect with Gill Garrett!
Facebook
Instagram
Twitter
LinkedIn

What are you grateful for!? In this episode, Regina, Teresa, and Gill talk about the things they're grateful for.

Be sure to be on the lookout for our Reels and Shorts on Facebook and YouTube!

In this episode, we talk with the founder and lead clinician at Its Time Counseling and Life Coach Services.

Kristen helps women process and heal from life's experiences, and helps them grow into the women they want to be!

"People are attracted to me and my brand because I am a Christian woman of color that provides holistic mental healthcare in a caring, down-to-earth demeanor.

"We are in a worldwide mental health crisis and the traditional medical industry will always only treat the symptom and not the underlying cause of the symptom."

Contact Kristen Taylor!
[email protected]
https://www.itstimecounseling.com

Connect with Kristen on social!
https://instagram.com/itstimecounseling
https://www.facebook.com/kristen.thompson.5

Kristen was born and raised in Pontiac, Michigan has lived through 3 open heart surgeries, and married her middle school sweetheart.

She was born with a genetic disease that affects all her joints and the biggest issue was with her heart requiring valves to be replaced in her late teen and early twenties.

Kristen and her health are both doing great now - and thriving! She was able to get off all medications herself through holistic medicine. Did we mention Kristen also has two, yes TWO, autoimmune diseases, and both cause joint pain and arthritis? Kristen also has food sensitivities. Kristen has since gotten herself off all medication for her diseases and food sensitivity through holistic medicine.

She's been there and she can guide you through as well. If you're going to take advice from someone, always make sure they've done what you're trying to do otherwise they're not going to be able to help you as well as someone who's been through it themselves!

Connect with Regina!
Text (248) 218-9808
Check out Joe Lunghamer's new and used inventory here on Regina's website!
Website (Submit a credit application here)
TikTok
YouTube
Instagram
Facebook (Cars)
Facebook (Credit)

Connect with Dr. Teresa!
Call (248) 214-6678
Website
Facebook
LinkedIn

Connect with Gill Garrett!
Facebook
Instagram
Twitter
LinkedIn

This week's WOW (Word of the Week) is REFINANCE!

If you're in double digits right now on your home or your house, even though rates are higher than we're used to, it might make a lot of financial sense to look into refinancing your vehicle.

With over two decades in the auto sales industry, Regina can help you safely steer your financial ship to shore - finally!

Don't put it off any longer. Take full responsibility for your finances and connect with Regina, TODAY!
https://tidycal.com/reginawoodard

If you're looking to refinance your mortgage, email us at [email protected] and we can connect with a mortgage expert, immediately!

Cathy Washington from all the way down in Atlanta, Georgia, joins us as the credit and financial hostess with the mostess on this episode of Be In The Drivers Seat!!

It's a well-known secret that you can build your credit with a secure card but there's another way to build credit using your own money that not a lot of people know about. Cathy talks about this lesser know secret as another arrow in your credit and finance quiver.

Connect with Cathy Washington
Call (800) 988-9184
https://cathywashington.com/
https://www.facebook.com/cathyhwashington7

We're SO excited to announce a new host on Be In The Drivers Seat. Law enforcement officer for Oakland County, a strong advocate for education and the community, and a deep passion for the photographic and media arts - Gill Garrett!

What drives Gill? What's Gill's purpose? It's simple. Gill loves God, his family, and his community, period, and he's here to add massive value to the listeners of Be In The Drivers Seat in a profound way. WELCOME TO THE TEAM GILL!!

Connect with Gill Garrett!
https://www.facebook.com/gill.garrett
https://www.instagram.com/garrettgroupmedia/
https://twitter.com/TheGarrettGroup
https://www.linkedin.com/in/gill-garrett-768ab436/

Connect with Regina!
Text (248) 218-9808
Check out Joe Lunghamer's new and used inventory here on Regina's website!
Website (Submit a credit application here)
TikTok
YouTube
Instagram
Facebook (Cars)
Facebook (Credit)

Connect with Dr. Teresa!
Call (248) 214-6678
Website
Facebook
LinkedIn

Connect with Gill Garrett!
Facebook
Instagram
Twitter
LinkedIn

2023's goal for Be In The Drivers Seat (BIDS) is to elevate and edify those around us making a difference in the community, in their families, and in their businesses. BIDS is a spotlight for those moving forward and moving those around them forward as well.

