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In this episode, we delve into the essential aspects of mortgage loans, providing first-time homebuyers with the knowledge they need to make informed decisions. We discuss various mortgage options, including conventional, FHA, VA, and jumbo loans, explaining how each works and their benefits. You'll learn that a mortgage is essentially a loan secured by real estate, similar to car or student loans. We debunk common myths, such as the misconception that a 20% down payment is necessary to buy a home, emphasizing that conventional loans can require as little as 3% down. Tune in for valuable insights that will help you confidently navigate the home-buying process!
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In this powerful episode of Coach's Corner, Clarence sits down with personal development coach and Toastmasters president, Michael Vincent Brunnhoelzl, for an inspiring conversation you won't want to miss!
Michael opens up about his journey—from facing mental health struggles and challenges in high school to discovering his passion for real estate through his family's brokerage in San Diego. But this episode isn't just about real estate; it's about growth, resilience, and how anyone, especially those over 40, can transform their mindset and impact their community.
If you're looking for motivation to level up your mindset and create meaningful change, tune in now to hear Michael's invaluable insights! Brunnhoelzl, for an inspiring conversation you won't want to miss!
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In this episode of Fit Over 40, host Coach Clarence welcomes Jonathan Niziol, a multifaceted individual with a background in real estate investment, modeling, and training. Originally from Canada and now residing in Texas, Jonathan shares his journey from being a professional lacrosse player to finding his passion in coaching and personal development. He opens up about overcoming feelings of shame and embracing vulnerability as a source of strength. The conversation delves into the impact of personal trauma on coaching, as Jonathan reflects on his own turning points in fitness and life, including his experience of weighing 265 pounds. Tune in for an inspiring discussion filled with insights on growth, healing, and the power of sharing one’s story.
Follow Jonathan:
Instagram: @JonathanNeisel
Website: JonathanNeiselOfficial.com
If you enjoyed this episode, please like, share, and subscribe for more inspiring conversations!Support the show
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In this episode of Fit Over 40, host Coach Clarence sits down with the inspiring. Michele Robbins is a dedicated realtor with over 23 years of experience. Michele shares her journey from being a single mom navigating the real estate market without guidance to becoming the team lead of the elite team at LPT Realty, selling homes across Arizona, and Florida, and soon expanding to Tennessee. With a passion for helping others, she reflects on her challenges and lessons learned along the way. Please tune in to hear Michele's insights on homeownership, the importance of asking the right questions, and her commitment to being a supportive resource for those looking to achieve the American dream of owning a home.
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On this episode of Fit Over 40 with Coach Clarence, the focus is on finances. Coach Clarence highlights the disparities in credit scores between white Americans and non-white Americans, emphasizing the importance of financial education. He discusses how a lack of early financial education can lead to challenges later in life, stressing the need for proactive credit management. Tune in to gain insights on how to improve your financial literacy and make informed decisions for a better financial future.
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On this episode of Coach's Corner, host Coach Clarence interviews Tony Lopes, CEO of Dirty Boots Capitals, a real estate professional, bestselling author, coach, and speaker. Tony shares how he retired at 44, emphasizing his journey with integrity and humility. The conversation delves into mindset and financial training, offering valuable insights for listeners seeking financial independence. Tune in for an engaging discussion filled with wisdom and inspiration.
Grab a copy of Tony's book hereSupport the show
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Overcoming Limiting Beliefs: In this episode of Fit Over 40, Coach Clarence discusses the impact of limiting beliefs on financial success. He defines limiting beliefs as false assumptions and negative thoughts that hinder personal growth and success. Examples include "I'm not good with money" and "Wealth is not for me." By addressing and changing these beliefs, individuals can break free from mental barriers and reach their full financial potential. Tune in to learn how to identify and overcome limiting beliefs to achieve financial success.
Find out more here
https://linktr.ee/clarencemfergusonjrSupport the show
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Twitter: https://twitter.com/fitnusbiznus -
In this episode of Fit Over 40 with Coach Clarence, the focus is on the importance of maintaining a good credit score. Coach Clarence discusses how credit impacts various aspects of life, from loans to job opportunities. He highlights the factors that can affect credit scores and emphasizes the need to regularly check your credit report. Tune in for insightful tips on managing your credit effectively to secure your financial future.
Support the show
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YouTube: Coach Clarence TV
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Twitter: https://twitter.com/fitnusbiznus -
In this episode, Clarence catches up with his friend Lynne Bowman, author of "Brownies for Breakfast," who is 78 years young and thriving. Lynne shares her journey with managing type 2 diabetes since discovering it early in life due to gestational diabetes. She emphasizes the importance of starting early on a path to health and wellness. Join them as they discuss aging, health, and the evolving perceptions of growing older.
