Spilling The Title Tea

In this powerful episode of Spilling the Title Tea, Ashley Ramsey sits down with Jennifer Lainhart, Executive Director of Hope's Wings, a grassroots nonprofit organization serving domestic violence survivors in Richmond, Kentucky.

Hope's Wings provides more than just emergency shelter - they offer a comprehensive three-phase program designed to help survivors achieve true independence. From crisis intervention to job training and transitional housing, their holistic approach has achieved an impressive 72% success rate for participants who complete all three phases.

Jennifer shares the organization's inspiring origin story, born from a community effort by First Christian Church in 2005, and explains how they've evolved from a "band-aid station" to a Blueprint for Safety community - one of the only ones in Kentucky. She discusses the challenges of serving a population where 1 in 4 women and 1 in 9 men experience domestic violence, and how Hope's Wings works to break the cycle of abuse through education, empowerment, and practical support.

Listeners will learn about the organization's unique approach to shelter design, ensuring families have private spaces while maintaining community support, and how they partner with local law enforcement and landlords to create a comprehensive safety net.

• 00:51 - The Birth of Hope's Wings: Jennifer explains how Hope's Wings was created by the Madison County community in 2005, starting as a grassroots effort from First Christian Church
• 01:17 - Serving the "Choosing Homeless" Population: "We serve a homeless population that are choosing homelessness because their own homes aren't safe to live in"
• 02:04 - Staggering Statistics: The reality that 1 in 4 women and 1 in 9 men experience domestic violence, affecting a third of the nation's children
• 04:47 - The Three-Phase Program Explained: Jennifer breaks down the comprehensive approach from crisis intervention to empowerment to transitional housing
• 08:25 - How to Access Help: The simple process starts with a phone call to their 24/7 crisis line at 859-623-4095
• 11:49 - Family-Focused Shelter Design: Why Hope's Wings provides private bedrooms for families instead of shared spaces
• 14:53 - Impressive Success Rate: 72% success rate for participants who complete all three phases of the program
• 16:15 - Learning from Early Mistakes: Jennifer's candid story about a family who returned to their abuser due to lack of comprehensive support in the early days
• 19:53 - Blueprint for Safety Community: Hope's Wings' role in creating community-wide policies for addressing domestic violence through evidence-based prosecution
• 20:28 - How the Community Can Help: Practical ways to support through donations, supply drives, and volunteer opportunities
• 22:02 - Respectful Volunteering: Why Hope's Wings focuses on behind-the-scenes volunteer work to preserve residents' dignity
• 24:39 - Jennifer's Advice: "Call us when you have a moment and it's safe for you to do so. There's no pressure... but we'll listen to you."

Hope's Wings – Domestic Violence Program

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24/7 Crisis Line: 859-623-4095

Email: [email protected]

In this special episode of Spilling the Title Tea, owners Ashley Ramsey and Jackie Daugherty team up to answer the most common questions they receive at Springdale Title. They break down the complexities of DOWER rights across different states, explain why their wire transfer security protocols are so important, and clarify the benefits of owner's title insurance policies. Whether you're buying or selling property, this educational episode provides valuable insights to help you navigate the closing process with confidence.

• 00:02 - Introduction to the FAQ format episode with Ashley and Jackie
• 00:29 - Why understanding DOWER rights matters in real estate transactions
• 01:37 - Kentucky's marriage requirements for property transactions explained
• 03:07 - How DOWER rights differ in Tennessee compared to Kentucky
• 04:22 - Differences in property rules across states (Indiana vs. Kentucky/Ohio)
• 05:41 - Ensuring legal compliance in property transactions
• 05:53 - Discussion on wire fraud protection measures
• 06:53 - Why Springdale Title uses enhanced security protocols for wire transfers
• 08:36 - Educating clients about wire fraud prevention
• 10:14 - Benefits of owner's title insurance policies, especially legal fee coverage
• 11:00 - Difference between owner's and lender's title insurance policies
• 12:35 - The expanded title insurance policy option explained
• 14:44 - Why title insurance matters even for new construction properties
• 15:47 - Real story about a builder constructing a house on the wrong lot
• 17:13 - Information about additional FAQ resources on SpringdaleTitle.com

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Jackie

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In this episode of Spilling the Title Tea, Ashley Ramsey sits down with Sandy Adams, owner of Century 21 Pinnacle in Madison County, Kentucky. Sandy shares her unexpected journey into real estate after her husband enrolled her in real estate school without her knowledge - a decision that led to a thriving 23-year career. Beyond running her brokerage with 30 agents, Sandy discusses her passion for community building through her coffee shop, Just Love Coffee Cafe, which hosts community events, business expos, and much more. She offers valuable insights on surrounding yourself with the right people, handling business challenges, and building a legacy focused on values rather than material wealth. Sandy's story is a testament to embracing unexpected opportunities and using business success to create meaningful community impact.

