Crushing Debt

What do you have to be thankful for this Thanksgiving 2021?

The Yesner family has had its share of doctors and hospitals this year and thankfully, everyone is okay!

The goal of my podcast is to help people with the general message that "everything is going to be okay." Today I want to try to help with a message that is more health-related. We're all human and we all have health issues from time to time.

Today's episode of The Crushing Debt Podcast is a slight deviation from my normal topics - it is not necessarily a legal episode. Instead, I decided to chronicle my recent diagnosis and treatment of my Type 2 Diabetes.

A few of the links mentioned in today's episode:

Episode 17 - Running & Networking.: https://traffic.libsyn.com/secure/yesnerlawpodcast/260241161-yesner_law_podcast-episode-17-running-and-networking.mp3

The Diabetes Code: The Diabetes Code: Prevent and Reverse Type 2 Diabetes Naturally (The Wellness Code Book Two) (The Code Series, 2): Fung, Dr. Jason, Teicholz, Nina: 9781771642651: Amazon.com: Books

I hope you take away two things from today's episode: (1) everything (including me) is going to be okay, and (2) we can all help and support each other.

Happy Thanksgiving!

I'm also thankful for our sponsor, Sam Cohen of Attorneys First Insurance and would be appreciative if you could introduce him to an attorney or title company you know in Florida or Texas that needs malpractice insurance. [email protected] or www.AttorneysFirst.com.

You can email me directly at [email protected] or www.YesnerLaw.com.

One question we received this week from a client: "I'm buying a house from my parents, should I get title insurance?"

The Florida Department of Financial Services licenses and oversees Title Insurance in the State of Florida. They put out a great guide to title insurance that we review in today's episode of The Crushing Debt Podcast.

The link to download the guide is:

https://www.myfloridacfo.com/division/consumers/understandingcoverage/guides/documents/TitleInsurance.pdf

The guide is a short read, about eight pages long and covers the basics: the closing, the closing agent, title insurance, how to select a title agent, tips, common terms and definitions and frequently asked questions.

One other link mentioned in the guide and in the episode is a link to verify the licensure of a particular title company or title agent, which you can find at: https://licenseesearch.fldfs.com.

Our sponsor, Sam Cohen of Attorneys First Insurance provides malpractice coverage to title companies (and attorneys) all over the Country. He would love an introduction to the title company you used for your last closing. You can make that introduction at [email protected] or www.AttorneysFirst.com.

For more information, previous podcast episodes, blogs, and other useful tips, please visit the Yesner Law website at www.YesnerLaw.com.

We've talked before on the Crushing Debt podcast about student loans and how to eliminate the high cost of paying for an education. One of the best ways is if the student loan qualifies for discharge under the PSLF program (Public Service Loan Forgiveness).

This week's guest on the show is Jason DiLorenzo, founder and CEO of www.PSLFJobs.com. The website helps provide information to student loan borrowers and employers, and helps match employees to employers to help facilitate forgiveness of the student loan under the PSLF program.

Listen to the end of the episode to hear a special offer from Jason and PSLFJobs.com!

PSLFJobs.com also has a salary calculator, PSLF diagnostic, and other information designed to assist both employees and employers under the PSLF program. If you have direct questions, you can email [email protected].

Jason and I have a great discussion about:

• What loans qualify for PSLF;
• The Department of Education making older FFEL loans qualify under the PSLF Program;
• The number of student loan borrowers who might be impacted under the PSLF program;
• The impact of FedLoan being replaced as a student loan servicer by MOHELA;
• The impact of Navient being replaced as a student loan servicer by Maximus; and
• Whether this is enough to help people burdened by student loans.

You can also find more information about student loans at www.studentaid.gov.

We do want to thank our continuing sponsor, Sam Cohen of Attorneys First Insurance and ask that you refer him an attorney or title company that needs a quote on malpractice coverage at [email protected] or www.AttorneysFirst.com.

To learn other tips about eliminating student loan debt, or other debt in general, download my book - Become Debt Free in Less Than One Hour - at www.ShawnMYesner.com/BecomeDebtFree.

We are happy to welcome back our friend, former sponsor, and repeat guest Chris Calandra with Elliott Wealth Management Services to talk today about the four drivers of the 2021 real estate market.

You can hear Chris on Episodes 157 (wealth management), 162 (life insurance), 186 (seven wealth building rules) and 210 (pandemic's impact on the economy) and he brings a TON of knowledge and content each time he's on the show.