Makenzie Leigh joins us in episode 60 again as co-host. Makenzie is a lash master and specializes in making women not only look good but also feel good, inside and out.

Connect with Makenzie on Facebook below and book a session with her today - you won't be disappointed!

Makenzie Leigh - 'Fleeked By Kenzie Pooh'
https://www.facebook.com/makenzie.ford.92
Makenzie's Booking site
https://fleekedbykenziepoohllc.as.me/

Nevaeha Bledsoe joins us as a guest on episode 60. Neveah is just 20 years old and is the founder and owner of Focus on your own bag. Focus on your own bag offers bespoke shirts, hoodies, bonnets & durags.
Check out the collections below:
https://focusonyourownbag.com/

Focus on your own bag was created in lieu of the passing of Neveah's grandmother. Journaling is Neveah's therapy and it helped her develop the idea of her company and the vision behind her brand.

"It's a company and a movement. It's not just a brand, but motivation too."
- Neveah Bledsoe

Connect with Neveah and Focus on your own bag on Instagram and TikTok:
https://www.instagram.com/focusonyourownbag/
https://www.tiktok.com/@focusonyourownbag

Regina Eileen Woodard, aka, the Queen of Car Loans and Credit shares tips on buying your lease out. If you lease a car from Joe Lunghamer Chevrolet, they'll buy the lease out from you as a courtesy, and process the paperwork.

Of course, there are pros and cons to buying your lease out and Regina walks you through A to Z. Tune in to find out if:

• Why you shouldn't use a bank to buy your lease out and what you should use instead
• How and where to get your buyout price and why the buyout price is important
• Whether or not you should invest in an extended warranty when buying your lease out

Connect with Regina!
Text (248) 218-9808
Check out Joe Lunghamer's new and used inventory here on Regina's website!
Website (Submit a credit application here)
TikTok
YouTube
Instagram
Facebook (Cars)
Facebook (Credit)

Connect with Dr. Teresa!
Call (248) 214-6678
Website
Facebook
LinkedIn

Connect with Gill Garrett!
Facebook
Instagram
Twitter
LinkedIn

In this episode, we have the pleasure of talking with Dr. Michele Leno. Dr. Leno is a licensed psychologist and serves on the National Association of Women Business Owners (NAWBO) board of directors. Dr. Leno has been featured on several media outlets including WXYZ Detroit and The National Psychologist.

She is currently the host of the TV talk show, Mind Matters with Dr. Michele, which is in its sixth season.  Her expertise includes, but is not limited to, anxiety management and the effects of social media on mental health.

Dr. Leno helps others get unstuck, transition, and cope with chronic and situational stressors. Dr. Leno believes that by improving your mental health, you improve your life.

Connect with Dr. Michele Leno
https://www.dmlpsych.com/
https://www.facebook.com/MindMattersWithDrMichele/
https://www.instagram.com/drmichele_/

As a coach, consultant, and keynote speaker, Carl Watkins Consulting transforms leaders to empower themselves and to truly see why everything they want is right on the other side of vulnerability.

Carl Watkins Consulting provides seminars, training, coaching, and consulting for organizations, groups, and individuals. They also help organizations develop in-house programs for ongoing employee support. Through coaching, consulting, and training,  their transformational programs help to cultivate the authentic YOU!

"The Bible ~ There has never been such a collection of inspiring stories of victory and overcoming all odds. God uses the little man in every story to show us that without Him we can do nothing."
-Carl Watkins

Connect with Carl Watkins Consulting
https://carlshawnwatkins.com/
https://www.facebook.com/carlshawnwatkinsconsults/
https://www.linkedin.com/in/carlshawnwatkins/

Carl Watkins Consulting - Vulnerability Transformation Program
https://carlshawnwatkins.com/vtp

Connect with Regina!
Text (248) 218-9808
Check out Joe Lunghamer's new and used inventory here on Regina's website!
Website (Submit a credit application here)
TikTok
YouTube
Instagram
Facebook (Cars)
Facebook (Credit)

Connect with Dr. Teresa!
Call (248) 214-6678
Website
Facebook
LinkedIn

Connect with Gill Garrett!
Facebook
Instagram
Twitter
LinkedIn

In today's episode, we go DEEP into the finances with real estate, credit, and mortgages! We're joined by Brenda D Davis, the Realtor that moves you, our favorite financial coach from all the way down in Atlanta, Georgia, and Alan Garbacik, the mortgage master, from Stockon Mortgage!