• 00:15 - Ashley introduces Sandy as a "jack of all trades" with vast knowledge across multiple fields
• 00:37 - Sandy shares her background from paralegal to reluctant realtor after her husband enrolled her in real estate school
• 01:56 - How Sandy initially hated the idea of real estate but eventually found her passion
• 04:11 - The unexpected growth of Sandy's brokerage from a solo operation to 30+ agents
• 06:16 - How Sandy acquired Just Love Coffee Cafe and her original plans for the building
• 07:25 - Just Love's role as a community hub hosting various events and supporting local businesses
• 09:30 - Sandy's philosophy on surrounding yourself with the right people and being the "driver of your bus"
• 10:51 - Handling the challenges when the "right people" turn out to be wrong for your team
• 12:15 - Sandy's approach to personal growth inspired by Mel Robbins' "Let Them" philosophy
• 12:52 - Sandy discusses her legacy and focus on her grandchildren rather than material wealth
• 16:02 - The touching story of Sandy's grandfather and how his generosity continues to inspire her today

Sandy Adams, CENTURY 21 Real Estate Agent in Berea, KY

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In this episode of Spilling the Title Tea, Ashley Ramsey reconnects with Kreg King and Nick Steinhauer, co-branch managers of Thrive Mortgage Columbus, nearly a year after their previous appearance. They discuss personal updates, their successful Red Bull event that attracted nearly 400 attendees, current mortgage rate trends, economic predictions regarding inflation and unemployment, and their forward-thinking approach to cryptocurrency in mortgage transactions. Learn why mortgage rates in the mid-6% range are becoming the "new norm" and what might be on the horizon for the economy in 2025.

• 00:33 - Personal life updates from Craig and Nick
• 05:27 - Their annual Red Bull event that more than doubled in attendance
• 06:27 - Review of their previous rate predictions and how accurate they were
• 08:08 - Discussion of potential Federal Reserve rate cuts in 2025
• 08:39 - Explaining stagflation and its current impact
• 12:10 - How consumers are adapting to higher mortgage rates
• 14:33 - The importance of rate stability in the market
• 15:09 - Are we already in a recession or heading into one?
• 18:19 - Why some recessions can be beneficial for the economy
• 19:57 - Using cryptocurrency for home purchases
• 22:53 - The importance of adapting to new technologies in the mortgage industry

Meet The Team at Thrive Mortgage Columbus Ohio - Thrive Mortgage - Columbus, Ohio - Kreg King and Nick Steinhauer

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In this episode of Spilling the Title Tea, host Ashley Ramsey sits down with Shannon Wiley of the Yes Team for Springdale Title. Shannon shares her journey through the title industry, from running titles across Kentucky to facilitating real estate closings. They also dive into the emotional aspects of homeownership transitions and discuss the importance of clean living, from food choices to household products.

Episode Highlights:

• [00:01] Welcome & Introduction to Shannon Wiley
• [00:35] Shannon's Start in the Title Industry
• [02:21] Why She Loves Title Work & Problem Solving
• [04:08] The Joy of Working with First-Time Home Buyers
• [05:28] The Emotional Side of Home Sales & Downsizing
• [07:47] Shannon’s Journey to Clean Eating & Healthier Living
• [09:33] From Gardening to Raising Chickens for Better Food Choices
• [10:53] The Hidden Dangers in Everyday Household Products
• [19:38] The Truth About Fast Food – Shannon and Ashley discuss the unhealthy ingredients in fast food, including sawdust in some processed meats.
• [21:47] Cutting Out Cereal – Shannon shares why she stopped buying cereal and how it improved her family's diet.
• [22:13] Small Steps to Big Change – The importance of gradual dietary adjustments to make healthier habits sustainable.
• [22:45] Feeling the Difference – How eliminating processed foods leads to noticeable improvements in energy and well-being.
• [23:24] Regret After Junk Food – The sluggishness and discomfort that come from eating fast food after switching to a cleaner diet.
• [23:40] The Rising Cost of Healthy Eating – Discussion on how increasing awareness of healthy eating may drive up the price of fresh food.
• [23:54] Growing Your Own Food – Shannon’s approach to home gardening, including blueberries and strawberries for fresh, homegrown breakfasts.

