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In this episode, we unravel the complexities of New Jersey's real estate market, offering you a front-row seat to expert insights and practical advice.

Whether you're a first-time homebuyer or a seasoned investor, learn how to navigate market trends, leverage renovation opportunities, and make informed decisions that maximize your investment.

Join us as we explore the nuances of buying, selling, and renovating homes in the Garden State, and discover how to turn challenges into opportunities. Don't miss this chance to gain valuable knowledge and elevate your real estate game!

Feeling inspired to finally tackle the task of finding your dream home? I'm your mortgage guy willing to go the extra mile for every client! Contact me here: https://www.cmghomeloans.com/mysite/j...
[email protected]

Be sure to follow Corey on socials: @thenewjerseylivinggroup or @coreyjrealtor

This Episode Sponsored By:

Real Estate Title - Professional title services across New Jersey

Molson Law LLC - Comprehensive legal services throughout New Jersey

Goosehead Insurance - Complete coverage solutions for New Jersey residents

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From a simple investment to a community movement, this is the story of Urban Burger.

In this episode of Let’s Talk About It, Jimmy Mortgage sits down with Rico, the owner of Urban Burger in Cranford, NJ,  the town’s only Black-owned restaurant.

We dive into:
✅ How Rico and his wife turned an investment into a passion-driven business
✅ The sacrifices and pivots that led to long-term success
✅ Why their food truck makes MORE money than their brick-and-mortar
✅ The power of community, culture, and mentorship in entrepreneurship
✅ Lessons every business owner can apply about branding, marketing, and multiple income streams

Urban Burger isn’t just serving up fries and burgers, they’re building culture, community, and generational wealth.

If you’re an entrepreneur, foodie, or dreamer looking for inspiration, this episode is for you!

Don’t forget to like, comment, and subscribe for more conversations with business owners making an impact.

Goosehead Insurance - Servicing clients all across New Jersey

Real Estate Title - Servicing clients all across the state of New Jersey

Molson Law LLC - Servicing clients all across New Jersey

Seal Power - Home comfort and energy efficiency solutions (Energy Star Sustained Excellence Award winner, featured on Good Morning America, The New York Times, and World News) - Visit http://CIELPOWER.com

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Today, we’ve got your host Jimmy Mortgage, sitting down with Tenille Ortiz, and let me tell you… This woman is incredible.

She's been running Cupcake Carriage for 12 years now, and it's way more than just a bakery on wheels. Tenille grew up in Harlem and didn't have any fancy connections or startup money. She literally built this thing from nothing.

What started as making custom cakes turned into this amazing mobile experience where they roll up to corporate events and realtor open houses with fresh cupcakes, French macarons, and even ice cream.

But here's the cool part… families can actually hop inside the truck and decorate cookies with their kids while checking out open houses. It's genius, right? Realtors are eating this up because it helps them stand out from everyone else doing the same boring stuff.

But wait, it gets better. Tenille isn't just about making money; she's giving back big time through her "Built from Scratch" program, where she teaches kids from inner-city communities how to run businesses using cupcakes as the teaching tool.

This woman knows her stuff too - she tracks every single ingredient down to the tablespoon because she gets that knowing your numbers is everything.

The story that'll get you, though, is when her very first big client turned out to be someone from her old neighborhood who'd been quietly watching her grind for three years and dropped $1,200 on a birthday party package just to show her daughter that people like them can make it. That's real community support that hits different.

