Shows
The Real TalkWhat's Mine is Yours = Divorce Math with Claudia L. Pernudi, Esq.In episode 42 of The Real Talk, Raquel Ramirez interviews Claudia Pernudi, a family and matrimonial attorney, as they delve into the complexities of divorce, discussing the importance of legal expertise in navigating divorce proceedings. From financial implications to the emotional impact on children, they explore real-life cases and offer valuable insights on how to handle divorce with grace and understanding.Tune in to gain a deeper understanding of the legal intricacies of divorce and how to approach it with empathy and clarity. TIMESTAMPS[00:02:22] Unique Challenges in Divorce.[00:04:32] Misconceptions in Divorce Agreements.2024-06-041h 09The Real TalkJustice Unveiled: Exploring the Depths of Mediation, Arbitration and Appeals with Retired Judge Langer, Mediator/Arbitrator Salmon & Dulberg Dispute ResolutionIn episode 41 of The Real Talk, Raquel Ramirez interviews Retired Judge Lester Langer as he shares insights from his extensive legal career, including experiences in family law, domestic violence cases, and the complexities of the judicial system. From the evolution of domestic violence laws to the challenges of resolving disputes through mediation and arbitration, Judge Langer provides a unique perspective on the legal system. Tune in for a fascinating discussion on law, mediation, and personal experiences in the legal field.TIMESTAMPS[00:01:23] Lawyer with a Bright Perspective.[00:05:36] Running for Circuit Court Judge.2024-05-281h 36The Real TalkBeware of Divorce: Navigating the Path with Confidence with Michelle Suarez, Esq.In episode 40 of The Real Talk, Raquel Ramirez interviews Michelle Suarez, a divorce broker and attorney with 20 years of experience in various legal areas. Michelle shares her personal journey through divorce and how it inspired her to create a unique service to help women navigate the divorce process with confidence and clarity.Tune in to learn more about Michelle's unique approach to supporting women through divorce. TIMESTAMPS[00:01:57] Women in Divorce Process.[00:06:29] Navigating Financial Complexities Post-Divorce.[00:09:48] Divorce and Helping Others.[00:12:40] The Importance of Child Therapy.2024-05-2144 minThe Real TalkWhat's It Worth: Jon the Jeweler Can Tell You with Jon Bragman, Gemologist & Estate BuyerIn episode 39 of The Real Talk, Raquel Ramirez interviews Jon Bragman, a gemologist and estate buyer, as they delve into the world of gemstones, jewelry appraisals, and the intricacies of the estate-buying business. Jon shares valuable insights on the importance of appraisals, the impact of lab-grown diamonds on the market, and the significance of proper jewelry valuation.Tune in to discover the secrets behind jewelry appraisals, insurance considerations, and the hidden stories within the world of gemstones.TIMESTAMPS[00:03:13] Buying Jewelry in Imperfect Condition.[00:06:33] Safety in Home Visits.[00:08:20] Dividing Assets...2024-05-1441 minThe Real TalkBreathe Easy: Uncovering Mold, Asbestos and Culprits with Manny Pozo, President of BioResponse RestorationIn episode 38 of The Real Talk, Raquel Ramirez interviews Manny Pozo, President of BioResponse Restoration, as they dive deep into the world of water, fire, and mold remediation, discussing the importance of indoor air quality and the potential dangers of asbestos. Manny shares valuable insights on how to prevent mold growth, the significance of proper ventilation, and the common mistakes homeowners make that can lead to mold issues.Tune in for an informative discussion on property restoration and indoor air quality.TIMESTAMPS[00:02:54] Asbestos and its Dangers.[00:04:36] Asbestos in Commercial Properties.2024-05-071h 04The Real TalkJoy for the Journey: Lessons from My Life Saver with Reina Encio, CYB-MFLCIn episode 37 of The Real Talk, Raquel Ramirez interviews Reina Encio, a therapist, as they discuss the power of therapy, finding joy in life, and the importance of learning from experiences. Reina shares her expertise as a marriage and family therapist, offering practical advice and heartwarming stories.Tune in to discover the transformative power of therapy and the beauty of embracing life's challenges. TIMESTAMPS[00:03:04] How Reina Encio Saved My Life.[00:06:31] Untangling Thoughts in Therapy.[00:07:43] A Life-Changing Encounter.[00:13:24] Therapist's Unique Counseling Approach.[00:18:02] Importance of Session Length.2024-04-301h 00The Real TalkP.I.'s: Uncovering the Truth & Piecing it Together with Martin SilberIn episode 36 of The Real Talk, Raquel Ramirez interviews private investigator, Martin Silber, as they discuss the misconceptions about PIs, the diverse cases they handle beyond infidelity investigations, and Martin's background in the field. Tune in for an engaging conversation about the complexities of private investigation.TIMESTAMPS[00:02:02] Investigating Over 200 Death Cases.