What is the impact of Governor DeSantis refusing to extend the eviction and foreclosure moratorium in Florida?
#YesnerWins #CrushingDebt #CrushingDebtPodcast #CrushingDebtBook
#BecomeDebtFree #BecomeDebtFreeBook #DebtFree
Florida Governor DeSantis is allowing the Florida eviction and foreclosure moratorium set by Executive Order to expire at 12:01 AM on October 1, 2020. Any CDC eviction moratoriums and CARES Act foreclosure moratoriums still apply.
https://www.google.com/amp/s/www.tampabay.com/news/business/2020/09/30/desantis-will-let-floridas-eviction-and-foreclosure-moratorium-expire/%3foutputType=amp
TAMPABAY.COM
DeSantis will let Florida’s eviction and foreclosure moratorium expire
Zoom meeting with referral partners to grow Yesner Law! #YesnerWins #CrushingDebt #CrushingDebtPodcast #CrushingDebtBook
#BecomeDebtFree #BecomeDebtFreeBook #DebtFree
Buying Property at Foreclosure Sale. Good idea or bad?
Had a consultation today with a lady who bought property at a Condo Association foreclosure sale.
What did she do right? And what was VERY wrong?
Find out in this video. If you have questions about investing in foreclosure properties, please contact me for a free consultation.
#YesnerWins #CrushingDebt #CrushingDebtPodcast #CrushingDebtBook
#BecomeDebtFree #BecomeDebtFreeBook #DebtFree
Ready for my zoom hearing ... #YesnerWins #CrushingDebt #CrushingDebtPodcast #CrushingDebtBook
#BecomeDebtFree #BecomeDebtFreeBook #DebtFree
My copy arrived today!
This week's new episode of The Crushing Debt Podcast is a great way to invest in real estate with low risk.
To understand why this is a great strategy, you need to understand lien priority. To prepare you for Thursday's episode, please listen to this "classic" Crushing Debt Podcast Episode on Lien Priority (episode 26): http://ow.ly/oho550BQVf2
TRAFFIC.LIBSYN.COM
Episode 26 Lien Priority
Is there a tidal wave of evictions and foreclosures coming in Florida?
Recently, Florida's Governor DeSantis refused to extend an Executive Order that put a freeze on foreclosures and evictions in Florida, where the payment default was due to a loss of income caused by COVID.
What can someone do who is in fear of being able to pay their bills due to a loss of income caused by COVID?
This week's guest on the Crushing Debt Podcast is attorney Bryant Dunivan of Owen Dunivan. Bryant focuses his practice primarily in the fields of Debtor’s Rights including Foreclosure Defense, Bankruptcy, Fair Debt Collection violations, Fair Credit Reporting violations, and Credit Card/Debt Negotiations.
Bryant and I talk about the various federal laws that exist that provide protection for borrowers, homeowners, tenants and landlords due to the Coronavirus including:
- Real Estate Settlement Procedures Act (RESPA)
- Truth In Lending ACT (TIL or TILA)
- CARES Act
- CDC Orders & Guidelines
For someone afraid of losing their home or being evicted, please reach out to Bryant or to me to understand your rights during this pandemic.
Bryant can be reached at www.OwenDunivan.com or BDunivan@OwenDunivan.com.
Please also visit our sponsor if you are an attorney or title company who wants a competitive quote on malpractice insurance. Sam@AttorneysFirst.com or www.AttorneysFirst.com.
Finally, to find 30+ ideas on how to increase income, decrease expenses, and become debt free, please go to www.ShawnMYesner.com/BecomeDebtFree to get a FREE copy of my newest book - Become Debt Free in Less Than One Hour!
DIRECTORY.LIBSYN.COM
Eviction and Foreclosure Freezes Due To COVID-19 - Episode 239
How does the County Property Appraiser determine the taxable value of property?
When does a property get reassessed and how much can value change year to year?
#YesnerWins #CrushingDebt #CrushingDebtPodcast #CrushingDebtBook
#BecomeDebtFree #BecomeDebtFreeBook #DebtFree
Experiencing a loss of income due to COVID-19?
Worried about evictions or foreclosures due to the Coronavirus?
Please listen to this week's episode of The Crushing Debt Podcast to hear my interview with attorney Bryant Dunivan about these and related issues.
In the meantime, I'm taking us ALL the way back to Episode 1 of the Show (then the Yesner Law Podcast) talking about the foreclosure timeline here in Florida. Although this episode is over four years' old (and I was battling laryngitis at the time), the content is still mostly accurate even if there is a "tidal wave" of foreclosures coming.
http://ow.ly/4FI950BKDWf
TRAFFIC.LIBSYN.COM
Episode 1 Foreclosure Timeline
You are buying a new house and find something after closing that the seller did not disclose! What can you do?
You’re selling your house. What do you have to disclose?
If you find a problem after closing, who is responsible? The realtor? The inspector? The seller?
We are seeing an increase in “failure to disclose “cases. In this short video I talk about what the issues are, what to look for, and how to protect yourself.
#YesnerWins #CrushingDebt #CrushingDebtPodcast #CrushingDebtBook
#BecomeDebtFree #BecomeDebtFreeBook #DebtFree
Westchase Freebooters Krewe golf tournament! #YesnerWins #CrushingDebt #CrushingDebtPodcast #CrushingDebtBook
#BecomeDebtFree #BecomeDebtFreeBook #DebtFree
When negotiating, do you make the first move, or wait for your counterpart to offer first?
When selling, do you ask the prospect how you can help, or let them window shop?
Every six (6) months, my community association has a garage sale. Since garage sales are low-intensity sales negotiations (for most) I use the time to practice a sales or negotiation skill. If I miss, I'm out a few bucks, or I don't make a sale of a few bucks, max.
You can hear previous "garage sale" episodes like:
68 - Negotiation
86 - Presentation
118 - Patience
168 - Preparation
What is your "Approach" when selling or negotiating? That's the subject of this week's episode.