Connect with Tenille Ortiz

• Instagram: @‌thecupcakecarriage
• Website: http://www.thecupcakecarriage.com
• Location: Ridge Road, North Arlington, New Jersey
• Services: Mobile bakery, boutique location, corporate events, birthday parties, business workshops, and the "Built from Scratch" youth entrepreneurship program

Connect With Your Host Jimmy Mortgage:

https://www.instagram.com/jimmy.mortgage/

https://www.youtube.com/

@‌jimmymortgage9515

https://www.linkedin.com/in/jimmy-mortgage-mba-431b8a6/

Sponsors

• Goosehead Insurance - Servicing clients all across New Jersey
• Real Estate Title - Servicing clients all across the state of New Jersey
• Molson Law LLC - Servicing clients all across New Jersey
• Seal Power - Home comfort and energy efficiency solutions (Energy Star Sustained Excellence Award winner, featured on Good Morning America, The New York Times, and World News) - Visit http://CIELPOWER.com

#bakery #cupcakes #desserts #newjersey 

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The Shocking Truth About Podcast Money

Only 1% of podcasts make six figures, and 97% never even reach 200 episodes. But here's the twist: it's not because podcasting is saturated. It's because most creators are playing the game completely wrong. Brendan Boyd, who's helped podcasters generate millions in revenue, reveals that 78% of podcasters are chasing brand deals and sponsorships while the real money is hiding in plain sight.

The brutal reality? About 90% of podcasters don't even have an LLC. They're treating million-dollar opportunities like weekend hobbies, which is why they fail before they start.

The "First Class" Strategy That Changes Everything

Brendan drops a game-changing analogy: your free podcast is like economy seating on a plane, while paid communities are first class. And guess what? First class is always full. Even with just 100 downloads, if 10% of your audience pays $99/month for premium access, that's $1,000 in recurring revenue. Most podcasters never offer "first class" because they don't realize people are willing to pay for more access.

The $500 VIP Package Secret

Here's where it gets brilliant. Every guest on your show is essentially getting free videography and content creation. If they hired someone else, they'd pay top dollar. Brendan flips this by offering guests a VIP package with edited clips, raw footage, and behind-the-scenes content for $500. The conversion rate? 40-50% of guests say yes. That's an extra $2,000-3,000 per month from content you're already creating.

From Seven Figures to Zero (And Back Again)

Brendan's backstory is wild. He built a seven-figure clothing company using his grandmother's life insurance money and home equity, then lost it all because he didn't understand business fundamentals. The lesson? America's economy runs on other people's money, not your own savings. He calls it the "black tie event" principle: show up properly structured as a business, and you get access to funding and opportunities. Show up like a hobbyist, and you don't even get past security.

The Camera as Ultimate Leverage

Want to network with successful people? Stop asking them to lunch. Brendan discovered that the same entrepreneurs who won't spare 30 minutes for coffee will happily do hour-long podcast interviews. The camera became his entry point into circles that would have been impossible to access otherwise. Everyone wants exposure, so your podcast becomes the key that opens every door.

The Bottom Line

Brendan's currently documenting his mission to hit two million dollars in six months, but he's quick to remind us that what seems big to most people is small to others. The real message? If you're not willing to invest five figures to make six figures, you don't really want it. The information is out there, the tools exist, and the market is wide open for those who treat podcasting like the media business it actually is.

Connect with Brendan Boyd

Text "POD" to (213) 410-4920 for his free podcast monetization course and access to his text community.

Follow his journey on Instagram https://www.instagram.com/itsbrendanboyd/

Connect With Your Host Jimmy Mortgage:

https://www.instagram.com/jimmy.mortgage/

https://www.youtube.com/

@‌jimmymortgage9515

https://www.linkedin.com/in/jimmy-mortgage-mba-431b8a6/

Episode Sponsors

Real Estate Title - Servicing clients all across the state of New Jersey
Goosehead Insurance - Servicing clients all across New Jersey

#podcasting #podc

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Meet Your Guest: The Realtor Who Literally Dances Through Deals

What happens when a mental health professional trades therapy sessions for closing tables? Meet Chrissy Keys, better known as "The Dancing Realtor" – a force of nature who's revolutionizing New Jersey real estate one shimmy at a time. After a decade in mental health, burnout and health challenges led Chrissy to an unexpected career pivot that would transform not just her life, but how her clients experience buying and selling homes.

Don't let the dancing fool you – this "Fireball" (as her clients affectionately call her) brings serious expertise to every transaction, combining therapeutic empathy with market savvy as she sets her sights on expanding from New Jersey's competitive landscape to Florida's sunny shores.