In this episode, James McGuire owner of Owner of Upward ProWash shares his journey of leaving a secure corporate job to focus on his family and build a business aligned with his values. He and Ashley Ramsey discuss the challenges of transitioning from traditional employment to entrepreneurship, the importance of real-world education, and the rewards of investing in family life. They explore how faith, personal growth, and a shift in mindset can lead to a more fulfilling and purpose-driven path.

Episode Highlights:

• [00:00] Introduction and setting the stage
• [16:17] The gap between academic learning and real-world experience
• [18:23] The changing landscape of childhood and education
• [20:32] Redefining success: Beyond traditional career paths
• [22:12] The courage to put family first
• [23:29] The impact of strong family foundations on society
• [24:05] Advice for those considering entrepreneurship and homeschooling
• [26:25] The power of “because goals” in making life-changing decisions
• [27:46] Shifting identity: From corporate job title to entrepreneur
• [28:54] Final thoughts: Stop waiting—start building the life you want

Resources & Links Related to this Episode

James McGuire, Owner of Upward ProWash

 Pressure Washing Service - Richmond, Lexington Kentucky

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In this episode of Spilling the Title Tea, Ashley Ramsey welcomes Bryan Baker from Craftsman Contractors. They discuss the importance of hiring reputable, local contractors, especially after storm damage. Bryan shares his personal experiences with storm restoration, the risks of out-of-town contractors, and the value of working for a company that treats employees like family. Plus, hear inspiring stories about going above and beyond for clients in times of need.

Episode Highlights:

• 00:02 – Introduction to Bryan Baker and Craftsman Contractors
• 01:09 – Bryan’s journey with Craftsman Contractors and the company’s values
• 02:14 – Creating a family-like company culture
• 03:24 – The risks of storm-chasing contractors and why local expertise matters
• 04:43 – How storm victims are left stranded by out-of-town contractors
• 06:07 – The importance of working for a reputable company
• 07:10 – Going above and beyond: Personal stories of helping customers beyond contracting work
• 08:09 – Answering a customer’s call at 6:30 AM for a beeping smoke detector

This episode is a must-listen for homeowners, real estate professionals, and anyone who values quality service and local business integrity.

Resources & Links Related to this Episode

Bryan Baker with Craftsman Contractors

Roofing Contractor in Richmond, KY - Craftsmen Roofing and Exteriors

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In Episode 51 of Spilling the Title Tea, Ashley Ramsey sits down with Fredith Skaife from the Oak Ridge, Tennessee branch to discuss her extraordinary journey. From moving 36 times, navigating personal challenges, and building resilience, to finding strength through faith in the face of unimaginable loss, Fredith’s story is one of inspiration and perseverance. This episode highlights the beauty of overcoming adversity, the impact of organ donation, and the power of family and faith.

00:01 – Introduction and Background

Ashley Ramsey introduces Fredith Scaife and teases Fredith’s fascinating journey from California to Tennessee.

00:36 – Childhood and Early Life

Fredith shares her upbringing in Los Angeles, her family’s move to Texas, and how a breakup led her back to California.

01:54 – Marriage, Family, and the Move to Tennessee

Fredith talks about her marriages, her sister’s influence, and how she eventually relocated to Oak Ridge, Tennessee.

02:27 – Resilience from Moving Frequently

Fredith reflects on how moving 36 times throughout her life impacted her ability to make friends and build resilience.

05:09 – Heartbreaking Loss of a Child

Fredith opens up about the loss of her daughter due to complications from spina bifida, highlighting her daughter’s impact as an organ donor.

07:13 – Faith Through Tragedy

Fredith describes how her faith helped her see her daughter’s passing as part of a bigger plan, which ultimately led to positive life changes.

08:50 – Parenting a Child with Asperger’s and Vocal Cord Paralysis

Fredith shares her experience raising her son, who spent time in the NICU, and her initial fears after his birth. She highlights his brilliance and generous heart despite the challenges.

09:28 – Perspective on Life and Resilience

Fredith reflects on how her life experiences have shaped her strength, resilience, and outlook on life.

