"I Heard That" (Podcast) with Coach Clarence

Are you self-employed, making good money, but struggling to qualify for a mortgage? You aren't alone. Business owners, entrepreneurs, freelancers, independent contractors, and 1099 earners can sometimes run into challenges when applying for a traditional mortgage because the way their qualifying income is calculated may not reflect the full picture of their business cash flow. But a traditional mortgage isn't necessarily the only option. In this episode, I break down alternative mortgage options for self-employed borrowers, including bank statement loans, 1099 programs, P&L programs, and other non-QM mortgage solutions. I'll explain what non-QM actually means, why these loans still require underwriting and documentation, and how working with a mortgage broker may provide access to additional lending options when a traditional bank's program isn't the right fit. I also share a recent real-world example of a borrower we helped qualify to purchase a home using a 12-month bank statement loan program. You'll learn why getting turned down by one lender doesn't necessarily mean you can't qualify for a mortgage—and why talking with a mortgage professional before you start shopping for homes can make such a big difference. If you're self-employed and looking to buy a home or refinance, this episode will help you better understand the mortgage options that may be available. Ready to explore your options? Schedule a call with me using the link in the show notes.https://tidycal.com/coachclarence/30-minute-mortgage-and-credit-consultation-strategy-call20251111195249 Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Your bank said no. Does that mean your business idea or real estate opportunity is dead? Not necessarily. In this episode of I Heard That Podcast, Coach Clarence explains why traditional bank financing is only one part of the capital marketplace and explores alternative financing options available to business owners, entrepreneurs, and real estate investors. We break down some of the reasons traditional banks decline financing requests, including credit, collateral, cash flow, time in business, documentation, and the type of transaction. You'll also learn why less-than-perfect credit doesn't necessarily mean you have zero options. Coach Clarence discusses commercial real estate financing, fix-and-flip and real estate investment financing, revenue-based business funding, and why choosing the right financing is about much more than simply getting approved. You'll also hear the real-world story of an entrepreneur relocating from Tennessee to Arizona who needed financing not only to acquire a building, but also to prepare the property, maintain reserves, and market her new business. The lesson? Funding should support the business plan. The business plan shouldn't exist simply to justify getting funded. Before borrowing, know your numbers, understand the costs and repayment structure, and determine whether the capital you're considering actually makes financial sense. If you've been turned down by a bank—or you're a business owner or real estate investor trying to understand your financing options—this episode is for you. Listen in, know your numbers, and find out what options may be available. Here are the links to find out your options or Reach out directly: @[email protected] Bankbreezy.com/funding/coachclarence Davidallencapital.com/business-capital/coachclarence Hosted by Simplecast, an AdsWizz company. See https://pcm.adswizz.com for information about our collection and use of personal data for advertising.

Many people think they understand HIV—but much of what they believe is outdated or simply incorrect. In this episode of I Heard That Podcast, Coach Clarence sits down with Marie Niles, founder of Beehive, retired healthcare professional, Gold Star Mother, and HIV advocate. Marie shares her deeply personal journey of living with HIV while working to educate communities, reduce stigma, and promote prevention through facts rather than fear. Whether you know someone affected by HIV or simply want to better understand one of the most misunderstood health topics today, this is a conversation worth hearing. If this episode impacted you, please subscribe, leave a review, and share it with someone who can benefit from the conversation. You can support Bee Hiv Here or Reach out for more information: https://beehivfoundation.org/ Hosted by Simplecast, an AdsWizz company. See https://pcm.adswizz.com for information about our collection and use of personal data for advertising.

Everyone wants a higher credit score, especially when they're preparing to buy a home. Unfortunately, social media has created unrealistic expectations about what can actually be accomplished in a short period of time. In this episode, I explain the difference between credit repair and a rapid rescore, discuss the financial habits that often lead to poor credit, and share a real client story about setting realistic expectations on the path to homeownership. If you've been wondering whether your credit can be improved—or you're planning to buy a home soon—this episode will help you understand what really works. Schedule Time With Our Team: https://tidycal.com/coachclarence/30-minute-mortgage-and-credit-consultation-strategy-call20251111195249 https://www.growthpathfinancial.com Hosted by Simplecast, an AdsWizz company. See https://pcm.adswizz.com for information about our collection and use of personal data for advertising.

Divorce, Mortgages & Your Financial Future Episode Description Divorce is one of life's most emotional transitions, and it's also one of the most financially complex. In this episode, we discuss one of the biggest questions homeowners ask during a divorce: Can I buy a house or refinance while my divorce is still in progress? The answer isn't always simple. As a mortgage professional, I've helped clients navigate divorce-related home financing, and I've also seen emotional decisions create unnecessary financial setbacks. In this episode, I'll explain what lenders are really looking for, why your marital separation agreement matters, how child support and alimony affect mortgage qualification, and why rushing into a home purchase can sometimes do more harm than good. I also share a real client story about helping someone refinance their home during a divorce using a special circumstances refinance to remove a spouse from the mortgage. Whether you're currently going through a divorce, thinking about buying your next home, or simply want to better understand your mortgage options, this episode is packed with practical guidance that can help you make informed financial decisions. What You'll Learn • Can you qualify for a mortgage during a divorce? • What lenders need before approving your loan • Why debt-to-income ratio changes during divorce • How child support and alimony impact mortgage approval • Common financial mistakes divorcing couples make • Why emotions often create expensive mortgage problems • When refinancing may be the right solution • How to protect your financial future while navigating divorceIf you're going through a divorce and have questions about buying a home or refinancing your mortgage, I'd be happy to help you understand your options. 📞 Phone: 602-299-9357 📧 Email: [email protected] 🌐 Website: www.clarenceferguson.com You can also connect with me on YouTube, LinkedIn, Facebook, Instagram, and Substack for weekly mortgage education, homebuying tips, and market updates. If you found this episode helpful, please follow the podcast, leave a review, and share it with someone who could benefit from this information. Every review helps more homeowners discover practical mortgage advice they can trust. Hosted by Simplecast, an AdsWizz company. See https://pcm.adswizz.com for information about our collection and use of personal data for advertising.

Think getting pre-approved means you're in the clear? Not so fast. In this episode, I share the nine biggest mistakes that can jeopardize your mortgage before closing and explain why lenders continue reviewing your finances all the way to the finish line. I also share a real client story where a last-minute purchase and reduced overtime nearly caused the buyer to lose their home and earnest money. If you're planning to buy, refinance, or invest in real estate, this episode could save you from making an expensive mistake. For Direct question email me: [email protected] Hosted by Simplecast, an AdsWizz company. See https://pcm.adswizz.com for information about our collection and use of personal data for advertising.