What We're Unpacking This Episode

The New Jersey Reality: The Garden State's notoriously high property taxes and shifting market dynamics are creating new challenges for both buyers and sellers. Chrissy breaks down how the market is transitioning from extreme seller conditions to a more balanced playing field, and what that means for your next move.

When Authenticity Meets Business: From initial pushback from traditional brokers to becoming a client favorite, Chrissy's journey proves that staying true to yourself – dancing and all – can be your greatest business asset. Her personality-driven approach turns high-stress transactions into positive experiences.

Serving Beyond the Sale: As a dedicated Latino Chamber of Commerce member, Chrissy's commitment extends far beyond commission checks. She's particularly passionate about supporting immigrant clients through uncertain times, providing not just real estate guidance but genuine understanding and access to specialized loan products.

The Art of Adaptation: After the challenges of building and dismantling a team, Chrissy shares hard-won insights about sustainable growth, knowing when to ask for help, and building referral networks that actually work.

Hyperlocal Expertise: Want to know where to grab the best bite in Asbury Park? Chrissy's got you covered with insider recommendations from Latin Diner to Watermark Restaurant, proving that great realtors are also great community resources.

This Episode Sponsored By:

• Real Estate Title - Professional title services across New Jersey
• Molson Law LLC - Comprehensive legal services throughout New Jersey
• Goosehead Insurance - Complete coverage solutions for New Jersey residents

Connect with Chrissy Keys:

• Instagram: @‌chrissy_keys
• Email: [email protected]
• Find her on Facebook and Google

Connect With Your Host Jimmy Mortgage:

https://www.instagram.com/jimmy.mortgage/

https://www.youtube.com/

@‌jimmymortgage9515

https://www.linkedin.com/in/jimmy-mortgage-mba-431b8a6/

#realestate #realtor #businessowners #businessminded #businessmindset #realtorlife 

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From Survival Mode to Abundance Mindset

Charles shares his journey from growing up in a single-parent household with a "lack mindset" to understanding abundance. He explains how realizing there are enough resources, real estate, and wealth for everyone transformed his approach to business and life.

Key Quote: "Once you get past that level where you feel like you have enough and you realize that there's an abundance of resources, you start to understand that you can share, you can give back, you can impact other people."

Charles discusses his philosophy of focusing on one thing rather than being a serial entrepreneur across multiple ventures. He transitioned from owning various businesses (luxury car rental, Allstate agency) to focusing exclusively on real estate. Key Insight: "I see people with one business as multimillionaires. We're looking down the hall. There's a multimillionaire there, and he does one thing."

Charles challenges the traditional real estate investment approach, advocating for building from scratch rather than fixing and flipping existing properties. 

Charles shares his strategy for using business credit cards at 0% interest instead of expensive hard money loans for real estate investments. Financial Strategy: Business credit allows borrowing in the company's name without affecting personal credit, often at 0% interest for 12-18 months through major banks.

Charles emphasizes the importance of cash flow over large sums of money, pointing to athletes and celebrities who burn through fortunes. Wealth Philosophy: "Cash flow is the king. Cash flow is wealth. It's not a stack of money because we see athletes burn that stack of money." Charles addresses the decline in Black land ownership from 14% after the Civil War to just 1.3% today, emphasizing the need for legacy building and succession planning.

Charles traces the evolution of his podcast from "The Land Bank Show" to "Brick by Brick" to "The Real Estate Newsroom," showing his willingness to adapt and grow. Vision: Creating a dedicated real estate news platform where the community can get real estate news, education, and celebrate wins that mainstream media wouldn't cover. Charles shares his approach to community giving, including turkey drives and toy giveaways during holidays. Core Belief: "I've never seen anyone go broke through donating to charities. Whatever you're giving will find its way back to you tenfold."

Charles reveals his ambitious goal to create a daytime talk show focused on real estate success stories, potentially picked up by a major network. Fearless Approach: "I'm not afraid to lose. I'm not afraid to fail... the fear of failure bothers some people, but failure will push you so much further ahead than if you never did it." Key Takeaways: This episode reveals several transformative principles that Charles has applied throughout his journey.