Please remember to visit our sponsor, Sam Cohen at Attorneys First Insurance - Sam@AttorneysFirst.com or www.Attorneysfirst.com
If you enjoy this content, please share here on Facebook, and if you want tips to increase your revenue and decrease your expenses, all to eliminate debt, please visit www.ShawnMYesner.com/BecomeDebtFree
DIRECTORY.LIBSYN.COM
Better Negotiation with the Right Approach - Episode 241
Remember, your vote doesn’t count until it’s social media official! #YesnerWins #CrushingDebt #CrushingDebtPodcast #CrushingDebtBook
#BecomeDebtFree #BecomeDebtFreeBook #DebtFree
Have you engaged your Information Network?
How do you create a Support Network?
Do you feel like your business is struggling as a result of the pandemic? Could you use some outside opinions to help kick-start your revenue?
What would your business look like if you could: (1) make your business #1 in your industry, (2) have fun with your peers and mentors, (3) create lasting relationships to help you solve your most burning questions, and (4) create systems to catapult your business to new levels of income?
In this week’s episode, I interview Tiffanie Kellog and Tom Fleming of Asentiv, as we discuss Asentiv Mastermind Communities.
Both are repeat guests on the show.
For the last 15 years, Tiffanie has been helping people save time, make money, while having fun. She is the author of three books, she’s nerdy, and she loves craft beer and socks!
Tom has been coaching individual business owners and groups for more than 20 years. He has literally facilitated thousands if not tens of thousands of meetings. Tom is an expert at asking the right questions that allow people to reach their own conclusions on a path to self-discovery for he believes “For your business to grow, you must grow.”
In today’s episode, Tom, Tiffanie and I talk about:
-What is Asentiv
-How did this idea of a Mastermind Community start
-What is the Goal of the Mastermind Community
-What are the different types of Masterminds offered
-People, Programs and Progress
-Some breakthrough results already created by Asentiv Masterminds
-The timing, and investment of the Mastermind Community, and
-Other perks of being a part of the Community.
For more information, and to register for an upcoming Mastermind, please visit www.Tampa.Asentiv.com/AMC
Of course, also refer our sponsor, Sam Cohen at Attorneys First to an attorney or title company that you know - Sam@AttorneysFirst.com or www.AttorneysFirst.com.
Remember, you can get a FREE copy of my latest book, Become Debt Free in Less Than One Hour at www.ShawnMYesner.com/BecomeDebtFree.
If you enjoyed this episode, please like, comment or share it here on Facebook!
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Make More Money Through Masterminds - Episode 242
Who wants to Jumpstart 2021!
Join me at the Jumpstart 2021 Virtual Summit on Friday, December 4, 2020.
https://tampa.asentiv.com/product/js2021sy/
TAMPA.ASENTIV.COM
Jumpstart 2021 Virtual Summit (s) - Asentiv Tampa
You spend time networking to grow your business. You make connections. You collect contact information and business cards. Then what?
This Halloween-themed classic Crushing Debt Podcast episode is with our friend Tanya Cielo and is a cautionary tale about the “Business Card Graveyard.” The beauty of this episode is that it applies whether you collect physical business cards or contact information in today’s virtual meeting world.
What is your best method for staying in contact with people you meet at various networking events?
http://ow.ly/j1MS50C3Ekq
TRAFFIC.LIBSYN.COM
Episode 33 - Business Card Graveyard with Tanya Cielo
Can I use a power of attorney to sign company documents?
Thanks @kristinahouser for the new headshots!!
#YesnerWins #CrushingDebt #CrushingDebtPodcast #CrushingDebtBook
#BecomeDebtFree #BecomeDebtFreeBook #DebtFree
Do you have a plan to become debt free in 2021?
Do you think about becoming debt free and think “I’ll never get there.”?
You can! Regardless of the economic climate, regardless of whatever might be holding you back? Regardless of where you work or what you do for a living? You can become debt free in 2021!
This Thursday’s new Crushing Debt Podcast episode is about my new book, Become Debt Free in Less than One Hour. Have you downloaded your FREE copy yet? www.ShawnMYesner.com/BecomeDebtFree
Today’s classic episode is about how to network at a conference or event, and I’m highlighting this episode because it was also the announcement of the release of my first book - Crushing Debt: 9 Strategies to Eliminate Financial Bullies, which is available on Amazon.
http://ow.ly/zaUA50Cgs0n
YESNERLAWPODCAST.LIBSYN.COM
Crushing Debt Podcast: Episode 133 - Networking at FinCon
Do judgment liens attach to inherited property?
What happens if you inherit property and you have a judgment against you?
What happens if you inherit property and the person who died has judgments against them?
The answer may not be a bad thing. The judgment liens might not impact the property and you may be able to settle those liens for a fraction of what’s owed.
This question was one of the top rated pages of my blog visited last month. Because the blog is a few years old, I thought I would talk about this issue in this short video.
If you have questions about inheriting property or judgment liens, please connect with me.
To check out my new book go to www.ShawnMYesner.com/becomedebtfree
#YesnerWins #CrushingDebt #CrushingDebtPodcast #CrushingDebtBook
#BecomeDebtFree #BecomeDebtFreeBook #DebtFree
Best line in a voice mail ever ... “your client got verbally abusive with me in writing ...”
Ummm ... what?
Why do you need to list whether you are married or single when conveying property in Florida?
Why do you need to list whether you are married or single when signing a mortgage in Florida?
Can your spouse deed you the property and avoid all this intrusion into your marital status?
Unfortunately, all of this is governed by the Florida constitution article X section 4.
In this short video I talk about why this is and why it is important.
#YesnerWins #CrushingDebt #CrushingDebtPodcast #CrushingDebtBook
#BecomeDebtFree #BecomeDebtFreeBook #DebtFree
Can I avoid paying business debt by shutting down the old business and opening a new business?