Starting July 1, 2026, several major credit and debt changes could affect millions of Americans. In this episode, we break down four important updates involving student loans, credit reports, credit scores, medical debt, mortgage approvals, collections, wage garnishments, tax refund offsets and Social Security offsets. Some of these changes may help consumers, including a federal student loan autopay interest rate reduction and expanded mortgage credit scoring options. But other changes could create serious financial risks for borrowers with medical debt or defaulted student loans. In this episode, you will learn: What changes on July 1, 2026 How the student loan autopay interest rate reduction works Why VantageScore 4.0 may matter for mortgage approvals What is happening with medical debt and credit reports How student loan collections could return for defaulted borrowers What wage garnishment, tax refund offsets and Social Security offsets mean Why you should check your student loan status and credit report now If you have student loans, medical collections, or you are planning to buy a home, this episode is important. Do not wait until these changes hit your credit report. Take time now to review your accounts, contact your loan servicer, and understand your options. This content is for educational purposes only and should not be considered legal, financial, or credit advice. Always review your personal situation with a qualified professional or your loan servicer. Reach out to : [email protected] or www.clarenceferguson.com Hosted by Simplecast, an AdsWizz company. See https://pcm.adswizz.com for information about our collection and use of personal data for advertising.

In this episode of the "I Heard that!" Podcast, Coach Clarence tackles one of the biggest mistakes homebuyers make: confusing mortgage pre-approval with true affordability. Just because a lender approves you for a certain loan amount doesn't mean it's the right financial decision. Buying a home should help you build wealth—not leave you stressed over every monthly payment. In this episode, you'll learn: • Why being pre-approved doesn't mean you should spend the maximum amount • The real cost of homeownership beyond your principal and interest payment • How property taxes, homeowners insurance, HOA fees, maintenance, and utilities affect your monthly budget • How to determine a comfortable home payment that still allows you to save, invest, and enjoy your lifestyle • Practical strategies to avoid becoming house poor in today's housing market Whether you're a first-time homebuyer, moving up to your next home, or planning to buy in Phoenix or anywhere in Arizona, this episode will help you make a confident financial decision that supports your long-term goals. 🎧 Tune in and learn how to buy a home you can truly afford—not just one you qualify for. Hosted by Simplecast, an AdsWizz company. See https://pcm.adswizz.com for information about our collection and use of personal data for advertising.

Learn how Boss Lady Tina Marie balances successful entrepreneurship with critical advocacy for human trafficking survivors. Coach Clarence hosts this raw conversation with Boss Lady Tina Marie to discuss the reality of building a brand while serving the community. They first crossed paths at an event dedicated to supporting women recovering from domestic violence and human trafficking, sparking a dialogue on how to reclaim one's narrative after crisis. This episode moves past standard business advice to address the mental fortitude required when your professional life intersects with deep social responsibility. Listeners will walk away with practical strategies for maintaining focus on personal goals while engaging in survivor advocacy. Dana Marie explains the specific challenges of entrepreneurship after trauma and how she uses her platform to give others a voice. If you are looking for an honest perspective on professional growth combined with a commitment to social impact, this conversation offers a blueprint for turning past pain into a sustainable business mission. Subscribe for weekly I Heard That Podcast breakdowns, and comment below on which guest or topic you want Coach Clarence to feature next. Find out more about Tina here: https://thewsallc.square.site/ Hosted by Simplecast, an AdsWizz company. See https://pcm.adswizz.com for information about our collection and use of personal data for advertising.

Is now actually a good time to buy a house in Phoenix, or should first-time homebuyers wait? In this episode, we break down what today’s market really means for first-time buyers and how to decide if buying now makes sense for your personal situation. We’ll talk about affordability, monthly payment comfort, new construction incentives, builder rate buydowns, first-time homebuyer programs, and why you should never rush into buying without a plan. You’ll also hear a real-world example of how a first-time homebuyer used the right program and a clear plan to purchase a home in just 90 days. Before you let interest rates, home prices, social media, or pressure from a builder make the decision for you, this episode will help you understand what to look at first so you can buy with more confidence. Join our Facebook Group : https://www.facebook.com/groups/fitover40withcoachclarence Hosted by Simplecast, an AdsWizz company. See https://pcm.adswizz.com for information about our collection and use of personal data for advertising.

Are you being told that renting is smarter than buying? Before you sign another lease, you need to understand who really benefits when you keep renting. In this episode, we break down why wealthy investors, landlords, and corporations continue buying real estate while everyday renters are told to “wait,” “rent,” or “avoid buying right now.” We talk about how your monthly rent may be helping someone else build equity, why luxury apartments can quietly keep renters stuck, and how waiting too long could potentially price you out of homeownership. You will also hear a real-world example of someone paying $2,800 a month for a luxury apartment who may have had the ability to buy a home with a backyard and pool using down payment assistance. This episode is not about saying renting is always bad. It is about helping you understand your options, run the numbers, and make a smarter decision for your future. Hosted by Simplecast, an AdsWizz company. See https://pcm.adswizz.com for information about our collection and use of personal data for advertising.

Before you fall in love with a home, know what payment actually fits your life. In this episode, we break down three simple ways to estimate your affordable house payment using your gross income, your current monthly debt, and your desired comfort-zone payment. You’ll learn how the 45% income guideline can give you a quick starting point, then how to subtract existing debt to get a more realistic number before you start shopping. Lets discuss your numbers: https://tidycal.com/coachclarence/30-minute-mortgage-and-credit-consultation-strategy-call20251111195249 Hosted by Simplecast, an AdsWizz company. See https://pcm.adswizz.com for information about our collection and use of personal data for advertising.

Think you need a 700 credit score to buy a home in Phoenix? Think again. In this episode, I break down the truth about credit scores, FHA, VA, USDA, conventional loans, down payment assistance, and Non-QM options. The biggest mistake buyers make is self-disqualifying before they know their real options. Your credit score matters, but it is not the whole story. Lenders also look at income, debt, payment history, affordability, and the right loan strategy. Before you renew your lease or assume you cannot qualify, get the facts. Your future home may be closer than you think. Subscribe for more mortgage tips, homebuying strategies, and real talk about building wealth through real estate. Reach out for more information: https://tidycal.com/coachclarence/30-minute-mortgage-and-credit-consultation-strategy-call20251111195249 Hosted by Simplecast, an AdsWizz company. See https://pcm.adswizz.com for information about our collection and use of personal data for advertising.

Everybody keeps saying the same thing right now: “Just wait.” Wait for rates to drop. Wait for prices to fall. Wait for the market to get better. But what happens when everybody jumps back in at the same time? In this episode, we talk about the real cost of waiting to buy a home… And why fear might be the thing actually holding buyers back. No hype. No fake urgency. Just an honest conversation about: • Rising competition • Buyer psychology • Market timing • And how to make a smart decision without getting trapped by fear If you’ve been sitting on the fence about buying a home, this episode is for you. If you want a look at your personal situation reachout: [email protected] Download my DIF credit E-book: https://growthpathfinancial.com/diy-599121 Hosted by Simplecast, an AdsWizz company. See https://pcm.adswizz.com for information about our collection and use of personal data for advertising.