[00:06:29] Creative Process Serving Techniques.[00:10:37] Innocence Project and Wrongful Convictions.[00:13:41] Investigating Inheritance and Wills.[00:16:24] Financial Forensic Accountants and Colonoscopies.[00:20:19] The Importance of Details.[00:23:36] Estate Cases and Domestic Violence.[00:27:16] Elderly E...2024-04-2343 minThe Real TalkWe've Got Codes, Tax Codes with Attorney Magda Abdo-GomezIn episode 35 of The Real Talk, Raquel Ramirez interviews Attorney Magda Abdo-Gomez, a tax attorney, as she shares her journey into tax law and her experiences working with the IRS from the importance of opening IRS letters promptly to the implications of missing tax deadlines.Tune in to discover the relationship between bankruptcy and tax law, and learn about the significance of acting within timeframes in legal matters. TIMESTAMPS[00:01:47] Finding Passion in Tax Law.[00:04:41] Law School Challenges and Realizations.[00:08:43] The Complexity of Tax Codes.[00:12:51] Specializing in Tax L...2024-04-1648 minThe Real TalkMediating Hearts: Exploring Family Mediation for Optimal Solutions with Anna C. Fernandez, Esq.In episode 34 of The Real Talk, Raquel Ramirez interviews Anna C. Fernandez, a family law attorney with her own practice, Legal Lotus. Anna discusses the importance of mediation in divorce cases, the value of seeking professional help, and the benefits of having a supportive team during challenging times. Tune in for a deeper understanding of the complexities of family law and the importance of seeking the right support TIMESTAMPS[00:02:10] Family Legacy in Law.[00:06:06] Shedding Light on Important Topics.[00:09:20] Navigating Divorce with Children.[00:11:34] Attorneys' Impact on Legal Process....2024-04-021h 10The Real TalkUnveiling the Power of Networking with Peter HainesIn episode 33 of The Real Talk, Raquel Ramirez interviews Peter Haines, a management consultant and the founder of Horizon Growth LLC. They discuss Peter's journey from working at MIT to consulting for various companies, including a successful engineering company. The conversation also delves into the power of networking through BNI (Business Network International) and the impact it can have on business growth.Tune in for an engaging discussion filled with wisdom and camaraderie.TIMESTAMPS[00:02:43] MIT and Unconventional Career Path.[00:04:53] Cold Calling and Company Insights.[00:15:52] Education and Career Choices.2024-03-1932 minThe Real TalkBehind the Walls: Reality of Home Inspections with Hugo HernandezIn episode 32 of The Real Talk, Raquel Ramirez welcomes Hugo Hernandez, owner of H&H Pro Home Inspections, to delve into the world of home inspections. They explore the importance of home inspections for both buyers and sellers, touching on listing inspections and common reasons why homeowners seek inspection services. Tune in to gain expert advice and insights into the world of real estate and home inspections.TIMESTAMPS[00:02:07] Getting into Home Inspecting.[00:04:34] Brand New Construction Inspections.[00:09:14] House Settlement Cracks Explanation.[00:12:28] Hiring the Right Professionals.[00:17:00] Termite I...2024-03-1250 minThe Real TalkOwn a Business - Be Transparent with Lawrence Lambert, Esq.In episode 31 of The Real Talk, Raquel Ramirez interviews Lawrence Lambert, a seasoned business attorney, to discuss the implications of the Corporate Transparency Act on small businesses. Lawrence shares valuable insights on the Act, its requirements, and the importance of legal protection for businesses.Tune in to gain valuable knowledge about the legal aspects of entrepreneurship and small business operations.TIMESTAMPS[00:02:27] Evolving Legal Career.[00:06:08] Tired of Fighting[00:10:58] Drafting Business Documents for Couples.[00:15:17] Small Business Regulations.[00:22:46] Shell Companies and Anonymity.[00:26:21] Beneficial Ownership[00:31:30...2024-03-0550 minThe Real TalkWhat Men Really Feel with Robert SepulvedaIn episode 30 of The Real Talk, Raquel Ramirez welcomes Robert Sepulveda, founder of Explr, as they discuss the importance of men's coaching, emotional intelligence, and finding balance in life and relationships. Tune in to discover how men navigate through fears of not being good enough and the significance of community support.TIMESTAMPS[00:02:53] Men's Circles and Empowerment Workshops.[00:07:24] Masculine and Feminine Energy.[00:08:55] Expressing Feelings in Relationships.[00:13:13] Perception and Reality Differences.[00:16:39] Purpose and Life Fulfillment.[00:27:28] Masculinity in Different Professions.