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YouTube: Coach Clarence TV
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Twitter: https://twitter.com/fitnusbiznus -
In this episode of Coach's Corner, the host provides a brief overview of the real estate market in Phoenix, addressing common misconceptions and concerns. The discussion focuses on whether a housing market crash is imminent or if the rising inventory is just a mirage. The host emphasizes the importance of staying calm, doing research, and asking questions to understand the market dynamics. Contrary to media headlines, the increasing inventory does not necessarily indicate a crash but rather a more nuanced situation. The episode delves into the rising inventory trend both nationally and in Phoenix, shedding light on its implications for the real estate market.
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YouTube: Coach Clarence TV
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Twitter: https://twitter.com/fitnusbiznus -
Esther Avant, a health industry veteran with over 18 years of experience in fitness, nutrition, and wellness, joins Coach Clarence on Fit Over Your 40. Esther shares her journey from starting as a personal trainer inspired by the movie "Office Space" to becoming a certified sports nutritionist and wellness coach. Tune in to learn about Esther's evolution in the health and lifestyle coaching space over the last two decades.
Grab her “Big Rocks” Habit Tracker at https://www.estheravant.com/habits
Find out more about her at www.estheravant.comSupport the show
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YouTube: Coach Clarence TV
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On this episode of Coach's Corner, host Clarence introduces Sean Tepper, the founder of Tacker, a software designed to help individuals manage their investments confidently. Sean shares his journey of starting Tacker as an Excel sheet in 2016, which eventually evolved into a software after receiving positive feedback from other investors. Tune in to learn how Sean's background in tech and business led him to create a tool that has consistently delivered returns ranging from 15 to 50%.
Support the show
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In this episode of Fit Over 40, Coach Clarence discusses the importance of self-reflection and checking oneself to avoid future regrets. Drawing inspiration from his friend Ice Cube's song "Check Yourself," he emphasizes the significance of assessing behavior, relationships, and personal habits. From identifying "holes in your game" to recognizing bad spending habits, Coach Clarence highlights the value of introspection to lead a more fulfilling and successful life.
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Twitter: https://twitter.com/fitnusbiznus -
On this episode of Fit Over 40 with Coach Clarence, Coach Clarence interviews Angela Beyer, a health coach and personal trainer specializing in a muscle-centric approach to health and fitness. Angela emphasizes the importance of building healthy muscle tissue to achieve fitness goals, rather than solely concentrating on body fat. She explains how improving muscle health can lead to better body composition and a more sustainable approach to weight and fat loss. Tune in to learn more about Angela's unique perspective on fitness and health.
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In this episode of Coach's Corner, Coach Clarence discusses three types of loans to consider in a high-interest rate market. He explains the differences between fixed-rate and adjustable-rate mortgages (ARMs), highlighting the pros and cons of each. While fixed-rate mortgages offer a stable interest rate for the loan's duration, ARMs can adjust based on the market with a cap limit. Coach Clarence emphasizes the importance of understanding these loan options to make informed decisions in a changing market.
00:00:00 - Introduction to Coach's Corner
00:00:14 - Overview of Loan Types in High Interest Rate Market
00:00:35 - Fixed Rate Mortgages Explained
00:01:07 - Adjustable Rate Mortgages (ARMs) Explained
00:02:01 - Pros and Cons of Fixed Rate Mortgages
00:02:12 - Pros and Cons of Adjustable Rate Mortgages
00:03:04 - Introduction to Buy Downs
00:03:35 - Pros and Cons of Buy Downs
00:05:09 - Qualifying for Buy Downs
00:05:31 - Introduction to HELOCs
00:06:12 - Benefits of HELOCs
00:07:27 - Cons of HELOCs
00:08:20 - Importance of Credit Management
00:09:13 - Interest Rates and Market Trends
00:10:16 - Strategic Mortgage Payments
00:10:58 - Home Equity and Appreciation
00:11:19 - First Home Considerations
00:12:01 - Building a Stable Financial Future
00:12:23 - Recap of Loan Types
00:13:04 - Strategic Use of ARMs
00:13:47 - Strategic Use of Buy Downs
00:14:20 - Multi-Unit and Multi-Generational Properties
00:15:05 - Renting vs. Homeownership
00:15:56 - Final Advice and EncouragementSupport the show
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In today’s episode, we had the pleasure of speaking with Jeanell Green, a seasoned relationship coach who brings a wealth of experience and personal insight into the dynamics of romantic partnerships, especially after the age of 40. Jeanell shared her journey from a high-flying sales career to discovering her true calling in relationship coaching after a series of personal revelations and transformations.
Jeanell opened up about her relationship history, including her first marriage which ended in divorce, and how this experience propelled her into relationship coaching. She discussed the importance of self-awareness and taking responsibility in relationships, rather than trying to change one's partner.
A significant part of our discussion revolved around the challenges men face in relationships, which Jeanell encounters often in her practice. She highlighted how men are increasingly seeking help to become better partners and understand their own emotions and actions better.
Discussion on the evolution of gender roles in relationships and how couples can negotiate these based on their strengths and preferences.Download this episode for a unique way of dealing with Relationships and be sure to share with your friends.