Everybody keeps saying the same thing right now: “Just wait.” Wait for rates to drop. Wait for prices to fall. Wait for the “perfect” time to buy. But what if waiting is actually costing you more? In this episode, we break down the real financial and emotional cost of sitting on the sidelines in today’s housing market. We talk about: • Why lower interest rates could create MORE competition • How waiting can quietly price buyers out • The psychology keeping so many people stuck • Why fear often disguises itself as “being smart” • And how to think clearly when the market feels chaotic This isn’t a hype-filled “buy now” pitch. Some people absolutely should wait. But many buyers are unknowingly making emotional decisions based on headlines, social media fear, and uncertainty… instead of looking at their own long-term goals. If you’ve been stuck between buying now or waiting for the market to change, this conversation will help you look at the situation differently. Because the cost of NOT buying matters too. Hosted by Simplecast, an AdsWizz company. See https://pcm.adswizz.com for information about our collection and use of personal data for advertising.

In this episode, we break down how seasonal income, contract income, travel nurse income, overtime, commission, and other types of variable income may be reviewed when applying for a mortgage. Many first-time homebuyers and homeowners looking to refinance assume that inconsistent income automatically disqualifies them from getting approved. That is not always the case. Seasonal income may be used to qualify for a home loan, but it has to be documented, calculated, and reviewed correctly based on lending guidelines. We discuss how lenders typically look at income history, consistency, likelihood of continuance, and why safe and conservative income estimates matter when determining how much home you may qualify for. You will also learn what documents to have ready, including pay stubs, W-2s, 1099s, tax returns, contracts, and employment history. We also share a real-world example of a traveling nurse with multiple contracts and how organizing the paperwork helped narrow down the usable income for mortgage qualification. Whether you are buying your first home or considering a refinance, getting pre-approved early can help you save time, avoid surprises, and understand what loan options may be available based on your actual income. This episode is a must-listen for anyone with seasonal income, contract income, or variable income who wants to better understand the mortgage approval process. Hosted by Simplecast, an AdsWizz company. See https://pcm.adswizz.com for information about our collection and use of personal data for advertising.

Summer expenses are coming fast: camps, vacations, sports, groceries, home repairs, and all the surprise costs that seem to hit at once. But before those bills start stacking up, there may be one place homeowners forget to look: their mortgage. In this episode, we talk about why a low mortgage rate does not always mean your full financial picture is healthy. You’ll hear the story of a homeowner with a 2.99% mortgage who was still drowning in high-interest credit card debt, and how a full mortgage checkup helped her free up about $600 per month in cash flow. This is not about telling everyone to refinance. It is about asking a better question: Is your mortgage still working for your life right now? Schedule Time with Coach Clarence: https://tidycal.com/coachclarence/30-minute-mortgage-and-credit-consultation-strategy-call20251111195249 Hosted by Simplecast, an AdsWizz company. See https://pcm.adswizz.com for information about our collection and use of personal data for advertising.

If you’re going through a divorce, separation, or property split and trying to figure out what happens to the house, this episode breaks it down in plain English. We’re talking about equity buyouts, how one person may be able to stay in the home, and why that doesn't always mean a traditional cash-out refinance. In this episode, we unpack the difference between ownership, mortgage liability, and equity payout… because those are three separate issues, and mixing them up is where expensive mistakes happen. We also cover when a mortgage assumption may come into play, why signing over the title does not automatically remove someone from the loan, and how to think through the options before replacing a low-rate mortgage. If you’ve heard “just refinance and buy them out,” this episode shows there may be more to the story. Clear, practical, and built to help you make smarter housing decisions when the stakes are high. Hosted by Simplecast, an AdsWizz company. See https://pcm.adswizz.com for information about our collection and use of personal data for advertising.

Most real estate investors think they have to qualify for a mortgage the same way they did for their primary home. That old-school thinking keeps a lot of people stuck. In this episode, Coach Clarence from Team Ferguson reveals how DSCR loans give investors a different and often smarter way to finance rental properties. Instead of focusing heavily on your personal income, these loans look at whether the property can pay for itself. That means more flexibility, fewer roadblocks, and a real chance to scale your portfolio without getting buried in traditional income documentation. If you are serious about growing in real estate, this is an episode you do not want to miss. Hit play, subscribe, and share this episode with another investor who needs to hear it. Hosted by Simplecast, an AdsWizz company. See https://pcm.adswizz.com for information about our collection and use of personal data for advertising.

Think you need perfect credit or 20% down to buy a home in Phoenix? Think again. In this episode, we break down one of the biggest questions first-time homebuyers face: FHA vs. Conventional loans — and which one actually gives you the advantage. There’s a lot of bad information floating around. Some people think FHA loans are only for buyers with bad credit, while others believe conventional loans require massive down payments and perfect financials. The truth? It’s not that simple. We unpack the real differences between these two loan types and explain how they actually work in today’s Phoenix housing market. You’ll learn: • Why FHA loans often make sense for many first-time buyers • The truth about credit scores and down payments • Why conventional loans aren’t just for wealthy buyers • How your loan choice can impact your buying power and your offer • The biggest mistakes Phoenix homebuyers make when choosing a loan By the end of this episode, you’ll have a clear, no-nonsense understanding of which loan might work best for your situation — so you can move forward with confidence instead of confusion. If you’re thinking about buying a home in Phoenix or anywhere in Arizona, this is an episode you don’t want to miss. 🎧 Hit play and learn how to choose the right loan before you start house hunting. Hosted by Simplecast, an AdsWizz company. See https://pcm.adswizz.com for information about our collection and use of personal data for advertising.

Think being self-employed means you can’t qualify for a mortgage? Think again. Too many entrepreneurs, freelancers, and business owners assume their tax write-offs, inconsistent income, or credit history will keep them from buying a home. And sometimes… banks don’t exactly make the process easy. In this episode, we break down the real formula lenders use to approve mortgages—something most buyers never learn. It’s called the Four C’s of Mortgage Approval, and once you understand it, the process suddenly makes a lot more sense. We cover: ✔️ Credit – why your score matters, but isn’t the whole story ✔️ Capacity – how lenders actually evaluate your income when you're self-employed ✔️ Capital – what assets and reserves can do for your approval odds ✔️ Collateral – how the property itself plays a role in the decision You’ll also hear the story of a self-employed buyer who assumed they wouldn’t qualify… until they discovered how the system really works. If you work for yourself and want to buy a home, this episode will help you understand what lenders are really looking for—and how to position yourself to get approved. Listen now and learn how the mortgage game really works when you’re self-employed. And if you’re an entrepreneur thinking about buying a home, connect with me and let’s see what options may be available to you. Hosted by Simplecast, an AdsWizz company. See https://pcm.adswizz.com for information about our collection and use of personal data for advertising.