OUR SPONSORS:

Real Estate Title servicing clients across New Jersey, 

Goosehead Insurance is servicing clients across New Jersey 

Molson Law LLC is servicing clients across New Jersey

Seal Power, an Energy Star Sustained Excellence Award winner, featured on Good Morning America and The New York Times.

Contact Information

Instagram: @‌charlesjnoonan

YouTube: Real Estate Newsroom

Website: http://CharlesNoonan.com

Connect With Your Host Jimmy Mortgage:

https://www.instagram.com/jimmy.mortgage/

https://www.youtube.com/

@‌jimmymortgage9515

https://www.linkedin.com/in/jimmy-mortgage-mba-431b8a6/

#realestate #realtor #businessowners #businessminded #businessmi

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Midtown Direct Expertise Emma Murtha specializes in helping NYC commuters transition to New Jersey suburbs along the Midtown Direct train line.

She guides clients through everything from train schedules to parking availability, ensuring they make informed decisions about their move.

Her deep knowledge of commuter logistics helps families avoid common pitfalls like buying a house only to discover they can't park at the train station. The Neighborhood-First Philosophy "Nobody buys a home without first being in love with the neighborhood," Emma explains.

She believes in transparency, showing clients exactly what homes have sold for and asking if they could see themselves paying similar amounts. Her guiding motto for buyers is "You win in this market as long as you walk away without regret," helping them make decisions they can live with long-term.

Market Reality Check When buyers experience sticker shock or get overwhelmed by negative media coverage, Emma helps them overcome fears by presenting hard data on unemployment rates, market conditions, and inventory levels. Rather than just offering reassurance, she debunks recession fears with factual information, showing clients concrete data that illustrates current market realities versus past economic downturns.

Full-Service Approach The Sue Adler Team operates with specialists for every transaction step, from pre-inspection to closing, ensuring clients receive expert guidance throughout their journey. Emma also assists with rentals when buying isn't the right fit, understanding that sometimes clients need to step back before moving forward. This flexibility helps people make the best decision for their circumstances rather than forcing a purchase. What Drives Her "We're not just finding them a house - it's a place, a setting for their life and to make memories," Emma reflects.

Her passion comes from knowing she's helping create the backdrop for life's most important moments, from first days of school to holiday gatherings. This perspective transforms each transaction from a simple real estate deal into something deeply meaningful. South Orange Love. When pressed to choose a favorite town, Emma picks South Orange for what she calls the "trifecta" of great downtown, excellent schools, and convenient train access.

She loves the historic charm of older homes and the vibrant restaurant scene that keeps suburban life exciting, proving that moving from the city doesn't mean sacrificing culture and dining options.

Connect with Emma & The Sue Adler Team:

Website: Sue Adler Team (includes train info & town tour videos) https://sueadler.com/?fbclid=PAZXh0bgNhZW0CMTEAAae6Wrx6PtFdhQJbB8PBR0vi1bhJcKNrm1n5O8rMXuB29kUKx8EfWlQdOh8UCg_aem_LipZnYMJ7RyQ5ee77k-c7A

Instagram: https://www.instagram.com/sueadlerteam/ & https://www.instagram.com/jerseydreamhomes/

Specializing in Northern & Western New Jersey

Connect With Your Host Jimmy Mortgage:

https://www.instagram.com/jimmy.mortgage/

https://www.youtube.com/

@‌jimmymortgage9515

https://www.linkedin.com/in/jimmy-mortgage-mba-431b8a6/

#realestate #realtor #businessowners #businessminded #businessmindset #realtorlife 

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Dr. Jules, audiologist at Hearing Doctors of New Jersey, shares her remarkable journey from competitive figure skater to hearing healthcare advocate. Her path to audiology began with a career-changing injury at 14 that was overlooked by multiple doctors for months, leaving her in excruciating pain and unable to walk.