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In this episode of Fit Over 40, Coach Clarence discusses the five essential pillars for a healthier life for busy professionals. He emphasizes the importance of nutrition, focusing on incorporating healthy, unprocessed foods and staying hydrated. Coach Clarence also highlights the benefits of strength training two to three times a week, especially for individuals over 40. Tune in for simple yet impactful strategies to enhance your overall well-being.
00:00:01 - Introduction to Healthier Living
00:00:32 - Nutrition Essentials
00:01:41 - Importance of Exercise
00:02:01 - The Need for Sleep
00:03:05 - Mental Wellness Focus
00:03:47 - Social Wellness Importance
00:04:21 - Conclusion and Contact InformationSupport the show
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YouTube: Coach Clarence TV
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In this episode of Fit Over 40, Coach Clarence discusses essential tips for first-time home buyers. He emphasizes the importance of knowing your budget, getting pre-approved, and understanding the role of credit. Buying a home is a key step towards building wealth, and Coach Clarence offers valuable insights to help listeners navigate the home buying process successfully.
00:00:10 - Introduction to Home Buying Tips
00:01:03 - Know Your Budget
00:01:35 - Importance of Credit Score
00:03:13 - Getting Pre-Approved
00:04:37 - Choosing the Right Location
00:06:11 - Long-Term Home Buying Strategy
00:07:45 - The Importance of Home Inspections
00:08:06 - Understanding the Closing Process
00:12:43 - Being Flexible in the Home Buying Process
00:13:36 - Recap and Next Steps in Home Buying
Find out More here:
http://www.clarenceferguson.comSupport the show
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YouTube: Coach Clarence TV
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In this episode of Fit Over 40, Coach Clarence interviews Carolina Sotomayor, a Reiki fertility womb healer, discussing her spiritual journey and the impact of grief on her life. Carolina shares her experience with seeking spiritual guidance after her father's passing and how it led her to explore Reiki healing. Tune in to learn more about Carolina's path to becoming a healer and the power of spirituality in overcoming challenges.
00:00:02 - Introduction and Guest Introduction
Introducing the podcast "Fit Over 40" with host Coach Clarence and guest Carolina Sotomayor, a Reiki fertility womb healer.00:01:00 - Carolina's Journey to Reiki
Carolina shares her personal story of grief, spiritual awakening, and how Reiki played a role in her fertility and overcoming postpartum depression.00:05:19 - Focusing on Fertility and Online Transition
Carolina discusses her shift to focusing on fertility healing, moving her practice online, and the impact of Reiki on women's fertility issues.00:07:06 - Celebrating Fertility Successes
The celebration of nearly 100 babies conceived with the help of Carolina's Reiki practice and the importance of addressing emotional blockages for fertility.00:10:36 - Women's Health and Legislation
A discussion on the current state of women's health legislation and its impact on fertility treatments and women's choices.00:13:41 - Defining Fertility
Carolina explains her perspective on fertility and the individualized nature of fertility goals and plans for her clients.00:16:23 - The Reiki Process
An explanation of what Reiki is, how it works, and its application to womb healing and fertility.00:19:38 - Client Onboarding and Consultation
The process of how clients start working with Carolina, from initial contact to choosing the right program for their needs.00:25:49 - Personal Life and Family Activities
Carolina shares a glimpse into her family life, including their plans for a pizza night and enjoying simple, everyday moments.00:28:28 - Date Nights and Relationship Maintenance
The importance of date nights and maintaining a strong relationship, along with some of Carolina's personal date night experiences.00:29:43 - Gift for Listeners
Carolina offers a special gift to the podcast listeners, including a six-part Reiki series and a trial of her Make a Baby membership.00:30:59 - How to Follow and Connect
Information on where to follow Carolina Sotomayor and how to connect with her for those interested in learning more about her work.Join the Reki Baby Movement
http://carolinasotomayor.com/movement
What they will receive:
Download the FREE Connect to Your Spirit Baby Now Reiki Guided MeditationJoin our FREE Facebook CommunityGet 3 days FREE inside the Make A Baby MembershipSupport the show
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YouTube: Coach Clarence TV
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Coach Clarence delves into the topic of preserving your legacy, discussing it from a financial perspective with a touch of fitness. He emphasizes the importance of considering what you leave behind for future generations, whether it be your family, company, or community. Clarence highlights the common fixation on interest rates in financial decisions and challenges the notion that the lowest rate is always the best choice. He encourages loan officers to move beyond simply selling rates and to provide more comprehensive and personalized service to clients. Check out Coach Clarence on TikTok at TheRealCoachClarence and on Instagram at ClarenceMFerguson for more insights on financial fitness.
[00:00:24] Preserving your legacy.[00:06:26] Interest rates and loan risk.
[00:09:50] Preserving your legacy with trust.
[00:13:56] Utilizing a living trust.
[00:15:20] Setting up a living trust.
[00:20:41] Keeping relationships drama-free.
Support the show
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YouTube: Coach Clarence TV
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Twitter: https://twitter.com/fitnusbiznus - Visa fler