The real estate market right now is confusing for many buyers… but it’s also full of opportunity.In this episode, we break down how today’s market can benefit both buyers and sellers, how supply and demand are shaping home prices, and why many buyers hold themselves back with outdated assumptions about credit scores and down payments.We also explain why a strong pre-approval matters more than ever and how it can help your offer stand out in a competitive situation.If you're planning to buy a home, this episode will help you better understand the market and put yourself in a stronger position when it's time to make an offer.Support the showPlease subscribe give us a review and share the show. Email show ideas or apply to be a guest at:  [email protected]. We love your feedback.YouTube: Coach  Clarence TVInstagram: www.instagram.com/clarencemfergusonInstagram: www.instagram.com/tharealcoachclarenceFacebook:https://www.facebook.com/groups/fitover40withcoachclarenceLinkedin:https://www.linkedin.com/in/clarencef/Pinterest: https://www.pinterest.com/CoachClarence/Twitter: https://twitter.com/fitnusbiznus Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

 Is now really the worst time to buy a home… or the biggest opportunity? In this episode of the I Heard That Podcast, Clarence breaks down the 2026 housing market, tackling rising interest rates, high home prices, and the fear keeping buyers stuck on the sidelines. If you’ve been waiting for rates to drop or prices to crash, this episode challenges that thinking—and explains why hesitation could cost you more than action. Discover what smart buyers understand about today’s market, how to navigate uncertainty, and why timing the market is a losing game. If you’re thinking about buying a home, refinancing, or just trying to make sense of today’s real estate chaos—this is a must-listen. Support the showPlease subscribe give us a review and share the show. Email show ideas or apply to be a guest at:  [email protected]. We love your feedback.YouTube: Coach  Clarence TVInstagram: www.instagram.com/clarencemfergusonInstagram: www.instagram.com/tharealcoachclarenceFacebook:https://www.facebook.com/groups/fitover40withcoachclarenceLinkedin:https://www.linkedin.com/in/clarencef/Pinterest: https://www.pinterest.com/CoachClarence/Twitter: https://twitter.com/fitnusbiznus Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Are you being told that you need a 20% down payment, a credit score of 700 or higher, and perfect timing to buy a home?That belief is keeping thousands of qualified buyers stuck on the sidelines.In this episode of The I Heard That Podcast, Coach Clarence breaks down the biggest mortgage myths dominating today’s market — from down payment misconceptions to credit score confusion to the belief that high interest rates mean you should wait.The problem isn’t that people can’t qualify.The problem is they’re getting their information from the wrong sources.Clarence explains how Non-QM loans, bank statement programs, and down payment assistance are helping self-employed buyers, first-time homebuyers, and everyday earners purchase homes without 20% down or flawless credit.You’ll learn:Whether you really need 20% down to buy a houseWhat credit score do you actually need to qualify for a mortgageWhy high interest rates don’t automatically mean it’s a bad time to buyHow alternative lending solutions are changing the gameThis episode also shares the story behind the podcast’s name and the personal meaning of “I Heard That,” honoring Clarence’s late business partner while continuing the mission of educating and empowering buyers.If you’re serious about homeownership, wealth building, and making informed financial decisions, this episode is for you.If you found value in this conversation, subscribe, leave a 5-star review, and share this episode with someone who needs to hear it.Support the showPlease subscribe give us a review and share the show. Email show ideas or apply to be a guest at:  [email protected]. We love your feedback.YouTube: Coach  Clarence TVInstagram: www.instagram.com/clarencemfergusonInstagram: www.instagram.com/tharealcoachclarenceFacebook:https://www.facebook.com/groups/fitover40withcoachclarenceLinkedin:https://www.linkedin.com/in/clarencef/Pinterest: https://www.pinterest.com/CoachClarence/Twitter: https://twitter.com/fitnusbiznus Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Over 2 million borrowers just lost 100+ credit points, and most never saw it coming. If your score slid from a 700 to a 550 overnight, this episode is your playbook to reverse it.Inside, we unpack exactly how post-October 2024 reporting torpedoed scores—retroactive lates, skipped notices, duplicate tradelines, and how those same violations can be used to dispute and delete the damage.What you’ll learn:The reporting rules federal vs. private servicers keep breaking—and how to prove itThe step-by-step dispute stack: bureaus, servicer validation, CFPB complaintWhen consolidation resets the board (and when it doesn’t)How to escalate for fast corrections and permanent removalsWho it’s for: borrowers, first-time homebuyers, agents, and LOs advising clients—anyone who needs credit points back now.Make sure you share this episode with anyone who needs itSupport the showPlease subscribe give us a review and share the show. Email show ideas or apply to be a guest at:  [email protected]. We love your feedback.YouTube: Coach  Clarence TVInstagram: www.instagram.com/clarencemfergusonInstagram: www.instagram.com/tharealcoachclarenceFacebook:https://www.facebook.com/groups/fitover40withcoachclarenceLinkedin:https://www.linkedin.com/in/clarencef/Pinterest: https://www.pinterest.com/CoachClarence/Twitter: https://twitter.com/fitnusbiznus Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

JR—Arizona’s go-to home insurance specialist—breaks down how your policy can speed or stall a mortgage, refi, or HELOC. He shows what lenders verify (coverage limits, deductibles, replacement cost vs. ACV, effective dates, the mortgagee clause) and the gaps that jam closings—missing binders, wrong clauses, roof exclusions, HOA “walls-in” misunderstandings. Then he walks through the simple fixes he used on my policy to tighten coverage and cut costs: aligning limits with the appraisal, cleaning up endorsements, and timing the policy with closing so escrow stays smooth. Insurance built around your financing—not the other way around. An advisor beats a policy pusher every time. Join us for a conversation about one of Arizona's leading advisors, how his passion, love for God guides his business model.You can find out more about JR here: https://comparioninsurance.onemob.com/p/jrtheadvisorSupport the showPlease subscribe give us a review and share the show. Email show ideas or apply to be a guest at:  [email protected]. We love your feedback.YouTube: Coach  Clarence TVInstagram: www.instagram.com/clarencemfergusonInstagram: www.instagram.com/tharealcoachclarenceFacebook:https://www.facebook.com/groups/fitover40withcoachclarenceLinkedin:https://www.linkedin.com/in/clarencef/Pinterest: https://www.pinterest.com/CoachClarence/Twitter: https://twitter.com/fitnusbiznus Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Crypto Meets Real Estate?! You can now buy a home using your Bitcoin, without selling it.No, this isn’t hype. Starting mid-2025, a new rule from the Federal Housing Agency allows Bitcoin stored on U.S.-regulated exchanges to be used as mortgage collateral.✅ Keep your crypto ✅ Avoid capital gains ✅ Skip the credit check (in some cases)I break it all down in the latest episode of Coach’s Corner—from how the process works to who qualifies and why this could change the game for smart buyers and investors.Would you use your crypto to buy a home? Drop your thoughts in the comments ⬇️Support the showPlease subscribe give us a review and share the show. Email show ideas or apply to be a guest at:  [email protected]. We love your feedback.YouTube: Coach  Clarence TVInstagram: www.instagram.com/clarencemfergusonInstagram: www.instagram.com/tharealcoachclarenceFacebook:https://www.facebook.com/groups/fitover40withcoachclarenceLinkedin:https://www.linkedin.com/in/clarencef/Pinterest: https://www.pinterest.com/CoachClarence/Twitter: https://twitter.com/fitnusbiznus Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