I hope you did not have any storm damage after Hurricane Eta!
After Hurricane Irma, in 2017, I co-wrote an article with my friend, referral partner and insurance agent, Richard Ficca of Florida Coastal Insurance Agency about who bears responsibility for a fallen tree after a Hurricane.
You can find that blog post on both our websites.
If, however, you suffered some damage to your home, you need to contact your insurance agent if you feel a claim is warranted. I have a network of public adjusters and attorneys that can help you if your insurance claim is denied or underpaid.
If you want Rich to review your policy, he's going to respond with one of three answers: (1) your policy is great, ride it till the wheels falls off, (2) your policy is good and can use a tweak here or there, or (3) your policy is terrible and you'll get a competitive quote for a new policy.
#YesnerWins #CrushingDebt #BecomeDebtFree #CrushingDebtPodcast #CrushingDebtBook #BecomeDebtFreeBook #Eta #Hurricane #Insurance #PropertyInsurance #Trees #FallenTrees
Can Bankruptcy illuminate a personal injury judgment?Can Bankruptcy illuminate a personal injury judgment?
Like if you’re going to attend. Message me if you want a registration code. #YesnerWins #CrushingDebt #CrushingDebtPodcast #CrushingDebtBook
#BecomeDebtFree #BecomeDebtFreeBook #DebtFree
This has been an unprecedented year, filled with highs and lows.
The year will, unfortunately, be defined by a global pandemic that has taken countless lives and affected each and every one of us.
But today, on Thanksgiving, we want you to take a step back, take a break, and consider all you have to be thankful for. While we've all suffered hardship and loss this year, the purpose of The Crushing Debt Podcast is to provide a sense that "everything will be okay."
As with previous years, today I look back since last November on all that I have to be thankful for.
What do you have to be thankful for this year? Let me know here on Facebook!
In addition to everything else, we are very thankful for our sponsor Sam Cohen at Attorneys First Insurance - Sam@AttorneysFirst.com, www.AttorneysFirst.com.
DIRECTORY.LIBSYN.COM
There is Plenty to be Thankful For! - Episode 246
The first two years of the Crushing Debt Podcast, I did not release episodes on Thanksgiving, incorrectly thinking "no one listens on Thanksgiving." While that might be true, many of you listen to the episode after Thanksgiving (which is the beauty of having "evergreen" podcasts).
Happy Thanksgiving 2020.
You can listen to previous year's Thanksgiving Episodes of The Crushing Debt Podcast here:
Thanksgiving 2019: http://ow.ly/cbxv50CtiHn
Thanksgiving 2018: http://ow.ly/MjbY50CtiHp
Thanksgiving 2017: http://ow.ly/MVF350CtiHo
Stay tuned for the 2020 Crushing Debt Thanksgiving Episode coming out Thursday (listen whenever you want). Happy Thanksgiving everyone!
YESNERLAWPODCAST.LIBSYN.COM
Crushing Debt Podcast: Thanksgiving 2019 - Episode 194
#YesnerWins #CrushingDebt #CrushingDebtPodcast #CrushingDebtBook
#BecomeDebtFree #BecomeDebtFreeBook #DebtFree
I'm expanding my business and I need your help. Who do you know who listens to podcasts about eliminating debt?
Just found out my first book, Crushing Debt, is available on bookshop! Bookshop is a website that supports smaller, local bookstores. Support both me and local shops by ordering the book at: http://ow.ly/dzfl50CDat2
BOOKSHOP.ORG
Crushing Debt: 9 Strategies to Eliminate Financial Bullies
Asentiv Jumpstart 2021 Seminar. About to speak - do you want to bring home an extra $1,000 or more each month in less than 30 minutes? #YesnerWins #CrushingDebt #CrushingDebtPodcast #CrushingDebtBook
#BecomeDebtFree #BecomeDebtFreeBook #DebtFree
Do you know the five factors that make up your credit score?
Do you know what drops your score or how to improve your score?
This week's guest on The Crushing Debt Podcast is Kristi Nowrouzi. "Credit Kristi" has been a mortgage loan officer for more than ten years and was a short sale negotiator at my previous law firm for four years. Kristi is a credit specialist and has seen thousands of credit reports and helped hundreds of families obtain their dream of home ownership. Kristi's passion is to teach and guide about the foundations of credit, which is vitally important to have and to protect.
Kristi and I discuss:
- Myths about credit
- Why credit is so important
- How to improve your credit score
- How to re-establish credit after a bankruptcy
- And more!
You can contact Kristi at Questions@CreditKristi.com and subscribe to her podcast Credit Coaching by Kristi, and connect with her here on Facebook!
Please introduce our sponsor to attorneys and title companies you know - Sam@AttorneysFirst.com and www.AttorneysFirst.com.
If one of your 2021 goals is to become debt free, please visit www.ShawnMYesner.com/BecomeDebtFree.
DIRECTORY.LIBSYN.COM
Credit Coaching by Kristi - Episode 247
Gift from staff. They know me well. It’s GAME DAY Noles (basketball Version)!!
#YesnerWins #CrushingDebt #CrushingDebtPodcast #CrushingDebtBook
#BecomeDebtFree #BecomeDebtFreeBook #DebtFree #bloodymary
What is your credit score? Is it getting better? Worse? Staying the same? Do you want to improve it? Is it good enough and you need to maintain it? Scared it may drop?
It's Credit Score week on the Crushing Debt Podcast.
This week's new episode of The Crushing Debt Podcast is my interview with "Credit Kristi."
Before listening to that episode, listen to the Five Factors that make up credit - classic Episode 44 of the Crushing Debt Podcast (then the Yesner Law Podcast).
http://ow.ly/zXQC50CzjD6
TRAFFIC.LIBSYN.COM
Episode 44 - The Five Factors that make up Credit
It seems like lenders grant or deny loan modifications at random, but there is a set of criteria that they follow, that until now has been a bit of mystery.
