Crushing Debt

This week's episode of The Crushing Debt Podcast is my interview with Adam Ulery and Kevin Galang, Tech Guys Who Invest.

I had the honor to be guest number one on the Tech Guys Who Invest Podcast a while back and wanted to return the favor by having the guys on my show.

Adam invests mostly in multi-family properties and Kevin invests mostly in promissory notes. They both invest as a way to get passive income, cash flow, out of debt, and live the lifestyle they choose. They also both have careers in technology.

You'll hear about Adam and Kevin's attitudes towards debt and a few stories about how they got into and out of debt.

To learn more about them, visit www.TGWIPodcast.com or contact them at [email protected]. Also check out Kevin's second show - Secondhand Success - at www.secondhandsuccess.com.

If you want to share a story of how you got into and then out of debt, please visit the website at www.YesnerLaw.com or email me at [email protected]. If you enjoyed this episode, I would really appreciate if you would share the content on Facebook, LinkedIn or any other social media site!

This week's podcast was inspired by our friend and Realtor Tom Scaglione, an agent at Future Home Realty.

https://www.facebook.com/tom.scaglione

Tom has forgotten more about the Tampa Bay Real Estate market than most Realtors will ever know.

Tom posted about the various laws that passed during the 2019 FL Legislative Session like:

• Legislation related to expired or old permits
• Approval of remote notaries
• Changing insurance AOB
• Apportioning money for environmental projects and affordable housing
• Flood insurance changes
• Tree trimming legislation
• Texting while driving ban

And some legislation that didn't pass like:

• Short term rental legislation
• Emotional support animal legislation
• Seller and Landlord disclosure laws

Did you follow the 2019 FL Legislature? What laws would you like to see enacted? Which should be eliminated? Share your thoughts with me directly at [email protected] or www.YesnerLaw.com.

Please also visit our sponsor Elliot Wealth Management Services to get your free 15-minute life insurance checkup - www.elliottwealth.com.

In this week's episode of the Crushing Debt Podcast, I interview Linda McElhaney.

Currently, Linda works as a purchasing manager at Freedom Square Nursing. As a side-gig or side-hustle, Linda started a Mary Kay business and is now working on being a Director.

Some benefits of having her Mary Kay business, Linda has:

• Learned to Budget, Plan and set Goals;
• Grown as a person and professional;
• Has Extra money;
• Paid down debts; and
• Taken vacations.

In fact, Linda has paid off over $4,500 in credit card debt in a short period of time, and saved money for an extended vacation overseas.

Incidentally, Linda's husband also transitioned his love of CrossFit into his own business that now helps support the family.

To speak to Linda about setting up an Mary Kay party, please call 631-766-4459.

If you have questions on turning your side-gig into a full time job, you can also contact me at [email protected] or www.YesnerLaw.com.

In this week's episode of the Crushing Debt Podcast, I talk about Preparation.

Twice a year, my community has a garage sale. I find Garage Sales to be low-risk environments to practice your negotiation skills. This is the fourth time I've had the opportunity to practice something at my community's garage sale to help my negotiation skills.

If you want to listen to previous episodes on this topic:

• Episode 68 was about negotiation, specifically that you need to willing to walk away, and that there is value in selling something you no longer want and don't want to put back in the garage for the next sale.
• Episode 86 was about presentation, in other words the presentation of a specific good or service can help with sales.
• Episode 118 was about patience; how long should you wait to make the sale?

In this week's episode, preparation could be the difference between making the sale, making the sale at or near the price you want, or bringing the item to Goodwill and getting no value (other than a tax deduction) for it.

What do you like most about Garage Sales? What lessons do you take from them? Please let me know at [email protected] or www.YesnerLaw.com.

I'm excited about this week's episode of The Crushing Debt Podcast, because my guest didn't know she was going to record an episode when she walked into my office, and her boss has been trying to get on the show for a while now.

I've known Madison Thayer, the Community Connector for SEC Inspection Services for a little more than a year. I've know her boss, and the owner of the company, Melissa Menikheim, for many more years than that.

SEC Inspection Services is a family owned business here in Tampa Bay that is 20 years old! SEC is an inspection company and Madison and I talk about all of the reasons that an inspection is important - the first being that a home is likely the single largest purchase you'll ever make in your life, so you need to have someone inspect that asset before you buy to make sure your investment is protected.