You’ve been lied to. No, you don’t need perfect credit. No, you don’t need 20% down. And no, you don’t need a six-figure salary to become a homeowner.In this straight-shooting episode, Coach Clarence busts the biggest myths that have been holding people back from buying a home. Whether you’re living paycheck to paycheck or just unsure where to start, this one’s for you.✅ Learn the truth about what it takes to get qualified ✅ Discover loan options you probably didn’t know existed ✅ Walk away with 3 powerful, actionable steps that could have you holding the keys to your new home in just 30–45 daysRenting is not the only option. ✅ Ownership is possible—sooner than you think.Subscribe now for weekly no-fluff tips that make homeownership real and reachable.Download my first-time Homebuyer guide here:https://drive.google.com/file/d/1XSAShPVyS5WsVQk9Zr7Mz4PaR8Gw0mkU/view?usp=drive_linkSupport the showPlease subscribe give us a review and share the show. Email show ideas or apply to be a guest at:  [email protected]. We love your feedback.YouTube: Coach  Clarence TVInstagram: www.instagram.com/clarencemfergusonInstagram: www.instagram.com/tharealcoachclarenceFacebook:https://www.facebook.com/groups/fitover40withcoachclarenceLinkedin:https://www.linkedin.com/in/clarencef/Pinterest: https://www.pinterest.com/CoachClarence/Twitter: https://twitter.com/fitnusbiznus Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Let’s be real… Most people are drowning in content but starving for impact.In this episode of Coach’s Corner, we get raw with David Griffiths—gospel artist, former youth pastor, and ex-middle school teacher turned digital disruptor. If you think passion is enough to win online, think again. David breaks down how most creators are doing it wrong and why authenticity without strategy is a waste of time in the age of AI and algorithm overload. Discover:Why your “safe” content isn’t connectingThe brutal truth about attention in 2025How David turned low engagement into real influenceThe mindset shift creators must make to stay relevantIf you’re tired of watching mediocre content blow up while your meaningful posts get ignored, this episode is your wake-up call.Hit play and learn how to stop posting and start dominating.https://quickwinschallenge.com/Support the showPlease subscribe give us a review and share the show. Email show ideas or apply to be a guest at:  [email protected]. We love your feedback.YouTube: Coach  Clarence TVInstagram: www.instagram.com/clarencemfergusonInstagram: www.instagram.com/tharealcoachclarenceFacebook:https://www.facebook.com/groups/fitover40withcoachclarenceLinkedin:https://www.linkedin.com/in/clarencef/Pinterest: https://www.pinterest.com/CoachClarence/Twitter: https://twitter.com/fitnusbiznus Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

She’s a powerhouse mom, a top-performing realtor, and a no-BS life coach — and she’s not holding back.In this episode of Coach’s Corner, Shelly Lawhorn gets real about what it’s like juggling real estate, single motherhood, and personal growth in a world full of distractions and double standards.We talk about: * The truth behind modern dating & the “narcissist” buzzword * Why real estate is still a smart move (even with today’s rates) * Building a mindset business from personal mess to message * Accountability, boundaries, and raising boys with backboneThis one’s raw, real, and full of fire — especially if you're navigating business, motherhood, and dating with your head held high.Support the showPlease subscribe give us a review and share the show. Email show ideas or apply to be a guest at:  [email protected]. We love your feedback.YouTube: Coach  Clarence TVInstagram: www.instagram.com/clarencemfergusonInstagram: www.instagram.com/tharealcoachclarenceFacebook:https://www.facebook.com/groups/fitover40withcoachclarenceLinkedin:https://www.linkedin.com/in/clarencef/Pinterest: https://www.pinterest.com/CoachClarence/Twitter: https://twitter.com/fitnusbiznus Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

In this powerhouse episode of Coach’s Corner, we sit down with Brandon Cullen, CEO and co-founder of MADabolic. From pro hockey roots to building a national boutique fitness brand, Brandon shares how he went from the rink to the boardroom. We unpack:●     Why movement trumps macros.  ●     How Metabolic attracts high-achievers and keeps it exclusive by design. ●     The challenge of scaling without sacrificing culture.  ●     His refreshing take on leadership, fatherhood, and creating routines that last.  ●     Why the fitness industry is noisy—and what you need to focus on to stay consistent.  Whether you're a coach, entrepreneur, or simply someone who wants to move better and lead stronger, this one’s packed with value.Support the showPlease subscribe give us a review and share the show. Email show ideas or apply to be a guest at:  [email protected]. We love your feedback.YouTube: Coach  Clarence TVInstagram: www.instagram.com/clarencemfergusonInstagram: www.instagram.com/tharealcoachclarenceFacebook:https://www.facebook.com/groups/fitover40withcoachclarenceLinkedin:https://www.linkedin.com/in/clarencef/Pinterest: https://www.pinterest.com/CoachClarence/Twitter: https://twitter.com/fitnusbiznus Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

In this episode of  Coaches Corner, Coach Clarence dives into a powerful but often overlooked homebuying strategy—the mortgage buy-down. With rising interest rates sidelining buyers and scaring off first-timers, Clarence breaks down how a 2-1 buy-down can put real cash back in your pocket.You’ll learn: ✅ What a mortgage buy-down is (in plain English) ✅ How a 2-1 strategy works and who it’s best for ✅ Why this could be the game-changing move you need in today’s market ✅ How one buyer saves nearly $4,400 in one year on a $300K homeThis is the real estate cheat code nobody taught you in school. Hit play and arm yourself with tools to buy smarter, not harder.Here is the link to my First Time Homebuyer Guidehttps://drive.google.com/file/d/1XSAShPVyS5WsVQk9Zr7Mz4PaR8Gw0mkU/view?usp=sharingSupport the showPlease subscribe give us a review and share the show. Email show ideas or apply to be a guest at:  [email protected]. We love your feedback.YouTube: Coach  Clarence TVInstagram: www.instagram.com/clarencemfergusonInstagram: www.instagram.com/tharealcoachclarenceFacebook:https://www.facebook.com/groups/fitover40withcoachclarenceLinkedin:https://www.linkedin.com/in/clarencef/Pinterest: https://www.pinterest.com/CoachClarence/Twitter: https://twitter.com/fitnusbiznus Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