[00:31:24] Finding Internal Balance in L...2024-02-201h 14The Real TalkSame Foreigners, New Law with Attorney Barry L. SimonsIn episode 29 of The Real Talk, Raquel Ramirez is joined by real estate attorney, Barry Simons, to discuss the changes in the law regarding foreign ownership and registration requirements for property purchases, as well as the impact of migration on the real estate market.Tune in to gain insights and expert advice on navigating the complexities real estate.TIMESTAMPS[00:01:34] Real Estate-Related Transactions and Litigation.[00:05:10] County's Investigation into Homestead Exemptions.[00:08:19] Changes in Real Estate Law.[00:12:41] Foreign Ownership of Agricultural Land.[00:17:05] Foreign Principles and Real Estate.2024-02-0652 minThe Real TalkInfinite Banking, the Ultimate Way to Save with Angel GonzalezIn episode 28 of The Real Talk, Raquel Ramirez interviews Angel Gonzalez, a group health, life, and supplemental insurance expert. Angel shares his expertise on infinite banking, a concept that helps individuals and families create financial freedom without relying on external banking institutions. He also discusses the Money Max account, a debt elimination solution that acts as a GPS for your finances. Tune in to learn how to recapture wealth, pay down debt, and achieve financial independence.TIMESTAMPS[00:01:15] Infinite Banking and Debt Elimination.[00:04:25] Infinite Banking System Affordability.[00:09:12] Debt Management System.2024-01-2358 minThe Real TalkReconceptualizing Pain for a Better Life with Dr. Katie DabrowskiIn episode 27 of The Real Talk, Raquel Ramirez welcomes Dr. Katie Dabrowski to discuss how we can improve our life and health span. They dive into topics such as nutrition, exercise, fitness, and debunking misinformation in the health industry. Tune in to gain valuable insights and expert advice on maintaining a healthy lifestyle.TIMESTAMPS[00:02:24] Providing Holistic Healthcare Experiences.[00:08:06] Understanding Pain.[00:15:19] Risk and Growth.[00:24:03] Back Pain Misinformation.[00:27:05] Approach and Information in Rehab.[00:39:32] Evolutionary Psychology and Biology.[00:49:09] Mindset and Pain Perception.[00:52:17] D...2024-01-161h 03The Real TalkWhat Happened & What's To ComeIn episode 26 of The Real Talk, Raquel Ramirez reflects on the real estate market in 2023 and looks ahead to what we can expect in 2024. She discusses the challenges faced by buyers and sellers in a stagnant market and the impact of high rental prices on tenants. However, there is good news for buyers as interest rates have dropped and are expected to continue to lower throughout the year. Raquel encourages buyers to take advantage of the current situation and not wait for the market to become more competitive. Tune in to be filled with valuable information and i...2024-01-0210 minThe Real TalkTales from a Property Manager with Suzanne Wilson Wong, Real Property Management GenesisIn episode 25 of The Real Talk, Raquel Ramirez welcomes property manager Suzanne Wilson-Wong to discuss the ins and outs of property management. Suzanne shares her journey of becoming a property manager and how she helps rental owners maximize their investments while providing excellent service to tenants. They also discuss the launch of Suzanne's new video series, “Stories with Suze, The Property Manager”, which aims to educate and inspire others in the industry. Tune in as they define property management and shed light on the important role property managers play.TIMESTAMPS[00:04:41] What a property manag...2023-12-2646 minThe Real TalkThe Real Deal on Evictions with Douglas C. Hiller, Esq. | Hiller Law, PAIn episode 23 of The Real Talk, Raquel Ramirez interviews a real estate professional, Douglas Hiller, to discuss the shocking and disturbing things some tenants do to rental properties. From painting on walls to destroying plumbing and electrical systems, they dive into the unbelievable stories of property damage and the frustrations landlords face. Tune in to hear more about Doug's impressive journey and insights into the real estate industry.TIMESTAMPS[00:02:34] Tenancy Disputes and Evictions.[00:04:32] Landlord's Right to File Lawsuit.[00:14:21] Eviction Process and Fees.