Brenda D Davis
In our newest episode of Be In The Drivers Seat, Brenda D Davis talks all about real estate appraisals. Homes are still selling for more than they ever have before, but what happens when the appraised value comes back for LESS than what you offered? Tune in for the whole episode to find out and so much more from the real estate agent that moves YOU!

Connect with Brenda D. Davis!
Call or Text (248) 909-9711
Century 21 Town and Country
4820 Rochester Rd, Troy MI
Brenda D. Davis - Century 21
Facebook - Brenda D. Davis

Cathy Washington
Cathy talks about applying for credit cards outside of where you are in your credit journey, and how that can potentially have a negative impact on your momentum in either building or repairing your credit. A basic tip is to start with or add a credit card to your credit card portfolio that doesn't have an annual fee. Cathy talks about SO much more, you don't want to miss it!

Connect with Cathy Washington!
Call (800) 988-9184
Website - Cathy Washington
Facebook - Cathy Washington

Alan Garbacik
What's the state of the real estate market now and what will it be in 2023? For starters, prices will likely continue to increase, or maybe take a slight downturn. If you're in the market for a new home, NOW is the time to buy - before home prices continue to rise. This just touches the surface of what Alan dives deep on with us in this episode.

Connect with Alan Garbacik!
Alan on Stockton's website
Connect with Alan on Facebook
Connect with Alan on LinkedIn
(248) 582-6682
[email protected]

Connect with Regina!
Text (248) 218-9808
Check out Joe Lunghamer's new and used inventory here on Regina's website!
Website (Submit a credit application here)
TikTok
YouTube
Instagram
Facebook (Cars)
Facebook (Credit)

Connect with Dr. Teresa!
Call (248) 214-6678
Website
Facebook
LinkedIn

Connect with Gill Garrett!
Facebook
Instagram
Twitter
LinkedIn

Cierra Warren is a small business owner in Saginaw, Michigan who is facing the challenges of inflation as a baker and entrepreneur. To navigate these challenges, Cierra effectively communicates with her customers and explains any price increases.

She also prioritizes supporting her staff, which has helped her create a thriving business that continues to grow and succeed despite economic challenges.

LaShay McKether, the owner of the Glamorous Rebel in Sterling Heights, Michigan, maintains a close eye on her inventory and also fosters healthy relationships with clients through open communication and respect.

She also uses deposits to ensure appointments are upheld to the highest standard and refunds or applies them to future appointments if she's unable to uphold the commitment on her end.

Listen in to hear Cierra and LaShay speak from firsthand experience on thriving as small business owners in a challenging market.

If you own a business, you'll surely be able to relate to the warm hearts and wisdom these ladies share.

Delicious Sweets Bakeshop / Krav’n Cookies (Saginaw Location)
4787 Fashion Square Blvd
Saginaw, MI 48603

Browse Cierra's cakes and desserts here:
https://www.dsibakeshop.com/shop
*To place an order, please call the bakery or send an email
(989) 790-9950
[email protected]

Connect with Cierra on social!
https://www.facebook.com/delicioussweetsbakeshop
https://www.facebook.com/Kravncookies
https://www.instagram.com/delicioussweetsbakeshop/

Glamorous Rebel Hair & Beauty
2261 W. 18 Mile Rd and Dequindre
Sterling Heights, MI 48314
https://glamorousrebelshairco.com/

Connect with LaShay on social!
https://www.instagram.com/glamrebelhairxbeautyco/
https://www.facebook.com/profile.php?id=100063668662727

Connect with Regina!
Text (248) 218-9808
Check out Joe Lunghamer's new and used inventory here on Regina's website!
Website (Submit a credit application here)
TikTok
YouTube
Instagram
Facebook (Cars)
Facebook (Credit)

Connect with Dr. Teresa!
Call (248) 214-6678
Website
Facebook
LinkedIn

Connect with Gill Garrett!
Facebook
Instagram
Twitter
LinkedIn

Ma’kenzie Leigh joins us, not as a guest, but as our special guest co-host! Ma’kenzie is 20 years old and is a certified lash tech. She has her own booking page (linked below) but she currently works at "eyez on You II" salon on 318 South Blvd West, on the lower level.