In this episode, we dive into the flaws of the traditional education system and its approach to preparing students for financial success. The host highlights the disconnect between years of academic training and practical financial knowledge, questioning why essential topics like wealth building, credit use, and investment strategies are often overlooked. The discussion critiques the outdated narrative of going to college for a secure future, illustrating how many degrees no longer guarantee job security and how the burden of student loan debt has skyrocketed to over $1.7 trillion in the U.S. The episode emphasizes the urgent need for a shift in how financial literacy is taught, as many graduates find themselves struggling with debt and financial instability right out of school. Tune in to explore why the conventional path may lead to financial struggle and what alternatives could better equip the next generation for success.Support the showPlease subscribe give us a review and share the show. Email show ideas or apply to be a guest at:  [email protected]. We love your feedback.YouTube: Coach  Clarence TVInstagram: www.instagram.com/clarencemfergusonInstagram: www.instagram.com/tharealcoachclarenceFacebook:https://www.facebook.com/groups/fitover40withcoachclarenceLinkedin:https://www.linkedin.com/in/clarencef/Pinterest: https://www.pinterest.com/CoachClarence/Twitter: https://twitter.com/fitnusbiznus Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

In this compelling episode of Coach's Corner, Coach Clarence sits down with Carlo Taormina, a renowned transformational mindset coach and peak performance expert. Carlo opens up about his battle with depression and suicidal ideation, sharing how he transformed his life and now empowers others to achieve personal and professional success.​Discover Carlo's step-by-step approach to enhancing performance across various life domains, including financial growth and relationship building. He emphasizes the importance of resilience, momentum, and taking decisive actions to unlock one's true potential.​Adding a touch of humor, Carlo discusses the unpredictable weather in Virginia and his use of nasal strips, hinting at a possible deviated septum. This light-hearted moment underscores the human aspect of personal development journeys.​ Tune in to learn:The power of transformational coaching in overcoming life's challengesStrategies for building and maintaining resilienceHow to create and sustain momentum towards your goalsInsights into improving financial stability and relationship dynamics​Support the showPlease subscribe give us a review and share the show. Email show ideas or apply to be a guest at:  [email protected]. We love your feedback.YouTube: Coach  Clarence TVInstagram: www.instagram.com/clarencemfergusonInstagram: www.instagram.com/tharealcoachclarenceFacebook:https://www.facebook.com/groups/fitover40withcoachclarenceLinkedin:https://www.linkedin.com/in/clarencef/Pinterest: https://www.pinterest.com/CoachClarence/Twitter: https://twitter.com/fitnusbiznus Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Hey Team, Let me start by wishing Regina a very Happy Birthday and in honor of her Birthday we are releasing her episode of Coaches Corner. Regina Huber, is a transformational leadership coach, inspirational speaker, and best-selling author. Regina shares her eclectic journey, having lived and traveled across five continents. She discusses her work at Transform Your Performance, where she helps clients enhance their leadership skills, manage stress, and cultivate thriving teams. Regina emphasizes the importance of creating a fulfilling life, which is also the theme of her latest book, "Living My Freaking Amazing Life," available on Amazon in English and Portuguese. Please tune in for an inspiring conversation encouraging listeners to elevate their leadership and well-being.https://transformyourperformance.comSupport the showPlease subscribe give us a review and share the show. Email show ideas or apply to be a guest at:  [email protected]. We love your feedback.YouTube: Coach  Clarence TVInstagram: www.instagram.com/clarencemfergusonInstagram: www.instagram.com/tharealcoachclarenceFacebook:https://www.facebook.com/groups/fitover40withcoachclarenceLinkedin:https://www.linkedin.com/in/clarencef/Pinterest: https://www.pinterest.com/CoachClarence/Twitter: https://twitter.com/fitnusbiznus Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

The Truth About Weight Loss No One Tells You! Think losing 110 pounds is just about diet and exercise? Think again. In this episode of Fit Over 40, Coach Clarence sits down with Coach Steph, a woman who completely transformed her body—and her life—by mastering her mindset first.🔥 From feeling stuck to unstoppable—her wake-up call forced her to make a change. Now, she’s breaking down exactly how she did it and how YOU can too.We’re also revealing an upcoming program designed to help you take back control of your health, redefine yourself, and finally ditch the excuses.If you're tired of the same old weight loss advice and want REAL, no-BS strategies, this episode is for you. Listen now and get ready to transform!Support the showPlease subscribe give us a review and share the show. Email show ideas or apply to be a guest at:  [email protected]. We love your feedback.YouTube: Coach  Clarence TVInstagram: www.instagram.com/clarencemfergusonInstagram: www.instagram.com/tharealcoachclarenceFacebook:https://www.facebook.com/groups/fitover40withcoachclarenceLinkedin:https://www.linkedin.com/in/clarencef/Pinterest: https://www.pinterest.com/CoachClarence/Twitter: https://twitter.com/fitnusbiznus Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

In this episode of Coaches Corner, the host discusses the critical topic of brain fitness with guest Arnold Beekes. Arnold, originally from the Netherlands and now residing in Romania, emphasizes the importance of maintaining cognitive health, especially as we age. He points out that just as physical fitness is essential for our bodies, brain fitness should equally be a priority, starting as early as our 30s. The conversation delves into the gradual decline of body and brain functionality and the necessity of incorporating brain training into our daily routines. Listeners are encouraged to recognize the value of exercising not just their bodies, but also their minds to enhance overall well-being as they grow older.Find out more herehttps://braingym.fitness/affiliate-area/Support the showPlease subscribe give us a review and share the show. Email show ideas or apply to be a guest at:  [email protected]. We love your feedback.YouTube: Coach  Clarence TVInstagram: www.instagram.com/clarencemfergusonInstagram: www.instagram.com/tharealcoachclarenceFacebook:https://www.facebook.com/groups/fitover40withcoachclarenceLinkedin:https://www.linkedin.com/in/clarencef/Pinterest: https://www.pinterest.com/CoachClarence/Twitter: https://twitter.com/fitnusbiznus Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