In today's Crushing Debt Podcast episode, we talk about the four things that primarily impacted the 2021 real estate market, which is still a bit crazy and unique even today, towards the end of the year:

1. Excess Money Supply in the Economy
2. Low Interest Rates
3. Stay at Home Economy
4. Limited Housing Supply

We also discuss whether there's another real estate bubble forming, and the disappearance of short sales.

If you know an attorney or title company in Florida, Texas, or anywhere in the Country, you would be doing me and show a huge favor by introducing that attorney or title company to our show's sponsor, Sam Cohen at Attorneys First Insurance - [email protected] or www.AttorneysFirst.com.

To eliminate debt and create the money to invest in real estate, check out my book Become Debt Free in Less Than One Hour at www.ShawnMYesner.com/BecomeDebtFree

What is your vision in terms of money? What are your values surrounding money and debt?

In this week's episode of the Crushing Debt Podcast, we interview our friend and returning guest, Marleta Black about her new book, Say ... Something: The Adventure of Finding the Right Words to Express Your Desires, Reduce Drama and Create Connection.

I read the book and thought it was great - it is broken into bite-size chunks that each have actionable items for you to review, ponder and implement in your relationships, such as:

• Eliminate counterproductive activities;
• Be transparent;
• Be accountable;
• Understand your "triggers" and where they come from.

Say ... Something takes you on a journey, both mentally and metaphorically, and helps you better understand and improve your relationships - with your spouse, your kids, your co-workers, your friends, your peers, and even your money!

You can buy a copy of Marleta's book on Amazon at: https://www.amazon.com/SAY-Something-Adventure-Finding-Connection-ebook/dp/B09H7Q1GM9/ref=sr_1_3?crid=1B1610UAYSCWC&dchild=1&keywords=marleta+black+say+something&qid=1635413022&sprefix=Marleta+Black%2Caps%2C175&sr=8-3

You can also hear Marleta in Episode 117 of the Crushing Debt Podcast.

Also, please remember to support our sponsor, Sam Cohen of Attorneys First Insurance by referring him attorneys and title companies that need to purchase or renew their malpractice insurance. You can reach him at [email protected] or www.AttorneysFirst.com.

Once your finished with Say ... Something, you can get your free copy of Become Debt Free in Less Than One Hour at www.ShawnMYesner.com/BecomeDebtFree.

If you are ever the target of a frivolous lawsuit, is your stuff protected? What if the lawsuit is legitimate, is your stuff protected?

What happens to your stuff when you die?

This week's guest on the Crushing Debt podcast is attorney Michelangelo Mortellaro, who has been practicing since 2007 in the areas of estate planning and elder law.

In 2020, Michelangelo started Fortress Asset Protection with another attorney to help shield your business from lawsuits and creditors.

In today's episode, we discuss the basics of probate and estate planning law, and why its important to have an estate plan, especially if you own your own business. Then we turn to asset protection and the various tools Michelangelo can use, whether you're an individual, business owner, or investor, to protect what you have from frivolous lawsuits.

You can reach Michelangelo by visiting his lawfirm website - www.MortellaroLaw.com, or Fortress's website - www.FortressAssetProtection.com.

Please support our sponsor, Sam Cohen at Attorneys First Insurance. Sam would appreciate introductions to attorneys and title companies all over the country, specifically in Florida and Texas. You can reach him at [email protected] or www.AttorneysFirst.com.

If you want to reduce your debt to avoid credit card lawsuits, please download my second book - Become Debt Free in Less Than One Hour at www.ShawnMYesner.com/BecomeDebtFree.

How much due diligence goes into filing bankruptcy? What are the document requirements?

While these are not questions I get from clients too often, they are two of the most important questions when considering a bankruptcy filing. Why? Because failing to do any due diligence prior to filing could get both the client and the law firm (and me) in trouble with the bankruptcy court. And when you get into trouble with the bankruptcy court, it is the FBI that comes knocking on the door!

So what are the due diligence requirements? We provide all of our clients with document checklists, information, and support. In today's episode, I discuss most of the different common types of documents and information we need. Of course, every bankruptcy is factually different, so the list provided in today's episode is just the starting point.

If you have questions about bankruptcy, please let us know or post a comment wherever you listen to this podcast!

We're also excited about Podfest Origins at the beginning of November, LIVE in Tampa, Florida. You can get more information at www.Podfestexpo.com.