Our guest on this week’s Crushing Debt Podcast, Sue Reynolds, a Realtor with Archer Realty, created a worksheet using the bank’s formulas to support when clients should qualify for a loan modification.
Sue created the Homeowner Expense Analysis Worksheet to use as a supporting document in applications for loan modifications and short sales. The Expense Worksheet is a budget worksheet that helps predict when a modification should be denied or approved. Sue has allowed me to share the worksheet with you!
Go to
DIRECTORY.LIBSYN.COM
When You Can’t Pay Your Mortgage - Episode 248
We received a listener question - wife files bankruptcy, alone, eight years ago. Her husband just received a collection notice from a joint creditor. Did the wife's bankruptcy stop (or toll) the statute of limitations?
I answer the question in this video, but would love to get your thoughts in the comments!
If you have questions about Chapter 7 or 13, or joint credit card debt, please let me know, and check out my latest book, Become Debt Free in Less Than One Hour at www.ShawnMYesner.com/BecomeDebtFree
This week’s Classic Crushing Debt Episode arose out of a foreclosure loan modification mediation with Ocwen. The “mediation” was anything but ...
http://ow.ly/I4tj50CFnzt
If only I had the Homeowner Expense Analysis Worksheet created by my guest on this week’s current episode, I could have gone into mediation knowing my numbers and knowing whether a loan modification was a given or a waste of time.
Check out Thursday’s new episode of The Crushing Debt Podcast by subscribing to the show (its free) and to learn how to get your FREE version of the Homeowner Expense Analysis Worksheet!
YESNERLAWPODCAST.LIBSYN.COM
Crushing Debt Podcast: Episode 129 - Foreclosure Mediations are a Waste of Time!
What’s wrong with this clock?
My birthday present from the office. Best Staff ever!!! #YesnerWins #CrushingDebt #CrushingDebtPodcast #CrushingDebtBook
#BecomeDebtFree #BecomeDebtFreeBook #DebtFree
Westchase Santa Parade 2020!
Thank you to all the guests and listeners of The Crushing Debt Podcast. We surpassed 100,000 downloads today (officially 100,252 as of this post)!
This journey would have been impossible without all of you!
www.YesnerLaw.com/podcasts
Yesner Law founder Shawn Yesner was happy to be featured on this great show! Please listen at http://bit.ly/3r7YCwZ
As 2020 comes to a close, did you accomplish the goals you set one year ago?
While many people will claim that 2020 interfered with their plans, many people did accomplish some major goals! This week's Crushing Debt Podcast episode is all about goal setting for 2021.
This week's classic episode is number 150, my system for setting goals and holding myself accountable to those goals.
http://ow.ly/Mcbf50CVsSJ
YESNERLAWPODCAST.LIBSYN.COM
Crushing Debt Podcast: Episode 150 - Goal & Accountability System
Just in time to help you recover from post-Christmas spending, Become Debt Free in Less Than One Hour is available in Kindle format on Amazon.
Get your copy here: https://www.amazon.com/Become-Debt-Free-Less-Than-ebook/dp/B08RC8998N/ref=mp_s_a_1_3?dchild=1&keywords=become+debt+free+in+less+than+one+hour&qid=1609153387&sr=8-3
AMAZON.COM
Become Debt Free in Less Than One Hour
You've won a foreclosure sale auction and now own a property for a fraction of its value, but do you?
If you made a bad investment, foreclosure sales in Florida are "buyer beware" and very hard to unwind.
We've received a good number of clients recently that won property at a foreclosure auction, but at the auction of the association. The problem there is that the first (and sometimes second) mortgage, plus taxes are all SUPERIOR to the title provided by the association. In most cases, the equity in the property is eliminated by the amount owed to the first mortgage. What can you do? That's what I talk about in this video.
As 2020 comes to a close, most people will set resolutions for 2021. I think setting resolutions is wrong. I think people should set goals. Resolutions are rarely kept. Goals are accomplished.
- How do you set goals?
- What are SMART goals?
- Should goals be framed in the positive or to avoid the negative?
- What will you do to accomplish your goals in 2021?
I've used these same systems for years to set and achieve my goals, like:
- Reading 52 books in one year
- Lauching www.ShawnMYesner.com/BecomeDebtFree
- Writing and publishing Become Debt Free in Less than One Hour
- Creating a Become Debt Free Community on Facebook, and
Losing over 50 lbs to get into better shape.
Let me know here on Facebook, what some of your goals are for 2021, and how I can help you accomplish those goals!
One of my goals is to better support our sponsor, Sam Cohen at Sam@AttorneysFirst.com or www.AttorneysFirst.com.
DIRECTORY.LIBSYN.COM
SMART Goals for Crushing Debt - Episode 251
Yesner Law is closed for the remainder of 2020. We will reopen on Jan 4, 2021. #YesnerWins #CrushingDebt #CrushingDebtPodcast #CrushingDebtBook
#BecomeDebtFree #BecomeDebtFreeBook #DebtFree
I don’t often take in-person lunch appointments at the office, but I’ll make an exception for this guy!
#YesnerWins #CrushingDebt #CrushingDebtPodcast #CrushingDebtBook
#BecomeDebtFree #BecomeDebtFreeBook #DebtFree #LastWorkingDayOf2020
Just in time to help you recover from post-Christmas spending, Become Debt Free in Less Than One Hour is available in Kindle format on Amazon.
Get your copy here: https://www.amazon.com/Become-Debt-Free-Less-Than-ebook/dp/B08RC8998N/ref=mp_s_a_1_3?dchild=1&keywords=become+debt+free+in+less+than+one+hour&qid=1609153387&sr=8-3
AMAZON.COM
Become Debt Free in Less Than One Hour
Exciting news coming for Yesner Law. Here’s a hint ...