In this eye-opening episode of Spilling the Title Tea, Ashley Ramsey sits down with Stephanie Baker from Comprehensive Benefit Solutions to uncover the alarming reality of identity theft, title fraud, and the ripple effects they can have on your life. Stephanie shares real-life stories from her 17 years of experience, highlighting how breaches can affect not just your credit but every aspect of your identity—from tax fraud to title fraud, even impacting children. Learn about proactive measures, the importance of monitoring, and how companies like ID Shield can restore your peace of mind. This is an episode you can't afford to miss if you want to protect yourself, your family, and your future.

Episode Highlights

00:15 – The Growing Issue of Identity Theft

• Discussion on the rise of identity theft, including wire fraud incidents in the mortgage industry.

01:39 – Beyond Credit: The Depth of Identity Theft

• Stephanie explains how identity theft extends beyond bank accounts to mortgages, loans, and more.

03:00 – Real Estate Impact: Title Fraud & Credit Issues

• How identity theft affects home buying, title fraud, and unexpected property liens.

04:39 – ID Shield’s Comprehensive Protection

• Stephanie shares ID Shield’s approach to monitoring, licensed investigators, and restoration services.

06:20 – Personal Experience with Title Error

• Stephanie recounts a personal story about receiving an incorrect tax bill due to a title filing issue.

08:08 – Monitoring in Action: Address Alerts

• How ID Shield’s address monitoring feature flagged potential issues early.

08:25 – Comprehensive Benefit Solutions: More Than Identity Theft

• Overview of additional services, including Legal Shield, offering legal advice and will preparation.

09:44 – The Importance of Having a Will

• Stephanie shares emotional stories from her time as an oncology nurse, highlighting why wills are critical.

Resources & Links Related to this Episode

• Home - Springdale Title, LLC
• Stephanie Boley Baker - LegalShield Associate
• 859-248-4332

Have you ever thought about how much insurance could save you from a disaster—or how fast things could go wrong without it? In this episode I’m joined by Katie Farthing, a State Farm agent who owns her own agency in Lancaster, Kentucky. Katie has decades of experience to bring to the mic to help us talk about the role of insurance in real estate and beyond.

From why you should never leave insurance quotes until the last minute when buying a home to how knowing the age of your roof or plumbing could save you thousands, Katie covers it all. She also shares some crazy stories from her years in the business, including navigating claims after a tornado and the importance of working with a local agent who knows you personally. 

Whether you’re a first time homebuyer, a seasoned property owner or just curious about how to better protect your stuff, this episode is full of tips and info you can’t afford to miss.

Episode Highlights: 

[01:08] The title industry and insurance go hand in hand, because you need both of them when you're buying a property.

[01:46] Katie was 6 months old when her father started his insurance agency.

[02:10] When home buying, you get a list of things you need to do. Insurance is on the list, but people still wait till the last minute. It's a good idea to start the quoting process earlier.

[03:01] Agents need a lot of information about the house. They use this information to calculate the replacement cost. Replacement cost and market value can be two different numbers.

[04:34] An insurance agent can also help you get the best information possible.

[05:39] Get an inspection when buying a home.

[06:04] State Farm has a third party that does home inspections. They do an exterior inspection and look for things that are at risk for the insurance company.

[08:28] An older roof could have issues you don't even know about.

[09:03] Insurance companies may have a list of names of reputable people that they could refer to you.

[09:49] When you have a crisis, you want to call a person. That's where a good agent comes in.

[10:13] In 2009, there was an ice storm and then a tornado. A tornado hit Katie and her husband's property. The tornado demolished their tobacco barn.

[11:03] This was her husband's safe spot, and they also had farming equipment and personal property there.

[12:01] Claims take time. It's also really confusing, and people will have questions. Katie's office has a dedicated claim assistant who helps people through the whole claim process.

[12:40] Some agents can also directly write checks.

[13:14] Katie's mission is to help people. She loves how State Farm is backed by a lot of technology but also has local agents.

[14:03] Having somebody who will stick with you during the whole process even if it takes a year is extremely valuable.

[15:02] Why things aren't covered also has to be explained.

[15:50] It's important to meet with your agent every few years. Changes happen. 

[17:10] You don't have to insure everything you own, but you need to cover what you need to operate your property.

Resources & Links Related to this Episode

• Home - Springdale Title, LLC
• KY Auto & Home Insurance Agent Katie Farthing - State Farm®
• Katie Farthing - Facebook
• (859) 792-1512