Fleeked By Kenzie Pooh is the name of her business and below is her booking page:
https://fleekedbykenziepoohllc.as.me/

Connect with Ma'kenzie on FB:
https://www.facebook.com/makenzie.ford.92

Our very special guest today is Shanina Meeks. Shanina is a Pontiac native and she just completed her very first fashion project. 'The Prestigious Men of 2023 Calendar'. The calendar features 10 black businessmen from Pontiac/Detroit where she styled each guy and featured them for a month in the calendar along with their bio advertising their black-owned business! She's very proud of this project and all of the men that participated.

Tune in to catch the entire episode to hear her passion, her heart for God, and her vision for 2023 and beyond.

Connect with Shanina, message her for projects, info, and/or ordering a calendar!
586-441-1836
https://www.instagram.com/enjoi_fashion/
https://www.facebook.com/shanina.meeks

Also, listen as Regina gives HOT car tips on co-signing for a car loan when needed, and how to refinance over time to get the co-signer off your car loan. Lots of ins and outs and details you won't want to miss to capitalize on this opportunity and a way to structure your car loan if your credit deems it to be necessary. Great way to build credit if you need to and get yourself on the road and off the bus!

Ma'kenzie, Regina, Teresa, and Shanina also talk about New Year's resolutions, what they mean to each of them, and different paths and perspectives on you can make the best of 2023.

Connect with Regina!
Text (248) 218-9808
Check out Joe Lunghamer's new and used inventory here on Regina's website!
Website (Submit a credit application here)
TikTok
YouTube
Instagram
Facebook (Cars)
Facebook (Credit)

Connect with Dr. Teresa!
Call (248) 214-6678
Website
Facebook
LinkedIn

Connect with Gill Garrett!
Facebook
Instagram
Twitter
LinkedIn

In today's episode, in another segment of Points to Ponder, we talk about suicide.

• Suicide is the 3rd leading cause of death in the US between ages 15 and 24
• 703,000 people commit suicide every year, globally
• Statistically, New years day has the highest number of suicide attempts
• Suicide is the 12th leading cause of death in the US between the ages of 45 and 53
• Every 11.5 minutes someone in the US is taking their own life
  
  

First off, if you or someone you know are having suicidal thoughts, don't wait for help. If you wait, it could be too late.

To contact the suicide crisis hotline, just call or text 988.

If the person that's hurting is you, don't wait, call or text 988 to communicate with an expert that can help you gain perspective on where you are.

Don't believe the lie that nobody cares about you and you are alone. The truth is that you ARE loved and you're NOT alone.

The TRUTH is that God loves you. The TRUTH is that Jesus died for YOU. You are loved more than you can ever know or imagine.

There's always a sign before someone takes their own life. If someone says they're in a dark place or if they say the holidays are hard on them. This could be a telltale sign that someone might be thinking about taking their own life.

Today's guest is Antanique Thomas. Antanique is a mental health therapist and counselor.

Antanique says, “There is no health, without mental health!”, and, “There is hope…even when your brain tells you that it is not!”.

Antanique takes great joy in helping people meet their therapeutic needs.

Mental health is wealth!!

Also in today's segment, Regina talks about the benefits of buying a used car from a dealership vs buying a used car at a used car lot.

5 advantages of buying a used car at a dealership:

• Dealerships tend to have good reputations
• Room for negotiation
• One-stop shop for every level of service
• Tax benefit
• Building relationships/providing referrals

Check out the inventory at Joe Lunghamer Chevrolet on Regina's site.

Connect with Regina!
Text (248) 218-9808
Check out Joe Lunghamer's new and used inventory here on Regina's website!
Website (Submit a credit application here)
TikTok
YouTube
Instagram
Facebook (Cars)
Facebook (Credit)

Connect with Dr. Teresa!
Call (248) 214-6678
Website
Facebook
LinkedIn

Connect with Gill Garrett!
Facebook
Instagram
Twitter
LinkedIn