She emphasizes that hearing is our only sense that works 24/7, noting that "we close our eyes, not our ears," which makes it fundamentally different from vision. For children, this is particularly crucial since 80% of their learning is "incidental," meaning they're simply listening to conversations around them and absorbing information naturally.

Modern hearing healthcare has evolved dramatically from the traditional quick visits to comprehensive 2-hour appointments that include advanced testing of how your brain processes sound. Dr. Jules's practice offers same-day treatment to prevent the typical 7-10 year delay that most people experience before addressing their hearing issues. They've even integrated cognitive screening into hearing evaluations, recognizing the interconnected nature of hearing and brain health.

Dr. Jules delivers a strong warning about the biggest hearing health mistake people make: getting hearing aids at big box stores like Costco. Using a memorable analogy, she states, "You wouldn't get a colonoscopy at Costco," emphasizing that hearing healthcare requires professional medical treatment from licensed audiologists, not DIY solutions or over-the-counter hearing aids for serious hearing loss.

Perhaps the most touching moment comes when Dr. Jules shares a story about an elderly patient who hadn't treated her hearing loss for over a decade. When the hearing aids were first fitted, the woman nearly cried because she could hear clearly for the first time in years. This patient, who had lost her husband two years prior, now comes in regularly and hugs Dr. Jules, saying "I love you" and representing the profound impact that proper hearing care can have on someone's life and relationships.

Dr. Jules practices at Hearing Doctors of New Jersey, located in Livingston near the Livingston Diner on Northfield Road. Her practice specializes in comprehensive 2-hour evaluations with same-day treatment options.

OUR SPONSORS: 

Ashley Molson | Real Estate Attorney for NJ Investors https://www.instagram.com/realestatelawnj?igsh=YjVubHMxYjZmYXZz

Goosehead Paula NY / NJ Insurance Broker w/ 25+ AM Best A-rated carriers for everything you own! https://www.instagram.com/goosehead_paula?utm_source=ig_web_button_share_sheet&igsh=ZDNlZDc0MzIxNw==

RealSafe Title Real Estate Title & Development 111 Littleton Road, Suite 301, Parsippany, New Jersey 07054 https://www.instagram.com/realsafetitle?utm_source=ig_web_button_share_sheet&igsh=ZDNlZDc0MzIxNw==

Connect with Dr. Jules May, Au.D.

Doctor of Audiology

Hearing Doctors of New Jersey

340 E. Northfield Rd., Suite 2B

Livingston, NJ 07039

https://hearingdoctorsofnj.com/

Connect With Your Host Jimmy Mortgage

https://www.instagram.com/jimmy.mortgage/

https://www.youtube.com/   @‌jimmymortgage9515 https://www.linkedin.com/in/jimmy-mortgage-mba-431b8a6/

Episode available on Apple Podcasts, and Spotify

#hearingdoctor #heari

Dr. Jules, audiologist at Hearing Doctors of New Jersey, shares her remarkable journey from competitive figure skater to hearing healthcare advocate. Her path to audiology began with a career-changing injury at 14 that was overlooked by multiple doctors for months, leaving her in excruciating pain and unable to walk.

This experience of medical oversight shaped her mission that "I wouldn't let any disease go overlooked," ultimately leading her to pursue a doctorate in audiology where she could help others avoid similar experiences.

She emphasizes that hearing is our only sense that works 24/7, noting that "we close our eyes, not our ears," which makes it fundamentally different from vision. For children, this is particularly crucial since 80% of their learning is "incidental," meaning they're simply listening to conversations around them and absorbing information naturally.

Modern hearing healthcare has evolved dramatically from the traditional quick visits to comprehensive 2-hour appointments that include advanced testing of how your brain processes sound. Dr. Jules's practice offers same-day treatment to prevent the typical 7-10 year delay that most people experience before addressing their hearing issues. They've even integrated cognitive screening into hearing evaluations, recognizing the interconnected nature of hearing and brain health.

