Crushing Debt

Is all debt bad?

What is your strategy around incurring debt?

What do you want to accomplish using credit and debt?

What is your plan to improve your credit score and reduce your debt?

This week, we interview David Dishman, owner of 12 Point Life and a consumer credit expert with more than two years experience helping families decrease their debt and increase their credit to achieve their goals.

George and Shawn talk to David about a lot of different topics, including:

• Credit Cards (and rewards)
• Credit Score
• Credit Repair
• CROA (Credit Repair Organizations Act)
• Red Flags to look out for when choosing a credit repair company

You can contact David at [email protected].

Please also visit our sponsors:

• Sam Cohen of Attorneys First Insurance for Attorneys and Title Companies looking to get a quote on Errors & Ommissions (malpractice) Insurance coverage. www.AttorneysFirst.com.
• Mark Purvis to help retirees who are looking for a fun and rewarding project by capturing wisdom and stories that will bless their families today and for generations to come. www.LegacySpotlight.com.

Let me know if you enjoy this episode and, if so, please share it with your friends that might gain value out of listening!

Or, you can support the show by visiting our new Patreon page: https://www.patreon.com/crushingDebt

To contact George Curbelo, you can email him at [email protected].

To contact Shawn Yesner, you can email him at [email protected] or visit www.YesnerLaw.com.

What is the number one reason people file for bankruptcy?

What famous celebrity lists his 20-year-old money mistakes?

Are we getting deeper in debt as inflation boosts costs?

On this week's episode we discuss these topics and more. You can find the articles we reference at these links:

• The #1 Reason People Go Bankrupt by Rachel Cruz on YouTube: https://www.youtube.com/watch?v=A2LrrNTQ1oo
• Nearly Half of All Americans are falling deeper in debt as inflation continues to boost costs, by Jessica Dickler on cnbc.com: https://www.cnbc.com/2022/07/26/nearly-half-of-americans-fall-deeper-in-debt-as-inflation-boosts-costs.html?__source=sharebar|email&par=sharebar

Is Rachel Cruz right about her #1 reason for bankruptcy? Here's a hint, check out our Episode 325, Crush Medical Debt.

Please also visit our sponsors:

• Sam Cohen of Attorneys First Insurance for Attorneys and Title Companies looking to get a quote on Errors & Ommissions (malpractice) Insurance coverage. www.AttorneysFirst.com.
• Mark Purvis to help retirees who are looking for a fun and rewarding project by capturing wisdom and stories that will bless their families today and for generations to come. www.LegacySpotlight.com.

Let me know if you enjoy this episode and, if so, please share it with your friends that might gain value out of listening!

Or, you can support the show by visiting our new Patreon page! https://www.patreon.com/crushingDebt

To contact George Curbelo, you can email him at [email protected].

To contact Shawn Yesner, you can email him at [email protected] or visit www.YesnerLaw.com.

What are the five money rules you should follow while you're still young, or "regret it later in life"?

We recently read an article written by Morgan Housel for CNBC. You can find the article here: https://cnb.cx/35yNVut

While the article has some great tips: (1) live below your means, (2) money disputes and relationship disputes, (3) avoid debt, (4) affordable services, and (5) career - let's just say that Mr. Housel's writing style is a bit ... direct.

The article has some great tips that we discuss, some tips that we don't necessarily agree with (we love libraries and community colleges), and some tips that are in-your-face funny.

We also discuss some of our "Money Rules" that were not mentioned in the article. What are some of your "Money Rules"?

Please also visit our sponsors:

• Sam Cohen of Attorneys First Insurance for Attorneys and Title Companies looking to get a quote on Errors & Ommissions (malpractice) Insurance coverage. www.AttorneysFirst.com.
• Mark Purvis to help retirees who are looking for a fun and rewarding project by capturing wisdom and stories that will bless their families today and for generations to come. www.LegacySpotlight.com.

Let me know if you enjoy this episode and, if so, please share it with your friends that might gain value out of listening!

To contact George Curbelo, you can email him at [email protected].

To contact Shawn Yesner, you can email him at [email protected] or visit www.YesnerLaw.com.

Was the "Great Resignation" caused by COVID-19?

How can you decrease the likelihood that good employees will leave? How can you decrease the likelihood that terminated employees may sue?

How can you find and keep happy employees?

Attorney April Goodwin, of The Goodwin Firm, joins Shawn and George today in studio to talk about finding and keeping happy employees. April's practice focuses on employment law (mostly representing employers) and pet law.

We talked to April about pet law back in Episode 229 - Emotional Support Peacocks.

In today's episode April, Shawn & George talk about:

• The "Great Resignation"
• How long this employee shortage may last and how has it been impacted by COVID-19
• Ways to set up your employees for success, from the job interview, through the hiring process, and as employees
• How an employer might incur liability in their treatment of employees.