#YesnerWins #CrushingDebt #CrushingDebtPodcast #CrushingDebtBook
#BecomeDebtFree #BecomeDebtFreeBook #DebtFree
What books have been the most influential to you? Who are your favorite authors?
For as long as I can remember, I have read - books, magazines, articles, whatever I can get my hands on. I enjoy reading and believe that the most educated becomes the most successful.
In 2020, I made a goal to read 50 books. I accomplished that goal on December 15, 2020, and read two more books, bringing my total to 52 books for the year (averaging one book per week).
As I've done the last few years, I wanted to highlight some of the books I read, and the lessons learned. All fifty-two book had an impact on me, but these are the ones that stood out.
Thanks again to our friend and sponsor, Sam Cohen with Attorneys First Insurance, who you can reach at www.AttorneysFirst.com, or Sam@AttorneysFirst.com.
The below list are the books I discuss on the show. Some of the links are affiliate links, so if you click on the link and buy a book, I might earn a small fee:
+ Never Split The Difference - Chris Voss - https://amzn.to/2XgPvfJ
+ Get Sh*t Done - Jeffrey Gitomer - https://amzn.to/2MxgPEm
+ Debt: The First 5,000 Years - David Graeber - https://amzn.to/35fX2A3
+ Socks to Success - Tiffanie Kellog - https://tiffaniekellog.com/product/socks-to-success/
+ 9 Unconventional Ways to Grow Your Podcast - Mark Asquith - https://www.markasquith.com/grow
+ How to Wipe Your Dad's Ass - Brian Morris - https://wipeyourdadsass.com
+ Copywriting Secrets - Jim Edwards - https://amzn.to/395PQaJ
+ Dotcom Secrets - Russell Brunson - https://www.expertsecrets.com?cf_affiliate_id=2561551&affiliate_id=2561551
+ Expert Secrets - Russell Brunson - https://www.expertsecrets.com?cf_affiliate_id=2561551&affiliate_id=2561551
+ Traffic Secrets - Russell Brunson - https://www.trafficsecrets.com?cf_affiliate_id=2561551&affiliate_id=2561551
+ Become Debt Free - Shawn Yesner - www.ShawnMYesner.com/BecomeDebtFree
+ The Student Loan Lawyer's Guide to Understanding Student Loans in Plain English - Joshua Cohen - https://thestudentloanlawyer.com/the-student-loan-lawyers-book
+ Atomic Habits - James Clear - https://amzn.to/3971fqJ
+ Fix This Next - Mike Michalowicz - https://amzn.to/3pW0VSC
+ Your Best Year Ever - Michael Hyatt - https://amzn.to/2XiLBTK
+Grow A Pair - Larry Winget - https://amzn.to/3s1by8t
I'm looking for more books to read in 2021. What are your suggestions? Let me know here on Facebook.
DIRECTORY.LIBSYN.COM
Top 52 Books to Crush Your Debt - Episode 252
You've won a foreclosure sale auction and now own a property for a fraction of its value, but do you?
If you made a bad investment, foreclosure sales in Florida are "buyer beware" and very hard to unwind.
We've received a good number of clients recently that won property at a foreclosure auction, but at the auction of the association. The problem there is that the first (and sometimes second) mortgage, plus taxes are all SUPERIOR to the title provided by the association. In most cases, the equity in the property is eliminated by the amount owed to the first mortgage. What can you do? That's what I talk about in this video.
As 2020 comes to a close, most people will set resolutions for 2021. I think setting resolutions is wrong. I think people should set goals. Resolutions are rarely kept. Goals are accomplished.
- How do you set goals?
- What are SMART goals?
- Should goals be framed in the positive or to avoid the negative?
- What will you do to accomplish your goals in 2021?
I've used these same systems for years to set and achieve my goals, like:
- Reading 52 books in one year
- Lauching www.ShawnMYesner.com/BecomeDebtFree
- Writing and publishing Become Debt Free in Less than One Hour
- Creating a Become Debt Free Community on Facebook, and
Losing over 50 lbs to get into better shape.
Let me know here on Facebook, what some of your goals are for 2021, and how I can help you accomplish those goals!
One of my goals is to better support our sponsor, Sam Cohen at Sam@AttorneysFirst.com or www.AttorneysFirst.com.
DIRECTORY.LIBSYN.COM
SMART Goals for Crushing Debt - Episode 251
Yesner Law is closed for the remainder of 2020. We will reopen on Jan 4, 2021. #YesnerWins #CrushingDebt #CrushingDebtPodcast #CrushingDebtBook
#BecomeDebtFree #BecomeDebtFreeBook #DebtFree
I don’t often take in-person lunch appointments at the office, but I’ll make an exception for this guy!
#YesnerWins #CrushingDebt #CrushingDebtPodcast #CrushingDebtBook
#BecomeDebtFree #BecomeDebtFreeBook #DebtFree #LastWorkingDayOf2020
Exciting news coming for Yesner Law. Here’s a hint ...
#YesnerWins #CrushingDebt #CrushingDebtPodcast #CrushingDebtBook
#BecomeDebtFree #BecomeDebtFreeBook #DebtFree
You've won a foreclosure sale auction and now own a property for a fraction of its value, but do you?
If you made a bad investment, foreclosure sales in Florida are "buyer beware" and very hard to unwind.
We've received a good number of clients recently that won property at a foreclosure auction, but at the auction of the association. The problem there is that the first (and sometimes second) mortgage, plus taxes are all SUPERIOR to the title provided by the association. In most cases, the equity in the property is eliminated by the amount owed to the first mortgage. What can you do? That's what I talk about in this video.
As 2020 comes to a close, most people will set resolutions for 2021. I think setting resolutions is wrong. I think people should set goals. Resolutions are rarely kept. Goals are accomplished.
- How do you set goals?
- What are SMART goals?
- Should goals be framed in the positive or to avoid the negative?
- What will you do to accomplish your goals in 2021?