One of the most enlightening parts of the discussion centers on tinnitus, which Dr. Jules corrects as "tinnitus" rather than "tinnitus," explaining that the suffix "-itis" means inflammation, which tinnitus isn't. She reveals that 90% of tinnitus cases are actually symptoms of hearing loss, and there's now an FDA-approved treatment called "Lenire" that became available in 2023. Her message is clear: don't believe anyone who tells you to "just live with it" because effective treatment options exist.

Dr. Jules delivers a strong warning about the biggest hearing health mistake people make: getting hearing aids at big box stores like Costco. Using a memorable analogy, she states "You wouldn't get a colonoscopy at Costco," emphasizing that hearing healthcare requires professional medical treatment from licensed audiologists, not DIY solutions or over-the-counter hearing aids for serious hearing loss.

Perhaps the most touching moment comes when Dr. Jules shares a story about an elderly patient who hadn't treated her hearing loss for over a decade. When the hearing aids were first fitted, the woman nearly cried because she could hear clearly for the first time in years. This patient, who had lost her husband two years prior, now comes in regularly and hugs Dr. Jules, saying "I love you" and representing the profound impact that proper hearing care can have on someone's life and relationships.

Dr. Jules practices at Hearing Doctors of New Jersey, located in Livingston near the Livingston Diner on Northfield Road. Her practice specializes in comprehensive 2-hour evaluations with same-day treatment options.

Connect with Dr. Jules May, Au.D.

Doctor of Audiology

Hearing Doctors of New Jersey

340 E. Northfield Rd., Suite 2B

Livingston, NJ 07039

https://hearingdoctorsofnj.com/

Connect With Your Host Jimmy Mortgage

https://www.instagram.com/jimmy.mortgage/

https://www.youtube.com/   @‌jimmymortgage9515 https://www.linkedin.com/in/jimmy-mortgage-mba-431b8a6/

Episode available on Apple Podcasts, and Spotify

#hearingdoctor #hearingloss #newjersey 

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Michelle Cooper brings a fascinating twist to Northern New Jersey real estate as a licensed broker who simultaneously works as a flight attendant. While most agents are tied to their desks, Michelle closes deals from crew rest areas at 30,000 feet, maintaining her business through WiFi connections and strategic scheduling across time zones. Her unique lifestyle allows her to jet off to Cape Town, South Africa, every four months just to get her hair braided - a testament to how she's mastered work-life integration.

Her journey into real estate began after reading "Think and Grow Rich" by Napoleon Hill, but it's her seven-year background as a mental health social worker that gives her the edge. This psychology training helps her navigate the emotional rollercoaster of buying and selling homes, understanding client behavior in ways most agents never could. Her approach to networking is refreshingly direct: "Hi, I'm Michelle Cooper. Can I list your home?" - and somehow, it works.

Michelle doesn't sugarcoat the harsh realities of Northern New Jersey's market. She breaks down the rent-versus-buy math for clients: paying $3,000-$4,000 in rent versus $4,000-$5,000 for a mortgage that builds equity and offers tax benefits. Her most challenging deal involved a seller who had died years earlier without anyone knowing, requiring her to navigate complex cross-state title issues that took over eight months to resolve, proving that real estate can be more dramatic than any in-flight turbulence.

Between flights to Ghana for medical missions and her regular Cape Town hair appointments, Michelle has found her sweet spot serving Essex, Morris, and Union counties. Her philosophy is simple: understand your client's "why," price properties realistically, and remember that agents need to work together, not against each other. Oh, and if you're ever in the area, she recommends the oxtail dumplings at Seasons in Inglewood - just don't plan on driving home after their cocktails.

Connect with Michelle Cooper:

Instagram: @‌Shellz0982 and @micohomes

Facebook: https://www.facebook.com/michelle.cooper.58910049

Connect With Your Host Jimmy Mortgage

https://www.instagram.com/jimmy.mortgage/

https://www.youtube.com/   @‌jimmymortgage9515 https://www.linkedin.com/in/jimmy-mortgage-mba-431b8a6/

#realestate #realtor #businessowners #businessminded #businessmindset