[00:19:19] Property Destruction by Tenants.2023-12-0539 minThe Real TalkUntying the Knot: Navigating Mortgage Financing During Divorce with Michael Lux, CDLP, GRI and Manager at Alterra Home LoansIn episode 22 of The Real Talk, Raquel Ramirez is joined by special guest, Michael Lux, a financing expert and branch manager at Alterra Home Loans. With over 39 years of experience in the mortgage and real estate business in South Florida, Michael shares his insights and expertise on housing and mortgage strategies. He also discusses his role as a certified divorce lending professional and the importance of educating realtors and fellow bankers in the industry.Tune in for an insightful conversation about real estate, divorce, financing, and navigating difficult transactions.TIMESTAMPS[00:02:14] The Lending Process.2023-11-281h 05The Real TalkMortgage Lending & Your Ability to Repay with Phil Logue, Mortgage Lending Officer with Equity Express MortgageIn episode 20 of The Real Talk, Raquel Ramirez interviews Phil Logue, a mortgage loan officer with Equity Express Mortgage. Phil shares his extensive experience in the mortgage industry, having started in 1988 and even owning his own mortgage brokerage business. He discusses his journey as an investor, landlord, and homeowner, offering valuable insights into the lending world.Tune in to this insightful conversation about mortgages and lending.TIMESTAMPS[00:01:36] Experience in Lending.[00:04:37] Importance of Pre-qualification Process.[00:08:09] Debt-to-Income and Loan Qualifications.[00:12:39] Self-Employed Loan Options.[00:14:10] Different Loan Programs Available.2023-11-1445 minThe Real TalkLove Across Boarders: Family, Fiancés & Immigration with Elina M. Santana, Immigration Attorney with Santana Rodriguez LawIn episode 19 of The Real Talk, Raquel Ramirez is joined by Elina Santana, an Immigration Attorney and founder of Santana Rodriguez Law, P.A. They discuss Elina's background as a Cuban-American immigrant and her passion for helping others. Raquel and Elina emphasize the importance of understanding what to include, what to avoid, and what additional documents or evidence to submit alongside the forms in order to successfully navigate the immigration process.Tune in for insightful conversations, expert advice, and powerful stories about family, fiancé, and immigration.TIMESTAMPS[00:02:46] Firm's Practice and Clientele.[00:06:02] F...2023-11-0739 minThe Real TalkBeware of Nightmares: A Window Company Horror Story with Andrew Blanco, Advance Impact Glass SystemIn episode 18 of The Real Talk, Raquel Ramirez interviews Andrew Blanco from Advance Impact Glass System to discuss the challenges and frustrations of dealing with window companies. They delve into the issues faced from initial sales pitches to ongoing problems, highlighting the importance of choosing a reliable and reputable company for window installations. Tune in to hear the conversation unfold and gain insights into the importance of finding trusted professionals in the window industry.TIMESTAMPS[00:00:49] Sore Subject with Window Company.[00:05:26] Hiring the Right Company.[00:10:25] Flimsy Impact Windows.[00:13:19] W...2023-10-311h 06The Real TalkWhy You Should Hire a Design Broker with JC Ramirez, Partner at NMR Design GroupIn episode 17 of The Real Talk, Raquel Ramirez welcomes JC Ramirez, Partner at NMR Design Group. They delve into the challenges and stress that often accompany home improvement projects, particularly in the realm of interior design. Raquel and JC also discuss the significant value provided to clients, emphasizing how it can save them money in the long run.Tune in for expert advice and insights on all things contracting and interior design.TIMESTAMPS[00:02:07] NMR Design Group Process.[00:04:32] Juggling Work and Home Projects.[00:09:04] Hiring a Reliable Contractor.[00:14:19] Need...2023-10-2429 minThe Real TalkAn Intro to Reverse Mortgages & VA Loans with Phil Stevenson, CRMP PS Mortgage LendingIn episode 16 of The Real Talk, Raquel Ramirez interviews Phil Stevenson, a mortgage broker from PS Mortgage Lending. They discuss the burning question of where mortgage rates are headed and explore the topic of loan eligibility. He also talks about his background in economics and his journey in the mortgage brokerage business. Tune in to get valuable insights and dispel common myths about mortgages.TIMESTAMPS[00:01:31] Mortgage Rates and Market Fluctuations.[00:03:48] Real Estate Market and Interest Rates.[00:07:13] The Housing Market's Future.[00:11:38] Calculating Someone's Eligibility.[00:14:29] Pursuing a C...2023-10-1742 minThe Real TalkIs Now a Good Time to Buy? with Carlos Gutierrez, Realtor and Broker Associate with Coldwell Banker RealtyIn episode 15 of The Real Talk, Raquel Ramirez is joined by Carlos Gutierrez, a broker associate and past president of the Miami Association of Realtors. They discuss whether or not it is a good time to buy real estate, a question that is often asked by potential buyers. Raquel and Carlos also emphasize the importance of looking at real estate appreciation from a long-term perspective and not solely focusing on short-term gains.Tune in for their honest opinions and valuable advice on navigating the current real estate landscape.TIMESTAMPS[00:05:43] The Best Time to...2023-10-1045 min