I've used these same systems for years to set and achieve my goals, like:
- Reading 52 books in one year
- Lauching www.ShawnMYesner.com/BecomeDebtFree
- Writing and publishing Become Debt Free in Less than One Hour
- Creating a Become Debt Free Community on Facebook, and
Losing over 50 lbs to get into better shape.
Let me know here on Facebook, what some of your goals are for 2021, and how I can help you accomplish those goals!
One of my goals is to better support our sponsor, Sam Cohen at Sam@AttorneysFirst.com or www.AttorneysFirst.com.
DIRECTORY.LIBSYN.COM
SMART Goals for Crushing Debt - Episode 251
Yesner Law is closed for the remainder of 2020. We will reopen on Jan 4, 2021. #YesnerWins #CrushingDebt #CrushingDebtPodcast #CrushingDebtBook
#BecomeDebtFree #BecomeDebtFreeBook #DebtFree
The CDC moratorium on evictions has been extended by President Biden until March 31, 2021 (although I’ve heard rumor he plans to extend it to September).
The relief package he’s proposing would pay “rental assistance” to the tenants directly. While I have little faith tenants would in turn pay that to their landlords (there will be those who do), one of the CDC requirements is that the tenant “is using best efforts to pay the landlord.” Another is that tenants “used best efforts to obtain governmental assistance for housing.”
Therefore, if your tenant is not paying due to COVID and has filed a CDC Affidavit, then gets “rental assistance” and does NOT use it to pay back-rent,
OR
If the tenant fails to apply for rental assistance at all under the relief package,
Then I am of the opinion (personally, not legally, that’s up to the judge) that the tenant did not use “best efforts” to pay rent and could then be evicted, despite the CDC Affidavit.
If you’re a landlord in Florida with questions, please reach out to us.
Exciting news coming for Yesner Law. Here’s a hint ...
#YesnerWins #CrushingDebt #CrushingDebtPodcast #CrushingDebtBook
#BecomeDebtFree #BecomeDebtFreeBook #DebtFree
The CDC moratorium on evictions has been extended by President Biden until March 31, 2021 (although I’ve heard rumor he plans to extend it to September).
The relief package he’s proposing would pay “rental assistance” to the tenants directly. While I have little faith tenants would in turn pay that to their landlords (there will be those who do), one of the CDC requirements is that the tenant “is using best efforts to pay the landlord.” Another is that tenants “used best efforts to obtain governmental assistance for housing.”
Therefore, if your tenant is not paying due to COVID and has filed a CDC Affidavit, then gets “rental assistance” and does NOT use it to pay back-rent,
OR
If the tenant fails to apply for rental assistance at all under the relief package,
Then I am of the opinion (personally, not legally, that’s up to the judge) that the tenant did not use “best efforts” to pay rent and could then be evicted, despite the CDC Affidavit.
If you’re a landlord in Florida with questions, please reach out to us.
Exciting news coming for Yesner Law. Here’s a hint ...
#YesnerWins #CrushingDebt #CrushingDebtPodcast #CrushingDebtBook
#BecomeDebtFree #BecomeDebtFreeBook #DebtFree
The CDC moratorium on evictions has been extended by President Biden until March 31, 2021 (although I’ve heard rumor he plans to extend it to September).
The relief package he’s proposing would pay “rental assistance” to the tenants directly. While I have little faith tenants would in turn pay that to their landlords (there will be those who do), one of the CDC requirements is that the tenant “is using best efforts to pay the landlord.” Another is that tenants “used best efforts to obtain governmental assistance for housing.”
Therefore, if your tenant is not paying due to COVID and has filed a CDC Affidavit, then gets “rental assistance” and does NOT use it to pay back-rent,
OR
If the tenant fails to apply for rental assistance at all under the relief package,
Then I am of the opinion (personally, not legally, that’s up to the judge) that the tenant did not use “best efforts” to pay rent and could then be evicted, despite the CDC Affidavit.
If you’re a landlord in Florida with questions, please reach out to us.
Exciting news coming for Yesner Law. Here’s a hint ...
#YesnerWins #CrushingDebt #CrushingDebtPodcast #CrushingDebtBook
#BecomeDebtFree #BecomeDebtFreeBook #DebtFree
The CDC moratorium on evictions has been extended by President Biden until March 31, 2021 (although I’ve heard rumor he plans to extend it to September).
The relief package he’s proposing would pay “rental assistance” to the tenants directly. While I have little faith tenants would in turn pay that to their landlords (there will be those who do), one of the CDC requirements is that the tenant “is using best efforts to pay the landlord.” Another is that tenants “used best efforts to obtain governmental assistance for housing.”
Therefore, if your tenant is not paying due to COVID and has filed a CDC Affidavit, then gets “rental assistance” and does NOT use it to pay back-rent,
OR
If the tenant fails to apply for rental assistance at all under the relief package,
Then I am of the opinion (personally, not legally, that’s up to the judge) that the tenant did not use “best efforts” to pay rent and could then be evicted, despite the CDC Affidavit.
If you’re a landlord in Florida with questions, please reach out to us.
The CDC moratorium on evictions has been extended by President Biden until March 31, 2021 (although I’ve heard rumor he plans to extend it to September).
The relief package he’s proposing would pay “rental assistance” to the tenants directly. While I have little faith tenants would in turn pay that to their landlords (there will be those who do), one of the CDC requirements is that the tenant “is using best efforts to pay the landlord.” Another is that tenants “used best efforts to obtain governmental assistance for housing.”
Therefore, if your tenant is not paying due to COVID and has filed a CDC Affidavit, then gets “rental assistance” and does NOT use it to pay back-rent,
OR
If the tenant fails to apply for rental assistance at all under the relief package,
Then I am of the opinion (personally, not legally, that’s up to the judge) that the tenant did not use “best efforts” to pay rent and could then be evicted, despite the CDC Affidavit.