In this episode, we dive into self-employed individuals' challenges when applying for home loans. Despite generating substantial revenue, 99% of self-employed people often find themselves declined for mortgages due to the way lenders assess income. The host explains how tax benefits, such as writing off expenses and deducting business costs, can lead to a lower taxable income, which is what banks use to qualify applicants. This discrepancy can be frustrating for business owners who may appear less financially stable on paper than they truly are. Tune in to learn a simple hack to navigate this issue and ensure you qualify for the home loan you deserve, without sacrificing your hard-earned tax benefits. Don't forget to subscribe for more insights and tips tailored for self-employed professionals!Support the showPlease subscribe give us a review and share the show. Email show ideas or apply to be a guest at:  [email protected]. We love your feedback.YouTube: Coach  Clarence TVInstagram: www.instagram.com/clarencemfergusonInstagram: www.instagram.com/tharealcoachclarenceFacebook:https://www.facebook.com/groups/fitover40withcoachclarenceLinkedin:https://www.linkedin.com/in/clarencef/Pinterest: https://www.pinterest.com/CoachClarence/Twitter: https://twitter.com/fitnusbiznus Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

🏡 How to Get Approved for a Mortgage – Step-by-Step Guide 💰Feeling overwhelmed by the mortgage approval process? You’re not alone! In this episode of Coach's Corner, we break down how to get approved for a home loan with simple, actionable steps.✅ What You’ll Learn:Credit Score Essentials – What lenders look for and how to improve yours.Debt-to-Income Ratio (DTI) – Why it matters and how to optimize it.Common Mistakes to Avoid – Don’t let simple errors cost you your dream home!Mortgage Approval Tips – Strategies to increase your chances of securing the best loan rates.Whether you're a first-time homebuyer or looking to refinance, this episode will give you the confidence to navigate the home loan process like a pro.🎧 Tune in now and take the first step toward homeownership success! Don’t forget to subscribe, share, and drop your biggest mortgage question in the comments!Support the showPlease subscribe give us a review and share the show. Email show ideas or apply to be a guest at:  [email protected]. We love your feedback.YouTube: Coach  Clarence TVInstagram: www.instagram.com/clarencemfergusonInstagram: www.instagram.com/tharealcoachclarenceFacebook:https://www.facebook.com/groups/fitover40withcoachclarenceLinkedin:https://www.linkedin.com/in/clarencef/Pinterest: https://www.pinterest.com/CoachClarence/Twitter: https://twitter.com/fitnusbiznus Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

In this episode of Coach's Corner, Coach Clarence welcomes Dr. Elizabeth Pritchard, an esteemed keynote speaker, researcher, and leadership coach from New Zealand, now based in Australia. Dr. Pritchard shares her inspiring journey from growing up on a dairy farm in Aotearoa to becoming a leading figure in cultivating authentic leadership among women executives. With a background in occupational therapy, she discovered a passion for academic study, culminating in her PhD. Throughout the conversation, Dr. Pritchard discusses her work with the WALT Institute, which focuses on empowering women leaders. Tune in to learn valuable insights on leadership, communication, and the importance of authenticity in today's professional landscape.Connect with DR PritchardWebsite: https://www.waltinstitute.com/Elizabeth Pritchard LinkedIn:  www.linkedin.com/in/dr-elizabeth-pritchardElizabeth Pritchard Facebook: https://www.facebook.com/DrElizabethPElizabeth Pritchard Twitter: https://twitter.com/DrEKPritchardYouTube link: https://www.youtube.com/@waltinstitute3767 Support the showPlease subscribe give us a review and share the show. Email show ideas or apply to be a guest at:  [email protected]. We love your feedback.YouTube: Coach  Clarence TVInstagram: www.instagram.com/clarencemfergusonInstagram: www.instagram.com/tharealcoachclarenceFacebook:https://www.facebook.com/groups/fitover40withcoachclarenceLinkedin:https://www.linkedin.com/in/clarencef/Pinterest: https://www.pinterest.com/CoachClarence/Twitter: https://twitter.com/fitnusbiznus Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

In this episode of Coach's Corner, we dive into escrow, a crucial aspect of home buying that often raises questions among buyers. Our host simplifies the complexities of escrow, discussing what it is, why amounts are withheld for insurance, and its pros and cons. Whether you're a first-time homebuyer or a seasoned homeowner, understanding escrow is essential for managing your finances effectively. Join us as we break down the fundamentals and provide tips on managing your escrow account successfully. Don't forget to like and share this episode, and reach out to us with any questions or topics you'd like to hear about!Support the showPlease subscribe give us a review and share the show. Email show ideas or apply to be a guest at:  [email protected]. We love your feedback.YouTube: Coach  Clarence TVInstagram: www.instagram.com/clarencemfergusonInstagram: www.instagram.com/tharealcoachclarenceFacebook:https://www.facebook.com/groups/fitover40withcoachclarenceLinkedin:https://www.linkedin.com/in/clarencef/Pinterest: https://www.pinterest.com/CoachClarence/Twitter: https://twitter.com/fitnusbiznus Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

In this episode of Coach's Corner, the host dives into an inspiring conversation with Zach Oehlman, a seasoned entrepreneur known for buying and scaling businesses. Zach shares his unique journey from growing up on a farm in Northwest Indiana to discovering his passion for finance after a life-altering event. He reflects on his challenges, including working for free and navigating the tumultuous financial landscape of 2008. Despite achieving significant professional success, Zach reveals the moment he chose to leave a prestigious job to pursue a more fulfilling path. Please tune in to learn about his insights on business growth and the importance of aligning with forward-thinking individuals as we move into 2025.Support the showPlease subscribe give us a review and share the show. Email show ideas or apply to be a guest at:  [email protected]. We love your feedback.YouTube: Coach  Clarence TVInstagram: www.instagram.com/clarencemfergusonInstagram: www.instagram.com/tharealcoachclarenceFacebook:https://www.facebook.com/groups/fitover40withcoachclarenceLinkedin:https://www.linkedin.com/in/clarencef/Pinterest: https://www.pinterest.com/CoachClarence/Twitter: https://twitter.com/fitnusbiznus Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

In this episode of Coach's Corner, host Clarence welcomes Allan Misner, a full-time coach and the voice behind the 40 Plus Fitness Podcast. Allan shares his transformative journey from a corporate executive to a health and wellness expert, emphasizing the struggles he faced with obesity and unhappiness in his corporate life. He discusses the importance of energy management and stress reduction for those over 40, drawing from his extensive experience and interviews with health experts. Listeners can expect valuable insights on improving wellness and navigating life's challenges as they age. Join us for an inspiring conversation that encourages taking charge of your health and well-being!Support the showPlease subscribe give us a review and share the show. Email show ideas or apply to be a guest at:  [email protected]. We love your feedback.YouTube: Coach  Clarence TVInstagram: www.instagram.com/clarencemfergusonInstagram: www.instagram.com/tharealcoachclarenceFacebook:https://www.facebook.com/groups/fitover40withcoachclarenceLinkedin:https://www.linkedin.com/in/clarencef/Pinterest: https://www.pinterest.com/CoachClarence/Twitter: https://twitter.com/fitnusbiznus Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