You can listen to April's previous episode here: https://yesnerlawpodcast.libsyn.com/emotional-support-peacocks-episode-229

You can contact April at [email protected] or www.Goodwin-Firm.com

Please also visit our sponsors:

• Sam Cohen of Attorneys First Insurance for Attorneys and Title Companies looking to get a quote on Errors & Ommissions (malpractice) Insurance coverage. www.AttorneysFirst.com.
• Mark Purvis to help retirees who are looking for a fun and rewarding project by capturing wisdom and stories that will bless their families today and for generations to come. www.LegacySpotlight.com. Let me know if you enjoy this episode and, if so, please share it with your friends that might gain value out of listening!

To contact George Curbelo, you can email him at [email protected].

To contact Shawn Yesner, you can email him at [email protected] or visit www.YesnerLaw.com.

What is "full coverage" with regard to car insurance?

What coverage is required under Florida law?

What coverage should you have? Or avoid?

In this week's episode of The Crushing Debt Podcast, we talk to Walt Blenner of Blenner Law Group about the different types of auto insurance coverages, subrogation, fault and no-fault, and what happens to insurance when the driver is ticketed (or not).

Walt moved to Tampa Bay "temporarily" 30 years ago until he figured out where he wanted to practice - turns out it was here in Tampa Bay! Walt's practice encompasses both personal injury and a niche he's carved for himself representing lottery winners (which we talk to him about too).

You can reach Walt at [email protected] or www.blennerlawgroup.com. Email Walt to get a free electronic copy of his tri-fold Florida's Car Insurance Mistakes.

Please also visit our sponsors:

• Sam Cohen of Attorneys First Insurance for Attorneys and Title Companies looking to get a quote on Errors & Ommissions (malpractice) Insurance coverage. www.AttorneysFirst.com.
• Mark Purvis to help retirees who are looking for a fun and rewarding project by capturing wisdom and stories that will bless their families today and for generations to come. www.LegacySpotlight.com. Let me know if you enjoy this episode and, if so, please share it with your friends that might gain value out of listening!

To contact George Curbelo, you can email him at [email protected].

To contact Shawn Yesner, you can email him at [email protected] or visit www.YesnerLaw.com.

What would you do with an extra month this year? Every year?

How is your cell phone costing you time when you could instead be making money?

How can you trade money for time?

This week's guest is making her fifth appearance on the show! Our friend Tiffanie Kellog is back to talk about her program 13 Months a Year! Tiffanie helps her clients MAKE MONEY, SAVE TIME and have FUN!

Whether sharing her expertise (with her southern accent) on referral marketing, networking or maximizing your time, Tiffanie will knock the socks off the audience with her fun and enteretaining presentations while leaving them with eTiffanies (epiphanies from Tiffanie) to help create RESULTS in their world!

Tiffanie is a three-time published author: 4 1/2 Networking Mistakes: Maximizing Your Networking Efforts by Avoiding Common Mistakes, Knock the Socks Off Your Audience: Delivering Presentations with Power and Passion to Audiences Large and Small, and Socks to Success: Be Memorable! Branding to Generate More Referrals. You can find her books at her website www.TiffanieKellog.com or on Amazon. You can contact Tiffanie at [email protected].

You can register for Tiffanie's 13 Months a Year Course at: bit.ly/TKMoreTime.

Listen to Tiffanie's previous Crushing Debt Podcast Episodes:

• Ep 146 - Thirteen Months a Year
• Ep 48 - Shawn Interviews Tiffanie Interviews Shawn
• Ep 12 - Interview with Tiffanie Kellog
• Ep 76 - Living a Spectacular Life

Please also visit our sponsors:

• Sam Cohen of Attorneys First Insurance for Attorneys and Title Companies looking to get a quote on Errors & Ommissions (malpractice) Insurance coverage. www.AttorneysFirst.com.
• Mark Purvis to help retirees who are looking for a fun and rewarding project by capturing wisdom and stories that will bless their families today and for generations to come. www.LegacySpotlight.com.

Let me know if you enjoy this episode and, if so, please share it with your friends that might gain value out of listening!

To contact George Curbelo, you can email him at [email protected].

To contact Shawn Yesner, you can email him at [email protected] / www.YesnerLaw.com.

As housing prices have appreciated, we have seen less foreclosures and short sales - they're not gone, but clearly reduced in number recently.

The trend we've seen in an increase in other types of lawsuits with the increase in property values.

In particular, I have many more partition lawsuits in the office than I did a year or even six months ago. In a partition lawsuit, two co-owners are fighting over whether to sell a jointly owned home, and when sold how much does each owner receive from the sale. Typically, partition lawsuits arise between unmarried individuals that own property - siblings or extended family, non-married individuals that co-own a home, and people who acquire a home jointly as heirs of a deceased person.

Along with partition lawsuits, we have also seen a rise in quiet title lawsuits. The purpose of a quiet title lawsuit is to have the Court determine whether someone's interest in a house is legitimate - maybe an heir omitted from probate, or maybe a "wild deed" in the title.

On this week's episode of the Crushing Debt Podcast, George and Shawn talk about real estate, partition and quiet title lawsuits.