If you’re a landlord in Florida with questions, please reach out to us.
Foreclosure moratorium extended to June 30.
https://www.yahoo.com/finance/news/biden-extending-ban-housing-foreclosures-122459174.html
FINANCE.YAHOO.COM
Biden extends pandemic help for homeowners, renters wait
The CDC moratorium on evictions has been extended by President Biden until March 31, 2021 (although I’ve heard rumor he plans to extend it to September).
The relief package he’s proposing would pay “rental assistance” to the tenants directly. While I have little faith tenants would in turn pay that to their landlords (there will be those who do), one of the CDC requirements is that the tenant “is using best efforts to pay the landlord.” Another is that tenants “used best efforts to obtain governmental assistance for housing.”
Therefore, if your tenant is not paying due to COVID and has filed a CDC Affidavit, then gets “rental assistance” and does NOT use it to pay back-rent,
OR
If the tenant fails to apply for rental assistance at all under the relief package,
Then I am of the opinion (personally, not legally, that’s up to the judge) that the tenant did not use “best efforts” to pay rent and could then be evicted, despite the CDC Affidavit.
If you’re a landlord in Florida with questions, please reach out to us.
Foreclosure moratorium extended to June 30.
https://www.yahoo.com/finance/news/biden-extending-ban-housing-foreclosures-122459174.html
FINANCE.YAHOO.COM
Biden extends pandemic help for homeowners, renters wait
I am very excited about this week's guest on The Crushing Debt Podcast.
His daughter was on Episode 63 - discussing ActionCOACH Tampa Bay and The Five Ways system.
His wife was on Episode 193 - OMG! WTF!
Today's episode is my interview with third ActionCOACH Tampa Bay partner - Ford Kyes! I've known Ford for more than 13 years and we discuss:
How business owners can break out of a slump
Developing other opportunities to increase income
How to maintain focus, especially when you feel like you're losing it
Setting SMART goals
And other topics
You can visit their website, www.ActionCoachTampaBay.com and visit the Events Page to register for a complimentary event and coaching session!
You can also find their first book, OMG! WTF! and find information about the release of their second book, tentatively titled "Go Focus Yourself!"
Please also visit our sponsor, Sam Cohen at Attorneys First Insurance, Sam@AttorneysFirst.com or www.AttorneysFirst.com. Refer an attorney or title company you know to Sam for a malpractice insurance quote.
If you want to become debt free, order my new book at www.ShawnMYesner.com/BecomeDebtFree, and connect with me here on Facebook!
DIRECTORY.LIBSYN.COM
Go Focus Yourself! - Episode 257
When I moved to Clearwater to take a job at a foreclosure mill law firm, the firm provided a retirement account to all of its employees. I remember meeting with the financial advisor. Instead of getting financial advice, I got graphs and charts all in pretty colors. I didn’t understand a thing about what the advisor was suggesting, but the colors on his charts were pretty!
This week’s guest on the Crushing Debt Podcast is nothing like that financial advisor. Simon Brady is the founder and owner of Anglia Advisors, and focuses on working with individuals with major life changes - newly divorced, widows/widowers, foreign nationals and new parents.
Simon and I discuss:
Re-writing wills and life insurance after a divorce
Changing bill pay and other financial products
Adjusting retirement planning
Accounting for previous joint debt
Accounting for financing for previous homes and cars
You can reach Simon at www.AngliaAdvisors.com for more information.
Also remember to refer an attorney or title company you know to our sponsor Sam Cohen at Attorneys First Insurance - Sam@AttorneysFirst.com or www.AttorneysFirst.com.
Please also check out my new book for more ideas on making money and reducing expenses: www.ShawnMYesner.com/BecomeDebtFree
And connect with me here on Facebook!
DIRECTORY.LIBSYN.COM
Personal Finances and Life Events - Episode 256
Will evictions and foreclosure ever resume?
Since being inaugurated, President Biden has by executive order extended federal moratoriums on evictions, foreclosures, and student loan repayments first implemented by the CARES Act, the CDC, and the previous administration.
Although recorded recently, some of the timelines in this episode have already changed. As of this post:
Evictions for purposes of COVID are postponed under CDC guidelines until March 31, 2021 (although rumor is this will extend to September 2021);
Foreclosures are postponed until February 28, 2021 or March 31, 2021 depending on the owner of the loan; and
Student Loan payment, interest, collection on federal loans held by the US Department of Education are suspended until September 2021.
Check back here, or at www.YesnerLaw.com or follow me and Yesner Law here on Facebook for the latest information.
What should you know?
Evictions - the CDC prevents evictions if the reason for eviction is due to a loss of income caused by COVID. This only impacts residential evictions, and the CDC has five requirements that the tenant must attest to under penalty of perjury. If one of those five requirements is missing, it is probable that the tenant could still be evicted.
The CDC has not (and cannot) eliminate the requirement to pay rent. There is rental assistance available to the tenants to catch up on most or all of their unpaid rent.
Foreclosures - FHA and FHFA have suspended all foreclosures and bank-owned evictions until February 28 or March 31, 2021 (unless extended again). The CARES Act requires lenders to offer a repayment plan, and many lenders can modify the loan, but cannot require a lump sum to catch up past due payments missed due to economic factors caused by COVID. The CARES Act does not eliminate the requirement to pay mortgage payments.
Student loans - For federal loans owned by the US Department of Education, there is a suspension of payments, interest accrual and collection, until October 2021.
If you have specific questions, please reach out to Shawn@YesnerLaw.com.
Please also refer an attorney or title company you know to our sponsor Sam Cohen - Sam@AttorneysFirst.com or www.AttorneysFirst.com.
Stay safe, get a vaccine, wash your hands, social distance, and please be nice to each other!
DIRECTORY.LIBSYN.COM
Evictions, Foreclosures, Student Loans & Relief Packages - Episode 255
Are your friends, loved ones or clients showing signs of impairment that is affecting their financial lives?