Madison and I share stories about inspections: funny stories and horror stories.

At SEC Inspection, all of their inspectors are good lookers. If you want to contact Madison you can do so at [email protected] or visit the website at www.secinspection.com.

If you want to share an inspection horror story with me, or if you want advice on what to look for once the inspection is complete, you can connect with me at [email protected] or www.YesnerLaw.com.

On this episode of The Crushing Debt Podcast, we talk about Solar with Tim Converse of Solar Solutions, Inc.

Tim has owned Solar Solutions for more than 22 years and has been in the solar industry for 26 years.

Tim's company can provide an energy audit to see if Solar is good for you. You can use solar to heat your pool, power your house, and provide you a tax credit (which does diminish every year unless renewed by Congress). Solar power is not batteries - meaning the house still will not work if the electricity goes out in a storm.

If you have questions about Solar you can contact Tim at [email protected] or www.solarsolutionsinc.net.

If you have additional questions, contact me at [email protected], or www.YesnerLaw.com.

In this week's episode of The Crushing Debt Podcast I talk about Discovery, the process by which the parties to a lawsuit determine, challenge, narrow, and identify the evidence to be used in proving their case to the judge and/or jury.

There are different types of discovery. Depositions are questions asked in an interview style, under oath. Request for Admissions are written statements that the party must admit or deny as true. Request for Production are designed to force the party to show any documentary or physical evidence it intends to rely upon in proving its case. Interrogatories are requests for written narrative answers to be signed under oath. There is an art both to creating and answering discovery.

If you enjoy the content, please share the episode. If you have questions, please connect with me at [email protected] or www.YesnerLaw.com.

Also, please remember to visit our sponsor, www.ElliottWealth.com for your free 15-minute life insurance check up.

This week, our guest on the show is Steve Hechtman of Rapid Approved Financing, LLC, an alternative business lender.

Steve started the company in 2006 to be an additional source for lending if and when the banks won't lend money.

Steve can help with hard money loans, business loans or real estate loans. All of Steve's loans are non-residential, meaning if the loan is going to be supported by your home or residence, Steve is unable to help.

This episode is unique in that it is the first podcast episode out of all of my 160+ episodes to feature an electric ukulele and an original song - The Rapid Approved Blues!

You can reach Steve at [email protected] or www.RapidApprovedFinancing.com.

If you have questions for me, please contact [email protected] or www.YesnerLaw.com, and please visit our sponsor for your free 15-minute life insurance checkup at www.ElliottWealth.com.

I've been saving up stories of banks (and their attorneys) doing things that make no sense, or doing things that are plain dumb.

For example:

• Wells Fargo arguing with me over getting paid $30 too much in a short sale.
• Opposing counsel requiring an affidavit to cancel a sale on a loan that was paid off in full.
• Deutche Bank cancelling a sale to do a loan modification on a house the client wanted to give up back to the bank.
• Ocwen's representative lying at mediation.

What dumb things have you seen banks do? Please share your stories at [email protected] or www.YesnerLaw.com.

Also remember to visit our sponsor, Elliott Wealth Management Services for your free 15-minute life insurance checkup at www.ElliottWealth.com.

We have Chris Calandra from Elliott Wealth Management Services back on the show to talk about the benefits of life insurance.

Chris and Elliott Wealth are now sponsors of The Crushing Debt Podcast, and you can support them by going to the website - www.ElliottWealth.com to request your free 15-minute life insurance checkup. A service offered only to listeners of the Crushing Debt Podcast.

In this week's episode, we talk about the benefits of Term Life Insurance, including to protect your family and your business from a financial loss. Insurance can also be used to give to your favorite charity or cause.

Insurance is strange in that it is one product that no one likes to buy or use, but when it is needed you're glad you have it.

Elliott Wealth Management Services is a comprehensive financial planning firm and an independent adviser (meaning they are not bound to provide you with any particular company's product and can choose from many different options).

You can listen to Chris's last interview on the show at Episode 157.

Again, for listeners of The Crushing Debt Podcast, go to www.ElliottWealth.com to request your free 15-minute life insurance check up. If you have questions for me, please email [email protected] or visit www.yesnerlaw.com.