For more information on these topics, check out previous episodes:

• 207 - Never Give a House as a Gift
• 13 - What is a Partition Lawsuit?
• 75 - Quit Claim Deeds and Quiet Title Lawsuits
• 296 - A Guide to Title Insurance

Please also visit our sponsors:

• Sam Cohen of Attorneys First Insurance for Attorneys and Title Companies looking to get a quote on Errors & Ommissions (malpractice) Insurance coverage. www.AttorneysFirst.com.
• Mark Purvis to help retirees who are looking for a fun and rewarding project by capturing wisdom and stories that will bless their families today and for generations to come. www.LegacySpotlight.com. Let me know if you enjoy this episode and, if so, please share it with your friends that might gain value out of listening!

To contact George Curbelo, you can email him at [email protected].

To contact Shawn Yesner, you can email him at [email protected] / www.YesnerLaw.com.

The Personal Finance Education Bill (HB 1054) became law in Florida as of July 1, 2022. The new law requires a financial literacy course as a prerequisite to high school graduation.

George and I were thinking, if we designed the course, or if Governor DeSantis consulted with us to design the course, what are the top five things we would include (and then we thought up a few more).

• How to balance a checking account
• Understanding spending behaviors
• Budgeting
• Understanding Credit Score
• and more ...

After listening to the episode, do you agree? What would you include? Can you connect us with Governor DeSantis?

One website mentioned in the episode - to get a free copy of your credit report annually, visit www.AnnualCreditReport.com. That is the only website endorsed by the FTC (Federal Trade Commission) and the only one that should be truly free on an annual basis.

Please also visit our sponsors:

• Sam Cohen of Attorneys First Insurance for Attorneys and Title Companies looking to get a quote on Errors & Ommissions (malpractice) Insurance coverage. www.AttorneysFirst.com.
• Mark Purvis to help retirees who are looking for a fun and rewarding project by capturing wisdom and stories that will bless their families today and for generations to come. www.LegacySpotlight.com. Let me know if you enjoy this episode and, if so, please share it with your friends that might gain value out of listening!

To contact George Curbelo, you can email him at [email protected].

To contact Shawn Yesner, you can email him at [email protected] / www.YesnerLaw.com.

When should we teach financial literacy lessons to our kids, and what should we teach them?

What does "financial literacy" really mean?

What are the common financial problems people are facing today?

Why do so few states teach personal finance in public schools?

Today's guest on the Crushing Debt Podcast is Vince Shorb, one of the country's leading advocates for promoting financial wellness and a thought leader in teaching and scaling financial education programming. Vince founded the National Financial Educators Council, an organization dedicated to combating the financial literacy epidemic. Vince's mission is to create a world where people are informed to make qualified financial decisions and confidently take effective financial action that best helps them meet their basic human needs while moving towards fulfilling their personal, family and global community needs.

George and I talk to Vince about his financial journey and the lessons he learned along the way. We answer all of the questions above. Also we talk about the Florida Personal Finance Education Bill, which took effect July 1, 2022.

You can find Vince at:

Website: https://www.financialeducatorscouncil.org/ LinkedIn: https://www.linkedin.com/in/vinceshorb/ Facebook: https://www.facebook.com/NationalFinancialEducatorsCouncil/ Twitter: https://twitter.com/NFEC_FinEdu

Please also visit our sponsors:

• Sam Cohen of Attorneys First Insurance for Attorneys and Title Companies looking to get a quote on Errors & Ommissions (malpractice) Insurance coverage. www.AttorneysFirst.com.
• Mark Purvis to help retirees who are looking for a fun and rewarding project by capturing wisdom and stories that will bless their families today and for generations to come. www.LegacySpotlight.com. Let me know if you enjoy this episode and, if so, please share it with your friends that might gain value out of listening!

To contact George Curbelo, you can email him at [email protected].

To contact Shawn Yesner, you can email him at [email protected] / www.YesnerLaw.com.

If someone owes you money and files bankruptcy, how do you get paid?

What is the role of the bankruptcy trustee?

How does the bankruptcy trustee value assets?

This week's episode is great question by one of our listeners, and former guests Mechiel Kopaska, who sent us a question about how the bankruptcy trustee pays out creditors in a bankruptcy case.

You can hear Mechiel's episode here: https://yesnerlawpodcast.libsyn.com/stuck-in-a-job-episode-263

You can find her podcast here: Episodes - Mechiel Kopaska

George and I also talk about how to keep down the cost and expense of a move (something George recently experienced), and George's Money & Kids Seminar.

We would love more listener feedback! Are there any questions we can answer on the show? What more can we provide to you to add value - a summit, a course, a webinar?

Please also visit our sponsors:

• Sam Cohen of Attorneys First Insurance for Attorneys and Title Companies looking to get a quote on Errors & Ommissions (malpractice) Insurance coverage. www.AttorneysFirst.com.
• Mark Purvis to help retirees who are looking for a fun and rewarding project by capturing wisdom and stories that will bless their families today and for generations to come. www.LegacySpotlight.com.

Let me know if you enjoy this episode and, if so, please share it with your friends that might gain value out of listening!

To contact George Curbelo, you can email him at [email protected].

To contact Shawn Yesner, you can email him at [email protected] / www.YesnerLaw.com.