In the event an attorney does not do his or her due diligence, we have our sponsor, Sam Cohen of Attorneys First Insurance who handles malpractice coverage for attorneys and title companies throughout the United States but, right now, has a particular focus on Florida and Texas. If you know an attorney or title company in need of professional liability coverage, please refer them to [email protected] or www.AttorneysFirst.com.

More questions about bankruptcy or just want to know how to have more money at the end of the month rather than month at the end of the money? Check out my book, Become Debt Free in Less Than One Hour at www.ShawnMYesner.com/BecomeDebtFree.

Do you buy properties at the foreclosure sale?

Do you buy at the foreclosure sale of the condominium or homeowner association?

If so, you may end up with a property that has no equity AND still be responsible to pay the association every month.

This week's episode is also based on Episode 26 where I discuss lien priority, and is also based on an actual client who bought three association properties at foreclosure sale, for somewhere in the range of $40,000 each, and AFTER the sale learned that each one had a first mortgage in place that eliminated any equity or profit she thought she made when purchasing the properties.

Learn how we were able to help her recoup some of her money, but more importantly learn how we can help other investors avoid this mistake!

Please also refer our sponsor, Sam Cohen, to an attorney or title company you know in Florida or Texas who needs to renew their professional liability insurance. [email protected] or www.AttorneysFirst.com.

Also check out www.Podfestexpo.com for the return of Podfest Origins LIVE on November 4 & 5, 2021 (I'll be participating and speaking if you want to meet up with me).

Finally, my books contain other tips and tricks to help you have more money at the end of the month, rather than more month at the end of the money. www.ShawnMYesner.com/BecomeDebtFree.

Bankruptcy can be a great tool to help give someone a fresh start and relief from overwhelming debt. However, it is very often misunderstood - I have numerous shows dealing with the topic, including debunking myths surrounding bankruptcy.

Today's show is an interview I did with Credit Kristi, who you can hear on my previous episode 247. Kristi started her own podcast called Credit Coaching by Kristi, and you can find it wherever you are listening to this show. Kristi interviews me for her show about the basics of bankruptcy and was so generous to allow me to use the audio for this episode of The Crushing Debt Podcast.

If you have questions about credit, definitely check out Kristi's show - Credit Coaching by Kristi.

Please also support our sponsor, Sam Cohen and Attorneys First Insurance, by introducing Sam to an attorney or title company in Florida or Texas that needs a quote for their malpractice or professional liability insurance. [email protected] or www.AttorneysFirst.com.

Finally, we're still trying to get our second book in as many hands as we can, and the book is FREE at www.ShawnMYesner.com/BecomeDebtFree.

You added someone to the deed of your house - maybe years ago, maybe months ago - and now you want them off of the deed. How do you do that?

That is the topic of today's Crushing Debt Podcast episode, and the answer is both simple and complex.

I also take some time to update you on what Yesner Law is up to in the coming months, specifically:

• The Great Westchase - a great 10k, 5k, 1-mile race through my home neighborhood of Westchase on October 23, 2021, starting at 7 AM. You can find more information at: https://greatwestchase.wixsite.com/website/ or https://www.facebook.com/thegreatwestchase.
• Westchase Krewe of Freebooters Golf Tournament - a golf tournament by the Westchase Gasparilla Krewe benefitting the Westchase Charitable Foundation, also on October 23, 2021, starting at 11:30 AM. You can find more information at: www.WestchaseKrewe.com.
• Podfest Origins Tampa - a great seminar if you are a podcaster, YouTuber, or produce any type of content on or for social media. You'll learn things like: How to get guests, how to be a guest, how to monetize your show, how to produce your show, and other helpful topics for content creators and fans of episodic content! There are three ways to participate: (1) virtual session 1 on 10/28 & 10/29/2021, (2) virtual session 2 from 11/1 to 11/3/2021, or (3) LIVE on 11/4 and 11/5/2021 in Tampa, Florida. You can find more information at www.podfestexpo.com.

Please remember to support our sponsor, Sam Cohen, at Attorneys First Insurance by introducing him to an attorney or title company you know anywhere in the Country, but particularly in Florida or Texas. You can contact Sam at [email protected] or www.AttorneysFirst.com.

Did you know that you can also create money in your budget by eliminating unnecessary expenses? Find more tips like this in my second book, Become Debt Free in Less Than One Hour at www.ShawnMYesner.com/BecomeDebtFree.