In this episode of Coach's Corner, Coach Clarence dives into an inspiring conversation with Jeff Patterson, a martial arts expert with over 36 years of experience. Jeff shares his journey of founding his academy in Portland 30 years ago, where he has welcomed over 26,000 students into the martial arts community. He reflects on his deep connections with long-term students, many of whom have trained with him for decades. Jeff also discusses his early passion for Western boxing and the unique coaching environment he experienced at his local boxing gym. Tune in to learn how Jeff has blended martial and meditative arts into his coaching program, creating a second family for his students.Find out more here:https://www.theyieldingwarrior.com/Support the showPlease subscribe give us a review and share the show. Email show ideas or apply to be a guest at:  [email protected]. We love your feedback.YouTube: Coach  Clarence TVInstagram: www.instagram.com/clarencemfergusonInstagram: www.instagram.com/tharealcoachclarenceFacebook:https://www.facebook.com/groups/fitover40withcoachclarenceLinkedin:https://www.linkedin.com/in/clarencef/Pinterest: https://www.pinterest.com/CoachClarence/Twitter: https://twitter.com/fitnusbiznus Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

In this episode of Coach's Corner, the host dives into an enlightening conversation with Sharon Sievert, author of "The Superpower of Balanced Leadership in Unbalanced Times" and CEO of Core Coaching and Consulting. Sharon shares her journey from her roots in the Boston area to growing up in the Midwest, highlighting her diverse background and global perspective as a consultant. The discussion centers around the importance of balanced leadership, especially in challenging times, and introduces her groundbreaking book, part of a five-book series focused on empowering leaders to navigate good and bad situations fearlessly. Tune in for insights on leadership and personal development from a seasoned expert.Find out more herehttps://corecoachingconsulting.com/Support the showPlease subscribe give us a review and share the show. Email show ideas or apply to be a guest at:  [email protected]. We love your feedback.YouTube: Coach  Clarence TVInstagram: www.instagram.com/clarencemfergusonInstagram: www.instagram.com/tharealcoachclarenceFacebook:https://www.facebook.com/groups/fitover40withcoachclarenceLinkedin:https://www.linkedin.com/in/clarencef/Pinterest: https://www.pinterest.com/CoachClarence/Twitter: https://twitter.com/fitnusbiznus Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

In this episode of Coach's Corner, Coach Clarence dives into an enlightening conversation with Sharon Sievert, author of "The Superpower of Balanced Leadership in Unbalanced Times" and CEO of Core Coaching and Consulting. Sharon shares her journey from her roots in the Boston area to growing up in the Midwest, highlighting her diverse background and global perspective as a consultant. The discussion centers around the importance of balanced leadership, especially in challenging times, and introduces her groundbreaking book, which is part of a five-book series focused on empowering leaders to navigate both good and bad situations fearlessly. Tune in for insights on leadership and personal development from a seasoned expert.Support the showPlease subscribe give us a review and share the show. Email show ideas or apply to be a guest at:  [email protected]. We love your feedback.YouTube: Coach  Clarence TVInstagram: www.instagram.com/clarencemfergusonInstagram: www.instagram.com/tharealcoachclarenceFacebook:https://www.facebook.com/groups/fitover40withcoachclarenceLinkedin:https://www.linkedin.com/in/clarencef/Pinterest: https://www.pinterest.com/CoachClarence/Twitter: https://twitter.com/fitnusbiznus Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

In this episode of Fit Over 40, host Coach Clarence sits down with Adam Zuckerman, the founder of Buried in Work, to discuss the intricacies of estate planning and the importance of organization during end-of-life tasks. Adam shares his personal journey, highlighting how the sudden loss of his father to leukemia motivated him to leverage his legal and financial expertise to assist others in navigating similar situations. He recounts the positive feedback he received from his mother’s financial planner and the encouragement from friends to create a website to share his insights. Tune in to learn about the valuable resources Adam offers and gain tips on simplifying estate transitions for your loved ones.Support the showPlease subscribe give us a review and share the show. Email show ideas or apply to be a guest at:  [email protected]. We love your feedback.YouTube: Coach  Clarence TVInstagram: www.instagram.com/clarencemfergusonInstagram: www.instagram.com/tharealcoachclarenceFacebook:https://www.facebook.com/groups/fitover40withcoachclarenceLinkedin:https://www.linkedin.com/in/clarencef/Pinterest: https://www.pinterest.com/CoachClarence/Twitter: https://twitter.com/fitnusbiznus Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

In this episode of Fit Over 40, host Coach Clarence dives into the theme of taking action versus succumbing to anxiety, particularly in light of recent events that have stirred up emotions and uncertainty among the public. He shares personal experiences from a challenging year, emphasizing that even coaches face difficulties. Clarence outlines practical strategies to combat anxiety and encourages listeners to focus on actionable steps to navigate stress, especially as the holiday season approaches. Tune in for insightful solutions and motivation to help you manage tough times effectively.Support the showPlease subscribe give us a review and share the show. Email show ideas or apply to be a guest at:  [email protected]. We love your feedback.YouTube: Coach  Clarence TVInstagram: www.instagram.com/clarencemfergusonInstagram: www.instagram.com/tharealcoachclarenceFacebook:https://www.facebook.com/groups/fitover40withcoachclarenceLinkedin:https://www.linkedin.com/in/clarencef/Pinterest: https://www.pinterest.com/CoachClarence/Twitter: https://twitter.com/fitnusbiznus Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

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!Support the showPlease subscribe give us a review and share the show. Email show ideas or apply to be a guest at:  [email protected]. We love your feedback.YouTube: Coach  Clarence TVInstagram: www.instagram.com/clarencemfergusonInstagram: www.instagram.com/tharealcoachclarenceFacebook:https://www.facebook.com/groups/fitover40withcoachclarenceLinkedin:https://www.linkedin.com/in/clarencef/Pinterest: https://www.pinterest.com/CoachClarence/Twitter: https://twitter.com/fitnusbiznus Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

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!Support the showPlease subscribe give us a review and share the show. Email show ideas or apply to be a guest at:  [email protected]. We love your feedback.YouTube: Coach  Clarence TVInstagram: www.instagram.com/clarencemfergusonInstagram: www.instagram.com/tharealcoachclarenceFacebook:https://www.facebook.com/groups/fitover40withcoachclarenceLinkedin:https://www.linkedin.com/in/clarencef/Pinterest: https://www.pinterest.com/CoachClarence/Twitter: https://twitter.com/fitnusbiznus Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.