On this week's episode of The Crushing Debt Podcast, we talk to Elder Law attorney and professional guardian Ha Thu Dao about the signs of cognitive loss and to suggest steps to take to help those who may suffer from having an impact on their financial well being. How can you recognize the signs of decline, physical and mental.
Ha works with Christie Arkovich, who has been on the show five times discussing various aspects of Student Loan debt (episodes 50, 93, 99, 106, 234).
You can reach Ha by email at Ha@ChristieArkovich.com or visit her website at www.ChristieArkovich.com
Please also refer an attorney or title company you know to our sponsor, Sam Cohen at Sam@AttorneysFirst.com or www.AttorneysFirst.com.
Finally, please order your free copy of my latest book, Become Debt Free in Less than One Hour, and come up with strategies to crush your debt: www.ShawnMYesner.com/BecomeDebtFree, and connect with me here on Facebook!
DIRECTORY.LIBSYN.COM
Preventing Long Term Care Debt - Episode 259
Foreclosure moratorium extended to June 30.
https://www.yahoo.com/finance/news/biden-extending-ban-housing-foreclosures-122459174.html
FINANCE.YAHOO.COM
Biden extends pandemic help for homeowners, renters wait
Are your friends, loved ones or clients showing signs of impairment that is affecting their financial lives?
On this week's episode of The Crushing Debt Podcast, we talk to Elder Law attorney and professional guardian Ha Thu Dao about the signs of cognitive loss and to suggest steps to take to help those who may suffer from having an impact on their financial well being. How can you recognize the signs of decline, physical and mental.
Ha works with Christie Arkovich, who has been on the show five times discussing various aspects of Student Loan debt (episodes 50, 93, 99, 106, 234).
You can reach Ha by email at Ha@ChristieArkovich.com or visit her website at www.ChristieArkovich.com
Please also refer an attorney or title company you know to our sponsor, Sam Cohen at Sam@AttorneysFirst.com or www.AttorneysFirst.com.
Finally, please order your free copy of my latest book, Become Debt Free in Less than One Hour, and come up with strategies to crush your debt: www.ShawnMYesner.com/BecomeDebtFree, and connect with me here on Facebook!
DIRECTORY.LIBSYN.COM
Preventing Long Term Care Debt - Episode 259
Foreclosure moratorium extended to June 30.
https://www.yahoo.com/finance/news/biden-extending-ban-housing-foreclosures-122459174.html
FINANCE.YAHOO.COM
Biden extends pandemic help for homeowners, renters wait
Are your friends, loved ones or clients showing signs of impairment that is affecting their financial lives?
On this week's episode of The Crushing Debt Podcast, we talk to Elder Law attorney and professional guardian Ha Thu Dao about the signs of cognitive loss and to suggest steps to take to help those who may suffer from having an impact on their financial well being. How can you recognize the signs of decline, physical and mental.
Ha works with Christie Arkovich, who has been on the show five times discussing various aspects of Student Loan debt (episodes 50, 93, 99, 106, 234).
You can reach Ha by email at Ha@ChristieArkovich.com or visit her website at www.ChristieArkovich.com
Please also refer an attorney or title company you know to our sponsor, Sam Cohen at Sam@AttorneysFirst.com or www.AttorneysFirst.com.
Finally, please order your free copy of my latest book, Become Debt Free in Less than One Hour, and come up with strategies to crush your debt: www.ShawnMYesner.com/BecomeDebtFree, and connect with me here on Facebook!
DIRECTORY.LIBSYN.COM
Preventing Long Term Care Debt - Episode 259
Foreclosure moratorium extended to June 30.
https://www.yahoo.com/finance/news/biden-extending-ban-housing-foreclosures-122459174.html
FINANCE.YAHOO.COM
Biden extends pandemic help for homeowners, renters wait
Are your friends, loved ones or clients showing signs of impairment that is affecting their financial lives?
On this week's episode of The Crushing Debt Podcast, we talk to Elder Law attorney and professional guardian Ha Thu Dao about the signs of cognitive loss and to suggest steps to take to help those who may suffer from having an impact on their financial well being. How can you recognize the signs of decline, physical and mental.
Ha works with Christie Arkovich, who has been on the show five times discussing various aspects of Student Loan debt (episodes 50, 93, 99, 106, 234).
You can reach Ha by email at Ha@ChristieArkovich.com or visit her website at www.ChristieArkovich.com
Please also refer an attorney or title company you know to our sponsor, Sam Cohen at Sam@AttorneysFirst.com or www.AttorneysFirst.com.
Finally, please order your free copy of my latest book, Become Debt Free in Less than One Hour, and come up with strategies to crush your debt: www.ShawnMYesner.com/BecomeDebtFree, and connect with me here on Facebook!
DIRECTORY.LIBSYN.COM
Preventing Long Term Care Debt - Episode 259
Foreclosure moratorium extended to June 30.
https://www.yahoo.com/finance/news/biden-extending-ban-housing-foreclosures-122459174.html
FINANCE.YAHOO.COM
Biden extends pandemic help for homeowners, renters wait
Testimonial Thursday:
Dear Shawn,
I want to take this opportunity to thank you for helping me with my bankruptcy case. I wanted to pay in full my credit card debt by selling my townhouse but my son said that was unwise to do at my age with my income. I have been feeling very distressed about not paying back my debt, I purchased your book and am so grateful that I did. Your book was so encouraging and gave me hope that I can rebuild my life and never go into debt again. It was so beautifully written and I will treasure keeping it on hand. I am so glad my son chose you as my attorney because your book gives me insight into your moral character of a fair, balanced person who cares about helping people. I will have a chance as I become free from debt to do the thing that is so important to me which is to fully pay my way without financial help from my family. For me that is my dream come true.
Lauryn got this magic carpet on her recent vacation. She can now fly to appointments!
